Bond
AcquiredFounded 2019 · 3 known investors
Bond offers an embedded finance platform with modern APIs and program management support that lets companies build, launch, and operate their own financial products for their customers. It serves businesses looking to add branded fintech offerings.
Also known as Bond Financial Technologies
Founders & leadership
Bond was founded in 2019 by Roy Ng.
Investors · 3
Company profile
researched Aug 2026Bond (bond.tech) operates an embedded finance platform that lets software companies and fintechs add banking and credit capabilities to their own products. Its stack is organized around four building blocks: account verification (KYC, KYB, ID verification, sanctions screening, AML and fraud assessment, templated disclosures, and documentary/non-documentary checks); deposit accounts (FDIC-insured accounts up to $250,000, balance and rewards accounts, account and routing numbers, pending and available balances, and access to U.S. ATMs); cards (a universal Cards API covering prepaid debit and credit cards, asset-backed and secured charge cards, credit cards, branded virtual and physical cards, provisioning to Apple Pay, Google Pay and Samsung Pay, dynamic spend controls, real-time authorizations, ATM access, and card-to-card transfers); and money movement (send/receive ACH, domestic wires, mobile check deposits, bill pay, push-to-debit, peer-to-peer transfers, and credit returns on debits).
The company positions itself around embedded credit, marketing two named solutions — a Consumer Secured Credit Card and a Commercial Charge Card — plus use cases such as a consumer credit builder card that combines KYC, virtual or physical credit cards, underwriting through Bond, and instant decisioning, with optional debit cards and metal card stock. Bond provides an integration layer pre-integrated with banks and vendors, and manages the program so customers do not need their own banking licenses or in-house compliance teams. Developer-facing assets include modern REST APIs, webhooks, a sandbox environment (sandbox.bond.tech), documentation, and code examples in Shell, Python, Ruby and JavaScript.
As of the sources reviewed, the Bond website carries a notice stating that Bond is now part of Atelio by FIS and directing visitors to atelio.com.
Business model
Bond sells its platform business-to-business to software companies, brands and fintechs that want to offer financial products to their own end users. Beyond APIs, Bond bundles program management, bank and vendor integrations, and compliance capabilities so customers do not need to hold banking licenses or build compliance teams themselves; the sources do not disclose pricing or fee structure.
Traction
Bond's site names customers including NerdWallet, Squire, Cledara, Qoins, Donde and TeamUp, with case studies centered on credit builder cards. It states Qoins customers have paid off more than $30 million using the Qoins Qard built on Bond. No revenue, customer count or volume figures are disclosed in the sources.
Latest developments
Bond's website carries a banner stating "Bond is now a part of Atelio by FIS," pointing visitors to atelio.com.
▸Full profile — market position, technology, go-to-market, geography, history
Market position
Bond describes itself as an enterprise-grade embedded finance / banking-as-a-service platform. Press items linked from its site refer to it as a "Goldman-backed startup" and a "Banking-as-a-Service Platform ... Enabl[ing] Fast Time to Market for Brands Seeking Embedded Credit Solutions." Its site now states it is part of Atelio by FIS.
Bond emphasizes a single pre-integrated layer across banks and technology vendors, removing the need for customers to negotiate separate contracts or hold banking licenses, and its focus on embedded credit products (secured consumer credit cards and commercial charge cards) including underwriting and instant decisioning through Bond. Customer testimonials cited on the site stress fast time-to-market relative to building in-house.
Technology
A unified API platform with modern REST APIs and webhooks, a sandbox environment, and published documentation with examples in Shell, Python, Ruby, JavaScript and Node. Capability APIs cover identity/account verification, deposit accounts, a universal Cards API for virtual and physical card issuance, and money movement rails including ACH, domestic wires, mobile check deposit, bill pay, push-to-debit and P2P transfers. An integration layer pre-connects customers to Bond's bank and technology partners.
Go-to-market
Developer-led self-service entry points (sandbox access, public documentation, "start building" calls to action) combined with direct enterprise sales and program-management support. Bond publishes customer case studies, a blog, a podcast and a news section, and highlights speed to market — "build in minutes, launch in weeks" — as its principal sales argument.
Software platforms, brands and fintech companies across industries that want to embed consumer or commercial credit and banking features for their end users. Named customers cited on Bond's site include NerdWallet, Squire (barbershop operating system), Cledara (UK software subscription management), Qoins, Donde (travel-as-a-benefit), and TeamUp (a neobank for student athletes).
Geography
Products are oriented to the U.S. market (FDIC-insured deposit accounts, U.S. ATM access, domestic wires, federal compliance checks). Bond has supported non-U.S. customers entering the United States; UK-founded Cledara stated Bond helped it launch in the U.S. without an in-person presence.
History
Bond built out a leadership bench described on its About page as including Roy Andrew Ng (Co-founder & CEO), Hunter Spinks (Head of Product), Waqas Ahmed (Head of Engineering), Frederick Reynolds (Head of Compliance), Eran Karoly (VP of Customer Operations), Emily Novosel (Head of Marketing), Joey Knauf (Head of Finance) and Jonathan Grayson (General Counsel); press coverage referenced on the site notes executives from Rapyd, PayPal and Goldman Sachs joining the company and a $32 million raise. The company's website subsequently announced that Bond is now part of Atelio by FIS.
Compiled by commissioned research from 8 cited public sources — announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed — not independently audited.
Founder mafia
2 people who came through Bond went on to found or lead other companies.
Timeline · 1
launches, deals, and filingsA site-wide notice on Bond's website states that Bond is now a part of Atelio by FIS, directing visitors to atelio.com. The sources do not disclose deal terms or a transaction date.
Dated company events from announcements, filings, and press; legal rows summarize public dockets and regulator releases.
In the news
▸Research sources · 8
primary sources listed
- Bondbond.tech · web
8 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does Bond do?
- Embedded finance platform providing APIs for consumer and commercial credit products; now part of Atelio by FIS.
- Who founded Bond?
- Bond was founded by Roy Ng in 2019.
- Who are Bond's investors?
- Bond's investors include Canaan Partners, Coatue Management, XYZ Venture Capital.