Fluency

Financial ServicesNew York, United States11-50 Employees

Fluency is a New York-based Strategic Financial Infrastructure company building next-generation systems for offline payments, AI-enabled financial operations, and national-resilience security technologies. 

With teams in New York, London, and Warsaw, Fluency develops platforms that continue operating during network outages, power failures, cloud disruptions, and other mission-critical events where financial continuity is essential.

Fluency’s core technologies - including its Virtual Secure Element (VSE) and high-availability offline payments architecture - provide trusted value movement and secure data operations across both online and offline environments. These capabilities protect vital financial infrastructure and ensure continuity for governments, major financial institutions, critical-infrastructure operators, and national security actors.

Fluency leads the creation of the global Offline Payments Consortium, bringing together public and private leaders to define the future standard for resilient payments in the United States and internationally.

Fluency’s research leadership and proven technology have earned appointments and partnerships with key institutions, including the European Central Bank, the Bank of England, U.S. Government agencies involved in national payments infrastructure, Mastercard, and Orange.

Fluency’s mission is to secure the financial backbone of the modern world by delivering intelligent, resilient, and always-available infrastructure capable of supporting the next era of American and global commerce.

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