See through your money.

PRISM is the bank with nothing behind the glass. Every purchase categorized before your phone buzzes, every fee printed on one line, every saved dollar refracted into a future you can actually read.

Open an account in 4 minutes See the app
0to categorize a purchase
$0hidden fees, ever
0on 212k reviews
PRISM ONE

5417228091340062

Card holderAVERY LUMEN
Valid thru09 / 29

Move your pointer across the card โ€” it's real glass.

Total clarity

Your money, in focus the moment you look.

This is the actual home screen. No promotional carousel, no buried menus โ€” a balance you can trust, a spending line drawn live, and every transaction filed before the receipt prints.

Nothing to hide

Banking, with the opacity removed.

Most banks are built like vaults โ€” you're supposed to wonder what's inside. PRISM is built like a lens.

Instant Lens

Every swipe is categorized, merchant-cleaned, and mapped to your month before the terminal beeps. No "Pending โ€” UNKNWN*7729" ever again.

0.3s median filing time

Glass Cards

Freeze, thaw, cap, and split cards in one tap โ€” each card shows exactly what it can spend, where, and until when. Kids' cards included.

Up to 12 cards per account

Fee X-Ray

Our entire fee schedule fits on one line: $0. Point the X-Ray at any other account you hold and it itemizes what they're quietly charging you.

$284/yr found on average

Savings Facets

Split savings into named facets โ€” Kyoto in April, the studio deposit, the quiet fund. Each one shows its own projected future, live.

Up to 5.10% APY

Savings facets

Watch a dollar refract into next year.

Drag the sliders. The projection isn't marketing math โ€” it's the same engine the app runs every midnight against your real balance.

$350
6 years
Facet type

Projected facet value

$0

4.60% APY
$0per depositor, FDIC-insured through our partner, Meridian Trust N.A.
0encryption on every session, with hardware keys supported everywhere.
0uptime over the last twelve months โ€” outages published, never buried.
SOC 2 Type IIaudited annually; the full report is one tap away inside the app.

Transparent pricing

Three tiers. Zero asterisks.

The price below is the whole price. There is no page two.

Clear

$0 /month

Everyday banking, fully lit.

  • Instant Lens categorization
  • 2 glass cards + 3 savings facets
  • 3.80% APY on Flex facets
  • Fee X-Ray on one external account
  • No minimums, no overdraft fees
Start with Clear
Most refracted

Prism+

$8 /month

For people with places to be.

  • Everything in Clear
  • 5.10% APY member facets
  • 12 glass cards โ€” family & kids included
  • Unlimited Fee X-Ray, every account
  • A human answers in under 60 seconds
Go Prism+

Spectrum

$18 /month

For small teams and studios.

  • Everything in Prism+
  • Shared spaces with role-based light
  • Invoicing with read-receipts
  • Quarterly clarity report, auto-built
  • Accountant view โ€” read-only, free
Build on Spectrum

Get PRISM

Money you can see through.

Four minutes to open. No credit pull, no branch, no paper. Your first glass card ships the same week โ€” the digital one works before you finish this sentence.

Download on theApp Store Get it onGoogle Play

PRISM is a fiction โ€” there is no waitlist because there is no bank. The glass, however, is real.