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Karat uses bank-grade security measures including encryption to keep account information secure. We maintain AICPA SOC 2 Type II accreditation, which certifies the safety and security of our systems. Two-factor SMS authentication is required on all accounts. Learn more about our security practices at trust.trykarat.com. Karat is a financial technology company, not a bank. Banking services provided by Grasshopper Bank, N.A., Member FDIC. The Karat Visa® Business Credit Card is issued by Cross River Bank, Member FDIC, and pursuant to a license from Visa️ USA.