Most people carry more cards than they'd like — a debit card, a couple of credit cards, a loyalty card that never quite earns enough points to matter. Curve's answer is to put all of them behind a single card and a single app. Founded in London in 2015, it acts as a meta-layer on top of your existing financial products, letting you switch which card you're charging after a transaction has already happened — a feature it calls Go Back in Time. It's a genuinely clever piece of financial engineering that turns the fragmentation of modern banking into a product advantage. Curve has expanded across Europe, leaning into the open banking infrastructure that PSD2 made possible, and has added features like cashback, travel insurance, and a credit product. It doesn't replace your bank — it sits in front of it, which in a market where switching accounts remains rare, is a smarter distribution strategy than trying to win primary banking relationships from scratch. For consumers juggling multiple financial relationships, Curve is the layer that makes sense of the mess.