Financial Operating System

A set of APIs and infrastructure that lets any company move, store, and manage money at scale.

The term "financial operating system" isn’t a regulated category, it’s a strategic idea. It describes platforms that offer multiple building blocks for handling money: payments, lending, accounts, cards, tax compliance, fraud detection, and more. All wrapped in clean APIs and dashboards.

Companies like Stripe, Adyen, Modern Treasury, and others aim to provide this end-to-end layer. The goal is to replace cobbled-together systems and manual processes with programmable, scalable infrastructure.