“Can a secure, bank-backed digital payment rail replace wire transfers as the standard for real estate closing transactions?”
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.
Paymints discloses Cross River as its banking provider, with Cross River Bank, N.A. as its sponsor bank, according to the Embedded Finance Index 2026.
Paymints does not disclose a bank charter of its own; its banking services are provided through Cross River Bank, N.A..
Paymints moves money over ACH.
The Embedded Finance Index 2026 maps 3 layers in Paymints's stack: Money movement (ACH); Banking / BaaS (Cross River); Sponsor bank (Cross River Bank, N.A.).
Get a read on where your own stack stands against Paymints and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.