“Can a white-label embedded fintech platform become the full-stack consumer financial wellness OS for banks, credit unions, and digital brands?”
Founded in 2020, Array started as a developer of white-label, API-driven credit health and identity monitoring tools for financial institutions and fintechs. The company built a platform enabling banks, credit unions, and digital brands to embed consumer-facing credit monitoring, identity protection, and financial wellness products under their own brand. In 2026, Array accelerated expansion into broader consumer financial wellness through acquisitions of Chimney (home value and financial calculators) and Penny Finance (financial planning and education), positioning itself as a comprehensive embedded fintech products platform rather than a single-feature credit API vendor.
Array discloses Cross River as its banking provider, with Cross River Bank, N.A. as its sponsor bank, according to the Embedded Finance Index 2026.
Array does not disclose a bank charter of its own; its banking services are provided through Cross River Bank, N.A..
The Embedded Finance Index 2026 maps 2 layers in Array's stack: Banking / BaaS (Cross River); Sponsor bank (Cross River Bank, N.A.).
Array is founded in 2020 and headquartered in Boca Raton, FL, USA.
Get a read on where your own stack stands against Array and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.