Prismm is a fintech startup founded in 2020 by banking veterans Martha Underwood and Shella Sylla, designed to help banks retain inherited money within their institutions by streamlining asset transfers after a customer’s death. Inspired by their own family’s difficulties accessing financial information during a crisis, the sisters recognized a gap in estate planning infrastructure. Prismm integrates beneficiary designation and estate planning directly into bank accounts from the start, making it easier for heirs to digitally access and transfer assets remotely, even across different states.

The company offers two main products so far: Prismm Designate, allowing customers to update beneficiaries digitally and efficiently through their banks, and Prismm Anchor, a secure platform accessible via financial institutions for storing and sharing important documents and assets with designated family members. A third product, Prismm Continuity, is in development to assist bank staff and families step-by-step through the inheritance transfer process, reducing the administrative burden on surviving relatives and keeping the process within the bank’s control.

Prismm aims to solve the problem of "estate attrition," where banks lose billions in deposits annually as heirs move inherited funds elsewhere due to complicated transitions. By embedding inheritance workflows into the banking infrastructure and enabling proactive engagement with the next generation, Prismm hopes to preserve assets and customer relationships through generational wealth transfers, ultimately helping banks hold on to deposits and new depositors.

Presenting at TechCrunch Disrupt 2026, Prismm is gaining attention as an innovative solution that digitizes a traditionally manual and fragmented process. Its founders emphasize that their platform simplifies a complex, often overlooked financial transition, offering banks a strategic tool to improve customer retention and support families during difficult times by providing easy, secure access to critical financial information.