# Dave

> Source: https://docs.barcoder.ai/docs/wallets/dave
> research date 2026-06-01 · extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Dave — official](https://www.dave.com/)

## Overview

**Dave** is a **US neobanking app** operated by **Dave Inc. (NASDAQ: DAVE)**, founded **2017** <sup>[1][1], [2][2]</sup>. Dave is best known for small-dollar paycheck advances ("ExtraCash") aimed at helping users avoid overdraft fees, alongside a spending account, debit card and budgeting tools. It went public via SPAC in 2022 and serves millions of members, focused on cost-conscious and underbanked US consumers.

## History

**2017 — Dave launches** <sup>[1][1], [2][2]</sup>: Founded by **Jason Wilk** (CEO) and co-founders, initially as an overdraft-avoidance / budgeting app named after the "David vs. Goliath" theme against big-bank fees.

**2020-2021 — Banking account + growth** <sup>[2][2]</sup>: Dave added a spending account and debit card and scaled its membership; backed by investors including Mark Cuban.

**January 2022 — Public via SPAC (NASDAQ: DAVE)** <sup>[2][2]</sup>: Dave listed publicly; subsequently focused on its ExtraCash advance product and improving unit economics toward profitability.

## Ownership & operator

**Operating entity**: **Dave Inc.** (NASDAQ: DAVE).

**Founder + CEO**: **Jason Wilk** <sup>[2][2]</sup>.

**Notable backers**: Mark Cuban and various venture investors <sup>[2][2]</sup>.

**Regulators**: Deposits FDIC-insured via partner bank (**Evolve Bank & Trust**); state-level money-transmission as applicable.

## Technical integration

| Layer | Description |
|---|---|
| **Channels** | Dave mobile app (iOS + Android) + Dave debit card |
| **Identifiers** | Email + phone + debit card number + SSN |
| **US rails** | ACH + card network |
| **Card network** | Mastercard (Dave debit) |
| **Wallets** | Apple Pay + Google Pay via EMV tokenization |
| **Distinctive** | ExtraCash small-dollar advances; budgeting + "Side Hustle" gig listings; overdraft avoidance |

## Implementations & partners

**Operator**: **Dave Inc.** (NASDAQ-listed).

**Partner bank**: **Evolve Bank & Trust** (FDIC-insured account issuance).

**Competitors**: [Chime](https://docs.barcoder.ai/docs/wallets/chime), [MoneyLion](https://docs.barcoder.ai/docs/wallets/moneylion), [Current](https://docs.barcoder.ai/docs/wallets/current), [Varo Bank](https://docs.barcoder.ai/docs/wallets/varo) and other US earned-wage / cash-advance fintechs.

## Status

**Active + public** <sup>[1][1], [2][2]</sup>:
- **Dave Inc.** trading on NASDAQ (DAVE) since 2022.
- Cash-advance ("ExtraCash") + banking app for cost-conscious US consumers; partner-bank issued.
- Precise current member/financial metrics vary by quarterly filing; not pinned here (~).

## Sources

[1]: https://www.dave.com/ "Dave — official"
[2]: https://en.wikipedia.org/wiki/Dave_(company) "Dave — Wikipedia"
[3]: https://techcrunch.com/tag/dave/ "Dave coverage — TechCrunch"

- [1] [Dave — official][1]
- [2] [Dave — Wikipedia][2]
- [3] [Dave coverage — TechCrunch][3]

## Source

Biography extracted from [dave.md](https://docs.barcoder.ai/source/wallets/dave). See `matrix.md` for standards-support matrix if present.