Intelligent Business Systems
The machine that
runs your business.
While you lead it.
SWXNN is the managed intelligence practice of SWAN Financial Technologies. We redesign your payment infrastructure, implement AI across your operations, and remain retained to govern and report on everything — continuously, worldwide.
Scroll
What is SWXNN
Your fractional fintech and AI operations division.
Most businesses are overpaying, underoptimized, and two years behind on AI. SWXNN fixes all three simultaneously and stays retained to maintain everything built.
Rather than hiring a VP of Fintech, an AI consultant, and a payment operations director at a combined cost exceeding USD 600,000 annually, SWXNN delivers all three functions under a single monthly retainer. We embed into your business, redesign what is broken, implement what is missing, and generate a monthly SWXNN Intelligence Report with precise guidance on how to adjust and improve in the period ahead.
I
We audit what you have
A full diagnostic of your payment infrastructure, software stack, vendor contracts, and operational workflows. Most clients identify between USD 8,000 and USD 40,000 in annual fees they did not know they were paying.
II
We redesign what is not working
We restructure your merchant processing, consolidate fragmented systems, renegotiate vendor terms, and build a unified payment architecture powered by SWAN's T1 processor infrastructure and global network.
III
We implement AI across your operations
Not a strategy document. We identify, deploy, and configure the best AI technology available to automate reconciliation, reporting, scheduling, client communication, forecasting, and back-office functions specific to your business.
IV
We stay retained to govern and report
On retainer. Monitoring your systems, optimizing AI performance, managing vendor relationships, and producing your monthly SWXNN Intelligence Report — a consolidated brief on what to adjust, improve, and act on in the month ahead.
The Problem We Solve
You are running a modern business on infrastructure that no longer fits it.
Every month, costs compound in silence. Tools that were never evaluated. Rates that were never renegotiated. Staff completing work that should be automated. The gap between where you are and where your business should operate is wider than you think.
Overpaying for payment processing
Most mid-market businesses are operating on legacy merchant rates, paying between 15 and 40 percent more than necessary. Contracts have not been renegotiated in years. No one has audited the stack.
Fragmented systems with no integration
Point of sale, CRM, accounting, payroll, scheduling — separate vendors, separate logins, separate monthly fees, and zero communication between them. Reconciliation becomes a manual weekly exercise.
Staff completing work AI should be doing
Reconciliation, financial reporting, follow-up communication, data entry, document processing — hours of daily human time spent on tasks that properly configured AI systems complete in minutes.
No governed AI strategy
AI tools have been tried. Nothing has been deployed systematically, integrated with existing systems, or measured for return. The opportunity is real. The execution has not matched the ambition.
The internal team does not yet exist
A VP of Fintech, an AI implementation specialist, and a payment operations director would cost in excess of USD 600,000 annually in fully loaded compensation. SWXNN delivers all three functions on a single monthly retainer.
Core Services
Three disciplines.
One retained partner.
Every SWXNN retainer covers all three service disciplines — deployed simultaneously, governed continuously, and reported on monthly.
I
Fintech Ecosystem Redesign
We audit, restructure, and manage your complete payment and financial technology architecture from merchant processing through to treasury operations.
- Full merchant account audit and rate optimization
- Payment processor evaluation, selection, and negotiation
- Point of sale and payment technology consolidation
- Chargeback management and dispute reduction
- Multi-location and multi-currency architecture
- Embedded finance and treasury structuring
II
AI Implementation and Management
We identify, configure, and actively manage the best AI technology available for your business — replacing manual workflows with intelligent, measurable automation.
- Operational workflow mapping and automation
- AI-powered financial reconciliation and reporting
- Client and vendor communication automation
- Demand forecasting and resource scheduling
- Document processing and data extraction
- Continuous AI governance and performance optimization
III
SWXNN Intelligence Reporting
We consolidate data across all implemented systems and deliver a monthly SWXNN Intelligence Report — a precise, executive-level brief on where to adjust, fix, and improve in the period ahead.
- Unified financial and operational performance view
- Automated anomaly detection and cost flagging
- Vendor benchmarking and spend analysis
- Processing volume, margin, and efficiency tracking
- Monthly executive intelligence brief with action priorities
- Quarterly strategic review with SWXNN advisor
›reconciliation.run(Q1_2026)
// 4,217 transactions across 3 processors
›anomaly.scan(merchant_fees)
// Fee overcharge flagged · USD 2,340
›report.generate(swxnn_brief)
// 14 data sources consolidated · 1 report
›comms.dispatch(followup_sequence)
// 23 messages scheduled and personalized
›status.verify(all_systems)
// All nominal · Next review: 06 Apr 09:00
The Intelligence Layer
This runs while you run your business.
SWXNN's AI infrastructure operates continuously in the background — monitoring accounts, detecting anomalies, automating reports, managing communications, and optimizing every system we have implemented. Each month, all of this feeds into a single SWXNN Intelligence Report delivered to your desk.
Reconciliation
Anomaly Detection
Report Generation
Vendor Monitoring
Cash Flow Forecasting
Communication Automation
Rate Benchmarking
Contract Surveillance
$40K
Average annual payment savings identified in the first audit
80%
Of back-office tasks eliminated through AI automation at full deployment
30 days
From signed retainer to first live implementation
10×
Typical return on investment versus building an internal team
Who This Is For
Built for businesses that are serious about operational precision.
SWXNN serves mid-market businesses generating USD 5M and above annually — with real operational complexity, genuine commercial ambition, and the recognition that the infrastructure must match both. We work with clients worldwide.
Hospitality and Food Service
Restaurant groups, hotel operators, and event venue operators. Multiple locations, fragmented point of sale systems, outdated loyalty programs, and no unified payment data across the portfolio.
Healthcare and Wellness
Medical spas, dental groups, elective health practices, and veterinary chains. High-margin, billing-complex businesses almost universally running on legacy payment infrastructure.
Professional Services
Law firms, accounting firms, staffing agencies, and consultancies. Archaic billing systems, poor collections processes, and significant gaps in AI adoption across operations.
Specialty Retail and Franchise
Multi-location retailers and franchise systems. Payment fragmentation across locations, manual reconciliation overhead, and back-office complexity that AI can resolve almost entirely.
Real Estate Operations
Property management companies, commercial operators, and short-term rental platforms. Rent collection, vendor payment, reconciliation, and tenant communication are all prime candidates for modernization.
Growth-Stage Enterprises
Any business scaling past USD 5M that requires senior fintech and AI governance without yet having built the internal team to deliver it consistently and at the required level of precision.
How It Works
Four stages from assessment to autopilot.
I
Discovery Audit
We map your complete payment stack, software ecosystem, vendor contracts, and operational workflows. We quantify inefficiency, identify savings, and size the AI automation opportunity.
Weeks 1 to 2
II
System Design
We deliver a restructured fintech architecture and a prioritized AI implementation roadmap with specific tools, specific workflows, and specific return projections. You review and approve the plan.
Weeks 3 to 4
III
Implementation
We execute. Payment infrastructure is activated, AI tools are deployed, automations go live. Your team is oriented on what they need to know. Nothing more is asked of them.
Weeks 4 to 8
IV
Retained Governance
Monthly retainer begins. SWXNN monitors, optimizes, and governs your systems continuously. Each month you receive your SWXNN Intelligence Report and direct access to your dedicated advisor.
Month 2 onward
Retainer Tiers
Structured for the business,
not the enterprise.
All retainer tiers include the initial Discovery Audit and system design phase. There are no hidden setup fees. All pricing is in USD.
Audit
$1,000 USD
one-time engagement
For businesses not yet ready for a full retainer who want to understand precisely what they are paying, where they are losing, and what the AI opportunity looks like.
- Full payment ecosystem audit and rate analysis
- Vendor contract and fee benchmarking
- AI readiness assessment across operations
- Written recommendations report
- One advisory session to review findings
Foundation
$5,000 USD
per month · annual retainer
For businesses ready to consolidate their payment infrastructure and deploy their first AI automations under ongoing governance.
- Full payment ecosystem audit included
- Merchant rate optimization and renegotiation
- Up to three AI workflow automations
- Monthly SWXNN Intelligence Report
- Dedicated SWXNN advisor
- Quarterly strategic review session
Most Selected
Accelerate
$9,500 USD
per month · annual retainer
For multi-location or more complex businesses requiring full-stack fintech redesign and comprehensive AI implementation across operations.
- Everything in Foundation
- Full fintech ecosystem redesign
- Unlimited AI workflow automations
- Unified business intelligence reporting
- Weekly performance monitoring
- Vendor contract management
- Priority implementation support
- Enhanced monthly intelligence brief
Enterprise
Custom
tailored engagement · USD
For complex, multi-entity organizations requiring embedded finance architecture, treasury structuring, and full AI operations governance at scale.
- Everything in Accelerate
- Multi-entity and multi-jurisdiction structuring
- Embedded finance and treasury architecture
- Dedicated implementation team
- Board and executive-level reporting
- Direct SWAN Financial Technologies infrastructure access
A note on eligibility. SWXNN primarily serves businesses generating USD 5M and above in annual recurring revenue. We also consider businesses generating from USD 1M annually on a case-by-case basis — specifically where we believe the company is genuinely innovating within its segment or market and would benefit meaningfully from SWXNN's infrastructure. If you believe this describes your business, we encourage you to apply.
We work with clients worldwide.
SWXNN serves businesses across North America, Latin America, Europe, the Middle East, and Asia Pacific. Our infrastructure, reporting, and advisory capabilities operate across all major jurisdictions and currencies.
New York
Miami
Los Angeles
London
Dubai
Riyadh
Monaco
Mexico City
São Paulo
Singapore
Sydney
Worldwide
Find out what you are
leaving on the table.
Schedule a complimentary 30-minute assessment. We will tell you exactly what we find and what it is worth addressing — before you commit to anything.
Reach us directly hello@swanfintech.io