Highnote
Card issuing infrastructure enabling banks and fintechs to launch and scale modern card programs — debit, credit, and prepaid — with developer-native APIs and real-time controls.
Eight companies building the infrastructure that financial services runs on.
Current Portfolio
Card issuing infrastructure enabling banks and fintechs to launch and scale modern card programs — debit, credit, and prepaid — with developer-native APIs and real-time controls.
API infrastructure for liability data — enabling read/write access to consumer debt accounts for payoff, refinancing, and embedded debt management at the point of financial decision.
ACH, digital wallet, and Know-Your-Customer API stack for fintech builders — the compliance-aware banking infrastructure for companies that want to embed financial services without building from scratch.
Payroll and income data connectivity API enabling lenders, insurers, and HR platforms to access verified real-time employment and earnings data direct from the source.
Payroll account connectivity enabling banks and financial platforms to access payroll data for direct deposit switching, income verification, and earned wage access integrations.
BaaS platform connecting fintech companies with partner banks — compliance infrastructure, ledgering, and sponsor bank relationships packaged for rapid fintech program launch.
Point-of-sale financing infrastructure embedded into service business platforms — enabling HVAC, dental, home improvement, and other service providers to offer consumer lending without the compliance overhead.
Accounts payable and payments automation for small and medium businesses — replacing manual bank transfers, check payments, and disconnected approval flows with structured B2B payment workflows.
Thesis Distribution
4
Highnote, Sila Money, Synctera, Apron
3
Argyle, Pinwheel, Method Financial
1
Wisetack