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← Embedded Finance Index 2026

Fintech Automation

“Can a middleware/API layer become the default modernization path for community banks to plug in embedded finance without ripping out their core?”

HQDallas, TX, USA
IndustryInfrastructure / BaaS
The story

FinTech Automation is a Dallas-based banking infrastructure and consulting firm serving community banks and financial institutions. Its ModernRails platform, powered by the proprietary AccelerationCloud API middleware, offers core-agnostic banking, payments (including FedNow), wealth management, and compliance modules. The company positions itself as a fintech-as-a-service integrator, bundling third-party partners (AWS, Charles Schwab, Finicity, Austin Capital Trust) into a unified marketplace for banks.

Last 12 months
2025-12
2025-07
Product timeline
2022
Named Top 10 FinTech Solution Provider and included in the 2022 WealthTech 100 list· recognition
2024
Announced support for the FedNow Service instant payments rail· banking
2025
Stearns Bank partnership announced to modernize community banking services via ModernRails platform· banking
The stack
7 layers disclosed in Fintech Automation’s embedded-finance stack
Payments / PSP
FedNow (via ModernRails)ACHWiresSWIFTCheck processing
Money movement
in the full report
Banking / BaaS
in the full report
Ledger
in the full report
Open banking
in the full report
Sponsor bank
in the full report
Investing
in the full report
Accounting gap: none
10 more providers across 6 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.

Fintech Automation — frequently asked

What bank does Fintech Automation use?

Fintech Automation discloses ModernRails (in-house), Stearns Bank (partner) and Austin Capital Trust (partner) as its banking providers, with Stearns Bank as its sponsor bank, according to the Embedded Finance Index 2026.

Is Fintech Automation a bank?

Fintech Automation does not disclose a bank charter of its own; its banking services are provided through Stearns Bank.

Who is Fintech Automation's payment processor?

Fintech Automation processes payments through FedNow (via ModernRails), ACH, Wires, SWIFT and Check processing. Disclosed money-movement rails: ACH, FedNow and SWIFT.

What ledger does Fintech Automation use?

Fintech Automation runs its ledger on AccelerationCloud (in-house).

Which open banking provider does Fintech Automation use?

Fintech Automation connects to bank accounts through Finicity.

Who powers Fintech Automation's investing products?

Fintech Automation's investing and wealth products are powered by Charles Schwab (partner).

What is Fintech Automation's embedded finance stack?

The Embedded Finance Index 2026 maps 7 layers in Fintech Automation's stack: Payments / PSP (FedNow (via ModernRails), ACH, Wires, SWIFT and 1 other); Money movement (ACH, FedNow and SWIFT); Banking / BaaS (ModernRails (in-house), Stearns Bank (partner) and Austin Capital Trust (partner)); Ledger (AccelerationCloud (in-house)); Open banking (Finicity); Sponsor bank (Stearns Bank); Investing (Charles Schwab (partner)).

Where is Fintech Automation headquartered?

Fintech Automation is headquartered in Dallas, TX, USA.

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