Cogni is a financial technology company specializing in digital banking and lifestyle services. The company offers a free checking account, a Visa debit card and a self-custody crypto wallet, aiming to simplify personal finance management and integrate traditional and Web3 financial services. Cogni's products are designed to provide secure, instant and fee-free transactions, along with tools for budgeting, spending categorization and early access to pay checks. It was founded in 2016 and is based in New York, New York.