We built the rails we spent our careers looking for
If you’ve ever sat in a Risk Committee meeting and had to kill a profitable program because Operations couldn't handle the volume, you know why we built Trazmo.
If you’ve ever stayed up until 9 PM during month-end close, trying to find where a payment break occurred between the gateway and the core banking system, you know why we built Trazmo.
We didn’t start as a software company. We started as operators.
Our founding team comes from the trenches of banking, credit risk, and supply chain operations. We spent years managing loan books, fighting with rigid legacy systems, and patching things together with spreadsheets. We loved the business of lending, but we hated the friction of the infrastructure.
We realized that while the world was moving toward instant, high-velocity finance, the backend tools were stuck in 2010.
So, we stopped complaining about the infrastructure and decided to build it.
Code that understands Credit.
Most technology vendors build software for bankers. We build software as bankers.
This distinction changes everything about how Trazmo is architected. It’s why we obsess over things that other startups ignore.
- We care more about Double-Entry Ledgers than we do about dark mode.
- We care more about Audit Trails than we do about virality.
- We care more about Uptime than we do about hype.
We built Trazmo to be the bridge between two worlds: The speed of a fintech and the discipline of a regulated institution.
Our Promise to You
No Black Boxes
We believe that in finance, "magic" is dangerous. You need to know exactly why a decision was made and exactly where the money is. We build glass-box systems—transparent, explainable, and auditable.
We Don’t Compete
We made a hard choice early on: We are infrastructure, not lenders. We will never compete for your customer. You own the asset. You own the relationship. We just make the engine run faster.
Boring Operations
We take pride in making your operations boring. "Excitement" in operations usually means something went wrong. We use AI and automation to make your disbursements, collections, and reconciliation completely predictable.
Let’s build the future of lending, safely.
We aren't selling; we are partnering on execution. Whether you are a bank modernizing your stack or a platform embedding credit, we speak your language.