Yeah you got the concept right. Check out the manifesto on the CardvCard site if you're interested in MSCHF's philosophy behind the whole thing. I was on the waitlist but never got a Card. MSCHF would occasionally put more money in the shared account so people could go race to spend it. Sounded so fun, too bad I missed out on that drop. It's over, and most drops don't get a redo. Source: over 2 years ago

Not entirely relevant to your question but monzo have US accounts, https://monzo.com/us/. Source: 11 months ago

In case you missed it, our Monzo US website also got a makeover! We still have big plans to make it easier to find resources you need to make managing your money easy. Be sure to watch this space. 👀. Source: 12 months ago

If you can't log in the help email is at the bottom of the US homepage https://monzo.com/us/. Source: over 1 year ago

I did some digging and found out that the most popular neobank, Monzo, in the UK came to the US and it seems incredibly promising! As a larger and more established Neobank, they are much less likely to sell out to big corporations (RIP Simple and One). They seem to have a lot of similar ideas One had and are even working on adding more, all based on live input from their users. The website is ... Source: over 1 year ago

So basically check out https://dasbudget.com/features and https://monzo.com/us/. Combine all those features and consider that Monzo has a public API that allows DAS Budget to get instant transaction updates from it. Source: almost 2 years ago