Innovation Platform
Banking infrastructure for innovating companies.
From international businesses and family offices to digital-native founders, Medici provides the regulated banking layer for BaaS, embedded finance, stablecoin banking, and agentic payments.
Who we serve
Banking for the way you operate
Whether you move money across borders, manage investor capital, or build entirely online — Medici is a regulated U.S. bank built for modern businesses.
International businesses
Receive funds from clients and pay suppliers at home and abroad — in one U.S.-dollar account.
Family offices & investors
Hold wealth in U.S. dollars, raise and KYC investors globally, and settle trades quickly.
Digital-centric companies
Fast, online, API-friendly banking for businesses that operate 100% digitally.
Founders & growing teams
Apply for an account from over 180 countries -- fully online
Rufus (Banking-as-a-Service)
Rufus lets companies offer bank accounts, payments, and cards without becoming a bank. Medici provides the regulated layer they build on.
What is Rufus?
Rufus is Medici's Banking-as-a-Service solution. A licensed bank provides accounts, payment rails, and compliance tools to other companies through modern software connections. Think of it as banking infrastructure delivered like a utility: your product connects, and regulated banking happens behind the scenes.
Why this market is growing
Every fintech, marketplace, and software platform that moves money needs a bank partner. The old model meant stitching together multiple vendors. BaaS puts the bank and the technology in one place — and the market is responding.
Market size, 2026
$26.5B
Projected by 2034
$108.0B
How Medici delivers it
Connect
Your team integrates with Medici's platform — one connection to a licensed, regulated banking partner.
Build
Create accounts, move money, and manage compliance through a single regulated partner.
Launch
Go live with financial products powered by a real-time cloud-native banking infrastructure.
What's included
Programmable Accounts
Programmable accounts you can create and manage for your customers.
Payment Rails
ACH, wires, and real-time payments through one integration.
Compliance Built In
Identity verification and regulatory controls handled at the bank level.
Beneficial impacts
- Launch financial products months faster with one bank partner instead of many vendors.
- Reduce cost and complexity by eliminating middleware layers.
- Build with confidence on regulated, API-driven banking infrastructure.
- Scale from startup to enterprise without changing your banking foundation.
Ready to build on Medici?
Talk to our team about how BaaS can power your next financial product.
Financial services where your customers already are
Embedded finance means offering banking, payments, or lending inside a non-financial product — like checkout financing in an e-commerce app or payroll inside HR software.
What is embedded finance?
Embedded finance is when a company adds financial features — accounts, payments, lending, insurance — directly into its own product. The customer never leaves the app. The financial service is invisible infrastructure, powered by a regulated bank like Medici in the background.
Why this market is exploding
Customers expect financial services to be part of every digital experience. Platforms that embed finance capture more revenue, deepen retention, and create better user experiences. The market is one of the fastest-growing segments in all of financial services.
Market size, 2023
$83.3B
Projected by 2030
$588.5B
How Medici enables it
Identify
Find the financial moment in your customer journey — checkout, payroll, invoicing, or onboarding.
Embed
Connect Medici's banking layer so financial services appear natively inside your product.
Monetize
Capture new revenue streams while your customers get a seamless, all-in-one experience.
What's included
In-App Accounts
Customer accounts that live inside your platform, backed by a real bank.
Instant Payments
Move money between users, merchants, and accounts without leaving your app.
Lending & Credit
Offer credit and lending products powered by Medici's balance sheet.
Beneficial impacts
- Turn your platform into a financial hub without becoming a bank.
- Increase customer lifetime value with embedded revenue streams.
- Deliver seamless experiences — no redirects, no separate logins.
- Stay compliant with a regulated banking partner handling the heavy lifting.
Embed finance in your platform
Let's explore how Medici can power financial services inside your product.
Stablecoin Banking
Stablecoins are digital dollars pegged to the U.S. dollar. Medici is building the regulated bridge between stablecoin activity and traditional bank accounts.
What is stablecoin banking?
Stablecoins are digital tokens designed to hold a steady value — typically $1 each. They're used for global payments, treasury management, and cross-border transfers at a fraction of traditional cost. Stablecoin banking connects this digital-dollar activity to regulated bank accounts, so funds can move seamlessly between the digital and traditional financial systems.
Why this market matters now
Stablecoin transaction volume has reached trillions of dollars annually. Businesses and platforms need a regulated bank that understands both worlds — digital assets and traditional banking — to safely hold, convert, and move these funds.
Circulating supply
$272B+
Adjusted txn volume (LTM)
$10.2T
How Medici is building for it
Receive
Accept stablecoin deposits and convert them to U.S. dollars in regulated bank accounts.
Hold
Maintain cash and digital-asset treasury workflows through one banking partner.
Move
Send funds via ACH, wire, or back to stablecoin — all through one regulated partner.
Planned capabilities
Stablecoin-to-USD Conversion
Automatic conversion from digital dollars to bank deposits.
Regulated Custody
Hold and manage digital-asset treasury with bank-grade oversight.
Unified Ledger
One view of traditional and digital-dollar balances.
Beneficial impacts
- Move money globally at a fraction of traditional wire costs.
- Bridge digital and traditional finance through one regulated bank.
- Reduce settlement times from days to minutes.
- Operate with confidence on regulated banking infrastructure.
Interested in stablecoin banking?
Join our waitlist to be first to know when Medici's stablecoin banking capabilities launch.
Agentic Payments
AI agents are beginning to initiate payments on behalf of users and businesses. Medici is building the regulated banking layer these autonomous systems will need.
What are agentic payments?
Agentic payments are financial transactions initiated by AI agents — software that can make decisions and take actions on behalf of a person or business. For example, an AI assistant that pays invoices, rebalances a treasury, or sends cross-border payments without a human clicking 'confirm' each time. This requires banking infrastructure designed for programmatic, automated money movement.
Why this is the fastest-growing segment
As AI agents become more capable, they'll handle an increasing share of financial decisions. The market for agentic payment infrastructure is projected to grow nearly 25x over the next eight years — and it needs a regulated bank behind it.
Market size, 2025
$7.6B
Projected by 2033
$183.0B
How Medici is preparing
Authorize
Define rules and limits for what AI agents can do with your accounts.
Execute
Agents initiate payments through Medici's regulated rails with full audit trails.
Report
Every agent-initiated transaction is logged, reconciled, and compliant.
Planned capabilities
Agent Authorization
Set permissions and spending limits for AI-driven transactions.
Programmatic Rails
Payment infrastructure designed for automated, high-velocity activity.
Full Audit Trail
Complete visibility into every agent-initiated financial action.
Beneficial impacts
- Prepare for a world where AI handles routine financial decisions.
- Maintain control with programmable rules and spending limits.
- Operate with full regulatory compliance and auditability.
- Capture early-mover advantage in the fastest-growing fintech segment.
Building for the agentic future?
Connect with Medici to learn how we're preparing banking infrastructure for AI-driven payments.
The Technology
The enabling platform is the Bank Orchestration Software System -- it's the BOSS.
Medici isn't a bank renting someone else's software. We built our own banking platform — the Bank Orchestration Software System (The BOSS) — and run it inside a licensed, regulated banking operation.
The BOSS is the software brain that sits between the apps our partners build and the “cores” that hold ledgers and move money. Every account opened, payment sent, and transaction recorded flows through it. (A core is the system of record a bank uses to track balances and transactions.)
Why this is different
Most banks are permanently wired to a single legacy core. Replacing it is a multi-year, multi-million-dollar project — which is why bank technology rarely improves. The BOSS is modular by design: it runs on our proprietary core, third-party cores, or a sponsor bank, and can switch between them per transaction without interrupting service.
How the platform works
One integration connects a partner to a full, regulated bank — with the orchestration layer handling the complexity behind the scenes.
Connect
Partners integrate through one modern API (the MBAPI) using REST/JSON — the format developers expect.
Orchestrate
The BOSS routes each transaction to the right core or ledger in real time, governed by a policy engine where product rules, limits, fees, and approvals live in configuration — not hard-coded.
Record
An optional real-time, double-entry ledger (Onus) keeps an internal system of record with multi-asset balances and parallel books for ops, regulatory, and reporting.
The system suite
The BOSS ships as a complete set of purpose-built systems — from onboarding to administration.
Digital Account Opening
Onboard customers in minutes with KYC and KYB verification, supported by machine-learning checks that help flag fraud and anomalies.
Online Banking Portal
2FA-secured accounts, up to 99 users each, approval workflows, and instant transfers across products.
DocuHub
Encrypted, self-service document exchange for sensitive KYC/KYB paperwork.
My Admin System
A single console for operations and compliance to manage every account, client, and workflow.
Modular Bank API
REST/JSON access to accounts, payments, and reporting — embedded directly in partner apps.
Real-Time Ledger
Optional double-entry ledger with multi-asset, multi-entity balances and real-time reconciliation.
New modules in buildout
Medici is expanding the platform with named modules that accelerate product launch and strengthen operating controls across payments, compliance, and lending.
SpendGate
Program controls for cards and spend workflows, with policy-based approvals and real-time enforcement. Multi-rail, micro-budgets at the sub-agent level.
Rufus
Our BaaS layer for launching labeled banking programs quickly through one regulated foundation.
Coman
A proprietary content management system used to configure and deploy custom label programs quickly.
SENTRI
AI-centric compliance and risk rules engine for policy orchestration, scoring, and decision traceability.
Lena
Compliance AI agent that supports review workflows, escalations, and analyst productivity.
Lori (LOS)
Loan Origination System for application intake, underwriting workflows, and approval controls.
Loma (LMS)
Loan Management System for servicing, repayment schedules, and portfolio operations.
Specialized capabilities
Beyond standard accounts and payments, the platform powers advanced products that bridge traditional and digital finance.
Crypto-backed lending
Borrow against digital assets with a real-time loan-to-value calculator, machine-learning-assisted collateral-risk monitoring, automated margin calls, and integrated liquidation through liquidity partners.
Multi-signature digital custody (MPC)
Custody accounts secured by a sharded master key, where every transaction requires multi-party approval and external wallets are screened for fraud.
Lending platform
End-to-end loan origination, management, and a borrower portal — with a configurable loan product builder.
Security & engineering rigor
The platform is built and operated to the standards of a modern software company — inside a regulated bank.
Cloud-native infrastructure
Built on AWS — API Gateway, Lambda, and encrypted RDS datastores, with sensitive data encrypted at rest.
Encrypted, signed API access
Every request is HMAC-signed and transmitted over SSL/HTTPS, then verified before it reaches the bank.
Disciplined DevOps
Automated testing (CircleCI) and enforced code coverage — a drop of just 1% fails the build — with automated deployment via AWS CodeDeploy.
Machine learning, applied carefully
We are progressively introducing machine learning where it adds clear value — anomaly detection in transaction monitoring, fraud and AML screening, and collateral-risk signals — always paired with human oversight and regulatory controls.
What this means for investors and partners
Ready to build on Medici?
Whether you're launching a fintech product or exploring our roadmap capabilities, we'd like to hear from you.