Tern, Inc. is a Banking-as-a-Service (BaaS) and embedded finance provider that simplifies the process of launching credit, debit, and prepaid card programs. The company offers a white-label technology platform that handles the complex infrastructure, including bank partnerships, compliance, and network connections (like Visa and Mastercard), allowing other businesses to issue physical and virtual cards under their own brand. Tern's mission is to empower companies to build innovative financial products and expand their service offerings quickly and efficiently without needing to build the entire payment stack from the ground up.