Meow

Meow Technologies, Inc. is an American financial technology company that operates a business banking platform for startups, venture-backed companies and small and medium-sized businesses. It is not itself a bank; deposits are held at FDIC-insured partner institutions, principally Cross River Bank and Grasshopper Bank, N.A., while the Meow Commercial Card is issued by Community Federal Savings Bank under a Visa license and the Meow Card is issued by Cross River Bank. Investment products are offered through Meow Advisory, LLC, an SEC-registered investment adviser.

The product set spans business checking accounts with no domestic or international wire, ACH or check fees; unlimited virtual and physical corporate cards with spend controls and no credit check; branded invoicing; scheduled and recurring payments; approval workflows and spend limits; multi-entity dashboards; and integrations with payroll and accounting software. Treasury offerings include a Commercial Paper Account managed by Meow Advisory targeting net yields of 3.55–3.79% annually (as of a date stated on the site as 08/27/2026) with a $100,000 minimum checking balance requirement, as well as U.S. Treasury bills and, per one source, U.K. Gilts and Bunds laddered through partners such as BNY Pershing. The company also supports international payouts in over 50 currencies, native USDC and USDT stablecoin transfers, and a financing marketplace connecting customers to lines of credit, term loans and SBA loans through partner lenders; Meow states it is not a lender and does not make credit decisions.

As of the current website, Meow markets "modern banking for AI agents and global teams," including agentic business formation and onboarding through Claude, a CLI-initiated onboarding flow that works with Claude, ChatGPT and other AI tools, and 2.5% cashback on eligible AI spend on Meow Cards.

Business model

Meow is a non-bank fintech that distributes banking, card, payment and treasury products through regulated partners: FDIC-insured banks hold deposits, card issuers issue the cards, and an affiliated SEC-registered investment adviser (Meow Advisory, LLC) manages investment products such as the Commercial Paper Account. Financing is intermediated through partner lenders and vendor networks rather than originated by Meow. One source characterizes the approach as a lean, high-volume, low-margin model with heavy automation and minimal staffing, described by the founders as a "Costco model."

One secondary source states that Meow generates revenue on a transaction basis from its financial services, including transaction fees tied to payment processing, interest related to high-yield accounts, and partnerships with lending institutions; it notes specific pricing is not publicly disclosed. The company advertises zero wire and ACH fees and free check issuance and deposits to customers.