What Reliant does

Reliant (legal entity: RAM Payment, LLC, d/b/a Reliant) is a Knoxville, Tennessee-based payment infrastructure provider founded in 2009 to serve the debt resolution industry following the FTC's Telemarketing Sales Rule updates that mandated independent third-party fund handling. The company received a strategic investment from Westshore Capital in September 2019, rebranded from RAM to Reliant, and over the following years expanded its licensing footprint to 45 Money Transmitter Licenses across U.S. states and territories, alongside federal MSB registration (NMLS ID #1867991). Its core product is RAMFi®, a proprietary compliance-first payment infrastructure platform that unifies ACH, card, wire, RTP, FedNow, and digital asset rails through a single RESTful API, with embedded KYC/KYB/KYT, AML, OFAC screening, and near real-time transaction monitoring.

The platform is organized into four solution verticals — Debt Resolution, Digital Assets, Disbursements (insurance claims, legal settlements, marketplace payouts), and Money Transfer — each with purpose-built workflows and integrations. Reliant holds domain-specific data models for debt resolution service providers, payee election portals for insurance and legal use cases, and stablecoin/remittance infrastructure for digital assets, with custody-agnostic architecture spanning regulated U.S. banks and digital asset custodians including BitGo. Named customer volumes include mid-tier crypto exchanges at approximately $40 million per month in fiat flows, crypto onramps at $15 million per month, and NFT marketplaces at $8 million per month, alongside consumer crypto platforms processing 200,000 monthly transactions.

Reliant generates revenue through transaction processing fees across multiple rails, licensed infrastructure services that monetize its 45+ Money Transmitter Licenses, and managed enterprise services including dedicated account management, 24/7 U.S.-based live support, and white-label call center offerings. Go-to-market is enterprise-focused with quote-based pricing, multi-year contracts, direct field sales, and an API-first motion targeting fintech platforms, crypto exchanges, and digital asset companies. The company operates from a single headquarters in Knoxville with 11-50 employees and is privately held.

Name

Reliant

Legal name

RAM Payment, LLC

Website

https://reliantpayment.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

Reliant (RAM Payment, LLC) provides compliance-first multi-rail payment infrastructure through its RAMFi® platform, serving debt resolution, digital asset, insurance, legal settlement, and remittance companies across the U.S. via 45 Money Transmitter Licenses.

Ownership category

akta.pro rank

Product category

Payment Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199)

akta.pro primary industry

Processor Back-End & Switch Providers (Issuer/Acquirer Processing Infrastructure) (FSAMABAJ)

akta.pro secondary industries

Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN), B2B Crypto Payouts, Mass Payments & Treasury Disbursements (FSADAIAF), Crypto Remittance & Cross-Border Money Transfer Providers (FSADAIAD), Payments, Remittances & Merchant Acceptance (checkout, invoicing, payroll) (FSAPAEAE)

Keywords

• Payment infrastructure
• Money transmission licensing
• Digital asset onramping
• Enterprise disbursements
• Debt resolution payments

Headquarters

HQ city

Knoxville

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing and Transaction Fees: Revenue generated from processing payments across multiple rails including ACH, card, wire, RTP, and digital assets. Transaction fees likely vary by rail type, volume, and customer segment. Platform supports both per-transaction and potentially volume-based pricing structures.
2. Licensed Infrastructure Services: Provides money transmission licensing infrastructure to partners, enabling them to operate compliantly across 45+ states. Services include compliance framework, operational expertise, and multi-rail payment orchestration.
3. Enterprise Software and Platform Fees: White-glove enterprise support including dedicated account management, 24/7 online chat, U.S.-based live call center, white-label call center support as enterprise add-on, and premium integration services.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Reliant sells RAMFi®, a proprietary unified payment infrastructure platform that lets regulated businesses move money across ACH, card, wire, RTP, FedNow, and digital asset rails through a single RESTful API, with embedded KYC/KYB/KYT, AML, OFAC screening, and near real-time transaction monitoring backed by 45 Money Transmitter Licenses. Solutions are packaged into four verticals: Debt Resolution, Digital Assets (onramps/offramps, wallets, stablecoin/remittance, marketplaces, gaming), Disbursements (insurance claims, legal settlements, mass payouts), and Money Transfer. The platform is sold to enterprises via direct sales, API integration, and embedded partner channels.

Product overview

Reliant operates as a platform-plus-modules architecture centered on RAMFi®, a proprietary compliance-first payment infrastructure platform. RAMFi® unifies fiat and digital asset money movement across ACH, card, wire, RTP, and digital asset rails through a single API, with built-in KYC/KYT/KYB, AML, OFAC screening, and multi-state licensing (45 MTLs). The platform is organized into four primary solution verticals: Debt Resolution (with dedicated account management, automated creditor payments, and the Vantage Program for retention), Digital Assets (covering Onramps & Offramps, Wallets & Custody, Stablecoin & Remittance, Marketplaces & Exchanges, and Gaming & Digital Economies), Disbursements (encompassing Insurance Claims, Legal Settlements, Medical Reimbursements, and Marketplace Payouts), and Money Transfer (first-mile domestic collection handing off to MTO partners for cross-border delivery). The platform also supports open banking account linking, balance checks, and transaction history.

Differentiator

Problem solved

Functional benefit

Brands

• RAMFi®: Proprietary unified payment infrastructure platform that powers compliant money movement across ACH, card, wire, RTP, and digital asset rails with built-in compliance controls.

Products and services

• RAMFi® Payments Infrastructure Platform Reliant's proprietary, unified multi-rail payment infrastructure platform that powers compliant money movement across ACH, card, wire, RTP, FedNow, and digital asset rails through a single RESTful API, with built-in KYC/KYB/KYT, AML, OFAC screening, and near real-time transaction monitoring. Sold to enterprises in regulated industries via direct sales, API integration, and embedded partner channels.
• Debt Resolution Solution End-to-end payment infrastructure for debt resolution companies, offering dedicated consumer account management, automated creditor payments, multiple drafting methods (ACH, card, open banking balance checks), CRM integrations, and near real-time reporting. Built to support TSR compliance and reduce enrollee dropout, including the Vantage Program for event-driven retention marketing.
• Digital Assets Solution Fiat-to-crypto entry and exit infrastructure for digital asset platforms, supporting compliant fund movement via ACH, card, wire, and RTP through 45+ money transmitter licenses and MSB registration. Includes CIP/KYC/KYT/AML integration and near real-time settlement for exchanges, NFT marketplaces, custodial wallets, stablecoin issuers, and gaming economies.
• Onramps & Offramps Compliant fiat-to-crypto entry and exit for exchanges, wallets, and digital asset platforms across 45+ states, delivered through a single API with integrated risk controls, identity verification, configurable velocity thresholds, and chargeback mitigation including 3D Secure.
• Wallets & Custody Fiat funding and withdrawal infrastructure for custodial wallet platforms operating across regulated U.S. markets, integrated with BitGo and other digital asset custody partners via the RAMFi® unified ledger.
• Stablecoin & Remittance Mint/redeem infrastructure and cross-border settlement for stablecoin issuers and remittance operators, with first-mile U.S. dollar collection through compliant domestic rails (ACH, wire, card, RTP) and hand-off to licensed MTO partners for international delivery.
• Marketplaces & Exchanges High-volume fiat infrastructure for crypto exchanges and NFT marketplaces, providing RESTful APIs, event-driven architecture, and consolidated audit trails for deposits, withdrawals, reversals, and holds. Used by customers processing tens of millions per month in fiat deposits and withdrawals.
• Gaming & Digital Economies Regulated payment infrastructure for in-game economies, esports, and play-to-earn gaming models, supporting compliant fiat-to-digital-asset movement for game publishers and platform operators.
• Disbursements Solution Enterprise-scale disbursement infrastructure for mass payouts, incentive programs, and vendor payments, featuring multi-rail delivery (ACH, push-to-card, digital wallets, wire, checks), complete audit trails, and payee election portals that let recipients choose their preferred payment method.
• Insurance Claims Disbursement Digital insurance claim payout infrastructure with payee election portals enabling policyholders to select preferred payment methods (ACH, push-to-card, prepaid debit, digital wallets, wire, checks) via SMS/email, reducing claims processing time from weeks to minutes and minimizing reconciliation overhead.
• Legal Settlements Disbursement Digital settlement fund distribution infrastructure for class action and mass tort payouts, featuring claimant election portals, multi-rail disbursement, automated reconciliation, and court-ready audit reports for QSF administrators, TPAs, and plaintiff's attorneys.
• Money Transfer / Remittance Solution First-mile infrastructure for money transfer and remittance, collecting U.S. dollars from senders via compliant domestic rails (ACH, wire, card, RTP) and handing off to licensed money transmitter operator partners for cross-border delivery, with full BSA/AML and sanctions screening.

Quantifiable outcome

• 95%+ of recipients choose digital payouts when given payment choice through payee election infrastructure
• +2 more outcomes

Named customers8 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature7 records

Partnerships

Three partnerships are on record, tiered core.

• BitGo Trust Company Inc.coreTechnology or Integration · 28 October 2025BitGo Trust Company Inc. serves as the digital asset custody partner for the RAMFi payments platform. BitGo provides secure digital asset custody infrastructure that integrates with RAMFi's regulated payment rails, enabling compliant movement of digital assets alongside fiat currencies.
• Regulated U.S. BankscoreTechnology or IntegrationRAMFi is built on relationships with multiple regulated U.S. banks providing banking infrastructure and fund custody. These partnerships enable ACH, wire, and other payment rail processing while providing diversification against single-bank concentration risk.
• Digital Asset CustodianscoreTechnology or IntegrationMulti-custodial architecture with partnerships with regulated digital asset custodians enabling unified fiat and digital asset ledger capabilities across the RAMFi platform.

Scale indicators6 records

Recent moves12 records

Expansion highlights6 records

Direct peers

• Zero Hash: Crypto on/off ramp and payment infrastructure provider. Reliant explicitly compares itself against Zero Hash on its website. Both offer compliant fiat-to-crypto conversion infrastructure for exchanges, wallets, and fintech platforms with multi-state regulatory coverage.
• MoonPay: Crypto payments company offering fiat-to-crypto onramp infrastructure. Listed as a direct competitor on Reliant's comparison pages. Both serve consumer crypto platforms, exchanges, and fintechs with fiat entry/exit and developer-friendly APIs.
• Bridge (Stripe): Crypto payment infrastructure provider acquired by Stripe in 2024. Listed as a direct competitor on Reliant's comparison pages. Both target exchanges and fintech platforms needing fiat-crypto conversion and stablecoin operations.
• Cybrid: Crypto on/off ramp and digital asset infrastructure provider. Listed as a direct competitor on Reliant's comparison pages. Both offer API-based payment infrastructure for fintech platforms entering the crypto space with regulatory licensing components.
• Banxa: Crypto on/off ramp and payment processor listed publicly on TSX-V. Listed as a direct competitor on Reliant's comparison pages. Both serve crypto exchanges and platforms with compliant fiat-crypto payment rails and global licensing coverage.
• PayNearMe: Payment processor for regulated industries with strong multi-state licensing and consumer cash payment network. Both Reliant and PayNearMe target regulated verticals with multi-rail payment infrastructure and compliance-first architectures serving B2B platforms.
• BVNK: Crypto payment processor and onramp infrastructure provider for fintechs and digital asset companies. Both target exchanges, marketplaces, and remittance operators with fiat-crypto payment rails and licensed infrastructure for cross-border and domestic payments.
• Dwolla: ACH-focused payment API platform for fintechs and platforms. Both offer developer-friendly payment infrastructure with single API integration, though Dwolla focuses on ACH while Reliant offers broader multi-rail coverage (cards, wires, RTP, digital assets).

Broad incumbents

• Modern Treasury: Payment operations platform offering money movement APIs for B2B platforms. While broader in scope (ACH, wire, RTP, check), Modern Treasury serves similar fintech customers needing developer-first payment infrastructure and is comparable on API-driven money movement for regulated businesses.
• Marqeta: Modern card issuing and payment processing platform (publicly traded). While Marqeta focuses on card-based infrastructure and serves a broader range of verticals, both serve fintech B2B customers with embedded payment infrastructure, API-first architecture, and developer-friendly integration models.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/reliant-account-management

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds3 records

Investors2 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 Reliant