Astra is a San Francisco-based fintech that gives developers a single API to move money instantly between bank accounts and debit cards. Built on rails like Visa Direct, RTP, FedNow and ACH, its platform lets fintechs, banks and enterprises embed instant disbursements, account funding and accelerated transfers without building their own payments stack - going live in about 30 days instead of six months. Founded in 2016 by Gil Akos, Sam Morgan and Zach Nolan, Astra has processed more than $1 billion in lifetime payments and is backed by FPV Ventures, Nyca Partners and others.
Interchecks is a New York-based payments infrastructure company that moves money fast and safely for high-volume businesses. Through a single API and a no-code Payer Portal, it powers both funding (pay-by-bank deposits, account funding) and payouts (push-to-card, real-time payments, ACH, PayPal, Venmo, and checks), layered with built-in risk controls and 1099 tax compliance. Its platform is used across online gaming, prediction markets, on-demand payroll, and digital banking, and the company says it has processed more than $50B in transactions.
Lithic is a New York-based fintech that gives developers programmable card issuing and money-movement infrastructure. Born out of consumer brand Privacy.com, the company builds the API rails that let other companies create, manage and process virtual and physical payment cards with minimal code. Today it powers debit, credit and prepaid card programs for fintechs like Mercury and Coinstar, processing more than $1 billion in annual volume.
Ankit Kumar is a software engineer and technical leader at Modern Treasury, the San Francisco-based fintech building payment operations infrastructure for companies moving money at scale. With a Master's in Computer Science from Syracuse University, he built the foundations of Modern Treasury's full-stack Payments product - an integrated payment service provider (PSP) handling fiat and stablecoin payments across ACH, RTP, FedNow, and wire rails. Before payments, his career ranged from AR helmet prototypes for BMW's CES 2016 showcase to Android apps that earned the title 'The Ultimate Camera App' from the tech press.
PayNearMe runs PayXM, a payment experience management platform that lets non-commerce billers (lenders, iGaming operators, tolling agencies, property managers and credit unions) accept and disburse money across cash, cards, ACH, and every major mobile wallet from a single integration. Founded in 2009 in Santa Clara by serial entrepreneur Danny Shader, it started by digitizing cash at 7-Eleven and has grown into a platform processing payments for thousands of organizations including the State of California, Comcast and Santander.
Modern Treasury is a San Francisco software company that builds payment operations infrastructure for businesses moving money at scale. Its API-first platform connects directly to banks and unifies ACH, wire, RTP, FedNow, and stablecoin rails behind one developer-friendly interface, with a real-time ledger and automated reconciliation built in. Founded in 2018 by three engineers who lived through the pain firsthand at a mortgage marketplace, the company has powered hundreds of billions of dollars in payments for customers like Gusto, Marqeta, Navan, ClassPass, and Procore.
Matt Marcus is the Co-Founder and CEO of Modern Treasury, the San Francisco-based payment operations platform that processes hundreds of billions of dollars annually for companies like Gusto, Navan, and Procore. A Dartmouth computer science grad and former competitive rower, Marcus spent a year at LendingHome building the payment system that processed over $3 billion in mortgage loans - and that experience became the blueprint for Modern Treasury. He co-founded the company in 2018 with Sam Aarons and Dimitri Dadiomov, went through Y Combinator's Summer 2018 batch, and has raised $183M in total funding. In July 2025, he transitioned from CPO to CEO, steering Modern Treasury toward unified fiat and stablecoin payment rails following the acquisition of Beam.