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.
Nium is a San Francisco- and Singapore-headquartered cross-border payments company that lets banks, fintechs, and businesses move money across more than 220 markets via a single API. It runs one of the largest real-time payout networks in the world, supporting payouts in 100+ currencies and instant settlement in 100+ markets.