“Can a neobank purpose-built for the self-employed own the entire financial workflow — banking, bookkeeping, and taxes — in a single product?”
Founded as 'Indie' in 2019, the company rebranded to Found and pivoted to serve the self-employed and gig economy with an integrated banking + bookkeeping + tax platform. Rather than being a pure neobank, Found differentiated by embedding real-time expense tracking and tax savings features directly into its checking account. The company raised through Series C and partnered with Lead Bank for card issuance and Piermont Bank and LendingClub Bank for broader banking infrastructure, positioning itself as the financial OS for the self-employed.
Found discloses Lead Bank as its banking provider, according to the Embedded Finance Index 2026.
Found does not disclose a bank charter of its own; its banking services are provided through Lead Bank.
Found's cards are issued through Lead Bank.
The Embedded Finance Index 2026 maps 3 layers in Found's stack: Banking / BaaS (Lead Bank); Card issuing (Lead Bank); Sponsor bank (Lead Bank).
Found is founded in 2019 and headquartered in San Francisco, CA.
Get a read on where your own stack stands against Found 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.