StellarFi
Austin, US · Founded 2021 · 8 known investors
StellarFi offers an app-based Visa credit card that uses AI-guided tips and a user's full credit picture to help them build credit, earn higher limits, and gain better rewards over time. It targets consumers across all credit scores, letting them qualify based on income and bank account through tiered card levels (Silver, Gold, Stellarite).
AI & Machine LearningConsumerFintech
Founders & leadership
StellarFi was founded in 2021 by Lamine Zarrad.
LZ
Lamine ZarradFounder
Board
CS
Christopher ShonkBoard director
RB
Richard BlankenshipBoard director
Investors · 8
Acrew CapitalSan Francisco · $1M – $15M
ATX Venture PartnersAustin · $250K – $5M
Evolution VenturesSan Francisco
Hilltop Venture PartnersSan Diego
Sprint VcBangalore · $300
Interplay Ventures Early Stage Management LlcreportedNew York · $1M
Socially FinancedreportedChatham · $100K – $250K
Trust VenturesreportedAustin
Reported raises · per SEC filings
Form D private placements$3.5M disclosed across 1 round · 2024
▶$3.5MraisedAug 2024 · 16 investors · Other TechnologyRule 506(b)
▶$3.5MraisedAug 2024 · 16 investors · Other Technology
Rule 506(b)Officers, directors & promoters on the filing
- Lamine ZarradExecutive Officer, Director
- Richard BlankenshipDirector
- Christopher ShonkDirector
- Offering amount
- $9.7M
- Amount sold
- $3.5M
- First sale
- Aug 2024
- Incorporated
- Corporation, Delaware, 2021
- Federal exemptions
- 06b
Source: SEC EDGAR Form D. Amounts as filed; amended filings shown once at their latest values.
Competitors · 8
by search overlapExperian2455 shared keywordsExperian offers consumers tools to access their credit report and FICO Score, build credit, and manage money, including credit card matching, bill and subscription negotiation, car insurance comparison, and a digital checking account with debit card. It serves individual U.S. consumers through its app and financial products.
Chase2442 shared keywordsA wealth management and investing service (J.P. Morgan Wealth Management via Chase) offering self-directed brokerage accounts with commission-free online trades as well as one-on-one advisor services, financial planning tools, and retirement accounts. It serves individual retail investors ranging from beginners to experienced investors in the United States.
Credit Karma2249 shared keywordsCredit Karma is an AI-powered personal finance platform that provides free credit scores, credit monitoring, cashflow insights, and financial marketplace services to help consumers understand and manage their finances. The platform serves over 140 million members with tools for credit analysis, tax filing, and financial opportunity identification.
Beem1875 shared keywordsBeem is a fintech app offering instant cash advances up to $1,000 with no credit checks or income restrictions, personal loans up to $100,000, and AI-powered financial tools for budgeting, price comparison, and job matching. It serves gig workers, freelancers, government benefits recipients, and underserved consumers who lack access to traditional financial services.
Capitalone1753 shared keywordsCapital One is a financial services company that offers credit cards, checking and savings accounts, auto financing, and business banking products to consumers and small businesses. The company provides digital banking tools, rewards programs, and credit monitoring services.
DoNotPay1709 shared keywordsDoNotPay uses artificial intelligence to help consumers fight large corporations, appeal disputes like parking tickets and bank fees, cancel unwanted subscriptions, and navigate bureaucratic processes. The platform serves individual consumers seeking to save money, protect privacy, and resolve consumer complaints against businesses and government agencies.
Emma1201 shared keywordsEmma is a personal finance management app that aggregates a user's bank accounts and credit cards in one place, offering budgeting, spending analysis, transaction search, and subscription/bill reminders. It supports open banking integrations across many banks and offers a paid Pro/Premium tier with features like custom categories and offline accounts.
American Express Supplies1108 shared keywordsAmerican Express provides consumer and business credit cards, banking, and travel services, along with a rewards and benefits program. It serves individual consumers and businesses.
Companies competing with StellarFi for the same Google search keywords, organic and paid, via search-intersection analysis.
Frequently asked questions
- What does StellarFi do?
- StellarFi offers an app-based Visa credit card that uses AI-guided tips and a user's full credit picture to help them build credit, earn higher limits, and gain better rewards over time. It targets consumers across all credit scores, letting them qualify based on income and bank account through tiered card levels (Silver, Gold, Stellarite).
- Who founded StellarFi?
- StellarFi was founded by Lamine Zarrad in 2021.
- Who are StellarFi's investors?
- StellarFi's investors include Acrew Capital, ATX Venture Partners, Evolution Ventures, Hilltop Venture Partners, Sprint Vc, Interplay Ventures Early Stage Management Llc, Socially Financed, Trust Ventures.
- How much funding has StellarFi raised?
- StellarFi has disclosed $3.5M raised across 1 round.
- Where is StellarFi headquartered?
- StellarFi is headquartered in Austin, US.


