Column

Column is a US chartered bank, Column N.A., that gives developers banking infrastructure for payment products, accounts and card programmes. It was founded in 2019 and is based in San Francisco.

Infrastructure and APIs

Column lists banking APIs, accounts, card issuing, issuer processing and payments. It states direct programmatic access to Fedwire, ACH and FedNow without intermediaries, with Same-Day ACH, programmable ACH and virtual accounts among its key products. Other payment channels named are SWIFT, and card issuing runs on the Visa and Mastercard networks.

Stablecoins

Column has an official stablecoin product that supports USDC and USDT conversion linked to bank accounts and to B2B payment and card APIs.

Clients and pricing

The target segments are fintech companies, banks and financial institutions, businesses, PSPs, payroll platforms, crypto ramps and neobanks. The commercial model is described as infrastructure-usage or enterprise pricing. Programme terms and fintech onboarding are handled separately from opening an ordinary account.

Deposit protection

Column states FDIC membership for eligible bank deposits only, and not for every product.