Meow
SMB banking born from crypto treasuries.
- Who holds it
- A sponsor bank behind the brand — not the app you signed up with — Partner banks (Grasshopper Bank, Cross River Bank); fintech, not a bank; FDIC via partners.
- The ledger
- Split between a program manager and the sponsor bank — the modular setup that broke in Synapse.
- If it fails
- Any claim runs through the sponsor bank, and only works if the two ledgers reconcile.
Derived from Meow’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 | hybrid · SMB & startups |
| HQ | New York, US |
| Founded | 2021 |
| Custody | Custodial |
| Regulation type | Partner-bank model |
| License detail | Partner banks (Grasshopper Bank, Cross River Bank); fintech, not a bank; FDIC via partners |
| Card | No card |
| Yield | Treasury yield |
| Stablecoins | Yes |
| KYC | Yes |
| Active regions | North America |
| Founders | Brandon Arvanaghi |
| Funding | ~$40M raised |
Verified links: official site ↗
Common questions about Meow
What is Meow?
Meow is a fiat-and-crypto neobank built for SMB & startups, headquartered in New York, US and founded in 2021. Your money is held custodially, so Meow or its partner bank holds the balance and you hold a claim on it. It operates on a partner-bank model (Partner banks (Grasshopper Bank, Cross River Bank); fintech, not a bank; FDIC via partners).
Does Meow have a card, and where can you use it?
It issues no card of its own. It is available in North America.
Does Meow require KYC?
Yes. Meow requires identity verification (KYC) to open an account, as a partner-bank model.
What does Meow cost?
From the verified fields: yield Treasury yield. Cashback and yield are "up to" figures that change constantly and often depend on a paid plan — confirm current terms with Meow before relying on them.
Head-to-head
Meow vs Slash · Meow vs Flex · Meow vs Dolafy
Peers
Revolut · Cash App · Mogo · Venmo · Robinhood · Crypto.com
Meow appears in
Neobanks running on someone else’s banking license (81) · Neobanks available in North America (126) · Neobanks for small businesses and startups (33) · Neobanks with no card of their own (67) · Neobanks in United States (66)
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.