Unified Banking Experiences

Modern Digital Banking Your Customers Want

Launch instant payments and personalized experiences without replacing your core.

Screens showing a banking app with account balance $4,580.20 and recent transactions.

Why Banks Choose Core-Independent Digital

Modern experiences on top of your existing core.

Deploy instant payments (FedNow, RTP), virtual accounts, and mobile-first interfaces without touching your core banking system.

Go live in weeks with modular deployment—at your pace, zero core disruption. Keep your system of record while delivering neobank experiences.

Instant Payments Out of the Box

FedNow and RTP with smart routing. Seconds, not days. 24/7/365 availability.

Deploy New Products in Days

Launch deposit products and virtual accounts without core system updates. No vendor roadmap delays.

Seamless Core Integration

API-driven architecture works with any core. No data migration. Zero operational disruption.

Mobile-First Customer Experience

Compete with neobanks while maintaining your brand and control. White-label everything.

Modern Digital Banking Experiences

Instant P2P Payments

FedNow and RTP for consumer transfers. Send money in seconds with real-time delivery notifications.

Request Money

Digital payment requests with instant settlement. Perfect for splitting bills, collecting rent, getting paid.

Early Direct Deposit

Real-time paycheck access up to 2 days early. Competitive advantage over neobanks offering the same feature.

Bill Pay with RTP

Instant bill payments to participating billers. Real-time confirmation, automated recurring payments.

Virtual Account Products

Launch customized deposit products in days. Savings goals, spending accounts—all without core updates.

Mobile-First UX

Intuitive interfaces designed for mobile. Transaction alerts, spending insights, biometric authentication.

Modern experience, existing core

Deploy Digital Galaxy

Launch modern interfaces as overlay on existing core. Core handles records, Digital Galaxy handles experience.

Enable Instant Rails

Connect FedNow and RTP through Payment Galaxy. Customers get instant payments without core changes.

Customize & Launch

White-label with your brand. Set limits, enable features by segment. Go live in weeks with phased rollout.

Frequent Use Cases

A person holding a smartphone with a screen displaying “PAYMENT SUCCESSFUL” in front of a vending machine, indicating a completed cashless transaction.

Gen Z & Millennial Banking

Instant P2P transfers, early direct deposit, spending insights. Compete with Cash App and Venmo without leaving your core.

A person touches a glowing digital banking icon above stacked coins, with various financial symbols and bank icons connected in a network, representing digital banking and financial technology.

Small Business Banking

Instant bill pay, request money from customers, virtual accounts for cash flow management. Modern tools for business owners.

A hand types on a laptop keyboard, with a digital, glowing globe and network connections superimposed, symbolizing global connectivity and technology.

Premium Banking

White-glove digital experience for wealth clients. Instant international transfers, concierge bill pay, personalized insights.

Let's Connect

Fill out the form below and we’ll reach out to schedule a demo.

Launch Instant Payments This Quarter

Stop treating FedNow and RTP as separate projects. Deploy both rails in 8 weeks.

Schedule a Demo