Common Bonds Atlas

Affirm is a publicly-traded fintech company established in 2012 (founded by Max Levchin and others) that provides point-of-sale (POS) financing solutions and buy-now-pay-later (BNPL) products for consumers and merchants. Its mission is to “deliver honest financial products that improve lives” by offering transparent loan terms, no late-fees, and helping shoppers make smart payment choices. On the consumer side, Affirm enables shoppers to split their purchases into installments (e.g., “Pay in 4” or monthly plans) either interest-free or with upfront disclosed interest and no hidden fees. For merchants, Affirm offers a payment-option platform that integrates into checkout processes, aiming to increase conversion rates, average order values and reach new customers by offering flexible financing. With its technology stack combining machine-learning-driven underwriting, real-time decisioning and consumer-friendly disclosures, Affirm positions itself as both a consumer alternative to traditional credit cards and a growth engine for merchants. It is headquartered at 650 California Street, San Francisco, CA 94108, U.S.

Spend-management platform combining corporate cards, bill payment, and expense management.

Fuel and fleet payments platform providing cards and expense tools for trucking and logistics.

Digital consumer-lending platform offering personal loans and credit cards to middle-income borrowers.

Cloud-based platform automating accounts payable, receivable, and spend management for SMBs.

Rewards program and card letting renters earn points on rent payments and everyday spending.

Financial services and payments company behind Square, Cash App, and Afterpay for merchants and consumers.

Corporate cards, expense management, and banking services built for startups and enterprises.

Platform enabling consumer brands to launch co-branded credit cards and loyalty programs.

A neobank offering fee-free banking services through a mobile app.

Fleet and fuel card platform with expense management for field-service and trucking businesses.

Publicly traded cryptocurrency exchange and platform for buying, selling, and storing digital assets.

Nationally chartered developer infrastructure bank offering APIs for embedded financial products.

Current provides mobile-banking-style services (via partner banks) that emphasise affordability, inclusion and digital-first youth and everyday consumer segments. The value proposition includes no minimum balance requirements, no traditional overdraft fees (for qualifying members), early access to paychecks, savings features with bonus rates (via “Savings Pods”), a secured Build-Card for credit building, and built-in crypto trading. The platform positions itself as “mobile banking done better” and is geared toward working Americans who have been underserved by legacy banking models.

Earned-wage-access platform enabling employees to access earned pay on demand through employer partnerships.

Banking app offering cash advances, budgeting tools, and fee-free overdraft protection.

Expense-management and corporate-card platform automating spend for organizations.

Expense management app automating receipt tracking, reimbursement, and corporate card reconciliation.

Virtual-card platform enabling businesses to issue and manage cards on existing bank programs.

Regulated crypto exchange and custodian for buying, selling, and storing digital assets.

Modern card-issuing and program-management platform for embedded payment products.

Cross-border corporate card and expense-management platform for global businesses.

Credit-building platform offering low-cost products to help consumers establish and improve credit.

Cryptocurrency exchange offering spot and derivatives trading, staking, and custody.

Card-issuing API enabling developers to create and manage virtual and physical payment cards.

Modern card issuing platform providing APIs for companies to create and manage payment cards.

Digital banking platform for startups and businesses offering accounts, cards, and financial tools.

Corporate-card and spend-management platform automating travel and expense.

Digital financial platform providing banking, lending, investing, and financial marketplace services.

Enables embedded payments or new payment products for FI/fintech programs.

Platform helping small businesses access and manage credit, financing, and business data.

Corporate travel and expense management platform with integrated payments.

Global payments infrastructure enabling businesses to send, receive, and manage money across borders.

Digital banking platform for small businesses and entrepreneurs with invoicing, integrations, and no monthly fees.

Cross-border payments platform helping businesses and freelancers send and receive funds globally.

Credit-card fintech using cash-flow underwriting to serve consumers with limited credit history.

Self-custody crypto wallet for managing digital assets across multiple blockchains.

Embedded-financing platform providing capital to small businesses through software partners.

Mobile lender offering small-dollar installment loans and credit-building products to underserved consumers.

Peer-to-peer marketplace offering personal loans, credit cards, and home-equity products.

Stablecoin card and payments infrastructure enabling crypto-backed spending.

Corporate card and spend-management platform automating expenses and helping companies save money.

Business banking and finance platform offering corporate cards, treasury, and AP automation.

Workforce platform unifying HR, IT, payroll, and spend management for businesses.

Fintech offering credit-builder loans and secured cards to help consumers build credit history.

Buy-now-pay-later provider letting shoppers split purchases into interest-free installments.

SoFi (Social Finance, Inc.) is a digital personal finance company that provides a diverse range of financial products including student loan refinancing, mortgages, personal loans, credit cards, investment management, and banking services. SoFi aims to help people achieve financial independence by offering useful tools, member benefits, and community-driven resources through a mobile-first platform. SoFi is publicly traded and regulated as a bank holding company via its subsidiary, SoFi Bank, N.A. It is a member of the FDIC.

AI-powered accounts-payable automation platform centralizing invoice communication and approvals.

Personal finance app offering fractional investing, banking, and financial education.

Mobile banking and financial-literacy app for teens and families with an FDIC-insured account and secured spending card.