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Payments & Lending Infrastructure for Modern Financial Institutions
The infrastructure layer that unifies payments, lending, and compliance — built for how US financial services actually works.
Financial infrastructure is broken at the seams.
US banks, fintechs, and lenders are stitching together 5+ vendors to do what should be one job: accept and send money, issue credit, stay compliant, and do it in real time. Every integration adds cost, fragility, and a new surface area for things to go wrong.
Metagens was built to fix that.
We are a Payments and Lending SaaS platform purpose-built for US financial institutions — community banks, credit unions, fintechs, and BaaS operators — who need modern infrastructure without the complexity of building it from scratch or managing a fragmented vendor stack.
What we cover:
- Payments — ACH, Fedwire, and ISO 20022 with real-time processing and compliance checks baked in
- Lending — Full loan origination and lifecycle management, from application to disbursement to repayment
- AML & Compliance — Real-time transaction monitoring, sanctions screening, SAR generation, and investigator workflows
- Core Banking — Multi-entity account management, ledger, reconciliation, and product configuration
- Card Issuance — Debit, virtual, physical, and tokenized cards with real-time controls and fraud monitoring
- Security & Observability — Encryption, key management, and end-to-end system monitoring built into the platform
One API-first platform. The entire financial infrastructure stack. No frankenstack required.
We work with CTOs who are tired of building, CDOs who are tired of legacy, and product teams who need to launch financial products in weeks — not years.
metagens.ai
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Min project size
Undisclosed
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Hourly rate
Undisclosed
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Employees
2 - 9
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Locations
Bengaluru, India
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Year founded
Founded 2026
1 Locations
- Bengaluru , India
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Our Story
We are Metagens.ai — engineers who built and ran production fintech systems across lending, core banking, payments, cards and AML. Our team brings 20+ years shipping ACH, Fedwire, loan engines and card infrastructure across US, EU and Asia. We deliver a single, owned full‑stack platform (one codebase, one data model, one deployment) so lending teams avoid year‑long vendor assembly and embed compliance and payments natively.
What Sets Us Apart
One Stack. No Assembly Required.
Most fintech builders piece together 5 or 6 vendors to launch a lending product — one for origination, another for servicing, a separate AML engine, payments rails through a third party, and a core banking ledger underneath it all. Metagens is Not integrated. Not bolted together. Built as one systemBuilt by People Who Shipped It in Production.
The founders of Metagens.ai spent years as architects inside MBanq — one of the most sophisticated Banking-as-a-Service platforms in the US market — where they personally built ACH modules, Fedwire integrations, revolving loan engines, and card processing infrastructure that run real money.Live in Weeks. Not Quarters.
Metagens.ai is designed for fintechs and digital lenders who cannot afford to wait. The full stack deploys in 6 to 8 weeks. One integration. One vendor relationship. One team to call when something needs to change.Locations (1)
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