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Alternatives

Products that do what OpenFedNow does

Free dual-rail FedNow + RTP middleware for community banks

  1. 1

    Accept Instant Fednow, Wire & Zelle payments in your website

    2023

  2. 2WB

    Hi HN! For the past bit we’ve been building Flowglad (https://flowglad.com) and can now feel it’s just gotten good enough to share with you all: Repo: https://github.com/flowglad/flowglad Demo video: https://www.youtube.com/watch?v=G6H0c1Cd2kU Flowglad is a payment processor that you integrate without writing any glue code. Along with processing your payments, it tells you in real time the features and usage credit balances that your customers have available to you based on their billing state. The DX feels like React, because we wanted to bring…

    Nov 2025 · github.com

  3. 3
    Flowglad279

    Open source, webhook-free payments that AI can one-shot

    Dec 2025

  4. 4OO

    Hi HN, Nick here. We’re launching OpenKnowledge (https://openknowledge.ai/), a “what you see is what you get” markdown editor that has direct integrations with Claude, Codex, and other agents. Available as MacOS app or Web UI+CLI. Fully free/local and OSS. We built this because we wanted a Notion-like experience for writing and sharing markdown files across our team. Obsidian is the best alternative we tried, but found it doesn’t have a true WYSWIG UI and it didn’t integrate well with Claude/Codex outside of community plugins. So we built OpenKnowledge. It takes…

    Jun 2026 · github.com

  5. 5

    Tap to Pay for Stablecoins

    Nov 2025

  6. 6

    Build custom payments flows in 5 minutes

    2024

  7. 7

    Send, receive and organize your money without crazy fees

    2017

  8. 8

    Access your bank data in ChatGPT & Claude via Open Finance

    May 2026 · cumbuca.com

  9. 9
    Dots 2.0162

    Automate 1099/W8 payouts across any rail globally

    2022

  10. 10
    Sendr114

    Send money like a Text Message. Powered by Stablecoins.

    Apr 2026

  11. 11

    Open-source financial core for building fintech products

    2025

  12. 12

    Send business payments to any country in any currency.

    2018

  13. 13
    Paykassma174

    High-risk payment gateway for +20% conversion increase

    2024

  14. 14FL

    We built a local-first, private, multi-currency, double-entry based personal finance app. It will help you track, visualize, and plan your financial journey. Use the `Try demo` button, to try it without an account. Small screens (mobiles) are not supported yet. By local-first we mean, your data is on your system (we use sqlite over opfs, in browser). For synching across devices, the data is encrypted with your key before it leaves your device. You can backup the data locally (if you are using chrome) and/or to your dropbox. It's designed so that we (the people building it) can't access…

    Nov 2025 · finbodhi.com

  15. 15

    Modern bill payments, payouts, and invoicing

    2021

  16. 16
    Wave95

    Free financial software for your small business

    2014

  17. 17

    Hey, I'm Ben. I built Zoneless because I was paying so much to use Stripe Connect on my own marketplace. The fees were really, really bad, and it was also limiting in terms of the seller countries I could onboard. To give you an idea, I was paying around $9,000 per month in fees just to run payouts. Using Zoneless, that cost goes down to around $6. I've been using it personally for the past few months, and onboarded 5,000+ sellers and done 3,000+ payouts. 74% of new sellers on my marketplace choose Zoneless over Stripe, which is really interesting. I appreciate crypto and stablecoins are a…

    17d ago · zoneless.com

  18. 18

    Joint accounts reimagined for modern relationships

    2021

  19. 19DW

    Hi there, we’re Kenneth and Michal, the co-founders of DLT Payments Our journey began with the vision to build a business-centric DeFi platform, serving as a one-stop gateway to the world of Web3 for professional users. Today, we’re officially announcing our open beta. Check it out!

    2023 · dltpay.com

  20. 20

    Know payor take before you bill; kill that scope creep.

    Jul 2026 · freepaycalc.com

  21. 21

    Track money in 2 currencies. Offline. Free.

    Jun 2026 · play.google.com

  22. 22AS
  23. 23HO

    Hi HN! Ben here from hyprsqrl, and I just open-sourced something we’ve been quietly running in production: *hyprsqrl is a self-hostable bank. Think Revolut (if you know it), but every line of code is MIT/AGPL, you can run it on your own box, and the crypto bits stay hidden under the hood. --- ### Why we built it Moving money between USD and EUR still means wire fees, surprise freezes, and “call your bank” hoops. Fintechs like Revolut help—until their pricing changes or a regulator knocks. hyprsqrl aims for the resilience of self-hosting *without* forcing users to study crypto. Two…

    2025 · github.com

  24. 24

    No cash, no two-way swaps. Just loops that close.

    Jun 2026 · sycloop.com

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