Finzly vs Percent
Side-by-side comparison of AI visibility scores, market position, and capabilities
Modern payments hub for community and regional banks; BankOS connects ACH, Fedwire, RTP, FedNow, and SWIFT via single API; Frost Bank customer; available on AWS Marketplace since 2024
About
Finzly is a modern payments and banking infrastructure company headquartered in Charlotte, North Carolina. Founded in 2012, Finzly provides community banks, regional banks, and credit unions with a modern payments hub that connects to all major US payment rails—ACH, Fedwire, RTP (Real-Time Payments), FedNow, SWIFT, and SEPA—through a single API-driven platform. Traditional community bank payment infrastructure is fragmented across multiple legacy systems, each serving a different rail, requiring separate integrations, operational workflows, and compliance processes. Finzly's BankOS platform consolidates these rails under a unified orchestration layer, reducing operational complexity and enabling banks to offer faster payment products to their commercial and retail customers.\n\nFinzly's BankOS platform includes a payment hub for multi-rail orchestration, a treasury management system for commercial banking clients, a foreign exchange module for cross-border payments, and a modern account management layer. The platform is designed as a composable system where banks can adopt individual modules to address specific gaps in their existing infrastructure without replacing all of their legacy systems simultaneously. Finzly also provides a developer portal and sandbox environment, making it accessible to bank technology teams that want to build custom applications on top of the payment rails without extensive vendor dependency.\n\nFinzly competes with Finastra's Payments Hub, Jack Henry's JHA PayCenter, and FIS Modern Banking Platform in the community bank payments modernization market. Its focus on multi-rail payment orchestration and commercial treasury management—capabilities that are increasingly demanded by business banking clients but difficult for community banks to deliver with legacy systems—positions it as a focused infrastructure vendor enabling smaller financial institutions to compete with the payment product capabilities of larger regional and national banks.
NYC YC W20 private credit investment marketplace with $1B+ in deals funded at up to 20% returns; democratizing institutional private debt access for accredited investors as global private debt fundraising hit $196B in 2024.
About
Percent is a New York City-based private credit investment marketplace — backed by Y Combinator (W20) — providing accredited investors and institutions with access to private credit investment opportunities (asset-backed lending, corporate credit, structured products) that have historically been accessible only to large institutional investors, having facilitated over $1 billion in total deal funding with potential annualized returns of up to 20%. Founded in 2018, Percent operates in the rapidly growing alternative investments market where private debt fundraising reached $196.1 billion globally in 2024, democratizing access to an asset class that represents 50% of asset management industry revenue despite comprising less than 20% of assets under management.
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