Memo bank logo 2

Memo Bank was founded as a licensed French credit institution — notably the first new independent French bank in roughly 50 years — targeting transaction-intensive B2B customers rather than retail consumers. Unlike typical neobanks that rely on sponsor banks or BaaS layers, Memo Bank operates under its own ECB-issued banking license, giving it direct access to payment rails and the ability to self-operate lending, card issuing, and deposit-taking. Its strategy centers on an API-first, developer-friendly banking platform designed for high-volume payment operators (insurers, marketplaces, fintechs) who need to automate and reconcile large transaction flows. The embedded finance angle is Memo Bank positioning itself as a programmable bank-as-infrastructure rather than a retail bank.