Overview

A leading global investment bank set out to enter and disrupt the transaction banking space by launching a fully cloud-native platform from the ground up. To meet the expectations of modern corporate clients, the bank prioritized advanced ACH processing capabilities and a differentiated suite of value-added services.

Partnering with Volante, the bank built and deployed a multi-rail payments platform in the cloud—delivering a highly scalable, API-driven service with integrated support for US ACH, UK BACS, virtual accounts, and more. Within just eight months, the bank achieved production-grade ACH processing in the cloud and attracted billions in deposits.

About the bank

This institution is one of the world’s most prominent investment banks, known for its innovative approach to financial services and digital transformation. With a strategic objective to expand into transaction banking, the bank set its sights on building an agile, cloud-native platform tailored to the needs of modern enterprises by setting a launch deadline.

Its vision was to combine the credibility of a global brand with the flexibility and speed of a digital-first offering—targeting corporate clients that demand real-time access, intelligent automation, and seamless onboarding.

The challenges the bank faced

Breaking into the transaction banking space required a departure from traditional infrastructure. The bank’s existing ACH systems were not cloud-native and lacked the performance, features, and flexibility required to support high-value corporate use cases.

The bank explored internal build but deemed it too costly and time-intensive to deliver the desired timeline. To compete with established players and digital-native challengers alike, the bank needed a robust, enterprise-grade solution that could be deployed quickly and scaled globally.

How Volante helped

To bring its vision to life, the bank turned to Volante Technologies and its multi-rail, cloud-native Volante Payments Platform. The solution was deployed with integrated support for US ACH and UK BACS, alongside advanced capabilities including virtual accounts, OFAC screening, analytics, Same Day ACH, return monitoring, Positive Pay, and a built-in fraud interface.

The platform’s modular architecture and rich API set enabled rapid onboarding, allowing corporate clients to connect seamlessly while delivering real-time visibility into liquidity and payment flows. Volante’s cloud-native design ensured high performance, operational resilience, and a future-ready foundation for scaling to additional payment rails.

Setting a new benchmark in cloud-native transaction banking

With Volante’s platform, the bank became the first cloud-native transaction bank with full ACH capability, offering advanced processing, real-time liquidity management, and automated fraud controls. Within the first year, the bank onboarded hundreds of corporate clients through APIs—validating market demand for modern transaction banking services.

Building a foundation for long-term growth

Volante’s flexible architecture gave the bank a strong foundation to expand its offering over time. With integrated support for multiple payment rails, robust data analytics, and intelligent automation, the platform is built to evolve with customer needs and regulatory demands.

The Volante difference

Volante Technologies was instrumental in helping this institution build a differentiated transaction banking platform—faster, more affordably, and with less risk than a custom internal build. The solution’s breadth of functionality, cloud-native deployment, and enterprise-grade APIs enabled rapid time to market without compromising performance or compliance.

By combining innovative thinking with proven payments infrastructure, Volante helped transform the bank’s ACH services into a strategic advantage—one that supports high-value corporate clients today and opens the door to continuous innovation tomorrow.