“Can Relay become the financial OS for small businesses by layering lending, payments, and banking on top of a trusted SMB account platform?”
Relay started as an online banking platform designed to put small business owners in control of their cash flow, serving as a neobank alternative for SMBs. Over time, the platform expanded beyond accounts into payments infrastructure via Adyen for Platforms, and most recently into embedded lending via Fundbox, positioning itself as a financial OS for small businesses rather than just a bank account.