Highnote

💸 Building a credit product should 𝘂𝗻𝗹𝗼𝗰𝗸 𝗼𝗽𝗽𝗼𝗿𝘁𝘂𝗻𝗶𝘁𝘆, 𝗻𝗼𝘁 𝗰𝗼𝗺𝗽𝗹𝗲𝘅𝗶𝘁𝘆, and that’s the wall we’re breaking down with our partnership with OatFi. No separate pipelines or fragmented systems. Just the infrastructure and flexibility to 𝗹𝗮𝘂𝗻𝗰𝗵 𝗮𝗻𝗱 𝘀𝗰𝗮𝗹𝗲 with confidence on 𝗛𝗶𝗴𝗵𝗻𝗼𝘁𝗲’𝘀 𝘂𝗻𝗶𝗳𝗶𝗲𝗱 𝗽𝗹𝗮𝘁𝗳𝗼𝗿𝗺. 💳 Learn how we’re powering the 𝗻𝗲𝘅𝘁 𝗴𝗲𝗻𝗲𝗿𝗮𝘁𝗶𝗼𝗻 𝗼𝗳 𝗕𝟮𝗕 𝗰𝗿𝗲𝗱𝗶𝘁 𝗲𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲𝘀: ➡️ https://lnkd.in/ebgzikfd

💰 Highnote’s 𝘂𝗻𝗶𝗳𝗶𝗲𝗱 𝗽𝗹𝗮𝘁𝗳𝗼𝗿𝗺 connects issuing, acquiring, ledgering, credit, and real‑time money movement in a single cohesive system, enabling businesses to 𝗹𝗮𝘂𝗻𝗰𝗵 and 𝗼𝗽𝗲𝗿𝗮𝘁𝗲 new, 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁𝗶𝗮𝘁𝗲𝗱 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗽𝗿𝗼𝗱𝘂𝗰𝘁𝘀 at scale while removing the complexity of legacy platforms. Hear from our CEO, John MacIlwaine, in a conversation with The Financial Technology Report, where he shares Highnote’s vision for helping enterprises 𝘀𝘁𝗮𝗻𝗱 𝗮𝗽𝗮𝗿𝘁, 𝗺𝗼𝘃𝗲 𝗳𝗮𝘀𝘁𝗲𝗿, and 𝘂𝗻𝗹𝗼𝗰𝗸 𝗻𝗲𝘄 𝗿𝗲𝘃𝗲𝗻𝘂𝗲 𝘀𝘁𝗿𝗲𝗮𝗺𝘀. Tune into the full interview: ➡️ https://lnkd.in/gSffuG37

🆕 For far too long, 𝗹𝗮𝘂𝗻𝗰𝗵𝗶𝗻𝗴 𝗰𝗿𝗲𝗱𝗶𝘁 𝗽𝗿𝗼𝗱𝘂𝗰𝘁𝘀 has been a 𝗰𝗵𝗮𝗹𝗹𝗲𝗻𝗴𝗲. Fragmented issuing, liquidity, and outdated systems have slowed fintechs down, but 𝘁𝗵𝗮𝘁 𝗲𝗻𝗱𝘀 𝗻𝗼𝘄. Through OatFi's direct integration on Highnote's 𝘂𝗻𝗶𝗳𝗶𝗲𝗱 𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗽𝗹𝗮𝘁𝗳𝗼𝗿𝗺 for embedded finance, subscribers can: 🧩 Access working capital instantly 🧩 Use modern credit risk management and servicing tools 🧩 Accelerate time to market with unified infrastructure 🧩 Scale confidently without stitching together multiple vendors The result? 𝗙𝗮𝘀𝘁𝗲𝗿 𝗹𝗮𝘂𝗻𝗰𝗵𝗲𝘀. 𝗦𝗺𝗮𝗿𝘁𝗲𝗿 𝗰𝗿𝗲𝗱𝗶𝘁. 𝗭𝗲𝗿𝗼 𝗱𝗿𝗮𝗴. 𝗥𝗲𝗮𝗱 𝗺𝗼𝗿𝗲 about the partnership: ➡️ https://lnkd.in/e4DP4K6A

🧭 The right payments platform doesn’t just power your card program; it enables you to 𝗹𝗮𝘂𝗻𝗰𝗵 new products, 𝘀𝗰𝗮𝗹𝗲 with confidence, confirm 𝗰𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲, and deliver 𝘁𝗼𝗽-𝗻𝗼𝘁𝗰𝗵 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗲𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲𝘀. Highnote unifies every piece of a modern card program, so your team can focus on innovation, not integration. As 𝘀𝗽𝗲𝗲𝗱, 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁𝗶𝗮𝘁𝗶𝗼𝗻, 𝗮𝗻𝗱 𝗰𝗼𝗻𝘁𝗿𝗼𝗹 become the new non-negotiables, we’re shaping 𝘄𝗵𝗮𝘁’𝘀 𝗻𝗲𝘅𝘁 𝗶𝗻 𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀. 𝗟𝗲𝗮𝗿𝗻 𝗺𝗼𝗿𝗲:  ➡️ https://lnkd.in/gGmbwGh7

💰 𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝘂𝗻𝗶𝗳𝗶𝗰𝗮𝘁𝗶𝗼𝗻 isn’t about bundling vendors. It’s about connection: a single platform where issuing, acquiring, ledgering, and real-time money movement operate as one cohesive system. They're not stitched together but built to move as one, because the 𝗳𝘂𝘁𝘂𝗿𝗲 𝗼𝗳 𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 won’t be fragmented; it 𝘄𝗶𝗹𝗹 𝗯𝗲 𝘂𝗻𝗶𝗳𝗶𝗲𝗱. This is the architecture 𝗺𝗼𝗱𝗲𝗿𝗻 𝗲𝗻𝘁𝗲𝗿𝗽𝗿𝗶𝘀𝗲𝘀 𝗻𝗲𝗲𝗱: an all-in-one platform and source of truth that adapts to every new rail and settlement network. 💡 Is your stack keeping up? Explore how 𝘂𝗻𝗶𝗳𝗶𝗰𝗮𝘁𝗶𝗼𝗻 𝗰𝗵𝗮𝗻𝗴𝗲𝘀 𝘄𝗵𝗮𝘁’𝘀 𝗽𝗼𝘀𝘀𝗶𝗯𝗹𝗲 on the Highnote blog: ➡️ https://lnkd.in/dejhMPDd

🧩 Payments have outgrown the “𝘮𝘰𝘳𝘦 𝘷𝘦𝘯𝘥𝘰𝘳𝘴 𝘢𝘳𝘦 𝘣𝘦𝘵𝘵𝘦𝘳” era. Growth used to mean adding more: more processors, more partners, more workflows. But at scale, complexity becomes a 𝘁𝗮𝘅 𝗼𝗻 𝘀𝗽𝗲𝗲𝗱, 𝗿𝗲𝗹𝗶𝗮𝗯𝗶𝗹𝗶𝘁𝘆, 𝗹𝗶𝗾𝘂𝗶𝗱𝗶𝘁𝘆, and 𝘁𝗿𝘂𝘀𝘁. The smarter move isn’t adding more vendors; it’s adopting a 𝘂𝗻𝗶𝗳𝗶𝗲𝗱 𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗽𝗹𝗮𝘁𝗳𝗼𝗿𝗺. ⚡ That’s what we’ve built at Highnote, seamlessly connected 𝗶𝘀𝘀𝘂𝗶𝗻𝗴, 𝗮𝗰𝗾𝘂𝗶𝗿𝗶𝗻𝗴, 𝗰𝗿𝗲𝗱𝗶𝘁, and 𝗿𝗲𝗮𝗹-𝘁𝗶𝗺𝗲 𝗺𝗼𝗻𝗲𝘆 𝗺𝗼𝘃𝗲𝗺𝗲𝗻𝘁, backed by a 𝗽𝗼𝘄𝗲𝗿𝗳𝘂𝗹 𝗹𝗲𝗱𝗴𝗲𝗿, engineered to move at the speed of modern commerce. Discover why 𝘃𝗲𝗻𝗱𝗼𝗿 𝗳𝗿𝗮𝗴𝗺𝗲𝗻𝘁𝗮𝘁𝗶𝗼𝗻 isn’t just inefficient, it’s risky: ➡️ https://lnkd.in/dxqXDqKY

⚡ The next era of payments is being built on 𝘂𝗻𝗶𝗳𝗶𝗰𝗮𝘁𝗶𝗼𝗻. Legacy stacks were designed for a different time. One defined by batch processing, disconnected providers, and slow change. Highnote was built for what comes next: a unified payments platform that brings 𝗶𝘀𝘀𝘂𝗶𝗻𝗴, 𝗮𝗰𝗾𝘂𝗶𝗿𝗶𝗻𝗴, 𝗹𝗲𝗱𝗴𝗲𝗿𝗶𝗻𝗴, 𝗮𝗻𝗱 𝗿𝗲𝗮𝗹-𝘁𝗶𝗺𝗲 𝗺𝗼𝗻𝗲𝘆 𝗺𝗼𝘃𝗲𝗺𝗲𝗻𝘁 𝘁𝗼𝗴𝗲𝘁𝗵𝗲𝗿 by design. Our subscribers, including RoadFlex, Fluz, Ferry, and Fasten Rewards, are already 𝗲𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗶𝗻𝗴 𝘁𝗵𝗲 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝗰𝗲, from instant money movement to faster launches and more seamless user experiences. This is what modern payments look like. See how unified payments 𝘀𝘂𝗽𝗽𝗼𝗿𝘁 𝗴𝗿𝗼𝘄𝘁𝗵 𝗮𝘁 𝘀𝗰𝗮𝗹𝗲: ➡️ https://lnkd.in/d7tTefRr

🎁 𝗛𝗮𝗽𝗽𝘆 𝗵𝗼𝗹𝗶𝗱𝗮𝘆𝘀 𝗳𝗿𝗼𝗺 𝗛𝗶𝗴𝗵𝗻𝗼𝘁𝗲! This year, we took 𝗯𝗶𝗴 𝘀𝘁𝗲𝗽𝘀 𝗳𝗼𝗿𝘄𝗮𝗿𝗱, growing our 𝘂𝗻𝗶𝗳𝗶𝗲𝗱 𝗽𝗹𝗮𝘁𝗳𝗼𝗿𝗺, expanding 𝗽𝗮𝗿𝘁𝗻𝗲𝗿𝘀𝗵𝗶𝗽𝘀, and helping businesses unlock truly modern 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗲𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲𝘀. From issuing, acquiring, and credit to real-time money movement and seamless ledgering, we're setting a 𝗻𝗲𝘄 𝘀𝘁𝗮𝗻𝗱𝗮𝗿𝗱 𝗳𝗼𝗿 𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 that are faster, smarter, and built to scale. A 𝗵𝘂𝗴𝗲 𝘁𝗵𝗮𝗻𝗸 𝘆𝗼𝘂 to our subscribers, partners, investors, and the fintech community for trusting Highnote! 𝗪𝗲’𝗿𝗲 𝗷𝘂𝘀𝘁 𝗴𝗲𝘁𝘁𝗶𝗻𝗴 𝘄𝗮𝗿𝗺𝗲𝗱 𝘂𝗽 𝗳𝗼𝗿 𝟮𝟬𝟮𝟲. ➡️ https://highnote.com/

📣 #ICYMI: Highnote is proud to be the only issuing platform selected to participate in Visa's 𝘀𝘁𝗮𝗯𝗹𝗲𝗰𝗼𝗶𝗻 𝘀𝗲𝘁𝘁𝗹𝗲𝗺𝗲𝗻𝘁 𝗽𝗶𝗹𝗼𝘁 with Cross River. This marks a breakthrough in how money moves, bringing stablecoin settlement into 𝗿𝗲𝗮𝗹-𝘄𝗼𝗿𝗹𝗱 𝗽𝗮𝘆𝗺𝗲𝗻𝘁 𝗳𝗹𝗼𝘄𝘀. ⚡That's the Highnote power. We build differentiation for modern enterprises by adding stablecoin as a settlement option, enhancing 𝘀𝗽𝗲𝗲𝗱, 𝗰𝗼𝗻𝘁𝗿𝗼𝗹, 𝗮𝗻𝗱 𝗳𝗹𝗲𝘅𝗶𝗯𝗶𝗹𝗶𝘁𝘆 across our 𝘂𝗻𝗶𝗳𝗶𝗲𝗱 𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗽𝗹𝗮𝘁𝗳𝗼𝗿𝗺. Read more about it on Bloomberg:

💳 Most card programs are still being built like it's 2005, not 2025. Highnote is changing that. 𝗢𝗻𝗲 𝘂𝗻𝗶𝗳𝗶𝗲𝗱 𝗽𝗹𝗮𝘁𝗳𝗼𝗿𝗺, powered by a 𝗿𝗲𝗮𝗹-𝘁𝗶𝗺𝗲 𝗹𝗲𝗱𝗴𝗲𝗿, with 𝗶𝘀𝘀𝘂𝗶𝗻𝗴, 𝗮𝗰𝗾𝘂𝗶𝗿𝗶𝗻𝗴, 𝗰𝗿𝗲𝗱𝗶𝘁, and 𝗺𝗼𝗻𝗲𝘆 𝗺𝗼𝘃𝗲𝗺𝗲𝗻𝘁 all connected. 🧩 Launch programs 𝗳𝗮𝘀𝘁𝗲𝗿 𝗮𝗻𝗱 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁𝗶𝗮𝘁𝗲. 🧩 𝗢𝘄𝗻 𝘆𝗼𝘂𝗿 𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗶𝗻𝗳𝗿𝗮𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲 instead of renting it. 🧩 𝗠𝗼𝘃𝗲 𝗳𝗮𝘀𝘁 without sacrificing control or scale. The 𝗻𝗲𝘅𝘁 𝗲𝗿𝗮 𝗼𝗳 𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 will be won through unification, and that's what Highnote is building. 𝗥𝗲𝗮𝗱 𝗺𝗼𝗿𝗲 on our blog: ➡️ https://lnkd.in/ettRPGJG