Increase 已宣布推出 Increase Bank，将现代银行核心与受监管的银行服务结合起来，帮助团队以更高的速度、精度和控制力构建金融产品。Increase 成立于 2020 年，其银行基础设施和 API 使 Gusto、Ramp 和 Stripe 等公司能够转移、存储和借出数千亿美元资金。随着 FDIC 成员机构 Increase Bank 的加入，金融科技公司如今可以使用一家具备其需求的银行。

Increase 创始人 Darragh Buckley 表示：“This is a bank built by a team of product-obsessed operators for ambitious companies that are just as obsessed with building the best possible products for their customers.” 他补充说：“It is programmable at scale and designed for reliability, speed, and flexibility.”

Increase 的构想源于 Buckley 早年参与构建 Stripe 的经历。在那段时期，他看到了对银行基础设施的需求：这种基础设施应具备与其所服务的金融科技公司相同深度的工程能力。此后，金融科技行业已成为科技领域增长最快的行业之一，2025 年营收超过 6500 亿美元，年同比增长约 21%。这一规模也说明了为什么基础设施选择对金融科技团队至关重要，因为它们通常需要银行、支付和账本系统协同工作，而不能拖慢产品开发。

Increase 现在包括 Increase Bank，以及一个与 Federal Reserve、The Clearing House 和 Visa 直接连接的现代银行核心。Increase 的技术维护账户余额和交易的主记录系统，并与 Federal Reserve 实时对账。公司表示，这使金融科技公司能够完全控制账户，并让它们以与自身业务相同的速度和规模运营。

Stripe 前国际业务负责人、顾问 Diede van Lamoen 表示：“A fintech company’s ability to scale often comes down to whether they have a banking partner that can move at their pace, build solutions to the edge cases they are solving, and give them direct access to payment rails.” 他补充说：“Increase was built by people who have first-hand experience with these challenges and a drive to support users from the first payment to their billionth.”

Increase 的技术受到美国一些最大的金融科技公司和软件平台信赖，为资金转移、存储和发卡提供灵活、透明且可靠的基础构件。

Ramp 联席 CEO Karim Atiyeh 表示：“At Ramp, we are building AI for finance, and we must move fast to save our customers’ most valuable resources – time and money. Increase provides the banking infrastructure we need to do just that. From the ability to open accounts synchronously, fully featured for every payment rail, from day one to the pace they ship new features, Increase just gets it.”