Fynex puts AI agents on your money. They verify the work, route each payment to the cheapest rail, and pay everyone you owe. We don't own the rails, so we route by what's best for you, and you keep more margin on every movement.
Free to start. No contract. We'll show you what your stack is costing you.
Route this payout to the cheapest rail.
Mara Devlin
Founder & CEO
Where is our margin leaking this quarter?
Tomás Rivera
CFO
Reconcile everything to our books.
Priya Shah
Head of Finance
Predict our cash-flow gap before it hits.
Daniel Okoye
COO
Pay every contractor, in every currency, tonight.
Lena Voss
Finance Lead
Onboard this seller without breaking conversion.
Sam Carter
Head of Product
Alert me if FX costs spike over 2%.
Maya Reyes
Treasury Manager
Split this payment three ways, by rule.
Marco Bianchi
Founder
Route this payout to the cheapest rail.
Mara Devlin
Founder & CEO
Where is our margin leaking this quarter?
Tomás Rivera
CFO
Reconcile everything to our books.
Priya Shah
Head of Finance
Predict our cash-flow gap before it hits.
Daniel Okoye
COO
Pay every contractor, in every currency, tonight.
Lena Voss
Finance Lead
Onboard this seller without breaking conversion.
Sam Carter
Head of Product
Alert me if FX costs spike over 2%.
Maya Reyes
Treasury Manager
Split this payment three ways, by rule.
Marco Bianchi
Founder
Why now
The case for agentic finance
Unconflicted
We don't own the rails, so we route by what's best for you, not by what pays us. That's margin you keep.
Multi-rail
Every PSP, bank and rail in one place. Pay anyone, anywhere, on the cheapest rail.
AI-native
Agents run your finance ops in real time. They don't summarise the work, they do it.
Compliant by default
FCA-authorised e-money institution and PCI DSS Level 1. We hold the licence, so we hold the funds.
The core benefit
One system, not twelve
Most teams run finance across a dozen disconnected tools. Fynex replaces the whole pile with one system that runs itself.
Works with your stack
Pay with everything. Connect to everything
Cards and wallets in, payouts out, no-code links when you need them, your accounting in sync.
Visa
Mastercard
Apple Pay
Google Pay
SEPA
SEPA
BLIK
Payment links
Xero
QuickBooks
FreshBooks
WooCommerce
monday.com
Banking Circle
CB
ClearBank
Four capabilities
Four jobs you do by hand. Fynex runs them for you
Hands off
Your finance work runs itself
Invoicing, tax, and reconciliation happen on their own, not on your people's time.
Invoices · this month
Paid189 invoices
$1,423,847
Outstanding58 · auto-chased
$423,545
77% collected · books reconciled behind it
Every rail, every currency
Pay everyone you owe, automatically
Split revenue and pay creators, crew, and contractors by rule, in any currency.
PayoutsTonight
Brazil Tech LtdaSEPA
$623,847
Green TeaSWIFT
$200,000
L. MartellEUR · contractor
€2,400
Live margin
See the numbers you could never see
Profit by job and channel, runway and burn, live on one screen.
Gross margin▴2.1%
32.4%
Margin MTD $923,545 · Rule of 40: 54.5
KYC · KYB · MoR
Switch the business on
Built-in KYC, KYB, and Merchant of Record clear the compliance that blocks your launch.
Verification
KYB
Approved
Merchant of Record
On Fynex
Live payments
On
In your pocket
Your whole finance picture, in one live view
Every payment, payout, and number, in real time. Ask a question, get a straight answer.
9:41
☰
Financial dashboard
$248,500
Revenue (MTD) ›
38.4%
Gross margin ›
$34,100
Pending payouts ›
$92,000
USD account ›
Message Fynex
$8,240
Today's sales
USD Account
$92,000
Where's my margin leaking?
The payout chain
Agents that run the whole money chain, not just the payment
Before a payout goes out, Fynex agents check the work, apply your terms, split the revenue, and pay. Then they close your books behind it. Every control you'd run by hand, run for you.
01
Verify before you pay
Agents confirm the work was delivered before a payout is prepared. Accountability, not chasing.
02
Capture every term
Discounts, retention, rate cards and caps, pulled before money moves. You stop leaving money on the table.
03
Split the revenue
Your share and your contractors', routed by rule. No spreadsheets, no manual maths.
04
Execute on the cheapest rail
Compliant payouts in any currency, on the lowest-cost rail, every night.
Profit visibility
Know what every job and every contractor actually makes
Live margin by job, channel, and contractor, after every payout, fee, and cost. Spot a job losing money while you can still do something about it.
▴ 12.5%This quarter
Gross margin32.4% · ▲ 2.1%
Total margin MTD (Revenue − COGS)$923,545
Rule of 4054.5
Job #4821 margin$2,310 · 27%
Built for your model
One platform. Built for your model
Pick what you run. We'll show you the finance work Fynex agents run for it.
Send us your setup. We run a free diagnostic and show you what your payment stack costs you today.
One recent diagnostic found €2M in hidden fees across 10 processors for a proptech client.
Compliance, handled
The trust layer most software can't offer
We can be your Merchant of Record and hold the funds. Most tools can't, because they don't hold the licence.
FCA-authorised EMI
An e-money institution via Fondy. We can hold and move your funds.
Licence
E-money institution
FCA
Client funds
Safeguarded
PCI DSS Level 1
The highest card-data security standard, on by default.
Card data
PCI DSS
Level 1
Encryption
On by default
Audit logs
Every movement traceable and ready for review.
Activity
Payout · €23,84714:02:11
Logged
Split · ORD-2024-00114:02:09
Logged
Built-in KYC / KYB
The switch that turns the business on.
Verification
KYB · BrazilTech Ltda
Approved
KYC · L. Martell
Approved
FAQ
Questions, answered
Agentic finance means AI agents run your financial operations instead of dashboards just reporting on them. Fynex agents accept payments, split revenue, route each payout to the cheapest rail, invoice, and reconcile your books in real time — the manual finance work, done for you. One AI-native financial operations platform, not a dozen disconnected tools.
Yes. Because Fynex runs the money — every payment, payout, fee and FX cost — it shows live cash flow, margin and runway calculated from real movements, not a spreadsheet someone rebuilds. Ask a question in plain language and the AI gives you a straight answer, so you can spot a cash-flow gap or a margin leak while you can still act on it.
Yes. Fynex gives you a multi-currency business account with virtual-account IBANs, so you hold, receive and pay out in EUR, USD, GBP and more from one place. You stop stitching a bank account and separate FX tools together by hand, and every movement stays reconciled to your books.
A payout is money your business sends out — to sellers, contractors, partners or your own accounts. Fynex runs multi-currency payouts across every rail (SEPA, SWIFT, local methods) via Banking Circle, by rule or on schedule, routing each one to the lowest-cost rail. Because we're unconflicted — we don't own the rails — we route by what's cheapest for you, not what pays us.
Yes. Fynex automates invoicing, payment reminders and recurring payments, so invoices go out on time and chase themselves until they're paid. Subscription and renewal billing run with dunning, and every payment reconciles to Xero, QuickBooks or FreshBooks in real time — no one on your team has to touch it.
Yes. Fynex is an FCA-authorised e-money institution and PCI DSS Level 1 — the highest card-data security standard — with client funds safeguarded and every movement logged for audit. We hold the licence ourselves, so your money is handled to regulated EMI standards, not passed through unlicensed software.
No. Fynex coexists with what you already run. Keep Stripe Connect and add Fynex for cross-border payouts, multi-currency settlement, smarter split payments or Merchant of Record — or replace it when you outgrow it. Your accounting stays in sync with Xero, QuickBooks and FreshBooks either way.
Pricing is agreed per case — we work with different commercial models, including performance-share pricing, so terms fit your volumes and markets. The fastest start is a free diagnostic: send us your setup, we show you what your payment stack costs you today, then you go live once compliance is switched on. No contract to start.
We do Fridays so you don't have to.Payouts at midnight. You, asleep.Invoices that chase themselves. Ruthlessly.We carry the chargebacks. You carry on.We do Fridays so you don't have to.Payouts at midnight. You, asleep.Invoices that chase themselves. Ruthlessly.We carry the chargebacks. You carry on.We do Fridays so you don't have to.Payouts at midnight. You, asleep.Invoices that chase themselves. Ruthlessly.We carry the chargebacks. You carry on.
Fynex isn't a toolkit. It's your finance brain, built to fit your model and scale worldwide
Spreadsheets, retired with honours.Month-end close, minus the month-end.FX fees, caught red-handed.Fewer tools. Fewer tabs. Fewer tears.Your CFO's favourite coworker never takes lunch.Spreadsheets, retired with honours.Month-end close, minus the month-end.FX fees, caught red-handed.Fewer tools. Fewer tabs. Fewer tears.Your CFO's favourite coworker never takes lunch.Spreadsheets, retired with honours.Month-end close, minus the month-end.FX fees, caught red-handed.Fewer tools. Fewer tabs. Fewer tears.Your CFO's favourite coworker never takes lunch.
See Fynex on your numbers
Drop your work email and we'll set up your demo and free diagnostic.
FCA-authorised EMI · No contract · We don't share your data.
Step 1 of 4
How big is your team?
Tells us who'll be using Fynex day to day.
Step 2 of 4
Roughly how much do you process a month?
A range is fine. We just need the scale.
Step 3 of 4
Where do you pay people out?
Sellers, contractors, partners, wherever the money goes.
Step 4 of 4
Anything blocking you right now?
If one thing's stopping you going live, tell us. We'll start there.
Your demo
See Fynex in action
Take a couple of minutes: split a payment, onboard a seller, send a payout. No setup, nothing to install.
Interactive demo
Starting on “your setup.” (Embeds here — built by the product team.)
Almost there
Ready to see it on your numbers?
Book 15 minutes. We'll walk through your margin-leakage diagnostic and the part you just tried. Not a sales deck.
Not ready? We'll email you the link. Book whenever suits.
You're booked
Check your inbox for the confirmation and your diagnostic link.
We'll open the call on “your biggest need.”
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