Moov

I’ve been waiting a long time to share this one. Moov Money is an idea I’ve believed in for years, long before we had a name for it or knew exactly what it would become. I’ve spent most of my career thinking about how money moves, and one thing that has always bothered me is how often we solve a payments problem by asking people to adopt something new. (xkcd Standards) P2P is a perfect example. Sending money to another person should be one of the simplest things we do. Instead, we’ve gotten used to asking, “What app do you use?” If you’re not on the same one, someone has to download something, create an account, or find another way. Meanwhile, so much of what we need to solve that problem is already here. Hundreds of millions of people carry debit cards. Mastercard and Visa have spent decades building the networks behind them. Banks, Brokerages, neo-banks, and credit unions already have the relationships and trust. Every consumer already has an iPhone or Android device. We started there. There’s an incredible amount of work hidden behind that simple idea. Seeing Moov Money come to life with Visa and Mastercard, and knowing how much our team put into getting here, makes today a pretty special one for me. I wrote more about where the idea came from, why we built it this way, what I hope it can mean for the future of P2P, and why I care so much. https://lnkd.in/g6gSHBnc

Today, we’re launching Moov Money, a new P2P payment solution built in collaboration with Mastercard and Visa. 👉 Moving money shouldn’t depend on whether two people use the same app. Moov Money gives financial institutions a way to offer #P2P #payments within their own digital banking experience, using the debit cards people already carry. And we’re excited to have Jack Henry as the first digital banking platform to integrate Moov Money, bringing it within reach of more than 1,000 banks and credit unions. 💪 No new app. No new account. A new way for financial institutions to give their customers more choice in how they pay and get paid. 🔗 Introducing Moov Money: https://lnkd.in/gv2VhU-P Wade Arnold Justin Zhao Mike Kresse Ben Metz

Driving innovation takes collective effort. We’re grateful to our diamond and platinum sponsors for helping us bring the financial community together at Jack Henry Connect 2026. Thank you to our diamond sponsors, IBM and Visa, and our platinum sponsor, Moov, for your partnership and dedication to moving our industry forward.

Consumers can split a dinner bill in four seconds, then they wait days for emergency aid. New PYMNTS Intelligence research with Visa Direct, Moving Money at the Speed of Life: Same Payout, Different Experience, found that slow timelines, limited payout choice and uncertainty about when funds actually arrive can put pressure on constituents and on the agencies fielding their calls. Rick Malcolm of Visa, Wade Arnold of Moov and Marshall Henry of the U.S. Treasury Bureau of the Fiscal Service take that finding apart on September 30 at 12:00 PM ET. Save your seat and get the playbook for matching payout speed to real-time expectations. https://hubs.ly/Q04xnjfP0

Consumers can split a dinner bill in four seconds, then they wait days for emergency aid. New PYMNTS Intelligence research with Visa Direct, Moving Money at the Speed of Life: Same Payout, Different Experience, found that slow timelines, limited payout choice and uncertainty about when funds actually arrive can put pressure on constituents and on the agencies fielding their calls. Rick Malcolm of Visa, Wade Arnold of Moov and Marshall Henry Bureau of the Fiscal Service take that finding apart on September 30 at 12:00 PM ET. Save your seat and get the playbook for matching payout speed to real-time expectations. https://hubs.ly/Q04xf94N0

Every community financial institution knows the moment. A business customer asks for something. You have to tell them no. They go find someone who can say yes, and now that someone has a relationship with your customer. That moment is what this is about. Coinbase and Moov are partnering to bring stablecoin acceptance, settlement, and real time funding to the more than 1,000 community banks and credit unions on the Moov platform. Community institutions have added every payment method this way. You did not build the card networks. You did not build real time payments. You picked partners, and your customers never knew or cared, because what they experienced was their bank saying yes. This is the same. Coinbase provides the regulated infrastructure, Moov connects it to the rails you already run with us, and your customer sees one thing: they asked, and you had an answer. It is also the answer they are actually asking for. Jill Castilla said it best. Her small business customers want lower interchange costs and to get paid faster. That is not a crypto request. That is a cash flow request, and business owners have been bringing it to their banker for as long as there have been bankers. What comes next is bigger. The rail does not close. No weekends, no holidays, no telling a contractor who finished a job Friday night that her money will be there Tuesday. Funding that never stops is something a community institution has never been able to offer its customers. It is now within reach. Being the first call is the whole franchise. It is the one thing you have that a larger institution cannot buy. The only thing that ever takes it away is a customer who solved a problem without you. Brian Armstrong and Alec Lovett , thank you. This was not a logo swap. Your teams did the work to understand how community financial institutions actually operate, what their examiners expect, and why this had to live inside the systems they already run rather than beside them. That kind of partnership is rare and it is why this shipped. To our integration partners that are accepting payments for loan servicing, account opening, digital banking, and merchant processing. We can't wait to create together! Learn more with the links in the comments.

Stablecoins are creating new ways to move money, and community banks and credit unions have an important role to play. That’s why we’re excited to build with Coinbase, bringing their digital asset infrastructure together with the #payments infrastructure Moov already provides. More choice for how people pay and get paid, with community financial institutions at the center of it. 👏

👋 If you’re headed to #Money2020, consider this your invitation to step away from the show floor to talk #payments. We’ll be hosting meetings in a private space at Smith & Wollensky inside The Venetian, with good food, drinks, and plenty of room for great conversation. Join us in the morning for coffee and breakfast, or stop by midday for lunch made to order. We’ll be there October 19–20, just steps from the show floor. We’d love to host you while you’re in Vegas. 👉 Space is limited, so request a meeting with the Moov team here: https://moov.io/money2020/ Robert Smith Johnny Moreland Jackie Liney Shanahan Kris Carrera Jennifer Hill Matt Bergevin Andy McIntire Konstantin Dubovitskiy Kevin Hernandez Sam Maule

Moov rethinks how credit unions move money. Payments infrastructure has always been fragmented across vendors and integrations. Moov is bringing everything onto one platform, giving institutions a single connection to build modern payment experiences. Why credit unions choose Moov: - Accept, store, send, and spend money on one platform - Direct connections to the Fed, The Clearing House, and every major card network - One integration, one contract, no vendor sprawl - Launch real-time payment experiences faster Driven to simplify payments infrastructure, co-founders Wade Arnold and Robert Smith, and the team at Moov are helping credit unions cut vendor complexity and move faster on the products their members expect. Learn how Moov is modernizing payments for credit unions. #FintechFriday