Company Overview
About Increase
Increase is a San Francisco-based banking infrastructure company providing direct-access banking APIs to technology companies — enabling fintechs, neobanks, payroll platforms, and embedded finance products to programmatically send and receive money through direct connections to the Federal Reserve (for same-day ACH and RTP), Visa (for card issuance), and other financial networks, without the intermediary bank complexity that most BaaS (Banking-as-a-Service) providers require. Founded in 2020 and a Y Combinator graduate, Increase serves technology companies across bill pay, payroll, digital wallets, embedded lending, and sponsor banking use cases.
Business Model & Competitive Advantage
Increase's architecture differs from traditional BaaS platforms: rather than a middleware layer sitting between the customer and a sponsor bank, Increase operates as a technology company with direct programmatic access to financial network rails. This means lower latency, more transparent transaction status, and cleaner API abstractions for developers building financial products. The platform covers ACH (standard 1-3 day and same-day), wire transfers, real-time payments (RTP network, 24/7/365 settlement), check creation and deposit, and Visa debit card issuance with program management.
Competitive Landscape 2025–2026
In 2025, Increase competes in the banking API and BaaS infrastructure market with Synapse (filed for bankruptcy in 2024, creating market disruption), Column (direct bank with API access), Unit (BaaS platform), and Treasury Prime for embedded banking and payment infrastructure. The BaaS market experienced significant turbulence in 2024 — Synapse's collapse disrupted thousands of fintech customers and highlighted risks of intermediary BaaS models where customer funds sit at sponsor banks the BaaS platform controls. Increase's direct infrastructure model avoids the Synapse-type custody risk. The 2025 strategy focuses on growing with the fintech companies that need reliable, direct-access banking infrastructure, expanding the product coverage (real-time payments, international wires), and building the compliance infrastructure that enterprise customers require for regulated financial operations.
Open Positions
Reddit Discussions
Key Differentiators
Emerging Innovator
Increase is an emerging player bringing innovative solutions to the Finance market.
Frequently Asked Questions
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