Metagens.ai was built on ISO 20022 from the first line of code. Not migrated. Not adapted. Not acquired and integrated. The message format is native to the platform’s data structures — which means every payment message, every compliance check, and every audit record is structured in ISO 20022 from origin.
For US financial institutions preparing for the full industry transition to ISO 20022 — and for fintechs building payment products that will operate alongside those institutions — this is an architectural advantage that cannot be retrofitted. You either built it native or you didn’t.
ACH. Fedwire. ISO 20022. Every major US payment rail in one platform — not assembled from partners, not migrated from a legacy format. Built natively from the first line of code. Real-time validation and compliance checks run before every payment executes. Not after.
adapting a legacy format to ISO 20022 creates edge cases. Building on it from day one does not.
same-day and standard ACH, return codes, prenote workflows. Built in. No third-party ACH provider in the processing path
domestic and international wire transfers with ISO 20022 message formatting native to the workflow. Not routed through a partner rail.
OFAC screening and AML risk score run in the same transaction as the payment instruction. A flagged payment is held, not processed.
payment instruction, compliance check, ledger update. Same system. Same moment. Audit trail complete before the payment settles.
Same-day and standard ACH. Return code handling. RDFI/ODFI processing. Prenote workflows. IAT and cross-border ACH. Built to NACHA specification — not via a third-party ACH provider. Every ACH transaction validated for format, timing, and compliance before execution.
Domestic wire transfers via Fedwire Funds Service. International wire transfers. Real-time settlement confirmation. ISO 20022 message formatting native to the wire workflow. Compliance checks run before every wire is submitted — not after.
The payment messaging standard used by the Federal Reserve for FedNow and Fedwire. Required for cross-border payments under SWIFT's migration. Metagens.ai uses ISO 20022 natively — the data structures, message formats, and compliance fields are part of the original architecture, not a migration project.
Every payment validated before execution: format check, account verification, balance check, compliance screen. Payments that fail validation are rejected before submission — not after. No after-the-fact reconciliation for failed payments.
OFAC screening, sanctions check, and AML risk score run in the same transaction as the payment instruction — before the payment is submitted to the network. A flagged payment is held, not processed. The AML engine runs in the same system as the payments module — same transaction, no API gap.
Real-time visibility into every payment — status, routing, processing stage. End-to-end transaction tracing from origination to settlement. Automated alerts for payment failures, rejections, and compliance holds. Audit trail complete and available from the moment the payment instruction is submitted.
Native architecture — not migrated.
Built on the global messaging standard from the first line of code. Eliminate data loss, latency, and edge cases caused by legacy format translation.
Compliance runs before settlement.
OFAC screening and AML risk scoring happen in the exact same transaction as the payment instruction. Flagged payments are held instantly, never processed.
Both rails in one deployment.
Access domestic and cross-border payment networks directly. Process same-day ACH and real-time wire transfers without routing through third-party gateways.
External payment vendor contracts.
Stop duct-taping payment APIs together. Consolidate your transaction rails, compliance engine, and core ledger into a single unified infrastructure.
The Metagens.ai payments platform — ACH, Fedwire, and ISO 20022 — is built and tested. It operates as the native payments rail within the broader Metagens.ai stack.
The platform is up and undergoing Audit expected to complete in few weeks. During this period, the payments module is available for evaluation, architecture review, and integration planning by teams building US payments infrastructure.
We are accepting notify-list registrations for teams who want to be first in line when US availability opens. If your deployment timeline aligns, speak to us now — the architecture decisions you make today determine how fast you can go live when registration completes.
Notify list → Request a Demo → hello@metagens.ai
ISO 20022 is the payment messaging standard the US Federal Reserve has adopted for FedNow and Fedwire, and that SWIFT requires for cross-border payments. Most platforms have migrated to ISO 20022 from earlier formats — adapting their data structures to fit the standard. Metagens.ai was built on ISO 20022 from the start, meaning the message format is native to the platform's architecture. This produces cleaner data, simpler compliance reporting, and fewer edge cases in cross-border payment processing than a migrated implementation.
The system isready and is bein audited and expected to complete shortly. We are accepting notify-list registrations now. For teams whose deployment timeline aligns, we recommend starting architecture and evaluation conversations during the registration period — not after it completes.
Yes. Most clients deploy Lending + AML + Core Banking first and add the Payments Platform when it reaches full US availability. The shared data model means adding the Payments module does not require re-architecting the deployment — it activates on the existing infrastructure.
Others supports ACH, Fedwire, SWIFT, RTP, and FedNow via their platform integration layer — and added FedNow in 2025. Metagens.ai covers ACH and Fedwire natively, with ISO 20022 as the native message format. The key difference is architecture: Payments capabilities involve bank sponsorship and their managed services layer. Metagens.ai's payments module runs as part of your owned infrastructure — no bank sponsorship bundled in, no services premium on every transaction.
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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