NXTMOVES
NXT
- Company typePrivate
- Founded2021
- HeadquartersAtlanta, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What NXTMOVES does
NXTMOVES, Inc. is an Atlanta-based fintech infrastructure company founded in 2021 that operates a two-sided platform connecting banks seeking new revenue streams with businesses seeking to embed financial products. The company targets two primary segments: community and regional banks seeking BIN sponsorship, credit and lending syndication, NIM improvement, and embedded finance revenue without sacrificing compliance oversight; and fintechs, SaaS platforms, and non-traditional businesses seeking branded card programs, payment acceptance, and financing capabilities. A secondary merchant/PSP segment is addressed through partners. Distribution is consultative direct enterprise sales augmented by a strategic referral channel (e.g., Vecter Technologies), and the company maintains a presence in the Atlanta payments corridor where it claims proximity to the bulk of US payments infrastructure.
The company's core product is ROOK, a proprietary, cloud-native full-stack program management platform built on Google Cloud Platform with 100% owned IP and no dependency on legacy core systems. ROOK combines program management and card issuance in one platform and covers the full lifecycle from onboarding to performance, including dedicated per-client BIN infrastructure, real-time transaction oversight, 1:1 auditable ledgers, role-based transparency dashboards, and built-in KYC/KYB/AML/BSA checks. Supporting service modules include issuing solutions (virtual and physical consumer and commercial cards), payment processing and acquiring, full-lifecycle program management, advisory and strategy, and lending solutions. The platform supports both consumer and commercial issuing, acquiring, and lending programs with real-time program-level visibility.
The business model combines recurring platform subscription/usage-based fees for access to ROOK, transaction-based fees for card issuing and acquiring services, and managed-services economics on lending and credit programs (including interest-share and syndication arrangements with bank partners). Pricing is quote-based and not publicly disclosed. Strategic capital inputs include an undisclosed strategic investment from Bankers Helping Bankers (community-bank network created by FedFis and IBAT) and a corporate investment tied to the ekko partnership; total funding to date is not disclosed. Headcount is reported in the 1–10 range, with named leaders including co-founders Steve Nigri and Walt Hoffmann, COO Erica Gee, and directors/VP covering Money Out Solutions, payment operations & risk, and underwriting/fraud strategy.
NXTMOVES firmographics
Firmographics- Name
- NXTMOVES
- Legal name
- NXTMOVES, Inc.
- Website
- https://nxtmoves.io
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- NXT
- Ownership category
- akta.pro rank
Where NXTMOVES is headquartered
LocationHeadquarters
- HQ city
- Atlanta
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
NXTMOVES business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Program Management Platform Fees: Subscription or usage-based fees for access to the ROOK full-stack program management platform covering issuing infrastructure, real-time transaction controls, and compliance oversight.
- Card Issuing and Acquiring Services: Transaction-based fees from payment processing, card issuing, and acquiring services for consumer and commercial card programs.
- Lending and Credit Services: Revenue from lending programs, credit facilitation, and syndication capabilities enabling banks to grow Net Interest Margin (NIM) through interest-share models.
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
NXTMOVES product offering
Product offeringCore offering
NXTMOVES provides embedded finance infrastructure through its proprietary ROOK platform, enabling banks and financial institutions to launch and manage card issuing, acquiring, lending, and full program management operations. The company connects banks seeking new revenue streams with fintechs, SaaS platforms, and businesses seeking to embed financial products, delivering cloud-native technology, dedicated BIN sponsorship, built-in compliance, and real-time transaction visibility across the full program lifecycle.
Product overview
NXTMOVES offers a two-sided embedded finance platform combining the ROOK full-stack program management platform with complementary service modules. ROOK serves as the proprietary, cloud-native operating layer providing issuing infrastructure, real-time transaction controls, compliance management (KYC/KYB/AML/BSA), and BIN sponsorship. Supporting services include payment processing and acquiring, card issuing solutions (virtual and physical), full-lifecycle program management, advisory and strategy consulting, and lending solutions. The platform is designed for banks seeking new revenue streams (via NIM, BIN sponsorship, credit syndication) and businesses (fintechs, SaaS platforms, community banks) seeking to embed financial products without building core infrastructure.
Differentiator
Problem solved
Functional benefit
Brands
- ROOK: NXTMOVES' proprietary, cloud-native full-stack program management platform providing issuing infrastructure, real-time transaction controls, and comprehensive card program management for banks and businesses.
Products and services
- ROOK Platform
Quantifiable outcome
- 100+ launched programs delivered with proven payment program performance
- +2 more outcomes
Companies that use NXTMOVES
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
NXTMOVES technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature6 records
NXTMOVES partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and flagship.
- LoanProcoreStrategic partnership integrating LoanPro's credit platform as the system of record with NXTMOVES's ROOK full-stack program management platform. The partnership combines credit servicing, issuing infrastructure, and program management to enable compliant, scalable credit card programs for fintechs and community banks. NXTMOVES clients gain access to LoanPro's centralized credit ledger management, while LoanPro clients access ROOK's program management and transaction controls.
- Vecter TechnologiescoreStrategic mutual referral partnership delivering end-to-end payment solutions. NXTMOVES provides issuing services including virtual and physical card programs to Vecter clients, while Vecter Technologies delivers merchant services, payment facilitation, POS solutions, and acquiring services to NXTMOVES clients. The partnership addresses fragmentation by connecting specialized issuing and acquiring providers.
- ekkoflagshipPartnership bringing purpose-driven innovation to payments across the US. NXTMOVES provides payment infrastructure enabling ekko to embed purpose-driven features into transactions, helping customers see carbon footprint of purchases and support verified environmental and community projects. The collaboration enables payment providers and merchants to embed purpose directly into transactions, supporting causes like wildfire prevention, ocean cleanup, and local community initiatives.
Scale indicators3 records
Recent moves6 records
Expansion highlights7 records
NXTMOVES competitors and assessment
Company assessmentDirect peers
- Unit: Unit is a leading Banking-as-a-Service platform providing embedded banking, card issuing, and lending infrastructure to fintechs and businesses. Directly comparable to NXTMOVES in core BaaS offering and target customer segments.
- Highnote: Highnote is a BaaS platform providing card issuing, ledgering, and payment infrastructure for fintechs and brands. Directly comparable to NXTMOVES' full-stack BaaS offering with emphasis on transparency.
- Synctera: Synctera provides a BaaS platform connecting fintechs with community banks, including program management, compliance, and ledgering. Highly comparable to NXTMOVES' community bank focus and end-to-end program management model.
- Finix: Finix provides payments infrastructure enabling businesses to own, manage, and monetize payments. Comparable to NXTMOVES in enabling businesses and platforms to embed financial services with transparency.
- Treasury Prime: Treasury Prime offers embedded banking infrastructure connecting banks and fintechs through APIs for accounts, cards, payments, and compliance. Comparable to NXTMOVES in two-sided bank/fintech platform model.
- Lithic: Lithic provides card issuing and payment infrastructure APIs for fintechs and digital businesses. Comparable to NXTMOVES' issuing infrastructure focus and developer-facing platform model.
- Column (formerly Column Bank): Column is a bank-as-a-platform provider offering API-based banking infrastructure to fintechs and developers. Comparable to NXTMOVES in providing bank-backed infrastructure for embedded finance programs.
Broad incumbents
- Stripe Issuing: Stripe Issuing is part of Stripe's broader payments platform, enabling businesses to create and manage card programs. Comparable capability to NXTMOVES' issuing solutions, but part of a much larger payments ecosystem.
- Marqeta: Marqeta is a publicly-traded modern card issuing platform powering prepaid, debit, and credit programs for fintechs and brands. Comparable to NXTMOVES' issuing and program management capabilities at much larger scale.
- Galileo Financial Technologies: Galileo (owned by SoFi) provides payments processing and card issuing infrastructure for fintechs and banks. Comparable to NXTMOVES' core platform capabilities, but operates as part of a much larger financial services conglomerate.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
NXTMOVES social profiles
Digital presenceNXTMOVES financial estimates
Financial estimateRevenue estimate
Valuation estimate
NXTMOVES leadership team
Management profileNumber of profiles
Profiles6 records
NXTMOVES funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
NXTMOVES 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 NXTMOVES
What does NXTMOVES do?
NXTMOVES provides embedded finance infrastructure through its proprietary ROOK platform, enabling banks and financial institutions to launch and manage card issuing, acquiring, lending, and full program management operations. The company connects banks seeking new revenue streams with fintechs, SaaS platforms, and businesses seeking to embed financial products, delivering cloud-native technology, dedicated BIN sponsorship, built-in compliance, and real-time transaction visibility across the full program lifecycle.
Is NXTMOVES a public or private company?
NXTMOVES is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was NXTMOVES founded?
NXTMOVES was founded in 2021. It employs 11 to 50 people.
Where is NXTMOVES based?
NXTMOVES is headquartered in Atlanta, United States, in the North America region.
How does NXTMOVES make money?
Three revenue lines are on record. Program Management Platform Fees are the primary driver. The others are card Issuing and Acquiring Services and lending and Credit Services.
Who are NXTMOVES's main competitors?
Direct peers on record are Unit, Highnote, Synctera, Finix, Treasury Prime, Lithic and Column (formerly Column Bank). Broad incumbents are Stripe Issuing, Marqeta and Galileo Financial Technologies.
Does NXTMOVES have an API?
No public API is recorded for NXTMOVES.