Nuuvia

What Nuuvia does

Nuuvia (formerly Incent) is a B2B SaaS provider of a white-label and co-branded youth banking platform sold to community banks and credit unions in the United States. The company's core product is a mobile-first platform composed of six interconnected modules — Learn (gamified financial literacy), Earn (cash for chores/grades, allowances, A2A transfers), Spend (parental debit card controls), Save (goal tracking), Give (charitable donations), and Borrow (parental loan simulation) — designed for end users aged roughly 5 to 18. The platform is delivered to financial institutions as an embedded experience under their own brand, integrating with the FI's existing core and digital banking infrastructure rather than replacing it, so that the FI retains ownership of accounts, deposits, card revenue, data, and member relationships.

Nuuvia monetizes via enterprise SaaS subscriptions on an annual billing cadence, with quote-based pricing tied to institution size and deployment requirements (no public list price). Go-to-market combines direct enterprise field sales targeting senior executives at community FIs, channel partnerships (notably Alkami Elements Partner Program), and community-led growth through credit union ecosystems and school-based programs. An exclusive content partnership with Biz Kid$ (Emmy award-winning PBS financial literacy program) provides differentiated educational material. Named clients include High Point Federal Credit Union, Desert Financial Credit Union, and United Financial Credit Union, among dozens of community FIs across the U.S.

The company was founded in 2018, rebranded from Incent to Nuuvia in July 2025 to signal a shift from youth-only to lifecycle engagement, closed a $4 million strategic investment in December 2025 from Desert Financial Credit Union and VyStar Credit Union, and operates with a 1-10 person team from Portland, Oregon. Leadership includes Richard Logan (Founder & CEO) and Marcell King (President & COO). No revenue, ARR, or valuation has been disclosed.

Name

Nuuvia

Legal name

Nuuvia LLC

Website

https://nuuvia.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Nuuvia provides a white-label, mobile-first youth banking platform with six modules (Learn, Earn, Spend, Save, Give, Borrow) to U.S. community banks and credit unions via enterprise SaaS subscriptions, enabling them to engage Gen Z and Gen Alpha members while retaining deposits, card revenue, data, and relationships in-house.

Ownership category

akta.pro rank

Product category

Youth Banking Software

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182), Educational Support Services (611710)

SIC

Finance Services (6199), Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Digital Banking & Neobank Platforms (BPAMAFAD)

akta.pro secondary industries

Youth/Student Neobanks (FSABAFAD), Neobank Core Platform (Retail/SME Digital Bank) (FSAGAAAA), Youth / Family Wallets & Allowance Payments (FSAMAEAK), Customer Experience & Engagement (CRM, Support, Rewards, Loyalty) (FSAGAAAM), Student & Youth Banking (FSABAAAH)

Keywords

• Youth banking platform
• Financial literacy software
• Community banking technology
• White-label banking platform
• Family financial education

Headquarters

HQ city

Wichita

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Platform Subscription/SaaS: B2B SaaS platform fees charged to community banks and credit unions for access to youth banking platform with white-label or co-branded deployment. Financial institutions pay for the platform to enable youth banking programs under their brand.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Nuuvia provides a mobile-first, white-label youth banking platform for community banks and credit unions that enables them to offer branded digital banking experiences to children and teens aged 5-18. The platform is built around six modules (Learn, Earn, Spend, Save, Give, Borrow) covering financial literacy, chore/grade-based earning, parental spending controls, savings goals, charitable giving, and parental loan simulation. The platform integrates with existing core and digital banking infrastructure, allowing financial institutions to retain deposits, card revenue, data, and member relationships in-house while competing with youth-focused fintech apps.

Product overview

Nuuvia is a unified youth banking platform with a modular architecture comprising six interconnected modules—Learn, Earn, Spend, Save, Give, and Borrow—that work together to provide a comprehensive digital banking experience for children and teenagers. The platform is delivered as a co-branded or white-labeled service that integrates with community banks' and credit unions' existing digital banking infrastructure, enabling financial institutions to engage families from a child's first savings account through financial independence while retaining all deposits, card revenue, data, and member relationships in-house.

Differentiator

Problem solved

Functional benefit

Products and services

• Nuuvia Youth Banking Platform A mobile-first, white-label youth banking platform for community banks and credit unions that enables financial institutions to engage Gen Z and Gen Alpha with gamified financial education, real-world money management tools, parental controls, and co-branded digital banking experiences from childhood through adulthood. Integrates with the institution's existing core and digital banking infrastructure to keep deposits, card revenue, data, and member relationships in-house.

Quantifiable outcome

• 32% increase in youth accounts opened
• +6 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Alkami TechnologycoreTechnology or Integration · 1 June 2026Nuuvia joined the Alkami Elements Partner Program, enabling integration with Alkami's digital banking platform and expanding market reach to Alkami's community bank and credit union客户基础.
• Biz Kid$coreStrategic or Co-development Partner · 23 April 2026Partnership with Biz Kid$, a national financial literacy program based on the Emmy award-winning PBS series, to embed educational content into Nuuvia's youth banking solutions. The collaboration aims to help financial institutions attract and retain Gen Z and Gen Alpha customers through gamified, engaging financial education content combined with real-world money management tools. Biz Kid$ has reached over 80 million students and parents.
• Michigan Credit Union FoundationminorGTM or Marketing Partner · 4 February 2026Michigan Credit Union Foundation provided grant funding to United Financial Credit Union to support the launch of SmartStart youth banking program powered by Nuuvia. The grant supports innovative programs that promote financial education and community enrichment.

Scale indicators12 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Greenlight: Direct-to-consumer youth and family banking app with parental controls, chore/allowance, and financial education. Most-funded competitor in the youth banking space; recently launched Greenlight for Banks to enter the FI white-label market Nuuvia currently serves.
• Step: Mobile banking platform targeting teens and young adults with early access, credit building, and savings features. Direct competitor for the same Gen Z end user Nuuvia's platform serves inside community FIs.
• Copper Banking: Teen-focused banking and debit card app with financial literacy content. Competes for the same teen demographic and is expanding into bank partnerships, putting it in direct overlap with Nuuvia's FI channel.
• Current: Mobile-first neobank offering teen and youth accounts with parental controls and early direct deposit. Overlaps Nuuvia on product surface area for the same end-user demographic.
• Till Financial: Youth-focused debit card and banking app with parental oversight and financial education. Closely aligned product set targeting the same Gen Alpha/Gen Z end users and increasingly pursuing FI distribution.
• BusyKid: Allowance, chore, and financial literacy platform for kids and teens that integrates with prepaid debit cards. Direct overlap with Nuuvia's Earn and Spend modules and the same parent/youth persona.

Emerging players

• GoHenry: UK-based youth prepaid card and financial education app that has expanded into the US market. Similar product surface (allowance, chores, financial literacy) targeting the same youth/parent demographic.
• MobiloCard: Digital business card and contact-sharing platform with financial education features. Adjacent in the youth financial literacy space but more focused on networking than core banking.

Broad incumbents

• Alkami Technology: Leading digital banking platform provider for US community banks and credit unions. Nuuvia is integrated into Alkami via the Elements Partner Program, making Alkami both a distribution partner and a potential broad incumbent whose roadmap could overlap or compete with Nuuvia's offering.
• FIS / Jack Henry: Large core banking and digital banking platform providers serving the same community FI customer base. Could choose to build or acquire youth banking capabilities that compete directly with Nuuvia's white-label offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/incent-net
• Xx.com/Incent32219282

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds3 records

Investors4 records

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 Nuuvia