Cloak

Cloak is a Canadian fintech startup that provides a unique payments layer designed for everyday spending. Founded in 2026 and based in Toronto, Cloak allows users to generate a distinct virtual card for each merchant they engage with. This innovative approach ensures that each transaction appears under a single, neutral name on the user's bank statement, enhancing privacy and reducing the visibility of spending habits to banks and other parties. The service aims to offer a more discreet way to manage expenditures without compromising on the functionality of traditional payment systems.

Cloak'…