Borrow & Paycheck
Bridge the gap without the panic.
Get paid up to 2 days early, get fee-free overdraft coverage up to $200, borrow up to $500 with no credit check, or split big purchases with Pay over Time.
Tap to opt in. We cover the gap on Nitro Card swipes when balance dips below zero. No fees, no interest.
Short-term cash, no credit check. Flat fee, paid back from your next deposit.
Split eligible purchases at top brands into four interest-free installments.
A safety net that actually catches you.
Tap a step — or watch it play. Each screen is rendered live on the phone.
Paychecks up to 2 days early.
Get your own routing & account number. The moment your employer files payroll, your money lands — usually a day or two ahead of legacy banks.
- Allocate a slice to Savings or BTC automatically
- Works with most payroll providers
- Full deposit, every time
No surprises. Ever.
Borrow and Pay over Time are transparent: flat fees shown before you tap, no interest accrual, no late traps. Overdraft is free when you qualify. We make money from interchange — not from your hardship.
Skip ahead in line.
Early-paycheck rollout opens regionally. Get on the list and we'll let you know.