Tim DraperFounder and Managing Partne, Draper Associate · I back the ideas that look crazy first

Swirepay is building an orchestration layer that connects multiple banks with AI 🤖

13 Feb 2026 · 1 min

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Swirepay built a platform that lets businesses connect to multiple banks and payment systems at once, from FedNow to Bitcoin. AI handles reconciliation, fraud detection, and pricing optimization. Banks like BNY use it to reach customers and their vendors without building the infrastructure themselves.

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Do you think this is one of those things that little by little the banks just chip away at you and you end up being at their mercy? Or is it something where you get to control the end user?
We have an orchestration layer that helps businesses connect with multiple banks and payment rails, supporting both traditional as well as instant payments such as FedNow, RTP, and stablecoins. And Bitcoin too? Yes. Now they can use AI for reconciliation, anomaly detection to prevent fraud, as well as get better business insights. This is why banks partnered with us. BNY, for example, took us to go to their customers like First American and their vendors and be like, hey, I'm not giving you a rail, I'm giving you a solution. And that's how they can compete with Silicon Valley companies. The orchestration is just a hook to get the data. It reads that data and helps better optimize pricing.