Lynx is a modern fintech platform providing programmatic APIs and white-label solutions for embedding healthcare financial services into digital health, benefits, and wellness platforms. The system enables organizations to integrate consumer-directed health (CDH) accounts such as HSAs and FSAs, advanced payment processing, e-commerce for eligible healthcare products, and investment options directly into their own user interfaces. Lynx’s APIs allow for seamless integration of banking, card issuance, payment controls, and investment management, eliminating the need for multiple vendors or disjointed user experiences. The platform supports instant card issuance (physical or virtual) with granular spend controls, multi-account management, and embedded e-commerce for FSA/HSA-eligible products. Additionally, Lynx offers integrated RIA and broker-dealer capabilities for investment management, including curated lineups and robo-advisor support. The solution is designed for flexibility, scalability, and compliance, enabling partners to own the customer experience while streamlining healthcare financial operations.

Key Features

Programmatic APIs for Healthcare Finance APIs to embed financial services into digital health platforms.

• Integrate banking, payments, investments, and e-commerce
• White-label digital experience or full API integration

Consumer-Directed Health (CDH) Account Management Support for HSAs, FSAs, and other health benefit accounts.

• Unified management of multiple account types
• Eliminate single sign-ons and redirects

Advanced Payment Processing & Card Issuance Instant issuance of physical or virtual cards with spend controls.

• Restrict spending by merchant, category, or SKU
• Multi-account and multi-benefit card support

Embedded E-commerce Integrated marketplace for FSA/HSA-eligible products.

• Access thousands of qualified medical products
• Launch new revenue streams via healthcare product sales

Investment Management Integration RIA and broker-dealer capabilities for embedded investments.

• Curated investment lineups and robo-advisor support
• Broadened broker experience for end users

Benefits

Streamlined User Experience Unified financial and healthcare experience within a single platform.

• Reduces friction and improves engagement
• Eliminates need for multiple logins or platforms

Operational Efficiency Single integration for multiple financial and healthcare services.

• Reduces vendor management complexity
• Simplifies compliance and reporting

Revenue Generation Enables new business models and monetization opportunities.

• E-commerce for eligible products
• Investment management and card-based benefits

Scalability and Flexibility Supports a wide range of health and wellness programs.

• Easily adapts to new benefit types or regulatory changes
• White-label or fully embedded options