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Paymints

“Can a secure, bank-backed digital payment rail replace wire transfers as the standard for real estate closing transactions?”

IndustryVertical SaaS / Real Estate
The story

Paymints.io launched as a payment technology platform focused on modernizing real estate transactions, partnering with Cross River Bank to facilitate digital fund transfers in lieu of wire transfers. The platform achieved SOC 2 Type II certification in 2022, signaling serious commitment to the security-sensitive real estate sector. By July 2025, the Terms of Use website was operated under CertifID, Inc., a wire-fraud prevention company, suggesting Paymints was absorbed into or became a product of CertifID. The company's core embedded finance angle was replacing risky wire transfers in real estate closings with a secure, bank-backed payment rail powered by Cross River Bank.

Last 12 months
2025-07
Product timeline
2022
Paymints.io achieves SOC 2 Type II certification, demonstrating security controls for real estate transaction platform.· banking
2023
Privacy policy updated under Paymints.io Corp. brand; platform operating as a payment solution for real estate transactions.· pivot
2025
Terms of Use updated; website now operated by CertifID, Inc., indicating acquisition or parent-company relationship with CertifID.· acquisition
Regulated entities
1
regulatory licence held by Paymints
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
3 layers disclosed in Paymints’s embedded-finance stack
Money movement
ACH
Banking / BaaS
in the full report
Sponsor bank
in the full report
Accounting gap: none
2 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.