Zachary Smith

Tern Commerce LLC, founded in 2015, provides an end-to-end fintech-as-a-service ecosystem. Tern Commerce LLC is based in New York, NY. The private company offers a full-suite of embedded, whitelabeled solutions to processors, banks, and fintechs. At its core, the technology platform is a multi-currency, multi-language prepaid and stored-value platform with embedded AML, KYC, CIP, and fraud management tools. Tern customers can launch solutions with no code, low code, and direct APIs. The company enables brands to launch fintech programs quickly and seamlessly with intuitive custom & white-label web and mobile customer experiences. The company was founded by Brion Bonkowski, Zachary Smith. Brion Bonkowski has been the CEO since incorporation.