Directory/ARMAI Technologies
ARMAI Technologies

ARMAI Technologies

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  • Due Diligence & Advisory
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  • B2B Payments
  • Borrowing and Lending
  • Payment Settlement
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  • North America
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  • United States
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ARMAI Technologies, Inc.

Accelerate partnerships with AI-driven ERM and vendor risk intelligence - from SOC 2 to bank-grade readiness for stablecoin ecosystem adoption.

As fintechs look to partner with regulated institutions such as banks and credit unions, strong enterprise risk management and compliance readiness become critical to moving from pilot to production.

ARMAI is a purpose-built vendor risk intelligence and enterprise risk management (ERM) platform, trusted by US banks and built by former banking operators with deep regulatory examination experience. ARMAI enables fintechs in the stablecoin ecosystem to become bank-ready faster by proactively addressing compliance, operational, and third-party risk expectations.

Fintech partners can use ARMAI to validate and strengthen their due diligence readiness before engaging with financial institutions. ARMAI is the only platform that enables fintechs to conduct self-examinations aligned with OCC, FDIC, and NCUA guidance, identify gaps, remediate them, and generate a comprehensive, bank-ready due diligence package. This can reduce onboarding friction - cutting partnership timelines from months to weeks.

ARMAI takes fintechs from SOC 2 to bank-grade exam readiness, helping them demonstrate compliance maturity even while internal audits are still in progress. This allows fintechs to engage banks earlier, build trust faster, and position themselves competitively within the stablecoin ecosystem.

For scaling and enterprise fintechs, ARMAI also serves as a self-service ERM platform, supporting continuous control testing, second line of defense functions, and ongoing regulatory alignment. Financial institutions already trust ARMAI to manage risk across their embedded finance programs, making it a natural bridge between fintech innovation and bank compliance requirements.

Use Cases

Stablecoin Product Onboarding

Fintechs building on stablecoin infrastructure often face long onboarding cycles when partnering with banks due to extensive due diligence requirements. ARMAI enables fintechs to proactively prepare for these engagements by conducting self-assessments aligned with OCC, FDIC, and NCUA expectations. By identifying and remediating compliance and control gaps in advance, fintechs can present a complete, bank-ready due diligence package. This can reduce onboarding timelines from months to weeks, allowing faster launch of stablecoin-powered payment, treasury, and settlement solutions.

Stablecoin Compliance Readiness

As fintechs explore stablecoin applications such as cross-border payments, on/off-ramps, and programmable money, regulatory expectations remain high. ARMAI provides a structured framework for fintechs to validate their operational, compliance, and vendor risk posture before approaching regulated institutions. This pre-validation supports fintechs to demonstrate adherence to regulatory standards, improving trust with banks and increasing the likelihood of successful partnerships within the stablecoin ecosystem.

SOC 2 to Bank-Grade Readiness

Many fintechs rely on SOC 2 certification as a baseline, but banks require a deeper level of regulatory alignment. ARMAI bridges this gap by guiding fintechs from SOC 2 controls to full bank-grade exam readiness. Through continuous monitoring, control mapping, and automated risk assessments, fintechs can elevate their compliance posture to better meet regulatory scrutiny. This enables them to engage banks earlier - even before SOC 2 completion - and position themselves as credible, partnership-ready organizations.

Embedded Finance Partnership Readiness

Banks offering embedded finance programs through fintech partners must ensure robust vendor risk management and regulatory compliance. ARMAI is used by financial institutions to assess and monitor fintech partners within these ecosystems. By using ARMAI, fintechs can align with bank expectations from the outset, while banks gain greater visibility into partner risk. This creates a more efficient, transparent, and scalable model for launching stablecoin-enabled embedded finance solutions.

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