True Link
Prepaid cards with guardrails protecting seniors from fraud and financial abuse.
Cards protecting seniors + vulnerable adults.
- Who holds it
- A sponsor bank behind the brand — not the app you signed up with — Partner bank (Sunrise Banks, N.A.); True Link Visa prepaid cards.
- 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 True Link’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 · seniors |
| HQ | San Francisco, US |
| Founded | 2012 |
| Custody | Custodial |
| Regulation type | Partner-bank model |
| License detail | Partner bank (Sunrise Banks, N.A.); True Link Visa prepaid cards |
| Card | Visa · Prepaid |
| Stablecoins | No |
| KYC | Yes |
| Active regions | North America |
| Founders | Kai Stinchcombe, Claire McDonnell |
Verified links: official site ↗
Common questions about True Link
What is True Link?
True Link is a fiat neobank built for seniors, headquartered in San Francisco, US and founded in 2012. Your money is held custodially, so True Link or its partner bank holds the balance and you hold a claim on it. It operates on a partner-bank model (Partner bank (Sunrise Banks, N.A.); True Link Visa prepaid cards).
Does True Link have a card, and where can you use it?
It issues a Visa prepaid card. It is available in North America.
Does True Link require KYC?
Yes. True Link requires identity verification (KYC) to open an account, as a partner-bank model.
Head-to-head
Peers
Chime · Wise · Varo · Current · SoFi · Ally Bank
True Link appears in
Neobanks running on someone else’s banking license (81) · Neobanks available in North America (126) · Neobanks that issue a Visa card (182) · 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.