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Hypothetico is the first software-defined bank holding company and operates as an on-demand, full stack banking-as-a-service software company operated by an OCC-chartered national bank, Formative Bank. Formative provides a chartered banking platform and regulatory blocking to fintech and regtech startups needing to be served by a banking charter and to legacy banks needing to retire charter operations. Formative is fully digital and the only U.S. bank designed to act purely as infrastructure. 

Fund II investment


Founders: Michelle Peralta, Dave Kochbeck, Justin Maples

Location: Bay Area

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