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Your clients opened accounts.

Your clients
opened accounts.

They never moved over.

InstaSwitch is the account activation layer that closes the gap between accounts opened and accounts where income, payroll, spend, vendors, and client payments have fully moved.

See how it works

95%

higher lifetime value from accounts where income and payroll move within 7 days of opening

InstaSwitch customer data

$3.5M

and 7 tools transferred in a single 15-minute session by one end user

End user · platform deployment

300+

switching guides covering the tools your business clients actually run

35 automations · 25 wire instruction sets

What it gets your bank

Three outcomes.

One embedded layer.

Activation rate you can finally measure

Most banks only track funded accounts. That is a milestone, not a predictor. InstaSwitch introduces the metric that actually determines account value: activation rate.

Deposit depth that compounds

A fully activated account generates interchange revenue, deposit depth, and cross-sell surface. A funded but dormant one generates none of those.

Re-engagement for your dormant book

Clients who opened months ago and never fully moved get a specific action item, not a general check-in. InstaSwitch works on your existing book.

In their words

What buyers and

users say.

LIVE DEPLOYMENT · FINTECH PLATFORM

"If you ask any banker, and I have been in this business for 52 years, what is the hardest thing to do: to switch a non-interest bearing checking account from one bank to the other. Even if you have a product that has many more features and functions, they just don't do it."
CEO
Large Business Bank · Intro Call Aug 2025
"The solution fits really nicely into our overall digital ecosystem. We're automating account opening, digitizing that whole process, and this is the next logical step."
Jenn Taylor
Axos · Digital Product
"We transferred $3.5M and 7 tools in a single 15-minute session. We were 90% of the way to switching. InstaSwitch got us over the line."
Chief of Staff
Platform End User · $3.5M transferred
"The biggest speed bump is not opening the account. It is moving recurring payments, vendor data, and payroll. InstaSwitch removes that friction entirely."
Managing Director
$40B Bank
"If you ask any banker, and I have been in this business for 52 years, what is the hardest thing to do: to switch a non-interest bearing checking account from one bank to the other. Even if you have a product that has many more features and functions, they just don't do it."
CEO
Large Business Bank · Intro Call Aug 2025
"The solution fits really nicely into our overall digital ecosystem. We're automating account opening, digitizing that whole process, and this is the next logical step."
Jenn Taylor
Axos · Digital Product
"We transferred $3.5M and 7 tools in a single 15-minute session. We were 90% of the way to switching. InstaSwitch got us over the line."
Chief of Staff
Platform End User · $3.5M transferred
"The biggest speed bump is not opening the account. It is moving recurring payments, vendor data, and payroll. InstaSwitch removes that friction entirely."
Managing Director
$40B Bank
"If you ask any banker, and I have been in this business for 52 years, what is the hardest thing to do: to switch a non-interest bearing checking account from one bank to the other. Even if you have a product that has many more features and functions, they just don't do it."
CEO
Large Business Bank · Intro Call Aug 2025
"The solution fits really nicely into our overall digital ecosystem. We're automating account opening, digitizing that whole process, and this is the next logical step."
Jenn Taylor
Axos · Digital Product
"We transferred $3.5M and 7 tools in a single 15-minute session. We were 90% of the way to switching. InstaSwitch got us over the line."
Chief of Staff
Platform End User · $3.5M transferred
"The biggest speed bump is not opening the account. It is moving recurring payments, vendor data, and payroll. InstaSwitch removes that friction entirely."
Managing Director
$40B Bank
"If you ask any banker, and I have been in this business for 52 years, what is the hardest thing to do: to switch a non-interest bearing checking account from one bank to the other. Even if you have a product that has many more features and functions, they just don't do it."
CEO
Large Business Bank · Intro Call Aug 2025
"The solution fits really nicely into our overall digital ecosystem. We're automating account opening, digitizing that whole process, and this is the next logical step."
Jenn Taylor
Axos · Digital Product
"We transferred $3.5M and 7 tools in a single 15-minute session. We were 90% of the way to switching. InstaSwitch got us over the line."
Chief of Staff
Platform End User · $3.5M transferred
"The biggest speed bump is not opening the account. It is moving recurring payments, vendor data, and payroll. InstaSwitch removes that friction entirely."
Managing Director
$40B Bank

"If you ask any banker, and I have been in this business for 52 years, what is the hardest thing to do: to switch a non-interest bearing checking account from one bank to the other. Even if you have a product that has many more features and functions, they just don't do it."
CEO
Large Business Bank · Intro Call Aug 2025
"The solution fits really nicely into our overall digital ecosystem. We're automating account opening, digitizing that whole process, and this is the next logical step."
Jenn Taylor
Axos · Digital Product
"We transferred $3.5M and 7 tools in a single 15-minute session. We were 90% of the way to switching. InstaSwitch got us over the line."
Chief of Staff
Platform End User · $3.5M transferred
"The biggest speed bump is not opening the account. It is moving recurring payments, vendor data, and payroll. InstaSwitch removes that friction entirely."
Managing Director
$40B Bank
"If you ask any banker, and I have been in this business for 52 years, what is the hardest thing to do: to switch a non-interest bearing checking account from one bank to the other. Even if you have a product that has many more features and functions, they just don't do it."
CEO
Large Business Bank · Intro Call Aug 2025
"The solution fits really nicely into our overall digital ecosystem. We're automating account opening, digitizing that whole process, and this is the next logical step."
Jenn Taylor
Axos · Digital Product
"We transferred $3.5M and 7 tools in a single 15-minute session. We were 90% of the way to switching. InstaSwitch got us over the line."
Chief of Staff
Platform End User · $3.5M transferred
"The biggest speed bump is not opening the account. It is moving recurring payments, vendor data, and payroll. InstaSwitch removes that friction entirely."
Managing Director
$40B Bank
"If you ask any banker, and I have been in this business for 52 years, what is the hardest thing to do: to switch a non-interest bearing checking account from one bank to the other. Even if you have a product that has many more features and functions, they just don't do it."
CEO
Large Business Bank · Intro Call Aug 2025
"The solution fits really nicely into our overall digital ecosystem. We're automating account opening, digitizing that whole process, and this is the next logical step."
Jenn Taylor
Axos · Digital Product
"We transferred $3.5M and 7 tools in a single 15-minute session. We were 90% of the way to switching. InstaSwitch got us over the line."
Chief of Staff
Platform End User · $3.5M transferred
"The biggest speed bump is not opening the account. It is moving recurring payments, vendor data, and payroll. InstaSwitch removes that friction entirely."
Managing Director
$40B Bank
"If you ask any banker, and I have been in this business for 52 years, what is the hardest thing to do: to switch a non-interest bearing checking account from one bank to the other. Even if you have a product that has many more features and functions, they just don't do it."
CEO
Large Business Bank · Intro Call Aug 2025
"The solution fits really nicely into our overall digital ecosystem. We're automating account opening, digitizing that whole process, and this is the next logical step."
Jenn Taylor
Axos · Digital Product
"We transferred $3.5M and 7 tools in a single 15-minute session. We were 90% of the way to switching. InstaSwitch got us over the line."
Chief of Staff
Platform End User · $3.5M transferred
"The biggest speed bump is not opening the account. It is moving recurring payments, vendor data, and payroll. InstaSwitch removes that friction entirely."
Managing Director
$40B Bank

$40B bank

Cleared InfoSec, Risk, and Legal

$3.5M

and 7 tools transferred in a single 15 minute session by one end user

What it delivers

Bank-grade compliance. Already cleared.

Compliance from a $40B bank

$40B

institution where InstaSwitch cleared InfoSec, Risk, and Legal

SOC2

Type 1 certified. Type 2 observation begins April 2026.

VGS

Tokenization and vaulting. User credentials never stored or exposed.

Zero-trust

Least-privilege architecture throughout. DD questionnaire available from day one.

How it works for your users

From account opening to

fully activated.

Embedded inside your digital onboarding flow. Fully white-labeled. Your clients see your brand throughout.

Embedded SDK

Your brand throughout

300+ tools covered

Step 1

User

Connects accounts

InstaSwitch identifies every tool and direct payment running through their existing accounts: income, payroll, spend tools, vendor payments, and client ACH and wire details.

Step 2

User reviews payables and income, then funds their

User reviews
payables and income, then funds their

User reviews payables and income, then funds their

new account

InstaSwitch presents everything that needs to move, with new account details pre-loaded. The client confirms the transfer, moves an opening balance, and works through each item.

Step 3

InstaSwitch updates tools

InstaSwitch
updates tools

automatically

Common tools update automatically in under 30 seconds. Everything else uses a guided flow with account details pre-loaded. No looking anything up. Every session reaches completion.

Why not the alternatives

You've seen what

doesn't close the gap.

What you have tried

Congratulations emails and support articles

Support staff handling transitions manually

Financial incentives and speed bonuses

Building an in-house activation flow

Clients act, not just read. Full switch in one session

No rep needed. Guided flows do the work

Removes the friction, not just the excuse

300+ verified guides, 35 automations, already built

How it fits into your stack

Embedded directly

in your product

Embedded SDK

Embedded SDK

InstaSwitch inside your digital onboarding flow

Deploys inside your digital account opening flow. Client stays in your product throughout. Fully white-labeled, no InstaSwitch branding visible. New account details pre-loaded at every step.

SOC 2 Type 1 certified

Type 2 observation April 2026

Zero-trust architectureon rounds

VGS vaulting for sensitive values

Integration docs on request

Purpose built

Target deployment for Small Business Banks

Your Branding

Fully white-label, your brand throughout

Built for speed

New account details pre-loaded at every step

300+ tools covered

35 automations · 25 wire instruction sets

Coming soon

API-Driven

Full programmatic access for banks with custom digital infrastructure. Activation logic integrates into your own front-end. Complete engineering control over the user experience.

Available Q3 2026

Full API access to activation logic

Integrate into your own front-end

See it in

your activation funnel.

30 minutes to walk through where accounts are stalling and whether InstaSwitch fits your digital onboarding flow.

Book a discovery session

The fastest way to activate new accounts, increasing your deposits and primary relationships.

Home

Contact

Demo

Terms and conditions

See it in

your activation funnel.

30 minutes to walk through where accounts are stalling and whether InstaSwitch fits your digital onboarding flow.

Book a discovery session

The fastest way to activate new accounts, increasing your deposits and primary relationships.

Home

Contact

Demo

Terms and conditions

See it in

your activation funnel.

30 minutes to walk through where accounts are stalling and whether InstaSwitch fits your digital onboarding flow.

Book a discovery session

The fastest way to activate new accounts, increasing your deposits and primary relationships.

Home

Contact

Demo

Terms and conditions

Your clients opened accounts.

Your clients opened accounts.

They never moved over.

95%

$3.5M

300+

Three outcomes.