Fintech Perspectives from Sila • The Money API for Fintech

Fintech Perspectives

Fresh thinking in the world of payments, banking and tech.

Featured Articles

March 1, 2024

A Closer Look at ACHNow: Transforming Traditional Payments into Instant Solutions

Discover the revolutionary ACHNow by Sila: the game-changer in the US payment industry, making instant financial transactions a reality.

August 1, 2022

Understanding the 9 Major Types of Financial Institutions

In today’s market, financial institutions help businesses and individuals with money services that range from deposits to withdrawals, money transfers, lending, investments, and so much more.

June 30, 2022

Sila Proudly Announces $13m Series A Funding

Sila has worked hard to become the leader in embedded fintech, and we’ll continue our growth trajectory—the sky’s the limit.

March 30, 2026

Real-Time Payments and the Power of Irrevocability: Why Finality is So Valuable

The real advantage of real-time payments isn’t just speed, but certainty, irrevocable transactions that are final, reduce fraud, and create predictable cash flow. By eliminating reversals and operational friction, they improve efficiency and unlock new fintech models like real-time lending and instant payouts.

February 23, 2026

User Experience and Instant Payments: Why Your Customers Expect Settlement in Seconds

You know the feeling. You initiate a payment in an app and then wait. You watch the confirmation screen. You refresh. You check your email. You wonder if it went through. That uncertainty is a tiny anxiety spike.

February 23, 2026

Agentic Payments: The Next Frontier in Fintech Automation

When you think about AI in fintech, you probably think about fraud detection or lending decisions. Smart applications of machine learning to problems that humans solve slowly. But there's a frontier emerging that's more interesting: agentic payments.

February 23, 2026

The Payment Orchestration Trend: Do You Really Need a New Platform

There's a new term floating around fintech: payment orchestration. It sounds complicated. And depending on who you ask, it either is or isn't. Here's the unfiltered version: payment orchestration is the trend that solves the problem created by too many payment platforms.

Most Popular Articles

Open banking was supposed to disrupt everything. Data access. Integration. Competitive dynamics. It did. But it wasn't the disruption anyone expected. Open banking opened up account data: balances, transactions, and identity. Third parties could read a customer's financial life.

February 23, 2026

Cash Flow Redesign: How Instant Payments Changes Everything

Most fintech teams measure payment success by one metric: did the transaction go through? But there's a second metric that matters more: how fast does the money reach your account?

February 23, 2026

Multi-Rail Payment Routing: When One Payment Rail Isn't Enough

You've decided to implement instant payments. Good. You've recognized that 2-3 day ACH is a competitive liability. Now comes the hard part: figuring out which rail to use.

February 23, 2026

Request for Payment: The Hidden Gem in ACH Modernization

You've probably heard about RTP and FedNow. But there's another innovation in the real-time payments space that hardly anyone talks about: Request for Payment, or RfP. It's not flashy. It doesn't have the marketing hype of instant settlement. But for certain use cases, it's better.