Banking for the
businesses that
banks won't touch.
If your business has been de-banked, shut out, or told no — we are building for you. Fintech Bank is a purpose-built banking partner for money service businesses, fintechs, and payment companies that need real, reliable access to the US financial system on their own terms.
Global fintechs are
locked out of the
US financial system.
Every payment company, money transmitter, and non-bank financial services provider faces the same wall. Sponsor banks reprice or walk away. EU providers restrict accounts to EU residents. US providers restrict to US end-users. There is no reliable infrastructure for a globally distributed customer base — until now.
Sponsor bank dependency
Traditional sponsor banks serve fintechs as a secondary priority. When risk appetite shifts, your customers pay the price. There is no stability in borrowed infrastructure.
Geographic fragmentation
EU middleware is EU-only. US providers restrict accounts to US residents. No single provider issues USD accounts to a globally dispersed customer base under a regulated framework.
MSBs are de-banked by default
Pawn brokers, money transmitters, check cashers, ATM operators — all lawful, all regulated, all systematically abandoned by mainstream banking. The market is enormous and the supply is near zero.
Compliance complexity kills deals
Most banks lack the BSA/AML infrastructure and MSB expertise to serve high-risk segments safely. We are built from the ground up to do exactly that.
The full stack of
US banking infrastructure
Fintech Bank gives you direct, stable access to the US financial system — without depending on a sponsor bank that can walk away. We are the infrastructure layer your business needs to operate, grow, and serve your customers reliably.
Federal Reserve Settlement
Direct access to Federal Reserve settlement. No intermediary, no counterparty risk, no one else's queue. Real-time gross settlement for your customers' transactions.
Global USD Account Issuance
Issue real USD accounts to customers anywhere in the world. No geographic restriction. No "US residents only." One charter, global reach.
ACH · Fedwire · SWIFT
Full access to the US payment rails stack. Domestic ACH and wire, real-time Fedwire settlement, and international SWIFT connectivity — all under one roof.
API-First Architecture
You run your customer experience — your UI, your brand, your flow. We issue the accounts, hold the regulatory obligations, and keep the infrastructure running. Plug in via API and go.
Compliance Built In
BSA/AML, KYC, and OFAC screening engineered into the platform from day one. Our team has direct experience running compliance at regulated financial institutions. We do the hard work so you can focus on your customers.
A Partner Regulators Welcome
We are built around community reinvestment and financial inclusion. That means our regulatory relationships are strong — and that strength extends to the businesses we bank. We are the partner that opens doors.
Built for the
businesses banks
won't touch
We don't compete with traditional banks. We serve the segments they abandoned. Our platform is purpose-built for regulated financial businesses that have been systematically de-banked by an industry that didn't want to do the work.
Fintech Companies
Digital banks, neobanks, payment platforms, and financial apps that need US banking infrastructure without the instability of a sponsor bank relationship that can end with 90 days notice.
Money Transmitters
Remittance operators and money transmitters handling cross-border flows who need a committed banking partner — not a relationship that evaporates the moment compliance pressure increases.
Money Service Businesses
Check cashers, pawn operators, ATM operators, precious metals dealers, and marketplace lenders. You are regulated. You are lawful. You deserve a reliable banking partner.
Global Platforms
International companies building financial products for US dollar account holders. If your customers need USD accounts, domestic or overseas, our banking infrastructure is your foundation layer.
Simple by design.
Powerful by infrastructure.
We qualify you
Tell us about your business, your customers, and your volume. Our compliance team — with direct regulatory experience — runs a thorough onboarding review. We move fast, and we commit for the long term.
We integrate your platform
Connect via our API. You run your customer experience — your UI, your brand, your flow. Fintech Bank issues the accounts and manages all regulatory obligations in the background.
Your customers go live
Real USD accounts, ACH, Fedwire, and SWIFT for your global customer base. No geographic restriction. No sponsor bank instability. A banking infrastructure partner that is here to stay.
Experienced hands.
Purpose-built platform.
We are not a matchmaker connecting you to someone else's bank. We are building our own — and we are led by people who have run regulated financial institutions, managed BSA/AML programmes, and built banking technology from the ground up.
Banking and Legal Expertise
Our leadership has operated as AML officers, general counsel, and senior executives at regulated US financial institutions. We understand the obligations because we have lived them.
Banking Technology at Scale
Our technology team has built and deployed core banking systems, payment rails, and digital banking platforms across multiple geographies. We build infrastructure, not wrappers.
Institutional Banking Experience
Our board and advisors have founded, governed, and led multiple regulated financial institutions. We know what it takes to run a bank safely and grow it with a clear head.
Institutional Capital Markets Support
We are backed by an institutional broker-dealer with deep community bank transaction experience — giving us the financial and market credibility to execute and scale.
If banks keep saying
no — we're saying
yes.
We are building the bank that money service businesses, fintechs, and payment companies have been waiting for. Tell us about your business — the conversation starts here.