specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Galileo Financial Technologies
providerId: galileo-fs
created: '2026-05-08'
# Provenance stamped 2026-08-11: this artifact was written by the API Evangelist
# bulk sweep dated 2026-05-08, not harvested from the provider. See roadmap#35.
method: generated
modified: '2026-05-08'
reconciled: true
tags:
- FinTech
- BaaS
- Card Issuing
- Banking
- Payments
- ACH
- FinOps
- FOCUS
description: 'Galileo bills under bespoke contracts: monthly platform fees, per-transaction,
  per-card, ACH/RTP, plus interchange/interest economics shared with the sponsor bank.'
notes: Invoiced via Galileo (SoFi).
sources:
- https://www.galileo-ft.com/
- https://focus.finops.org/focus-specification/v1-3/
alignedWith:
  framework: FinOps Foundation Framework
  frameworkUrl: https://www.finops.org/framework/
  dataSpec: FOCUS
  dataSpecVersion: '1.3'
  dataSpecUrl: https://focus.finops.org/focus-specification/v1-3/
publisherName: Galileo Financial Technologies, LLC (a SoFi company)
serviceCategory: FinTech
billingModel:
  pricingCategory: Subscription + Usage
  billingFrequency: Monthly
  billingCurrency: USD
  chargeCategories:
  - Usage
  - Purchase
  - Adjustment
focusColumns:
  ServiceName: Galileo
  ServiceCategory: BaaS
  ProviderName: Galileo
  PublisherName: Galileo
  InvoiceIssuerName: Galileo
  BillingCurrency: USD
  ChargeCategory: Usage
meters:
- name: transactions
  description: Card and account transactions processed.
  unit: transaction
  aggregation: sum
  dimensions:
  - program
  - card_product
- name: active_cards
  description: Active cards.
  unit: card
  aggregation: max
  dimensions:
  - program
  - card_product
- name: ach_rtp_transfers
  description: ACH and RTP transfers.
  unit: transfer
  aggregation: sum
  dimensions:
  - program
  - rail
- name: loan_drawdowns
  description: Loan/credit draws.
  unit: draw
  aggregation: sum
  dimensions:
  - program
principles:
- name: Visibility
  description: Pull Galileo reporting endpoints; use Events API for streaming attribution.
- name: Allocation
  description: Tag accounts/cards per business unit; one program per cost center where
    possible.
- name: Optimization
  description: Use Auth API rules to lower fraud declines; right-size card products;
    choose RTP over ACH for time-sensitive flows.
- name: Accountability
  description: Program owners review monthly contract minimums vs activity.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com