Files.com is the file exchange layer banks, funds, and fintech run on: ACH and settlement files on hard deadlines, custodian feeds on counterparty terms, and a defensible audit trail behind all of it. 4,000+ organizations trust Files.com.
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Real companies. Real file flows. Real results.
Financial file exchange has a structural fact at its center: you control neither end. The custodian is SFTP-only and accepts configuration changes once a quarter. The clearing network sets the cutoff. The counterparty dictates the folder layout, the encryption keys, and the delivery window. A change request into their process takes months.
A missed, malformed, or late file is a financial and regulatory event, not an inconvenience: a position that looks like cash that isn’t there, a wire that misses the closeout, a delivery a regulator asserts never happened.
Files.com absorbs every counterparty’s terms on your side of the connection: their protocols, their keys, their schedules. Behind all of it sit a tamper-proof audit trail, delivery monitoring, and policy-driven retention, so the record exists before anyone asks for it.
Treasury and accounts payable teams run ACH, positive-pay, and settlement file exchange with every bank on the same platform, encrypted with each bank’s key and delivered before its cutoff. Investment firms exchange daily holdings, NAV, and trade files with custodians and administrators on the same terms.
Banks, asset managers, wealth platforms, and payments companies each run a different exchange. These are the ones Files.com carries in production every day.
ACH origination, positive pay, wire files, and image cash letters move on schedules someone else sets: same-day ACH cutoffs, wire closeouts, morning vendor jobs. Retries and alerting are built in, so the deadline is met without a person watching a folder.
Holdings, NAV, trade, and reconciliation files arrive from custodians and fund admins who are SFTP-only and will not change. Remote Server connections absorb each counterparty’s folder layout, keys, and schedule on your side, with no change request into a bank’s months-long process.
File-triggered jobs can’t detect absence. Delivery monitoring with market-aware holiday calendars turns a missing overnight custodian file into an alert inside the vendor’s redelivery window, before the trading day starts on stale numbers.
Seven-year broker-dealer archives, shorter windows for syslog, transfer channels that expire in weeks: per-folder retention and expiration enforce each clock automatically, with a WORM archive for the records an examiner expects to find unaltered.
Loan documents, wire instructions, and KYC files come in through branded Inboxes and expiring links. There is no account for the borrower to create, and no PII rides in email attachments.
Counterparty-mandated PGP encryption and decryption run as folder settings with managed keys. The custom decryption scripts and the person who understood them retire together.
Counterparties moved in batches on their own schedules with a hostname change and a fresh credential, while Files.com enforces encryption at rest, retention, and directory-driven identity across the whole exchange.
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A bank-controlled endpoint outside the perimeter and outbound-only Agents gave each new counterparty a repeatable path to the bank’s internal systems.
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The one-day cutover preserved scheduled deletion of consumer loan files and cleared the script's machine reads out of the activity log.
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Applicants need nothing but a browser link, each loan officer works in an isolated home folder under single sign-on, and links and files expire on the security team's schedule.
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Files.com moves files between the systems finance already depends on: core banking vendors like FIS and Q2, custodians and fund administrators over their own SFTP endpoints, portfolio and accounting platforms, Workday and SharePoint on the back office, and analytics stacks on Snowflake and Databricks. Identity comes from Okta or Microsoft Entra ID with SCIM, logs stream to your SIEM, and storage mounts in place (Amazon S3, Azure Blob, or Google Cloud Storage), so the bytes stay in accounts you own.
The MFT appliance, the EDI translator, the scripts, and the scheduler — replaced by one platform with the audit record built in.
Dedicated, fully managed SFTP, FTPS, and FTP endpoints, with every protocol your partners already use. No servers to patch and no DMZ to maintain.Replaces IBM Sterling, GoAnywhere, MOVEit, Axway, AWS Transfer Family
See Cloud SFTP ServerBranded portals, secure share links, and request inboxes, plus co-editing for Office documents. Partners and customers get access with no account and nothing to install.Replaces Box, Dropbox, ShareFile, Egnyte
See CollaborationMove files up to 5 TB at full speed over any distance, with chunked, resumable transfers on standard protocols and custom UDP acceleration in the Agent.Replaces IBM Aspera, Signiant
See Fast TransfersTrigger on a file arriving, a schedule, or an event, then route, convert, and notify, with retries and alerts built in. The reliable replacement for the scripts and cron jobs nobody wants to own.Replaces fragile custom scripts and cron jobs
See AutomationsReshape files inline as they move: convert formats and pull fields out of EDI, HL7, XML, JSON, and CSV, so downstream systems get exactly what they expect.Replaces hand-built parsing and conversion scripts
See Transform & ExtractNative apps for Windows, macOS, iOS, and Android mount your cloud storage as a local drive, so you can retire aging file servers and NAS without changing how people work.Replaces NetApp, Nasuni, aging NAS, Windows file servers
See File Server ReplacementEvery capability runs on one platform — SOC 2 Type II certified, HIPAA BAA available, with a complete audit trail on every action.
Files.com has run for 15+ years — SOC 2 Type II audited and PCI DSS attested, the posture your vendor risk review is looking for.
Independently audited, every year.
Certified under FedRAMP 20x at Class A, with Class B in progress.
BAA and DPA available, with EU and regional data residency.
AES-256 at rest, TLS 1.2 and 1.3 in transit.
SAML SSO, SCIM provisioning, MFA, and granular role-based access.
Every action logged immutably and streamed to your SIEM.
No Level 1 runaround, no script, no callback queue. When something breaks, you reach a seasoned file transfer expert who can actually fix it.
Talk to file transfer experts who understand how you work.
A dedicated Customer Engineer and a step-by-step plan — most teams are live within five business days.
Enterprise Support is a real relationship, not a faster queue. Enterprise Support customers run Files.com around the clock as critical infrastructure, and we’re there when something can’t wait until Monday morning.
See Enterprise Support“Simplicity, reliability, and speed of use. The uptime alone has been worth it — we've barely had a downtime issue.”
“Great REST API for automating everything, well documented. Every SFTP use case we have is covered, with encryption end-to-end.”
“Files.com's strengths are simplicity, ease of use, and the cloud connectors. We don't have to invent custom infrastructure for every partner.”
Mortgage lenders, brokers and loan-review firms move borrower data with dozens of outside parties. This is the shape it takes on Files.com.
Each bank, credit union, investor and servicer gets its own SFTP login, folder and PGP key on your domain, so a new counterparty is a folder rather than a security project.
Loan tapes, funding and servicing files move to and from the bank’s SFTP on a sync schedule with encryption in the flow, and the missing tape is flagged before the cutoff. The examiner gets a per-counterparty trail instead of a mailbox search.
Loan documents go to borrowers and appraisers through expiring, password-protected links under your brand instead of email and consumer drives, and come back through an upload inbox.
SOC 2 Type II, PCI DSS, dedicated IP addresses for allowlisting and a per-party audit trail get a lender’s platform through a bank’s third-party review the first time.
What bank and fund IT teams ask most when evaluating Files.com.
Yes. Banks run ACH origination, NACHA files, positive pay, wire files, and image cash letters through Files.com on hard same-day windows. Files.com is the governed transfer layer; your core banking system remains the system of record.
Yes. Files.com delivery monitoring defines what correct delivery looks like per feed and alerts when it doesn’t happen, with holiday calendars for the market schedules that make “missing” ambiguous. File-triggered batch architectures can’t see absence; this closes that blind spot.
Yes. Files.com Expectations validate file contents with a Files TransformScript that decides pass or fail against the parsed payload. CSV, XLSX, XML, JSON, X12, and EDIFACT parse automatically. A malformed feed closes the delivery window as Invalid, with the failing row and field in the error, so the conversation with the counterparty starts from evidence.
Files.com provides WORM archive storage, per-folder retention policies, versioning, and audit logs retained 7+ years: the primitives broker-dealers and registered advisers use to satisfy their record-keeping obligations, including off-site unalterable copies auditors can reach. Data retention is policy-driven, so the clocks enforce themselves.
Files.com is PCI DSS attested and provides its Attestation of Compliance and responsibility matrix for your own assessments. The platform enforces the controls assessors look for: authenticated, least-privilege access to stored data, MFA, and a complete audit log.
Yes. Files.com absorbs SFTP-only custodian feeds without asking the counterparty to change anything: they keep their SFTP server, folder layout, PGP keys, and schedule, and Remote Server connections poll each feed on your terms into your modern stack (S3, Azure, Snowflake, SharePoint).
Yes. Banks replace both MOVEit and Axway with Files.com, retiring the incumbent one vendor feed at a time while live feeds never pause. Files.com engineers run the migration with you. Bring a renewal quote: Files.com will not be undersold against legacy MFT.
Your choice. Files.com offers regional storage for residency requirements, and Remote Server Mounts keep the bytes in your own S3, Azure, or Google Cloud accounts while Files.com provides the protocol surface, governance, and audit layer on top, including deployments where every byte stays inside the EU.
Each counterparty gets its own SFTP account, folder and PGP key on the lender’s Files.com site, and automations encrypt and deliver files on the counterparty’s schedule, or the counterparty pulls from its folder. Every delivery is logged per party, and a delivery check flags the file that did not go.
Create the account and folder in Files.com, attach the counterparty’s public key to the folder, and every file placed there is encrypted before it leaves. Provisioning runs from the web app, a CSV import or the API, so a roster of lenders is set up identically.
Files.com provides the SOC 2 Type II report, PCI DSS attestation and immutable, exportable audit log that bank vendor-risk teams ask for, dedicated IP addresses satisfy allowlist requirements, and the platform has run as a managed service for 15+ years with zero breaches.
Banks, funds, and payments companies run mission-critical file exchange on Files.com. Talk to our team or validate the technology on a 7-day free trial.
No pushy sales process