Modern FX solutions for financial institutions

Empower your institution to offer real-time FX trading, payments, and liquidity management — all in a unified, API-first and ISO 20022-ready platform built for speed, automation, and profitability. Whether you’re building a modern FX desk or embedding global capabilities across customer channels, Finzly makes it easy to go live quickly, stay compliant, and scale with confidence.

Build a revenue-generating FX business

Launch a complete FX platform that attracts business clients and delivers real-time performance and insight.

Trade, pay, manage — all in one place

Deliver a seamless experience for clients with a unified transaction banking platform that supports FX, trade finance, and global payments.

Key Platform Capabilities

• ISO 20022-native processing
• Integrated compliance & disclosures
• Streamlined reconciliation
• GAAP/IFRS-compliant accounting

Real-time insights & execution

Deliver a modern FX experience with intelligent tools, embedded data, and 24/7 access.

One platform, end-to-end

Simplify everything from pricing to settlement, across asset classes, customer types, and channels.

Designed for compliance

Built to meet evolving regulatory requirements — without adding manual overhead.

FAQs

• Product supports both MT and MX messages for ISO 20022 transition.
• Core-agnostic, cloud-based, integrates with core and 3rd party systems via APIs/adaptors.

Modern deposit solutions for modern financial institutions

Launch dynamic, real-time deposit products that attract digital-first customers, support fintech partners, and deepen relationships—all without core limitations. Design and launch tailored checking, savings, and multi-currency products for every customer segment. Offer instant payments, smart virtual account structures, and seamless fintech integrations.

Tailored deposit offerings

• Tailored deposit offerings
• Virtual and FBO accounts for fintechs
• Enterprise-ready account VAM structure
• Custom debit cards with smart controls
• Real-time payments and FX ready
• ISO 20022 & MT-Compliant Statements
• Advanced Deposit Dashboards

Create, customize, and scale deposit products with instant payment and fintech-ready features.

Create, customize, and scale deposit products with instant payment and fintech-ready features.

Easy integration into core system and products

Effortlessly integrate with core and 3rd party systems. Then, deliver a wide range of modern deposit products across multiple channels like wealth management and budgeting apps.

Trusted by banks building digital-first ecosystems

Finzly powers deposit innovation for institutions looking to serve Gen Z, fintechs, and enterprise clients with modern, API-driven account experiences.

Fintech-friendly architecture with built-in compliance

Launch secure, scalable FBO and virtual accounts to onboard fintech partners with speed—without compromising on compliance or operational integrity.

Proven flexibility for any customer segment

From families to enterprises, Finzly’s Deposits app supports modular, multi-currency virtual accounts with real-time payments for future-ready banking.

FAQs

• Deposits for checking, savings, and multi-currency with customization
• API-driven, can be offered to downstream partners
• Virtual account management (VAM) for corporates, POBO/COBO models
• Four-eyes principle for transaction approval
• Multi-asset accounts (e.g., fiat and loyalty points)

One platform for every payment. Infinite possibilities.

Power every payment rail—FedNow®, RTP®, Fedwire®, SWIFT, and ACH—from a single hub that’s composable, intelligent, and integration-ready. Built to modernize operations, scale with your growth, and deliver real-time value—without disrupting your core.

• Unified payment hub for banks
• Composable, API-first platform
• Modernizes operations and scales with growth

Composable by design. Built for transformation.

Whether you're augmenting legacy workflows or launching something brand new, our platform meets you where you are and scales with your goals.

• Composable architecture
• Adapts to legacy or new workflows
• Scales with business needs

Enterprise-grade security and control

Role-based access, user-level limits, and SSO support keep operations secure and compliant.

• Role-based access
• User-level limits
• Single sign-on (SSO) support

Unified command center for all payments

View and manage all rails in one console. Get real-time alerts, streamline reconciliation, and ensure compliance at scale.

• Unified console for all payment rails
• Real-time alerts
• Streamlined reconciliation
• Compliance at scale

Smarter orchestration with universal message support

Translate between legacy and modern formats (NACHA, ISO 20022, etc.) with automated pre-processing through intelligent message handling.

• Automatic message translation
• Supports ISO 20022, NACHA, SWIFT MT, and more

FAQs

Common questions and answers about Payment Galaxy.

• Unified, cloud-based payment hub
• Supports all major payment rails
• Automates compliance and supports real-time payments
• Integrates with any core system using APIs
• Composable, ISO 20022-native, and scalable

Modern business banking that flexes with your customer

Deliver tailored, award-winning business banking experiences that adapt to every customer segment. Our flexible, API-first platform integrates directly into your digital banking experience—giving your clients powerful tools without the complexity. Get FedNow and RTP instant payment capabilities out of the box—no waiting for your digital banking provider.

• Configurable, intelligent experiences for any business vertical
• Simplify account management, payments, and cash positioning
• Standalone or embedded into digital banking systems

Modernize the way your customers manage payments

Simplify banking with Digital Galaxy’s smart chatbot—send, receive, and request payments with easy commands.

• Smart chatbot for payment initiation

Differentiate with a Modern Request for Payment Experience

Offer a faster, more intuitive way to get paid—seamlessly integrated across all payment rails and embedded within your customers’ account workflows under one seamless interface.

• Modern Request for Payment experience
• Integrated across all payment rails

One experience for all rails

Let your business clients initiate, track, and reconcile payments across ACH, Fedwire, FedNow, RTP, and SWIFT—through one interface, and one experience.

• Unified payment initiation and reconciliation across all major rails

Serve global businesses with multicurrency accounts

Help clients manage balances, send FX payments, and automate conversions—without needing a third-party solution.

• Multicurrency account management
• Automated FX conversions

The B2B experience that drives revenue

From account control to automated payments and receivables—build loyalty and grow revenue with features businesses use.

• Account control
• Automated payments and receivables

Power Embedded Banking/BaaS from your own infrastructure

Launch BaaS and embedded banking solutions from your bank—no third parties, no intermediaries. Monetize your infrastructure, onboard fintechs /enterprises quickly, and stay in full control with Finzly’s Open API platform. Take command of BaaS delivery with a fully managed, core-independent platform that enables your bank to serve fintechs and enterprises directly. With APIs, for payments, virtual accounts, FX, customer onboarding, real-time ledger, and compliance-ready architecture, Finzly empowers you to embed banking at scale—securely, efficiently, and profitably.

Comprehensive suite of open APIs; Unified payments API across all rails; Smart payment orchestration; Real-time virtual accounts; Integrated virtual ledger; Developer-ready, white-labeled BaaS platform; FedNow-powered deposit accounts; Built-in regulatory compliance.

• Comprehensive suite of open APIs
• Unified payments API across all rails
• Smart payment orchestration
• Real-time virtual accounts
• Integrated virtual ledger
• Developer-ready, white-labeled BaaS platform
• FedNow-powered deposit accounts
• Built-in regulatory compliance

Comprehensive embedded banking core

Say goodbye to fragmented APIs, BaaS platforms and isolated legacy systems. Attract fintechs with APIs for payments, deposits, virtual accounts, foreign exchange, and advanced accounting.

Onboard in minutes, across any vertical

Accelerate integration for fintechs and enterprises in marketplaces, healthcare, real estate, and logistics with tailored onboarding, reporting, and control. All without a third-party BaaS in the middle.

Lead in API banking, monetize with greater control. With Finzly’s core-independent, real-time platform and open APIs, your bank can lead in API banking—scaling fast, launching new services, and generating revenue without a core overhaul. Cut cost and complexity. Eliminate reliance on third-party BaaS platforms. Control onboarding, processing, and compliance from your own unified infrastructure. Always audit-ready. Maintain 24/7 ledgers with full transparency and regulatory reporting to streamline audits, meet FDIC standards, and ensure operational accuracy.

• Lead in API banking—scaling fast, launching new services, and generating revenue without a core overhaul
• Eliminate reliance on third-party BaaS platforms
• Control onboarding, processing, and compliance from your own unified infrastructure
• Maintain 24/7 ledgers with full transparency and regulatory reporting
• Meet FDIC standards and ensure operational accuracy

Banking technology that delivers, now

Award-winning bank operating system to accelerate bank transformation to deliver faster, smarter and futureproof banking. Stay ahead with Finzly BankOS, a cloud-based money movement platform that eliminates core limitations, providing faster time to market with ready-to-launch apps for all payment rails and virtual accounts from an Appstore.

• Seamless integration
• Breakdown silos
• Take total control
• Embedded banking ready
• Real-time notifications
• Stay compliant
• Simplified real-time accounting
• Intelligence at the core

Always-on, monitored cloud banking with end-to-end security

Finzly BankOS is hosted in a secure, AWS cloud infrastructure that is SOC2 and ISO 27001 compliant. We have been battle‑tested for performance and scale.

• Secure AWS cloud hosting
• SOC2 and ISO 27001 compliance
• Battle-tested for performance and scale

Engineered to perform, battle-tested for the largest banks

Finzly’s award-winning Finzly BankOS platform, validated by AWS for large bank volumes, is now available on AWS Marketplace—allowing financial institutions to modernize their payment infrastructure at the click of a button.

• Validated by AWS for large bank volumes
• Available on AWS Marketplace

Intelligence Embedded in Every Transaction

Finzly AI brings intelligence to every corner of the Finzly platform through the Agentic Galaxy. By embedding AI and machine learning directly into payment workflows, it predicts friction, optimizes routing, and automates manual processes. The result: faster, more reliable payments, greater operational efficiency, and a smarter, data-driven foundation for the future of money movement.

• AI and machine learning embedded in payment workflows
• Predicts friction and optimizes routing
• Automates manual processes
• Faster, more reliable payments
• Greater operational efficiency

Why our customers choose Finzly

Finzly is the gold standard in banking transformation—trusted, awarded, and proven. Our award-winning platform empowers banks to modernize, innovate, and lead with confidence. With 20+ industry accolades in just two years, Finzly isn’t just driving change—we’re defining the future of banking.

• Trusted and proven platform
• 20+ industry accolades in two years
• Empowers banks to modernize and innovate