high-yield-savings
(6)
The Credit Card Company Hiding in America’s Shopping Bags
Bread Financial sits behind the cards, rewards and payment plans of brands from Ulta to the NFL. Its quiet advantage is not a flashy app - it is the machinery that turns a checkout into a long-term financial relationship.
Ally
Ally began as the machinery behind America’s dealerships. A century later, its old auto-finance engine is funding one of the country’s largest digital banks - and a quieter experiment in what a full-service fintech can become.
Lili
Lili is a New York-based financial technology company that runs an all-in-one business banking platform for small businesses. It bundles a fee-free business checking account with built-in accounting, expense management, invoicing, automated tax savings and high-yield savings - collapsing tools that owners would otherwise stitch together. Founded in 2018 by Lilac Bar David and Liran Zelkha, Lili started serving freelancers and solopreneurs and has since repositioned toward growing, multi-employee small businesses. Banking services are provided through partner bank Sunrise Banks, N.A., Member FDIC.
Fispoke
Fispoke is a Florida-based fintech that gives independent financial advisors the private-banking toolkit normally reserved for the biggest institutions - without the advisor having to become a bank. Its platform embeds high-yield cash accounts, securities-backed loans, mortgages, advisor-branded credit cards, and business financing into the software advisors already use, handling the infrastructure, compliance, and execution behind the scenes. Founded in 2023 by Robert Clare and led by a bench of former wealth and banking executives, Fispoke raised over $2 million in seed capital and has partnered with First Rate and Wealthbox to bridge the long-standing gap between wealth management and banking.
M1
M1 is a Chicago-based personal finance platform that bundles investing, borrowing, and spending into a single app it calls 'The Finance Super App.' Built around customizable 'Pies' that let people design a portfolio of stocks and ETFs and automate contributions and rebalancing, M1 aims to give self-directed investors the kind of automated, low-cost money management once reserved for the wealthy. Founded in 2016 by Brian Barnes, the company has raised more than $300 million and surpassed $10 billion in assets under management.
Raisin
Raisin is a Berlin-based fintech that runs a pan-European and US savings and investment marketplace, letting retail customers shop competitive interest rates across hundreds of partner banks from a single account, while giving banks an on-demand channel to gather deposits. Beyond its consumer marketplace, Raisin licenses white-label 'savings-as-a-service' technology to financial institutions and offers ETF, pension and investment products. The company surpassed one million customers, turned profitable in 2022 after a decade of operation, and intermediates tens of billions of euros in deposits across more than 30 markets.