IFI Network
IFI Network is a B2B fintech marketplace that enables RIAs, wealth managers, and advisory firms to launch white-label digital banks in 48 hours. It offers FDIC-insured products—high-yield accounts, extended insurance up to $100M, lending, and impact deposits—via Northern Trust custody.
- Company typePrivate
- Founded2018
- HeadquartersSalt Lake City, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What IFI Network does
IFI Network is a Salt Lake City-based B2B fintech that operates a white-label digital banking marketplace enabling businesses—including registered investment advisors, wealth management firms, accounting practices, and other advisory companies—to launch private-label digital banks without obtaining a banking license. Founded in 2018, the platform connects partners to a network of FDIC-insured banks via Northern Trust as custodian, offering products such as High Yield Bank Accounts (HYBA), Extended FDIC Insurance providing up to $100M in deposit coverage through multi-bank sweeps, Impact Cash Solutions for mission-aligned deposits, and Client Lending Solutions. Partners customize the platform with their branding, set their own pricing, and define revenue share terms, with the company claiming partners can move from product selection to live operation in as little as 48 hours.
The company's technology stack is centered on a configurable white-label platform with a partner dashboard showing deposits, active loans, accounts, and revenue. The platform reportedly serves 500+ businesses globally, with publicly displayed platform metrics of $18.7M in deposits, $12.3M in active loans, and 24,847 accounts as of January 2026. The marketplace model allows IFI to add new banking products over time without re-platforming partners, while its regulatory structure—deposits held by partner banks with Northern Trust as custodian—offloads the licensing and compliance burden of becoming a bank onto established financial institutions.
IFI Network monetizes through a combination of basis-point platform fees on deposit placement and a variable revenue share tied to partner-set pricing and transaction volume. Go-to-market combines an enterprise field-sales motion for larger partners (with Calendly-based demos) and a self-service partner registration portal for mid-market and SMB customers, with each onboarded partner effectively becoming a downstream distribution channel for banking products. The company has no publicly disclosed funding rounds and is privately held, though it has assembled an advisory board drawing from Vanguard, BNY Mellon, and Focus Financial Partners.
IFI Network firmographics
Firmographics- Name
- IFI Network
- Legal name
- IFI Network Inc.
- Website
- https://ifinetwork.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- IFI Network is a B2B fintech marketplace that enables RIAs, wealth managers, and advisory firms to launch white-label digital banks in 48 hours. It offers FDIC-insured products—high-yield accounts, extended insurance up to $100M, lending, and impact deposits—via Northern Trust custody.
- Ownership category
- akta.pro rank
IFI Network industry classification
Industry- Product category
- Banking-as-a-Service Platform
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Miscellaneous Intermediation (523910)
- SIC
- Finance Services (6199), Loan Brokers (6163)
- akta.pro primary industry
- Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK)
- akta.pro secondary industries
- Fintech & Payments Partner / ISO Referral Networks (FSAEAMAK), Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards) (FSABAIAB)
Keywords
Where IFI Network is headquartered
LocationHeadquarters
- HQ city
- Salt Lake City
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
IFI Network business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Platform/SaaS Fees: Businesses pay fees (measured in basis points) to access the white-label banking platform and offer banking products to their clients
- Revenue Share: Partners set their own pricing and define their revenue share, creating a variable revenue stream based on transaction volume and deposits placed through the platform
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Custom pricing based on services selected |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
IFI Network product offering
Product offeringCore offering
IFI Network provides a B2B digital banking marketplace platform that enables businesses to launch their own white-label, private-label digital banks. Partners connect to a network of FDIC-insured banks (with Northern Trust as custodian) and select from a marketplace of premium banking services, including high-yield bank accounts (HYBA), extended FDIC insurance up to $100M, impact cash solutions, and client lending services. Partners customize branding, set pricing, define revenue share, and go live with a fully functional digital bank in as little as 48 hours without becoming a regulated bank themselves.
Product overview
IFI Network operates as a B2B digital banking marketplace platform that enables businesses to build their own white-label digital banks. The platform provides a suite of banking products including the High Yield Bank Account (HYBA), Extended FDIC Insurance (providing up to $100M coverage through multi-bank sweeps), Impact Cash Solutions for mission-aligned banking, and Client Lending Solutions. Partners can customize their platform with their branding, set pricing, and define revenue share, gaining complete control over their private-label banking offering.
Differentiator
Problem solved
Functional benefit
Products and services
- IFI Network Platform A B2B digital banking marketplace platform that enables businesses to build private-label, white-label digital banks by connecting to a network of FDIC-insured banks, offering enterprise-grade banking services under the partner's own brand.
- High Yield Bank Account (HYBA)
- Extended FDIC Insurance An extended FDIC insurance solution providing up to $100 million in deposit coverage by sweeping funds across multiple FDIC-insured banks in IFI's network.
- Impact Cash Solutions Mission-aligned banking solutions that allow partners to offer deposits at banks whose values align with their clients' social or environmental missions.
- Client Lending Solutions Client lending solutions available through the platform, enabling partners to offer loan products to their customers.
Quantifiable outcome
- Launch a digital bank in 48 hours
- +3 more outcomes
Companies that use IFI Network
Customer profileNamed customers7 records
Segments3 records
Ideal customer profiles3 records
IFI Network technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
IFI Network partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Northern TrustcoreNorthern Trust serves as the Custodian Bank for IFI Network, holding customer funds in various custodial deposit accounts. This partnership enables the platform to provide FDIC-insured deposit placement services through a network of banks, with Northern Trust managing the custody and regulatory compliance aspects.
Scale indicators6 records
Recent moves6 records
Expansion highlights5 records
IFI Network competitors and assessment
Company assessmentDirect peers
- Synctera: Synctera is a Banking-as-a-Service (BaaS) platform that connects fintechs and brands to bank partners (such as Piermont Bank) to deliver embedded banking products. It competes with IFI Network in enabling partner-branded deposit accounts, cards, and lending through partner-bank infrastructure.
- Treasury Prime: Treasury Prime provides a BaaS API platform that links fintechs and brands to a network of partner banks for deposit, ACH, card, and lending products. Comparable to IFI Network as both enable white-label banking distribution through underlying chartered bank relationships.
- Unit Finance: Unit is a BaaS infrastructure provider that pairs fintechs with partner banks to deliver branded deposit accounts, debit/credit cards, and lending. Like IFI Network, Unit supports white-label banking experiences with embedded compliance and back-office operations.
- Alviere: Alviere is an embedded finance platform offering branded banking, payment cards, and global payouts for enterprises and platforms. Comparable to IFI Network in white-label banking enablement, although Alviere leans more cross-border/payments heavy.
Emerging players
- Bank Happy: Bank Happy is a B2B fintech platform enabling brands and advisors to offer white-label digital banking to clients via partner banks. Closest direct analog to IFI Network's wealth-management-focused white-label banking distribution model.
- Modern Treasury: Modern Treasury operates payments infrastructure for moving money via bank rails, including a marketplace of bank integrations. Adjacent to IFI Network in supporting fintech and platform companies with bank connectivity, though focused on treasury/payments rather than white-label deposit distribution.
- Jiko Group: Jiko offers a cash management and treasury platform providing FDIC-insured high-yield cash solutions and alternative-asset liquidity via partner bank sweeps. Closest functional analog to IFI Network's HYBA and Extended FDIC Insurance propositions targeting advisors and treasurers.
Broad incumbents
- Lead Bank: Lead Bank is a chartered community bank that runs one of the largest BaaS sponsorship programs in the U.S., providing the underlying banking rails for many fintech and embedded banking brands. It is the bank-network parallel to IFI Network's reliance on partner banks like Northern Trust and others.
- Stride Bank (BaaS): Stride Bank (and parent Stride Financial) is a chartered bank that sponsors BaaS programs for fintechs, including deposit and card products. Comparable as the type of institutional bank partner IFI's distribution model depends on, and sometimes competing for the same BaaS customer.
- Narmi: Narmi provides a digital banking and account-opening platform primarily serving community banks and credit unions. Comparable in delivering embedded experience layers on top of chartered banks, although more retail-bank focused rather than the white-label advisor distribution model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
IFI Network social profiles
Digital presenceIFI Network financial estimates
Financial estimateRevenue estimate
Valuation estimate
IFI Network leadership team
Management profileNumber of profiles
Profiles3 records
IFI Network funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
IFI Network 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 IFI Network
What does IFI Network do?
IFI Network provides a B2B digital banking marketplace platform that enables businesses to launch their own white-label, private-label digital banks. Partners connect to a network of FDIC-insured banks (with Northern Trust as custodian) and select from a marketplace of premium banking services, including high-yield bank accounts (HYBA), extended FDIC insurance up to $100M, impact cash solutions, and client lending services. Partners customize branding, set pricing, define revenue share, and go live with a fully functional digital bank in as little as 48 hours without becoming a regulated bank themselves.
Is IFI Network a public or private company?
IFI Network is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was IFI Network founded?
IFI Network was founded in 2018. It employs 11 to 50 people.
Where is IFI Network based?
IFI Network is headquartered in Salt Lake City, United States, in the North America region.
How does IFI Network make money?
Two revenue lines are on record. Platform/SaaS Fees are the primary driver. The others are revenue Share.
Who are IFI Network's main competitors?
Direct peers on record are Synctera, Treasury Prime, Unit Finance and Alviere. Emerging players are Bank Happy, Modern Treasury and Jiko Group. Broad incumbents are Lead Bank, Stride Bank (BaaS) and Narmi.
Does IFI Network have an API?
No public API is recorded for IFI Network.
What industry is IFI Network in?
IFI Network's product category is Banking-as-a-Service Platform. Its primary akta.pro industry code is FSAGABAK, Cross-Border FX, Multi-Currency & Treasury for Payments, with a secondary code of FSAEAMAK, Fintech & Payments Partner / ISO Referral Networks. Its NAICS code is 522320 and its SIC code is 6199.