Fluz has officially entered the embedded finance space with the launch of Fluz Platform, a solution designed to transform how software companies and marketplaces handle payments. Since its founding in 2018, Fluz has processed more than $5 billion in consumer and business payments. Now, the company is opening up that infrastructure to power seamless, in-product financial experiences for other platforms.
At its heart, Fluz Platform is about removing friction. What was once a complex, back-office function—managing payment rails, compliance requirements, reconciliation, and vendor integrations—is being streamlined into a modern, intuitive money movement experience. Instead of redirecting users off-platform or forcing businesses to juggle multiple providers, the platform embeds payments directly into the software products people use every day.
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Over the years, Fluz has supported a wide range of use cases, including rewards programs, disbursements, payouts, and bill payments. With the launch of Fluz Platform, that same proven infrastructure is now accessible to fintech companies, marketplaces, and financial services firms whose products depend on reliable, scalable payment systems.
One of the biggest challenges software companies face is delivering smooth, branded payment experiences while navigating regulatory and operational complexity. Fluz Platform addresses this by supporting embedded pay-ins, digital wallets, controlled spend, rewards, and disbursements through a single, configurable system. The goal is to simplify integration and eliminate the need to stitch together multiple vendors just to enable basic payout flows.
Maurice Harary, CEO and founder of Fluz, explained that platforms often face an uncomfortable choice: compromise user experience by sending customers off-platform or invest months in building and integrating fragmented payment systems. In his view, neither approach is sustainable in today’s fast-moving digital economy. Payments should feel invisible and intuitive, allowing product teams to focus on innovation while infrastructure runs seamlessly in the background.
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The platform manages compliance, reconciliation, and payment network connectivity, effectively serving as the financial backbone for embedded payment experiences. Early traction includes fintech platforms, marketplace operators, and financial services firms integrating payouts, incentives, and rewards directly into their ecosystems.
Vince Chiofolo, who joined Fluz to lead business development and partnerships for the new platform, highlighted a shift in user expectations. Today’s recipients compare every payment experience to the best consumer apps they use daily. Delays or clunky interfaces quickly erode trust and engagement. Fluz Platform aims to elevate payments from simple transactions to flexible, instant, and frictionless experiences without requiring companies to become banks or build infrastructure from scratch.
The platform’s low-to-no-code architecture further lowers barriers to adoption. It is already supporting diverse use cases, including employee rewards programs, creator and influencer payouts, customer rebates and refunds, and incentive management—all operating on a unified infrastructure.
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Security and compliance remain central to the offering. Fluz Platform is SOC 2 Type II certified, maintains PCI DSS compliance, and adheres to bank-level security standards. As embedded finance becomes a defining feature of modern software, Fluz is positioning itself as a partner that combines technical simplicity with enterprise-grade trust and scalability.
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