Ionfi by AVALO.
U.S. Banking Access.
Global Payment Reach.
Ionfi connects regulated financial institutions to named accounts, U.S. and global payment rails, treasury and institutional FX through relationships with multiple FDIC-insured U.S. partner banks—all in one operating model.
Built by Bankers, Designed for Compliance, Powered for Speed
Correspondent banking relationships are shrinking
Especially in emerging markets — where regulated institutions face rising costs, less visibility, and fewer paths to U.S. dollar settlement.
One operating relationship. Multiple FDIC-insured U.S. partner banks. Greater resilience.
Run payments, FX, treasury operations, and KYCC-powered controls through one operating model — with end-to-end transaction visibility.
Your gateway to U.S. and
global payment rails.
Unlike a single correspondent relationship, where one disruption can affect the entire flow, Ionfi routes payments across approved partner-bank paths based on cost, speed and your institution’s risk framework—reducing reliance on any single correspondent.
Each payment follows the approved partner-bank path best aligned with cost, speed and your institution’s risk framework.
Multiple partner-bank paths reduce reliance on a single correspondent.
Routing decisions operate within your policies, approvals and risk framework.
What Changes With Ionfi
From shrinking correspondent options → to named accounts and approved payment paths through one operating relationship.
From disconnected reviews → to KYCC-powered controls and transaction-level traceability.
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
FASTER MONEY NEEDS RICHER INFORMATION—AND MORE THAN ONE PATH.
When a payment moves through Ionfi, the customer and transaction context moves with it. Parties, purpose, supporting documentation and required actions stay connected to the transaction, while execution runs across approved payment paths.
Your institution retains its policies, approvals, risk appetite and client relationships - with greater visibility and less reliance on any single correspondent.
What's Inside Ionfi
The six capabilities working quietly behind every Ionfi transaction.
U.S. and Global Payment Access
Access to Fedwire, ACH, and RDC, with integrated FX, through relationships with FDIC-insured U.S. partner banks.
Named Accounts
Named accounts held in your institution’s name, not pooled accounts.
Embedded Controls
KYCC, KYC, and AML controls across onboarding and payment workflows.
Visibility and Auditability
End-to-end transaction visibility, dual control, and role-based access.
Flexible Integration
API, SFTP, or online portal — works with your existing systems.
Sub-Account Support
Support for named sub-accounts for fintech and PSP clients.
Payments and Treasury Capabilities
IonFX
Institutional-grade FX and treasury execution with transparent pricing, integrated approvals, and audit-ready documentation.
Wire Transfers
Domestic and cross-border wire execution with embedded KYCC controls, transaction tracking, and clear visibility from initiation through release.
ACH
U.S. ACH activity processing with embedded controls, defined approval workflows, and centralized visibility for regulated institutions.
Remote Deposit Capture (RDC)
Modernized check deposit processing with integrated validation, risk monitoring, and centralized visibility.
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 and transparent, with integrated liquidity, embedded approvals and a full audit trail for every trade. When someone asks how a spread was set, your team has the answer ready.
Five reasons to choose IonFX
Competitive Rates
Transparent pricing with documented spreads.
Seamless Execution
Fast settlement, timed to your rails and cutoffs.
Treasury-Integrated
Execution tied to liquidity, approvals, and reporting.
Integrated Controls
Controls and approvals integrated across quote, trade, and settlement workflows.
Policy-Aligned Oversight
Role-based oversight aligned to your policies.
The IonFX difference
IonFX doesn't just execute FX — it documents the why behind every rate. When someone asks how a spread was set, your team has the answer ready.
Built for three kinds of institutions.
Expand payment, treasury, and FX capabilities while maintaining control over policies, approvals, and client relationships.
Access U.S. banking relationships, named accounts, and global payment paths through one integrated operating model.
Run payment and FX activity through structured workflows, embedded controls, and the visibility required by banking partners.
Client outcome
Berkeley Bank & Trust moved to a new partner bank in four to five weeks — new accounts, new rails, no interruption to their clients.
Payments processed
Financial Institutions
Countries Served
Wires released in minutes
