APIs for finance

Modern Treasury offers an API-driven platform that streamlines financial operations, enabling businesses to embed payment systems within their products. They provide automatic reconciliation, real-time financial data access, and faster payment processing. Their services are designed to enhance efficiency for finance and product teams by simplifying month-end close processes and offering an operating system for scalable payment solutions. Modern Treasury aids various sectors, including fintechs, marketplaces, financial services, and large enterprises, by providing compliance tools, fraud prevention, robust controls, and virtual account management to reinforce operational control and risk mitigation, all built upon an immutable ledger for trusted record-keeping.

Modern Treasury

API-driven payment operations platform for faster, automated financial workflows.

B2B payments

Payments processing

Ledger infrastructure

Plaid offers a platform that enables seamless connection between users' financial accounts and various fintech applications. It serves personal finance, lending, wealth management, payments, and digital banking sectors. Plaid prioritizes security while providing tools for fraud detection, compliance, and instant account linking through Plaid Link. Developers have access to Plaid's API network to quickly integrate financial services into their apps, connecting with over 12,000 institutions. The company supports financial management, streamlines lending, and powers investment apps, empowering users to manage money and developers to build innovative services. Plaid handles data with stringent security measures, enhancing user trust and app growth.

Plaid

Secure financial account connectivity for users and developers.

Identity verification

Financial account linking

Fraud prevention

Pinwheel offers a digital direct deposit switch solution for various income receivers including full-time employees, gig workers, and individuals receiving unemployment or SSI payments. Their service is aimed at financial institutions wanting to become the primary destination for their customers’ direct deposits. The solution provides automation, broad coverage, and a seamless user experience to increase loyalty and customer lifetime value (LTV). Pinwheel’s system supports easy integration, intelligent detection for various scenarios, and is adaptable across customer journey stages and channels. It aids financial entities in capturing more direct deposits efficiently while offering insights into customer behavior.

Pinwheel

Pinwheel provides direct deposit switching and income data insights APIs.

Embeddable products

TigerBeetle is a cutting-edge financial accounting database designed to provide unprecedented speed and reliability for digital payments and financial services. It boasts an advanced storage fault model, ensuring operation in face of hardware failures. With strict serializability, automated leader elections, and protocol-aware recovery, TigerBeetle ensures maximum uptime with no stale reads. Outperforming traditional in-memory databases, TigerBeetle facilitates replicated persistence and employs efficient I/O operations, significantly reducing cost and operational complexity. It supports seamless double-entry accounting, atomic multi-account transfers, and multi-tenant currency management, simplifying digital finance operations. TigerBeetle is set for a 2024 production release and is open-source.

TigerBeetle

High-performance financial accounting database with cutting-edge storage fault tolerance.

Teller provides a platform for mobile and web applications to instantly connect with thousands of financial institutions. It enables seamless bank account integration, allowing users to swiftly link their bank accounts to apps, verify ownership, ACH details, balances, and transactions effortlessly. Teller prides itself on the stability and reliability of its connections, reducing customer churn and support issues. It offers next-generation APIs, real-time data, and instant payments, with easy integration and comprehensive language support. With zero-code migration from other services and a pricing structure that caters to developers, small teams, and enterprises, Teller positions itself as a leading financial technology provider.

Teller

API for bank account integration, verification, and transaction services.

Flinks specializes in financial data infrastructure that facilitates open banking by connecting users' bank accounts, analyzing financial data, and aiding credit decisioning. They offer tools for financial services to integrate banking data connectivity, increasing conversion with reliable OAuth data capture. With offerings for KYC, transaction analysis, and statement uploads, they empower businesses to build custom open banking programs. Their network supports various financial sectors including lending, digital banking, payments, fintech, and wealth management. Partners like Wealthsimple, PayBright, Wise, NCR Financial, and EQ Bank use Flinks to enhance their user experiences and streamline financial processes.

Flinks

Financial data infrastructure to connect user bank accounts.

Alpaca provides a unified trading platform that includes a commission-free API, allowing automated stock and cryptocurrency trading. The platforms offer capabilities for algorithmic trading, app integration, and brokerage infrastructure. A member of FINRA and SIPC, Alpaca ensures up to $500,000 account protection. They cater to developers with SDKs in multiple programming languages. Alpaca is also preparing to launch an Options Trading API. Their services include local currency trading, crypto wallets, and advanced trading strategies like margin and short selling. Alpaca supports OAuth integration for secure API authorization and provides a testing environment to validate trading systems before live deployment.

Alpaca

Alpaca provides commission-free trading API for stocks and cryptocurrencies.

Argyle is a platform offering real-time access to user-permissioned income and employment data, enabling financial services to enhance their products. It automates verification tasks, reduces costs, and mitigates risks by ensuring data accuracy. The company serves a variety of industries including mortgage, banking, lending, gig economy, and background checks. They promise significant savings and higher conversion rates for businesses, as well as a commitment to consumer data privacy and security. Argyle integrates with existing systems to provide solutions such as income and employment verification, deposit switching, paycheck-linked lending, and earned wage access.

Argyle

Argyle provides real-time employment and income verification services for businesses.

Background checks

Airwallex is an international fintech platform providing businesses with a comprehensive suite of financial services. These include opening domestic and foreign currency accounts swiftly, processing high-speed international transfers at interbank rates, and automated bill payment workflows. Businesses can accept global payments, issue multi-currency cards, and optimize expense management. The platform offers powerful APIs for custom financial operations integration, helping businesses to accept multi-currency payments, manage currency risks, and create financial products. It enables platforms to collect and disburse funds worldwide, offering a one-stop solution for global financial management, aiming to facilitate growth without geographic limits.

Airwallex

Global financial services platform for businesses managing payments and accounts.

Banking-as-a-service

Corporate credit cards

Corporate banking

Expense management

April Filer is an IRS-authorized electronic filing provider that emphasizes a no-cost, no-upsell approach to tax filing. The startup supports taxpayers in filing various forms, such as W-2 for employees and Form 1099 for the self-employed, without extra charges. April caters to users with diverse tax scenarios, including education credits, retirement contributions, gambling winnings, and more. They also accommodate filers dealing with cryptocurrency, stock sales, unemployment benefits, and student loan considerations. April prides itself on its user-friendly, mobile-first platform and highly rated customer service, simplifying tax filing from home.

april

IRS-authorized e-filing service offering free, supportive, no-upsell tax filing.

APIs for taxes

Column Tax has built a modern tax platform with easy-to-use APIs, allowing seamless integration of tax products into existing apps and websites. They specialize in providing efficient, accurate, and transparent tax solutions with an accuracy and maximum refund guarantee. With bank-grade encryption and high compliance standards, Column Tax ensures data security. The platform supports banks, independent contractors, and financial platforms, aiming to enhance their services with tax filing options. The APIs are designed for quick integration, promising deployment within a week. Column Tax stands out as the first IRS authorized API-first tax filing service.

Column Tax

Startup offers tax-filing APIs with accuracy for seamless integrations.

APIs for finance

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