CashBack Corporation

What CashBack Corporation does

CashBack Corporation operates under the Roxxy brand as an AI-powered financial platform that combines personal banking, business banking, payments, and an AI-driven financial assistant into a single mobile and desktop experience. The product surface spans consumer offerings (Individual, Joint, and Freelancer banking accounts, a connected debit card, Send & Receive/Instant Pay transfers, and Money Management tools) and business offerings (Business Banking, invoicing, in-person payments, online payments, point-of-sale, and merchant services). Industry-specific go-to-market paths target eCommerce & Retail, Professional Services, SaaS/Technology/AI, Real Estate & Construction, Healthcare Services, Venture & FI, and Law Firms.

The core technology is a conversational AI companion ("Roxxy Assist") fronting a unified financial data layer that links checking accounts, debit transactions, invoices, and POS activity. Supporting AI features include "Clarity Boost" for pre-spending decision support, autonomous multi-step agent workflows (cash flow reconciliation, supplier/payroll reminders, savings targets), and a developer-facing platform layer — "Roxxy Connect" — exposing Banking-as-a-Service, APIs, and Model Context Protocol (MCP) integrations. The platform emphasizes user data ownership as a positioning pillar.

Revenue is generated through a mix of recurring subscription, transaction fees on payments and transfers, and licensing/royalties from Banking-as-a-Service partners. Distribution is hybrid: mobile-first self-serve onboarding via iOS and Android apps for consumers and SMBs, paired with a dedicated business-account-opening flow and field sales motion for enterprise and mid-market customers across targeted verticals. The company is privately held, domiciled in Florida (Fort Lauderdale headquarters), reports an 11-50 employee headcount range, and claims a base of 80,000+ users. No funding rounds, revenue figures, or leadership roster are disclosed in the available data.

Name

CashBack Corporation

Legal name

Roxxy

Website

https://cashbackcorp.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

CashBack Corporation, operating as Roxxy, is a Florida-based fintech that offers an AI-powered financial platform combining personal and business banking, payments, invoicing, and Banking-as-a-Service for consumers, freelancers, SMBs, and industry-specific mid-market customers.

Ownership category

akta.pro rank

Product category

Digital Banking

NAICS

Depository Credit Intermediation (5221), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value) (FSAGAAAD)

akta.pro secondary industries

Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Invoicing, Billing & Accounts Receivable Automation (FSAGAJAC), Treasury, Cash Management & Liquidity (SME) (FSAGAJAG), Transaction Analytics & Cash-Flow Insights (risk signals, forecasting) (FSAGACAG)

Keywords

• Digital banking platform
• AI financial assistant
• Payment processing services
• Banking as a service
• Merchant services solutions

Headquarters

HQ city

Bluffton

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Personal Banking Services: Individual and joint banking accounts with debit cards, money movement, and financial management tools
2. Business Banking: Business accounts with banking, invoicing, payment processing for various industries
3. Payment Processing: In-person, online, and point-of-sale payment acceptance with merchant services
4. Banking as a Service: White-label embedding of banking infrastructure for platform partners

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

CashBack Corporation (operating as Roxxy) delivers an AI-powered financial platform that combines personal banking accounts (Individual, Joint, Freelancers), business banking with invoicing and merchant payment acceptance (online, in-person, POS), and a Banking as a Service offering (Roxxy Connect) that allows third-party platforms to embed banking functionality via APIs and MCPs.

Product overview

Roxxy is a unified AI-powered financial platform combining lifestyle and business services. The core offering centers on Roxxy, an AI companion that integrates natural language processing for conversational financial management. The platform includes personal banking products (Individual, Joint, Freelancers), spending tools (Debit Card, Send & Receive, Instant Pay), and lifestyle AI features (Roxxy Assist, Clarity, Clarity Boost, Money Management). For businesses, Roxxy offers Business Banking, Invoicing, In-person Payments, Online Payments, Point of Sale, and Merchant Services. The platform layer includes Roxxy Connect (Integrations and Banking as a Service), developer tools (APIs and MCPs), and Analytics. Services are accessible via mobile app (iOS/Android) and desktop experience, with the platform serving both individual consumers and businesses across industries including eCommerce, Professional Services, SaaS, Real Estate, Healthcare, and Law Firms.

Differentiator

Problem solved

Functional benefit

Products and services

• Individual Banking Personal banking accounts for individual users, including checking, debit card access, money movement, and AI-powered money management tools.
• Joint Banking Shared banking account for couples or partners with separate tracking of shared versus individual expenses and clear control over joint finances.
• Freelancers Banking Banking product designed for freelance and self-employed professionals, including brand partnership income tracking, subscription management, and expense categorization.
• Roxxy Debit Card Physical debit card tied to the user's full financial picture, providing spending visibility and access to Instant Pay transfers.
• Send and Receive Money transfer service allowing users to send and receive funds quickly through the Roxxy platform with instant transfer functionality.
• Business Banking Business banking offering including burn rate tracking, runway monitoring, vendor payment management, cash flow visibility, and AI-driven financial insights for SMBs.
• Invoicing Business invoicing service that lets businesses send invoices and receive payments, with Roxxy handling follow-through on outstanding invoices.
• In-person Payments In-person payment acceptance solution that lets merchants accept payments anywhere with funds consolidated into one central dashboard.
• Online Payments Digital payment acceptance solution for fast, secure online transactions on eCommerce websites and digital storefronts.
• Point of Sale Complete store management system integrating POS functionality with inventory and financial tracking for retail merchants.
• Merchant Services Payment management services enabling businesses to accept and manage various payment types from customers across channels.
• Banking as a Service Banking-as-a-Service offering under Roxxy Connect that enables businesses to embed banking functionality directly into their own products.
• APIs and MCPs Developer-facing infrastructure providing APIs and Model Context Protocol integrations for building financial applications on top of the Roxxy platform.
• Analytics Real-time financial insights dashboard providing users with visibility into financial data and spending trends across linked accounts.
• Roxxy Mobile App Native iOS and Android mobile application delivering the full Roxxy AI-powered financial companion experience on smartphones, available via App Store and Google Play.

Quantifiable outcome

• Trusted by over 80,000 users for life and business financial management

Named customers6 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability6 records

Feature5 records

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• NorthOne: Small business banking with industry-tailored accounts (similar vertical targeting as Roxxy), integrations, and payment tools.
• Found: Banking, bookkeeping, and tax tools for self-employed individuals and small businesses. Comparable freelancer/SMB banking positioning to Roxxy.
• Mercury: Digital business banking platform for startups and SMBs with sub-accounts, integrations, and API/treasury features. Direct overlap with Roxxy's Business Banking, Roxxy Connect, and developer-focused stack.
• Bluevine: SMB business banking combined with invoicing and working-capital lending. Comparable banking + payments + invoice automation stack to Roxxy.
• Current: Mobile-first neobank offering consumer and business banking with debit card, instant pay, invoicing, and tax tools. Closely matches Roxxy's PLG, multi-product positioning across personal and SMB banking.
• Lili: Banking and financial platform built specifically for freelancers and solo business owners. Strong overlap with Roxxy's Freelancers, Individual, and small-business banking offerings.
• Relay Financial: Business banking with multi-sub-account treasury, bill pay, and integrated accounting. Closely mirrors Roxxy's SMB cash management and multi-account architecture.
• Novo: Digital business banking platform targeting SMBs with invoicing, payments, and integrations. Direct SMB banking and invoicing overlap with Roxxy's Business Banking product.

Broad incumbents

• Stripe: Dominant payments platform with Banking-as-a-Service (Stripe Treasury, Issuing, Connect). Competes with Roxxy on payment processing, merchant services, and BaaS infrastructure.
• Chime: Large-scale consumer neobank with deposits, debit, and an emerging SMB/payments suite. Operates in the same digital banking space as Roxxy but at much greater scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 CashBack Corporation