Manifest Finance

Manifest Financial is a financial technology company that provides a digital banking management platform tailored for creators and entrepreneurs. Launched in April 2025, the company's mobile application is available on iOS and Android. The platform aims to solve financial challenges specific to the creator economy, such as managing multiple income streams, payment delays, and the lack of suitable services from traditional banks.

The company was co-founded by Michael J. Cavallaro and Manny Alvarez. Cavallaro has decades of experience in fintech, banking, and media, while Alvarez is a recognized fintech expert and the former California Banking Commissioner. Their combined expertise addresses the disconnect between creators' financial needs and the services offered by traditional financial institutions.

Manifest Financial operates on a B2B2C model, providing services to both individual creators and the platforms they use. For creators, the app offers tools to manage payments, track expenses, handle invoicing, and separate personal and business finances to simplify tax preparation. For platforms, the company provides embedded banking APIs to streamline creator payouts, reduce costs, and increase creator satisfaction. The company is not a bank but provides banking services and debit cards through a partnership with Grasshopper Bank, N.A., Member FDIC.

Keywords: creator economy, financial technology, business banking, mobile banking, payment solutions, expense tracking, invoicing, fintech platform, embedded finance, entrepreneur finance, digital banking, Michael J. Cavallaro, Manny Alvarez