# Column

> Column is a nationally chartered U.S. bank that builds its own banking software and sells programmable accounts, payments, card issuing, and lending infrastructure to fintechs and financial institutions. Its direct bank relationship and internally built core reduce the layers between a developer and the banking system. Named customers include Brex, Mercury, Ramp, and Best Egg.

- **Founded:** 2019
- **Headquarters:** San Francisco, United States
- **Founders:** William Hockey (Co-founder and CEO), Annie Robertson Hockey (Co-founder; former co-CEO; board director as reported in February 2026)
- **Products:** Bank Accounts and Ledger, Payments, Realtime payments, Credit and Capital, Full-stack card issuing
- **Notable:** Acquired Northern California National Bank in 2021 and publicly launched Column on April 21, 2022., Built its own core and ledger rather than relying on a third-party core provider., Made its RTP and FedNow product generally available in May 2025.

## Products & services

- **Bank Accounts and Ledger** — Programmable accounts, multiple account numbers with permissions and limits, and a transaction system of record.
- **Payments** — ACH, domestic and international wires, book transfers, and checks through APIs.
- **Realtime payments** — RTP and FedNow payments, receipts, and requests; general availability announced May 13, 2025.
- **Credit and Capital** — Loan origination plus warehouse lines, forward-flow purchases, and loan retention; expanded capital products announced October 3, 2025.
- **Full-stack card issuing** — Issuing bank, internally built issuer processor, and capital, with Visa and Mastercard integrations. Customers may bring their own processor or capital.
- **Stablecoins** — USDC and USDT conversion and transfers integrated with the bank ledger and fiat payment rails; announced September 16, 2026.
- **Global banking** — Accounts and cards for verified non-U.S. individuals and businesses, subject to onboarding and program eligibility.
- **Multicurrency and local payouts** — Foreign-currency accounts, FX, and local payment connections including SEPA Instant and Faster Payments.

## Achievements

- Acquired Northern California National Bank in 2021 and publicly launched Column on April 21, 2022.
- Built its own core and ledger rather than relying on a third-party core provider.
- Made its RTP and FedNow product generally available in May 2025.
- Released four interconnected product expansions in September 2026.

## Latest updates

- **2026-09** — Announced stablecoins, full-stack card issuing, global banking, and multicurrency accounts/local payouts on September 16.
- **2026-06** — Rebuilt documentation around the OpenAPI specification, generated references, search, and Markdown for model-assisted development.
- **2025-10** — Expanded capital offerings with warehouse lines, forward flows, and loan retention.
- **2025-09** — Published its employee equity and annual liquidity approach.

## Links

- Website: https://column.com/
- LinkedIn: https://www.linkedin.com/company/column-bank
- Twitter/X: https://twitter.com/column
- GitHub: https://github.com/column

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Profile page: https://yespress.io/column
Published by YesPress — https://yespress.io
Last updated: 2026-10-25