About Medici
A bank built for what's next
Medici Bank is a US-based, cloud-native, international-capable financial institution focused to serve the markets where financial activity is heading — not where it's been.
Who we are
Medici Bank is based in Puerto Rico, USA. We hold a robust banking license, allowing deposit taking, lending, and operating a trust division, among other things. Our approach is that of a hybrid between bank and fintech startup — high tech for service but also fully licensed and regulated for safety.
Our approach
Regulated first
Everything we build sits on a licensed, regulated banking foundation.
Platform-native
Our technology is designed for companies that embed, automate, and scale financial services.
Market-driven
We focus on the four fastest-growing segments: BaaS, embedded finance, stablecoins, and agentic payments.
Why we're repositioning
The next generation of financial activity will not be built around branch banking, ACH batches, or human-only approval flows. It will be software-directed, global, 24/7, and increasingly initiated by AI agents, wallets, and platforms. Medici is refocusing to serve that market — while maintaining the personal and business banking that proves we're a real, operating institution.
What sets us apart
Real Banking License
Licensed banking operations — not just a sponsor-bank arrangement or middleware layer.
Secure Infrastructure
Bank-grade controls for accounts, payments, compliance, and operations.
Innovation Focus
Purpose-built for BaaS, embedded finance, stablecoins, and agentic payments.
Our commitment
The outcomes that matter most — for your business, your customers, and your investors.
- Trustworthy — regulated, secure, and transparent.
- Efficient — one partner instead of many vendors.
- Innovative — built for the markets growing fastest.
- International — serving companies with global ambitions.
Want to learn more?
Whether you're exploring our platform or evaluating Medici as a banking partner, we'd like to hear from you.