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Straddle is an account-to-account payment infrastructure company built for modern platforms and merchants. We provide the tools to move money directly between bank accounts—securely, intelligently, and without the friction of legacy payment rails. Our platform offers a single, developer-friendly API that handles everything from customer onboarding and identity verification to balance checks, fraud prevention, and real-time transaction orchestration. With Straddle, businesses gain full visibility and control over how money moves, while meeting compliance and risk requirements from day one. We support a wide range of account-to-account flows including one-time charges, recurring payments, scheduled payouts, and multi-party platform transactions. Straddle is designed to work seamlessly in the background, giving your team the infrastructure it needs to launch, scale, and manage payments with confidence. While many payment systems are built for card-first environments, Straddle is purpose-built for the bank ecosystem. Our focus on security, reliability, and transparency makes us an ideal partner for software platforms and businesses operating in finance, lending, logistics, B2B services, and other sectors where trust and compliance matter. We believe payments should be powerful, programmable, and invisible. That’s why we’re building infrastructure that helps developers move money the way they move data—flexibly, securely, and at scale.

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Keith Raphael is the Co-founder and CEO of straddle.

14 people are employed at straddle.

straddle is based in Broomfield, Colorado.

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