Albert
“Can a savings-automation app become the full-stack financial OS for everyday Americans by layering banking, investing, credit, and insurance into a single subscription-driven super-app?”
Founded2016
HQLos Angeles, CA, USA
FoundersYinon Ravid, Andre Sugai
Latest roundunknown
IndustryFintech / Consumer banking
The story
Founded in 2016 as a savings automation and financial recommendations app, Albert progressively layered in core banking (Albert Cash via Sutton Bank/Stride Bank), brokerage (Albert Securities via Apex Clearing), and credit (Albert Instant line of credit, Albert Loans via FinWise Bank) to evolve into a full-stack consumer neobank. The company operates a subscription model under 'Genius' and targets mass-market Americans seeking a unified financial super-app covering banking, saving, investing, budgeting, insurance, and lending.
Product timeline
2016
Albert launched as a personal finance app focused on automated savings and financial recommendations, raising a $2.5M seed round.· banking
2019
Albert introduced Genius, an AI-driven subscription feature providing personalized financial guidance and automated saving.· banking
2021
Albert launched Albert Cash, a checking account product backed by Sutton Bank and Stride Bank, N.A., with a debit card.· banking
2021
Albert launched Albert Securities (brokerage) via Apex Clearing Corporation, enabling commission-free stock investing.· banking
2022
Albert introduced Albert Instant, an unsecured line of credit providing advances up to $1,000 to users.· lending
2026
Albert partnered with FinWise Bank to offer personal loans from $1,000–$5,000 to millions of Americans.· lending
Regulated entities
3
regulatory licences held by Albert
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
5 layers disclosed in Albert’s embedded-finance stack
Banking / BaaS
Card issuing
in the full report
Lending
in the full report
Sponsor bank
in the full report
Investing
in the full report
Accounting gap: none
6 more providers across 4 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.