Est. 2019 · New York

The bank built on trust,
driven by precision.

We believe everyone deserves access to the kind of financial tools that were once reserved for the ultra-wealthy. That belief has guided every decision since day one.

BondInvestment headquarters
Our Mission

Institutional precision,
accessible to everyone.

BondInvestment was founded in 2019 with a singular mission: to eliminate the gap between the financial tools available to institutional investors and those available to everyday people.

Today, we manage over $2.48 billion in deposits for more than 124,000 clients across 60 countries — from first-time savers to seasoned investors moving millions.

2019
Year Founded
60+
Countries Served
$2.48B
Under Management
$2.48B
Total Deposits
124K+
Active Clients
4.2%
Avg. Annual Yield
99.9%
Platform Uptime
Our Values

What we stand for

Our values aren't slogans on a wall — they're the principles that drive every product decision, every customer interaction, and every hire we make.

Uncompromising Security

Every transaction is protected with bank-grade 256-bit AES encryption. We maintain a zero-tolerance policy on security shortcuts — your money is always our first priority.

Radical Transparency

No hidden fees. No fine print surprises. We publish our full fee schedule, interest rates, and terms openly. You always know exactly what you're paying and why.

Global Accessibility

Banking shouldn't have borders. We serve clients in 60 countries with real-time transfers in 50+ currencies, making global finance as simple as sending a text message.

Human-First Support

Every client gets a dedicated relationship manager. When you need help, you reach a human — not a chatbot. We're available Monday to Saturday, 8AM–8PM EST.

Long-Term Thinking

We make decisions based on what's right for clients over 10 years, not what looks good on a quarterly report. Your financial growth is our growth.

Regulatory Excellence

We exceed, not merely meet, regulatory requirements. Federally chartered, FDIC member, and subject to Federal Reserve oversight — because trust must be earned, not assumed.

Leadership

The team behind BondInvestment

Our leadership team brings over 80 years of combined experience from Goldman Sachs, JP Morgan, the Federal Reserve, and Silicon Valley.

JM
Jonathan A. Mercer
Chief Executive Officer
Former Managing Director at Goldman Sachs. 20+ years in institutional banking and investment management.
SC
Sophia Chen
Chief Financial Officer
Ex-CFO at Morgan Stanley Wealth Management. CPA, CFA. Led $12B in capital restructuring projects.
RT
Robert Torres
Chief Technology Officer
Previously led engineering at Stripe and Plaid. Architect of BondInvestment's real-time transfer infrastructure.
AM
Amara Mitchell
Chief Compliance Officer
Former Federal Reserve Bank examiner. Specialist in BSA/AML compliance and international banking regulations.
Our History

Five years of growth

From a small team of four in a Manhattan co-working space to one of the fastest-growing digital banks in North America.

2019
Founded in New York
Jonathan Mercer and Sophia Chen founded BondInvestment with seed funding of $8M. First 500 clients onboarded in the first 90 days.
2020
FDIC Charter Granted
Received federal banking charter No. 24817-B and FDIC membership — one of only 12 digital banks to achieve this in the pandemic year.
2021
International Expansion
Opened SWIFT corridors to 50+ countries. Client base grew to 40,000. Launched the Prime Member yield program at 4.2% annually.
2022
Personal Loans Launched
Introduced fixed-rate personal loan program. Processed over $180M in loan applications in the first 12 months.
2023
100,000 Clients Milestone
Reached 100,000 active clients. Total deposits crossed $1 billion. Named Best Digital Bank by FinTech Insider Awards.
2024
$2.48B in Deposits
Surpassed $2.48 billion in managed deposits. Expanded team to 120+ employees across New York and London offices.
Regulatory Standing

Fully regulated & insured

Your money is protected by the highest standards of US federal banking regulation. We don't cut corners on compliance — ever.

FDIC Member

FDIC Certificate #58291. Deposits insured up to $250,000 per depositor, per account category.

Federal Reserve

Member of the Federal Reserve System. Subject to full Federal Reserve examination and oversight.

National Bank Charter

Chartered under the National Bank Act by the OCC. Charter No. 24817-B.

Equal Housing Lender

All loan products comply with the Fair Housing Act and Equal Credit Opportunity Act.

BSA / AML Compliant

Full Bank Secrecy Act and Anti-Money Laundering program. FinCEN registered.

SWIFT Member

BIC: BONDUS33XXX. Routing No: 021000089. Full international wire capability.

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