Mantl
MANTL is a fintech company providing an omnichannel account origination SaaS platform to U.S. community banks and credit unions, automating consumer and business deposit and loan account opening with integrated KYC/AML compliance, and now operates as a subsidiary of Alkami Technology following its March 2025 acquisition.
- Company typePrivate
- Founded2016
- HeadquartersNew York, United States
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What Mantl does
MANTL (legal entity Fin Technologies, Inc.) is a cloud-based financial technology company founded in 2016 in New Jersey by Nathaniel Harley (CEO) and Benjamin Conant (CTO), and acquired by Alkami Technology in March 2025 for approximately $375 million ($400M enterprise value). The company provides an omnichannel account origination platform that enables U.S. community and regional banks and credit unions to open consumer deposit accounts in under 3-5 minutes online and business deposit accounts in under 10 minutes, with 85%+ of application decisions automated across KYC, AML, KYB, and BSA compliance workflows. The platform spans consumer deposit origination, business deposit origination, loan origination (auto, personal, credit cards, SBA, real estate), and the MANTL Growth Engine data and marketing add-on, all unified on a multi-tenant, core-agnostic architecture with real-time two-way syncing to 54+ banking and fintech integrations including Jack Henry, Fiserv, FIS, Finastra, Alloy, Pinwheel, MeridianLink, and Method Financial. MANTL sells via direct enterprise field sales to financial institutions ranging from $80M to over $20B in assets, with annual SaaS subscription pricing. As of early 2026 the company is approaching $60M in ARR, served 112 financial institution clients at acquisition, and its customers have collectively raised over $31 billion in deposits and opened more than 1 million accounts on the platform. Following the Alkami acquisition, MANTL operates as an Alkami solution team embedded in the Digital Sales & Service Platform, extending its reach across 301 combined financial institutions.
Mantl firmographics
Firmographics- Name
- Mantl
- Legal name
- Fin Technologies, Inc.
- Website
- https://mantl.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Acquired
- Headcount range
- 101–250 employees
- Short description
- MANTL is a fintech company providing an omnichannel account origination SaaS platform to U.S. community banks and credit unions, automating consumer and business deposit and loan account opening with integrated KYC/AML compliance, and now operates as a subsidiary of Alkami Technology following its March 2025 acquisition.
- Ownership category
- akta.pro rank
Mantl industry classification
Industry- Product category
- Account Origination Software
- NAICS
- Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Onboarding, KYC & Account Verification Support (BPAAABAG)
Keywords
Where Mantl is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Mantl business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- SaaS Subscription - Account Origination Platform: MANTL operates as a cloud-based SaaS platform providing account origination technology to financial institutions. Revenue is generated through SaaS subscription fees from banks and credit unions. At time of acquisition, MANTL had 112 financial institution clients and was approaching $60 million in ARR. The platform automates over 85% of application decisions, enabling cost-effective deposit growth.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise SaaS subscription for financial institutions |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels8 records
Mantl product offering
Product offeringCore offering
MANTL provides a cloud-based, multi-tenant, core-agnostic account origination platform for banks and credit unions. Its platform supports omnichannel consumer deposit origination (under 3-5 minutes online), business deposit origination (under 10 minutes online), and consumer/small business loan origination, while automating KYC, KYB, AML, and BSA compliance decisions with 85%+ automation rates.
Product overview
MANTL is a financial technology firm offering a unified account origination platform for banks and credit unions. The core portfolio consists of three main products: Consumer Deposit Origination, Business Deposit Origination, and Loan Origination — all built on a single, multi-tenant, core-agnostic omnichannel platform. MANTL automates KYC, KYB, AML, and BSA compliance decisions with 85–90%+ automation rates and enables deposit accounts to open in under 3–5 minutes online. MANTL Growth Engine is an add-on data and marketing tool that pairs proprietary customer data with marketing expertise to drive deposit growth. In April 2026, Alkami (MANTL's parent company) launched the Digital Sales & Service Platform, which unifies MANTL's account opening technology with Alkami's digital banking and data/marketing solutions into a single end-to-end platform. MANTL is headquartered in New Jersey and was acquired by Alkami Technology in March 2025 for approximately $375 million.
Differentiator
Problem solved
Functional benefit
Brands
- Consumer Deposit Origination: Omnichannel deposit account opening solution for retail customers enabling account opening in under 3 minutes online
- Business Deposit Origination
- Loan Origination
- MANTL Growth Engine
- Rising Bank
Products and services
- Consumer Deposit Origination
Quantifiable outcome
- 300% increase in new retail member accounts opened online (Dupaco)
- +16 more outcomes
Companies that use Mantl
Customer profileNamed customers26 records
Segments4 records
Ideal customer profiles4 records
Mantl technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration33 records
AI capability4 records
Feature8 records
Mantl partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered minor, core and flagship.
- Aloha Pacific Federal Credit UnionminorMANTL announced a partnership with Aloha Pacific Federal Credit Union as part of a broader strategy to expand its platform and growth through digital onboarding and banking solutions, with focus on serving regional banks and credit unions. This is one of several credit union partnerships announced around the same time.
- Grasshopper BankminorGrasshopper Bank partnered with MANTL on loan origination, specifically for business and SBA loans. Grasshopper concluded a landmark 2025 with 83% asset growth, AI-driven banking innovations, and announced a merger with Enova International.
- MeridianLinkcoreMANTL partnered with MeridianLink, a leading lending software platform provider, to offer an integrated point-of-sale (POS) solution. The API-driven integration connects MANTL's digital front end with MeridianLink's loan origination system, enabling instant approvals, automated KYC checks, and seamless application transfers for banks and credit unions. The partnership aims to expand MANTL's digital lending capabilities by leveraging MeridianLink's existing customer base and underwriting engine.
- AlloycoreThe MANTL-Alloy partnership has processed over 2 million deposit applications supporting more than 150 shared customers. The integration provides automated KYC identity verification and fraud management with an average decision rate exceeding 80%. Clients like Ascend Bank decreased fraud losses by $165,000 per year through the partnership.
- Alkami TechnologyflagshipAlkami Technology acquired MANTL in March 2025 for approximately $375 million (enterprise value $400 million). MANTL operates as an Alkami solution team, with its capabilities integrated into Alkami's Digital Sales & Service Platform. The combination creates the industry-leading digital sales and services platform for financial institutions.
- PinwheelcoreMANTL named Pinwheel its preferred partner for direct deposit switching, integrating Pinwheel's PreMatch technology into MANTL's account opening flow. Pinwheel's credential-less solution eliminates the need for consumers to manually enter payroll credentials. Customers using PreMatch have seen conversion rates improve by as much as 200%. The partnership helps MANTL's bank and credit union partners capture deposits more efficiently from day one.
- 54+ Technology Integration PartnerscoreMANTL integrates with 54+ technology providers across categories: AML (Abrigo BAM+, Verafin), KYC (Alloy, Effectiv, Vouched), Core Banking (Jack Henry, Fiserv, FIS, Finastra, Corelation, CSI, Q2, Fiserv DNA), DMS (Jack Henry Synergy, Hyland OnBase, identifi), Card Provisioning (Card@Once, Entrust), Checks (Deluxe, Vericast), Chatbot (Glia, AgentIQ, Ignite), Funding (Fiserv PayPoint, Plaid), OMB (Alkami, Banno, Lumin Digital, Q2), Marketing Automation (SendGrid), SSO (Azure, Okta), Business Intelligence (Looker), and Loan Origination (Method FI, Taktile).
Scale indicators12 records
Recent moves6 records
Expansion highlights5 records
Mantl competitors and assessment
Company assessmentDirect peers
- Alkami Technology: Digital banking and data platform serving 301 U.S. financial institutions. Acquired MANTL in March 2025 and now operates MANTL as a solution team within its Digital Sales & Service Platform — directly comparable in product, customer base, and GTM motion.
- nCino: Cloud-based bank operating system providing account opening, loan origination, and onboarding for financial institutions. Highly comparable to MANTL's deposit and loan origination products and target customer segment of community and regional banks.
- Lumin Digital: Cloud-native digital banking platform focused primarily on credit unions. Directly comparable to the Alkami/MANTL platform in target customer segment and core digital banking + account opening functionality.
- MeridianLink: Loan origination and digital lending platform provider for financial institutions. Direct technology partner of MANTL via the integrated POS solution, addressing the same lending workflow use cases at community banks and credit unions.
- Q2 Holdings: Provider of digital banking and lending solutions to community banks and credit unions. Directly comparable in serving the same mid-market FI customer base with digital account opening and onboarding technology.
Broad incumbents
- Finastra: Large core banking and lending software provider with integrated digital channel solutions. Comparable in serving community and mid-sized banks with origination and onboarding technology, though broader in product portfolio.
- Temenos: Global core banking and digital banking software provider with account onboarding functionality. Larger incumbent competing for similar mid-market and community bank digital transformation mandates.
- Fiserv: Major financial services technology provider offering core banking, digital banking, and merchant solutions. While much broader in scope, Fiserv's digital account opening capabilities overlap with MANTL's deposit origination product.
- Jack Henry & Associates (Banno): Large incumbent core banking provider whose Banno digital banking platform overlaps with MANTL's account origination functionality. Often competes against MANTL in incumbent replacement deals at community banks and credit unions.
- FIS (Fidelity National Information Services): Global financial technology provider of core banking, digital, and processing solutions. Broad incumbent with overlapping digital account opening capabilities relevant to MANTL's target market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Mantl social profiles
Digital presenceMantl compliance and trust
Trust signalCompliance3 records
Mantl financial estimates
Financial estimateRevenue estimate
Valuation estimate
Mantl leadership team
Management profileNumber of profiles
Profiles5 records
Mantl funding detail
Funding detailFunding overview
Funding rounds10 records
Investors17 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Mantl M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Mantl
What does Mantl do?
MANTL provides a cloud-based, multi-tenant, core-agnostic account origination platform for banks and credit unions. Its platform supports omnichannel consumer deposit origination (under 3-5 minutes online), business deposit origination (under 10 minutes online), and consumer/small business loan origination, while automating KYC, KYB, AML, and BSA compliance decisions with 85%+ automation rates.
Is Mantl a public or private company?
Mantl is a private company. It is classified as corporate owned and is currently acquired.
When was Mantl founded?
Mantl was founded in 2016. It employs 101 to 250 people.
Where is Mantl based?
Mantl is headquartered in New York, United States, in the North America region.
How does Mantl make money?
One revenue line is on record: saaS Subscription - Account Origination Platform.
Who are Mantl's main competitors?
Direct peers on record are Alkami Technology, nCino, Lumin Digital, MeridianLink and Q2 Holdings. Broad incumbents are Finastra, Temenos, Fiserv, Jack Henry & Associates (Banno) and FIS (Fidelity National Information Services).
Does Mantl have an API?
No public API is recorded for Mantl.
What industry is Mantl in?
Mantl's product category is Account Origination Software. Its primary akta.pro industry code is BPAAABAG, Onboarding, KYC & Account Verification Support. Its NAICS code is 5182 and its SIC code is 6199.