Increase

increase.com

Modern bank infrastructure that enables technology companies to programmatically store, move, and reconcile money.

Employees

11-50

Location

Bend, OR

AI Classification

FinServFinTech

Increase provides enterprise-grade banking APIs that give technology companies and fintech platforms direct, programmatic access to Federal Reserve networks, Visa, and other payment rails for storing, moving, and reconciling money. Founded in 2020 by Stripe's first employee and YC-backed, they operate as infrastructure middleware partnering with FDIC-insured banks rather than holding a bank charter, serving embedded finance builders processing billions monthly.

Deep Intelligence

Buying Signals

Active product development cycle in Q1/Q2 2025 with multiple feature launches including file links, check deposit images, Apple Pay transaction history, and API event log filtering — signals continued investment in platform capabilities.
Founder Darragh Buckley acquired a significant stake in Twin City Bank in 2025, triggering a Federal Reserve Board filing — signals strategic intent to deepen direct banking infrastructure ownership.
Named enterprise partner integrations with Ramp, Digits, and CapitalOS publicly featured on homepage — evidence of active partnership acquisition and customer-facing case study development.
Company publicly exploring AI agent payment use cases, describing LLM-based autonomous payments as 'a live frontier' — signals emerging product category investment.
Growing headcount from ~15-20 employees (deep research) to 80+ per broader reports since 2020 founding — consistent hiring trajectory for a lean infrastructure company.

Account Scoring

Tier ALow Churn RiskExpanding

Pain Signals

Only 1 of 5 scraped pages returned content successfully (4 failed) — possible technical site architecture issues or limited depth of public-facing content, which may hinder inbound discovery.
Funding history remains partially undisclosed with Crunchbase and PitchBook data described as obfuscated — suggests intentional opacity or limited institutional capital relative to competitors like Moov ($109M raised) and Column ($55.1M revenue).
Small team (~15-80 employees) managing complex multi-rail infrastructure spanning ACH, Fedwire, FedNow, Visa, RTP, and multiple bank partnerships simultaneously — potential operational scaling risk as customer volume grows.