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AI-driven financial services are just beginning.

Finpace helps institutions and fintech challengers move beyond digitizing legacy processes. With our deep transformation expertise, we make change adaptive, modular, and ready to scale.

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Overview

Finpace supports institutions that need to advance their roadmap and modernize their estate without compounding complexity.

We bring founder-led delivery and a unified banking approach, so change becomes repeatable, controlled, and materially faster to execute, while delivering the product and UX quality customers now expect as standard.

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Embrace the New Era

Halcyon, The AI Native Core for Modern Banking

Halcyon represents a new operating model for banking systems. It places an AI layer at the center of the core, connecting directly to enterprise data and workflows so the system can interpret intent, orchestrate actions, and evolve without the traditional backlog heavy change cycle.

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Instead of hard coding every new capability into a rigid backend, Halcyon enables institutions to introduce, refine, and extend functionality through AI driven orchestration. This approach accelerates delivery, reduces dependency on legacy constraints, and makes change repeatable, controlled, and materially faster to execute.

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Welcome to banking that understands context, adapts in real time, and improves continuously as your products, policies, and customer needs evolve.

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Finpace Core

A modern, API-first core banking foundation built for scale and speed.

Finpace Core is a headless, API-driven system of record designed to integrate cleanly with downstream channels and third-party services. It supports high-throughput real-time processing, configurable onboarding and compliance workflows, unified customer and account views, and extensible product capabilities across accounts, wallets, and lending. Built for operational resilience, it enables institutions to launch and iterate products without compromising governance, performance, or control.

  • Account services. Current and savings accounts with configurable product parameters and real-time posting.

  • High-throughput system of record. Optimized read/write performance for enterprise-scale transaction loads.

  • Digital onboarding and KYC/KYB. Configurable onboarding journeys with identity and business verification workflows.

  • Wallet and payments ledgering. Scalable wallet accounts and transaction processing for high-frequency use cases.

  • Loan management engine. Multiple lending products, complex interest and fee structures, and automated servicing workflows.

  • Process automation and controls. Reconciliation, compliance checks, and standard operational reporting built into core processes.

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Finpace has been a game-changer for Horizon Federal Credit Union. Their core banking solutions provide the reliability we need to ensure seamless operations, while their adaptability allows us to stay ahead of evolving member expectations. With Finpace, we have the confidence to innovate without disruption.

- James Carter, Chief Technology Officer, Horizon Federal Credit Union

Start building for what's next

The agentic bank: How conversational interfaces are replacing legacy UX

Download the whitepaper to understand how agentic, conversational interfaces are reshaping digital banking experiences and operating models. It outlines the core capabilities, architectural implications, and governance required to deploy these systems responsibly. Use it as a practical reference for planning, evaluating, and executing an AI-led transition beyond legacy UX.

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Let's Chat

Whether you're looking to build, explore digital strategy options, see Halcyon in action, or discuss partnership opportunities—we’re here for it. Whatever’s on your mind, let’s connect.

No pressure. No hassle. Just great conversations.

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