# Fintiv

> Fintiv is an Austin-based fintech infrastructure company that builds patented, white-label digital wallet ecosystems for telcos, banks and brands. Formerly known as Mozido, it pioneered the Trusted Services Manager (TSM) system for NFC tap-and-pay and says it has deployed wallet ecosystems across more than 35 countries. Today it positions its stack as a bridge from Web2 payments to Web3, adding digital-asset tokenization, real-time clearing and cross-border rails alongside its long-held mobile-wallet patent portfolio.

- **Founded:** 2008
- **Headquarters:** Austin, Texas, United States
- **Founders:** David Hanna (Chairman & Co-founder), Michael (Mike) R. Love (CEO (joined founding team 2012))
- **Team size:** ~10 (current Fintiv entity per LinkedIn/Apollo); Mozido era was substantially larger
- **Products:** Digital Wallet & P2P Payments, Merchant Payment Acceptance, Loyalty & Rewards Management (StickyStreet), Card Issuance & Management, Digital Asset Tokenization
- **Notable:** Credited as the inventor of the Trusted Services Manager (TSM) system for NFC tap-and-pay., Raised $185M Series B in 2014 - then the top-funded private mobile-payments company., Says it deployed wallet ecosystems in 35+ countries reaching 1.5B+ subscribers.

## Products & services

- **Digital Wallet & P2P Payments** — White-label infrastructure for secure, real-time peer-to-peer transfers across domestic and international markets, supporting both fiat and digital currencies.
- **Merchant Payment Acceptance** — Lets merchants accept payments from fiat to crypto across in-store and digital channels, with transaction routing and multi-currency settlement.
- **Loyalty & Rewards Management (StickyStreet)** — Customizable loyalty programs with points accrual, redemptions and cross-brand rewards to lift customer lifetime value.
- **Card Issuance & Management** — Physical and virtual card programs with account creation, ledgering and real-time transaction management for disbursements and embedded finance.
- **Digital Asset Tokenization** — Tokenization of real-world and digital assets with 1:1-backed equity tokens, real-time settlement and liquidity via integrated Automated Market Makers.
- **Realtime Clearinghouse (rCH)** — Connects digital-currency ecosystems to traditional banking with cash-in and fiat on-ramps through Visa, Mastercard and ACH.
- **Stored Value Accounting (SVA)** — Proprietary closed-loop wallet ecosystems for fund loading, P2P transactions and merchant purchases.
- **Omni Wallet Ledger (OWL)** — Patented omni-wallet ledgering that manages fiat, loyalty points, crypto and tokenized assets in a unified interface.
- **Trusted Services Manager (TSM)** — The NFC tap-and-pay provisioning system Fintiv says it invented, licensed to major telcos for secure over-the-air wallet and card provisioning.
- **Fundz digital wallet platform** — Consumer-facing white-label wallet platform created within Fintiv's product organization.

## Achievements

- Credited as the inventor of the Trusted Services Manager (TSM) system for NFC tap-and-pay.
- Raised $185M Series B in 2014 - then the top-funded private mobile-payments company.
- Says it deployed wallet ecosystems in 35+ countries reaching 1.5B+ subscribers.
- Holds a mobile-wallet patent portfolio it has asserted against Apple and PayPal.
- Rebranded from Mozido to Fintiv and repositioned around Web3 and tokenization.

## Latest updates

- **2025-08** — Apple publicly pushed back on Fintiv's continued patent litigation over Apple Pay and Apple Wallet.
- **2025-04** — Cloud Payments and ParlerPay announced a collaboration to power payments on the Optio blockchain.
- **2024-04** — Fintiv partnered with Block Time Financial to tokenize digital assets.
- **2023-03** — Cloud Payments partnered with Ibanera to enhance Web3 mobile payments.
- **2023-02** — Fintiv and Geoswift partnered on digital remittances into Asia.

## Links

- Website: https://fintiv.global
- LinkedIn: https://www.linkedin.com/company/fintiv

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Profile page: https://yespress.io/fintiv
Published by YesPress — https://yespress.io
Last updated: 2026-07-21