V-Sum One

Nivelo profile

Eli Polanco

Nivelo presents real-time ACH risk detection for payroll processors, ACH originators, and third-party senders. Instead of waiting the usual four-to-five-day ACH settlement window to find out a payment has failed, Nivelo's single API scores each debit and credit at the moment of origination — sub-second — combining identity, account, device, and behavioral signals into a machine-learned expected-loss score. The demo walks through a payroll processor flow (think ADP or Gusto) catching impersonation fraud at origination, triggering a real-time phone verification with the employee, and then exposing full score explainability in Nivelo's developer dashboard so ops teams can tune against false positives without a black-box model. Because Nivelo plugs in before the ACH batch file is built, it can act on richer payload data — payer/payee relationship, portal behavior, last account change — that the ACH network itself never sees.

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Moov profile

Wade Arnold & Graham McBain

Wade Arnold (ex-Banno, Billgo) and Graham McBain present Moov — a thousand-strong open-source community that has shipped 37 low-level libraries covering the protocols that quietly move money through the US financial system: ACH, wires, image cash letter, Metro 2, IRS FIRE, ISO 20022, and ISO 8583. Wade walks through why none of this was open source before, how the libraries have been battle-tested against the full transaction volumes of Bank of America, PayPal, Square, and Visa, and why the community model beats every fintech writing its own parser from scratch (e.g., Square unifying seven different ACH implementations onto Moov). Graham then demos the Moov ACH library as a Docker image — curl a JSON payload in, get a NACHA-compliant ACH file back — and a WebAssembly-powered in-browser ACH parser that converts ACH to JSON without any data leaving your machine.

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Modern Treasury profile

Matt Marcus

Matt Marcus, co-founder of Modern Treasury, walks through the Modern Treasury payment operations platform and demos real-time payments (RTP) over The Clearing House's rails. Modern Treasury is a third-party service provider that deliberately stays out of the flow of funds — one API and dashboard connecting into roughly a dozen corporate banks from JPMorgan Chase and Wells Fargo down to niche partners, across ACH, wires, EFT in Canada, Bacs in the UK, and proprietary formats like Silvergate's SEN. The demo races a $1 RTP payment to Matt's Chase and Bank of America accounts via the Payment Orders API, walks through the Postman call (amounts in cents, JPMorgan Chase as the originating bank, credit-only, $100k cap, no returns, synchronous success or failure), and closes with the Modern Treasury "dollar demo," where every viewer can pay themselves a real $1 over RTP if their bank supports receiving it.

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