AI Agent Runtime
Autonomous agents with policy gates and audit trails
Embedded Banking
Multi-rail payments and embedded banking rails
Ledger Systems
Double-entry ledger with mathematical invariants
Reconciliation
OCR ingestion and three-way match automation
Tax Orchestration
Multi-jurisdiction tax compliance and filing
Forecasting & Risk
Predictive cash flow and scenario simulation
NLQ Banking
Natural language queries over treasury data
Corporate Card
AI-enforced spending with real-time policies
Future of Finance
The next generation financial operating system
NEW
Financial Operating System
One unified platform for payments, treasury, spend intelligence, and quantitative investing.
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Startups & Venture
Replace 5-12 disconnected tools from day one
SMBs
One platform for payments, expenses, and growth
Enterprise
Treasury intelligence at institutional scale
Government
Treasury and economic intelligence for public sector
One operating system
Banking, ledger, tax, forecasting, and agents on a single substrate. From first close to institutional treasury.
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Embedded Banking

Banking infrastructure
embedded in your product

Connect your ledger to production payment rails through sponsor bank programs and card issuers. One API surface. Full regulatory coverage. Settlement certainty.

Multi-rail network

Route every payment through the optimal rail. Direct integrations with domestic and international clearing systems, with unified idempotency and trace propagation.

banking / rail / achNACHA · T+1 / Same-day
NetworkNACHA
SettlementT+1 / Same-day
Capacity$847B/mo capacity
Latency bandT+0 same-day

Origination, returns, and NOC handling through sponsor bank APIs with idempotent submission keys.

Sponsor bank programs

FBO accounts, compliance workflows, and rail access through established banking partners, without building charter infrastructure from scratch.

banking / sponsors / programs4 partners · production
PartnerRoleLicenseCapabilities
ColumnPrimary USD sponsorNational bank charterACH origination · Wire · FBO accounts · Ledger API
Treasury PrimeBanking-as-a-service orchestrationPartner bank networkMulti-bank routing · KYC/KYB · Account provisioning
IncreaseProgrammable accountsFDIC-insured partnerReal-time balances · Card funding · Interest-bearing FBO
UnitEmbedded accounts & cardsPartner bank programDeposit accounts · Payments · Compliance workflows

Card programs

Corporate and platform-embedded card issuing through partner programs, connected to the same ledger and policy engine that governs your payment rails.

  1. Corporate cards

    Virtual & physical corporate

    Field teams, vendor payments, subscription management

    Just-in-time funding · MCC controls · Token provisioning · Spend policies

  2. Platform cards

    Platform-embedded cards

    Marketplace payouts, gig economy, SaaS spend

    Authorization hooks · Real-time declines · Multi-currency · Connect splits

Intent. Route. Screen. Submit. Settle. Reconcile.