About Us
Welcome to The Digital Agency
EST. 2018
The Genesis: A Vision Born from Fragmentation (Est. 2018)
The year 2018 marked a turning point in the US financial ecosystem. Despite vast technological advancements, the three pillars of the American economy—Banking, Insurance, and Healthcare Payments (Medical Billing)—remained largely fragmented. Compliance was siloed, payments were slow, and data rarely crossed regulatory lines efficiently. This fragmentation led to massive inefficiencies: banks held capital that insurance companies couldn’t quickly access for claims, and medical providers suffered from high denial rates and slow payment cycles due to poor communication between payers (insurers) and processors (banks).
USAFG (USA Finance Group) was born from the vision of three industry veterans who saw this gap not as a challenge, but as a critical opportunity to build an “Interoperability Engine.”
Our founders—a seasoned Bank Treasury Executive, a prominent Insurance Regulatory Attorney, and a successful HealthTech Entrepreneur—came together in Dallas, Texas, to create a single entity capable of bridging these divides with compliant technology and expert human capital. The core idea was simple yet revolutionary: to accelerate the flow of compliant capital and data across the most regulated industries in the US.
A Glimpse into Our Team of Experts:
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The Compliance and Regulatory Core: Led by former regulators and seasoned attorneys specializing in HIPAA, GLBA (Gramm-Leach-Bliley Act), and FinCEN/AML standards. This team ensures that every data point and dollar transferred adheres to the strictest US mandates.
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The Financial Engineers: Comprised of Certified Treasury Professionals (CTP) and Chartered Financial Analysts (CFA) who manage the complex liquidity, escrow, and fraud-mitigation services for our partner banks. They are the architects of our Claims-to-Payment Accelerated Cycle (CPAC).
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The HealthTech Specialists: A powerhouse of Certified Professional Coders (CPCs), RCM analysts, and denial management specialists who understand the granular rules of every major US payer. They possess the domain knowledge to challenge denials and increase medical client revenue streams.
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The Technology Architects: Our development team is not just writing code; they are building secure, interoperable APIs and proprietary AI/ML tools. Their crowning achievement is the USAFG Unified Data Hub, which translates and harmonizes data between the disparate systems of banks, carriers, and hospitals.
OUR HISTORY
Our Story in Detail: From Concept to Nexus
2018-2019: The Compliance Buildout
The initial two years were dedicated entirely to establishing the technological and legal framework. We focused on achieving multiple complex regulatory certifications simultaneously, proving to our initial small banking and insurance partners that we could handle PHI (Protected Health Information) and NPI (Non-Public Information) under one secure roof. This period resulted in the development of our immutable Audit and Immutable Ledger (AML) system, which won us the confidence of our first regional bank alliance.
2020-2022: Scaling the RCM Bridge
During the turbulence of the early 2020s, the need for RCM efficiency exploded. Medical billing companies were overwhelmed by payment delays. USAFG leveraged its banking ties to launch the CPAC solution. By integrating the electronic funds transfer (EFT) process directly with the adjudication outcome of our insurance partners, we demonstrated a capability to reduce the average days in accounts receivable for our RCM clients from 60+ days to under 45 days. This proven, tangible result fueled massive growth in our medical billing portfolio.
2023-Present: National Expansion & Advisory Leadership
Today, USAFG is recognized not only as a BPO provider but as a key advisory force in legislative and regulatory compliance. We regularly consult with partners on the impact of major US legislation, such as the No Surprises Act and evolving CECL standards. Our platform processes billions of dollars annually in claims, premiums, and patient payments, securely anchored by our original bank alliances, which have since expanded to include major national institutions..
Why Partner with USAFG?
We are not an outsourcing provider; we are an integrated extension of your financial core.
Risk Mitigation: We shift the burden of multi-sector regulatory compliance from your internal team to our specialized experts.
Capital Acceleration: Our technology actively reduces payment cycle times, converting outstanding receivables into usable working capital faster than industry standards.
Sustainable Growth: By optimizing your back-office and compliance efforts, we free your executives to focus on market strategy and core service delivery, ensuring compliant, long-term growth.
24×7 Support: For more more perfection in support of our clients
USAFG is the future of interconnected finance. We don’t just solve problems; we prevent them by ensuring compliance and fostering interoperability where it matters most: the flow of capital and data that powers the US economy