Key takeaways:
- Flyra has come out of stealth, launching FlyraOS, a financial operating system built to unify wallets, payments, cards, lending and compliance on one ledger
- The company is led by Oneal Bhambani, a former chief financial officer at Flutterwave
- Flyra’s own consumer app is already live in the US, UK, Nigeria and Mexico, running on the same infrastructure it plans to sell to enterprise clients
Flyra, a fintech startup led by former Flutterwave CFO Oneal Bhambani, has come out of stealth with the launch of FlyraOS, a programmable financial operating system designed to unify stablecoin-powered wallets, payments, cards, lending and compliance under a single infrastructure.
The company announced its launch in a post on LinkedIn. “Most stablecoin announcements end at the press release. We are fixing that,” Bhambani, the CEO of Flyer, said. Bhambani described FlyraOS as “an end-to-end programmable financial operating system, built on a proprietary configurable ledger, that unifies wallets, payments, cards, lending, rewards, compliance, and AI.”
Flyra said businesses can launch using its integrated partners or plug in their own existing vendors, with AI agents built into the system to automate workflows across payments, lending, reconciliation, customer operations and card optimization. The company said clients could go live on the platform “in as little as 60 days.”
Flyra said it is not simply selling the infrastructure but running its own consumer product on it. “We don’t just sell FlyraOS. We run on it,” the company said, noting that its consumer app is already live across the US, UK, Nigeria and Mexico, powered by the same system it is now opening to enterprise customers.
Why Flyra says the market needs one system
Speaking further, Bhambani pointed to a wave of stablecoin product launches across payments and payroll in recent weeks, citing Deel, Flutterwave, Corpay and Western Union as companies that have rolled out stablecoin offerings, with marketplaces and gig platforms following close behind. The company argued that this rush has pushed most businesses toward stitching together separate vendors for wallets, ramps, cards and identity verification, a setup it called unsustainable.
“It’s a mess. Data is fragmented, products are disconnected, AI can’t see the full picture, and every new launch gets harder,” Flyra said.
According to Flyra, that fragmentation erodes customer lifetime value and makes it difficult for companies to maintain direct ownership of their customer relationships as they add financial features. “The answer is one programmable financial system and we spent the last year building it,” the company said.
Flyra separately disclosed in an earlier LinkedIn post that Coinbase Ventures’ Base Ecosystem Fund has invested in the company as it emerged from stealth, joining other backers including Blockwall Management, Overlook and Rally Cap VC.
The company was founded in 2025 and is headquartered in San Francisco.
A bet on owning the underlying system
Flyra framed its long-term strategy around infrastructure ownership rather than partnership breadth. “The next generation of financial services won’t be won by the biggest stack of partners. It’ll be won by the companies that own the system underneath,” the company said.
Bhambani spent time at Flutterwave, Africa’s most valuable fintech, before founding Flyra, a background that places him among a growing number of fintech executives moving from established African payment platforms into stablecoin-focused ventures targeting global markets.
Flyra said it is now onboarding a small group of enterprise partners as it scales the platform beyond its own consumer app.