Talino Fintech Foundry

What Talino Fintech Foundry does

Talino Fintech Foundry is an API-first fintech infrastructure platform that provides a dual-rail architecture bridging traditional banking rails (ISO 20022) with stablecoin-enabled networks. The company enables financial institutions, fintech startups, and enterprise platforms to build, embed, and scale regulated financial products—payments, wallets, lending, and payouts—without becoming a licensed bank themselves. Its platform stack consists of core products (Borderless Payments, Stablecoins, Open Banking APIs) and modules (RegTech, Bank Micro Ledger, Payment Hub, Global Gateway). Money-transmission and stablecoin operations are conducted through its affiliated regulated entity, Talino Digital Solutions Inc., which holds MSB registrations with FinCEN, in Florida (Reg. 31000301949595), and in Canada (Reg. FT230000544), and aligns with the GENIUS Act.

The company serves three primary customer segments: inclusive fintech and rural financial institutions modernizing legacy infrastructure, fintech startups that need modular compliance-ready rails (such as BayaniPay, Higala, and Bahai Deals, which Talino powers), and enterprises embedding financial capabilities into their platforms (including Seafood City and SM Development Corporation). Strategic integration partners include Bridge (a Stripe company) for stablecoin payment infrastructure and the Philippine Digital Asset Exchange (PDAX) for fiat-to-digital-asset liquidity and localized settlement.

Talino generates revenue through a combination of API and platform access fees (subscription/recurring), transaction-based fees on cross-border payment and stablecoin transfers, and enterprise licensing of its full-stack Platform Banking Services. Pricing is quote-based and not publicly disclosed; the go-to-market motion combines an API-first developer channel with enterprise field sales. The company is headquartered in Manila with an additional office in Los Angeles, employs 101–250 people, and has raised approximately $16M cumulatively across six funding events, including a $7.5M Series A led by Chemonics International in March 2026.

Name

Talino Fintech Foundry

Legal name

Talino Ventures PBC

Website

https://talinoventures.com

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

51–100 employees

Short description

Talino Fintech Foundry is an API-first fintech infrastructure platform offering a dual-rail architecture that bridges traditional banking and stablecoin networks for cross-border payments. It serves financial institutions, fintech startups, and enterprises in the U.S., Philippines, and other emerging markets.

Ownership category

akta.pro rank

Product category

Cross-Border Payment Infrastructure

akta.pro industry

PRIMARYFSAGABAK

Cross-Border FX, Multi-Currency & Treasury for Payments

Financial & Insurance/Financial Technology (Fintech)/Payment Orchestration & Fintech Infrastructure (APIs, Issuing, Processing)

SECONDARYFSAGALAE

Embedded Deposit Accounts & Digital Wallet Infrastructure

Financial & Insurance/Financial Technology (Fintech)/Embedded Finance & Banking-as-a-Service (BaaS)

SECONDARYFSAGABAN

Payouts, Disbursements & Mass Payments Infrastructure

Financial & Insurance/Financial Technology (Fintech)/Payment Orchestration & Fintech Infrastructure (APIs, Issuing, Processing)

SECONDARYFSAGABAJ

Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails)

Financial & Insurance/Financial Technology (Fintech)/Payment Orchestration & Fintech Infrastructure (APIs, Issuing, Processing)

SECONDARYFSAGACAG

Transaction Analytics & Cash-Flow Insights (risk signals, forecasting)

Financial & Insurance/Financial Technology (Fintech)/Open Banking & Data Aggregation

Keywords

• Cross-border payments
• Embedded finance platform
• Stablecoin infrastructure
• Open banking APIs
• Regulatory technology

Headquarters

HQ city

Los Angeles

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. API & Platform Access Fees: Talino provides API-accessible and MCP-ready financial infrastructure to fintechs, enterprises, and embedded finance partners, generating revenue through platform access and API usage fees.
2. Transaction-Based Fees: Revenue generated from cross-border payment processing, stablecoin-enabled transfers, and fiat-to-digital asset rail transactions through the platform.
3. Enterprise & Embedded Finance Licensing: Full-stack platform banking services (RegTech, Payment Hub, Global Gateway) licensed to enterprise clients for embedded financial capabilities.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Talino Fintech Foundry is a B2B fintech infrastructure platform providing an API-first, dual-rail payment system that bridges traditional banking rails with stablecoin-enabled networks for cross-border payments. Its full-stack Platform Banking Services include RegTech, Bank Micro Ledger, Payment Hub, and Global Gateway components alongside Open Banking APIs, enabling financial institutions, fintech startups, and embedded finance partners to build compliant financial products without becoming a licensed bank. The platform powers fintech brands such as BayaniPay, Higala, and Bahai Deals and serves enterprise clients including Seafood City and SM Development Corporation.

Product overview

Talino Fintech Foundry operates as a unified fintech infrastructure platform with a dual-rail architecture that merges traditional finance with next-generation stablecoin rails. The platform comprises core products including Borderless Payments (real-time payment infrastructure connecting traditional banking with stablecoin networks), Stablecoins (compliant stablecoin infrastructure), and Open Banking APIs. The Platform Banking Services stack includes Regulatory Technology (RegTech), Bank Micro Ledger, Payment Hub, and Global Gateway modules. The company powers sub-brands Higala, BayaniPay, and Bahai Deals built on its infrastructure. The platform is designed for financial institutions, fintech startups, and embedded finance partners, serving both traditional banking workflows and next-generation programmable money applications.

Differentiator

Problem solved

Functional benefit

Brands

• BayaniPay: Fintech brand powered by Talino's infrastructure, serving diaspora communities.
• Higala
• Bahai Deals

Products and services

• Borderless Payments Real-time payment infrastructure that seamlessly connects traditional banking rails with stablecoin-enabled networks for faster, more inclusive cross-border payments, designed for financial institutions, fintech startups, and embedded finance partners.
• Stablecoin Infrastructure Compliant stablecoin infrastructure that enables companies to build and scale global financial products faster, more securely, and at lower cost by removing regulatory friction and enabling interoperability with traditional finance on a unified platform.
• Open Banking APIs Developer-ready APIs that enable interoperability, accelerate innovation, and unlock new financial products through secure integrations supporting both traditional workflows and next-generation programmable money.
• Platform Banking Services Full-stack platform banking services foundation including Regulatory Technology (RegTech), Bank Micro Ledger, Payment Hub, and Global Gateway, designed for scale and compliance, licensed to enterprise clients seeking to embed regulated financial capabilities without becoming a bank.

Quantifiable outcome

• Platform already powers multiple fintech brands and enterprise clients across the Philippines and U.S. corridor.

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature8 records

Partnerships

Two partnerships are on record, tiered core.

• Philippine Digital Asset Exchange (PDAX)coreTechnology or IntegrationStrategic partnership with PDAX for fiat-to-digital asset rails, liquidity access, and localized settlement in the Philippines. PDAX is a Philippine-based digital asset exchange enabling secure conversion between fiat and digital assets, facilitating Talino's cross-border payment infrastructure in the Philippines market.
• Bridge (a Stripe company)coreTechnology or IntegrationStrategic partnership with Bridge, a Stripe company, to facilitate faster global payments and provide localized settlement in the Philippines. Bridge's payment infrastructure complements Talino's platform, enabling stablecoin-enabled transfers between the U.S. and the Philippines.

Scale indicators3 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Bridge (Stripe): Bridge is Stripe's stablecoin-based payments platform providing fiat-to-stablecoin rails and APIs for cross-border transfers. It is both a Talino partner and a direct competitor in the US–Philippines stablecoin-enabled cross-border corridor.
• Synctera: Synctera is a banking-as-a-service platform providing APIs, compliance, and ledger infrastructure to fintech startups and embedded finance partners. Directly comparable to Talino's platform banking services stack (RegTech, Bank Micro Ledger, Payment Hub) targeting the same fintech-startup and embedded-finance customer segments.
• Unit: Unit provides embedded banking and payment infrastructure via APIs, including deposit accounts, cards, lending, and compliance — analogous to Talino's embedded finance proposition for enterprises and fintech startups building financial products.
• BVNK: BVNK provides stablecoin and fiat payment infrastructure for cross-border payments, payouts, and embedded finance. Highly comparable to Talino's dual-rail architecture serving enterprise and fintech clients in international corridors.
• Treasury Prime: Treasury Prime offers a banking-as-a-service platform with APIs for accounts, payments, and compliance, partnering with banks to serve fintech startups. Directly comparable to Talino's bank-ledger and compliance infrastructure for fintech and embedded finance customers.

Broad incumbents

• Circle: Circle issues USDC and provides APIs and infrastructure for stablecoin payments and treasury. Comparable to Talino in offering regulated stablecoin infrastructure and cross-border payment APIs, but at much greater scale and breadth.
• Ripple: Ripple provides enterprise-grade cross-border payment infrastructure (RippleNet, RLUSD stablecoin, XRP Ledger) targeting banks and payment service providers. Overlaps with Talino's dual-rail, cross-border, bank-and-fintech go-to-market motion, though at significantly larger scale.
• Marqeta: Marqeta provides API-first card issuing and payment processing infrastructure for fintechs and embedded finance use cases. Comparable to Talino's API-first platform banking infrastructure, particularly in enabling fintech startups and enterprises to launch financial products without becoming a bank.
• Plaid: Plaid provides open banking APIs for account connectivity, identity, and financial data. Comparable to Talino's Open Banking APIs module and developer-ready infrastructure for enabling fintech innovation and interoperability.

Emerging players

• Modern Treasury: Modern Treasury provides payment operations infrastructure including APIs for real-time payments, bank integrations, and reconciliation. Comparable to Talino's Payment Hub and Global Gateway modules serving fintechs and enterprises with developer-first payment tooling.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/TalinoLabs
• Facebookfacebook.com/talinolabs

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

Funding overview

Funding rounds6 records

Investors7 records

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

M&A

Investments5 records

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

Frequently asked questions about Talino Fintech Foundry