Welcome to the Tearsheet Podcast. I'm Zack Miller.

If you’re like most people, you have too many cards in your wallet. Fintech entrepreneurs have tried to tackle this problem from a variety of ways — from new hardware solutions to developing reward programs so good that you wouldn’t want to use another card. No one has quite succeeded. In fact with all the challenger banks and metal cards out there, we have more options to weigh down our wallets than ever.

This is exactly the use case and problem Binji tries to solve. It’s hard exactly to describe what Binji is. First and foremost, it’s an innovative Bluetooth-enabled card that can load two dozen other credit cards onto it. And because it’s smart hardware, it can communicate with other apps, your phone and even has a small readout screen on the card itself. Binji’s been in development for over a year and includes a bunch of functionality like P2P payments and early access to paychecks.

Binji launches today and we sit with CEO Ryan Marquis and CTO Joe Callahan to better understand the Binji product and the problems it addresses.