Ten years ago, Stuart Sopp and Trevor Marshall founded Current to make banking services accessible and affordable to all Americans, especially those traditional banks were not properly serving.

How it's done: Their proprietary banking core enables seamless integration of new features, faster product iteration and better margins than others in the digital banking space can provide. This has elevated Current above competitors and has been a key driver of the fintech's rapid growth.

Current's now decade-long commitment to building a unique banking platform is driving powerful growth, proving that investing in core banking technology can create not only differentiation in the industry but a growth flywheel that continues to accelerate.

Building its own proprietary banking core means Current can launch unique products faster, provide increased customer value and produce industry-leading innovation rooted in a clear long-term vision.

The benefits: Current is able to give all Americans access to spending accounts without many of the mandatory fees charged by traditional banks by, with benefits for eligible consumers that include:

• No overdraft and minimum balance fees.
• Providing early access to paychecks.
• Cushion of fee-free overdraft protection.
• Safe ways to build credit history.

All products on Current are designed to work together, and the proprietary technology allows the seamless integration of its banking, liquidity and credit services. The unmatched customer value provided as a result is a large part of why Current has seen a surge in growth and led the fintech industry in product and technology innovation.

Why it's important: A large portion of Americans don't fit into the traditional banking business model, leaving those who live paycheck to paycheck at a disadvantage. Current knew they could make a change.

• A PNC survey found that 67% of American workers report living paycheck to paycheck in 2025, an increase from the previous year.

Key numbers: Current's customer-focused strategy is paying off. The company reports over 70% revenue growth year-over-year, with momentum to continue this pace for years to come and now has over six million members on its platform.

• This growth is fueled by a platform purpose-built for product velocity, enabling the fintech to respond quickly to evolving customer needs, continuously add more value for its customers and stay ahead in a competitive field.

"This is a super competitive landscape with highly competent competition, and we feel like we're leading the innovation cycle, so we invest on improving and developing existing products," says Sopp, CEO and co-founder.

Current stands out from other fintechs in a few ways:

• A proprietary banking core technology: Gives customers better access to features and experiences on the platform as all products are seamlessly integrated to work together while maintaining highest levels of security.
• Some of the highest liquidity amounts in the industry: Current's earned wage access product, Paycheck Advance, offers customers access to a portion of their paychecks —up to $750 —before their scheduled paydays, without any mandatory fees.
• Current's Build Card: A secured charge card helping members build credit history with a single balance to view and manage on Current's platform. As members spend on the Build Card, money is set aside from their available spending balance to cover the outstanding Build Card balance. Members can set their payments to autopay, and their on-time payments are then reported to the three major credit bureaus. Members have increased their credit scores by an average of 81 points within the first six months of using the Build card.*
• Offering accessible and distinctive features: With early access to paychecks, paycheck advances without mandatory fees, fee-free overdraft protection without required monthly fees, minimum balance requirements or overdraft fees, Current removes typical barriers present in traditional banks. Additionally, the accessibility to buy/sell crypto without trading fees and the access to spending accounts for everyone, including custodial accounts is unique.

Looking ahead: Current isn't slowing down now — in fact, it's rolling out three new products to enhance the platform: Current Max, Pay Anyone and fee-free overdraft on the Build Card.

• Sopp explains these were developed in direct response to customer feedback gathered by the member experience team — to provide greater value for customers facing the rising costs of essentials like food and healthcare.

Current Max is a new monthly subscription option giving eligible members who deposit their paychecks at Current 6% savings boosts, 3x points per dollar spent on dining and groceries on the Build Card, and premium support and customizable wellness benefits providing up to $40 in value for $10 per month. This is an increase from Current's already industry-leading savings boosts of up to 4%.

• Current Max elevates customer experience with the most value, including faster solutions from qualified agents and a larger range of benefits. Customers don't need to deposit their paychecks on Current to access Current Max, as everyone on Current can receive additional value, including premium support and the wellness benefits.

Pay Anyone is a new payment feature letting members send money instantly to anyone with a phone number — extending payments beyond Current users.

• "There was a large request from our customers saying, 'I'd like to pay people not just on Current.' Pay Anyone means that you can now type in any phone number and pay any friend," says Sopp.

Fee-free overdraft on the Build Card means eligible members can now access fee-free overdraft on their credit transactions — giving more flexibility and spending control. "Many of our customers are paycheck to paycheck, and a lot of them stay around zero between paychecks," says Sopp.

• Now, when eligible customers are near zero, they can use the Build Card rather than having to switch to the debit card for small purchases without having to worry about a purchase being declined if their spending balance is low.

"Banks don't have the right infrastructure; it's a fundamental problem," says Sopp. "Our product suite and service is something customers aren't getting anywhere else."

The takeaway: Current has built a platform and product flywheel driving rapid growth and innovation. By betting on differentiated technology, accessibility and customer-driven design, Current is setting the industry standard, and the pace is only picking up.

Explore Current.

*https://current.com/build-card-credit-score-improvement/