Cogni is a financial technology company that offers a range of banking services through its mobile app. These services include free checking accounts with a Visa debit card, access to over 55,000 fee-free ATMs, cash deposits at retail locations, protection for account funds up to $250,000, and the ability to send money instantly between Cogni members. Cogni also offers a super wallet feature that allows users to hold and manage both cash and digital assets, such as cryptocurrencies and NFTs, in one place.