{"data":[{"id":"revolut","slug":"revolut","name":"Revolut","primaryCategory":"banking-fintech","secondaryCategories":["multicurrency-account","remittance"],"audiences":["personal","business","travel"],"website":"https://www.revolut.com/","summary":"A multi-product financial platform whose exact legal and account structure varies by market.","verificationStatus":"verified_us_uk_india_australia_scoped","observedAt":"2026-07-13","confidence":"medium","sourceIds":["SRC-REVOLUT-US-TERMS","SRC-REVOLUT-US-CRYPTO-UNAVAILABLE","SRC-BOE-UK-DIGITAL-BANKS","SRC-REVOLUT-UK-BANK-TRANSITION","SRC-REVOLUT-IN-TERMS","SRC-REVOLUT-IN-MULTICURRENCY-CARD-TERMS","SRC-REVOLUT-IN-CURRENCY-EXCHANGE","SRC-REVOLUT-AU-TERMS","SRC-REVOLUT-AU-STANDARD-FEES","SRC-REVOLUT-AU-PERSONAL-MULTICURRENCY","SRC-REVOLUT-UK-BUSINESS-TERMS","SRC-REVOLUT-UK-BUSINESS-FEES"]},{"id":"wise","slug":"wise","name":"Wise","primaryCategory":"multicurrency-account","secondaryCategories":["remittance","business-finance"],"audiences":["personal","business","travel","freelancer"],"website":"https://wise.com/","summary":"A multicurrency account and international money-transfer platform with country-specific regulated entities.","verificationStatus":"verified_launch_markets_including_canada","observedAt":"2026-07-13","confidence":"high","sourceIds":["SRC-WISE-REGULATION","SRC-WISE-SAFEGUARDING","SRC-WISE-CRYPTO","SRC-WISE-US-ACCEPTABLE-USE","SRC-WISE-US-BUSINESS","SRC-WISE-BUSINESS-SENDING","SRC-WISE-BUSINESS-TRANSFER-RESTRICTIONS","SRC-WISE-US-BUSINESS-PRICING","SRC-WISE-US-BUSINESS-CARD","SRC-WISE-BUSINESS-BATCH","SRC-WISE-BUSINESS-TEAM","SRC-WISE-US-QUICKBOOKS","SRC-WISE-US-PROTECTION","SRC-WISE-UK-SAFEGUARDING","SRC-WISE-IN-REGULATION","SRC-WISE-IN-BUSINESS-RECEIVING","SRC-WISE-CA-REGULATION","SRC-WISE-CA-AVAILABILITY","SRC-WISE-CA-PRICING","SRC-WISE-AU-REGULATION","SRC-WISE-AU-AVAILABILITY","SRC-WISE-AU-PRICING","SRC-WISE-AU-ACCOUNT","SRC-WISE-AU-PERSONAL-MULTICURRENCY","SRC-WISE-AU-RECEIVING-FEES","SRC-WISE-UK-BUSINESS","SRC-WISE-UK-BUSINESS-PRICING"]},{"id":"airwallex","slug":"airwallex","name":"Airwallex","primaryCategory":"business-finance","secondaryCategories":["corporate-card","multicurrency-account"],"audiences":["business","platform","ecommerce"],"website":"https://www.airwallex.com/","summary":"A business payments, multicurrency account, cards and embedded-finance platform.","verificationStatus":"verified_us_canada_australia_business_conditional","observedAt":"2026-07-13","confidence":"high","sourceIds":["SRC-AIRWALLEX-US","SRC-AIRWALLEX-US-PRICING","SRC-AIRWALLEX-US-BUSINESS-ACCOUNT","SRC-AIRWALLEX-US-PROTECTION","SRC-AIRWALLEX-US-CARDS","SRC-AIRWALLEX-US-PAYMENTS","SRC-AIRWALLEX-US-LICENCES","SRC-AIRWALLEX-CA-BUSINESS","SRC-AIRWALLEX-CA-PRICING","SRC-AIRWALLEX-CA-PROTECTION","SRC-AIRWALLEX-AU-BUSINESS","SRC-AIRWALLEX-AU-PRICING","SRC-AIRWALLEX-AU-PROTECTION","SRC-AIRWALLEX-AU-GLOBAL-ACCOUNTS","SRC-AIRWALLEX-GLOBAL-ACCOUNT-DOCS","SRC-AIRWALLEX-GLOBAL-ACCOUNT-DEPOSITS","SRC-AIRWALLEX-GLOBAL-ACCOUNT-STATUSES","SRC-AIRWALLEX-GLOBAL-ACCOUNT-RETURNS"]},{"id":"bluevine","slug":"bluevine","name":"Bluevine","primaryCategory":"banking-fintech","secondaryCategories":["business-finance"],"audiences":["business","small-business"],"website":"https://www.bluevine.com/","summary":"A US business-finance technology company offering banking services through partner institutions.","verificationStatus":"verified_us_business_conditional","observedAt":"2026-07-12","confidence":"high","sourceIds":["SRC-BLUEVINE-US","SRC-BLUEVINE-US-ELIGIBILITY","SRC-BLUEVINE-US-AGREEMENT","SRC-BLUEVINE-US-PLANS","SRC-BLUEVINE-US-FEES","SRC-BLUEVINE-US-INTEREST","SRC-BLUEVINE-US-LIMITS","SRC-BLUEVINE-US-SWEEP","SRC-BLUEVINE-US-SWEEP-BANKS","SRC-BLUEVINE-US-PAYMENTS","SRC-BLUEVINE-US-USERS","SRC-BLUEVINE-US-QUICKBOOKS","SRC-BLUEVINE-US-SECURITY","SRC-BLUEVINE-US-INTERNATIONAL-OWNERS","SRC-FDIC-PASS-THROUGH"]},{"id":"paypal","slug":"paypal","name":"PayPal","primaryCategory":"payment-wallet","secondaryCategories":["remittance","crypto-exchange"],"audiences":["personal","business","merchant"],"website":"https://www.paypal.com/","summary":"A payment wallet and online-payments platform; it is not a bank.","verificationStatus":"verified_us_india_canada_australia_scoped","observedAt":"2026-07-13","confidence":"medium","sourceIds":["SRC-PAYPAL-US-AGREEMENT","SRC-PAYPAL-US-CRYPTO-TERMS","SRC-PAYPAL-US-CRYPTO-FEES","SRC-PAYPAL-US-BUSINESS-FEES","SRC-PAYPAL-IN-TERMS","SRC-PAYPAL-US-BALANCE-TERMS","SRC-PAYPAL-US-PROGRAM-BANKS","SRC-PAYPAL-US-CONSUMER-FEES","SRC-PAYPAL-US-BALANCE-WITHDRAWAL","SRC-PAYPAL-US-BANK-LINKING","SRC-PAYPAL-US-WITHDRAWAL-REVIEW","SRC-PAYPAL-US-WITHDRAWAL-CANCELLATION","SRC-PAYPAL-US-TRANSFER-ERRORS","SRC-PAYPAL-US-WITHDRAWAL-SUPPORT","SRC-PAYPAL-US-DEBIT-CARD","SRC-PAYPAL-US-SAVINGS","SRC-PAYPAL-US-PURCHASE-PROTECTION","SRC-PAYPAL-US-SELLER-PROTECTION","SRC-PAYPAL-US-SECURITY","SRC-PAYPAL-US-PASSKEY","SRC-PAYPAL-US-RESOLUTION-CENTER","SRC-PAYPAL-IN-FEES","SRC-PAYPAL-GOOGLE-PLAY","SRC-PAYPAL-APPLE-APP","SRC-PAYPAL-STATUS","SRC-PAYPAL-CA-AGREEMENT","SRC-PAYPAL-AU-AGREEMENT","SRC-PAYPAL-AU-PDS","SRC-PAYPAL-AU-FEES","SRC-PAYPAL-AU-MULTICURRENCY-BALANCES"]},{"id":"payoneer","slug":"payoneer","name":"Payoneer","primaryCategory":"business-finance","secondaryCategories":["remittance","multicurrency-account"],"audiences":["business","freelancer","marketplace-seller"],"website":"https://www.payoneer.com/","summary":"A cross-border payment platform for businesses, freelancers and marketplace sellers.","verificationStatus":"verified_us_india_conditional","observedAt":"2026-07-13","confidence":"medium","sourceIds":["SRC-PAYONEER-IN-RECEIVING","SRC-PAYONEER-IN-DISCLOSURES","SRC-PAYONEER-NOT-BANK","SRC-PAYONEER-BUSINESS-PRICING","SRC-PAYONEER-US-LICENSES","SRC-PAYONEER-US-DFPI","SRC-PAYONEER-SEC-2025","SRC-PAYONEER-MULTICURRENCY","SRC-PAYONEER-WISE-RECEIVING-GUIDANCE","SRC-PAYONEER-PAY-BALANCE","SRC-PAYONEER-WITHDRAW","SRC-PAYONEER-WITHDRAW-FAQ","SRC-PAYONEER-WITHDRAW-STATUS","SRC-PAYONEER-BANK-NAME-MATCH","SRC-PAYONEER-CARD","SRC-PAYONEER-SECURITY","SRC-PAYONEER-SUPPORT","SRC-PAYONEER-ERROR-RESOLUTION","SRC-PAYONEER-GOOGLE-PLAY","SRC-PAYONEER-APPLE-APP","SRC-PAYONEER-STATUS"]},{"id":"sofi","slug":"sofi","name":"SoFi","primaryCategory":"licensed-digital-bank","secondaryCategories":["crypto-exchange"],"audiences":["personal","crypto"],"website":"https://www.sofi.com/","summary":"A nationally chartered US bank offering checking and savings, an optional insured-deposit network and separately governed crypto and other financial products.","verificationStatus":"verified_us_personal_bank_review_conditional","observedAt":"2026-07-13","confidence":"high","sourceIds":["SRC-SOFI-OCC-CHARTER","SRC-SOFI-CHECKING","SRC-SOFI-CRYPTO-AGREEMENT","SRC-SOFI-RATE-SHEET","SRC-SOFI-FEE-SHEET","SRC-SOFI-SIDP-TERMS","SRC-SOFI-TRANSACTION-LIMITS","SRC-SOFI-CASH-ACCESS","SRC-SOFI-DIRECT-DEPOSIT","SRC-SOFI-CONTACT","SRC-SOFI-INSTANT-TRANSFER","SRC-SOFI-AGREEMENT-ACCESS"]},{"id":"cash-app","slug":"cash-app","name":"Cash App","primaryCategory":"payment-wallet","secondaryCategories":["banking-fintech","crypto-exchange"],"audiences":["personal","crypto"],"website":"https://cash.app/","summary":"A Block, Inc. financial platform with separate wallet, savings, partner-bank, card, brokerage, credit and virtual-currency arrangements; it is not a bank.","verificationStatus":"verified_us_personal_platform_review_conditional","observedAt":"2026-07-13","confidence":"high","sourceIds":["SRC-CASH-APP-US-TERMS","SRC-CASH-APP-CRYPTO-DISCLOSURES","SRC-CASH-APP-SAVINGS","SRC-CASH-APP-CARD-AGREEMENT","SRC-CASH-APP-CARD","SRC-CASH-APP-SAVINGS-RATE","SRC-CASH-APP-INVESTING","SRC-CASH-APP-BORROW"]},{"id":"coinbase","slug":"coinbase","name":"Coinbase","primaryCategory":"crypto-exchange","secondaryCategories":["payment-wallet"],"audiences":["personal","business","crypto"],"website":"https://www.coinbase.com/","summary":"A cryptocurrency exchange and custodial platform with separate United States Dollar cash, staking, card, subscription, securities and self-custody boundaries; it is not an FDIC-insured bank.","verificationStatus":"verified_us_personal_platform_review_conditional","observedAt":"2026-07-13","confidence":"high","sourceIds":["SRC-COINBASE-US-AGREEMENT","SRC-COINBASE-RESTRICTED-SERVICES","SRC-COINBASE-PAYMENT-METHODS","SRC-COINBASE-CA-AGREEMENT","SRC-COINBASE-CA-PAYMENT-METHODS","SRC-COINBASE-AU-AGREEMENT","SRC-COINBASE-AU-PAYMENT-METHODS","SRC-COINBASE-AU-FEES","SRC-COINBASE-US-CASH-CUSTODY","SRC-COINBASE-US-INSURANCE","SRC-COINBASE-VS-ADVANCED","SRC-COINBASE-STAKING-RISKS","SRC-COINBASE-CARD-FEES","SRC-COINBASE-CUSTODY-MODES","SRC-COINBASE-US-LICENSES"]},{"id":"chime","slug":"chime","name":"Chime","primaryCategory":"banking-fintech","secondaryCategories":[],"audiences":["personal"],"website":"https://www.chime.com/","summary":"A US financial technology platform whose checking, savings and card products are provided or issued by The Bancorp Bank, N.A. or Stride Bank, N.A.","verificationStatus":"verified_us_partner_bank_platform","observedAt":"2026-07-12","confidence":"high","sourceIds":["SRC-CHIME-SEC-10K","SRC-CHIME-BANCORP-CHECKING","SRC-CHIME-STRIDE-CHECKING","SRC-CHIME-CHECKING","SRC-FDIC-PASS-THROUGH"]},{"id":"varo","slug":"varo","name":"Varo","primaryCategory":"licensed-digital-bank","secondaryCategories":[],"audiences":["personal"],"website":"https://www.varomoney.com/","summary":"A directly chartered US national digital bank offering personal deposits, debit cards, secured credit-building and conditional lending products.","verificationStatus":"verified_us_national_bank","observedAt":"2026-07-12","confidence":"high","sourceIds":["SRC-VARO-OCC-CHARTER","SRC-VARO-BANK-AGREEMENT","SRC-VARO-BANK-ACCOUNT","SRC-VARO-SAVINGS","SRC-FDIC-DEPOSIT-INSURANCE"]},{"id":"monzo","slug":"monzo","name":"Monzo","primaryCategory":"licensed-digital-bank","secondaryCategories":[],"audiences":["personal","business"],"website":"https://monzo.com/","summary":"A UK-authorised digital bank offering personal and business accounts, paid plans and separate savings, credit and investment products; its former US partner-bank programme closed in June 2026.","verificationStatus":"verified_uk_bank_us_market_exit","observedAt":"2026-07-12","confidence":"high","sourceIds":["SRC-BOE-UK-DIGITAL-BANKS","SRC-MONZO-UK-SECURITY","SRC-MONZO-CURRENT-TERMS","SRC-MONZO-PERSONAL-ACCOUNT","SRC-MONZO-US-CLOSURE"]},{"id":"eq-bank","slug":"eq-bank","name":"EQ Bank","primaryCategory":"licensed-digital-bank","secondaryCategories":["banking-fintech"],"audiences":["personal","saver"],"website":"https://www.eqbank.ca/","summary":"The digital banking trade name of Equitable Bank, offering Canadian personal deposit products subject to exact account and eligibility terms.","verificationStatus":"verified_canada_personal_conditional","observedAt":"2026-07-12","confidence":"high","sourceIds":["SRC-EQ-PERSONAL-AGREEMENT","SRC-EQ-FEES-FEATURES","SRC-EQ-RATES","SRC-CDIC-DEPOSIT-COVERAGE"]},{"id":"wealthsimple","slug":"wealthsimple","name":"Wealthsimple","primaryCategory":"banking-fintech","secondaryCategories":["payment-wallet"],"audiences":["personal","investor","saver"],"website":"https://www.wealthsimple.com/","summary":"A Canadian financial platform whose chequing funds are held in trust with CDIC-member institutions; Wealthsimple itself is not a bank or CDIC member.","verificationStatus":"verified_canada_chequing_conditional","observedAt":"2026-07-12","confidence":"high","sourceIds":["SRC-WEALTHSIMPLE-CHEQUING-AGREEMENT","SRC-WEALTHSIMPLE-CHEQUING","SRC-WEALTHSIMPLE-PRICING","SRC-CDIC-DEPOSIT-COVERAGE"]},{"id":"up-bank","slug":"up-bank","name":"Up","primaryCategory":"licensed-digital-bank","secondaryCategories":["banking-fintech"],"audiences":["personal","saver","travel"],"website":"https://up.com.au/","summary":"An Australian mobile banking brand whose deposit products are issued by Bendigo and Adelaide Bank Limited.","verificationStatus":"verified_australia_personal_conditional","observedAt":"2026-07-12","confidence":"high","sourceIds":["SRC-UP-AU-TERMS","SRC-UP-AU-PRODUCT-TERMS","SRC-UP-AU-PRICING","SRC-APRA-FCS","SRC-APRA-ADI-REGISTER"]},{"id":"ubank","slug":"ubank","name":"Ubank","primaryCategory":"licensed-digital-bank","secondaryCategories":["banking-fintech"],"audiences":["personal","saver"],"website":"https://www.ubank.com.au/","summary":"An Australian digital banking division of National Australia Bank Limited offering personal transaction and savings accounts.","verificationStatus":"verified_australia_personal_conditional","observedAt":"2026-07-12","confidence":"high","sourceIds":["SRC-UBANK-AU-GENERAL-TERMS","SRC-UBANK-AU-SPEND","SRC-UBANK-AU-SAVE","SRC-APRA-FCS","SRC-APRA-ADI-REGISTER"]},{"id":"n26","slug":"n26","name":"N26","primaryCategory":"licensed-digital-bank","secondaryCategories":["banking-fintech","multicurrency-account"],"audiences":["personal","business","travel"],"website":"https://n26.com/","summary":"A German-licensed mobile bank offering personal and freelancer accounts across supported European markets, with product-specific plan, card, savings, investment and crypto conditions; all former US accounts are closed.","verificationStatus":"verified_germany_bank_us_market_exit","observedAt":"2026-07-12","confidence":"high","sourceIds":["SRC-N26-DE-BANKING","SRC-N26-DE-PLANS","SRC-N26-DE-DEPOSIT-PROTECTION","SRC-EDB-DEPOSIT-PROTECTION","SRC-N26-DE-AVAILABILITY","SRC-N26-US-CLOSURE"]},{"id":"bunq","slug":"bunq","name":"bunq","primaryCategory":"licensed-digital-bank","secondaryCategories":["banking-fintech","multicurrency-account"],"audiences":["personal","business","travel"],"website":"https://www.bunq.com/","summary":"A Dutch-licensed mobile bank serving eligible EEA residents and supported businesses, with Dutch deposit-guarantee treatment and market-, plan- and product-specific conditions.","verificationStatus":"verified_eea_personal_and_supported_business_conditional","observedAt":"2026-07-12","confidence":"high","sourceIds":["SRC-BUNQ-DE-PERSONAL-TERMS","SRC-BUNQ-DE-PLANS","SRC-DNB-DGS","SRC-DNB-BUNQ-DGS-REGISTER","SRC-DNB-BUNQ-BANK-REGISTER","SRC-BUNQ-EEA-ELIGIBILITY","SRC-BUNQ-BUSINESS-ELIGIBILITY"]},{"id":"boursobank","slug":"boursobank","name":"BoursoBank","primaryCategory":"licensed-digital-bank","secondaryCategories":["banking-fintech"],"audiences":["personal","business","travel"],"website":"https://www.boursobank.com/","summary":"The BoursoBank brand of French credit institution Boursorama, offering digital current accounts, cards, savings, investments and credit subject to product conditions.","verificationStatus":"verified_france_personal_conditional","observedAt":"2026-07-12","confidence":"high","sourceIds":["SRC-BOURSOBANK-FR-ACCOUNT","SRC-BOURSOBANK-FR-PROTECTION","SRC-BOURSOBANK-FR-PRICING","SRC-FGDR-DEPOSIT-PROTECTION"]},{"id":"nickel","slug":"nickel","name":"Nickel","primaryCategory":"payment-wallet","secondaryCategories":["banking-fintech"],"audiences":["personal","business","travel"],"website":"https://nickel.eu/","summary":"A French payment account and card service provided by Financiere des Paiements Electroniques, an ACPR-authorised payment institution rather than a bank.","verificationStatus":"verified_france_payment_account_conditional","observedAt":"2026-07-12","confidence":"high","sourceIds":["SRC-NICKEL-FR-LEGAL","SRC-NICKEL-FR-TERMS","SRC-NICKEL-FR-PROTECTION","SRC-NICKEL-FR-PRICING"]},{"id":"trust-bank-sg","slug":"trust-bank-sg","name":"Trust Bank","primaryCategory":"licensed-digital-bank","secondaryCategories":["banking-fintech"],"audiences":["personal","saver","travel"],"website":"https://trustbank.sg/","summary":"A Singapore digital full bank offering deposit, card and payment products subject to local eligibility and product terms.","verificationStatus":"verified_singapore_personal_conditional","observedAt":"2026-07-12","confidence":"high","sourceIds":["SRC-MAS-TRUST-BANK","SRC-TRUST-SG-SAVINGS","SRC-SDIC-DEPOSIT-INSURANCE"]},{"id":"gxs-bank","slug":"gxs-bank","name":"GXS Bank","primaryCategory":"licensed-digital-bank","secondaryCategories":["banking-fintech"],"audiences":["personal","business","saver"],"website":"https://www.gxs.com.sg/","summary":"A Singapore digital local bank offering savings, card, credit and business products with product-specific eligibility.","verificationStatus":"verified_singapore_personal_conditional","observedAt":"2026-07-12","confidence":"high","sourceIds":["SRC-MAS-GXS-BANK","SRC-GXS-SG-TERMS","SRC-GXS-SG-SAVINGS","SRC-SDIC-DEPOSIT-INSURANCE"]},{"id":"alpian","slug":"alpian","name":"Alpian","primaryCategory":"licensed-digital-bank","secondaryCategories":["multicurrency-account"],"audiences":["personal","saver","investor"],"website":"https://www.alpian.com/","summary":"A FINMA-authorised Swiss digital bank offering multicurrency banking, saving and separate investment products.","verificationStatus":"verified_switzerland_bank_conditional","observedAt":"2026-07-12","confidence":"high","sourceIds":["SRC-FINMA-CH-BANK-LIST","SRC-ALPIAN-CH-TERMS","SRC-ALPIAN-CH-PRICING","SRC-ESISUISSE-DEPOSIT-PROTECTION"]},{"id":"neon-ch","slug":"neon-ch","name":"neon","primaryCategory":"banking-fintech","secondaryCategories":["multicurrency-account"],"audiences":["personal","travel","saver"],"website":"https://www.neon-free.ch/","summary":"A Swiss financial app whose personal bank accounts are held at FINMA-authorised Hypothekarbank Lenzburg.","verificationStatus":"verified_switzerland_partner_bank_conditional","observedAt":"2026-07-12","confidence":"high","sourceIds":["SRC-FINMA-CH-BANK-LIST","SRC-NEON-CH-BANK-LICENCE","SRC-NEON-CH-PROTECTION","SRC-NEON-CH-PLANS","SRC-ESISUISSE-DEPOSIT-PROTECTION"]},{"id":"yuh","slug":"yuh","name":"Yuh","primaryCategory":"banking-fintech","secondaryCategories":["multicurrency-account","crypto-exchange"],"audiences":["personal","saver","investor","crypto"],"website":"https://www.yuh.com/","summary":"A Swissquote-owned finance app operated by Yuh Ltd whose banking, account, card, securities and digital-asset services use product-specific Swissquote Bank terms; PostFinance exited ownership in July 2025.","verificationStatus":"verified_switzerland_personal_platform_review_conditional","observedAt":"2026-07-13","confidence":"high","sourceIds":["SRC-FINMA-CH-BANK-LIST","SRC-YUH-CH-FAQ","SRC-YUH-CH-LEGAL","SRC-YUH-CH-PRICING","SRC-YUH-CH-PAYMENTS","SRC-YUH-CH-INVEST","SRC-YUH-CH-SAVINGS","SRC-YUH-CH-RESTRICTIONS","SRC-ESISUISSE-DEPOSIT-PROTECTION"]},{"id":"nubank","slug":"nubank","name":"Nubank","primaryCategory":"banking-fintech","secondaryCategories":["payment-wallet"],"audiences":["personal","business","saver"],"website":"https://nubank.com.br/","summary":"A Latin American financial platform whose exact payment-account, SOFIPO and deposit structure varies by market.","verificationStatus":"verified_brazil_and_mexico_scoped","observedAt":"2026-07-12","confidence":"high","sourceIds":["SRC-BCB-BR-INSTITUTIONS","SRC-NUBANK-BR-ACCOUNT-TERMS","SRC-NUBANK-BR-ACCOUNT","SRC-NUBANK-BR-FEES","SRC-FGC-BR-GUARANTEE","SRC-NU-MX-CONTRACT","SRC-NU-MX-ACCOUNT"]},{"id":"banco-inter","slug":"banco-inter","name":"Inter","primaryCategory":"licensed-digital-bank","secondaryCategories":["banking-fintech"],"audiences":["personal","business","saver","investor"],"website":"https://inter.co/","summary":"A Brazilian multiple bank offering a digital current account, Pix, cards and separate investment and credit products.","verificationStatus":"verified_brazil_bank_account_conditional","observedAt":"2026-07-12","confidence":"high","sourceIds":["SRC-BCB-BR-INSTITUTIONS","SRC-INTER-BR-BANKING","SRC-INTER-BR-FEES","SRC-FGC-BR-GUARANTEE"]},{"id":"mercado-pago","slug":"mercado-pago","name":"Mercado Pago","primaryCategory":"payment-wallet","secondaryCategories":["banking-fintech","business-finance"],"audiences":["personal","business","merchant","saver"],"website":"https://www.mercadopago.com.br/","summary":"A Latin American payment-account and merchant-payments platform whose legal entities, balance treatment, cards and credit vary by market.","verificationStatus":"verified_brazil_and_mexico_payment_accounts_conditional","observedAt":"2026-07-12","confidence":"high","sourceIds":["SRC-BCB-BR-INSTITUTIONS","SRC-MERCADOPAGO-BR-CARD-TERMS","SRC-MERCADOPAGO-BR-PROTECTION","SRC-MERCADOPAGO-MX-LEGAL","SRC-MERCADOPAGO-MX-PROTECTION"]},{"id":"picpay","slug":"picpay","name":"PicPay","primaryCategory":"payment-wallet","secondaryCategories":["banking-fintech"],"audiences":["personal","merchant","saver","investor"],"website":"https://picpay.com/","summary":"A Brazilian prepaid payment account whose optional automatic balance investment uses a separately issued partner CDB with product-specific FGC treatment.","verificationStatus":"verified_brazil_payment_account_and_partner_cdb_conditional","observedAt":"2026-07-12","confidence":"high","sourceIds":["SRC-BCB-BR-INSTITUTIONS","SRC-PICPAY-BR-TERMS","SRC-FGC-BR-GUARANTEE"]},{"id":"klar-mx","slug":"klar-mx","name":"Klar","primaryCategory":"banking-fintech","secondaryCategories":[],"audiences":["personal","saver"],"website":"https://www.klar.mx/","summary":"A Mexican SOFIPO offering app-based demand deposits, savings and separately governed credit products.","verificationStatus":"verified_mexico_sofipo_conditional","observedAt":"2026-07-12","confidence":"high","sourceIds":["SRC-CNBV-MX-SOFIPOS","SRC-KLAR-MX-ACCOUNT","SRC-KLAR-MX-LEGAL","SRC-PROSOFIPO-MX"]},{"id":"stori-mx","slug":"stori-mx","name":"Stori","primaryCategory":"banking-fintech","secondaryCategories":[],"audiences":["personal","saver"],"website":"https://www.storicard.com/","summary":"A Mexican SOFIPO offering demand and term deposits alongside separately contracted credit products.","verificationStatus":"verified_mexico_sofipo_conditional","observedAt":"2026-07-12","confidence":"high","sourceIds":["SRC-CNBV-MX-PES","SRC-STORI-MX-CONTRACT","SRC-STORI-MX-PROTECTION","SRC-STORI-MX-FEES","SRC-PROSOFIPO-MX"]},{"id":"uala-mx","slug":"uala-mx","name":"Ualá","primaryCategory":"licensed-digital-bank","secondaryCategories":["banking-fintech"],"audiences":["personal","saver","investor"],"website":"https://www.uala.mx/","summary":"A Mexican multiple bank offering app-based deposits, cards and separately governed credit and investment products.","verificationStatus":"verified_mexico_bank_conditional","observedAt":"2026-07-12","confidence":"high","sourceIds":["SRC-CNBV-MX-BANK-CAPITAL","SRC-UALA-MX-CONTRACTS","SRC-UALA-MX-COSTS","SRC-IPAB-MX-COVERAGE"]},{"id":"gotyme-bank","slug":"gotyme-bank","name":"GoTyme Bank","primaryCategory":"licensed-digital-bank","secondaryCategories":["banking-fintech"],"audiences":["personal","saver"],"website":"https://gotyme.co.za/","summary":"A South African digital bank, formerly TymeBank, offering a direct current account, deposits, cards and separately governed credit products.","verificationStatus":"verified_south_africa_bank_conditional","observedAt":"2026-07-12","confidence":"high","sourceIds":["SRC-SARB-ZA-BANKS","SRC-GOTYME-ZA-NAME","SRC-GOTYME-ZA-TERMS","SRC-GOTYME-ZA-FEES","SRC-CODI-ZA-COVERAGE"]},{"id":"bank-zero","slug":"bank-zero","name":"Bank Zero","primaryCategory":"licensed-digital-bank","secondaryCategories":["banking-fintech","business-finance"],"audiences":["personal","business","saver"],"website":"https://www.bankzero.co.za/","summary":"A South African digital mutual bank offering personal, business and deposit accounts with product-specific payment and card functions.","verificationStatus":"verified_south_africa_mutual_bank_conditional","observedAt":"2026-07-12","confidence":"high","sourceIds":["SRC-SARB-ZA-BANKS","SRC-BANKZERO-ZA-TERMS","SRC-BANKZERO-ZA-FEES","SRC-CODI-ZA-COVERAGE"]},{"id":"discovery-bank","slug":"discovery-bank","name":"Discovery Bank","primaryCategory":"licensed-digital-bank","secondaryCategories":["banking-fintech"],"audiences":["personal","saver","traveller"],"website":"https://www.discovery.co.za/bank/","summary":"A South African digital bank offering direct transaction and savings deposits plus separately governed credit, forex and rewards products.","verificationStatus":"verified_south_africa_bank_conditional","observedAt":"2026-07-12","confidence":"high","sourceIds":["SRC-SARB-ZA-BANKS","SRC-DISCOVERY-ZA-ACCOUNT","SRC-DISCOVERY-ZA-CODI","SRC-DISCOVERY-ZA-FEES"]},{"id":"capitec","slug":"capitec","name":"Capitec","primaryCategory":"licensed-digital-bank","secondaryCategories":["banking-fintech","business-finance"],"audiences":["personal","business","saver"],"website":"https://www.capitecbank.co.za/","summary":"A South African registered bank with digital and branch access across transaction, savings, business and separately governed credit products.","verificationStatus":"verified_south_africa_bank_conditional","observedAt":"2026-07-12","confidence":"high","sourceIds":["SRC-SARB-ZA-BANKS","SRC-CAPITEC-ZA-BANK","SRC-CAPITEC-ZA-FEES","SRC-CAPITEC-ZA-CODI"]},{"id":"om-bank","slug":"om-bank","name":"OM Bank","primaryCategory":"licensed-digital-bank","secondaryCategories":["banking-fintech"],"audiences":["personal","saver"],"website":"https://www.oldmutual.co.za/bank/","summary":"A South African registered bank offering app-based current, card and deposit products within the wider Old Mutual group.","verificationStatus":"verified_south_africa_bank_conditional","observedAt":"2026-07-12","confidence":"high","sourceIds":["SRC-SARB-ZA-BANKS","SRC-OMBANK-ZA-PA","SRC-OMBANK-ZA-CODI","SRC-OMBANK-ZA-PRODUCT"]},{"id":"stc-bank","slug":"stc-bank","name":"STC Bank","primaryCategory":"licensed-digital-bank","secondaryCategories":["banking-fintech"],"audiences":["personal","business","saver"],"website":"https://stcbank.com.sa/","summary":"A Saudi licensed digital bank offering current accounts, cards, deposits, transfers and separately governed finance products.","verificationStatus":"verified_saudi_digital_bank_conditional","observedAt":"2026-07-12","confidence":"high","sourceIds":["SRC-STCBANK-SA-LAUNCH","SRC-STCBANK-SA-TERMS","SRC-STCBANK-SA-FEES","SRC-SAMA-SA-DPF"]},{"id":"d360-bank","slug":"d360-bank","name":"D360 Bank","primaryCategory":"licensed-digital-bank","secondaryCategories":["banking-fintech"],"audiences":["personal","saver"],"website":"https://d360.com/","summary":"A Saudi licensed digital bank offering direct current accounts, mada cards, transfers and separately governed Mudaraba savings and lending products.","verificationStatus":"verified_saudi_digital_bank_conditional","observedAt":"2026-07-12","confidence":"high","sourceIds":["SRC-D360-SA-LAUNCH","SRC-D360-SA-SAVINGS","SRC-D360-SA-FEES","SRC-SAMA-SA-DPF"]},{"id":"al-rajhi-bank","slug":"al-rajhi-bank","name":"Al Rajhi Bank","primaryCategory":"licensed-digital-bank","secondaryCategories":["banking-fintech","business-finance"],"audiences":["personal","business","saver","investor"],"website":"https://www.alrajhibank.com.sa/","summary":"A Saudi licensed bank offering direct current and deposit accounts with digital, branch, mada and separately governed finance and investment services.","verificationStatus":"verified_saudi_bank_conditional","observedAt":"2026-07-12","confidence":"high","sourceIds":["SRC-SAMA-SA-LICENSED-BANKS","SRC-ALRAJHI-SA-ACCOUNT","SRC-ALRAJHI-SA-FEES","SRC-SAMA-SA-DPF"]},{"id":"saudi-national-bank","slug":"saudi-national-bank","name":"Saudi National Bank","primaryCategory":"licensed-digital-bank","secondaryCategories":["banking-fintech","business-finance"],"audiences":["personal","business","saver","investor"],"website":"https://www.alahli.com/","summary":"A Saudi licensed bank offering direct current and deposit accounts with digital, branch, mada, SADAD and separately governed finance and investment services.","verificationStatus":"verified_saudi_bank_conditional","observedAt":"2026-07-12","confidence":"high","sourceIds":["SRC-SAMA-SA-LICENSED-BANKS","SRC-SNB-SA-FEES","SRC-SNB-SA-SADAD","SRC-SAMA-SA-DPF"]},{"id":"urpay","slug":"urpay","name":"urpay","primaryCategory":"payment-wallet","secondaryCategories":["banking-fintech"],"audiences":["personal","traveller"],"website":"https://www.urpay.sa/","summary":"A Saudi electronic-money wallet provided by Global Digital Financial Solutions Company with conditional card, payment and remittance services.","verificationStatus":"verified_saudi_emi_wallet_conditional","observedAt":"2026-07-12","confidence":"high","sourceIds":["SRC-SAMA-SA-EMI-LIST","SRC-SAMA-SA-EMI-RULES","SRC-URPAY-SA-TERMS","SRC-URPAY-SA-CARD"]},{"id":"mercury","slug":"mercury","name":"Mercury","primaryCategory":"banking-fintech","secondaryCategories":["business-finance","corporate-card"],"audiences":["business","small-business","ecommerce","investor"],"website":"https://mercury.com/","summary":"A US business-finance technology platform providing partner-bank checking and savings, cards, payments and separately governed credit and investment products.","verificationStatus":"verified_us_business_review_conditional","observedAt":"2026-07-13","confidence":"high","sourceIds":["SRC-MERCURY-US-LEGAL","SRC-MERCURY-US-BUSINESS","SRC-MERCURY-US-ELIGIBILITY","SRC-MERCURY-US-PRICING","SRC-MERCURY-US-SWEEP","SRC-MERCURY-US-PAYMENTS","SRC-MERCURY-US-IO","SRC-MERCURY-US-TREASURY","SRC-MERCURY-US-PARTNER-MIGRATION","SRC-MERCURY-US-DISCLOSURES","SRC-MERCURY-US-PRICING-PAGE","SRC-MERCURY-US-CARDS","SRC-MERCURY-US-ATM","SRC-MERCURY-US-CARD-LIMITS","SRC-MERCURY-US-PAYMENT-LIMITS","SRC-MERCURY-US-SUPPORT","SRC-MERCURY-US-IO-ONLY","SRC-MERCURY-US-DISPUTES","SRC-FDIC-PASS-THROUGH"]},{"id":"starling","slug":"starling","name":"Starling Bank","primaryCategory":"licensed-digital-bank","secondaryCategories":["business-finance","banking-fintech"],"audiences":["business","small-business","freelancer"],"website":"https://www.starlingbank.com/","summary":"A UK bank directly providing conditional business and sole-trader current accounts, cards, payments and cash services.","verificationStatus":"verified_uk_business_bank_conditional","observedAt":"2026-07-13","confidence":"high","sourceIds":["SRC-STARLING-UK-BUSINESS-TERMS","SRC-STARLING-UK-BUSINESS-FEES","SRC-STARLING-UK-BUSINESS-ELIGIBILITY","SRC-STARLING-UK-FSCS"]},{"id":"rbc","slug":"rbc","name":"RBC Royal Bank","primaryCategory":"licensed-digital-bank","secondaryCategories":["business-finance","banking-fintech"],"audiences":["business","small-business","freelancer"],"website":"https://www.rbcroyalbank.com/business/","summary":"A Canadian bank directly providing conditional business deposit accounts, payments, branches, cash services and separately governed credit and merchant products.","verificationStatus":"verified_canada_business_bank_conditional","observedAt":"2026-07-13","confidence":"high","sourceIds":["SRC-RBC-CA-DIGITAL-CHOICE","SRC-RBC-CA-BUSINESS-FEES","SRC-CDIC-DEPOSIT-COVERAGE"]},{"id":"bmo","slug":"bmo","name":"BMO","primaryCategory":"licensed-digital-bank","secondaryCategories":["business-finance","banking-fintech"],"audiences":["business","small-business","freelancer"],"website":"https://www.bmo.com/en-ca/main/business/","summary":"A Canadian bank directly providing conditional business chequing, payments, branches, cash services and separately governed credit and merchant products.","verificationStatus":"verified_canada_business_bank_conditional","observedAt":"2026-07-13","confidence":"high","sourceIds":["SRC-BMO-CA-ESSENTIAL-BUSINESS","SRC-BMO-CA-BUSINESS-TERMS","SRC-CDIC-DEPOSIT-COVERAGE"]},{"id":"commbank","slug":"commbank","name":"CommBank","primaryCategory":"licensed-digital-bank","secondaryCategories":["business-finance","banking-fintech"],"audiences":["business","small-business","freelancer"],"website":"https://www.commbank.com.au/business/","summary":"An Australian ADI directly providing conditional business transaction deposits, electronic banking, cards, branches, cash services and separately governed credit or merchant products.","verificationStatus":"verified_australia_business_bank_conditional","observedAt":"2026-07-13","confidence":"high","sourceIds":["SRC-COMMBANK-AU-BUSINESS-TRANSACTION","SRC-COMMBANK-AU-BUSINESS-FEES","SRC-COMMBANK-AU-BUSINESS-TERMS","SRC-COMMBANK-AU-FOREIGN-CURRENCY-ACCOUNT","SRC-COMMBANK-AU-FOREIGN-CURRENCY-TERMS","SRC-APRA-FCS","SRC-APRA-ADI-REGISTER"]},{"id":"nab","slug":"nab","name":"NAB","primaryCategory":"licensed-digital-bank","secondaryCategories":["business-finance","banking-fintech"],"audiences":["business","small-business","freelancer"],"website":"https://www.nab.com.au/business/","summary":"An Australian ADI directly providing conditional business transaction deposits, electronic banking, cards, branches, cash services and separately governed credit or merchant products.","verificationStatus":"verified_australia_business_bank_conditional","observedAt":"2026-07-13","confidence":"high","sourceIds":["SRC-NAB-AU-BUSINESS-EVERYDAY","SRC-NAB-AU-BUSINESS-FEES","SRC-NAB-AU-BUSINESS-TERMS","SRC-NAB-AU-FOREIGN-CURRENCY-ACCOUNT","SRC-NAB-AU-FOREIGN-CURRENCY-TERMS","SRC-APRA-FCS","SRC-APRA-ADI-REGISTER"]},{"id":"icici-bank","slug":"icici-bank","name":"ICICI Bank","primaryCategory":"licensed-digital-bank","secondaryCategories":["multicurrency-account","business-finance"],"audiences":["business","freelancer","personal"],"website":"https://www.icicibank.com/","summary":"An Indian scheduled commercial bank providing a conditional non-interest-bearing EEFC current account for eligible resident foreign-exchange earners.","verificationStatus":"verified_india_eefc_bank_conditional","observedAt":"2026-07-13","confidence":"high","sourceIds":["SRC-RBI-BANK-LIST","SRC-RBI-IN-FOREIGN-CURRENCY-ACCOUNTS","SRC-RBI-IN-EEFC-DIRECTION","SRC-ICICI-IN-EEFC-ACCOUNT","SRC-DICGC-IN-DEPOSIT-GUIDE"]},{"id":"sbi","slug":"sbi","name":"State Bank of India","primaryCategory":"licensed-digital-bank","secondaryCategories":["multicurrency-account","banking-fintech"],"audiences":["personal","travel","returning-resident"],"website":"https://sbi.co.in/","summary":"An Indian scheduled commercial bank providing a conditional RFC(D) current account for eligible resident individuals with defined foreign-currency sources.","verificationStatus":"verified_india_rfcd_bank_conditional","observedAt":"2026-07-13","confidence":"medium","sourceIds":["SRC-RBI-BANK-LIST","SRC-RBI-IN-FOREIGN-CURRENCY-ACCOUNTS","SRC-SBI-IN-RFCD-ACCOUNT","SRC-DICGC-IN-DEPOSIT-GUIDE"]}],"generatedAt":"2026-07-13T11:19:10.837Z","dataVerifiedAt":"2026-07-13","verificationStatus":"verified_or_scoped"}