Four brands forming the complete payments operating stack: processing and acquiring, intelligent routing and security, the operating platform that ties the merchant book together, and the training infrastructure behind it all. Built by the same operators who now embed in your platform. This is the proof of what we know how to build.
The processing layer SaaS companies will deploy under their own brand. 0030 is a bank-sponsored, API-connected payment platform in formation for software companies that want to embed payments without the compliance burden of becoming a registered PayFac. Targeting card processing, ACH and eCheck, automated merchant underwriting, and intelligent multi-processor routing, all white-labeled under your UI, your theme, your brand. Pre-launch.
0030 is being built to deploy as your payments infrastructure, operating entirely under your brand. You will own the merchant experience. We are assembling the rails, the compliance, and the economics, with the design intent of complete transparency into pricing, routing decisions, and merchant data.
Targeting intelligent multi-processor routing across 12+ processors, real-time residual reporting, multi-tier sales hierarchy automation, 24-hour approval turnaround, BIN/ICA sub-merchant architecture, and ISO-grade CRM integration.
US and Canada at full GA. Targeting 200+ merchant verticals, standard and specialized acquiring, and interchange-plus and tiered pricing models.
The intelligence layer that runs beneath 0030, and can be layered onto any existing processor stack. Penumbra handles real-time multi-processor routing based on cost, approval probability, and processor health, behavioral fraud detection, interchange optimization, and compliance monitoring. Sub-20ms target decision latency (pre-production benchmark).
Proprietary, not off-the-shelf, built specifically for the complexity of embedded and platform payments. When a SaaS company deploys 0030, Penumbra is designed as the system actively working to optimize every transaction, every approval decision, and every compliance checkpoint. 15 patents pending on the core decisioning and routing IP.
40+ specialized decision components, coordinated by an AI orchestrator. Domains include fraud detection, risk scoring, interchange optimization, compliance monitoring, chargeback prediction, biometric authentication, and real-time routing decisions. Target decision latency: sub-20 milliseconds (pre-production benchmark).
SOC 2 Type II controls implemented; audit engagement pending. Architected to PCI DSS Level 1 controls; formal QSA certification pending. HIPAA-ready infrastructure. Token vault, session management, and API security for SaaS platforms handling embedded payments. Built for high-compliance payment environments.
Echelon Institute is our white-label education platform. Organizations deploy a fully branded training and credentialing program under their own name. Staff onboarding, partner enablement, customer education, continuing education credits, all delivered under the customer's brand. Learners never see Echelon.
API-native delivery and a full content authoring toolset sit alongside a credentialing engine and learner analytics. Echelon handles the infrastructure so customers focus on what they teach. 30+ industry education lanes ready to deploy, from bar exam prep to insurance licensing to vertical SaaS customer education.
100% white-label delivery under your domain and brand. API and webhook integration or a standalone branded portal. Content authoring tools, video and SCORM support, custom curriculum on demand. Branded digital certificates and CE credit management.
Bar exam prep providers, payments and fintech platforms running ISO and partner enablement, AI infrastructure companies, sales organizations, healthcare CME, faith communities, and 501(c) nonprofits. 30+ professional verticals on one platform.
The persona-sibling surface of Penumbra, built for ISOs and embedded-payments teams running the merchant lifecycle. Merchant boarding, residuals reconciliation, hierarchy, chargebacks, equipment management, and statement import. Same orchestration core as the merchant Penumbra product, different role view.
Currently powering AAG's own ISO operations. Opening to external ISOs and SaaS platforms with embedded payments in 2026. Designed for the back-office reality of running a merchant book at scale, where the failure mode today is spreadsheets and email threads.
Residual spreadsheets, manual statement imports, email-thread boarding, fragmented hierarchies, chargeback tracking in shared docs, and the dozen tools every ISO duct-tapes together. Penumbra for Platforms is one system per merchant from lead to lifetime residual.
Statement import and residual reconciliation across TSYS, Fiserv, Worldpay, Adyen, NMI, Stripe, Square, and more. ACH and banking via Plaid and Dwolla. Accounting via QuickBooks and Xero. Legal-tech (Clio, MyCase), POS (Toast, AppFolio), plus a token-based REST API for custom integrations.