Fintech

Where Fintech Apps Actually Keep Your Money

Fintech apps don’t really “hold” your money in the way most people imagine. It sits in layers—partner banks, custodial accounts, and internal ledgers that move faster than traditional banking rails. Apps like Revolut, Chime, PayPal, SoFi, and Cash App route funds through different structures depending on country and account type. If you use them daily, the question isn’t just where your money is, but who technically controls it at any moment.