Banking lending

Cypher

Website

Internet broke physical boundaries in commerce and made it global. It never happened in finance. Almost all financial consumer apps are country specific. Stablecoins are the internet moment for finance industry. Cypher lets an user download an app from anywhere in the world and have a bank account in 5 mins and start transacting with the crypto

Founded 2021Origin source ↗Checked 2026-09-15

Overview

Internet broke physical boundaries in commerce and made it global. It never happened in finance. Almost all financial consumer apps are country specific. Stablecoins are the internet moment for finance industry.

Cypher lets an user download an app from anywhere in the world and have a bank account in 5 mins and start transacting with the crypto card. Can instantly send USDC to anywhere in the world.

Company description As recorded 2026-11-08

Founders & team

Previously CypherD, CypherD Wallet, Cypher Wallet

Company history As recorded 2026-11-08

Kuberan Marimuthu

Founder

Currently building Cypher (crypto on-chain banking) Ex-Engineering Leader at Coinbase, Amazon & Zenefits. Built spoturtrain.com and scaled it to 2 million active users a month. 3rd time founder.

Founder profile As recorded 2026-09-15
12team members reported
Source-reported As recorded 2026-09-15

Founded 2021 · Source

News & product activity

Sources & observations

Y Combinator

Profile depthenriched profile
Website observationwebsite reachable
Last website check2026-11-11
Location · source statedSan Francisco, CA, USA
Pricing evidenceA pricing page was detected
Maturity: Not assessed · 4 of 6 areas documented

Source-based assessment · automated evidence rules

The source reports an inactive or acquired company; current product identity needs review.

Maturity is an evidence-based assessment, not a success rating. It may understate the current stage where evidence is limited. Coverage records documented areas, not a complete or independently audited company history.

Stage definitions
independent websitesource corroborationreachable websitedescriptive evidenceclassified market and modelsourced peoplesourced founding yearpricing page observedrecent publishing observed