Braid is enabling small community banks and credit unions to compete with much larger institutions by giving them a sidecar core that runs entirely inside their own cloud account.
The primary core continues to manage traditional retail and branch banking while Braid absorbs the complexity that comes with fintech programs and modern settlement requirements. This sidecar core is designed to handle the modern work their legacy core cannot support on its own: managing real-time ledgering, account creation through APIs, program level controls, transaction monitoring, OFAC and 314A screening, reconciliation, and full support for ACH, wire, and FedNow.
This structure lets community institutions take on advanced use cases with confidence. They maintain full control of their infrastructure and data. They can review every permission, every log, and every piece of business logic. They can prove oversight, enforce compliance standards, and scale safely without depending on outside vendors to run core banking tasks.
This foundation positions community institutions to move naturally into the world of tokenized money. The sidecar core supports native fiat flows and introduces clean, regulated pathways for banks to mint, burn, custody, and settle stablecoins. Instead of forcing banks to replace their core or outsource critical decisions, Braid gives them a controlled way to participate in stablecoin activities and digital settlement while preserving their regulatory posture.
By combining stable infrastructure, transparent operations, and modern money movement tools, Braid helps community banks and credit unions stand shoulder to shoulder with the largest players in the market.
The result is a growing network of institutions that can participate fully in the next generation of payments and settlement while keeping control where it belongs inside the financial institution.
Community financial institutions gain a path to mint, burn, custody, and settle digital dollars with robust compliance controls. This supports stablecoin use cases, cross-border flows, and modern money movement programs that need both fiat and tokenized options.
Banks can create program level virtual FBO accounts that let fintech partners segment funds, track balances, and support embedded finance products. These accounts give clear visibility into flows and keep all ledger activity inside the bank’s own cloud.
Banks can issue named virtual accounts for end users with full ledgering, statements, and reporting. These accounts support instant assignment, program level controls, and clean reconciliation for high volume platforms.
Braid manages intake, validation, posting, returns, and settlement for ACH files. Banks can run both primary and secondary routing strategies, support layered flows, and deliver predictable settlement while maintaining full oversight.
Banks can create incoming and outgoing wire flows with automated OFAC screening, ISO mapping, program level limits, and clean posting to their internal ledger. This supports both traditional users and fintech partners that need high value movement.
Banks can offer instant payments through FedNow with real-time ledgering, pre posting checks, and program level rules. The sidecar core gives banks a structured way to manage instant settlement without stressing their primary system.
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