“Can a financial wellness app help consumers manage medical debt more affordably by personalizing payment guidance through open banking data?”
BuoyFi is a consumer-facing fintech app owned by PC Funding, LLC that focuses on helping users navigate medical debt by connecting their financial accounts via Plaid to generate affordable payment options based on income and debt. The platform integrates Kard for loyalty rewards and Synapse Brokerage for investment/brokerage infrastructure. The product positions itself as a financial wellness tool for individuals burdened by medical debt.
Buoyfi discloses Synapse Brokerage as its banking provider, according to the Embedded Finance Index 2026.
Buoyfi does not disclose a bank charter of its own; its banking services are provided through Synapse Brokerage.
Buoyfi connects to bank accounts through Plaid.
The Embedded Finance Index 2026 maps 2 layers in Buoyfi's stack: Banking / BaaS (Synapse Brokerage); Open banking (Plaid).
Buoyfi is headquartered in United States.
Get a read on where your own stack stands against Buoyfi 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.