Interview: Booshan Rengachari, Founder and CEO of Finzly

Why It Matters

Finzly gives banks a scalable, modern infrastructure to meet real‑time payment expectations while slashing operational costs and risk, fast‑tracking AI‑enabled efficiency and digital‑asset adoption.

Key Takeaways

• Finzly unifies all payment rails via BankOS platform
• Agentic Galaxy embeds AI agents directly into payment flow
• AI reduces wire processing time over tenfold
• Straight-through processing achieved 100% on Fedwire
• Stablecoins enable programmable, instant cross‑border payments

Pulse Analysis

Legacy payment infrastructures still rely on decades‑old mainframes, forcing banks to cobble together point solutions for each rail. This patchwork creates operational silos, high maintenance costs, and an inability to support instant, 24/7 transactions demanded by today’s consumers. By replacing the fragmented stack with a single, cloud‑native operating system, Finzly gives financial institutions a unified data model and API layer, dramatically simplifying integration, compliance, and scalability across domestic and international networks.

The real breakthrough comes from Agentic Galaxy, where artificial intelligence is embedded directly into the payment lifecycle rather than layered on top. These agents evaluate context, choose optimal rails, format ISO 20022 messages, and flag exceptions, all while keeping compliance officers in the loop. Early deployments have demonstrated more than a tenfold acceleration in wire processing and a flawless straight‑through rate on Fedwire, translating into lower labor costs, reduced error rates, and faster customer experiences. The AI continuously learns from resolved exceptions, improving decision accuracy and shrinking false‑positive alerts over time.

Looking ahead, Finzly’s architecture positions banks to capitalize on stablecoins and programmable money. By handling tokenized assets on the same platform, banks can offer instant, low‑cost cross‑border settlements and condition‑based payments that traditional rails cannot support. Coupled with AI‑driven liquidity forecasting and treasury automation, the ecosystem promises new revenue streams and a competitive edge in an increasingly digital financial landscape.