Neobanche
Stati Uniti — Neobanche
NotaPagina localizzata automaticamente — titoli, dati chiave e categorie in italiano; le descrizioni dettagliate e i dati verificati provengono dal profilo originale in inglese.
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.
Stati Uniti
| Neobanche | Categoria | Sede | Custodia | Tipo di regolamentazione | Utenti dichiarati |
|---|---|---|---|---|---|
| Cash App | ibrida | Oakland, US | In custodia | Via Block's bank + BitLicense | 59M transacting actives (2025) |
| Chime | tradizionale | San Francisco, US | In custodia | Partner banks (The Bancorp, Stride) | 22M members (2024) |
| Phantom | web3-nativa | San Francisco, US | Auto-custodia | Self-custodial software | 15M MAU (2025) |
| Albert | tradizionale | Culver City, US | In custodia | Partner banks (Sutton Bank, Stride Bank; savings via Coastal Community Bank, Wells Fargo) | — |
| Ally Bank | tradizionale | Detroit, US | In custodia | National bank charter | — |
| Always.bank | tradizionale | Birmingham, US | In custodia | FDIC-insured national bank charter (22nd State Banking Company) | — |
| BitPay Card | ibrida | Atlanta, US | In custodia | BitLicense (NYDFS) + FinCEN MSB + 20+ state money-transmitter licenses | — |
| Bluevine | tradizionale | Redwood City, US | In custodia | Partner bank (Coastal Community Bank) + sweep-network program banks (up to $3M FDIC); credit line via Celtic Bank | — |
| Branch | tradizionale | Minneapolis, US | In custodia | Partner banks (Lead Bank; Evolve Bank & Trust); Mastercard debit for workforce payouts | — |
| Brex | tradizionale | San Francisco, US | In custodia | Partner banks | — |
| Brookwell | ibrida | New York, US | In custodia | Partner bank: Erebor Bank, N.A. (Member FDIC) | — |
| Charlie | tradizionale | Los Angeles, US | In custodia | Partner bank (Sutton Bank); Visa debit; FDIC pass-through insurance | — |
| Chipper Cash | ibrida | San Francisco, US | In custodia | Licensed e-money/payments across Africa (CBN, BoG, BoU, BNR); 40+ US money-transmitter licenses; FCA EMI (UK) | — |
| Coinbase Card | ibrida | San Francisco, US | In custodia | US state licenses, MiCA; Public (COIN) | — |
| Comun | tradizionale | New York, US | In custodia | Partner bank (Community Federal Savings Bank); Visa debit; FDIC pass-through | — |
| Copper | tradizionale | Seattle, US | In custodia | Partner bank (Evolve Bank & Trust); relaunched family banking after 2024 Synapse collapse | — |
| Current | tradizionale | New York, US | In custodia | Partner banks (Choice, Cross River) | — |
| Daimo | web3-nativa | New York, US | Auto-custodia | Open-source self-custodial software | — |
| Dakota | web3-nativa | New York, US | Auto-custodia | Software di auto-custodia | — |
| Dave | tradizionale | Los Angeles, US | In custodia | Partner bank (Evolve) | — |
| Deel | ibrida | San Francisco, US | In custodia | MSB + US state money-transmitter licenses (DPayments); US wallet via Alviere/CFSB; DLUSD via Bridge | — |
| Eco (Beam) | web3-nativa | New York, US | Auto-custodia | Self-custodial (Eco protocol) | — |
| Ellevest | tradizionale | New York, US | In custodia | SEC-registered investment adviser; Partner bank (Coastal Community Bank) for cash accounts | — |
| EtherFi Cash | web3-nativa | Miami, US | Auto-custodia | DeFi protocol + issuer partners | — |
| Exodus | web3-nativa | Omaha, US | Auto-custodia | Software di auto-custodia | — |
| First Women's Bank | tradizionale | Chicago, US | In custodia | National bank charter | — |
| Flex | ibrida | San Francisco, US | In custodia | Partner banks (Column, Lead, Thread) | — |
| Fold | ibrida | Phoenix, US | In custodia | Partner bank (Sutton Bank) issues Fold Visa prepaid card; BTC via Fortress Trust, BitGo-insured custody | — |
| Found | tradizionale | San Francisco, US | In custodia | Partner bank (Lead Bank); FDIC pass-through up to $250k; formerly Piermont Bank | — |
| Gemini Credit Card | ibrida | New York, US | In custodia | NYDFS trust | — |
| GetPlu | ibrida | Delaware, US | In custodia | Card program on partner institutions (Crossmint rails); not a bank or custodian itself | — |
| Grasshopper | tradizionale | New York, US | In custodia | National bank charter (de novo 2019) | — |
| Greenlight | tradizionale | Atlanta, US | In custodia | Partner bank (Community Federal) | — |
| Greenwood | tradizionale | Atlanta, US | In custodia | Partner bank (Coastal Community Bank); Mastercard debit; FDIC pass-through | — |
| Karat | tradizionale | Los Angeles, US | In custodia | Partner bank (Grasshopper Bank, N.A.); Karat Visa credit card issued by Cross River Bank | — |
| Karta | web3-nativa | Redwood City, US | Auto-custodia MPC | Self-custodial (MPC via Privy); Visa issued by Rain | — |
| Krak | ibrida | San Francisco, US | In custodia | US state licenses; MiCA (EU) | — |
| Lava | ibrida | New York, US | In custodia | Custodial (cold storage, distributed keys) since Sept 2025 | — |
| Lili | tradizionale | New York, US | In custodia | Partner bank (Sunrise Banks, N.A.); wires via Column Bank; formerly Choice Financial | — |
| Majority | tradizionale | Houston, US | In custodia | Partner bank (Axiom Bank, N.A.); Visa debit; credit card issued by WebBank | — |
| Marcus | tradizionale | New York, US | In custodia | Goldman Sachs Bank USA national bank charter (OCC); Member FDIC | — |
| Meow | ibrida | New York, US | In custodia | Partner banks (Grasshopper Bank, Cross River Bank); fintech, not a bank; FDIC via partners | — |
| Mercury | tradizionale | San Francisco, US | In custodia | Partner banks (Choice, Column) | — |
| MoCaFi | tradizionale | New York, US | In custodia | Partner bank (Sunrise Banks, N.A., Member FDIC) for accounts and Mastercard debit | — |
| MoneyLion | tradizionale | New York, US | In custodia | Partner banks | — |
| Moto | web3-nativa | New York, US | Auto-custodia | Non-custodial; collateral held in Solana smart contracts, DeFi insurance pool instead of FDIC | — |
| NorthOne | tradizionale | New York, US | In custodia | Partner bank (The Bancorp Bank, N.A.); Mastercard business debit | — |
| Novo | tradizionale | Miami, US | In custodia | Partner bank (Middlesex Federal Savings, F.A.); Mastercard debit; credit card via Continental Bank | — |
| One | tradizionale | Sacramento, US | In custodia | Partner bank (Coastal Community) | — |
| Panacea Financial | tradizionale | Little Rock, US | In custodia | Division of Primis Bank (NASDAQ: FRST) — operates under Primis's US bank charter; FDIC-insured | — |
| Payy | web3-nativa | New York, US | Auto-custodia | Self-custodial ZK L2; card via issuer partners | — |
| Purple | tradizionale | New York, US | In custodia | Partner bank (OMB Bank, Member FDIC); Mastercard debit issued by OMB Bank | — |
| Rainbow | web3-nativa | New York, US | Auto-custodia | Software di auto-custodia | — |
| Ramp | tradizionale | New York, US | In custodia | Partner banks | — |
| Rho | tradizionale | New York, US | In custodia | Partner bank (Webster Bank, N.A.); savings swept across 400+ FDIC banks via ADM | — |
| Robinhood | ibrida | Menlo Park, US | In custodia | Broker-dealer + partner banks; state crypto licenses | — |
| Slash | ibrida | San Francisco, US | In custodia | Partner bank (Column N.A., Member FDIC); previously Piermont Bank | — |
| Slush | web3-nativa | Palo Alto, US | Auto-custodia | Self-custodial Sui wallet software | — |
| SoFi | tradizionale | San Francisco, US | In custodia | National bank charter (2022) | — |
| Step | tradizionale | Palo Alto, US | In custodia | Partner bank (Evolve) | — |
| Strike | ibrida | Chicago, US | In custodia | Money transmitter licenses + NY BitLicense (NYDFS, 2026); Zap Solutions, Inc. | — |
| Till Financial | tradizionale | Boston, US | In custodia | Partner bank (Coastal Community Bank); FDIC pass-through; Visa debit cards | — |
| True Link | tradizionale | San Francisco, US | In custodia | Partner bank (Sunrise Banks, N.A.); True Link Visa prepaid cards | — |
| Uphold | ibrida | New York, US | In custodia | FinCEN MSB + state money-transmitter licenses (US); FCA-registered cryptoasset firm (UK) | — |
| Varo | tradizionale | San Francisco, US | In custodia | National bank charter (2020) | — |
| Venmo | ibrida | New York, US | In custodia | PayPal's US state licenses (money transmitter, NMLS 910457); crypto via NYDFS trust company PayPal Digital | — |
| Wahed | tradizionale | New York, US | In custodia | 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.