Mastercard Start Path

Electronic KYC provides customer verification solutions for business sectors. That offers video verification, 3D liveness detection, 2Factor authentication, and address verification features.

Neofin is a Shopify for lending business. It is a low-code SaaS for lending automation that allows launching any lending business in as fast as 15 minutes, establishing the credit products in 1 hour, and issuing credits and earning the same day. Neofin's modulated platform enables a financial institution to create full-cycle loan applications and services such as PDL or BNPL directly from our easy-to-use Control Panel. Its modules include: - POS front-end/ BNPL widget - Loan Management system - Borrower area site builder - Debt collection - Digital onboarding and KYC - CRM/marketing - Decision engine/credit scoring

“Zhabka” is the first versatile payment service for individuals and businesses "Zhabka" allows you to pay, accept payments and transfer means via any social network or messenger. “Zhabka” is a free mobile application, which turns a smartphone into a POS-terminal. Using “Zhabka” entrepreneurs can receive payments and send receipts for payment in any messenger. “Zhabka” also allows to transfer or request for a transfer of funds from card to card via Apple Pay and Google Pay, or enter the card number manually - in Viber, Telegram and other messengers.

RemOnline is a software company that offers web and mobile applications for the small and SME's.

RociFi has developed a protocol that leverages on-chain data, machine learning and decentralized identity data to facilitate undercollateralized loans via the blockchain. Its scoring process will identify a borrower’s trustworthiness based on their digital identity and allow lenders to lend their money according to their credit risk scores.

Suberra is a company that specializes in facilitating cryptocurrency payments for businesses, aiming to enhance the user experience in this evolving financial landscape. It offers a range of services, including the acceptance of crypto payments for commerce, one-time transactions, and subscription models. Suberra's payment infrastructure is designed to enable safe and secure transactions, providing both consumers and merchants with a streamlined process for using cryptocurrencies and stablecoins. This approach not only simplifies payment acceptance for businesses but also empowers consumers to transact more freely and efficiently in their everyday purchases.

Coala Pay is developing a comprehensive platform tailored for aid organizations to streamline the verification and delivery of aid funding. This solution not only simplifies the movement of aid money across borders but also incorporates AI-driven tools to monitor the effectiveness of funds distributed. By enhancing traceability and addressing challenges such as foreign currency risks, high banking fees, and delays, Coala Pay aims to make the financial management of aid more efficient and effective.

Axelar is a company focused on creating interoperability software that facilitates communication between different blockchain ecosystems, applications, and users. Founded in 2020 by Sergey Gorbunov and Georgios Vlachos, Axelar Network encompasses a suite of protocols, tools, and APIs designed to eliminate barriers to cross-chain communication. The company utilizes byzantine consensus, cryptography, and mechanism design protocols to enable decentralized applications to operate across various blockchains seamlessly. This allows developers to select the most suitable platform for their needs while leveraging Axelar's solutions to enhance cross-chain composability and liquidity. Through its offerings, Axelar aims to simplify the development of cross-chain decentralized applications, providing users with a robust and distributed network.

Cheeze operates a minting studio designed for photographers, enabling them to create and share their work as non-fungible tokens (NFTs). The platform serves as a social space for families and close friends to capture and share memories. Users can mint their photography collections on the blockchain without incurring gas fees, ensuring secure transactions and sales tracking. Cheeze facilitates the curation and discovery of NFT photography, allowing users to manage their sales effectively while leveraging blockchain technology for enhanced security and transparency.

Qonbay is an integrated platform that offers a reward programme together with business solutions. Qonbay Provides sellers and creators with the tools they need to build web3-based customer loyalty programmes that improve scalability and make it easier to move between the real world and the virtual world.

Mammoth Climate focuses on enabling organizations to achieve their climate goals by promoting employee-led initiatives for emissions reduction. The company provides a platform that rewards employees for enhancing their climate literacy and implementing strategies that lower corporate emissions while also saving costs. Additionally, Mammoth Climate offers a membership program that supports projects in wind, solar, and reforestation aimed at carbon dioxide removal. Members can calculate their carbon dioxide output and receive discounts at sustainable partner brands. This approach empowers individuals to align their professional efforts with personal commitments to combat climate change.

Agora Services provides a cloud-based fintech platform designed to enhance the digital capabilities of financial institutions, particularly community banks and credit unions, without the need to overhaul their core banking systems. The platform enables real-time account management, allowing banks to improve user experiences and increase deposits and revenues. Agora's offerings include tailored solutions for various demographics, such as teens and their parents, gig economy workers, and the elderly. For teens, Agora offers accounts that provide financial independence while allowing parental oversight. Gig economy workers benefit from streamlined banking services that cater to their unique needs, including virtual onboarding and transaction management. Additionally, Agora supports elderly customers and their caretakers by facilitating secure access to accounts, ensuring financial transactions are legitimate and adequately funded. Through these innovative solutions, Agora Services empowers financial institutions to meet the diverse banking needs of their customers.

Lidya is a financial services platform based in Lagos, Nigeria, focused on improving access to credit and finance for small and medium enterprises. Founded in 2016, Lidya enables businesses to open accounts online, manage funds, and access credit within 15 minutes using mobile-first technology and proprietary credit scoring algorithms. The platform offers a range of banking services, including invoice financing and working capital, designed to help business owners build credit profiles and secure affordable financing. Additionally, it provides tools and dashboards for managing receivables and cash flow, allowing businesses to enhance their credit scores and unlock higher credit limits.

AID:Tech is a digital finance platform established in 2016 by Joseph Thompson and Niall Dennehy. The company focuses on enhancing traceability and transparency in the flow of funds, particularly for governments and organizations involved in international aid and social welfare. By utilizing blockchain technology, AID:Tech issues digital identities that allow individuals to own, control, and monetize their metadata. This innovative approach enables clients across various sectors to efficiently manage the distribution of payments and entitlements, thereby improving the overall effectiveness of payment services.

RecommenderX is an artificial intelligence company focused on creating advanced data analytics and recommender systems for the enterprise market. The company's cloud-based Recommendation as a Service platform transforms data into actionable insights, enhancing business value for clients in various sectors, including FinTech, Travel, and Telecommunications. With a foundation in AI academic research, RecommenderX's team utilizes machine learning, natural language processing, user modeling, information retrieval, and personalization techniques to develop innovative solutions. The company also provides data visualization applications and a suite of API-Platform products that can seamlessly integrate with existing systems, facilitating the digital transformation of manual processes for its clients.

Airwallex is a global payment and financial platform designed to streamline international transactions and reduce the costs associated with traditional financial systems. It offers a comprehensive suite of services, including payment processing, treasury management, and spend management, all integrated into a single platform. By utilizing a network of local payment systems and application programming interfaces, Airwallex allows businesses to issue and pay invoices in their preferred currencies at competitive exchange rates. The company aims to empower entrepreneurs and businesses by providing them with the tools necessary to expand their operations and seize opportunities in markets worldwide.

Mozio is an airport ground transportation search engine. We help you travel that final mile from the airport to your final destination. Mozio originated out of founder David Litwak's travels, where he was constantly frustrated by flying into new destinations and realizing he had no clue how to actually get into the city. Mozio aggregates all the local taxis, limos, public transit, shared-ride shuttles, airporters, rideshare etc. to help you navigate all the local options and make sure you get the best deal. We have raised a small seed round from Amidzad Partners, and a few angels, one of whom is the Chairman of the Board @ Orbitz. We are super excited to make this dream a reality!

Cyberfend offers a robust security solution to protect your web and mobile applications from sophisticated attacks and fraudulent activity. Cyberfend uses a new security paradigm – human cognitive science combined with advanced machine learning. The solution detects account takeover, payment fraud and stolen credentials, in real time with near zero false positives. Cyberfend's Cognitive Security Engine solves several challenging problems with zero false positives. Cyberfend's BotFender is the most comprehensive bot/automation detection service available in the market today.

PayKey provides a mobile banking solution that allows banks to offer a variety of financial services, such as peer-to-peer payments, balance checks, and cardless withdrawals, directly within any mobile application. By integrating a banking button into the smartphone keyboard, PayKey enhances user engagement and simplifies the banking experience, enabling customers to access financial services seamlessly without switching apps. This innovative approach helps banks remain relevant in a competitive landscape where consumers demand instant and efficient access to their financial needs. By facilitating these services in a contextually relevant manner, PayKey aims to improve user experience and strengthen brand loyalty for banks.

Itembase is an e-commerce API integration platform that connects online shops with various service providers. Founded in 2011 and headquartered in San Francisco, California, Itembase enables solution providers to offer their services across multiple e-commerce systems through a single integration. The platform supports over 120,000 online shops, allowing them access to tailored solutions that meet their specific needs. By streamlining integration processes and reducing the complexity of upgrades, Itembase facilitates the global connectivity of e-commerce service providers with shopping carts, marketplaces, and point-of-sale systems. This approach helps businesses expand into new markets efficiently while automating their integration and data management processes.

ViSenze is a product discovery platform that enhances how consumers search for and discover products online. Trusted by major retailers such as ASOS, H&M, and Rakuten, ViSenze processes over a billion queries monthly, providing solutions for in-store and e-commerce environments. The platform offers various services, including enhanced search functionality, product tagging, smart recommendations, and merchandising analytics. By leveraging automated AI technology, ViSenze helps retail merchants improve the shopping experience, ultimately driving revenue growth through more efficient product discovery. The company's innovative approach positions it as a leader in the retail technology space.

Supersmart Ltd. is a retail technology company based in Rosh HaAyin, Israel, that specializes in self-checkout systems and mobile application platforms for retailers. Founded in 2014, the company utilizes advanced AI loss prevention technology and proprietary machine-learning algorithms to enhance self-scanning transactions in physical stores. Supersmart's solutions allow customers to scan products and pay using their smartphones, enabling a seamless checkout experience while minimizing the risk of loss for retailers. By tracking various parameters and disassembling shopping carts into individual components, Supersmart supports retailers in implementing efficient mobile scanning options that enhance customer satisfaction.

InvoiceSharing B.V. is a financial services marketplace based in Rotterdam, the Netherlands, that specializes in providing free electronic invoicing solutions. Established in 2009, the company offers a platform where users can send and receive invoices without charge, as well as integrate their billing or financial systems. The platform facilitates direct electronic invoice transactions between accounting and invoice scanning software companies and their clients, enhancing efficiency and reducing costs. InvoiceSharing also features an application store that includes various tools designed to improve cash flow and streamline accounting processes. While the core services are offered for free, InvoiceSharing generates revenue through the sale of premium products and provides white label solutions to banks and software companies.

Saida is a lending platform focused on emerging markets, initially launched in Africa, that enables borrowers to secure loan approvals instantly through their mobile phones. The platform is designed to streamline the borrowing process, making it accessible and efficient for users in select countries. In addition to its lending services, Saida has developed a mobile-based expense-tracking application that assists users in monitoring their spending activities. This application categorizes expenses, helping users manage their finances more effectively and avoid confusion between personal and project-related funds. By combining lending and expense management, Saida aims to empower individuals in emerging markets with better financial tools.

UBIO is a technology company that specializes in transforming websites into interactive transactional application programming interfaces (APIs). Its managed automation service empowers clients to regain control over their customers' journeys by enabling seamless connections between websites and APIs. The platform provides an open-source toolset that allows clients to automate, transact, and perform complex interactions on the web. UBIO's technology is utilized by major organizations, including Google and trivago, to collect availability and price data from over 50,000 hotels globally. Additionally, it supports companies like kiwi.com in selling airline tickets and TickX in offering theatre tickets. With teams based across Europe, UBIO is committed to fostering meaningful connections between web services and delivering significant business outcomes for its clients.

dopay offers a cloud-based payroll service designed to facilitate electronic salary payments for employers, particularly targeting unbanked and financially underserved populations. With approximately 2 billion individuals globally lacking bank accounts, many companies face challenges managing cash for their employees and customers. dopay addresses this issue by providing a payroll and cash management solution that includes a prepaid card and a mobile app, giving employees access to essential banking services. The company has partnered with Barclays to deliver payroll services to various multinationals, embassies, and local businesses in Egypt, with plans to expand into other regions with significant unbanked populations.

Float, Inc. is a Los Angeles-based financial services company that specializes in providing a mobile-first credit application aimed at helping young consumers access and build credit. The platform offers instant access to affordable lines of credit without requiring a FICO score, making it particularly beneficial for thin-file consumers. By utilizing a non-FICO based underwriting approach, Float can make personalized credit decisions within seconds, delivering micro-credit lines that can be used alongside existing debit cards. This innovative service allows emerging credit users to demonstrate their creditworthiness through personalized assessments, offering a fast and user-friendly alternative to traditional credit options.

N-Frnds universal digital inclusion solution is bringing ALL people in the emerging markets into the digital world. Our technology platform closes the digital divide with a lucrative business model. Today, over 4 billion individuals and small businesses are not connected to the internet. The advertising model supporting “free” applications does not work in emerging markets. Furthermore, companies in emerging markets cannot digitally reach their customers and suppliers. The result is billions of dollars of lost revenues and inefficiency costs. Attempts by others to solve this have failed, mainly because their solutions have focused on mobile data, direct to consumer and channel ownership - excluding most of the market and the existing distribution networks. N-Frnds unique cloud-based digital distribution platform • includes the whole market – can be reached from any device, even with no internet connectivity • utilizes our customer-partners’ existing consumer value chains • consolidates the value chains into our unified digital distribution platform (including all its participants) • creates new digital users incentivized by our customer-partners N-Frnds solution is: • Proven - Massive buy-in from market, from consumer and financial businesses, including companies such as: Microsoft (who selected us as a strategic partner), Coca cola, Nestle, Government of Rwanda, Sequis (insurance), BTPN (bank), MasterCard • Scalable - we have already digitized 15 million end-users and distribution networks of over 200k agents • Unique – ground-breaking technology protected by 21 patents • Global - Local country “franchise” model with a global technology platform N-Frnds is led by top entrepreneurs with deep expertise in emerging markets and together with our innovative and lucrative business model and our market proven solution, we are the market leader bringing universal digital and financial inclusion in emerging markets.

LiveApp is a mobile marketing platform that saves businesses and their customers time by providing an enriched experience that increases customer satisfaction. From $49/month, businesses can give their customers a mobile app for BlackBerry, Android, iPhone and iPad with their own icon and content to efficiently communicate with their customers.

Everledger is a global technology enterprise that focuses on addressing economic, environmental, and societal challenges through innovative solutions. The company specializes in creating ecosystems of trust, allowing stakeholders to collaborate using a reliable data protocol. By leveraging blockchain technology, Everledger tracks the provenance of high-value assets on a digital global ledger, enabling transparent management throughout the asset lifecycle. Their solutions incorporate advanced technologies such as smart contracts, machine vision, and the Internet of Things to enhance asset traceability. With a forensic approach to identifying and tracking asset origins, Everledger instills confidence in the transparency of global supply chains, fostering collaboration among diverse stakeholders. The company is dedicated to providing scalable solutions tailored to client needs while also pioneering breakthrough technologies to address emerging challenges.

LaunchKey is a multifactor authentication (MFA) and realtime authorization platform that leverages the mobile devices end-users already own for password-free login, 2-step verification, step-up and adaptive authentication, realtime transaction authorization, on-demand identity verification, multi-party approval, and more -- all through one unified solution that virtually any online or connected application can leverage. It is now a part of iovation, an online and mobile fraud prevention and advanced device-based authentication. Learn more about LaunchKey MFA: https://www.iovation.com/launchkey-mfa

Moneytree is a fintech data platform focused on enhancing financial connectivity for individuals and institutions, aiming to promote personal wealth growth. Established in 2013, the company launched its first product, a personal finance app for iOS, which received multiple accolades, including recognition as one of the App Store’s “Best of” apps in Japan shortly after its release. The app has since attracted over 1,300,000 users across iOS, Android, and web platforms. Moneytree's proprietary data aggregation platform, Moneytree LINK, serves nearly twenty enterprise clients, including Japan's largest accounting software vendors, and features integrations with notable financial institutions such as Mizuho Bank and SMBC. This platform enables users to connect their bank accounts and credit cards, providing real-time notifications about significant transactions, low balances, and upcoming bills, thereby facilitating better financial management.

Nowsta is an all-in-one software for hourly and event-based workforces, providing scheduling, time tracking, and fintech solutions. It helps employers become better managers by giving them the tools they need to seamlessly manage their hourly workforce. The company is building a platform that leverages advancements in machine learning and payments technology to reimagine the way companies communicate with, and pay their hourly wage employees. Nowsta was established in 2015 and is headquartered in Brooklyn, New York, United States. Nowsta

Rainbird Technologies Ltd. is a London-based company that specializes in automating decision-making processes using artificial intelligence. Founded in 2013, Rainbird offers a platform that enables organizations to create visual models of expert thought processes, allowing for the automation of complex decisions at significantly faster speeds and with enhanced accuracy. The platform facilitates the capture of expertise without the need for coding through knowledge maps, which are adaptable and can represent non-linear thought processes. Users can pose nuanced questions to Rainbird, receiving answers that account for varying levels of certainty, even in situations with incomplete data. Additionally, Rainbird provides explanations for its responses, detailing the reasoning behind decisions, which supports compliance with regulations and fosters trust among clients. The company also offers a community-led edition for social enterprises and open projects, further extending its impact in the realm of artificial intelligence.

Rippleshot, Inc. is a Chicago-based company that specializes in cloud-based predictive technology solutions designed to detect payment card data breaches. Founded in 2012, Rippleshot provides a range of services aimed at helping card issuers, processors, and merchants monitor suspicious activities and manage fraud risk effectively. Its offerings include Rippleshot Community, which assists credit unions and banks in identifying local and national breaches; Rippleshot National, a tool for fraud analysts to enhance card re-issuing strategies; Rippleshot Merchant, which allows store owners to track and assess data breaches through a user-friendly portal; and Rippleshot ISO, which helps acquirers monitor merchant data breach threats daily. The company’s technology leverages big data analytics and machine learning to reduce fraud losses significantly, ensuring timely detection of breaches and protection of consumer payment experiences.

Control helps businesses understand and manage their online payments. Integrated with Stripe, PayPal, and other payment processors, Control delivers real-time payment analytics, payments management, and fraud tools to any device. They've helped over 10,000 businesses process over $20M in transactions on their mobile devices and deliver 1M+ time-sensitive alerts each month.

Big Data Scoring (BDS) is a global leader in providing credit scoring solutions that leverage extensive big data analytics. The company excels in gathering between 5,000 to 15,000 additional data points for each consumer from a range of alternative data sources, which are often overlooked by traditional lenders. By integrating this alternative data with conventional sources, BDS creates highly accurate credit scorecards, thereby enabling lenders to serve thin file segments and improve credit approval rates while maintaining credit quality. The company has delivered over 0.7 billion scores, primarily benefiting unbanked individuals and small to medium-sized enterprises (SMEs) by facilitating access to initial loans. BDS employs advanced artificial intelligence to enrich predictive models across various industries, including banking and telecommunications, with a notable success rate in enhancing credit assessments globally. Their innovative tools and technology enable the extraction of descriptive and behavioral data from individuals worldwide, contributing to financial inclusion and the alleviation of poverty.

Rubbles is a leading Russian IT company specializing in developing solutions for optimizing key business processes of large businesses based on processing large data sets.

ClubApp is a live scoring platform for sports clubs of all sizes. It was founded in 2012.

Billhop is a payment institution based in Stockholm, Sweden, founded in 2011. The company offers a financial payment platform that simplifies the management and payment of bills and invoices. Its services enable businesses and consumers to pay their bills using credit or debit cards, providing a regulated payment tool that emphasizes safety and security. Billhop distinguishes itself by not charging fixed fees, allowing users to utilize their existing payment cards for transactions. Additionally, the platform supports a range of privacy features and digital card options, catering to the diverse needs of its users.

Sling is a developer of an online payment platform designed to empower micro-merchants, such as flea market vendors and sole traders, by enabling them to accept electronic payments through smartphones. Catering to over 200 million underserved micro-businesses globally, Sling addresses the challenges faced by unbanked and uncredited individuals in the financial ecosystem. The platform facilitates instant onboarding, allowing merchants to start accepting payments quickly and without the need for hardware. Sling provides unique payment-enabled tangibles, known as 'Slings,' which include payment bracelets, labels, and tags. These elements function as both point-of-sale solutions and access keys to various innovative financial technology features, referred to as Pebbles, thereby democratizing access to advanced payment methods, analytics, and loyalty channels that were previously unavailable to these businesses.

SBDA Group Ltd. specializes in providing artificial intelligence solutions tailored for retail banks, focusing on enhancing customer engagement and cross-selling through digital channels. The company enables marketers and CRM managers to effectively trigger real-life events that lead to improved promotional campaigns for banks. Its campaign management platform personalizes product offerings and promotions to better connect with customers. Founded in 2014 and headquartered in Dublin, Ireland, SBDA Group also offers IT services that help large enterprises transform their data into actionable insights. By leveraging big data analytics and AI, the company optimizes business processes across various sectors, including banking, retail, and industrial enterprises, ultimately aiming to increase productivity and revenue for its clients both in Europe and globally.

Apruve, Inc. operates a payment platform designed for business-to-business eCommerce, enabling merchants to facilitate transactions through a purchase order process. Founded in 2012 and based in Minneapolis, Minnesota, Apruve allows suppliers to extend payment terms to business buyers while managing accounts receivable on their behalf. The platform automates credit programs and payments, providing a revolving line of credit for business customers without exposing suppliers to cash flow risk. This service integrates seamlessly with existing ERP or eCommerce systems, supporting both online and offline orders. By streamlining the payment process, Apruve helps various industries, including manufacturing and electronics, enhance their cash flow management and reduce back-office costs.

Splitwise, Inc. is a company that offers an expense-sharing platform designed to help users manage and organize shared expenses, including rent, bills, travel costs, and various transactions. Founded in 2011 and based in Providence, Rhode Island, Splitwise provides both a mobile application and a web-based tool that allows users—such as roommates, couples, friends, and families—to easily track who owes what. The platform consolidates all shared expenses and outstanding debts in one place, ensuring transparency among users. Additionally, it sends monthly reminders about dues and offers fairness calculators, which utilize crowdsourced data to provide neutral advice on expense-sharing situations.

AppZen is an artificial intelligence platform for modern finance teams, helping them to reduce spend, comply with policy, and streamline process. It automates manual process, uncovers problems, and optimizes decision making for enterprises around the globe, including one-fourth of the Fortune 500. The platform combines patented deep learning, computer vision, and semantic analysis with intelligence from thousands of online data sources to understand financial transactions in business context and make decisions before those transactions happen. AppZen was founded in 2012.

Footmarks, Inc. is a technology company based in Bellevue, Washington, that specializes in providing beacon technology to enhance customer interactions in physical spaces. Founded in 2012, the company offers its SmartConnect platform, a comprehensive solution that delivers real-time data and insights to businesses and developers, enabling them to create personalized customer experiences. The platform integrates iBeacon technology, allowing for mobile marketing strategies that connect consumers with various locations and brands. Footmarks also provides software development kits and cloud-based services that facilitate actionable data analysis, helping businesses improve execution rates, increase sales, and reduce operational waste. By leveraging proximity services, Footmarks aims to transform retail environments through digital intelligence and contextual awareness.

CardFlight, Inc. specializes in mobile point of sale (POS) technology solutions that enable small businesses to accept swiped payments through various mobile applications. Its flagship product, SwipeSimple, is used by over 50,000 small businesses across the United States and is recommended by several leading merchant acquirers for its ease of use. The company provides a comprehensive suite of tools, including a mobile card reader that connects via the headphone jack of mobile devices, and a software development kit (SDK) for iOS and Android, which allows developers to integrate payment processing into their applications. CardFlight’s solutions cater to various industries, including retail, food and beverage, and professional services, supporting electronic transaction processing for in-person, online, and on-the-go payments. Established in 2011 and based in New York, CardFlight is recognized for its technological innovation and commitment to simplifying payment acceptance for business owners.

Slide has created a mobile wallet for gift cards that lets you check your balance on all your cards and discover nearby locations where you can use your cards.

SpendLabs is an AI-enabled accounts payable auditing and recovery platform that serves a diverse range of industries worldwide. The company focuses on providing tools that offer commercial card customers real-time control over their accounts. By leveraging advanced AI technology, SpendLabs enables businesses to manage employee spending through corporate cards effectively. Its platform enhances visibility and control over corporate expenditures, facilitates expense management, and provides analytics to identify potential fraud. This comprehensive approach allows both card issuers and business customers to optimize their financial management processes.

Dash is a mobile payment platform that allows patrons to view, split, and pay their tab from their smartphone. It integrates directly with the leading hospitality point-of-sale systems, which means it's extremely easy for restaurants to accept Dash as payment. Users benefit from bill splitting, itemized digital transactions, increased security, and ease of closing out a tab at a busy bar. Dash is lives in 30+ markets and processes thousands of transactions weekly. Dash was founded in 2011 by Jeff McGregor and Gennady Spirin, with backers including Great Oaks VC, Caerus Ventures, New York Angels, and Jonathan Segal.

Pay By Group offers a white-label checkout solution designed to integrate group-payment and installment capabilities into online retail platforms. This service enables merchants across various sectors, including travel, e-commerce, and healthcare, to facilitate secure online transactions while connecting with customers' banking services. By implementing this innovative payment solution, businesses can enhance their sales and increase conversion rates by over 27%, addressing the demands of a lucrative market segment.

PennyOwl Technologies, Inc. develops a mobile application focused on allowance management that enables parents to efficiently manage and track their children's finances. The app allows parents to set weekly allowances, grant one-time bonuses, approve cash requests, and monitor transaction histories. It provides children with a platform to manage money, encouraging them to develop financial skills and instilling good financial habits from an early age. The application includes a child-friendly marketplace where kids can shop for curated toys, games, and books, thereby fostering responsible spending and saving behaviors. Established in 2012 and headquartered in New York, PennyOwl is recognized for its commitment to child safety, being COPPA compliant and certified as "kidSAFE" and PCI-DSS Level 1.

Standard Treasury, a YC-backed company, is hoping to make it easier for businesses to deal with their banks through standard APIs that ease transfers and other transactions. The company says that integrating banking services for small businesses and startups is overly complicated. They can end up sending large files over FTP with specs that take up hundreds of pages.

Launched July 2014, LocalMaven is a platform that allows businesses, influencers and customers to connect with each other and benefit from word-of-mouth referrals. In January of 2015 LocalMaven launched RealtyMaven.com, its first market specific website, to focus on the Real estate agent-to-business referral marketplace. Over 5,500,000 homes were sold in the United States in 2014, renovations in the United States exceed $500B annually, and there are over 1,000,000 Realtors that are members of the National Association of Realtors. RealtyMaven is tapping into this vast marketplace for Realtor referrals. Using the RealtyMaven app and website, real estate agents refer their clients to trusted local businesses that can provide the services and products needed for their new or existing home purchase. From contractors to landscapers and from lighting providers to carpet cleaners, RealtorMaven provides a simple platform for Realtors to give referrals to their clients. In turn, businesses provide insider deals for clients and a commission for each successful referral. Every time a successful referral takes place, the customer gets an exclusive deal, the Realtor earns a commission, and the business grows. It’s a win-win-win. **The original LocalMaven.com site remains operational and facilitates more generalized referrals between Mavens (or people in the know) and businesses.

Xpreso Software Limited is an urban logistics platform based in Dublin, Ireland, founded in 2013. The company aims to improve the delivery experience for online shoppers by addressing the issue of failed deliveries, often marked by the “Sorry We Missed You” card. Xpreso offers a software-as-a-service (SaaS) solution that enhances the first-time delivery success rate for e-retailers and delivery companies. Its platform provides customers with real-time tracking, accurate arrival times, and flexible delivery options, including the ability to reroute packages to neighbors, parcel shops, or lockers. Additionally, customers can select alternative delivery times, opt for pay-on-delivery, and utilize one-touch returns. Xpreso has been recognized for its innovations, winning the NDRC Launchpad 8 programme in December 2013 and being selected for MasterCard's Start Path accelerator programme in July 2014. The company's founders include experts in the courier industry and award-winning engineers.

Storee is a technology platform that enables brick-and-mortar retailers to sell both in-store and online, combined with inventory management, customer loyalty and business analytics tools.

ZenCard Sp. z o.o. operates a real-time loyalty redemption platform that allows retailers to enhance customer engagement through personalized loyalty programs. Founded in 2013 and based in Warsaw, Poland, the company enables retailers to transform existing payment cards into universal loyalty and rewards cards. By installing a small software component on their payment terminals, retailers gain access to a web panel where they can create and manage targeted marketing campaigns based on consumer purchasing behavior. ZenCard's platform automatically analyzes customer interactions, facilitating the creation of customized loyalty programs, discounts, and promotional offers. As of January 2017, ZenCard operates as a subsidiary of Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna.

Ridango is an IT-solutions provider specializing in public transport systems, particularly in Automated Fare Collection (AFC) and Real-Time Passenger Information (RTPI). The company manages ticketing projects comprehensively, offering both hardware and software solutions, including installation, training, and ongoing operations. With over a decade of experience, Ridango has expanded its offerings to include mobile applications, contactless payments, and fleet management, all designed with a focus on customer needs. The company's solutions aim to provide interoperability and ease of ticket purchasing, addressing the demands of modern travelers for up-to-date information. Ridango's mission is to create smart, simple, and efficient solutions that enhance the travel experience for passengers while allowing transit operators to concentrate on their core services. The modular nature of Ridango's offerings enables deployment across various agencies and operators, accommodating an unlimited number of users.

Inside Secure, formerly known as INSIDE Contactless S.A., is a French company specializing in open-standard contactless payment and near field communication (NFC) technologies. Founded in 1995 and headquartered in Aix en Provence, it develops a range of semiconductors and software solutions tailored for applications in payment, transit, identity, and access control. Its product offerings include contactless reader interface chips, NFC interface circuits, contactless payment platforms, and memory chips, as well as USB desktop readers and couplers. The company also provides professional services such as application development, pre-personalization, and system integration. Inside Secure serves a diverse clientele, including payment card and mobile phone manufacturers, systems integrators, and financial institutions, and has established a global presence with offices in various countries, including China, Singapore, Poland, South Korea, and the United States.