Thread

Thread (operating as Thread Bank / Thread Bancorp) is a community bank and financial technology company based in the United States that provides embedded finance and Banking-as-a-Service (BaaS) solutions. Thread operates as a chartered bank and uses a cloud-based core banking infrastructure (Finxact by Fiserv) combined with BaaS middleware to enable fintech companies and non-bank businesses to embed financial products — including deposit accounts, payments, and lending — into their own platforms. Thread positions itself as a connected financial ecosystem that helps partners build value without building their own banking systems, combining the regulatory charter of a community bank with modern technology infrastructure to serve the growing embedded finance market.