FACILE
A small Miami bank's fee-free digital brand, built and operated end to end by Nymbus.
Pacific National Bank's fee-free digital bank, run end to end on Nymbus; early paycheck access and P2P.
- Who holds it
- The company itself — it holds a full banking licence — Bank (Pacific National Bank, Member FDIC), digital brand run on Nymbus SmartLaunch.
- The ledger
- The bank’s own core ledger.
- If it fails
- A covered-deposit payout through the local scheme, up to its limit.
Derived from FACILE’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | traditional |
| HQ | Miami, US |
| Founded | 2020 |
| Custody | Custodial |
| Regulation type | Licensed bank |
| License detail | Bank (Pacific National Bank, Member FDIC), digital brand run on Nymbus SmartLaunch |
| Card | No card |
| Stablecoins | No |
| KYC | Yes |
| Active regions | North America |
| Countries | United States |
| Founders | Pacific National Bank |
Verified links: official site ↗ · privacy ↗
Common questions about FACILE
What is FACILE?
FACILE is a fiat neobank, headquartered in Miami, US and founded in 2020. Your money is held custodially, so FACILE or its partner bank holds the balance and you hold a claim on it. It is regulated as a licensed bank (Bank (Pacific National Bank, Member FDIC), digital brand run on Nymbus SmartLaunch).
Does FACILE have a card, and where can you use it?
It issues no card of its own. It is available in North America.
Does FACILE require KYC?
Yes. FACILE requires identity verification (KYC) to open an account, as a licensed bank.
Peers
Chime · Wise · Varo · Current · SoFi · Ally Bank
FACILE appears in
Neobanks that hold their own banking license (140) · Neobanks that require identity verification (349) · Neobanks available in North America (129) · Neobanks with no card of their own (74) · Neobanks in United States (68)
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.