Found vs Lili: what each publishes
As of October 7, 2026
The published rules of Found and Lili, side by side: which industries each excludes or accepts, where owners must live, which countries each names, the licence each holds and the fees each publishes. Each answer links to the page that quotes the rule with the date we read it.
This is not a ranking, and the two names are in alphabetical order. Either provider may still decline your company because of its activity, where it is registered, where its owners live or which licence it holds. The free check applies the rules of every provider in our base to your answers.
Policy by industry
| Industry | Found | Lili |
|---|---|---|
| Crypto | No published rule | Depends on the activity |
| iGaming | No | No |
| Adult | No published rule | No |
| Unlicensed financial services | No | No |
| AI and SaaS | No published rule | No published rule |
| Forex and CFD | No | No published rule |
| Marketplace | No published rule | No published rule |
LiliLicence
| Licensee | Found | Lili |
|---|---|---|
| Licensee | Indie Technologies, Inc. (Found) · financial technology company, not a bank · banking services by Lead Bank (FDIC cert 8283), Member FDIC | Lili App Inc. · financial technology company, not a bank · banking services by Sunrise Banks, N.A., Member FDIC (FDIC cert 18561) · wire transfers by Column N.A., Member FDIC (FDIC cert 58224) |
| Regulator | FDIC (partner bank Lead Bank) · | FDIC (partner banks Sunrise Banks and Column) · |
Where owners must live
Found
The Account is available to United States citizens or lawful permanent residents of the fifty (50) United States (“U.S.”) or the District of Columbia who are at least eighteen (18) years of age, have a U.S. physical address or with military addresses (APO or FPO), and have a valid social security number or tax identification number.
Lili
No published rule
Rules about countries
Found
No published rule
Lili
Lili currently supports applicants with citizenship from 20 countries: Argentina, Australia, Bolivia, Brazil, Canada, Chile, China, Colombia, Ecuador, India, Israel, Mexico, New Zealand, Norway, Panama, Paraguay, Peru, United Arab Emirates (UAE), United Kingdom, Uruguay.
Argentina, Australia, Bolivia, Brazil, Canada, Chile, China, Colombia, Ecuador, India, Israel, Mexico, New Zealand, Norway, Panama, Paraguay, Peru, United Arab Emirates, United Kingdom, Uruguay
Fees
Found
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Found | Not stated | USD 0 | · Source |
| Found Plus | Not stated | USD 35 (or USD 315 a year) | · Source |
| Found Pro | Not stated | USD 80 (or USD 720 a year) | · Source |
Lili
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Lili Core | Not stated | USD 0 a month | · Source |
| Lili Pro | Not stated | USD 15 a month; USD 9 a month for the first 3 months; 30-day free trial | · Source |
| Lili Smart | Not stated | USD 35 a month; USD 21 a month for the first 3 months; 30-day free trial | · Source |
| Lili Premium | Not stated | USD 55 a month; USD 33 a month for the first 3 months; 30-day free trial | · Source |