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← Embedded Finance Index 2026

Extra

HQUnited States
IndustryFintech / Consumer banking
The stack
4 layers disclosed in Extra’s embedded-finance stack
Banking / BaaS
Lead BankEvolve Bank & TrustPatriot Bank
Card issuing
in the full report
Lending
in the full report
Sponsor bank
in the full report
Accounting gap: none
3 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.

Extra — frequently asked

What bank does Extra use?

Extra discloses Lead Bank, Evolve Bank & Trust and Patriot Bank as its banking providers, with Lead Bank / Evolve Bank & Trust / Patriot Bank as its sponsor bank, according to the Embedded Finance Index 2026.

Is Extra a bank?

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

Who issues Extra's cards?

Extra's cards are issued through Evolve Bank & Trust.

Who provides Extra's lending?

Extra's lending and capital products are provided by Lead Bank.

What is Extra's embedded finance stack?

The Embedded Finance Index 2026 maps 4 layers in Extra's stack: Banking / BaaS (Lead Bank, Evolve Bank & Trust and Patriot Bank); Card issuing (Evolve Bank & Trust); Lending (Lead Bank); Sponsor bank (Lead Bank / Evolve Bank & Trust / Patriot Bank).

Where is Extra headquartered?

Extra is headquartered in United States.

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