Infrastructure bank tracked in the Embedded Finance Index. Named by 19 companies, most often as their sponsor bank. Sells embedded finance as Column.
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19 companies name Column in their stack. The most common role is sponsor bank (16). A company can use the same bank for more than one thing. Compare it with what Column says it sells, below.
Column presents itself as a nationally chartered bank built for developers to build and fund financial products. Its argument is vertical integration: it runs its own hardware with direct connections to the Fed, TCH and Swift, so builders don't depend on middleware.
“We run our own dedicated hardware that connects to the Federal Reserve, TCH, and Swift to give you granular control and freedom from vendors and middleware.”column.com ↗
Column publishes a developer portal, and 2 aggregators connect to it.
Column was founded in 2021 by ex-Plaid co-founder William Hockey and Annie Hockey after acquiring a small nationally chartered bank (Northern California National Bank). The thesis: eliminate the middleware layer between fintechs and banks by being both the bank AND the software company. Unlike Unit, Synctera, or Treasury Prime (which sit on top of partner banks), Column holds its own OCC national bank charter and connects directly to the Federal Reserve. In 2025 they expanded from pure banking/payments infrastructure into a full-stack credit platform — originating loans, providing capital, and integrating credit with payments/deposits/cards.
Other banks named for Sponsor Bank in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
An embeddable badge for Column’s own site — it always shows this page’s current rank, so it stays accurate as new disclosures land. States its own denominator; never claims a number this page doesn’t.
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<img src="https://www.embeddedfinanceindex.com/api/badge/column.svg"
alt="Ranked #14 of 199 in Sponsor Bank — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/column/install" width="1" height="1" alt="" style="display:none">19 companies are linked to Column in the Embedded Finance Index 2026, through their own public disclosures or Column's published customer list, including Bilt, Affiniti, Mercury, Rippling, Best Egg (marlette), Ramp, Parafin, Brex, 360 Payment Solutions, BILL and 2 others.
Column is a infrastructure bank. Companies in the Embedded Finance Index 2026 name it as their sponsor bank (16), banking-as-a-service (10) and crypto & stablecoins (2).
Yes, as Column. Column presents itself as a nationally chartered bank built for developers to build and fund financial products. Its argument is vertical integration: it runs its own hardware with direct connections to the Fed, TCH and Swift, so builders don't depend on middleware.
The most-named Sponsor Bank alternatives to Column are Evolve Bank & Trust (100 buyers), Sutton Bank (64 buyers), Cross River (63 buyers), Pathward (43 buyers), Celtic Bank (39 buyers) and Community Federal Savings Bank (37 buyers).
Column was founded by William Hockey and Annie Hockey and is founded in 2021, headquartered in San Francisco, CA, United States.
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