Financial technology company Hyperlayer today announced its formal availability in the US at MoneyLIVE North America, extending an offering already live with early global clients.

The challenges faced by US banks and credit unions are well documented: launching new products at the speed of fintech competitors while staying resilient. Rigid legacy cores are typically cited as the reason why progress has been slow, with infrastructure upgrades and replacement programs renowned for overshooting deadlines, scope, and budgets – as well as outright failure. According to McKinsey & Company research into digital transformation, just 30% of banks execute their strategy successfully, and only 18% hit their goals. Hyperlayer co-founder and CEO Rob Rooney, a former CEO at Morgan Stanley International, asserts that the problem isn’t in the core and the answer isn’t in the core either.

“Banking is a simple business: attract and retain customers, grow deposits, cross-sell the right product at the right time. What our clients need is a way to deliver these objectives at speed, while staying resilient. Every bank technology leader I talk to has watched a core replacement program run long and over budget. That doesn’t mean banks should stop modernizing. It means the innovation they need for today and the coming agentic economy – faster launches of better products, sharper lending decisions, real-time fraud detection – can’t rely on core infrastructure upgrades. Problem solving in the core is too risky, and it’s far too limited at the app level. Our programmable layer sits exactly where the industry’s own research says change belongs.”

Hyperlayer solves for another challenge faced by incumbents and their cores: most do not run a single core, but several from acquired entities, different regions or legacy brands that were never fully integrated. Most of Hyperlayer’s competitors are built to replace, upgrade or connect to one core at a time, leaving product and customer logic fragmented across the estate. Working with tier one global financial institutions through digital-native challengers to reduce time-to-market and product costs, Hyperlayer is built differently:

  • Connects to every core a bank runs at once, legacy or modern, home-grown or vendor, without a core replacement program.
  • Turns rigid, one-size-fits-all accounts into configurable Smart Accounts that each customer can personalize, within limits the bank defines.
  • Lets product teams configure new products and pricing directly in the layer, without waiting on a core release cycle.

Hyperlayer’s core-agnostic technology now helps banks and other financial institutions deliver the intuitive and highly personalized experiences customers want.

Built for what comes next

At the center of the Hyperlayer’s technology is a rules engine, which lets the bank, the customer, and authorized third parties including AI agents acting on a customer’s behalf set rules for accounts within bank-defined guardrails, enforced at the point of transaction and backed by a full audit trail.

“There are point solutions in this market that let a customer lock a card or automate a simple savings rule. What none of them do is let the customer, and now their AI agent, set conditional rules that act across every account, checking, savings, cards, wealth, at any point of transaction, not just one feature in one app. Ours is the only layer built so the bank, the customer, and an authorized agent can each set rules within the bank’s guardrails, wherever and whenever a transaction happens. That’s not a bigger version of a single feature. It’s a different category.”

Rob Rooney

While Hyperlayer’s technology is category-creating, Rooney argues its purpose is straightforward:

“However sophisticated our solution is, if it doesn’t help a bank keep a customer, grow a balance, or sell the next product, we haven’t built the right thing.”

Rob Rooney

Incumbents vs. challengers: Rob Rooney at MoneyLIVE, Chicago, September 15, 2026

Rooney takes to the main stage at MoneyLIVE in Chicago on September 15 to debate a question increasingly on every incumbent’s agenda: what decades-old institutions can take from banks built in the past ten years. Rooney’s take is that while disruptors have made real progress on digital app capabilities, they’re nowhere near incumbents when it comes to trust.

“Speed and resilience don’t have to be mutually exclusive. It all depends on where that innovation is implemented. Disruptors have perfected speedy development at app level. Incumbents can and must learn from this. But this is really just about a better UX to standard banking and payments activities. In our language, the app is too ‘cold’ for real product innovation. True transformation must go deeper, but doing it in the core infrastructure is risky: we say it’s too ‘hot’ and that’s why it is slow, risky and expensive. The solution to achieving speed with resilience is a Goldilocks innovation layer that goes deeper than the app but sits above the core. This delivers rapid progress without risking the stability and resilience of existing infrastructure.”

Rob Rooney

About Hyperlayer

Built by bankers for banks, Hyperlayer is the programmable layer that lets financial institutions innovate at fintech speed without disrupting the core they trust. Founded in 2023, its configurable design enables banks, credit unions, wealth managers, and other financial institutions to launch new products at pace, without replacing existing infrastructure. It is the technology behind HyperJar, its proprietary consumer money management app in the UK.

In 2025, Hyperlayer completed a $40m funding round backed by US investors Susquehanna International Group and Flintlock Capital, alongside lead investor CDAM (UK) Limited and participation from Mouro Capital and Iona Star.

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