Birdie

What Birdie does

Birdie is a Los Angeles-based financial technology company that operates a dual-sided business: a consumer-facing mobile app (iOS and Android) for peer-to-peer cash gifting and personal cash registries, and a white-label cash registry infrastructure layer embedded into partner platforms. The technology enables users to send cash gifts of up to $2,000 via text or email to recipients who do not need a Birdie account, with funds held and transferred by i3 Bank (FDIC-insured up to $3,000,000) and bank verification handled through Plaid. The white-label product is embedded natively into major consumer platforms across weddings (Minted, Loverly, Bliss & Bone), parenting (BabyCenter), real estate (Opendoor), and digital greeting cards (American Greetings), positioning Birdie at multiple high-value consumer spending moments.

Birdie monetizes through a $5 flat platform fee per gift sent, a 2.5% debit card or 3.0% credit card processing fee (with no additional fee for ACH bank transfers), and likely revenue-share or licensing arrangements on its enterprise white-label deployments. The company reports tens of thousands of wedding couples served through its Minted integration and cites a market backdrop in which 87% of couples in 2024 created cash registries versus only 5% in 2016, with $40 billion in cash gifted annually in the United States. The platform restricts services to US residents and is led by co-founders Candace Ravan (CEO) and Andrew Ravan (COO), with a stated team size of 1-10 employees.

The company's core strategic posture is a platform expansion play: moving sequentially from weddings into adjacent life-stage verticals through embedded enterprise partnerships rather than direct consumer acquisition alone. Banking and compliance infrastructure is delivered through partnerships with i3 Bank, TransPecos Banks, Plaid, and Unit, allowing a small team to operate a regulated fintech product. No institutional funding rounds, revenue figures, or headcount growth disclosures are present in the available data, leaving financial scale unverified.

Name

Birdie

Legal name

Birdie, LLC

Website

https://sendbirdie.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Birdie is a Los Angeles fintech operating a consumer cash gifting app and a white-label cash registry infrastructure embedded into partner platforms (Minted, BabyCenter, Opendoor, American Greetings) for weddings, parenting, homebuying, and digital greeting cards in the US.

Ownership category

akta.pro rank

Product category

Digital Payments & Cash Gifting

akta.pro industry

PRIMARYFSAGALAB

Embedded Payments (Pay-ins, Pay-outs, Wallets)

Financial & Insurance/Financial Technology (Fintech)/Embedded Finance & Banking-as-a-Service (BaaS)

SECONDARYMPAEALAE

Prepaid, Gift Cards & Voucher-Based Payments

Media, Entertainment & Sports/Gambling, Betting & Casinos/Payment Processing & Financial Services for Gaming

Keywords

• Cash gifting platform
• Peer-to-peer payments
• Digital gift registry
• Embedded fintech APIs
• White-label payments

Headquarters

HQ city

Los Angeles

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Platform Fees: Birdie charges a flat $5.00 platform fee on each gift sent. This is the primary revenue stream for direct consumer transactions.
2. Payment Processing Fees: Additional fees charged on credit card (3.0%) and debit card (2.5%) transactions. Bank transfers (ACH) incur no additional fees beyond the platform fee.
3. White-Label Licensing: Birdie provides turnkey white-label solutions and enterprise-grade APIs to partners (BabyCenter, Opendoor, Loverly, Bliss & Bone, Minted, American Greetings) who embed cash gifting into their platforms, likely with revenue sharing or licensing arrangements.

Pricing tiers

Go-to-market motion3 records

Distribution channels8 records

Marketing channels3 records

Core offering

Birdie provides a digital cash gifting platform that lets consumers send monetary gifts to anyone via text or email and create cash registries for life milestones such as weddings, babies, and home buying. The company also offers white-label cash registry infrastructure and APIs that partners (BabyCenter, Opendoor, Loverly, Bliss & Bone, Minted, American Greetings) embed natively into their own platforms, with funds held in FDIC-insured accounts at i3 Bank up to $3,000,000.

Product overview

Birdie is a financial technology company offering a dual product strategy: (1) a consumer-facing Birdie Mobile App for peer-to-peer cash gifting and personal cash registries, and (2) White-Label Cash Registry Solutions providing turnkey APIs and infrastructure for enterprise partners to embed cash gifting into their platforms. The White-Label Solutions power integrations with partners including BabyCenter, Opendoor, Loverly, Bliss & Bone, Minted, and American Greetings, while the consumer app enables direct cash gift sending/receiving and cash registries.

Differentiator

Problem solved

Functional benefit

Products and services

• Birdie Mobile App Consumer-facing iOS and Android mobile application that lets users send cash gifts to anyone via text or email, even if the recipient is not on Birdie. Recipients can claim gifts and transfer funds to their bank account free of charge.
• Cash Registries Digital cash registry feature that lets users set up a personalized registry for any occasion or goal, share a custom URL, and receive cash gifts transferred to their bank account with no fees deducted from the recipient.
• White-Label Cash Registry Solutions

Quantifiable outcome

• 87% of couples created cash registries in 2024 vs only 5% in 2016
• +4 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

Ten partnerships are on record, tiered core.

• BabyCentercoreStrategic or Co-development Partner · 29 October 2025Birdie partnered with BabyCenter, the #1 digital destination for pregnancy and parenting in the US, to launch a cash funds experience. The partnership enables expecting parents to receive financial support for costs of growing a family (babymoons, diapers, childcare, college savings) directly within BabyCenter's platform. Custom co-branded funds allow brand partners to support families while building brand affinity.
• OpendoorcoreStrategic or Co-development Partner · 15 October 2025Birdie and Opendoor launched the first cash registry designed specifically for homeownership, allowing home buyers to register for cash gifts from friends and family to cover down payments, insurance, moving expenses, and renovations. The gifting experience is embedded directly into the Opendoor platform, representing a new use case for the registry model beyond weddings and baby showers.
• LoverlycoreStrategic or Co-development Partner · 30 July 2025Birdie partnered with Loverly, the all-in-one wedding planning and management platform, to integrate cash registries into their suite of wedding tools. Couples can now set up cash registries alongside inspiration galleries, guest list management, budgeting tools, and vendor management for a cohesive planning experience.
• Bliss & BonecoreStrategic or Co-development Partner · 17 April 2025Since partnering in late 2023, Birdie and Bliss & Bone have integrated seamless cash registry functionality into Bliss & Bone's design-forward wedding websites and invitations. The integration enables couples to add custom cash funds to wedding websites, providing guests with an easy way to contribute. Partnership has increased Bliss & Bone's conversion rates across all marketing channels.
• MintedcoreStrategic or Co-development Partner · 19 March 2025Birdie integrated its cash registry technology directly into Minted's free wedding websites, providing modern couples a seamless way to incorporate cash gifting. Since launch, Birdie and Minted Weddings have helped tens of thousands of wedding couples host their wedding registry. Partnership reflects the growing demand where 87% of couples registered for cash gifts in 2024.
• American GreetingscoreStrategic or Co-development Partner · 21 February 2025Birdie partnered with American Greetings to bring digital cash gifting to their ecards. Users can now attach a cash gift directly to digital greeting cards for birthdays, weddings, holidays and more, sent instantly via text or email. This marked Birdie's expansion into the digital greeting card space.
• i3 BankcoreOthersBanking services provided by i3 Bank, Member FDIC. Deposits are FDIC-insured through i3 Bank. Birdie does not hold or move customer funds directly; funds are held and transferred by i3 Bank. Maximum FDIC coverage up to $3,000,000.
• PlaidcoreTechnology or IntegrationBirdie uses Plaid for bank account verification and to collect information about identity and fund availability when linking bank accounts to Birdie accounts.
• TransPecos Banks (TransPecos)coreOthersFunds are held at TransPecos Banks, SSB, Member FDIC for FDIC insurance purposes. TransPecos processes EFT transactions on behalf of Birdie.
• UnitcoreTechnology or IntegrationBirdie partnered with Unit, a financial services software company, to offer digital bank account services. Unit provides the infrastructure for Unit User Accounts, with deposits held at Unit's financial institution partners.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Honeyfund: Cash wedding registry platform that pioneered cash funds for honeymoons and home down payments. The most direct competitor to Birdie's wedding registry use case and a clear head-to-head rival for partner platforms.
• Zola: All-in-one wedding planning and registry platform that added cash funds to its offering. Directly competes with Birdie for embedded cash gifting inside wedding websites, overlapping with Minted and Loverly integrations.
• WithJoy: Wedding website and planning platform offering cash funds and registries. Direct comparable for cash registry UX embedded in wedding websites, similar to Birdie's Minted and Loverly integrations.
• Giftbit: Digital gift card and rewards platform enabling businesses to send monetary gifts. Comparable business model for monetized digital gifting flows, especially for B2B/white-label use cases similar to Birdie's API offering.
• Tremendous: Digital payouts and gifting infrastructure for businesses to send money globally. Overlaps with Birdie's enterprise white-label gifting and embedded payment infrastructure.

Broad incumbents

• The Knot Worldwide (The Knot / WeddingWire): Largest US wedding marketplace including WeddingWire, with registries and planning tools. A broad incumbent in wedding gifting that could launch or partner on cash registry features, competing with Birdie's wedding partners.
• Venmo: Dominant US peer-to-peer payments app. Competes with Birdie's direct-to-consumer P2P cash gifting, especially for casual gifting moments where Venmo is already the default.
• Cash App: Block-owned P2P payments app with broad consumer adoption. Provides an alternative rails-and-app path for cash gifting and could expand gifting-specific features that compete with Birdie's consumer app.

Others

• Unit: Embedded banking infrastructure provider and Birdie's banking-as-a-service partner. Adjacent infrastructure enabler, relevant for comparing embedded finance economics rather than direct end-customer competition.
• Plaid: Bank account verification and connectivity provider and Birdie's integration partner. Ecosystem enabler rather than competitor, but central to Birdie's risk and onboarding stack.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/sendbirdie

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Birdie