Qapital
“Can behavioral-finance automation convert passive savers into fully engaged, subscription-paying personal finance app users?”
HQNew York, NY (US)
IndustryFintech / Consumer banking
The story
Qapital launched as a behavioral-finance savings app, using rule-based automation (round-ups, spend triggers) to help consumers save passively. It expanded into investing, budgeting, and joint finances, evolving from a single-feature savings tool into a subscription-based personal financial management platform. The addition of a bank account (via Lincoln Savings Bank) and Visa debit card deepened its embedded banking layer. Growth is driven by subscription tiers ($3–$12/month) rather than interchange or lending revenue.
Last 12 months
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Regulated entities
1
regulatory licence held by Qapital
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
4 layers disclosed in Qapital’s embedded-finance stack
Banking / BaaS
Lincoln Savings Bank
Card issuing
in the full report
Open banking
in the full report
Sponsor bank
in the full report
Accounting gap: none
3 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.