the changelog
every change to the dataset
A directory is only as good as its maintenance, so the maintenance is public. Below: what we shipped for you, then every change to the data itself.
product & platform
New surfaces, fields and capabilities — things you can now do that you couldn't a week ago.
September 14, 2026fix
Every page told the truth about when it last changed
Dates on this site track the data, not the build — a page says "updated 2026-09-11" because that is when its facts last moved, and claiming otherwise would be claiming freshness we did not earn. One of the five crons had been quietly breaking that: it rebuilt the site from a shallow clone, where the git history the builders read the dates out of is simply absent, so it fell back to stamping its own run date across 3,300 pages and committing it. The daily rebuild corrected them at 05:41 and this undid it at 06:07, every day. Both the dates and the check that should have caught it are fixed.
September 11, 2026data
Nubank enters the US — and the dataset catches up
Nu launched US products on 10 September through a partner bank while its conditional OCC charter is organised, and reported 139M customers in Q2 2026 — its first quarter above $1B in net income. The profile now carries the new figure, the United States in its availability, and the partner-bank arrangement alongside its three banking licences. The wider point got a post: in the US only 10 of the 61 neobanks we track hold their own charter.
August 19, 2026new
Six more chapter seats open
The chapter model goes global: Latin America, Asia, Europe, North America, MENA and Oceania each get their own radar page — regional stats, category mix, country breakdown and full roster computed from the dataset, with the steward seat open — plus a dotted continent map per chapter, HQ countries lit in the wave colors. Same trial everywhere: four sourced radar entries plus one audit pass of the region's rows puts your name on the page.
August 18, 2026new
The Africa chapter: an on-ground neobank radar
Most coverage of African fintech is written from London or San Francisco. The new Africa Neobank Radar is the opposite: a running, sourced log of the developments that matter across African digital banking — maintained on the ground, versioned in the open repo, reviewed like every other change. It debuts the chapter model: radar + data stewardship of the region's rows, earned through four sourced entries and a full audit pass. LatAm, Southeast Asia, MENA — the seats are open.
August 17, 2026new
A menu that breathes + a grouped footer
The header's eight flat links become three direct links and a ☰ menu that slides a full-height panel in over the page — every surface on the site, grouped by intent (find a bank / research / data), reachable from anywhere in one tap. The footer's 24-link row becomes four labeled columns. Native HTML details underneath: crawlable, no JS required, Esc/scrim/outside-click to close.
August 17, 2026new
The graveyard — dead neobanks, archived not deleted
Why a neobank fails is worth more than why one succeeds, so delistings now move to a permanent archive instead of vanishing: full last-known profile, delisting date and the cause of death, traced (partner-rail exits, acquisitions, a regulator liquidation). Machine-readable too, as the graveyard array in data.json.
August 17, 2026new
How AI perceives the neobanks: 10 spirit animals
A lighter one: we asked a locally-run image model what animal each neobank evokes — no brand briefs, no art direction. Revolut came back an octopus with a tentacle in everything, MetaMask a fox holding the keys, WeBank a dragon. All ten portraits plus a poster, free to share with attribution.
August 16, 2026new
Ask AI — agent mode for the whole dataset
Type any neobank question and hand it to ChatGPT, Claude or Perplexity with one click — pre-instructed to answer from the open dataset, cite the profile page behind every claim, explain who legally holds the money, and say "unverified" instead of guessing. The zero-typing alternative stays at find-your-fit; power users get the MCP server.
August 14, 2026fix
One-step report download
The report gate now completes in one flow on the page: subscribe in the embedded form and the PDF download starts the moment you finish — no redirect to Substack, no second tab, desktop and mobile alike.
August 13, 2026new
The State of Neobanks № 02 — August
The second monthly report ships — and the first with month-over-month deltas: what changed since July, a "why they died" graveyard page tracing every delisting to its cause (Synapse fallout, partner-bank exits, a regulator liquidation), and the month's new arrivals. 60 pages, free, every figure reproducible from the open dataset.
August 13, 2026new
The money map on every profile
Each neobank profile now carries a "money map": who legally holds your balance, who keeps the authoritative ledger, what protection applies if it fails, and how you get your money back — a protection tier derived only from the verified custody and regulation fields.
August 12, 2026new
World map + header language switcher
A per-country world map shades every country by how many neobanks are headquartered there, each tile linking to that country's list. The language chooser also moved into the header, top-right, so the five localized editions are one tap from any page.
August 11, 2026new
MCP server for AI assistants
Point Claude — or any Model Context Protocol client — at neobankbeat and it answers from the live, cited dataset instead of stale training memory. Five read-only tools over all 381 neobanks.
August 11, 2026new
Funding stage + sortable database
Every neobank now carries a normalized funding stage — Pre-seed through Series C+, Public and Acquired — so you can filter the directory by maturity. A new /database/ view puts the whole dataset in one sortable, scannable table.
August 11, 2026new
Feature matrix + semantic search
19 verified feature flags per neobank (yield, stablecoins, self-custody, IBAN, virtual cards and more) collected into one comparison grid, plus an in-browser semantic search that runs entirely client-side — no backend, works offline.
August 9, 2026i18n
Five languages
Profiles, head-to-head comparisons and country pages localized into German, Italian, French, Spanish and Portuguese — with reciprocal hreflang, localized metadata and a language switcher in the footer, so non-English searchers can find the right neobank in their own language.
August 8, 2026data
11 neobanks added + "emerging" status
Eleven community-submitted neobanks added after hands-on verification, and a new "emerging" status introduced for pre-launch names — the directory can now track what is coming without pretending it is already live.
dataset changes
Generated straight from version history — additions link to their profiles, removals stay on the record. Neobanks die quietly, and the deaths are data too. Every entry maps to a real change in data.json.
September 11, 2026381 tracked
139M customers, US launch recorded + the post; GetPlu data fix.
under the hoodNubank: 139M customers, US launch recorded + the post; GetPlu data fix
September 1, 2026381 tracked
Dead job boards, 23 broken legal links, a missed rebrand.
under the hoodBug hunt: dead job boards, 23 broken legal links, a missed rebrand
+1 added: Morse
−1 removed: Sling Money
August 28, 2026381 tracked
Add GetPlu.
under the hoodAdd GetPlu — zero-fee stablecoin Visa card (intake #90)
+1 added: GetPlu
August 19, 2026380 tracked
Add Yolat (issue #65).
under the hoodWIP: add Yolat (issue #65) — verified, held for owner approval before publishing
+1 added: Yolat
August 13, 2026379 tracked
Fix unofficial krak.com domain + enrich (issue #25, rebuilt on main).
under the hoodKrak: fix unofficial krak.com domain + enrich (issue #25, rebuilt on main)
~1 updated: Krak
August 11, 2026379 tracked
Add funding_stage dimension + /database/ sortable table view.
under the hoodAdd funding_stage dimension + /database/ sortable table view
August 11, 2026379 tracked
Heuristic feature extraction from prose.
under the hoodSchema V2 Pass B: heuristic feature extraction from prose
August 8, 2026379 tracked
Add 11 verified neobanks + Reah as emerging; sync counts to 379.
under the hoodAdd 11 verified neobanks + Reah as emerging; sync counts to 379
+11 added: Dolafy, Brookwell, Takenos, Slush, Solid, Sony Bank, AMP Bank GO, Always.bank, Haventree Bank, Esh Bank +1 more
August 8, 2026368 tracked
Additive null-defaulted keys + slug extraction (#17).
under the hoodSchema V2 Phase 1: additive null-defaulted keys + slug extraction (#17)
July 29, 2026368 tracked
Record Kulipa wind-down and refresh card-rail context for Ready and Solflare..
under the hoodRecord Kulipa wind-down and refresh card-rail context for Ready and Solflare.
July 27, 2026368 tracked
Fix XPlace logo, standardize license spelling, and tidy footer..
under the hoodFix XPlace logo, standardize license spelling, and tidy footer.
July 23, 2026368 tracked
Added the real cost and features to each app: the fee it charges to spend abroad (FX markup) and what it lets you do with money — buy/sell crypto, get your own account number/IBAN, use virtual cards. Now you can compare apps on price, not just looks.
under the hoodfeat: money-movement services + FX-markup on profiles & comparisons
July 18, 2026368 tracked
Labelled every neobank by how it is actually regulated — its own bank license, a partner bank working behind the scenes, e-money, and so on — so you can tell which apps are really banks. A few that had quietly shut down were removed.
under the hooddata: regulation backfill for all 173 unclassified entities + site audit fixes
−5 removed: Z1, Fi Money, Juno, Kard, Pomelo
July 16, 2026373 tracked
Checked all the apps for real, in-use AI and tagged only the ones that genuinely use it — for lending decisions, as the main chat interface, or built for AI "agents". Marketing fluff did not make the cut. Also removed Will Bank, which shut down.
under the hoodai tags: full-directory audit — 67 verified tags; remove liquidated Will Bank
−1 removed: Will Bank
July 16, 2026374 tracked
Added the first batch of verified "uses AI" tags and dropped four weak claims.
under the hoodai tags: apply verification results — 30 verified tags, drop 4 weak ones
July 16, 2026374 tracked
Introduced an "AI" label for apps, and published a write-up on which neobanks actually use AI versus just talk about it.
under the hoodfeat: ai tag (underwriting/interface/agentic) + narrative-check blog post
July 16, 2026374 tracked
Grew the behind-the-scenes "who powers these apps" list from 36 to 106 providers, and added two apps: Brighty and Tangem.
under the hooddata: infra map 36→106 providers, add Brighty + Tangem (directory 374)
July 16, 2026372 tracked
Added two fast-growing apps (Plata and Veera), refreshed the figures for a few others, and published a post on the fastest-growing neobanks.
under the hooddata+blog: add Plata and Veera, refresh Slash/Ualá/Kontigo, new growth post
July 16, 2026370 tracked
Added two crypto-card apps that were missing: Startale and Moto.
under the hooddata: add Startale and Moto — the two cards missing from the crypto-card wave
July 16, 2026368 tracked
Recorded that investor Oui Capital backed PaySika.
under the hooddata: Oui Capital backs PaySika — its first Cameroon investment (2025)
~1 updated: PaySika
July 16, 2026368 tracked
Added PaySika, a chat-first neobank for French-speaking Africa.
under the hooddata: add PaySika — chatbot-first neobank for francophone Africa, 368th entity
+1 added: PaySika
July 15, 2026367 tracked
Added Mine, a Swiss app where you hold your own money (self-custody).
under the hooddata: add Mine (mine.financial) — Swiss self-custody money app, 367th entity
+1 added: Mine
July 15, 2026366 tracked
Added Flex, a brand-new "unicorn" app, right after its big funding round.
under the hooddata: add Flex (flex.one) — 366th entity, fresh unicorn off its $70M Series B1
+1 added: Flex
July 7, 2026365 tracked
Filled in missing details — terms, privacy, home countries, founders and investors — for the seven newest apps.
under the hoodaudit: close the metadata gaps on the seven newest entities — verified terms/privacy URLs (all HTTP-checked 200), X handles, countries for Lava, COCA, Karta, Hyperbeat, Bitget Wallet, BFinance, SurfCash; founders for Hyperbeat (Kilian Boshoff, 800.HL), SurfCash (Akshat Sharma, César Suárez), BFinance (Knyaz Yussupov); Hyperbeat $5.2M seed + investors (ether.fi Ventures, Electric Capital, Coinbase Ventures) and COCA (Stellar Development Foundation) added to the investor map with curated fund blurbs — investor pages 198→202, llms.txt synced
July 7, 2026365 tracked
Re-labelled Fizen as a travel & digital-nomad app to match how it now describes itself.
under the hoodfizen: retag to travel & digital nomads — its positioning is now explicitly 'crypto neobank for travel & QR payments' (Tether-backed)
~1 updated: Fizen
July 7, 2026365 tracked
Added SurfCash, an app that turns stablecoins into local QR payments for travellers.
under the hooddataset: +SurfCash — self-custodial USDC→local-QR-rails app (VietQR/PromptPay/Pix) for nomads in emerging markets, Circle Alliance, tagged travel & digital nomads; 364→365
+1 added: SurfCash
July 7, 2026364 tracked
Built a page comparing all 90 cards you can spend stablecoins with, and added two more apps.
under the hoodthe U-card index: new /stablecoin-cards/ page comparing all 90 stablecoin-spendable cards (custody, network, cashback, yield, KYC) — the consolidation the tier-list crowd keeps asking for; +Bitget Wallet and BFinance from the Paymentscan chart (Backpack card still unlaunched, skipped); Paymentscan added to the library; 362→364
July 7, 2026362 tracked
Added four travel/nomad money apps (Lava, COCA, Karta, Hyperbeat) and renamed the travel category.
under the hooddataset: +4 nomad-wave money apps from the tier-list research — Lava (BTC credit line, custody U-turn Sept 2025), COCA (MPC self-banking, 1M users), Karta (Telegram self-custody card on Tempo), Hyperbeat (Liquid Banking on Hyperliquid); travel niche renamed 'travel & digital nomads' with Kolo, COCA, Karta tagged in; 358→362 everywhere, Moto excluded (waitlist-only)
July 6, 2026358 tracked
Fixed a duplicate: the investor HongShan was listed twice, now merged.
under the hooddata: HongShan listed under two names (plain + 'Sequoia China' suffix) — merged to HongShan, 198 investors, stale page pruned; blog post counts updated
~1 updated: OPay
July 5, 2026358 tracked
Added Flouci, a Tunisian all-in-one app with a free account and card.
under the hoodadd Flouci (Tunisia) — 358th entity: Kaoun's BCT-sandbox super-app, free bank account + wallet, Visa card, ~7% savings; bump count 357→358 sitewide
+1 added: Flouci
July 5, 2026357 tracked
Recorded Oui Capital as an early investor in Moniepoint.
under the hooddata: add Oui Capital (first institutional cheque, TeamApt seed) to Moniepoint early investors
~1 updated: Moniepoint
July 5, 2026357 tracked
Added the main investors behind each neobank, with links to them.
under the hooddirectory + profiles: early investors — top VCs per neobank with links (121 entities), in modal, static pages, data.json and JSON-LD funder
July 3, 2026357 tracked
Fixed broken links and made filtered views shareable by copying the web address.
under the hoodlink-rot repair, shareable filter URLs, search shortcut
July 3, 2026357 tracked
under the hoodSEO, AI-agent surface, mobile & UX fixes — audit pass
dataset first published · 357 entities
watch it changeFollow @neobankbeat, subscribe on Substack, or diff data.json yourself — the whole repo is public.