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Stash

“Can a micro-investing app become the primary financial OS for everyday Americans by bundling banking, investing, insurance, and workplace benefits into a single subscription?”

Founded2015
HQNew York, New York, United States
FoundersBrandon Krieg, Ed Robinson
Latest roundConvertible Note
IndustryFintech / Consumer banking
The story

Founded in 2015 as a micro-investing app for everyday Americans, Stash gradually expanded from pure investing into a full consumer financial platform combining banking, investing, and advice. The 2022 launch of Stash Core — built on Mambu's core banking system with Stride Bank as sponsor, Marqeta for card issuing, and Alloy for KYC — marked a pivot from third-party infrastructure dependence to a proprietary, more controllable stack. The 2024 StashWorks launch signals a further pivot toward B2B2C distribution via employer benefit channels, leveraging the consumer investing and banking platform as a workplace financial wellness product.

Last 12 months
2024-05
2025-05
Product timeline
2015
Stash founded by Brandon Krieg and Ed Robinson as a micro-investing app allowing Americans to invest starting with $5.· pivot
2018
Stash Capital LLC introduced as the introducing broker-dealer, with Apex Clearing continuing as the clearing firm and custodian.· banking
2021
Stash launched the Stock-Back® Debit Mastercard, the first debit card that rewards users with fractional stock ownership on purchases.· card
2022
Stash unveiled Stash Core, a proprietary banking infrastructure platform built with Stride Bank N.A., Mastercard, Marqeta, Mambu, and Alloy.· banking
2024
Stash launched StashWorks, an employer benefit platform enabling salaried and hourly workers to improve financial wellbeing, backed by SHRM.· banking
Regulated entities
2
regulatory licences held by Stash
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
6 layers disclosed in Stash’s embedded-finance stack
Money movement
ACH
Banking / BaaS
in the full report
Card issuing
in the full report
Open banking
in the full report
KYC
in the full report
Sponsor bank
in the full report
Accounting gap: none
5 more providers across 5 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.