Finzly

Finzly provides banks with BankOS and tools for embedded banking, virtual accounts and processing across several payment rails. The company is a technology platform, headquartered in Charlotte, North Carolina, with India listed among its markets.

Services The listed services are embedded banking software, virtual accounts, multi-rail payments and a ledger. Named payment channels are ACH, FedNow, RTP and SWIFT, so a bank can use one platform for domestic instant, batch and cross-border flows.

Clients Published target segments are fintech companies, banks and other financial institutions, and businesses and enterprises. Belonging to a segment is not a guarantee of acceptance.

Position in the market Finzly is financial infrastructure rather than a bank. Its products should not be treated as bank deposits, and it should not be assumed to own every BIN used in programmes built on its software. The material does not give licences, currencies or pricing, so prospective clients should ask which entity signs the contract and how the platform is priced.