| { |
| "meta": { |
| "name": "neobankbeat", |
| "description": "Open-source directory of verified-active neobanks: traditional, hybrid fiat+crypto, and web3-native self-custodial money apps.", |
| "url": "https://www.neobankbeat.com/", |
| "source": "https://github.com/andreolf/neobankbeat", |
| "license": "MIT", |
| "total": 368, |
| "counts": { |
| "traditional": 254, |
| "hybrid": 58, |
| "web3_native": 56, |
| "niche_audience": 122 |
| }, |
| "field_notes": { |
| "category": "traditional = licensed fiat, custodial · hybrid = fiat + custodial crypto · web3-native = self-custodial, on-chain-first", |
| "rates": "cashback/yield are 'up to' figures that change constantly and vary by region — always confirm with the issuer", |
| "services": "money-movement capabilities (on-ramp, off-ramp, fiat-payin, fiat-payout, iban, multi-currency, virtual-cards, crypto-cards); verified per provider docs, tags omitted when unverified — absence is not proof of absence", |
| "fx_markup": "foreign-exchange markup on the free/standard plan, sourced + dated; rates change often, always confirm with the issuer", |
| "verification": "defunct neobanks and pure BaaS/infrastructure are excluded; unverified fields are null rather than guessed" |
| } |
| }, |
| "entities": [ |
| { |
| "name": "Chime", |
| "category": "traditional", |
| "audience": "general", |
| "region": "US", |
| "hq": "San Francisco, US", |
| "founded": 2013, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "~2% APY savings", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "chime.com", |
| "website": "https://chime.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Largest US neobank; 20M+ members; SpotMe overdraft.", |
| "story": "Built to end overdraft fees for paycheck-to-paycheck America; grew on two-day-early wage access and fee-free SpotMe.", |
| "licence": "Partner banks (The Bancorp, Stride)", |
| "founders": "Chris Britt, Ryan King", |
| "funding": "~$2.3B raised", |
| "terms_url": "https://www.chime.com/policies/", |
| "privacy_url": "https://www.chime.com/policies/privacy-policy/", |
| "x_handle": "Chime", |
| "countries": [ |
| "United States" |
| ], |
| "investors": [ |
| { |
| "name": "DST Global", |
| "website": "https://dst-global.com" |
| }, |
| { |
| "name": "Sequoia Capital", |
| "website": "https://sequoiacap.com" |
| }, |
| { |
| "name": "General Atlantic", |
| "website": "https://generalatlantic.com" |
| }, |
| { |
| "name": "Tiger Global", |
| "website": "https://tigerglobal.com" |
| }, |
| { |
| "name": "Menlo Ventures", |
| "website": "https://menlovc.com" |
| } |
| ], |
| "reported_users": { |
| "value_millions": 22, |
| "metric": "members", |
| "as_of": "2024" |
| } |
| }, |
| { |
| "name": "Varo", |
| "category": "traditional", |
| "audience": "general", |
| "region": "US", |
| "hq": "San Francisco, US", |
| "founded": 2015, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Up to 5% APY (conditions)", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "varomoney.com", |
| "website": "https://varomoney.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "First US consumer fintech with a national bank charter.", |
| "story": "Spent three years and ~$100M to become the first US consumer fintech granted its own national bank charter.", |
| "licence": "National bank charter (2020)", |
| "founders": "Colin Walsh", |
| "funding": "~$1B raised", |
| "terms_url": "https://www.varomoney.com/privacy-legal/", |
| "privacy_url": "https://www.varomoney.com/privacy/", |
| "x_handle": "varomoney", |
| "countries": [ |
| "United States" |
| ], |
| "fx_markup": { |
| "markup": "0% foreign transaction fee, no exchange-rate markup; Visa wholesale rate", |
| "as_of": "2026-07", |
| "source": "https://support.varomoney.com/hc/en-us/articles/21998473318932-International-Travel" |
| }, |
| "investors": [ |
| { |
| "name": "Warburg Pincus", |
| "website": "https://warburgpincus.com" |
| }, |
| { |
| "name": "The Rise Fund (TPG)", |
| "website": "https://therisefund.com" |
| }, |
| { |
| "name": "Lone Pine Capital", |
| "website": "https://lonepinecapital.com" |
| } |
| ] |
| }, |
| { |
| "name": "Current", |
| "category": "traditional", |
| "audience": "general", |
| "region": "US", |
| "hq": "New York, US", |
| "founded": 2015, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": "Points", |
| "yield": "~4% savings pods", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "current.com", |
| "website": "https://current.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Everyday + teen banking; in-app crypto trading.", |
| "story": "Started as a teen debit card, expanded to full-spectrum banking for Americans living paycheck to paycheck.", |
| "licence": "Partner banks (Choice, Cross River)", |
| "founders": "Stuart Sopp", |
| "funding": "~$400M raised", |
| "x_handle": "current", |
| "countries": [ |
| "United States" |
| ], |
| "fx_markup": { |
| "markup": "3% international transaction fee on all purchases (Visa wholesale rate)", |
| "as_of": "2026-07", |
| "source": "https://support.current.com/hc/en-us/articles/4408251826715-Can-I-use-my-card-Internationally" |
| }, |
| "investors": [ |
| { |
| "name": "Andreessen Horowitz", |
| "website": "https://a16z.com" |
| }, |
| { |
| "name": "Tiger Global", |
| "website": "https://tigerglobal.com" |
| }, |
| { |
| "name": "Avenir Growth", |
| "website": "https://avenirgrowth.com" |
| }, |
| { |
| "name": "Foundation Capital", |
| "website": "https://foundationcap.com" |
| } |
| ] |
| }, |
| { |
| "name": "SoFi", |
| "category": "traditional", |
| "audience": "general", |
| "region": "US", |
| "hq": "San Francisco, US", |
| "founded": 2011, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa/MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Up to ~4.5% APY (tiers)", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "sofi.com", |
| "website": "https://sofi.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Bank charter; launched SoFiUSD stablecoin Dec 2025.", |
| "story": "From Stanford alumni-funded student loans to a chartered digital bank; issued SoFiUSD stablecoin in Dec 2025.", |
| "ai": "interface", |
| "licence": "National bank charter (2022)", |
| "founders": "Mike Cagney, Dan Macklin, James Finnigan, Ian Brady", |
| "funding": "Public (SOFI)", |
| "terms_url": "https://www.sofi.com/legal/", |
| "privacy_url": "https://www.sofi.com/legal/privacy/", |
| "x_handle": "SoFi", |
| "countries": [ |
| "United States" |
| ], |
| "fx_markup": { |
| "markup": "0.2% conversion fee on debit foreign purchases/ATM (Mastercard); credit cards 0%", |
| "as_of": "2026-07", |
| "source": "https://support.sofi.com/hc/en-us/articles/360061173072-What-is-the-foreign-exchange-fee-on-the-SoFi-Checking-account" |
| }, |
| "investors": [ |
| { |
| "name": "SoftBank", |
| "website": "https://softbank.jp" |
| }, |
| { |
| "name": "Silver Lake", |
| "website": "https://silverlake.com" |
| }, |
| { |
| "name": "Qatar Investment Authority", |
| "website": "https://qia.qa" |
| } |
| ] |
| }, |
| { |
| "name": "Ally Bank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "US", |
| "hq": "Detroit, US", |
| "founded": 2009, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Competitive online savers", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "ally.com", |
| "website": "https://ally.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Largest US digital-only bank; 3M+ customers.", |
| "story": "Born from GMAC's 2009 rebrand into a branchless bank; proof digital-only could scale before the fintech era.", |
| "licence": "National bank charter", |
| "founders": "GMAC heritage", |
| "funding": "Public (ALLY)", |
| "terms_url": "https://www.ally.com/legal/", |
| "privacy_url": "https://www.ally.com/privacy/", |
| "x_handle": "ally", |
| "countries": [ |
| "United States" |
| ] |
| }, |
| { |
| "name": "Dave", |
| "category": "traditional", |
| "audience": "general", |
| "region": "US", |
| "hq": "Los Angeles, US", |
| "founded": 2016, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "dave.com", |
| "website": "https://dave.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "ExtraCash advances; budgeting-first.", |
| "story": "Pitched as the bear that fights the banks: cash advances against overdrafts, then a full spending account.", |
| "ai": "underwriting", |
| "licence": "Partner bank (Evolve)", |
| "founders": "Jason Wilk", |
| "funding": "Public (DAVE)", |
| "terms_url": "https://dave.com/terms", |
| "privacy_url": "https://dave.com/privacy", |
| "x_handle": "davebanking", |
| "countries": [ |
| "United States" |
| ], |
| "fx_markup": { |
| "markup": "3% foreign currency conversion fee on non-USD purchases (Mastercard wholesale rate)", |
| "as_of": "2026-07", |
| "source": "https://dave.com/deposit-agreement-coastal" |
| }, |
| "investors": [ |
| { |
| "name": "Norwest Venture Partners", |
| "website": "https://nvp.com" |
| }, |
| { |
| "name": "Section 32", |
| "website": "https://section32.com" |
| } |
| ] |
| }, |
| { |
| "name": "MoneyLion", |
| "category": "traditional", |
| "audience": "general", |
| "region": "US", |
| "hq": "New York, US", |
| "founded": 2013, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "moneylion.com", |
| "website": "https://moneylion.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Banking + investing + credit-builder super-app.", |
| "ai": "underwriting", |
| "licence": "Partner banks", |
| "founders": "Dee Choubey", |
| "funding": "Public; acquired by Gen Digital (2025)", |
| "terms_url": "https://www.moneylion.com/terms-and-conditions/", |
| "privacy_url": "https://www.moneylion.com/privacy-notice/", |
| "x_handle": "MoneyLion", |
| "countries": [ |
| "United States" |
| ] |
| }, |
| { |
| "name": "One", |
| "category": "traditional", |
| "audience": "general", |
| "region": "US", |
| "hq": "Sacramento, US", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": "Up to 3% (Walmart)", |
| "yield": "~4% APY savings", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "one.app", |
| "website": "https://one.app", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Walmart-backed; embedded retail banking.", |
| "story": "Walmart's play to own everyday banking for its 150M weekly shoppers; BNPL + debit + high-yield savings in one app.", |
| "licence": "Partner bank (Coastal Community)", |
| "founders": "Walmart x Ribbit venture", |
| "funding": "Walmart-majority", |
| "terms_url": "https://www.onepay.com/legal", |
| "privacy_url": "https://www.onepay.com/legal/privacy-policies", |
| "x_handle": "one", |
| "countries": [ |
| "United States" |
| ], |
| "investors": [ |
| { |
| "name": "Walmart", |
| "website": "https://walmart.com" |
| }, |
| { |
| "name": "Ribbit Capital", |
| "website": "https://ribbitcap.com" |
| } |
| ] |
| }, |
| { |
| "name": "Marcus", |
| "category": "traditional", |
| "audience": "general", |
| "region": "US", |
| "hq": "New York, US", |
| "founded": 2016, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": "Competitive savers", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "marcus.com", |
| "website": "https://marcus.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Goldman Sachs' consumer digital bank.", |
| "licence": "Goldman Sachs Bank USA national bank charter (OCC); Member FDIC", |
| "privacy_url": "https://www.marcus.com/us/en/privacy-policy", |
| "x_handle": "MarcusGS", |
| "countries": [ |
| "United States" |
| ] |
| }, |
| { |
| "name": "Step", |
| "category": "traditional", |
| "audience": "gen z & students", |
| "region": "US", |
| "hq": "Palo Alto, US", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Debit + credit builder", |
| "cashback": null, |
| "yield": "~4% savings goals", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "step.com", |
| "website": "https://step.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Teen banking + credit building, no fees.", |
| "story": "Teen banking that builds credit history before 18 via a secured spend card.", |
| "licence": "Partner bank (Evolve)", |
| "founders": "CJ MacDonald", |
| "funding": "~$175M+ raised", |
| "terms_url": "https://step.com/legal", |
| "privacy_url": "https://step.com/policies/privacy", |
| "x_handle": "step", |
| "countries": [ |
| "United States" |
| ], |
| "investors": [ |
| { |
| "name": "Coatue", |
| "website": "https://coatue.com" |
| }, |
| { |
| "name": "Stripe", |
| "website": "https://stripe.com" |
| }, |
| { |
| "name": "General Catalyst", |
| "website": "https://generalcatalyst.com" |
| }, |
| { |
| "name": "Crosslink Capital", |
| "website": "https://crosslinkcapital.com" |
| } |
| ] |
| }, |
| { |
| "name": "Greenlight", |
| "category": "traditional", |
| "audience": "gen alpha · kids & family", |
| "region": "US", |
| "hq": "Atlanta, US", |
| "founded": 2014, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": "1% (plan)", |
| "yield": "Up to 5% savings (plan)", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "greenlight.com", |
| "website": "https://greenlight.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Family banking; chores + parental controls.", |
| "licence": "Partner bank (Community Federal)", |
| "founders": "Tim Sheehan, Johnson Cook", |
| "funding": "~$550M raised", |
| "terms_url": "https://greenlight.com/terms", |
| "privacy_url": "https://privacy.greenlight.com/policies", |
| "x_handle": "Greenlightcard", |
| "countries": [ |
| "United States" |
| ], |
| "investors": [ |
| { |
| "name": "Andreessen Horowitz", |
| "website": "https://a16z.com" |
| }, |
| { |
| "name": "TTV Capital", |
| "website": "https://ttvcapital.com" |
| }, |
| { |
| "name": "Canapi Ventures", |
| "website": "https://canapi.com" |
| }, |
| { |
| "name": "Owl Ventures", |
| "website": "https://owlvc.com" |
| }, |
| { |
| "name": "Drive Capital", |
| "website": "https://drivecapital.com" |
| } |
| ] |
| }, |
| { |
| "name": "Copper", |
| "category": "traditional", |
| "audience": "gen alpha · kids & family", |
| "region": "US", |
| "hq": "Seattle, US", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "getcopper.com", |
| "website": "https://getcopper.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Teen banking + financial literacy.", |
| "licence": "Partner bank (Evolve Bank & Trust); relaunched family banking after 2024 Synapse collapse", |
| "founders": "Eddie Behringer, Stefan Berglund", |
| "funding": "~$40M raised", |
| "terms_url": "https://www.getcopper.com/terms", |
| "x_handle": "getcopperapp", |
| "countries": [ |
| "United States" |
| ] |
| }, |
| { |
| "name": "Till Financial", |
| "category": "traditional", |
| "audience": "gen alpha · kids & family", |
| "region": "US", |
| "hq": "Boston, US", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "tillfinancial.io", |
| "website": "https://tillfinancial.io", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Family banking for kids' smart spending.", |
| "licence": "Partner bank (Coastal Community Bank); FDIC pass-through; Visa debit cards" |
| }, |
| { |
| "name": "GoHenry", |
| "category": "traditional", |
| "audience": "gen alpha · kids & family", |
| "region": "US", |
| "hq": "New York/London", |
| "founded": 2012, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa/MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "gohenry.com", |
| "website": "https://gohenry.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Kids' money app; acquired by Acorns.", |
| "story": "UK parents crowdfunded a kids' money app that taught a generation pocket-money-by-chores.", |
| "licence": "Partner bank (Community Federal Savings Bank, US); UK cards via FCA-regulated e-money issuer", |
| "founders": "Louise Hill, Dean Brauer", |
| "funding": "Acquired by Acorns (2023)", |
| "terms_url": "https://www.gohenry.com/us/terms-and-conditions", |
| "privacy_url": "https://www.gohenry.com/us/privacy-policy", |
| "x_handle": "gohenry", |
| "countries": [ |
| "United States", |
| "United Kingdom" |
| ] |
| }, |
| { |
| "name": "Albert", |
| "category": "traditional", |
| "audience": "general", |
| "region": "US", |
| "hq": "Culver City, US", |
| "founded": 2015, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": "Offers", |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "albert.com", |
| "website": "https://albert.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Automated savings + 'Genius' advice.", |
| "ai": "interface", |
| "licence": "Partner banks (Sutton Bank, Stride Bank; savings via Coastal Community Bank, Wells Fargo)", |
| "terms_url": "https://albert.com/terms", |
| "x_handle": "albertsavings", |
| "countries": [ |
| "United States" |
| ], |
| "investors": [ |
| { |
| "name": "CapitalG", |
| "website": "https://capitalg.com" |
| }, |
| { |
| "name": "General Atlantic", |
| "website": "https://generalatlantic.com" |
| }, |
| { |
| "name": "QED Investors", |
| "website": "https://qedinvestors.com" |
| } |
| ] |
| }, |
| { |
| "name": "Mercury", |
| "category": "traditional", |
| "audience": "SMB & startups", |
| "region": "US", |
| "hq": "San Francisco, US", |
| "founded": 2017, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "MC", |
| "card_type": "Business debit + credit", |
| "cashback": "1.5% (IO card)", |
| "yield": "Treasury yield", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "mercury.com", |
| "website": "https://mercury.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Startup banking; 200K+ companies.", |
| "story": "Startup banking that absorbed half of YC after SVB collapsed; added IO cards and personal banking.", |
| "ai": "interface", |
| "licence": "Partner banks (Choice, Column)", |
| "founders": "Immad Akhund", |
| "funding": "~$450M (val ~$3.5B)", |
| "terms_url": "https://mercury.com/legal/terms", |
| "privacy_url": "https://mercury.com/legal/privacy", |
| "x_handle": "mercury", |
| "countries": [ |
| "United States" |
| ], |
| "services": [ |
| "fiat-payin", |
| "fiat-payout", |
| "iban", |
| "virtual-cards" |
| ], |
| "fx_markup": { |
| "markup": "3% currency conversion fee on all non-USD card transactions (Mastercard rate)", |
| "as_of": "2026-07", |
| "source": "https://support.mercury.com/hc/en-us/articles/32529650270484-Understanding-conversion-fees-for-non-USD-card-transactions" |
| }, |
| "investors": [ |
| { |
| "name": "Andreessen Horowitz", |
| "website": "https://a16z.com" |
| }, |
| { |
| "name": "Sequoia Capital", |
| "website": "https://sequoiacap.com" |
| }, |
| { |
| "name": "CRV", |
| "website": "https://crv.com" |
| }, |
| { |
| "name": "Coatue", |
| "website": "https://coatue.com" |
| } |
| ] |
| }, |
| { |
| "name": "Brex", |
| "category": "traditional", |
| "audience": "SMB & startups", |
| "region": "US", |
| "hq": "San Francisco, US", |
| "founded": 2017, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "MC", |
| "card_type": "Corporate credit", |
| "cashback": "Points", |
| "yield": "Yield on idle cash", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "brex.com", |
| "website": "https://brex.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Corporate cards + banking for startups.", |
| "story": "Two Brazilian teens who sold a payments company before 20 rebuilt corporate cards around startup underwriting.", |
| "licence": "Partner banks", |
| "founders": "Henrique Dubugras, Pedro Franceschi", |
| "funding": "~$1.5B raised", |
| "terms_url": "https://www.brex.com/legal", |
| "privacy_url": "https://www.brex.com/legal/privacy", |
| "x_handle": "brexHQ", |
| "countries": [ |
| "United States" |
| ], |
| "fx_markup": { |
| "markup": "Up to 3% FX markup on transactions needing conversion; local-currency cards avoid it", |
| "as_of": "2026-07", |
| "source": "https://www.brex.com/support/using-brex-internationally" |
| }, |
| "investors": [ |
| { |
| "name": "Y Combinator", |
| "website": "https://ycombinator.com" |
| }, |
| { |
| "name": "DST Global", |
| "website": "https://dst-global.com" |
| }, |
| { |
| "name": "Greenoaks", |
| "website": "https://greenoaks.com" |
| }, |
| { |
| "name": "Ribbit Capital", |
| "website": "https://ribbitcap.com" |
| }, |
| { |
| "name": "Tiger Global", |
| "website": "https://tigerglobal.com" |
| } |
| ] |
| }, |
| { |
| "name": "Ramp", |
| "category": "traditional", |
| "audience": "SMB & startups", |
| "region": "US", |
| "hq": "New York, US", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Corporate card", |
| "cashback": "1.5%", |
| "yield": "Treasury yield", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "ramp.com", |
| "website": "https://ramp.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Spend management + business accounts.", |
| "story": "Spend management that markets itself on saving companies money; among the fastest-growing SaaS-fintechs ever.", |
| "licence": "Partner banks", |
| "founders": "Eric Glyman, Karim Atiyeh, Gene Lee", |
| "funding": "~$1B+ (val ~$22B, 2025)", |
| "terms_url": "https://ramp.com/legal", |
| "privacy_url": "https://ramp.com/legal/privacy-policy", |
| "x_handle": "tryramp", |
| "countries": [ |
| "United States" |
| ], |
| "investors": [ |
| { |
| "name": "Founders Fund", |
| "website": "https://foundersfund.com" |
| }, |
| { |
| "name": "Thrive Capital", |
| "website": "https://thrivecap.com" |
| }, |
| { |
| "name": "Khosla Ventures", |
| "website": "https://khoslaventures.com" |
| }, |
| { |
| "name": "Stripe", |
| "website": "https://stripe.com" |
| }, |
| { |
| "name": "General Catalyst", |
| "website": "https://generalcatalyst.com" |
| } |
| ] |
| }, |
| { |
| "name": "Novo", |
| "category": "traditional", |
| "audience": "SMB & startups", |
| "region": "US", |
| "hq": "Miami, US", |
| "founded": 2016, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "MC", |
| "card_type": "Business debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "novo.co", |
| "website": "https://novo.co", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "SMB checking for small operators.", |
| "licence": "Partner bank (Middlesex Federal Savings, F.A.); Mastercard debit; credit card via Continental Bank", |
| "founders": "Michael Rangel, Tyler McIntyre", |
| "funding": "~$170M raised", |
| "terms_url": "https://www.novo.co/legal", |
| "privacy_url": "https://www.novo.co/legal/privacy", |
| "x_handle": "banknovo", |
| "countries": [ |
| "United States" |
| ], |
| "investors": [ |
| { |
| "name": "Valar Ventures", |
| "website": "https://valar.com" |
| }, |
| { |
| "name": "Stripes", |
| "website": "https://stripes.co" |
| }, |
| { |
| "name": "Crosslink Capital", |
| "website": "https://crosslinkcapital.com" |
| } |
| ] |
| }, |
| { |
| "name": "Bluevine", |
| "category": "traditional", |
| "audience": "SMB & startups", |
| "region": "US", |
| "hq": "Redwood City, US", |
| "founded": 2013, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "MC", |
| "card_type": "Business debit", |
| "cashback": null, |
| "yield": "~2% APY checking", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "bluevine.com", |
| "website": "https://bluevine.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "SMB checking + credit lines.", |
| "licence": "Partner bank (Coastal Community Bank) + sweep-network program banks (up to $3M FDIC); credit line via Celtic Bank", |
| "founders": "Eyal Lifshitz", |
| "funding": "~$770M incl. debt", |
| "privacy_url": "https://www.bluevine.com/privacy-policy", |
| "x_handle": "Bluevine", |
| "countries": [ |
| "United States" |
| ], |
| "investors": [ |
| { |
| "name": "Lightspeed", |
| "website": "https://lsvp.com" |
| }, |
| { |
| "name": "Menlo Ventures", |
| "website": "https://menlovc.com" |
| }, |
| { |
| "name": "83North", |
| "website": "https://83north.com" |
| }, |
| { |
| "name": "Citi Ventures", |
| "website": "https://citi.com" |
| } |
| ] |
| }, |
| { |
| "name": "Relay", |
| "category": "traditional", |
| "audience": "SMB & startups", |
| "region": "US", |
| "hq": "Toronto/US", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Business debit", |
| "cashback": null, |
| "yield": "Yield on savings", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "relayfi.com", |
| "website": "https://relayfi.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Multi-account SMB banking (Profit First).", |
| "licence": "Partner bank (Thread Bank, Member FDIC); previously Evolve Bank & Trust", |
| "founders": "Yoseph West", |
| "funding": "~$100M raised", |
| "terms_url": "https://relayfi.com/terms/", |
| "privacy_url": "https://relayfi.com/privacy/", |
| "x_handle": "relayfinancial", |
| "countries": [ |
| "United States", |
| "Canada" |
| ], |
| "investors": [ |
| { |
| "name": "Bain Capital Ventures", |
| "website": "https://baincapitalventures.com" |
| }, |
| { |
| "name": "Better Tomorrow Ventures", |
| "website": "https://btv.vc" |
| }, |
| { |
| "name": "Garage Capital", |
| "website": "https://garage.vc" |
| } |
| ] |
| }, |
| { |
| "name": "NorthOne", |
| "category": "traditional", |
| "audience": "SMB & startups", |
| "region": "US", |
| "hq": "New York, US", |
| "founded": 2016, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "MC", |
| "card_type": "Business debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "northone.com", |
| "website": "https://northone.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "SMB banking for main-street businesses.", |
| "licence": "Partner bank (The Bancorp Bank, N.A.); Mastercard business debit", |
| "investors": [ |
| { |
| "name": "Battery Ventures", |
| "website": "https://battery.com" |
| }, |
| { |
| "name": "Redpoint", |
| "website": "https://redpoint.com" |
| } |
| ] |
| }, |
| { |
| "name": "Rho", |
| "category": "traditional", |
| "audience": "SMB & startups", |
| "region": "US", |
| "hq": "New York, US", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "MC", |
| "card_type": "Corporate card", |
| "cashback": "Up to 1.75%", |
| "yield": "Treasury", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "rho.co", |
| "website": "https://rho.co", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Corporate banking + spend platform.", |
| "licence": "Partner bank (Webster Bank, N.A.); savings swept across 400+ FDIC banks via ADM", |
| "founders": "Everett Cook, Alex Wheldon", |
| "funding": "~$205M raised", |
| "terms_url": "https://www.rho.co/policies/terms-of-service", |
| "privacy_url": "https://www.rho.co/policies/privacy-policy", |
| "x_handle": "rhobusiness", |
| "countries": [ |
| "United States" |
| ], |
| "investors": [ |
| { |
| "name": "DFJ Growth", |
| "website": "https://dfjgrowth.com" |
| }, |
| { |
| "name": "M13", |
| "website": "https://m13.co" |
| } |
| ] |
| }, |
| { |
| "name": "Grasshopper", |
| "category": "traditional", |
| "audience": "SMB & startups", |
| "region": "US", |
| "hq": "New York, US", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Business debit", |
| "cashback": "1%", |
| "yield": "Competitive APY", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "grasshopper.bank", |
| "website": "https://grasshopper.bank", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Chartered digital bank for startups + SMBs.", |
| "licence": "National bank charter (de novo 2019)" |
| }, |
| { |
| "name": "Found", |
| "category": "traditional", |
| "audience": "freelancers & creators", |
| "region": "US", |
| "hq": "San Francisco, US", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "MC", |
| "card_type": "Business debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "found.com", |
| "website": "https://found.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Banking + taxes for the self-employed.", |
| "licence": "Partner bank (Lead Bank); FDIC pass-through up to $250k; formerly Piermont Bank", |
| "funding": "~$70M raised", |
| "terms_url": "https://found.com/legal", |
| "privacy_url": "https://found.com/legal/privacy", |
| "x_handle": "foundforbiz", |
| "countries": [ |
| "United States" |
| ], |
| "investors": [ |
| { |
| "name": "Sequoia Capital", |
| "website": "https://sequoiacap.com" |
| }, |
| { |
| "name": "Founders Fund", |
| "website": "https://foundersfund.com" |
| }, |
| { |
| "name": "Lightspeed", |
| "website": "https://lsvp.com" |
| } |
| ] |
| }, |
| { |
| "name": "Lili", |
| "category": "traditional", |
| "audience": "freelancers & creators", |
| "region": "US", |
| "hq": "New York, US", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Business debit", |
| "cashback": null, |
| "yield": "~Savings APY (plan)", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "lili.co", |
| "website": "https://lili.co", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Freelancer banking with tax buckets.", |
| "licence": "Partner bank (Sunrise Banks, N.A.); wires via Column Bank; formerly Choice Financial", |
| "founders": "Lilac Bar David, Liran Zelkha", |
| "funding": "~$80M raised", |
| "terms_url": "https://lili.co/legal-documents/lili-terms-of-use", |
| "privacy_url": "https://lili.co/legal-documents/lili-privacy-policy", |
| "x_handle": "LiliBanking", |
| "countries": [ |
| "United States" |
| ], |
| "investors": [ |
| { |
| "name": "Group 11", |
| "website": "https://group11.vc" |
| }, |
| { |
| "name": "Target Global", |
| "website": "https://targetglobal.vc" |
| } |
| ] |
| }, |
| { |
| "name": "Karat", |
| "category": "traditional", |
| "audience": "freelancers & creators", |
| "region": "US", |
| "hq": "Los Angeles, US", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Business card", |
| "cashback": "Creator perks", |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "trykarat.com", |
| "website": "https://trykarat.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Financial services built for creators.", |
| "story": "Underwrites creators on audience data instead of FICO.", |
| "licence": "Partner bank (Grasshopper Bank, N.A.); Karat Visa credit card issued by Cross River Bank", |
| "founders": "Eric Wei, Will Kim", |
| "funding": "~$100M+ incl. debt", |
| "investors": [ |
| { |
| "name": "Union Square Ventures", |
| "website": "https://usv.com" |
| }, |
| { |
| "name": "SignalFire", |
| "website": "https://signalfire.com" |
| } |
| ] |
| }, |
| { |
| "name": "Branch", |
| "category": "traditional", |
| "audience": "gig workers", |
| "region": "US", |
| "hq": "Minneapolis, US", |
| "founded": 2015, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "branchapp.com", |
| "website": "https://branchapp.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Instant pay + wallets for gig/hourly workers.", |
| "licence": "Partner banks (Lead Bank; Evolve Bank & Trust); Mastercard debit for workforce payouts", |
| "founders": "Atif Siddiqi", |
| "funding": "~$100M+ raised", |
| "terms_url": "https://www.branchapp.com/terms", |
| "privacy_url": "https://www.branchapp.com/privacy", |
| "x_handle": "branchapp", |
| "countries": [ |
| "United States" |
| ] |
| }, |
| { |
| "name": "Panacea Financial", |
| "category": "traditional", |
| "audience": "healthcare pros", |
| "region": "US", |
| "hq": "Little Rock, US", |
| "founded": 2020, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit + credit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "panaceafinancial.com", |
| "website": "https://panaceafinancial.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Banking for doctors, dentists, vets.", |
| "story": "Founded by two physicians who couldn't get loans during residency; banking for doctors, dentists and vets.", |
| "licence": "Division of Primis Bank (NASDAQ: FRST) — operates under Primis's US bank charter; FDIC-insured", |
| "founders": "Michael Jerkins, Ned Palmer" |
| }, |
| { |
| "name": "Purple", |
| "category": "traditional", |
| "audience": "disabilities", |
| "region": "US", |
| "hq": "New York, US", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "getpurple.io", |
| "website": "https://getpurple.io", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Banking for people with disabilities; ABLE-friendly.", |
| "story": "Banking for people with disabilities designed not to endanger ABLE benefit eligibility.", |
| "licence": "Partner bank (OMB Bank, Member FDIC); Mastercard debit issued by OMB Bank", |
| "founders": "John Ciocca", |
| "terms_url": "https://www.getpurple.io/terms-of-service", |
| "privacy_url": "https://www.getpurple.io/privacy-policy", |
| "x_handle": "joinpurple", |
| "countries": [ |
| "United States" |
| ] |
| }, |
| { |
| "name": "True Link", |
| "category": "traditional", |
| "audience": "seniors", |
| "region": "US", |
| "hq": "San Francisco, US", |
| "founded": 2012, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Prepaid", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "truelinkfinancial.com", |
| "website": "https://truelinkfinancial.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Cards protecting seniors + vulnerable adults.", |
| "story": "Prepaid cards with guardrails protecting seniors from fraud and financial abuse.", |
| "licence": "Partner bank (Sunrise Banks, N.A.); True Link Visa prepaid cards", |
| "founders": "Kai Stinchcombe, Claire McDonnell" |
| }, |
| { |
| "name": "Charlie", |
| "category": "traditional", |
| "audience": "seniors", |
| "region": "US", |
| "hq": "Los Angeles, US", |
| "founded": 2022, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Early Social Security access", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "charliefinancial.com", |
| "website": "https://charliefinancial.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Banking built for the 62+ community.", |
| "story": "Banking for the 62+ crowd: early Social Security access and fraud protection over rewards points.", |
| "licence": "Partner bank (Sutton Bank); Visa debit; FDIC pass-through insurance", |
| "founders": "Kevin Nazemi", |
| "funding": "~$23M raised" |
| }, |
| { |
| "name": "Greenwood", |
| "category": "traditional", |
| "audience": "Black community", |
| "region": "US", |
| "hq": "Atlanta, US", |
| "founded": 2020, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "gogreenwood.com", |
| "website": "https://gogreenwood.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Digital banking for Black + Latino communities.", |
| "story": "Named for Tulsa's Black Wall Street; digital banking recirculating capital in Black and Latino communities.", |
| "licence": "Partner bank (Coastal Community Bank); Mastercard debit; FDIC pass-through", |
| "founders": "Ryan Glover, Killer Mike, Andrew Young", |
| "funding": "~$40M+ raised", |
| "privacy_url": "https://gogreenwood.com/privacy-policy/", |
| "x_handle": "Greenwood", |
| "countries": [ |
| "United States" |
| ], |
| "investors": [ |
| { |
| "name": "Truist", |
| "website": "https://truist.com" |
| }, |
| { |
| "name": "Bank of America", |
| "website": "https://bankofamerica.com" |
| }, |
| { |
| "name": "SoftBank", |
| "website": "https://softbank.jp" |
| } |
| ] |
| }, |
| { |
| "name": "MoCaFi", |
| "category": "traditional", |
| "audience": "Black community", |
| "region": "US", |
| "hq": "New York, US", |
| "founded": 2016, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "mocafi.com", |
| "website": "https://mocafi.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Closing the racial wealth gap via public-sector rails.", |
| "story": "Ex-JPMorgan banker's answer to Ferguson: closing the racial wealth gap via public-sector disbursement rails.", |
| "licence": "Partner bank (Sunrise Banks, N.A., Member FDIC) for accounts and Mastercard debit", |
| "founders": "Wole Coaxum", |
| "funding": "~$30M+ raised", |
| "terms_url": "https://www.mocafi.com/terms-of-service", |
| "privacy_url": "https://www.mocafi.com/privacy-policy", |
| "x_handle": "MoCaFi", |
| "countries": [ |
| "United States" |
| ] |
| }, |
| { |
| "name": "Majority", |
| "category": "traditional", |
| "audience": "immigrants & migrants", |
| "region": "US", |
| "hq": "Houston, US", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "majority.com", |
| "website": "https://majority.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "$5.99/mo membership banking for migrants; no SSN needed.", |
| "story": "Membership banking for migrants: no SSN required, community advisors, bundled calling + remittance.", |
| "licence": "Partner bank (Axiom Bank, N.A.); Visa debit; credit card issued by WebBank", |
| "founders": "Magnus Larsson", |
| "funding": "~$100M+ raised", |
| "terms_url": "https://majority.com/en/terms-conditions/", |
| "privacy_url": "https://majority.com/en/privacy-policy/", |
| "x_handle": "majority", |
| "countries": [ |
| "United States" |
| ], |
| "investors": [ |
| { |
| "name": "Valar Ventures", |
| "website": "https://valar.com" |
| }, |
| { |
| "name": "Heartcore Capital", |
| "website": "https://heartcore.com" |
| } |
| ] |
| }, |
| { |
| "name": "Zolve", |
| "category": "traditional", |
| "audience": "immigrants & migrants", |
| "region": "US", |
| "hq": "New York/Bengaluru", |
| "founded": 2020, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "MC", |
| "card_type": "Credit + debit", |
| "cashback": "Rewards", |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "zolve.com", |
| "website": "https://zolve.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "US credit for arriving immigrants (IN→US corridor).", |
| "story": "Credit cards for Indians landing in the US, underwritten on home-country data before they have a FICO.", |
| "licence": "Partner bank (Community Federal Savings Bank); deposits, debit and credit cards", |
| "founders": "Raghunandan G", |
| "funding": "~$300M incl. debt", |
| "terms_url": "https://zolve.com/policies/global/terms-of-use", |
| "privacy_url": "https://zolve.com/privacy-policy", |
| "x_handle": "zolvehq", |
| "countries": [ |
| "United States", |
| "India" |
| ], |
| "investors": [ |
| { |
| "name": "Accel", |
| "website": "https://accel.com" |
| }, |
| { |
| "name": "Lightspeed", |
| "website": "https://lsvp.com" |
| }, |
| { |
| "name": "DST Global", |
| "website": "https://dst-global.com" |
| }, |
| { |
| "name": "Creaegis", |
| "website": "https://creaegis.com" |
| } |
| ] |
| }, |
| { |
| "name": "Comun", |
| "category": "traditional", |
| "audience": "immigrants & migrants", |
| "region": "US", |
| "hq": "New York, US", |
| "founded": 2021, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "comun.app", |
| "website": "https://comun.app", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Banking for Latino immigrants; passport onboarding.", |
| "story": "Built by Mexican founders for Latino immigrants: passport onboarding and fast remittance.", |
| "licence": "Partner bank (Community Federal Savings Bank); Visa debit; FDIC pass-through", |
| "founders": "Andres Santos, Abiel Gutierrez", |
| "funding": "~$50M+ raised", |
| "terms_url": "https://www.comun.app/en/legal", |
| "privacy_url": "https://www.comun.app/en/legal/comun-privacy-policy", |
| "x_handle": "comunapp", |
| "countries": [ |
| "United States" |
| ], |
| "investors": [ |
| { |
| "name": "Redpoint", |
| "website": "https://redpoint.com" |
| }, |
| { |
| "name": "Costanoa Ventures", |
| "website": "https://costanoa.vc" |
| }, |
| { |
| "name": "South Park Commons", |
| "website": "https://southparkcommons.com" |
| } |
| ] |
| }, |
| { |
| "name": "Ellevest", |
| "category": "traditional", |
| "audience": "women", |
| "region": "US", |
| "hq": "New York, US", |
| "founded": 2014, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "ellevest.com", |
| "website": "https://ellevest.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Women-first investing platform with banking roots.", |
| "story": "Wall Street veteran Sallie Krawcheck's bet that investing designed around women's pay curves and lifespans closes the gender money gap.", |
| "licence": "SEC-registered investment adviser; Partner bank (Coastal Community Bank) for cash accounts", |
| "founders": "Sallie Krawcheck, Charlie Kroll", |
| "funding": "~$150M raised", |
| "terms_url": "https://www.ellevest.com/terms-of-service", |
| "x_handle": "Ellevest", |
| "countries": [ |
| "United States" |
| ] |
| }, |
| { |
| "name": "First Women's Bank", |
| "category": "traditional", |
| "audience": "women", |
| "region": "US", |
| "hq": "Chicago, US", |
| "founded": 2021, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Business banking", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "firstwomens.bank", |
| "website": "https://firstwomens.bank", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Women-founded, women-led chartered bank for women-owned SMBs.", |
| "story": "The first US bank founded by women, led by women, focused on lending to women-owned businesses.", |
| "licence": "National bank charter", |
| "founders": "Marianne Markowitz + founding team" |
| }, |
| { |
| "name": "KOHO", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Canada", |
| "hq": "Toronto, CA", |
| "founded": 2014, |
| "custody": "Custodial", |
| "regulation_type": "Licence pending (partner model today)", |
| "card_network": "MC", |
| "card_type": "Prepaid", |
| "cashback": "Up to 2%", |
| "yield": "Up to ~4% interest", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "koho.ca", |
| "website": "https://koho.ca", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Canada's leading prepaid neobank; credit building.", |
| "licence": "Pursuing Schedule 1 bank licence", |
| "founders": "Daniel Eberhard", |
| "funding": "~C$400M raised", |
| "terms_url": "https://www.koho.ca/legal/", |
| "x_handle": "KOHOfinancial", |
| "countries": [ |
| "Canada" |
| ], |
| "investors": [ |
| { |
| "name": "Drive Capital", |
| "website": "https://drivecapital.com" |
| }, |
| { |
| "name": "Portage", |
| "website": "https://sagard.com" |
| }, |
| { |
| "name": "Eldridge", |
| "website": "https://eldridge.com" |
| } |
| ] |
| }, |
| { |
| "name": "Neo Financial", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Canada", |
| "hq": "Calgary, CA", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "MC", |
| "card_type": "Credit + savings", |
| "cashback": "~5% at partners", |
| "yield": "~3-4% savings", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "neofinancial.com", |
| "website": "https://neofinancial.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Partner-merchant cashback network.", |
| "story": "SkipTheDishes founders' second act: cashback-network banking from Calgary.", |
| "licence": "Partner banks (Peoples Bank of Canada, Concentra Bank); CDIC-insured deposits", |
| "founders": "Andrew Chau, Jeff Adamson", |
| "funding": "~C$400M raised", |
| "terms_url": "https://www.neofinancial.com/legal", |
| "privacy_url": "https://www.neofinancial.com/legal/privacy-policy", |
| "x_handle": "neofinancial", |
| "countries": [ |
| "Canada" |
| ], |
| "investors": [ |
| { |
| "name": "Valar Ventures", |
| "website": "https://valar.com" |
| }, |
| { |
| "name": "Golden Ventures", |
| "website": "https://golden.ventures" |
| } |
| ] |
| }, |
| { |
| "name": "Wealthsimple", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Canada", |
| "hq": "Toronto, CA", |
| "founded": 2014, |
| "custody": "Custodial", |
| "regulation_type": "Broker-led", |
| "card_network": "MC", |
| "card_type": "Prepaid", |
| "cashback": "1%", |
| "yield": "~4% on cash (tiers)", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "wealthsimple.com", |
| "website": "https://wealthsimple.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Investing-first; custodial crypto trading.", |
| "story": "Canada's index-investing evangelist turned full-stack money app with crypto.", |
| "licence": "Broker-led: CIRO-registered investment dealer (WSII); cash held at CDIC member banks", |
| "founders": "Michael Katchen, Brett Huneycutt", |
| "funding": "Power Corp-backed; ~C$1B+", |
| "terms_url": "https://www.wealthsimple.com/en-ca/legal/terms", |
| "privacy_url": "https://www.wealthsimple.com/en-ca/legal/privacy", |
| "x_handle": "Wealthsimple", |
| "countries": [ |
| "Canada" |
| ], |
| "investors": [ |
| { |
| "name": "Power Corporation", |
| "website": "https://powercorporation.com" |
| }, |
| { |
| "name": "Allianz X", |
| "website": "https://allianzx.com" |
| }, |
| { |
| "name": "Meritech Capital", |
| "website": "https://meritechcapital.com" |
| }, |
| { |
| "name": "Greylock", |
| "website": "https://greylock.com" |
| }, |
| { |
| "name": "DST Global", |
| "website": "https://dst-global.com" |
| } |
| ] |
| }, |
| { |
| "name": "EQ Bank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Canada", |
| "hq": "Toronto, CA", |
| "founded": 2016, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Prepaid", |
| "cashback": "0.5%", |
| "yield": "~4% everyday interest", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "eqbank.ca", |
| "website": "https://eqbank.ca", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Digital arm of Equitable Bank.", |
| "licence": "Trade name of Equitable Bank, Schedule I chartered bank (OSFI, Canada); CDIC member", |
| "terms_url": "https://www.eqbank.ca/legal", |
| "privacy_url": "https://www.eqbank.ca/legal/privacy", |
| "x_handle": "EQBank", |
| "countries": [ |
| "Canada" |
| ] |
| }, |
| { |
| "name": "Mogo", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "Canada", |
| "hq": "Vancouver, CA", |
| "founded": 2003, |
| "custody": "Custodial", |
| "regulation_type": "VASP / MSB / crypto licences", |
| "card_network": "Visa", |
| "card_type": "Prepaid", |
| "cashback": "BTC cashback", |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "mogo.ca", |
| "website": "https://mogo.ca", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Prepaid + custodial bitcoin rewards.", |
| "licence": "Cards issued by Peoples Trust Company; MogoTrade is a CIRO-regulated broker (Canada)", |
| "founders": "David Feller, Greg Feller", |
| "funding": "Public (MOGO)" |
| }, |
| { |
| "name": "Monzo", |
| "category": "traditional", |
| "audience": "general", |
| "region": "UK", |
| "hq": "London, UK", |
| "founded": 2015, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "~4% savings pots", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "monzo.com", |
| "website": "https://monzo.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "12M+ customers; UK licence; US expansion.", |
| "story": "The hot-coral card that made banking a brand; born from the Mondo prepaid beta and a record 96-second crowdfund.", |
| "licence": "UK banking licence", |
| "founders": "Tom Blomfield + 4 co-founders", |
| "funding": "~£1.1B raised", |
| "terms_url": "https://monzo.com/legal/terms-and-conditions/", |
| "privacy_url": "https://monzo.com/legal/privacy-notice/", |
| "x_handle": "monzo", |
| "countries": [ |
| "United Kingdom", |
| "United States" |
| ], |
| "services": [ |
| "fiat-payin", |
| "fiat-payout", |
| "iban", |
| "virtual-cards" |
| ], |
| "fx_markup": { |
| "markup": "0% foreign transaction fee; Mastercard exchange rate, all tiers", |
| "as_of": "2026-07", |
| "source": "https://monzo.com/help/travelling/understanding-fees" |
| }, |
| "investors": [ |
| { |
| "name": "Accel", |
| "website": "https://accel.com" |
| }, |
| { |
| "name": "Passion Capital", |
| "website": "https://passioncapital.com" |
| }, |
| { |
| "name": "General Catalyst", |
| "website": "https://generalcatalyst.com" |
| }, |
| { |
| "name": "Y Combinator", |
| "website": "https://ycombinator.com" |
| }, |
| { |
| "name": "Tencent", |
| "website": "https://www.tencent.com" |
| } |
| ], |
| "reported_users": { |
| "value_millions": 12, |
| "metric": "customers", |
| "as_of": "2025" |
| } |
| }, |
| { |
| "name": "Starling Bank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "UK", |
| "hq": "London, UK", |
| "founded": 2014, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "~3-4% on balances", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "starlingbank.com", |
| "website": "https://starlingbank.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Profitable; Engine SaaS platform.", |
| "story": "Anne Boden left a 30-year banking career at 54 to build the UK's first consistently profitable neobank.", |
| "ai": "interface", |
| "licence": "UK banking licence", |
| "founders": "Anne Boden", |
| "funding": "~£900M raised", |
| "terms_url": "https://www.starlingbank.com/legal/", |
| "privacy_url": "https://www.starlingbank.com/legal/privacy-notice/", |
| "x_handle": "StarlingBank", |
| "countries": [ |
| "United Kingdom" |
| ], |
| "fx_markup": { |
| "markup": "0% foreign transaction fee; Mastercard rate, no markup, any day/amount", |
| "as_of": "2026-07", |
| "source": "https://www.starlingbank.com/travel/" |
| }, |
| "investors": [ |
| { |
| "name": "Goldman Sachs", |
| "website": "https://goldmansachs.com" |
| }, |
| { |
| "name": "Fidelity", |
| "website": "https://fidelity.com" |
| }, |
| { |
| "name": "Qatar Investment Authority", |
| "website": "https://qia.qa" |
| }, |
| { |
| "name": "Chrysalis", |
| "website": "https://chrysalisinvestments.co.uk" |
| } |
| ] |
| }, |
| { |
| "name": "Atom Bank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "UK", |
| "hq": "Durham, UK", |
| "founded": 2014, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": "Competitive fixed savers", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "atombank.co.uk", |
| "website": "https://atombank.co.uk", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "App-only bank, no card.", |
| "licence": "UK banking licence", |
| "founders": "Anthony Thomson, Mark Mullen", |
| "terms_url": "https://www.atombank.co.uk/terms/", |
| "x_handle": "atom_bank", |
| "countries": [ |
| "United Kingdom" |
| ], |
| "investors": [ |
| { |
| "name": "BBVA", |
| "website": "https://bbva.com" |
| }, |
| { |
| "name": "Toscafund", |
| "website": "https://toscafund.com" |
| } |
| ] |
| }, |
| { |
| "name": "Zopa Bank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "UK", |
| "hq": "London, UK", |
| "founded": 2020, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Credit", |
| "cashback": null, |
| "yield": "~4-5% savings", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "zopa.com", |
| "website": "https://zopa.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "P2P pioneer turned licensed bank.", |
| "story": "Invented P2P lending in 2005, then traded the model for a full bank licence.", |
| "ai": "underwriting", |
| "licence": "UK banking licence (2020)", |
| "founders": "Giles Andrews, James Alexander", |
| "funding": "~$1B raised", |
| "terms_url": "https://www.zopa.com/terms-of-use", |
| "privacy_url": "https://www.zopa.com/privacy-notice", |
| "x_handle": "zopa", |
| "countries": [ |
| "United Kingdom" |
| ], |
| "investors": [ |
| { |
| "name": "SoftBank", |
| "website": "https://softbank.jp" |
| }, |
| { |
| "name": "Augmentum Fintech", |
| "website": "https://augmentum.vc" |
| } |
| ] |
| }, |
| { |
| "name": "Chase UK", |
| "category": "traditional", |
| "audience": "general", |
| "region": "UK", |
| "hq": "London, UK", |
| "founded": 2021, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": "1%", |
| "yield": "~4-5% saver", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "chase.co.uk", |
| "website": "https://chase.co.uk", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "JPMorgan's UK digital bank.", |
| "licence": "UK subsidiary of JPMorgan", |
| "terms_url": "https://www.chase.co.uk/gb/en/legal/", |
| "privacy_url": "https://www.chase.co.uk/gb/en/legal/privacy-notice/", |
| "x_handle": "ChaseUK", |
| "countries": [ |
| "United Kingdom" |
| ] |
| }, |
| { |
| "name": "Kroo", |
| "category": "traditional", |
| "audience": "general", |
| "region": "UK", |
| "hq": "London, UK", |
| "founded": 2016, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "~4% on balances", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "kroo.com", |
| "website": "https://kroo.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Licensed UK bank; social features.", |
| "licence": "UK banking licence", |
| "founders": "Nazim Valimahomed", |
| "terms_url": "https://kroo.com/documents/current-account-terms-and-conditions.html", |
| "x_handle": "getkroo", |
| "countries": [ |
| "United Kingdom" |
| ] |
| }, |
| { |
| "name": "Tide", |
| "category": "traditional", |
| "audience": "SMB & startups", |
| "region": "UK", |
| "hq": "London, UK", |
| "founded": 2015, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "MC", |
| "card_type": "Business debit", |
| "cashback": "Cashback (plan)", |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "tide.co", |
| "website": "https://tide.co", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "1M+ SME members (UK + India).", |
| "licence": "E-money; deposits via ClearBank", |
| "founders": "George Bevis", |
| "funding": "~$300M raised", |
| "terms_url": "https://www.tide.co/terms/", |
| "privacy_url": "https://www.tide.co/privacy/", |
| "x_handle": "TideBusiness", |
| "countries": [ |
| "United Kingdom", |
| "India", |
| "Germany" |
| ], |
| "fx_markup": { |
| "markup": "Free plan 2.75% FX on non-GBP card txns; Smart/Pro/Max 0% (UK business)", |
| "as_of": "2026-07", |
| "source": "https://www.tide.co/features/expense-cards/" |
| }, |
| "investors": [ |
| { |
| "name": "Apax", |
| "website": "https://apax.com" |
| }, |
| { |
| "name": "Anthemis", |
| "website": "https://anthemis.com" |
| }, |
| { |
| "name": "Augmentum Fintech", |
| "website": "https://augmentum.vc" |
| }, |
| { |
| "name": "LocalGlobe", |
| "website": "https://localglobe.vc" |
| }, |
| { |
| "name": "Speedinvest", |
| "website": "https://speedinvest.com" |
| } |
| ] |
| }, |
| { |
| "name": "ANNA Money", |
| "category": "traditional", |
| "audience": "SMB & startups", |
| "region": "UK", |
| "hq": "Cardiff, UK", |
| "founded": 2017, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "MC", |
| "card_type": "Business debit", |
| "cashback": "1% select", |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "anna.money", |
| "website": "https://anna.money", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "SME banking with AI admin assistant.", |
| "licence": "E-money", |
| "founders": "Eduard Panteleev, Boris Dyakonov", |
| "terms_url": "https://anna.money/terms-and-conditions/", |
| "privacy_url": "https://anna.money/privacy-policy", |
| "x_handle": "ANNA_money", |
| "countries": [ |
| "United Kingdom", |
| "Australia" |
| ] |
| }, |
| { |
| "name": "OakNorth", |
| "category": "traditional", |
| "audience": "SMB & startups", |
| "region": "UK", |
| "hq": "London, UK", |
| "founded": 2015, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": "Competitive savers", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "oaknorth.co.uk", |
| "website": "https://oaknorth.co.uk", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Profitable SMB lender-bank.", |
| "ai": "underwriting", |
| "licence": "Full UK banking licence (PRA/FCA, 2015)", |
| "investors": [ |
| { |
| "name": "SoftBank", |
| "website": "https://softbank.jp" |
| }, |
| { |
| "name": "Clermont Group", |
| "website": "https://theclermontgroup.com" |
| }, |
| { |
| "name": "GIC", |
| "website": "https://www.gic.com.sg" |
| }, |
| { |
| "name": "Toscafund", |
| "website": "https://toscafund.com" |
| } |
| ] |
| }, |
| { |
| "name": "Allica Bank", |
| "category": "traditional", |
| "audience": "SMB & startups", |
| "region": "UK", |
| "hq": "Milton Keynes, UK", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Business", |
| "cashback": null, |
| "yield": "Rewards account", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "allica.bank", |
| "website": "https://allica.bank", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Established-SMB challenger bank.", |
| "licence": "Full UK banking licence (PRA/FCA authorised)", |
| "investors": [ |
| { |
| "name": "TCV", |
| "website": "https://tcv.com" |
| }, |
| { |
| "name": "Warwick Capital Partners", |
| "website": "https://warwickcapital.com" |
| }, |
| { |
| "name": "Atalaya Capital", |
| "website": "https://atalayacap.com" |
| } |
| ] |
| }, |
| { |
| "name": "Curve", |
| "category": "traditional", |
| "audience": "general", |
| "region": "UK", |
| "hq": "London, UK", |
| "founded": 2015, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "MC", |
| "card_type": "Card aggregator", |
| "cashback": "1% select", |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "curve.com", |
| "website": "https://curve.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "All cards in one; go-back-in-time.", |
| "licence": "E-money institution (FCA UK, FRN 900926); EEA via Curve Europe UAB EMI (Bank of Lithuania)", |
| "founders": "Shachar Bialick", |
| "funding": "~$250M raised", |
| "terms_url": "https://www.curve.com/en-gb/terms/", |
| "privacy_url": "https://www.curve.com/en-gb/privacy/", |
| "x_handle": "imaginecurve", |
| "countries": [ |
| "United Kingdom", |
| "European Union" |
| ], |
| "fx_markup": { |
| "markup": "Interbank 0% up to £/€250/mo then 2.99%; +1.5% weekend/holiday surcharge", |
| "as_of": "2026-07", |
| "source": "https://help.curve.com/en_gb/killer-fx-HyquHdnUu" |
| } |
| }, |
| { |
| "name": "Zempler Bank", |
| "category": "traditional", |
| "audience": "SMB & startups", |
| "region": "UK", |
| "hq": "London, UK", |
| "founded": 2005, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Business debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "zemplerbank.com", |
| "website": "https://zemplerbank.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Formerly Cashplus; SME-focused.", |
| "licence": "Full UK banking licence (PRA/FCA, Feb 2021, ex-Cashplus); FSCS-protected" |
| }, |
| { |
| "name": "Monese", |
| "category": "traditional", |
| "audience": "immigrants & migrants", |
| "region": "UK", |
| "hq": "London, UK", |
| "founded": 2013, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "monese.com", |
| "website": "https://monese.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "No-credit-history onboarding; consumer app scaled back to B2B (XYB).", |
| "story": "An Estonian founder rejected by UK banks built no-credit-history onboarding for migrants; consumer app later folded into B2B platform XYB.", |
| "licence": "FCA-authorised e-money institution (FRN 900960); UK accounts as agent of PrePay Technologies; owned by Pockit", |
| "founders": "Norris Koppel", |
| "funding": "~$200M raised", |
| "terms_url": "https://monese.com/gb/en/legal", |
| "privacy_url": "https://www.monese.com/privacy", |
| "x_handle": "monese", |
| "countries": [ |
| "United Kingdom", |
| "European Union" |
| ], |
| "investors": [ |
| { |
| "name": "Kinnevik", |
| "website": "https://kinnevik.com" |
| }, |
| { |
| "name": "PayPal Ventures", |
| "website": "https://paypal.com" |
| }, |
| { |
| "name": "Augmentum Fintech", |
| "website": "https://augmentum.vc" |
| }, |
| { |
| "name": "HSBC", |
| "website": "https://hsbc.com" |
| } |
| ] |
| }, |
| { |
| "name": "Pockit", |
| "category": "traditional", |
| "audience": "underbanked", |
| "region": "UK", |
| "hq": "London, UK", |
| "founded": 2014, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "MC", |
| "card_type": "Prepaid", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "pockit.com", |
| "website": "https://pockit.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Accounts for the underbanked; absorbed Monese users.", |
| "story": "Accounts for the UK's financially excluded; absorbed Monese's consumer base.", |
| "licence": "E-money via FCA-authorised EMIs (Modulr, PSI-Pay); owns Monese's EMI licence", |
| "founders": "Virraj Jatania" |
| }, |
| { |
| "name": "Suits Me", |
| "category": "traditional", |
| "audience": "underbanked", |
| "region": "UK", |
| "hq": "Cheshire, UK", |
| "founded": 2015, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": "Retail cashback", |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "suitsmecard.com", |
| "website": "https://suitsmecard.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "No-credit-check accounts for excluded workers.", |
| "licence": "E-money accounts issued by PrePay Technologies (FCA EMI, FRN 900010); Suits Me acts as agent/programme manager" |
| }, |
| { |
| "name": "Tandem Bank", |
| "category": "traditional", |
| "audience": "climate", |
| "region": "UK", |
| "hq": "London, UK", |
| "founded": 2013, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": "Competitive savers", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "tandem.co.uk", |
| "website": "https://tandem.co.uk", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Green digital bank; home-efficiency lending.", |
| "story": "Pivoted from challenger #2 to a green lender financing home decarbonisation.", |
| "licence": "UK banking licence", |
| "privacy_url": "https://www.tandem.co.uk/privacy-policy", |
| "x_handle": "tandem", |
| "countries": [ |
| "United Kingdom" |
| ], |
| "investors": [ |
| { |
| "name": "Pollen Street Capital", |
| "website": "https://pollencap.com" |
| } |
| ] |
| }, |
| { |
| "name": "Algbra", |
| "category": "traditional", |
| "audience": "faith-based", |
| "region": "UK", |
| "hq": "London, UK", |
| "founded": 2020, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": "Ethical rewards", |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "algbra.com", |
| "website": "https://algbra.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Shariah-aligned, ethics-first UK fintech.", |
| "story": "Shariah-compliant, values-based finance for the two billion people underserved on ethics.", |
| "licence": "E-money institution (FCA, FRN 952360, UK)", |
| "founders": "Zeiad Idris, Fizel Nejabat", |
| "terms_url": "https://www.algbra.com/terms-and-conditions/", |
| "x_handle": "algbra", |
| "countries": [ |
| "United Kingdom" |
| ] |
| }, |
| { |
| "name": "Kestrl", |
| "category": "traditional", |
| "audience": "faith-based", |
| "region": "UK", |
| "hq": "London, UK", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": "Halal savings", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "kestrl.io", |
| "website": "https://kestrl.io", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Muslim money app; UK + Malaysia.", |
| "story": "Muslim money app helping users grow wealth without interest.", |
| "licence": "Accounts and cards issued by AF Payments Ltd, FCA-authorised e-money institution (FRN 900440)", |
| "founders": "Areeb Siddiqui, Daeng Termizi" |
| }, |
| { |
| "name": "Wahed", |
| "category": "traditional", |
| "audience": "faith-based", |
| "region": "US/UK", |
| "hq": "New York, US", |
| "founded": 2015, |
| "custody": "Custodial", |
| "regulation_type": "Broker-led", |
| "card_network": "Visa", |
| "card_type": "Debit (US)", |
| "cashback": null, |
| "yield": "Halal portfolios", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "wahed.com", |
| "website": "https://wahed.com", |
| "active_regions": [], |
| "note": "Halal investing + banking features.", |
| "licence": "SEC-registered investment adviser; broker/custody via Apex Clearing (FINRA/SIPC)", |
| "founders": "Junaid Wahedna", |
| "funding": "~$75M raised", |
| "terms_url": "https://www.wahed.com/legal", |
| "privacy_url": "https://www.wahed.com/legal/privacy-policy", |
| "x_handle": "WahedInvest", |
| "countries": [ |
| "United States", |
| "United Kingdom", |
| "Malaysia" |
| ] |
| }, |
| { |
| "name": "N26", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Berlin, DE", |
| "founded": 2013, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "~2-4% (region)", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "n26.com", |
| "website": "https://n26.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "8M+ customers; crypto via partner in some markets.", |
| "story": "Berlin's minimalist bank that scaled across the EU, retreated from UK/US, and finally reached profitability.", |
| "licence": "German banking licence", |
| "founders": "Valentin Stalf, Maximilian Tayenthal", |
| "funding": "~$1.8B raised", |
| "x_handle": "n26", |
| "countries": [ |
| "Germany", |
| "Austria", |
| "France", |
| "Spain", |
| "Italy", |
| "Netherlands", |
| "Belgium", |
| "Portugal", |
| "Ireland", |
| "Greece", |
| "Poland" |
| ], |
| "services": [ |
| "on-ramp", |
| "off-ramp", |
| "fiat-payin", |
| "fiat-payout", |
| "iban", |
| "virtual-cards" |
| ], |
| "fx_markup": { |
| "markup": "0% N26 markup on card payments; Mastercard rate passed through (Standard plan)", |
| "as_of": "2026-07", |
| "source": "https://n26.com/en-eu/using-debit-card-abroad" |
| }, |
| "investors": [ |
| { |
| "name": "Valar Ventures", |
| "website": "https://valar.com" |
| }, |
| { |
| "name": "Insight Partners", |
| "website": "https://insightpartners.com" |
| }, |
| { |
| "name": "Tencent", |
| "website": "https://www.tencent.com" |
| }, |
| { |
| "name": "Allianz X", |
| "website": "https://allianzx.com" |
| }, |
| { |
| "name": "Earlybird", |
| "website": "https://earlybird.com" |
| } |
| ] |
| }, |
| { |
| "name": "bunq", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Amsterdam, NL", |
| "founded": 2012, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": "1% (plan)", |
| "yield": "Up to ~3.4% interest", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "bunq.com", |
| "website": "https://bunq.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "EU-wide; API-first; 'Bank of The Free'.", |
| "story": "Ali Niknam bootstrapped the Netherlands' first new banking licence in 35 years with his own money.", |
| "ai": "interface", |
| "licence": "Dutch banking licence", |
| "founders": "Ali Niknam", |
| "funding": "Founder-funded (~€100M of Niknam's own) + raises", |
| "terms_url": "https://www.bunq.com/documents/personal-account-terms-conditions", |
| "privacy_url": "https://www.bunq.com/documents/privacy-policy", |
| "x_handle": "bunq", |
| "countries": [ |
| "Netherlands", |
| "Germany", |
| "France", |
| "Spain", |
| "Italy", |
| "Belgium", |
| "Austria", |
| "Ireland", |
| "Portugal" |
| ], |
| "services": [ |
| "fiat-payin", |
| "fiat-payout", |
| "iban", |
| "multi-currency", |
| "virtual-cards" |
| ], |
| "fx_markup": { |
| "markup": "Mastercard rate + 0.5% up to €1,000/yr; 3% conversion fee above that (Free plan)", |
| "as_of": "2026-07", |
| "source": "https://www.bunq.com/personal-account/banking-plans/bunq-free" |
| }, |
| "investors": [ |
| { |
| "name": "Pollen Street Capital", |
| "website": "https://pollencap.com" |
| } |
| ] |
| }, |
| { |
| "name": "Vivid Money", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Berlin, DE", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "MiCA CASP (EU)", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": "Up to 3% (tiers)", |
| "yield": "~4% (tiers)", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "vivid.money", |
| "website": "https://vivid.money", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Cashback + investing; custodial crypto.", |
| "licence": "E-money institution (Vivid Money S.A., CSSF Luxembourg + DNB branch); AFM investment firm; MiCAR CASP (2025)", |
| "founders": "Alexander Emeshev, Artem Yamanov", |
| "funding": "~$200M+ raised", |
| "terms_url": "https://vivid.money/de-ch/legal-documents/", |
| "privacy_url": "https://vivid.money/de-ch/privacy-policy/", |
| "x_handle": "vivid_money", |
| "countries": [ |
| "Germany", |
| "France", |
| "Spain", |
| "Italy", |
| "Netherlands" |
| ], |
| "services": [ |
| "on-ramp", |
| "off-ramp", |
| "fiat-payin", |
| "fiat-payout", |
| "iban", |
| "multi-currency", |
| "virtual-cards" |
| ], |
| "fx_markup": { |
| "markup": "Visa base rate + up to 1% on non-EUR (0.5% rising toward 1% outside FX-market hours)", |
| "as_of": "2026-07", |
| "source": "https://support.vivid.money/en/articles/8680120-what-s-the-exchange-rate-for-purchases-made-in-a-currency-other-than-the-euro" |
| }, |
| "investors": [ |
| { |
| "name": "Ribbit Capital", |
| "website": "https://ribbitcap.com" |
| }, |
| { |
| "name": "SoftBank", |
| "website": "https://softbank.jp" |
| }, |
| { |
| "name": "Greenoaks", |
| "website": "https://greenoaks.com" |
| } |
| ] |
| }, |
| { |
| "name": "Tomorrow", |
| "category": "traditional", |
| "audience": "climate", |
| "region": "Europe", |
| "hq": "Hamburg, DE", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "tomorrow.one", |
| "website": "https://tomorrow.one", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Climate-positive spending.", |
| "story": "Hamburg social business: card spend funds climate projects.", |
| "licence": "Partner bank (Solaris SE, full German banking licence, BaFin-supervised)", |
| "founders": "Inas Nureldin, Jakob Berndt, Michael Schweikart" |
| }, |
| { |
| "name": "C24 Bank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Frankfurt, DE", |
| "founded": 2020, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Interest on balance", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "c24.de", |
| "website": "https://c24.de", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "CHECK24's digital bank.", |
| "licence": "Full German banking licence (BaFin); CHECK24 subsidiary" |
| }, |
| { |
| "name": "Kontist", |
| "category": "traditional", |
| "audience": "freelancers & creators", |
| "region": "Europe", |
| "hq": "Berlin, DE", |
| "founded": 2016, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Business debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "kontist.com", |
| "website": "https://kontist.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Freelancer banking with auto tax buckets.", |
| "story": "Freelancer banking that auto-reserves German taxes in real time.", |
| "licence": "Partner bank (Solaris SE, BaFin-licensed); German IBAN accounts", |
| "founders": "Christopher Plantener" |
| }, |
| { |
| "name": "Fyrst", |
| "category": "traditional", |
| "audience": "SMB & startups", |
| "region": "Europe", |
| "hq": "Bonn, DE", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Business debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "fyrst.de", |
| "website": "https://fyrst.de", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Deutsche Bank's SMB digital brand.", |
| "licence": "Brand of Deutsche Bank AG — full German banking licence (ECB/BaFin); Postbank rails" |
| }, |
| { |
| "name": "Qonto", |
| "category": "traditional", |
| "audience": "SMB & startups", |
| "region": "Europe", |
| "hq": "Paris, FR", |
| "founded": 2016, |
| "custody": "Custodial", |
| "regulation_type": "Licence pending (partner model today)", |
| "card_network": "MC", |
| "card_type": "Business debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "qonto.com", |
| "website": "https://qonto.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "500K+ SME clients across FR/DE/ES/IT.", |
| "story": "Europe's SME banking leader out of Paris; absorbed Penta to own the German market too.", |
| "ai": "interface", |
| "licence": "Payment institution (ACPR); pursuing credit licence", |
| "founders": "Alexandre Prot, Steve Anavi", |
| "funding": "~€620M raised", |
| "privacy_url": "https://qonto.com/en/legal-documents/privacy-notice", |
| "x_handle": "getqonto", |
| "countries": [ |
| "France", |
| "Germany", |
| "Spain", |
| "Italy" |
| ], |
| "services": [ |
| "fiat-payin", |
| "fiat-payout", |
| "iban", |
| "virtual-cards" |
| ], |
| "fx_markup": { |
| "markup": "Entry card 2% on non-EUR card payments; Plus 1%; X plan 0% (business only)", |
| "as_of": "2026-07", |
| "source": "https://support-fr.qonto.com/hc/en-us/articles/23947693926929-Can-I-use-my-Qonto-card-abroad" |
| }, |
| "investors": [ |
| { |
| "name": "Valar Ventures", |
| "website": "https://valar.com" |
| }, |
| { |
| "name": "Alven", |
| "website": "https://alven.co" |
| }, |
| { |
| "name": "Tencent", |
| "website": "https://www.tencent.com" |
| }, |
| { |
| "name": "DST Global", |
| "website": "https://dst-global.com" |
| }, |
| { |
| "name": "TCV", |
| "website": "https://tcv.com" |
| } |
| ] |
| }, |
| { |
| "name": "Shine", |
| "category": "traditional", |
| "audience": "freelancers & creators", |
| "region": "Europe", |
| "hq": "Paris, FR", |
| "founded": 2017, |
| "custody": "Custodial", |
| "regulation_type": "Payment institution", |
| "card_network": "MC", |
| "card_type": "Business debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "shine.fr", |
| "website": "https://shine.fr", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Freelancer banking (Société Générale).", |
| "licence": "Payment institution (ACPR n°71758, France); funds safeguarded at Société Générale", |
| "founders": "Nicolas Reboud, Raphaël Simon", |
| "funding": "Acquired by SocGen (2020), later Ageras" |
| }, |
| { |
| "name": "Indy", |
| "category": "traditional", |
| "audience": "freelancers & creators", |
| "region": "Europe", |
| "hq": "Lyon, FR", |
| "founded": 2016, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "MC", |
| "card_type": "Business account", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "indy.fr", |
| "website": "https://indy.fr", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Freelancer accounting + banking.", |
| "licence": "Accounts via Swan, ACPR-licensed e-money institution (France); French IBAN", |
| "investors": [ |
| { |
| "name": "Singular", |
| "website": "https://singular.vc" |
| } |
| ] |
| }, |
| { |
| "name": "Sumeria (Lydia)", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Paris, FR", |
| "founded": 2013, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "~2-4% on balance", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "sumeria.eu", |
| "website": "https://sumeria.eu", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "France's P2P leader turned full account.", |
| "story": "France's 'send me a Lydia' P2P verb rebranded to Sumeria to become a real current account.", |
| "licence": "E-money institution (Lydia Solutions, ACPR France, CIB 17598); credit-institution licence applied for", |
| "founders": "Cyril Chiche, Antoine Porte", |
| "funding": "~€260M raised", |
| "terms_url": "https://www.sumeria.eu/en/legal/", |
| "x_handle": "sumeria_app", |
| "countries": [ |
| "France" |
| ], |
| "investors": [ |
| { |
| "name": "Tencent", |
| "website": "https://www.tencent.com" |
| }, |
| { |
| "name": "Accel", |
| "website": "https://accel.com" |
| }, |
| { |
| "name": "Dragoneer", |
| "website": "https://dragoneer.com" |
| } |
| ] |
| }, |
| { |
| "name": "Nickel", |
| "category": "traditional", |
| "audience": "underbanked", |
| "region": "Europe", |
| "hq": "Paris, FR", |
| "founded": 2014, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "nickel.eu", |
| "website": "https://nickel.eu", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Open an account at the tabac; 4M+ across FR/ES/BE/PT/DE.", |
| "story": "Opened accounts through 6,500 tobacco shops — banking where French banks refused to go.", |
| "licence": "Payment institution (Financière des Paiements Électroniques, ACPR no. 16598); BNP Paribas subsidiary", |
| "founders": "Hugues Le Bret, Ryad Boulanouar", |
| "funding": "Acquired by BNP Paribas (2017)", |
| "x_handle": "nickel", |
| "countries": [ |
| "France", |
| "Spain", |
| "Belgium", |
| "Portugal", |
| "Germany" |
| ] |
| }, |
| { |
| "name": "BoursoBank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Paris, FR", |
| "founded": 1995, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit + credit", |
| "cashback": null, |
| "yield": "Competitive savers", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "boursobank.com", |
| "website": "https://boursobank.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "France's largest online bank; 7M+ (SocGen).", |
| "licence": "Bank (Société Générale)", |
| "x_handle": "BoursoBank", |
| "countries": [ |
| "France" |
| ] |
| }, |
| { |
| "name": "Hello bank!", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Paris, FR", |
| "founded": 2013, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "hellobank.fr", |
| "website": "https://hellobank.fr", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "BNP Paribas' digital bank.", |
| "licence": "Operates under BNP Paribas' French banking licence (direct-bank brand)" |
| }, |
| { |
| "name": "Fortuneo", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Brest, FR", |
| "founded": 2000, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit + credit", |
| "cashback": null, |
| "yield": "Savers + brokerage", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "fortuneo.fr", |
| "website": "https://fortuneo.fr", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Crédit Mutuel Arkéa's online bank.", |
| "licence": "Crédit Mutuel Arkéa banking licence (ACPR, France); brand of the group's online bank" |
| }, |
| { |
| "name": "Lunar", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Aarhus, DK", |
| "founded": 2015, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "~3-4% (tiers)", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "lunar.app", |
| "website": "https://lunar.app", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Nordic neobank (DK/SE/NO).", |
| "ai": "interface", |
| "licence": "Danish banking licence", |
| "founders": "Ken Villum Klausen", |
| "funding": "~$500M raised", |
| "privacy_url": "https://www.lunar.app/en/privacy-policy", |
| "x_handle": "lunar", |
| "countries": [ |
| "Denmark", |
| "Sweden", |
| "Norway" |
| ], |
| "investors": [ |
| { |
| "name": "Kinnevik", |
| "website": "https://kinnevik.com" |
| }, |
| { |
| "name": "Tencent", |
| "website": "https://www.tencent.com" |
| }, |
| { |
| "name": "Seed Capital", |
| "website": "https://seedcapital.dk" |
| }, |
| { |
| "name": "Greyhound Capital", |
| "website": "https://greyhoundcapital.com" |
| } |
| ] |
| }, |
| { |
| "name": "Northmill", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Stockholm, SE", |
| "founded": 2006, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": "Cashback offers", |
| "yield": "Savings", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "northmill.com", |
| "website": "https://northmill.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Swedish licensed digital bank.", |
| "licence": "Swedish banking licence (Finansinspektionen, since 2019)" |
| }, |
| { |
| "name": "Rocker", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Stockholm, SE", |
| "founded": 2017, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Savings", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "rocker.com", |
| "website": "https://rocker.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Swedish challenger; pay + save + loans.", |
| "licence": "Operates under Bankaktiebolaget Nordiska's Swedish banking licence (Finansinspektionen); own PI licence returned Sep 2025" |
| }, |
| { |
| "name": "indó", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Reykjavík, IS", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Competitive ISK savers", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "indo.is", |
| "website": "https://indo.is", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Iceland's first neobank.", |
| "licence": "Icelandic banking licence", |
| "founders": "Haukur Skúlason, Tryggvi Björn Davíðsson" |
| }, |
| { |
| "name": "Hype", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Milan, IT", |
| "founded": 2015, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": "Offers", |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "hype.it", |
| "website": "https://hype.it", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "One of Italy's largest neobanks (Banca Sella).", |
| "licence": "E-money institution (IMEL, Banca d'Italia); being merged into Banca Sella (2026)" |
| }, |
| { |
| "name": "Tinaba", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Milan, IT", |
| "founded": 2015, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "tinaba.com", |
| "website": "https://tinaba.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Italian money app with Banca Profilo.", |
| "licence": "Partner bank (Banca Profilo, Bank of Italy register no. 5271); Tinaba is the tech layer" |
| }, |
| { |
| "name": "Flowe", |
| "category": "traditional", |
| "audience": "climate", |
| "region": "Europe", |
| "hq": "Milan, IT", |
| "founded": 2020, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "MC", |
| "card_type": "Debit (wooden card)", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "flowe.com", |
| "website": "https://flowe.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Banca Mediolanum's green digital bank.", |
| "licence": "E-money institution (IMEL, Bank of Italy, 2019); founded by Banca Mediolanum" |
| }, |
| { |
| "name": "buddybank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Milan, IT", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "buddybank.com", |
| "website": "https://buddybank.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "UniCredit's iPhone-native bank.", |
| "licence": "UniCredit S.p.A. digital service — operates under UniCredit's Italian banking licence (ECB supervised)" |
| }, |
| { |
| "name": "isybank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Milan, IT", |
| "founded": 2023, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "isybank.com", |
| "website": "https://isybank.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Intesa Sanpaolo's cloud-native digital bank.", |
| "licence": "Own Italian banking licence (Intesa Sanpaolo group; ECB/Banca d'Italia supervised)" |
| }, |
| { |
| "name": "Openbank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Madrid, ES", |
| "founded": 1995, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa/MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Competitive savers", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "openbank.es", |
| "website": "https://openbank.es", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Santander's digital bank; now US/MX too.", |
| "licence": "Full banking licence within Santander Group (ECB/Bank of Spain); US via Santander Bank N.A." |
| }, |
| { |
| "name": "imagin", |
| "category": "traditional", |
| "audience": "gen z & students", |
| "region": "Europe", |
| "hq": "Barcelona, ES", |
| "founded": 2020, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "imagin.com", |
| "website": "https://imagin.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "CaixaBank's youth-first money app.", |
| "licence": "Operates under CaixaBank's Spanish banking licence (ECB/Bank of Spain supervised)" |
| }, |
| { |
| "name": "MyInvestor", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Madrid, ES", |
| "founded": 2017, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Competitive savers + funds", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "myinvestor.es", |
| "website": "https://myinvestor.es", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Andbank's digital bank + broker.", |
| "licence": "Own Spanish banking licence (MyInvestor Banco S.A., Banco de España no. 1544; Andbank group); CNMV supervised" |
| }, |
| { |
| "name": "ZEN.com", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Vilnius, LT", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": "Up to 1.5%", |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "zen.com", |
| "website": "https://zen.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "EU e-money; multicurrency + merchant tools.", |
| "licence": "E-money institution (Bank of Lithuania, LB000457, 2018)" |
| }, |
| { |
| "name": "Paysera", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Vilnius, LT", |
| "founded": 2004, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "paysera.com", |
| "website": "https://paysera.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Baltic multicurrency veteran.", |
| "licence": "E-money institution licence (Bank of Lithuania, 2012); EEA passported" |
| }, |
| { |
| "name": "Trade Republic", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Berlin, DE", |
| "founded": 2015, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": "1% saveback", |
| "yield": "~ECB rate on cash", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "traderepublic.com", |
| "website": "https://traderepublic.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Broker with full bank licence; custodial crypto.", |
| "story": "Berlin broker that pays ECB rate on cash and hands out 1% saveback — a bank disguised as a savings plan.", |
| "licence": "German full banking licence (2023)", |
| "founders": "Christian Hecker, Thomas Pischke, Marco Cancellieri", |
| "funding": "~€1.2B raised", |
| "privacy_url": "https://assets.traderepublic.com/assets/files/Privacy-Website_en-DE.pdf", |
| "x_handle": "traderepublic", |
| "countries": [ |
| "Germany", |
| "France", |
| "Spain", |
| "Italy", |
| "Netherlands", |
| "Austria", |
| "Belgium", |
| "Ireland", |
| "Portugal" |
| ], |
| "investors": [ |
| { |
| "name": "Sequoia Capital", |
| "website": "https://sequoiacap.com" |
| }, |
| { |
| "name": "Accel", |
| "website": "https://accel.com" |
| }, |
| { |
| "name": "Founders Fund", |
| "website": "https://foundersfund.com" |
| }, |
| { |
| "name": "Thrive Capital", |
| "website": "https://thrivecap.com" |
| }, |
| { |
| "name": "Creandum", |
| "website": "https://creandum.com" |
| } |
| ] |
| }, |
| { |
| "name": "Finom", |
| "category": "traditional", |
| "audience": "SMB & startups", |
| "region": "Europe", |
| "hq": "Amsterdam, NL", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "Visa", |
| "card_type": "Business debit", |
| "cashback": "Up to 3%", |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "finom.co", |
| "website": "https://finom.co", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "SMB/freelancer banking across the EU.", |
| "licence": "E-money institution (FINOM Payments B.V., DNB Netherlands); EU/EEA passporting", |
| "founders": "Ex-Modulbank team (Novikov, Laguta, Petrov, Stiskin)", |
| "funding": "~€180M raised" |
| }, |
| { |
| "name": "Wise", |
| "category": "traditional", |
| "audience": "travel & digital nomads", |
| "region": "Europe", |
| "hq": "London, UK", |
| "founded": 2011, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "Visa/MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Interest on balances (region)", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "wise.com", |
| "website": "https://wise.com", |
| "active_regions": [ |
| "Europe", |
| "North America", |
| "Asia", |
| "Oceania", |
| "Latin America", |
| "Africa", |
| "MENA" |
| ], |
| "note": "Mid-market-rate FX; 16M+ customers.", |
| "story": "Two Estonians tired of hidden FX fees built mid-market-rate transfers; now moving £100B+ a year.", |
| "licence": "E-money/payment licences globally", |
| "founders": "Kristo Käärmann, Taavet Hinrikus", |
| "funding": "Public (WISE.L)", |
| "terms_url": "https://wise.com/terms-and-conditions", |
| "privacy_url": "https://wise.com/privacy-policy", |
| "x_handle": "Wise", |
| "countries": [ |
| "United Kingdom", |
| "United States", |
| "Australia", |
| "Singapore", |
| "Japan", |
| "Brazil", |
| "Canada", |
| "New Zealand", |
| "European Union", |
| "India", |
| "Philippines", |
| "Malaysia", |
| "UAE" |
| ], |
| "services": [ |
| "fiat-payin", |
| "fiat-payout", |
| "iban", |
| "multi-currency", |
| "virtual-cards" |
| ], |
| "fx_markup": { |
| "markup": "Mid-market rate + conversion fee, typically ~0.33–1.5%; free if you hold the currency", |
| "as_of": "2026-04", |
| "source": "https://wise.com/gateway/v1/us/disclosures/long-form" |
| }, |
| "investors": [ |
| { |
| "name": "Index Ventures", |
| "website": "https://indexventures.com" |
| }, |
| { |
| "name": "Andreessen Horowitz", |
| "website": "https://a16z.com" |
| }, |
| { |
| "name": "Valar Ventures", |
| "website": "https://valar.com" |
| }, |
| { |
| "name": "Baillie Gifford", |
| "website": "https://bailliegifford.com" |
| } |
| ], |
| "reported_users": { |
| "value_millions": 19, |
| "metric": "customers", |
| "as_of": "FY26" |
| }, |
| "volume": { |
| "figure": "$243.5B", |
| "metric": "cross-border volume · FY2026 · +31%", |
| "source": "FY26 results" |
| } |
| }, |
| { |
| "name": "Klarna", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Stockholm, SE", |
| "founded": 2005, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit + BNPL", |
| "cashback": "Rewards club", |
| "yield": "Savings (region)", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "klarna.com", |
| "website": "https://klarna.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "BNPL giant with full banking accounts.", |
| "ai": "interface", |
| "licence": "Swedish banking licence", |
| "founders": "Sebastian Siemiatkowski, Niklas Adalberth, Victor Jacobsson", |
| "funding": "Public (KLAR, 2025)", |
| "terms_url": "https://www.klarna.com/us/legal/", |
| "privacy_url": "https://www.klarna.com/us/privacy-policy/", |
| "x_handle": "Klarna", |
| "countries": [ |
| "Sweden", |
| "United States", |
| "United Kingdom", |
| "Germany", |
| "Australia", |
| "European Union" |
| ], |
| "investors": [ |
| { |
| "name": "Sequoia Capital", |
| "website": "https://sequoiacap.com" |
| }, |
| { |
| "name": "Atomico", |
| "website": "https://atomico.com" |
| }, |
| { |
| "name": "Silver Lake", |
| "website": "https://silverlake.com" |
| }, |
| { |
| "name": "Permira", |
| "website": "https://permira.com" |
| }, |
| { |
| "name": "SoftBank", |
| "website": "https://softbank.jp" |
| } |
| ] |
| }, |
| { |
| "name": "Salt Bank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Bucharest, RO", |
| "founded": 2024, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Competitive RON savers", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "salt.bank", |
| "website": "https://salt.bank", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Romania's first neobank (Banca Transilvania).", |
| "licence": "Bank (Banca Transilvania)" |
| }, |
| { |
| "name": "Snappi", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Athens, GR", |
| "founded": 2024, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "snappi.com", |
| "website": "https://snappi.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Greek neobank (Piraeus-backed).", |
| "licence": "Full ECB banking licence (via Bank of Greece, Jun 2024); Piraeus-backed digital bank" |
| }, |
| { |
| "name": "Papara", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Istanbul, TR", |
| "founded": 2016, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "MC", |
| "card_type": "Prepaid", |
| "cashback": "Cashback offers", |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "papara.com", |
| "website": "https://papara.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "17M+ users; Turkey's leading fintech.", |
| "story": "Istanbul's fintech champion: 17M users and an M&A run across Turkey and Pakistan.", |
| "licence": "E-money institution (CBRT, Turkey); licence revoked Oct 2025, reinstated under state trusteeship", |
| "founders": "Ahmed Karslı", |
| "funding": "Profitable; acquired SadaPay (2024)", |
| "terms_url": "https://www.papara.com/en/legal-notices", |
| "privacy_url": "https://www.papara.com/en/legal-notices/privacy", |
| "x_handle": "papara", |
| "countries": [ |
| "Türkiye" |
| ] |
| }, |
| { |
| "name": "Enpara", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Istanbul, TR", |
| "founded": 2012, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Competitive TRY savers", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "enpara.com", |
| "website": "https://enpara.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "QNB's fee-free digital bank.", |
| "licence": "Bank (QNB Finansbank)" |
| }, |
| { |
| "name": "Monobank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Kyiv, UA", |
| "founded": 2017, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "MC", |
| "card_type": "Debit + credit", |
| "cashback": "Cashback categories", |
| "yield": "Deposits", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "monobank.ua", |
| "website": "https://monobank.ua", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "8M+ customers; Ukraine's app-first bank.", |
| "story": "Built by the ex-PrivatBank team; kept Ukraine's payments running through blackouts and full-scale war, with a cat mascot.", |
| "licence": "Operates on Universal Bank licence", |
| "founders": "Oleh Gorokhovskyi, Mykhailo Rogalskyi", |
| "funding": "Bootstrapped, profitable", |
| "terms_url": "https://www.monobank.ua/terms", |
| "privacy_url": "https://www.monobank.ua/privacy", |
| "x_handle": "monobank_ua", |
| "countries": [ |
| "Ukraine" |
| ] |
| }, |
| { |
| "name": "T-Bank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Moscow, RU", |
| "founded": 2006, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC (dom.)", |
| "card_type": "Debit + credit", |
| "cashback": "Cashback categories", |
| "yield": "Deposits", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "tbank.ru", |
| "website": "https://tbank.ru", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Ex-Tinkoff; 40M+ customers, one of the largest standalone neobanks.", |
| "story": "Tinkov built the world's largest standalone digital bank from a credit-card mailer; sanctions forced his exit.", |
| "ai": "interface", |
| "licence": "Russian banking licence", |
| "founders": "Oleg Tinkov (exited 2022)", |
| "funding": "Public (MOEX)" |
| }, |
| { |
| "name": "Kaspi", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Almaty, KZ", |
| "founded": 2012, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit + credit", |
| "cashback": "In-app offers", |
| "yield": "Deposits", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "kaspi.kz", |
| "website": "https://kaspi.kz", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Kazakh super-app: payments + marketplace + fintech.", |
| "story": "Turned a distressed Kazakh bank into a super-app processing most of the country's payments and e-commerce.", |
| "licence": "Kazakh banking licence", |
| "founders": "Mikheil Lomtadze, Vyacheslav Kim", |
| "funding": "Public (KSPI)", |
| "terms_url": "https://kaspi.kz/terms", |
| "x_handle": "kaspikz", |
| "countries": [ |
| "Kazakhstan", |
| "Türkiye" |
| ], |
| "volume": { |
| "figure": "KZT 44.2T (~$85B)", |
| "metric": "payments TPV · FY2025 · +19%", |
| "source": "Kaspi 4Q/FY25" |
| } |
| }, |
| { |
| "name": "Uzum", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Tashkent, UZ", |
| "founded": 2022, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC (dom.)", |
| "card_type": "Debit", |
| "cashback": "In-app offers", |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "uzum.uz", |
| "website": "https://uzum.uz", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Uzbekistan's super-app + digital bank.", |
| "licence": "Bank licence (UZ)" |
| }, |
| { |
| "name": "TBC UZ", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Tashkent, UZ", |
| "founded": 2020, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Deposits", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "tbcbank.uz", |
| "website": "https://tbcbank.uz", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "TBC's Uzbek digital bank; 20M+ registered.", |
| "ai": "underwriting", |
| "licence": "Bank (TBC Group)", |
| "funding": "Public parent (TBCG.L)" |
| }, |
| { |
| "name": "Nubank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "São Paulo, BR", |
| "founded": 2013, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Credit + debit", |
| "cashback": null, |
| "yield": "~100% CDI", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "nubank.com.br", |
| "website": "https://nubank.com.br", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "131M customers (FY25); custodial crypto; US OCC conditional approval.", |
| "story": "Started after David Vélez's kafkaesque São Paulo branch visit; now Latin America's most valuable financial institution with 100M+ customers.", |
| "ai": "underwriting", |
| "licence": "Bank licences BR/MX/CO; conditional US OCC approval (2026)", |
| "founders": "David Vélez, Cristina Junqueira, Edward Wible", |
| "funding": "Public (NU)", |
| "terms_url": "https://nubank.com.br/en/contract/", |
| "x_handle": "nubank", |
| "countries": [ |
| "Brazil", |
| "Mexico", |
| "Colombia" |
| ], |
| "services": [ |
| "on-ramp", |
| "off-ramp", |
| "fiat-payin", |
| "fiat-payout", |
| "iban", |
| "multi-currency", |
| "virtual-cards" |
| ], |
| "investors": [ |
| { |
| "name": "Sequoia Capital", |
| "website": "https://sequoiacap.com" |
| }, |
| { |
| "name": "DST Global", |
| "website": "https://dst-global.com" |
| }, |
| { |
| "name": "Kaszek", |
| "website": "https://kaszek.com" |
| }, |
| { |
| "name": "Tencent", |
| "website": "https://www.tencent.com" |
| }, |
| { |
| "name": "Berkshire Hathaway", |
| "website": "https://berkshirehathaway.com" |
| } |
| ], |
| "reported_users": { |
| "value_millions": 131, |
| "metric": "customers", |
| "as_of": "2025" |
| }, |
| "volume": { |
| "figure": "$41.9B", |
| "metric": "deposits · Q4 2025", |
| "source": "Nu FY25 results" |
| } |
| }, |
| { |
| "name": "Ualá", |
| "category": "traditional", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "Buenos Aires, AR", |
| "founded": 2017, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Prepaid + credit", |
| "cashback": null, |
| "yield": "Remunerated account", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "uala.com.ar", |
| "website": "https://uala.com.ar", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "AR/MX/CO; added crypto + dollar features.", |
| "story": "Buenos Aires historian-turned-founder set out to bank every Argentine teenager; now ~1 in 5 Argentine adults use it, with 11M+ customers across AR/MX/CO.", |
| "ai": "underwriting", |
| "licence": "Bank licences (AR via Wilobank, MX via ABC Capital)", |
| "founders": "Pierpaolo Barbieri", |
| "funding": "~$1B+ raised incl. $195M round (Mar 2026) at $3.2B", |
| "terms_url": "https://www.uala.com.ar/legales", |
| "x_handle": "uala", |
| "countries": [ |
| "Argentina", |
| "Mexico", |
| "Colombia" |
| ], |
| "investors": [ |
| { |
| "name": "SoftBank", |
| "website": "https://softbank.jp" |
| }, |
| { |
| "name": "Tencent", |
| "website": "https://www.tencent.com" |
| }, |
| { |
| "name": "Allianz X", |
| "website": "https://allianzx.com" |
| }, |
| { |
| "name": "Goldman Sachs", |
| "website": "https://goldmansachs.com" |
| }, |
| { |
| "name": "Soros Fund Management", |
| "website": "https://sorosfundmgmt.com" |
| } |
| ] |
| }, |
| { |
| "name": "Plata", |
| "category": "traditional", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "Mexico City, MX", |
| "founded": 2023, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Credit + debit", |
| "cashback": "Cashback", |
| "yield": "Interest on deposits", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "platacard.mx", |
| "website": "https://platacard.mx", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "Ex-Tinkoff team; fastest digital bank ever to $600M annualized revenue — full Mexican licence as Banco Plata (Mar 2026), 3.5M+ credit-card customers.", |
| "story": "The Tinkoff playbook replayed in Mexico: proprietary core banking + AI risk engine built by 800 STEM hires, 750K first-time cardholders, $800M loan book — LatAm's most valuable private digital bank three years after founding.", |
| "ai": "underwriting", |
| "licence": "Full Mexican bank licence (Banco Plata, Mar 2026); Colombia Compañía de Financiamiento authorized", |
| "founders": "Neri Tollardo (CEO) + ex-Tinkoff team", |
| "funding": "$405M Series C at $5B (Apr 2026, Bicycle Capital, QIA, BTG Pactual) — $2B+ debt & equity total", |
| "terms_url": "https://platacard.mx/es/docs/", |
| "x_handle": "bancoplatamx", |
| "countries": [ |
| "Mexico" |
| ], |
| "investors": [ |
| { |
| "name": "Bicycle Capital", |
| "website": "https://bicycle.capital" |
| }, |
| { |
| "name": "Qatar Investment Authority", |
| "website": "https://qia.qa" |
| }, |
| { |
| "name": "BTG Pactual", |
| "website": "https://btgpactual.com" |
| }, |
| { |
| "name": "Valor Capital Group", |
| "website": "https://valorcapitalgroup.com" |
| }, |
| { |
| "name": "Kora", |
| "website": "https://koramgmt.com" |
| }, |
| { |
| "name": "Hedosophia", |
| "website": "https://hedosophia.com" |
| } |
| ] |
| }, |
| { |
| "name": "albo", |
| "category": "traditional", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "Mexico City, MX", |
| "founded": 2016, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "albo.mx", |
| "website": "https://albo.mx", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "One of Mexico's first challengers.", |
| "licence": "IFPE licence (CNBV, Mexico, 2022) — e-money institution under Ley Fintech", |
| "founders": "Ángel Sahagún", |
| "funding": "~$150M+ raised", |
| "investors": [ |
| { |
| "name": "Valar Ventures", |
| "website": "https://valar.com" |
| }, |
| { |
| "name": "Greyhound Capital", |
| "website": "https://greyhoundcapital.com" |
| }, |
| { |
| "name": "Mountain Nazca", |
| "website": "https://nazca.mx" |
| } |
| ] |
| }, |
| { |
| "name": "Klar", |
| "category": "traditional", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "Mexico City, MX", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit + credit", |
| "cashback": "Up to 4%", |
| "yield": "Cetes-linked yield", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "klar.mx", |
| "website": "https://klar.mx", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "Mexican credit-led neobank.", |
| "ai": "underwriting", |
| "licence": "SOFIPO licence (CNBV, Mexico); acquiring Bineo for its bank licence, approvals pending", |
| "founders": "Stefan Möller, Daniel Autrique", |
| "funding": "~$500M incl. debt", |
| "x_handle": "klarmx", |
| "countries": [ |
| "Mexico" |
| ], |
| "investors": [ |
| { |
| "name": "General Atlantic", |
| "website": "https://generalatlantic.com" |
| }, |
| { |
| "name": "Prosus Ventures", |
| "website": "https://prosus.com" |
| }, |
| { |
| "name": "Quona Capital", |
| "website": "https://quona.com" |
| }, |
| { |
| "name": "Mouro Capital", |
| "website": "https://mourocapital.com" |
| } |
| ] |
| }, |
| { |
| "name": "Stori", |
| "category": "traditional", |
| "audience": "underbanked", |
| "region": "LatAm", |
| "hq": "Mexico City, MX", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Credit", |
| "cashback": null, |
| "yield": "Yield account", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "storicard.com", |
| "website": "https://storicard.com", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "Credit inclusion for underbanked Mexico; 3M+.", |
| "story": "Credit cards for the 60% of Mexicans banks reject; unicorn built on inclusion economics.", |
| "ai": "underwriting", |
| "licence": "Sofipo (MX)", |
| "founders": "Bin Chen, Marlene Garayzar + 3", |
| "funding": "~$550M incl. debt", |
| "terms_url": "https://www.storicard.com/legales", |
| "privacy_url": "https://www.storicard.com/aviso-de-privacidad", |
| "x_handle": "storicard", |
| "countries": [ |
| "Mexico" |
| ], |
| "investors": [ |
| { |
| "name": "Lightspeed", |
| "website": "https://lsvp.com" |
| }, |
| { |
| "name": "General Catalyst", |
| "website": "https://generalcatalyst.com" |
| }, |
| { |
| "name": "Goodwater Capital", |
| "website": "https://goodwatercap.com" |
| }, |
| { |
| "name": "BAI Capital", |
| "website": "https://baicapital.com" |
| } |
| ] |
| }, |
| { |
| "name": "Fondeadora", |
| "category": "traditional", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "Mexico City, MX", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Yield", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "fondeadora.com", |
| "website": "https://fondeadora.com", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "Mexican digital account.", |
| "licence": "SOFIPO licence (Fondea Technologies S.F.P., CNBV Mexico, ex-Apoyo Múltiple); Prosofipo deposit insurance" |
| }, |
| { |
| "name": "Hey Banco", |
| "category": "traditional", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "Monterrey, MX", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": "Cashback", |
| "yield": "Yield", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "heybanco.com", |
| "website": "https://heybanco.com", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "Banregio's digital bank.", |
| "licence": "Own Mexican banking licence (CNBV banca múltiple); independent of Banregio since Jan 2026" |
| }, |
| { |
| "name": "Cuenca", |
| "category": "traditional", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "Mexico City, MX", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "cuenca.com", |
| "website": "https://cuenca.com", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "Mexican mobile-first account.", |
| "licence": "IFPE licence (CNBV, Mexico, 2021) under Ley Fintech" |
| }, |
| { |
| "name": "RappiPay", |
| "category": "traditional", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "Bogotá, CO", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit + credit", |
| "cashback": "In-app cashback", |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "rappi.com", |
| "website": "https://rappi.com", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "Banking inside the Rappi super-app.", |
| "licence": "Finance company charter (compania de financiamiento, SFC Colombia, 2022); Rappi-Davivienda JV; Fogafin-insured" |
| }, |
| { |
| "name": "Neon", |
| "category": "traditional", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "São Paulo, BR", |
| "founded": 2016, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "Visa", |
| "card_type": "Debit + credit", |
| "cashback": null, |
| "yield": "CDI-linked", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "neon.com.br", |
| "website": "https://neon.com.br", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "Brazilian mass-market neobank.", |
| "ai": "interface", |
| "licence": "Payment institution / e-money issuer authorised by Banco Central do Brasil (2021); Neon CTVM brokerage", |
| "founders": "Pedro Conrade", |
| "funding": "~$700M raised", |
| "investors": [ |
| { |
| "name": "General Atlantic", |
| "website": "https://generalatlantic.com" |
| }, |
| { |
| "name": "BBVA", |
| "website": "https://bbva.com" |
| }, |
| { |
| "name": "Monashees", |
| "website": "https://monashees.com" |
| }, |
| { |
| "name": "BlackRock", |
| "website": "https://blackrock.com" |
| } |
| ] |
| }, |
| { |
| "name": "C6 Bank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "São Paulo, BR", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit + credit", |
| "cashback": "Átomos points", |
| "yield": "CDI-linked", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "c6bank.com.br", |
| "website": "https://c6bank.com.br", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "JPMorgan-backed full digital bank.", |
| "ai": "interface", |
| "licence": "Bank licence (BCB)", |
| "founders": "Marcelo Kalim, Carlos Fonseca (ex-BTG)", |
| "funding": "JPMorgan ~46% owner", |
| "terms_url": "https://www.c6bank.com.br/termos-e-condicoes", |
| "privacy_url": "https://www.c6bank.com.br/politica-de-privacidade", |
| "x_handle": "C6Bank", |
| "countries": [ |
| "Brazil" |
| ], |
| "investors": [ |
| { |
| "name": "JPMorgan Chase", |
| "website": "https://jpmorganchase.com" |
| }, |
| { |
| "name": "GIC", |
| "website": "https://www.gic.com.sg" |
| } |
| ] |
| }, |
| { |
| "name": "Banco Inter", |
| "category": "traditional", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "Belo Horizonte, BR", |
| "founded": 2015, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit + credit", |
| "cashback": "1% (plan)", |
| "yield": "CDI-linked", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "inter.co", |
| "website": "https://inter.co", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "35M+ clients; super-app + US account.", |
| "ai": "interface", |
| "licence": "Bank; Public (INTR)", |
| "privacy_url": "https://inter.co/politica-de-privacidade/", |
| "x_handle": "bancointer", |
| "countries": [ |
| "Brazil", |
| "United States" |
| ], |
| "investors": [ |
| { |
| "name": "SoftBank", |
| "website": "https://softbank.jp" |
| } |
| ], |
| "reported_users": { |
| "value_millions": 35, |
| "metric": "clients", |
| "as_of": "2025" |
| } |
| }, |
| { |
| "name": "PicPay", |
| "category": "traditional", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "São Paulo, BR", |
| "founded": 2012, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit + credit", |
| "cashback": "In-app cashback", |
| "yield": "CDI-linked", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "picpay.com", |
| "website": "https://picpay.com", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "Brazil's largest payments app; crypto + BRL stable rails.", |
| "ai": "interface", |
| "licence": "Payment institution + bank (BCB)", |
| "founders": "Anderson Chamon + J&F group", |
| "privacy_url": "https://picpay.com/politica-de-privacidade", |
| "x_handle": "PicPay", |
| "countries": [ |
| "Brazil" |
| ], |
| "reported_users": { |
| "value_millions": 58, |
| "metric": "users", |
| "as_of": "2024" |
| } |
| }, |
| { |
| "name": "PagBank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "São Paulo, BR", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit + credit", |
| "cashback": null, |
| "yield": "CDI-linked", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "pagbank.com.br", |
| "website": "https://pagbank.com.br", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "PagSeguro's 30M+ user digital bank.", |
| "licence": "Bank; Public (PAGS)", |
| "reported_users": { |
| "value_millions": 32, |
| "metric": "clients", |
| "as_of": "2024" |
| }, |
| "volume": { |
| "figure": "~R$500B (~$93B)", |
| "metric": "TPV · 2024", |
| "source": "PAGS filings" |
| } |
| }, |
| { |
| "name": "Cora", |
| "category": "traditional", |
| "audience": "SMB & startups", |
| "region": "LatAm", |
| "hq": "São Paulo, BR", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "Payment institution", |
| "card_network": "Visa", |
| "card_type": "Business debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "cora.com.br", |
| "website": "https://cora.com.br", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "SMB banking for Brazilian PJs.", |
| "licence": "SCFI licence (Central Bank of Brazil, Jul 2024) + payment institution; formerly SCD", |
| "founders": "Igor Senra, Leo Mendes", |
| "funding": "~$200M raised", |
| "investors": [ |
| { |
| "name": "Greenoaks", |
| "website": "https://greenoaks.com" |
| }, |
| { |
| "name": "Tiger Global", |
| "website": "https://tigerglobal.com" |
| }, |
| { |
| "name": "Kaszek", |
| "website": "https://kaszek.com" |
| }, |
| { |
| "name": "QED Investors", |
| "website": "https://qedinvestors.com" |
| }, |
| { |
| "name": "Ribbit Capital", |
| "website": "https://ribbitcap.com" |
| } |
| ] |
| }, |
| { |
| "name": "NG.cash", |
| "category": "traditional", |
| "audience": "gen z & students", |
| "region": "LatAm", |
| "hq": "Rio de Janeiro, BR", |
| "founded": 2021, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "ng.cash", |
| "website": "https://ng.cash", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "Teen neobank; added crypto features.", |
| "licence": "Payment institution (Banco Central do Brasil, e-money issuer licence, May 2025)" |
| }, |
| { |
| "name": "Naranja X", |
| "category": "traditional", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "Córdoba, AR", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa/MC", |
| "card_type": "Debit + credit", |
| "cashback": null, |
| "yield": "Remunerated account", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "naranjax.com", |
| "website": "https://naranjax.com", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "Argentina's card giant gone digital.", |
| "licence": "Bank (Grupo Galicia)" |
| }, |
| { |
| "name": "Brubank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "Buenos Aires, AR", |
| "founded": 2017, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Remunerated account", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "brubank.com", |
| "website": "https://brubank.com", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "First licensed digital bank in Argentina.", |
| "licence": "Bank licence (BCRA)", |
| "founders": "Juan Bruchou", |
| "investors": [ |
| { |
| "name": "Point72 Ventures", |
| "website": "https://p72.vc" |
| } |
| ] |
| }, |
| { |
| "name": "Prex", |
| "category": "traditional", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "Montevideo, UY", |
| "founded": 2015, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "MC", |
| "card_type": "Prepaid", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "prexcard.com", |
| "website": "https://prexcard.com", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "Regional prepaid (UY/AR/PE).", |
| "licence": "E-money (UY/AR/PE)" |
| }, |
| { |
| "name": "ueno bank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "Asunción, PY", |
| "founded": 2021, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit + credit", |
| "cashback": null, |
| "yield": "Deposits", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "ueno.com.py", |
| "website": "https://ueno.com.py", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "Paraguay's fast-growing digital bank.", |
| "licence": "Bank licence (PY)" |
| }, |
| { |
| "name": "Nequi", |
| "category": "traditional", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "Medellín, CO", |
| "founded": 2016, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "nequi.com.co", |
| "website": "https://nequi.com.co", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "Bancolombia's wallet-bank; 20M+.", |
| "ai": "underwriting", |
| "licence": "Licensed compañía de financiamiento (Superfinanciera Colombia); spun out of Bancolombia's banking licence", |
| "reported_users": { |
| "value_millions": 20, |
| "metric": "users", |
| "as_of": "2024" |
| } |
| }, |
| { |
| "name": "Daviplata", |
| "category": "traditional", |
| "audience": "underbanked", |
| "region": "LatAm", |
| "hq": "Bogotá, CO", |
| "founded": 2011, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "daviplata.com", |
| "website": "https://daviplata.com", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "Davivienda's mass-market wallet; 18M+.", |
| "licence": "Operates under Banco Davivienda's Colombian banking licence (SFC-supervised)" |
| }, |
| { |
| "name": "Movii", |
| "category": "traditional", |
| "audience": "underbanked", |
| "region": "LatAm", |
| "hq": "Bogotá, CO", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "MC", |
| "card_type": "Prepaid", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "movii.com.co", |
| "website": "https://movii.com.co", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "Colombian financial inclusion player.", |
| "licence": "SEDPE e-money licence (Superintendencia Financiera, Colombia)" |
| }, |
| { |
| "name": "Lulo Bank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "Bogotá, CO", |
| "founded": 2021, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Yield account", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "lulobank.com", |
| "website": "https://lulobank.com", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "Colombia's first fully digital licensed bank.", |
| "licence": "Bank licence (CO)" |
| }, |
| { |
| "name": "Tenpo", |
| "category": "traditional", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "Santiago, CL", |
| "founded": 2017, |
| "custody": "Custodial", |
| "regulation_type": "Licence pending (partner model today)", |
| "card_network": "MC", |
| "card_type": "Prepaid + credit", |
| "cashback": "Offers", |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "tenpo.cl", |
| "website": "https://tenpo.cl", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "Chilean neobank; crypto + USDC features.", |
| "licence": "Preparing Chilean bank licence", |
| "founders": "Krealo (Credicorp)", |
| "investors": [ |
| { |
| "name": "Krealo (Credicorp)", |
| "website": "https://grupocredicorp.com" |
| } |
| ] |
| }, |
| { |
| "name": "Global66", |
| "category": "traditional", |
| "audience": "travel & digital nomads", |
| "region": "LatAm", |
| "hq": "Santiago, CL", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Yield (region)", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "global66.com", |
| "website": "https://global66.com", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "Cross-border multicurrency for LatAm.", |
| "licence": "Prepaid-card e-money issuer licence (CMF, Chile); cross-border FX via Global 81 SpA", |
| "founders": "Tomás Bercovich", |
| "funding": "~$65M raised", |
| "investors": [ |
| { |
| "name": "Quona Capital", |
| "website": "https://quona.com" |
| }, |
| { |
| "name": "Magma Partners", |
| "website": "https://magmapartners.com" |
| } |
| ] |
| }, |
| { |
| "name": "Zinli", |
| "category": "traditional", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "Panama City, PA", |
| "founded": 2020, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "Visa", |
| "card_type": "Prepaid", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "zinli.com", |
| "website": "https://zinli.com", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "Digital dollars for Panama + region.", |
| "licence": "Registered e-money issuer (MFTECH S.A.) with Superintendencia de Bancos de Panamá — AML/CFT supervision only" |
| }, |
| { |
| "name": "Qik", |
| "category": "traditional", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "Santo Domingo, DO", |
| "founded": 2021, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": "Cashback", |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "qik.com.do", |
| "website": "https://qik.com.do", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "Dominican Republic's first neobank.", |
| "licence": "Full banking licence (banco múltiple, Dominican Republic, Oct 2022; Grupo Popular)" |
| }, |
| { |
| "name": "KakaoBank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Seongnam, KR", |
| "founded": 2016, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": "Competitive KRW savers", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "kakaobank.com", |
| "website": "https://kakaobank.com", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Korea's messaging-native bank; 23M+.", |
| "story": "Launched from Korea's dominant messenger; 300K accounts in 24 hours, profitable within two years.", |
| "ai": "underwriting", |
| "licence": "Internet-only bank licence (KR)", |
| "founders": "Kakao consortium", |
| "funding": "Public (KRX)", |
| "terms_url": "https://www.kakaobank.com/terms", |
| "x_handle": "kakaobank", |
| "countries": [ |
| "South Korea" |
| ], |
| "reported_users": { |
| "value_millions": 23, |
| "metric": "customers", |
| "as_of": "2024" |
| } |
| }, |
| { |
| "name": "Toss Bank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Seoul, KR", |
| "founded": 2021, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": "Daily-interest account", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "tossbank.com", |
| "website": "https://tossbank.com", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Part of the Toss super-app.", |
| "story": "A dentist-turned-founder failed eight startups before Toss; the bank arm now anchors Korea's super-app.", |
| "ai": "underwriting", |
| "licence": "Internet-only bank licence (KR)", |
| "founders": "Lee Seung-gun (Viva Republica)", |
| "funding": "Viva Republica ~$1.7B raised", |
| "terms_url": "https://www.tossbank.com/terms", |
| "privacy_url": "https://www.tossbank.com/privacy", |
| "x_handle": "toss_bank", |
| "countries": [ |
| "South Korea" |
| ], |
| "investors": [ |
| { |
| "name": "PayPal Ventures", |
| "website": "https://paypal.com" |
| }, |
| { |
| "name": "Kleiner Perkins", |
| "website": "https://kleinerperkins.com" |
| }, |
| { |
| "name": "Altos Ventures", |
| "website": "https://altos.vc" |
| }, |
| { |
| "name": "GIC", |
| "website": "https://www.gic.com.sg" |
| } |
| ] |
| }, |
| { |
| "name": "K bank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Seoul, KR", |
| "founded": 2016, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": "Competitive savers", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "kbanknow.com", |
| "website": "https://kbanknow.com", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Korea's first internet-only bank; Upbit ties.", |
| "story": "Korea's first internet bank; balance sheet supercharged by being Upbit's banking partner.", |
| "licence": "Internet-only bank licence (KT-led)" |
| }, |
| { |
| "name": "WeBank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Shenzhen, CN", |
| "founded": 2014, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "webank.com", |
| "website": "https://webank.com", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Tencent-backed; world's largest digital bank by users.", |
| "story": "The world's largest digital bank: 400M+ customers on Tencent rails.", |
| "ai": "underwriting", |
| "licence": "Private bank licence (CN)", |
| "founders": "Tencent-led consortium", |
| "investors": [ |
| { |
| "name": "Tencent", |
| "website": "https://www.tencent.com" |
| } |
| ], |
| "reported_users": { |
| "value_millions": 400, |
| "metric": "customers", |
| "as_of": "2024" |
| } |
| }, |
| { |
| "name": "MYbank", |
| "category": "traditional", |
| "audience": "SMB & startups", |
| "region": "Asia", |
| "hq": "Hangzhou, CN", |
| "founded": 2015, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "mybank.cn", |
| "website": "https://mybank.cn", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Ant Group's SME digital bank.", |
| "ai": "underwriting", |
| "licence": "Private bank licence (CN)", |
| "founders": "Ant Group-led", |
| "investors": [ |
| { |
| "name": "Ant Group", |
| "website": "https://antgroup.com" |
| } |
| ] |
| }, |
| { |
| "name": "Jupiter", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Mumbai, IN", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": "1%", |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "jupiter.money", |
| "website": "https://jupiter.money", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Indian neobank on Federal Bank rails.", |
| "licence": "Partner bank (Federal Bank); RBI PPI licence via parent Amica Financial Technologies", |
| "founders": "Jitendra Gupta", |
| "funding": "~$160M raised", |
| "terms_url": "https://jupiter.money/terms-and-conditions/", |
| "privacy_url": "https://jupiter.money/privacy-policy/", |
| "x_handle": "JupiterMoneyApp", |
| "countries": [ |
| "India" |
| ], |
| "investors": [ |
| { |
| "name": "Peak XV Partners", |
| "website": "https://peakxv.com" |
| }, |
| { |
| "name": "Z47 (Matrix India)", |
| "website": "https://z47.com" |
| }, |
| { |
| "name": "Tiger Global", |
| "website": "https://tigerglobal.com" |
| }, |
| { |
| "name": "QED Investors", |
| "website": "https://qedinvestors.com" |
| } |
| ] |
| }, |
| { |
| "name": "Niyo", |
| "category": "traditional", |
| "audience": "travel & digital nomads", |
| "region": "Asia", |
| "hq": "Bengaluru, IN", |
| "founded": 2015, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Debit + forex", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "goniyo.com", |
| "website": "https://goniyo.com", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Zero-forex travel banking for Indians.", |
| "licence": "Partner banks (SBM Bank India, DCB Bank) — RBI-regulated issuers; no own licence", |
| "founders": "Vinay Bagri, Virender Bisht", |
| "funding": "~$180M raised", |
| "investors": [ |
| { |
| "name": "Accel", |
| "website": "https://accel.com" |
| }, |
| { |
| "name": "Prime Venture Partners", |
| "website": "https://primevp.in" |
| }, |
| { |
| "name": "Tencent", |
| "website": "https://www.tencent.com" |
| }, |
| { |
| "name": "Lightrock", |
| "website": "https://lightrock.com" |
| } |
| ] |
| }, |
| { |
| "name": "slice", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Bengaluru, IN", |
| "founded": 2016, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Card + UPI", |
| "cashback": "Up to 2%", |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "sliceit.com", |
| "website": "https://sliceit.com", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Merged with a small finance bank.", |
| "story": "Card-first startup that pulled off the rare feat of merging into a licensed Indian bank.", |
| "ai": "underwriting", |
| "licence": "Small finance bank (via NESFB merger)", |
| "founders": "Rajan Bajaj", |
| "funding": "~$340M raised", |
| "investors": [ |
| { |
| "name": "Tiger Global", |
| "website": "https://tigerglobal.com" |
| }, |
| { |
| "name": "Insight Partners", |
| "website": "https://insightpartners.com" |
| }, |
| { |
| "name": "Blume Ventures", |
| "website": "https://blume.vc" |
| } |
| ] |
| }, |
| { |
| "name": "Freo", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Bengaluru, IN", |
| "founded": 2015, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "MC", |
| "card_type": "Card + savings", |
| "cashback": "Rewards", |
| "yield": "Savings", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "freo.money", |
| "website": "https://freo.money", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Credit-led Indian neobank.", |
| "ai": "underwriting", |
| "licence": "In-house RBI-licensed NBFC; savings and accounts via partner banks (Equitas, Yes Bank)" |
| }, |
| { |
| "name": "Open", |
| "category": "traditional", |
| "audience": "SMB & startups", |
| "region": "Asia", |
| "hq": "Bengaluru, IN", |
| "founded": 2017, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Business", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "open.money", |
| "website": "https://open.money", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "SME neobanking platform; 3M+ businesses.", |
| "licence": "Partner banks (ICICI, Axis, Yes Bank +); RBI-licensed payment aggregator", |
| "founders": "Anish Achuthan + 3", |
| "funding": "~$190M raised", |
| "investors": [ |
| { |
| "name": "Temasek", |
| "website": "https://temasek.com.sg" |
| }, |
| { |
| "name": "Tiger Global", |
| "website": "https://tigerglobal.com" |
| }, |
| { |
| "name": "3one4 Capital", |
| "website": "https://3one4capital.com" |
| }, |
| { |
| "name": "IIFL", |
| "website": "https://iifl.com" |
| } |
| ] |
| }, |
| { |
| "name": "RazorpayX", |
| "category": "traditional", |
| "audience": "SMB & startups", |
| "region": "Asia", |
| "hq": "Bengaluru, IN", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Business", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "razorpay.com", |
| "website": "https://razorpay.com", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Business banking inside Razorpay.", |
| "licence": "Partner banks (RBL, ICICI, Yes, Axis, IDFC First); Razorpay holds RBI payment aggregator licence", |
| "investors": [ |
| { |
| "name": "Peak XV Partners", |
| "website": "https://peakxv.com" |
| }, |
| { |
| "name": "Tiger Global", |
| "website": "https://tigerglobal.com" |
| }, |
| { |
| "name": "GIC", |
| "website": "https://www.gic.com.sg" |
| }, |
| { |
| "name": "Ribbit Capital", |
| "website": "https://ribbitcap.com" |
| }, |
| { |
| "name": "Y Combinator", |
| "website": "https://ycombinator.com" |
| } |
| ] |
| }, |
| { |
| "name": "FamPay", |
| "category": "traditional", |
| "audience": "gen z & students", |
| "region": "Asia", |
| "hq": "Bengaluru, IN", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "RuPay", |
| "card_type": "Prepaid", |
| "cashback": "Rewards", |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "fampay.in", |
| "website": "https://fampay.in", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "India's teen payments app.", |
| "licence": "Partner bank (IDFC FIRST Bank) — co-branded RBI prepaid payment instruments; RuPay/Visa cards", |
| "founders": "Sambhav Jain, Kush Taneja", |
| "funding": "~$42M raised", |
| "terms_url": "https://fampay.in/terms", |
| "privacy_url": "https://fampay.in/privacy", |
| "x_handle": "FamPayHQ", |
| "countries": [ |
| "India" |
| ], |
| "investors": [ |
| { |
| "name": "Elevation Capital", |
| "website": "https://elevationcapital.com" |
| }, |
| { |
| "name": "Y Combinator", |
| "website": "https://ycombinator.com" |
| }, |
| { |
| "name": "Peak XV Partners", |
| "website": "https://peakxv.com" |
| }, |
| { |
| "name": "General Catalyst", |
| "website": "https://generalcatalyst.com" |
| } |
| ] |
| }, |
| { |
| "name": "Mahila Money", |
| "category": "traditional", |
| "audience": "women", |
| "region": "Asia", |
| "hq": "Delhi, IN", |
| "founded": 2021, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "RuPay", |
| "card_type": "Prepaid + loans", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "mahila.money", |
| "website": "https://mahila.money", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Neobank for Indian women entrepreneurs.", |
| "story": "From the SHEROES women's community to credit and accounts for women entrepreneurs in Bharat.", |
| "licence": "No own licence; lends on RBI-licensed NBFC partners' rails (Capital Trade Links, RupeeCircle)", |
| "founders": "Sairee Chahal" |
| }, |
| { |
| "name": "Airtel Payments Bank", |
| "category": "traditional", |
| "audience": "underbanked", |
| "region": "Asia", |
| "hq": "Delhi, IN", |
| "founded": 2017, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Interest on wallet", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "airtel.in", |
| "website": "https://airtel.in", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Telco-led payments bank.", |
| "licence": "Payments bank licence (RBI)" |
| }, |
| { |
| "name": "Jio Payments Bank", |
| "category": "traditional", |
| "audience": "underbanked", |
| "region": "Asia", |
| "hq": "Mumbai, IN", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "RuPay", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "jiopaymentsbank.com", |
| "website": "https://jiopaymentsbank.com", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Reliance's payments bank.", |
| "licence": "Payments bank licence (RBI)" |
| }, |
| { |
| "name": "SadaPay", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Karachi, PK", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "sadapay.pk", |
| "website": "https://sadapay.pk", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Pakistan's design-led neobank.", |
| "licence": "E-money institution (EMI) licence from State Bank of Pakistan; owned by Papara", |
| "founders": "Brandon Timinsky", |
| "funding": "~$20M; acquired by Papara", |
| "terms_url": "https://sadapay.pk/terms-of-service/", |
| "privacy_url": "https://sadapay.pk/privacy-policy/", |
| "x_handle": "sadapay", |
| "countries": [ |
| "Pakistan" |
| ], |
| "investors": [ |
| { |
| "name": "Recharge Capital", |
| "website": "https://rechargecapital.com" |
| } |
| ] |
| }, |
| { |
| "name": "NayaPay", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Karachi, PK", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "nayapay.com", |
| "website": "https://nayapay.com", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Pakistani money app + SMB rails.", |
| "licence": "E-money institution (State Bank of Pakistan EMI licence, 2021)", |
| "founders": "Danish Lakhani", |
| "funding": "~$13M raised", |
| "terms_url": "https://www.nayapay.com/terms", |
| "privacy_url": "https://www.nayapay.com/privacy", |
| "x_handle": "NayaPayInc", |
| "countries": [ |
| "Pakistan" |
| ] |
| }, |
| { |
| "name": "Oraan", |
| "category": "traditional", |
| "audience": "women", |
| "region": "Asia", |
| "hq": "Karachi, PK", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "Other / mixed", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": "Committee-based savings", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "oraan.com", |
| "website": "https://oraan.com", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Women-first fintech digitizing ROSCAs.", |
| "story": "Digitized Pakistan's women-led savings committees (ROSCAs) into a regulated product.", |
| "licence": "SECP-registered; NBFC (non-bank finance company) licence from SECP Pakistan for lending; digital ROSCAs", |
| "founders": "Halima Iqbal, Farwah Tapal" |
| }, |
| { |
| "name": "bKash", |
| "category": "traditional", |
| "audience": "underbanked", |
| "region": "Asia", |
| "hq": "Dhaka, BD", |
| "founded": 2011, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "bkash.com", |
| "website": "https://bkash.com", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Bangladesh's mobile money giant; 70M+.", |
| "story": "'bKash me' is a verb in Bangladesh: 70M users, the reference case for mobile money outside Africa.", |
| "ai": "underwriting", |
| "licence": "MFS licence (Bangladesh Bank)", |
| "founders": "Kamal Quadir", |
| "funding": "Ant + SoftBank-backed", |
| "terms_url": "https://www.bkash.com/en/terms-and-conditions", |
| "privacy_url": "https://www.bkash.com/en/privacy-policy", |
| "x_handle": "bKashLimited", |
| "countries": [ |
| "Bangladesh" |
| ], |
| "investors": [ |
| { |
| "name": "SoftBank", |
| "website": "https://softbank.jp" |
| }, |
| { |
| "name": "Ant Group", |
| "website": "https://antgroup.com" |
| }, |
| { |
| "name": "IFC", |
| "website": "https://ifc.org" |
| }, |
| { |
| "name": "Gates Foundation", |
| "website": "https://gatesfoundation.org" |
| } |
| ], |
| "reported_users": { |
| "value_millions": 70, |
| "metric": "users", |
| "as_of": "2024" |
| } |
| }, |
| { |
| "name": "Nagad", |
| "category": "traditional", |
| "audience": "underbanked", |
| "region": "Asia", |
| "hq": "Dhaka, BD", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "nagad.com.bd", |
| "website": "https://nagad.com.bd", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Postal-linked mobile money.", |
| "licence": "Mobile money licence (Bangladesh Bank MFS, with Bangladesh Post Office); 2024 digital-bank licence under review" |
| }, |
| { |
| "name": "GXS Bank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Singapore, SG", |
| "founded": 2022, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": "Daily interest pockets", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "gxs.com.sg", |
| "website": "https://gxs.com.sg", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Grab + Singtel digital bank.", |
| "ai": "underwriting", |
| "licence": "Digital full bank (MAS)", |
| "terms_url": "https://www.gxs.com.sg/terms-of-use", |
| "x_handle": "gxsbank", |
| "countries": [ |
| "Singapore" |
| ] |
| }, |
| { |
| "name": "MariBank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Singapore, SG", |
| "founded": 2022, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": "Daily interest", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "maribank.sg", |
| "website": "https://maribank.sg", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Sea Group's digital bank.", |
| "ai": "underwriting", |
| "licence": "Digital full bank (MAS)" |
| }, |
| { |
| "name": "Trust Bank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Singapore, SG", |
| "founded": 2022, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit + credit", |
| "cashback": "Linkpoints", |
| "yield": "Competitive savers", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "trustbank.sg", |
| "website": "https://trustbank.sg", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "StanChart + FairPrice; 1M+ users.", |
| "licence": "Bank (StanChart x FairPrice)" |
| }, |
| { |
| "name": "ANEXT Bank", |
| "category": "traditional", |
| "audience": "SMB & startups", |
| "region": "Asia", |
| "hq": "Singapore, SG", |
| "founded": 2022, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "anext.com.sg", |
| "website": "https://anext.com.sg", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Ant-backed SME wholesale digital bank.", |
| "ai": "underwriting", |
| "licence": "Digital wholesale bank (MAS)" |
| }, |
| { |
| "name": "Tonik", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Manila, PH", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Up to 6% time deposits", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "tonikbank.com", |
| "website": "https://tonikbank.com", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "First PH neobank licence.", |
| "ai": "underwriting", |
| "licence": "PH digital bank licence", |
| "founders": "Greg Krasnov", |
| "funding": "~$140M+ raised", |
| "terms_url": "https://tonikbank.com/terms-conditions", |
| "privacy_url": "https://tonikbank.com/privacy-policy", |
| "x_handle": "TonikBankPH", |
| "countries": [ |
| "Philippines" |
| ], |
| "investors": [ |
| { |
| "name": "Peak XV Partners", |
| "website": "https://peakxv.com" |
| }, |
| { |
| "name": "Point72 Ventures", |
| "website": "https://p72.vc" |
| }, |
| { |
| "name": "Mizuho", |
| "website": "https://mizuhogroup.com" |
| }, |
| { |
| "name": "Prosus Ventures", |
| "website": "https://prosus.com" |
| } |
| ] |
| }, |
| { |
| "name": "Maya", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Manila, PH", |
| "founded": 2022, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": "Missions", |
| "yield": "Up to ~10% promo savings", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "maya.ph", |
| "website": "https://maya.ph", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "PH super-app; regulated custodial crypto.", |
| "ai": "underwriting", |
| "licence": "PH digital bank + EMI + VASP", |
| "founders": "PLDT/Voyager (Orlando Vea)", |
| "funding": "~$300M+ raised", |
| "terms_url": "https://www.maya.ph/terms-and-conditions", |
| "privacy_url": "https://www.maya.ph/privacy", |
| "x_handle": "mayaiseverything", |
| "countries": [ |
| "Philippines" |
| ], |
| "investors": [ |
| { |
| "name": "PLDT", |
| "website": "https://pldt.com" |
| }, |
| { |
| "name": "KKR", |
| "website": "https://kkr.com" |
| }, |
| { |
| "name": "Tencent", |
| "website": "https://www.tencent.com" |
| }, |
| { |
| "name": "IFC", |
| "website": "https://ifc.org" |
| } |
| ], |
| "reported_users": { |
| "value_millions": 30, |
| "metric": "users", |
| "as_of": "2024" |
| } |
| }, |
| { |
| "name": "GoTyme Bank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Manila, PH", |
| "founded": 2022, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": "Rewards", |
| "yield": "~4-5% savings", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "gotyme.com.ph", |
| "website": "https://gotyme.com.ph", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Tyme + Gokongwei; kiosk onboarding.", |
| "licence": "PH digital bank licence (Tyme x Gokongwei)" |
| }, |
| { |
| "name": "UnionDigital", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Manila, PH", |
| "founded": 2022, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": "Deposits", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "uniondigitalbank.io", |
| "website": "https://uniondigitalbank.io", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "UnionBank's digital-bank arm.", |
| "licence": "PH digital bank licence" |
| }, |
| { |
| "name": "UNO Digital Bank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Manila, PH", |
| "founded": 2021, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "High-yield savers", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "uno.bank", |
| "website": "https://uno.bank", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Full-spectrum PH digital bank.", |
| "ai": "underwriting", |
| "licence": "PH digital bank licence" |
| }, |
| { |
| "name": "Bank Jago", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Jakarta, ID", |
| "founded": 2020, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Yield pockets", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "jago.com", |
| "website": "https://jago.com", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "GoTo-ecosystem digital bank.", |
| "licence": "Bank (OJK); GoTo ecosystem" |
| }, |
| { |
| "name": "SeaBank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Jakarta, ID", |
| "founded": 2021, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": "Daily interest", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "seabank.co.id", |
| "website": "https://seabank.co.id", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Sea Group's Indonesian bank; Shopee-linked.", |
| "ai": "underwriting", |
| "licence": "Bank (OJK); Sea Group" |
| }, |
| { |
| "name": "Blu by BCA", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Jakarta, ID", |
| "founded": 2021, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Savers", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "blubybcadigital.co.id", |
| "website": "https://blubybcadigital.co.id", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "BCA's digital-native brand.", |
| "licence": "Bank (BCA Digital)" |
| }, |
| { |
| "name": "Allo Bank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Jakarta, ID", |
| "founded": 2021, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Savers", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "allobank.com", |
| "website": "https://allobank.com", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "CT Corp's digital bank.", |
| "licence": "Bank (OJK); CT Corp" |
| }, |
| { |
| "name": "Superbank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Jakarta, ID", |
| "founded": 2023, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": "Competitive savers", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "superbank.id", |
| "website": "https://superbank.id", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Grab/Emtek/Singtel-backed.", |
| "ai": "underwriting", |
| "licence": "Bank (OJK); Grab/Emtek/Singtel", |
| "investors": [ |
| { |
| "name": "Grab", |
| "website": "https://grab.com" |
| }, |
| { |
| "name": "Singtel", |
| "website": "https://singtel.com" |
| }, |
| { |
| "name": "Emtek", |
| "website": "https://emtek.co.id" |
| }, |
| { |
| "name": "KakaoBank", |
| "website": "https://kakaobank.com" |
| } |
| ] |
| }, |
| { |
| "name": "Jenius", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Jakarta, ID", |
| "founded": 2016, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Flexi saver", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "jenius.com", |
| "website": "https://jenius.com", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "BTPN's pioneer digital bank.", |
| "licence": "Bank (BTPN/SMBC)" |
| }, |
| { |
| "name": "LINE BK", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Bangkok, TH", |
| "founded": 2020, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Special-rate savers", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "linebk.com", |
| "website": "https://linebk.com", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "LINE x KBank social banking.", |
| "licence": "JV on KBank licence" |
| }, |
| { |
| "name": "Timo", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Ho Chi Minh, VN", |
| "founded": 2015, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Goal savers", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "timo.vn", |
| "website": "https://timo.vn", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Vietnam's first digital bank brand.", |
| "licence": "Partner: Ban Viet Bank" |
| }, |
| { |
| "name": "Cake", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Ho Chi Minh, VN", |
| "founded": 2021, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": "Cashback", |
| "yield": "Competitive savers", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "cake.vn", |
| "website": "https://cake.vn", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "VPBank + Be Group; 5M+ users.", |
| "story": "Digital bank inside Vietnam's ride-hailing app Be; 5M users in four years.", |
| "ai": "underwriting", |
| "licence": "Partner: VPBank", |
| "founders": "Be Group x VPBank" |
| }, |
| { |
| "name": "TNEX", |
| "category": "traditional", |
| "audience": "gen z & students", |
| "region": "Asia", |
| "hq": "Hanoi, VN", |
| "founded": 2020, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "tnex.com.vn", |
| "website": "https://tnex.com.vn", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "MSB's Gen-Z digital bank.", |
| "licence": "Operates under Maritime Bank's (Vietnam) banking licence as its digital bank" |
| }, |
| { |
| "name": "GXBank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Kuala Lumpur, MY", |
| "founded": 2023, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Daily interest", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "gxbank.my", |
| "website": "https://gxbank.my", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Grab-led; Malaysia's first digital bank live.", |
| "licence": "Digital bank licence (BNM); Grab-led" |
| }, |
| { |
| "name": "AEON Bank", |
| "category": "traditional", |
| "audience": "faith-based", |
| "region": "Asia", |
| "hq": "Kuala Lumpur, MY", |
| "founded": 2023, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": "AEON points", |
| "yield": "Islamic savers", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "aeonbank.com.my", |
| "website": "https://aeonbank.com.my", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Malaysia's first Islamic digital bank.", |
| "licence": "Islamic digital bank licence (BNM)" |
| }, |
| { |
| "name": "Boost Bank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Kuala Lumpur, MY", |
| "founded": 2024, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": "Daily interest", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "myboost.co", |
| "website": "https://myboost.co", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Axiata's digital bank.", |
| "licence": "Digital bank licence (BNM); Axiata" |
| }, |
| { |
| "name": "Ryt Bank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Kuala Lumpur, MY", |
| "founded": 2025, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": "Savers", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "rytbank.my", |
| "website": "https://rytbank.my", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "YTL+Sea AI-first digital bank.", |
| "story": "Malaysia's AI-first bank: an LLM assistant as the primary interface.", |
| "ai": "interface", |
| "licence": "Digital bank licence (BNM)", |
| "founders": "YTL x Sea" |
| }, |
| { |
| "name": "PayPay Bank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Tokyo, JP", |
| "founded": 2000, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": "PayPay points", |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "paypay-bank.co.jp", |
| "website": "https://paypay-bank.co.jp", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "SoftBank ecosystem bank (ex-Japan Net Bank).", |
| "licence": "Bank (JP); SoftBank ecosystem" |
| }, |
| { |
| "name": "Minna Bank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Fukuoka, JP", |
| "founded": 2021, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "minna-bank.co.jp", |
| "website": "https://minna-bank.co.jp", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Japan's first digital-native bank.", |
| "story": "Japan's first digital-native bank, built cloud-first.", |
| "licence": "Bank licence (JP)", |
| "founders": "Fukuoka FG" |
| }, |
| { |
| "name": "Rakuten Bank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Tokyo, JP", |
| "founded": 2001, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa/MC", |
| "card_type": "Debit", |
| "cashback": "Rakuten points", |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "rakuten-bank.co.jp", |
| "website": "https://rakuten-bank.co.jp", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Japan's largest online bank; 15M+.", |
| "ai": "underwriting", |
| "licence": "Bank; Public (JP)" |
| }, |
| { |
| "name": "LINE Bank TW", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Taipei, TW", |
| "founded": 2021, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": "Points", |
| "yield": "Savers", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "linebank.com.tw", |
| "website": "https://linebank.com.tw", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Taiwan's messenger-native bank.", |
| "licence": "Virtual bank licence (TW FSC)" |
| }, |
| { |
| "name": "NEXT Bank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Taipei, TW", |
| "founded": 2022, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": "Savers", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "nextbank.com.tw", |
| "website": "https://nextbank.com.tw", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Taiwan virtual bank (Chunghwa-led).", |
| "licence": "Virtual bank licence (TW FSC)" |
| }, |
| { |
| "name": "ZA Bank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Hong Kong, HK", |
| "founded": 2020, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": "Rewards", |
| "yield": "HKD/USD savers", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "za.group", |
| "website": "https://za.group", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "First HK virtual bank; retail crypto trading + stablecoin-issuer banking.", |
| "story": "First Hong Kong virtual bank live; first to open retail crypto trading and to bank stablecoin issuers.", |
| "licence": "HK virtual bank; SFC-aligned crypto services", |
| "founders": "ZhongAn Online", |
| "terms_url": "https://bank.za.group/en/terms", |
| "privacy_url": "https://bank.za.group/en/privacy", |
| "x_handle": "zabankhk", |
| "countries": [ |
| "Hong Kong" |
| ] |
| }, |
| { |
| "name": "Mox Bank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Hong Kong, HK", |
| "founded": 2020, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit + credit", |
| "cashback": "CashBack", |
| "yield": "Savers", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "mox.com", |
| "website": "https://mox.com", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Standard Chartered's HK virtual bank.", |
| "licence": "HK virtual bank (StanChart JV)" |
| }, |
| { |
| "name": "WeLab Bank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Hong Kong, HK", |
| "founded": 2020, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": "Rewards", |
| "yield": "Time deposits", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "welab.bank", |
| "website": "https://welab.bank", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Homegrown HK virtual bank.", |
| "ai": "underwriting", |
| "licence": "HK virtual bank", |
| "founders": "Simon Loong", |
| "investors": [ |
| { |
| "name": "Sequoia Capital", |
| "website": "https://sequoiacap.com" |
| }, |
| { |
| "name": "Alibaba Entrepreneurs Fund", |
| "website": "https://ent-fund.org" |
| } |
| ] |
| }, |
| { |
| "name": "Up", |
| "category": "traditional", |
| "audience": "general", |
| "region": "ANZ", |
| "hq": "Melbourne, AU", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "~4% savers (conditions)", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "up.com.au", |
| "website": "https://up.com.au", |
| "active_regions": [ |
| "Oceania" |
| ], |
| "note": "Design-led neobank (Bendigo-backed).", |
| "story": "Built by a tiny Melbourne studio; consistently Australia's most-loved banking app.", |
| "licence": "On Bendigo & Adelaide Bank licence", |
| "founders": "Ferocia (Dom Pym, Grant Thomas)", |
| "terms_url": "https://up.com.au/terms/", |
| "privacy_url": "https://up.com.au/privacy/", |
| "x_handle": "upbanking", |
| "countries": [ |
| "Australia" |
| ] |
| }, |
| { |
| "name": "Judo Bank", |
| "category": "traditional", |
| "audience": "SMB & startups", |
| "region": "ANZ", |
| "hq": "Melbourne, AU", |
| "founded": 2016, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": "Competitive TDs", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "judo.bank", |
| "website": "https://judo.bank", |
| "active_regions": [ |
| "Oceania" |
| ], |
| "note": "Australian SME challenger.", |
| "licence": "ADI licence", |
| "funding": "Public (JDO)" |
| }, |
| { |
| "name": "Hnry", |
| "category": "traditional", |
| "audience": "freelancers & creators", |
| "region": "ANZ", |
| "hq": "Wellington, NZ", |
| "founded": 2017, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "MC", |
| "card_type": "Business debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "hnry.co.nz", |
| "website": "https://hnry.co.nz", |
| "active_regions": [ |
| "Oceania" |
| ], |
| "note": "Tax + banking for sole traders (NZ/AU).", |
| "story": "Flat-fee 'never think about tax again' banking for NZ/AU sole traders.", |
| "licence": "Partner bank (ASB in NZ; Monoova/Cuscal in AU); registered tax agent, client accounts in own name", |
| "founders": "James Fuller, Claire Fuller", |
| "funding": "~A$70M raised", |
| "privacy_url": "https://hnry.co.nz/privacy", |
| "x_handle": "hnry_nz", |
| "countries": [ |
| "New Zealand", |
| "Australia" |
| ], |
| "investors": [ |
| { |
| "name": "Left Lane Capital", |
| "website": "https://leftlane.com" |
| }, |
| { |
| "name": "AirTree Ventures", |
| "website": "https://airtree.vc" |
| }, |
| { |
| "name": "Icehouse Ventures", |
| "website": "https://icehouseventures.co.nz" |
| } |
| ] |
| }, |
| { |
| "name": "TymeBank", |
| "category": "traditional", |
| "audience": "underbanked", |
| "region": "Africa", |
| "hq": "Johannesburg, ZA", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": "Smart Shopper", |
| "yield": "Up to ~10% GoalSave", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "tymebank.co.za", |
| "website": "https://tymebank.co.za", |
| "active_regions": [ |
| "Africa" |
| ], |
| "note": "10M+ customers; kiosk onboarding; unicorn.", |
| "story": "Kiosk onboarding inside Pick n Pay stores cracked mass-market South African banking; now exporting the model to Asia.", |
| "licence": "SA banking licence", |
| "founders": "Coen Jonker + team", |
| "funding": "~$400M; unicorn (2024)", |
| "terms_url": "https://www.tymebank.co.za/legal/", |
| "privacy_url": "https://www.tymebank.co.za/legal/privacy-policy/", |
| "x_handle": "TymeBankZA", |
| "countries": [ |
| "South Africa" |
| ], |
| "investors": [ |
| { |
| "name": "Tencent", |
| "website": "https://www.tencent.com" |
| }, |
| { |
| "name": "Apis Partners", |
| "website": "https://apis.pe" |
| }, |
| { |
| "name": "Nubank", |
| "website": "https://nubank.com.br" |
| }, |
| { |
| "name": "Norrsken22", |
| "website": "https://norrsken22.com" |
| }, |
| { |
| "name": "British International Investment", |
| "website": "https://bii.co.uk" |
| } |
| ], |
| "reported_users": { |
| "value_millions": 10, |
| "metric": "customers", |
| "as_of": "2024" |
| } |
| }, |
| { |
| "name": "Bank Zero", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Africa", |
| "hq": "Johannesburg, ZA", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "bankzero.co.za", |
| "website": "https://bankzero.co.za", |
| "active_regions": [ |
| "Africa" |
| ], |
| "note": "Mutual-model app-only bank.", |
| "story": "Ex-FNB CEO's zero-fee mutual bank built on its own core stack.", |
| "licence": "Mutual bank licence (SA)", |
| "founders": "Michael Jordaan, Yatin Narsai" |
| }, |
| { |
| "name": "Discovery Bank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Africa", |
| "hq": "Johannesburg, ZA", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit + credit", |
| "cashback": "Vitality rewards", |
| "yield": "Dynamic rates", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "discovery.co.za", |
| "website": "https://discovery.co.za", |
| "active_regions": [ |
| "Africa" |
| ], |
| "note": "Behavioural 'shared-value' digital bank.", |
| "ai": "interface", |
| "licence": "SA banking licence" |
| }, |
| { |
| "name": "Kuda", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Africa", |
| "hq": "Lagos, NG", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Annual interest", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "kuda.com", |
| "website": "https://kuda.com", |
| "active_regions": [ |
| "Africa" |
| ], |
| "note": "'Bank of the free'; NG + UK remittance.", |
| "story": "'The bank of the free' — Nigeria's most-funded consumer neobank, now bridging NG↔UK remittance.", |
| "licence": "Microfinance bank (NG)", |
| "founders": "Babs Ogundeyi, Musty Mustapha", |
| "funding": "~$90M raised", |
| "terms_url": "https://kuda.com/en-ng/legal/", |
| "privacy_url": "https://kuda.com/en-ng/legal/privacy-policy/", |
| "x_handle": "joinkuda", |
| "countries": [ |
| "Nigeria", |
| "United Kingdom" |
| ], |
| "investors": [ |
| { |
| "name": "Valar Ventures", |
| "website": "https://valar.com" |
| }, |
| { |
| "name": "Target Global", |
| "website": "https://targetglobal.vc" |
| }, |
| { |
| "name": "SBI Group", |
| "website": "https://www.sbigroup.co.jp" |
| } |
| ] |
| }, |
| { |
| "name": "OPay", |
| "category": "traditional", |
| "audience": "underbanked", |
| "region": "Africa", |
| "hq": "Lagos, NG", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "Payment institution", |
| "card_network": "Verve/MC", |
| "card_type": "Debit", |
| "cashback": "Offers", |
| "yield": "Daily interest (Owealth)", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "opayweb.com", |
| "website": "https://opayweb.com", |
| "active_regions": [ |
| "Africa" |
| ], |
| "note": "60M+ users; agent-network powerhouse.", |
| "story": "Opera's super-app bet on Nigeria; 60M users via a massive street-agent network.", |
| "licence": "Payment licences (NG)", |
| "founders": "Yahui Zhou (Opera)", |
| "funding": "~$570M raised", |
| "terms_url": "https://www.opayweb.com/terms", |
| "privacy_url": "https://www.opayweb.com/privacy", |
| "x_handle": "OPay_NG", |
| "countries": [ |
| "Nigeria", |
| "Egypt" |
| ], |
| "investors": [ |
| { |
| "name": "SoftBank", |
| "website": "https://softbank.jp" |
| }, |
| { |
| "name": "HongShan", |
| "website": "https://hongshan.com" |
| }, |
| { |
| "name": "Source Code Capital", |
| "website": "https://sourcecodecap.com" |
| } |
| ], |
| "reported_users": { |
| "value_millions": 60, |
| "metric": "users", |
| "as_of": "2024" |
| }, |
| "volume": { |
| "figure": "~$100B+", |
| "metric": "TPV · 2024", |
| "source": "company PRs" |
| } |
| }, |
| { |
| "name": "PalmPay", |
| "category": "traditional", |
| "audience": "underbanked", |
| "region": "Africa", |
| "hq": "Lagos, NG", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "Payment institution", |
| "card_network": "Verve/MC", |
| "card_type": "Debit", |
| "cashback": "Offers", |
| "yield": "Daily interest", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "palmpay.com", |
| "website": "https://palmpay.com", |
| "active_regions": [ |
| "Africa" |
| ], |
| "note": "35M+ users; Transsion-backed.", |
| "ai": "underwriting", |
| "licence": "Mobile money licence (NG)", |
| "founders": "Transsion-backed team", |
| "terms_url": "https://www.palmpay.com/terms", |
| "privacy_url": "https://www.palmpay.com/privacy", |
| "x_handle": "PalmPay_ng", |
| "countries": [ |
| "Nigeria", |
| "Ghana", |
| "Tanzania", |
| "Kenya" |
| ], |
| "investors": [ |
| { |
| "name": "Transsion", |
| "website": "https://www.transsion.com" |
| }, |
| { |
| "name": "NetEase", |
| "website": "https://www.netease.com" |
| } |
| ], |
| "reported_users": { |
| "value_millions": 35, |
| "metric": "users", |
| "as_of": "2025" |
| } |
| }, |
| { |
| "name": "Moniepoint", |
| "category": "traditional", |
| "audience": "SMB & startups", |
| "region": "Africa", |
| "hq": "Lagos, NG", |
| "founded": 2015, |
| "custody": "Custodial", |
| "regulation_type": "Other / mixed", |
| "card_network": "Verve/MC", |
| "card_type": "Business + personal", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "moniepoint.com", |
| "website": "https://moniepoint.com", |
| "active_regions": [ |
| "Africa" |
| ], |
| "note": "SME banking unicorn.", |
| "story": "Started as agent-banking infrastructure, became the bank behind millions of Nigerian small businesses.", |
| "ai": "underwriting", |
| "licence": "MFB + switching licences (NG)", |
| "founders": "Tosin Eniolorunda, Felix Ike", |
| "funding": "~$180M+; unicorn", |
| "privacy_url": "https://moniepoint.com/privacy-policy", |
| "x_handle": "moniepoint", |
| "countries": [ |
| "Nigeria", |
| "Kenya" |
| ], |
| "investors": [ |
| { |
| "name": "Oui Capital", |
| "website": "https://ouicapital.vc" |
| }, |
| { |
| "name": "QED Investors", |
| "website": "https://qedinvestors.com" |
| }, |
| { |
| "name": "Development Partners International", |
| "website": "https://dpi-llp.com" |
| }, |
| { |
| "name": "Google (Africa Investment Fund)", |
| "website": "https://google.com" |
| }, |
| { |
| "name": "Lightrock", |
| "website": "https://lightrock.com" |
| }, |
| { |
| "name": "Visa", |
| "website": "https://visa.com" |
| } |
| ] |
| }, |
| { |
| "name": "FairMoney", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Africa", |
| "hq": "Lagos, NG", |
| "founded": 2017, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": "High NGN fixed savers", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "fairmoney.io", |
| "website": "https://fairmoney.io", |
| "active_regions": [ |
| "Africa" |
| ], |
| "note": "Credit-led Nigerian neobank.", |
| "ai": "underwriting", |
| "licence": "Microfinance bank (NG)", |
| "founders": "Laurin Hainy, Matthieu Gendreau, Nicolas Berthozat", |
| "investors": [ |
| { |
| "name": "Tiger Global", |
| "website": "https://tigerglobal.com" |
| }, |
| { |
| "name": "Flourish Ventures", |
| "website": "https://flourishventures.com" |
| }, |
| { |
| "name": "Speedinvest", |
| "website": "https://speedinvest.com" |
| } |
| ] |
| }, |
| { |
| "name": "Carbon", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Africa", |
| "hq": "Lagos, NG", |
| "founded": 2012, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Fixed savings", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "getcarbon.co", |
| "website": "https://getcarbon.co", |
| "active_regions": [ |
| "Africa" |
| ], |
| "note": "Lending-first digital bank.", |
| "ai": "underwriting", |
| "licence": "Microfinance bank (NG)", |
| "founders": "Chijioke Dozie, Ngozi Dozie", |
| "investors": [ |
| { |
| "name": "Partech", |
| "website": "https://partechpartners.com" |
| } |
| ] |
| }, |
| { |
| "name": "ALAT by Wema", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Africa", |
| "hq": "Lagos, NG", |
| "founded": 2017, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Goal savings", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "alat.ng", |
| "website": "https://alat.ng", |
| "active_regions": [ |
| "Africa" |
| ], |
| "note": "Nigeria's first fully digital bank.", |
| "licence": "Bank (Wema Bank)" |
| }, |
| { |
| "name": "Sparkle", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Africa", |
| "hq": "Lagos, NG", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "sparkle.ng", |
| "website": "https://sparkle.ng", |
| "active_regions": [ |
| "Africa" |
| ], |
| "note": "Lifestyle + SMB digital bank.", |
| "licence": "Microfinance bank (NG)", |
| "founders": "Uzoma Dozie" |
| }, |
| { |
| "name": "Umba", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Africa", |
| "hq": "Lagos/Nairobi", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "umba.com", |
| "website": "https://umba.com", |
| "active_regions": [ |
| "Africa" |
| ], |
| "note": "NG + KE digital bank (acquired MFB licence).", |
| "licence": "Microfinance bank licence in Kenya (majority stake in Daraja MFB, CBK-approved 2022); Nigeria via partner bank", |
| "founders": "Tiernan Kennedy, Barry O'Mahony", |
| "funding": "~$20M raised" |
| }, |
| { |
| "name": "Djamo", |
| "category": "traditional", |
| "audience": "underbanked", |
| "region": "Africa", |
| "hq": "Abidjan, CI", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "djamo.io", |
| "website": "https://djamo.io", |
| "active_regions": [ |
| "Africa" |
| ], |
| "note": "YC-backed francophone-Africa neobank; 1M+.", |
| "story": "YC's first Ivorian startup; banking francophone West Africa's mobile-money generation.", |
| "licence": "Microfinance licence (BCEAO / Côte d'Ivoire MEF, Sep 2025 — first fintech); cards with partner banks", |
| "founders": "Hassan Bourgi, Régis Bamba", |
| "funding": "~$30M raised", |
| "terms_url": "https://www.djamo.io/terms", |
| "privacy_url": "https://www.djamo.io/privacy", |
| "x_handle": "djamoapp", |
| "countries": [ |
| "Côte d'Ivoire", |
| "Senegal" |
| ], |
| "investors": [ |
| { |
| "name": "Y Combinator", |
| "website": "https://ycombinator.com" |
| }, |
| { |
| "name": "Partech", |
| "website": "https://partechpartners.com" |
| }, |
| { |
| "name": "Janngo Capital", |
| "website": "https://janngo.africa" |
| } |
| ] |
| }, |
| { |
| "name": "Wave", |
| "category": "traditional", |
| "audience": "underbanked", |
| "region": "Africa", |
| "hq": "Dakar, SN", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "wave.com", |
| "website": "https://wave.com", |
| "active_regions": [ |
| "Africa" |
| ], |
| "note": "Radically cheap mobile money; 10M+ users.", |
| "story": "Cut Senegal's mobile-money fees by ~70% with a Sendwave spin-out; francophone Africa's first unicorn.", |
| "licence": "First non-telecom e-money issuer (BCEAO)", |
| "founders": "Drew Durbin, Lincoln Quirk", |
| "funding": "~$300M+; unicorn", |
| "privacy_url": "https://www.wave.com/en/privacy/index.html", |
| "x_handle": "wave_senegal", |
| "countries": [ |
| "Senegal", |
| "Côte d'Ivoire", |
| "Mali", |
| "Burkina Faso", |
| "Uganda", |
| "Gambia" |
| ], |
| "investors": [ |
| { |
| "name": "HRTG (Sequoia Heritage)", |
| "website": "https://hrtg.com" |
| }, |
| { |
| "name": "Founders Fund", |
| "website": "https://foundersfund.com" |
| }, |
| { |
| "name": "Stripe", |
| "website": "https://stripe.com" |
| }, |
| { |
| "name": "Ribbit Capital", |
| "website": "https://ribbitcap.com" |
| }, |
| { |
| "name": "Partech", |
| "website": "https://partechpartners.com" |
| } |
| ] |
| }, |
| { |
| "name": "Eversend", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Africa", |
| "hq": "Kampala/Paris", |
| "founded": 2017, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "Visa", |
| "card_type": "Virtual cards", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "eversend.co", |
| "website": "https://eversend.co", |
| "active_regions": [ |
| "Africa" |
| ], |
| "note": "Pan-African multicurrency + transfers.", |
| "licence": "E-money issuer + PSP licences (Bank of Uganda); FinCEN and FINTRAC registrations", |
| "founders": "Stone Atwine" |
| }, |
| { |
| "name": "Fingo", |
| "category": "traditional", |
| "audience": "gen z & students", |
| "region": "Africa", |
| "hq": "Nairobi, KE", |
| "founded": 2021, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "fingo.africa", |
| "website": "https://fingo.africa", |
| "active_regions": [ |
| "Africa" |
| ], |
| "note": "Youth neobank with Ecobank.", |
| "licence": "Partner bank (Ecobank Kenya); Central Bank of Kenya-approved product", |
| "founders": "Kiiru Muhoya + team", |
| "funding": "~$4M raised" |
| }, |
| { |
| "name": "Branch Intl", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Africa", |
| "hq": "Nairobi/Lagos", |
| "founded": 2015, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": "Yield wallet", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "branch.co", |
| "website": "https://branch.co", |
| "active_regions": [ |
| "Africa" |
| ], |
| "note": "Digital lending → neobanking (KE/NG/IN).", |
| "ai": "underwriting", |
| "licence": "Microfinance bank licence in Kenya (84.9% of Century MFB, CBK-approved 2022); digital lending in NG/IN", |
| "founders": "Matt Flannery (Kiva co-founder), Daniel Jung", |
| "funding": "~$260M raised" |
| }, |
| { |
| "name": "Khazna", |
| "category": "traditional", |
| "audience": "underbanked", |
| "region": "Africa", |
| "hq": "Cairo, EG", |
| "founded": 2020, |
| "custody": "Custodial", |
| "regulation_type": "Licence pending (partner model today)", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "khazna.app", |
| "website": "https://khazna.app", |
| "active_regions": [ |
| "Africa" |
| ], |
| "note": "Egyptian financial super-app.", |
| "licence": "Pursuing Central Bank of Egypt digital-bank licence (target mid-2026); lends via FRA-regulated entities", |
| "founders": "Omar Saleh", |
| "funding": "~$60M+ raised" |
| }, |
| { |
| "name": "MNT-Halan", |
| "category": "traditional", |
| "audience": "underbanked", |
| "region": "Africa", |
| "hq": "Cairo, EG", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "halan.com", |
| "website": "https://halan.com", |
| "active_regions": [ |
| "Africa" |
| ], |
| "note": "Egypt's lending super-app unicorn.", |
| "ai": "underwriting", |
| "licence": "Microfinance and consumer finance licences (FRA, Egypt); e-payments arm licensed by CBE", |
| "founders": "Mounir Nakhla, Ahmed Mohsen", |
| "funding": "~$600M+ incl. debt; unicorn" |
| }, |
| { |
| "name": "Flouci", |
| "category": "traditional", |
| "audience": "underbanked", |
| "region": "Africa", |
| "hq": "Tunis, TN", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "Other / mixed", |
| "card_network": "Visa", |
| "card_type": "Debit (physical + virtual)", |
| "cashback": null, |
| "yield": "~7% savings account", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "flouci.com", |
| "website": "https://flouci.com", |
| "active_regions": [ |
| "Africa" |
| ], |
| "note": "Tunisia's digital-banking super-app; BCT sandbox; 250K+ accounts.", |
| "story": "Tunisia's financial super-app by Kaoun — free bank account + wallet with the first e-KYC and home-delivered card in the country.", |
| "licence": "Partner-bank model — BCT regulatory sandbox (1st cohort, 2020); not a bank", |
| "founders": "Nebras Jemel, Anis Kallel, Rostom Bouazizi (Kaoun)", |
| "funding": "~$2M raised", |
| "terms_url": "https://fr.flouci.com/legal/conditions-dutilisation-du-service-flouci", |
| "privacy_url": "https://fr.flouci.com/legal/politique-de-confidendialite-du-client", |
| "countries": [ |
| "Tunisia" |
| ], |
| "investors": [ |
| { |
| "name": "Musha Ventures", |
| "website": "https://mushaventures.com" |
| }, |
| { |
| "name": "Launch Africa", |
| "website": "https://launchafrica.vc" |
| } |
| ] |
| }, |
| { |
| "name": "Grey", |
| "category": "traditional", |
| "audience": "freelancers & creators", |
| "region": "Africa", |
| "hq": "Lagos, NG", |
| "founded": 2020, |
| "custody": "Custodial", |
| "regulation_type": "VASP / MSB / crypto licences", |
| "card_network": "MC", |
| "card_type": "Virtual USD cards", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "grey.co", |
| "website": "https://grey.co", |
| "active_regions": [ |
| "Africa" |
| ], |
| "note": "USD/GBP/EUR accounts for African freelancers.", |
| "licence": "MSB registrations (FinCEN US, FINTRAC Canada); accounts via licensed banking partners", |
| "founders": "Idorenyin Obong, Femi Aghedo", |
| "funding": "YC-backed", |
| "terms_url": "https://grey.co/legal/terms-of-service", |
| "privacy_url": "https://grey.co/legal/privacy-policy", |
| "x_handle": "grey_finance", |
| "countries": [ |
| "Nigeria", |
| "Kenya" |
| ] |
| }, |
| { |
| "name": "PaySika", |
| "category": "traditional", |
| "audience": "underbanked", |
| "region": "Africa", |
| "hq": "Douala, CM", |
| "founded": 2020, |
| "custody": "Custodial", |
| "regulation_type": "Other / mixed", |
| "card_network": "Visa", |
| "card_type": "Prepaid (virtual + physical)", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "paysika.co", |
| "website": "https://paysika.co", |
| "active_regions": [ |
| "Africa" |
| ], |
| "note": "Chatbot-first neobank for francophone Africa — free Visa cards managed from WhatsApp, Messenger or Telegram; issued with Ecobank Cameroon.", |
| "story": "Two Cameroonian engineers who met in French engineering school built the region's first chatbot neobank — a 2020 pilot hit 275% month-over-month growth with zero marketing; now in Visa's Fast Track programme.", |
| "licence": "Cards issued by Ecobank Cameroon under Visa licence; PaySika Holding registered in France", |
| "founders": "Roger Nengwe Ntafam, Stezen Bisselou-Nzengue", |
| "funding": "~$350K pre-seed (2021); Oui Capital's first Cameroon investment (2025)", |
| "terms_url": "https://paysika.co/cm/en/general-conditions-of-use/", |
| "x_handle": "Paysika_Afrique", |
| "countries": [ |
| "Cameroon", |
| "Côte d'Ivoire" |
| ], |
| "investors": [ |
| { |
| "name": "Oui Capital", |
| "website": "https://ouicapital.vc" |
| } |
| ] |
| }, |
| { |
| "name": "Cleva", |
| "category": "traditional", |
| "audience": "freelancers & creators", |
| "region": "Africa", |
| "hq": "Lagos, NG", |
| "founded": 2023, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Virtual USD cards", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "getcleva.com", |
| "website": "https://getcleva.com", |
| "active_regions": [ |
| "Africa" |
| ], |
| "note": "YC-backed USD accounts for Africans.", |
| "licence": "MSB registration (FinCEN); USD accounts via licensed FDIC-insured US partner banks", |
| "founders": "Tolu Alabi, Philip Abel", |
| "funding": "YC-backed" |
| }, |
| { |
| "name": "Telda", |
| "category": "traditional", |
| "audience": "gen z & students", |
| "region": "MENA", |
| "hq": "Cairo, EG", |
| "founded": 2021, |
| "custody": "Custodial", |
| "regulation_type": "Other / mixed", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "telda.app", |
| "website": "https://telda.app", |
| "active_regions": [ |
| "MENA" |
| ], |
| "note": "Egypt's Gen-Z P2P + card app.", |
| "story": "Founded by Swvl's ex-CTO; Egypt's first Gen-Z money app.", |
| "licence": "CBE-regulated (Meeza)", |
| "founders": "Ahmed Sabbah, Youssef Sholqamy", |
| "funding": "~$60M raised", |
| "terms_url": "https://www.telda.app/terms", |
| "privacy_url": "https://www.telda.app/privacy", |
| "x_handle": "telda", |
| "countries": [ |
| "Egypt" |
| ] |
| }, |
| { |
| "name": "Wio Bank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "MENA", |
| "hq": "Abu Dhabi, AE", |
| "founded": 2022, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Competitive AED/USD savers", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "wio.io", |
| "website": "https://wio.io", |
| "active_regions": [ |
| "MENA" |
| ], |
| "note": "ADQ/e&-backed; retail + SMB.", |
| "licence": "UAE banking licence", |
| "founders": "ADQ, e&, FAB consortium", |
| "terms_url": "https://www.wio.io/terms", |
| "privacy_url": "https://www.wio.io/privacy-policy", |
| "x_handle": "wiobank", |
| "countries": [ |
| "UAE" |
| ], |
| "investors": [ |
| { |
| "name": "ADQ", |
| "website": "https://adq.ae" |
| }, |
| { |
| "name": "e&", |
| "website": "https://eand.com" |
| }, |
| { |
| "name": "Mubadala", |
| "website": "https://mubadala.com" |
| } |
| ] |
| }, |
| { |
| "name": "Zand", |
| "category": "traditional", |
| "audience": "general", |
| "region": "MENA", |
| "hq": "Dubai, AE", |
| "founded": 2022, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Digital banking", |
| "cashback": null, |
| "yield": "Deposits", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "zand.ae", |
| "website": "https://zand.ae", |
| "active_regions": [ |
| "MENA" |
| ], |
| "note": "First UAE all-digital bank licence; crypto-friendly corporate banking.", |
| "story": "First fully digital UAE bank licence; corporate arm banks the Gulf's crypto companies.", |
| "licence": "UAE banking licence", |
| "founders": "Mohamed Alabbar-led group" |
| }, |
| { |
| "name": "YAP", |
| "category": "traditional", |
| "audience": "general", |
| "region": "MENA", |
| "hq": "Dubai, AE", |
| "founded": 2021, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "yap.com", |
| "website": "https://yap.com", |
| "active_regions": [ |
| "MENA" |
| ], |
| "note": "UAE's first independent digital banking app.", |
| "licence": "Partner bank (Ruya Community Islamic Bank, CBUAE-licensed; formerly RAKBANK)", |
| "founders": "Marwan Hachem, Anas Zaidan" |
| }, |
| { |
| "name": "Liv.", |
| "category": "traditional", |
| "audience": "general", |
| "region": "MENA", |
| "hq": "Dubai, AE", |
| "founded": 2017, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": "Rewards", |
| "yield": "Goal savers", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "liv.me", |
| "website": "https://liv.me", |
| "active_regions": [ |
| "MENA" |
| ], |
| "note": "Emirates NBD's lifestyle bank.", |
| "licence": "Operates under Emirates NBD's banking licence (CBUAE) as its digital bank" |
| }, |
| { |
| "name": "Pyypl", |
| "category": "traditional", |
| "audience": "underbanked", |
| "region": "MENA", |
| "hq": "Dubai, AE", |
| "founded": 2017, |
| "custody": "Custodial", |
| "regulation_type": "Payment institution", |
| "card_network": "MC", |
| "card_type": "Prepaid", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "pyypl.com", |
| "website": "https://pyypl.com", |
| "active_regions": [ |
| "MENA" |
| ], |
| "note": "Cards for the smartphone-first unbanked.", |
| "licence": "FSRA (ADGM) money services licence No. 170031; non-bank payment institution; also CBB Bahrain, AFSA Kazakhstan", |
| "founders": "Antti Arponen", |
| "funding": "~$60M raised" |
| }, |
| { |
| "name": "NOW Money", |
| "category": "traditional", |
| "audience": "immigrants & migrants", |
| "region": "MENA", |
| "hq": "Dubai, AE", |
| "founded": 2016, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "Visa", |
| "card_type": "Payroll + debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "nowmoney.me", |
| "website": "https://nowmoney.me", |
| "active_regions": [ |
| "MENA" |
| ], |
| "note": "Accounts for migrant workers in the Gulf.", |
| "story": "Payroll accounts for Gulf migrant workers excluded from traditional banks.", |
| "licence": "E-money institution / Stored Value Facility licence (Central Bank of UAE); funds safeguarded at UAE banks incl. CBI", |
| "founders": "Katharine Budd, Ian Dillon" |
| }, |
| { |
| "name": "Sarwa", |
| "category": "traditional", |
| "audience": "general", |
| "region": "MENA", |
| "hq": "Dubai, AE", |
| "founded": 2017, |
| "custody": "Custodial", |
| "regulation_type": "Broker-led", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": "Sarwa Save yield", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "sarwa.co", |
| "website": "https://sarwa.co", |
| "active_regions": [ |
| "MENA" |
| ], |
| "note": "Invest + trade + cash app.", |
| "licence": "FSRA-regulated (ADGM, UAE) investment platform; robo-advisory and broker services", |
| "founders": "Mark Chahwan, Jad Sayegh, Nadine Mezher" |
| }, |
| { |
| "name": "ila Bank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "MENA", |
| "hq": "Manama, BH", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Savers", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "ilabank.com", |
| "website": "https://ilabank.com", |
| "active_regions": [ |
| "MENA" |
| ], |
| "note": "Bank ABC's digital bank.", |
| "licence": "Bank (ABC Group)" |
| }, |
| { |
| "name": "Tweeq", |
| "category": "traditional", |
| "audience": "general", |
| "region": "MENA", |
| "hq": "Riyadh, SA", |
| "founded": 2022, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "Mada/Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "tweeq.sa", |
| "website": "https://tweeq.sa", |
| "active_regions": [ |
| "MENA" |
| ], |
| "note": "Saudi spending account.", |
| "licence": "SAMA e-money licence" |
| }, |
| { |
| "name": "STC Bank", |
| "category": "traditional", |
| "audience": "general", |
| "region": "MENA", |
| "hq": "Riyadh, SA", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa/Mada", |
| "card_type": "Debit", |
| "cashback": "Rewards", |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "stcbank.com.sa", |
| "website": "https://stcbank.com.sa", |
| "active_regions": [ |
| "MENA" |
| ], |
| "note": "From STC Pay to full digital bank.", |
| "licence": "Digital bank licence (SAMA)" |
| }, |
| { |
| "name": "D360 Bank", |
| "category": "traditional", |
| "audience": "faith-based", |
| "region": "MENA", |
| "hq": "Riyadh, SA", |
| "founded": 2023, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Mada/Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Shariah-compliant", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "d360.com", |
| "website": "https://d360.com", |
| "active_regions": [ |
| "MENA" |
| ], |
| "note": "PIF-backed Islamic digital bank.", |
| "licence": "Digital bank licence (SAMA); PIF-backed" |
| }, |
| { |
| "name": "Weyay", |
| "category": "traditional", |
| "audience": "gen z & students", |
| "region": "MENA", |
| "hq": "Kuwait City, KW", |
| "founded": 2021, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "weyay.com", |
| "website": "https://weyay.com", |
| "active_regions": [ |
| "MENA" |
| ], |
| "note": "NBK's youth-first digital bank.", |
| "licence": "Bank (NBK)" |
| }, |
| { |
| "name": "One Zero", |
| "category": "traditional", |
| "audience": "general", |
| "region": "MENA", |
| "hq": "Tel Aviv, IL", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Competitive deposits", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "onezerobank.com", |
| "website": "https://onezerobank.com", |
| "active_regions": [ |
| "MENA" |
| ], |
| "note": "Israel's first new bank in 40+ years; AI banker.", |
| "story": "Israel's first new bank in 40+ years, built around an AI private banker.", |
| "ai": "interface", |
| "licence": "Israeli banking licence", |
| "founders": "Amnon Shashua (Mobileye founder)", |
| "funding": "~$500M raised", |
| "terms_url": "https://www.onezerobank.com/terms/", |
| "privacy_url": "https://www.onezerobank.com/privacy/", |
| "x_handle": "OneZeroBank", |
| "countries": [ |
| "Israel" |
| ] |
| }, |
| { |
| "name": "Pride Bank", |
| "category": "traditional", |
| "audience": "LGBTQ+", |
| "region": "LatAm", |
| "hq": "São Paulo, BR", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "pridebank.com.br", |
| "website": "https://pridebank.com.br", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "Digital bank for Brazil's LGBTQ+ community.", |
| "story": "Brazil's digital bank for the LGBTQ+ community, born from exclusion at traditional branches.", |
| "licence": "Not a bank; payment arrangement on Digital Banks' rails (BaaS, Brazil)", |
| "founders": "Márcio Orlandi Jr." |
| }, |
| { |
| "name": "Revolut", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "Global", |
| "hq": "London, UK", |
| "founded": 2015, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa/MC", |
| "card_type": "Debit + credit", |
| "cashback": "Perks by tier", |
| "yield": "Savings vaults", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "revolut.com", |
| "website": "https://revolut.com", |
| "active_regions": [ |
| "Europe", |
| "North America", |
| "Oceania", |
| "Asia", |
| "Latin America" |
| ], |
| "note": "50M+ users; crypto trading; stablecoin in FCA sandbox 2026.", |
| "story": "From a fee-free FX card in Canary Wharf to a 50M-user global super-app; the UK licence took nine years.", |
| "ai": "interface", |
| "licence": "UK banking licence (2024); EU licence (Lithuania)", |
| "founders": "Nik Storonsky, Vlad Yatsenko", |
| "funding": "~$2B raised; val ~$75B", |
| "terms_url": "https://www.revolut.com/legal/terms/", |
| "privacy_url": "https://www.revolut.com/privacy-policy/", |
| "x_handle": "RevolutApp", |
| "countries": [ |
| "United Kingdom", |
| "Ireland", |
| "France", |
| "Germany", |
| "Spain", |
| "Italy", |
| "Poland", |
| "Romania", |
| "Lithuania", |
| "Netherlands", |
| "Portugal", |
| "United States", |
| "Australia", |
| "Singapore", |
| "Japan", |
| "Brazil", |
| "New Zealand", |
| "Switzerland", |
| "Mexico", |
| "India" |
| ], |
| "services": [ |
| "on-ramp", |
| "off-ramp", |
| "fiat-payin", |
| "fiat-payout", |
| "iban", |
| "multi-currency", |
| "virtual-cards", |
| "crypto-cards" |
| ], |
| "fx_markup": { |
| "markup": "Interbank rate; free to £/$1,000/mo on weekdays, 0.5% over; +1% weekend markup", |
| "as_of": "2026-07", |
| "source": "https://www.revolut.com/en-US/legal/standard-fees/" |
| }, |
| "investors": [ |
| { |
| "name": "Index Ventures", |
| "website": "https://indexventures.com" |
| }, |
| { |
| "name": "DST Global", |
| "website": "https://dst-global.com" |
| }, |
| { |
| "name": "Balderton Capital", |
| "website": "https://balderton.com" |
| }, |
| { |
| "name": "Ribbit Capital", |
| "website": "https://ribbitcap.com" |
| }, |
| { |
| "name": "Tiger Global", |
| "website": "https://tigerglobal.com" |
| } |
| ], |
| "reported_users": { |
| "value_millions": 50, |
| "metric": "customers", |
| "as_of": "2025" |
| } |
| }, |
| { |
| "name": "Cash App", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "US", |
| "hq": "Oakland, US", |
| "founded": 2013, |
| "custody": "Custodial", |
| "regulation_type": "VASP / MSB / crypto licences", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": "Boosts", |
| "yield": "~4% savings (conditions)", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "cash.app", |
| "website": "https://cash.app", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Block's P2P giant; BTC + Lightning.", |
| "story": "Square's P2P experiment became Block's consumer bank and America's biggest retail bitcoin on-ramp.", |
| "licence": "Via Block's bank + BitLicense", |
| "founders": "Block (Jack Dorsey)", |
| "funding": "Public (XYZ)", |
| "terms_url": "https://cash.app/legal/us/en-us/tos", |
| "privacy_url": "https://cash.app/legal/us/en-us/privacy", |
| "x_handle": "CashApp", |
| "countries": [ |
| "United States" |
| ], |
| "services": [ |
| "on-ramp", |
| "off-ramp", |
| "fiat-payin", |
| "fiat-payout", |
| "iban", |
| "virtual-cards" |
| ], |
| "fx_markup": { |
| "markup": "3% foreign transaction fee; waived on card-present txns for Cash App Green users", |
| "as_of": "2026-07", |
| "source": "https://cash.app/us/en/legal/tos" |
| }, |
| "reported_users": { |
| "value_millions": 59, |
| "metric": "transacting actives", |
| "as_of": "2025" |
| }, |
| "volume": { |
| "figure": "$316B", |
| "metric": "inflows · FY2025", |
| "source": "Block 10-K" |
| } |
| }, |
| { |
| "name": "Venmo", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "US", |
| "hq": "New York, US", |
| "founded": 2009, |
| "custody": "Custodial", |
| "regulation_type": "VASP / MSB / crypto licences", |
| "card_network": "Visa/MC", |
| "card_type": "Debit + credit", |
| "cashback": "Up to 3% (credit)", |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "venmo.com", |
| "website": "https://venmo.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "PayPal-owned; crypto incl. PYUSD.", |
| "licence": "PayPal's US state licences (money transmitter, NMLS 910457); crypto via NYDFS trust company PayPal Digital", |
| "founders": "Andrew Kortina, Iqram Magdon-Ismail", |
| "funding": "PayPal (PYPL)", |
| "terms_url": "https://venmo.com/legal/us-user-agreement/", |
| "privacy_url": "https://venmo.com/legal/us-privacy-policy/", |
| "x_handle": "Venmo", |
| "countries": [ |
| "United States" |
| ] |
| }, |
| { |
| "name": "Robinhood", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "US", |
| "hq": "Menlo Park, US", |
| "founded": 2013, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "MC", |
| "card_type": "Debit (Cash Card)", |
| "cashback": "Round-up boosts", |
| "yield": "~4% Gold APY", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "robinhood.com", |
| "website": "https://robinhood.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Broker + banking + crypto; USDG consortium member.", |
| "ai": "interface", |
| "licence": "Broker-dealer + partner banks; state crypto licences", |
| "founders": "Vlad Tenev, Baiju Bhatt", |
| "funding": "Public (HOOD)", |
| "terms_url": "https://robinhood.com/us/en/about/legal/", |
| "privacy_url": "https://robinhood.com/us/en/support/articles/privacy-policy/", |
| "x_handle": "RobinhoodApp", |
| "countries": [ |
| "United States", |
| "United Kingdom" |
| ], |
| "investors": [ |
| { |
| "name": "Index Ventures", |
| "website": "https://indexventures.com" |
| }, |
| { |
| "name": "Andreessen Horowitz", |
| "website": "https://a16z.com" |
| }, |
| { |
| "name": "DST Global", |
| "website": "https://dst-global.com" |
| }, |
| { |
| "name": "Ribbit Capital", |
| "website": "https://ribbitcap.com" |
| }, |
| { |
| "name": "Sequoia Capital", |
| "website": "https://sequoiacap.com" |
| } |
| ] |
| }, |
| { |
| "name": "Crypto.com", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "Global", |
| "hq": "Singapore, SG", |
| "founded": 2016, |
| "custody": "Custodial", |
| "regulation_type": "MiCA CASP (EU)", |
| "card_network": "Visa", |
| "card_type": "Prepaid (metal tiers)", |
| "cashback": "Up to 5% CRO", |
| "yield": "Earn on crypto/stables", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "crypto.com", |
| "website": "https://crypto.com", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Tiered staking-gated cards; 90+ countries.", |
| "story": "Rebranded from Monaco after buying the crypto.com domain; the arena-naming-rights era of CeFi.", |
| "licence": "MiCA CASP, MAS MPI, US MSBs", |
| "founders": "Kris Marszalek + 3", |
| "terms_url": "https://crypto.com/document/terms", |
| "privacy_url": "https://crypto.com/document/privacy", |
| "x_handle": "cryptocom", |
| "countries": [ |
| "Singapore", |
| "United States", |
| "United Kingdom", |
| "European Union", |
| "Australia", |
| "Brazil", |
| "Canada", |
| "UAE", |
| "South Korea" |
| ], |
| "services": [ |
| "on-ramp", |
| "off-ramp", |
| "fiat-payin", |
| "fiat-payout", |
| "crypto-cards" |
| ] |
| }, |
| { |
| "name": "Coinbase Card", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "US", |
| "hq": "San Francisco, US", |
| "founded": 2012, |
| "custody": "Custodial", |
| "regulation_type": "MiCA CASP (EU)", |
| "card_network": "Visa/Amex", |
| "card_type": "Debit + credit", |
| "cashback": "Up to 4% rotating", |
| "yield": "USDC rewards", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "coinbase.com", |
| "website": "https://coinbase.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Exchange card + new Amex One Card; Base builder.", |
| "ai": "agentic", |
| "licence": "US state licences, MiCA; Public (COIN)", |
| "founders": "Brian Armstrong, Fred Ehrsam", |
| "funding": "Public (COIN)", |
| "terms_url": "https://www.coinbase.com/legal/user_agreement", |
| "privacy_url": "https://www.coinbase.com/legal/privacy", |
| "x_handle": "coinbase", |
| "countries": [ |
| "United States", |
| "United Kingdom", |
| "European Union", |
| "Canada", |
| "Australia", |
| "Singapore", |
| "Brazil" |
| ], |
| "services": [ |
| "crypto-cards", |
| "virtual-cards" |
| ], |
| "investors": [ |
| { |
| "name": "Andreessen Horowitz", |
| "website": "https://a16z.com" |
| }, |
| { |
| "name": "Union Square Ventures", |
| "website": "https://usv.com" |
| }, |
| { |
| "name": "Ribbit Capital", |
| "website": "https://ribbitcap.com" |
| } |
| ] |
| }, |
| { |
| "name": "Binance Card", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "Global", |
| "hq": "—", |
| "founded": 2017, |
| "custody": "Custodial", |
| "regulation_type": "VASP / MSB / crypto licences", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": "Up to 8% BNB", |
| "yield": "Earn products", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "binance.com", |
| "website": "https://binance.com", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Availability varies; regional relaunches.", |
| "licence": "Jurisdiction-dependent VASP registrations", |
| "founders": "Changpeng Zhao" |
| }, |
| { |
| "name": "Bybit Card", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "Global", |
| "hq": "Dubai, AE", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "VASP / MSB / crypto licences", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": "Up to 10% campaigns", |
| "yield": "Earn", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "bybit.com", |
| "website": "https://bybit.com", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Trader-focused; caps lower effective rates.", |
| "licence": "VARA (Dubai) + regional", |
| "founders": "Ben Zhou", |
| "services": [ |
| "crypto-cards", |
| "virtual-cards" |
| ], |
| "fx_markup": { |
| "markup": "Region-dependent FX on Mastercard rate: EEA 0.5%, AU 1%, BR 1.5%, APAC/MX 2%, AR 7%; +0.9% if crypto-funded", |
| "as_of": "2026-07", |
| "source": "https://www.bybit.com/en/help-center/article/Fees-and-Spending-Limits-Bybit-Card" |
| } |
| }, |
| { |
| "name": "OKX Card", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "Global", |
| "hq": "—", |
| "founded": 2017, |
| "custody": "Custodial", |
| "regulation_type": "MiCA CASP (EU)", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": "Up to 5%", |
| "yield": "Earn", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "okx.com", |
| "website": "https://okx.com", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Best rates for active OKX users.", |
| "ai": "agentic", |
| "licence": "VARA, MiCA (Malta)", |
| "founders": "Star Xu", |
| "services": [ |
| "crypto-cards", |
| "virtual-cards" |
| ] |
| }, |
| { |
| "name": "Bitget Card", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "Global", |
| "hq": "—", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "VASP / MSB / crypto licences", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": "Campaign rewards", |
| "yield": "Earn", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "bitget.com", |
| "website": "https://bitget.com", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Exchange-linked card.", |
| "licence": "Exchange VASP registrations (Lithuania, Bulgaria, Poland, Czechia); cards via issuer partners (DCS, Fiat24, Immersve)" |
| }, |
| { |
| "name": "KuCard", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "Global", |
| "hq": "—", |
| "founded": 2017, |
| "custody": "Custodial", |
| "regulation_type": "MiCA CASP (EU)", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": "Rewards", |
| "yield": "Earn", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "kucoin.com", |
| "website": "https://kucoin.com", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "KuCoin's card.", |
| "licence": "Card issued by Wallester AS (Estonian payment institution); KuCoin EU holds Austrian MiCA CASP licence" |
| }, |
| { |
| "name": "CEX.IO Card", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "Global", |
| "hq": "London, UK", |
| "founded": 2013, |
| "custody": "Custodial", |
| "regulation_type": "VASP / MSB / crypto licences", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": "Rewards", |
| "yield": "Earn/staking", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "cex.io", |
| "website": "https://cex.io", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Veteran exchange with card.", |
| "licence": "MSB (FinCEN) + US state money-transmitter licences; UK FCA cryptoasset registration; EU VASP (Lithuania)" |
| }, |
| { |
| "name": "SpectroCoin", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Vilnius, LT", |
| "founded": 2013, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "Visa", |
| "card_type": "Prepaid", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "spectrocoin.com", |
| "website": "https://spectrocoin.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Baltic crypto wallet + card.", |
| "licence": "Crypto VASP (Lithuania); e-money IBANs and Visa cards via UAB Pervesk (Bank of Lithuania EMI No. 17)" |
| }, |
| { |
| "name": "Bitpanda", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Vienna, AT", |
| "founded": 2014, |
| "custody": "Custodial", |
| "regulation_type": "MiCA CASP (EU)", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": "Up to 2% (BEST)", |
| "yield": "Staking", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "bitpanda.com", |
| "website": "https://bitpanda.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Stocks + crypto + metals broker with card.", |
| "licence": "MiCA (AT); BaFin licences", |
| "founders": "Eric Demuth, Paul Klanschek, Christian Trummer", |
| "funding": "~$500M; unicorn", |
| "terms_url": "https://www.bitpanda.com/en/legal", |
| "privacy_url": "https://www.bitpanda.com/en/privacy-policy", |
| "x_handle": "bitpanda", |
| "countries": [ |
| "Austria", |
| "Germany", |
| "France", |
| "Spain", |
| "Italy", |
| "United Kingdom" |
| ], |
| "services": [ |
| "on-ramp", |
| "off-ramp", |
| "fiat-payin", |
| "fiat-payout", |
| "multi-currency", |
| "crypto-cards" |
| ], |
| "fx_markup": { |
| "markup": "0% Bitpanda FX on non-EUR (Visa markup may apply); real cost is the crypto-sell spread", |
| "as_of": "2026-07", |
| "source": "https://support.bitpanda.com/hc/en-us/articles/360018933120-What-is-the-Bitpanda-Card-and-what-are-its-benefits" |
| }, |
| "investors": [ |
| { |
| "name": "Valar Ventures", |
| "website": "https://valar.com" |
| }, |
| { |
| "name": "Speedinvest", |
| "website": "https://speedinvest.com" |
| } |
| ] |
| }, |
| { |
| "name": "eToro Money", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Tel Aviv, IL", |
| "founded": 2007, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Staking", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "etoro.com", |
| "website": "https://etoro.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Broker money app + card (UK/EU).", |
| "ai": "interface", |
| "licence": "Broker-led; e-money institution (eToro Money UK, FCA FRN 900203; eToro Money Malta, MFSA)", |
| "founders": "Yoni Assia, Ronen Assia, David Ring", |
| "funding": "Public (ETOR)", |
| "services": [ |
| "off-ramp", |
| "fiat-payin", |
| "fiat-payout", |
| "multi-currency" |
| ], |
| "fx_markup": { |
| "markup": "0% FX fee; interbank rate, no markup on supported currencies (UK/EU)", |
| "as_of": "2026-07", |
| "source": "https://www.etoro.com/money/using-debit-card-abroad/" |
| } |
| }, |
| { |
| "name": "Tap Global", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "London, UK", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "MC", |
| "card_type": "Prepaid", |
| "cashback": "Cashback tiers", |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "withtap.com", |
| "website": "https://withtap.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Crypto + fiat app with card.", |
| "licence": "Gibraltar DLT/VASP licence (GFSC, No. 25532); cards via Transact Payments EMI" |
| }, |
| { |
| "name": "CoinJar", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "ANZ", |
| "hq": "Melbourne, AU", |
| "founded": 2013, |
| "custody": "Custodial", |
| "regulation_type": "Payment institution", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": "Points", |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "coinjar.com", |
| "website": "https://coinjar.com", |
| "active_regions": [ |
| "Oceania" |
| ], |
| "note": "Australia's longest-running exchange + card.", |
| "licence": "VASP registrations (AUSTRAC DCE, Australia; FCA cryptoasset, UK); card issued by EML (AFSL 404131)", |
| "founders": "Asher Tan, Ryan Zhou" |
| }, |
| { |
| "name": "Plutus", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "London, UK", |
| "founded": 2015, |
| "custody": "Custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": "Up to 8% PLU", |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "plutus.it", |
| "website": "https://plutus.it", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Perk-stacking rewards card.", |
| "licence": "E-money card via Modulr (FCA EMI; Lithuanian EMI for EEA); PLU rewards self-custodial", |
| "services": [ |
| "on-ramp", |
| "off-ramp", |
| "fiat-payin", |
| "fiat-payout", |
| "iban", |
| "multi-currency", |
| "virtual-cards", |
| "crypto-cards" |
| ] |
| }, |
| { |
| "name": "Fold", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "US", |
| "hq": "Phoenix, US", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Prepaid + credit", |
| "cashback": "BTC rewards", |
| "yield": "BTC on savings", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "foldapp.com", |
| "website": "https://foldapp.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Bitcoin-rewards card; public co (FLD).", |
| "licence": "Partner bank (Sutton Bank) issues Fold Visa prepaid card; BTC via Fortress Trust, BitGo-insured custody", |
| "founders": "Will Reeves", |
| "funding": "Public (FLD)", |
| "terms_url": "https://foldapp.com/legal/legal-overview", |
| "privacy_url": "https://foldapp.com/legal/privacy-policy", |
| "x_handle": "fold_app", |
| "countries": [ |
| "United States" |
| ], |
| "investors": [ |
| { |
| "name": "Craft Ventures", |
| "website": "https://craftventures.com" |
| } |
| ] |
| }, |
| { |
| "name": "Gemini Credit Card", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "US", |
| "hq": "New York, US", |
| "founded": 2014, |
| "custody": "Custodial", |
| "regulation_type": "VASP / MSB / crypto licences", |
| "card_network": "MC", |
| "card_type": "Credit", |
| "cashback": "Up to 4% BTC/ETH", |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "gemini.com", |
| "website": "https://gemini.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Real-time crypto-back credit.", |
| "licence": "NYDFS trust", |
| "founders": "Cameron & Tyler Winklevoss", |
| "funding": "Public (GEMI, 2025)", |
| "terms_url": "https://www.gemini.com/legal/user-agreement", |
| "privacy_url": "https://www.gemini.com/legal/privacy-policy", |
| "x_handle": "Gemini", |
| "countries": [ |
| "United States" |
| ] |
| }, |
| { |
| "name": "BitPay Card", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "US", |
| "hq": "Atlanta, US", |
| "founded": 2011, |
| "custody": "Custodial", |
| "regulation_type": "VASP / MSB / crypto licences", |
| "card_network": "MC", |
| "card_type": "Prepaid", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "bitpay.com", |
| "website": "https://bitpay.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "OG crypto payments + card.", |
| "licence": "BitLicense (NYDFS) + FinCEN MSB + 20+ state money-transmitter licences", |
| "founders": "Tony Gallippi, Stephen Pair" |
| }, |
| { |
| "name": "Strike", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "Global", |
| "hq": "Chicago, US", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "VASP / MSB / crypto licences", |
| "card_network": "Visa", |
| "card_type": "Debit (US)", |
| "cashback": "BTC rewards", |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "strike.me", |
| "website": "https://strike.me", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Lightning-native payments + remittance.", |
| "story": "Chicago Lightning evangelist turning bitcoin rails into invisible remittance infrastructure.", |
| "licence": "Money transmitter licences + NY BitLicense (NYDFS, 2026); Zap Solutions, Inc.", |
| "founders": "Jack Mallers", |
| "funding": "~$90M raised", |
| "terms_url": "https://strike.me/legal/tos/", |
| "privacy_url": "https://strike.me/legal/privacy/", |
| "x_handle": "Strike", |
| "countries": [ |
| "United States", |
| "El Salvador", |
| "Argentina", |
| "Mexico", |
| "Philippines", |
| "Vietnam", |
| "Nigeria", |
| "Kenya", |
| "Ghana" |
| ], |
| "services": [ |
| "on-ramp", |
| "off-ramp", |
| "fiat-payin", |
| "fiat-payout", |
| "iban" |
| ], |
| "investors": [ |
| { |
| "name": "Ten31", |
| "website": "https://ten31.vc" |
| } |
| ] |
| }, |
| { |
| "name": "Xapo Bank", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "Global", |
| "hq": "Gibraltar", |
| "founded": 2013, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": "1% in BTC", |
| "yield": "Interest on BTC + USD", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "xapobank.com", |
| "website": "https://xapobank.com", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Licensed private bank for BTC wealth.", |
| "story": "Casares — patient zero of Silicon Valley bitcoin — built a private bank for BTC wealth after his family lost everything to Argentine devaluations.", |
| "licence": "Gibraltar banking licence", |
| "founders": "Wences Casares", |
| "terms_url": "https://www.xapobank.com/en/terms", |
| "x_handle": "xapobank", |
| "countries": [ |
| "Gibraltar", |
| "United Kingdom", |
| "UAE", |
| "Global" |
| ], |
| "investors": [ |
| { |
| "name": "Benchmark", |
| "website": "https://benchmark.com" |
| }, |
| { |
| "name": "Index Ventures", |
| "website": "https://indexventures.com" |
| }, |
| { |
| "name": "Greylock", |
| "website": "https://greylock.com" |
| } |
| ] |
| }, |
| { |
| "name": "Wirex", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "Global", |
| "hq": "London, UK", |
| "founded": 2014, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": "Up to 8% Cryptoback", |
| "yield": "X-Accounts yield", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "wirexapp.com", |
| "website": "https://wirexapp.com", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Earliest-wave crypto card; 180+ countries.", |
| "ai": "agentic", |
| "licence": "E-money institution (FCA, FRN 902025); crypto via Wirex Digital Services VASP (OAM Italy)", |
| "founders": "Pavel Matveev, Dmitry Lazarichev", |
| "terms_url": "https://wirexapp.com/terms-and-conditions", |
| "privacy_url": "https://wirexapp.com/privacy-policy", |
| "x_handle": "wirexapp", |
| "countries": [ |
| "United Kingdom", |
| "European Union", |
| "Singapore", |
| "Australia", |
| "United States" |
| ], |
| "services": [ |
| "on-ramp", |
| "off-ramp", |
| "fiat-payin", |
| "fiat-payout", |
| "iban", |
| "multi-currency", |
| "virtual-cards", |
| "crypto-cards" |
| ], |
| "fx_markup": { |
| "markup": "0% FX markup (Visa principal member), all tiers; small spread if funding from crypto", |
| "as_of": "2026-07", |
| "source": "https://www.wirexapp.com/en-gb/stablecoin-and-crypto-card" |
| } |
| }, |
| { |
| "name": "Uphold", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "Global", |
| "hq": "New York, US", |
| "founded": 2015, |
| "custody": "Custodial", |
| "regulation_type": "VASP / MSB / crypto licences", |
| "card_network": "Visa/MC", |
| "card_type": "Debit", |
| "cashback": "Up to 2%", |
| "yield": "Staking", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "uphold.com", |
| "website": "https://uphold.com", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Multi-asset: crypto, metals, FX.", |
| "licence": "FinCEN MSB + state money-transmitter licences (US); FCA-registered cryptoasset firm (UK)", |
| "founders": "Halsey Minor (CNET founder)", |
| "terms_url": "https://uphold.com/legal", |
| "privacy_url": "https://uphold.com/legal/privacy-policy", |
| "x_handle": "UpholdInc", |
| "countries": [ |
| "United States", |
| "United Kingdom", |
| "European Union", |
| "Brazil", |
| "Mexico", |
| "Argentina" |
| ] |
| }, |
| { |
| "name": "Nexo", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "Global", |
| "hq": "Zug, CH", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "MiCA CASP (EU)", |
| "card_network": "Visa/MC", |
| "card_type": "Dual credit/debit", |
| "cashback": "Up to 2% (credit mode)", |
| "yield": "Earn (tiers)", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "nexo.com", |
| "website": "https://nexo.com", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Crypto credit lines; rewards in credit mode.", |
| "ai": "interface", |
| "licence": "EU VASP registrations; MiCA CASP application pending; EEA served via MiCA-licensed Tangany + DLT Finance", |
| "founders": "Antoni Trenchev, Kosta Kantchev", |
| "terms_url": "https://nexo.com/terms", |
| "privacy_url": "https://nexo.com/privacy-policy", |
| "x_handle": "Nexo", |
| "countries": [ |
| "United Kingdom", |
| "European Union", |
| "Switzerland", |
| "Brazil", |
| "Mexico" |
| ], |
| "services": [ |
| "on-ramp", |
| "off-ramp", |
| "crypto-cards", |
| "virtual-cards" |
| ] |
| }, |
| { |
| "name": "Krak", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "Global", |
| "hq": "San Francisco, US", |
| "founded": 2025, |
| "custody": "Custodial", |
| "regulation_type": "MiCA CASP (EU)", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": "Spend rewards", |
| "yield": "Yield incl. stables", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "krak.com", |
| "website": "https://krak.com", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Kraken's consumer money app.", |
| "story": "Kraken's move from exchange to money app: spend, yield and P2P Kraktags on one balance.", |
| "licence": "US state licences; MiCA (EU)", |
| "founders": "Kraken", |
| "terms_url": "https://krak.com/legal", |
| "privacy_url": "https://www.kraken.com/legal/privacy", |
| "x_handle": "krak", |
| "countries": [ |
| "United States", |
| "European Union", |
| "United Kingdom", |
| "Canada", |
| "Australia" |
| ], |
| "investors": [ |
| { |
| "name": "Hummingbird Ventures", |
| "website": "https://hummingbird.vc" |
| }, |
| { |
| "name": "Tribe Capital", |
| "website": "https://tribecap.co" |
| }, |
| { |
| "name": "Blockchain Capital", |
| "website": "https://blockchain.capital" |
| } |
| ] |
| }, |
| { |
| "name": "KAST", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "Global", |
| "hq": "Hong Kong, HK", |
| "founded": 2024, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Prepaid (tiers)", |
| "cashback": "Up to 3% stablecoin", |
| "yield": "Vaults up to ~10%", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "kast.xyz", |
| "website": "https://kast.xyz", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Stablecoin neobank; ~$600M valuation.", |
| "story": "Stablecoin-native neobank for the dollar-hungry global middle class; premium metal tiers, HK roots.", |
| "licence": "Runs on licensed partners' rails: custody via BitGo/Fireblocks, Visa cards via licensed issuers; not a bank", |
| "funding": "~$70M+ at ~$600M valuation (2026)", |
| "terms_url": "https://www.kast.xyz/terms", |
| "privacy_url": "https://www.kast.xyz/legal/privacy-policy", |
| "x_handle": "Kast_money", |
| "countries": [ |
| "Hong Kong", |
| "Singapore", |
| "Global" |
| ], |
| "investors": [ |
| { |
| "name": "Peak XV Partners", |
| "website": "https://peakxv.com" |
| }, |
| { |
| "name": "HongShan", |
| "website": "https://hongshan.com" |
| } |
| ] |
| }, |
| { |
| "name": "RedotPay", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "Global", |
| "hq": "Hong Kong, HK", |
| "founded": 2023, |
| "custody": "Custodial", |
| "regulation_type": "VASP / MSB / crypto licences", |
| "card_network": "Visa/MC", |
| "card_type": "Prepaid", |
| "cashback": "Up to 1%", |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "redotpay.com", |
| "website": "https://redotpay.com", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Processed $2.95B card volume in 2025 — over 4x its next 13 competitors combined.", |
| "story": "Hong Kong crypto-card leader: $2.95B card volume in 2025, more than 4x its next 13 competitors combined (CoinDesk/StraitsX).", |
| "ai": "agentic", |
| "licence": "Hong Kong MSO, money lender + TCSP licences; VASP (RedotX UAB, Lithuania FCIS); MSB registrations (US/Canada)", |
| "founders": "Michael Gao", |
| "funding": "~$90M raised", |
| "terms_url": "https://www.redotpay.com/en/terms/", |
| "privacy_url": "https://www.redotpay.com/en/privacy/", |
| "x_handle": "RedotPay", |
| "countries": [ |
| "Hong Kong", |
| "Singapore", |
| "Brazil", |
| "Argentina", |
| "Nigeria", |
| "Global" |
| ], |
| "volume": { |
| "figure": "$2.95B", |
| "metric": "card volume · 2025 · >4x next 13 combined", |
| "source": "CoinDesk/StraitsX" |
| } |
| }, |
| { |
| "name": "Kolo", |
| "category": "hybrid", |
| "audience": "travel & digital nomads", |
| "region": "Global", |
| "hq": "—", |
| "founded": 2022, |
| "custody": "Custodial", |
| "regulation_type": "VASP / MSB / crypto licences", |
| "card_network": "Visa/MC", |
| "card_type": "Prepaid", |
| "cashback": "2% BTC", |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "kolo.la", |
| "website": "https://kolo.la", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Zero-fee stablecoin card in 170+ countries; nomad favourite.", |
| "licence": "AIFC FinTech Lab licence (Kazakhstan) + Polish VASP; cards issued by Banco Popular de Puerto Rico" |
| }, |
| { |
| "name": "Lava", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "US", |
| "hq": "New York, US", |
| "founded": 2022, |
| "custody": "Custodial", |
| "regulation_type": "Other / mixed", |
| "card_network": "Visa", |
| "card_type": "Secured credit", |
| "cashback": "Up to 5% BTC", |
| "yield": "USD yield on deposits", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "lava.xyz", |
| "website": "https://lava.xyz", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Bitcoin line of credit + card; dropped self-custody (DLC) for cold-storage custody in Sept 2025.", |
| "story": "Started as self-custodial DLC loans, pivoted to custody after a $200M raise — the loudest custody U-turn in bitcoin fintech.", |
| "licence": "Custodial (cold storage, distributed keys) since Sept 2025", |
| "founders": "Shehzan Maredia", |
| "funding": "~$227M raised (Founders Fund, Khosla)", |
| "terms_url": "https://lava.xyz/termsofservice", |
| "privacy_url": "https://lava.xyz/privacypolicy", |
| "x_handle": "lava_xyz", |
| "countries": [ |
| "United States" |
| ], |
| "investors": [ |
| { |
| "name": "Founders Fund", |
| "website": "https://foundersfund.com" |
| }, |
| { |
| "name": "Khosla Ventures", |
| "website": "https://khoslaventures.com" |
| } |
| ] |
| }, |
| { |
| "name": "COCA", |
| "category": "hybrid", |
| "audience": "travel & digital nomads", |
| "region": "Global", |
| "hq": "Dubai, AE", |
| "founded": 2023, |
| "custody": "MPC self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "Visa/MC", |
| "card_type": "Virtual + physical", |
| "cashback": "Up to 8%", |
| "yield": "Real-time DeFi APY", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "coca.xyz", |
| "website": "https://coca.xyz", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "MPC self-banking app: EUR IBAN + card, 75 countries; Wirex-issued cards.", |
| "story": "1M+ users in 75 countries; 'self-banking' — EUR IBAN and card on a wallet only the user controls.", |
| "licence": "MPC self-custody; e-money card partners (UK/EU)", |
| "founders": "Pavel Matveev (Wirex co-founder)", |
| "funding": "Stellar Development Foundation-backed", |
| "terms_url": "https://www.coca.xyz/terms", |
| "privacy_url": "https://www.coca.xyz/privacy", |
| "x_handle": "coca_card", |
| "countries": [ |
| "United Kingdom", |
| "European Union", |
| "UAE", |
| "Global" |
| ], |
| "investors": [ |
| { |
| "name": "Stellar Development Foundation", |
| "website": "https://stellar.org" |
| } |
| ] |
| }, |
| { |
| "name": "Trustee Plus", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Vilnius, LT", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "Licence pending (partner model today)", |
| "card_network": "Visa", |
| "card_type": "Prepaid", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "trusteeglobal.eu", |
| "website": "https://trusteeglobal.eu", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Ukraine-popular crypto card.", |
| "licence": "Lithuanian VASP (UAB Trustee Global); pursuing MiCA CASP licence after Jan 2026 wind-down" |
| }, |
| { |
| "name": "Brighty", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Baar (Zug), CH", |
| "founded": 2021, |
| "custody": "Custodial", |
| "regulation_type": "VASP / MSB / crypto licences", |
| "card_network": "Visa/MC", |
| "card_type": "Virtual + physical", |
| "cashback": "Tiers", |
| "yield": "Up to 10% stablecoin vaults", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "brighty.app", |
| "website": "https://brighty.app", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Swiss hybrid by ex-Revolut engineers: EUR IBANs + crypto in one app, USDC/USDT/EURC vaults; EU/EEA + CH, 350K+ registrations.", |
| "story": "Two ex-Revolut engineers building the Swiss take on the hybrid app: everyday EUR banking with stablecoin vaults up to 10% — custody on Fireblocks, distribution across EU/EEA and Switzerland.", |
| "licence": "Razz Finanzz AG (CH); crypto via Polish VASP registration (Wireflexion); fiat, IBANs and cards via BaaS partners", |
| "founders": "Roger Buerli, Nick Denisenko (ex-Revolut)", |
| "funding": "~$16.3M raised incl. $10M from Futurecraft Ventures (Dec 2024)", |
| "terms_url": "https://brighty.app/en/termsAndPolicies", |
| "privacy_url": "https://brighty.app/en/privacy-policy", |
| "x_handle": "brightyapp", |
| "countries": [ |
| "Switzerland", |
| "EEA" |
| ], |
| "investors": [ |
| { |
| "name": "Futurecraft Ventures", |
| "website": "https://futurecraft.ventures" |
| } |
| ] |
| }, |
| { |
| "name": "UR", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "Global", |
| "hq": "—", |
| "founded": 2023, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa/MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "ur.global", |
| "website": "https://ur.global", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Global stablecoin money app.", |
| "licence": "Swiss fintech banking licence (Art. 1b Banking Act, FINMA; SR Saphirstein AG); tokenized deposits" |
| }, |
| { |
| "name": "XPlace", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "Global", |
| "hq": "Dubai, AE", |
| "founded": 2023, |
| "custody": "Custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "Visa/MC", |
| "card_type": "Prepaid", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "xplace.app", |
| "website": "https://xplace.app", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Crypto card (Pontech issuance).", |
| "licence": "Self-custodial (non-custodial Solana smart contracts); cards issued via Rain (Signify Holdings) under Visa licence" |
| }, |
| { |
| "name": "Mercado Pago", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "Buenos Aires, AR", |
| "founded": 2003, |
| "custody": "Custodial", |
| "regulation_type": "Licence pending (partner model today)", |
| "card_network": "Visa/MC", |
| "card_type": "Debit + credit", |
| "cashback": "In-app offers", |
| "yield": "Remunerated account", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "mercadopago.com", |
| "website": "https://mercadopago.com", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "LatAm super-app; crypto BR/MX; Meli Dollar.", |
| "story": "MercadoLibre's payments arm became LatAm's default wallet; issues the Meli Dollar stable token in Brazil.", |
| "ai": "underwriting", |
| "licence": "Payment/fintech licences region-wide; pursuing MX bank licence", |
| "founders": "Marcos Galperin (MELI)", |
| "funding": "Public (MELI)", |
| "terms_url": "https://www.mercadopago.com.br/ajuda/termos-e-condicoes_300", |
| "privacy_url": "https://www.mercadopago.com.br/privacidade", |
| "x_handle": "mercadopago", |
| "countries": [ |
| "Argentina", |
| "Brazil", |
| "Mexico", |
| "Chile", |
| "Colombia", |
| "Peru", |
| "Uruguay" |
| ], |
| "reported_users": { |
| "value_millions": 78, |
| "metric": "MAU", |
| "as_of": "2025" |
| }, |
| "volume": { |
| "figure": "$278B", |
| "metric": "TPV · FY2025 · +41%", |
| "source": "MELI results" |
| } |
| }, |
| { |
| "name": "Lemon", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "Buenos Aires, AR", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "VASP / MSB / crypto licences", |
| "card_network": "Visa", |
| "card_type": "Prepaid", |
| "cashback": "Up to 2% BTC", |
| "yield": "Yield on stables (region)", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "lemon.me", |
| "website": "https://lemon.me", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "Argentina's crypto-card leader; 3M+.", |
| "story": "Argentina's crypto card leader, born in a Patagonian town, scaled on stablecoin savings culture.", |
| "licence": "Registered VASP/PSAV (CNV Argentina, No. 162); payment account via Digifin S.A.", |
| "founders": "Marcelo Cavazzoli, Borja Martel", |
| "funding": "~$60M raised", |
| "terms_url": "https://www.lemon.me/terms", |
| "x_handle": "lemoncash_ar", |
| "countries": [ |
| "Argentina", |
| "Brazil", |
| "Peru" |
| ] |
| }, |
| { |
| "name": "Belo", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "Buenos Aires, AR", |
| "founded": 2020, |
| "custody": "Custodial", |
| "regulation_type": "VASP / MSB / crypto licences", |
| "card_network": "MC", |
| "card_type": "Prepaid", |
| "cashback": "Crypto cashback", |
| "yield": "Yield on stables", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "belo.app", |
| "website": "https://belo.app", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "AR crypto neobank; travel-friendly.", |
| "licence": "VASP registration (CNV PSAV No. 52, Argentina, Jul 2024)", |
| "founders": "Manuel Beaudroit", |
| "funding": "~$10M raised" |
| }, |
| { |
| "name": "Ripio", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "Buenos Aires, AR", |
| "founded": 2013, |
| "custody": "Custodial", |
| "regulation_type": "VASP / MSB / crypto licences", |
| "card_network": "Visa", |
| "card_type": "Prepaid", |
| "cashback": "Crypto cashback", |
| "yield": "Earn", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "ripio.com", |
| "website": "https://ripio.com", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "LatAm exchange + card (AR/BR/MX).", |
| "licence": "VASP: PSAV registration with CNV Argentina (Nos. 36/37, 2024); regional entities in BR/MX", |
| "founders": "Sebastián Serrano", |
| "funding": "~$90M raised", |
| "investors": [ |
| { |
| "name": "Digital Currency Group", |
| "website": "https://dcg.co" |
| }, |
| { |
| "name": "Pantera Capital", |
| "website": "https://panteracapital.com" |
| }, |
| { |
| "name": "Boost VC", |
| "website": "https://boost.vc" |
| } |
| ] |
| }, |
| { |
| "name": "Buenbit", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "Buenos Aires, AR", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "VASP / MSB / crypto licences", |
| "card_network": "MC", |
| "card_type": "Prepaid", |
| "cashback": "Crypto cashback", |
| "yield": "DAI/USDC yield", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "buenbit.com", |
| "website": "https://buenbit.com", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "Stablecoin-heavy AR exchange + card.", |
| "licence": "VASP — registered PSAV with CNV (Argentina); stablecoin-focused exchange + card", |
| "founders": "Federico Ogue", |
| "funding": "~$11M raised" |
| }, |
| { |
| "name": "Bitso", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "Mexico City, MX", |
| "founded": 2014, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "MC", |
| "card_type": "Debit (MX)", |
| "cashback": "Crypto cashback", |
| "yield": "Yield on stables", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "bitso.com", |
| "website": "https://bitso.com", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "LatAm's largest exchange; remittance rails.", |
| "story": "Mexico's first crypto unicorn; powers a meaningful share of US–MX remittances over stablecoin rails.", |
| "licence": "IFPE (MX) + regional VASP licences", |
| "founders": "Daniel Vogel, Pablo González, Ben Peters", |
| "funding": "~$400M (val $2.2B)", |
| "terms_url": "https://bitso.com/legal/terms-of-service", |
| "privacy_url": "https://bitso.com/legal/privacy-policy", |
| "x_handle": "Bitso", |
| "countries": [ |
| "Mexico", |
| "Argentina", |
| "Brazil", |
| "Colombia" |
| ], |
| "investors": [ |
| { |
| "name": "Tiger Global", |
| "website": "https://tigerglobal.com" |
| }, |
| { |
| "name": "Coatue", |
| "website": "https://coatue.com" |
| }, |
| { |
| "name": "Pantera Capital", |
| "website": "https://panteracapital.com" |
| }, |
| { |
| "name": "QED Investors", |
| "website": "https://qedinvestors.com" |
| }, |
| { |
| "name": "Kaszek", |
| "website": "https://kaszek.com" |
| } |
| ] |
| }, |
| { |
| "name": "DolarApp", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "Mexico City, MX", |
| "founded": 2021, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": "2% USDc on spend", |
| "yield": "Yield on USDc", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "dolarapp.com", |
| "website": "https://dolarapp.com", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "Digital-dollar accounts for LatAm.", |
| "story": "Digital-dollar accounts (USDc) that let LatAm users escape peso volatility with a card.", |
| "licence": "Digital-dollar (USDC) accounts on regulated partner banks' and custodians' rails; rebranded ARQ 2026", |
| "founders": "Fernando Terrés, Zach Garman (ex-Revolut)", |
| "funding": "~$60M+ raised", |
| "terms_url": "https://www.arqfinance.com/en-MX/legal", |
| "privacy_url": "https://www.arqfinance.com/legal/privacy-policy", |
| "x_handle": "DolarApp", |
| "countries": [ |
| "Mexico", |
| "Argentina", |
| "Colombia", |
| "Brazil" |
| ], |
| "investors": [ |
| { |
| "name": "Y Combinator", |
| "website": "https://ycombinator.com" |
| }, |
| { |
| "name": "Kaszek", |
| "website": "https://kaszek.com" |
| } |
| ] |
| }, |
| { |
| "name": "Littio", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "Bogotá, CO", |
| "founded": 2021, |
| "custody": "Custodial", |
| "regulation_type": "Other / mixed", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "USD yield onchain", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "littio.co", |
| "website": "https://littio.co", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "USD accounts for Colombians (onchain rails).", |
| "licence": "On/off-ramp + issuer partners; USD via onchain treasuries" |
| }, |
| { |
| "name": "Meru", |
| "category": "hybrid", |
| "audience": "freelancers & creators", |
| "region": "LatAm", |
| "hq": "Bogotá, CO", |
| "founded": 2021, |
| "custody": "Custodial", |
| "regulation_type": "VASP / MSB / crypto licences", |
| "card_network": "Visa", |
| "card_type": "Virtual + physical", |
| "cashback": null, |
| "yield": "USDC yield", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "getmeru.com", |
| "website": "https://getmeru.com", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "Dollar accounts for LatAm freelancers.", |
| "licence": "MSB registration (FinCEN, R3mit Solutions Inc.); USDC accounts via licensed US/EU partners" |
| }, |
| { |
| "name": "Airtm", |
| "category": "hybrid", |
| "audience": "freelancers & creators", |
| "region": "LatAm", |
| "hq": "Mexico City, MX", |
| "founded": 2015, |
| "custody": "Custodial", |
| "regulation_type": "VASP / MSB / crypto licences", |
| "card_network": "Visa", |
| "card_type": "Virtual", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "airtm.com", |
| "website": "https://airtm.com", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "Dollar wallet + P2P payouts.", |
| "licence": "MSB registration (FinCEN, No. 31000329787639); USDC-based dollar wallet", |
| "founders": "Ruben Galindo, Antonio García", |
| "funding": "~$70M raised", |
| "terms_url": "https://www.airtm.com/en/terms-of-service", |
| "privacy_url": "https://www.airtm.com/en/privacy-policy", |
| "x_handle": "airtm", |
| "countries": [ |
| "Mexico", |
| "Venezuela", |
| "Argentina", |
| "Colombia", |
| "Peru", |
| "Chile", |
| "Brazil" |
| ], |
| "investors": [ |
| { |
| "name": "Ribbit Capital", |
| "website": "https://ribbitcap.com" |
| }, |
| { |
| "name": "BlueYard Capital", |
| "website": "https://blueyard.com" |
| } |
| ] |
| }, |
| { |
| "name": "Félix", |
| "category": "hybrid", |
| "audience": "immigrants & migrants", |
| "region": "LatAm", |
| "hq": "Mexico City, MX", |
| "founded": 2022, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "felixpago.com", |
| "website": "https://felixpago.com", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "Chat-based remittances on stablecoin rails.", |
| "story": "Send dollars home over WhatsApp; stablecoin rails under a chat interface.", |
| "ai": "interface", |
| "licence": "US money transmitter — state licences (NMLS 2302775); agent of UniTeller/Intermex; USDC rails via Bitso", |
| "founders": "Manuel Godoy", |
| "funding": "~$45M raised" |
| }, |
| { |
| "name": "Chipper Cash", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "Africa", |
| "hq": "San Francisco, US", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "Visa", |
| "card_type": "Virtual + physical", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "chippercash.com", |
| "website": "https://chippercash.com", |
| "active_regions": [ |
| "Africa", |
| "North America", |
| "Europe" |
| ], |
| "note": "Pan-African P2P + cards + crypto.", |
| "story": "Ugandan-Ghanaian founders built pan-African P2P; survived the FTX-investor winter and refocused on cards + crypto.", |
| "licence": "Licensed e-money/payments across Africa (CBN, BoG, BoU, BNR); 40+ US money-transmitter licences; FCA EMI (UK)", |
| "founders": "Ham Serunjogi, Maijid Moujaled", |
| "funding": "~$300M raised", |
| "x_handle": "chippercashapp", |
| "countries": [ |
| "Nigeria", |
| "Ghana", |
| "Uganda", |
| "Kenya", |
| "Rwanda", |
| "South Africa", |
| "United States", |
| "United Kingdom" |
| ], |
| "investors": [ |
| { |
| "name": "Ribbit Capital", |
| "website": "https://ribbitcap.com" |
| }, |
| { |
| "name": "Bezos Expeditions", |
| "website": "https://bezosexpeditions.com" |
| }, |
| { |
| "name": "Deciens Capital", |
| "website": "https://deciens.com" |
| } |
| ] |
| }, |
| { |
| "name": "Yellow Card", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "Africa", |
| "hq": "Lagos, NG", |
| "founded": 2016, |
| "custody": "Custodial", |
| "regulation_type": "Other / mixed", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "yellowcard.io", |
| "website": "https://yellowcard.io", |
| "active_regions": [ |
| "Africa" |
| ], |
| "note": "Stablecoin ramps across 20+ African markets.", |
| "story": "Two Auburn students' bitcoin kiosk became Africa's largest stablecoin on/off-ramp.", |
| "licence": "Licensed/registered in 20+ African markets", |
| "founders": "Chris Maurice, Justin Poiroux", |
| "funding": "~$85M raised", |
| "terms_url": "https://yellowcard.io/legal", |
| "privacy_url": "https://yellowcard.io/legal/privacy-policy", |
| "x_handle": "yellowcard_app", |
| "countries": [ |
| "Nigeria", |
| "Kenya", |
| "South Africa", |
| "Ghana", |
| "Uganda", |
| "Tanzania", |
| "Botswana", |
| "Cameroon", |
| "Senegal", |
| "Côte d'Ivoire", |
| "Zambia", |
| "Rwanda", |
| "Malawi", |
| "Gabon", |
| "DR Congo", |
| "Benin", |
| "Togo", |
| "Burkina Faso", |
| "Mali", |
| "Madagascar" |
| ] |
| }, |
| { |
| "name": "Bitnob", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "Africa", |
| "hq": "Lagos, NG", |
| "founded": 2020, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Virtual USD", |
| "cashback": null, |
| "yield": "BTC/USDT savings", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "bitnob.com", |
| "website": "https://bitnob.com", |
| "active_regions": [ |
| "Africa" |
| ], |
| "note": "BTC + stablecoin banking for Africa.", |
| "licence": "VASP applicant under Nigeria SEC's ARIP (approval-in-principle track); licensed partners for rails", |
| "founders": "Bernard Parah" |
| }, |
| { |
| "name": "Eco (Beam)", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "US", |
| "hq": "New York, US", |
| "founded": 2023, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": "Onchain yield", |
| "stablecoins": true, |
| "kyc": "No", |
| "domain": "beam.eco", |
| "website": "https://beam.eco", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Self-custodial dollars; Eco protocol.", |
| "licence": "Self-custodial (Eco protocol)", |
| "founders": "Andy Bromberg" |
| }, |
| { |
| "name": "Deel", |
| "category": "hybrid", |
| "audience": "freelancers & creators", |
| "region": "Global", |
| "hq": "San Francisco, US", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "VASP / MSB / crypto licences", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": "Rewards on DLUSD", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "deel.com", |
| "website": "https://deel.com", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Asia", |
| "Africa", |
| "MENA", |
| "Oceania" |
| ], |
| "note": "1.5M workers; DLUSD on Bridge+Privy+Tempo.", |
| "story": "Payroll for 1.5M global workers; issued its own DLUSD stablecoin on Stripe's Bridge + Privy + Tempo stack.", |
| "licence": "MSB + US state money-transmitter licences (DPayments); US wallet via Alviere/CFSB; DLUSD via Bridge", |
| "founders": "Alex Bouaziz, Shuo Wang", |
| "funding": "~$680M raised", |
| "terms_url": "https://www.deel.com/legal/terms-of-service/", |
| "privacy_url": "https://www.deel.com/legal/privacy-policy/", |
| "x_handle": "deel", |
| "countries": [ |
| "United States", |
| "United Kingdom", |
| "European Union", |
| "Brazil", |
| "India", |
| "Philippines", |
| "Nigeria", |
| "Australia", |
| "Canada", |
| "UAE", |
| "Singapore", |
| "Global" |
| ], |
| "investors": [ |
| { |
| "name": "Andreessen Horowitz", |
| "website": "https://a16z.com" |
| }, |
| { |
| "name": "Spark Capital", |
| "website": "https://sparkcapital.com" |
| }, |
| { |
| "name": "Coatue", |
| "website": "https://coatue.com" |
| }, |
| { |
| "name": "Y Combinator", |
| "website": "https://ycombinator.com" |
| }, |
| { |
| "name": "General Catalyst", |
| "website": "https://generalcatalyst.com" |
| } |
| ] |
| }, |
| { |
| "name": "Meow", |
| "category": "hybrid", |
| "audience": "SMB & startups", |
| "region": "US", |
| "hq": "New York, US", |
| "founded": 2021, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": "Treasury yield", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "meow.com", |
| "website": "https://meow.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "SMB banking born from crypto treasuries.", |
| "licence": "Partner banks (Grasshopper Bank, Cross River Bank); fintech, not a bank; FDIC via partners", |
| "founders": "Brandon Arvanaghi", |
| "funding": "~$40M raised" |
| }, |
| { |
| "name": "Dakota", |
| "category": "web3-native", |
| "audience": "SMB & startups", |
| "region": "US", |
| "hq": "New York, US", |
| "founded": 2023, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "Visa", |
| "card_type": "Business", |
| "cashback": null, |
| "yield": "T-bill-backed balances", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "dakota.xyz", |
| "website": "https://dakota.xyz", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "Business banking on stablecoin rails.", |
| "story": "Business banking where deposits sit in tokenized T-bills onchain — a bank without a bank." |
| }, |
| { |
| "name": "Slash", |
| "category": "hybrid", |
| "audience": "SMB & startups", |
| "region": "US", |
| "hq": "San Francisco, US", |
| "founded": 2021, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Business", |
| "cashback": "Cashback", |
| "yield": "Yield", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "slash.com", |
| "website": "https://slash.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "SMB banking; crypto-native verticals.", |
| "story": "Founded by literal teenagers in 2020, Slash hit unicorn by banking the businesses everyone else rejects — crypto firms, performance marketers, e-commerce — and grew revenue from $10M to $250M+ annualized in 24 months.", |
| "ai": "agentic", |
| "licence": "Partner bank (Column N.A., Member FDIC); previously Piermont Bank", |
| "founders": "Victor Cardenas", |
| "funding": "$160M raised; $100M Series C at $1.4B (Apr 2026, led by Ribbit)", |
| "investors": [ |
| { |
| "name": "Ribbit Capital", |
| "website": "https://ribbitcap.com" |
| }, |
| { |
| "name": "Khosla Ventures", |
| "website": "https://khoslaventures.com" |
| }, |
| { |
| "name": "Goodwater Capital", |
| "website": "https://goodwatercap.com" |
| }, |
| { |
| "name": "NEA", |
| "website": "https://nea.com" |
| }, |
| { |
| "name": "Y Combinator", |
| "website": "https://ycombinator.com" |
| } |
| ] |
| }, |
| { |
| "name": "Flex", |
| "category": "hybrid", |
| "audience": "SMB & startups", |
| "region": "US", |
| "hq": "San Francisco, US", |
| "founded": 2022, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Business charge + credit", |
| "cashback": "Cashback + points", |
| "yield": "Up to ~2.5% APY on idle cash", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "flex.one", |
| "website": "https://flex.one", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "AI-native private banking for business owners; Flex Global moves money in 100+ countries on stablecoin rails.", |
| "story": "Started 2022 as a business credit card, now 'AI-native private banking' for mid-market owners — hit unicorn in July 2026 as Flex Global put invisible stablecoin rails under cross-border payments in 100+ countries.", |
| "licence": "Partner banks (Column, Lead, Thread)", |
| "founders": "Zaid Rahman", |
| "funding": "~$180M equity + $300M debt (val ~$1.2B)", |
| "terms_url": "https://www.flex.one/terms-of-service", |
| "privacy_url": "https://www.flex.one/privacy", |
| "x_handle": "FlexSuperApp", |
| "countries": [ |
| "United States" |
| ], |
| "investors": [ |
| { |
| "name": "Halo Fund", |
| "website": "https://halo.fund" |
| }, |
| { |
| "name": "Portage Ventures", |
| "website": "https://portageinvest.com" |
| }, |
| { |
| "name": "Crosslink Capital", |
| "website": "https://crosslinkcapital.com" |
| }, |
| { |
| "name": "Wellington Management", |
| "website": "https://wellington.com" |
| }, |
| { |
| "name": "Titanium Ventures", |
| "website": "https://titaniumventures.com" |
| } |
| ] |
| }, |
| { |
| "name": "MetaMask", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "Consensys (global)", |
| "founded": 2016, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "MC", |
| "card_type": "Virtual + physical", |
| "cashback": "Card rewards (region)", |
| "yield": "mUSD ~4% (Monad); DeFi-wide", |
| "stablecoins": true, |
| "kyc": "Card only", |
| "domain": "metamask.io", |
| "website": "https://metamask.io", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Default self-custodial wallet; Agent Wallet: Blockaid scanning, tx simulation, MEV protection.", |
| "story": "Born inside Consensys in 2016, the wallet that onboarded a generation to Ethereum — now shipping mUSD, the Card, and Agent Wallet for autonomous finance.", |
| "ai": "agentic", |
| "licence": "Self-custodial software — no banking licence needed; card via licensed issuer partners", |
| "founders": "Aaron Davis, Dan Finlay (Consensys)", |
| "funding": "Consensys ~$725M raised", |
| "terms_url": "https://metamask.io/terms-of-use/", |
| "privacy_url": "https://consensys.io/privacy-notice", |
| "x_handle": "MetaMask", |
| "countries": [ |
| "Global" |
| ], |
| "services": [ |
| "on-ramp", |
| "off-ramp", |
| "crypto-cards", |
| "virtual-cards" |
| ], |
| "investors": [ |
| { |
| "name": "ParaFi Capital", |
| "website": "https://parafi.com" |
| }, |
| { |
| "name": "Temasek", |
| "website": "https://temasek.com.sg" |
| }, |
| { |
| "name": "SoftBank", |
| "website": "https://softbank.jp" |
| }, |
| { |
| "name": "Microsoft (M12)", |
| "website": "https://m12.vc" |
| } |
| ] |
| }, |
| { |
| "name": "Phantom", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "San Francisco, US", |
| "founded": 2021, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": "In-app staking", |
| "stablecoins": true, |
| "kyc": "No", |
| "domain": "phantom.app", |
| "website": "https://phantom.app", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Solana-first multichain wallet; 15M+ users.", |
| "licence": "Self-custodial software", |
| "founders": "Brandon Millman, Chris Kalani, Francesco Agosti", |
| "funding": "~$270M (val $3B)", |
| "terms_url": "https://phantom.app/terms", |
| "privacy_url": "https://phantom.app/privacy", |
| "x_handle": "phantom", |
| "countries": [ |
| "Global" |
| ], |
| "investors": [ |
| { |
| "name": "Paradigm", |
| "website": "https://paradigm.xyz" |
| }, |
| { |
| "name": "Andreessen Horowitz", |
| "website": "https://a16z.com" |
| }, |
| { |
| "name": "Variant", |
| "website": "https://variant.fund" |
| }, |
| { |
| "name": "Jump Crypto", |
| "website": "https://jumpcrypto.com" |
| } |
| ], |
| "reported_users": { |
| "value_millions": 15, |
| "metric": "MAU", |
| "as_of": "2025" |
| } |
| }, |
| { |
| "name": "Solflare", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "Belgrade, RS", |
| "founded": 2017, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "Visa", |
| "card_type": "Wallet + card", |
| "cashback": "Card rewards", |
| "yield": "SOL staking", |
| "stablecoins": true, |
| "kyc": "Card only", |
| "domain": "solflare.com", |
| "website": "https://solflare.com", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Solana-native wallet with card.", |
| "licence": "Self-custodial software; card via issuer partners", |
| "terms_url": "https://solflare.com/terms", |
| "privacy_url": "https://solflare.com/privacy", |
| "x_handle": "solflare_wallet", |
| "countries": [ |
| "Global" |
| ] |
| }, |
| { |
| "name": "Rainbow", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "New York, US", |
| "founded": 2019, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": null, |
| "card_type": null, |
| "cashback": "Points", |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "No", |
| "domain": "rainbow.me", |
| "website": "https://rainbow.me", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Open-source EVM wallet; Ledger/Trezor.", |
| "founders": "Mike Demarais, Christian Baroni, Jin Chung", |
| "funding": "~$18M raised", |
| "terms_url": "https://rainbow.me/terms-of-use", |
| "privacy_url": "https://rainbow.me/privacy", |
| "x_handle": "rainbowdotme", |
| "countries": [ |
| "Global" |
| ], |
| "investors": [ |
| { |
| "name": "Seven Seven Six", |
| "website": "https://sevensevensix.com" |
| } |
| ] |
| }, |
| { |
| "name": "Xverse", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "London, UK", |
| "founded": 2021, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": "Stacks/BTC yield", |
| "stablecoins": true, |
| "kyc": "No", |
| "domain": "xverse.app", |
| "website": "https://xverse.app", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Bitcoin-native: ordinals, Stacks, Lightning.", |
| "founders": "Ken Liao", |
| "funding": "~$10M raised", |
| "terms_url": "https://www.xverse.app/terms", |
| "privacy_url": "https://www.xverse.app/privacy", |
| "x_handle": "xverseApp", |
| "countries": [ |
| "Global" |
| ] |
| }, |
| { |
| "name": "Trust Wallet", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "—", |
| "founded": 2017, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": "Staking", |
| "stablecoins": true, |
| "kyc": "No", |
| "domain": "trustwallet.com", |
| "website": "https://trustwallet.com", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "140M+ installs; Binance-linked self-custody.", |
| "ai": "agentic", |
| "founders": "Viktor Radchenko", |
| "funding": "Binance-owned", |
| "terms_url": "https://trustwallet.com/terms-of-service", |
| "privacy_url": "https://trustwallet.com/privacy-policy", |
| "x_handle": "TrustWallet", |
| "countries": [ |
| "Global" |
| ], |
| "services": [ |
| "on-ramp", |
| "off-ramp" |
| ] |
| }, |
| { |
| "name": "Exodus", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "Omaha, US", |
| "founded": 2015, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": "Staking", |
| "stablecoins": true, |
| "kyc": "No", |
| "domain": "exodus.com", |
| "website": "https://exodus.com", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Public-company self-custody wallet (NYSE American).", |
| "founders": "JP Richardson, Daniel Castagnoli", |
| "funding": "Public (EXOD)", |
| "terms_url": "https://www.exodus.com/terms/", |
| "privacy_url": "https://www.exodus.com/privacy/", |
| "x_handle": "exodus", |
| "countries": [ |
| "Global" |
| ] |
| }, |
| { |
| "name": "Zengo", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "Tel Aviv, IL", |
| "founded": 2018, |
| "custody": "MPC self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "No", |
| "domain": "zengo.com", |
| "website": "https://zengo.com", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "MPC wallet, no seed phrase.", |
| "licence": "MPC self-custody; no seed phrase", |
| "founders": "Ouriel Ohayon + 3", |
| "funding": "~$24M raised", |
| "terms_url": "https://zengo.com/terms-of-use/", |
| "privacy_url": "https://zengo.com/privacy-policy/", |
| "x_handle": "zengo", |
| "countries": [ |
| "Global" |
| ], |
| "services": [ |
| "on-ramp", |
| "off-ramp" |
| ], |
| "investors": [ |
| { |
| "name": "Insight Partners", |
| "website": "https://insightpartners.com" |
| }, |
| { |
| "name": "Samsung Next", |
| "website": "https://samsungnext.com" |
| } |
| ] |
| }, |
| { |
| "name": "Payy", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "New York, US", |
| "founded": 2023, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "Visa", |
| "card_type": "Virtual + physical", |
| "cashback": "Points", |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Card only", |
| "domain": "payy.network", |
| "website": "https://payy.network", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "ZK-private stablecoin L2 + card; ~$220M volume.", |
| "story": "Private-by-default stablecoin payments: balances hidden with zero-knowledge proofs, spendable on a Visa.", |
| "licence": "Self-custodial ZK L2; card via issuer partners", |
| "founders": "Polybase Labs (Sid Gandhi + team)", |
| "terms_url": "https://payy.network/terms", |
| "privacy_url": "https://payy.network/privacy", |
| "x_handle": "payy_link", |
| "countries": [ |
| "Global" |
| ], |
| "volume": { |
| "figure": "~$220M", |
| "metric": "cumulative volume · 2025", |
| "source": "company PR" |
| } |
| }, |
| { |
| "name": "Gnosis Pay", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Zug, CH", |
| "founded": 2023, |
| "custody": "Self-custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "Visa", |
| "card_type": "Virtual + physical", |
| "cashback": "Up to 4% (GNO)", |
| "yield": "DeFi via Safe", |
| "stablecoins": true, |
| "kyc": "Card only", |
| "domain": "gnosispay.com", |
| "website": "https://gnosispay.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Card wired to your own Safe on Gnosis Chain.", |
| "story": "The first onchain bank account: a Visa card wired directly to a Safe smart account on Gnosis Chain.", |
| "licence": "E-money via Monavate (UK/EU); funds in your own Safe", |
| "founders": "Stefan George, Martin Köppelmann", |
| "funding": "~$12.5M raised", |
| "x_handle": "gnosispay", |
| "countries": [ |
| "United Kingdom", |
| "European Union", |
| "Brazil" |
| ], |
| "services": [ |
| "on-ramp", |
| "fiat-payin", |
| "iban", |
| "crypto-cards" |
| ] |
| }, |
| { |
| "name": "Holyheld", |
| "category": "web3-native", |
| "audience": "freelancers & creators", |
| "region": "Europe", |
| "hq": "London, UK", |
| "founded": 2020, |
| "custody": "Self-custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "MC", |
| "card_type": "Virtual + physical", |
| "cashback": "Up to 1% USDC", |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Card only", |
| "domain": "holyheld.com", |
| "website": "https://holyheld.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "IBAN + card on your external wallet; gasless.", |
| "licence": "E-money partners (EU); non-custodial top-ups" |
| }, |
| { |
| "name": "EtherFi Cash", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "Miami, US", |
| "founded": 2025, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "Visa", |
| "card_type": "Virtual + physical", |
| "cashback": "Up to 3%", |
| "yield": "Restaking yield", |
| "stablecoins": true, |
| "kyc": "Card only", |
| "domain": "ether.fi", |
| "website": "https://ether.fi", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Spend against restaked collateral; $145M+ deposits.", |
| "story": "Borrow against restaked ETH at the point of sale — credit without selling your stack.", |
| "licence": "DeFi protocol + issuer partners", |
| "founders": "Mike Silagadze", |
| "funding": "~$32M + token", |
| "terms_url": "https://www.ether.fi/legal/terms-of-use", |
| "privacy_url": "https://www.ether.fi/legal/privacy-policy", |
| "x_handle": "ether_fi", |
| "countries": [ |
| "Global" |
| ], |
| "investors": [ |
| { |
| "name": "CoinFund", |
| "website": "https://coinfund.io" |
| }, |
| { |
| "name": "OKX Ventures", |
| "website": "https://okx.com" |
| } |
| ], |
| "volume": { |
| "figure": "$55.4M", |
| "metric": "annual card spend · 2025 · top Dune cohort", |
| "source": "ChainUp/Dune" |
| } |
| }, |
| { |
| "name": "Avici", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "—", |
| "founded": 2024, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "Visa", |
| "card_type": "Virtual + physical", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Card only", |
| "domain": "avici.money", |
| "website": "https://avici.money", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Self-custody neobank with full Visa access." |
| }, |
| { |
| "name": "Bleap", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "London, UK", |
| "founded": 2024, |
| "custody": "MPC self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "MC", |
| "card_type": "Virtual + physical", |
| "cashback": "Up to 20% promo USDC", |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Card only", |
| "domain": "bleap.finance", |
| "website": "https://bleap.finance", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "MPC key-sharding; zero FX; free ATM tier.", |
| "licence": "MPC self-custody; MC principal member", |
| "founders": "Ex-Revolut founding team" |
| }, |
| { |
| "name": "Tuyo", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "—", |
| "founded": 2023, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": null, |
| "card_type": null, |
| "cashback": "P2P zero-fee", |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Card only", |
| "domain": "itstuyo.com", |
| "website": "https://itstuyo.com", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "USDC on Base for EUR/USD/MXN corridors." |
| }, |
| { |
| "name": "Ready", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "London, UK", |
| "founded": 2018, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "Visa", |
| "card_type": "Metal + virtual", |
| "cashback": "3% in STRK", |
| "yield": "Staking + BTCFi", |
| "stablecoins": true, |
| "kyc": "Card only", |
| "domain": "ready.co", |
| "website": "https://ready.co", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Formerly Argent; smart-account onchain bank.", |
| "story": "Argent pioneered smart-account wallets and social recovery; rebranded to Ready to become an onchain bank.", |
| "founders": "Itamar Lesuisse, Gerald Goldstein", |
| "funding": "~$50M raised (as Argent)", |
| "terms_url": "https://www.ready.co/terms", |
| "privacy_url": "https://www.ready.co/legal/privacy/ready", |
| "x_handle": "ready_co", |
| "countries": [ |
| "United Kingdom", |
| "European Union", |
| "Global" |
| ] |
| }, |
| { |
| "name": "Plasma One", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "—", |
| "founded": 2025, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "Visa", |
| "card_type": "Virtual + physical", |
| "cashback": "Up to 4% XPL", |
| "yield": "10%+ APY USD₮", |
| "stablecoins": true, |
| "kyc": "Card only", |
| "domain": "plasma.to", |
| "website": "https://plasma.to", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Stablecoin neobank on own L1; XPL −94% from high.", |
| "story": "A stablecoin-native neobank running on its own chain — zero-fee USD₮ transfers, though XPL fell ~94% from its high.", |
| "licence": "Own L1; card via issuer partners", |
| "founders": "Paul Faecks", |
| "funding": "~$74M + XPL sale; Tether-linked", |
| "terms_url": "https://www.plasma.to/terms", |
| "privacy_url": "https://www.plasma.to/privacy", |
| "x_handle": "Plasma", |
| "countries": [ |
| "Global" |
| ], |
| "investors": [ |
| { |
| "name": "Founders Fund", |
| "website": "https://foundersfund.com" |
| }, |
| { |
| "name": "Framework Ventures", |
| "website": "https://framework.ventures" |
| }, |
| { |
| "name": "Bitfinex", |
| "website": "https://bitfinex.com" |
| } |
| ] |
| }, |
| { |
| "name": "Tria", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "—", |
| "founded": 2024, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Card only", |
| "domain": "tria.so", |
| "website": "https://tria.so", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Self-custodial money app." |
| }, |
| { |
| "name": "Karta", |
| "category": "web3-native", |
| "audience": "travel & digital nomads", |
| "region": "Global", |
| "hq": "Redwood City, US", |
| "founded": 2020, |
| "custody": "MPC self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "Visa", |
| "card_type": "Virtual + physical", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Card only", |
| "domain": "karta.io", |
| "website": "https://karta.io", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Telegram-first self-custody card (Rain-issued); settles on Tempo; no US.", |
| "story": "25K+ monthly cardholders spending from their own wallet, reconciled on Tempo in under a second.", |
| "licence": "Self-custodial (MPC via Privy); Visa issued by Rain", |
| "founders": "Nik Zimarkov", |
| "terms_url": "https://legal.karta.io/b2c-card-terms", |
| "privacy_url": "https://legal.karta.io/b2c-privacy-policy", |
| "x_handle": "Karta_Personal", |
| "countries": [ |
| "Global" |
| ] |
| }, |
| { |
| "name": "Hyperbeat", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "—", |
| "founded": 2024, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "Visa", |
| "card_type": "Virtual + physical", |
| "cashback": null, |
| "yield": "beatUSD / USD+ yield", |
| "stablecoins": true, |
| "kyc": "Card only", |
| "domain": "hyperbeat.org", |
| "website": "https://hyperbeat.org", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Liquid Banking on Hyperliquid: spend cash or borrow at point of sale via Morpho.", |
| "story": "Banking for the Hyperliquid economy: trade, earn and spend one balance — credit mode borrows via Morpho at the terminal.", |
| "licence": "Self-custodial smart accounts (HyperEVM); Paxos Labs stablecoin infra", |
| "founders": "Kilian Boshoff, 800.HL", |
| "funding": "$5.2M seed at ~$40M (ether.fi Ventures, Electric Capital, Coinbase Ventures)", |
| "terms_url": "https://hyperbeat.org/terms", |
| "privacy_url": "https://hyperbeat.org/privacy", |
| "x_handle": "hyperbeat", |
| "countries": [ |
| "Global" |
| ], |
| "investors": [ |
| { |
| "name": "ether.fi Ventures", |
| "website": "https://ether.fi" |
| }, |
| { |
| "name": "Electric Capital", |
| "website": "https://electriccapital.com" |
| }, |
| { |
| "name": "Coinbase Ventures", |
| "website": "https://coinbase.com" |
| } |
| ] |
| }, |
| { |
| "name": "Cypher", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "—", |
| "founded": 2022, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "Visa", |
| "card_type": "Virtual + physical", |
| "cashback": "Rewards", |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Card only", |
| "domain": "cypherhq.io", |
| "website": "https://cypherhq.io", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Multichain card; also powers Moonwell Card.", |
| "licence": "Self-custodial; principal card programs" |
| }, |
| { |
| "name": "Solayer Emerald", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "—", |
| "founded": 2024, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "Visa", |
| "card_type": "Virtual + physical", |
| "cashback": "Rewards", |
| "yield": "Restaking-linked (sUSD)", |
| "stablecoins": true, |
| "kyc": "Card only", |
| "domain": "solayer.org", |
| "website": "https://solayer.org", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Solana restaking ecosystem card.", |
| "licence": "Self-custodial; Visa principal program" |
| }, |
| { |
| "name": "Exa", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "Buenos Aires, AR", |
| "founded": 2023, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "Visa", |
| "card_type": "Virtual + physical", |
| "cashback": null, |
| "yield": "Onchain credit (Exactly)", |
| "stablecoins": true, |
| "kyc": "Card only", |
| "domain": "exa.app", |
| "website": "https://exa.app", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "DeFi credit + debit on Exactly protocol.", |
| "licence": "DeFi protocol (Exactly); card via partners" |
| }, |
| { |
| "name": "1inch Card", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "Dubai, AE", |
| "founded": 2023, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": "Up to 2%", |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Card only", |
| "domain": "1inch.io", |
| "website": "https://1inch.io", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Wallet-linked card; fees offset rewards.", |
| "licence": "Self-custodial; card via Baanx/Crypto Life", |
| "founders": "Sergej Kunz, Anton Bukov (1inch)" |
| }, |
| { |
| "name": "SafePal", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "Singapore, SG", |
| "founded": 2018, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "MC", |
| "card_type": "Wallet + card", |
| "cashback": null, |
| "yield": "Earn", |
| "stablecoins": true, |
| "kyc": "Card only", |
| "domain": "safepal.com", |
| "website": "https://safepal.com", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Hardware + software wallet with card.", |
| "founders": "Veronica Wong", |
| "funding": "Binance Labs-backed" |
| }, |
| { |
| "name": "Tangem", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "Zug, CH", |
| "founded": 2017, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "Visa", |
| "card_type": "Virtual (physical planned)", |
| "cashback": "Up to 4% (promo)", |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Card only", |
| "domain": "tangem.com", |
| "website": "https://tangem.com", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Card-shaped hardware wallet maker; Tangem Pay spends self-custodial USDC on Polygon — live US/LatAm/APAC/MEA, EU/UK planned.", |
| "story": "Sold millions of card-shaped hardware wallets, then made the wallet itself spendable: Tangem Pay (Dec 2025) turns self-custodied USDC into a Visa — the hardware company quietly becoming a neobank.", |
| "licence": "Self-custodial; funds in a user-controlled smart contract (USDC on Polygon); card by Paera LLC, issued by Third National via Rain", |
| "founders": "Andrey Kurennykh, Andrew Pantyukhin, Andreas Schmucki", |
| "funding": "~$23M raised ($15M SBI Group 2019; Shima Capital 2023)", |
| "terms_url": "https://tangem.com/docs/en/terms-of-service.pdf", |
| "privacy_url": "https://tangem.com/docs/en/privacy-policy.pdf", |
| "x_handle": "tangem", |
| "countries": [ |
| "Global" |
| ], |
| "investors": [ |
| { |
| "name": "SBI Group", |
| "website": "https://sbigroup.co.jp" |
| }, |
| { |
| "name": "Shima Capital", |
| "website": "https://shima.capital" |
| } |
| ] |
| }, |
| { |
| "name": "Bitget Wallet", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "—", |
| "founded": 2018, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "Visa/MC", |
| "card_type": "Prepaid", |
| "cashback": "Promos (up to 8%)", |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Card only", |
| "domain": "web3.bitget.com", |
| "website": "https://web3.bitget.com", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "90M-user wallet; card via DCS/Immersve/Fiat24; WeChat & Alipay; no US/CA.", |
| "story": "The exchange-adjacent wallet pushing hardest into cards — the only one plugged into WeChat Pay and Alipay.", |
| "licence": "Self-custodial; cards via DCS (Asia), Immersve (EU/UK/LatAm), Fiat24 (CN virtual)", |
| "funding": "Bitget ecosystem; $20M+ wallet war-chest", |
| "terms_url": "https://web3.bitget.com/en/terms-of-use", |
| "privacy_url": "https://web3.bitget.com/en/privacy-policy", |
| "x_handle": "BitgetWallet", |
| "countries": [ |
| "Global" |
| ] |
| }, |
| { |
| "name": "BFinance", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "Global", |
| "hq": "Prague, CZ", |
| "founded": 2023, |
| "custody": "Custodial", |
| "regulation_type": "VASP / MSB / crypto licences", |
| "card_network": "Visa/MC", |
| "card_type": "Virtual + physical", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "bfinance.app", |
| "website": "https://bfinance.app", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Telegram-bot cards; ~$20M/mo volume; $10 issue + 2% top-up fees.", |
| "story": "A card programme that lives entirely inside a Telegram bot — crude, fee-heavy, and reportedly moving ~$20M a month anyway.", |
| "licence": "Czech VASP registration; Marqeta-issued cards", |
| "founders": "Knyaz Yussupov", |
| "terms_url": "https://bfinance.app/terms", |
| "privacy_url": "https://bfinance.app/privacy", |
| "countries": [ |
| "Czech Republic", |
| "European Union", |
| "Global" |
| ] |
| }, |
| { |
| "name": "xPortal", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "Sibiu, RO", |
| "founded": 2021, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "MC", |
| "card_type": "Wallet + card", |
| "cashback": "Cashback", |
| "yield": "Staking", |
| "stablecoins": true, |
| "kyc": "Card only", |
| "domain": "xportal.com", |
| "website": "https://xportal.com", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "MultiversX super-app wallet + card.", |
| "founders": "MultiversX (Beniamin & Lucian Mincu)" |
| }, |
| { |
| "name": "Avalanche Card", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "—", |
| "founded": 2024, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Card only", |
| "domain": "avax.network", |
| "website": "https://avax.network", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Spend AVAX/stables self-custodially.", |
| "licence": "Self-custodial; issuer partners", |
| "founders": "Ava Labs" |
| }, |
| { |
| "name": "MiniPay", |
| "category": "web3-native", |
| "audience": "underbanked", |
| "region": "Global", |
| "hq": "Oslo, NO", |
| "founded": 2023, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "No", |
| "domain": "minipay.to", |
| "website": "https://minipay.to", |
| "active_regions": [ |
| "Africa", |
| "Latin America", |
| "Asia" |
| ], |
| "note": "Opera's Celo wallet; 10M+; PIX/Mercado Pago rails.", |
| "story": "Opera's 2MB stablecoin wallet for the Global South: 10M+ wallets, PIX and Mercado Pago rails, USSD-light design.", |
| "founders": "Opera (built on Celo)", |
| "terms_url": "https://www.minipay.to/terms", |
| "privacy_url": "https://minipay.to/privacy-statement", |
| "x_handle": "MiniPay", |
| "countries": [ |
| "Nigeria", |
| "Kenya", |
| "Ghana", |
| "South Africa", |
| "Uganda", |
| "Brazil", |
| "Philippines" |
| ], |
| "reported_users": { |
| "value_millions": 10, |
| "metric": "wallets", |
| "as_of": "2025" |
| } |
| }, |
| { |
| "name": "El Dorado", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "—", |
| "founded": 2022, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "eldorado.io", |
| "website": "https://eldorado.io", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "LatAm USDT P2P ramps (VE/CO/BR/AR/PE).", |
| "story": "USDT P2P marketplace that became Venezuela's parallel dollar bank, expanding across the Andean region.", |
| "founders": "Guillermo Goncalvez" |
| }, |
| { |
| "name": "Oobit", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "Singapore, SG", |
| "founded": 2017, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "Visa/MC", |
| "card_type": "Tap-to-pay + card", |
| "cashback": "Cashback", |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "oobit.com", |
| "website": "https://oobit.com", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Non-custodial pass-through; Tether-backed; Agent Cards for AI agents.", |
| "story": "Tap-to-pay from your own wallet; first corporate crypto card for AI agents (Agent Cards).", |
| "founders": "Amram Adar, Aharon Miller", |
| "funding": "~$25M (Tether-led)", |
| "terms_url": "https://oobit.com/terms-of-service", |
| "privacy_url": "https://www.oobit.com/legal/privacy-notice", |
| "x_handle": "oobit", |
| "countries": [ |
| "Singapore", |
| "European Union", |
| "Global" |
| ] |
| }, |
| { |
| "name": "Peanut", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "Zug, CH", |
| "founded": 2022, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "No", |
| "domain": "peanut.me", |
| "website": "https://peanut.me", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Claim-link crypto transfers; open protocol.", |
| "licence": "Open-source protocol; no custody" |
| }, |
| { |
| "name": "Sling Money", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "London, UK", |
| "founded": 2023, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "sling.money", |
| "website": "https://sling.money", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Wise-alumni stablecoin P2P on Solana.", |
| "story": "Ex-Monzo/Facebook team making stablecoin P2P feel like iMessage, on Solana.", |
| "founders": "Mike Hudack, Simon Amor", |
| "funding": "~$30M raised", |
| "terms_url": "https://sling.money/terms", |
| "privacy_url": "https://sling.money/privacy", |
| "x_handle": "slingmoney", |
| "countries": [ |
| "United States", |
| "United Kingdom", |
| "European Union", |
| "Nigeria", |
| "Kenya", |
| "Global" |
| ], |
| "investors": [ |
| { |
| "name": "Union Square Ventures", |
| "website": "https://usv.com" |
| }, |
| { |
| "name": "Ribbit Capital", |
| "website": "https://ribbitcap.com" |
| }, |
| { |
| "name": "Slow Ventures", |
| "website": "https://slow.co" |
| } |
| ] |
| }, |
| { |
| "name": "Fizen", |
| "category": "web3-native", |
| "audience": "travel & digital nomads", |
| "region": "Asia", |
| "hq": "Ho Chi Minh, VN", |
| "founded": 2022, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "Visa/MC", |
| "card_type": "Virtual + physical", |
| "cashback": "Offers", |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Card only", |
| "domain": "fizen.io", |
| "website": "https://fizen.io", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Tether-invested travel neobank: card + local QR payments across APAC/MENA.", |
| "founders": "Leo Vu", |
| "funding": "Tether-invested" |
| }, |
| { |
| "name": "Startale", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Singapore, SG", |
| "founded": 2023, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "Visa", |
| "card_type": "Virtual + physical (waitlist)", |
| "cashback": "Cashback in USDSC", |
| "yield": "Assets keep earning until spent (vaults)", |
| "stablecoins": true, |
| "kyc": "Card only", |
| "domain": "startale.com", |
| "website": "https://startale.com", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Sony/SBI-backed: self-custodial Visa spends Soneium L2 assets at 150M+ merchants; unveiled at WebX Tokyo 2026.", |
| "story": "The Astar founder's bet that Japan Inc. does onchain banking: a Visa card where Soneium assets keep compounding until the second they're spent, cashback in its own USDSC dollar — and JPYSC, Japan's first trust-bank yen stablecoin, in the same stack.", |
| "licence": "Self-custodial; co-develops Soneium with Sony Block Solutions Labs (Sony Group JV)", |
| "founders": "Sota Watanabe", |
| "funding": "$63M Series A (Mar 2026): $50M SBI Group + $13M Sony Innovation Fund; $7M seed (Sony, Samsung Next, UOB VM)", |
| "terms_url": "https://startale.com/en/terms", |
| "x_handle": "StartaleHQ", |
| "countries": [ |
| "Global" |
| ], |
| "investors": [ |
| { |
| "name": "SBI Group", |
| "website": "https://sbigroup.co.jp" |
| }, |
| { |
| "name": "Sony Innovation Fund", |
| "website": "https://sonyinnovationfund.com" |
| }, |
| { |
| "name": "Samsung Next", |
| "website": "https://samsungnext.com" |
| }, |
| { |
| "name": "UOB Venture Management", |
| "website": "https://uobvm.com.sg" |
| } |
| ] |
| }, |
| { |
| "name": "Deblock", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Paris, FR", |
| "founded": 2022, |
| "custody": "Mixed (fiat custodial + self-custody crypto)", |
| "regulation_type": "Payment institution", |
| "card_network": "Visa", |
| "card_type": "Virtual + physical", |
| "cashback": "Tiers", |
| "yield": "~4% EUR (tiers)", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "deblock.com", |
| "website": "https://deblock.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "French-licensed account + non-custodial wallet.", |
| "story": "A French-licensed current account where the crypto side stays in your own non-custodial wallet — the clearest mixed-custody design in Europe.", |
| "licence": "PSAN + payment institution (ACPR)", |
| "founders": "Jean Meyer + ex-Ledger/Revolut team", |
| "funding": "~€16M raised", |
| "terms_url": "https://deblock.com/legal/terms", |
| "privacy_url": "https://deblock.com/legal/privacy", |
| "x_handle": "DeblockApp", |
| "countries": [ |
| "France", |
| "European Union" |
| ], |
| "investors": [ |
| { |
| "name": "Headline", |
| "website": "https://headline.com" |
| }, |
| { |
| "name": "Hoxton Ventures", |
| "website": "https://hoxtonventures.com" |
| } |
| ] |
| }, |
| { |
| "name": "Stables", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "ANZ", |
| "hq": "Sydney, AU", |
| "founded": 2021, |
| "custody": "Custodial", |
| "regulation_type": "Payment institution", |
| "card_network": "MC", |
| "card_type": "Virtual + physical", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "stables.money", |
| "website": "https://stables.money", |
| "active_regions": [ |
| "Oceania" |
| ], |
| "note": "Spend USDC anywhere Mastercard works.", |
| "licence": "AFSL partners; Mastercard APAC program", |
| "privacy_url": "https://www.stables.money/legal/privacy-policy", |
| "x_handle": "stablesmoney", |
| "countries": [ |
| "Australia", |
| "Singapore", |
| "Philippines", |
| "Global" |
| ] |
| }, |
| { |
| "name": "Fiat24", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Zurich, CH", |
| "founded": 2021, |
| "custody": "Self-custodial", |
| "regulation_type": "Fintech licence (CH)", |
| "card_network": "Visa", |
| "card_type": "Virtual + physical", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "fiat24.com", |
| "website": "https://fiat24.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Swiss-licensed; your account is an NFT on Arbitrum.", |
| "story": "Your bank account is literally an NFT on Arbitrum; Swiss-regulated, onchain-settled.", |
| "licence": "Swiss fintech licence (FINMA)", |
| "privacy_url": "https://fiat24.com/privacy", |
| "x_handle": "Fiat24Official", |
| "countries": [ |
| "Switzerland", |
| "Global" |
| ] |
| }, |
| { |
| "name": "Mine", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Zug, CH", |
| "founded": 2024, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "MC", |
| "card_type": "Virtual (paid tiers soon)", |
| "cashback": null, |
| "yield": "Up to 5% via Aave V3 (opt-in)", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "mine.financial", |
| "website": "https://mine.financial", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Invite-only Swiss self-custody money app: CHF/EUR IBAN in your name settles as USDC in your wallet; card in 175+ countries.", |
| "story": "A Wise/Revolut pitch with the custody inverted: your Swiss IBAN receives francs or euros and they land as Circle USDC in a wallet only you hold — Mine custodies nothing, first 500 convert free.", |
| "licence": "Self-custodial software (EMM Ventures AG, Zug); card via Unblock Atomo SARL, EEA e-money institution; IBAN via regulated Swiss intermediary", |
| "terms_url": "https://mine.financial/terms", |
| "privacy_url": "https://mine.financial/privacy", |
| "x_handle": "Mine_Wallet", |
| "countries": [ |
| "Switzerland", |
| "Global" |
| ] |
| }, |
| { |
| "name": "Infini", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "—", |
| "founded": 2024, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "Visa", |
| "card_type": "Virtual", |
| "cashback": null, |
| "yield": "Stablecoin yield", |
| "stablecoins": true, |
| "kyc": "Card only", |
| "domain": "infini.money", |
| "website": "https://infini.money", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Rebuilt after $49M exploit (Feb 2025).", |
| "story": "Stablecoin card that survived a $49M private-key exploit in Feb 2025 and rebuilt." |
| }, |
| { |
| "name": "Moon", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "—", |
| "founded": 2022, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "Visa", |
| "card_type": "Virtual", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "No", |
| "domain": "paywithmoon.com", |
| "website": "https://paywithmoon.com", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Privacy-lean virtual cards funded with crypto." |
| }, |
| { |
| "name": "Moto", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "US", |
| "hq": "New York, US", |
| "founded": 2025, |
| "custody": "Self-custodial", |
| "regulation_type": "Other / mixed", |
| "card_network": "Visa", |
| "card_type": "Credit (Visa Infinite, waitlist)", |
| "cashback": "5% base, up to 8% top tier", |
| "yield": "2–5% APY on USDC collateral", |
| "stablecoins": true, |
| "kyc": "Card only", |
| "domain": "moto-card.com", |
| "website": "https://moto-card.com", |
| "active_regions": [ |
| "North America" |
| ], |
| "note": "DeFi charge card on Solana: USDC collateral earns yield while backing the credit line; lounge access + subscription rebates.", |
| "story": "A Visa Infinite where the credit line is your own USDC earning 2–5% in smart contracts — 5% cashback at every tier, Netflix/Spotify/FT rebated at the top, settled monthly from collateral.", |
| "licence": "Non-custodial; collateral held in Solana smart contracts, DeFi insurance pool instead of FDIC", |
| "founders": "Shimon Newman, Ramses Bautista (ex-Squads)", |
| "funding": "$1.8M pre-seed (Cyber Fund, Eterna Capital, Dec 2025)", |
| "x_handle": "usemotocard", |
| "countries": [ |
| "United States" |
| ], |
| "investors": [ |
| { |
| "name": "Cyber Fund", |
| "website": "https://cyber.fund" |
| }, |
| { |
| "name": "Eterna Capital", |
| "website": "https://eternacapital.com" |
| } |
| ] |
| }, |
| { |
| "name": "WeFi", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "—", |
| "founded": 2023, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "Visa/MC", |
| "card_type": "Virtual + physical", |
| "cashback": "Token rewards", |
| "yield": "Yield", |
| "stablecoins": true, |
| "kyc": "Card only", |
| "domain": "wefi.xyz", |
| "website": "https://wefi.xyz", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "'Deobank' — deposits stay in user control.", |
| "story": "Deobank thesis: deposits never leave user-controlled onchain accounts.", |
| "founders": "Maksym Sakharov + team" |
| }, |
| { |
| "name": "UglyCash", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "San Juan, PR", |
| "founded": 2023, |
| "custody": "Custodial", |
| "regulation_type": "VASP / MSB / crypto licences", |
| "card_network": "Visa", |
| "card_type": "Virtual + physical", |
| "cashback": "Up to 5%", |
| "yield": "USD yield on stables", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "uglycash.com", |
| "website": "https://uglycash.com", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "LatAm dollar app on stablecoin rails.", |
| "licence": "US MSB + issuer partners" |
| }, |
| { |
| "name": "Decaf", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "—", |
| "founded": 2022, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "Visa", |
| "card_type": "Virtual + physical", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Card only", |
| "domain": "decaf.so", |
| "website": "https://decaf.so", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "Solana-based spending + global payouts.", |
| "licence": "Self-custodial; issuer partners" |
| }, |
| { |
| "name": "SurfCash", |
| "category": "web3-native", |
| "audience": "travel & digital nomads", |
| "region": "Asia", |
| "hq": "—", |
| "founded": 2025, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": "Up to 15% (Perena)", |
| "stablecoins": true, |
| "kyc": "No", |
| "domain": "getsurf.cash", |
| "website": "https://getsurf.cash", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "USDC → VietQR/PromptPay/PIX in ~10s; 0.5% fee; the rails cards can't touch.", |
| "story": "The anti-card thesis: nomads in Vietnam, Thailand and Brazil don't need Visa — they need VietQR, PromptPay and Pix, which cards can't touch. SURF token-governed.", |
| "licence": "Self-custodial (BVI entity); decentralized protocols + licensed local partners; Circle Alliance", |
| "founders": "Akshat Sharma, César Suárez", |
| "terms_url": "https://getsurf.cash/terms", |
| "privacy_url": "https://getsurf.cash/privacy", |
| "x_handle": "SurfCashX", |
| "countries": [ |
| "Vietnam", |
| "Thailand", |
| "Philippines", |
| "Brazil" |
| ] |
| }, |
| { |
| "name": "Onboard", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Africa", |
| "hq": "Lagos, NG", |
| "founded": 2021, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "Visa", |
| "card_type": "Virtual + physical", |
| "cashback": null, |
| "yield": "Onchain yield", |
| "stablecoins": true, |
| "kyc": "Card only", |
| "domain": "onboard.xyz", |
| "website": "https://onboard.xyz", |
| "active_regions": [ |
| "Africa" |
| ], |
| "note": "Self-custody wallet + cards for Africa.", |
| "story": "Self-custody 'deobank' thesis from Lagos: your keys, your dollars, your card.", |
| "founders": "Yele Bademosi", |
| "terms_url": "https://onboard.xyz/terms", |
| "privacy_url": "https://www.onboard.xyz/privacy-policy", |
| "x_handle": "onboardglobal", |
| "countries": [ |
| "Nigeria", |
| "Ghana", |
| "Kenya", |
| "Global" |
| ] |
| }, |
| { |
| "name": "Alpian", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Geneva, CH", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "CHF/EUR interest", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "alpian.com", |
| "website": "https://alpian.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Swiss-licensed digital private bank.", |
| "licence": "Swiss banking licence", |
| "founders": "Schuyler Weiss", |
| "funding": "~CHF200M+ raised", |
| "terms_url": "https://www.alpian.com/legal", |
| "privacy_url": "https://www.alpian.com/privacy-policy", |
| "x_handle": "AlpianBank", |
| "countries": [ |
| "Switzerland" |
| ], |
| "investors": [ |
| { |
| "name": "Intesa Sanpaolo", |
| "website": "https://group.intesasanpaolo.com" |
| }, |
| { |
| "name": "REYL Intesa Sanpaolo", |
| "website": "https://reyl.com" |
| } |
| ] |
| }, |
| { |
| "name": "Yuh", |
| "category": "hybrid", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Gland, CH", |
| "founded": 2021, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": "Swissqoin rewards", |
| "yield": "Savings + invest", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "yuh.com", |
| "website": "https://yuh.com", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Swissquote x PostFinance app; custodial crypto trading.", |
| "licence": "On Swissquote's banking licence", |
| "founders": "Swissquote x PostFinance JV", |
| "terms_url": "https://www.yuh.com/en/legal/", |
| "x_handle": "yuh_app", |
| "countries": [ |
| "Switzerland" |
| ] |
| }, |
| { |
| "name": "neon", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Zurich, CH", |
| "founded": 2017, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "neon-free.ch", |
| "website": "https://neon-free.ch", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Switzerland's leading independent neobank app.", |
| "licence": "Partner: Hypothekarbank Lenzburg", |
| "founders": "Jörg Sandrock + team", |
| "x_handle": "neon_switzerland", |
| "countries": [ |
| "Switzerland" |
| ] |
| }, |
| { |
| "name": "Zak", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Europe", |
| "hq": "Basel, CH", |
| "founded": 2017, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "cler.ch", |
| "website": "https://cler.ch", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Bank Cler's free banking app.", |
| "licence": "Operates under Bank Cler's Swiss banking licence (FINMA)" |
| }, |
| { |
| "name": "Pixpay", |
| "category": "traditional", |
| "audience": "gen alpha · kids & family", |
| "region": "Europe", |
| "hq": "Paris, FR", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "pixpay.fr", |
| "website": "https://pixpay.fr", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Teen card; acquired by GoHenry (2022).", |
| "licence": "E-money distributor — agent of Treezor (ACPR-licensed EMI, Société Générale group); acquired by GoHenry/Acorns", |
| "founders": "Benoit Grassin, Nicolas Klein, Caroline Ménager", |
| "funding": "Acquired by GoHenry (2022)" |
| }, |
| { |
| "name": "Bling", |
| "category": "traditional", |
| "audience": "gen alpha · kids & family", |
| "region": "Europe", |
| "hq": "Berlin, DE", |
| "founded": 2021, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "bling.de", |
| "website": "https://bling.de", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "German family money app.", |
| "licence": "E-money distributor of Treezor (ACPR-licensed French EMI, Société Générale group)" |
| }, |
| { |
| "name": "Kit", |
| "category": "traditional", |
| "audience": "gen alpha · kids & family", |
| "region": "ANZ", |
| "hq": "Sydney, AU", |
| "founded": 2022, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "MC", |
| "card_type": "Prepaid", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "heykit.com.au", |
| "website": "https://heykit.com.au", |
| "active_regions": [ |
| "Oceania" |
| ], |
| "note": "CommBank's kids' money app (x15ventures).", |
| "licence": "On CBA rails", |
| "founders": "CommBank x15ventures" |
| }, |
| { |
| "name": "Douugh", |
| "category": "traditional", |
| "audience": "general", |
| "region": "ANZ", |
| "hq": "Sydney, AU", |
| "founded": 2016, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "douugh.com", |
| "website": "https://douugh.com", |
| "active_regions": [ |
| "Oceania" |
| ], |
| "note": "ASX-listed money app (AU/US).", |
| "licence": "Partner banks (Regional Australia Bank; US via Choice Bank)", |
| "funding": "Public (ASX:DOU)" |
| }, |
| { |
| "name": "Parpera", |
| "category": "traditional", |
| "audience": "freelancers & creators", |
| "region": "ANZ", |
| "hq": "Sydney, AU", |
| "founded": 2020, |
| "custody": "Custodial", |
| "regulation_type": "Payment institution", |
| "card_network": "MC", |
| "card_type": "Business debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "parpera.com", |
| "website": "https://parpera.com", |
| "active_regions": [ |
| "Oceania" |
| ], |
| "note": "Money app for sole traders.", |
| "licence": "AFSL authorised representative (MSC Advisory AFSL 480649); accounts issued by Wise Australia (AFSL 513764)", |
| "founders": "Daniel Cannizzaro" |
| }, |
| { |
| "name": "Aspire", |
| "category": "traditional", |
| "audience": "SMB & startups", |
| "region": "Asia", |
| "hq": "Singapore, SG", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "Payment institution", |
| "card_network": "Visa", |
| "card_type": "Business debit", |
| "cashback": "1% select", |
| "yield": "Yield on idle cash", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "aspireapp.com", |
| "website": "https://aspireapp.com", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "SEA's all-in-one SMB finance OS.", |
| "licence": "MPI (MAS)", |
| "founders": "Andrea Baronchelli + 3", |
| "funding": "~$300M raised", |
| "terms_url": "https://aspireapp.com/tnc/master-service-agreement", |
| "privacy_url": "https://aspireapp.com/privacy-policy", |
| "x_handle": "AspireApp", |
| "countries": [ |
| "Singapore", |
| "Hong Kong", |
| "Indonesia", |
| "Vietnam" |
| ], |
| "investors": [ |
| { |
| "name": "Peak XV Partners", |
| "website": "https://peakxv.com" |
| }, |
| { |
| "name": "Lightspeed", |
| "website": "https://lsvp.com" |
| }, |
| { |
| "name": "Y Combinator", |
| "website": "https://ycombinator.com" |
| }, |
| { |
| "name": "Tencent", |
| "website": "https://www.tencent.com" |
| }, |
| { |
| "name": "PayPal Ventures", |
| "website": "https://paypal.com" |
| } |
| ] |
| }, |
| { |
| "name": "YouTrip", |
| "category": "traditional", |
| "audience": "travel & digital nomads", |
| "region": "Asia", |
| "hq": "Singapore, SG", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "MC", |
| "card_type": "Prepaid multicurrency", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "you.co", |
| "website": "https://you.co", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Travel wallet for SG/TH/MY.", |
| "licence": "Major Payment Institution (MPI) licence from MAS, Singapore — e-money issuance; funds safeguarded at DBS/StanChart/UOB", |
| "founders": "Caecilia Chu, Arthur Mak", |
| "funding": "~$100M+ raised", |
| "x_handle": "YouTripApp", |
| "countries": [ |
| "Singapore", |
| "Thailand", |
| "Malaysia" |
| ], |
| "investors": [ |
| { |
| "name": "Lightspeed", |
| "website": "https://lsvp.com" |
| }, |
| { |
| "name": "Insignia Ventures", |
| "website": "https://insignia.vc" |
| } |
| ] |
| }, |
| { |
| "name": "Mashreq Neo", |
| "category": "traditional", |
| "audience": "general", |
| "region": "MENA", |
| "hq": "Dubai, AE", |
| "founded": 2017, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": "Rewards", |
| "yield": "Savers", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "mashreqneo.com", |
| "website": "https://mashreqneo.com", |
| "active_regions": [ |
| "MENA" |
| ], |
| "note": "Mashreq's digital bank.", |
| "licence": "Bank (Mashreq)" |
| }, |
| { |
| "name": "Nomad", |
| "category": "traditional", |
| "audience": "travel & digital nomads", |
| "region": "LatAm", |
| "hq": "São Paulo, BR", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "MC", |
| "card_type": "Debit (US account)", |
| "cashback": null, |
| "yield": "USD yield", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "nomadglobal.com", |
| "website": "https://nomadglobal.com", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "US accounts + investing for Brazilians.", |
| "licence": "Partner bank (Community Federal Savings Bank, US); FX via Ouribank (Brazil)", |
| "founders": "Lucas Vargas, Patrick Sigrist", |
| "funding": "~$60M raised", |
| "terms_url": "https://www.nomadglobal.com/legal", |
| "x_handle": "nomadglobal", |
| "countries": [ |
| "Brazil", |
| "United States" |
| ], |
| "investors": [ |
| { |
| "name": "Stripes", |
| "website": "https://stripes.co" |
| }, |
| { |
| "name": "Monashees", |
| "website": "https://monashees.com" |
| }, |
| { |
| "name": "Spark Capital", |
| "website": "https://sparkcapital.com" |
| }, |
| { |
| "name": "Tiger Global", |
| "website": "https://tigerglobal.com" |
| } |
| ] |
| }, |
| { |
| "name": "Daimo", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "New York, US", |
| "founded": 2023, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "No", |
| "domain": "daimo.com", |
| "website": "https://daimo.com", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Open-source self-custodial USDC wallet.", |
| "story": "Open-source USDC wallet born from Devconnect payments frustration; passkey-secured, no seed phrase.", |
| "licence": "Open-source self-custodial software", |
| "founders": "DC Posch, Nalin Bhardwaj", |
| "funding": "~$7M raised", |
| "terms_url": "https://daimo.com/terms-of-use", |
| "privacy_url": "https://daimo.com/privacy", |
| "x_handle": "daimo_eth", |
| "countries": [ |
| "Global" |
| ] |
| }, |
| { |
| "name": "Vision Bank", |
| "category": "traditional", |
| "audience": "faith-based", |
| "region": "MENA", |
| "hq": "Riyadh, SA", |
| "founded": 2024, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Mada/Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": "Shariah-compliant", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "visionbank.sa", |
| "website": "https://visionbank.sa", |
| "active_regions": [ |
| "MENA" |
| ], |
| "note": "Saudi Arabia's third licensed digital bank.", |
| "licence": "Full Saudi digital bank licence (SAMA); full operations approved Sep 2025", |
| "terms_url": "https://www.visionbank.sa/terms", |
| "privacy_url": "https://www.visionbank.sa/privacy", |
| "x_handle": "VisionBankSA", |
| "countries": [ |
| "Saudi Arabia" |
| ] |
| }, |
| { |
| "name": "Beyon Money", |
| "category": "traditional", |
| "audience": "general", |
| "region": "MENA", |
| "hq": "Manama, BH", |
| "founded": 2022, |
| "custody": "Custodial", |
| "regulation_type": "Payment institution", |
| "card_network": "Visa", |
| "card_type": "Debit + wealth", |
| "cashback": "Rewards", |
| "yield": "Savers", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "beyonmoney.com", |
| "website": "https://beyonmoney.com", |
| "active_regions": [ |
| "MENA" |
| ], |
| "note": "Bahrain telco-backed financial super-app.", |
| "licence": "CBB-licensed payment institution group (Batelco Financial Services: PSP/AISP/PISP; BRS money changer; investment Cl.2)", |
| "x_handle": "beyonmoney", |
| "countries": [ |
| "Bahrain" |
| ] |
| }, |
| { |
| "name": "Fasset", |
| "category": "hybrid", |
| "audience": "faith-based", |
| "region": "MENA", |
| "hq": "Dubai, AE", |
| "founded": 2019, |
| "custody": "Custodial", |
| "regulation_type": "Licensed bank", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": "Rewards", |
| "yield": "Yield on assets", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "fasset.com", |
| "website": "https://fasset.com", |
| "active_regions": [ |
| "MENA" |
| ], |
| "note": "Ethical digital-asset super-app; UAE/ID/MY corridors.", |
| "licence": "VARA VASP licence (Dubai, broker-dealer); provisional Islamic digital-bank licence in Malaysia", |
| "terms_url": "https://www.fasset.com/terms", |
| "privacy_url": "https://www.fasset.com/privacy", |
| "x_handle": "fassetofficial", |
| "countries": [ |
| "UAE", |
| "Indonesia", |
| "Malaysia", |
| "Türkiye" |
| ] |
| }, |
| { |
| "name": "Kontigo", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "LatAm", |
| "hq": "—", |
| "founded": 2024, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Visa", |
| "card_type": "Virtual + physical", |
| "cashback": null, |
| "yield": "USDC yield", |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "kontigo.lat", |
| "website": "https://kontigo.lat", |
| "active_regions": [ |
| "Latin America" |
| ], |
| "note": "USDC neobank for Venezuela + LatAm corridors.", |
| "story": "Ex-Venmo/Nubank/Rappi team hit $30M annualized revenue, $1B payment volume and 1M users in under 12 months — with six engineers and one designer.", |
| "licence": "Self-custodial MPC wallet (USDC); no licence of its own; fiat rails via partners", |
| "founders": "Jesus Castillo, Gino Guatavita", |
| "funding": "$20M seed (Dec 2025; DST Global, Y Combinator, Coinbase Ventures)", |
| "privacy_url": "https://www.kontigo.lat/privacy", |
| "x_handle": "kontigoapp", |
| "countries": [ |
| "Venezuela", |
| "Colombia", |
| "Mexico" |
| ], |
| "investors": [ |
| { |
| "name": "DST Global", |
| "website": "https://dst-global.com" |
| }, |
| { |
| "name": "Y Combinator", |
| "website": "https://ycombinator.com" |
| }, |
| { |
| "name": "Coinbase Ventures", |
| "website": "https://coinbase.com" |
| }, |
| { |
| "name": "Soma Capital", |
| "website": "https://somacap.com" |
| } |
| ] |
| }, |
| { |
| "name": "Veera", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "Singapore, SG", |
| "founded": 2023, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": null, |
| "card_type": null, |
| "cashback": "Card rewards", |
| "yield": "Vault yield 3–10% across 40 chains", |
| "stablecoins": true, |
| "kyc": "Card only", |
| "domain": "veera.com", |
| "website": "https://veera.com", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Onchain neobank: earn, invest (tokenized equities, gold, RWAs), borrow and spend self-custodially; 2M+ users in 187 countries, 30K cards.", |
| "story": "A serial founder with three exits is folding wallet, broker and bank into one self-custodial app — multichain vaults across 40 chains, tokenized gold and equities, and a card waitlist at 30K before the VEERA token even launched.", |
| "licence": "Self-custodial; passkey-secured non-exportable keys", |
| "founders": "Sukhdeep Bhogal", |
| "funding": "$10M pre-seed + seed (6th Man Ventures, Sigma Capital, CMCC Titan Fund)", |
| "terms_url": "https://veera.com/terms", |
| "privacy_url": "https://veera.com/privacy", |
| "x_handle": "On_Veera", |
| "countries": [ |
| "Global" |
| ], |
| "investors": [ |
| { |
| "name": "6th Man Ventures", |
| "website": "https://6thman.ventures" |
| }, |
| { |
| "name": "CMCC Global", |
| "website": "https://cmcc.vc" |
| }, |
| { |
| "name": "Sigma Capital", |
| "website": "https://sigmavc.com" |
| }, |
| { |
| "name": "Cypher Capital", |
| "website": "https://cyphercapital.com" |
| } |
| ] |
| }, |
| { |
| "name": "Rizon", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "—", |
| "founded": 2024, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "Visa", |
| "card_type": "Virtual + physical", |
| "cashback": null, |
| "yield": "Stablecoin yield", |
| "stablecoins": true, |
| "kyc": "Card only", |
| "domain": "rizon.co", |
| "website": "https://rizon.co", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Stablecoin banking app on self-custody rails." |
| }, |
| { |
| "name": "AllScale", |
| "category": "web3-native", |
| "audience": "SMB & startups", |
| "region": "Global", |
| "hq": "—", |
| "founded": 2024, |
| "custody": "Custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": "Visa", |
| "card_type": "Business", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": true, |
| "kyc": "Yes", |
| "domain": "allscale.io", |
| "website": "https://allscale.io", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Stablecoin business banking for global SMBs.", |
| "licence": "Self-custodial stablecoin platform; not a bank; compliance and settlement via licensed partners" |
| }, |
| { |
| "name": "Nyla", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Africa", |
| "hq": "Lagos, NG", |
| "founded": 2024, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "Verve/MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "nyla.africa", |
| "website": "https://nyla.africa", |
| "active_regions": [ |
| "Africa" |
| ], |
| "note": "Nigerian consumer neobank (new wave).", |
| "licence": "Partner banks — tech company, not a bank; launching in Ghana via a licensed commercial bank (Islamic window)" |
| }, |
| { |
| "name": "Munify", |
| "category": "traditional", |
| "audience": "immigrants & migrants", |
| "region": "MENA", |
| "hq": "Cairo, EG", |
| "founded": 2024, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "MC", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "munify.app", |
| "website": "https://munify.app", |
| "active_regions": [ |
| "MENA" |
| ], |
| "note": "Banking for Egyptian diaspora + remittances.", |
| "licence": "US accounts via partner banks; in-principle DFSA licence approval (UAE, Nov 2025)" |
| }, |
| { |
| "name": "Moneco", |
| "category": "traditional", |
| "audience": "immigrants & migrants", |
| "region": "Europe", |
| "hq": "Paris, FR", |
| "founded": 2022, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "Visa", |
| "card_type": "Debit", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "moneco.app", |
| "website": "https://moneco.app", |
| "active_regions": [ |
| "Europe" |
| ], |
| "note": "Neobank for African diaspora in Europe.", |
| "licence": "Accounts and cards via regulated EMI partners (Europe/US); Moneco Canada registered with FINTRAC", |
| "terms_url": "https://moneco.app/terms", |
| "x_handle": "moneco_app", |
| "countries": [ |
| "France", |
| "Belgium", |
| "Germany" |
| ] |
| }, |
| { |
| "name": "Superform", |
| "category": "web3-native", |
| "audience": "general", |
| "region": "Global", |
| "hq": "—", |
| "founded": 2023, |
| "custody": "Self-custodial", |
| "regulation_type": "Self-custodial software", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": "Cross-chain vault yield", |
| "stablecoins": true, |
| "kyc": "No", |
| "domain": "superform.xyz", |
| "website": "https://superform.xyz", |
| "active_regions": [ |
| "North America", |
| "Europe", |
| "Latin America", |
| "Africa", |
| "MENA", |
| "Asia", |
| "Oceania" |
| ], |
| "note": "Self-custodial onchain yield 'savings account'." |
| }, |
| { |
| "name": "Baraka", |
| "category": "traditional", |
| "audience": "general", |
| "region": "MENA", |
| "hq": "Dubai, AE", |
| "founded": 2021, |
| "custody": "Custodial", |
| "regulation_type": "Broker-led", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "getbaraka.com", |
| "website": "https://getbaraka.com", |
| "active_regions": [ |
| "MENA" |
| ], |
| "note": "MENA retail investing app expanding to money features.", |
| "licence": "DFSA-regulated investment firm (DIFC, ref. 4153); broker-led model, execution via licensed partners" |
| }, |
| { |
| "name": "GCash", |
| "category": "traditional", |
| "audience": "underbanked", |
| "region": "Asia", |
| "hq": "Manila, PH", |
| "founded": 2004, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "Visa", |
| "card_type": "Debit (GCash Card)", |
| "cashback": null, |
| "yield": "GSave up to 2.6%", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "gcash.com", |
| "website": "https://gcash.com", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "The Philippines' super-app wallet; ~94M users, GCredit + GSave make it bank-like.", |
| "ai": "underwriting", |
| "licence": "E-money issuer licence (EMI-NBFI, Bangko Sentral ng Pilipinas) via G-Xchange Inc.; Mynt group", |
| "investors": [ |
| { |
| "name": "Globe Telecom", |
| "website": "https://globe.com.ph" |
| }, |
| { |
| "name": "Ant Group", |
| "website": "https://antgroup.com" |
| }, |
| { |
| "name": "Warburg Pincus", |
| "website": "https://warburgpincus.com" |
| }, |
| { |
| "name": "Insight Partners", |
| "website": "https://insightpartners.com" |
| } |
| ], |
| "reported_users": { |
| "value_millions": 94, |
| "metric": "users", |
| "as_of": "2024" |
| } |
| }, |
| { |
| "name": "PhonePe", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Bengaluru, IN", |
| "founded": 2015, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "RuPay/UPI", |
| "card_type": "UPI + cards", |
| "cashback": "Rewards", |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "phonepe.com", |
| "website": "https://phonepe.com", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "India's UPI giant — 600M+ registered; wallets, deposits marketplace, insurance.", |
| "licence": "RBI PPI wallet (e-money issuer) + payment aggregator licence (2025); IRDAI insurance broking", |
| "investors": [ |
| { |
| "name": "Walmart", |
| "website": "https://walmart.com" |
| }, |
| { |
| "name": "General Atlantic", |
| "website": "https://generalatlantic.com" |
| }, |
| { |
| "name": "Ribbit Capital", |
| "website": "https://ribbitcap.com" |
| }, |
| { |
| "name": "Tiger Global", |
| "website": "https://tigerglobal.com" |
| }, |
| { |
| "name": "Qatar Investment Authority", |
| "website": "https://qia.qa" |
| } |
| ], |
| "reported_users": { |
| "value_millions": 200, |
| "metric": "MAU", |
| "as_of": "2025" |
| } |
| }, |
| { |
| "name": "Paytm", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Noida, IN", |
| "founded": 2010, |
| "custody": "Custodial", |
| "regulation_type": "Partner-bank model", |
| "card_network": "RuPay", |
| "card_type": "Wallet + UPI", |
| "cashback": "Cashback offers", |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "paytm.com", |
| "website": "https://paytm.com", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "India's OG super-app wallet; payments bank wound down, wallet + UPI live on.", |
| "licence": "UPI TPAP riding on partner banks (Axis, Yes Bank, SBI, HDFC); wallet wound down with bank unit", |
| "investors": [ |
| { |
| "name": "SoftBank", |
| "website": "https://softbank.jp" |
| }, |
| { |
| "name": "Ant Group", |
| "website": "https://antgroup.com" |
| }, |
| { |
| "name": "Alibaba", |
| "website": "https://alibabagroup.com" |
| }, |
| { |
| "name": "Elevation Capital", |
| "website": "https://elevationcapital.com" |
| } |
| ] |
| }, |
| { |
| "name": "GrabPay", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Singapore, SG", |
| "founded": 2016, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "MC (GrabPay Card)", |
| "card_type": "Prepaid", |
| "cashback": "GrabRewards", |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "grab.com", |
| "website": "https://grab.com", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "SEA super-app wallet across 8 countries; sibling of GXS Bank.", |
| "licence": "Major payment institution (MPI) licence (MAS Singapore, PS20200167); e-money issuer" |
| }, |
| { |
| "name": "GoPay", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Jakarta, ID", |
| "founded": 2016, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": null, |
| "card_type": null, |
| "cashback": "GoPay Coins", |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "gopay.co.id", |
| "website": "https://gopay.co.id", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "GoTo's wallet; Indonesia's ride-hail-born money app, Jago-partnered.", |
| "licence": "E-money issuer licensed by Bank Indonesia (PT Dompet Anak Bangsa, since 2014); PJP Category 1; Bank Jago partner" |
| }, |
| { |
| "name": "OVO", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Jakarta, ID", |
| "founded": 2017, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": null, |
| "card_type": null, |
| "cashback": "OVO Points", |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "ovo.id", |
| "website": "https://ovo.id", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Grab-backed Indonesian e-wallet with investing + lending layers.", |
| "licence": "Bank Indonesia e-money licence (PT Visionet Internasional, 2017); QRIS + funds-transfer licences", |
| "investors": [ |
| { |
| "name": "Grab", |
| "website": "https://grab.com" |
| } |
| ] |
| }, |
| { |
| "name": "DANA", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Jakarta, ID", |
| "founded": 2018, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "dana.id", |
| "website": "https://dana.id", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Ant-backed Indonesian wallet; 180M+ registered users.", |
| "licence": "E-money issuer licence (Bank Indonesia)", |
| "investors": [ |
| { |
| "name": "Ant Group", |
| "website": "https://antgroup.com" |
| }, |
| { |
| "name": "Emtek", |
| "website": "https://emtek.co.id" |
| } |
| ] |
| }, |
| { |
| "name": "TrueMoney", |
| "category": "traditional", |
| "audience": "underbanked", |
| "region": "Asia", |
| "hq": "Bangkok, TH", |
| "founded": 2003, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "Visa/MC", |
| "card_type": "Prepaid", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "truemoney.com", |
| "website": "https://truemoney.com", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "CP Group's wallet across 7 SEA markets; Thailand's biggest.", |
| "ai": "underwriting", |
| "licence": "E-money licence (Bank of Thailand) via Ascend Money; local e-money/payments licences across 7 SEA markets", |
| "investors": [ |
| { |
| "name": "CP Group", |
| "website": "https://cpgroupglobal.com" |
| }, |
| { |
| "name": "Ant Group", |
| "website": "https://antgroup.com" |
| } |
| ] |
| }, |
| { |
| "name": "MoMo", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Ho Chi Minh City, VN", |
| "founded": 2013, |
| "custody": "Custodial", |
| "regulation_type": "Payment institution", |
| "card_network": null, |
| "card_type": null, |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "momo.vn", |
| "website": "https://momo.vn", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Vietnam's leading e-wallet; 30M+ users, investments + savings.", |
| "ai": "underwriting", |
| "licence": "Intermediary payment services / e-wallet licence from State Bank of Vietnam; mobile money super-app", |
| "investors": [ |
| { |
| "name": "Warburg Pincus", |
| "website": "https://warburgpincus.com" |
| }, |
| { |
| "name": "Goldman Sachs", |
| "website": "https://goldmansachs.com" |
| }, |
| { |
| "name": "Mizuho", |
| "website": "https://mizuhogroup.com" |
| } |
| ] |
| }, |
| { |
| "name": "ZaloPay", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Ho Chi Minh City, VN", |
| "founded": 2016, |
| "custody": "Custodial", |
| "regulation_type": "Payment institution", |
| "card_network": "Visa", |
| "card_type": "Wallet + card", |
| "cashback": null, |
| "yield": null, |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "zalopay.vn", |
| "website": "https://zalopay.vn", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "VNG's wallet riding Zalo, Vietnam's biggest chat app.", |
| "licence": "Licensed payment institution (SBV intermediary payment services licence 04/GP-NHNN); Zion/VNG e-wallet" |
| }, |
| { |
| "name": "Touch 'n Go eWallet", |
| "category": "traditional", |
| "audience": "general", |
| "region": "Asia", |
| "hq": "Kuala Lumpur, MY", |
| "founded": 2017, |
| "custody": "Custodial", |
| "regulation_type": "E-money institution", |
| "card_network": "Visa", |
| "card_type": "Prepaid", |
| "cashback": null, |
| "yield": "GO+ ~3%", |
| "stablecoins": false, |
| "kyc": "Yes", |
| "domain": "touchngo.com.my", |
| "website": "https://touchngo.com.my", |
| "active_regions": [ |
| "Asia" |
| ], |
| "note": "Malaysia's toll-born wallet turned everyday money app; Ant-backed.", |
| "licence": "E-money issuer licence (Bank Negara Malaysia)" |
| } |
| ] |
| } |
|
|
