Payments
19 technical briefings from 18 companies building payments infrastructure.
Shamir Kharkel
Shamir Karkal, co-founder of Sila and previously Simple and BBVA\'s API platforms, demos the Sila money API — a developer-first platform built around three primitives (users, wallets, transactions) that lets any builder onboard users, run KYC, link bank accounts, and move ACH. The demo app at demo.silamoney.com onboards both individuals and businesses via unique alphanumeric handles; KYC runs asynchronously through Socure/LexisNexis (3–15 seconds typical) with document-upload fallback for IDs or formation docs. Every user gets one wallet by default but can own many (one-to-many), enabling segregated-account patterns. Sila supports three ways to link bank accounts: raw routing+account entry, your own Plaid integration via processor tokens, or Sila\'s managed Plaid instance (Plaid sandbox user_good/pass_good). Same-day ACH pulls $1,234 into the wallet in roughly five minutes in sandbox — deliberately slow so developers don\'t build code expecting real-time settlement. Wallet-to-wallet transfers settle on Sila\'s ledger in seconds; external redeems push ACH out to any linked bank account.
Ansible Labs co-founder Dan demos Beam, the team's crypto-to-cash off-ramp, at V-Sum Nineteen. The briefing covers wallet-connect onboarding, blockchain risk screening (TRM Labs / Chainalysis / Elliptic) on both the enrolled wallet and the source-of-funds address, Persona KYC, and a unique 1:1 smart-contract Beam address tied to a user + bank-account pair. A live production $15 off-ramp lands in a Bank of America account via RTP in minutes, with ACH, RTP, and push-to-card (Visa Direct / Mastercard Send) on the payout roadmap.
Alvaro Morales
Alvaro, co-founder and CEO of Orb, demos Orb — billing and invoicing built for the hybrid usage-based pricing models common in fintech, cloud infrastructure, and developer platforms. Orb\'s primitive is the event: API calls, sessions, or any product action, ingested via direct API push or warehouse sync from Snowflake/Redshift/S3 with a name and a payload of tags and values. From events, operators define metrics — simple filters and aggregations (count of API calls at a balance endpoint) or full custom SQL for more sophisticated MAU or dimensional cases. Plans compose any number of fixed fees (e.g. a $100k annual platform-access fee) and usage-based fees (flat rate per call, tiered volume discounts, dimensional pricing tagged into event properties), with out-of-the-box support for minimums, discounts, trials, and "phases" that stage fee schedules over a customer\'s onboarding ramp. The payoff: billing becomes a real-time process instead of a month-end batch — live next-invoice previews, transparent customer invoices tied to underlying usage, webhook alerts on cost/usage thresholds (upsell banners, CSM alerts, Zapier/Slack), and a Salesforce integration that syncs usage into opportunity pages for sales reps experimenting with consumption-based pricing.
Geoff Greenberg
Nium is a B2B money-movement platform supporting 190 currencies and moving into crypto rails including Stellar, Polygon, Ethereum mainnet, the Lightning Network, and Bitcoin. The demo focuses on Nium\'s Stellar integration for stablecoin (USDC) payouts. Login uses Stellar\'s sign-a-secret flow (challenge → wallet signature → JWT) so there are no usernames or passwords. Nium creates a second participant on Stellar testnet, validates the destination routing number (the same validation used for fiat rails), and sends $0.20 USDC — recording the transaction on Nium\'s side, broadcasting to Stellar, and reflecting the debited balance in seconds. The product positioning: Nium is the pipes connecting fiat and digital-asset rails, giving people more control over what/when/how/where their money moves.
Omri Mor
Routable is a B2B payments platform — a successor to the painful experience of building B2B payment infrastructure in-house at marketplaces, where a thousand to a million payouts per month have to move alongside tax-document management, ERP logging, and appease finance, ops, and engineering simultaneously. This briefing demos an international payout to a Canadian delivery driver with Routable co-querying NetSuite in the same flow, attaches files and FX conversion to the transaction, exposes Routable's approval rules, and walks through the magic-link payee experience (branded in the payer's name, no signup required). Closing demos cover bank-error recovery, retroactive payment-method updates on pending payables, the Object Field Mapping UI developers use to align with NetSuite/QuickBooks object IDs, and RTP-enabled domestic payouts.
Koji Murase
Koji, PM at Modern Treasury, walks through Modern Treasury Ledgers — a managed double-entry ledger API for fintechs like Revolut and Marqeta, marketplaces like ClassPass and Outdoorsy, and anyone building money-movement apps. The demo builds out "BillFold," a sample digital wallet, and walks through the patterns Modern Treasury has seen in production: custom ISO currencies (including USDC with a six-digit exponent for stablecoin-native apps), pending-vs-posted states for in-flight payments, immutable pending transactions with full audit trails, combined payment-plus-ledger API calls, and optimistic locking for just-in-time card funding flows alongside card issuers like Lithic and Marqeta. The closing pattern — purely in-ledger transactions between user accounts — makes user-to-user transfers essentially instant without ever touching an external rail.
Victor Faramond
MoonPay is the on-ramp that lets anyone with a crypto wallet top up in a couple of clicks — or, increasingly, buy an NFT with a credit card without ever touching crypto. The demo opens with the common workflow (found an NFT on OpenSea, not enough ETH on Polygon to buy it), walks through a $30 ETH-on-Polygon top-up with 3D Secure via a UK banking app, and tours buy.moonpay.com — MoonPay supports 100+ cryptocurrencies, 40+ fiat currencies, SEPA across Europe and the UK, and a limited US ACH rollout. For developers, MoonPay ships a configurable widget (iframe or URL) with pre-fillable currency, amount, wallet address, email, language, and brand colors, plus an API key per partner. The closing demo buys an NFT on OpenSea with the MoonPay iframe filter enabled — one saved-card click, 3D Secure, and the NFT is minted to the buyer's wallet with no bridging or gas-fee juggling required.
Clément Salaün
Clément of Numary demos Numary\'s open-source ledger and Numscript — a DSL purpose-built to model the hidden money-flow complexity of marketplaces and platforms (where customer payments, commission splits, and seller payouts quickly become an operational mess). The demo clones a DoorDash-style marketplace in Numscript: a "world" account injects funds, a coupon account funds a $15k FALL21 marketing campaign with a $10-per-redemption metadata value, an order\'s payment account pulls first from the user\'s wallet and falls back to world, and a single atomic Numscript splits the order payment four ways — 85% to the restaurant, a delivery amount to the rider, platform fees, and VAT-applicable taxes. Each step produces a transaction with clean source/destination postings in the Numary ledger, which the fintech later reconciles against Stripe, Wise, or their payment provider of record. The closing rider payout demonstrates the reconciliation handoff between Numary\'s internal ledger and the external payment system — the Numscript repo is open-sourced on GitHub at github.com/numary.
Gil Akos & Sam Morgan
Gil Akos, co-founder and CEO of Astra, demos the Astra automation platform for money movement. Astra\'s thesis: ACH and AFP are fragile and archaic, but below the surface lies an iceberg of origination risk, returns, and entitlements that blocks fintechs from shipping money movement quickly. Astra wraps this complexity in a four-step integration: create a UserIntent, walk the user through a single OAuth 2.0 authorization screen (terms, SMS code, optional account linking, redirect), link bank accounts (managed Plaid, bring-your-own processor tokens, or manual account+routing), and create Routines — rule-driven automations like "when destination balance drops below $100, move $500 in." Routines run in the background, firing transfers automatically. The closing architecture segment contrasts origination (fintech → sponsor bank → one-way ACH debit) with Astra\'s orchestration model (fintech → Astra → debit source + credit sponsor bank) for higher settlement fidelity and faster speed, with the goal of enabling fintechs to eliminate origination risk and capture more recurring inbound deposits (typically ~$1,200 per user per month).
Rui Gomes & Julie Landrum
OpenNode is a Bitcoin infrastructure provider focused on Bitcoin payments and payouts. The thesis: Bitcoin is the internet-native currency — global, decentralized, borderless, low-cost, and instantly final via the Lightning Network — and that makes it a better rail for online payments than legacy schemes. OpenNode powers Bitcoin payments for McDonald's El Salvador locations, Substack creator subscriptions, and Bitcoin-native companies like Fold. The demo walks through the OpenNode merchant dashboard (on-chain vs Lightning requests, live QR payment, USD auto-conversion so merchants have no volatility risk), payment buttons and invoicing, split settlement that keeps a configurable percentage in Bitcoin and the rest in fiat, and the OpenNode API for generating charges and paying out Bitcoin or Lightning without ever holding the coins.
Soups Ranjan & Aditya Goel
Soups Ranjan, CEO and co-founder of Sardine, walks through the Sardine fraud and compliance API — a single endpoint for fintechs, crypto exchanges, challenger banks, and NFT platforms to prevent fraud, run KYC, monitor crypto transactions, and stay on top of AML and sanctions (PEP/SDN) screening. The demo shows how Sardine catches fraudsters running mobile emulators like BlueStacks, disposable phone numbers, and stolen dark-web identities — combining behavioral biometrics, device intelligence, and telco/social-graph enrichment with live Chainalysis and Coinbase Analytics calls. A no-code rule editor lets ops analysts chain dozens of fraud and AML typologies without writing code, and adverse-media signals cut AML false positives that plague traditional transaction-monitoring rules.
Meg Nakamura & Willis Jackson III
Meg Nakamura, Willis Jackson III, and Mike of Apto Payments demo Apto\'s self-service card issuance platform — the answer to years of customer complaints about how long and how expensive standing up a card program used to be. The new Apto is developer-first and fully self-service: design, build, launch, and scale a debit or prepaid card program without ever talking to a salesperson. The demo walks through real signup, API keys, a cardholder app delivered via TestFlight, KYC-backed cardholder onboarding, sandbox test transactions, and the production application (revenue split, KYB, UBO capture, off-the-shelf card designs, $500 collateral). Meg funds her card via ACH and a linked debit card, adds it to Apple Pay, and buys a Raygun t-shirt online — the transaction appears in both the Apto admin and the cardholder app within seconds. A closing demo fires an Apto API call to credit $20 to the cardholder wallet as a marketing incentive, and Willis covers the mobile SDK vs. white-label wrapper paths to shipping the cardholder app under your own brand.
Skyler Nesheim & Ben Schmitt
Ben and Skyler Nesheim of Dwolla demo "programming the Fed and The Clearing House" — Dwolla\'s flexible ACH, same-day ACH, push-to-debit, and real-time payments (RTP) API that businesses use to program collections, disbursements, and stored-value flows. The demo opens on launch day for Dwolla RTP: already live in sandbox, newly live in production. A command-line "David Lightman" app walks through the full Dwolla payment stack — create a lightweight customer, upgrade to a verified customer with SSN and address, add a bank funding source, then fire four transfers back-to-back. Standard ACH requires only source URL, destination URL, currency, and amount. Same-day ACH adds a one-field "clearing object." Push-to-debit only changes the destination URL. RTP changes one line — the processing channel. Throughout the demo, Dwolla fires webhooks (customer completed, bank transfer completed, etc.) so applications can react in real time.
YAP is an API platform that sits between banks and businesses across Asia — think Marqeta-adjacent, but covering processing plus full retail-bank orchestration across five to seven Asian markets (roughly 300 fintechs in India today). The briefing walks through YAP's granular API catalogue (wallet / card issuing, multi-currency travel, neo-banking primitives) and a real YAP-powered product: PaisaBazaar's Step-Up credit card, an Indian credit-builder card where customers book a fixed deposit and 80% of the FD becomes the starting credit limit. The demo covers Indian identity verification (PAN, Aadhaar share-code, UIDAI OTP), UPI penny-drop account verification, instant issuance of both virtual and physical cards, and the card-control API for toggling channels, setting limits, and delivering statements as PDF or JSON for custom branding.
Brankas is an open banking platform across Southeast Asia — Philippines, Indonesia, Thailand, Vietnam, Singapore. CPO Mike and Senior PM Luis demo Direct, the Brankas bank-transfer product that aggregates transfers across multiple banks via API with the end-user's explicit consent. Brankas never holds funds (no Stripe-style settlement); it exposes consent, authentication, and routing over open-banking rails. The demo walks through the two-endpoint Direct API (payment initiation, transaction retrieval), a live 100-peso payment from a BPI account in the Philippines through Brankas's IDP (identity provider) consent flow, per-bank authentication (username/password, TFA, OAuth 2 where banks support it), a biometric in-app authorization step on the BPI mobile app, and the final redirect + callback webhook that tell the integrator the payment settled. Production use cases include e-wallet top-up, lender collection, marketplace checkout, and bill payment.
Jeff Kramer
Jeff Kramer, CTO of Transparent Financial Systems, demos Zand — a community-based B2B platform for real-time value transfers running 24/7/365. Zand networks are designed by and for their transactional community: forex and crypto OTC desks, networks of community and regional banks, and more. There is no central issuer, no new currency, no intermediaries — just programmable digital dollars under the community\'s control. Banks do not install new software; Zand only requires three APIs (balance check, transaction history, book transfer), and banks still choose who to bank. The live demo runs against two beta banks through both a wallet UI and Swagger docs: a creation request mints new digital dollars in two steps (request with a nonce, followed by the reserve transfer) — funds remain at the participating bank but move into the shared network reserve. A $10,000 peer-to-peer payment between wallets completes instantly on the Zand ledger with no bank API called; wallet IDs are publicly shareable without granting access. Finally, $1,000 and $100 redemptions destroy the claims and push underlying funds back to the member\'s chosen bank. Jeff positions Zand as a bank-agnostic dollar settlement rail for regional/community banks, a more equitable real-time payment system, and a BSA-compliant digital-dollar platform for fintechs and crypto businesses.
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.
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.
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.