View details of this raise on Seedstage

Newark, DE

Scaling a digital-first credit card platform to expand features, security, and customer reach.

• Proven traction: Hundreds of thousands of cards issued with strong recurring spend patterns.
• Tech-driven solution: App-first platform with instant virtual cards and smart rewards.
• Customer engagement: Low churn and high retention driven by user-friendly features.
• Large market opportunity: Positioned to capture share of the trillion-dollar U.S. credit card industry.
• Experienced team: Founders and leadership with extensive backgrounds in fintech and payments.

X1 is building a next-generation credit card designed for modern consumers seeking transparency, security, and a more streamlined financial experience. Unlike traditional cards that rely on outdated systems and complicated rewards programs, X1 offers an app-first product with features tailored to the habits of younger, tech-savvy users. The company is raising funds to expand its product capabilities, enhance fraud prevention technology, and scale marketing efforts to reach a broader customer base. With features like dynamic CVV codes, instant virtual cards, and real-time spend tracking, the platform emphasizes convenience and security while positioning itself as a digital-first alternative to incumbent financial institutions.

This fundraising round is intended to support X1 in deepening customer loyalty, improving infrastructure to manage rapid growth, and developing new premium features that will extend its ecosystem. The company has already achieved significant traction with a large user base and strong engagement metrics, demonstrating customer demand for a simpler and smarter card solution. With a clear strategy for growth in a trillion-dollar market, the funds will allow X1 to strengthen its competitive position, expand its partnerships, and continue building a scalable platform that can capture the next wave of consumer credit adoption.

Company Info

X1 is a fintech company offering a software-driven credit card and digital financial platform designed to simplify and modernize personal finance.

X1 is a technology company focused on developing a next-generation credit card and digital financial platform. It positions itself as a solution that combines modern design, enhanced rewards, and smart financial tools aimed at consumers seeking greater transparency and control over their spending. The product emphasizes usability through a streamlined digital experience, integrating features that appeal to tech-savvy individuals and those looking for alternatives to traditional credit offerings.

The company highlights security, automation, and innovative card management functions as core elements of its service. With tools designed to help customers track expenses, build credit, and maximize benefits, X1 differentiates itself from conventional credit card providers by leveraging software-driven features. This approach allows it to market itself as more than a financial product, instead positioning as a platform designed to simplify and modernize personal finance.