April 8, 2026/
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The Problem With Disconnected Lending and Payment Stacks This is one of...
Stop duct-taping vendors. Metagens.ai delivers lending, ISO 20022 payments, AML, and core banking in one unified deployment.
Full stack || Zero integrations || Live in 6-8 weeks
Amortization schedule automatically recalculated and synced to core.
Custom portfolio yield and delinquency data aggregated.
A loan origination system from one vendor. Servicing from another. Compliance from a third. Payments from a fourth. Six vendors, six fragile integration points, and six ways the system breaks.
We replaced the entire assembly with one native platform. Lending, payments, AML, and core banking in a single codebase.
Engineered by the team who shipped ACH modules and Fedwire integrations at production scale. We know what breaks in a multi-vendor stack because we used to fix it.
We built the infrastructure so you don’t have to assemble it. Metagens.ai replaces fragmented multi-vendor setups with one unified stack.
Loan origination, decisioning, KYC integration, credit bureau checks, disbursement, revolving credit, payment mandates. The complete loan lifecycle origination through final repayment
ACH (NACHA spec), Fedwire (domestic and international), ISO 20022 built natively from the first line of code. Not migrated. Not via a partner. US pipeline notify list open.
Real-time transaction monitoring, SAR generation to FinCEN standards, OFAC sanctions screening, PEP detection, investigator dashboards, full audit trails. Compliance-native — not a module you buy later.
Multi-tenant accounts, virtual accounts, multi-currency, real-time balance updates, automated reconciliation, interest calculation, complete audit records. The ledger every other module runs on.
Debit, virtual, tokenised card issuing. Real-time authorisation, fraud monitoring, chargeback handling, spending controls. End-to-end encryption, key management, data protection.
Real-time monitoring dashboards, centralised logging, end-to-end transaction tracing, automated alerts, usage-based billing with metered API tracking and flexible pricing models.
Tell us your loan type, compliance obligations, and payment rails. We scope the deployment in 48 hours. No massive questionnaires. No RFP.
We deploy the full stack with your specific parameters. Your engineering team maintains total control over configuration and decision logic.
Operate directly. No managed service wrappers. No submitting tickets for basic config changes. Built-in observability gives you total visibility.
The visible cost of a multi-vendor fintech stack is the licence fees. The invisible cost is everything else: API versioning across six providers, outages nobody owns because they happened between two systems, feature launches delayed by three separate release cycles, and engineering hours spent writing glue code instead of building your product.
Metagens.ai eliminates the integration tax by design. Not with more connectors — by removing the need for them. Every module shares one data model. One engineering team when something needs changing. One deployment to upgrade. One audit trail across your entire financial operation.
Technical deep-dives, architectural breakdowns, and unfiltered perspectives on fintech infrastructure. Read our latest insights on lending, payments, and compliance—written by the team actively building and deploying the stack.
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Full-stack fintech infrastructure for teams building lending products in the US market. Lending. AML. Payments. Core Banking. Cards. One deployment. Built native. Not assembled.
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