United States
activeFeaturedNeobank
- HQ
- San Francisco
- Fee
- Free
Daylight
US LGBTQ-focused neobank. Shut the lights.
Closed 2024-11
Rate this app
5.0Caution
AlternativesOur take
Desk verdict
Community is not a charter. Partner-bank maths still win.
Daylight was a US neobank for LGBTQ customers. It closed when the partner-bank economics did not work. Chime-scale distribution was never the plan, and BaaS does not forgive that.
Daylight lists BaaS fintech under Partner bank in United States. On safeguarding we currently write: Was FDIC via partner — gone with the programme. An AML programme is claimed. There is no IBAN-class local rail on the flags we store. We list 1 live markets on the product. As we score the sticker: monthly Was monthly; FX —; ATM —. This desk would open it for: Graveyard — niche BaaS cautionary.
What it does well: Clear community thesis. What to watch: Closed. Desk score 5.0 / 10 (safety 5.0, fees 5.0, features 6.0, app 7.0). Last verified 2026-08-01. Headquartered in New York, United States; founded 2019. None of this is advice — it is a file so you can read the entity before the card colour.
Best for: Graveyard — niche BaaS cautionary.
Closed 2024-11
Shut down after failing to find a sustainable partner-bank path.
Pros
- +Clear community thesis
Cons
- −Closed
How it actually works
- Custody
- Insured bank deposit
- Local rails
- ACH / USD
- Built for
- Personal
- Settlement
- App-ledger instant; bank rails per corridor
- Review risk
- Closed — no new customers
- Pay surface
- visa · physical · virtual · Apple Pay · Google Pay
Safety
Was FDIC via partner — gone with the programme
- Partner bankBaaS fintech · United States
Fees
- Monthly
- Was monthly
- FX markup
- —
- ATM
- —
Features
- –IBAN
- –Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- Debit
- Community positioning
Score
- Safety25%
- 5.0
- Fees20%
- 5.0
- Features15%
- 6.0
- App15%
- 7.0
- Global15%
- 2.0
- Support10%
- 5.0
Change log
Full logNo dated notes yet. When the licence, fees, or status moves, it lands here.
Available in
FAQ
Is Daylight a bank?+–
Daylight is not a licensed deposit-taker in the classic sense. Treat the balance as a fintech ledger until you confirm the holder.
How is money protected?+–
Was FDIC via partner — gone with the programme
Where is Daylight available?+–
We list 1 market desk on the desk. Residency and onboarding rules still sit with Daylight.
Card and wallets?+–
visa · physical · virtual · Apple Pay · Google Pay
Ratings and reviews
No published user reviews yet. The desk score still comes from licence, fees, and the product — not from a empty star average.
Alternatives
Full alternatives page
activeFeaturedNeobankBroker
- HQ
- San Francisco
- Fee
- Free Checking & Savings
activeHalal bankingNeobank
- HQ
- London
- Fee
- Freemium / subscription SKUs — confirm live