Bolt Financial

Bolt Financial Inc. is an American financial technology company that sells software enabling one-click online checkout for e-commerce merchants. Its flagship product lets shoppers create a single account and reuse saved payment and shipping details across multiple online stores, removing the need to register separately at each retailer. Around this core checkout the company has assembled complementary services, including a prepackaged checkout page supporting discounts, gift cards and loyalty program enrollment, package-tracking features, fraud detection and risk tooling, merchant analytics such as average purchase value, and management of multiple payment methods through a single platform. Product lines have been described as Bolt CheckoutOS, Bolt SSO Commerce and Commerce Everywhere.

The company was founded in January 2014 in San Francisco by Stanford students Ryan Breslow and Eric Feldman, initially operating from Breslow's dorm room and, according to one account, incorporated first as Bitco Financial before rebranding. It started as a Bitcoin wallet business and pivoted to e-commerce payments, launching its first merchant integration in mid-2016. Subsequent product milestones included publicly pitching fraud protection in 2018, an Amazon-like checkout in 2019, the Retailers Give Back Index in 2020, single store account and payments products in 2021, and a virtual shopper assistant in October 2022. In 2025 the company pivoted toward an all-in-one consumer "super app" combining shopping, fiat payments, crypto trading, identity and rewards, launched in September 2025.

Bolt is headquartered in San Francisco and has been described as operating from Salt Lake City and Stockholm, serving North America and Europe. Reported headcount has varied across sources and periods, from 500+ and fewer than 700 to roughly 780-795 and, in one 2023 profile, over 1,000.