DiscoFi
DiscoFi provides a unified payout infrastructure API that calculates, routes, pays, and reconciles payments to independent workers like athletes, creators, and crew. The platform automatically selects the fastest available rail—RTP, FedNow, Visa Direct, or ACH—based on each recipient's bank, with automatic retry on decline. It includes a double-entry ledger, live payment status, and built-in compliance screening.
- Financial Technology
- Software Only
Funding
Founders
Founder details are not available yet.
Product
Problem
Businesses that pay large numbers of independent workers—such as athletes, drivers, creators, crew members, and vendors—struggle to settle payments quickly and accurately. Traditional payout processes rely on spreadsheets and manual workflows, causing delays, errors, and recipients left wondering where their money is. Additionally, instant payment rails like RTP and FedNow have uneven bank coverage, making it difficult to know which rail will work for each recipient.
Solution
DiscoFi provides a unified payout infrastructure that handles the entire payout lifecycle—calculation, routing, payment, and reconciliation—through a single API. The platform automatically calculates exactly what is owed per recipient, then routes each payment over the fastest rail the recipient's bank accepts, including RTP, FedNow, Visa Direct, and ACH, with automatic retry when a rail declines. DiscoFi maintains a double-entry ledger for every transfer, provides live payment status, and generates audit-ready records so the books close themselves. The system includes built-in compliance features such as business verification, beneficial-owner checks, and in-line transaction screening with case management. DiscoFi serves industries including racing, NIL, music, live events, creator platforms, sports, leagues, and film/TV production.
Target Audience
Primary customers are businesses that pay large numbers of independent recipients, including racing teams and promoters, NIL collectives, music labels, live event organizers, creator platforms, sports teams, leagues, and film/TV production companies.
Features
- Single API call that creates the payout, picks the fastest rail, retries on decline, and writes ledger entries
- Automatic rail selection across RTP, FedNow, Visa Direct, and ACH based on live network participation per recipient bank
- Double-entry ledger on every transfer with live payment status and audit-ready records
- Compliance controls built into the onboarding path: business verification, beneficial-owner checks, and recipient screening
- Every transfer screened in-line with case management in the same system that moves money
- Signed webhooks when money moves for real-time integration
- Industry-specific solutions for racing, NIL, music labels, live events, creator platforms, sports teams, leagues, and film/TV production