Modern Money Movement built for Credit Unions and Community Banks – Powered for the Future
A.I. Intelligent Routing. All Payment Rails Including StableCoin. One Platform. No big-bank middlemen.
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.
DragonPay provides one intelligent orchestration layer capable of connecting traditional payment rails, including ACH, debit, credit cards, FedNow, RTP, merchant acquiring, and cross-border payments, with emerging technologies such as regulated stablecoins and programmable payment infrastructure.
Wires take days. ACH takes longer. Zelle costs $1.50 – $2.00 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.
DragonPay closes the gap. One cloud-native platform connects credit unions, merchants, and members through real-time, low-cost payment rails – including stablecoin settlement.
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
- 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 DragonPay.
| 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 | $1.50 – $2.00 | T+1 (illusion of same-day) |
Built for credit unions. Owned by credit unions.
DragonPay strengthens institutional independence. Rather than inserting itself between the member and the financial institution, the platform operates behind the scenes under the institution’s brand, ensuring the credit union or community bank remains the primary customer relationship.
If your institution has under $8B in assets, today’s payment networks weren’t built for you. They were built around you.
DragonPay 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
- 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?