A fully digital bank where 100% of shareholder profit is permanently and legally redirected to an independent foundation — funding the nonprofits and causes you choose. Full banking, competitive yields, and no extra cost to you.
No donation required, no friction. Your everyday banking converts shareholder profit into structured, audited giving — automatically.
Checking, savings, and a debit card — fully digital, FDIC insured through our partner bank. Competitive rates, no minimum balance.
Designate one or more impact portfolios — climate, health, education, gender equity — or a specific vetted nonprofit.
Spend, save, and transfer exactly as you would anywhere else. We earn from interchange and net interest margin — standard banking economics.
Instead of going to private shareholders, 100% of profit flows contractually to our 501(c)(3) foundation. Audited and transparent.
Not a credit union. Not a donor-advised fund. Not a typical neobank. The only model that combines frictionless banking with automatic, recurring, directed giving — at no cost to you.
| Credit Union | DAF | Direct Giving | Cosmopolitan | |
|---|---|---|---|---|
| Competitive banking yield | ✓ | ✗ | ✗ | ✓ |
| Profit funds external causes | ✗ | Yours only | ✗ | ✓ |
| No upfront capital required | ✓ | ✗ | ✗ | ✓ |
| Fully automatic giving | ✓ | ✗ | ✗ | ✓ |
| Customer-directed causes | ✗ | ✓ | ✓ | ✓ |
| Mission-locked legal structure | ✗ | ✗ | ✗ | ✓ |
| Recurring nonprofit grants | ✗ | ✗ | ✗ | ✓ |
Your money has the same protection as any major U.S. bank. The only difference is where the profit goes.
Deposits are insured through our partner bank, up to $250K per depositor, per category — the same protection as any major U.S. bank.
Around 4.75% APY on savings — at or above market. The redirect comes from shareholder profit, not your yield. You give up nothing.
We launch on established, chartered banking infrastructure. Your deposits are held by our partner bank, under full regulatory oversight.
The profit redirect isn't a policy or a promise — it's a legal structure. The 501(c)(3) foundation is the sole, permanent beneficiary of residual profit.
Foundation grant-making is independently audited each year and published. You see exactly where your deposits' profits went — down to the cause.
Insured per depositor, per category — your money is protected exactly as it would be at any chartered U.S. bank.
Standard banking economics, redirected. Here's how everyday deposits turn into recurring, audited grants.
Figures are modeled estimates based on standard interchange and net-interest-margin economics. Actual grants depend on deposits and account mix.
You choose the causes. An independent board directs the grants. And you can watch it happen in real time.
During onboarding, you designate the impact portfolios your share of grants supports — climate, health, education, and more.
Within each category you choose, an independent foundation board allocates funds to vetted, eligible organizations — at arm's length from the bank.
A live grants dashboard shows where the money goes as it happens — backed by an independently audited annual report.
Ledger figures shown are illustrative of the live dashboard customers will see at launch.
People who already care about giving — and want their everyday banking to do the same, passively and automatically, without thinking about it.
Personal accountsOrganizations seeking mission-aligned banking — and who benefit directly from the foundation's grant pool. Their causes are funded as they bank.
Business bankingB-Corps, social enterprises, and values-driven companies that offer Cosmopolitan Partners as a payroll bank or employee benefit — aligning finance with culture.
Payroll & benefitsDuring onboarding, designate one or more portfolios. The foundation allocates your share of grants accordingly — verified nonprofits, UN SDG-aligned.
A clear path from pilot to charter — with foundation grants growing an order of magnitude at each phase.
Yes. Deposits are insured through our partner bank, up to $250,000 per depositor, per category — the same FDIC protection as any major U.S. bank. Your money is held at an established, chartered bank under full regulatory oversight.
Through standard banking economics — interchange on debit spending and net interest margin on deposits, the same way most banks earn. The difference is structural: instead of going to private shareholders, 100% of profit flows to an independent 501(c)(3) foundation.
There's no extra cost to you, and we expect to offer a competitive savings rate (targeting around 4.75% APY). The giving comes out of shareholder profit, not your yield — so you don't give anything up to make an impact.
It isn't a promise — it's a legal structure. The 501(c)(3) foundation is the sole, permanent beneficiary of residual profit. Grant-making is independently audited each year, and a live dashboard shows where the money goes, down to the cause.
You do, at the category level — you choose the impact portfolios your share supports. Within those categories, an independent foundation board allocates grants to vetted, eligible organizations, at arm's length from the bank.
The waitlist is open now. We expect to onboard our first customers in mid-2027, following the close of our founding round. Joining the waitlist puts you first in line and carries no commitment.
At launch, accounts will be available to U.S. residents 18 and older, with business and nonprofit accounts as well. The first products are fully digital checking, savings, and a debit card.
Join the waitlist. We'll be onboarding our first customers in mid-2027.
No unsolicited communications. Your information is never sold or shared.