What Finzly does

Finzly is a Charlotte, North Carolina-based fintech founded in 2012 that provides BankOS, a cloud-native, API-first banking platform targeting community banks, regional banks, credit unions, and fintechs. The platform enables financial institutions to modernize payment infrastructure, FX and trade finance, virtual accounts, digital banking experiences, and emerging tokenized asset capabilities without replacing their existing core banking systems. BankOS is built on an ISO 20022 native architecture and consists of six composable Galaxy modules — Payment Galaxy, Account Galaxy, Digital Galaxy, Trade Galaxy, Token Galaxy, and Agentic Galaxy — that can be deployed independently or combined. The Payment Galaxy orchestrates ACH, RTP, FedNow, Fedwire, SWIFT, and tokenized rails from a single engine, while Trade Galaxy (FX STAR, SWAP STAR, EXIM STAR) provides institutional-grade FX, interest rate derivatives, and trade finance capabilities connecting to major liquidity providers.

The company's go-to-market is enterprise field sales targeting bank executives, CTOs, and payment operations leaders through consultative selling, supplemented by channel partners including AWS (Marketplace and infrastructure) and core banking providers (FIS, Fiserv, Jack Henry, Temenos). Finzly generates revenue through enterprise SaaS subscriptions, transaction-based processing fees across payment rails, and FX/trade services revenue from spreads and fees. Pricing is quote-based, tiered by bank size, modules deployed, and transaction volumes, with separate implementation and professional services fees. Notable customers include Metropolitan Commercial Bank, Synovus, Fulton Bank, First Citizens Bank, EverBank, Live Oak Bank, and Wings Credit Union, among others. The company reports $1 trillion+ in cumulative payments processed, ~99% straight-through processing rates, and 60% cost reduction for bank customers using the platform.

Finzly closed a $10 million Series A funding round led by TZP Growth Equity in October 2023 — its only disclosed institutional funding to date. The company has earned 20+ industry awards including IBS Intelligence and Global BankTech Awards for payments innovation. Recent strategic emphasis has been on AI-native operations (Agentic Galaxy, launched October 2025) and tokenized banking infrastructure (Token Galaxy, launched March 2026), positioning the platform for the emerging stablecoin and digital asset economy following GENIUS Act regulatory clarity. The company maintains SOC 1, SOC 2 Type 2, and ISO 27001-aligned security certifications and operates with 101-250 employees.

Name

Finzly

Legal name

Finzly, Inc.

Website

https://finzly.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

101–250 employees

Short description

Finzly provides BankOS, a cloud-native API-first banking platform that enables community and regional banks, credit unions, and fintechs to modernize payments, FX, treasury, and digital banking without replacing core systems through six composable Galaxy modules.

Ownership category

akta.pro rank

Product category

Banking Infrastructure Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Functions Related To Depository Banking, Nec (6099), Finance Services (6199)

akta.pro primary industry

Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK)

akta.pro secondary industries

Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), Tokenization, Network Vaults & Credential Management (FSAGABAF), Stored Value Ledger / Wallet Infrastructure (Non-Bank) (FSAMANAM)

Keywords

• Payment orchestration
• Banking-as-a-service
• Trade finance automation
• Foreign exchange platform
• Core banking modernization

Headquarters

HQ city

Charlotte

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Operations

Revenue model

1. Platform/SaaS Subscription: Banks pay subscription fees to access the BankOS platform and its Galaxy modules. Pricing is likely tiered based on bank size, number of modules deployed, and transaction volumes. Implementation and professional services fees also apply for initial deployment.
2. Transaction-based Processing: Revenue generated from payment processing volumes across ACH, wires, FedNow, RTP, and SWIFT rails. Banks pay per-transaction fees based on payment type and volume.
3. FX and Trade Services: Revenue from FX trading spreads, foreign exchange transactions, interest rate swaps, and trade finance services through the Trade Galaxy platform.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels7 records

Core offering

Finzly sells BankOS, a unified, cloud-native, API-first banking platform that enables financial institutions to modernize payments, accounts, treasury, and digital banking without replacing their core banking systems. The platform is delivered through composable "Galaxy" modules—Payment Galaxy, Account Galaxy, Digital Galaxy, Trade Galaxy (FX STAR, SWAP STAR, EXIM STAR), Token Galaxy, and Agentic Galaxy—that orchestrate ACH, Fedwire, RTP, FedNow, SWIFT, and tokenized rails from a single engine with ISO 20022 native architecture and AI-embedded operations.

Product overview

Finzly offers a platform-plus-modules architecture built on BankOS, its unified banking platform. The core platform enables banks to modernize payment infrastructure without replacing their core banking system through a composable, API-first approach. The product portfolio consists of six interconnected Galaxies: Payment Galaxy (unified payment orchestration across all rails), Account Galaxy (virtual accounts and ledger management), Digital Galaxy (digital banking experiences and APIs), Trade Galaxy (FX, derivatives, and trade finance via FX STAR, SWAP STAR, and EXIM STAR), Token Galaxy (stablecoins and tokenized deposits), and Agentic Galaxy (AI-powered automation). All Galaxies share the same underlying BankOS infrastructure with unified controls, allowing banks to deploy one or combine them to build their custom banking operating system.

Differentiator

Problem solved

Functional benefit

Brands

• BankOS: Finzly's unified banking platform and innovation core that enables banks to deploy payments, accounts, treasury, and digital banking independently without replacing their core banking system.
• Payment Galaxy
• Account Galaxy
• Digital Galaxy
• Trade Galaxy
• Token Galaxy
• Agentic Galaxy

Products and services

• BankOS A unified, cloud-native, API-first banking platform that serves as the innovation core enabling banks to modernize payments, accounts, treasury, and digital banking through composable Galaxy modules without replacing their existing core banking system.
• Payment Galaxy A unified payment hub for orchestrating all payment activity from a single platform, processing ACH, RTP, FedNow, Fedwire, SWIFT, book transfers, and tokenized rails through one operational surface and integration layer with ISO 20022 native messaging.
• Account Galaxy A modern virtual account and ledger platform that provides virtual account management, multi-currency ledgers, and automated reconciliation on a digital ledger for corporate treasury clients, fintech programs, law firms, real estate companies, and benefit administrators.
• Digital Galaxy A unified digital banking platform delivering white-label banking portals for corporate and retail clients, API suites for ERP and platform integration, pay-by-bank checkout, agent-initiated payment experiences, and embeddable components for fintech partners.
• Trade Galaxy One platform for global money movement, trading, and risk management that delivers FX trading (FX STAR / FX STAR+), interest rate derivatives (SWAP STAR), and trade finance automation (EXIM STAR) to banks through a single BankOS integration with live pricing, multi-currency accounts, and white-label corporate portals.
• Token Galaxy A suite within BankOS that enables banks to manage both traditional and tokenized assets, including stablecoins and tokenized deposits, within a single operational environment, connecting to multiple blockchains (Ethereum, Solana, Polygon, Base, BSC), issuers, and consortia simultaneously with MPC wallet security.
• Agentic Galaxy An AI-powered platform that embeds AI directly into banking operations with governance built in, offering deployable AI agents to automate payment processing, FX, virtual account operations, compliance screening (OFAC), anomaly detection, SLA breach prediction, and natural-language queries with human-in-the-loop oversight.

Quantifiable outcome

• 60% cost reduction in payment processing operations
• +3 more outcomes

Named customers12 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

AI capability7 records

Feature8 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Amazon Web Services (AWS)coreTechnology or Integration · 24 April 2025AWS and Finzly collaborated on a benchmarking initiative validating Payment Galaxy's scalability to handle volumes comparable to the largest U.S. banks. Finzly's platform is built on AWS infrastructure and available through AWS Marketplace.
• United Community BankminorStrategic or Co-development PartnerPartnership to expand FX digital banking services for United Community Bank customers using Finzly's Trade Galaxy platform.
• Core Banking Providers (FIS, Fiserv, Jack Henry, Temenos)coreTechnology or IntegrationFinzly integrates with all major core banking platforms enabling banks to deploy BankOS alongside existing cores without replacement.
• FX Liquidity Providers (Bloomberg FX, Refinitiv LSEG, 360T, Stonex, Wells Fargo, PCBB)coreTechnology or IntegrationFX STAR platform connects to major liquidity providers through a single integration for live pricing, trade execution, and settlement.
• Faster Payments CouncilminorStrategic or Co-development PartnerFinzly participates in Faster Payments Council activities and hosted webinars with FPC on instant payment adoption.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Thought Machine: Thought Machine provides a cloud-native core banking platform (Vault) used by global banks. While more of a core replacement play, it competes with Finzly's composable BankOS for digital and payment modernization mandates at ambitious banks.
• Marqeta: Marqeta is a modern card-issuing and payment processing API platform serving fintechs and banks. It competes with parts of Finzly's Payment Galaxy for API-first, cloud-native payment workloads at digital-first financial institutions.
• Galileo Financial Technologies: Galileo (a SoFi company) provides API-first payment processing, card issuing, and digital banking infrastructure to fintechs and banks. It is a direct competitor to Finzly's Account Galaxy and Payment Galaxy in the embedded banking and BaaS space.
• Treasury Prime: Treasury Prime offers an embedded banking API platform that lets banks provide account, payment, and ledger infrastructure to fintechs. It directly competes with Finzly's Account Galaxy and embedded banking use cases for community and regional banks.

Emerging players

• Mbanq: Mbanq provides a cloud-native, API-first digital banking and lending platform for community banks, credit unions, and fintechs. It overlaps with Finzly's BankOS positioning in payment orchestration and digital banking for smaller US financial institutions.

Broad incumbents

• Bottomline Technologies: Bottomline provides corporate treasury, payments, and fraud solutions to banks and corporates, including pay-by-bank and ISO 20022 messaging. Its payment and FX capabilities overlap with Finzly's Payment Galaxy and Trade Galaxy at the bank-to-corporate interface.
• Jack Henry Banking (Jack Henry & Associates): Jack Henry is one of the largest US core banking and digital banking providers (Banno, jXchange, Payments Hub). It is both a Finzly integration partner and a competitor offering payment orchestration and digital banking suites to community and regional banks.
• FIS (Fidelity National Information Services): FIS provides core banking (Profile, IBS), payment processing (FIS Digital One, Output Solutions), and digital banking software to large banks and corporates. It integrates with Finzly's FX STAR but also competes with its own payment orchestration and treasury capabilities.
• Fiserv: Fiserv offers core banking (DNA, Precision), merchant acquiring (Clover), and digital banking (Mobiliti, Now from Fiserv). It integrates with Finzly's Trade Galaxy but also offers end-to-end payment and digital banking solutions to community and mid-market banks.
• Temenos: Temenos provides core and digital banking platforms globally with payment and treasury modules. As a Finzly integration partner, it overlaps with Finzly's BankOS in payments, accounts, and digital banking for mid-market and larger banks.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/finzlybanking
• LinkedInlinkedin.com/company/finzly
• Xx.com/finzly

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Finzly