Mantl

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.

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

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

• Account origination software
• Deposit account opening
• Loan origination platform
• KYC AML compliance automation
• Core banking integration

Headquarters

HQ city

New York

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, Operations, Infrastructure

Revenue model

1. 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

Go-to-market motion1 record

Distribution channels3 records

Marketing channels8 records

Core 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

Named customers26 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration33 records

AI capability4 records

Feature8 records

Partnerships

Seven partnerships are on record, tiered minor, core and flagship.

• Aloha Pacific Federal Credit UnionminorStrategic or Co-development Partner · 4 April 2026MANTL 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 BankminorStrategic or Co-development Partner · 25 February 2026Grasshopper 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.
• MeridianLinkcoreTechnology or Integration · 24 February 2026MANTL 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.
• AlloycoreTechnology or Integration · 18 December 2025The 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 TechnologyflagshipStrategic or Co-development Partner · 27 February 2025Alkami 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.
• PinwheelcoreTechnology or Integration · 20 November 2024MANTL 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 PartnerscoreTechnology or IntegrationMANTL 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

Direct 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

• Xx.com/Mantl_tech
• Facebookfacebook.com/mantltech
• LinkedInlinkedin.com/company/mantl

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds10 records

Investors17 records

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 Mantl