Carry
“Can a tax-advantaged retirement and investment platform become the default financial OS for self-employed Americans?”
HQNew York, NY, USA
IndustryFintech / Investment
The story
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.
Product timeline
2026
Carry announced it is joining Lettuce Financial Labs, signaling a merger or acquisition.· acquisition
Regulated entities
2
regulatory licences held by Carry
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
Same company
Carry was analysed under more than one name on the same domain, so its stack is split across these dossiers. Each was analysed independently and may name providers the others do not.
The stack
4 layers disclosed in Carry’s embedded-finance stack
Payments / PSP
Banking / BaaS
in the full report
Ledger
in the full report
Sponsor bank
in the full report
Accounting gap: minor
3 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.