Top Financial Technology and Services Startups 2023

Founded in June of 2012, Coinbase is a digital currency wallet and platform where merchants and consumers can transact with new digital currencies like bitcoin, ethereum, and litecoin. Our vision is to bring more innovation, efficiency, and equality of opportunity to the world by building an open financial system. Our first step on that journey is making digital currency accessible and approachable for everyone. Two principles guide our efforts. First, be the most trusted company in our domain. Second, create user-focused products that are easier and more intuitive to use.

Launched out of Y Combinator’s 2009 Summer batch, Stripe is a global technology company that builds economic infrastructure for the internet. Millions of companies of all sizes now use Stripe’s software and APIs to accept payments, send payouts, and manage their businesses online. Stripe is a proud partner of YC companies—from Airbnb (S09) to Defog (W23)—to help them grow their businesses and increase the GDP of the internet.

Brex is everything startups need to scale from MVP to IPO. Our missions is to empower the next generation of businesses with an integrated corporate card and spend management software. We make it easy for our customers to manage every aspect of spending and empower their employees to make better financial decisions from anywhere they live or work. Brex proudly serves tens of thousands of growing businesses, from early-stage startups to enterprise leaders. Brex offers: - Corporate cards with 10-20x higher limits - Business accounts with easy wires - Reward options that include billboards, offsites, and coaching - Founder-friendly financial modeling tools - Bespoke, long-term capital solutions - Special events and masterclasses for founders - Advanced spend management software as startups grow

The journey of building the ecosystem from scratch started in 2014, when Harshil Mathur (CEO & Co-Founder) and Shashank Kumar (MD & Co-Founder) were working on a crowdfunding portal project for India, they soon realized that most of the online payment gateway solutions were extremely cumbersome to get started on, especially for startups and SMEs. The company was surprised to see that the simple process of accepting payments was not streamlined. So they went about building an ecosystem from scratch with a hyperfocus on making the lives of businesses simpler and that's how Razorpay was born. The company witnessed the dismal state of the online payments industry in India and understood that they have a larger and more important issue to solve - democratizing payments for Indian businesses, particularly the underserved market, the SMEs. Razorpay today powers online payments for 34 of the 42 startups in India that became unicorns in 2022. Razorpay enables payments and banking solutions for over 10Mn businesses, including the likes of Facebook, Airtel, Lenskart, Mirae Asset Capital markets, Indian Oil, National Pension Scheme, TataConsultancy Services, Swiggy, CRED, BookMyShow, Ola, Zomato, Swiggy, ICICI Prudential among others. The core premise of the vision and values that Razorpay was founded in 2014 is the same as the organization practices today. It is to make money movement simpler and easier. Razorpay is on the path of building the Central Nervous System of Digital India, the next-gen payments and banking infrastructure for Digital India. The company will continue building an ecosystem that will not just build intelligent products that will make the lives of businesses easy and efficient but also drive financial growth and innovation for small businesses. All this is being done, together, in collaboration with banks, regulators, and stakeholders so that India can build a better place for doing business. Razorpay’s valuation jumped from $1 billion to $7.5 billion in just 14 month in 2021 and has added a host of marquee investors to its captable. Razorpay is also the second Indian company to be a part of Silicon Valley’s largest tech accelerator, Y Combinator. Marquee investors such as Lone Pine Capital, Alkeon Capital, TCV, GIC, Tiger Global, Sequoia Capital India, Ribbit Capital, Matrix Partners, Salesforce Ventures, Y Combinator, and MasterCard have invested a total of $741.5 Mn through Series A, B, C, D, E and F funding. The last financing round of Series F led the company’s valuation to $7.5 Billion signaling one of the fastest increases in valuation for an Indian Unicorn. Razorpay plans to further scale up its Business Banking Suite, RazorpayX, and again build new banking solutions in 2023 that will help businesses focus less on handling compliance, operations and more on growth. This commitment to make lives simpler will continue at a much deeper level now, thanks to the opportunity to make acquisitions with like-minded companies. In total, till date, Razorpay has made seven acquisitions over the course of time: Acquired Ezetap in 2022 - India’s leading offline POS company, PoshVine in 2022 - India’s leading fintech startup that provides payments-linked loyalty solutions to payment networks, banks, and businesses, IZealiant in 2022 - A mobile-first, API-enabled, and cloud-ready payment solution and made its first international foray in South-East Asia by announcing its acquisition of Curlec in 2022 - A Recurring revenue platform. TeraFin Labs in 2021 - the AI-based SaaS platform that facilitates digital financing solutions. RazorpayX Payroll in 2019 - a Payroll and HR Management Software company, to solve for seamless automation of a business’s entire payroll process, and Thirdwatch in 2019 - an Artificial Intelligence (AI) driven company specializing in big data and machine learning for real-time fraud prevention. Customer has always been at the core of all disruption that the company does, from addressing evolving needs to delivering new solutions: - This hyperfocus helped bring Razorpay’s several Industry first innovation into the market since 2014. Razorpay became the first to launch completely digital on-boarding process for startups, first to launch support for UPI, first to launch support for Bharath QR, first to introduce recurring payments for businesses through Razorpay Route, automating payment receipts and later automating payouts and making the entire process seamless and optimized and many more were introduced aling the way. Other firsts include: - First to launch India’s Multi-Network Tokenisation solution, TokenHQ - Razorpay became India’s first payment gateway to support credit cards on UPI - Razorpay also became India’s largest omnichannel payment gateway for businesses post acquiring Ezetap which is India’s leading offline POS company that was founded with the aim to simplify the in-person offline payments experience. - Razorpay expanded health insurance policy to include LGBTQIA+ and Live-In Partners- This industry-first move made Razorpay the first Fintech unicorn in India to introduce a thoughtfully diverse and highly inclusive insurance policy for its team members. The new insurance policy, introduced recently, is applicable to all current team members of Razorpay.

YC has written a good overview of our business on their blog: https://blog.ycombinator.com/monzo-makes-money-work-for-everyone/ Our mission is to make money work for everyone. We are the UK's leading digital bank for individuals and businesses, reinventing the traditional banking industry one customer at a time. We're relentlessly mission driven and always put our customers first - from what products we chose to launch next to our transparency and use of simple language. With a Net Promoter Score of 70+, it shows. From our founding in 2015, we now have over 7 million customers in the UK (13% of UK adults) and are building out our team in the US. We've seen incredible organic growth, acquiring 150,000 customers / month in 2022, with 80% of this coming from word of mouth. Our weekly active user rate is ~60% and ~40% of our active users use us as their Main Bank account, showing that we are a product that is embedded in our users' daily lives. We've grown to ~2,450 staff (~400 of which make up the product/tech team), and are backed by YC, Stripe, Tencent, Mike Moritz, and others. Internally, we encourage an open, collaborative, and inclusive working environment - we were voted the #1 startup where people in the UK want to work for the second year running in 2022. We contribute to open source software, and we continually engage with our wonderful community. We're hiring talented, creative problem-solvers to help us build the bank of the future. Join us!

At Flutterwave, we are on a mission to build payments infrastructure to connect Africa to the global economy. We do this by building technology, tools, and infrastructure for businesses and banks who want to provide a more seamless and secure payments experience for their customers. Founded in 2016 by a team of African finance and technology veterans from Standard Bank, Angela, PayPal, Google Wallet amongst others. Flutterwave has grown to become one of the fastest growing payments companies in the world. Since inception Flutterwave has processed close to $20 billion in payments and 100 million transactions across over 33 African countries where it currently operates. It has attracted significant investment from experienced Fintech investors such as Ycombinator Continuity Fund (investors in Stripe), Greycroft (investors in Braintree and Venmo), Greenvisor Capital, Omidyar Network, and Glynn Capital amongst others. In 2017 Flutterwave was named Africa’s best fintech company at the Apps Africa Innovation Awards.

Xendit provides payment solutions that simplify the payment process for businesses in Southeast Asia, including Indonesia, Philippines, Malaysia, Thailand and Vietnam from SMEs, e-commerce startups to giant corporations. Xendit provides a secure, easy-to-integrate payment system, and seamless payment experience supported by great customer service. With a diverse range of products, Xendit’s system can accept payments from virtual accounts, credit and debit cards, eWallets, retail outlets, and also online installments. With our aim to build Indonesia and the Philippines’s payment infrastructure, Xendit is on its way shaping the next generation of unicorns by empowering startups to grow exponentially through the products we offer. Xendit is licensed and regulated in multiple countries in Southeast Asia

Groww offers a new way of investing money. We leverage technology and expert financial knowledge to make investing extremely simple yet rewarding for people. An ex-Flipkart team backed by Y Combinator, Sequoia, Propel Ventures, Kauffman Fellows and Insignia Ventures.

At GoCardless we believe that bank payments are the best way to pay and get paid. We help businesses collect both recurring and one-off payments, without the chasing, stress or expensive fees. We’re building a global bank payment network that lets people make and collect payments straight from their bank account, across multiple countries and currencies. 75,000+ businesses around the world trust us to power their payments. We enable them to collect payments from 30+ countries, processing over $30 billion each year. Our suite of add-on products are helping businesses face their payment challenges head on. From automatically recovering failed payments, to challenging charge backs and fighting fraud - all without compromising their customer’s payment experience. Our open banking leadership unlocks the ability to make and accept direct bank payments confidently and securely. And our acquisition of Nordigen means we’re also helping businesses make faster and more informed decisions by accessing and generating insights from their customers’ bank account data. We’re also backed by some of the world’s leading investors including Accel Partners, Bain Capital Ventures, Balderton Capital, GV (formerly Google Ventures), Notion Capital, Passion Capital, Permira and Salesforce Ventures. We're a global team, with offices in London, Paris, Riga, Melbourne and New York.

Newfront is transforming the delivery of risk management, employee experience, insurance, and retirement solutions by building the modern insurance platform. Transparent data delivered real-time translates into a lower total cost of risk and greater insights. Headquartered in San Francisco, Newfront has offices throughout the country and is home to more than 850 employees who serve clients across the United States and globally.

Jeeves is an all-in-one corporate spend and expense management platform for businesses in global markets including North America, Latin America, Europe, and the UK. Cash, corporate cards, and cross-border payments all run on the Jeeves proprietary infrastructure which allows companies to spin up their finance function within minutes. Jeeves can handle multiple currencies for payback. More than 3,000 companies across the world trust Jeeves with their financial payments tack. Jeeves has raised $380 million from Andreessen Horowitz, CRV, GIC, Tencent, Silicon Valley Bank, Stanford University, and Y Combinator to fuel its international expansion. Our product platform covers the following: 1. Jeeves Pay: Do you need to send capital calls between US & LATAM? Need cross-border payments that arrive as soon as the same day? Transfer money internationally to over 150 countries at competitive FX rates with Jeeves Pay. Payments arrive as quickly as the same day between North America, South America, and Europe. Credit line options available depending on region. 2. Jeeves Cards: Equip your team with globally-accepted physical cards for in-person purchases. Ship cards overseas for free or create virtual cards in seconds for secure, online purchases. Prepaid & credit options available depending on region. 3. Expense Management: Collect receipts through the mobile app, review expenses in real time, and streamline global reporting capabilities - all at no additional cost. Benefits include: -- Free built-in expense management tools -- No personal guarantees or contracts -- Unlimited cards and users for free -- No monthly fees or software fees -- Competitive cross-border payment pricing -- Spend and pay in your preferred currencies -- Business accepted in Brazil, Canada, Colombia, Mexico, the EU, the UK, and the US. Built for global companies. Loved by finance teams, including a large YC contingent. Join us today!

Building extremely affordable financial infrastructure for Africa.

[CoinTracker](https://www.cointracker.io) is a portfolio assistant for cryptocurrency. Used by over 1 million cryptocurrency holders with over $50 Billion in crypto assets on exchanges, it enables consumers and businesses to seamlessly track their cryptocurrency portfolio, investment performance, taxes, and more. Beyond cryptocurrency, we are building a general automated financial assistant for all financial assets.

Rocket Money (formerly Truebill) is a leading personal finance app that analyzes members' spending habits, identifies inefficiencies, and offers immediate methods to improve their financial health. It enables people to optimize their spending, manage subscriptions, lower their bills, and automatically set aside money to reach their savings goals. Truebill has saved members more than $100 million since 2016 and is headquartered in Silver Spring, Maryland, with offices in San Francisco. Truebill's mission is to empower people to live their best financial lives. Truebill offers members a unique understanding of their finances and a suite of valuable services that save them time and money - ultimately giving them a leg up on their financial journey. Truebill is backed by Accel, Bessemer Venture Partners, Eldridge Industries, and YCombinator.

We are a new guard wealth management platform, vying to be the default for our generation's wealth. We have investment products across every major asset class (stocks, venture capital, credit, crypto, etc.), ranging from actively managed (like Apollo Real Estate) to passive (like Titan's near-free robo advisor, cheapest in the industry). We have investment advisors available to all clients.

SmartAsset is a financial technology company that uses data to provide free, actionable advice for big financial decision. This includes issues related to home buying, retirement, credit cards, life insurance, student loans, refinance and checking accounts. At the heart of our service is a decision engine and optimization tool that measures the efficacy of different strategies, quantifies the true cost of financing alternatives and recommends specific financial products based on their suitability and cost to your specific situation.

Ajaib is an online brokerage that allows Indonesians to buy and sell stocks, ETFs and mutual funds. We are Indonesia's leading financial technology platform driven by a mission to educate the importance of investing for the future. Guided by the three principles; Everyone is an owner, a growth mindset, and a will to win, we aim to increase the number of financial inclusion within Indonesians through investment. Ajaib is committed to opening the door to access safe, trusted and affordable investment instruments. We transformed the way young generations invested when we first established in 2018. Today, Ajaib is the third-largest brokerage by the number of transactions in Indonesia, with over 1 million investors based on our platform and titled as the fastest-growing unicorn in South East Asia.

The trucking and logistics industry provides the backbone of the economy, but the payments infrastructure on which it runs is broken; the existing suite of payment tools is outdated, difficult to use, prone to fraud, and saddled with hidden fee structures. AtoB is building Stripe for Transportation — modernizing the payments infrastructure for trucking and logistics, where capital movement occurs quickly and transparently. Our flagship product is the AtoB Fuel Card, a zero-fee fuel card accepted anywhere built for fleets of all shapes and sizes.

Kalshi (www.kalshi.com) is the first federally regulated exchange where you can trade on the outcome of events. We built Kalshi because we believe that people should be able to capitalize on what they know and have opinions on. We make this possible by expanding what people can trade on and allowing them trade in the domain of everyday knowledge. Kalshi is developing a new asset class, “event contracts,” and a financial exchange for trading on the outcome of events: we are federally regulated by the CFTC as the first-ever legal futures exchange in the U.S. for trading on a broad category of events.

Replace your traditional ledgers with new digital Khatabook and Avail financial services like Lending for your business. Business owners can use the app to record credit (Jama) and debit (Udhar) transactions for their trusted customers. It is 100% Free, Safe, and Secure for all types of businesses to maintain their customers'​ accounts.

FAZZ is the leading all-in-one finance platform for businesses in Indonesia and Singapore. We are a b2b neobank with payment acceptance capabilities. The company is the market leader among underbanked segments such as warungs / startups and is building a super-app to serve mid-market and enterprise clients. Core features are: * Accept payments (e-wallet, bank transfer, credit card) * Business Cash Account (earn 4% interest) * Transfer / Pay (payment API's, corporate card, invoice processing via software) * Lending (instant settlement, invoice financing) * Value-add SaaS (inventory management, expense management) FAZZ processes more than $6 bn of annualized GTV for companies of all sizes (from warungs to fortune 500s) and has achieved $25 mm of annualized Revenue. The company has raised over $74 mm USD from top tier global investors such as Tiger Global, DST, Y Combinator, B Capital Group, and Insignia Ventures. The founders are ex Amazon, Grab, Quora, and Traveloka.

Vouch is business insurance for high-growth companies (from garage to IPO). In under 10 minutes, founders and finance teams can apply for coverage customized for their startup and industry vertical. Vouch offers 10+ lines of proprietary coverage, from General Liability, EPL, D&O, to Cyber policies. As the underwriter of these insurance policies, Vouch removes any hidden third party fees, and handles all of the paperwork from start to finish. Vouch is live in the US and works with thousands of start-ups, including hundreds of YC backed companies.

Jerry makes it really easy to save time and money on car expenses. The car ownership super app first launched its AI- and machine-learning-based car insurance compare-and-buy service in 2019. Today, Jerry serves more than 3 million customers as a licensed insurance broker and an authorized auto refinance provider, while also offering free telematics-based driver safety and repair estimator services. The fastest, easiest and only automated way to compare and buy car insurance, Jerry gives you customized quotes from more than 55 insurance carriers in 45 seconds. Customers skip all the long forms and unwanted human interaction while Jerry hunts for better rates and completes the transaction, saving more than $800 per year. In 2022, Jerry launched its auto refinancing marketplace, which can help customers lower their monthly car payments, on average, by $118 dollars. Jerry is scaling its car insurance and auto refinance products and expanding its marketplace into new categories, removing friction from additional car ownership needs. Jerry will be the only app car owners need to manage all their car expenses. Headquartered in Palo Alto, the company has offices in Toronto, and Lockport, NY, and has removed physical location from recruiting restraints to attract talent.

Alpaca is an API infrastructure and licensed financial services company that allows developers and businesses to offer stock and crypto investing to their end-customers. We work with more than 100 companies across the globe to enable their investing products, and our mission is to provide financial services to everyone on the planet. Alpaca’s globally distributed team consists of developers, traders, and brokerage business specialists and backed by a group of well-capitalized investors including Portage Ventures, Spark Capital, Tribe Capital, Unbound, Social Leverage, Horizons Ventures, Y Combinator as well as highly experienced industry angel investors and founders. We are also very tech-enthusiastic with notable track records in open-source and startup communities.

Founded in June 2019 and based in Singapore, Spenmo is building the only software you need as a business to manage payables. From bill payment, corporate card, local and international transfer, to employee’s expense claim, Spenmo helps companies streamline their AP processes with our technology. Before Spenmo, AP staff were drowned in manual work and struggled to reconcile all their spending on time. Not anymore. Thousands of businesses are now using Spenmo to payout their AP, track and categorize spend, and close their books on auto-pilot in 90% less time. On average, finance teams who use Spenmo save over 50 hours and $10,000 every month.

Our mission is to simplify finances, save money and time for millions of Indian businesses and people. We are a technology company that builds trusted, useful and insightful platforms for our clients to run their finances and improve their relationship with money.

Sendwave's mission is to make sending money as easy and affordable as sending a text. Our app sends transfers securely from North America and Europe to Africa, Asia, and the Americas at great rates.

Aspire is the all-in-one finance operating system for businesses. We help companies pay, manage, and earn smarter - by doing more than a bank, bookkeeper, or rewards program could ever do alone. Our mission is to empower the next generation of entrepreneurs with the financial tools they need to realise their company’s full potential. We believe that if we can empower business owners to be successful, they will go on to make a meaningful impact to the communities we are all part of.

Balance is the easiest way for B2B marketplaces, merchants, and service providers to process payments online. We raised our last funding round from Lightspeed, Stripe, and Max Levchin to build 'Stripe for B2B'. Balance offers the first business checkout, enabling business customers to pay How they want (check, card, bank) and When they want (net terms, payment plans, invoice payments). this is achieved while the seller receives the funds instantly and easily like card payment.

Ledger Investing provides an exciting opportunity for asset managers, pension funds, hedge funds, family offices and other institutions interested in earning a great return through insurance investing. The company deploys proprietary software and data analytics covering many types of insurance risk portfolios. The technology enables insurers to securitize risk more efficiently while providing investors, asset managers, pension funds, hedge funds, family offices, and other institutions an opportunity to invest in a new and growing asset class. Ledger Investing was founded by Julien Brissonneau, Aymeric Rabot and Samir Shah in 2016.

[Delphia](https://delphia.com/) is building a new kind of asset manager that rethinks the value of data and how it can be used to gain an edge in forecasting markets. We believe that actively managing people’s data can unlock new forms of wealth creation for individual and institutional investors alike. To create the next [Millennium](https://www.mlp.com/) (and eventually, [Blackstone](https://www.blackstone.com/)), you need each of the following; 1. A captivating reason for people to connect their data ([in beta](https://abr.ge/k4xqep)) 2. A way to automate data extraction from aggregators ([acquired](https://www.prnewswire.com/news-releases/delphia-strengthens-data-rights-with-acquisition-of-fathom-privacy-301696745.html)) 3. A cooperative way to ensure "fair trade" compensation for data ([built](https://www.supersetdao.com/)) 4. A way to reward data contributors transparently and irreversibly ([on pause](https://www.coindesk.com/business/2022/09/28/algorithmic-stock-platform-delphia-debuts-digital-asset-component/)) 5. A way to discover investment managers with uncorrelated alpha ([open sourced](https://github.com/charliereese/investos)) 6. A way to help investment managers make use of our data advantage ([partnered](https://covariance.ai/)) 7. A way to access to stock order flow that has net benefit to retail investors (coming soon) 8. Capacity rights in investment strategies whose returns improve with data ([first of many](http://www.oraclealpha.com/)), and 9. A secure training environment for third-party ML models (the goal of our next venture round) If our thesis bears out, the $7 billion alternative data industry ([$135 billion by 2030](https://explodingtopics.com/blog/alternative-data-market)) may be in for a Cambrian explosion that has yet to be priced in. Being able to acquire ground truth cost-effectively using first-party data, and thus being able to forecast fundamentals more accurately, is the key to attracting the world's best investment ideas to a platform. People at Delphia are socially-minded creatives at heart. Our teams are continually researching, iterating, and solving hard problems in order to generate new forms of economic returns. Our multi-disciplinary team was founded in 2018 and is a graduate of [Y Combinator](https://ycombinator.com/) and the [Creative Destruction Lab](https://creativedestructionlab.com/). We’ve raised three rounds of funding ([~$80 million](https://www.crunchbase.com/organization/delphia)) to date.

Founded in 2017, Treasury Prime is an embedded banking software platform connecting enterprise companies to a vast marketplace of banks and product partners to launch next-gen payment ecosystems on their platform. Our banking API offers the quickest, most secure way for fintechs and banks to partner, integrate and build modern financial products and increase revenue streams. We power enterprise-class embedded banking solutions for a range of complex services including money transfer, risk mitigation and integration with bank infrastructure. It's these leading-edge capabilities that helped the company to win Best Banking-as-a-Service Platform from Tearsheet in 2021 and 2022. The company was also named to CB Insights’ annual 2021 Fintech 250 list.

Plate IQ makes accounts payable simple. Automated accounts payable software replaces manual data entry by digitizing your invoices down to the line item, automatically assigning them your proper GL codes, syncing the information to your accounting software, and providing analytics around purchasing. Plate IQ also offers one-click bill pay, inventory, and cloud-based data storage that allows businesses to go paperless.

Drip is a digital trade finance startup. Trade finance is an age-old paper-based industry dominated by banks that focus on large, established corporate customers. Today, however, small businesses account for 40% of trade, but still remain neglected by banks. Drip is using technology to re-build core parts of the trade finance infrastructure and make the underwriting and financing of B2B transactions seamless for small businesses. Our mission is to level the playing field for small businesses and to finance their trade at the click of a button. Drip consists of experts in both finance and technology and has offices in Palo Alto and Mumbai. Drip is backed by top tier investors Accel, Sequoia, Wing, Initialized and Y Combinator.

Nova Credit is a consumer-permissioned credit bureau with two products that help businesses make more fair and informed decisions on millions of ‘thin file’, no credit history, or new-to-country applicants. The Credit Passport® unlocks cross-border credit bureau data to help businesses underwrite new-to-country newcomer populations. The Cash Atlas™ provides greater insight into the cash flows of any applicant, including verifying their income with greater precision than alternatives. Businesses use these products to approve more applicants without taking on more risk, and consumers are empowered to put their best foot forward in their applications. The company’s differentiated data sources and proprietary analytics are used by leading organizations like American Express, Verizon, HSBC, SoFi, and Yardi. Nova Credit is backed by investors including Kleiner Perkins, General Catalyst, Index Ventures, and Canapi as well as executives from Goldman Sachs, JPMorgan, and Citi. Learn more at www.novacredit.com or reach out to connect@novacredit.com.

We're building the one-stop shop for creator finances. Your favorite digital creators—the ones you follow every day on YouTube, Instagram, TikTok or Twitch—aren’t just extraordinarily talented personalities and community builders. They’re also businesses. That means they have business needs—managing revenues, expenses, savings, credit, banking. We’re building products that help creators spend less time worrying about finances so they can focus on creating.

Today, over 50 million SMBs issue informal credit in India, This is a hugely manual process which they spend hours tracking, reconciling, and collecting! The 50M SMBs in India account for 40% of the nation’s GDP. As much as 60% of their sales happen on credit. That’s ~24% of the country’s GDP (500B$) lying on paper! OKCREDIT as a company came into existence to start solving the most important problem of credit recovery in MSMEs. We as first movers developed a bookkeeping app that would help any merchant sitting at the remotest corner of the country with internet connectivity to record his transactions digitally. We helped them track the credit given to their customers and suppliers. With our Okcredit app a merchant can track the amount of credit given, monitor credit limit, send reminders and eventually can collect faster from their customers. So as a company our vision was to bring the data dark merchants onto the digital platform. We have changed the way the MSMEs record the transactions and eased their life today.

Fondeadora is the digital alternative to the traditional Mexican banking system. We know that the current system is broken and we want to fix it. Our mission is to free people from their banks by giving them back control over their money. We want to serve the 54 million Mexicans who are unhappy with their current banks and the 65 million of Mexicans who currently do not have a bank account. Our first product is a mobile banking app and an international Mastercard debit card so you can spend, store and move your money seamlessly, completely fee-free. Join us in this magical mystical ride.

WePay is a multi-party payments API for SMB SaaS, POS Platforms, and Online Marketplaces. It was acquired by JPMorgan Chase in 2018.

The charge card with access to coveted experiences.

Take your business to the next level

BukuWarung is SEA's fastest growing startup and we are building digital infrastructure for 60 million MSMEs in Indonesia. BukuWarung's vision is to empower 60 million MSMEs in Indonesia to become financially aware and enable them to manage and grow their business using our technology platform, starting with bookkeeping, online storefront and payments. BukuWarung has raised $80M from top tier VCs globally: Peter Thiel's Valar Ventures, Goodwater Capital, Y-Combinator, Rocketship.vc, AC Ventures, Quona Capital, East Ventures, Golden Gate Ventures, SoftBank Partners, DST Global Partners, and strategic angel investors from Stripe, PayPal, Plaid, Grab, Gojek, Facebook, AirBnB, Fast, Mastercard.

Axoni is a New York-based technology firm that builds multi-party workflows and infrastructure for some of the largest financial institutions in the world. Founded in 2013, the company offers core data infrastructure, application development, and automation tools.

Compound empowers people who work in tech to make better financial decisions so they have the freedom to focus on what matters most.

Cashfree is a next-generation payments company for Indian businesses. Cashfree helps 50,000+ businesses collect and send money with solutions such as an easy to integrate payment gateway that supports instant settlements & refunds; Payouts - an API banking platform for bulk disbursals; a split payment solution for marketplaces; a Bank Account Verification API; a dedicated UPI stack for businesses and Auto Collect - a virtual account solution to match inbound payments to customers. It counts Xiaomi, Tencent, Zomato, Zoomcar, Cred, Club Factory, Shell, Google-backed Dunzo as well as donation platforms like Ketto and Milaap amongst its customers. Cashfree works with all leading banks to build the core payments and banking infrastructure that powers Cashfree’s products. Cashfree is also integrated with major platforms like Shopify, Wix, Paypal, Amazon Pay, Ola Money and Google Pay.

LTSE partners with companies across their lifecycle to help them grow and scale from formation through IPO. The Long-Term Stock Exchange (LTSE) is an SEC-regulated national securities exchange designed to align great companies and long-term investors with the shared goal of value creation. They have assembled a world-class team of experts and advisors with deep expertise in finance, regulation, law, and technology. At every stage, from private investment into the public markets, strategically managing equity and a company's cap table has an outsized impact on long-term success. So in addition to the exchange, LTSE also built LTSE Equity, a full-lifecycle cap table management solution for planning, managing, and collaborating on startup equity. Eric Ries, an entrepreneur and author of the New York Times bestseller, The Lean Startup, is the founder of the LTSE. Eric is the creator of the Lean Startup methodology, a global movement and management philosophy practiced by companies large and small. He founded a number of startups, including IMVU, where he served as CTO, and has advised on business and product strategy for startups, venture capital firms, and large companies, including GE, partnering with them on the FastWorks program.

We allow people to invest. We manage USD 750m from +90,000 customers. We are regulated in Mexico and Chile.

OpenInvest is the first technology-backed, socially responsible investment asset management platform that aligns your investments with your values. OpenInvest’s proprietary technology seamlessly creates low-cost investment portfolios tailored to your values, while tracking market indices. A mission-driven company, OpenInvest was one of the first VC-backed Public Benefit Corporations.

We are building a global safety net for nomads and remote teams. That includes health, disability and pensions, available globally.

Apto Payments provides a white-label, turnkey solution to launch innovative, user-first, card programs. Our technology empowers our customers to issue Visa and Mastercard, physical and virtual, card programs. We have both a developer-first, Instant Issuance Platform, as well as an enterprise solution for bespoke opportunities.

Paystack is a small and vibrant family working across Lagos and San Francisco. We enable businesses to accept payments via credit card, debit card, money transfer, and mobile money, directly from their website or mobile app.

Slash lets anyone over the age of 13 create a business bank account without an LLC in less than 10 minutes. Our mission is to eliminate all the friction involved with starting and running business, and empower the next generation of entrepreneurs to build their own future in the process. Still in beta, thousands of young entrepreneurs that have side hustles reselling, flipping NFTs, and running e-commerce sites use Slash's tools to run their businesses. Slash is backed by NEA, Menlo Ventures, Stanford University, the founders of Tinder and Plaid, and other amazing angels and funds.

Treinta is a digital ledger app for Latin American microbusinesses with over 5 million users across 18 countries. Through Treinta, users can easily record transactions by assigning products from their inventory and see how their business metrics evolve in real time. Users can also access a B2B marketplace and digital payment solutions.

We help everyone invest in startups that they care about. We believe that when all Americans can invest in innovation, the world will be a better place. And soon, our dream will become a reality. Thanks to the JOBS Act, everyone — not just the wealthy — can invest as little as $100 in the startups they care about. Not only does this open up the pool of investors, and increase the amount of great ideas that get funded, but it allows startups to grow an army of passionate investors who truly want to see them succeed. Second tier VC’s will become obsolete as startups tap their lead users and customers for quick early investments.

Nomba provides Banking and payment to 200k+ small business in Nigeria through point of sales solutions.

We are Belvo, a financial API platform for Latam that enables any company or developer to access and interpret their end-users' financial information, through one easy-to-use API. Think Plaid for Latam. Our vision is to power the next generation of financial services in Latam by enabling more inclusive, efficient and empowering offerings through tech and data. Latam is a very exciting and dynamic place to be right now and a great place to build infrastructure for the next generation of financial products for a huge market.

Moonshot Brands is building the world’s largest - next-generation CPG (Consumer Product Goods) e-commerce company. We look for profitable e-commerce companies on Amazon or selling DTC on Shopify, purchase them from the founders giving them liquidity for their biggest asset, then turbocharge the growth with our proprietary data-driven technology platform and team. We scale e-commerce brands globally.

PayMongo builds products and tools that enable thousands of individuals and businesses in the Philippines to make and receive payments over the Internet. We support payments through credit or debit cards, electronic wallets, over-the-counter payments and many more. We build robust APIs, plugins and other products that abstract out the complexities of payments from our users so they can get up and running quickly and focus on their business. Our investors include Founders Fund, Peter Thiel, Bedrock Capital and Stripe.

FutureAdvisor is an award-winning digital wealth management firm serving client households nationwide from our offices in San Francisco. We use software to power a wealth management experience accessible to everyone, at less than half the price charged by traditional firms. Our clients are the mass-affluent investors underserved by traditional financial advisory and wealth management firms. FutureAdvisor is leading a shift in financial services towards transparency, convenience and inclusion. FutureAdvisor is looking for engineers to help build better portfolio management tools for everyone. Our unbiased financial advice is giving middle- and working-class families powerful tools they never had access to before, and they're free. If our mission strikes a chord with you, please send us your resume: https://www.futureadvisor.com/jobs Social Media Community Policy: Content posted here by third-parties about FutureAdvisor remains the responsibility of the party posting the content, and is neither endorsed by FutureAdvisor nor representative of FutureAdvisor's viewpoints. Any opinions or statements posted by third parties are their own, and may not be indicative of others'​ experience or future performance or success. FutureAdvisor does not endorse or adopt any content on a third-party site linked to from this page. At its discretion, FutureAdvisor may remove any content containing violations of securities regulations; lewdness, personal attacks or obscenity; comments irrelevant to the topic at hand; or unsolicited advertisements and spam.

With FamPay, minors can do UPI, P2P and card payments without the need to set up a bank account. FamPay allows parents to send money to their kids below the age of 18, which they can spend securely any time, anywhere, under parent’s supervision. FamPay aims at making payments smooth and fun for children.

We at Karbon Cards provide corporate credit cards, vendor payment solutions and forex outward remittance products to Indian companies. We partners with banks and other FI's to provide comprehensive spend management and working capital solutions. Companies qualify for credit via a liberalized startup friendly underwriting process. For those do not qualify, we provide payments option where companies can top up and use card/vendor payment solutions.

AI Insurance is the platform that small-to-midsize insurance companies use to run every part of their business. Before we showed up, they used spreadsheets and filing cabinets – wasting as much as 60% of revenue on administrative expenses. We’re doing what Salesforce did for SMB sales teams, but we’re tapping into the over 10,000 insurance companies that waste $238 Billion dollars annually.

Terrace is a regulatory-compliant, all-in-one institutional-grade trading UI / terminal and infrastructure layer for DeFi (lending, staking, liquidity, borrowing, exchange, and derivatives). Terrace offers a curated, security-verified selection of DeFi pools across protocols and multiple blockchain networks with seamless money movement through both a set of APIs and a user interface. We handle custody, money movement, execution, and reporting and provide continuous security and compliance monitoring (everything except investment decisions) so investors can focus on investing.

AiPrise allows fintech companies to integrate with multiple identity vendors through a single platform. Companies like Amal Invest use us to integrate with local vendors and comply with regulations in over 100 countries.

Hedgehog is a crypto robo-adviser that manages your funds in broad baskets of digital assets covering up to 85% of crypto's market cap. We already have 15k users monitoring $176m in crypto assets and over $548k in GTV on our V1 product, we have completed our exit interview with the SEC as of 4/24, and our custodial product is now live in the App Store and Google Play.

We are building an AI co-pilot for marketing teams to grow faster while staying compliant with regulation

San Francisco-based BillForward a YCombinator company is comprised of talented and passionate folks who are excited by the challenges and opportunities of subscription billing. We offer a flexible and innovative billing platform, which gives any type of recurring-payment based businesses the ability to bill customers for sophisticated products and carry out in-depth revenue analysis. Launched in Jan 2013 the platform has already gained great traction in the Telecoms, SaaS, Product as Service and Platform as a Service industries, where product managers and CFO’s have realized that the ability to change their offering in hours, rather than weeks, can give them an edge on the competition.

BlueHill is like a marketplace for payment processors. Our product is an intelligent gateway routing platform that automatically reduces transaction fees on everyday credit card transactions by routing transactions to different gateways based on a variety of parameters. This allows merchants to get access to a wider variety of alternative payment methods while lowering their fees, improving transaction clearance rate all while still getting lower processing rates.

At Valari, we are on a mission to democratize access to financial services in LatAm, by allowing any company to launch fintech products and services. With our simple APIs, tech companies can easily embed a financial product in their platforms.

DolarApp lets people in LatAm (currently Mexico, Argentina and Colombia) dollarize their everyday finances. Users can go from peso to dollar USDc (and back) in seconds, save in USDc, send and receive payments in the United States without the hassle, top up their accounts with crypto and pay with an international Mastercard at the best rates. DolarApp was started by 3 ex Revolut guys: Fernando and Alvaro led the 2 largest P&Ls in Revolut (Crypto and Subscriptions), and worked in LatAm as consultants for BCG; Zach led the Crypto and Remittances products at Revolut, and started an identity verification startup using crypto years ago.

Arrow makes it easier and faster for sellers and shoppers to safely sell and buy online in Southeast Asia. It is first in Southeast Asia to provide brands a better, more profitable checkout experience for their shoppers. Arrow was created to partner with merchants to build consistent and seamless hyperlocal checkout experiences wherever their shoppers come across their brands.  Shoppers checkout securely with their preferred payment methods. They no longer have to set up new passwords, face multiple redirects or set up a new account every time they shop. Built specifically for Southeast Asia, Arrow works anywhere that shoppers prefer to shop from. Southeast Asian shoppers love the simple and hassle-free solution since almost everyone in this region shops on their mobile devices. With Arrow, merchants sell more of what they are selling; and shoppers conveniently and easily checkout wherever they shop.

The global cryptocurrency derivatives exchange Inventors of bitcoin VIX, the first low latency perpetual futures exchange and more

Crypto Wallets are currently too geeky for mainstream users. We are building CypherD Wallet to solve this and take the web3 browsing experience to mainstream users. We launched our beta app last month and the current wallet works for EVM chains and also has one of the world's first non-custodial crypto cards as an add-on. We also have built the world's cheapest EVM cross-chain bridge.

Fuse provides single API that integrates with multiple bank connection vendors, such as Plaid, MX, Teller, Finicity and Yodlee. Users can easily search for and select their bank via a drop-in component in your app, and then the most reliable bank connection vendor for that bank will be displayed. Fuse also provides a consistent data model for all bank integrations and handles the necessary data transformations and API quirks for you. By using Fuse, companies can improve the reliability of bank connections, reduce disconnections, and support more banks.

Rio lets users buy and sell crypto and stablecoins in 5 minutes or less, using local payment methods in LATAM. We've built simple payment APIs and an iFrame so that companies can integrate them, and create better and more efficient products for LATAM users (ex. cross-border payments, wallets, remittances, etc.).

Nophin helps commercial real estate investors make sophisticated underwriting decisions faster with an AI copilot.

Stream automates the high-frequency, manual workflows in insurance claims adjudication. Our workflow automation saves adjusters time, drives actionable insights, improves the claimant experience, and produces better claim outcomes for the entire value chain.

OneText is disrupting SMS marketing and payments. We win incremental sales for direct to consumer brands by making every purchase as effortless as paying with your hotel room number. OneText shoppers literally reply and buy with one text. In our first year, we’ve onboarded 50 fast-growing e-commerce brands and have added as much as 14% in incremental revenue to their bottom lines. In March, we generated $597,000 dollars in payments. In April, we’ll book $50,000 dollars in revenue. Founders Jonathan Fudem/CEO and Daniel Brain/CTO met at PayPal Checkout where we designed and launched some of the world’s best checkout experiences. We left PayPal to build a payments company that actually helps merchants acquire customers and win sales. The CMO of our largest customer, a $90M clothing brand, says we have revolutionized marketing for his company, and are, quote: “the best thing that’s happened to SMS marketing in forever.” We are excited to share what you can do with OneText.

Yunit is the app for investment groups. We make it easy & safe for people to invest together directly from the group chat.

Building the first digital bank for the economically vulnerable starting with a mobile lending app for Mexico

Vendy Inc, a cutting-edge Financial Technology company registered in the U.S, and operating out of Nigeria, is on a mission to drive financial honesty in Africa. Vendy simplifies payment acceptance for businesses operating in Africa with its unified payment interface (UPI).

Striga is building infrastructure for digital assets and financial services as a single set of APIs doing the heavy lifting of security and regulatory compliance. Striga's customers include early stage FinTech's, Web3 innovators, Banking Institutions and Crypto Exchanges utilizing services spanning the range of Crypto Custody, Trading, Card Issuing and Banking. Building a crypto business today is a highly regulated space unlike a few years ago and maintaining a compliance program and building technology presents a huge barrier to entry for startups and mid-size businesses alike and the Striga platform solves the problem with a single set of APIs and a single contract to deliver services to 30 countries today.

Pagaloop helps business owners and persons in Latin America pay, get paid and extend cash flow using credit cards to finance expenses like rent, taxes, payroll and suppliers, via an extended network of relevant partnerships (federal/local governments, AMEX, HSBC, schools and universities, etc.). The Company provides a service in which a payment is made to a third party (that would typically not accept credit card as a payment method) in exchange for a fee of 4.7% (+ taxes). Additionally, Pagaloop offers payments in 3, 6, 9 or 12 months with an extremely accessible commission. All of those solutions without taking any underwriting risk, which remains at the issuer of the credit line.

Bloom's mission is to improve the financial outcomes of all Americans by giving them the knowledge and tools they need to achieve prosperity. Our first product is an investing app that teaches users how to build wealth through interactive financial lessons, a gamified rewards economy as well as an investing account designed for building long-term wealth. Since launching in April 2022, over 1 million users have joined Bloom and we have crossed $3MM in annual recurring revenue.

Zywa is the first neobank tailored for teenagers in the Middle East and North Africa. Through Zywa, teens are able to spend, receive and manage money without the need for cash, and they can also get rewards and interact with their friends. Using the app, parents can also send money to their kids, which they can spend securely in the safe environment of their parents’ oversight.

We offer up to 40% lower premium by focusing on the population which are either low mileage drivers or have good driving habits, representing a $7B market. Insurance penetration in LatAm is extremely low (30% for cars & 10% for motorcycles). This is because there is not an appropriate product for most vehicles (price, payment options, and distribution channels, etc.). We developed the tech to identify and offer affordable insurance for any vehicle (cars, motorcycles, bikes, scooters) based on mileage and driving habits. Then we added gamification, payment options for the unbanked population, and more.

We help companies embed lending services into their software so they can better serve their customers by helping them access capital, increase engagement in their product, improve retention and expand their revenue per user.

We are reimagining private wealth management today for the high net worth individuals of tomorrow. Our customers are founders, investors and professionals all over the world.

Payfura is a fiat<>crypto on/off ramp payment gateway for web3 applications. We are a bridge between fiat and crypto so web3 applications can seamlessly onboard users across different geographies with local payment methods. Key Features: - Currencies supported: 150+ fiat currencies, 100+ crypto currencies. - Regions supported: US, Europe, LATAM, SEA, Africa. - Payment methods: Credit/Debit cards, E-wallets, Bank transfers and many more. - Partner Dashboard: A powerful dashboard for partners to get detailed insights and analytics for their orders - Handle KYC and AML compliances of local regions. - API and SDK integration.

Experience an easy way to make Investments in Mutual funds in India. Easiest platform to make mutual fund investments in India. Because you need to make Investments, be it just to park your cash short term to earn better returns, or to invest for your goals or retirement, we've made an easy to use platform for you where you can invest in any fund in India in few clicks and have track your existing investments. Furthermore , you make investments without paying any middlemen commissions and make more returns . After all, It is your money. Don't pay too much to others when you can do it on your own. We're on both Android and iOS . download the app to get started https://piggy.co.in

Cambio is a mobile app that helps financially responsible consumers with credit recovery. We do this by identifying hurtful items from their credit report. Then fix errors on their credit report, settle and remove bad debt to increase members credit scores. Finally, we identify members who are at a turning point in their financial recovery, even if their credit scores don't yet reflect it. This enables us to offer opportunities to refinance high-interest auto loans, purchase their first home, and provide insurance services to meet their needs. 7 in 10 members see their scores increase in the first 30 days, with an average increase of 32 points.

On January 3, 2019, we launched Numero. We didn’t have customers. We didn’t even have code. But we did have an idea: what if we could build financial software that powers our democracy? Running for office is hard work – the outdated software that runs campaigns makes it even harder. We believe it doesn’t have to be that way. That’s why we built Numero, a modern financial platform that Democratic elected officials and candidates at all levels of public office can use to manage the $4.5 billion in annual contributions to their political campaigns. Our core product is a CRM software suite that includes a native mobile app, payment processor, referral tracker, and event management system to keep donations, pledges, and donors organized in a single place. We also just launched Electables – a grassroots fundraising platform enabling campaigns to reward their donors with unique digital collectibles. Every product we build saves our clients hours of work every week either via automation, smarter data processing, or even simply better UX. We also always build an embedded fintech component (e.g. we process payments on behalf of our clients) so that we earn revenue with every dollar our clients raise. Our mission is to change that painful process and liberate hard-working candidates, campaign staffs, and volunteers, letting them focus on their most important work: talking with voters and representing their constituents in their communities. Since our founding, we've served over 1,000 clients at every level from city council to US Senate (who have collectively managed $2B+ of contributions on our platform). And there’s much more room for us to grow. The US has more than 500,000 elected officials, and many more candidates run for office at all levels of government.

Bridgecard is the card issuer for Africa. We make it easy for any fintech company to offer their customers a card that will carry a Mastercard or Visa logo and will work anywhere in the world. Previously Tunde was building open banking APIs connecting Large banks in Nigeria to fintech companies. He also had to turn down a job at Google to build Bridgecard. Festus the CTO built the loan and retail management app at Trade depot (Salesforce for Africa). We've been working together and sharing the same room for over 10 years now.

Sleek provides B2C businesses with a custom browser extension that works on both mobile and desktop. With the extension, you can: - Auto-complete checkout for users with an Apple-pay-like experience tied specifically to your brand. - Offer Honey-like couponing to help your users save money. - Grant users extra cashback at 1000's of online stores, funded by Sleek. Your users spend time and money in the browser. With Sleek, you can be there for them.

SnapTrade is an API to connect retail brokerage accounts to any fintech app. We enable API access to real-time account data, historical transactions, and trading. This makes it possible to build new investing experiences with existing brokerage accounts, so users don't need to transfer and it's easier to get started.

Bluedot makes EV charging payment easier and simplifies expense management for drivers and fleets. They're growing 40-45% weekly and made $110K GMV last week. Over 50% of vehicles sold will be electric by 2030. The payments management infrastructure for EV charging and the expenses doesn’t exist at the moment. The founders operated 100+ EV charging stations, worked in companies like Zipcar, Bosch, and Mercedes, and faced this problem through their own experiences. They built a team with a strong fintech background and publicly launched their Bluedot card on Dec 14th, 2022. Bluedot has raised their pre-seed from Y Combinator, Axel Springer, Porsche, Ford, TechNexus, DRF, and Pritchard Automotive.