A Modern, Distributed Infrastructure Beyond Traditional Banking. Our vision is to empower any organization in the world to offer financial products to their customers and community.
As the only banking as a service solution built on GraphQL we enable faster and more flexible application development. Our proprietary virtual ledger powers a distributed financial architecture to further our vision to create ‘defi for traditional finance’ so we can offer the best financial products across multiple banks, data providers, card networks, and other ecosystem partners.
Productfy's banking backbone for accounts, balances, transactions and more. Our ledger enables fee-free virtual accounts with instant book transfers.
Built on one of the most flexible, developer-friendly frameworks with GraphQL, developed on a platform that is runtime performance for web and mobile applications.
Access all your data across our ecosystem our Finsight Profile repository for easy reporting.
Embeddable web UI widgets for application developers to test and deploy feature sets.
Access Sandbox ➝
Bank-level security with rigorous enforcement of compliance and diligence requirements down to the transaction level with PCI-certified security protocols.
We are experts with decades of experience scaling programs and keeping fraudsters at bay. We hire compliance and fraud experts from fintech, banking, and tech to ensure we've got your back. From Bank Secrecy Act (BSA) and anti-money laundering compliance (BSA/AML), to regulatory disclosures, agreements, fraud risk management, and marketing guidelines, our compliance programs and services are baked into our solution.
Launching financial products requires a keen approach to keeping out hackers and fraudsters while lowering onboarding friction for the right customers. Our partnership approach means integrated KYC combined with BSA/AML experts behind the scenes to calibrate, analyze, monitor checklists, and streamline service levels to ensure the right customers have a great experience (and the wrong ones never want to come back).
Monitoring for fraud starts on Day 1. In a world where cybercrimes are proliferating, companies cannot ‘fly under the radar’ and wait to implement risk controls at scale. We work closely with card networks, bank partners, and your team to ensure your program scales with adequate risk controls.
We’re on top of the latest regulations, updating terms of service, disclosures, consumer and commercial agreements, so you can focus on running your business. Banking is heavily regulated and many early stage fintechs and businesses in other verticals underestimate the amount of work needed to comply with banking regulations. Here's a list of just some of the federal consumer protection regulations our team covers for you: ECOA/Reg B; EFTA/Reg E; FCRA/Reg V; TILA/Reg Z; TISA/Reg DD; Reg CC; BSA; UDAAP/UDAP; OFAC Sanctions Programs; FDCPA/Reg F; Reg P; E-Sign.
User Interface Guides
We provide helpful guides to help you develop marketing and user interfaces within accepted regulatory frameworks.
Bank and Ecosystem Partners.
With banking as a service, good technology is the floor, not the ceiling. Our best in class ecosystem partners are fully integrated. Not all bank partners are created equal, and for this reason we do the heavy lifting on due diligence to find the right partner for the right solution with the right incentives aligned - to power an ecosystem that can change the way financial products are built...for good.
Let’s Build Something Amazing Together
Tell us about your company, product or use case.
We’re excited to explore a partnership with you!
Want to get something scheduled now?Click here to book a meeting