“Can a tax-advantaged retirement and investment platform become the default financial OS for self-employed Americans?”
Carry started as a fintech platform targeting self-employed professionals and high-income earners with Solo 401k and IRA administration — a traditionally underserved segment. The platform layered on investment tooling (roboadvisor, Smart Yield, crypto and alternative asset access) to become a holistic tax-optimization and wealth-building product. In early 2026, Carry announced it is joining Lettuce Financial Labs, suggesting a consolidation move in the tax and financial planning space for independent workers.
Carry discloses Grasshopper Bank, N.A. (custodian partner) as its banking provider, with Grasshopper Bank, N.A. as its sponsor bank, according to the Embedded Finance Index 2026.
Carry does not disclose a bank charter of its own; its banking services are provided through Grasshopper Bank, N.A..
Carry processes payments through Stripe.
Carry runs its ledger on Layerfi.
The Embedded Finance Index 2026 maps 4 layers in Carry's stack: Payments / PSP (Stripe); Banking / BaaS (Grasshopper Bank, N.A. (custodian partner)); Ledger (Layerfi); Sponsor bank (Grasshopper Bank, N.A.).
Carry is headquartered in New York, NY, USA.
Get a read on where your own stack stands against Carry 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.