FinChain provides community banks and credit unions with patented local Pay-by-Bank solution that allows Consumers to pay local Merchants directly from their bank accounts without any intermediaries. We connect Merchants directly with paying banks through seamless integration in the FIS, Fiserv, and Jack Henry banking cores to achieve much lower transaction fees with real-time capable settlement and greater Consumer Rewards. We put community banks and credit unions at the center of their local economies to increase their revenue, deposits, and Consumer lending.