Bnine
“Can a mobile-first earned wage access and neobanking app become the primary financial account for gig workers and underbanked consumers in the US?”
Founded2021
HQMiami, FL, USA (777 Brickell Avenue, Suite 500)
Latest roundSecondary - Private
IndustryFintech / Consumer banking
The story
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.
Last 12 months
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Product timeline
2021
B9 (Bnine) founded as a payroll disbursement / earned wage access platform targeting gig workers and underbanked consumers.· banking
2021
Privacy Policy effective May 14, 2021 — B9 app launched offering interest-free payroll advances, virtual/physical debit cards, bill payments, and checking accounts.· banking
The stack
3 layers disclosed in Bnine’s embedded-finance stack
Banking / BaaS
Lending
in the full report
Sponsor bank
in the full report
Accounting gap: minor
2 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.