Finzly BankOS is a cloud‑native, API‑first banking platform designed to modernize financial institutions’ payment operations, deposit management, and digital banking capabilities. It supports all major payment rails, virtual account management, foreign exchange workflows, and real‑time financial processing. The platform functions as a parallel core, enabling banks to launch products quickly using pre‑built apps and modular components. Features include a unified payments hub, multi‑asset ledgers, automated onboarding, embedded banking readiness, regulatory compliance, security tooling, and comprehensive real‑time accounting. Finzly integrates with existing banking cores through APIs, offers cloud‑hosted infrastructure, and scales to handle high‑volume banking workloads.

Key Features

Unified Payment Infrastructure Supports all major domestic and international payment rails.

• ACH, Fedwire, RTP, FedNow, SWIFT
• Centralized payments hub for real‑time processing

API‑First Architecture Allows modular integration with existing systems.

• Plug‑and‑play banking apps
• Open APIs for payments, deposits, FX, and virtual accounts

Virtual Accounts & Multi‑Asset Ledger Manages digital accounts and multiple asset types.

• Real‑time ledger for foreign currency, crypto, rewards, and more
• Support for customized sub‑accounts

Embedded Banking Capabilities Enables banks to provide embedded financial services.

• White‑label sandbox for partners
• API‑connectivity for fintech integrations

Real‑Time Notifications & Automation Enhances operational efficiency and customer experience.

• Real‑time customer updates
• Automated onboarding across tenants

Security & Compliance Cloud infrastructure with strong security controls.

• SOC2 and ISO 27001 compliance
• Zero‑trust architecture, MFA, encrypted data

Benefits

Accelerated Product Launches Reduces time‑to‑market with ready‑to‑deploy banking apps.

• Faster integration cycles
• Minimal disruption to existing systems

Operational Efficiency Streamlines complex banking processes.

• Automated workflows
• Reduced manual intervention in payments and onboarding

Future‑Proof Technology Supports evolving banking standards and digital trends.

• ISO 20022‑native payments
• Scalable cloud infrastructure with high availability

Improved Customer Experience Provides real‑time, transparent financial services.

• Intelligent payment routing
• Embedded AI for friction detection and optimization