“Can a community-focused neobank built on BaaS infrastructure meaningfully serve the underbanked Pacific Islander diaspora in the US while bridging remittances back to Pacific island nations?”
Mana Pacific is a neobank purpose-built for the Pacific Islander community living in the United States, offering FDIC-insured USD bank accounts and debit cards. The platform was built on top of Mbanq's BaaS infrastructure with Evolve Bank & Trust as the sponsor bank, allowing rapid deployment without a banking charter. The team brings 50+ years of combined Pacific Islands financial services experience, having previously built the Tongan National Payment System, Digicel Mobile Money, and other Pacific-region fintech products. The company is targeting both daily banking for US-based Pacific Islanders and cross-border remittance flows to nine Pacific nations.
Mana Pacific discloses Mbanq as its banking provider, with Evolve Bank & Trust as its sponsor bank, according to the Embedded Finance Index 2026.
Mana Pacific 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 Mana Pacific's stack: Banking / BaaS (Mbanq); Sponsor bank (Evolve Bank & Trust).
Mana Pacific was founded by Lena MoiMoi (CEO) and is headquartered in United States.
Get a read on where your own stack stands against Mana Pacific 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.