Arival Bank
“Can a Puerto Rico-licensed digital bank become the financial operating system for globally-distributed SMBs that lack access to traditional US banking infrastructure?”
HQPuerto Rico, US (licensed); Singapore (Arival Pte. Ltd., registered address: 2 Shenton Way, #15-04, SGX Centre I, Singapore 068804)
IndustryFintech / SMB banking
The story
Arival Bank launched as a licensed digital bank in Puerto Rico specifically targeting global businesses and startups that struggle to open US bank accounts without physical presence. Initially focused on USD and SEPA EUR accounts for cross-border teams, the bank expanded to 14 currencies and multi-entity management. The most recent strategic move is introducing stablecoin payment infrastructure, positioning Arival as a bridge between traditional banking rails (SWIFT, SEPA, Fedwire) and on-chain money movement for internationally-distributed businesses.
Last 12 months
Product timeline
2021
Privacy policy effective date suggests platform launched around September 2021; A.ID identity platform also introduced.· banking
2023
Appointed Nishi Gupta as Chief Compliance Officer and General Counsel, signaling regulatory maturation.· pivot
2024
Expanded to 14 currencies and introduced tiered pricing plans (Standard, Silver, Gold, Platinum) with FDIC insurance up to $2.5M.· banking
2025
Launched stablecoin payment rails for business and personal accounts, enabling USD-stablecoin conversions at 0.10%–0.13% rates.· banking
Regulated entities
1
regulatory licence held by Arival Bank
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
2 layers disclosed in Arival Bank’s embedded-finance stack
Banking / BaaS
in the full report
Accounting gap: significant
1 more provider across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.