“Can a Latino-focused mobile banking app built on sponsor-bank BaaS infrastructure become the primary financial account for underbanked Latino households in the US?”
Viva First is a mobile banking app and Visa debit card product aimed at the Latino community in the United States, offering free mobile banking with a focus on financial inclusion. The product is built on BaaS infrastructure (Spur Security Bank) and positions itself as an alternative to traditional banking for underserved demographics. Public evidence about the company's history, funding, and broader product roadmap is very limited.
Viva First discloses Spur Security Bank as its banking provider, according to the Embedded Finance Index 2026.
Viva First does not disclose a bank charter of its own; its banking services are provided through Spur Security Bank.
Viva First connects to bank accounts through MX.
The Embedded Finance Index 2026 maps 3 layers in Viva First's stack: Banking / BaaS (Spur Security Bank); Open banking (MX); Sponsor bank (Spur Security Bank).
Viva First is headquartered in United States.
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