Today I'm super excited to announce the launch of Clair Connect, our unified network of payroll-partners enabling third party apps to offer credit repaid via payroll. With this launch consumers can get payroll-connected credit (it's less risky for lenders, so it's cheaper for consumers!) to the apps where people manage work, manage their money, or even the agents that manage their work or financial lives. We'll announce the members of our network as they join Clair Connect. We're just getting started :)

Five years ago, I wrote a mega-thread on how to build a neobank from scratch. It turns out that a neobank isn't a bank at all - it's a massive collection of partnerships and infrastructure that supports banking services. Five years later, I'm remastering the post with a full breakdown in 2026. The 13 original layers have grown to 26, so we've got an entire A-Z guide to building the neobank from scratch. Link to post in comments. All vendors mentioned below. A - Acquiring processor: @finix, @stripe, @tabapayments, plus Visa Direct (@Visa) and Mastercard Send (@Mastercard) B - Bank sponsor: @thebancorp, @Lead_Bank, @column, @ereborbank, Increase, Sutton Bank, WebBank C - Core banking: Fiserv, FISGlobal, @Q2_Software, Galileo (SoFi) D - Direct-deposit switching: @atomic_fi, @PinwheelAPI, @KnotAPIs, InstaSwitch (business) E - Enriched transaction data: @ntropy_dev, @spadedata, @HeronData, MX F - Fraud, risk & disputes: @sardine, unit21inc, @GetSift, Chargebacks911, quavosolutions G - Global stablecoin infra: @raincards, @wirexapp, @Stablecoin (stripe) H - Help desk (support + CRM/IVR): @DecagonAI, @livekit, intercom, Talkdesk, Zendesk, TaskUs, Teleperformance I - Issuing processor: @marqeta, @lithic, i2cinc, Galileo, plus Visa DPS (Visa) and Stripe J - Joined banking data: @Plaid, MX, Yodlee, Finicity (Mastercard), Stripe Financial Connections K - KYC: @usealloy, @withpersona, SocureID, @Onfido, @ProveIdentity, MiddeskHQ, sardine L - Lending (credit): ImprintPayments, @highnotesocial, cardless, @DeservePlatform, synchrony M - Money movement: @astra_finance, dwolla, ModernTreasury, @hello_orum N - Networks (front-of-card): Visa, Mastercard, Discover O - Offline cash access: Allpoint, MoneyPass (Fiserv), GreenDotBank, InCommPayments, @PayNearMe, Blackhawk P - Plastic (card fulfillment): @CPICardGroup, @IDEMIA_IST, plus stripe / lithic if not direct Q - Quick mobile check deposit: @miteksystems, @Urban_FT, IngoPayments, synctera R - Rewards infra: Percents, upside S - Subscriptions & bill pay: KnotAPIs, @gigsdotcom, CheckFree (Fiserv), Mastercard Bill Pay Exchange (Mastercard) T - Trading infra: @apexfintech, AlpacaHQ, DriveWealth, plus @zerohashx & Paxos on crypto U - Underwriting: @Zest_AI, @taktile_org, @OscilarInc, @nova_credit V - Variable PIN networks: Interlink (Visa), Maestro (Mastercard), Pulse (Discover), Accel & STAR (Fiserv) W - Wage access: @getclair, DailyPay, Rain X - Cross-border transfers: Wise, NiumGlobal, Currencycloud (Visa) Y - Yield (deposit sweep + FDIC): IntraFi, @ModernFi_, R&T Z - Zoom-in analytics: Margin, hexanalytics