--- title: "Fynex — Agentic finance for AI-native businesses" description: "The intelligence layer for financial operations. Route, split and reconcile every payment and payout across every rail, in real time. Unconflicted. FCA-authorised." url: "/" --- # Automate the finance ops you still run *by hand*. Accept payments, invoice, reconcile and pay the people you owe. All kept compliant, on one platform instead of a dozen. *Finance ops, automated.* **Credentials:** FCA-authorised e-money institution · PCI DSS Level 1 **Used by:** Stilio, Riwaya, Kidora, UOMA ## Not more tools. Fewer, that just work. Across every interview, the same request: automate what I do by hand, and keep it compliant. - Automate the manual work - Fewer, connected tools - Compliance to launch - Pay everyone you owe - See the numbers you can't ## Pay with everything. *Connect* to everything. Cards and wallets in, payouts out, and your accounting and tools in sync. Integrates with: Visa, Mastercard, Apple Pay, Google Pay, SEPA, BLIK, Payment links, Xero, QuickBooks, FreshBooks, WooCommerce, monday.com, Banking Circle, ClearBank. ## The finance work, *automated*. Four capabilities that take the work you do by hand today and run it for you. - **Workflow automation** — We run invoicing, tax and reconciliation, so your team stops doing it by hand. - **Financial intelligence** — Spot margin leaks and cash-flow gaps in real time, before they cost you. - **Payments & treasury** — Route and split every payment across every rail, in real time. Pay out in any currency. - **Liquidity command** — See cash risk before it hits. Speed up payouts. Hold your margin as you scale. ## Your whole finance picture, in one live view. Every payment, payout and margin, in real time. Ask a question, get a straight answer. ## One platform. Built for *your* model. Pick what you run. We'll show you the finance ops Fynex handles for it. - **Marketplaces & Platforms** — Split payments, MoR and KYC. Launch without becoming a payments company. - **Software Companies** — Multi-currency accounts, auto-invoicing, contractor payouts. Finance on autopilot. - **Home Services** — True profit per job, automatic crew/PM/sales payouts, without the tool sprawl. - **Digital Agencies** — Project margin, freelancer payouts and retainer billing, automated. - **Professional & Accounting** — No-code payment links, auto-reconciliation, renewals & partner payouts. ## Find what you're leaking, for free. Send us your current setup. We run a free margin-leakage diagnostic and show you what your payment stack costs you today. > One diagnostic found €2M in hidden fees across 10 processors for a proptech client. ## The trust layer most software can't offer. We can be your Merchant of Record and hold the funds. Most tools can't. They don't hold the licence. - **FCA-authorised EMI** — E-money institution via Fondy. We can hold and move your funds. - **PCI DSS Level 1** — The highest card-data security standard, by default. - **Audit logs** — Every movement traceable, ready for review. - **Built-in KYC / KYB** — The switch that turns the business on. ## Built by the team that scaled a payments business to **€2B across 8 European markets**. ## Questions, answered. ### What is Fynex? Fynex automates the financial operations you still run by hand: accepting payments, invoicing, reconciliation and paying the people you owe. It keeps them compliant, on one platform instead of a dozen. ### Why one platform instead of separate tools? Most teams stitch together a bank, a processor, spreadsheets, billing and reconciliation tools. Fynex replaces that sprawl with one connected system, so the work runs itself and stays compliant. Fewer tools, not more. ### Is Fynex a bank? No. Fynex is an FCA-authorised e-money institution (via Fondy) and PCI DSS Level 1. That licence is what lets us hold your funds and act as Merchant of Record. Most software tools can't. ### How does Fynex move money in and out? In: cards, Apple Pay, Google Pay, bank transfers and pay-in IBANs. Out: multi-currency payouts to any payee via Banking Circle, by rule or on schedule. ### Do we have to replace Stripe to use Fynex? No. Run Fynex next to Stripe Connect, or replace it when you outgrow it: when you need cross-border payouts, multi-currency settlement or Merchant of Record. You choose. ### What does Fynex connect to? Cards and wallets in, payouts out, and your accounting in sync: Xero, QuickBooks and FreshBooks, plus the operational tools you already run. ### How do we get started? Run a free margin-leakage diagnostic to see what your stack costs you today, then book a 15-minute demo. No contract. ## **Fynex** isn't a toolkit. It's your finance brain, built to fit your model and scale worldwide. --- The AI finance layer for platforms and operators. Automate the work, keep it compliant. One platform instead of a dozen. FCA-authorised e-money institution (via Fondy) · PCI DSS Level 1 · OAuth 2.0 only © 2026 Fynex