Fintech company Intellect Design Arena has launched an AI-first payments platform for the US market.

Intellect calls the new system the “world’s only AI-first payments platformarchitected from first principles for business impact”.

According to the company, the platform applies AI models at key points before and during payment processing to support anomaly detection, predict exceptions and aid operational decision-making.

The solution is powered by Purple Fabric, described by Intellect as its Open Business Impact AI-First platform.

By applying intelligence at multiple decision points, the company says the set-up is intended to cut latency, reduce reconciliation workloads and increase operational predictability as transaction volumes rise and uptime expectations grow.

Intellect Payments offers a single orchestration layer connecting major US payment rails, including TCH RTP, the FedNow Service, ACH, Fedwire and SWIFT.

It is based on the firm’s eMACH.ai principles and its Pay9 architecture, and is designed to sit alongside existing cores, channels and operational systems.

The company says this approach enables banks and financial institutions to modernise payments infrastructure incrementally, rather than undertaking large, disruptive system replacements.

A low-code/no-code composable framework is intended to support the rapid rollout of new payment rails, which, according to Intellect, can be deployed in a matter of weeks instead of months to help banks scale innovation.

Intellect executive president & group chief revenue officer and CEO – Wholesale Banking Manish Maakan said: “As real-time payments scale, incremental upgrades are no longer sufficient. Banks need AI-first payment platforms designed specifically for the realities of regulated banking – platforms that combine speed, resilience, and operational intelligence without adding complexity.

“American banks need partners who understand their infrastructure, their competitive pressures, and their growth ambitions. That is exactly what we are focused on delivering in the US market.”

As part of what it refers to as “doubling down” on its US market commitment, Intellect is expanding its physical footprint.

The plan includes a new headquarters in New York City, an operations centre in Atlanta, and an AI development hub in Austin.

The company further highlighted an annual commitment of 2 million hours of research at dedicated R&D facilities in New York and Toronto.

Intellect recently also strengthened its regional leadership team with the appointment of Rakesh Srivastava as president and chief revenue officer for the Americas.