← State of Embedded Finance 2026

Jetty

Can one company become the embedded financial services OS for the entire residential rental lifecycle — covering deposits, insurance, rent financing, and credit building?

HQNew York, NY
IndustryVertical SaaS / Real Estate
The story

Jetty started as a financial services company focused on making renting more affordable and profitable, targeting both renters and property managers. Its core product, Jetty Deposit, replaces traditional cash security deposits with surety bonds. Over time it expanded into renters insurance, rent financing (via Cross River Bank), and credit building, creating a full-stack embedded finance suite for the residential rental market. The company ultimately merged with competitor Rhino, significantly expanding its addressable unit footprint.

Last 12 months
2024
Regulated entities
Insurance Agency License
US (all states)
Jetty Insurance Agency LLC
The stack
Lending
Jetty Deposit (surety bond / deposit replacement)Jetty Rent (rent financing loan)
KYC
Alloy
Sponsor bank
Cross River Bank, N.A.
Accounting gap: none