{"data":{"type":"company_profile","id":94997,"entity_id":"wefunder:company:94997","attributes":{"canonical_url":"https://wefunder.com/kinly","generated_at":"2026-06-12T03:32:05Z","updated_at":"2026-06-11T23:53:33Z","entity_ids":{"company":"wefunder:company:94997","slug":"wefunder:company_slug:kinly"},"profile_visibility":{"owner_published":true,"public_search_results":true,"site_search_listed":false,"privacy_mode":"unlisted","invite_only":false},"provenance":{"source":"wefunder_public_company_profile","as_of":"2026-06-12T03:32:05Z","claims":{"total_amount_raised":{"source":"FrontCompanySummary#amount_raised","last_verified_at":"2026-06-11T23:53:33Z","as_of":"2026-06-12T03:32:05Z","confidence":"high"},"total_investors":{"source":"FrontCompanySummary#number_of_investors","last_verified_at":"2026-06-11T23:53:33Z","as_of":"2026-06-12T03:32:05Z","confidence":"high"},"active_raise_states":{"source":"Fundraise.visible(nil, nil)","last_verified_at":"2025-06-07T14:26:39Z","as_of":"2026-06-12T03:32:05Z","confidence":"high"},"latest_fundraise_state":{"source":"Fundraise.visible(nil, nil).order(funding_started_at)","last_verified_at":"2025-06-07T14:26:39Z","as_of":"2026-06-12T03:32:05Z","confidence":"medium"}}},"company":{"id":94997,"entity_id":"wefunder:company:94997","slug":"kinly","name":"Kinly","tagline":"Kinly, a financial app helping Black America \u0026 allies build generational wealth","story":"We’re Not New To This\u0026nbsp;We’ve all heard the saying, “Those who don’t know their history are doomed to repeat it”. Needless to say, Black America has had a horrible experience with the financial industry – even earlier than many of us ever knew.Goldman Sachs was founded in 1869. Today, Goldman Sachs is one of the largest investment banks in the world¹.Bank of Italy was founded in 1904 to serve Italian immigrants who were treated poorly upon arriving in the United States. In 1930, they changed their name to Bank of America and are now one of the largest commercial banks in the world².Congress founded Freedman’s Savings in 1865 for newly freed slaves and hired Frederick Douglass as President in 1872. Douglass discovered the institution’s corruption, which included involvement with the Ku Klux Klan. It closed in 1874 and it’s majority black account holders lost all of their money, not realizing the bank wasn’t federally insured.And all these generations later, our community is still reeling from the impact made. Similarly, the death of George Floyd woke up many Americans to recognize the consistent systemic racism against communities of color. It was clear to us that the solutions oppressed communities need must be built from within – and Kinly was born.Leveling the Playing FieldKinly is a financial services company helping Black America build generational wealth. Though unbanked, underbanked and underserved, the Black community’s $1.6-trillion in annual economic impact provides a significant base to build upon. By developing a platform focused on improving financial livelihood through financial education, Black-focused spending, and wealth building, Kinly helps members manage their money and develop positive financial behaviors to reach goals and realize dreams.Through trial and triumph, we’ve supported and celebrated our own. Kinly seeks to create familial bonds with our customers and to live up to our mission:Helping Black America Build Generational WealthKinly is the financial platform we’ve been looking for.\u0026nbsp; We empower our users to grow financially so you can build generational wealth as hassle-free as possible. From managing your money to learning, it’s all in one place without needing multiple apps and log-ins.Financial ServicesWe're serious about helping Black America take control of our finances and build generational wealth.\u0026nbsp;\u0026nbsp;With the Kinly Deposit Account and\u0026nbsp;Kinly Visa® Debit Card, we’ve got you covered.\u0026nbsp;\u0026nbsp;Key features include:- Get paid up to 2-days early- No overdraft fees- Overdraft protection up to $100- Easy money transfer- No monthly fees- No minimum balance fees- No hidden fees, no Surprises- Kinly Visa® Debit Card- 55,000+ fee-free ATMs worldwide- FDIC-insured deposits up to $250,000 through The Bancorp Bank, member FDICCryptocurrency Exchange (coming soon) A recent report indicated that 30% of Black America owns cryptocurrency. Kinly will be first to pilot Visa’s new suite of crypto APIs, which will enable customers to purchase, custody and trade digital assets.Cash Back Rewards\u0026nbsp;Kinly offers cash back rewards at top retailers and Black-owned businesses alike through our Cash Back Rewards initiative.Financial Education\u0026nbsp;Money affects almost every aspect of your life and can be the determining factor in many of your day-to-day decisions. Education is the first step in improving financial wellness and taking control of our economic impact. With the Kinly Deposit Account and app you have access to tools and resources made for every kind of learner. No matter your financial goals, there are curated plans to help you achieve them.Business ModelOur accounts have no opening fees, account fees, transaction fees, or minimums.We make money through the fees merchants pay us when customers use their Kinly Visa™ Debit Card, also known as interchange fees. We also make money on the deposits that customers hold with us.Hear From The Community\u0026nbsp;Join Our InvestorsWhen we say 'built for us, by us' we mean it.\u0026nbsp; This isn't about raising money, this is about raising morale in our community and giving us more opportunities to build real wealth.\u0026nbsp; No matter the size of your investment - we want to grow with you.The financial technology industry is among the fastest growing worldwide, with an average annual growth rate of nearly 25%.Build generational wealth with us by joining our current investors.\u0026nbsp; Creating access to economic success is part of our core purpose.\u0026nbsp; Though the Wefunder platform we can extend an investment opportunity in our company to the Kinly community alongside private investors and venture capitalists.\u0026nbsp; Join our journey, invest in the growth and legacy of Kinly.\u0026nbsp; We're in this together!FAQHow does this work?Join Wefunder by clicking ‘Sign Up’ in the top right corner.-Wefunder will reserve your chosen amount. When the campaign ends, you’ll confirm your\u0026nbsp;reservation, and the funds will be deposited to Kinly.-If we exceed our maximum allotment of ~$1M, we’ll refund some contributions (more on refunds below).What is the minimum investment?The minimum investment\u0026nbsp;is $100USD.What's the maximum I am legally allowed to invest?Through Regulation Crowdfunding everyone can invest up to $2,200. How much you're able to invest above that depends on your net income and net worth. You can see how much you're allowed to invest by adding those two numbers under \"Investor Limits\" here: https://wefunder.com/settingsWhile you may be legally able to invest more, your investment may be lowered depending on the interest we receive in this round.Do I need to be an accredited investor?No. Wefunder allows you to invest without being an accredited investor. All you have to do is sign up and invest.Do I have to do anything for Kinly as an investor?No. All you do is invest.Kinly is not a bank. Banking Services provided by The Bancorp Bank, Member FDIC. The Kinly Visa® Debit Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.1- Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. The recipient’s name on any deposits received must match the name on the Kinly Account. Any deposits received in a name other than the name registered to the Kinly Account will be returned to the originator. The routing and account number can be used for setting up direct deposit or to pay bills online with the direct deposit feature. Be sure only to provide your routing account number information to your payer, benefits provider or trusted billers.2 -\u0026nbsp;Kinly Overdraft is available after qualifying direct deposits of $1,000 or more into the Kinly Account over the past 35 calendar days. Eligible members who are enrolled in Kinly Overdraft will be able to make purchases that would result in a negative balance on the Kinly Account up to $100. Not all purchases are eligible. Eligibility conditions apply for the Kinly Overdraft. See bekinly.com/overdraft for full terms and conditions.3 -\u0026nbsp;There is no fee to withdraw money from any Allpoint® ATM. There is a $2.50 ATM cash-withdrawal fee assessed by Kinly for all non-Allpoint® ATM transactions (out of network transactions). The ATM operator may charge an additional fee.4 -\u0026nbsp;Kinly is partnering with Visa to offer cash back rewards on eligible purchases. Please refer to Kinly’s mobile application for a complete list of participating vendors and current cash back incentives. Additional terms, conditions, and exclusions apply and can be found in the Kinly terms and conditions agreement.","location":"Atlanta, GA","website":"https://bekinly.com","total_amount_raised":0,"total_investors":0,"is_funded":false,"is_active":false,"quality_score":5,"related_urls":["https://wefunder.com/kinly","https://bekinly.com"]},"media":{"share_image_url":"https://uploads.wefunder.com/uploads/company/header_media_photo/94997/xxl_cropped_1920_x_1080.jpg","header_media_url":"https://uploads.wefunder.com/uploads/company/header_media_photo/94997/standard_cropped_1920_x_1080.jpg","cover_photo_url":"https://uploads.wefunder.com/uploads/company/header_media_photo/94997/standard_cropped_1920_x_1080.jpg","profile_video_url":"https://wefunder.wistia.com/medias/9f0gj7l318"},"links":{"company_url":"https://bekinly.com","twitter_url":"http://twitter.com/kinlyofficial","facebook_url":"http://@kinlyofficial","instagram_url":"http://@kinlyofficial"},"highlights":[],"quick_facts":[{"index":1,"claim_id":"claim-fact-1","value":"A community-driven banking system for Black America with a waitlist of over 300K"},{"index":2,"claim_id":"claim-fact-2","value":"Over $20M raised from investors such as Gabrielle Union, Kevin Durant and top-tier VC funds"},{"index":3,"claim_id":"claim-fact-3","value":"Influencers Taraji P. 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Also, how quickly can you onboard those on your waitlist? 4) What's the exit strategy?","author_name":"Kevin Hardman","votes":3,"created_at":"2022-05-19T16:23:10Z","canonical_url":"https://wefunder.com/kinly#question-205616","answers":[]}],"faq":[]}}}