Banking

US software that needs accounts and wallets inside the product without a charter.

Nota bank, and not a PayFac.

US software platforms that need partner-bank deposit accounts, a ledger, and ACH, wire, and book-transfer rails through one API, with a direct bank relationship.

NotTeams that need production API keys without a signed partner-bank agreement and bank due diligence, or that want Treasury Prime to hold the charter.

Software platforms that want partner-bank financial accounts and money movement inside the product for their business users.

NotConsumer wallets, or any platform that needs a self-serve live start without a Stripe sales conversation.

Fintechs and software platforms that need partner-bank deposit accounts or digital wallets, debit or credit card programs, and ACH, wire, internal-transfer, and instant payment rails through one API and console.

NotTeams that need a published platform rate card, a self-serve live start with no sales or bank onboarding, or a company that holds the deposit charter itself.

Fintechs and software platforms that need FDIC-insured accounts at the bank that owns the charter, with ACH, FedWire, book transfers, realtime rails, international wires, ledger, and optional card or national lending programs through Column's APIs.

NotTeams that need a published platform rate card, a self-serve live start with no compliance or bank diligence path, or a consumer retail bank brand as the product page.

Software platforms and fintechs that need partner-bank accounts (including FBO constructs), ACH with FedACH control, wires, realtime rails, checks, push-to-card, and Visa card issuing on the same account stack through one API and dashboard.

NotTeams that need a consumer retail bank brand as the product page, or a production start with no identity, bank, or Program diligence when moving customer funds.

Software platforms and fintechs that need payment accounts with a unified ledger, ACH, wires, RTP or FedNow, push-to-card, checks, and stablecoin on- and off-ramps, either on Modern Treasury's managed PSP or by connecting their own bank accounts through the same API.

NotTeams that need a published per-rail dollar rate card, a consumer retail bank brand as the product page, or live customer money with no KYB, Order, or bank-partner diligence.

Fintechs and software platforms that need FDIC-insured deposit structures at the bank that holds the charter, with ACH, wires, instant payments, internal transfers, optional cards, and lending programs through Lead's Partner Platform APIs and hybrid file surfaces.

NotTeams that need a published platform rate card, a self-serve sandbox or live start with no bank kickoff, or a Personal or Business retail banking brand as the product page.

Fintechs and software platforms that need FDIC-insured deposit accounts at the bank that holds the charter, with ACH, wires, RTP, FedNow, and related rails, plus optional debit, credit, or prepaid card programs through Cross River's COS APIs.

NotTeams that need a published platform rate card, a fully self-serve live start with no bank diligence, or a consumer retail branch bank brand as the product page.