Financial Technology and Services Startups funded by Y Combinator (YC) 2024

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.

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.

Brex is the AI-powered spend platform for modern companies, from startups to enterprises. Combining corporate cards, expense management, travel, business accounts, and bill pay, Brex makes it easy to control spend before it happens with unprecedented efficiency and accuracy. Our mission is to empower employees anywhere to make better financial decisions, so we designed our platform to make expenses almost effortless with unrivaled automation of manual expense work and real-time tracking. Brex supports more countries and currencies than any other spend solution. Brex has tens of thousands of customers, including some of the most successful, high-growth companies, such as DoorDash, SeatGeek, Coinbase, ScaleAI, MasterClass, Indeed, Allbirds, and Superhuman. Brex offers: - Corporate cards with 10-20x higher limits - Business accounts with easy wires, same-day liquidity, fast global payments, and $6M in FDIC insurance - Reward options that include billboards, offsites, and coaching - Founder-friendly financial modeling tools - Special events and masterclasses for founders - Advanced spend management software as startups grow that includes global capabilities, travel, bill pay and more.

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.

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

Groww aims to empower people in India by making financial services simple, transparent and delightful. By leveraging technology, we build reliable and accessible financial services. Groww is India's largest stock broker (in terms of active NSE clients) and the largest distributor of mutual fund SIPs.

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.

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.

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.

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.

The journey of building Razorpay started in 2014, when Harshil Mathur (CEO & Co-Founder) and Shashank Kumar (MD & Co-Founder) witnessed the dismal state of the online payments industry in India then and understood that they have a larger and more important issue to solve. And That was democratizing online payments for Indian businesses, particularly the underserved market, Startups and SMEs. Over the last 9 years, Razorpay has evolved from a single-product company to a multi-product company, from an online payment gateway to India’s only full-stack financial solutions company, offering payments and banking solutions to businesses. Razorpay today is transforming age-old complexities and changing every known paradigm of money movement for disruptive businesses. Over the last couple of years, Razorpay’s growth has evolved to be an index of India’s digital economy. From a kirana shop in Kashmir collecting payments on our POS device to a textile exporter in Kanyakumari accepting dollars through our International Payments product, Razorpay has revolutionised how businesses have traditionally transacted and interacted with money. Razorpay became the first and only Indian fintech to build a full-stack international Payment Gateway ‘Curlec by Razorpay’ and evolved into a comprehensive provider of payment solutions, leveraging the synergy between cutting-edge technological capabilities and a profound understanding of the local payment ecosystem. The introduction of the new Curlec Payment Gateway aims to cater to a wide spectrum of businesses, expanding its reach to over 5,000 establishments. Be it for international expansion or solving for Indian businesses, for Razorpay, the customer has always been at the core of all disruption, from addressing evolving needs to delivering new solutions. This hyperfocus helped bring Razorpay’s several industry-first innovations into the market since 2014. Razorpay became the first to launch a 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 automate 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. Over the years, Razorpay’s valuation has jumped from $1 billion to $7.5 billion 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 has also made acquisitions with like-minded companies over the last 9 years. In total, till date, Razorpay has made eight acquisitions, Billme in 2023 - A Digital invoice and customer Engagement, Ezetap in 2022 - India’s leading offline POS company, PoshVine in 2022 - India’s leading loyalty and reward management platform, 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 payments platform. TeraFin Labs in 2021 - the AI-based SaaS platform that facilitates digital financing solutions, Opfin (Now RazorpayX Payroll) in 2019 - The payroll management solution and Thirdwatch in 2019, the first acquisition - The AI-powered fraud detection platform. All these efforts are being done in collaboration with banks, regulators, and stakeholders so that India can build a better place for small and big businesses. Today, Razorpay powers online payments for 76 Of 100 startup unicorns and millions of businesses in India. The core premise of what Razorpay was founded in 2014 and what it is today hasn’t changed. It is to make money movement simpler and easier, whether it is for businesses to receive money, send money, or manage money.

SmartAsset is an online destination for consumer-focused financial information and advice. Reaching approximately 59 million people each month (as of January 2024) through its educational content and personalized calculators and tools, SmartAsset's mission is to help people make smart financial decisions. Additionally, SmartAsset powers SmartAsset AMP, a national marketplace connecting consumers to financial advisors. Building on SmartAsset’s relationship with millions of investors, SmartAsset AMP connects financial advisors directly with prospects who meet their target client profile. Our algorithm matches consumers with up to three fiduciary financial advisors. In 2023, SmartAsset helped advisors close an estimated $34 billion.

Launched out of Y Combinator’s 2009 Summer batch, Stripe is a global technology company that builds economic infrastructure for the internet. Businesses of every size—from new startups to public companies—use our software to accept payments 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.

Building extremely affordable financial infrastructure for Africa.

Whiz revolutionizes the way you manage finances, providing innovative solutions for a wealthier future—where your money earns more, fully insured by Indonesia Deposit Insurance Corporation (IDIC). Join us on this journey toward financial empowerment.

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.

Under "Buy Now, Pay Later" business model, Wibond is a 100% flexible digital payment method enabling the 200 million underbanked consumers without credit cards to shop online for the first time. We integrate directly into the purchase flow of online merchants, and we offer consumers a credit, when they have already made up their mind that they want to acquire a specific product. We provide financial and digital access to a large community of people offering payment options according to their possibilities and profile. Wibond is an inclusive and simple solution: - Consumers can create their free account to quickly access and pay without banks, in installments, and without a card. - Merchants with e-commerce channels increase their sales and integrate Wibond in a very agile way by offering a new form of payment and expanding their markets. We’re also integrated in the purchase flow of more than 500 merchants, including Samsung, Musimundo (one of the Biggest retailers in LATAM) , and Motorola. And up to 65% of the payment transactions on these sites go through us.

Bree is building a challenger bank for the 11 million Canadians living paycheck to paycheck, starting with interest-free cash advances. We make money through tips and an optional, same-day express fee. By solving our customers' most urgent problem—illiquidity between paychecks —our cash advance business is a cheap, but profitable and repeatable hook that builds distribution for a broader challenger bank. This represents a $9 billion revenue opportunity in Canada.

Send, spend, save, and earn money via stablecoins.

Kanda is building Affirm for general contractors. We allow contractors to offer financing to homeowners who want to remodel but can’t pay the full price upfront.

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.

Greenboard is building a singular, AI-powered platform to handle management of the entirety of financial firms’ compliance programs, and eventually all back office processes. Today, financial institutions use Greenboard to detect risk using AI and to rip out and replace the bad legacy back office tooling they have wanted to get rid of for years. Greenboard's mission is to enable financial institutions to operate their back office teams at a higher standard, with half of the headcount. We’re starting with compliance

Charityvest is the modern donor-advised fund, for individuals and corporations. - Make tax-smart contributions of cash, stock, crypto, equity and more to your DAF. - Invest your charitable balance for tax-free growth with low-cost ETFs. - Send grants to 1.4 million charities with a few clicks. - Receive one tax receipt for all of your giving.

Infinia is enabling Fintechs, PSPs and Banks to connect to RTP rails both for payins and payouts globally. Ianai, the CEO, is the former Global VP of Partnerships at dLocal and grew the company from $0 to $100M ARR.

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

Mercoa allows Vertical SaaS companies to offer BillPay and Invoicing services to their customers in as little as 3 weeks. Mercoa provides embedded workflows & payments that can be consumed with our API, SDKs, and customizable React components. We want every Vertical SaaS company to be the "Bill.com" for their vertical.

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.

Salt is a neo banking solution stitched together to ease payments and documentation which comes with business banking by moving it to a digital-first and automated end to end platform.

Fingo is building a pan-African digital bank. Today, most Africans pay 5-15% fees to transfer money to friends, family, or businesses - with Fingo these fees will be 90% cheaper. In 240 seconds, any young person will be able to access a full suite of financial services including personal, business, investment and savings accounts.

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.

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.

Snab aims to automate & centralize access and management of global banking for complex business groups with multiple subsidiaries, and digitize their access to financial services.

Cleva enables African freelancers and businesses to receive international payment for their service, while protecting themselves from local currency volatility. With a Cleva USD account, one can easily receive USD payment from anywhere in the world, spend via a card, pay bills, convert to local currency, and save in USD to hedge against local currency volatility.

CapixAI is an AI Analyst for private capital. With CapixAI, private capital funds process more deals and close them faster.

Bamboo is the first online brokerage service that gives wealthy Africans and their wealth managers direct access to the US and global securities. We’re building Fidelity for the African continent. For wealthy Africans and their asset managers, investing in the global capital markets is cumbersome, expensive and practically inaccessible. In Nigeria, Africa's largest economy and home to 30% of all the wealth in Sub Saharan Africa (excluding South Africa), 99.99% of the investing population do not have access to invest globally. Even for the 0.01%, if you wanted to buy a US stock, you’d have to call your asset manager who would then call an international broker to execute a trade. This is inefficient & expensive! We have a mobile app that allows individuals trade the US stock markets by themselves and a brokerage tool for asset managers to execute trades directly & manage multilple portfolios seamlessly.

We allow companies to access data from their customers bank accounts and allow them to debit money from these same bank accounts.

Djamo is a challenger Bank for consumers in french speaking Africa where less than 25% of the population is banked, we are building seamless and affordable banking solutions to break into this huge untaped market and bring millions of people into financial inclusion.

NowHouse helps stock brokerages settle trades instantly. We do this with modern post-trade processing software, starting with an AI-driven trade reconciler. The vision is to ultimately become the de facto system of record to broker-dealers and their regulators on the 3 trillion shares that change hands in the U.S. every year.

An early wage access platform allowing salaried employees to draw down a percentage of their accrued salary before the next payroll cycle. Helping employees to avoid late payment fee on bills, access emergency cash and substitute expensive debt. We work on a B2B2C model allowing companies to extend the product as a benefits program to their employee base.

We make it easy for AI agents to buy anything on the internet. For example, if a user asked an AI agent to buy a book on an e-commerce site, we handle the purchase via our Purchasing API. AI agents are poised to elevate the way we shop, but they aren’t reliably making purchases today. We’re changing that by bringing uniformity to non-uniform checkout flows across the internet. Our expertise is at the intersection of payments and e-commerce. Angelica was a staff engineer at Stripe, driving API evolution, design, and governance across payments products. Scott was a senior investor at Sycamore Partners, investing in and partnering with leading consumer companies. Our solution will enable AI agents to make payments of every kind, including e-commerce (e.g., Amazon, eBay), consumer services (e.g., Uber, DoorDash), and B2B (e.g., supplier payment). In the US e-commerce market alone, there are 10B transactions every year, representing a significant opportunity for us. We have already onboarded multiple AI agent customers who have thousands of monthly users and have begun integrating them to power their e-commerce purchases.

At PINA, we are designing and building the future of personal finance with a mission to help everyone achieve financial freedom by providing products and advice that make complicated financial decisions simple and relevant. We seamlessly integrate money management and investing into one app to allow people to manage their finances holistically. Users can see their net worth, monthly cash flow and how their budget has changed over the past several months. All of this is automated and designed to help them achieve the savings goal which they have set . In addition to money management, we focus on making investing easy with pre-built portfolios and automatic rebalancing. When you sign up for an account, it offers the option to pick an expertly built portfolio, or you can choose to build your own.

Soteris is a YC-backed company with a four-person team and a great investor base building a first-of-its-kind data ML pricing system for insurance, starting with personal auto.

Cumbuca is the first digital group account for Brazilian families. By grouping individual accounts with a shared permission system that's completely customizable, Cumbuca mimics the experience of American joint accounts - which aren't available in Brazil - providing features such as shared savings, debt tracking and bill splitting on everything from utilities to groceries and online delivery, so you don't ever have to argue with your loved ones again.

OneChronos is a U.S. equities ATS designed bottom-up to fundamentally address the growing gap between how trading venues match orders and how traders need to execute.

Female Invest is on a mission to close the financial gender gap. By creating a safe space and a trusted source for knowledge, we’re democratising investing for everyone globally. We’ve supported more than half a million women across 100 countries with our services. This makes us the world's largest univers combining financial learning and community. Currently, we make $5.2 million in ARR from approx. 43.000 paying users. 92% of our users are on a yearly plan, and average churn is 2.4% in the last 3 months. Our unit economics are best in class and consistently improving . We’ve raised approximately $12 million in seed funding from prominent investors across the EU and US and are soon ready to raise our Series A, where we are aiming to close an additional $10-15 million. The company operates within FinTech, EdTech and Investing. In 2022, Female Invest did its first acquisition by acquiring the Danish investing platform, GAIA Technologies A/S. The company’s headquarter is located in Copenhagen and has a smaller office in London. Download our app to get the full experience.

Salarybox is a payroll app for small businesses in India. There are 63 Million small businesses in India and 90% still manage payroll manually. Today, business owners manage attendance on pen-paper; calculate salary on excel and pay employees in cash. Using our App, the entire process can be performed with the click of a button. Our app reduces the time taken to process payroll from 5 days to 5 minutes. We use Payroll data to build a credit profile of 300 Million+ blue-collar workers and improve access to financial products.

Dripos is the only piece of software a coffee shop needs to run their business. We offer point of sale, employee scheduling, mobile ordering, and more to the 100,000 cafes in the United States.

Afriex makes it easy for immigrants to send money home. We offer instant, no-fee remittances to over 7 countries around the world.

NowPay, a FinTech startup founded by ex-employees of IBM, Microsoft, Orange and Amazon, is building a financial-wellness platform for employees in emerging markets. Saving, spending, budgeting and borrowing. Those are the 4 pillars of financial-wellness. NowPay aims to improve every aspect of those for employees by building products that tackle every vertical. NowPay enables employees to get their salaries in advance at any point in time during the month and also pay their bills instantly. NowPay is backed by 500 Startups, Beco Capital, Endure, Plug and Play, MSA Capital, 4dx, Foundation Ventures, EFG and Beltone and has raised 3.7m USD so far.

Milio is a fully interoperable and immediate payment system for Colombia through a single API connected to millions of accounts. Milio allows companies to perform payable and receivable in real time without ACH rails. We provide our solution through two Plug and Play integrations: PID payment button: End-to-end, white label, native, non-redirection payment technology for your customers to pay you account-to-account more efficiently than PSE, without heavy and inefficient ACH cycles and fixed rates. Technology: API, SDK, Checkout UI. Immediate disbursement: Single API connection to all banks, allowing any company or person to disburse 24/7, in real-time, with immediate crediting of funds to third parties at any bank or digital wallet. Technology: API, Dashboard UI.

Infina is Vietnam's leading wealth management and investing platform (like Groww of Inida and Ajaib of Indonesia). Its mission is to empower retail investors by make investing accessible, frictionless, and safe. The platform is multi-asset, offering stock trading, mutual funds, and fixed-income products, with more asset classes to be added. Infina was founded by James L. Vuong, a Silicon Valley engineer turned VC investor (IDG Ventures) and serial entrepreneur with a prior successful exit in Vietnam (Reddit of Vietnam, which was acquired by LINE corporation in 2017). Investing apps are seeing explosive growth in many markets around the world, including in Vietnam. There is a growing middle class who are hungry to invest in assets like stocks and crypto. We are building Infina to capture this huge opportunity to democratize investing in South East Asia.

Rainmaker is an account abstraction-based crypto wallet that makes DeFi investing simple and fast. Set up a wallet with just an email, instantly deposit funds from your bank or credit card, and invest in DeFi without gas fees.

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.

We are building Flux- Flux is a Mobile App for merchants, freelancers, regular users(P2P) to make and accept payments from their customers anywhere in the world using crypto or fiat. We have built a mobile app that uses the merchants’ phone number, creates a wallet enabling them to receive payments in crypto or fiat without having to go to an exchange or pay expensive fees. Merchants can accept payments in crypto or in fiat. Payments made in Crypto can easily convert into fiat due to the built in fast reconciliation and is made available for spending immediately. Currently the vast majority merchants receive payments in crypto because of two issues (1) Paypal, Venmo, CashApp or Square to not exist in Africa and (2) the local currency fluctuates more than bitcoin due to inflation. But in order for merchants to receive money in crypto and exchange it into fiat they resort to crypto exchange apps and crypto addresses to receive payments which is a very complicated and expensive process. Merchants want to be paid quickly with the lowest amount of fees possible. This is why we are building Flux

Tranqui is a debt collection company that has revolutionized the industry with its digital-first approach. Utilizing cutting-edge analytics and machine learning, Tranqui offers a more efficient and effective debt collection experience for users. Our technology-driven approach enables us to analyze user data and behavior patterns to develop personalized communication and repayment plans. This ensures that our users receive a tailored experience that is optimized for their individual needs, resulting in a higher success rate for debt repayment. With Tranqui, users can manage their debt repayment on their own terms, from the comfort of their own homes, thanks to our convenient and flexible digital channels. Our approach not only improves the debt collection experience for users but also helps to improve their overall financial health. Choose Tranqui for a better debt collection experience, with 2x the effectiveness of traditional debt collection methods.

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.

Swipe is building modern modern payments, accounting and cashflow management tools for businesses. We own and operate Float, a global b2b payments platform and Accounteer - a cloud accounting and bookkeeping platform for businesses and freelancers.

Africa has experienced robust macroeconomic growth over the last five years and was the second fastest growing region in 2019 with a GDP of $2.6T, a 3.7% increase on 2018. Nigeria makes up $0.5T, 50% of which comes from Small and Medium Enterprises (SMEs) – a huge number of these operate within large manufacturing supply chains. Starting with Freight Carriers Pivo makes financial services easily accessible for truck owners and truck drivers by providing a bank account, debit card and digital invoicing tools so they can get paid faster and avoid cash flow problems. This will be further augmented by more fundamental financial products such as credit, transaction management, and expense management, to improve their cashflow.

Gullak is a mobile app that automates savings & invests these in Gold. We launched in India 60 days ago and have grown from 0 to 40k transacting users and hit a monthly GTV of $280K already. We are growing 25% week on week. India is a nation of savers but the way the majority of India saves is non-smart & does not create wealth. There are 200 Mn Indians who save manually in bank deposits, the returns from these instruments do not even beat India's inflation. Gold is an instrument that India loves - 30Bn worth gold is purchased in India every year by middle income households. Gold has great cultural significance in India & there is high familiarity with the asset class. Despite gold being a familiar asset class & giving 5% higher returns than bank deposits, 200 Mn Indians still save manually in these non wealth creating bank deposits. This is largely because the ways to save in Gold required painful discrete activities such as manually accumulating money to buy gold, going to offline stores to buy this gold, incurring storage charges & more. The minimum ticket size for purchasing gold at these stores is $50 adding to more friction to saving in Gold. Using automated savings, Gullak now makes it extremely easy for users to save small amounts regularly($1/day) in digital Gold.This was not possible a year ago because the underlying infrastructure(UPI Autopay) was missing. With 50 Mn Indians saving $2/day & with gold backed lending, this is a $1.5Bn market opportunity. Gullak’s Founding team is the team which built BHIM UPI App(10Mn Downloads in 10 Days), this was launched by the PM of India. We built large scale payment systems for partners like GooglePay / Amazon, processing more than 30Mn payments/day. This is the same team that has built more than 40+ consumer brands & their initial growth strategy.

Floatpays is an on-demand wage access platform that helps employees access, spend, save and manage their money. The problem we are solving is that more than 75% of the 12 million employed South African’s run out of money before the end of the month, 52% of those end up borrowing money to survive. Informal lending is the only option for most borrowers, with interest rates anywhere between 30-50%. The story is the same in most African countries where payday/micro-lending has become the norm amongst lower-income earners. Our app features include financial education, a budget planning tool, cash access, and voucher purchases all from wages earned but unpaid. We are currently working on a savings product to promote long-term financial resilience. We launched our product in South Africa in July 2020 and plan to extend our reach into additional African countries in 2022 and beyond.

India is set to be one of the fastest growing major economies and Indian expats have a unique opportunity to invest in this dynamic growing market. As an Indian expat looking to invest in India, investing in India is a daunting experience, with multiple operational hurdles, complex tax and repatriation regulations. Inri solves these challenges by providing a seamless investment platform comprising of personalized wealth advisory and compliance services.

Zippi empowers microentrepeneurs to purchase supplies for their businesses.

Tank is the neobank for truckers. We enable instant funding from factoring companies to trucking companies, so a trucker never has to wait 2 days for money to settle before he can fuel up and get back on the road. By working directly with freight factors, Tank gets free distribution to a sticky audience of truckers and sits directly in the flow of funds in a cash intensive industry ($15-20k per month per truck). In 10 weeks, we closed 2 factoring companies and 17 trucking companies (45% after 1 phone call) - representing $2M+ in yearly direct deposits. With 925,000 trucks in our target segment of companies <7 trucks, and each truck spending $12k per month avg., we have a $2B+ opportunity just on interchange alone. The founders worked together at a startup (founded by DoubleClick founder Kevin O'Connor) that was acquired by Amazon and then spent 4+ years together building Alexa's AI functionality. Jad is a software developer with a CS degree from Cornell University, Matt was a technical product manager of analytics, and Dane was a manager of product management.

Berilium is a digital wealth management platform for investors to access actively managed portfolios of alternative strategies (i.e. private equity, private credit etc.).

Littio is a neobank focused on solving the currency devaluation problem for Latin Americans. The product offers a Savings Account, a Mastercard debit, and investing options in U.S. dollars to help people avoid the currency risk.

Poko enables seamless transfers from local payment rails to web3 infrastructure enabling web3 wallets, marketplaces, games and DApps to acquire more users. With Poko’s SDK, web3 builders can easily enable fiat-to-crypto onramping with 100+ common local payment methods or easily pay for NFTs with local payment methods. Poko's fiat-to-cryptoonramp aggregator reduces onramping costs by up to 70% and increases transaction success rates by up to 5x through a smart routing logic and a single integration to multiple onramps. It's Direct Checkout solution enables one step purchasing from fiat payment rails from any smart contract for 79% higher user conversion. The co-founders’ experience includes being chief strategy officer of a $2.4B coincap protocol, leading technical implementation of Singapore’s central bank’s experiment in cross-border payments on blockchain rails, policy experience as payments task force member at the World Economic Forum, ex-Ethereum Foundation Fellow, and CTO of a 2M+ user play to earn game.

Trigo aggregates consumer rent history to help landlords approve better tenants and lenders write more loans. No solution exists to consistently furnish this data to landlords and lenders today. The largest database has only 3% coverage of rent data. Trigo is a Consumer Reporting Agency (CRA) that provides this missing rent data set through a real-time API and web application. We are repeat founders with consumer data and finance experience across Harvard, Citigroup, Experian, and Amazon.

Borrowing money against investments is a $1T+ strategy used by the rich to defer taxes and stay invested in the market. Retail clients have to pay 12%+ margin rate to use this strategy, while the rich pay 6-8%. SyntheticFi helps the mass affluent borrow at 5.83%, without moving their investments to different brokerage accounts.

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.

Constant provides access to high-quality private credit funds. Private credit is a $1.6 trillion asset class that can offer attractive yields with limited volatility — and yet, until now has been dominated by institutions and ultra-wealthy individuals. Our software helps users discover relevant private credit funds, guides them through the investment process, and offers low investment minimums. Constant is backed by top VCs and angel investors.

Stream enables insurance and adjacent professionals such as lawyers, nurses, and claim adjusters to review medical documents faster and better than ever before.

Coupl is India's first neobank for couples. We help couples easily manage their shared payments. While Indian couples have evolved over the last 20 years, the traditional joint account hasn't. Today, young Indian couples start sharing payments well before tying the knot. They use multiple tools to budget, split, track and settle expenses. They also prefer a quick and digital banking experience. However, the traditional joint account is still only accessible to married couples, takes days to open and is very limited in its expense management features & user experience. Coupl lets any young couple (regardless of their marital status) open a digital joint wallet in under 60 seconds using the mobile app - without ever having to visit a physical bank branch. Customers can use the Coupl wallet to pool in money together and pay for shared expenses using our RuPay cards.

Vance is a Global Neobank that lets you make international payments at live google rates, avail credit in new countries, and invest around the world. We are building a bank that is not bound by borders.

At Givefront (formerly Clav), we are building a banking platform tailored for nonprofits. Our unified platform allows organization leaders to manage banking, spend, payments, team turnover, reporting and compliance all in one place.

8vdx is building fine tuned AI/ML models to massively scale up the capabilities for hedge funds and private credit funds to analyze, underwrite and manage debt securities. 8vdx also manages a venture marketplace, eightcapital.com, which raises funds from accredited investors to invest in venture debt and equity of Y Combinator startups.

Cheq is a modern UPI payments app for NRIs and international citizens visiting India. Using Cheq, you can pay digitally at over 55mn+ merchants across India. We help tourists avoid ATMs and minimize their foreign exchange costs while in India.

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.

Bitstack's mission is to empower people to participate in a more open financial system. Bitstack has gone from a simple product that invests your spare change in bitcoin to a bitcoin-native neobank that is bringing a better way to buy, sell, send, and receive bitcoin. Bitstack is powered by Bitcoin - the first open, global, and permissionless monetary network that allows users to send and receive money anywhere, instantly, with almost no fees, and with no central issuer that can debase its currency.

Greenlite builds AI workers for bank and fintech compliance teams. Innovative teams use our AI workers instead of outsourced teams to onboard customers faster with higher compliance standards.

Make something people want.

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.

marketfeed is an app that teaches people in India how to trade stocks.

WeatherChecks application tells anyone when severe hail is about to strike and when it has in fact impacted a property. Using state of the science technologies we compute and analyze geo-weather data faster than every weather company globally. This allows companies, insurance companies specifically to gain dynamic insight into their overall exposure and enabling them to respond more quickly and efficiently to disaster.

We process cash-based microtransactions across Africa's informal sector, an example of microtransaction is payment for bus rides today we help over 300k people make this payment.

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.).

At KorrAI, we measures ground motion (land subsidence) from satellites, identifying risk before it becomes disaster. We offer fast and accurate risk maps to diverse industries, enabling smarter decisions in a changing climate.

FinFlx makes it easier and more affordable for SME to offer defined contribution pension plans in line with local labour laws. Employers can launch a pension plan within hours instead of weeks, with fully digital employee record management, plan administration, investment selection and detailed reporting. FinFlx is the future of workplace retirement solutions in the Middle East.

Alinea is an app for new investors where we do the hard work for you. With Alinea you have a team of investment experts in your pocket.

Creizer is Clearbanc (Clear.co) for LATAM. We provide revenue-based financing to online sellers. More than 80% of SMEs can’t have access to loans in LATAM, thus limiting their growth. They represent 99% of online sellers in the region. At Creizer we built a unique risk model in which the requirements for these online sellers are 100% accessible since the scoring is based on the store’s metrics and collections on a percentage of their daily sales. We are growing 65% MoM and experiencing overdemand every month. Helping our customers to grow up to 7x in less than a year.

Ziina is bringing the next generation of financial services to the Middle East.

Luable is an Bank Deposits Marketplace in Latin America where Banks can get faster and cheaper funding from Retail users compared to opening traditional branch offices or hiring more Sales Representatives. Luable's Marketplace features all banks in one place so retail users can choose for their best needs, and enables upcoming banks to provide a full digital experience with no fixed costs. Since Launching in 2021, Luable has processed over USD $30M in deposits for many banks and its currently expanding its operations from Colombia to Mexico and the Caribbean.

Tremendous is a payouts platform, enabling businesses to send money, prepaid cards, and gift cards to people around the world. Used by researchers at Google and MIT, marketers at Casper and Lyft, and institutions like United Way and the Federal Reserve Bank, Tremendous has orchestrated nearly 10 million payouts. Over 4,000 organizations agree: a Tremendous payout is almost as delightful to send as to receive.

RedCarpet issues credit cards to those that banks cannot see. Currently we are one of the largest issuers of credit lines to the new-to-credit customer in India. In a population base of 800 million people with bank accounts, there are less than 40 million credit cards. By building a fullstack SDK for card issuance, underwriting as well as holding capital & collection ops, we are looking to build the Capital One of India.

Memberstack makes it easy to add user accounts and recurring payments to static websites, Webflow, Squarespace, and more! We’ve helped 1000+ companies generate millions in recurring revenue, and we’re just getting started 😁 If we succeed, Memberstack will enable hundreds of thousands of people to create powerful web apps and massive online businesses. Memberstack is backed by some incredible leaders, advisors, and investors who helped build the companies we use every day. Check the link for more info 👇 https://www.memberstack.com/blog/1000-customers-and-fundraise

Payhippo provides loans to small businesses in Africa in under 3 hours. We made $42k in revenue in Nigeria in July 2021, growing 25% m/m with a 97% repayment rate.