Fluz, a fintech company founded in 2018 specializing in consumer and business payment solutions, today launched Fluz Platform. This new offering expands Fluz into the embedded finance market, allowing software companies to embed native, frictionless money movement experiences—such as instant payouts, rewards, controlled spend, wallets, and bill pay—directly within their applications.
Software companies increasingly rely on payments as a core feature—whether for payouts to users, rewards to customers, or disbursements to partners—but building or integrating reliable payment infrastructure remains complex. Fluz Platform removes these barriers by providing a single, configurable system that handles compliance, reconciliation, payment network connectivity, and fraud controls. This allows developers to focus on product innovation while delivering modern, app-native money experiences that match user expectations from leading consumer apps.
The platform supports multiple payment rails—including ACH transfers, instant bank payouts, push-to-debit, push-to-wallet, gift cards, open-loop prepaid cards, and bill pay—enabling flexible, instant delivery with full traceability and control.
“We’ve watched platforms struggle with this problem for years—either they compromise the user experience by sending customers off-platform, or they spend months stitching together multiple vendors just to get a basic payout flow working,” said Maurice Harary, CEO and founder of Fluz. “Neither option makes sense. Platforms should focus on building great products, while payments work the way users expect them to.”
“Moving money isn't enough anymore,” said Vince Chiofolo, Business Development & Partnerships Lead at Fluz. “Recipients compare every payment to the best apps they use daily. Anything less kills engagement. Fluz Platform turns payments from transactions into experiences: instant delivery, complete flexibility, and zero friction—all without companies having to build the infrastructure or become the bank.”
With embedded finance projected to grow rapidly as software companies seek to own more of the customer journey, Fluz Platform positions itself as a turnkey infrastructure layer. By leveraging Fluz’s existing scale and compliance foundation, the platform enables faster go-to-market, higher user satisfaction, and stronger retention for fintechs, marketplaces, SaaS platforms, and other digital businesses.
This launch reflects Fluz’s evolution from a consumer and B2B payments provider to a comprehensive embedded finance partner, supporting both high-volume B2C and B2B use cases with modern, secure, and scalable money movement.
About Fluz
Founded in 2018, Fluz is a fintech company delivering modern payment solutions across B2C, B2B, and embedded finance use cases. The company supports a wide range of payment methods, including gift cards, open-loop prepaid cards, ACH transfers, instant bank payouts, push-to-debit and push-to-wallet transactions, and bill pay. Fluz is headquartered in New York City’s SoHo neighborhood.
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