Face Card
“Can a creator-native neobank turn invoice-financing-plus-a-debit-card into the primary financial account for the creative workforce?”
Founded2024
HQSan Francisco, California, United States
FoundersDavid Akinyemi (CEO), George Odoom (CTO)
IndustryFintech / Consumer banking
The story
Founded 2024 by a model and an engineer as a neobank for creative freelancers — models, stylists, content creators — whose primary pain point is Net 30/45 client payment terms. Product wedge is invoicing plus Instant Pay (advance against unpaid invoices at 8% flat fee), with a Visa debit card on Stealth Bank rails as the deposit anchor. Positioning has shifted from pure freelancer tool toward a two-sided agencies + talent play, with AI ('Your AI money-making assistant') as the latest positioning layer.
Last 12 months
Product timeline
2024
Face Card founded in San Francisco to help creative freelancers get paid faster· pivot
2024
Launched Face Card debit card issued by Stealth Bank, N.A. on Visa network with 6% cash back at lifestyle merchants· card
2024
Launched Instant Pay — invoice advance product offering up to 90% of invoice value in 1-2 days for an 8% flat fee· lending
2025
Expanded to serve creative agencies with AI-powered invoicing and talent payment platform· pivot
The stack
5 layers disclosed in Face Card’s embedded-finance stack
Lending
in the full report
Open banking
in the full report
Sponsor bank
in the full report
Telecom
in the full report
Accounting gap: significant
5 more providers across 4 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.