“Can a mobile-first earned wage access and neobanking app become the primary financial account for gig workers and underbanked consumers in the US?”
Founded in 2021, B9 (Bnine) launched as a payroll disbursement platform targeting gig workers and underbanked consumers, offering early access to accrued wages, free debit cards, and day-to-day banking through a mobile app. The platform is built on BaaS infrastructure provided by Mbanq and sponsor banking from Evolve Bank & Trust, giving B9 a licensed banking layer without holding its own charter. The company's embedded finance stack is designed to serve consumers who need flexible access to earned wages alongside basic banking and cross-border transfer capabilities.
Bnine discloses MBanq as its banking provider, with Evolve Bank & Trust as its sponsor bank, according to the Embedded Finance Index 2026.
Bnine does not disclose a bank charter of its own; its banking services are provided through Evolve Bank & Trust.
The Embedded Finance Index 2026 maps 3 layers in Bnine's stack: Banking / BaaS (MBanq); Lending (Earned wage access / payroll advance (interest-free)); Sponsor bank (Evolve Bank & Trust).
Bnine is founded in 2021 and headquartered in Miami, FL, USA (777 Brickell Avenue, Suite 500).
Get a read on where your own stack stands against Bnine 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.