AI-native ledger for fintech infrastructure. Replace the recon team, keep the audit trail.

AI for accountability

Autonomous economics for fintech infrastructure.

Every provider charge verified. Every client invoice generated. Both sides of every transaction running through the same AI-native ledger.

API-first. Provider-agnostic. Never in the flow of funds. Bluefyn reads contracts on both sides and writes verified economics back into the systems your team already runs.

One transaction. Both directions. Same ledger.

Canonical event

USDC on-ramp$8,200

Live

↓Provider charge

Contract24 bps

Billed47 bps

Verified. Disputed.

↓Client invoice

ContractTier 3

Billable$45.92

Rated. Invoiced.

SOC 2 Compliant
Never Movesor Holds Funds
Operatorand VC Backed

ReconciliationWise

BFN-WISE-UKApril 2026

2 open

Expected

$7,491.20

Billed

$7,586.50

Variance

+95.30

1.27% over

Open items

2/6

Line itemExpectedBilledVariance

USD transfer fee$1,039.50$1,062.30+$22.80

FX margin$1,347.50$1,420.00+$72.50

GBP transfer fee$2,301.20$2,301.20match

EUR transfer fee$1,716.00$1,716.00match

+$95.30variance on this invoice.2 line itemsneed review

Provider charges drift from contract

The invoice arrives, finance signs off, and the variance disappears into the cost line. Tiers, FX spreads, and settlement deductions are too tangled to verify by hand at transaction volume. The leakage compounds, quietly, on the cost side of your P&L.

AnalyticsFee Leakage

6 providers monitoredQ2 2026

Q2 2026

Discrepancies

357

Fee leakage

$376K

Recovered

$198K

77% rate

Avg resolve

7.4d

Provider breakdown6

Airwallex

$187,40089

64 resolved·25 pending

Worldpay

$214,30072

61 resolved·11 pending

Stripe

$156,80090

61 resolved·11 pending

Client billing breaks the same way, at scale

When you bill your own clients off the same messy stack, the math breaks twice: once on the cost side, again on the revenue side. Tiers, minimums, FX markups, and contract versions multiply across clients, and finance is left rebuilding it manually every period.

Provider charge · verifiedOvercharge detected

PROVIDER CHARGED+51%

0.68%Amount billed: $1,280

ACTUAL CHARGE0%

0.45%Amount: $1,080

Overcharge detected

Client invoice · INV-0421Audit-traced

CLIENTContractBacking eventsBillable

NorthStarv3247$4,820

Apex Globalv2184$3,650

Meridianv192$2,140

PayQuickv4318$6,290

InfiniteDebtv276$1,890

NorthStarv3203$3,940

Audit ready

Provider side

Verify what your providers charge.

Bluefyn reads your provider contracts (tiers, FX clauses, settlement terms) and rebuilds them as deterministic pricing logic. Every fee on every transaction gets compared against that ledger. When something drifts, you get evidence-backed discrepancies, agentic dispute drafting, and a recovery rate you can put on a board slide.

Client side

Power what your clients owe.

Rate every transaction against your client contracts and ship audit-traced invoices, real-time or end-of-month. Every line item links back to a backing event in the canonical ledger, so disputes resolve fast and finance closes the period without the spreadsheet handoff.

What you replace

The work used to require a team.
Now it’s the system.

Fintech analysts pulling provider invoices into spreadsheets. Quarter-end consultants. Audit-prep work that grows every year. Bluefyn does the work continuously.

TodayThe legacy stack

Provider · Apr 20262 open

USD transfer fee+$22.80

FX margin+$72.50

GBP transfer feematch

+$95.30 needs review

Provider invoices in PDFs and CSVs
Reconciliation in spreadsheets, FloQast, BlackLine
Client billing in custom internal tools
FX, tier, and corridor logic in someone’s head
Analysts, controls teams, quarter-end consultants

With BluefynThe same events, both sides

TXN-2026-04-1186Verified

Provider24 → 47 bps+23 bps recoverable

Client$45.92Added to INV-0423

One event, both sides reconciled

Verified against contract automatically
One canonical ledger
Generated from the same events
Encoded, versioned, auditable
A system that runs continuously

Why not just hire

You can. Most companies do.

They hire a fintech analyst. Then another. Then a controls team. Then a senior controller to manage them. Then consultants when the team can’t keep up. The cost grows with transaction volume. The accuracy doesn’t.

Bluefyn is the alternative path. Encode the logic once. Run every transaction through it. Add providers, corridors, and clients without adding people. The system gets sharper as your business gets more complex, which is the opposite of how a manual function scales.

01
Provider-agnostic.
Every PSP, bank, FX provider, and on/off-ramp encoded once. New providers added without engineering work on your side.
02
Continuously updated.
Contracts change, tiers shift, fees move. The logic stays current. Every customer benefits from every encoding.
03
API-first.
No new platform to log into. Bluefyn delivers verified economics directly into your existing systems.
04
Agents that fit your workflow.
Bluefyn agents conform to how your team already operates. Disputes route through your channels. Invoices land in your billing stack. Discrepancies surface where your finance team already works.

Negotiate from evidence.

Every provider renewal starts with a transaction-level record of where they overcharged. The conversation changes.

Close the period continuously.

Real-time client invoicing from the same events that verify your costs. Quarter-end becomes a non-event.

See unit economics, transaction by transaction.

Which corridors make money. Which clients are unprofitable. Which products don’t pencil. Decisions stop being directional and start being numerical.

Scale without scaling the function.

New providers, new corridors, new clients absorbed into the same logic. Headcount stays flat.

Cross-border payment platforms.

Every new corridor adds a contract, a fee structure, and another place leakage hides.

Embedded finance and BaaS programs.

You own the customer and the margin. A vendor owns the rails. The accountability gap is yours to close.

Stablecoin and on/off-ramp providers.

USDC, FX corridors, multi-currency markups. Spreads hide leakage on both sides of every transaction.

Layer 1

Canonical event ledger

Every transaction lands as a canonical event with the contract terms attached on both sides: provider expected cost, client expected billable. Deterministic, reproducible, traceable to a clause.

Layer 2

AI-assisted agent layer

Discrepancy investigation, agentic dispute drafting on the provider side, invoice anomaly detection on the client side, contract extraction and rule encoding. Agents work on the ledger, never around it.

Layer 3

Human oversight and decision

Finance, operations, and compliance teams retain full control of every judgment. Every dispute, dispute response, and invoice line carries an audit trail back to the ledger.

Built by someone who lived this problem at scale

Scaling Deel from $5M to $1.5B ARR while managing global payments infrastructure gave our founding team a front-row seat to a problem nobody was solving. At every stage of that journey, one question kept coming up:

“Are our providers actually charging us correctly?”

Nobody had a good answer. That's why Bluefyn exists.

Zack Shooter

Co-Founder and CEO, Bluefyn

Previously led payments infrastructure, provider procurement, and financial compliance at Deel.

Djordje Milosevic

Co-Founder and CPO, Bluefyn

Previous Head of Treasury Product at Deel, across payments, reconciliation, and general ledger.

Bluefyn put our economics on autopilot. Provider costs in, client billing out, real P&L in the middle, with no engineering lift on our side. We scale without friction.

Nabeel Alamgir

CEO, Fin.com

Bluefyn is AI for accountability. Every provider charge verified, every variance caught. They find margin in places we didn’t know to look.

Kenneth O’Friel

CEO, Toku

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Join the teams already running their full transaction P&L on Bluefyn.

Autonomous economics for fintech infrastructure.