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Nivelo is a financial technology company founded in 2020, based in New York, New York. The company specializes in payroll payment solutions, focusing on automated money movement, risk intelligence, and treasury management. Nivelo serves payroll service providers, professional employer organizations, administrative service organizations, and employer of record companies. Nivelo's platform functions as an operating system for payroll payments, offering secure electronic account-to-account transactions like ACH. Key features include real-time payment risk detection, automated handling of ACH returns, and fast payment routing across various methods. The platform also provides treasury management tools and integrates seamlessly with human capital management systems and banking platforms. Nivelo aims to enhance finance and payment operations for payroll operators, reduce risk, and support efficient growth in the fintech space.