Relay

The banking platform for self-made businesses.

[Yoseph West @ycwest]

You prove your identity to companies multiple times day, through one-time-password 2FA codes and SMS, but how often do companies prove *their* identity to you?

It almost never happens.

That risk is no longer acceptable, because AI has made it dirt cheap to run all types of scams at scale, and especially phone scams. A single fraudster can run thousands of calls at the same time, with an AI voice doing the talking until someone bites.

In 2025, Americans lost 3.5 billion dollars to imposter scams.

So last year at Relay, we started asking ourselves: when we call a customer, how do they know it's really us?

The result of that question is Relay Call Check.

We built call verification directly inside Relay's mobile app. When someone from our team calls you, you get a push notification. And when you open the app, a banner tells you that we’re calling, along with the agent's details. The call is then logged in your Security Center so you can review it later.

Fraudsters can spoof phone numbers and even create voice clones, but a notification inside Relay’s app can only come from Relay.

Relay Call Check has been live for a year, and has already helped verify thousands of calls. So if Relay is calling you, check the app: that’s how you’ll know it’s really us.

[Relay @relayfinancial]

When you buy an inn with 160 years of history, you're building more than a business.

Meet Alex & Rachel, owners of the Ipswich Inn in Massachusetts. They're building a future for the business while preserving its past.

Watch their Self-Made Story: https://t.co/RAKgA98noS

[Relay @relayfinancial]

Not all revenue is good revenue.

A $20K project looks great until you account for the cost of subcontractors and materials.

@MikeMichalowicz explains how a real revenue adjustment helps you see what a project is really bringing in.

Watch the episode: https://t.co/CVJad7J8Jp

[Relay @relayfinancial]

@Podsubs @signalawards @MikeMichalowicz @pod_ppl Hard to pick just one! Our episode with Tiffany Aliche was an amazing story to kick off Season 2.

[Relay @relayfinancial]

Becoming Self Made just took home GOLD in the Business category at the 2026 @signalawards! 🏆

Huge thanks to @mikemichalowicz, our production partners @pod_ppl , and every guest who's shared their story.

More to come in Season 3. #SignalAwards

Listen: https://t.co/3DgKtp7F0s

[Yoseph West @ycwest]

For the 3rd year in a row, @relayfinancial is named a @Deloitte Technology Fast 50 winner. We’re #13! ⚡ I’m proud to see us make the list again; it reflects our *lasting* commitment to the 150,000+ self-made entrepreneurs we serve.

As I’ve said before, we’re building Relay for the 99% of businesses, a.k.a. small businesses, which make up the majority of all companies. These are the mom and pop shops and independent contractors who account for almost half of U.S. GDP. Collectively, they have the most impact on local communities, but often get the least support or tools to help them succeed. They need cash flow clarity, control over their money, and access to capital if we want them to thrive.

Hence Relay’s mission: to make every business great with money.

That’s why so far in 2026 we launched Relay Capital, introduced AI-enabled cashflow insights, redesigned Relay’s AP approval experience, gave small business teams granular control over roles and permissions inside Relay, unveiled customizable invoices… and rolled out countless other improvements to serve Relay users.

We still have so much more to come, this year and into 2027, and I can’t wait to show you what we're building next.

Thank you to the Relayers who work hard to deliver for our customers every day. 💚

Onward. 🚀

—

Relay is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC.

Relay Term Loans are provided through Fundbox, an external third-party provider, or its bank partner, Lead Bank.

[Relay @relayfinancial]

@NextScratch Hi there, we're sorry to hear this. Could you send us a DM with your name, email, and business name so our team can look into this?

[Relay @relayfinancial]

@issam_lahssini Hi there, we're sorry to hear this. We see you've already been in touch with our support team, and they're on it. We've followed up with the agent handling this case and asked them to prioritize it. We'll continue working with you through that ticket to get this sorted.

[Relay @relayfinancial]

Relay has been named one of Canada’s fastest-growing technology companies. 🎉

We're on the @DeloitteCanada #Fast50CA for the third year running.

Behind this win is a team with one mission: making every business great with money.

Want to build with us? https://t.co/zQyKcjidC4

[Relay @relayfinancial]

@SLRestaurantG Hi there, we're sorry to hear this. Could you send us a DM with your name, email, and business name so our team can look into this?

[Relay @relayfinancial]

Accountants and bookkeepers, meet your new competitive advantage.

The new Relay Banking Partner Certification is here. Free, self-paced, 60–75 minutes, and 1 CPE credit.

Join 2,000+ certified professionals: https://t.co/q5SUW3zAag

[Relay @relayfinancial]

@BelcherDigital Thank you for confirming that! We see you've already been in touch with our support team, and they're on it. We'll continue working with you through that ticket to get this resolved.

[Relay @relayfinancial]

Vegas is treating us pretty well so far. 🏆

Relay just picked up the Sustained Connections Award at #IntuitConnect2026, recognizing long-lasting customer connections through @QuickBooks.

Here for #IntuitConnect? Find us at Booth #39 and meet the people behind Relay.

[Relay @relayfinancial]

@ignitionapp @onpay_payroll @xumagazine @InsightfulActnt Can't wait to kick things off! 🎉

[Ignition @ignitionapp]

🇺🇸 Trust us, this #IgnitionPrecon will be unforgettable. 👀✨

📍Aria Hotel’s Liquid Pool Lounge
🗓️10/25 @ 8pm

Skip the FOMO! Secure your ticket: https://t.co/GMbY96OsXM

#TaxTwitter @relayfinancial, Vinyl, @onpay_payroll, @xumagazine, and @InsightfulActnt

[Yoseph West @ycwest]

We are *doubling down* on new grad and co-op hiring at @relayfinancial, because this is the first fully AI-native generation. And some of our most exciting work right now comes from pairing that AI instinct with experienced leadership.

So my advice to new grads and anyone early in their career: ignore the fearmongers telling you AI will destroy jobs.

Every industrial revolution in history has tried to solve a major problem. Each one disrupted industries, and in the process we redirected, retooled, and retrained human effort toward solving new problems.

That’s exactly what is happening with new grads and AI.

You are learning to think with and use these tools the same way that previous generations learned to think with a search engine.

Over the past 2 years at Relay, we’ve seen juniors ramp up faster than ever. Co-ops and new grads ship meaningful work within weeks of starting (unheard of in the past), and they want in on the biggest, most ambitious problems we’re solving for our customers.

So if you're early in your career and have AI projects to talk about, we want to hear from you.

Come build with us. 🚀

[Relay @relayfinancial]

The month that nearly broke your business might be the one that makes it stronger.

Join @mikemichalowicz and three entrepreneurs on Oct 29 for a conversation about the tough months, lessons learned, and financial habits that stick.

Register: https://t.co/CE5cY2BpqY

[Relay @relayfinancial]

@IamLizu Hi there! We’re sorry to hear about your experience. We’d love the opportunity to look into this for you. Could you please send us a DM with your name, email address, and business name? Our team will be happy to take a closer look and assist!