“Can a purpose-built banking app help couples manage shared and split finances without the friction of traditional joint accounts or peer-to-peer payment apps?”
Founded in 2021 as a couples-focused neobank offering a novel 'Split Account' to help partners share expenses without a traditional joint account. Raised $3.5M from Anthemis and YC-affiliated investors in 2022 but struggled to achieve scale in a competitive consumer banking market. Products were ultimately sunset and the Ivella team was absorbed by EarnIn, marking the end of Ivella as an independent company.
Ivella discloses Blue Ridge Bank as its banking provider, according to the Embedded Finance Index 2026.
Ivella does not disclose a bank charter of its own; its banking services are provided through Blue Ridge Bank.
The Embedded Finance Index 2026 maps 2 layers in Ivella's stack: Banking / BaaS (Blue Ridge Bank); Sponsor bank (Blue Ridge Bank).
Ivella was founded by Kahlil Lalji and is founded in 2021, headquartered in Santa Monica, California, USA.
Ivella has raised $3.63M in total (latest round: Seed VC-II).
Get a read on where your own stack stands against Ivella 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.