Fintechs and neobanks describe their AI work in IPO prospectuses, on earnings calls and in product launches, and some have reported its effect on headcount and customer service in detail — but rarely in one place. These pages assemble the public record for each company: the assistant or platform it runs, where AI is in production, the numbers it has disclosed, who leads the work, which licences and regulators it answers to, and what the record suggests. Every dated claim links to its source. The same format covers the 120 largest US banks on the bank pages. Ranked from these records: which fintech companies lead in AI?
NYSE: NU · Brazil
Nubank (Nu Holdings)
Build in-house: a proprietary transaction foundation model (nuFormer) at the centre of underwriting, support and growth decisions, stated as an 'AI-first' vision since Q3 2025, with the CEO now on OpenAI's boards.
Private · United Kingdom
Revolut
Build, don't bolt on: an in-house research division trains a transaction foundation model that is meant to feed the assistant, fraud and credit systems from one shared engine.
NASDAQ: CHYM · United States
Chime
AI on a proprietary core: Chime runs AI through ChimeCore, its own processor and ledger, first to automate support and engineering, then to turn Jade into a co-pilot that acts on members' money with permission.
Private · United Kingdom
Monzo
Build in-house, vendor-neutral: Monzo builds its own LLM agents for support, fraud and engineering on an internal AI gateway that connects to multiple model vendors, pairing LLMs with supervised ML models and human review.
Private · United Kingdom
Starling Bank
Gemini inside a proprietary stack: Starling builds customer-facing AI tools on its own banking platform using Google Gemini on Google Cloud, rolling them into one agentic assistant, while cutting roles to fund more AI.
NASDAQ: DAVE · United States
Dave
Underwriting is the product: a proprietary cash-flow model (CashAI) sets every ExtraCash limit without a credit score, a vendor-built chatbot (DaveGPT) absorbs support, and a federal lawsuit over fee disclosure runs alongside.
Private · United States
Varo Bank
A chartered neobank betting that machine-learning underwriting on its own deposit data, run under a national bank's governance, can turn a decade of losses into profit; a new CEO, CTO and first chief AI officer were installed in 2025.
Private, Gen Digital subsidiary (parent NASDAQ: GEN) · United States
MoneyLion
A data-and-matching business more than a bank: 26 machine-learning models turn linked bank accounts into personalised offers through the Engine marketplace, now the 'AI matching layer' of its parent Gen Digital.
Private · Germany
N26
Back-office first: Anthropic's Claude on AWS Bedrock automates document-heavy service and financial-crime work, while a second BaFin special monitor and a new UBS-trained CEO keep the public emphasis on governance rather than AI claims.
Private · Netherlands
bunq
Customer-facing first: an in-house GenAI assistant, Finn, built on Claude via Amazon Bedrock, carries 97% of support and is the company's main brand claim, while AML supervision and a failed US charter bid frame the risk side.
Private · United Kingdom
OakNorth
Credit-model first: a decade of in-house machine-learning underwriting through sister company ONCI, a 2025 OpenAI collaboration for GPT tools across lending and operations, and AI disruption now scored inside credit decisions.
Private, Standard Chartered (60%) and NTUC Enterprise/FairPrice Group joint venture (parent LSE: STAN) · Singapore
Trust Bank
Generative AI at the front, agents in the back office: Trust runs a GenAI chatbot and conversational card-spend search for customers, and Claude-based agents on Amazon Bedrock for incident triage, on a cloud stack built entirely on AWS.
Private, Grab (60%) and Singtel joint venture (parent NASDAQ: GRAB) · Singapore
GXS Bank
Ecosystem credit, not chatbots: GXS's disclosed AI is proprietary credit models that layer Grab and Singtel data over bureau checks to lend to thin-file borrowers, run on FICO Platform decisioning and a Snowflake data stack.
Private, Sea Limited subsidiary within Monee (parent NYSE: SE) · Singapore
MariBank
Ecosystem bank, group-built AI: MariBank leans on Shopee data and on the credit-risk and fraud models of parent Monee rather than publishing bank-level AI systems of its own.
Private, wholly owned by Ant International (Ant Group affiliate) · Singapore
ANEXT Bank
Borrowed brain: an SME-only digital bank that plugs into Ant International's AI credit, risk and eKYC stack and distributes loans through partner platforms rather than building visible AI products of its own.
Private · United States
Current (Finco Services, Inc.)
A self-built banking core plus direct Visa processing, used to bundle liquidity products (Paycheck Advance, fee-free overdraft, the Build card) for paycheck-to-paycheck Americans; AI is described as infrastructure for personalisation and risk, not as a named assistant.
Private, majority-owned by Walmart, also backed by Ribbit Capital · United States
OnePay (One Finance, Inc.)
A Walmart-distributed 'everything app' that partners for balance-sheet products (Synchrony cards, Klarna and Upgrade loans) and builds AI itself as a shared platform layer: five support agents, internal agents for every employee, and an MCP server that lets customers bring their OnePay data into ChatGPT and Claude.
Private · United States
Albert (Albert Corporation)
From human 'Geniuses' to generative AI: Albert rebuilt its paid Genius tier around a large-language-model assistant that plans and, once the user approves, executes everyday money moves, inside subscription plans priced at $19.99–$39.99 a month, on partner-bank rails.
Private · United States
Step (Step Mobile, Inc.)
A credit-building money app for teens and young adults whose AI work is back-office — machine-learning risk and fraud models, AI-assisted support automation — now owned by MrBeast's Beast Industries and still running on Evolve Bank & Trust.
Private · United States
Greenlight Financial Technology, Inc.
A family-finance subscription that is turning into a household-technology company: AI arrives as an in-app assistant for kids' investing and a voice assistant on a kitchen display, while growth comes through banks and credit unions that embed Greenlight in their own apps.
Private · United States
Acorns Grow Incorporated
A subscription robo-adviser for everyday Americans that buys rather than builds its adjacencies: AI shows up as a financial-literacy chatbot and content routing under a privacy policy that rules out automated decisions and model training on customer data.
Private · United States
Upgrade, Inc.
A credit-led neobank that underwrites loans with machine-learning models, sells most of them to banks, credit unions and investors, adds third-party AI (Pagaya decisioning, FairPlay fairness monitoring) through partners, and is now seeking its own industrial bank charter.
Private, Agreed to be acquired by Valley National Bancorp (NASDAQ: VLY); closing expected early 2027 · United States
Bluevine Inc.
AI behind the counter of a small-business bank account: an AI chatbot that contains most support inquiries, machine learning in underwriting, check processing and fraud controls, and mostly AI-written code, now being sold to a regional bank that wants the engineering team as much as the deposits.
Private · United States
Novo Platform Inc.
A free checking account for solopreneurs used as the entry point for credit and bookkeeping, with AI applied quietly to back-office chores (expense categorisation, per Forbes on models from Anthropic, OpenAI and Google) rather than marketed as a standalone assistant.
Private · Canada
Relay Financial Technologies Inc.
A cash-flow banking platform for owner-run US small businesses that applies AI to back-office plumbing (receipt matching, GL coding, a support bot) while putting new capital into customer acquisition and lending rather than an AI product.
Private · United States
Found (Found Financial)
Bookkeeping and tax automation built into a free business bank account for the self-employed, with a beta AI assistant that answers questions and stages actions for approval, and a read-only MCP connector that lets ChatGPT and Claude query the account.
Private · United States
Lili (Lili App Inc.)
Bookkeeping, tax and accounting automation inside a small-business bank account, built on named third-party models (ChatGPT for transaction categorisation, Anthropic's Claude on Amazon Bedrock for the Accountant AI chatbot), now extended to accountants through an MCP server.
NASDAQ: AFRM · United States
Affirm
In-house machine learning that underwrites every purchase in real time, now on a transformer model, plus an engineering organisation retooled around coding agents and a push to put pay-over-time inside AI shopping agents.
NYSE: KLAR · Sweden
Klarna
AI first, then a correction: an OpenAI-built assistant and a hiring freeze shrank headcount by about 40%, human agents came back, and AI now faces outward into agentic shopping.
NASDAQ: HAPN · United States
Happen Bank (formerly LendingClub)
A marketplace lender turned bank that treats AI as an operating-efficiency lever: machine-learning underwriting at the core, then AI automation of loan operations and servicing, including an AI member-service agent called Penny.
NASDAQ: UPST · United States
Upstart
An AI underwriting company from the start: in-house credit models sold to banks and credit unions as a marketplace, now seeking its own national bank charter built around those models.
NASDAQ: OPRT · United States
Oportun
A lender built on automated underwriting of thin-file borrowers: no human underwriters, alternative data and a numbered model series (V12, V13), now being refocused on core lending and savings after an activist-driven CEO change.
NASDAQ: PYPL · United States
PayPal
A payments incumbent in turnaround that uses long-standing AI for fraud and risk, is betting on agentic commerce across ChatGPT, Copilot, Perplexity and Gemini, and under a new CEO is using AI inside the company to cut costs.
NYSE: XYZ · United States
Block (Square, Cash App)
AI as the operating model: Block cut its workforce by more than 40% on 26 February 2026, from over 10,000 people to just under 6,000, to run with smaller AI-using teams, builds its own model-agnostic agent stack (goose, Builderbot), and ships proactive agents to consumers (Moneybot) and sellers (Managerbot).
Private · United States
Stripe
AI as both engine and market: machine-learning models (now a payments foundation model) run fraud and authorization inside the network, while Stripe sells 'economic infrastructure for AI' to AI companies and to the agents that buy on consumers' behalf.
Euronext Amsterdam: ADYEN · Netherlands
Adyen
AI built into the payment rails: a single platform and in-house data feed Uplift's optimisation models and the Dynamic Identification trust layer, which Adyen now extends outward to AI shopping agents through Adyen Agentic.
NYSE: CRCL · United States
Circle Internet Group
Agents as customers: Circle is positioning USDC, its Gateway nanopayments rail and the Arc blockchain as the money layer for AI agents, while its own use of AI is confined to support, AML review, coding and marketing.
NASDAQ: WSE · United Kingdom
Wise
AI behind the counter, under compliance pressure: machine learning runs compliance checks and fraud alerts and LLM copilots support financial-crime and support staff, while regulators in Belgium and the US question its AML controls.
NASDAQ: RELY · United States
Remitly
AI as the cost lever of a remittance network: ML fraud scoring since 2017, an AI support assistant that most customers never escalate, and under a new CEO in 2026 an explicit plan to hold headcount flat while revenue grows 20%.
NYSE: TOST · United States
Toast
From restaurant software to an 'agent platform': Toast IQ, a conversational assistant built on POS and payments data from 180,000 locations, now ships agents (Toast IQ Grow) that do marketing work, while AI handles most support contacts.
Private · United Kingdom
Checkout.com
Network-data first: an AI optimisation engine sold to merchants as a revenue line, then a multi-protocol bet on agentic commerce (OpenAI's ACP, Google's AP2 and UCP, Visa and Mastercard agent frameworks) and an MCP server for AI coding agents.
NASDAQ: MQ · United States
Marqeta
AI at the authorisation decision and in the agent's hands: a machine-learning risk score inside Real-Time Decisioning, an MCP server so customers' AI agents can issue cards, set controls and file disputes, and single-use virtual cards as the agentic-commerce credential.
NYSE: V · United States
Visa
Network-as-infrastructure for AI agents: Visa uses AI to defend the network and sells AI fraud tools to banks, while opening its credentials, tokens and rails to agent builders through Visa Intelligent Commerce.
NYSE: MA · United States
Mastercard
Trust layer for agent payments plus AI-powered services: Mastercard registers and tokenizes AI agents (Agent Pay), proves what a user authorized (Verifiable Intent), and sells AI fraud, cyber and advisory services built on its network data.
NASDAQ: HOOD · United States
Robinhood
AI as the interface to the brokerage: Robinhood Cortex answers and acts inside the app for Gold subscribers, while Agentic Trading opens ring-fenced accounts to customers' own third-party AI agents through Robinhood's MCP servers.
NASDAQ: COIN · United States
Coinbase
AI-native by decree: a CEO who fired engineers for not onboarding AI tools, a 14% cut to 'rebuild Coinbase to be lean, fast, and AI-native', and a product bet that AI agents become customers through x402 payments and Coinbase for Agents.
Private, Grab Holdings subsidiary (parent NASDAQ: GRAB) · United States
Stash
A subscription investing app that rebuilt itself around a generative-AI adviser: Money Coach AI replaced human-scale advice for beginner investors, carried a $146 million raise in 2025, and became the asset Grab bought in 2026.
Private · United States
Public
The self-described 'agentic brokerage': GPT-4-based research (Alpha, 2023), AI-built indexes (Generated Assets, 2025) and user-defined trading agents (2026), all framed as self-directed so the broker never gives advice.
NASDAQ: ETOR · Israel
eToro
Agent-first retail brokerage: an AI companion (Tori) built on the trading data of 40 million registered users, user-connected AI agents trading inside ring-fenced sub-portfolios, and MCP connectors that put a live portfolio inside Claude, ChatGPT and Grok.
Private · United States
Ramp
Agents across the finance back office, plus a new line in managing AI spending itself: Ramp sells agents for expense review, bills, procurement and accounting, and since April 2026 tools to track and route companies' AI token spend.
Private, Capital One subsidiary (parent NYSE: COF) · United States
Brex
Agentic spend management inside a bank: Brex sells AI agents that collect receipts, review, audit and book corporate expenses, and since April 2026 it does so as a Capital One subsidiary that its founder still runs.
Private · United States
Plaid
Data network turned AI layer: Plaid trains its own foundation models on transaction data from its account-connection network and sells the connections that let AI assistants (ChatGPT, Meta's Muse, Sierra agents) read users' bank accounts.
NASDAQ: NAVN · United States
Navan
A travel-and-expense platform that treats AI as its operating model: Ava, an agent that handles about 60% of customer interactions on a proprietary 'zero critical hallucination' framework, Navan-owned models replacing third-party LLM calls, and AI assistants sold outward as Navan Edge and Navan Anywhere.
Private · United States
Mercury
Governed agents inside the bank account: a natural-language assistant (Command) that proposes while the product enforces and the user authorises, virtual cards and an MCP server built for customers' own AI agents, and AI-driven accounting, all ahead of a pending national bank charter.
NASDAQ: PAYO · United States
Payoneer
Operations first: AI goes into fraud decisioning, compliance matching and internal workflows under an 'AI-native company' ambition, with agentic AI pilots in customer service, while the company itself is being sold to Nuvei.
Private · United States
Apex Fintech Solutions
AI for the people who integrate with it: a Vertex AI assistant and an Agentic Development Kit that let clients' engineers and non-engineers build on the AscendOS clearing and custody platform, plus partner AI for advisers, rather than AI in the clearing engine itself.
Which fintechs and neobanks are covered?
56 so far: neobank — Nubank, Revolut, Chime, Monzo, Starling, Dave, Varo, MoneyLion, N26, bunq, OakNorth, Trust Bank, GXS, MariBank, ANEXT Bank, Current, OnePay, Albert, Step, Greenlight, Acorns, Upgrade, Bluevine, Novo, Relay, Found and Lili; bnpl & lending — Affirm, Klarna, Happen Bank, Upstart and Oportun; payments — PayPal, Block, Stripe, Adyen, Circle, Wise, Remitly, Toast, Checkout.com and Marqeta; card network — Visa and Mastercard; brokerage — Robinhood, Coinbase, Stash, Public and eToro; business finance & infrastructure — Ramp, Brex, Plaid, Navan, Mercury, Payoneer and Apex Fintech Solutions. More companies are being added; a page is published only once every dated claim on it is sourced.
How is this section sourced?
Every dated statement on a company page cites a numbered source: the company's own newsroom, investor-relations filings and annual reports, regulator registers and statements, or reporting by Reuters, the Financial Times, CNBC, Bloomberg, the Wall Street Journal and the specialist fintech press. 1020 sources across the 56 pages; blogs and aggregators are excluded, and numbers are quoted as reported with their date.
How do the fintech pages differ from the bank pages?
They use the same structure — answer first, a dated timeline, a use-case table with status, disclosed numbers, quotes, named leaders, regulators, analysis and numbered sources — so a fintech and a bank can be compared line by line. The facts at the top differ: instead of Federal Reserve rank and lead-bank assets, a fintech page gives its category, founding year, licences and supervisors, and one sourced scale figure. The 120 bank pages are at /banks.
Every fintech's next AI move, the morning after.
when a bank, fintech or regulator moves on AI, it is in the next morning's brief · six sourced stories · 7 am PT · free
plus every regulation, bank and agent page update, the morning after · leave any morning