Our Story
We're working to create a world where financial institutions support everyone's financial needs and aspirations.
Our Story
We're working to create a world where financial institutions support everyone's financial needs and aspirations.
About Percapita
Early in 2020, a few Wall Street veterans decided to start a new kind of financial services company. It would be diverse, inclusive, scalable, and committed to serving the middle—and working—class communities across the US who usually get the short-end of the financial stick.
That's how Percapita started. This was before the pandemic shut down the global economy, triggering mass lockdowns, market meltdowns, and a recession that sparked the largest government relief programs since the Great Depression. It was before the murder of George Floyd galvanized the gravest racial reckoning the U.S. had seen in nearly six decades.
We grieved and mourned. Some of us rallied and marched. And we thought hard about how our business could meet the moment and build beyond it. In a charged world suddenly focused on pain, injustice and inequity, the questions we asked ourselves remained largely the same:
What could we do that would be impactful and achievable?
What could we build that would be just and equitable?
How could we create a sustainable engine of change to remove the barriers so many face in achieving financial stability?
We researched the role of financial products and services, or the lack thereof, in the lives of the everyday people the pandemic would make clear are the backbone of our economy—black, brown and immigrant communities, essential workers in towns across America, women who disproportionately bear the weight of caretaking, and so many others. We scrutinized the holistic service that banks roll out for their wealthiest clients, compared to the bare-bones and often high-fee services left for the rest.
And we realized that it doesn't have to be that way.
Along the way, others joined the team. Our cultural anthropologists help us understand how best to connect with and serve historically underserved and neglected communities. Our banking industry leaders bring deep business and product expertise to help us design better solutions. Our engineers help us leverage the best technology to achieve the scale necessary for wide impact. Other members of our team bring their learning, passion and new perspectives to help us all innovate as we challenge the status quo.
Businesses and investors have also joined us for the journey. We've partnered with employers, who see in our model the promise of financial wellness for their employees. We've partnered with investors who believe in our long-term strategy. They see, as we do, that it's possible to harness the power of financial technology to deliver on a commitment to social impact and a focus on building an equitable and inclusive company that reflects the diversity of our society.
We're working to create a world where financial institutions support everyone's financial needs and aspirations. We're here to close the gap between financial services and financial wellness.
We are Percapita.
That's how Percapita started. This was before the pandemic shut down the global economy, triggering mass lockdowns, market meltdowns, and a recession that sparked the largest government relief programs since the Great Depression. It was before the murder of George Floyd galvanized the gravest racial reckoning the U.S. had seen in nearly six decades.
We grieved and mourned. Some of us rallied and marched. And we thought hard about how our business could meet the moment and build beyond it. In a charged world suddenly focused on pain, injustice and inequity, the questions we asked ourselves remained largely the same:
What could we do that would be impactful and achievable?
What could we build that would be just and equitable?
How could we create a sustainable engine of change to remove the barriers so many face in achieving financial stability?
We researched the role of financial products and services, or the lack thereof, in the lives of the everyday people the pandemic would make clear are the backbone of our economy—black, brown and immigrant communities, essential workers in towns across America, women who disproportionately bear the weight of caretaking, and so many others. We scrutinized the holistic service that banks roll out for their wealthiest clients, compared to the bare-bones and often high-fee services left for the rest.
And we realized that it doesn't have to be that way.
Along the way, others joined the team. Our cultural anthropologists help us understand how best to connect with and serve historically underserved and neglected communities. Our banking industry leaders bring deep business and product expertise to help us design better solutions. Our engineers help us leverage the best technology to achieve the scale necessary for wide impact. Other members of our team bring their learning, passion and new perspectives to help us all innovate as we challenge the status quo.
Businesses and investors have also joined us for the journey. We've partnered with employers, who see in our model the promise of financial wellness for their employees. We've partnered with investors who believe in our long-term strategy. They see, as we do, that it's possible to harness the power of financial technology to deliver on a commitment to social impact and a focus on building an equitable and inclusive company that reflects the diversity of our society.
We're working to create a world where financial institutions support everyone's financial needs and aspirations. We're here to close the gap between financial services and financial wellness.
We are Percapita.
About Percapita
Early in 2020, a few Wall Street veterans decided to start a new kind of financial services company. It would be diverse, inclusive, scalable, and committed to serving the middle—and working—class communities across the US who usually get the short-end of the financial stick.
That's how Percapita started. This was before the pandemic shut down the global economy, triggering mass lockdowns, market meltdowns, and a recession that sparked the largest government relief programs since the Great Depression. It was before the murder of George Floyd galvanized the gravest racial reckoning the U.S. had seen in nearly six decades.
We grieved and mourned. Some of us rallied and marched. And we thought hard about how our business could meet the moment and build beyond it. In a charged world suddenly focused on pain, injustice and inequity, the questions we asked ourselves remained largely the same:
What could we do that would be impactful and achievable?
What could we build that would be just and equitable?
How could we create a sustainable engine of change to remove the barriers so many face in achieving financial stability?
We researched the role of financial products and services, or the lack thereof, in the lives of the everyday people the pandemic would make clear are the backbone of our economy—black, brown and immigrant communities, essential workers in towns across America, women who disproportionately bear the weight of caretaking, and so many others. We scrutinized the holistic service that banks roll out for their wealthiest clients, compared to the bare-bones and often high-fee services left for the rest.
And we realized that it doesn't have to be that way.
Along the way, others joined the team. Our cultural anthropologists help us understand how best to connect with and serve historically underserved and neglected communities. Our banking industry leaders bring deep business and product expertise to help us design better solutions. Our engineers help us leverage the best technology to achieve the scale necessary for wide impact. Other members of our team bring their learning, passion and new perspectives to help us all innovate as we challenge the status quo.
Businesses and investors have also joined us for the journey. We've partnered with employers, who see in our model the promise of financial wellness for their employees. We've partnered with investors who believe in our long-term strategy. They see, as we do, that it's possible to harness the power of financial technology to deliver on a commitment to social impact and a focus on building an equitable and inclusive company that reflects the diversity of our society.
We're working to create a world where financial institutions support everyone's financial needs and aspirations. We're here to close the gap between financial services and financial wellness.
We are Percapita.
That's how Percapita started. This was before the pandemic shut down the global economy, triggering mass lockdowns, market meltdowns, and a recession that sparked the largest government relief programs since the Great Depression. It was before the murder of George Floyd galvanized the gravest racial reckoning the U.S. had seen in nearly six decades.
We grieved and mourned. Some of us rallied and marched. And we thought hard about how our business could meet the moment and build beyond it. In a charged world suddenly focused on pain, injustice and inequity, the questions we asked ourselves remained largely the same:
What could we do that would be impactful and achievable?
What could we build that would be just and equitable?
How could we create a sustainable engine of change to remove the barriers so many face in achieving financial stability?
We researched the role of financial products and services, or the lack thereof, in the lives of the everyday people the pandemic would make clear are the backbone of our economy—black, brown and immigrant communities, essential workers in towns across America, women who disproportionately bear the weight of caretaking, and so many others. We scrutinized the holistic service that banks roll out for their wealthiest clients, compared to the bare-bones and often high-fee services left for the rest.
And we realized that it doesn't have to be that way.
Along the way, others joined the team. Our cultural anthropologists help us understand how best to connect with and serve historically underserved and neglected communities. Our banking industry leaders bring deep business and product expertise to help us design better solutions. Our engineers help us leverage the best technology to achieve the scale necessary for wide impact. Other members of our team bring their learning, passion and new perspectives to help us all innovate as we challenge the status quo.
Businesses and investors have also joined us for the journey. We've partnered with employers, who see in our model the promise of financial wellness for their employees. We've partnered with investors who believe in our long-term strategy. They see, as we do, that it's possible to harness the power of financial technology to deliver on a commitment to social impact and a focus on building an equitable and inclusive company that reflects the diversity of our society.
We're working to create a world where financial institutions support everyone's financial needs and aspirations. We're here to close the gap between financial services and financial wellness.
We are Percapita.