PayForge is a BaaS platform with embedded AI agents — fraud detection, cash flow forecasting, and compliance monitoring that run 24/7, autonomously.
Most BaaS platforms give you APIs. PayForge gives you employees — AI agents that monitor, decide, and act around the clock.
Predicts fraudulent transactions before they clear. Learns your customer behavior patterns. Blocks bad actors in real-time — not after the damage is done.
Monitors receivables and payables continuously. Alerts you before a cash crunch hits. Suggests optimal timing for payments, payroll, and vendor settlements.
Tracks regulatory changes across federal and state levels. Auto-updates your compliance rules when laws change. Generates audit-ready reports on demand.
The founder of PayForge built Brazil's first wearable payment ring, scaled a B2B BaaS platform to 400% YoY growth, and got acquired by Porto Seguro. PayForge is the AI-native version — built right from the start.
// Initialize PayForge
const payforge = new PayForge({
apiKey: process.env.PF_API_KEY,
environment: 'production'
});
// AI agents activate automatically
// No additional configuration needed
// Query agent status
const fraudHealth = await payforge.agents.status('fraud');
// → { status: 'active', events_today: 847, blocked: 12 }
Synapse collapsed. Unit and Treasury Prime still run on manual rules. Every major BaaS platform is still reactive — they respond to events, they don't anticipate them. PayForge is the first BaaS platform designed around AI agents from day one.
The BaaS market is fragmented and reactive. We fix that. PayForge is built for fintechs, neobanks, and embedded finance teams who want a partner that works as hard as they do — around the clock, without being asked.