WalletFi
WalletFi is a B2B SaaS platform that enriches raw bank transaction data with recurring subscription and bill-payment intelligence, selling an API, a white-label application, and an analytics dashboard to community banks, credit unions, and fintechs.
- Company typePrivate
- Founded2018
- HeadquartersRaleigh, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What WalletFi does
WalletFi, operated by StartStopMove, Inc., is a Raleigh, North Carolina-based B2B SaaS platform that enriches raw bank transaction data with recurring subscription and bill-payment intelligence. It targets community banks, credit unions, and fintechs, and lists First Bank (NC), BankFirst Financial Services, and Peoples Bank among its publicly disclosed FI customers. The company's commercial offering is built on three products: a Transaction Enrichment API that classifies recurring merchants, a white-label subscription management application that FIs can rebrand inside their digital banking experience, and a Transaction Analytics Dashboard for internal FI use. Plaid is used as the underlying data-aggregation layer, and the platform advertises GDPR and CCPA compliance posture.\n\nThe business model is subscription-based SaaS sold to financial institutions and fintechs, with the white-label app functioning as the primary distribution surface and the API enabling fintech reuse of WalletFi's categorization logic. Go-to-market appears anchored in the community-bank and credit-union segment rather than tier-1 banks, and the 2022 acquisition by Constellation Digital Partners has folded WalletFi into a CUSO distribution model serving multiple credit unions. Total disclosed funding since inception is approximately $1M, the headcount band is 1-10 employees, and the team is led by CEO Marc Miller with CTO Dan Obernesser, Head of Product Christopher Brown, and Senior Cloud Engineer Tal Sabas.
WalletFi firmographics
Firmographics- Name
- WalletFi
- Legal name
- StartStopMove, Inc.
- Website
- https://walletfi.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Acquired
- Headcount range
- 1–10 employees
- Short description
- WalletFi is a B2B SaaS platform that enriches raw bank transaction data with recurring subscription and bill-payment intelligence, selling an API, a white-label application, and an analytics dashboard to community banks, credit unions, and fintechs.
- Ownership category
- akta.pro rank
WalletFi industry classification
Industry- Product category
- Subscription Management Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Digital Wallet Infrastructure (Tokenization, Wallet-as-a-Service) (FSAMAEAI)
- akta.pro secondary industries
- Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value) (FSAGAAAD), Embedded Wallets (Platforms & Marketplaces) (FSAMAEAM)
Keywords
Where WalletFi is headquartered
LocationHeadquarters
- HQ city
- Raleigh
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
WalletFi business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations
Revenue model
- B2B SaaS Subscription (implied): WalletFi provides subscription management solutions to community banks, credit unions, and fintechs via API, white-label application, and analytics dashboard. Pricing is quote-based ('Start a Conversation'), indicating typical B2B SaaS subscription/contract-based revenue. The acquisition by Constellation Digital Partners suggests a recurring revenue model embedded in a credit union service organization.
- White-Label / OEM Licensing: WalletFi provides a white-label subscription management application, indicating a licensing/white-label revenue component where financial institutions brand and distribute the application to their end customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | — | Quote-based enterprise pricing - not publicly disclosed |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels4 records
WalletFi product offering
Product offeringCore offering
WalletFi is a Subscription Management Solution platform for community banks, credit unions, and fintechs. It enriches raw transaction data with recurring subscription and bill payment information via a Transaction Enrichment API, delivers a White-label Subscription Management Application for end customers to classify and manage recurring payments, and provides a Transaction Analytics Dashboard that surfaces transaction trends and decision-support analytics. The operating entity is StartStopMove, Inc. dba WalletFi, now part of Constellation Digital Partners.
Product overview
WalletFi is a unified Subscription Management Solution platform (operated by StartStopMove, Inc. dba WalletFi) targeted at community banks, credit unions, and fintechs. It is a platform-plus-modules architecture composed of three integrated products: the Transaction Enrichment API (the data layer that ingests raw transactions and tags them with subscription and bill payment information), the White-label Subscription Management Application (the customer-facing layer that lets end users classify, categorize, and manage their recurring payments), and the Transaction Analytics Dashboard (the institutional layer that surfaces trends and decision-support analytics). Together, these three modules enrich, analyze, and act on transaction data to drive personalized customer engagement and improve financial well-being. The company has since been acquired by Constellation Digital Partners.
Differentiator
Problem solved
Functional benefit
Brands
- WalletFi: The principal subscription management solution offered by StartStopMove, Inc. — a transaction-enrichment API, white-label subscription management application, and transaction analytics dashboard serving community banks, credit unions, and fintechs.
Products and services
- Transaction Enrichment API API product that enriches raw transaction data with recurring subscription and bill payment information, identifying forgotten subscription free trials, ballooning bill payments, and credential-on-file merchants (Amazon, Instacart, Uber, etc.). It is targeted at community banks, credit unions, and fintechs that want to power downstream subscription and bill management experiences, and forms the data layer of the WalletFi platform.
- White-label Subscription Management Application White-label application that enables end customers of a financial institution to classify, categorize, and centrally manage recurring subscriptions and bill payments, and to take action on them. It is delivered to financial institutions as a branded experience to offer to their end customers.
- Transaction Analytics Dashboard Dashboard that uncovers trends within recurring transactions and delivers the data and analytics financial institutions need to make informed product and customer decisions. Targeted at financial institution operators and analysts who need visibility into recurring spend patterns and customer behavior.
Quantifiable outcome
- BankFirst Financial Services used WalletFi to identify and target customers without specific big-ticket debit card transactions with personalized incentives.
- +2 more outcomes
Companies that use WalletFi
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
WalletFi technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability4 records
Feature4 records
WalletFi partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered flagship and core.
- Constellation Digital PartnersflagshipWalletFi has joined Constellation Digital Partners through an acquisition that strengthens Constellation's digital service offerings for credit unions and community financial institutions. WalletFi's subscription management solution is now distributed via Constellation to its member credit unions. This is the most strategic commercial relationship disclosed on the WalletFi website.
- Plaid Technologies, Inc.coreWalletFi uses Plaid to gather customer data from financial institutions, including transaction history, balances, and account information. WalletFi does not store FI account login information. By using WalletFi's Service, users grant WalletFi and Plaid the right to access and transmit personal and financial information from the relevant financial institution, in accordance with Plaid's Privacy Policy.
Scale indicators4 records
Recent moves6 records
Expansion highlights4 records
WalletFi competitors and assessment
Company assessmentDirect peers
- MX Technologies: MX is a leading financial institution data platform providing transaction data aggregation, enrichment, analytics, and connectivity to banks, credit unions, and fintechs — directly overlapping with WalletFi's Transaction Enrichment API and Analytics Dashboard for FI customers.
- Akoya: Akoya provides secure, permissioned consumer financial data access to banks and fintechs through APIs, competing in the same data-connectivity layer that powers WalletFi's enrichment and white-label experiences.
- Finicity (Mastercard): Finicity provides financial data aggregation, transaction analytics, and consumer-permissioned data APIs to banks, lenders, and fintechs, directly comparable to WalletFi's enrichment API and FI analytics layer.
Broad incumbents
- Plaid: Plaid is the dominant financial data aggregation and connectivity platform on which WalletFi depends for raw transaction data, and Plaid's own expanding consumer-permissioned data and analytics offerings increasingly overlap with WalletFi's enrichment value proposition.
- FIS: FIS is a large FI software and processing incumbent that also participated in WalletFi's early funding via the FIS FinTech Accelerator; it competes broadly in digital banking and data services to FIs.
- Yodlee (Envestnet): Yodlee offers transaction data aggregation, enrichment, and PFM-style analytics to financial institutions, representing a broader incumbent alternative to WalletFi's niche subscription-intelligence focus.
- Jack Henry & Associates: Jack Henry provides core banking and digital banking platforms to community banks and credit unions — the same segment WalletFi targets — and increasingly bundles PFM and engagement features that compete with WalletFi's white-label app.
Emerging players
- Prism Data: Prism Data offers transaction categorization, subscription detection, and merchant intelligence APIs to FIs and fintechs, overlapping with WalletFi's recurring-subscription and credential-on-file merchant detection engine.
- Atomic Invest: Atomic provides financial data connectivity and embedded finance APIs, with overlapping capability in transaction enrichment and white-label consumer experiences for FIs and fintechs.
- Cleo: Cleo is a consumer-facing subscription management and budgeting app with B2B2C distribution into FIs — adjacent to WalletFi's white-label subscription management application from the consumer side.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
WalletFi social profiles
Digital presenceWalletFi compliance and trust
Trust signalCompliance2 records
WalletFi financial estimates
Financial estimateRevenue estimate
Valuation estimate
WalletFi leadership team
Management profileNumber of profiles
Profiles5 records
WalletFi funding detail
Funding detailFunding overview
Funding rounds5 records
Investors7 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
WalletFi M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about WalletFi
What does WalletFi do?
WalletFi is a Subscription Management Solution platform for community banks, credit unions, and fintechs. It enriches raw transaction data with recurring subscription and bill payment information via a Transaction Enrichment API, delivers a White-label Subscription Management Application for end customers to classify and manage recurring payments, and provides a Transaction Analytics Dashboard that surfaces transaction trends and decision-support analytics. The operating entity is StartStopMove, Inc. dba WalletFi, now part of Constellation Digital Partners.
Is WalletFi a public or private company?
WalletFi is a private company. It is classified as corporate owned and is currently acquired.
When was WalletFi founded?
WalletFi was founded in 2018. It employs 1 to 10 people.
Where is WalletFi based?
WalletFi is headquartered in Raleigh, United States, in the North America region.
How does WalletFi make money?
Two revenue lines are on record. B2B SaaS Subscription (implied) is the primary driver. The others are white-Label / OEM Licensing.
Who are WalletFi's main competitors?
Direct peers on record are MX Technologies, Akoya and Finicity (Mastercard). Broad incumbents are Plaid, FIS, Yodlee (Envestnet) and Jack Henry & Associates. Emerging players are Prism Data, Atomic Invest and Cleo.
Does WalletFi have an API?
Yes. WalletFi offers a transaction enrichment API that distills raw transaction data into actionable insights. The API enriches transactions with recurring subscription and bill payment data, identifying forgotten subscription free trials, ballooning bill payments, and credential-on-file merchants (Amazon, Instacart, Uber, etc.). The service is accessed directly or indirectly via a third party financial institution's website or a digital or mobile application/platform.
What industry is WalletFi in?
WalletFi's product category is Subscription Management Software. Its primary akta.pro industry code is FSAMAEAI, Digital Wallet Infrastructure (Tokenization, Wallet-as-a-Service), with a secondary code of FSAGAAAD, Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value). Its NAICS code is 522320 and its SIC code is 6199.