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Aerosync vs. Finicity
Financial data

Financial data you control

See why businesses choose Aerosync for bank data built to move money, not just verify it.

Pay-ins, payouts and funding
Pay, payouts and Guard on one link
Guard screens before settlement
Financial data

Aerosync vs. Finicity

See why businesses choose Aerosync for bank data built to move money, not just verify it.

Aerosync
Standalone financial data infrastructure
Finicity
Mastercard's open banking, lending-first
Product focus
Payments-grade

Pay-ins, payouts and funding

Lending-first

Asset and income verification

Payments
Built in

Pay, payouts and Guard on one link

Data only

Verification for another rail

Risk decisioning
Per payment

Guard screens before settlement

Score only

Payment Success Indicator score

UX flexibility
Differentiator

Unlimited A/B testing, white label

Not documented

A/B testing not publicly offered

Partnership
Focused

Dedicated partner for regulated verticals

Network-owned

A unit of Mastercard

Long-tail coverage
Advantage

12,000+ US FIs, no micro-deposits

Comparable

US and Canada network

Why choose Aerosync

Why businesses choose Aerosync

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Finicity
Finicity

Finicity is Mastercard's open banking business, best known for verification of assets and income in lending and mortgage workflows. For payments, it verifies account details, owners and balances and offers a Payment Success Indicator score aimed at small businesses, but it doesn't move the money: businesses still need a separate processor, and the risk decision stays split across vendors. As a unit inside a global card network, its roadmap follows Mastercard's priorities.

Aerosync

Aerosync was built for account-to-account payments. It links accounts in as little as 15 seconds, and the same connection feeds Aeropay Pay, Payouts and Guard, which screens every transaction before it settles. The flow is fully white-label with unlimited A/B testing, and instant manual verification covers the long tail without micro-deposits across 12,000+ banks and credit unions, all from one focused partner.

Ready to build on better bank data?

Talk to our team about your use case, or start building.