Empowering community financial institutions with enterprise-grade technology that scales without the complexity.
BankSocial started as a conviction, not a company.
Our Founder and CEO had a simple but radical belief: the financial system could be rebuilt around people, trust, and real ownership. That belief became action in May 2021 through the launch of the BankSocial DAO and the BankSocial token, designed to align incentives and give communities a stake in the rails they rely on.
In 2022, Fivancial, Inc. (d/b/a BankSocial) was formed to turn that vision into a real-world platform for financial institutions. Shortly after meeting Becky Reed, the mission became clear: bring next-generation infrastructure to credit unions and community financial institutions without forcing them to compromise on compliance, consumer protection, or the cooperative values that make them different.
By the end of 2022, BankSocial achieved a major milestone, launching what we believe was the first self-custody digital asset exchange embedded inside a financial institution, proving that consumers could have true control of their assets while still benefiting from the governance, guardrails, and trust of their institution.
In early 2023, we expanded the foundation again with the launch of rUSD, a stablecoin purpose-built for real-world utility, connecting digital value to the speed, transparency, and programmability modern finance demands.
Today, BankSocial has grown into a full ecosystem powering more than 50 financial institutions across the world. We build orchestration layers, payment experiences, security and fraud defenses, and digital asset infrastructure that help institutions move faster, protect consumers, and stay ahead of what's next, without losing who they are.
This is our story: a dream that became a DAO, a DAO that became a company, and a company that became a movement to modernize finance through trust, technology, and cooperative ownership.
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Empowering communities and the institutions that support them to transact through shared financial innovation. We are THE digital wallet and core infrastructure company of the world.
To empower financial institutions, their communities, and people everywhere by democratizing access to innovation, expertise, and collaboration.
Community financial institutions are stuck with fragmented legacy systems that make it impossible to deliver modern consumer experiences. Meanwhile, big banks have billion-dollar tech budgets.
A unified ecosystem that delivers best-in-class experiences for investing, payments, fraud prevention, and identity—without replacing your core or digital banking. Enterprise power, community focus.
Each product solves a critical challenge for modern financial institutions
Streamlined onboarding and account opening with identity verification
Fraud protection and hardened wallet infrastructure with enterprise-grade security
Payment orchestration for real-time, international, and emerging payment rails
Wealth creation platform for stocks, crypto, and digital assets management
Unified consumer interface delivering all products in one place
AI-powered operations platform for servicing and risk management
Roll your own experiences with composable endpoints
Human-powered AI services for marketing, support, accounting, compliance
These principles guide every decision we make and every solution we build
We tell the truth early, act transparently, and follow through on every commitment. Trust is our most valuable currency—with clients, partners, and each other—and we protect it relentlessly. We sweat the small stuff.
We design for people—credit union consumers, financial institutions, communities and one another. Every decision should make their experience simpler, safer, and more empowering.
We win together. Collaboration across teams, clients, and partners creates shared innovation and collective progress. No silos, no egos—just shared outcomes and mutual respect.
We challenge assumptions, take smart risks, and build what others say can't be done. Progress requires courage—to rethink what's possible and to deliver what truly changes lives.
Whether serving consumers, institutions, or one another, we show care, humility, and responsiveness. We communicate clearly, listen actively, and act with respect—even when conversations are hard. We are confident but never arrogant; professional yet human. Technology is our tool—service is our identity.
We stay curious, learn fast, adapt, and finish what we start. Challenges don't discourage us—they sharpen us. Every obstacle is an opportunity to improve and strengthen our mission.
We believe financial innovation should be built for and available to anyone. Our solutions break down barriers—cost, technology, security, geography, etc.—and give institutions and individuals opportunities to thrive.
These aren't just words on a page—they're the foundation of how we build products, serve clients, and support each other every day.
We take security seriously. Seriously enough to have fun with the message. Because the best security culture is one where everyone stays vigilant—even at the copier.
You don't talk about BankSocial security (except we totally do)
Never leave seed phrases by the copier (or anywhere else)
Security can be serious and fun—vigilance doesn't have to be boring
We believe trust is earned through radical transparency. We call it Trustparency.
We operate in the open. Our platform health, uptime metrics, and system status are publicly available in real-time. No hiding behind corporate PR—just honest, transparent communication.
Trust requires security. We maintain the highest standards for data protection, undergo regular third-party audits, and keep our partners informed every step of the way.
Your success is our success. We provide clear documentation, responsive support, and proactive communication to ensure you get the most from our platform.
Your data is yours. Period. We never sell consumer data, we provide clear data portability, and we respect your institution's ownership rights.
When you partner with BankSocial, you're not just getting technology—you're getting a partner committed to earning your trust every single day through radical transparency.
Now it's time to co-create the future together
A collaborative space for innovation where founders, builders, and financial institutions come together to shape the future of community finance.
Join The Collective and be part of building the next generation of financial infrastructure. Whether you're a founder, developer, or financial institution, there's a place for you.
Open to builders, innovators, and institutions
