Money’s New Operating System

Binji, the California-based startup offering “the most complete personal finance solution to pay and get paid in today’s digital world,” is live.

Binji offers a digital display debit Mastercard which goes for $89 and connects to the Binji app via Bluetooth. The card allows users to consolidate up to 24 credit and debit cards to use as funding sources, becoming the only physical card a user will need for shopping in-store and online. The card’s digital display screen shows the current balance of a user’s Binji Account, the last four digits of the selected funding source, and a four character “nickname” for fast identification.

Binji Accounts are FDIC insured up to $250k and offer access to over 35,000 fee-free ATMs. Additional banking services include P2P payments, early access to paychecks, and direct deposit.

“We saw an opportunity to improve people’s lives by streamlining their finances through the convenience of offering app-based banking, card consolidation, and peer-to-peer payments on one platform. We’re offering consumers something that, until today, didn’t exist: With just a push of a button on the Binji Card’s user interface, consumers can now transfer funds from up to 24 different debit or credit cards into a single spending account.” – CEO and cofounder of Binji, Ryan Marquis.

“Binji takes the familiarity of a physical card and combines it with the best parts of app-based banking – convenience and security. We’re not only streamlining the payment process, but also providing a clear snapshot of where and how people spend their money. Binji is the result of years of development, anticipation, and entrepreneurial spirit and we hope consumers will feel the same sense of excitement when they partner with us to take control of their financial lives.” – CTO and cofounder of Binji, Joseph Callahan.