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Modern Virtual Account Management to manage fintechs and enterprises

All you need to manage fintech partnerships and attract enterprises with 24/7 virtual ledgers for immediate and transparent record-keeping, accounting .and core-independent growth.

Fintechs and enterprises need more than traditional GLs—they need agility, compliance, and precision at scale. Finzly’s virtual ledger delivers real-time, event-driven accounting and robust reporting across virtual accounts, FBO structures, and enterprise hierarchies.

By partnering with Finzly to deliver FedNow and RTP instant payments solutions, we can provide our customers with more options beyond traditional payments methods, enabling them to move money at the speed they need, when they need it.

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Finzly’s technology has transformed our payments operations, simplifying processes, and enabling us to better serve our clients.

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Payment HubACH

MCB streamlines payments, FX, & fintech support for dual core

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Real-time, GAAP/IFRS-compliant accounting

Custom alerts and branded financial products

Embedded banking made easy

Enterprise-ready account structures

Built-in compliance and FDIC reporting

Reduce cost, boost scale

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Zero core downtime for 24/7 instant payments

Say goodbye to accounting and payment processing concerns during downtime. Our virtual ledger serves as a shadow core, guaranteeing seamless 24/7 instant payments on FedNow and RTP.

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Maximize revenue using virtual ledger-backed virtual accounts

Learn how financial institutions can maximize revenue with virtual ledgers powered virtual accounts, all without overhauling existing systems, in this expert report from VAM expert, Enrico Camerinelli, from Datos Insights.

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Proven foundation for fintech and BaaS success

Finzly’s virtual ledger supports secure FBO and virtual account structures—powering scalable fintech partnerships without compromising compliance.

Enterprise-grade control and visibility

Banks use Finzly to manage complex corporate clients, with flexible virtual ledgers enabling subsidiary-level reporting, project-based funds, and multi-currency structures.

Real-time ledger, zero core downtime

Finzly acts as a shadow core—delivering real-time posting, reconciliation, and payments around the clock, even when your core is offline.

Get the Finzly edge through our insights

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SWIFT’s ISO 20022 Deadline: The Real Rewiring of Global Banking

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What Banks and Credit Unions Need to Know About Upcoming Nacha Rule Changes

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Virtual Account Management (VAM): The Growth Engine for Regional Banks

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When Banks Merge, Payments Get Messy. Here’s How to Keep Them Moving.

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FedNow® at Two: “Astounding” Growth with Plenty of Room to Grow

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Stablecoins: Exploring the Future of Cross-Border Payments

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Fedwire’s ISO 20022 Migration: Why It Matters - and How Institutions are Gaining an Edge

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The New $10 Million Real-Time Payments Limit Changes Everything for Investment Banking

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FedNow® Provider Checklist: 10 Questions Every Financial Institution Must Ask

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Managing Risk and Fraud in Instant Payments on FedNow® & RTP®

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Everything you need to know

A virtual account is a unique account reference tied to a real, physical account. It enables businesses and fintechs to segment funds, manage customer-level balances, and simplify reconciliation—all without the overhead of opening multiple bank accounts. Virtual accounts offer real-time visibility, control, and flexibility in managing cash and payments across different use cases.
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Bank transformation, radically simple.

Every bank needs an edge. Finzly is yours.

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