Banked is a fintech company building a global pay-by-bank payments network on banking rails. It serves consumers, businesses, and banks with real-time payment tools that improve checkout and payment efficiency.
Access to pre-IPO shares is available to accredited investors through UpMarket.
Latest Price
$97.12M
Series B, Nov 2022, Perplexity
UpMarket Estimate
$83M
Based on UpMarket valuation model
How to Invest in Banked Through UpMarket
Banked shares are not on public exchanges. UpMarket provides accredited investors access through secondary market transactions.
Step 01
Verify accredited investor status
Confirm eligibility under SEC Rule 501 of Regulation D. Income or net worth threshold applies.
Step 02
Create an UpMarket account
Complete KYC/AML onboarding. Typically 1–2 business days. Licensed rep assigned on signup.
Step 03
Review available Banked offerings
Full offering memoranda and risk disclosures provided before any commitment is required.
Step 04
Complete subscription documents
Review and sign subscription agreement. All documents handled digitally through the platform.
Step 05
Fund your investment
Wire transfer or ACH. $50K minimum. Funds held in custodial account until close.
Pre-IPO investments are illiquid, speculative, and involve risk of total loss of capital.
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Valuation Growth Over Time
Post-money valuation by round
Previous roundsMost recent
Date
Round
PPS (split-adj.)
Valuation
Nov 2022
Series B
$97.12M
Why Investors Are Watching Banked
Market Opportunity
Open banking and payments partnerships can scale bank-tech deals
Bank-fintech investment often leads to operational partnerships, including cross-selling to customers and using the startup’s technology. A U.S. FDIC study found banks also invest more when fintech competition is intense and the startup has business or technological overlap with the bank.
Product Milestone
Payments firms remain a favored funding target in 2025
Private capital has continued backing payment-service providers, with White & Case citing direct equity funding into Dojo, NjiaPay and CellPoint Digital in 2025. The same note highlights banks’ direct investments in fintech such as HSBC’s stakes in Token.io and ClearScore.
Growth Signal
Banks are increasing fintech investments when competition rises
A U.S. FDIC paper found banks increase venture investments in fintech startups when they face stronger fintech competition. It also found higher technological or business relatedness makes an actual bank-f fintech investment relationship more likely.
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No. As of March 2026, Banked is a private company and does not trade on any public stock exchange. Accredited investors can access Banked shares through UpMarket, a FINRA-registered broker-dealer that specializes in pre-IPO investments.
Banked does not have a public stock price because it is privately held. The most recent known share price comes from its last funding round. Pre-IPO share prices on the secondary market may differ from the last round price depending on supply, demand, and market conditions.
Yes. Accredited investors can indicate interest in Banked shares through UpMarket by filling out the form on this page or creating an account at upmarket.co. All pre-IPO offerings are subject to availability and require a $50,000 minimum investment. UpMarket is a FINRA-registered broker-dealer and has brokered alternative investments since 2019.
Pre-IPO investments carry significant risks. Banked shares are illiquid, meaning there is no public market to sell them quickly. There is no guaranteed exit timeline or return. The investment is speculative in nature, and investors should be prepared for the possibility of total loss. Valuations of private companies can fluctuate substantially between funding rounds. Investors should consult their financial advisor and review all offering documents before investing.
In a pre-IPO transaction, accredited investors purchase shares from existing shareholders (such as employees, early investors, or other holders) through secondary market platforms. The company itself does not issue new shares in these transactions. UpMarket facilitates these trades as a FINRA-registered broker-dealer, handling compliance, documentation, and settlement on behalf of both parties.
There are two primary exit paths for pre-IPO holdings: selling your shares on the secondary market to another buyer, or holding until the company completes an IPO or is acquired. Both paths are subject to transfer restrictions, company approval (right of first refusal), and market conditions. The timing of any exit is unpredictable, and investors should plan for a multi-year holding period.
The minimum investment for most pre-IPO offerings on UpMarket is $50,000. This amount may vary depending on the specific offering and share availability. There are no fees to create an UpMarket account or browse available investments. Investors only pay transaction-related fees when they complete an investment.
UpMarket's valuation estimate of is derived from a proprietary model that incorporates multiple data sources: funding round data (Caplight), revenue estimates (Sacra), secondary market pricing, and public company comparables. The model applies a private company discount to the public comp multiple to account for illiquidity and information asymmetry. This estimate is not investment advice and may differ substantially from the price at which shares actually trade.
Banked builds a global pay-by-bank payments network on banking rails and is valued at $83M, with open banking and payments partnerships positioned to scale bank-tech deals — accredited investors can access Banked stock through UpMarket.