Financial Infrastructure
Built for Builders
Enterprise-grade core banking and payment APIs — without the enterprise complexity. From a single Erlang/OTP runtime to your first production transaction.
Trusted by forward-thinking financial institutions
Kinetic Core replaced our legacy system in 4 months. We went from 3-day settlement to real-time, and our compliance team finally stopped losing sleep.
The Flow APIs are the cleanest I've worked with in fintech. We had our first payment processing in sandbox within an hour of signing up.
Double-entry ledger out of the box with full audit trails. That alone saved us 6 months of engineering time we would have spent building it ourselves.
Core Banking & Payment API Products
Whether you are building core banking systems or developer-first payment APIs, Kinetic provides the infrastructure you need.
Enterprise-Grade Banking & Payment Features
Every feature is designed to meet the demands of modern financial applications.
Kinetic Core
Digital Account Management
Comprehensive account lifecycle management with built-in compliance workflows.
Real-Time Payment Rails
Instant payment processing with sub-second settlement and full transaction traceability.
Card Issuing & Processing
Physical and virtual card infrastructure with real-time authorization and fraud protection.
Compliance Tooling
KYC/AML built-in with configurable rules engine for regulatory requirements.
Kinetic Flow
RESTful APIs
Clean, well-documented APIs designed for developer experience and easy integration.
Webhooks & Real-Time Events
Push-based event delivery with automatic retries and guaranteed ordering.
Sandbox Environment
Full-featured test environment that mirrors production with simulated edge cases.
Multi-Language SDKs
Official libraries for JavaScript, Python, Ruby, Go, Java, and .NET.
Ship payments in minutes, not months
Clean RESTful APIs with built-in idempotency, real-time webhooks, and sub-second settlement. Every endpoint returns consistent, well-documented JSON — no XML, no SOAP, no surprises.
- Idempotent by default — safe retries built in
- Real-time webhooks with guaranteed delivery
- Full sandbox mirroring production
- SDKs for JavaScript, Python, Go, Ruby, Java, .NET
curl 'https://api.kineticfintech.com/v1/payments' \
-X POST \
-H 'Authorization: Bearer sk_live_...' \
-H 'Idempotency-Key: pay_unique_123' \
-d type=ACH_CREDIT \
-d amount=250000 \
-d currency=USD \
-d description='Invoice #1042' \
-d counterparty_id=cpty_8xKm2...{
"id": "pay_3Nk9xRf2v1BqYz",
"type": "ACH_CREDIT",
"amount": 250000,
"currency": "USD",
"status": "submitted",
"description": "Invoice #1042",
"rail": "ach",
"created_at": "2026-04-14T10:32:47Z",
"settled_at": null,
"idempotency_key": "pay_unique_123"
}