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.
The stack
3 layers disclosed in Carry’s embedded-finance stack
Payments / PSP
Banking / BaaS
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.