OpenReserve
“Can a de novo US national bank charter be the foundation for a next-generation embedded finance / reserve-banking platform?”
IndustryFintech / Neobank
The story
OpenReserve appears in H1 2026 OCC tracking as one of nine fintechs pursuing a de novo national bank charter (OpenReserve Bank), alongside Upstart, Augustus, Mercury and VALT Bank. Public evidence about the company's product, funding, and team is not present in the supplied evidence.
Product timeline
2026
OpenReserve Bank listed among 9 de novo bank charter applicants to the OCC in H1 2026.· banking
Regulated entities
1
regulatory licence held by OpenReserve
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
0 layers disclosed in OpenReserve’s embedded-finance stack
Accounting gap: none