Accrue Savings

Founded in mid-2021 as a 'save now, pay later' antidote to BNPL, Accrue Savings embedded FDIC-insured savings accounts directly into merchant checkout flows, rewarding consumers for saving toward purchases. After a $25M Series A in early 2022, the company evolved toward a broader digital stored-value wallet infrastructure for retailer loyalty programs, emphasizing low-cost payment rails, refund reconversion, and LTV metrics. A separate entity, Accrue 401k, was spun out to manage Guideline retirement plans excluded from the Gusto acquisition and was acquired by Vestwell in January 2026 — distinct from the core Accrue Savings consumer wallet business.