Cosmopolitan Partners is a fully digital bank where 100% of shareholder profit is permanently and legally redirected to an independent foundation — funding nonprofits and social enterprises you select. Full banking. Competitive yields. No extra cost.
No donation required. No friction. Your everyday banking automatically converts shareholder profit into structured, audited giving.
Checking, savings, and a debit card — fully digital, FDIC insured through our partner bank. Market-rate interest. No minimum balance.
Choose one or more impact portfolios: climate, health, education, gender equity, or designate a specific vetted nonprofit.
Spend, save, and transfer exactly as you would anywhere else. We earn revenue from interchange and net interest margin.
Instead of distributing profit to private shareholders, 100% flows contractually to our 501(c)(3) foundation. Audited. Transparent.
Not a credit union. Not a DAF. Not a typical neobank. What happens when banking is redesigned from first principles around impact.
| Credit Union | DAF | Direct Giving | Cosmopolitan Partners | |
|---|---|---|---|---|
| Competitive banking yield | ✓ | ✗ | ✗ | ✓ |
| Profits fund external causes | ✗ | Yours only | ✗ | ✓ |
| No upfront capital required | ✓ | ✗ | ✗ | ✓ |
| Fully automatic giving | ✓ | ✗ | ✗ | ✓ |
| Customer-directed causes | ✗ | ✓ | ✓ | ✓ |
| Recurring, predictable nonprofit grants | ✗ | ✗ | ✗ | ✓ |
| Mission-locked legal structure | ✗ | ✗ | ✗ | ✓ |
Tech workers, creative professionals, and younger earners who already donate — and want their bank account to do the same, passively and automatically, without thinking about it.
Neobank switchersOrganizations seeking mission-aligned banking infrastructure — and who benefit directly from the foundation's grant pool. They become natural advocates to their donor networks.
1.8M orgs in the U.S.B-Corps, social enterprises, and values-driven companies that can offer Cosmopolitan Partners as a default payroll bank or employee benefit — aligning finance with culture.
Lowest CAC channelDuring onboarding, designate one or more portfolios. The foundation allocates your share of grants accordingly — verified nonprofits, UN SDG-aligned.
Cosmopolitan Partners is raising $500K–$1.5M in seed capital to launch the world's first bank where 100% of profit funds impact.
Mission-aligned credit unions and community banks seeking to power the infrastructure behind a values-first neobank. Preferred: B Corp status or CRA-motivated institutions.
Reach out →Capped-return preferred notes (1.5–2.0× cap). All excess profit flows to the foundation. Meaningful financial return with legally embedded impact leverage.
$500K–$1.5M raiseAnchor nonprofits who become first grant recipients and endorse Cosmopolitan Partners to their donor networks. Genuine aligned incentive with low-friction distribution.
First grants in 2026Join the waitlist. We will be onboarding our first 500 customers in 2026.
No unsolicited communications. Your information is never sold or shared.