Become your clients’ financial operating system
Unify onboarding, payments, and cash flow into one connected experience that helps businesses operate and grow.
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Outcomes that any business board would love
Thoughput: high‑volume onboarding without extra headcount.
Apps/month; scaled capacity with no new staffing.
Massive reduction in manual reviews, as validations shrink exception work.
A single operating system for business money movement
Fragmented rails and manual reviews push activity to third‑party apps. Candescent unifies onboarding, entitlements, initiation, approvals, and liquidity views in one governed flow—so money movement, data, and revenue stay in‑platform.
Benefits
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Win primacy and retention
Operate as the system of record for daily financial activity—not just the account of record.
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Monetize payments
Capture payment‑driven revenue across ACH, wires, and instant rails.
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Reduce exception cost
Automated validations and policy controls lower manual reviews.
Improve risk & compliance
In‑flow identity and fraud signals protect without derailing operations.
One platform across onboarding, payments, and cash flow
Deploy together or in phases. Every module shares services, data, entitlements, and audit controls to keep experiences consistent and scalable.
Onboarding that speeds the path to activation
Fast, low‑friction business onboarding with automated KYC/KYB checks and fewer manual reviews; immediate entitlements and funding.
Payments made with more controls
ACH, wires, RTP/FedNow, internal transfers, and scheduled payments with roles, limits, dual approvals, and step‑up controls—all in one flow.
Cashflow with visibility, so you know where it goes
Real‑time liquidity views across accounts; incoming/outgoing movement and settlement insights to guide decisions.
Security that builds greater customer trust
Embedded identity, fraud, and device signals secure transactions without unnecessary friction.
Watch as payments and approvals finish faster
See how our solution delivers pre‑filled beneficiaries, policy‑based limits, prompts for dual approvals, and booking the transaction—all while updating liquidity immediately.
Pre‑integrated partners that keep value in your platform
Turn on curated, vetted, ready-to-deploy capabilities like money‑in, money‑out, receivables, and communications—all without fragmenting the journey.
Zelle®
Keep P2P and disbursements inside your app with lower friction.
Autobooks
Invoice, accept payments, and reconcile for engagement that stays in‑platform.
Paymentus
Bill presentment and payments that reduce abandonment and cost to serve.
A phased path from pilot to scale
Business Banking and Money Movement is delivered through a defined, phased implementation approach that aligns teams, integrates with existing systems, and sets clear expectations from discovery through launch. We use standardized connectors, configuration playbooks, and scorecards to de‑risk delivery and accelerate time‑to‑impact.
Account opening in a New York minute
See why Apple Bank called our onboarding modernization with them “their most successful tech implementation in six years.”
Your business banking deserves better
Solutions designed to work together
See how adjacent solutions connect with Business Banking & Money Movement to modernize every channel and keep value in your platform.
Support your customers and members with secure, seamless money movement across digital, branch, and service channels—reducing friction for treasury teams while strengthening approvals, controls, and audit readiness.
Deliver relevant next-best actions and personalized recommendations that help customers and members build healthier financial habits, without sacrificing transparency or governance.
Combine identity verification, fraud signals, and adaptive authentication to reduce risk—all while preserving a smooth experience for legitimate customers and members.
Unify customer, member, and employee context across channels so journeys stay connected, powering proactive service, smarter routing, and responsible AI assistance in the moments that matter.
Increase customer and member conversion—and strengthen relationship growth—with experiences that reduce drop-off and improve cross-sell, starting with onboarding and continuing through servicing and customer lifecycle moments.
Streamline customer and member lending from application to servicing with digital workflows, document collection, and status transparency—improving speed and consistency while maintaining governed decisioning.
Reduce cost-to-serve by automating back-office workflows, exception handling, and case management so teams resolve issues faster with fewer handoffs and clearer accountability.
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FAQs
Clear answers to the questions banks and credit unions are asking about Business Banking and Money Movement.
Business banking and money movement includes thedigital banking experiences and workflows businesses use to manage accounts, move money, control access, and run day-to-day financial operations acrosspayments, approvals, and cash flow.
Candescent supports ACH, wires, RTP, FedNow, internaltransfers, bill pay, and account-to-account transfers, all managed with roles,limits, and dual approvals.
Many institutions see time-to-value in weeks, notquarters, thanks to streamlined configuration, standardized connectors, andguided setup.
Instead of siloed modules and bolted-on payment tools, Candescent delivers a unified capability layer within the digital banking platform, with embedded intelligence and measurable outcomes, ensuring deeper engagement and consistency across experiences.
No. Institutions can deploy in phases and extend whatthey have. Integrations and policy controls keep experiences consistent while risk remains governed.
Candescent adheres to industry security standards, encryption protocols, and privacy controls. Data is handled in alignment with regulatory expectations, with audit trails and governance built in.
By centralizing payments, approvals, and entitlements, institutions reduce manual work, improve visibility, and enforce consistent controls across all business users and transactions.
By streamlining onboarding, accelerating payments, and improving cashflow visibility, institutions can better serve business clients and deepenrelationships over time.