Invest and Collaborate to Build The CU Operating System

Join us in building the credit union ecosystem's future through cooperative investment in Emergifi and the Beastro platform.

About Emergifi

Where Fintech, Credit Unions, and Opportunity Come Together

Emergifi is a wholly owned Corporate Central Credit Union CUSO designed to connect the financial technology ecosystem. Acting as a connector, aggregator, and facilitator, we unite credit unions, fintech companies, and innovative tools to strengthen credit union services and modernize corporate operations.

Emergifi is not a cost sharing CUSO. Our model is built to drive innovation, scale solutions, and create long term value through collaboration with corporate credit union partners, fintechs, and investors. We focus on turning collaboration into opportunity and innovation into measurable growth.

The Problem

Credit unions face significant challenges in today's fragmented financial technology landscape.

Fragmented Systems

  • No central technical ecosystem for the credit union movement

Manual Workflows

  • Outdated processes limiting efficiency and growth

Siloed Data

  • Disconnected systems preventing unified insights

No CU Payment System

  • Lack of integrated payment infrastructure

The Solution

Beastro: The Credit Union Operating System

Beastro is an opportunity for the credit union industry to come together on a technology platform and compete more effectively among financial services industry competitors.

  • Industry-leading financial technology with open API-based architecture
  • Unique position as platform and hub for credit union transactions
  • Functionality driven by corporate credit union and member needs
  • SaaS and agile, allowing for frequent and rapid enhancements

Corporate Credit Unions

  • 4,000+ Credit Unions Served

Unified Money Movement System

  • Connecting fintechs and centralizing data across the ecosystem

Proven Traction

Real numbers demonstrating our platform's impact across the credit union ecosystem.

  • 0 Daily Money Movement
  • 0 Payment Transactions Annually
  • 0 Credit Unions Served
  • 0 Assets Under Management
  • 0 Wires Annually
  • 0 Annual Loan Volume
  • 0 Share Transactions Annually
  • 0 Annual Share Volume

Product Capabilities

Beastro is the integration and orchestration fabric that sits between a credit union's core, channels, data/AI, and external rails and partners.

Unified Connectivity

  • Normalizes data from core systems and third-party fintechs through secure APIs, events, and agentic workflows.

Payments Hub

  • Abstracts FedNow/RTP, ACH, and stablecoin rails—selectable by policy, price, speed, and risk.

Data Fabric and AI

  • Collectively leverage Analytics, Generative/Agentic AI, and Predictive Modeling.

Workflow Automation

  • Back-office automation for streamlined operations and reduced manual effort.

Ecosystem Marketplace

  • Pluggable connectors for quick adoption of best-of-breed solutions without vendor lock-in.

Beastro Platform Features

25+ integrated features powering credit union operations

Money Movement and Payments

  • ACH Receipt and Origination
  • Business ACH
  • Domestic Wires
  • International Wires
  • Funds Transfer
  • Money Movement

Accounts and Services

  • Online Banking Services
  • Loan Accounts
  • Share Accounts
  • Lines of Credit
  • Cash Letter Deposits

Cash Management

  • Cash Inventory Management
  • Corporate Cash, Cash Orders and Delivery
  • Forecasting Vendor Cost Pricing

Operations and Processing

  • Billing
  • Corporate Checking - Adjustments and Returns
  • Item Processing, Image Retrieval, Image Cash Letter Automation
  • User Administration

Investments and Assets

  • Investments - Certificate Orders
  • Safekeeping
  • Accounting System Integration

Integration and Platform

  • Open Banking, APIs
  • Vendor Integrations
  • Document Management
  • Notifications and Subscriptions

View Full Product Details

Business Model

Sustainable Growth Through Collaboration

  • Corporate credit union and credit union owned
  • Volume reduces cost for corporate credit unions and credit unions
  • Collaboration adds value for members
  • Recurring platform subscriptions
  • Fintech distribution platform and marketplace revenue share

Competitive Advantage

  • No vendor offers a corporate credit union solution
  • Competing effectively requires cooperative investment
  • Credit union developed 100% from the ground up

Technology Edge

  • Open API-based architecture for integration
  • 24/7 availability for instant money movement
  • One modern user interface for all interactions

The Ask

Investment Goals

Evergreen investments to support the credit union movement and build the fintech ecosystem.

  1. Connect, integrate, and grow fintech with the credit union operating system
  2. Help fintechs grow by leveraging the corporate credit union platform
  3. Build the credit union money movement channel
  4. Build and leverage the distribution channel through integration

Ready to Invest in the Future of Credit Unions?

Contact us to learn more about investment opportunities and how you can be part of building the credit union operating system.

Contact

Gregg Tushaus
President, Emergifi
Chief Technology and Strategy Officer, Corporate Central Credit Union

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