Bump
“Can a creator-economy fintech use proprietary income discovery technology to become the primary financial platform for independent creators seeking credit, banking, and Web3 products?”
Founded2020
HQUnited States
FoundersJames Jones
Total raised$3M
Latest roundSeed, April 2024
IndustryFintech / Creator Economy Banking
The story
Bump was founded by entertainment lawyer James Jones, inspired by creators' struggles with financial access and managing irregular income streams. The platform is built around proprietary income discovery technology that aggregates creator payouts and uses them as the basis for financial products. The Creator Card launch with Highnote and Mastercard marks Bump's pivot from a financial management app into an embedded finance provider, offering card-based micro-advances against verified creator income.
Last 12 months
Product timeline
2020
Ownors Technologies, Inc. founded as Bump, targeting creators with financial management tools.· pivot
2024
Raised $3M seed round to build creator-focused financial platform with income discovery technology.· banking
2024
Launched Bump Creator Card in partnership with Mastercard and Highnote, offering cashless micro-advances to creators.· card
The stack
4 layers disclosed in Bump’s embedded-finance stack
Banking / BaaS
Community Federal Savings Bank
Card issuing
in the full report
Lending
in the full report
Sponsor bank
in the full report
Accounting gap: none
3 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.