Metagens.ai

Payments & Lending Infrastructure for Modern Financial Institutions

The infrastructure layer that unifies payments, lending, and compliance — built for how US financial services actually works.

Financial infrastructure is broken at the seams.

US banks, fintechs, and lenders are stitching together 5+ vendors to do what should be one job: accept and send money, issue credit, stay compliant, and do it in real time. Every integration adds cost, fragility, and a new surface area for things to go wrong.

Metagens was built to fix that.

We are a Payments and Lending SaaS platform purpose-built for US financial institutions — community banks, credit unions, fintechs, and BaaS operators — who need modern infrastructure without the complexity of building it from scratch or managing a fragmented vendor stack.

What we cover:

Payments — ACH, Fedwire, and ISO 20022 with real-time processing and compliance checks baked in

Lending — Full loan origination and lifecycle management, from application to disbursement to repayment

AML & Compliance — Real-time transaction monitoring, sanctions screening, SAR generation, and investigator workflows

Core Banking — Multi-entity account management, ledger, reconciliation, and product configuration

Card Issuance — Debit, virtual, physical, and tokenized cards with real-time controls and fraud monitoring

Security & Observability — Encryption, key management, and end-to-end system monitoring built into the platform

One API-first platform. The entire financial infrastructure stack. No frankenstack required.

We work with CTOs who are tired of building, CDOs who are tired of legacy, and product teams who need to launch financial products in weeks — not years.

metagens.ai