Backed by $25M from the investors behind Chime and OpenAI, Fuse eliminates the multiyear contract and makes its AI-generated Point of Sale free for every Credit Union, forever.
NEW YORK, July 14, 2026 — Fuse, the AI-native loan origination and account opening platform backed by $25M from the investors behind Chime and OpenAI, and that is trusted by more than 100 Financial Institutions, today announced Fuse AI POS: the industry's first AI-generated Point of Sale. The core product is free for every Credit Union, permanently.
This is not a promotion. It is a category reset.
The End of the Multiyear Vendor Risk
For decades, deploying a Point of Sale meant one thing: a multiyear contract signed on projections nobody could verify, ROI calculations built on assumptions, and annual minimums that locked you in before you could prove a single dollar of value. Credit Unions were not buying software. They were placing a blind bet with their members' money and hoping the vendor delivered.
That model is over.
"Every monopoly in history has ended the same way," said Fuse cofounder Andres Klaric. "Not because regulators intervened. Not because incumbents lost their nerve. Because someone figured out how to build the same thing for a fraction of the cost and had the conviction to price it accordingly. Credit Unions have been carrying a weight that was never theirs to carry. The vendors who put it there were not building defensible businesses. They were borrowing time. That time is up."
Made Free by AI. Built for the Credit Union Movement.
Fuse's loan origination system remains the company's core platform. Fuse POS is free because AI has made it possible, and because the Credit Union community and its members (teachers, nurses, factory workers, etc.) deserve better than a multiyear procurement process standing between them and a car loan.
Fuse POS is the first point of sale and account opening solution built and maintained by AI. Drop in your Credit Union's email. The AI finds your website, pulls your logo, matches your brand colors, reads your loan types, and generates a fully branded, mobile-first member application portal in five minutes. No IT. No scoping call. No contract.
Start Free. Add What Works. Drop What Does not.
Once the portal is live, Credit Unions can activate best-in-class automation add-ons one at a time: Plaid bank account connection, AI document reading, direct deposit switching in a single click. Each add-on is pay-as-you-go at a few dollars per application. Turn one on, run it on a handful of loans, measure whether the ROI is real. If it is, keep it. If it is not, turn it off.
No budgetary committee. No multiyear commitment. No projections you have to defend six months later.
"The old model forced you to calculate ROI before you had a single data point," said Marc Escapa, Cofounder of Fuse. "You signed a contract based on a vendor's spreadsheet and your own best guess. We built the opposite. The portal is live in five minutes. The add-ons cost a few dollars per application. You test them on real loans and you decide. The risk is ours, not yours. That is the only arrangement that makes sense when the underlying technology costs this little to build."
Walking the Talk
Earlier this year, Fuse launched a $5 million Rescue Fund to cover transition costs for Credit Unions trapped in legacy contracts. The response has been overwhelming. It confirmed that when financial barriers disappear, Credit Unions move quickly. Fuse POS is that same conviction applied to a whole new category.
"The category as it exists today does not make sense anymore," said Escapa. "The cost structure that justified it is gone. We are not disrupting this market. We are just being honest about what it was always going to become. Credit Unions serve people who need every basis point. Every dollar we take out of the vendor stack goes back to those members. That is the only moat worth building."
Inevitable
The Credit Union movement was built on a single conviction: that people deserve access to fair financial services regardless of who they are or where they live. For thirty years, technology vendors quietly charged Credit Unions a premium to act on that conviction.
The math has changed.
Generative AI has collapsed the cost of building, deploying, and maintaining world-class software by an order of magnitude. That shift was always going to produce a company willing to pass those savings directly to the institutions that need them most. Fuse is that company. This moment was coming. We are making sure it arrives now.
See It For Yourself
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No call. No deck. No sales rep.
About Fuse
Fuse is the AI-native Loan Origination System and Account Opening platform for Traditional Financial Institutions. Founded in 2020, Fuse powers 100+ Credit Unions, Banks, and Finance companies. Backed by $25M+ from the investors behind Chime and OpenAI, Fuse helps financial institutions deliver fintech-speed technology while preserving their member relationships. Headquartered in New York. Learn more at
Media Contact:
Andres Klaric
info@fusefinance.com