Real-time payments built for credit unions
Stablecoin-powered settlement. Pennies per transaction. No big-bank middlemen.
Currently in stealth mode. Launching soon.
The payments gap is widening
Consumers expect instant transfers, 24/7 access, and mobile-first banking. Credit unions can’t deliver them on legacy rails.
Wires take days. ACH takes longer. Zelle costs $0.50-$0.75 per transaction and hands your member data to the top 5 banks in the country. Apple Pay, PayPal, and Google Pay treat you as a second-class participant.
Dragon Pay closes the gap. One cloud-native platform connects credit unions, merchants, and members through real-time, low-cost payment rails – including stablecoin settlement at under $0.10 per transaction.
Your brand. Your members. Your data.
One platform. Every rail.
A central processing and clearing platform built for the credit union network. Modular, cloud-native, and white-labeled.
Feature grid (6 items, 2 columns)
- Stablecoin settlement – Near-instant transfers at <$0.10. No 3-day ACH delays. No correspondent banking.
- Real-time payments – FedNow and The Clearing House RTP, built on 24/7, 365 days a year.
- Card networks – Push-to-debit, tokenization, and card payment support out of the box.
- Cross-border – Borderless transfers with minimal FX fees. SWIFT-free.
- Embedded APIs – Drop our payments layer into your existing digital banking. No core replacement.
- Compliance-ready – multi-tiered architecture, security policies, full event logging, regulatory controls.
Pennies, not percentages.
Why are credit unions losing money on every transaction – and what changes with Dragon Pay.
| Payment method | Cost per transaction | Settlement time |
|---|---|---|
| International Wire | $30 – $50 | 1–5 business days |
| ACH Transfer | $0.20 – $1.50 | 3–5 business days |
| Zelle | $0.50 – $0.75 | T+1 (illusion of same-day) |
| Dragon Pay | < $0.10 | Seconds |
Built for credit unions. Owned by credit unions.
If your institution has under $8B in assets, today’s payment networks weren’t built for you. They were built around you.
Dragon Pay flips the model. We give credit unions the same infrastructure that the largest banks use – without the cost, data-sharing requirements, or loss of member relationships.
Outcomes (4 bullets)
- Stay relevant in a mobile-first, real-time economy
- Attract and retain members with the digital services they already expect
- Increase revenue per user and transaction volume
- Unlock new revenue streams: interchange alternatives, product offers, data-driven personalization
Ready to see what your payments infrastructure could look like?