“Can a consumer finance super app assembled from best-in-class embedded fintech infrastructure deliver a meaningfully superior all-in-one financial experience?”
Fierce was founded in early 2023 by Robert Cornish, former CTO of Gemini, with the thesis that a consumer finance super app could be built by aggregating best-in-class fintech infrastructure rather than building from scratch. The product launched with a high-yield FDIC-insured checking account (Fierce Cash) as its anchor, combined with investing and other financial products, targeting consumers who want multiple financial services in one place.
Fierce discloses Cross River as its banking provider, with Cross River Bank, N.A. as its sponsor bank, according to the Embedded Finance Index 2026.
Fierce does not disclose a bank charter of its own; its banking services are provided through Cross River Bank, N.A..
The Embedded Finance Index 2026 maps 2 layers in Fierce's stack: Banking / BaaS (Cross River); Sponsor bank (Cross River Bank, N.A.).
Fierce was founded by Robert Cornish and is founded in 2023, headquartered in United States.
Get a read on where your own stack stands against Fierce and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.