Step.com is a financial technology (fintech) startup that offers a range of banking services aimed at helping individuals, particularly those under 18, build a positive credit history. The company operates in the fintech market, serving clients who are looking for accessible and user-friendly banking solutions.

Step.com's services are powered by Visa, providing users with built-in fraud protection and a Zero Liability guarantee for unauthorized charges. This means that users are not held responsible for unauthorized transactions on their accounts. The banking services are provided by Evolve Bank & Trust, ensuring that users' funds are FDIC-insured up to $1,000,000.

One of the key features of Step.com is its Credit Building Card. This secured Visa Card allows users to build a positive credit history, even before they turn 18. The company also offers a savings account with a 5.00% interest rate, provided users make a qualifying direct deposit.

Step.com also offers the opportunity to buy fractional shares of stocks, ETFs, and bitcoin with as little as $1, without any stock commission fees. This feature makes investing accessible to a wider audience, including those with limited funds.

The company makes money through a subscription model, with users paying $99 per year for the services. Additionally, Step.com earns revenue through interest on deposits and transaction fees.

In summary, Step.com is a fintech startup that provides accessible and user-friendly banking solutions, with a focus on helping individuals build a positive credit history.

Keywords: Fintech, Credit Building, Visa, Fraud Protection, Zero Liability, FDIC-insured, Savings Account, Stock Investment, Subscription Model, Transaction Fees.