GCI Portfolio Company Dream Payments Launches Dream Payouts in Partnership with J.P. Morgan Payments

Dream Payments, a leading provider of programmable enterprise payment infrastructure in North America and portfolio company of GCI, has officially launched its new product, Dream Payouts. Co-developed with J.P. Morgan Payments, the new solution builds a next-generation payment network serving 36 million small and medium-sized enterprises (SMEs) across the United States. As an investor of Dream Payments, GCI highly recognizes the company’s technological barriers in embedded finance, robust product implementation capabilities, and outstanding commercialization results.

The official launch of Dream Payouts marks a new phase of AI-powered programmable enterprise payment infrastructure for Dream Payments. It also represents a pivotal strategic upgrade for the company, transforming from a standalone payment service provider into a universal underlying payment infrastructure for SaaS platforms and private capital markets. The milestone fully validates GCI’s forward-looking layout and long-term value judgment in the fintech and enterprise service sectors.

Redefining the Paradigm of B2B Enterprise Payments

Leveraging J.P. Morgan’s robust clearing network and banking capabilities, Dream Payouts delivers a fully programmable enterprise payment system that embeds real-time payment functions into diverse business software. It creates four core value propositions for SMEs, software platforms, family offices and other institutional clients.

Upgraded Payment Experience: Payments can be initiated simply with the recipient’s email address. Qualified transactions are settled within 30 seconds via the Real-Time Payments (RTP) network, available 24/7 throughout nights, weekends and holidays, filling the gap of insufficient real-time outbound payment capabilities among small and mid-sized institutions in the U.S. market.

Advanced Security System: The solution features a self-service recipient portal where suppliers independently maintain bank account information. Equipped with role-based access control, customized approval workflows and multi-factor authentication, it significantly reduces prevalent fraud risks such as business email compromise and account information tampering.

Expanded Service Coverage: It provides standardized APIs for vertical SaaS platforms, field service systems, accounting software and private capital platforms. By integrating payment execution into native business workflows, it eliminates the longstanding pain point of disconnection between payment operations and business systems.

In-depth Ecological Collaboration: Backed by J.P. Morgan’s global payment network, compliance frameworks and risk control capabilities, Dream Payouts expands enterprise client coverage and realizes full-link capabilities covering payment initiation, approval, fund clearing and transaction reconciliation, laying a solid foundation for automated payment execution by AI agents.

Long Van, President of SME Payments at Dream Payments, commented: “We started by simplifying cumbersome corporate payment processes, and our platform capabilities now extend to operational automation, risk prevention and control, and beyond. The solution eases cash flow pressure for SMEs and enables a full-process closed-loop for large-scale capital contributions in high-net-worth private capital scenarios. Through in-depth cooperation with J.P. Morgan, we will further optimize our enterprise-grade payment infrastructure, serve more market players across North America, and open a new chapter for programmable B2B payments.”

Ryan Schmiedl, Global Head of Embedded Finance & Solutions at J.P. Morgan Payments, stated: “We are committed to delivering mature, reliable global payment infrastructure to more enterprises and software service providers. Dream Payments has solved the industry challenge for SMEs and vertical platforms seeking access to real-time payment capabilities. This cooperation not only recognizes Dream Payments’ product strength and market potential, but also empowers it to become the de facto standard payment infrastructure supporting capital flow, operational automation and risk management within North America’s enterprise software ecosystem.”

Consolidating Benchmark Status in North American Payment Infrastructure

As a benchmark player in North America’s enterprise payment infrastructure sector, Dream Payments has deployed its technology across multiple industries including insurance, SaaS and private capital. Mantle, a financial operating system for family offices, has completed seamless integration with the product, achieving an online closed-loop process for trillion-level capital contributions in the private market. The company’s product penetration continues to grow among North American SMEs and vertical software platforms.

The launch of Dream Payouts further strengthens Dream Payments’ core competitiveness in platformization, ecologicalization and AI-native development, solidifying its leading position in the programmable enterprise payment track. As a cross-border venture capital institution focusing on enterprise services, fintech and hard technology, GCI has long been bullish on the investment trend of traditional capital system restructuring driven by technology. By leveraging bank-grade clearing infrastructure and empowering B2B payment innovation through APIs and embedded finance capabilities, Dream Payments optimizes SME cash flow management and prevents payment fraud, making it a typical high-barrier, high-growth enterprise in GCI’s key investment portfolio.

Empowered by GCI’s cross-border resources, technological ecosystem and global market layout, Dream Payments will continuously polish product capabilities, deepen technological integration and expand global partnerships. Amid the explosive growth of embedded finance, the company will evolve into a critical digital infrastructure connecting diverse business systems and global capital flows.

Future Outlook

The launch of Dream Payouts further cements Dream Payments’ leading edge in North America’s programmable enterprise payment industry and once again demonstrates GCI’s precise investment insight in hard technology and digital infrastructure sectors. Moving forward, GCI will continue to support portfolio companies including Dream Payments in achieving high-quality global growth through capital empowerment, resource linkage and ecological collaboration. Adhering to long-term value investment philosophy, GCI will drive the comprehensive upgrading of embedded finance and enterprise digital infrastructure, helping build a more efficient, secure and intelligent ecosystem for corporate capital circulation.

About Dream Payments

Dream Payments is a leading API and embedded payment platform in North America. Its clients include two of the top ten financial institutions in North America, leading insurance carriers, and mainstream software platforms such as Guidewire and Insurity. The company provides comprehensive end-to-end payment infrastructure, including API integration, payment orchestration, as well as KYC and AML compliance services, enabling enterprises to reshape digital payment services and build innovative revenue models in the digital era.