The whole payout, run end to end.
DiscoFi calculates what each recipient is owed, routes the fastest rail their bank accepts, pays in 60 seconds or less on instant rails,* See Instant Pay disclosure and reconciles every transfer to one ledger.
Banking services provided by FinWise Bank, Member FDIC.
Watch money move.
From approval to settlement, DiscoFi handles the entire payout.
Earned. Approved. Paid.
One system from obligation to settlement.
Four stages. One system.
Most platforms move money. DiscoFi also knows what’s owed and proves where it went.
Calculate
Know exactly what’s owed before anything moves. DiscoFi computes each recipient’s number from the splits, rates and deductions you define, so a settlement starts from an amount you can defend, not a spreadsheet you have to.
Splits · rates · deductions · per-recipient amounts
Route
Every payment takes the fastest rail its recipient’s bank accepts, chosen automatically from RTP, FedNow, Visa Direct and ACH. When a rail declines, DiscoFi retries on the next one without anyone re-keying a payment.
RTP · FedNow · Visa Direct · ACH · automatic retry
Pay
Funds land in the bank account the recipient already has, typically in 60 seconds or less on instant rails.* See Instant Pay disclosure ACH payouts settle on standard ACH timelines.
Money in the recipient’s own account · live status on every payment
Reconcile
Every transfer writes its own double-entry ledger legs the moment it moves, so the books are not a job that happens after settlement. One ledger, live payment status, audit-ready records.
Double-entry ledger · immutable event history
Built for the people running settlement.
The dashboard is the finance team’s view of the same system the API drives.
Send one or a batch
A single appearance fee or a full settlement night runs through the same flow, with per-recipient amounts already computed.
Live status on every payment
Watch each payout move from processing to paid as it happens, without refreshing or exporting anything.
Books that close themselves
The ledger entries exist the moment the money moves. What used to be a reconciliation week is a report you open.
Recipients keep their own bank.
Each payout reaches its recipient through a secure claim link, and the money lands in the bank account they already have. On instant rails, that typically means funds in 60 seconds or less.* See Instant Pay disclosure
Compliance is built in, not bolted on.
Paying thousands of independent recipients is a compliance problem before it is a payments problem. DiscoFi ships with the controls regulators and bank partners expect.
KYB & KYC
Business verification, beneficial-owner checks and recipient screening in the onboarding path.
Transaction monitoring
Every transfer screened in-line, with case management built into the same system that moves the money.
Audit trail
A double-entry subledger and immutable event history behind every payout.
A licensed bank partner
Banking services provided by FinWise Bank, Member FDIC.