← Embedded Finance Index 2026

Truss Payments

Can a construction-focused fintech become the default financial OS for contractors by bundling banking, payments, invoicing, and crew card management on top of an embedded BaaS stack?

HQUnited States
IndustryVertical SaaS / Construction
The story

Truss Payments (operating as MazumaGo Inc. dba Truss) is a vertical fintech targeting the construction industry with an all-in-one banking and payments platform. The product bundles business checking (via Thread Bank), invoice collection, bill pay, crew expense cards, and early payment availability into a single construction-focused tool. The embedded finance angle is explicit: Thread Bank provides the regulated banking backbone (FDIC-insured deposits, card issuing) while Truss operates as the program partner managing the account experience for contractors, subcontractors, and project managers.

Last 12 months
2025-05
2025-07
Product timeline
2025
Launched banking product (business checking, bill pay, invoicing, crew cards) powered by Thread Bank for the construction industry under the legal entity MazumaGo Inc. dba Truss.· banking
2025
Launched Early Payment Availability Services (Instant Withdrawals and Balance Protection) as optional financial services for construction businesses.· lending
The stack
4 layers disclosed in Truss Payments’s embedded-finance stack
Money movement
ACH
Banking / BaaS
in the full report
Lending
in the full report
Sponsor bank
in the full report
Accounting gap: significant
4 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.