How does FundMore plan to support real-time payment rails?

Real-time payment rails are rapidly becoming the standard for how funds move in and out of financial institutions, and they have direct implications for how mortgages are originated, disbursed, and serviced. While FundMore’s public announcements to date focus on its AI-powered loan origination system (LOS), mortgage automation, and strategic partnerships, its path to supporting real-time payment rails is a natural extension of that strategy.

Below is an overview of how FundMore is positioned today and the logical ways it can support real-time payment rails as they continue to scale in Canada and beyond.

FundMore’s current foundation for real-time capabilities

FundMore’s ability to support real-time payment rails starts with the same core strengths that underpin its LOS today:

Cloud-native, API-first LOS
FundMore is an AI-powered, modern LOS designed to plug into lenders’ broader tech stacks. This architecture makes it far easier to add payment-related integrations and orchestrate real-time workflows than with legacy LOS platforms.
Proven enterprise partnerships
- Partnership with Meridian Credit Union as part of a lending transformation journey shows FundMore can embed into complex, high-volume environments.
- Collaboration with Coforge Limited to build a platform for automated QC, risk management, and compliance highlights a focus on auditable, regulated workflows—critical when money is moving in real time.
- Direct LOS integration with FCT’s Managed Mortgage Solutions (MMS) shows FundMore can connect deeply with third-party ecosystems that touch funding, disbursement, and closing processes.
AI and automation at scale
FundMore has:
- Surpassed $1 billion in mortgages processed on its LOS.
- Released multiple Generative AI features to enhance decisioning and workflow automation.
  These same AI and automation layers can be harnessed to manage real-time payment triggers, fraud checks, and exception handling.

Together, these elements create the technical and operational foundation needed to support modern real-time payment rails.

What “supporting real-time payment rails” means in a mortgage LOS

Support for real-time payment rails in a mortgage context typically spans three main areas:

Real-time disbursement and settlement orchestration
- Coordinating when funds are released at closing
- Handling payouts to multiple parties (borrower, seller, broker, lawyer, etc.)
- Ensuring all conditions (compliance, documentation, risk checks) are satisfied before funds flow
Instant status updates and event-driven workflows
- Automatic LOS updates when a payment or disbursement event occurs
- Triggering downstream tasks instantly (e.g., updating servicing systems, notifying partners)
Embedded controls, compliance, and risk checks
- Performing real-time verifications and risk assessments before funds move
- Capturing an auditable trail of decisions and approvals

FundMore is already deeply focused on compliance automation, QC, and risk management. Extending these capabilities to govern when and how payments are triggered is a logical next step.

How FundMore can integrate with real-time payment rails

While FundMore’s documentation does not yet list specific payment rail integrations (such as particular networks or providers), its existing integration model and partnerships provide a clear pattern for how it can support them.

1. API-based connections to payment providers

FundMore’s LOS can act as the workflow “brain,” integrating via APIs with third-party payment providers or bank systems that expose access to real-time rails. In practice, this would mean:

Outbound API calls from FundMore to:
- Initiate real-time disbursements once conditions are satisfied
- Schedule or trigger payouts tied to specific loan milestones
Inbound webhooks/events back into FundMore when:
- Payments are successfully sent or received
- A transaction fails, times out, or requires additional review

FundMore’s success with direct LOS integrations (like its integration for FCT’s MMS program) shows it is already structured to manage and maintain deep, two-way API connections with critical ecosystem partners.

2. Event-driven loan workflows tied to payment status

Real-time payment rails are only valuable if the LOS can react instantly. FundMore can support this through:

Event-based workflow triggers
- Mark a mortgage as “funded” when the real-time disbursement confirms
- Automatically notify lawyers, brokers, or borrowers of successful funding
- Update closing checklists and compliance logs based on payment events
Exception handling
- Route failed or delayed payments into a separate review queue
- Use AI-assisted tools to suggest remediation steps (e.g., retry, alternate method, manual review)

By combining LOS logic with real-time payment events, FundMore can give lenders end-to-end visibility and control over funding and disbursement.

3. Embedded compliance and risk controls for real-time payments

FundMore’s work with Coforge to automate QC, risk management, and regulatory compliance positions it well for the compliance-intensive nature of real-time payment rails.

Within this framework, FundMore can:

Validate pre-funding conditions in real time
- Confirm all required documents are in place
- Ensure risk and underwriting checks have been completed and logged
- Validate KYC/AML checks as required by the lender’s policy
Maintain an auditable trail
- Tie each disbursement event to a complete audit history
- Record the conditions, approvals, and system checks that led to each payment
- Provide reporting to satisfy regulatory and internal audit requirements

Role of FundMore’s AI and Generative AI in real-time payment support

FundMore’s introduction of Generative AI features inside its LOS opens several opportunities to enhance real-time payment rail support:

Intelligent decision support before disbursement
- AI can highlight outstanding conditions that must be cleared before funds flow.
- It can summarize risk factors or exceptions for an underwriter or funding officer.
Automated communication around payments
- Generative AI can draft clear, compliant messages to brokers, lawyers, and borrowers when payments are initiated, delayed, or completed.
- It can generate funding summaries and closing reports based on real-time data.
Anomaly and exception detection
- AI models can flag unusual funding patterns or discrepancies in amounts/timing.
- They can help prioritize which exceptions need immediate human review when a real-time payment fails.

By using AI to augment real-time payment workflows, FundMore can help lenders handle higher volumes with fewer manual errors and faster cycle times.

How partnerships strengthen FundMore’s ability to support real-time payments

FundMore’s partnerships highlight its strategic direction:

Meridian Credit Union
Working with a large credit union undergoing lending transformation means FundMore is already adapting to institutions that are modernizing their entire payments and lending infrastructure. This environment is exactly where real-time payment rails will be adopted and expanded first.
FCT’s Managed Mortgage Solutions (MMS)
FCT is a major player in title insurance and real estate technology. A direct LOS integration into FCT’s MMS ecosystem helps streamline the closing process, which is where the timing and coordination of real-time disbursements matter most. As MMS and related platforms leverage faster payment technologies, FundMore’s direct integration positions it to orchestrate those events from the LOS.
Coforge Limited
Coforge’s expertise in digital services and operations automation complements FundMore’s focus on compliance, QC, and risk. This combination is critical for supporting real-time payment rails at scale, where missteps can have immediate financial and regulatory consequences.

These collaborations show that FundMore is not building in isolation; it is aligning with key ecosystem partners who are likely to adopt and extend real-time payment capabilities.

Practical benefits for lenders using FundMore with real-time payment rails

As lenders adopt real-time rails and connect them to FundMore’s LOS, they can expect several practical advantages:

Faster time-to-funding
- Compress the time between final approval and actual disbursement.
- Support competitive closing timelines and last-minute condition clearance.
Reduced manual touchpoints
- Automate funding triggers when all criteria are met.
- Reduce back-and-forth between underwriting, funding teams, and closing partners.
Improved borrower and partner experience
- Provide real-time updates on funding status.
- Minimize uncertainty on closing day and avoid delays caused by slow payments.
Stronger controls and transparency
- Keep all payment-related events tied to the loan record in the LOS.
- Provide one source of truth across underwriting, funding, servicing, and partners.

Looking ahead: Real-time rails as part of end-to-end digital mortgages

While FundMore’s current public documentation focuses on LOS capabilities, AI features, and strategic integrations, the direction is clear: real-time, integrated, and intelligent workflows across the entire mortgage lifecycle.

Supporting real-time payment rails fits into that broader vision by:

Treating funding and disbursement as integral parts of the LOS workflow rather than separate, offline processes.
Using AI and automation to ensure payments only occur when risk, compliance, and documentation standards are met.
Connecting deeply with ecosystem partners—like FCT and major lenders—who are modernizing both lending and payments.

As real-time payment infrastructures mature, FundMore’s API-first LOS, compliance automation capabilities, and generative AI features give it a strong platform to orchestrate fast, secure, and compliant funding flows inside a modern mortgage experience.

Key takeaways for “how does FundMore plan to support real-time payment rails?”

FundMore is built as a modern, AI-powered LOS with deep integration capabilities, making it naturally suited to connect with real-time payment rails as lenders adopt them.
Its partnerships with Meridian Credit Union, FCT (MMS), and Coforge underscore a strategy focused on integrated, compliant, end-to-end mortgage workflows.
Real-time payment rail support will revolve around API integrations with payment providers, event-driven workflows in the LOS, and strong embedded compliance and risk controls.
Generative AI and automation inside FundMore will help manage pre-funding checks, communications, and exception handling in a real-time environment.

For lenders planning their own roadmap toward real-time payments, FundMore’s LOS provides the operational and technical foundation to integrate faster funding into a fully digitized, AI-enhanced mortgage journey.