ACH rails
1970s infrastructure
3-day float
Freelance gig economy
$455B annually
growing 18% YoY
Money hits your account the moment the invoice is approved. No waiting, no float.
Spend your earnings instantly. No transfer step, no delay between work and life.
Predictive modeling tells you when the next check clears, so you can plan expenses.
Two lines of code. Any payroll system. Instant settlement for contract workers.
Ex-Adyen product lead. Built instant settlement infrastructure for 40,000 EU merchants. Knows the rails, knows the pain.
Ex-Stripe infrastructure engineer. Owns two ACH-related patent filings. Can build compliant payroll tech in his sleep.
CFO of Robinhood pre-IPO. Guided regulatory strategy through hyper-growth. On our cap table, on speed-dial.
"I'd pay 1.5% for same-day. I already pay 3% to cash a check at a check-cashing shop."
Close pre-seed round. Hire ACH compliance lead. Lock in banking partner.
Launch with 50 hand-picked freelancers. Test instant payout flow. Gather qualitative feedback.
Process first instant payout. Validate unit economics. Lock CAC and LTV assumptions.
Key Milestone: Revenue-positive unit economics by month 18
This round closes July 15.
We have $750K committed.
Sofia Reyes
sofia@orionpay.io