One Integration.
Multi-Bank Infrastructure.
AppTech Payments gives fintechs, MSBs, and regulated financial institutions a single integration point into a network of chartered banks, reducing bank-by-bank procurement, duplicated compliance work, and concentration risk. Through one API and console, companies open named DDA and FBO accounts and route ACH, wire, RTP, FedNow, and card transactions through the best-fit bank.
One Integration.
Multi-Bank
Infrastructure.
AppTech Payments gives fintechs, MSBs, and regulated financial institutions a single integration point into a network of chartered banks, reducing bank-by-bank procurement, duplicated compliance work, and concentration risk. Through one API and console, companies open named DDA and FBO accounts and route ACH, wire, RTP, FedNow, and card transactions through the best-fit bank.
Why AppTech
Compliance-First Infrastructure
Compliance is built into the network from the start, not added separately for each bank. Shared KYC/KYB, identity verification, sanctions screening, and transaction monitoring help create one auditable compliance layer across partner banks.
Shared KYC/KYB and identity verification
Shared KYC/KYB and identity verification
Real-time sanctions and transaction screening
Real-time sanctions and transaction screening
One auditable layer across partner banks
One auditable layer across partner banks
Who We Serve
Who We Serve
MSBs
PSPs
OTC
FinTechs
Lending
Exchanges
Broker-Dealers
Import/
Export
Financial Institutions
Remittance Companies
Who We Serve
Who We Serve
Features
Platform Capabilities
Powerful features designed to give you complete control
Named DDA & FBO Account
Issued directly in your customers' names across a network of chartered banks.
Named DDA & FBO Account
Issued directly in your customers' names across a network of chartered banks.
Shared Compliance Infrastructure
Built-in KYC/KYB, transaction monitoring, and sanctions screening — no rebuilding per bank
Shared Compliance Infrastructure
Built-in KYC/KYB, transaction monitoring, and sanctions screening — no rebuilding per bank
Automatic Failover
Turns single points of failure into built-in redundancy if a partner bank pauses activity.
Automatic Failover
Turns single points of failure into built-in redundancy if a partner bank pauses activity.
Multi-Rail Routing
ACH, wire, RTP, FedNow, and card transactions routed to the best-fit bank automatically.
Multi-Rail Routing
ACH, wire, RTP, FedNow, and card transactions routed to the best-fit bank automatically.
Unified Ledger & Reconciliation
Real-time balances and automated reconciliation across every bank relationship.
Unified Ledger & Reconciliation
Real-time balances and automated reconciliation across every bank relationship.
Faster Time-to-Market
One API and console replace months of bank-by-bank procurement and integration work.
Faster Time-to-Market
One API and console replace months of bank-by-bank procurement and integration work.
Monthly Payment Volume Processed
Average Daily Balance Held Across Network
Wires Processed Monthly
Rails (ACH, Wire, RTP, FedNow, Card and more)
Monthly Payment Volume Processed
Monthly Payment Volume Processed
Average Daily Balance Held Across Network
Average Daily Balance Held Across Network
Wires Processed Monthly
Wires Processed Monthly
Rails (ACH, Wire, RTP, FedNow, Card and more)
Rails (ACH, Wire, RTP, FedNow, Card and more)
FAQ
Frequently Asked Questions
Everything you need to know about AppTech Payments Corp.
What types of businesses and institutions is the platform designed for?
Our platform is built for fintechs, MSBs, and regulated financial institutions that need one integration into a network of chartered banks. It’s designed to support a wide range of use cases across MSBs, PSPs, OTC desks, lending, exchanges, broker‑dealers, import/export, financial institutions, and remittance companies. The goal is to give these organizations a resilient, multi‑bank foundation without adding operational risk.
Which payment rails and currencies do you support?
We support multiple payment rails, including ACH, wire, RTP, FedNow, and card payments, so you can move money across different networks through a single platform. The system is designed to be multi‑rail and multi‑currency, with routing and reconciliation that adapt to the rails and accounts your business needs, rather than locking you into a single provider or method.
How does your multi‑bank routing and infrastructure work?
Our compliance‑first infrastructure connects your business to a shared network of partner banks, so you can access named DDA and FBO accounts, shared compliance tooling, automatic follower routing, and unified ledger and reconciliation. Instead of hard‑coded logic tied to one provider, payments are routed across multiple banks and rails based on your configuration, with failover and redundancy built in to reduce concentration risk.
What types of businesses and institutions is the platform designed for?
Our platform is built for fintechs, MSBs, and regulated financial institutions that need one integration into a network of chartered banks. It’s designed to support a wide range of use cases across MSBs, PSPs, OTC desks, lending, exchanges, broker‑dealers, import/export, financial institutions, and remittance companies. The goal is to give these organizations a resilient, multi‑bank foundation without adding operational risk.
Which payment rails and currencies do you support?
We support multiple payment rails, including ACH, wire, RTP, FedNow, and card payments, so you can move money across different networks through a single platform. The system is designed to be multi‑rail and multi‑currency, with routing and reconciliation that adapt to the rails and accounts your business needs, rather than locking you into a single provider or method.
How does your multi‑bank routing and infrastructure work?
Our compliance‑first infrastructure connects your business to a shared network of partner banks, so you can access named DDA and FBO accounts, shared compliance tooling, automatic follower routing, and unified ledger and reconciliation. Instead of hard‑coded logic tied to one provider, payments are routed across multiple banks and rails based on your configuration, with failover and redundancy built in to reduce concentration risk.
