Column vs Plata
Side-by-side comparison of AI visibility scores, market position, and capabilities
Column is a nationally chartered bank built for developers, offering direct bank APIs for payments, lending, and accounts without an intermediary sponsor bank layer.
About
Column is a nationally chartered bank founded in 2021 that is built from the ground up as a developer-first financial infrastructure company. Unlike BaaS providers that sit on top of sponsor banks, Column is itself a federally chartered bank with a national bank charter, meaning fintechs and technology companies can access banking infrastructure without an intermediary and with direct access to Federal Reserve payment rails. The company offers APIs for ACH, wire transfers, real-time payments, account creation, and card issuing, with straightforward and transparent pricing compared to the multi-layer fees common in traditional BaaS stacks. Column raised over $100M and serves fintech companies, technology platforms, and lending businesses that need reliable and cost-efficient banking infrastructure with deep API access. Holding a national bank charter allows Column to offer more competitive economics and simpler compliance structures than BaaS platforms relying on third-party sponsor banks. Column represents the most vertically integrated approach to developer banking, eliminating the intermediary layer that adds cost and complexity in traditional BaaS architectures.
Raised $250M Series B at $3.1B valuation (2025). Banking license approved. 2M+ active users. Issues ~10% of all new credit cards in Mexico. Full-stack digital bank in 2026.
About
Plata is Mexico's fastest-growing digital bank, launched in April 2023 and scaled to 2 million+ active users, 3,000+ employees, and approximately 10% of all new credit card issuances in Mexico within two years. The company raised $250 million in Series B financing at a $3.1 billion valuation, secured a banking license in December 2024, and is evolving into a full-stack digital bank in 2026 — adding SME lending, savings accounts, and cross-border products.
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