Another credit-focused startup that has been crossing over into digital banking is Upgrade. 

The coronavirus has pushed up Upgrade's product roadmap and to fuel expansion of its credit card business and launch checking accounts, the firm raised a $40 million Series D.

Upgrade is projecting it will generate $160 million of revenue in 2020, more than 2.5x 2019's revenues of $60 million. Upgrade also reports it has issued $3 billion in credit and consumer inquiries top 10 million since launching in 2017.