← Embedded Finance Index 2026

OurBanc

“Can a community-first fintech dismantle systemic banking barriers for African American, Hispanic, and Indigenous communities through transparent mobile banking and embedded financial literacy?”

Founded2020
HQRehoboth, MA (remote-first)
IndustryFintech / Neobank

The story

Founded in 2020, OurBanc set out to build a community-first mobile banking app targeting financially underserved communities in the US. The company operates as a fintech (not a licensed bank), relying on banking-as-a-service partner(s) for the regulated layer. As of the most recent SEC filing (2024), the company remains very early-stage with one employee and minimal assets, suggesting it is still in pre-launch or soft-launch phase.

Last 12 months

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Product timeline

2020

OurBanc Corporation incorporated in Delaware on November 2, 2020.· banking

2021

Launched a Wefunder crowdfunding campaign (OurBanc Corporation I, a series of Wefunder SPV, LLC) to raise community capital.· banking

2024

Filed SEC Form C-AR annual report disclosing total assets of approximately $156,255 and one employee.· banking

The stack

1 layer disclosed in OurBanc’s embedded-finance stack

Open banking

Accounting gap: none

OurBanc — frequently asked

Which open banking provider does OurBanc use?

OurBanc connects to bank accounts through MX.

Where is OurBanc headquartered?

OurBanc is founded in 2020 and headquartered in Rehoboth, MA (remote-first).

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