banking-infrastructure
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ModernFi and the $250,000 Problem
A bank can know its biggest depositor by name and still lose the account over an insurance limit. ModernFi built a network that lets local institutions keep the relationship while moving the money.
Conio's third key changed the Bitcoin conversation
A lost password once seemed like the natural price of owning Bitcoin. Conio built a wallet around a more human question: what if you could recover your keys without handing one company the power to move your money?
Visa paid $1 billion for the banking machinery you never see
Pismo gives banks the accounts, cards and payment processing beneath the app. Its Brazilian founders built a business around a stubborn problem: making old financial infrastructure easier to change.
BKN301 wants to fix banking without gutting the bank
The fintech that began in San Marino is selling banks a way to connect their old systems, put their data in order and bring AI inside. Its expansion runs through an unusually practical asset: other people’s infrastructure.
The quiet payment switch behind Latin America's loudest transactions
Banks see cards, wallets and ATMs. CLAI sees the brittle wiring between them - and has spent 35 years turning that wiring into a configurable payment operating system.
The Banks That Got Tired of Their Tech Vendor - So They Bought the Company
COCC runs the unglamorous machinery behind 175 community financial institutions. Its clever twist is structural: the customers own the vendor, sit on its board and help decide what gets built next.
Torpago Quit Chasing Ramp - and Turned the Banks Into Customers
Brent Jackson built a credible corporate-card challenger, then decided he was fighting in the wrong arena. Torpago's sharper bet is to give community banks the software, controls and operational muscle to run modern card programs under their own names.
Constantinople Wants to Be the Operating System Behind Your Bank
Most banking vendors sell one piece of the machine. Constantinople wants to run nearly all of it - so smaller banks and ambitious brands can spend less time assembling infrastructure and more time serving customers.
The VC Fund Whose Limited Partners Are Also Its Portfolio's First Customers
Most venture funds hand founders a check and a Rolodex. Canapi Ventures hands them roughly 70 banks that write the check and then become customers.
The Quiet Software Layer Rewiring How Banks Move Money
Finzly does not ask a bank to rip out its core. It slips in beside it, gathers a thicket of payment rails into one system, and turns years-long modernization into a sequence of smaller, safer moves.
Florin
Florin is a financial operating system for startups that brings banking, payments, cards, and treasury into a single account. Rather than reselling another bank's rails, the company is building the underlying infrastructure end to end, so money moves in real time on a single ledger it owns. Florin launched out of Y Combinator's Summer 2026 batch with an invite-only membership for venture-backed companies.
Clockout
Clockout is a fintech company that lets banks and credit unions offer earned wage access (EWA) directly inside their own mobile and online banking apps, so customers can tap a portion of their pay before payday without waiting on their employer. Founded in 2022 by childhood friends from Venezuela, Clockout started as a traditional EWA service for South Florida restaurant groups, then pivoted in 2024 to become the embedded infrastructure layer - often described as the 'Zelle for earned wage access.' The platform connects to more than 1,600 payroll systems and plugs into major core banking providers including Q2, Jack Henry, Alkami and Candescent, letting an institution launch EWA in roughly ten days. Clockout closed a $2 million seed round in June 2025.
Increase
Increase is a banking infrastructure company that gives technology companies a programmatic way to store, move, and reconcile money. Through a single set of APIs it exposes the core U.S. payment rails - ACH, wires, real-time payments, FedNow, checks, and cards - with direct network connections and transparent access to the underlying data. Founded in 2020 by Stripe's first employee Darragh Buckley and based in Bend, Oregon, Increase is self-funded, became profitable in 2025, and processes hundreds of billions of dollars in payments each year for fintechs like Ramp, Check, and Pipe.