Embedded FintechEnabled Instantly

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Tern is a FinTech infrastructure provider that empowers startups and financial institutions to quickly launch embedded payments and banking products.




Tern offers a branded onboarding experience, supporting both KYC (Know your Customer) and KYB (Know your Business).

By integrating the
best-of-breed data and identity services with real-time bank verification, Tern seamlessly helps you add onboarding to your web and mobile apps.


Prepaid and DDA accounts (Direct Deposit Accounts) can be launched via Tern supporting both physical and virtual cards.

Both GPR (General Purpose Reloadable) and corporate cards can be deployed to satisfy a number of use cases from corporate incentive to EWA (earned wage access) and neobank support.


A core function of many FinTech applications is payouts.

Tern supports a growing list of payout options including virtual/physical cards, ACH, Real Time Payments (RTP), OCT (Original Credit Transaction), ACH, Wire, and Cross-Border.

Recent News Updates

November 5, 2021
Tern brings finance tech to all with fintech-as-a-service

November 5, 2021 – Finledger.com – In recent years, fintech has grown to mean many things to many different people. While the number of fintech companies has continued to skyrocket, alongside digital adoption, record-setting funding rounds and eye-popping valuations, organizations in other sectors and markets have also begun to look into incorporating these services into their platforms.

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October 20, 2021
Tern Powers TransferMex to Enable U.S. Employers to Distribute Prepaid Cards with Same Day Cross-Border Remittance Capabilities

October 20, 2021 – New York City, NY — Tern, a leader in ‘Fintech-as-a-service’, today announced the roll-out of their same day cross-border remittance capabilities for TransferMex. Tern’s end-to-end solution includes everything from a branded prepaid card and bilingual app to embedded KYC, AML, CIP,  infrastructure, and analytics reporting.

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October 13, 2021
Tern Appoints Jerry Uffner as President to Propel Next Stage of Growth

October 13, 2021 – New York, NY – Tern, a leader in B2B SaaS payment automation and infrastructure, today announced that Jerry Uffner has joined as President of Tern. Jerry was most recently a Senior Vice President at the FIS Prepaid Division and has been a senior executive at several payments companies.  

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Tern’s leadership combines experience & talent

Brion Bonkowski
CEO & Founder
Corey Glaze

Chief Product Officer
& Co-Founder
Jerry Uffner
George Stamps
General Counsel &
Chief Compliance Officer
Joost van Schijndel
Scott Fayed
Josh Miller
VP of Engineering
Elyse Jupiter
Senior Solutions Architect
Indigo Glaze
Director of Operations
Hans Zhang
Senior Platform Architect
Ethan Andrews
Head Of Design
Nathanael Fletcher
Software Engineer
Ryan Uffner
Sales & Account Manager
Abel Zhang
Software Engineer
Alyssa Ventrella
Design Specialist
Reilly Moriarty
Marketing Manager
Ian Baldonadi
Customer Success Manager
Tracy Sun
Software Developer


Zac Smith
Hitomi Iba