One App To Rule Them All? The Fintech Company Offering Integrated Financial Solutions

One App To Rule Them All? The Fintech Company Offering Integrated Financial Solutions

In 2020, the US saw total e-commerce sales reach $537 billion, as an increasing amount of financial activity moves online. It is arguably more important than ever for people to have integrated financial solutions to suit the modern market. Over 160 million Americans currently use online banking, with money transfers and payments having the highest customer adoption rate among financial technology (fintech) services. 

This fintech revolution is leading the shift away from traditional banking systems in favor of more innovative and integrated financial services that suit modern lifestyles. One company providing unification of financial services onto one platform is New York City-based Current

From the convenience of one app, Current says its users can seamlessly meet all their financial needs, making deposits and monitoring payments and paychecks. Current is a fintech solutions provider and not a bank, and its banking services are provided through a partnership with Choice Financial Group, a member of the Federal Deposit Insurance Company (FDIC).

A Current Trend? 

Through the company’s Current Core financial technology, financial services are now all in one place. Receiving paychecks, using savings, and debit cards, buying and selling crypto, and more can all be done through a single app. 

The company highlights multiple advantages provided through the Current platform to its users. With a Current account, paychecks can be delivered up to 2 days sooner through its early direct deposit service.1 This means waiting less time for payday and increased financial flexibility. 

The Current platform also allows for crypto buying and selling with dozens of cryptocurrencies. With no trading fees, users can exchange crypto for cash and vice versa instantly, getting instant access to funds and uncomplicating crypto for beginners and veterans alike. Crypto novices will especially appreciate the straightforward settings that include in-app crypto tips.

Another exciting platform feature is Current’s savings pods. These allow users to set aside funds and save right away, earning 4.00% annual percentage yield (APY) - 15x the national average.2 Users get an increase in their savings whether the pod has $1 or $1000, and they have 24/7 access to the money with no restrictions. This means they can spend or reinvest savings at any time they need.

Through this integrated financial app and platform, Current looks to allows users’ money to work together efficiently in a solution that suits 21st-century financial needs.

Interested in learning more about Current? Visit its website at

Cryptocurrency services are powered by Zero Hash LLC and Zero Hash Liquidity Services LLC, and may not be available in all states. Licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. Terms and conditions apply. All forms of investments carry risks, including the possible loss of principal. Cryptocurrency is not subject to FDIC or SIPC coverage.

This post contains sponsored advertising content. This content is for informational purposes only and is not intended to be investing advice.

Featured photo by Yulia Grigoryeva on Shutterstock. 

1Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer's submission of deposits.

2The Annual Percentage Yield ("APY") for Current Interest is variable and may change at any time. The disclosed APY is effective as of November 1, 2022. No minimum balance required. Must have $0.01 in Savings Pods to earn Current Interest on up to $2000 in deposits per Savings Pod up to $6000 total.  Please refer to Current Interest Terms and Conditions. 15x rate calculated using the FDIC average National Deposit Rate for savings accounts of 0.24.

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