01 · FOR CONSUMERS
A checking account that earns you back.
A modern US checking account with points and cash back on everyday spend, simple budgeting tools, bill pay, and pay-in-4 for rent where the rules allow.
Cash back
Budgeting
Pay-in-4 rent
POINTS·Regulated wrap on FDIC-partnered banks · early access live
The platform
Three audiences. One regulated ledger.
POINTS ships as a regulated wrap on FDIC-insured partner banks and BaaS rails, so the launch footprint stays capital-light while the deposit franchise is assembled correctly from day one. The same ledger backs an everyday consumer checking account, a growing business, and an AI agent that needs its own balance.
Shared infrastructure
One balance. Every closed network.
Consumers, businesses, and AI agents all sit on the same routing layer. From one balance you can send to Venmo, Zelle, Cash App, ACH, and bill pay — and where the rules allow, send a remittance through licensed corridors.
Venmo
Zelle
Cash App
ACH
Remittance
Trust
Built on regulated rails. Audited at every layer.
Every dollar is held by an FDIC-insured partner bank under proper sponsorship. Everything that touches money is built the boring way, on purpose.
- Deposit accountsHeld at FDIC-insured partner banks under properly de-risked sponsorship; pass-through insurance up to applicable limits.
- Sponsor reviewEvery human and corporate sponsor passes KYB/KYC before any agent identity is minted.
- AI agent onboardingVerifiable in-app identity, capped issuance, and continuous ledger reconciliation against regulated rails.
- P2P routingNative integrations with Venmo, Zelle, Cash App, and ACH — balances reconciled across closed networks.
- RemittanceLive only in corridors where licensed partners and competitive FX make it feasible; corridor list disclosed.
- Pay-in-4 for rentAvailable only where the current CFPB regime permits; charges, repayment, and disclosures printed on every statement.
- Working capitalOnline underwriting with disclosed APR, total cost of capital, and repayment schedule; no compounding surprises.
- Human handoffEvery agent action traces to a sponsor; outages, blocked counterparties, and AML flags escalate to a human automatically.
Early access
Talk to us.
Consumers: open an account here → /signup. Businesses and agent platforms: drop your email above (For businesses / For AI agents) or write to [email protected] and we will route your request to the right queue.
POINTS is built by Polsia under a regulated wrap on vetted bank partners and BaaS rails. We respond to every inbound.
Direct lines
- Consumers
- apply directly at /signup
- Businesses
- waitlist above or by email
- Agent platforms
- waitlist above or by email
- BaaS partners
- sponsorship, corridor expansion