floid.ai: Empowering Open Finance with Secure, Instant Payment Solutions

floid.ai is a cutting-edge AI-powered Open Finance platform that delivers secure, instant ACH and bank payments across the United States and Latin America. Designed for businesses of all sizes, it enables seamless, automated payouts to multiple bank accounts while offering real-time financial data processing for underwriting, fraud prevention, and user onboarding. With integration support for over 100 regional banks, a 99.9% API uptime, and compliance with global standards like GDPR, PCI DSS, and ISO 27001, floid.ai provides a scalable, transparent, and trustworthy infrastructure for modern financial operations. Its partnership with Mastercard through the Start Path Open Banking program enhances security and reliability, making it a powerful ally for startups, enterprises, and financial institutions seeking to innovate responsibly in the digital payments space.

Key Features:

• Instant ACH and pay-by-bank payments
• Automated multi-account instant payout solution
• Real-time data processing for underwriting, fraud prevention, and onboarding
• Integration with 100% of regional banks in operating markets
• Secure APIs with 99.9% availability
• ISO 27001 certified (2022 version) for data security
• AES-256 encryption for data protection
• Compliance with GDPR, PCI DSS, and international financial regulations
• Fast integration time—up to one day
• 24/7 global support and real-time transaction monitoring
• Open Banking infrastructure for risk assessment, transfers, and reconciliation
• Partnership with Mastercard via the Start Path Open Banking program
• No direct handling of user funds—relies on licensed third-party Money Transmitters

Pricing: floid.ai operates on a subscription-based model, with pricing tailored to business needs and scale, offering flexible plans for startups and enterprise clients.

Conclusion: floid.ai stands out as a secure, scalable, and innovative Open Finance solution, empowering businesses to streamline payments and financial operations with speed, reliability, and global compliance—all backed by robust AI technology and trusted by over 100 major companies.