Ionfi by AVALO.
Your Gateway to US and
Global Payment Rails
Multiple partner banks. Segregated named accounts.
Examiner-ready compliance. Fast, resilient, and always on.
Built by Bankers, Designed for Compliance, Powered for Speed
Correspondent banking relationships are disappearing
Especially in emerging markets — where regulated institutions face rising costs, less visibility, and fewer paths to U.S. dollar settlement.
One relationship. Multiple banks. Built-in redundancy.
Access to a network of regulated U.S. partner banks — with intelligent routing, efficient processing, and KYCC-powered compliance built in.
What Changes With Ionfi
From disappearing settlement channels → to a multi-bank network with single onboarding and stable, redundant paths.
From rising examiner expectations → to a proprietary KYCC framework with automated controls and full transparency.
From manual processes and bottlenecks → to streamlined workflows, faster processing, and unified visibility.
From infrastructure gaps that limit expansion → to broader client support, new service lines, and stronger deposit opportunities.
Why Ionfi is Different
Most platforms route payments. Ionfi routes risk.
Unlike a single correspondent relationship, where one disruption can create immediate operational risk — Ionfi routes each payment to the bank best aligned with cost, speed, and your risk profile. Reducing dependency on any single path, and giving you control over how every transaction flows.
What's Inside the Platform
The six capabilities working quietly behind every Ionfi transaction.
Payment Rails Access
Direct access to Fedwire, FX, ACH, and Remote Deposit Capture
Segregated Accounts
Your own named accounts — no pooled accounts, ever
Embedded Compliance
KYCC, KYC, and AML controls built into every step
Full Auditability
End-to-end visibility with dual control and role-based access
Flexible Integration
API, SFTP, or online portal — works with your existing systems
Sub-Account Support
Named sub-accounts for your fintech and PSP clients
Payment Types
IonFX
Institutional-grade FX and treasury execution: transparent, compliant, and fully documented. You always have the answer before the question is asked.
Wire Solution
Near real-time cross-border payments with KYCC-powered monitoring, transparent tracking, and competitive pricing.
ACH
U.S. ACH activity with embedded controls and a workflow designed for regulated institutions — without added operational complexity.
Remote Deposit Capture (RDC)
Modernized check processing with intelligent validation, built-in risk monitoring, and direct Fedwire settlement.
A closer look at IonFX
Stay Liquid. Stay Compliant. Stay Ahead.™
FX spreads are under scrutiny
Treasury teams are asked to justify every rate, every decision — but most platforms leave you with spreadsheets, manual trails, and no clean answer when an examiner asks “How did you arrive at this spread?”
FX Pricing You Can Defend. Documentation That Proves It.
IonFX delivers institutional-grade foreign exchange and treasury execution — fast, transparent, and compliant. With integrated liquidity, embedded approvals, and a full audit trail on every trade. You always have the answer before the question is asked.
Five reasons to choose IonFX
Competitive Rates
Transparent pricing. No hidden spreads.
Seamless Execution
Fast settlement, timed to your rails and cutoffs.
Treasury-Integrated
Execution tied to liquidity, approvals, and reporting.
Integrated Controls
AML and KYCC at quote, trade, and settlement.
Regulatory Confidence
Role-based oversight aligned to your policies.
The IonFX difference
IonFX doesn’t just execute FX — it documents the why behind every rate. That’s the difference between passing an exam and scrambling to explain a spread after the fact.
Built for three kinds of institutions.
Manage your clients' cross-border flows under increasing examiner scrutiny — with the documentation, controls, and audit trail you need on every trade.
Automate FX via API or operate through the dashboard — with the governance backbone your bank partner is required to enforce.
Settle international invoices and manage multi-currency liquidity — with the rate transparency and audit visibility your treasurer expects.