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← Embedded Finance Index 2026

Changed

IndustryFintech / Consumer banking
The stack
2 layers disclosed in Changed’s embedded-finance stack
Banking / BaaS
Evolve Bank & Trust
Sponsor bank
in the full report
Accounting gap: none
1 more provider across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.

Changed — frequently asked

What bank does Changed use?

Changed discloses Evolve Bank & Trust as its banking provider, according to the Embedded Finance Index 2026.

Is Changed a bank?

Changed does not disclose a bank charter of its own; its banking services are provided through Evolve Bank & Trust.

What is Changed's embedded finance stack?

The Embedded Finance Index 2026 maps 2 layers in Changed's stack: Banking / BaaS (Evolve Bank & Trust); Sponsor bank (Evolve Bank & Trust).

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