Grow your crypto platform with unified A2A infrastructure
One integration for onboarding, payments, and risk management. Endless opportunities to grow conversion, approvals, and revenue with pay by bank.
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20%+
Higher first-time user conversion
90%+
Average Guaranteed ACH approval rate
65%
Lower total payment processing costs
Smarter fiat movement
Aeropay connects onboarding, payments, and risk in a single system that optimizes acceptance, withdrawals, and protection.
1. Connect and verify user banks
New users add their bank in under 10 seconds. Aerosync verifies identity, account ownership, and available balance in real time.
2. Approve and guarantee deposits
Every transaction is scored before it happens using AI and Network data. Approved deposits are guaranteed for zero upfront ACH return risk.
3. Move funds instantly and efficiently
Route payments across RTP, Same-Day ACH, and Trusted User paths to make deposits available in seconds and withdrawals paid out instantly.
Activate new users with branded bank connections
Aerosync connects user bank accounts in seconds, verifies account and balance in real time, and returns a reusable, tokenized credential for every future payment.
Convert more users at onboarding
Easily customize and optimize everything from UX to bank availability to build trust. Users choose from 12k+ available institutions for a fast, familiar login experience.
Verify accounts before money moves
Retrieve real-time balance, identity, and account data to confirm users are payment-ready before initiating ACH.
Reuse connections to reduce friction
Securely save user bank details for 1-click transactions.
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Intelligently reduce ACH risk
Guard uses AI models trained on crypto user behavior to approve good transactions while blocking fraud.
Predict and approve good transactions
AI models score every payment using balance, behavior, and network data—so you approve more good users without increasing risk.
Block fraud before it impacts your business
Dynamic guardrails and human oversight identify and stop known fraud patterns, bad actors, and high-risk transactions before they’re initiated.
Get real-time visibility and control
Detailed decline reasons, R-codes, and live feedback loops help you understand failures, recover transactions, and continuously improve performance.
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Unlock the industry's highest-performing money movement
Deliver the speed users expect with optimized payment rails and dynamic routing.
Increase deposit success with intelligent pay-ins
Route every transaction across the optimal rail, including Same Day ACH and instant pay-ins via RfP, to maximize approvals and ensure users can fund instantly when it matters most.
Deliver instant, reliable payouts
Send withdrawals via RTP in seconds, with Same Day ACH fallback to give users fast, predictable access to funds.
Optimize cost and performance with smart routing
Leverage Trusted User routing and dynamic rail selection to move high-value users onto lower-cost rails while maintaining approval rates.
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Guarantee deposit success
Eliminate failed funding experiences with intelligent decisioning and guaranteed ACH.
Lower processing costs
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Scale effectively
Designed for high-frequency transactions, large volumes, and fast-moving users.
America's fastest-growing pay by bank network
Instant onboarding
Build a network of saved customers for instant onboarding and 1-click checkouts.
Millions strong
A new user joins our network every 15 seconds. Recognize them instantly.
Compounding value
Enjoy white-glove implementation and support with a dedicated team of payments experts.