Neobanks
USA — Neobanks
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These 67 are headquartered in the United States — parsed from the registered base of each company, so the count is complete. Availability is a different and much harder question: it is verified for 58 products in the United States so far, out of 381 tracked, so a neobank missing from the second table below has not been ruled out — it has not been checked. Corrections are welcome on GitHub.
USA
| Neobanks | Kategorie | Hauptsitz | Verwahrung | Regulierungstyp | Gemeldete Nutzer |
|---|---|---|---|---|---|
| Cash App | hybrid | Oakland, US | Verwahrt | Via Block's bank + BitLicense | 59M transacting actives (2025) |
| Chime | traditionell | San Francisco, US | Verwahrt | Partner banks (The Bancorp, Stride) | 22M members (2024) |
| Phantom | web3-nativ | San Francisco, US | Selbstverwahrt | Self-custodial software | 15M MAU (2025) |
| Albert | traditionell | Culver City, US | Verwahrt | Partner banks (Sutton Bank, Stride Bank; savings via Coastal Community Bank, Wells Fargo) | — |
| Ally Bank | traditionell | Detroit, US | Verwahrt | National bank charter | — |
| Always.bank | traditionell | Birmingham, US | Verwahrt | FDIC-insured national bank charter (22nd State Banking Company) | — |
| BitPay Card | hybrid | Atlanta, US | Verwahrt | BitLicense (NYDFS) + FinCEN MSB + 20+ state money-transmitter licenses | — |
| Bluevine | traditionell | Redwood City, US | Verwahrt | Partner bank (Coastal Community Bank) + sweep-network program banks (up to $3M FDIC); credit line via Celtic Bank | — |
| Branch | traditionell | Minneapolis, US | Verwahrt | Partner banks (Lead Bank; Evolve Bank & Trust); Mastercard debit for workforce payouts | — |
| Brex | traditionell | San Francisco, US | Verwahrt | Partner banks | — |
| Brookwell | hybrid | New York, US | Verwahrt | Partner bank: Erebor Bank, N.A. (Member FDIC) | — |
| Charlie | traditionell | Los Angeles, US | Verwahrt | Partner bank (Sutton Bank); Visa debit; FDIC pass-through insurance | — |
| Chipper Cash | hybrid | San Francisco, US | Verwahrt | Licensed e-money/payments across Africa (CBN, BoG, BoU, BNR); 40+ US money-transmitter licenses; FCA EMI (UK) | — |
| Coinbase Card | hybrid | San Francisco, US | Verwahrt | US state licenses, MiCA; Public (COIN) | — |
| Comun | traditionell | New York, US | Verwahrt | Partner bank (Community Federal Savings Bank); Visa debit; FDIC pass-through | — |
| Copper | traditionell | Seattle, US | Verwahrt | Partner bank (Evolve Bank & Trust); relaunched family banking after 2024 Synapse collapse | — |
| Current | traditionell | New York, US | Verwahrt | Partner banks (Choice, Cross River) | — |
| Daimo | web3-nativ | New York, US | Selbstverwahrt | Open-source self-custodial software | — |
| Dakota | web3-nativ | New York, US | Selbstverwahrt | Selbstverwahrende Software | — |
| Dave | traditionell | Los Angeles, US | Verwahrt | Partner bank (Evolve) | — |
| Deel | hybrid | San Francisco, US | Verwahrt | MSB + US state money-transmitter licenses (DPayments); US wallet via Alviere/CFSB; DLUSD via Bridge | — |
| Eco (Beam) | web3-nativ | New York, US | Selbstverwahrt | Self-custodial (Eco protocol) | — |
| Ellevest | traditionell | New York, US | Verwahrt | SEC-registered investment adviser; Partner bank (Coastal Community Bank) for cash accounts | — |
| EtherFi Cash | web3-nativ | Miami, US | Selbstverwahrt | DeFi protocol + issuer partners | — |
| Exodus | web3-nativ | Omaha, US | Selbstverwahrt | Selbstverwahrende Software | — |
| First Women's Bank | traditionell | Chicago, US | Verwahrt | National bank charter | — |
| Flex | hybrid | San Francisco, US | Verwahrt | Partner banks (Column, Lead, Thread) | — |
| Fold | hybrid | Phoenix, US | Verwahrt | Partner bank (Sutton Bank) issues Fold Visa prepaid card; BTC via Fortress Trust, BitGo-insured custody | — |
| Found | traditionell | San Francisco, US | Verwahrt | Partner bank (Lead Bank); FDIC pass-through up to $250k; formerly Piermont Bank | — |
| Gemini Credit Card | hybrid | New York, US | Verwahrt | NYDFS trust | — |
| GetPlu | hybrid | Delaware, US | Verwahrt | Card program on partner institutions (Crossmint rails); not a bank or custodian itself | — |
| Grasshopper | traditionell | New York, US | Verwahrt | National bank charter (de novo 2019) | — |
| Greenlight | traditionell | Atlanta, US | Verwahrt | Partner bank (Community Federal) | — |
| Greenwood | traditionell | Atlanta, US | Verwahrt | Partner bank (Coastal Community Bank); Mastercard debit; FDIC pass-through | — |
| Karat | traditionell | Los Angeles, US | Verwahrt | Partner bank (Grasshopper Bank, N.A.); Karat Visa credit card issued by Cross River Bank | — |
| Karta | web3-nativ | Redwood City, US | MPC-selbstverwahrt | Self-custodial (MPC via Privy); Visa issued by Rain | — |
| Krak | hybrid | San Francisco, US | Verwahrt | US state licenses; MiCA (EU) | — |
| Lava | hybrid | New York, US | Verwahrt | Custodial (cold storage, distributed keys) since Sept 2025 | — |
| Lili | traditionell | New York, US | Verwahrt | Partner bank (Sunrise Banks, N.A.); wires via Column Bank; formerly Choice Financial | — |
| Majority | traditionell | Houston, US | Verwahrt | Partner bank (Axiom Bank, N.A.); Visa debit; credit card issued by WebBank | — |
| Marcus | traditionell | New York, US | Verwahrt | Goldman Sachs Bank USA national bank charter (OCC); Member FDIC | — |
| Meow | hybrid | New York, US | Verwahrt | Partner banks (Grasshopper Bank, Cross River Bank); fintech, not a bank; FDIC via partners | — |
| Mercury | traditionell | San Francisco, US | Verwahrt | Partner banks (Choice, Column) | — |
| MoCaFi | traditionell | New York, US | Verwahrt | Partner bank (Sunrise Banks, N.A., Member FDIC) for accounts and Mastercard debit | — |
| MoneyLion | traditionell | New York, US | Verwahrt | Partner banks | — |
| Moto | web3-nativ | New York, US | Selbstverwahrt | Non-custodial; collateral held in Solana smart contracts, DeFi insurance pool instead of FDIC | — |
| NorthOne | traditionell | New York, US | Verwahrt | Partner bank (The Bancorp Bank, N.A.); Mastercard business debit | — |
| Novo | traditionell | Miami, US | Verwahrt | Partner bank (Middlesex Federal Savings, F.A.); Mastercard debit; credit card via Continental Bank | — |
| One | traditionell | Sacramento, US | Verwahrt | Partner bank (Coastal Community) | — |
| Panacea Financial | traditionell | Little Rock, US | Verwahrt | Division of Primis Bank (NASDAQ: FRST) — operates under Primis's US bank charter; FDIC-insured | — |
| Payy | web3-nativ | New York, US | Selbstverwahrt | Self-custodial ZK L2; card via issuer partners | — |
| Purple | traditionell | New York, US | Verwahrt | Partner bank (OMB Bank, Member FDIC); Mastercard debit issued by OMB Bank | — |
| Rainbow | web3-nativ | New York, US | Selbstverwahrt | Selbstverwahrende Software | — |
| Ramp | traditionell | New York, US | Verwahrt | Partner banks | — |
| Rho | traditionell | New York, US | Verwahrt | Partner bank (Webster Bank, N.A.); savings swept across 400+ FDIC banks via ADM | — |
| Robinhood | hybrid | Menlo Park, US | Verwahrt | Broker-dealer + partner banks; state crypto licenses | — |
| Slash | hybrid | San Francisco, US | Verwahrt | Partner bank (Column N.A., Member FDIC); previously Piermont Bank | — |
| Slush | web3-nativ | Palo Alto, US | Selbstverwahrt | Self-custodial Sui wallet software | — |
| SoFi | traditionell | San Francisco, US | Verwahrt | National bank charter (2022) | — |
| Step | traditionell | Palo Alto, US | Verwahrt | Partner bank (Evolve) | — |
| Strike | hybrid | Chicago, US | Verwahrt | Money transmitter licenses + NY BitLicense (NYDFS, 2026); Zap Solutions, Inc. | — |
| Till Financial | traditionell | Boston, US | Verwahrt | Partner bank (Coastal Community Bank); FDIC pass-through; Visa debit cards | — |
| True Link | traditionell | San Francisco, US | Verwahrt | Partner bank (Sunrise Banks, N.A.); True Link Visa prepaid cards | — |
| Uphold | hybrid | New York, US | Verwahrt | FinCEN MSB + state money-transmitter licenses (US); FCA-registered cryptoasset firm (UK) | — |
| Varo | traditionell | San Francisco, US | Verwahrt | National bank charter (2020) | — |
| Venmo | hybrid | New York, US | Verwahrt | PayPal's US state licenses (money transmitter, NMLS 910457); crypto via NYDFS trust company PayPal Digital | — |
| Wahed | traditionell | New York, US | Verwahrt | SEC-registered investment adviser; broker/custody via Apex Clearing (FINRA/SIPC) | — |
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.