Straddle

Straddle is the all-in-one platform for building better bank payments. We're an identity-first, open-banking payments company on a mission to make moving money between bank accounts as seamless and secure as sending a text, so businesses can embed fast, cost-effective payments into any application. Instead of stitching together a messy stack of separate vendors, companies get everything in one API: onboard and verify customers, securely connect to 90% of US bank accounts with Straddle Bridge, and get paid within 24 hours. Our Pay by Bank product delivers debit-like performance without the interchange fees, using same-day ACH and multi-rail money movement across ACH, RTP, and the upcoming FedNow. Trust is built into every payment. Our Identity product combines verification and industry-leading fraud detection directly in the payment flow, while Watchtower confirms balances and scores every transaction in real time to block risky payments without slowing down legitimate ones. Compliance comes standard too, from tokenized PII to AML sanctions screening and transaction monitoring, reducing the cost and complexity of regulatory oversight. Through products like Pay by Bank, Identity, Embed, and Watchtower, Straddle gives SaaS platforms, PayFacs, and marketplaces the next-generation payments infrastructure they need to move money intelligently, securely, and with less friction. Headquartered in Broomfield, Colorado, we're building the modern "Visa" for account-to-account payments.