Microfinance in United States
Who regulates MFIs and SACCOs, the payment rails members use, and the Zung solutions for United States. Currency: US dollar (USD).
Market at a glance
Regulators
- NCUA — federally insured credit unions
- CDFI Fund (US Treasury) — community development financial institutions
- State regulators — state-chartered credit unions and lenders
Institution types
- Credit unions
- Community development financial institutions (CDFIs)
- Community development credit unions
Mobile money & payments
- ACH
- RTP and FedNow
Credit reference bureaus
- Experian
- Equifax
- TransUnion
Zung Store solutions for United States
Plugins marked Live run in Zung today. Store listings are offered in the Zung Store — confirm availability for your institution before you plan around one.
NCUA 5300 Call Report (US)
Store listingAutomated NCUA quarterly call report generation with built-in validation rules — eliminates manual data entry for US credit unions. Includes CAMEL score calculator and e…
Regional ComplianceCDFI Fund Reporting (US)
Store listingCommunity Development Financial Institutions Fund AMIS reporting, CRA geographic activity mapping, and Community Reinvestment Act documentation for US CDFIs and communit…
Credit BureauxExperian API (44 countries)
Store listingReal-time credit files across 44 countries — UK, US, Brazil, India, South Africa. Bureau scores and Delphi scores in zung.ai credit decisioning.
Compliance & RegTechSocure Identity & Fraud
Store listingML identity verification strong on thin-file and underbanked populations. Used by US CDFIs and neobanks for compliant onboarding.
Compliance & RegTechAlloy Identity Decisioning
Store listingIdentity orchestration platform — connect multiple KYC, fraud, and compliance sources into a single workflow. Used by most US neobanks.
Open BankingPlaid (US Open Banking)
Store listingUS standard for bank account verification and income checks — 12,000+ US bank connections. Essential for US credit unions and CDFIs doing ACH disbursements.
Open BankingDwolla ACH (US)
Store listingClean ACH API for US MFIs — loan disbursements, repayments, wallet funding via ACH and RTP real-time network.
Open BankingNova Credit (Immigrant Scores)
Store listingTranslates foreign credit history to US-equivalent scores — India, Mexico, UK, Canada, Australia, 15+ countries. Critical for immigrant-focused US MFIs.
Integration kits that fit
Member onboarding with KYC
LiveRegister members at a branch or in the field with ID documents, next of kin and employment details.
SMS repayment reminders
LiveRemind members before the due date and confirm every payment by SMS.
Works in any market 29
Global payments, identity, compliance, insurance and AI plugins
AI Loan Underwriting
Store listingML credit underwriting trained on cooperative repayment behavioural data — thin-file specialist, alternative data integration, explainable AI decisions, and continuous m…
Alternative Credit Data Engine
Store listingThin-file credit scoring using mobile airtime usage, utility payment history, social data, and behavioural patterns — enabling creditworthiness assessment for members wi…
AWS SageMaker
Store listingFull ML lifecycle on AWS — train, tune, and deploy custom credit and risk models using your own institutional data.
Azure OpenAI
Store listingGPT-4o integrated into zung.ai workflows — compliance analysis, member communication drafting, loan officer AI assistant. Data stays in your Azure tenant.
Carbon Credit Registry
Store listingTrack and monetise carbon credits from green-financed assets — solar panels, efficient cookstoves, sustainable agriculture. Connects to Verra, Gold Standard, and ACR reg…
Document Intelligence (OCR & AI)
Store listingOCR and AI extraction from financial statements, payslips, title deeds, and ID documents — auto-populates loan applications, income calculations, and KYC profiles with z…
Google Vertex AI
Store listingManaged ML on Google Cloud — custom fraud and credit models with AutoML and BigQuery integration for portfolio intelligence.
Satellite Farm Valuation
Store listingRemote sensing and NDVI-based agricultural collateral assessment without field visits — crop health scoring, yield estimation, drought risk, and flood exposure using Sen…
Bird (MessageBird)
Store listingUnified communications — SMS, WhatsApp, email, push, voice. 190+ countries and pre-built zung.ai message templates.
Infobip
Store listingGlobal communications — SMS, WhatsApp, Viber, RCS, email, voice across 190 countries. OTP delivery and conversational banking in 60+ languages.
ComplyAdvantage AML
Store listingReal-time AML/CFT monitoring — 2M+ entities, FATF watchlists, PEP screening, sanctions from 200+ jurisdictions, AI adverse media, auto-SAR.
NICE Actimize
Store listingEnterprise AML — transaction monitoring, case management, SAR filing, AI risk scoring across AML, fraud, bribery, insider trading.
Refinitiv World-Check
Store listing6M+ profile database — PEP, sanctions, watchlists, adverse media covering 240+ countries with continuous monitoring.
Adyen
Store listing87 payment methods across 150+ currencies — cards, wallets, local bank transfers in one API. In-person terminals and embedded finance.
Airwallex Treasury
Store listingMulti-currency accounts and FX for institution treasury — hold, convert, and pay in 140+ currencies at interbank rates.
Marqeta Card Issuing
Store listingIssue virtual and physical debit cards to MFI members for loan disbursements and cashback. Just-in-time funding and real-time spending controls.
Nium Global Payouts
Store listingGlobal payouts to 220+ countries, card issuing, and multi-currency wallets. Ideal for diaspora remittance products and loan disbursements worldwide.
Stripe Connect
Store listingGlobal payment infrastructure for 195 countries — card processing, bank debits, digital wallets, and real-time payouts in 135+ currencies. PCI DSS Level 1.
Wise Platform
Store listingReal-exchange-rate transfers and multi-currency accounts for 160+ countries. 50%+ cheaper than bank wires. Batch payments for loan disbursements.
Allianz Partners
Store listingAllianz bancassurance API — travel, life, health, device protection in 70+ countries. Instant policy issuance and real-time claims.
Bima Micro-Insurance
Store listingMobile micro-insurance for 14 countries across Africa, Asia, LatAm — life, accident, hospital, credit life. Premium from $0.50/month.
Swiss Re iptiQ
Store listingWhite-label digital insurance from Swiss Re — life, health, P&C. API-first, instant underwriting, automated claims settlement.
Weather Index Insurance
Store listingSatellite rainfall data with automatic claim triggers — index-based payout without field assessment. Protects agricultural loan portfolios from drought and flood risk. I…
iProov Biometric Liveness
Store listingGenuine Presence Assurance liveness detection optimised for low-bandwidth rural environments. Passive liveness, works on 2G, resists deepfakes.
Jumio NetVerify
Store listingAI-powered identity verification across 200+ countries — 5,000+ ID types, biometric liveness, NFC chip reading, and real-time fraud scoring. SOC 2 Type II, ISO 27001, GD…
Onfido
Store listingNIST-certified facial biometrics, document forgery detection, and watchlist screening across 195 countries. Automated re-verification and configurable risk thresholds.
Veriff
Store listingAI document authentication and biometric verification across 230+ countries. Real-time liveness detection and GDPR-compliant data handling.
HashiCorp Vault
Store listingEnterprise secrets management — dynamic credential generation, PKI, and HSM-backed encryption keys for institution data security.
Okta Identity
Store listingEnterprise SSO, adaptive MFA, lifecycle management. FIDO2 passwordless and zero-trust access for zung.ai admin portals.
More in North America
CanadaThe market summary is a guide, not legal advice — confirm requirements with the regulator. Last reviewed 1 Nov 2026. Spot something out of date? Tell us.