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Metallicus

Metallicus

Solution(s): Metal Pay
Website(s): metallicus.com (Off-site)
Contact: Frank Mazza, bizdev@metallicus.com

Inclusion of a provider in the exchange does not reflect any recommendation or endorsement by the Federal Reserve, or any relationship between the provider and the Federal Reserve. Learn more.

Services and products to support the FedNow® Service

Metallicus supports financial institutions in implementing the FedNow Service by enabling real-time on- and off-ramps for funds movement through Metal Pay, primarily focused on P2P and account-to-account use cases. Our platform integrates with core deposit (DDA) accounts and allows institutions to leverage FedNow Service rails to facilitate instant funding and withdrawal of funds between bank accounts and digital wallets. This enables members to seamlessly move money in real time when buying, selling or transferring value, with the FedNow Service serving as the underlying payment rail.

Metal Pay provides a mobile- and web-based user experience where retail customers can initiate transactions, while financial institutions maintain control through configurable APIs and back-end systems that manage transaction routing, monitoring and reconciliation. Our infrastructure is core-agnostic and designed to integrate with existing digital banking platforms. From an operational perspective, financial institution staff have visibility into transaction activity and can manage flows between accounts, ensuring proper liquidity and controls are in place. We also support request for payment (RFP) flows and real-time A2A transfers using FedNow Service messaging. Additionally, Metallicus offers sandbox and testing environments to support implementation, allowing institutions to validate flows and user experiences before deployment. This approach allows financial institutions to leverage the FedNow Service as a real-time payment rail while enabling modern P2P experiences and seamless movement of funds between traditional accounts and digital environments.

Segment type(s)

  • Financial Institution Service Provider

Solution type(s)

  • Banking as a Service (BaaS)
  • Digital User Experience (mobile/online interfaces)
  • Digital Wallet Providers
  • Payment Service Providers
  • Payment Testing Platform Providers (including Sandbox Opportunities, proof-of-concept services)
  • Payments Hubs/Platforms/Payment Gateways

Use cases/markets served

  • Bill Pay and Presentment
  • Digital Wallet Funding/Defunding
  • P2P Payments
  • Payroll

FedNow functionality supported

  • Connectivity to the FedNow Service via FedLine® Solutions
  • FedNow Profile Management
  • Receiving FedNow Transactions
  • Sending FedNow Transactions – Business Accounts
  • Sending FedNow Transactions – Consumer Accounts

Ability to integrate with outside core processing solutions

  • Yes, any (core agnostic)

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Note on exchange information

Federal Reserve Financial Services (FRFS) is solely a host for the information presented in this Innovator Exchange and the inclusion or exclusion of a provider should in no way imply any relationship with, or recommendation or endorsement by, the Federal Reserve. Exchange presenters are not utilized by the Federal Reserve for the production or delivery of the FedNow Service. FRFS takes no responsibility for the content or accuracy of the information presented. Users of the exchange should perform their own due diligence on providers. See the Terms of Use and Privacy Policy for additional information.