Fintiq is a payment distribution platform that solves a complex problem: how do platforms split and distribute payments to multiple recipients — vendors, service providers, employees, partners — without the regulatory burden of handling funds directly?

The Problem

Platforms that share revenue face serious operational and legal challenges:

• Manual payment reconciliation taking weeks every month
• Expensive money transmitter licensing requirements
• Complex compliance burdens around KYC, KYB, and AML
• No real-time visibility into payment status
• Building banking infrastructure from scratch

Fintiq eliminates all of this by automating the entire disbursement workflow through a simple API.

How It Works

• FBO account architecture — Virtual fund splitting through a regulated banking partner keeps platforms compliant
• Real-time fund allocation — Platforms specify splits per transaction; Fintiq instantly updates balances
• Automated ACH payouts — Recipients receive transfers on configurable schedules within 1-2 business days
• Self-service onboarding — Recipients complete KYC verification via secure portals
• Compliance infrastructure — Automated KYC/KYB verification, AML monitoring, and audit-ready trails
• Processor agnostic — Works downstream from Stripe, Square, or any existing payment provider

Who It's For

Fintiq serves platforms across 70+ industries that need to distribute payments to multiple parties:

• Food delivery and restaurant platforms
• Marketplace vendors and sellers
• Freelancer and service provider networks
• Tip pooling systems
• Commission-based sales networks
• Rental and event platforms

Our Role

We worked alongside the Fintiq team across product and engineering:

• Product strategy — Shaping the product direction and roadmap
• Dashboard development — The control center for platform operators
• Backend architecture — The API and payment processing infrastructure
• Web application — Self-service portals and management interfaces
• Mobile apps — Native applications for recipients and operators
• Marketing tools — Custom tooling to support go-to-market efforts

The Result

Fintiq enables platforms to integrate payment distribution in 2-4 weeks — without building banking infrastructure or pursuing money transmitter licenses. We helped make that possible by building the product from strategy through implementation.