Ivella builds banking products tailored to couples, beginning with a split account and a shared Ivella debit card that links two individual accounts while preserving separate balances. Users can set contribution ratios so transactions on the Ivella card are automatically split according to predefined shares. The team built an internal ledger and real-time decision logic to intercept transaction authorizations and determine whether both accounts can support their portion before approving payments. The company originally experimented with a P2P transfer-style product but pivoted after discovering payment networks typically interact with a single account. Ivella plans to expand into joint accounts, credit products and joint investment products over time. Current monetization is through interchange fees, with a planned premium subscription offering points, rewards and features like importing and splitting off-card transactions.

Total raised

$4M

Funding rounds

1

Latest round

Equity

Latest activity

Jun 2022