Alumni News

Finzly Unveils AI Assurance Layer Assure

Finzly Unveils AI Assurance Layer Assure
By David Penn Posted on
Categories: Alumni News, Finzly
  • Banking transformation company Finzly has launched its AI-powered security and assurance layer Assure.
  • Assure provides banks and other financial institutions using Finzly’s BankOS with AI-powered security, compliance monitoring, and operational resilience that is native to the infrastructure they rely on.
  • Headquartered in Charlotte, North Carolina, Finzly is a two-time Best of Show winner. The company most recently demonstrated its technology at FinovateSpring 2022.

The latest product launch from banking transformation company Finzly weaves security and continuous assurance natively into the infrastructure its banking customers rely on. Assure, Finzly’s newly released security and assurance layer, is part of the company’s Agentic Galaxy suite of AI capabilities, which powers BankOS, its modern operating system for banks. Financial institutions using BankOS will benefit from Assure’s AI-powered security, compliance monitoring, and operational resilience that is native to the infrastructure they are currently using.

“Banking is entering a new era where attacks happen at machine speed, requiring intelligence, innovation, and trust to evolve together,” Finzly CEO and Founder Booshan Rengachari said. “BankOS was created to help financial institutions continuously evolve, and never has that been more needed than with AI. We introduced Agentic Galaxy to transform banking operations with AI, and with Assure we are extending that intelligence into security and resilience, helping banks innovate faster while maintaining the trust their customers depend on.”

Finzly’s Assure will enable banks to detect and respond to fraud threats faster, leveraging AI to accelerate triage and investigation. The technology provides continuous monitoring of attack surface risks rather than relying on point-in-time reviews, and delivers security testing that covers both traditional and AI-enabled development. Assure also offers banks ongoing compliance evidence that is automatically collected instead of being compiled by hand.

The new offering comes at a time when AI-based fraud is transforming the threat environment for financial institutions. According to TrendAI’s Modern Bank Heists 2026 report, AI-powered attacks on banks and other financial institutions climbed by 89% year over year, while 67% of institutions reported that attackers were actively countering defenders during live incidents.

This underscores the value of continuous assurance. By giving banks evidence that critical controls are working as expected, AI-powered tools such as Assure can continuously monitor signals, identify anomalies, test controls, surface potential gaps, and expand the scope of security and compliance monitoring. Assure accomplishes this without the additional costs and manual efforts typically associated with these processes.

“As financial institutions embrace AI, security must evolve alongside innovation,” Finzly Chief Information Security Officer Supro Ghose said. “As AI security researcher Roman V. Yampolskiy has written, ‘our best hope to defend against AI-enabled hacking is by using AI.’ Assure represents our commitment to making security and intelligence foundational elements of BankOS, helping banks operate with greater confidence in an increasingly complex digital environment.”

Making its Finovate debut at FinovateFall 2019, Finzly is a two-time Best of Show winner, most recently demonstrating its technology at FinovateSpring 2022. At the conference, the company showed how to build and launch a new, modern, digital banking proposition in minutes using its bank operating system technology. Finzly’s BankOS is a modern operating system for banks that manages traditional and tokenized money and the movement of that money through ACH, wires, RTP, FedNow, SWIFT, and other payment rails via ISO 20022-native processing. Finzly offers banks a single platform with advanced payment processing and a unified ledger that enables them to modernize payments and launch new products and services. Headquartered in Charlotte, North Carolina, Finzly was founded in 2012.

Photo by Mahoney Fotos

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Cross Border Money Transfer Outfit Félix Raises $200 Million

Cross Border Money Transfer Outfit Félix Raises $200 Million
By David Penn Posted on
Categories: Alumni News, Félix, Funding
  • Cross-border money transfer and top-up firm Félix Pago (Félix) has raised $200 million in combined equity and debt funding.
  • The equity component, in the amount of $87 million, was led by Andreessen Horowitz. The General Catalyst Customer Value Fund provided a $113 million credit facility.
  • Félix will use the funding to scale its existing remittance business and to support the expansion of its product suite to include lending and savings. The Miami, Florida-based company made its Finovate debut at FinovateSpring 2025 in San Diego, California.

Cross-border money transfer startup Félix Pago has secured $200 million in Series C funding for its technology, which leverages WhatsApp to offer a conversational remittance experience for Latinos and Hispanics living in the US. The round consists of $87 million in equity funding led by Andreessen Horowitz (a16z) and a $113 million credit facility from the General Catalyst Customer Value Fund. The equity portion also featured participation from QED Investors, Castle Island Ventures, Switch Ventures, Contour Venture Partners, and Endeavor Catalyst.

The investment will help Félix scale its remittance and mobile top-up services, as well as add new team members in engineering and AI. The funds will also enable Félix to expand its offering into lending and savings via third-party solutions. Félix currently offers transfers from the US to 11 countries in Latin America including Mexico, Guatemala, Honduras, El Salvador, Nicaragua, Colombia, the Dominican Republic, Costa Rica, Brazil, Ecuador, and Peru. Reporting revenue growth of 2.5x over the previous year, Félix has processed more than $8 billion in transactions since inception and served more than six million customers.

“We started Félix with remittances because sending money home is one of the most important financial needs our community has,” Félix CEO and Co-Founder Manuel Godoy wrote on his LinkedIn page. “Since then, we have processed more than $8 billion in transactions and impacted over six million people. But remittances were always the beginning. Now, we are building Félix into a Cognitive Financial Companion: a financial experience that begins with what someone wants to accomplish, rather than with a product, a form, or another app.”

Operating without a physical branch network, Félix relies on a financial infrastructure layer supported by partners such as Stripe, Mastercard, Checkout, and dLocal, and enhances its cross-border capabilities through partnerships with USDC stablecoin issuer Circle, Latin American cryptocurrency exchange Bitso, UniTeller and zerohash. It is this constellation of partners that enables Félix to operate: the company uses a WhatsApp-based AI chatbot to manage transfers and leverages USDC on the Stellar blockchain for settlement. Bitso serves as the on/off ramp for getting funds into the hands of recipients.

Founded in 2021 and headquartered in Miami, Florida, Félix made its Finovate debut at FinovateSpring 2025. At the conference, the company demonstrated its Félix Send solution, which allows financial services firms to embed cross-border remittances into their apps with a simple integration. Félix Send enables users to initiate remittances via WhatsApp with a single tap: funds are debited through the partner platform and recipients receive their money in seconds. Félix Send helps financial services companies generate new revenue streams, boost engagement, and deliver greater value to their customers.

Photo by Sergio Arteaga on Unsplash

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Tyfone Acquires ATTUNE for Account Opening and Loan Origination Solutions 

Tyfone Acquires ATTUNE for Account Opening and Loan Origination Solutions 
By Julie Muhn (@julieschicktanz) Posted on
Categories: Alumni News, Daily news, Mergers & Acquisitions, Tyfone
  • Tyfone is acquiring ATTUNE to add consumer and business account opening, deposit funding, loan origination, and servicing capabilities to its digital banking platform.
  • The deal gives Tyfone a role earlier in the customer lifecycle, allowing it to support financial institutions from acquisition and onboarding through lending, payments, servicing, and ongoing digital banking.
  • The acquisition advances Tyfone’s evolution into a broader end-to-end banking technology provider, building on its history in mobile banking, payments, and multichannel digital banking.

Digital banking solutions company Tyfone is doubling down on its account opening and loan origination operations with the acquisition of New York-based ATTUNE.

Tyfone anticipates the acquisition will expand its platform with consumer and business account opening, deposit funding, loan origination, and servicing capabilities. Overall, the acquisition will allow the Oregon-based company to extend its digital experience from the first interaction through the entire, lifelong engagement. Additionally, Tyfone will use ATTUNE to help it build account opening and loan origination into its new lending platform.

“Community financial institutions have always differentiated themselves through trusted relationships, but today those relationships increasingly begin through digital channels,” said Tyfone CEO Siva Narendra. “This acquisition completes the digital financial relationship by bringing account opening, lending, payments, servicing, and AI-powered engagement together within a single platform. More importantly, it gives financial institutions the flexibility to compete digitally while preserving the personal relationships that have always been their greatest advantage.”

ATTUNE was founded in 2019 to offer end-to-end digital solutions for lending and home buying. The company’s Digital Origination Platform helps organize, manage, and process customers and financial products to help banks meet and stay ahead of their customers’ financial needs, and then intelligently provide logical product and service solutions. ATTUNE’s account opening and loan origination solutions are core and digital banking agnostic, which allows financial institutions to deploy them alongside their existing systems or integrate them with Tyfone’s nFinia Digital Banking Solution. 

“When we founded ATTUNE, our belief was simple,” said ATTUNE Founder and CEO AK Patel. “Community financial institutions shouldn’t have to stitch together multiple vendors to deliver a modern digital experience. The future of banking belongs to institutions that can acquire, onboard, lend to, and serve customers through one connected platform. Joining Tyfone accelerates that vision by bringing together digital account opening, lending, payments, servicing, digital banking, and AI into a single open ecosystem.”

Integrating ATTUNE’s expertise and technology into its own platform will bring Tyfone’s bank clients a unified experience that simplifies operations by eliminating fragmented point solutions in order to help banks build stronger customer relationships. With ATTUNE’s technology, banks will be able to originate consumer and business loans, accept payments through Quick Pay, offer payment flexibility with Skip-a-Pay, and manage collections with Collect.

The acquisition comes as community banks and credit unions increasingly look to consolidate their technology stacks, replacing fragmented point solutions with platforms that can support more of the customer lifecycle. Adding ATTUNE will evolve Tyfone beyond its roots in digital banking by giving it a role at the very beginning of the customer relationship. Instead of first engaging with a customer after an account has already been opened or a loan originated, Tyfone can now support the relationship from acquisition and onboarding through lending, payments, servicing, and ongoing digital banking.

“Together, we’re helping community financial institutions compete on experience instead of size, deepen customer relationships, and innovate faster while preserving the personal service that has always been their greatest competitive advantage,” added Patel.

Tyfone is one of the earlier Finovate alums, having demoed at the first Finovate event to take place in San Francisco at FinovateSpring 2008. At the show, Tyfone Co-Founder Siva Narendra demoed a memory card for a mobile phone that facilitated contactless payments. The company, which used to focus on mobile-only solutions, began developing for multiple channels in 2014. A decade later, in 2024, Tyfone launched its Payfinia brand to provide instant payment solutions to both financial institutions and third-party organizations.

Interestingly, Tyfone has evolved from mobile payments to multichannel banking to instant payments to lending and digital banking. This week’s acquisition of ATTUNE marks another step in this progression, making Tyfone more of an end-to-end banking technology platform and less of a digital banking interface provider.

Photo by Christina Morillo

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SettleMint Integrates Ripple Custody into Digital Asset Lifecycle Platform

SettleMint Integrates Ripple Custody into Digital Asset Lifecycle Platform
By Julie Muhn (@julieschicktanz) Posted on
Categories: Alumni News, Daily news, Ripple
  • SettleMint has partnered with Ripple to integrate Ripple Custody into its Digital Asset Lifecycle Platform (DALP), bringing custody, issuance, compliance, settlement, and servicing together on one platform.
  • The partnership expands Ripple’s institutional digital asset footprint while strengthening SettleMint’s ability to offer financial institutions an end-to-end platform for managing tokenized assets.
  • The tie-up reflects tokenization’s shift from experimentation to implementation, as banks increasingly need integrated infrastructure to move digital asset initiatives into production.

Digital asset lifecycle management company SettleMint has entered a strategic partnership with blockchain solutions company Ripple to help banks custody, issue, and manage tokenized assets.

SettleMint will integrate Ripple Custody, Ripple’s institutional-grade digital asset custody infrastructure, with its own Digital Asset Lifecycle Platform (DALP), a composable digital asset lifecycle platform built for financial institutions, market infrastructure operators, and sovereign entities. DALP brings issuance, compliance, custody, settlement, and servicing onto a single platform, allowing financial institutions to manage the full lifecycle of a digital asset without relying on multiple vendors or separate systems to move from pilot to production. SettleMint’s DALP is currently used by financial institutions across North America, Europe, the Middle East, and Asia Pacific.

Ripple launched its digital asset custody infrastructure in 2024 and has since expanded its capabilities via new partnerships with Securosys and Figment, an integration with Chainalysis, and its acquisition of Palisade in November of 2025. Bringing Ripple’s custody solution into SettleMint’s DALP platform will allow institutions to hold and manage digital assets in a regulated, compliant way using a single vendor for custody, issuance, compliance, and servicing.

“Global capital markets are moving fully on-chain, and that shift only works when digital asset custody and lifecycle management operate as one system rather than two,” said SettleMint CEO Adam Popat. “Combining Ripple Custody and DALP gives institutions that single foundation, and this partnership lets us bring it to regulated markets globally.”

The offering is now live in Asia and will be available in other geographies as demand develops.

“Financial institutions across Asia Pacific are putting digital assets to work,” said Ripple Managing Director of Asia Pacific Fiona Murray. “They are asking how to do more without stitching together separate solutions for custody, issuance, and governance. This partnership gives them the foundation to roll out digital assets and future-proof them from there: Ripple Custody to hold and govern the asset, and SettleMint to manage its entire lifecycle.”

Founded under the name OpenCoin in 2012, Ripple debuted at FinovateSpring the following year. The company provides blockchain-based solutions across traditional and digital finance. Its solutions span global payments, custody, liquidity, prime brokerage, and treasury management tools for banks, fintechs, payment service providers, and crypto businesses.

The partnership extends the reach of Ripple’s custody infrastructure by embedding it within a broader digital asset management platform. For SettleMint, adding Ripple Custody strengthens DALP’s ability to serve as a single access point for institutions looking to issue and manage tokenized assets.

Just as we’re seeing with stablecoins, tokenization is moving from experimentation to implementation. As banks move tokenized assets into production, custody alone is not enough. Participating institutions will also need to add infrastructure for issuance, compliance, settlement, and ongoing asset management. Integrating these functions eliminates the need for institutions to stitch together multiple providers, making it easier for banks to move forward with digital asset initiatives.

Photo by Dash Cryptocurrency

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Fideo Intelligence Launches Fraud Fighting Solution Fideo Lens

Fideo Intelligence Launches Fraud Fighting Solution Fideo Lens
By David Penn Posted on
Categories: Alumni News, Fideo Intelligence
  • Fraud prevention and identity verification company Fideo Intelligence has launched its investigative intelligence platform Fideo Lens.
  • Fideo Lens enables fraud and financial crime teams to discover hidden relationships between identities, accounts, devices, and behaviors at a time when fraud attacks increasingly involve multiple connected entities and organizations.
  • Headquartered in Denver, Colorado, Fideo Intelligence made its Finovate debut at FinovateFall 2025 in New York.

Financial crime prevention specialist Fideo Intelligence has unveiled its investigative intelligence platform Fideo Lens. The new offering helps fraud and financial crime teams uncover hidden relationships between identities, accounts, devices, and behaviors, enabling them to better address the increasingly coordinated nature of fraud attacks.

Starting with a single identity signal, fraud investigators can use Fideo Lens to visualize and connect data associated with that identity and convert fragmented identity data into interactive investigative intelligence within minutes, reducing the time spent on manual searches across multiple systems. Fideo Lens gathers relevant entities, people, devices, identifiers, behaviors, and activity into one interface, making it easier to spot potential connections between individual signals. This accelerates the fraud investigation process while enabling teams to make more confident decisions.

“Fraud and financial crime rarely exist as isolated events anymore; they play out across networks of connected identities, devices, and organizations,” Fideo Intelligence CEO Chris Harrison said. “Most investigators still have to piece those relationships together manually. Fideo Lens helps investigative, fraud, and financial crime teams uncover hidden connections in minutes, so they can move faster on critical cases and disrupt financial crime networks to prevent losses or additional risk.”

Search-based fraud investigations can fail to identify the relationships within the coordinated network of aliases, shared devices, and interconnected accounts that increasingly underpin modern fraud and financial crime. As a result, fraud investigators have had to spend significant time piecing together fragmented data from multiple, disconnected systems in order to see the entire network. In contrast, Fideo Lens gives teams interactive relationship mapping, broad identity intelligence, faster entity resolution, stronger network analysis, explainable findings, and continuously refreshed intelligence to help investigators spot emerging relationships and changing risk patterns.

“Analysts and investigators should not have to spend most of their time jumping between disconnected systems,” Harrison added. “Fideo Lens turns fragmented identity data into a clear view of the people, accounts, and devices involved, helping teams investigate cases faster and improve fraud and recovery outcomes.”

Fideo Intelligence made its Finovate debut at FinovateFall 2025 in New York. At the conference, the Denver, Colorado-based company demonstrated Fideo Verify, its AI-powered identity verification and fraud prevention platform for banks, credit unions, fintechs, and financial platforms. Fideo Verify combines multiple identity verification strategies, such as synthetic ID detection, device analysis, and breach exposure, into a single API. Powered by Fideo Intelligence’s Identity Fraud Intelligence Network, Fideo Verify streamlines risk decisions, lowers operational costs, and continuously learns by analyzing dynamic data.

Founded in 2024, Fideo Intelligence screens more than 95 billion transactions a year. The firm is backed by Baird Capital, Blue Note Ventures, and Foundry Group.

FinovateFall 2026 will showcase more than 70 innovative fintech companies. Join us September 9–11 at New York’s Marriott Marquis Times Square for three days of cutting-edge fintech demos, expert insights, and high-impact networking.

Photo by MINEIA MARTINS

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Bluefin Teams with Visa for In-Person Payment Acceptance

Bluefin Teams with Visa for In-Person Payment Acceptance
By Julie Muhn (@julieschicktanz) Posted on
Categories: Alumni News, Alumni profile, Bluefin, Daily news, VISA

Digital payments and data security company Bluefin announced it has partnered with Visa on a new card-present acceptance tool. The new offering combines Bluefin’s PCI-validated point-to-point encryption (P2PE) solution with Visa Acceptance Solutions to bring increased security to in-person payment acceptance.

The in-store payment acceptance tool offers merchants, software providers, and enterprises a unified approach to accepting payments by combining payment acceptance, PCI-validated security, tokenization, device lifecycle management, and enterprise payment infrastructure into a single solution. Bluefin will power the P2PE piece, while Visa’s Visa Acceptance Solutions is taking on the payment processing, tokenization, and global payment services elements.

“Enterprise organizations are no longer looking for individual payment technologies—they’re looking for infrastructure that enables secure commerce across every channel,” said Bluefin Founder and Chief Strategy Officer Ruston Miles. “Our collaboration with Visa Acceptance Solutions reflects a shared vision that secure payment acceptance should be delivered as an integrated platform rather than a collection of independent components.”

Bluefin was founded in 2007 to bring security to payments by developing technology to devalue sensitive data at the point of entry. Since then, the company has expanded to focus on broader data security infrastructure that protects sensitive data in motion across systems, platforms, and environments. Combining P2PE, vaultless tokenization, and orchestration powers Bluefin’s new model for securing transactions.

The new tool will bring Bluefin clients simplified deployment, centralized device management, developer APIs and SDKs, and reduced PCI compliance scope. While Bluefin is launching the payment acceptance tool with select Ingenico Lane series devices, the tool is capable of expanding to additional ecosystems.

“By combining Visa Acceptance Solutions with Bluefin’s card-present security infrastructure, we’re helping organizations simplify deployment, reduce complexity, and build a stronger foundation for the future of enterprise commerce,” added Miles.

Teaming up with Visa helps Bluefin consolidate traditional, fragmented technology stacks. Rather than separately integrating payment acceptance, processing, encryption, tokenization, and device management, it offers merchants the option to access those capabilities through a unified platform. This raises the bar from offering an individual piece of the payments stack to helping businesses abstract the complexity of managing payments across channels.

Bluefin works with more than 300 partners and 40,000 businesses and protects more than $350 billion in transactions annually. The Atlanta, Georgia-based company showcased its payment technology at FinDEVr 2014 under the name Bluefin Payment Systems.

Photo by cedric george

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Scalable Capital Enables Agentic Investing, Opening Platform to ChatGPT, Claude, and Grok

Scalable Capital Enables Agentic Investing, Opening Platform to ChatGPT, Claude, and Grok
By David Penn Posted on
Categories: Alumni News, Scalable Capital
  • German digital banking and investment company Scalable Capital has opened its platform to major AI assistants including OpenAI, Claude, and Grok.
  • Clients of Scalable Capital will be able to connect their accounts to their preferred AI assistant via this new Agentic Investing capability, and have the assistants conduct a range of operations from developing savings plans to executing trades.
  • Founded in 2014, Scalable Capital made its Finovate debut at FinovateEurope 2016 in London.

If you didn’t get enough German fintech news with last week’s edition of Finovate Global, then we’ve got another story for you!

Munich-based digital banking and investment firm Scalable Capital has opened its platform to major AI assistants, including OpenAI’s ChatGPT, Anthropic’s Claude, and X’s Grok. Announced this week, the new Agentic Investing capability can be activated in clients’ profile settings, allowing them to connect their account to their AI assistant of choice.

“Agentic investing represents the greatest technological shift in financial technology since internet banking,” Scalable Capital Founder and Co-CEO Erik Podzuweit said. “By opening our platform, we are setting the benchmark for how humans, AI, and the capital markets interact.”

Clients will have access to all key features of Agentic Investing from day one: trading, establishing savings plans, managing watchlists, and creating price alerts. Agentic Investing offers native search for stocks, ETFs, and derivatives like options—with news, real-time quotes, and historical price data available free of charge. Clients will also be able to take advantage of Scalable Insights, which enables human investors and AI assistants alike to conduct in-depth portfolio analysis, including diversification health checks, scenario analyses, sector and regional breakdowns, and risk assessments.

Agentic Investing enables clients to manage a wide range of actions using simple, natural language prompts. From creating personalized newsletters and monitoring model portfolios to developing savings plans, managing trade orders, and building custom tools like interactive dashboards, the new offering delivers enhanced personalization and efficiency.

The new capability is the latest iteration of Scalable Capital’s AI ecosystem. In August of last year, the company unveiled Insights, an AI-powered chatbot that responds to financial queries and provides real-time analysis directly through the Scalable Capital app. The company noted that it will continue expanding Agentic Investing and integrating AI across more areas of its platform to support clients as they build their wealth. To facilitate integration, Scalable Capital provides both a Command Line Interface (CLI) and a Model Context Protocol (MCP) server. The CLI application can be installed directly on a user’s device. MCP is a standard originally developed by Anthropic that is now supported by major AI assistants to connect with external providers.

Founded in 2014 and headquartered in Munich, Germany, Scalable Capital made its Finovate debut at FinovateEurope 2016. The firm offers individuals accounts that enable them to save and borrow, as well as invest in stocks, ETFs, cryptocurrencies, funds, and more. The company’s digital wealth management business creates and manages globally diversified ETF portfolios for clients.

Photo by Lander Lai

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LendAPI Partners with EDGE to Integrate Cashflow Intelligence

LendAPI Partners with EDGE to Integrate Cashflow Intelligence
By David Penn Posted on
Categories: Alumni News, LendAPI
  • Loan origination and management platform LendAPI has partnered with cashflow bureau EDGE.
  • The partnership will enable LendAPI to help lenders integrate cashflow intelligence into their lending workflows, giving them access to EDGE consumer reports, scores, and risk attributes.
  • Founded in 2024, LendAPI won Best of Show in its Finovate debut at FinovateFall 2025 in New York.

Loan origination and management platform LendAPI has teamed up with cashflow bureau EDGE. The partnership will enable lenders to access EDGE consumer reports, cashflow scores, and risk attributes directly within LendAPI’s decisioning and servicing workflows.

EDGE aggregates bank account and transaction data, transforming it into explainable, machine-learning-derived scores and attributes for lending and rental screening. LendAPI is used by credit unions, community banks, and consumer and embedded finance lenders to configure products, automate decisioning, originate loans, and manage portfolios from a unified lending platform. The partnership will make EDGE cashflow bureau intelligence available to LendAPI customers. EDGE consumer reports, cashflow-derived scores, and risk attributes will be accessible inside LendAPI’s Rules Studio and Model Studio. This data will also be available to inform post-origination servicing via LendAPI’s loan management system, Embarc.

Access to EDGE will enable lenders using LendAPI to incorporate cashflow intelligence into the workflows where credit decisions are made and managed. One use case, which also underscores the ability of EDGE to reach creditworthy, underserved borrowers, is conducting thin-file income and ability-to-pay assessments on unsecured personal installment products such as Buy Now, Pay Later and debt consolidation loans. EDGE enables lenders to build cashflow-informed policies such as these and test them in a sandbox environment before putting them into production.

“Our customers do not want another data contract to administer,” LendAPI Co-Founder and CEO Timothy Li said. “EDGE scores and attributes are now configurable in Model Studio and Rules Studio, so a lender can stand up a cashflow-informed credit policy in an afternoon, validate it against their own portfolio, and carry those insights through to servicing in Embarc.”

LendAPI’s partnership with EDGE comes as the cashflow bureau unveils an expanded suite of scores, including an Account Health Score, a Liquidity Stability Score, and an Early Payment Default (EPD) score. The Account Health Score gives lenders a current view of a borrower’s financial health. The Liquidity Stability Score evaluates near-term repayment capacity for products such as cash advance and earned wage access. The EPD Score assesses the risk of early default for installment and other longer-duration credit. The newly expanded suite is built on EDGE’s growing data lake of bank transaction and loan performance data from its network of participating lenders.

The partnership will also make EDGE’s bank aggregation solution, EdgeConnect, available through the LendAPI platform to give lenders a single path from account data to cashflow bureau intelligence inside a unified lending ecosystem. EDGE joins nearly 30 data and infrastructure providers available via the LendAPI partner catalog.

“EDGE was built to help lenders act on cashflow data, not just access it,” EDGE Founder and CEO Brian Reshefsky said. “Our partnership with LendAPI gives lenders a direct path to use EDGE consumer reports, scores, and attributes inside the systems where lending teams already work. That is how cashflow intelligence moves from standalone analysis to improved decision-making across the lending lifecycle.”

Chicago, Illinois-based EDGE offers a predictive intelligence platform that uses alternative data for consumer risk scoring and predictive behavioral mapping. The company’s data lake combines consumer-permissioned bank transaction data with loan performance at scale to deliver predictive risk analytics and modeling attributes curated for immediate action in underwriting decisions. Founded in 2021, the company helps lenders boost conversions of consumers who are often overlooked when traditional risk assessments are used.

Founded in 2024 and headquartered in Irvine, California, LendAPI won Best of Show in its Finovate debut at FinovateFall 2025. At the conference, the company demonstrated how its all-in-one platform enables lenders to launch a variety of financial products in minutes with full underwriting, model implementation, and third-party data integration.

Photo by Tierra Mallorca on Unsplash

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APL FCU Teams Up with Spiral for Personalized Savings and Charitable Giving

APL FCU Teams Up with Spiral for Personalized Savings and Charitable Giving
By David Penn Posted on
Categories: Alumni News, Spiral
  • APL Federal Credit Union has teamed up with digital banking engagement firm Spiral to give its members new, seamless ways to save and donate to their favorite charitable causes.
  • The credit union, which uses the Alkami Digital Banking Platform, will embed Spiral’s Roundup Center and Giving Center, innovations demoed last year at FinovateFall 2025 in New York.
  • Spiral’s partnership with APL FCU comes just a few weeks after the fintech announced a similar partnership with California-based Foothill Credit Union.

APL Federal Credit Union, a Maryland-based credit union, has partnered with Spiral to give its members new ways to save for their financial goals through everyday purchases while seamlessly supporting local and national charities.

“Credit unions have a unique opportunity to drive deposits and primary relationships by helping people make financial progress every day,” Spiral Founder and CEO Shawn Melamed said. “APL FCU is showing how digital banking can help members save more, give back to the causes they care about, and strengthen the communities they serve.”

APL FCU will embed Spiral’s Roundup Center into the Alkami Digital Banking Platform it uses, enabling members to automatically round up debit card purchases and direct the spare change toward their savings goals or their favorite charitable causes. The credit union will also deploy Spiral’s Giving Center, which allows members to seamlessly donate to their preferred charities directly from their digital accounts. The Giving Center also lets members create a portfolio of favorite charities, track the impact of their charitable gifts, and receive a report on their donations for tax purposes.

“Helping our members achieve financial success has always gone hand in hand with supporting our local communities,” APL FCU Chief Strategy & Growth Officer Kevin Marvel said. “With Spiral, members can automatically grow their savings and support the causes they care about through everyday banking, making saving and giving a natural part of their daily lives.”

Serving individuals and families who live, work, attend school, or conduct business in Howard County, Maryland, APL FCU was founded in 1954 by eight employees of The Johns Hopkins University Applied Physics Laboratory. The institution was a pioneer in online banking, launching the service in 1996, and secured its community charter in 2000, enabling APL FCU to offer memberships to individuals other than APL employees. Today, the financial institution has more than 31,000 members and total assets of $700+ million.

Founded in 2019 and headquartered in New York, Spiral made its Finovate debut at FinovateFall 2025. At the conference, the company demonstrated how its Savings Center and Giving Center for banks and credit unions help financial institutions grow deposits, increase engagement, and boost loans. Savings Center leverages personalization, gamification, and automation to help account holders build better financial habits and reach their financial goals. Giving Center enables account holders to manage their charitable giving and easily donate to both local and national charities.

Spiral’s partnership announcement with APL FCU comes just days after the New York-based fintech reported that Foothill Credit Union, a Southern California-based financial institution, will also embed Spiral’s Roundup Center and Giving Center into its digital banking platform. With $660+ million in total assets and approximately 29,300 members, Foothill Credit Union serves employees of specific school districts, hospitals, government municipalities, and Select Employer Groups (SEGs) across the San Gabriel Valley, as well as immediate family members of eligible employees.

Photo by Hannah Busing on Unsplash

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Oxford Bank Partners with Swaystack to Drive Customer Engagement

Oxford Bank Partners with Swaystack to Drive Customer Engagement
By David Penn Posted on
Categories: Alumni News, Swaystack
  • Onboarding and engagement specialist Swaystack has partnered with Oxford Bank of Michigan and Cascade Federal Credit Union of Washington State.
  • Oxford Bank and Cascade FCU will both use Swaystack’s gamified onboarding and engagement solution to enhance and streamline onboarding, account funding, direct deposit switching, and more.
  • Headquartered in Miami, Florida, Swaystack made its Finovate debut at FinovateFall 2026.

Customer onboarding and engagement specialist Swaystack has teamed up with Oxford Bank, the oldest commercial bank in Oakland County, Michigan. Swaystack will bring its gamified onboarding and engagement solution to the bank’s customers within Jack Henry’s Banno digital banking platform, helping customers fund accounts, switch direct deposits, and transfer subscriptions from the first login.

“We’ve always believed that earning a customer’s trust means showing up at every step of their financial life,” Oxford Bank Chief Operating Officer Nancy Rosentrater said. “With Swaystack, we can now do that digitally—walking customers through funding their account, switching their direct deposit, moving their subscriptions—helping them grow with us through new products and referrals. It’s a complete ecosystem that turns a new account into a primary relationship.”

The partnership between Swaystack and Oxford Bank comes as the trend of banking consumers maintaining relationships with multiple financial institutions has accelerated significantly in recent years. A report from J.D. Power noted that in the third quarter of 2025, 52% of newly opened checking accounts were additional accounts rather than replacement accounts. This puts significant pressure on banks, credit unions, and digital banking providers. As consumers continue to divide their financial activity across institutions, the ability of any individual institution to earn customers’ savings deposits, direct deposits, and trust is tested. Unfortunately, as Swaystack CEO and Co-Founder Har Rai Khalsa explained, the traditional solutions to this challenge have often failed to work for many community banks and credit unions.

“Most banks chasing this problem end up buying four or five different tools and spend(ing) years trying to make them work together,” Khalsa said. “We built Swaystack so that community banks like Oxford Bank only need one platform. Everything from the first deposit to the next product moves as a single connected journey, each step setting up the one that follows. For Oxford, that means real growth from customers they already have. We are giving a bank that has earned trust for over a century a modern way to deliver it, while maintaining what makes people trust them in the first place.”

Founded in 2024 and headquartered in Miami, Florida, Swaystack made its Finovate debut at FinovateFall 2025 in New York. At the conference, the company’s CEO and founder demonstrated Swaystack’s gamified onboarding platform, which enables banks and credit unions to boost engagement with experiences that activate primacy, reduce dormancy, and transform new accounts into lasting relationships.

Swaystack’s partnership with Oxford Bank comes a month after the fintech announced a similar partnership with Washington-based Cascade Federal Credit Union. As with Oxford Bank, Cascade FCU will pair Swaystack’s onboarding technology with the Banno digital banking platform.

“We have always known our strongest growth comes from the members we already serve, but personalizing that outreach at scale was something our team could not do by hand,” Cascade FCU VP of Marketing Ashley Smart said. “Swaystack enables us to guide every member through these first decisions, and it turns the referral instinct we have rewarded for years into something that happens naturally as part of the experience.”

Cascade FCU was founded in 1952, and has more than 10,900 members. The credit union was initially chartered to serve workers of the Great Northern Railway and today is the financial home for more than 100 employer groups throughout Washington State and has $370+ million in assets. Headquartered in Kent, the member-owned, not-for-profit institution offers checking, savings, money market, certificates of deposit, IRAs, and youth savings accounts, as well as a full range of lending options, including auto, home, personal, and student loans, and credit cards.

Interested in companies developing innovative new solutions for credit unions and their members? Check out our latest look at the Credit Union Spotlight, coming to FinovateFall 2026 next month in New York!

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Zeplyn Launches Agentic Account-Opening Workflow in Partnership with Schwab

Zeplyn Launches Agentic Account-Opening Workflow in Partnership with Schwab
By David Penn Posted on
Categories: Alumni News, Zeplyn
  • AI-powered operating system for wealth management Zeplyn announced a new integration with Schwab Advisor Center to automate account opening and meeting preparation workflows.
  • The integration follows the company’s launch of a new platform capability, Advisor Coaching, that gives wealth management advisors actionable feedback on their client interactions.
  • Headquartered in New York and founded in 2023, Zeplyn made its Finovate debut at FinovateFall 2025.

Zeplyn, an AI operating system for wealth management, announced a new integration with Schwab Advisor Center that expands the reach of Zeplyn Agent Nexus into two key workflows for wealth managers: account opening and meeting preparation. The integration enables advisors to open Schwab Advisor Services accounts in seconds, leveraging AI agents to automatically complete Schwab’s digital account-opening workflows while incorporating live Schwab holdings and transactions into Zeplyn’s AI-powered client briefs.

“Schwab Advisor Center is one of the most important platforms in wealth management, and we’re excited to bring the power of Zeplyn Agent Nexus into that ecosystem,” Zeplyn Co-founder and CEO Era Jain said. “This integration is a step toward a new way of working. By combining Schwab data with the intelligence firms already have, we’re enabling AI to complete work that has traditionally remained manual, giving advisors more time to focus on their clients.”

In a statement, Zeplyn noted that account opening and meeting preparation are two of the most time-consuming workflows in wealth management. Advisors are often required to source meeting notes, CRM records, documents, planning software, and custodian platforms to gather the information they need before they can act. In contrast, Zeplyn’s new integration eliminates many of these manual steps. Advisors can direct Zeplyn’s agents to open a Schwab account, gather client data across meetings, emails, CRM records, and documents, initiate the digital account open workflow, automatically complete all relevant data fields, and deliver a finished draft for human review and submission. Early pilots of the integration revealed that Not-In-Good-Order (NIGO) submissions were reduced by approximately 80%.

The integration also boosts Zeplyn’s AI-powered meeting preparation capabilities by incorporating live Schwab holdings and transactions into already-assembled client intelligence. This means that advisors can secure a complete, up-to-date view of every client’s holdings without having to collect the data manually across multiple systems and platforms. Here, early pilots revealed that advisors saved more than 12 hours a week with AI-powered meeting prep.

Zeplyn’s integration with Schwab comes less than a month after the company announced the launch of its Advisor Coaching capability. Advisor Coaching automatically evaluates, scores, and delivers actionable feedback on every client and prospect meeting an advisor has. The goal of the solution is to help wealth management teams deliver a consistent, quality experience for every client. The technology rates each client meeting against the company’s success criteria and provides contextual advice and suggestions to help advisors better serve their clients. As part of the Advisor Coaching capability, firm managers can use Ask Zeplyn to access company-wide performance reports to identify patterns that might be otherwise difficult or time-consuming to find.

“Wealth management firms have always known that consistent advisor performance drives client trust and retention, but they’ve never had a scalable way to measure it,” Jain said. “Advisor Coaching gives firm leaders the same level of visibility into client conversations that top sales organizations have had into their pipelines for years: objective, firm-wide, and available on demand. For an enterprise with hundreds of advisors, that’s the difference between hoping standards are being met and knowing they are.”

Founded in 2023 and headquartered in New York, Zeplyn made its Finovate debut at FinovateFall 2025. At the conference, the company demonstrated its Zeplyn Meeting Assistant: a compliant and secure agentic AI technology that captures client interactions via video, in-person, and telephone, accurately converting them into structured data in real time. Zeplyn Meeting Assistant also automates data entry into CRMs and powers other operations such as auto-drafting personalized emails, summarizing data into client recaps, and surfacing client and advisory trends and insights.

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AltaOne FCU Launches Veep Software’s AnyTimePay Solution

AltaOne FCU Launches Veep Software’s AnyTimePay Solution
By David Penn Posted on
Categories: Alumni News, Veep Software
  • Earned wage access platform provider Veep Software announced that AltaOne Federal Credit Union has launched its AnyTimePay offering. AnyTimePay provides employees with access to earned wages before their scheduled payday.
  • The product launch comes at the same time that AltaOne Federal Credit Union announced a strategic investment in the Florida-based fintech.
  • Veep Software was founded in 2019. The company made its Finovate debut at FinovateFall 2025 in New York.

Veep Software announced that AltaOne Federal Credit Union has gone live with Veep’s AnyTimePay offering, an earned wage access solution that gives members access to their earned wages before their scheduled payday. AltaOne FCU’s launch of AnyTimePay comes at the same time that the California-based financial institution announced a strategic investment in Veep. The amount of the investment was not disclosed.

Veep’s AnyTimePay platform is the company’s composable infrastructure layer for AI-driven, risk-aligned pay access. Built to support institutional deployment, governance, and scale, AnyTimePay combines structured controls, monitoring, and configurable deployment options to enable credit unions and other institutions to deliver modern earned wage access securely and responsibly. AnyTimePay uses AI to analyze member behavior and assess risk to help prevent over-advancement while encouraging responsible use of the service. AnyTimePay helps members enhance their financial security, improve money management, increase engagement with their credit union, and reduce the temptation to resort to high-cost, payday lending alternatives.

“AltaOne is exactly the kind of forward-thinking financial institution we built AnyTimePay for,” Veep CEO Drew Hyatt said. “They understand that the future of financial wellness is not just about offering more products. It is about showing up at the right moment, when members need access to liquidity and support. Their commitment to improving member financial well-being, combined with their decision to invest in Veep, is a powerful endorsement of both our technology and our mission.”

Veep notes that earned wage access is only a starting point for users of the platform. The platform architecture supports the integration of additional financial capabilities through its modular infrastructure, shared governance and policy frameworks, and reusable AI-driven decisioning.

“At AltaOne, we are always looking for innovative ways to strengthen the financial well-being of our members,” AltaOne CEO Stephanie Sievers said. “Too often, financial stress is not about whether someone is responsible; it is about whether the timing of their income matches the timing of their obligations. A bill may be due today, while a paycheck arrives several days later. AnyTimePay helps members bridge that gap responsibly by giving them access to wages they have already earned. We believe this solution can reduce financial stress and help our members avoid costly alternatives.”

AltaOne FCU is headquartered in Ridgecrest, California, a community located in the high desert of Southern California, directly adjacent to the Naval Air Weapons Station China Lake. The financial institution was founded in 1947 as the NOTS Employees Federal Credit Union and today serves members in Kern, Inyo, Mono, and northern San Bernardino counties. AltaOne FCU has 58,000+ members and assets of more than $950 million.

Headquartered in Miami, Florida, and founded in 2019, Veep Software made its Finovate debut last year at FinovateFall 2025 in New York. At the conference, the company showed how its AI-driven, risk and wellness scoring platform assesses customer financial health and risk and enables real-time access to earned wages. The technology can be embedded directly into digital banking platforms to help community banks and credit unions boost deposit growth and enhance financial wellness for their customers and members.

Interested in companies developing innovative new solutions for credit unions and their members? Check out our latest look at the Credit Union Spotlight, coming to FinovateFall 2026 next month in New York!

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