Flex vs Shield
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Risposta breveBoth are hybrid neobanks. Flex pays yield on balances. Compare custody, license, FX markup and fees field by field below.
Confronto diretto
| Flex | Shield | |
|---|---|---|
| Categoria | ibrida | ibrida |
| Pubblico | SMB & startups | SMB & startups |
| Sede | San Francisco, US | Miami, US |
| Fondata | 2022 | 2022 |
| Custodia | In custodia | In custodia |
| Tipo di regolamentazione | Modello partner-bank | Modello partner-bank |
| Dettaglio licenza | Partner banks (Column, Lead, Thread) | Partner banks (Cross River Bank, Lead Bank) via licensed partners incl. Bridge (NMLS 2450917); FinCEN-registered MSB; card issued by First Internet Bank of Indiana via CapitalOS |
| Carta | Visa · Business charge + credit | Visa · Business credit (pay-in-full) |
| Cashback | Cashback + points | Up to 2% (new customers) |
| Rendimento | Up to ~2.5% APY on idle cash | — |
| Maggiorazione FX | — | — |
| Servizi | — | — |
| Stablecoin | Sì | Sì |
| KYC | Sì | Sì |
| Regioni attive | Nord America | Nord America |
| Utenti dichiarati | — | — |
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.