“Can a subprime Visa credit card program — operated by a fintech servicer and issued by a community bank — build a scalable consumer credit product for underserved borrowers?”
Revvi is a subprime consumer credit card product operated by Vervent (doing business as Revvi), with the credit card issued by MRV Banks pursuant to a Visa license. The product targets consumers with limited or damaged credit, offering a rewards-bearing Visa credit card. The program is structured as a bank-program partnership where MRV Banks is the issuing bank and Vervent/Revvi handles servicing and digital operations.
Revvi discloses MRV Banks as its banking provider, according to the Embedded Finance Index 2026.
Revvi does not disclose a bank charter of its own; its banking services are provided through MRV Banks.
Revvi's cards are issued through MRV Banks.
The Embedded Finance Index 2026 maps 4 layers in Revvi's stack: Banking / BaaS (MRV Banks); Card issuing (MRV Banks); Lending (Revvi credit card (revolving credit)); Sponsor bank (MRV Banks).
Revvi is headquartered in United States.
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