Binkey

Binkey is a Washington, DC fintech that lets online merchants accept pre-tax health benefit dollars - FSA, HSA, and related accounts - as payment at checkout. Its AI-powered engine classifies products at the SKU level to determine IRS eligibility in real time, automates claim filing and reimbursement, and routes funds through developer-friendly APIs. Products span Binkey Pay (checkout acceptance), FSA + HSA Rewind (recovering unused benefit dollars from past purchases), and Binkey Vision (out-of-network vision reimbursement). The company raised $3.3M in seed funding in 2023.