Ship your product to many FI’s with our core-connectors.

Streamline fintech integration with our pre-built Jack Henry, Fiserv, and FIS core-connectors — without the heavy-lift of legacy core banking systems.

The fintech scaling trap

Your provider stack is now
your risk surface.

Nothing about a fintech's infrastructure is casual anymore. Sponsor banks are under third-party risk scrutiny, ledgers have to reconcile on demand, and every provider you add is a dependency someone will audit.

01 · Concentration risk

One sponsor bank is a single point of failure

Enforcement activity has pushed banks to scrutinise the fintech programs they sponsor — repricing, tightening or exiting them. If your accounts, ledger and rails are hard-wired to one partner, their risk appetite becomes your roadmap. Multi-bank routing is what turns that from an existential event into a configuration change.

02 · Ledger integrity

Reconciliation can't be outsourced blind

When a major BaaS middleware provider failed in 2024, customer funds froze — because the ledgers between brand, provider and bank didn't reconcile and no one clearly owned the truth. The lesson stuck: you need your own reconciled ledger and FBO account visibility, not a vendor's word for it.

03 · Diligence drag

Compliance decides how fast you launch

Bank partnership diligence now covers data flows, encryption, access control, audit trails and BSA/AML coverage before a single account opens. Teams that can hand that over on day one get better partners and shorter timelines; the rest re-architect under deadline.

04 · Integration tax

Every new provider costs a quarter

A second processor, a new rail, an issuing partner, another KYC vendor — each one point-to-point, each one owned by an engineer who'd rather be building product. That's runway spent on plumbing instead of on the thing customers pay for.

What we build for fintechs

The connection layer behind
a fast-moving fintech

Production infrastructure, wired and monitored by a boutique team that has integrated the bank side of these relationships — not just the API docs.

Sponsor Bank & BaaS Orchestration

Accounts, balances and ledger sync against your sponsor bank or BaaS platform — with a second and third partner added later as configuration, not a rewrite.

Card Issuing & Programs

Debit, credit and prepaid programs orchestrated across processors, with authorization events, just-in-time funding and spend controls tied back to your ledger.

Payments & Instant Rails

ACH, wires, RTP and FedNow wired into your product and back office, with limits, retries, exception handling and settlement reporting built in.

Ledger & Reconciliation

Double-entry ledger sync and automated reconciliation against bank statements, processor files and FBO balances — so every number is provable, not asserted.

Onboarding, KYC & KYB

Identity, KYC/KYB, sanctions screening and risk-based routing across vendors, so onboarding decisions are consistent and every step is evidenced.

Fraud, BSA/AML & Monitoring

Transaction monitoring, case hand-offs and alert workflows connected across your fraud, AML and compliance tooling — with coverage your bank partner can inspect.

Open Finance & Data Aggregation

Account verification, balance and transaction data from aggregators normalised behind one endpoint — with caching and fallbacks when a provider degrades.

Resilience & Failover

Retries, idempotency, rate-limit shielding, alerting and provider failover — so a partner outage is an event you observe, not one your users report.

AI & Automation Governance

Where models touch onboarding, credit or fraud: validation records, drift monitoring and decision logs, so an AI answer is defensible to your partner and their regulator.

Embedded finance orchestration

Integrate once.
Route to anyone.

Three provider categories, one contract with your application. Swap or add a provider inside the fabric and your product code doesn't move.

Banking & BaaS

Accounts · FBO · ledger sync

Sponsor bank and BaaS connectivity for account opening, balances, statements and FBO structures — modelled so a second banking partner is additive rather than a migration.

Sponsor banks · BaaS platforms · core providers

Money movement

ACH · wires · RTP · FedNow · cards

Every rail your product needs, normalised into one send-and-settle model with per-rail limits, cut-off logic and reconciliation that closes the loop automatically.

Payment rails · card processors · issuers

Risk & identity

KYC · KYB · sanctions · AML

Verification and monitoring vendors behind one risk-based pipeline, with fallbacks when a provider is down and a decision record for every applicant.

Identity · KYB · screening · monitoring

Sandbox is easy.
Production is the work.

Any provider's sandbox returns a clean 200. Production means partial failures, duplicate webhooks, cut-off windows, disputes and reconciliation breaks — with real money on the wrong side of the ledger while you debug. That failure path is where we spend our time, and it's the difference between a demo and a program your bank partner keeps.

Proof

A fintech that outgrew
its own integrations

CASE STUDY

FEATURED CASE STUDY · FinTech

How Upstart & API People cut lending-partner onboarding by over 80%

CASE STUDY

An inside look at how Upstart, API People, and Workato built a scalable integration architecture across core banking systems — without pulling engineers off product work.

Onboarding time 3–6 months → ~4 weeks

API Integration Core Banking Financial Services FinTech FIS Fiserv iPaaS Jack Henry Symitar Partner Onboarding Workato

Read the case study

Trust & compliance

Built to pass your bank partner's diligence

In this market compliance is how you win partners, not paperwork you file afterwards. Every integration ships with the evidence a sponsor bank, an auditor or an acquirer will ask for.

SOC 2 & third-party risk

Control mapping, data-flow documentation and diligence questionnaire answers ready before the request arrives.

Encryption & access control

Customer and payment data protected in transit and at rest, with least-privilege access and key handling documented per flow.

Provable reconciliation

Every call, retry and failure logged and traceable, with ledger-to-bank reconciliation you can show on demand.

Model & decision governance

Validation, drift monitoring and decision logs wherever AI or automated rules touch a customer outcome.

Integration is either an accelerant or a tax.

Every hour spent nursing a brittle connection is an hour not spent on the product that wins customers. A governed layer turns integration from a recurring cost into the reason you move faster than the fintechs you compete with.

→ 01

Faster time to market

Launch products, partners and rails in weeks instead of quarters.

→ 02

Protected runway

Your engineers stay on what differentiates you, not on plumbing.

→ 03

Scale without rebuilds

The next bank, processor or rail is a configuration change.

→ 04

Partnerships that hold

Governance and evidence that keep your banking relationships stable.

Connector Marketplace

From first launch
to scaled platform.

A fintech's integration needs change fast, and nobody treats a pre-seed payments app like a Series C neobank. We plug in at the stage you're at and grow the layer with you.

AT LAUNCH

You needed to be live yesterday

One sponsor bank, one processor, a ledger — and no time to hand-build plumbing while you're still finding product-market fit. We stand up the first flow in production shape, with the compliance artifacts your partner will ask for.

Fixed-scope pilot · 4–8 weeks

AT SCALE

Volume is climbing, and so is the risk

Every manual reconciliation and brittle webhook is now something that breaks at 2am. We make the layer observable and resilient: idempotency, retries, alerting, automated reconciliation and a second banking path.

Hardening & managed run

AS YOU EXPAND

New products, partners, geographies

Each one used to mean another integration project. On a governed fabric, adding the next partner is configuration — and the governance story stays consistent across all of them.

Ongoing partner enablement

FAQ

Before you wire the next provider

Are you replacing our BaaS provider or sitting on top of it?

On top, in most cases. We're the orchestration and reconciliation layer between your product and whatever providers you use — including a BaaS platform. That's precisely what makes replacing or adding a provider later a scoped project instead of a rebuild.

We only have one sponsor bank today. Is multi-bank overkill?

You don't need a second bank on day one — you need a design that doesn't assume there will only ever be one. We model accounts, ledger and money movement so a second partner is additive. Given how quickly bank risk appetite has moved since 2023, that optionality is cheap insurance.

How long until something real is running?

Discovery takes one to two weeks. A contained pilot — one real flow in production shape, with reconciliation, monitoring and the compliance artifacts — typically runs four to eight weeks, depending on provider certification and your bank partner's diligence cycle.

Will this survive our sponsor bank's diligence?

That's the design target. Every integration ships with documented data flows, encryption in transit and at rest, access control, a complete audit trail and our SOC 2 evidence. Where models are involved, we add validation, drift monitoring and decision logging.

We're pre-Series A with four engineers. Are we too small?

No. We're a boutique team, which is why fixed-scope pilots work at your stage: you get senior integration people for the plumbing and keep your own engineers on the product. Nothing here requires an internal platform team to operate.

Do you also know the bank side of the relationship?

Yes — that's the unusual part. We integrate banks and credit unions to their cores, so we've seen these programs from the institution's side: what their risk committee objects to, what their examiners look for, and what makes a fintech partner easy to say yes to.