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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.
Astra
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
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.
Modern Treasury
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.