Increase vs Alpaca
Side-by-side comparison of AI visibility scores, market position, and capabilities
Banking infrastructure APIs with direct Federal Reserve and Visa connections for fintechs and neobanks; YC-backed offering ACH, RTP, and card issuance competing with Column and Unit in post-Synapse BaaS market.
About
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.
Alpaca is a self-clearing broker-dealer and global leader in brokerage infrastructure APIs for stocks, ETFs, options, and fixed income; raised $52M Series C in April 2025 totaling $170M;
About
Alpaca is a developer-first brokerage infrastructure company founded in 2015 and headquartered in San Mateo, California. It operates as a fully self-clearing broker-dealer with DTCC, Nasdaq, OCC, and FICC memberships — enabling it to provide end-to-end brokerage infrastructure for stocks, ETFs, options, fixed income, and cryptocurrency without requiring partners to manage their own clearing relationships. Alpaca's Broker API allows fintech companies, neobrokerages, robo-advisors, and wealth management platforms to embed multi-asset trading into their applications with a single integration.
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