Michael Del Monte is the co-founder and CTO of MoneyKit, a fintech company simplifying financial management for consumers. MoneyKit is now part of the Array portfolio since August 2025.
When we started MoneyKit, our goal was clear: build the most resilient, developer-friendly, and transparent financial data connectivity platform in the market. We knew first-hand the friction that single-aggregator solutions caused for developers, for end users, and ultimately for the businesses trying to deliver seamless financial experiences.
I’m proud to share that MoneyKit has joined forces with Array, and with that, we’re introducing Financial Links, a product that fully realizes our vision—and then some.
The problem that needed solving
The promise of Open Banking has always been about consumer control, accessibility, and security. But the reality is that Open Banking is nowhere near fully adopted, and aggregators still rely on brittle pipes and a one-size-fits-all infrastructure. When a single aggregator goes down—or underperforms—everything from onboarding flows to lending decisions can grind to a halt.
We built MoneyKit to fix that. And with Array, we now have Financial Links to scale it.
Why Array was the right partner
Array didn’t just see what we were building. They saw how it could be elevated. They understood that connectivity isn’t just a back-end function; it’s a growth enabler. Together, we’ve built Financial Links to be:
Aggregator-agnostic
Financial Links intelligently routes across leading partners like Akoya, Finicity, and MX, automatically failing over if a route falters.
First-party by design
Our consent flows are transparent and brand-safe. We’re not just a pass-through. We're the infrastructure and the direct relationship.
Developer-obsessed
Native SDKs, flexible APIs, and side-by-side aggregator support (BYOK) make integration fast and future-proof.
But what really excites me is what Financial Links unlocks inside the broader Array platform.
From connectivity to activation
What happens when connectivity isn’t just plumbing but a pathway? Array already powers embedded products across credit, identity, privacy, and debt management. Now, with Financial Links, we can dynamically activate the right tools based on what’s happening inside a user’s linked accounts.
A recurring charge? Trigger Subscription Manager.
Low cash flow? Surface a savings-backed BuildCredit Account.
Real-time balances and transactions? Enable smarter marketing with Offers Engine.
Financial Links is not just the next aggregator. It’s the last one our partners will ever need.
The path ahead
Joining Array means we get to scale the vision we had at MoneyKit: faster, smarter, and with more impact than ever before. Financial Links will continue to evolve, but the foundation is already solid: resilient, performant, and secure.
We didn’t set out to build yet another aggregator. We set out to build a better one. And with Array, we’ve built something even bigger—a gateway to the next generation of embedded financial experiences.
We’re excited to continue building this system, enabling faster, more secure financial connections with less work and more consistency. We’re excited to build what’s next.
Disclaimer: Array takes pride in ensuring the information we share is accurate and up-to-date; however, we understand that the information you read may differ from the product(s) and/or service(s) mentioned. We present the product(s) and/or service(s) you read about without warranty. We recommend you review the product and/or services’ terms and conditions before you make a decision. If you encounter inaccurate or outdated information, let us know by writing to: info@array.com.
Editorial Note: This content is the author’s opinion, expression, and/or recommendation(s).