stored-value
(3)
Accrue
Accrue is a New York fintech that powers modern customer loyalty at the payment layer. Its brandable, stored-value digital wallet lets merchants take control of their payments and refunds, reward repeat customers, and reduce reliance on traditional card networks. Founded in 2021 by Michael Hershfield as a 'save now, buy later' alternative to BNPL, the company has expanded into a full-stack wallet, reward engine, pay-by-bank payments and closed-loop refunds used to lift order value and shopper frequency.
Lava.ai
Lava.ai is a San Francisco software company that runs a Realtime AI customer-engagement platform for sports teams, live-event venues, retailers and large enterprises. Its engine ties together ticketing, point-of-sale, mobile wallets, apps, parking and live game feeds through 250+ integrations, then uses AI to deliver personalized offers, membership perks, stored-value rewards and clienteling 'in the moment.' Co-founded by TIBCO founder Vivek Ranadive and former TIBCO executive Wen Miao, Lava counts more than 50 franchises and brands - including the NBA, Real Madrid, the LA Rams and the Cleveland Browns - among its users.
Ansa
Ansa is a San Francisco fintech that builds API-first, white-labeled stored-value wallet infrastructure for merchants. It lets brands launch their own branded digital wallet - the Starbucks-app model - where customers pre-load funds and pay in-app, online, or in-store. By batching many small purchases into one funded balance, Ansa cuts card processing fees on low-ticket transactions while adding incentives, loyalty, and analytics on top. Founded in 2022 by Adyen and Affirm alumni Sophia Goldberg and JT Cho, Ansa raised a $14M Series A in April 2024 (about 95% of it from female investors), bringing total funding to roughly $19.4M.