About Us

Sila is the money API for fintech businesses.

Sila stands alone in that it offers the unique combination of industry-leading technology, access to a network of pre-approved partners in the fintech marketplace, & deep industry expertise & ACH thought leadership. Our vision is connecting the world’s financial networks. Sila’s mission is to make it easy to innovate & program with financial networks.

Sila’s leadership team has been building an exceptional company and offers their expertise to support yours.

The Sila executive team includes exceptional individuals that are recognized leaders in their fields. They include:

Visionaries who played a crucial part in building the infrastructure that would pave the way for online banking.
Individuals who built and led global organizations with thousands of employees, as well as leading and growing startups from the ground up.
Fintech founders and investors with a deep understanding of finance and fintech industries.
Leaders who are involved in shaping the future of ACH, and others that are experts in legal, compliance, marketing, and engineering.

Such an accumulation of talent is unique among banking-as-a-service solution providers.

Sila’s customers stand to benefit from their visionary strengths, their understanding of the regulatory, legal and compliance framework, and their operational expertise, when realizing business goals of their own.

Mike Fitzpatrick

CEO & President

Shamir Karkal

Co-Founder & Chief Strategy Officer

Brendan Coen

Head of Sales & Marketing

Tatiana Semeniakin

Head of Finance

Brian Maher

VP of Operations and Chief Compliance Officer

Tony Ripberger

Head of Engineering

Here is why you should work with us.

Sila’s banking-as-a-service platform offers payment APIs and digital wallets for financial products and fintech projects.

“Sila has helped many customers leverage the ACH Network as they build their business.”

— Shamir Karkal, Co-Founder & Chief Strategy Officer

We’ve been there, done that.

Premier ACH API

Go-to, industry-leading ACH API for fast, secure, and scalable money transfers.

Developer Friendly

Straightforward API code, dashboards, SDKs, documentation, and best-in-class financial technology.

Compliance First

Systems and processes adhere to all U.S. regulatory compliance requirements and industry best practices.

Free Sandbox Environment

Testing environment provides access to ACH Transfer, Digital Wallet, Bank Account Linking, and KYC/KYB APIs.

Fast & Secure Transfers

API endpoints orchestrate transfers among bank accounts, digital wallets, and virtual accounts in a secure and reliable environment.

Fintech Partner Ecosystem

Easily integrate apps, additional functionality, and embedded finance products with pre-approved partners.

Our Infrastructure Moves You Forward Faster

Accessible and Future Proof

A public sandbox, clear documentation, and simple APIs provide a gateway to the existing financial system and trustless networks in a way that none of our competitors can match.

Powerful

Sila aggregates all services needed to build a programmable financial product on one platform, either directly through us, or through our expansive and ever-growing partnership network.

Affordable

We offer equivalent or better pricing than the competition.

Fast

Lightning fast money transfers can be performed using our innovative and unique suite of ACH-related products.

Risk-Reducing

By working to establish several backend bank partnerships, Sila is on track to offering our customers a choice. Enjoy some peace of mind knowing that Sila’s enhanced ID verification features and industry-leading fraud detection tools are there to help keep your platform secure.

Faster-to-Market

Forget the hassle of searching for bank partners who understand your business, or figuring out their antiquated software; we’ve already done all the heavy lifting.

Partners

To truly revolutionize banking-as-a-service and spark the next generation of financial innovation we’re going to need a little help. We’ve already partnered with the top innovators across banking, identity, and finance, incorporating their most powerful features into the Sila API. We’ll continue to invite new partners to join us on this journey and introduce countless new features and tremendous opportunity for you.