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Lideflow provides a powerful API that connects cross-chain stablecoins with traditional financial systems, ensuring secure, fast and cost-effective global payments.

20APY: Simplifying financial freedom with decentralized finance 20APY is a fintech that uses high-yield alternative investments and zero-interest credit to simplify Financial Freedom. We employ blockchain technology to issue RWA Tokens that offer a fixed return of 20% per year, and the funds raised are used to foster the credit market in Brazil in low-risk operations.

Beta Financial Services is a company focused on providing fair access to capital for small and midsize businesses. By utilizing innovative technologies like BetaScore, the firm aims to eliminate bias within the financial services sector, ensuring a more equitable lending process. Currently operating in stealth mode, Beta Financial Services is developing its offerings to better serve the needs of its clients in an increasingly competitive market.

Boosst is an innovative platform focused on mergers and acquisitions (M&A) for small and medium-sized businesses (SMBs), particularly in the e-commerce sector. By leveraging technology, Boosst simplifies various aspects of the acquisition process, such as valuation, due diligence, financing, and deal sourcing. The platform aims to address the significant asset transition occurring as a large number of baby boomers retire, estimated at $10 trillion. It provides e-commerce entrepreneurs with the tools to integrate financial applications, enabling them to obtain accurate and continuous valuation and profit metrics. Boosst operates from locations in Tel Aviv and New York and is supported by Techstars NYC and Zep Fund.

20APY: Simplifying financial freedom with decentralized finance 20APY is a fintech that uses high-yield alternative investments and zero-interest credit to simplify Financial Freedom. We employ blockchain technology to issue RWA Tokens that offer a fixed return of 20% per year, and the funds raised are used to foster the credit market in Brazil in low-risk operations.

KarmaLifeAI is an AI-powered digital solution for the financial well being of blue-collar gig workers and micro-business. The company allows the user to pay directly for key expenditures and smoothen their consumption patterns. It offers real-time access to credit for gig workers, based on their payroll account, through partnerships with the digital platforms they work for. It operates an interest-free subscription model in which the platform or the gig worker can pay a flat fee and access credit equalling up to one-third of their monthly income. The company analyzes alternative data points and payment behavior over time to unlock higher credit lines for the workers.

BezoMoney is a digital savings platform based in Accra, Ghana, aimed at assisting low-income earners in effective saving. It offers both personal and group e-wallets, enabling users to save individually or collaboratively through group savings initiatives. The platform includes a mobile application with features that promote financial discipline, such as a personal wallet with a locking mechanism that encourages users to save over time. Additionally, BezoMoney employs a machine learning model that rewards consistent saving behavior with points, which can be redeemed for discounts, property acquisition, and investment opportunities. By enhancing users' creditworthiness and providing access to bulk capital through group savings, BezoMoney strives to foster financial independence among the unbanked and young people, ensuring transparency, accountability, and security in all transactions.

Evolve Credit Limited operates a platform designed to enhance financial accessibility and transparency for consumers in Africa. Established in 2020 and based in Lagos, Nigeria, the company enables users to compare a variety of loan products, including personal loans and business loans, based on price, interest rates, and terms. Its platform also features expert reviews and personalized recommendations, helping users select the most suitable financial options for their needs. In addition to serving individuals, Evolve Credit provides solutions for small and medium-sized enterprises, addressing a broad spectrum of lending requirements. The company's goal is to streamline the loan application process while promoting inclusivity in financial services.

Raenest is a financial technology company that simplifies invoicing and payment processes for startups and freelancers, particularly in Africa. It allows users to send and receive invoices in various currencies, facilitating seamless cross-border transactions. The platform provides tools for automated onboarding, verification, and salary disbursement, enabling businesses to manage payments efficiently. By offering features like virtual cards, Raenest helps companies coordinate payments, ensure compliance, and manage expenses more effectively. Its services support fast and cost-effective money transfers, making it easier for businesses to engage with freelancers, contractors, and vendors globally.

Periculum develops data analytic software utilizing artificial intelligence and machine learning to enhance credit assessment for organizations in underserved markets. The company's platform focuses on alternative data to provide comprehensive credit evaluations for lenders and financial institutions in Africa. By empowering clients with advanced data analytics and credit assessment services, Periculum aims to accelerate economic empowerment and improve access to financial resources for those in need.

UniPay is an eCommerce platform for infrastructure and industry-lacking regions that offers 5 products that enable trust, promote transparency, and enforce accountability.

HeptaPay is a bill payment application focused on the East African region. The company aims to simplify financial transactions by providing an accessible platform for users to manage their bill payments efficiently. In addition to its payment services, HeptaPay develops enterprise software that enhances data analysis for informed decision-making. This platform offers various services, including infrastructure and cloud solutions, big data analytics, and API development, allowing clients to interpret and visualize data effectively. Through its innovative approach, HeptaPay seeks to empower individuals and businesses in East Africa to navigate their financial obligations with ease.

SUITCH SAS is a company focused on enhancing financial literacy among youth and facilitating efficient financial transactions through a mobile money platform. By offering mobile payment solutions, SUITCH SAS aims to provide tailored financial products and services that meet the specific needs of young individuals. The platform also enables users to access advantageous deals and discounts at various merchant locations, thereby assisting micro and small enterprises in better managing their finances. Through its innovative approach, SUITCH SAS seeks to empower the younger generation by promoting financial education and digital transaction capabilities.

The CarePay is creating a new way to pay for care that is more affordable and accessible. With CarePay, you can get the care you need when you need it without having to worry about the cost. Our Care Now Pay Later model combines membership benefits and health insurance. We offer different payment options including monthly instalments and no-interest financing. The Care Now Pay Later model is a relatively new concept in the Asian market, so there are not many direct competitors yet. However, there are a number of companies that offer similar services, such as: Atome: Atome is a Singapore-based BNPL company that offers instalment plans for online and offline purchases. It is currently available in 7 countries in Southeast Asia, including Singapore, Malaysia, Thailand, Indonesia, Vietnam, the Philippines, and Hong Kong. Hoolah: Hoolah is an Australian BNPL company that offers instalment plans for online and offline purchases. It is currently available in Australia, Singapore, and New Zealand. Splitit: Splitit is an Israeli BNPL company that offers instalment plans for online and offline purchases. It is currently available in 40 countries, including the United States, Canada, the United Kingdom, and Australia. Sezzle: Sezzle is an American BNPL company that offers instalment plans for online purchases. It is currently available in the United States, Canada, Australia, and the United Kingdom. Klarna: Klarna is a Swedish BNPL company that offers instalment plans for online and offline purchases. It is currently available in 17 countries, including the United States, Canada, the United Kingdom, and Australia. These companies all offer similar services to Care Now Pay Later, but they may have different features and fees. It is important to compare the different options available before choosing a BNPL provider. The Care Now Pay Later model is still a relatively new concept in the Asian market, so it is likely that more competitors will emerge in the future. This is because the BNPL market is growing rapidly in Asia, and there is a demand for more flexible payment options. We can capture a significant share of the $600M billion dollar care market in Asia. It is expected to grow at a CAGR of 5.5% from 2023 to 2030, reaching $914 billion by 2030. If you're looking for a more affordable and accessible way to pay for care, then CarePay is your solution. Visit our website https://carepay.mn/ or contact us to learn more.

LoanWell, LLC provides a customizable loan origination system designed to streamline the entire loan process, including application intake, underwriting, closing, disbursement, and repayment. Established in 2017 and located in Durham, North Carolina, LoanWell serves community development financial institutions (CDFIs) by automating lending processes to enhance efficiency and deliver affordable capital to individuals and small businesses. The platform allows for secure management of applicant information and required documentation, while offering automated communication to facilitate application completion. By focusing on equitable access to capital, LoanWell aims to support mission-driven lenders in fostering community growth and economic development.

Snowball Wealth, Inc. is a financial management platform based in San Mateo, California, that provides tailored guidance for managing student loans and other financial challenges. Established in 2018, the company focuses on helping individuals navigate debt, retirement, and investments through personalized analysis and recommendations. Its mobile app features a community-driven approach that encourages open discussions about debt and financial planning while also offering AI-driven tools to create customized plans for users. By addressing the complexities of student debt and providing insights on refinancing options, Snowball Wealth aims to empower individuals to effectively manage their finances, build generational wealth, and achieve their financial goals.

Guru is a financial application aimed at young Brazilian investors, dedicated to simplifying the investment process. The platform provides a range of financial tools, including real-time profitability monitoring, market quotes, graphs, news, and various indicators. By offering these resources, Guru enables users to easily navigate and invest in different financial instruments, making investing more accessible and intuitive for its audience.

CashEx is a digital banking mobile application platform based in Cambridge, Massachusetts, designed to facilitate financial inclusion for Africans moving to the United States. The platform allows users to send and receive money without incurring transaction fees and offers a range of features including easy signup, a multi-currency wallet, a fund wallet, and currency swapping. By providing access to US bank accounts and debit cards, CashEx aims to improve global transactions and ensure that immigrants have equitable access to essential financial services.

Flexpay is a Nairobi-based company that operates a digital payment wallet, facilitating electronic transactions for individuals. It offers a range of products, including Flex Rent for managing residential and commercial rent payments, Flex Travel for holiday package payments, and Flex Retail for transactions with partner merchants. The company has developed an automated platform that enables both merchants and customers to manage flexible payments for goods and services through mobile money and bank transfer systems. This platform allows users to break down their purchases into manageable installments, enhancing affordability. Flexpay's innovative Save Now, Buy Later (SNBL) model empowers merchants to provide personalized incremental saving plans, thereby revolutionizing the payment process and improving customer engagement across Africa.

Black Tech Nation Ventures is a venture capital firm established in 2021 and located in Pittsburgh, Pennsylvania. With a focus on supporting diverse founders, the firm specializes in investing in early-stage companies across various sectors, including enterprise software, healthcare technology, climate technology, financial technology, and marketplaces. Black Tech Nation Ventures is distinctively majority Black-owned and emphasizes wealth creation for underinvested entrepreneurs and untapped innovative markets. The firm aims to foster diversity within the technology sector by backing entrepreneurs who have traditionally faced barriers to funding.

Deposits is a fintech company that develops a low-code, cloud-based platform aimed at enhancing the financial service offerings of banks and brands. By partnering with various financial institutions and businesses, Deposits provides a streamlined approach to money management and employee benefits. Its platform enables community banks, credit unions, insurers, and retailers to modernize their services and engage effectively with their customers. The tools offered include payment processing, mobile applications, and lending solutions, all designed to foster financial innovation and inclusion. Through these services, Deposits aims to transform workplace financial experiences and simplify access to essential financial services.

DohYangu is a shopper cashback application that provides rewards to consumers based on their purchases. The app enables users to receive instant cashback through mobile money, enhancing the shopping experience by directly incentivizing spending. Additionally, DohYangu supports suppliers by allowing them to monitor their marketing performance and gain insights into consumer behavior. This integration with retailers' management systems facilitates the implementation of promotional campaigns, enabling a streamlined approach for clients to boost their sales while offering consumers access to promotions from various brands.

Zanifu is a regulated financial technology company that focuses on providing inventory financing for micro, small, and medium enterprises (MSMEs) in Sub-Saharan Africa. The company’s platform facilitates access to working capital by enabling small retailers to procure inventory from suppliers with the option to pay later. Designed with a mobile-first approach, Zanifu's platform is tailored to function effectively in areas with limited internet connectivity, thereby enhancing efficiency in supply chain operations. By addressing the financing needs of MSMEs, Zanifu plays a crucial role in supporting the consumer goods value chain in the region.

Nomad is a fintech company that provides financial services such as a bank account and an investment platform. It develops an application where users can open an account and can use it to travel, buy, save money, and invest in the USA. It also offers remittances and a debit card.

NG.CASH is a digital app designed to help Generation Z become financially independent. It allows users to manage their own money with solutions such as PIX (Brazil’s “instant-payment” method), prepaid credit cards, allowance management, and a virtual card. Structured as a financial hub, NG.CASH aims to accompany its clients throughout their lives and increase financial literacy in the region.

Tribal is a technology-driven financial services provider, specializing in offering small and medium-sized businesses in emerging markets access to modern payment methods and financing solutions. The company's platform enables SMBs to utilize multi-currency physical and virtual business credit cards, local and international wire transfers, short-term financing, and a comprehensive spend management tool, all integrated into a single, user-friendly interface. Tribal has secured funding from prominent investors such as SoftBank Latin America Fund, QED Investors, and Coinbase Ventures, and has been recognized by Visa as part of their FinTech Fast Track program.

Mycon is a fintech startup that aims to transform the consortium market in Brazil. The company offers consortium administration services that facilitate collective purchasing of goods and services for consumers. Its platform enables individuals to join consortium groups to acquire properties, vehicles, motorcycles, and other services through a structured system of monthly payments and bidding processes. This approach allows participants to achieve their goals of acquiring significant assets while adhering to a regulated and secure saving scheme.

Kubo.financiero is a regulated finance company based in Mexico that provides a range of financial services including digital savings accounts, personal loans, term deposits, and a wallet application. Its innovative platform is designed to facilitate access to financial resources while promoting a lean operational model that results in lower interest rates for borrowers and higher returns for depositors. Kubo.financiero aims to foster financial inclusion and support the growth of Mexico's emerging middle class through customer-centric services that encourage economic empowerment and financial freedom.

TrustFundRegistry is a fintech platform that allows family and friends to gift equity investments to a child they love. It enables financial inclusion for BIPOC families by removing the barrier of personally identifiable information required by non-custodial guardians, family members, and friends to send gifts directly into the child’s long-term investment fund.

Dollarito is a digital lending platform that helps the Hispanic population with no credit history or low FICO score access fair credit. The company specializes in the fields of credit, financial services, fintech, and personal finance.

Much is a social banking platform based in New York that empowers individuals, particularly millennials and Generation Z, to enhance their financial well-being. The platform facilitates saving, investing, and managing debt, aiming to help users make informed financial decisions. By fostering a community-oriented approach, Much enables its users to take control of their finances, save more effectively, and streamline the research process associated with money management.

Moneta is a financial service for merchants to use at the POS. After a customer pays with cash, It enables the cashiers to send back the spare change digitally whether the customer has a bank account or not. Moneta not only understands that decentralized currency is the future but we want to do our part by being the final frontier between the physical and digital currency. Pay cash and receive crypto as your change.

Globalfy is a financial technology platform that supports global entrepreneurs and businesses, particularly in the tech and e-commerce sectors, by providing a comprehensive suite of services. The platform offers one-click solutions for business formation, banking, bookkeeping, tax services, and mailroom support, facilitating operations for organizations from various countries seeking to establish a presence in the United States. Designed with international founders in mind, Globalfy enables users to apply for U.S. business bank accounts without requiring a Social Security Number, along with access to a Visa debit card that is accepted worldwide. By streamlining these essential services, Globalfy aims to empower entrepreneurs to achieve and exceed their business objectives while remaining in their home countries.

ONEBIT is a fintech company that helps independent business owners make smarter financial decisions. Its platform provides valuable insights from their sales and expense data.

Snowball Wealth, Inc. is a financial management platform based in San Mateo, California, that provides tailored guidance for managing student loans and other financial challenges. Established in 2018, the company focuses on helping individuals navigate debt, retirement, and investments through personalized analysis and recommendations. Its mobile app features a community-driven approach that encourages open discussions about debt and financial planning while also offering AI-driven tools to create customized plans for users. By addressing the complexities of student debt and providing insights on refinancing options, Snowball Wealth aims to empower individuals to effectively manage their finances, build generational wealth, and achieve their financial goals.

Ease is building the clinical practice and fintech infrastructure to power the future of private practices. Ease is a corporate card that helps clinician entrepreneurs start, grow, and manage private practices. We provide everything clinicians need to form new tech-enabled businesses, from automating business entities, licensing, credentialing, and banking to customizing practice management workflows that are end-to-end HIPAA-compliant.

FinMarie is a pioneering financial platform in Germany designed specifically for women, aiming to empower them in investment and financial management. The platform integrates education, technology, and personalized solutions to assist women in overcoming financial barriers and achieving investment security. By utilizing advanced algorithms, FinMarie helps users manage and rebalance their portfolios according to their financial goals and risk tolerance. The service combines digital financial education with tailored expertise, providing a structured approach for women to enhance their financial literacy and build wealth effectively. Backed by notable investors, FinMarie seeks to create a supportive environment for women at all stages of their financial journeys.

CreditAIs specializes in providing innovative credit scoring tools tailored for micro businesses and individuals who do not conform to traditional credit scoring models. By utilizing machine learning, the company develops financial application programming interfaces (APIs) and software applications that deliver predictive insights, facilitating access to credit for underserved borrowers. This approach not only digitizes the credit application process for microlenders but also enhances lending conditions, thereby empowering individuals and small businesses with essential wealth-building resources.

Bailport is a developer of a multi-currency e-wallet that leverages blockchain technology to provide low-cost payment solutions, primarily targeting the African market. The e-wallet allows users to exchange, save, and send money instantly at competitive rates. It serves as a mobile-only banking alternative, facilitating seamless money transfers from Africa to various global destinations.

Flex Finance is a spend management platform tailored for small and medium-sized enterprises in Africa, addressing the critical issue of financial mismanagement that leads to high business failure rates. Recognizing that 90% of businesses on the continent may not survive past five years due to inadequate financial oversight, Flex provides tools to streamline expense management. The platform features an intuitive user interface that facilitates budgeting, expense tracking, digital requisitions, and bulk payment transfers. By offering these services through both mobile and web applications, Flex empowers businesses to digitize their financial operations, making them more efficient and better equipped to manage their spending in an increasingly digital environment.

Xente is a company that provides a payment platform aimed at simplifying financial transactions for businesses in Africa. By offering smart Visa cards and facilitating e-commerce and cashless transactions, Xente supports a range of payment needs, including mobile, utilities, travel, events, and entertainment. Its neo-bank platform is designed to enhance the digital transformation in East Africa, where many transactions still occur manually. This enables both customers and businesses to engage in reliable and secure transactions from any mobile device, promoting a more efficient and accessible financial ecosystem.

KudiGo is a technology company that provides a mobile-based integrated solution designed for informal consumer retailers in Africa. Its platform offers a comprehensive suite that includes retail management, accounting, and non-cash payment processing, along with AI-powered analytics. By leveraging innovative technology, KudiGo helps users improve their business oversight and adopt efficient bookkeeping practices, promoting financial inclusion. Additionally, the company utilizes big data and blockchain technology to enhance transparency and facilitate real-time monitoring for manufacturers and distributors in the retail sector.

Cova mission is to break the cycle of household poverty in Francophone Africa through insurance by adapting and accelerating the various operational processes to offer insurance.

ClinicPesa is a financial technology company that specializes in healthcare financing. It has developed a digital micro-savings and loan platform designed to offer users convenient and affordable access to healthcare services. The platform provides three types of accounts accessible via USSD and an Android application, allowing users to set up standing orders for saving money over a specified period. This functionality enables users to access their savings and loans for expenses related to registered healthcare providers, thereby alleviating the financial burden of medical bills and drug purchases.

HerVest is an inclusive fintech company based in Nigeria that focuses on providing financial services to smallholder women farmers and women-owned businesses. The organization aims to enhance the lives of women by facilitating access to savings, impact investing, and credit. HerVest addresses the significant gender finance gap in Africa, estimated at $42 billion, by democratizing access to loans for underserved women. The platform is designed to support female small-scale farmers in rural areas by offering flexible loans and financial resources that enable them to scale their businesses and achieve their financial goals. Through its efforts, HerVest promotes financial inclusion and strives to ensure that all women have equal opportunities for wealth-building, regardless of their background or circumstances.

Kyshi is a fintech company founded in 2020 by Ayo Akindele, headquartered in London, England. It specializes in providing digital banking solutions focused on facilitating money transfers to and from Africa. The company's proprietary platform features a global multi-currency wallet that allows users to create, fund, hold, and exchange various currencies at their preferred rates. By streamlining cross-border transactions, Kyshi aims to enhance the user experience, making money transfers more efficient and accessible anytime and anywhere.

Zuberi Technologies Limited operates in the HR-fintech sector, offering innovative payment solutions through its platform, Zuberi Pay. This on-demand mobile employee benefits app is designed for African salaried workers, allowing them to access their earned wages on a daily basis instead of waiting for the end of the month. By providing an interest-free alternative to traditional digital loans, Zuberi Pay aims to enhance the financial wellbeing of employees. The platform partners with companies across Africa that prioritize employee welfare and seek to improve workplace financial stability.

Exuus Limited is a financial technology company based in Kigali, Rwanda, focused on developing web-based software services that enhance operational performance and decision-making for organizations. Its primary products include Cartix, a platform designed to optimize strategic investments, and Save, which empowers savings groups by providing a user-friendly ledger system for managing finances. Additionally, Exuus offers digital data collection, mining, and visualization services to support its clients. The company aims to inspire resilience within communities by providing micro-loans and micro-insurance products, thereby facilitating access to credit for unbanked individuals and smallholder farmers. Founded in 2014, Exuus is dedicated to fostering financial inclusion and sustainability within informal social saving groups.

Spleet is a fintech company that specializes in providing solutions for the rental market. It offers tenant verification and rent collection services for landlords, along with a rent financing option that allows tenants to pay later. Spleet operates a rental home listing platform that focuses on affordable living spaces, featuring fully furnished accommodations with flexible payment and sharing options. In addition to these services, Spleet also provides cleaning and security services, along with other amenities, to facilitate a smooth transition for tenants moving into their new homes while helping homeowners maximize their rental income.

Uelz is a company that specializes in automating and routing payment collection for small and medium-sized businesses (SMBs) by integrating with multiple payment gateways. It offers a billing API designed specifically for recurring revenue businesses, enabling clients to manage payments, subscriptions, and customer information from a centralized platform. Uelz provides cloud-based applications and services that facilitate the recording, control, and analysis of customer and sales data, allowing businesses to streamline their operations and reconcile income efficiently. This comprehensive solution supports SMBs in operating globally while optimizing their online business management.

Uellbee is a technology company that specializes in financial wellness, providing a range of services aimed at improving personal finance management. The company offers debt refinancing loans and a proprietary tool called GPS Financiero, which assists users in managing their finances effectively. In addition, Uellbee provides personalized and flexible consumer loans targeted at the middle class, along with access to credit and financial coaching. Their platform also includes savings instruments, enabling individuals to automate their financial management and redesign their approach to consumer credit.

Rewire Ltd. is a fintech company that specializes in providing remittance and digital banking services primarily for migrants. Founded in 2015 and based in Modi'in-Maccabim-Re'ut, Israel, Rewire offers a platform that enables users to send money from Israel to various countries, including the Philippines, India, Thailand, Nepal, Sri Lanka, and Russia. The company's services include mobile and online remittance orders, money deposits, and notifications for beneficiaries upon receipt of funds. Rewire aims to enhance financial accessibility for immigrants by integrating banking services into its platform, which includes payment accounts, debit cards, and plans for additional services like bill payments, insurance, loans, and investments. Through its innovative technology and commitment to inclusivity, Rewire seeks to improve the financial security of international workers and their families, helping them manage their finances across borders more effectively.

Payin7 discovers the possibility of delaying payment by financing your purchases in easy installments. From 2 to 12 installments. From 35 euros to 1500 euros. Payin7 is a company 100% Spanish equity. It was founded by professionals with over 25 years of experience in banking and electronic commerce.

Akiba Digital is a data and technology company focused on delivering financial intelligence solutions. It specializes in developing a financial data aggregator application that assists users in managing their savings goals and overall financial management. The application provides on-demand insights and visualizations to help users track their progress, while also offering behavioral coaching as part of a premium rewards program. This enables individuals to access personalized financial guidance, promoting more efficient use of their financial resources. Akiba Digital aims to unlock financial opportunities for consumers, businesses, and society by leveraging alternative data.

Raise is a digital platform that simplifies the fundraising process for startups, founders, investors, and law firms. It offers tools to manage corporate structures and equity, allowing users to streamline their fundraising efforts. The platform automates cap table management and securely stores essential legal documents, facilitating future due diligence. By creating a centralized repository for legal and financial information, Raise enables clients to develop data-driven fundraising strategies that clarify company valuation and ownership before and after capital raises. Additionally, it supports the signing of agreements, fostering collaboration between clients and prospective investors to efficiently finalize deals.

Finplus Group is a technology company building a new credit & commerce infrastructure for emerging markets. We believe that access to markets & financial services should be a human right, available to everyone, everywhere, who wishes to participate in the modern economy. Our goal is to help close the massive $5.2Tn credit deficit faced by SMEs in developing countries every year. Finplus provides white-label digital finance & vertical ecommerce software to: 1. Enable banks & micro-lenders to lend to SMEs, at scale, across multiple markets 2. Help consumer goods companies to digitise sales end-to-end, effectively turning their supply chain into a demand chain 3. Unlock access to an instant line of credit for tens of millions of SMEs and individuals in emerging markets Finplus software has already processed over $1 Billion in transaction value across 5 emerging markets (Kenya, Uganda, Tanzania, Eswatini, South Africa), enabled more than 3 Million MSMEs & individuals to access credit and saved business customers over 1.2 Million man-hours through automation.

MarketForce is a technology company headquartered in the United States, with operations in Kenya and Nigeria, focused on enhancing B2B commerce and fintech solutions for African merchants. Launched in 2018, the company has developed the "RejaReja" platform, which allows merchants to digitally source, order, and pay for inventory. In addition to these services, MarketForce offers access to financing, enables digital payment collection, and allows merchants to resell digital financial services like airtime and utility tokens. Operating in five markets across Sub-Saharan Africa, MarketForce has established a rapidly growing network that includes over 200,000 merchants and 50 consumer brands. The company employs an asset-light business model to drive efficiency and productivity in the distribution of goods, utilizing advanced technology to streamline operations for its users.

Lifestores Healthcare is focused on democratizing access to quality and affordable primary healthcare through technology. The company operates a digital pharmaceutical marketplace that provides proprietary software designed to streamline pharmacy operations. This software allows clients to efficiently manage inventory, optimize purchase discounts, and access patient loans. By leveraging technology, Lifestores Healthcare aims to make healthcare services more accessible and affordable for a broader audience.

Medsaf is a pharmaceutical platform based in Lagos, Nigeria, that facilitates the delivery of medications to hospitals, pharmacies, and clinics. Founded in 2014, the company offers a wide range of products, including antacids, antiviral drugs, anaemia treatments, antiseptics, and vitamins. Medsaf aims to enhance the accessibility of affordable, quality medications through an integrated suite of technologies designed to improve efficiency and transparency in the supply chain. Its services include online product distribution, quality control as a service, and a marketplace that connects healthcare providers with vetted suppliers and logistics partners. Additionally, Medsaf features an embedded finance platform that provides buy-now-pay-later solutions for medication procurement, streamlining the financial aspects of the pharmaceutical supply process.

AkinTec is a venture debt fund that specializes in blended finance with a focus on environmental, social, and governance (ESG) criteria. The company also develops a fintech platform aimed at supporting small businesses. This platform provides various services, including bill payment, money withdrawal, and the establishment of a partner network. Additionally, it enables users to earn rewards for each transaction made within its marketplace, which features online shopping capabilities, virtual currency, and credit options. AkinTec's solutions are designed to assist customers in managing their budgeting and financial activities in everyday life.

Conta Black is a fintech company based in Brooklin Paulista, Brazil, founded in 2015. It provides a range of online banking services designed to facilitate financial management for its users. The company offers a digital bank account, a Black Money Card, and features such as mobile application access, internet banking, and loans. Users can execute financial transactions including ticket issuance, transfers between their Black Account and other banks, account payments, and withdrawals through the 24 Hour Network. By streamlining these financial services, Conta Black enables individuals to manage their finances more effectively.

Movimento Black Money serves as a vital resource for the Black community in Brazil, focusing on enhancing their economic participation and autonomy in the digital landscape. The organization addresses the unique challenges faced by this community by offering a range of financial resources and educational programs. It operates a digital marketplace and functions as a financial institution, providing tools and support to empower Black entrepreneurs and youth. Through its initiatives, Movimento Black Money aims to foster an innovative mindset, promote business development, and ultimately transform the Black entrepreneurial ecosystem.

Paperstack is a financial platform that offers working capital and business insights specifically tailored for e-commerce brands. The company leverages technology to deliver customized funding solutions that are easily integrated into existing operations. By providing on-demand working capital, Paperstack enables direct-to-consumer and retail brands to accelerate their growth through investments in inventory, advertising, and talent acquisition. The platform emphasizes a transparent fee structure, allowing online merchants to effectively manage their financial needs and enhance their business performance.

Cove Living Pte Ltd is a real estate company based in Singapore that specializes in property broking and management services. Incorporated in 2018, Cove operates as a technology-driven platform, providing ready-to-live homes for young professionals, students, and travelers in Southeast Asia's urban destinations. The company allows landlords to list their properties on its portal, enhancing visibility and revenue potential. In addition to property listings, Cove offers a range of services to landlords, including demand and revenue generation, property design, and operational management, aimed at maximizing return on investment.

Aquaconnect is a comprehensive aquaculture platform established in 2017 that supports fish and shrimp farmers in enhancing productivity and financial access through innovative technology solutions. By leveraging AI and satellite remote sensing, Aquaconnect captures pond data to deliver data-driven advisory services, enabling farmers to optimize water quality, aquatic health, and feed consumption. The platform facilitates connections between farmers and key stakeholders in the aquaculture value chain, including feed producers, equipment manufacturers, banks, and insurers. With an integrated approach, Aquaconnect has assisted over 60,000 farmers, providing them with context-aware alerts and suggestions to improve their operations. Additionally, the company offers data-enabled fintech solutions that enhance transparency for financial stakeholders engaging with the aquaculture community, ultimately helping to improve market linkages and value realization for farmers.

Goals101 is a Transaction Behavioural Intelligence company that focuses on enhancing business growth for banks through the application of Artificial Intelligence and Machine Learning. Its flagship product, the Alpha Platform, is a rapidly growing big data solution in the fintech sector. The platform processes billions of customer data points, transforming raw data into actionable insights and enabling the creation of effective campaigns. By leveraging advanced algorithms, Goals101 provides businesses with tailored alternatives and deep insights that improve productivity and drive real-time returns for stakeholders. The company aims to revolutionize banking by making it more personalized, automated, and user-friendly.

Walrus is a neobank in India focused on providing banking services specifically for teenagers. Recognizing the lack of suitable banking and payment solutions for this tech-savvy demographic, Walrus aims to serve around 100 million teenagers by offering a modern digital banking experience. The platform includes features such as digital bank accounts and a smart debit card, which come with curated rewards for every transaction. This approach not only facilitates financial management but also encourages users to develop good money habits and understand the complexities of financial responsibility. Through its innovative offerings, Walrus seeks to empower young individuals with financial freedom and education.

OkCredit is a mobile-based financial application designed to streamline credit account management for shop owners and their customers in India. Founded in April 2017 by Gaurav Kumar and Aditya Prasad, the company is headquartered in Faridabad. The application provides merchants with a straightforward and efficient way to track receivables and payables, allowing them to record credit and payment transactions digitally. By digitizing these records, OkCredit helps reduce the reliance on traditional paper account books, simplifying the process of maintaining financial records and improving overall efficiency for businesses operating on a credit basis.

Clip is transforming card acceptance in Mexico by providing portable card-reading hardware and a digital payment platform that enables businesses to accept all credit and debit cards, including contactless payments. The company's solutions allow businesses to turn smartphones or tablets into card terminals, facilitating seamless transactions without the need for complicated paperwork or monthly fees. By focusing on empowering Mexican businesses, Clip helps them increase sales and grow by offering a user-friendly application that simplifies payment acceptance. This approach positions Clip as a vital ally for merchants seeking efficient and accessible payment solutions.

TradeIn is a fintech and insurtech platform that provides a mobile application for the real-time evaluation of payment behavior among B2B customers. The application facilitates commercial prospecting and outstanding amounts management, helping businesses to effectively select prospects and secure their balance sheets. Additionally, TradeIn enhances cash management by offering alerts for potential unpaid invoices, thereby enabling enterprises to protect against non-payment and optimize their cash flow. Through its innovative approach, TradeIn supports businesses in improving financial stability and managing risk.

Kwara GmbH is a technology company that specializes in developing a digital banking platform tailored for savings and credit co-operative societies (SACCOs). Founded in 2018 and headquartered in Berlin, Germany, with an additional office in Nairobi, Kenya, Kwara aims to modernize credit unions by providing a comprehensive cloud-based solution. The platform facilitates loan application servicing and approval for members, while also offering integration services, customer support, real-time financial tracking, and compliance assistance. Kwara's offerings include Kwara Pronto, a tool for managing loans. Currently, the company serves over 200 SACCOs across Kenya, South Africa, and the Philippines, enabling these financial institutions to enhance their operations and improve access to formal financial services.

Vittas is a developer of a loan distribution platform that aims to enhance transparency in lending markets. The platform facilitates access to affordable and flexible loans for businesses without requiring collateral, enabling them to meet their working capital needs. In addition to supporting borrowers, Vittas provides lending institutions with essential tools to effectively assess credit risk, thereby fostering a more open and efficient lending environment.

Ndovu is an online financial advisory platform that provides personalized and cost-effective investment solutions for users looking to engage in both local and global financial markets. By offering curated investment funds and tailored investment plans based on individual risk tolerance and financial goals, Ndovu aims to improve access to investment opportunities. The platform focuses on simplifying financial concepts for its customers, utilizing advanced technology alongside knowledgeable financial advisors to enhance the investment experience and facilitate wealth generation.

FundStory is a financial technology company based in Atlanta, Georgia, founded in 2020. The company focuses on transforming how finance teams access and manage non-dilutive funds through its innovative online integration services. FundStory's workflow management software aids founders in identifying suitable funding opportunities, navigating applications, and analyzing term sheets, thereby facilitating the growth of their businesses. By providing digital agents to streamline these processes, FundStory enhances the ability of startup founders to achieve their funding objectives effectively.

Developer of a financial education platform designed for daily purchase round-ups and learning real-life money management skills. The company's platform offers a new-age banking application that allows people in the community to earn, save, spend, and give back through daily transactions, enabling parents to teach financial management to children right from an early age.

FundBlackFounders is a rewards based crowdfunding platform and funding ecosystem for Black-Owned Small Businesses & Startups.

PeduL Inc. is a company based in Newark, New Jersey, that operates an online crowdfunding platform aimed at helping students raise funds for higher education. Founded in 2016, PeduL's platform enables students to create campaigns to solicit financial support from friends, family, and even strangers. This approach not only alleviates the financial burdens associated with college expenses but also simplifies the scholarship application process by allowing users to apply for local and national scholarships using a single, universal application. By providing these resources, PeduL seeks to make education more accessible and empower students in their pursuit of higher education.

BizCapital is a financial services provider that specializes in offering loans to small and micro businesses that lack access to traditional banking institutions. The company employs a digital evaluation system that quickly analyzes and ranks loan requests, allowing for rapid funding decisions. By leveraging technology, BizCapital streamlines the loan application process, enabling clients to secure the necessary funds to support their business operations efficiently through an online lending platform.

Avenue is an online financial platform designed to facilitate access to the U.S. investment market for all types of investors. By eliminating minimum investment requirements and reducing costs, Avenue aims to create a more inclusive financial environment. The platform offers a straightforward and efficient investment and banking experience, allowing users to engage in international investing with enhanced security, guidance, and comprehensive information. Through its services, Avenue seeks to remove barriers to entry in the American financial system, making it accessible to a broader audience.

Freyda is a technology company that utilizes artificial intelligence to streamline data extraction from documents, specifically targeting the financial services sector. By automating the process of manual data entry, Freyda's platform enhances productivity, allowing users to manage data significantly faster. The company's machine learning algorithms are designed to recognize, extract, and normalize essential information, making it easier for clients to analyze data directly from documents without the need for manual intervention. This innovation not only simplifies workflows but also supports informed decision-making in investment strategies.

Uelz is a company that specializes in automating and routing payment collection for small and medium-sized businesses (SMBs) by integrating with multiple payment gateways. It offers a billing API designed specifically for recurring revenue businesses, enabling clients to manage payments, subscriptions, and customer information from a centralized platform. Uelz provides cloud-based applications and services that facilitate the recording, control, and analysis of customer and sales data, allowing businesses to streamline their operations and reconcile income efficiently. This comprehensive solution supports SMBs in operating globally while optimizing their online business management.

Debitto is an online platform designed to assist small and medium-sized entrepreneurs with automated debt collection services. It combines advanced technology and infrastructure to streamline the collection process, offering a transparent and efficient solution for managing delinquent payments. The platform features a simplified registration process and provides clients with a modern service solution supported by a specialized team. Users can control payment negotiations and track progress through various reports and a dashboard, allowing for direct recovery of funds into their accounts. By making high-tech debt collection resources accessible to smaller businesses, Debitto enhances operational efficiency and addresses challenges in managing accounts receivable.

HygiaBank specializes in offering banking solutions tailored specifically for the healthcare sector. The institution focuses on understanding the unique financial needs of healthcare providers, facilitating efficient financial management and transaction processes. By delivering targeted services, HygiaBank aims to support healthcare organizations in navigating their financial landscapes effectively.

DataRisk is an online predictive modeling platform that specializes in credit, collection, and fraud prevention, primarily serving financial institutions. Founded in 2015 and headquartered in Florianópolis, Brazil, the company offers a scalable web solution that allows for rapid model deployment, often within a few hours. Its software-as-a-service (SaaS) platform democratizes access to data science, enabling businesses to develop and automatically update machine learning models for various applications, including credit assessment and marketing. By automating document-checking processes and analyzing internal data, DataRisk helps clients enhance efficiency and reduce financial risk, thereby decreasing bad debts. The platform is designed to extract valuable insights and generate predictive models that support informed decision-making.

Grão Direto LTDA operates a digital trading platform that facilitates the buying and selling of grains, connecting farmers and grain buyers in a more efficient manner. Founded in 2016 and based in Uberaba, Brazil, the platform enables users to negotiate and finalize deals for spot, future, or barter trades. It enhances market intelligence, allowing producers and buyers to make informed decisions regarding pricing and grain selection. Additionally, Grão Direto supports various processes related to grain trading, including logistics, contract management, and financial products. The platform is accessible via both a web interface and a smartphone application, catering to a diverse range of users, including cooperatives, trading companies, traditional brokers, and warehouses. By integrating technology into grain commercialization, Grão Direto aims to modernize the agricultural commodity chain in Brazil and beyond.

Colbr is a fintech company that specializes in wealth management and financial services, offering a digital platform for global asset allocation. It provides access to a diverse range of investment options, including financial markets, private equity, and real estate, while ensuring transparency and eliminating hidden costs. The platform is designed to deliver premium and accessible services, allowing users to monitor and grow their assets effectively. Additionally, Colbr offers personalized advice and access to historically inaccessible investment opportunities, enhancing the overall user experience in asset management.

Magnetis Consultoria De Investimentos LTDA. operates an investment platform that focuses on financial planning and wealth management. Founded in 2012 and based in São Paulo, Brazil, the company provides digital solutions to help individuals develop long-term investment strategies. Through the use of sophisticated algorithms, Magnetis manages diversified, low-cost portfolios tailored to each investor's profile. Clients can invest directly online, allowing them to monitor their assets while the company ensures their investment plans remain aligned with their financial goals. In addition to investment management, Magnetis offers consultation services for property purchases, retirement planning, and other financial needs, making it a comprehensive resource for personal financial growth.

Remessa Online is a Brazilian-based platform that specializes in foreign exchange and international money transfer services. Founded in 2016 and headquartered in São Paulo, the company caters to both individuals and businesses, enabling them to conduct incoming and outgoing wire transfers to and from over 100 countries. With a commitment to simplifying cross-border transactions, Remessa Online utilizes proprietary technology to streamline the money transfer process, offering fees significantly lower than traditional local solutions. Since its inception, the platform has served over 300,000 customers, focusing on enhancing the experience of global citizens and businesses while addressing their international financial needs.

Cora is a digital bank based in São Paulo, Brazil, focused on serving self-employed individuals and small to medium-sized enterprises (SMEs). The company is currently in closed beta, preparing to launch its first product, a free mobile account tailored exclusively for SMEs. Cora aims to streamline financial processes by offering a modern platform that reduces bureaucracy and simplifies day-to-day financial tasks for entrepreneurs. In addition to the mobile account, Cora plans to introduce a range of payment solutions, credit products, and financial management tools, all designed to support the unique needs of small businesses. Founded by Igor Senra Magalhães and Leonardo Soares Barbosa Mendes, Cora seeks to enhance the financial landscape for SMEs in Brazil.

Warren Investimentos is an investment brokerage and wealth management firm based in Brazil, specializing in providing tailored investment solutions for clients at various life stages. The company distinguishes itself as the first in Brazil to adopt a goal-based investment model, a strategy previously utilized primarily by ultra-high-net-worth individuals abroad. Warren Investimentos emphasizes a client-centric approach that aligns its services with the specific objectives of each investor, effectively mitigating conflicts of interest that often arise in the market. Through its innovative wealth management platform, the firm enables clients to set investment goals, analyze results, and track performance, thereby facilitating informed decision-making and enhancing the overall investment experience.

FreeNFe helps to issue an NFe electronic invoice on the free issuer, issue an NFe in seconds, and also issue an NFCe consumer invoice. This platform allows to issue invoices online from anywhere.

AkinTec is a venture debt fund that specializes in blended finance with a focus on environmental, social, and governance (ESG) criteria. The company also develops a fintech platform aimed at supporting small businesses. This platform provides various services, including bill payment, money withdrawal, and the establishment of a partner network. Additionally, it enables users to earn rewards for each transaction made within its marketplace, which features online shopping capabilities, virtual currency, and credit options. AkinTec's solutions are designed to assist customers in managing their budgeting and financial activities in everyday life.

Shared Harvest Fund is a non-profit organization focused on alleviating the financial burdens of student loan debt, particularly for medical professionals, including BIPOC and female practitioners. The organization operates a fintech platform that facilitates volunteer opportunities, allowing students and professionals to engage in meaningful side hustles to help pay down their student loans. Additionally, Shared Harvest Fund promotes social impact through managed corporate student loan repayment solutions and corporate social responsibility (CSR) programming. By supporting a diverse and resilient medical workforce, the organization aims to improve healthcare access for underserved communities while also addressing the mental health needs of practitioners.

Freeman Capital is a tool for financial planning. One-on-one financial planning is now accessible, scalable, and cheap to anyone.

Qoins Technologies, Inc., established in 2017 and based in Atlanta, Georgia, specializes in developing financial wellness applications. Its core product is an automated platform that helps users reduce their debt by rounding up daily credit card purchases and applying the spare change towards their student loans or credit card balances. This process, which occurs in $5.00+ increments, enables users to pay off their debt more quickly and achieve their financial goals.

Pravaler S.A. is a financial services company based in São Paulo, Brazil, specializing in the private education sector. Established in 2001, it offers a range of solutions, including educational loans for undergraduate, graduate, and distance learning programs. Pravaler's digital platform assists students in managing their financial commitments, allowing those who are behind on payments to catch up and enroll in courses without incurring additional charges. The company also provides debt renegotiation options through its Desenrola program, enabling graduates to address outstanding debts with flexible repayment terms. In addition to its core lending services, Pravaler engages in the management and structuring of investment funds, consultancy services, and the administration of accounts payable and receivable, while also offering risk assessment and credit advisory services tailored to the education sector.

Caju is a Brazilian company founded in 2019, based in Pinheiros, that specializes in providing a comprehensive employee benefits platform. The company offers a benefit card that enables employees to access various benefits, including food stamps, transportation costs, and other human resource-related perks. Caju's platform allows companies to register employees and manage their benefits efficiently. Each employee receives a single Visa card, which can be used across multiple categories such as food, meal, mobility, culture, health, education, and home office expenses. Additionally, Caju's application tracks all benefits and vouchers, helping both companies and employees monitor their usage and adjust benefits according to individual needs and company policies.

Yubb is a search engine focused on helping users discover profitable investment opportunities in Brazil. The platform allows users to input their investment amount and desired redemption duration, resulting in a curated list of investment options, including investment funds, fixed income, and variable income products. By utilizing this tool, clients can enhance their investment predictability and aim for returns that surpass inflation.

We are a DLT company based in London and have started our bank authorization process to solve the problem of denial of bank accounts to blockchain businesses. We are building a Utility Bank from scratch & engineering it to leverage DLT.

Toro Investimentos is a fintech investment company that specializes in helping clients identify and capitalize on market opportunities. It offers a user-friendly online platform that facilitates the trading of securities, allowing investors to engage in the market efficiently and securely. By providing brokerage services with zero brokerage fees, Toro Investimentos aims to empower individuals to achieve financial freedom through informed investment choices. The company focuses on delivering accessible investment solutions tailored to meet the needs of its clients.