# Mine

> Mine (formerly Fizz) is a New York-based fintech building an AI-powered personal finance platform for young adults. Its flagship product is a credit-building card that works like a debit card - spending is capped by your bank balance, repaid daily via autopay, and reported to the credit bureaus so users build credit history without interest, fees, or the risk of falling into debt. In January 2026 the company rebranded from Fizz to Mine and launched MoneyGPT, an AI money agent that learns a user's habits and goals to deliver spending, saving, and planning advice.

- **Founded:** 2021
- **Headquarters:** New York, New York, United States
- **Founders:** Carlo Kobe (Co-founder & CEO), Scott Smith (Co-founder & COO)
- **Team size:** ~71 employees (Apollo); earlier ~18 per Y Combinator
- **Products:** Mine Card, MoneyGPT, Budgeting & credit monitoring, Financial literacy courses, Rewards
- **Notable:** Reached roughly 1 million users, Reached ~$10M annual recurring revenue, Raised $28M+ total across Seed and Series A

## Products & services

- **Mine Card** — A credit-building card that works like a debit card: no credit check, a credit line based on your bank balance, daily autopay, and good payment history reported to Experian and TransUnion. Issued via partner bank (Lead Bank).
- **MoneyGPT** — An AI money agent launched in January 2026 that learns a user's spending habits, understands their goals, and gives instant, practical guidance on spending, saving, and longer-term planning.
- **Budgeting & credit monitoring** — Spend tracking, budgeting tools, and credit score monitoring, available on a free tier.
- **Financial literacy courses** — Gamified, quiz-format financial education aimed at 18-24 year olds.
- **Rewards** — Cashback and partner rewards with brands including Uber and Nike.

## Achievements

- Reached roughly 1 million users
- Reached ~$10M annual recurring revenue
- Raised $28M+ total across Seed and Series A
- Rebranded from Fizz to Mine and launched MoneyGPT (Jan 2026)
- Backed by Kleiner Perkins, 359 Capital, FJ Labs and Y Combinator

## Latest updates

- **2026-01** — Rebranded from Fizz to Mine, raised a $14M Series A led by 359 Capital, and launched MoneyGPT, an AI personal finance agent.
- **2024-06** — Raised a $14.4M seed round led by Kleiner Perkins for the credit-building debit card.

## Links

- Website: https://usemine.com
- LinkedIn: https://www.linkedin.com/company/minefinancial/
- Twitter/X: https://twitter.com/joinfizz
- YouTube: https://www.youtube.com/@joinfizz
- Instagram: https://www.instagram.com/joinfizz/
- Facebook: https://facebook.com/JoinFizzFB/
- TikTok: https://www.tiktok.com/@joinfizz

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Profile page: https://yespress.io/mine
Published by YesPress — https://yespress.io
Last updated: 2026-06-08