{ "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": 357, "counts": { "traditional": 256, "hybrid": 54, "web3_native": 47, "niche_audience": 117 }, "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", "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" ], "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/legal/", "privacy_url": "https://www.varomoney.com/privacy/", "x_handle": "varomoney", "countries": [ "United States" ] }, { "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", "terms_url": "https://current.com/terms-of-use/", "privacy_url": "https://current.com/privacy-policy/", "x_handle": "current", "countries": [ "United States" ] }, { "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.", "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" ] }, { "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.", "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" ] }, { "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.", "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-policy/", "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://one.app/policies/", "privacy_url": "https://one.app/policies/privacy/", "x_handle": "one", "countries": [ "United States" ] }, { "name": "Marcus", "category": "traditional", "audience": "general", "region": "US", "hq": "New York, US", "founded": 2016, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "terms_url": "https://www.marcus.com/us/en/terms-and-conditions", "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/privacy-policy", "x_handle": "step", "countries": [ "United States" ] }, { "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://greenlight.com/privacy-policy", "x_handle": "Greenlightcard", "countries": [ "United States" ] }, { "name": "Copper", "category": "traditional", "audience": "gen alpha · kids & family", "region": "US", "hq": "Seattle, US", "founded": 2019, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "founders": "Eddie Behringer, Stefan Berglund", "funding": "~$40M raised", "terms_url": "https://www.getcopper.com/terms", "privacy_url": "https://www.getcopper.com/privacy", "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": "Unclassified", "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." }, { "name": "GoHenry", "category": "traditional", "audience": "gen alpha · kids & family", "region": "US", "hq": "New York/London", "founded": 2012, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "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": "Unclassified", "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.", "terms_url": "https://albert.com/terms", "privacy_url": "https://albert.com/privacy-policy", "x_handle": "albertsavings", "countries": [ "United States" ] }, { "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.", "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" ] }, { "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" ] }, { "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" ] }, { "name": "Novo", "category": "traditional", "audience": "SMB & startups", "region": "US", "hq": "Miami, US", "founded": 2016, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "founders": "Michael Rangel, Tyler McIntyre", "funding": "~$170M raised", "terms_url": "https://www.novo.co/terms-of-service", "privacy_url": "https://www.novo.co/privacy-policy", "x_handle": "banknovo", "countries": [ "United States" ] }, { "name": "Bluevine", "category": "traditional", "audience": "SMB & startups", "region": "US", "hq": "Redwood City, US", "founded": 2013, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "founders": "Eyal Lifshitz", "funding": "~$770M incl. debt", "terms_url": "https://www.bluevine.com/terms-of-use", "privacy_url": "https://www.bluevine.com/privacy-policy", "x_handle": "Bluevine", "countries": [ "United States" ] }, { "name": "Relay", "category": "traditional", "audience": "SMB & startups", "region": "US", "hq": "Toronto/US", "founded": 2018, "custody": "Custodial", "regulation_type": "Unclassified", "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).", "founders": "Yoseph West", "funding": "~$100M raised", "terms_url": "https://relayfi.com/terms-of-service", "privacy_url": "https://relayfi.com/privacy-policy", "x_handle": "relayfinancial", "countries": [ "United States", "Canada" ] }, { "name": "NorthOne", "category": "traditional", "audience": "SMB & startups", "region": "US", "hq": "New York, US", "founded": 2016, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "Rho", "category": "traditional", "audience": "SMB & startups", "region": "US", "hq": "New York, US", "founded": 2018, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "founders": "Everett Cook, Alex Wheldon", "funding": "~$205M raised", "terms_url": "https://www.rho.co/legal", "privacy_url": "https://www.rho.co/legal/privacy-policy", "x_handle": "rhobusiness", "countries": [ "United States" ] }, { "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": "Unclassified", "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.", "funding": "~$70M raised", "terms_url": "https://found.com/legal/terms", "privacy_url": "https://found.com/legal/privacy", "x_handle": "foundforbiz", "countries": [ "United States" ] }, { "name": "Lili", "category": "traditional", "audience": "freelancers & creators", "region": "US", "hq": "New York, US", "founded": 2018, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "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/privacy-policy", "x_handle": "LiliBanking", "countries": [ "United States" ] }, { "name": "Karat", "category": "traditional", "audience": "freelancers & creators", "region": "US", "hq": "Los Angeles, US", "founded": 2019, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "founders": "Eric Wei, Will Kim", "funding": "~$100M+ incl. debt" }, { "name": "Branch", "category": "traditional", "audience": "gig workers", "region": "US", "hq": "Minneapolis, US", "founded": 2015, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "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": "Unclassified", "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.", "founders": "Michael Jerkins, Ned Palmer" }, { "name": "Purple", "category": "traditional", "audience": "disabilities", "region": "US", "hq": "New York, US", "founded": 2018, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "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": "Unclassified", "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.", "founders": "Kai Stinchcombe, Claire McDonnell" }, { "name": "Charlie", "category": "traditional", "audience": "seniors", "region": "US", "hq": "Los Angeles, US", "founded": 2022, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "founders": "Kevin Nazemi", "funding": "~$23M raised" }, { "name": "Greenwood", "category": "traditional", "audience": "Black community", "region": "US", "hq": "Atlanta, US", "founded": 2020, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "founders": "Ryan Glover, Killer Mike, Andrew Young", "funding": "~$40M+ raised", "terms_url": "https://gogreenwood.com/terms-of-service/", "privacy_url": "https://gogreenwood.com/privacy-policy/", "x_handle": "Greenwood", "countries": [ "United States" ] }, { "name": "MoCaFi", "category": "traditional", "audience": "Black community", "region": "US", "hq": "New York, US", "founded": 2016, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "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": "Unclassified", "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.", "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" ] }, { "name": "Zolve", "category": "traditional", "audience": "immigrants & migrants", "region": "US", "hq": "New York/Bengaluru", "founded": 2020, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "founders": "Raghunandan G", "funding": "~$300M incl. debt", "terms_url": "https://zolve.com/terms-of-service", "privacy_url": "https://zolve.com/privacy-policy", "x_handle": "zolvehq", "countries": [ "United States", "India" ] }, { "name": "Comun", "category": "traditional", "audience": "immigrants & migrants", "region": "US", "hq": "New York, US", "founded": 2021, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "founders": "Andres Santos, Abiel Gutierrez", "funding": "~$50M+ raised", "terms_url": "https://www.comun.app/en/legal", "privacy_url": "https://www.comun.app/en/legal/privacy", "x_handle": "comunapp", "countries": [ "United States" ] }, { "name": "Ellevest", "category": "traditional", "audience": "women", "region": "US", "hq": "New York, US", "founded": 2014, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "founders": "Sallie Krawcheck, Charlie Kroll", "funding": "~$150M raised", "terms_url": "https://www.ellevest.com/terms-of-use", "privacy_url": "https://www.ellevest.com/privacy-policy", "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/", "privacy_url": "https://www.koho.ca/privacy/", "x_handle": "KOHOfinancial", "countries": [ "Canada" ] }, { "name": "Neo Financial", "category": "traditional", "audience": "general", "region": "Canada", "hq": "Calgary, CA", "founded": 2019, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "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" ] }, { "name": "Wealthsimple", "category": "traditional", "audience": "general", "region": "Canada", "hq": "Toronto, CA", "founded": 2014, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "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" ] }, { "name": "EQ Bank", "category": "traditional", "audience": "general", "region": "Canada", "hq": "Toronto, CA", "founded": 2016, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "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": "Unclassified", "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.", "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" ], "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.", "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" ] }, { "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/legal/", "privacy_url": "https://www.atombank.co.uk/privacy/", "x_handle": "atom_bank", "countries": [ "United Kingdom" ] }, { "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.", "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" ] }, { "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-policy/", "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://www.kroo.com/legal", "privacy_url": "https://www.kroo.com/legal/privacy-policy", "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" ] }, { "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", "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": "Unclassified", "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." }, { "name": "Allica Bank", "category": "traditional", "audience": "SMB & startups", "region": "UK", "hq": "Milton Keynes, UK", "founded": 2019, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "Curve", "category": "traditional", "audience": "general", "region": "UK", "hq": "London, UK", "founded": 2015, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "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" ] }, { "name": "Zempler Bank", "category": "traditional", "audience": "SMB & startups", "region": "UK", "hq": "London, UK", "founded": 2005, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "Monese", "category": "traditional", "audience": "immigrants & migrants", "region": "UK", "hq": "London, UK", "founded": 2013, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "founders": "Norris Koppel", "funding": "~$200M raised", "terms_url": "https://monese.com/gb/en/legal", "privacy_url": "https://monese.com/gb/en/legal/privacy-policy", "x_handle": "monese", "countries": [ "United Kingdom", "European Union" ] }, { "name": "Pockit", "category": "traditional", "audience": "underbanked", "region": "UK", "hq": "London, UK", "founded": 2014, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "founders": "Virraj Jatania" }, { "name": "Suits Me", "category": "traditional", "audience": "underbanked", "region": "UK", "hq": "Cheshire, UK", "founded": 2015, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "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", "terms_url": "https://www.tandem.co.uk/legal-stuff", "privacy_url": "https://www.tandem.co.uk/privacy-policy", "x_handle": "tandem", "countries": [ "United Kingdom" ] }, { "name": "Algbra", "category": "traditional", "audience": "faith-based", "region": "UK", "hq": "London, UK", "founded": 2020, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "founders": "Zeiad Idris, Fizel Nejabat", "terms_url": "https://algbra.com/terms/", "privacy_url": "https://algbra.com/privacy/", "x_handle": "algbra", "countries": [ "United Kingdom" ] }, { "name": "Kestrl", "category": "traditional", "audience": "faith-based", "region": "UK", "hq": "London, UK", "founded": 2019, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "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": "Unclassified", "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.", "founders": "Junaid Wahedna", "funding": "~$75M raised", "terms_url": "https://www.wahed.com/terms-of-use", "privacy_url": "https://www.wahed.com/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", "terms_url": "https://n26.com/en-eu/terms-and-conditions", "privacy_url": "https://n26.com/en-eu/privacy", "x_handle": "n26", "countries": [ "Germany", "Austria", "France", "Spain", "Italy", "Netherlands", "Belgium", "Portugal", "Ireland", "Greece", "Poland" ] }, { "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.", "licence": "Dutch banking licence", "founders": "Ali Niknam", "funding": "Founder-funded (~€100M of Niknam's own) + raises", "terms_url": "https://www.bunq.com/terms-and-conditions", "privacy_url": "https://www.bunq.com/privacy-statement", "x_handle": "bunq", "countries": [ "Netherlands", "Germany", "France", "Spain", "Italy", "Belgium", "Austria", "Ireland", "Portugal" ] }, { "name": "Vivid Money", "category": "traditional", "audience": "general", "region": "Europe", "hq": "Berlin, DE", "founded": 2019, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "founders": "Alexander Emeshev, Artem Yamanov", "funding": "~$200M+ raised", "terms_url": "https://vivid.money/en-eu/legal/", "privacy_url": "https://vivid.money/en-eu/privacy/", "x_handle": "vivid_money", "countries": [ "Germany", "France", "Spain", "Italy", "Netherlands" ] }, { "name": "Tomorrow", "category": "traditional", "audience": "climate", "region": "Europe", "hq": "Hamburg, DE", "founded": 2018, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "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": "Unclassified", "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." }, { "name": "Kontist", "category": "traditional", "audience": "freelancers & creators", "region": "Europe", "hq": "Berlin, DE", "founded": 2016, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "founders": "Christopher Plantener" }, { "name": "Fyrst", "category": "traditional", "audience": "SMB & startups", "region": "Europe", "hq": "Bonn, DE", "founded": 2019, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "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.", "licence": "Payment institution (ACPR); pursuing credit licence", "founders": "Alexandre Prot, Steve Anavi", "funding": "~€620M raised", "terms_url": "https://qonto.com/en/legal", "privacy_url": "https://qonto.com/en/privacy-policy", "x_handle": "getqonto", "countries": [ "France", "Germany", "Spain", "Italy" ] }, { "name": "Shine", "category": "traditional", "audience": "freelancers & creators", "region": "Europe", "hq": "Paris, FR", "founded": 2017, "custody": "Custodial", "regulation_type": "Unclassified", "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).", "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": "Unclassified", "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." }, { "name": "Sumeria (Lydia)", "category": "traditional", "audience": "general", "region": "Europe", "hq": "Paris, FR", "founded": 2013, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "founders": "Cyril Chiche, Antoine Porte", "funding": "~€260M raised", "terms_url": "https://www.sumeria.eu/en/legal/", "privacy_url": "https://www.sumeria.eu/en/privacy/", "x_handle": "sumeria_app", "countries": [ "France" ] }, { "name": "Nickel", "category": "traditional", "audience": "underbanked", "region": "Europe", "hq": "Paris, FR", "founded": 2014, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "founders": "Hugues Le Bret, Ryad Boulanouar", "funding": "Acquired by BNP Paribas (2017)", "terms_url": "https://nickel.eu/en/legal-notices", "privacy_url": "https://nickel.eu/en/personal-data", "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)", "terms_url": "https://www.boursobank.com/mentions-legales", "privacy_url": "https://www.boursobank.com/protection-donnees", "x_handle": "BoursoBank", "countries": [ "France" ] }, { "name": "Hello bank!", "category": "traditional", "audience": "general", "region": "Europe", "hq": "Paris, FR", "founded": 2013, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "Fortuneo", "category": "traditional", "audience": "general", "region": "Europe", "hq": "Brest, FR", "founded": 2000, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "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).", "licence": "Danish banking licence", "founders": "Ken Villum Klausen", "funding": "~$500M raised", "terms_url": "https://www.lunar.app/en/terms", "privacy_url": "https://www.lunar.app/en/privacy-policy", "x_handle": "lunar", "countries": [ "Denmark", "Sweden", "Norway" ] }, { "name": "Northmill", "category": "traditional", "audience": "general", "region": "Europe", "hq": "Stockholm, SE", "founded": 2006, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "Rocker", "category": "traditional", "audience": "general", "region": "Europe", "hq": "Stockholm, SE", "founded": 2017, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "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": "Unclassified", "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)." }, { "name": "Tinaba", "category": "traditional", "audience": "general", "region": "Europe", "hq": "Milan, IT", "founded": 2015, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "Flowe", "category": "traditional", "audience": "climate", "region": "Europe", "hq": "Milan, IT", "founded": 2020, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "buddybank", "category": "traditional", "audience": "general", "region": "Europe", "hq": "Milan, IT", "founded": 2018, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "isybank", "category": "traditional", "audience": "general", "region": "Europe", "hq": "Milan, IT", "founded": 2023, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "Openbank", "category": "traditional", "audience": "general", "region": "Europe", "hq": "Madrid, ES", "founded": 1995, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "imagin", "category": "traditional", "audience": "gen z & students", "region": "Europe", "hq": "Barcelona, ES", "founded": 2020, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "MyInvestor", "category": "traditional", "audience": "general", "region": "Europe", "hq": "Madrid, ES", "founded": 2017, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "ZEN.com", "category": "traditional", "audience": "general", "region": "Europe", "hq": "Vilnius, LT", "founded": 2018, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "Paysera", "category": "traditional", "audience": "general", "region": "Europe", "hq": "Vilnius, LT", "founded": 2004, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "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", "terms_url": "https://traderepublic.com/en-de/legal", "privacy_url": "https://traderepublic.com/en-de/privacy-policy", "x_handle": "traderepublic", "countries": [ "Germany", "France", "Spain", "Italy", "Netherlands", "Austria", "Belgium", "Ireland", "Portugal" ] }, { "name": "Finom", "category": "traditional", "audience": "SMB & startups", "region": "Europe", "hq": "Amsterdam, NL", "founded": 2019, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "founders": "Ex-Modulbank team (Novikov, Laguta, Petrov, Stiskin)", "funding": "~€180M raised" }, { "name": "Wise", "category": "traditional", "audience": "travel", "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" ], "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.", "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" ] }, { "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": "Unclassified", "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)." }, { "name": "Papara", "category": "traditional", "audience": "general", "region": "Europe", "hq": "Istanbul, TR", "founded": 2016, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "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.", "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", "privacy_url": "https://kaspi.kz/privacy", "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.", "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.", "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/", "privacy_url": "https://nubank.com.br/en/privacy-policy/", "x_handle": "nubank", "countries": [ "Brazil", "Mexico", "Colombia" ], "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 a regional multi-licence player.", "licence": "Bank licences (AR via Wilobank, MX via ABC Capital)", "founders": "Pierpaolo Barbieri", "funding": "~$850M+ raised", "terms_url": "https://www.uala.com.ar/legales", "privacy_url": "https://www.uala.com.ar/legales/privacidad", "x_handle": "uala", "countries": [ "Argentina", "Mexico", "Colombia" ] }, { "name": "albo", "category": "traditional", "audience": "general", "region": "LatAm", "hq": "Mexico City, MX", "founded": 2016, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "founders": "Ángel Sahagún", "funding": "~$150M+ raised" }, { "name": "Klar", "category": "traditional", "audience": "general", "region": "LatAm", "hq": "Mexico City, MX", "founded": 2019, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "founders": "Stefan Möller, Daniel Autrique", "funding": "~$500M incl. debt", "terms_url": "https://www.klar.mx/legal", "privacy_url": "https://www.klar.mx/legal/aviso-de-privacidad", "x_handle": "klarmx", "countries": [ "Mexico" ] }, { "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.", "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" ] }, { "name": "Fondeadora", "category": "traditional", "audience": "general", "region": "LatAm", "hq": "Mexico City, MX", "founded": 2018, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "Hey Banco", "category": "traditional", "audience": "general", "region": "LatAm", "hq": "Monterrey, MX", "founded": 2018, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "Cuenca", "category": "traditional", "audience": "general", "region": "LatAm", "hq": "Mexico City, MX", "founded": 2018, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "RappiPay", "category": "traditional", "audience": "general", "region": "LatAm", "hq": "Bogotá, CO", "founded": 2019, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "Neon", "category": "traditional", "audience": "general", "region": "LatAm", "hq": "São Paulo, BR", "founded": 2016, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "founders": "Pedro Conrade", "funding": "~$700M raised" }, { "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.", "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" ] }, { "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.", "licence": "Bank; Public (INTR)", "terms_url": "https://inter.co/termos-de-uso/", "privacy_url": "https://inter.co/politica-de-privacidade/", "x_handle": "bancointer", "countries": [ "Brazil", "United States" ], "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.", "licence": "Payment institution + bank (BCB)", "founders": "Anderson Chamon + J&F group", "terms_url": "https://picpay.com/termos-de-uso", "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": "Will Bank", "category": "traditional", "audience": "general", "region": "LatAm", "hq": "São Paulo, BR", "founded": 2017, "custody": "Custodial", "regulation_type": "Unclassified", "card_network": "MC", "card_type": "Debit + credit", "cashback": null, "yield": "Yield", "stablecoins": false, "kyc": "Yes", "domain": "willbank.com.br", "website": "https://willbank.com.br", "active_regions": [ "Latin America" ], "note": "Card-first Brazilian neobank." }, { "name": "Cora", "category": "traditional", "audience": "SMB & startups", "region": "LatAm", "hq": "São Paulo, BR", "founded": 2019, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "founders": "Igor Senra, Leo Mendes", "funding": "~$200M raised" }, { "name": "Z1", "category": "traditional", "audience": "gen z & students", "region": "LatAm", "hq": "São Paulo, BR", "founded": 2020, "custody": "Custodial", "regulation_type": "Unclassified", "card_network": "Visa", "card_type": "Debit", "cashback": null, "yield": null, "stablecoins": false, "kyc": "Yes", "domain": "z1.app", "website": "https://z1.app", "active_regions": [ "Latin America" ], "note": "Brazil's Gen-Z money app.", "founders": "João Pedro Thompson + team", "funding": "~$15M raised" }, { "name": "NG.cash", "category": "traditional", "audience": "gen z & students", "region": "LatAm", "hq": "Rio de Janeiro, BR", "founded": 2021, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "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" }, { "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": "Unclassified", "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+.", "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": "Unclassified", "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+." }, { "name": "Movii", "category": "traditional", "audience": "underbanked", "region": "LatAm", "hq": "Bogotá, CO", "founded": 2018, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "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)" }, { "name": "Global66", "category": "traditional", "audience": "travel", "region": "LatAm", "hq": "Santiago, CL", "founded": 2018, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "founders": "Tomás Bercovich", "funding": "~$65M raised" }, { "name": "Zinli", "category": "traditional", "audience": "general", "region": "LatAm", "hq": "Panama City, PA", "founded": 2020, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "Qik", "category": "traditional", "audience": "general", "region": "LatAm", "hq": "Santo Domingo, DO", "founded": 2021, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "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.", "licence": "Internet-only bank licence (KR)", "founders": "Kakao consortium", "funding": "Public (KRX)", "terms_url": "https://www.kakaobank.com/terms", "privacy_url": "https://www.kakaobank.com/privacy", "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.", "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" ] }, { "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.", "licence": "Private bank licence (CN)", "founders": "Tencent-led consortium", "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.", "licence": "Private bank licence (CN)", "founders": "Ant Group-led" }, { "name": "Jupiter", "category": "traditional", "audience": "general", "region": "Asia", "hq": "Mumbai, IN", "founded": 2019, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "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" ] }, { "name": "Fi Money", "category": "traditional", "audience": "general", "region": "Asia", "hq": "Bengaluru, IN", "founded": 2019, "custody": "Custodial", "regulation_type": "Unclassified", "card_network": "Visa", "card_type": "Debit", "cashback": "Rewards", "yield": null, "stablecoins": false, "kyc": "Yes", "domain": "fi.money", "website": "https://fi.money", "active_regions": [ "Asia" ], "note": "Salaried-professional neobank.", "founders": "Sujith Narayanan, Sumit Gwalani", "funding": "~$135M raised" }, { "name": "Niyo", "category": "traditional", "audience": "travel", "region": "Asia", "hq": "Bengaluru, IN", "founded": 2015, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "founders": "Vinay Bagri, Virender Bisht", "funding": "~$180M raised" }, { "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.", "licence": "Small finance bank (via NESFB merger)", "founders": "Rajan Bajaj", "funding": "~$340M raised" }, { "name": "Freo", "category": "traditional", "audience": "general", "region": "Asia", "hq": "Bengaluru, IN", "founded": 2015, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "Open", "category": "traditional", "audience": "SMB & startups", "region": "Asia", "hq": "Bengaluru, IN", "founded": 2017, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "founders": "Anish Achuthan + 3", "funding": "~$190M raised" }, { "name": "RazorpayX", "category": "traditional", "audience": "SMB & startups", "region": "Asia", "hq": "Bengaluru, IN", "founded": 2019, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "FamPay", "category": "traditional", "audience": "gen z & students", "region": "Asia", "hq": "Bengaluru, IN", "founded": 2019, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "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" ] }, { "name": "Mahila Money", "category": "traditional", "audience": "women", "region": "Asia", "hq": "Delhi, IN", "founded": 2021, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "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": "Unclassified", "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.", "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" ] }, { "name": "NayaPay", "category": "traditional", "audience": "general", "region": "Asia", "hq": "Karachi, PK", "founded": 2019, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "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": "Unclassified", "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.", "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.", "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" ], "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": "Unclassified", "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." }, { "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.", "licence": "Digital full bank (MAS)", "terms_url": "https://www.gxs.com.sg/terms", "privacy_url": "https://www.gxs.com.sg/privacy-policy", "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.", "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.", "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.", "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" ] }, { "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.", "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" ], "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.", "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.", "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.", "licence": "Bank (OJK); Grab/Emtek/Singtel" }, { "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.", "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": "Unclassified", "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." }, { "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.", "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+.", "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.", "licence": "HK virtual bank", "founders": "Simon Loong" }, { "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": "Unclassified", "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.", "founders": "James Fuller, Claire Fuller", "funding": "~A$70M raised", "terms_url": "https://hnry.co.nz/terms-of-service/", "privacy_url": "https://hnry.co.nz/privacy-policy/", "x_handle": "hnry_nz", "countries": [ "New Zealand", "Australia" ] }, { "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" ], "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.", "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" ] }, { "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" ], "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.", "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" ], "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.", "licence": "MFB + switching licences (NG)", "founders": "Tosin Eniolorunda, Felix Ike", "funding": "~$180M+; unicorn", "terms_url": "https://moniepoint.com/terms", "privacy_url": "https://moniepoint.com/privacy-policy", "x_handle": "moniepoint", "countries": [ "Nigeria", "Kenya" ] }, { "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.", "licence": "Microfinance bank (NG)", "founders": "Laurin Hainy, Matthieu Gendreau, Nicolas Berthozat" }, { "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.", "licence": "Microfinance bank (NG)", "founders": "Chijioke Dozie, Ngozi Dozie" }, { "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": "Unclassified", "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).", "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": "Unclassified", "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.", "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" ] }, { "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", "terms_url": "https://www.wave.com/en/legal/terms/", "privacy_url": "https://www.wave.com/en/legal/privacy/", "x_handle": "wave_senegal", "countries": [ "Senegal", "Côte d'Ivoire", "Mali", "Burkina Faso", "Uganda", "Gambia" ] }, { "name": "Eversend", "category": "traditional", "audience": "general", "region": "Africa", "hq": "Kampala/Paris", "founded": 2017, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "founders": "Stone Atwine" }, { "name": "Fingo", "category": "traditional", "audience": "gen z & students", "region": "Africa", "hq": "Nairobi, KE", "founded": 2021, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "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": "Unclassified", "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).", "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": "Unclassified", "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.", "founders": "Omar Saleh", "funding": "~$60M+ raised" }, { "name": "MNT-Halan", "category": "traditional", "audience": "underbanked", "region": "Africa", "hq": "Cairo, EG", "founded": 2018, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "founders": "Mounir Nakhla, Ahmed Mohsen", "funding": "~$600M+ incl. debt; unicorn" }, { "name": "Grey", "category": "traditional", "audience": "freelancers & creators", "region": "Africa", "hq": "Lagos, NG", "founded": 2020, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "founders": "Idorenyin Obong, Femi Aghedo", "funding": "YC-backed", "terms_url": "https://grey.co/terms", "privacy_url": "https://grey.co/privacy", "x_handle": "grey_finance", "countries": [ "Nigeria", "Kenya" ] }, { "name": "Cleva", "category": "traditional", "audience": "freelancers & creators", "region": "Africa", "hq": "Lagos, NG", "founded": 2023, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "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" ] }, { "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": "Unclassified", "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.", "founders": "Marwan Hachem, Anas Zaidan" }, { "name": "Liv.", "category": "traditional", "audience": "general", "region": "MENA", "hq": "Dubai, AE", "founded": 2017, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "Pyypl", "category": "traditional", "audience": "underbanked", "region": "MENA", "hq": "Dubai, AE", "founded": 2017, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "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": "Unclassified", "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.", "founders": "Katharine Budd, Ian Dillon" }, { "name": "Sarwa", "category": "traditional", "audience": "general", "region": "MENA", "hq": "Dubai, AE", "founded": 2017, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "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.", "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": "Unclassified", "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.", "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.", "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" ], "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" ], "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": "Unclassified", "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.", "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.", "licence": "Broker-dealer + partner banks; state crypto licences", "founders": "Vlad Tenev, Baiju Bhatt", "funding": "Public (HOOD)", "terms_url": "https://robinhood.com/us/en/support/articles/disclosure-library/", "privacy_url": "https://robinhood.com/us/en/support/articles/privacy-policy/", "x_handle": "RobinhoodApp", "countries": [ "United States", "United Kingdom" ] }, { "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" ] }, { "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.", "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" ] }, { "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" }, { "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.", "licence": "VARA, MiCA (Malta)", "founders": "Star Xu" }, { "name": "Bitget Card", "category": "hybrid", "audience": "general", "region": "Global", "hq": "—", "founded": 2018, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "KuCard", "category": "hybrid", "audience": "general", "region": "Global", "hq": "—", "founded": 2017, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "CEX.IO Card", "category": "hybrid", "audience": "general", "region": "Global", "hq": "London, UK", "founded": 2013, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "SpectroCoin", "category": "hybrid", "audience": "general", "region": "Europe", "hq": "Vilnius, LT", "founded": 2013, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "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" ] }, { "name": "eToro Money", "category": "hybrid", "audience": "general", "region": "Europe", "hq": "Tel Aviv, IL", "founded": 2007, "custody": "Custodial", "regulation_type": "Unclassified", "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).", "founders": "Yoni Assia, Ronen Assia, David Ring", "funding": "Public (ETOR)" }, { "name": "Tap Global", "category": "hybrid", "audience": "general", "region": "Europe", "hq": "London, UK", "founded": 2018, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "CoinJar", "category": "hybrid", "audience": "general", "region": "ANZ", "hq": "Melbourne, AU", "founded": 2013, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "founders": "Asher Tan, Ryan Zhou" }, { "name": "Plutus", "category": "hybrid", "audience": "general", "region": "Europe", "hq": "London, UK", "founded": 2015, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "Fold", "category": "hybrid", "audience": "general", "region": "US", "hq": "Phoenix, US", "founded": 2019, "custody": "Custodial", "regulation_type": "Unclassified", "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).", "founders": "Will Reeves", "funding": "Public (FLD)", "terms_url": "https://foldapp.com/legal/terms", "privacy_url": "https://foldapp.com/legal/privacy", "x_handle": "fold_app", "countries": [ "United States" ] }, { "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": "Unclassified", "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.", "founders": "Tony Gallippi, Stephen Pair" }, { "name": "Juno", "category": "hybrid", "audience": "general", "region": "US", "hq": "San Francisco, US", "founded": 2019, "custody": "Custodial", "regulation_type": "Unclassified", "card_network": "MC", "card_type": "Debit", "cashback": "Up to 5% JCOIN", "yield": "Yield on USDC/USD", "stablecoins": true, "kyc": "Yes", "domain": "juno.finance", "website": "https://juno.finance", "active_regions": [ "North America" ], "note": "Checking + USDC salary splits.", "founders": "Varun Deshpande, Ratnesh Ray, Siddharth Verma", "funding": "~$21M raised" }, { "name": "Strike", "category": "hybrid", "audience": "general", "region": "Global", "hq": "Chicago, US", "founded": 2019, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "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" ] }, { "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", "privacy_url": "https://www.xapobank.com/en/privacy", "x_handle": "xapobank", "countries": [ "Gibraltar", "United Kingdom", "UAE", "Global" ] }, { "name": "Wirex", "category": "hybrid", "audience": "general", "region": "Global", "hq": "London, UK", "founded": 2014, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "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" ] }, { "name": "Uphold", "category": "hybrid", "audience": "general", "region": "Global", "hq": "New York, US", "founded": 2015, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "founders": "Halsey Minor (CNET founder)", "terms_url": "https://uphold.com/legal/terms-of-service", "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": "Unclassified", "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.", "founders": "Antoni Trenchev, Kosta Kantchev", "terms_url": "https://nexo.com/general-terms", "privacy_url": "https://nexo.com/privacy-policy", "x_handle": "Nexo", "countries": [ "United Kingdom", "European Union", "Switzerland", "Brazil", "Mexico" ] }, { "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" ] }, { "name": "KAST", "category": "hybrid", "audience": "general", "region": "Global", "hq": "Hong Kong, HK", "founded": 2024, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "funding": "~$70M+ at ~$600M valuation (2026)", "terms_url": "https://www.kast.xyz/terms", "privacy_url": "https://www.kast.xyz/privacy", "x_handle": "Kast_money", "countries": [ "Hong Kong", "Singapore", "Global" ] }, { "name": "RedotPay", "category": "hybrid", "audience": "general", "region": "Global", "hq": "Hong Kong, HK", "founded": 2023, "custody": "Custodial", "regulation_type": "Unclassified", "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).", "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": "general", "region": "Global", "hq": "—", "founded": 2022, "custody": "Custodial", "regulation_type": "Unclassified", "card_network": "Visa/MC", "card_type": "Prepaid", "cashback": "Offers", "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": "Multi-card crypto spending app." }, { "name": "Trustee Plus", "category": "hybrid", "audience": "general", "region": "Europe", "hq": "Vilnius, LT", "founded": 2019, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "UR", "category": "hybrid", "audience": "general", "region": "Global", "hq": "—", "founded": 2023, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "XPlace", "category": "hybrid", "audience": "general", "region": "Global", "hq": "Dubai, AE", "founded": 2023, "custody": "Custodial", "regulation_type": "Unclassified", "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)." }, { "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.", "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": "Unclassified", "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.", "founders": "Marcelo Cavazzoli, Borja Martel", "funding": "~$60M raised", "terms_url": "https://www.lemon.me/terminos-y-condiciones", "privacy_url": "https://www.lemon.me/politica-de-privacidad", "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": "Unclassified", "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.", "founders": "Manuel Beaudroit", "funding": "~$10M raised" }, { "name": "Ripio", "category": "hybrid", "audience": "general", "region": "LatAm", "hq": "Buenos Aires, AR", "founded": 2013, "custody": "Custodial", "regulation_type": "Unclassified", "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).", "founders": "Sebastián Serrano", "funding": "~$90M raised" }, { "name": "Buenbit", "category": "hybrid", "audience": "general", "region": "LatAm", "hq": "Buenos Aires, AR", "founded": 2018, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "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" ] }, { "name": "DolarApp", "category": "hybrid", "audience": "general", "region": "LatAm", "hq": "Mexico City, MX", "founded": 2021, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "founders": "Fernando Terrés, Zach Garman (ex-Revolut)", "funding": "~$60M+ raised", "terms_url": "https://www.dolarapp.com/legal/terms", "privacy_url": "https://www.dolarapp.com/legal/privacy", "x_handle": "DolarApp", "countries": [ "Mexico", "Argentina", "Colombia", "Brazil" ] }, { "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": "Unclassified", "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." }, { "name": "Airtm", "category": "hybrid", "audience": "freelancers & creators", "region": "LatAm", "hq": "Mexico City, MX", "founded": 2015, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "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" ] }, { "name": "Félix", "category": "hybrid", "audience": "immigrants & migrants", "region": "LatAm", "hq": "Mexico City, MX", "founded": 2022, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "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": "Unclassified", "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.", "founders": "Ham Serunjogi, Maijid Moujaled", "funding": "~$300M raised", "terms_url": "https://chippercash.com/legal/terms-of-service", "privacy_url": "https://chippercash.com/legal/privacy-policy", "x_handle": "chippercashapp", "countries": [ "Nigeria", "Ghana", "Uganda", "Kenya", "Rwanda", "South Africa", "United States", "United Kingdom" ] }, { "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/terms-of-use/", "privacy_url": "https://yellowcard.io/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": "Unclassified", "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.", "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": "Unclassified", "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.", "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" ] }, { "name": "Meow", "category": "hybrid", "audience": "SMB & startups", "region": "US", "hq": "New York, US", "founded": 2021, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "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": "Unclassified", "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.", "founders": "Victor Cardenas", "funding": "~$60M+ raised" }, { "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.", "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" ] }, { "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" ], "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" ] }, { "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.", "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" ] }, { "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" ] }, { "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", "terms_url": "https://gnosispay.com/terms-of-service", "privacy_url": "https://gnosispay.com/privacy-policy", "x_handle": "gnosispay", "countries": [ "United Kingdom", "European Union", "Brazil" ] }, { "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/terms-of-service", "privacy_url": "https://www.ether.fi/privacy-policy", "x_handle": "ether_fi", "countries": [ "Global" ], "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/privacy", "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" ] }, { "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": "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": "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://www.minipay.to/privacy", "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://oobit.com/privacy-policy", "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" ] }, { "name": "Fizen", "category": "web3-native", "audience": "general", "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; APAC/MENA QR + card.", "founders": "Leo Vu", "funding": "Tether-invested" }, { "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/en-fr/legals", "privacy_url": "https://deblock.com/en-fr/legals/privacy", "x_handle": "DeblockApp", "countries": [ "France", "European Union" ] }, { "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", "terms_url": "https://www.stables.money/terms-of-service", "privacy_url": "https://www.stables.money/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)", "terms_url": "https://fiat24.com/terms", "privacy_url": "https://fiat24.com/privacy", "x_handle": "Fiat24Official", "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": "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": "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://onboard.xyz/privacy", "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" ] }, { "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-documents", "privacy_url": "https://www.yuh.com/en/privacy", "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", "terms_url": "https://www.neon-free.ch/en/legal/", "privacy_url": "https://www.neon-free.ch/en/privacy/", "x_handle": "neon_switzerland", "countries": [ "Switzerland" ] }, { "name": "Zak", "category": "traditional", "audience": "general", "region": "Europe", "hq": "Basel, CH", "founded": 2017, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "Kard", "category": "traditional", "audience": "gen alpha · kids & family", "region": "Europe", "hq": "Paris, FR", "founded": 2018, "custody": "Custodial", "regulation_type": "Unclassified", "card_network": "MC", "card_type": "Debit", "cashback": null, "yield": null, "stablecoins": false, "kyc": "Yes", "domain": "kard.eu", "website": "https://kard.eu", "active_regions": [ "Europe" ], "note": "French teen banking app." }, { "name": "Pixpay", "category": "traditional", "audience": "gen alpha · kids & family", "region": "Europe", "hq": "Paris, FR", "founded": 2019, "custody": "Custodial", "regulation_type": "Unclassified", "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).", "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": "Unclassified", "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." }, { "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": "Unclassified", "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).", "funding": "Public (ASX:DOU)" }, { "name": "Parpera", "category": "traditional", "audience": "freelancers & creators", "region": "ANZ", "hq": "Sydney, AU", "founded": 2020, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "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/terms-of-service", "privacy_url": "https://aspireapp.com/privacy-policy", "x_handle": "AspireApp", "countries": [ "Singapore", "Hong Kong", "Indonesia", "Vietnam" ] }, { "name": "YouTrip", "category": "traditional", "audience": "travel", "region": "Asia", "hq": "Singapore, SG", "founded": 2018, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "founders": "Caecilia Chu, Arthur Mak", "funding": "~$100M+ raised", "terms_url": "https://www.you.co/sg/terms/", "privacy_url": "https://www.you.co/sg/privacy/", "x_handle": "YouTripApp", "countries": [ "Singapore", "Thailand", "Malaysia" ] }, { "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", "region": "LatAm", "hq": "São Paulo, BR", "founded": 2019, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "founders": "Lucas Vargas, Patrick Sigrist", "funding": "~$60M raised", "terms_url": "https://www.nomadglobal.com/termos-de-uso", "privacy_url": "https://www.nomadglobal.com/politica-de-privacidade", "x_handle": "nomadglobal", "countries": [ "Brazil", "United States" ] }, { "name": "Pomelo", "category": "traditional", "audience": "immigrants & migrants", "region": "US", "hq": "San Francisco, US", "founded": 2021, "custody": "Custodial", "regulation_type": "Unclassified", "card_network": "MC", "card_type": "Credit + remittance", "cashback": null, "yield": null, "stablecoins": false, "kyc": "Yes", "domain": "pomelo.com", "website": "https://pomelo.com", "active_regions": [ "North America" ], "note": "Send money home via credit; US↔PH corridor.", "story": "Turns remittances into credit-building: send money home on a card, build US credit history.", "founders": "Eric Velasquez Frenkiel", "funding": "~$70M incl. debt", "terms_url": "https://www.pomelo.com/terms-of-service", "privacy_url": "https://www.pomelo.com/privacy-policy", "x_handle": "pomelo", "countries": [ "United States", "Philippines" ] }, { "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", "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": "Unclassified", "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.", "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": "Unclassified", "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.", "terms_url": "https://www.beyonmoney.com/terms", "privacy_url": "https://www.beyonmoney.com/privacy", "x_handle": "beyonmoney", "countries": [ "Bahrain" ] }, { "name": "Fasset", "category": "hybrid", "audience": "faith-based", "region": "MENA", "hq": "Dubai, AE", "founded": 2019, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "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": "Unclassified", "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.", "terms_url": "https://www.kontigo.lat/terms", "privacy_url": "https://www.kontigo.lat/privacy", "x_handle": "kontigoapp", "countries": [ "Venezuela", "Colombia", "Mexico" ] }, { "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": "Unclassified", "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." }, { "name": "Nyla", "category": "traditional", "audience": "general", "region": "Africa", "hq": "Lagos, NG", "founded": 2024, "custody": "Custodial", "regulation_type": "Unclassified", "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)." }, { "name": "Munify", "category": "traditional", "audience": "immigrants & migrants", "region": "MENA", "hq": "Cairo, EG", "founded": 2024, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "Moneco", "category": "traditional", "audience": "immigrants & migrants", "region": "Europe", "hq": "Paris, FR", "founded": 2022, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "terms_url": "https://moneco.app/terms", "privacy_url": "https://moneco.app/privacy", "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": "Unclassified", "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." }, { "name": "GCash", "category": "traditional", "audience": "underbanked", "region": "Asia", "hq": "Manila, PH", "founded": 2004, "custody": "Custodial", "regulation_type": "Unclassified", "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.", "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": "Unclassified", "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.", "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": "Unclassified", "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." }, { "name": "GrabPay", "category": "traditional", "audience": "general", "region": "Asia", "hq": "Singapore, SG", "founded": 2016, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "GoPay", "category": "traditional", "audience": "general", "region": "Asia", "hq": "Jakarta, ID", "founded": 2016, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "OVO", "category": "traditional", "audience": "general", "region": "Asia", "hq": "Jakarta, ID", "founded": 2017, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "DANA", "category": "traditional", "audience": "general", "region": "Asia", "hq": "Jakarta, ID", "founded": 2018, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "TrueMoney", "category": "traditional", "audience": "underbanked", "region": "Asia", "hq": "Bangkok, TH", "founded": 2003, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "MoMo", "category": "traditional", "audience": "general", "region": "Asia", "hq": "Ho Chi Minh City, VN", "founded": 2013, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "ZaloPay", "category": "traditional", "audience": "general", "region": "Asia", "hq": "Ho Chi Minh City, VN", "founded": 2016, "custody": "Custodial", "regulation_type": "Unclassified", "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." }, { "name": "Touch 'n Go eWallet", "category": "traditional", "audience": "general", "region": "Asia", "hq": "Kuala Lumpur, MY", "founded": 2017, "custody": "Custodial", "regulation_type": "Unclassified", "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." } ] }