Overview

• Nubank filed a formal application with the Office of the Comptroller of the Currency to operate as a national bank in the United States.
• The company frames the step as part of a strategy to evolve from a regional fintech into a global model.
• If the charter is approved, the U.S. unit could offer deposit accounts, credit cards, loans and custody of digital assets.
• Co‑founder Cristina Junqueira will serve as CEO of the U.S. operation and has relocated to the country full time.
• The planned board includes Roberto Campos Neto as chair, along with Junqueira, Youssef Lahrech, Brian Brooks and Kelley Morrell, with Klaros Group and Davis Polk advising the process.