Rhythmic

What Rhythmic does

Rhythmic is a New York-based, venture-backed fintech startup that operates an embedded financial infrastructure platform for consumer-facing brands. The company provides a white-label, fully managed stack — built on stablecoin rails for funds transfer and settlement — that allows mid-to-large consumer brands to launch their own branded financial products, including stored value accounts, co-branded Visa debit cards, cash back, and behavior-driven rewards programs, directly inside their existing brand ecosystems. Under the model, Rhythmic operates the financial infrastructure while the brand partner owns the customer relationship and front-end experience; the company explicitly positions its offering against reference points such as Starbucks Rewards and Walmart's OnePay. The platform is delivered as the brand's own product rather than as a standalone Rhythmic consumer app.

Rhythmic's revenue model draws on two streams: interchange and transaction fees generated by branded card spend and stored value account usage (analogous to traditional co-brand card economics), and managed services or platform fees charged to brand partners for embedded financial infrastructure. Pricing is not publicly disclosed; prospective brand partners are routed to a 'Talk to an expert' consultative sales flow on rhythmic.io, reflecting an enterprise sales-led go-to-market motion targeting mid-to-large consumer brands globally.

The company was founded by Aaron Marks (former American Express executive) and Joseph Hayes (former Mastercard executive), giving the team direct card-network and payments experience. As of February 2026 Rhythmic had raised a $4 million seed round led by Dragonfly (with HadickM co-leading and Mirana Ventures, The Fintech Fund, The Venture Department, and Gammite Ventures participating) — capital earmarked for core platform development, onboarding initial brand partners, and expanding engineering and compliance teams ahead of a planned mid-year 2026 launch. Note: a firmographic field lists the founding year as 2024, which conflicts with the company timeline and Fortune coverage both pointing to 2026; the 2026 date is treated as authoritative for this analysis.

Name

Rhythmic

Legal name

Rhythmic

Website

https://rhythmic.io

Company type

Private

Founded year

2026

Operating status

Operating

Headcount range

1–10 employees

Short description

Rhythmic is a New York-based fintech startup that provides consumer-facing brands with a white-label, stablecoin-powered financial infrastructure platform for launching branded stored value accounts, co-branded Visa cards, cash back, and rewards programs.

Ownership category

akta.pro rank

Product category

Embedded Finance Infrastructure

NAICS

Funds, Trusts, and Other Financial Vehicles (525)

SIC

Finance Services (6199), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Cross-Border B2B2C Payouts (Mass Payouts, Gig/Creator, Marketplace) (FSAGAKAC)

akta.pro secondary industry

Cash-to-Digital Networks (PayNearMe, Barcode/Cash-in) (MPAEALAF)

Keywords

• Embedded finance platform
• Stablecoin infrastructure
• White-label card issuance
• Stored value accounts
• Behavior-driven rewards

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Interchange and transaction fees: Revenue generated from transaction fees on branded card spend and stored value account usage, similar to traditional co-brand card economics
2. Platform/embedded finance fees: Fees charged to brand partners for embedded financial infrastructure including stored value accounts, rewards programs, and branded card issuance

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Rhythmic operates a B2B financial infrastructure platform that enables consumer-facing brands to embed stablecoin-powered financial products into their ecosystems. Its offerings include stored value accounts, co-branded Visa debit cards, cash back, and behavior-driven rewards programs, delivered as a fully branded, managed, and operated white-label product. The company monetizes through interchange and transaction fees on branded card spend and stored value account usage, in addition to embedded finance service fees charged to brand partners.

Product overview

Rhythmic is a financial infrastructure platform that enables consumer internet companies and brands to embed stablecoin-powered financial products into their ecosystems. The platform operates as a white-label solution, delivering branded financial services including stored value accounts, co-branded Visa cards, cash back rewards, and behavior-driven loyalty programs. The offering is fully managed and operated by Rhythmic while being presented under the brand partner's identity, similar to successful loyalty programs like Starbucks or Walmart's OnePay.

Differentiator

Problem solved

Functional benefit

Products and services

• Stored Value Accounts White-label financial account product that allows end consumers to hold and store funds within partner brand ecosystems, positioned as the everyday home for their money.
• Co-Branded Visa Cards Co-branded Visa debit cards with partner brand styling that customers can use everywhere for purchases, enabling brands to extend their financial services reach under their own identity.
• Behavior-Driven Rewards Programs Behavior-driven rewards programs that grow with account balances and spending activity, designed to increase customer engagement and retention for brand partners and delivered under the partner brand's identity.
• Cash Back Rewards Cash back incentive tied to spending on the co-branded Visa card, returned to customers as a percentage of their transactions to drive ongoing engagement with the partner brand's financial product.

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators1 record

Recent moves4 records

Expansion highlights5 records

Emerging players

• Bridge (Stripe): Stablecoin API platform (acquired by Stripe) enabling businesses to move, store, and accept stablecoins. Comparable infrastructure-layer competitor on the stablecoin-payments thesis behind Rhythmic.
• Circle: USDC stablecoin issuer building programmable wallets and payment infrastructure for consumer and enterprise use cases. Closest direct comparison on the stablecoin-rails thesis that underpins Rhythmic's architecture.
• Paxos: Regulated blockchain infrastructure platform offering stablecoin issuance, custody, and settlement APIs. Comparable to Rhythmic in using regulated stablecoin rails to enable financial product delivery, with deeper regulatory positioning.

Direct peers

• Unit: B2B banking-as-a-service platform that enables companies to embed financial accounts, card issuing, and lending. Closely comparable to Rhythmic's white-label stored value and card offering for consumer brands.
• Treasury Prime: Banking-as-a-service infrastructure connecting fintechs and brands to bank partners for accounts, card issuing, and payments. Comparable in the embedded finance and white-label model Rhythmic is targeting.
• Marqeta: Public card-issuing platform that powers co-branded and branded cards for consumer brands. Directly comparable to Rhythmic's co-branded Visa card and stored value offering, and the dominant incumbent Rhythmic must displace in the brand-embedded finance space.
• Synctera: End-to-end BaaS platform pairing fintechs and brands with sponsor banks for account, card, and payment products. Direct competitor in the consumer-brand-embedded-finance category Rhythmic targets.
• Lithic: Card-issuing API platform used by fintechs and brands to launch debit, credit, and stored-value card programs. Competes head-to-head with Rhythmic on co-branded card issuance for consumer-facing brands.

Broad incumbents

• Stripe Issuing: Issuing product within Stripe's broader payments platform, enabling brands and platforms to create and manage card programs. Comparable to Rhythmic's card-issuance and embedded finance offering, with the advantage of Stripe's distribution scale.
• Plaid: Dominant financial data connectivity and account-linking platform used by consumer apps and brands to integrate financial services. Adjacent incumbent in the embedded finance stack Rhythmic is building on top of.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

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 Rhythmic