Mine

Mine is a New York-based personal finance company targeting young adults, operating a consumer platform that combines a credit-building payment card, account aggregation and tracking, and an AI-driven financial guidance agent. The company was previously known as Fizz and rebranded to Mine in January 2026, after the founders said they had to change the name due to another consumer app used by the same demographic.

The product suite comprises three main components. The Mine Card is billed as a debit card that builds credit; it is backed by a line of credit and issued by Lead Bank, and includes features that discourage users from spending beyond the balance in their linked checking accounts, real-time indications of safe-to-spend amounts, and rewards. A tracking feature consolidates cards, bank accounts, brokerages, retirement funds, credit history and student loans into a single interface. MoneyGPT, launched alongside the rebrand, is an AI personal finance agent built on the company's proprietary data models that learns user habits and goals and provides instant, personalized recommendations on saving, spending and credit building, including for situations such as student loan repayment, first-time credit building, variable income and gig work.

Mine frames its market opportunity around young adults facing variable income, side gigs, debt and shifting goals while using tools designed for earlier generations; the company cites figures that nearly 60% of students worry about covering basic expenses and 37% stress over loan repayment. Founders position the company as an alternative to speculative Gen Z financial products such as prediction markets and crypto.

Founding story

Mine was started as Fizz by cofounders Carlo Kobe and Scott Smith, described as two Gen Z college dropouts, through Y Combinator's Summer 2021 batch during the early-2020s consumer credit card fintech wave. Recognizing how hard it is for young people to obtain a first credit card, they designed a product that functions like a debit card while building credit.

Business model

Mine sells consumer financial products directly to individuals. It operates a free tier that includes basic budgeting and credit score monitoring and a subscription tier that includes the card and more advanced tracking. The company also earns referral revenue, for example through rewards incentives with merchants such as Uber and Nike. The card is issued by Lead Bank.

Subscription fees for the paid tier that bundles the Mine Card and advanced tracking, plus referral revenue from partner rewards offers. The company reported reaching $10 million in annual recurring revenue as of January 2026.

Traction

The company reported approximately one million users and $10 million in annual recurring revenue as of January 2026, with about 70% of customers under age 30. Company-reported survey results state that 75% of users feel more financially confident and 70% feel more financially independent after using Mine. Team size is listed as 18.

Latest developments

In January 2026 the company announced its rebrand from Fizz to Mine, the launch of the MoneyGPT personal finance agent, and a $14 million Series A led by 359 Capital with participation from Kleiner Perkins, new investor FJ Labs, and existing backers Y Combinator and U.S. News & World Report. The company said the funds would expand operations and development, and reported roughly one million users and $10 million in ARR.