“Can a pre-seed fintech platform become the financial OS for SMBs by bundling corporate cards, multi-currency accounts, and global payouts in one place?”
Graph is a fintech platform targeting businesses with a suite of embedded financial products including corporate cards, multi-currency accounts, and global payouts. It is at an early stage (pre-seed per Crunchbase) and is built on Evolve Bank & Trust as its banking infrastructure partner. The company is positioned in the SMB/startup banking space, competing with neobank-style offerings.
Graph discloses Evolve Bank & Trust as its banking provider, according to the Embedded Finance Index 2026.
Graph does not disclose a bank charter of its own; its banking services are provided through Evolve Bank & Trust.
The Embedded Finance Index 2026 maps 2 layers in Graph's stack: Banking / BaaS (Evolve Bank & Trust); Sponsor bank (Evolve Bank & Trust).
Graph is headquartered in New Castle, Delaware, United States.
Get a read on where your own stack stands against Graph 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.