Delfi

What Delfi does

Delfi Labs Inc. is a New York-based fintech that builds an AI-powered financial strategy platform targeting community banks and credit unions. The company was founded in 2022 and operates with 11–50 employees under a Delaware corporation headquartered in New York. Its core offering is Overwatch, an AI-native balance-sheet simulation SaaS platform that combines forensic analytics, machine-learning optimization, and an AI Copilot to deliver ALM diagnostics, what-if scenario planning, instant CAMELS regulatory reports, and actionable hedging and balance-sheet strategy recommendations. The product portfolio is layered: Overwatch (SaaS subscription), Exchange (a curated marketplace for loan participations, interest-rate swaps, brokered deposits, and wholesale funding), DelfiReciprocal (a proprietary reciprocal deposit instrument for margin protection), ODIN (Optimal Duration Index, a proprietary lending benchmark launched September 2025), and Delfi Essentials (a free entry-tier product launched March 2025). Delfi is a CFTC-registered Commodity Trading Advisor (NFA ID 0571670) and SOC 2 Type 2 certified.

Delfi monetizes primarily through SaaS subscriptions to Overwatch (quote-based, annual billing) and transaction-related fees on the Exchange marketplace. Go-to-market is enterprise field sales, supported by a free trial for product-led adoption, partnerships with CFO Consulting Partners and Community Capital, and a Credit Union Service Organization (CUSO) launched in February 2026 with One Washington Financial and Maps Credit Union. Distribution into community banks and credit unions is further amplified by integration partnerships such as the one with BankRadar.

As of July 2025, 21 financial institutions were live on the platform, including three U.S. bank partnerships representing $11B in assets under technology management. Named references include Gulf Coast Bank & Trust, One Washington Financial, and Maps Credit Union. The leadership team combines senior policy and capital markets pedigree (ex-Federal Reserve, U.S. Treasury, Bank of England, Goldman Sachs, BNP Paribas, The White House) with technical depth (MIT, Harvard, Princeton PhDs), and the advisory board includes former Federal Reserve Vice Chair Roger Ferguson Jr. and former U.S. Senator David Vitter. Delfi has not disclosed institutional funding rounds; the company appears privately held with founder-led ownership concentrated in co-founders Daniel Ahn (CEO) and Joseph Ahn (CSO & President).

Name

Delfi

Legal name

Delfi Labs Inc.

Website

https://delfi.co

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

51–100 employees

Short description

Delfi Labs Inc. is an AI-native fintech that provides balance-sheet simulation, ALM diagnostics, and a curated exchange marketplace for community banks and credit unions, led by a team with ex-Federal Reserve, U.S. Treasury, and Goldman Sachs experience.

Ownership category

akta.pro rank

Product category

Banking and Financial Risk Management Software

akta.pro primary industry

Credit Monitoring, Portfolio Analytics & Early Warning Systems (FSAGAHAJ)

Keywords

• AI balance sheet analytics
• Asset liability management
• Interest rate risk management
• Banking financial software
• Credit union ALM

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

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

Revenue model

1. SaaS Platform Subscription (Overwatch): AI-powered balance sheet analytics platform offered as a SaaS subscription to financial institutions. Provides ALM diagnostics, what-if planning, AI copilot guidance, and instant CAMELS reports.
2. Exchange Solutions: Transaction-based marketplace for balance sheet solutions including loan participations, interest-rate swaps, brokered deposits, and wholesale funding.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

Delfi provides an AI-powered financial strategy platform for banks and credit unions, centered on the Overwatch SaaS platform that delivers forensic balance-sheet analytics, machine-learning optimization, ALM diagnostics, what-if scenario planning, and instant CAMELS regulatory reports. The offering is complemented by the Exchange marketplace for balance-sheet solutions (loan participations, interest-rate swaps, brokered deposits, wholesale funding) and DelfiReciprocal, a reciprocal deposit product for margin protection.

Product overview

Delfi is an AI-powered financial strategy platform for banks and credit unions, offering a unified SaaS architecture centered on the Overwatch core platform. Overwatch provides AI-native balance-sheet simulation with an AI Copilot that delivers forensic analytics, ALM diagnostics, what-if planning, and instant CAMELS reports. The Exchange module serves as a curated marketplace for balance-sheet solutions including loan participations, interest-rate swaps, and wholesale funding. DelfiReciprocal is a proprietary reciprocal deposit product for margin protection. The product portfolio also includes Delfi Essentials (free tier) and ODIN (analytics product for lending decisions). The platform is built by bankers for bankers, targeting financial institutions seeking to modernize balance sheet strategy with AI-driven tools.

Differentiator

Problem solved

Functional benefit

Brands

• Overwatch: AI-native balance-sheet simulation platform with AI Copilot that recommends actionable strategies for ALM diagnostics, what-if planning, and instant CAMELS reports.
• Exchange
• DelfiReciprocal
• ODIN (Optimal Duration Index)
• Delfi Essentials

Products and services

• Overwatch AI-native balance-sheet simulation SaaS platform with an AI Copilot that recommends actionable strategies. Provides ALM diagnostics, what-if planning, instant CAMELS reports, and scenario-driven decision-making for banks and credit unions.
• Exchange Curated marketplace providing access to balance-sheet solutions including loan participations, interest-rate swaps, brokered deposits, and wholesale funding sources, enabling financial institutions to find funding and deployment tools that boost margins.
• DelfiReciprocal Innovative reciprocal deposit product designed to help banks and credit unions protect margins, offering convenient terms, cost-effectiveness, and flexible maturities.
• Delfi Essentials Free risk management solution for banks and credit unions, providing entry-level access to Delfi's balance sheet analytics capabilities.
• ODIN (Optimal Duration Index) Optimal Duration Index benchmark providing lending institutions with a data-driven reference for duration management in lending decisions.

Quantifiable outcome

• 21 financial institutions live on platform by July 2025
• +2 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature7 records

Partnerships

Four partnerships are on record, tiered core.

• One Washington FinancialcoreStrategic or Co-development Partner · 3 February 2026Launch of Credit Union Service Organization (CUSO) led by One Washington Financial, the holding company of Washington State Employees Credit Union. The CUSO will provide AI-powered balance sheet analytics and asset-liability management solutions to credit unions nationwide.
• Maps Credit UnioncoreGTM or Marketing Partner · 3 February 2026Maps Credit Union joined as an early investor and adopter of the Delfi CUSO offering, bringing AI-powered balance sheet intelligence to credit unions nationwide.
• CFO Consulting PartnerscoreImplementation/ SI/ Consulting Partner · 4 December 2025Launched a joint advisory package aimed at strengthening balance sheet management for banks and credit unions. Combines Delfi's AI analytics with CFO Consulting's advisory expertise.
• Community CapitalcoreStrategic or Co-development Partner · 1 October 2025Partnership to deliver the industry's first integrated balance sheet analytics and loan marketplace execution platform. Combines Delfi's analytics with Community Capital's loan marketplace.

Scale indicators3 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Quantitative Risk Management (QRM): QRM is the leading independent provider of asset-liability management (ALM), interest-rate risk, and liquidity analytics for financial institutions. It is the closest direct competitor to Delfi's Overwatch platform, serving many of the same bank and credit-union balance-sheet strategy teams.
• Baker Hill: Baker Hill provides lending, risk, and portfolio analytics specifically designed for community banks and credit unions — overlapping directly with Delfi's target segment and use cases around credit and balance-sheet decisioning.
• Empyrean Solutions: Empyrean provides ALM, IRR, and funds transfer pricing solutions targeted specifically at community banks and credit unions — a direct competitor in Delfi's primary segment with overlapping product capabilities.

Broad incumbents

• Wolters Kluwer: Wolters Kluwer's Finance, Risk & Regulatory Reporting unit (including OneSumX) provides ALM, IRRBB, and regulatory reporting solutions to banks and credit unions globally. A large incumbent with overlapping capabilities but a much broader compliance and risk portfolio.
• Fiserv: Fiserv acquired Bancware (now part of its Risk & Compliance solutions) to provide ALM and balance-sheet analytics to thousands of banks and credit unions. A broad incumbent where ALM/IRR is one module of a comprehensive core-processing and fintech platform.
• Finastra: Finastra's FusionAsset Finance and FusionRisk suites deliver ALM, treasury, and risk analytics to banks worldwide. A broad incumbent that competes across multiple bank technology categories, including balance-sheet management.
• Moody's Analytics: Moody's Analytics offers ALM, credit risk, and regulatory solutions (e.g., RiskFoundation, Capital Risk) used by global and mid-sized banks. A scaled incumbent with deep data assets overlapping Delfi's risk-analytics value proposition.
• SAS: SAS provides analytics, fraud, and risk-management software used by major banks for ALM, stress testing, and regulatory reporting. A broad incumbent where balance-sheet analytics is one of many risk-analytics offerings.

Emerging players

• nCino: nCino is a cloud banking platform serving commercial and retail banks with built-in risk analytics and portfolio insights. While not ALM-native, it competes for the same community/mid-market bank technology wallet and increasingly adds balance-sheet analytics.
• MX Technologies: MX provides data connectivity, analytics, and enhancement tools used by banks and credit unions to drive digital and risk decisions. Adjacent fintech infrastructure that overlaps with Delfi's data-and-analytics theme for FIs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/delfi

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds3 records

Investors3 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 Delfi