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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.

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.

TaxxWiz is a virtual tax preparation company that provides a solution for individuals and business owners to have a reliable resource for financial needs and services.

Herconomy is the first bank for women in Nigeria. Women can build their finances and capacities, collaborate, and access opportunities. Empower women in Nigeria and beyond to be financially independent, thereby contributing to the socioeconomic growth of their ecosystem.

BezoMoney is a digital savings platform based in Accra, Ghana, designed to assist low-income earners in saving effectively and achieving financial independence. The company offers a personal e-wallet with a locking feature, enabling users to save over time while ensuring the security of their funds. Additionally, BezoMoney provides a group e-wallet that facilitates communal savings among users, promoting collaboration and accountability. The platform incorporates a machine learning model that rewards consistent saving behavior with points that can be redeemed for discounts on purchases, property acquisition, and investment opportunities. By leveraging technology, BezoMoney aims to bridge the gap between financial constraints and freedom, ultimately enhancing users' creditworthiness and access to capital.

Evolve Credit is a Nigerian fintech company founded in 2020, headquartered in Lagos. It operates an online platform that empowers consumers to explore, compare, and apply for various loan products tailored to different needs, including personal loans, SME loans, and options for salary earners and the unemployed. The platform provides expert reviews, ratings, and comparisons based on price, interest rates, and other terms. Additionally, Evolve Credit offers a Software as a Service (SaaS) core banking platform that enables financial institutions to streamline, digitize, and manage deposit, lending, and recovery services efficiently. This platform includes no-code tools designed to offer personalized customer banking experiences both online and offline.

SmartWage Pty Ltd. is a financial technology company based in Johannesburg, South Africa, that provides innovative payday solutions aimed at enhancing financial wellness for employees. Founded in 2019, SmartWage offers services that allow employees to track their earnings and access their earned salaries on demand. The company also provides salary-packaging administration services to both employers and employees, making it one of the most affordable and accessible options in the South African market. Through its offerings, SmartWage seeks to improve the overall financial well-being of individuals by enabling timely access to earned wages.

Mosmos is a financial technology company that offers a platform enabling customers to purchase valued items through flexible and partial installment payments. The application is designed to provide stress-free and debt-free payment solutions, allowing users to take possession of products or services while managing their financial commitments. Mosmos also incentivizes users with cash rewards, promoting a more accessible and convenient shopping experience. By focusing on flexibility and security, Mosmos aims to help customers achieve their financial goals without the burden of traditional financing methods.

MipangoApp is a financial data analysis, education, money management, and recommendations software for Financial Institutions, and a mobile application for the unbanked. They are enabling users to track their income and expenses, set financial goals, and get personalized financial advice and investment opportunities.

Snowball Wealth, Inc. is a financial management company based in San Mateo, California, founded in 2018. It specializes in providing personalized guidance for student loans and broader financial planning, focusing on debt management, retirement, and investment strategies. The company has developed a mobile platform that combines community engagement, social challenges, and AI-driven planning to assist users in addressing financial challenges. By fostering an open dialogue around debt, income, and investing, Snowball Wealth aims to alleviate the stigma associated with these topics. Its innovative approach empowers individuals to make informed financial decisions, manage their student debt effectively, and build generational wealth through tailored advice and resources.

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 based in Cambridge, Massachusetts, designed to enhance financial inclusion for Africans by providing them with access to US bank accounts, debit cards, and money transfer services. The platform facilitates seamless global transactions through features such as easy signup, a multi-currency wallet, and zero transaction fees. Additionally, CashEx offers a fund wallet and the ability to swap currencies, enabling immigrants relocating to the US to obtain equitable access to essential financial services.

Awabah is a company that offers a subscription-based service aimed at providing accessible financial benefits for business owners and their employees. For a nominal monthly fee, Awabah delivers a comprehensive package that includes health insurance, micro pensions, life insurance, and accident cover. This innovative service is particularly beneficial for self-employed individuals and those without formal pension plans, such as entrepreneurs, drivers, traders, artisans, and freelancers. By facilitating the establishment of digital pension schemes, Awabah enables users to set aside funds for their future and achieve their personal financial goals, thus promoting financial security and stability.

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.

Nomad is a fintech company that offers financial services primarily aimed at non-residents in the United States. Its platform enables users to open current accounts, transfer money, and pay bills easily. Additionally, Nomad provides a virtual card for online shopping, allowing Brazilian residents to access these financial services without incurring fees. This innovative approach facilitates hassle-free banking and financial management for individuals who may otherwise face challenges in accessing traditional financial services.

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, lending opportunities, and a wallet application. The company employs a lean operational model that allows it to offer lower interest rates for borrowers while providing higher returns for depositors and investors. Kubo.financiero's innovative approach is designed to foster a "multiplier effect," aimed at generating and strengthening Mexico's emerging middle class through customer-centered financial solutions. By focusing on accessibility and user benefits, Kubo.financiero seeks to enhance financial freedom for its clients.

Blossom Social is a startup focused on creating a social investing platform aimed at enhancing financial literacy and fostering community engagement in investment decisions. The platform enables users to view the portfolios and trades of both friends and top investors, facilitating the discovery of new investment ideas through shared knowledge and experiences. By combining robust portfolio tracking tools with an innovative educational approach akin to Duolingo, Blossom empowers individuals to make informed financial choices. The company is committed to building an inclusive community where users can learn from one another and collectively take control of their financial futures.

Much is a financial technology company based in New York that offers a social banking platform aimed at empowering users, particularly millennials and Generation Z, to manage their finances effectively. The platform facilitates saving, investing, and debt management by leveraging community interaction and support. By helping users make informed financial decisions and save time on research, Much enables individuals to take greater control of their financial well-being and achieve their monetary goals.

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.

Taxumo is a company focused on facilitating economic growth by providing tax compliance solutions for micro, small, and medium enterprises (MSMEs), freelancers, and self-employed professionals. Its software-as-a-service platform automates the computation, filing, and payment of business taxes, allowing users to manage their tax responsibilities efficiently. Taxumo's services are designed to alleviate the stress associated with tax compliance, enabling clients to concentrate on their core business activities. The company is accredited by the Bureau of Internal Revenue, ensuring that its offerings meet regulatory standards. By providing a user-friendly, end-to-end mobile responsive web application, Taxumo enables its users to file their taxes accurately and on time, eliminating the need for hiring accountants.

Go, formerly known as Upward, is a personal financial application tailored for gig workers, including drivers and delivery personnel. The platform assists users in managing their finances by tracking income and expenses, predicting future taxes based on current earnings, and facilitating bill management. Go aims to help users save for their taxes from 1099 income by encouraging them to set aside funds each quarter. Additionally, the application maximizes deductions related to expenses and mileage, enabling users to reduce their overall tax liabilities. Through its user-friendly interface, Go provides essential tools for financial planning, ensuring that gig workers can effectively manage their earnings and optimize their financial outcomes.

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.

Pasito is a company that specializes in enhancing employee participation in various benefits programs, including health savings accounts, supplemental medical insurance, voluntary insurance, and retirement accounts. By utilizing advanced algorithms and data analytics, Pasito simplifies the complexities of the benefits market, making it more accessible for employees to understand and utilize their benefits year-round. The company's platform provides tailored guidance and personalized support, acting as a central resource for employees to make informed decisions regarding their health plans and pre-tax benefits. This approach not only improves the employee experience but also helps organizations engage their workforce effectively while reducing payroll and health premium costs.

Snowball Wealth, Inc. is a financial management company based in San Mateo, California, founded in 2018. It specializes in providing personalized guidance for student loans and broader financial planning, focusing on debt management, retirement, and investment strategies. The company has developed a mobile platform that combines community engagement, social challenges, and AI-driven planning to assist users in addressing financial challenges. By fostering an open dialogue around debt, income, and investing, Snowball Wealth aims to alleviate the stigma associated with these topics. Its innovative approach empowers individuals to make informed financial decisions, manage their student debt effectively, and build generational wealth through tailored advice and resources.

FinMarie is an innovative financial platform in Germany designed specifically for women, aimed at empowering them to take control of their financial futures. The company focuses on providing education, technology, and personalized solutions to address the unique challenges women face in investing and financial management. By utilizing advanced algorithms, FinMarie helps users set financial goals and assess their risk tolerance, allowing for effective portfolio management and rebalancing. The platform combines digital financial education with tailored guidance to assist women at every stage of their financial journey, ultimately enabling them to build investment and financial security with confidence.

CreditAIs specializes in developing credit scoring tools tailored for micro businesses and individuals who are underserved by traditional credit scoring models. The company focuses on digitizing the credit application process for microlenders, enhancing their ability to provide credit to these borrowers. By leveraging machine learning, CreditAIs generates predictive insights that empower lenders to refine their lending conditions. This innovative approach not only facilitates access to credit for those outside conventional scoring systems but also supports wealth-building opportunities for individuals and small businesses.

Asilimia is a mobile payment platform designed to facilitate seamless transactions for African micro-entrepreneurs. The app allows users to send money via M-PESA quickly and without incurring transaction fees, making it an accessible option for those looking to digitize their financial practices. By enabling business owners to manage all transactions in one centralized location, Asilimia helps users create cash-based accounting records and maintain an organized ledger for outstanding debits and credits. This functionality supports the financial growth and digitization of small businesses across Africa.

ClinicPesa is a fintech company that facilitates healthcare financing. It operates a digital micro-savings and loan platform, accessible via USSD and an Android app. Users can set up standing orders to save money over time, with savings and loans available for use at registered healthcare providers, helping users manage medical expenses more affordably.

Cauri Money is a financial services company that provides a range of digital solutions for managing and transferring funds. It offers users the ability to exchange, save, and send money through its platform, which includes features such as a wallet with a BG IBAN, peer-to-peer payments, virtual and physical Mastercards, and dedicated financial supervision. The service is accessible to anyone, regardless of their banking affiliation, making it convenient for users to handle daily expenditures and send money to Africa.

Eversend SAS is a financial technology company based in Paris, France, that specializes in developing a multi-currency e-wallet application. Established in 2017, Eversend enables users to exchange, send, and spend money across various currencies while also providing services such as cryptocurrency purchases and virtual card creation. The platform leverages blockchain technology to facilitate electronic money transfers, allowing clients to send funds to bank accounts and mobile payments with reduced fees and favorable foreign exchange rates. Eversend plans to expand its offerings to include personal loans, savings, group savings, merchant payments, and investment services, targeting markets in Nigeria, Francophone Africa, and Europe. The company is focused on product development, user acquisition, and regulatory compliance to enhance its services and strengthen its financial position.

Uellbee is a data-driven technology company dedicated to enhancing financial wellness for the middle class. It provides personalized and flexible consumer loans, focusing on debt refinancing solutions. Uellbee also features a proprietary personal financial management tool known as GPS Financiero, which assists users in managing their finances effectively. In addition to these services, the company offers financial coaching and savings instruments, enabling individuals to optimize their credit and automate their financial management. Through its innovative platform, Uellbee aims to empower consumers to take control of their financial health.

Akiba Digital is a data and technology company focused on delivering financial intelligence solutions. It develops a financial data aggregator application aimed at assisting users in managing their savings goals and overall financial management. The application provides on-demand insights and visualizations related to savings objectives, along with financial behavioral coaching as part of a premium rewards program. This feature grants users access to personal financial coaching, promoting more efficient utilization of their finances. Akiba Digital's mission is to unlock financial opportunities for consumers, businesses, and society through the use of alternative data.

ImaliPay is a financial health platform that focuses on providing tailored financial products specifically for freelancers and blue-collar gig workers. By collaborating with various gig platforms, ImaliPay aims to create a supportive ecosystem that enables gig workers to establish a financial safety net around their employment. The company's offerings include accessible savings options and transparent financing solutions designed to enhance productivity and promote economic empowerment. Through these initiatives, ImaliPay seeks to improve the financial well-being of workers and freelancers, helping them achieve greater financial health and stability in an evolving gig economy.

Shecluded is a financial consulting company focused on empowering women by providing access to a range of financial services. The company operates an online platform that offers business and personal loans, aimed at supporting personal development, career advancement, and business growth. In addition to lending, Shecluded provides investment advisory services, retirement planning, and health insurance options. Through these offerings, the company seeks to facilitate financial freedom for women by enabling them to achieve their financial goals and access essential resources for their growth and security.

Movimento Black Money is an organization dedicated to promoting the economic empowerment and autonomy of the Black community in Brazil. It serves as a hub that focuses on enhancing the entrepreneurial ecosystem by providing financial resources, educational programs, and a digital marketplace tailored to address the unique economic challenges faced by this community. Through its initiatives, Movimento Black Money aims to foster the development of innovative mindsets among Black entrepreneurs and youth, encouraging them to create competitive advantages in the marketplace. The organization emphasizes communication and education as vital components in transforming the landscape for Black businesses and facilitating their integration into the digital economy.

OkCredit is a financial technology company that offers a mobile-based application designed to streamline credit account management for shop owners and their customers. Founded in April 2017 by Gaurav Kumar and Aditya Prasad, the company is headquartered in Faridabad, India. The application allows merchants to easily record credit and payment transactions digitally, simplifying the process of tracking receivables and payables. By digitizing these transactions, OkCredit enables businesses to move away from traditional paper-based accounting methods, thereby reducing the burden of maintaining physical records. This innovative solution supports merchants in managing their financial operations more efficiently across the country.

Ndovu is a financial advisory platform that provides personalized and cost-effective investment solutions for users seeking to engage with both local and global financial markets. The company employs advanced technology and expert financial advisors to simplify investment processes, making them more accessible to a broader audience. Ndovu's platform features curated investment funds and tailored investment plans that align with individual risk tolerance and financial goals, empowering customers to navigate the complexities of investing and enhance their wealth-building potential.

Kiddie Kredit is a mobile chore-tracking app designed to enhance financial literacy among children by teaching them about credit management. The app operates on the principle that a child's performance in completing household chores directly affects their Kiddie Kredit score, which mimics traditional credit scoring models. Children can record their completed chores, which are then approved or denied by a parent or guardian. The app calculates a weekly score based on the quantity and punctuality of chores completed, ultimately determining the amount of their predetermined weekly allowance, which can be monetary or non-monetary. This engaging platform aims to foster a better understanding of credit concepts in a fun and interactive way.

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.

Lili is a New York-based company founded in 2018 that offers digital banking services tailored specifically for freelancers. By providing a comprehensive suite of financial tools, Lili enables users to manage their work and personal finances within a single account. The company focuses on removing obstacles that freelancers face in financial management, empowering them with features such as real-time expense tracking, tax tools, and financial insights. Through a human-centered design approach, Lili aims to enhance the user experience and address the unique needs of its customers, allowing them to maintain a balanced work-life dynamic.

Colbr is a fintech company specializing in wealth management services. It offers a digital platform that provides transparent access to global asset allocation across various sectors including financial markets, private equity, and real estate. The company aims to deliver premium yet accessible services without hidden costs, offering personalized advice and historically inaccessible investments. This enables users to effectively monitor and develop their assets.

Barkus Educacional is a social impact business dedicated to enhancing financial education and entrepreneurship among young people and adults. Founded in May 2016 by three teenagers who experienced the transformative power of financial literacy, Barkus aims to democratize access to personal finance knowledge. The company offers a range of programs that include educational workshops, mentorship opportunities, and practical tools designed to empower individuals with the skills needed to navigate the financial landscape. Through these initiatives, Barkus seeks to help participants build confidence, develop viable business ideas, and avoid indebtedness, ultimately enabling them to make meaningful contributions to their communities and achieve their personal and professional aspirations.

Financier Escolas is an ed-tech company focused on delivering financial education through a gamified experience enhanced by artificial intelligence. By leveraging advanced technology, the firm aims to make learning about finance engaging and accessible. Currently operating in stealth mode, Financier Escolas is dedicated to creating innovative educational solutions that empower individuals to improve their financial literacy in an enjoyable manner.

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.

Zirtue, LLC is a Dallas-based company founded in 2018 that specializes in a mobile lending application designed to facilitate loans among friends, family, and trusted relationships. The application simplifies the lending process by automating payments, allowing users to receive repayments through direct bank transfers. This system ensures that loan amounts and repayment terms are set by the borrower and lender, fostering transparency and reducing the awkwardness often associated with informal lending. By integrating real-time payment capabilities, Zirtue enables users to manage loans conveniently and securely, thereby digitizing and mobilizing personal lending practices.

Freeman Capital is an investment advisory firm that focuses on managing wealth and creating risk-free portfolios for its clients. The company has developed an artificial intelligence-based platform that identifies and capitalizes on opportunities in the foreign exchange market. This technology allows for the creation and automation of customized financial programs that include loss protection features. By leveraging this platform, Freeman Capital aims to help both seasoned investors and beginners learn about currency trading opportunities and invest in profitable portfolios while minimizing capital risks. The firm is dedicated to promoting diversified investments that cater to a diverse clientele.

Zirtue, LLC is a Dallas-based company founded in 2018 that specializes in a mobile lending application designed to facilitate loans among friends, family, and trusted relationships. The application simplifies the lending process by automating payments, allowing users to receive repayments through direct bank transfers. This system ensures that loan amounts and repayment terms are set by the borrower and lender, fostering transparency and reducing the awkwardness often associated with informal lending. By integrating real-time payment capabilities, Zirtue enables users to manage loans conveniently and securely, thereby digitizing and mobilizing personal lending practices.

Celero is a financial management company based in Curitiba, Brazil, founded in 2014. It offers a platform and mobile application designed to assist small and medium-sized service providers in managing their finances. The platform allows users to capture images of payment slips, invoices, and other financial documents, facilitating automatic bank reconciliation and transforming these documents into actionable payments and reports. Celero's services include tracking cash flow, approving scheduled payments, and providing comprehensive financial control through easy-to-use software. By integrating with various business technologies, Celero aims to streamline financial management processes, enabling clients to save time and improve financial oversight.

Maji is a financial wellbeing and money management platform dedicated to enhancing financial outcomes through education and behavioral change. The company aims to build a secure financial future for individuals by addressing their money-related concerns, regardless of their personal circumstances. Maji employs powerful diagnostics to identify users' financial challenges, goals, and opportunities, providing tailored education, coaching, and advice. Its engaging tools empower users to alleviate financial worries and improve their financial futures. For employers, Maji offers the ability to monitor and enhance their employees' financial wellbeing, along with valuable data insights to inform employee benefit strategies. The platform also increases member engagement for pension providers by offering multi-format education and coaching that encourages individuals to save at recommended rates and consolidate their pensions. Ultimately, Maji strives to create more informed users, richer data, and enhanced financial health.

BLU365 is a digital trading platform based in Brazil that facilitates debt negotiation for its users. The company is dedicated to helping individuals manage and resolve their debts through an intuitive online interface. By analyzing the profile of each client before proposing negotiation options, BLU365 aims to enhance operational efficiency and effectiveness in achieving favorable outcomes. The platform has successfully conducted thousands of online negotiations across various sectors, with a commitment to supporting customers in maintaining their financial well-being throughout the year.

TerraMagna is a Brazil-based digital lender focused on addressing the specific challenges and opportunities within the agricultural sector in Latin America. The company provides a comprehensive suite of financial products, including personal loans, Canadian Forces base lending, embedded buy now pay later options for agricultural inputs, and crop-collateralized financing. These offerings are accessible through an online platform designed to enhance user experience. TerraMagna aims to not only provide credit but also to contribute to the transformation of agriculture by strengthening all links in the agricultural value chain and encouraging sustainable food security practices.

Moneto, founded by Marcos Arruda, Carlos Arruda, and Paulo Silva Filho in 2013, is a financial services application based in Sao Paulo, Brazil. The company specializes in automating and controlling the receipt and management of sales for small businesses and insurance companies. Moneto's platform accelerates the process of receiving sales payments and automates billing, ensuring that businesses receive payments promptly. This enables organizations to access credit more efficiently, facilitating reinvestment into growth initiatives.

AIM is an online platform that allows its users to make trades and investments via smartphone. Its platform specializes on personal finance, portfolio management, asset allocation, and mobile investment application. The company was founded in 2016 and headquartered in Seoul, South Korea.

Finda, Inc. is a data-driven online comparison platform based in Seoul, South Korea, specializing in various financial products such as mortgages, personal loans, and investments. The company enables users to compare different financial offerings by collecting and analyzing data from multiple industries, including the automobile finance sector. Finda's platform not only helps users identify suitable financial products but also provides economic calculation services related to housing loans, monthly savings, and loan repayment. By focusing on delivering customized financial information, Finda aims to empower individuals to make informed financial decisions in a timely manner.

Rainist Co., Ltd., established in 2012 and headquartered in Seoul, South Korea, is a financial technology company specializing in personal finance management. It develops the Banksalad application, which collects and analyzes users' financial data to provide tailored expenditure analysis and credit card recommendations based on individual spending patterns.