Backed by community banks across the country
Reading Cooperative Bank
Chesapeake Bank
Liberty Bank
Emprise Bank
Mercantile Bank
First Northern Bank
Savers Bank
CFG Bank
Coastal Comunity Bank
Thomaston Savings Bank
North Easton Savings Bank
Middlesex Federal
American State Bank
Bank Midwest
Cornerstone Bank
Locailty Bank
Bristol County Savings Bank
First Financial Bank
First Fresno Bank
Deposits leave as business customers fund PayPal, Venmo, and fintech wallets instead of keeping balances at the bank.
Vertical SaaS platforms are quietly becoming their customers' financial operating systems — processing payments, holding float, and owning the relationship.
THE PROBLEM
Payments are leaving the bank. Deposits are following.
Community and regional banks are losing relevance in small business payments — not because they lack the relationships, but because they lack the tools.
Daily engagement disappears when payments happen outside the bank's digital environment. Banks keep the account but lose primacy.
"Every business needs to make payments. Not everyone needs a loan today."
CFO, Community Bank · Rebolt Investor Bank
"We saw our customers using more third-party payment services. We needed to give them a reason to stay"
CEO, Community Bank · Rebolt Investor
"Our customers want to solve a problem — not choose a rail."
Chief Deposit Officer, Regional Bank · Rebolt Investor
WHY EXISTING OPTIONS FAIL
Banks have tried to solve this.
Nothing has worked.
Every traditional path forward leaves community banks subsclae, over-reliant, or simply too late.
01
Core-Based Soltions
Simple, integrated, safe
WHAT BANKS EXPECT
WHAT they get
Undifferentiated functionality. High fees and minimums. Innovation tied to the core roadmap.
Core providers keep the lights on — they will never help you win on payments.
02
3rd Party Payment Hubs
Modern rails, broader coverage
WHAT BANKS EXPECT
WHAT they get
Long-term lock-in. Forced migration of existing payments. Little influence over product direction.
Payment hubs trade one dependency for another — high switching costs, little strategic upside.
03
API-Only Platforms
Flexibility and control
WHAT BANKS EXPECT
WHAT they get
Raw infrastructure. Full product, compliance, and GTM burden. Subscale economics.
Banks aren't product companies. API providers leave you to do the hardest part alone.
04
Wait & Fast Follow
Optionality, lower risk
WHAT BANKS EXPECT
WHAT they get
Payments move elsewhere. Fintechs gain relationship primacy. Banks lose relevance quietly.
Inaction is not neutral. It's a slow concession of deposits, engagement, and relationship primacy.
Bank Infrastructure
COCC
Jack Henry
Q2
HOW REBOLT FITS YOUR STACK
Financial Institution
Business Online Banking · Mobile · Internal Systems
Rebolt
Orchestration · Products · Analytics · Customer Experience
Rebolt Universal Connector
Core Integrations · Digital Banking Providers · Payment networks
Single Integration point · No rip-and-replace
PAYMENTS
PayPal / Venmo
RTP / FedNow
Stablecoins
The Rebolt Difference
A payments platform ownedby the banks that use it.
Rebolt integrates directly on top of your core and into business online banking via single sign-on — then continuously delivers modern payment products that strengthen customer relationships.
Bank-owned utility
Your bank owns a piece of the platform. No vendor lock-in, no external roadmap to follow. Investor-banks shape what gets built.
Shared product development
Customer discovery and product decisions happen as a group. Your bank benefits from insights across the entire network.
Payments as a profit center
Flat monthly fee, transaction pass-throughs at cost. No minimums. Designed to generate revenue from day one.
Customer-centric, not rail-centric
Your customers don't care what rail moves their money. Rebolt delivers solutions embedded in your existing digital banking.
Trusted by Community Banks
Built with banks.
Backed by banks.
Rebolt's bank investors aren't passive — they're practitioners. CEOs, CTOs, and innovation officers who told us what was broken and helped us build something better.
"
Every business needs to make payments. Not everyone needs a loan today.
CFO, Community Bank
Rebolt Investor Bank
"
We saw our customers using more third-party payment services. We needed to give them a reason to stay.
CEO, Community Bank
Rebolt Investor Bank
"
Our customers want to solve a problem — not choose a rail. Rebolt finally gives us something to offer them.
Chief Deposit Officer, Regional Bank
Rebolt Investor Bank
Ready to own your
payments destiny?
Whether you're evaluating Rebolt for your bank or interested in being part of building it, we'd like to talk.