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Imprint
Imprint was founded by Daragh Murphy to modernize a co-branded credit card market still dominated by aging bank infrastructure.
Imprint
Imprint was founded by Daragh Murphy to modernize a co-branded credit card market still dominated by aging bank infrastructure. Rather than reselling another institution's product, Imprint operates its own full-stack issuing platform — handling underwriting, compliance, and rewards logic for partner brands. Murphy's previous experience includes product leadership at Stripe and Apple, a background that informs the firm's technology-first approach. Imprint designs and operates co-branded credit cards, deposit accounts, and installment loan products for consumer-facing brands. Its portfolio includes the Shell-branded cards and programs for Rakuten, Booking.com, H-E-B, Westgate Resorts, and Eddie Bauer. The firm's underwriting engine uses cash-flow analytics alongside traditional credit data — a partnership with Nova Credit adds alternative data to its approval models. Imprint reports average application-decision speeds three times faster than the industry standard. It raised a $75 million Series C and subsequently secured a $300 million credit facility from Citibank, followed by a $500 million facility from Mizuho, Truist, and HSBC. Imprint employs teams in New York, San Francisco, and Bellevue. Equity backers include Thrive Capital, Kleiner Perkins, Ribbit Capital, and Khosla Ventures — a venture-capital syndicate that signals growth-stage scale. The firm holds SOC 2 Type 2 and PCI DSS certifications and participates in the PCI Standards Council. In 2025, Fast Company named Imprint to its most innovative companies list in both finance and personal finance; Forbes included it in the 2025 Fintech 50 and previously flagged it as a Next Billion Dollar Startup. Imprint's structural distinction is the combination of a proprietary core platform — "Imprint Core" — with direct balance-sheet credit facilities. Where most fintech card issuers depend on a sponsor bank's license and risk appetite, Imprint uses its own capital partnerships to fund receivables and retains control over the full product experience, from rewards configuration to fraud systems.
General information
Firm type
Asset Manager
Year founded
—
AUM
Undisclosed
Location
Region
North America
Country
United States
City
New York
Corporate office
Liberty Street, New York, NY, United States
Additional offices
San Francisco, CA · Bellevue, WA
Principals
Daragh Murphy
Founder & CEO
Livingston Miller
Chief Business Officer & General Counsel
Colin Groshong
Chief Capital Officer
Tyler Dibble
Chief Revenue Officer
Will Larson
Chief Technology Officer
Lalitha Rao
Chief Risk Officer
Taylor Lentz
Chief Product Officer
Sector focus
Frequently asked questions
Who runs investment decisions at Imprint?
Imprint is not structured as an investment firm; it is an operating financial-technology company. Capital allocation decisions are made by the executive leadership team, with Colin Groshong as Chief Capital Officer overseeing the firm's debt facilities and equity fundraising. The founder and CEO, Daragh Murphy, sets the strategic direction for deploying capital into product and partnership growth.
How does Imprint source its credit funding?
Imprint has built its lending capacity through institutional credit facilities rather than customer deposits. It closed a $300 million facility with Citibank, and in a subsequent expansion secured a $500 million facility with Mizuho, Truist, and HSBC. These warehouse lines fund the receivables generated by its co-branded card programs.
Does Imprint operate as a single family office or a venture firm?
Neither. Imprint is a venture-backed operating company that builds and operates co-branded financial products. Its equity funding comes from institutional venture investors including Thrive Capital, Kleiner Perkins, Ribbit Capital, and Khosla Ventures, but the firm itself is a product and technology company, not an investment vehicle.
What is Imprint's relationship with the brands it serves?
Imprint acts as the full-stack issuer and program manager for co-branded credit cards. Brands including Shell, Rakuten, Booking.com, and H-E-B partner with Imprint to design and launch customized card products. Imprint handles underwriting, compliance, transaction processing, and rewards management, while the brand leads marketing and customer acquisition.
How does Imprint's technology differ from a traditional bank issuer?
Imprint built its core processing platform — Imprint Core — from scratch rather than using a legacy third-party processor. The system integrates originations, ledgering, rewards, and fraud detection in a single codebase. The firm reports application-decision times three times faster than the industry average and maintains continuous engineering on-call availability.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
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