Swirepay began with a firsthand problem. While running his own business in Silicon Valley and working with many of the region's biggest tech companies, Founder and CEO Adithya Murali struggled with an outdated reality. Managing finances meant juggling checks and wires, manually reconciling transactions, and never having a clear, real-time view of what was happening.

The frustration sparked a bigger idea. Bring modern digital money movement to the U.S., inspired by the speed and simplicity already common in places like India and Brazil. After an early interview with Y Combinator based on the concept alone, Adithya was encouraged to build domain expertise and prove customer success in the real world.

Adithya traveled to India and built the earliest versions of Swirepay on the ground. The results came fast. Swirepay impressed ICICI Bank and secured the Electricity Board of Tamil Nadu by reducing processing, settlement, and reconciliation time from nearly three hours to less than 30 minutes, while helping manage funds across more than eight bank accounts serving over 25 million customers.

The impact in India became Swirepay's proof point, and it was soon recognized across the country as a marquee settlement and reconciliation solution. Swirepay became ICICI's 27th investment, anchoring a $5+ million seed round alongside other investors from Silicon Valley and across the U.S.

ICICI Bank introduced Swirepay to its corresponding bank in the U.S., BNY, helping establish credibility stateside and setting the stage for long-term partnership and expansion. Today, Swirepay partners with leading banks and fintech platforms to modernize legacy money movement across the U.S. Through integrations and collaborations with companies like Fiserv, PayPal, and Plaid, Swirepay brings instant payments and AI-powered reconciliation to industries that still rely on manual processes.