The Platform

The full financial stack, one integration away.

ACH origination, RTP, term loan underwriting, virtual card issuance, KYC/AML compliance engine, and event-driven webhooks — one API contract, one bank network, no regulatory overhead on your side of the wall.

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Architecture

Five layers. One integration contract.

Your SaaS application sits above the API gateway. Finsyncio owns the SDK, the API gateway, the compliance engine, and the bank network below. You call endpoints; we manage the rest.

Modules

Four modules. One API contract.

Enable the modules your SaaS users need. Compliance wrapper, state licensing, and bank connectivity are included for all modules — not sold separately.

Payments Module

ACH same-day and next-day transfers
RTP (Real-Time Payments) via Fed network
Bulk disbursement batching
Instant payment confirmation webhooks
Reconciliation export (CSV, JSON)

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Lending Module

Term loans (3–36 month) for SMB borrowers
BNPL installment products
Working capital lines of credit
Automated underwriting — decision in under 15 minutes
TILA disclosures and adverse action notices generated automatically
Loan servicing and collections event webhooks

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Card Issuance Module

Virtual cards issued in milliseconds
Physical card programs (Visa / Mastercard)
Programmable spend controls
Real-time authorization webhooks
BIN sponsorship handled by Finsyncio

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Compliance Engine

Automated KYC — identity verification at onboarding
BSA/AML transaction screening (OFAC + FinCEN)
Continuous transaction monitoring
Suspicious activity reporting (SAR) automation
State lending license coverage (48 states)

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Webhooks

Event-driven everything.

Every state change in the Finsyncio platform fires a structured webhook to your registered endpoint. Loan funded, payment cleared, card authorized — your system knows immediately.

Signed with HMAC-SHA256 for verification
Retry with exponential backoff on failure
Idempotency keys on every event
Delivery logs in the dashboard

Webhook Reference

POST → your-endpoint.com/webhooks

// loan.funded webhook payload
{
  "event": "loan.funded",
  "event_id": "evt_5pQrN8kZmW",
  "timestamp": "2026-03-14T09:22:47Z",
  "data": {
    "loan_id": "ln_4K9mPq2rXv",
    "amount_cents": 500000,
    "funded_at": "2026-03-14T09:22:46Z",
    "borrower_id": "usr_8a4f2c",
    "product_type": "term_loan",
    "term_months": 12
  }
}

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