The Fintech Fund

Stable Sea operates a global platform that facilitates the conversion of stablecoins to traditional currencies, ensuring compliance and cost-effectiveness. This service bridges the gap between digital and traditional finance, enabling businesses to access competitive foreign exchange rates and expand their operations.

WiseLayer makes AI-powered digital workers for finance and accounting teams. It's AI digital workforce includes: - Angela, the AI agent for Accruals & Rev Rec (hire her at www.accruals.ai) - Dennis, the AI agent for Discrepancies & Financial Anomalies (hire him at www.discrepancies.ai) - … with the 4 newest AI agents eachspecializing in the following tasks: (1) bank reconciliations, (2) fixed asset depreciation & amortization, (3) lease accounting, and (4) prepaid expenses.

WiseLayer is a company that creates AI-powered digital workers specifically designed for finance and accounting teams. The company offers a suite of specialized AI agents, including Angela, who focuses on accruals and revenue recognition, and Dennis, who addresses discrepancies and financial anomalies. In total, WiseLayer provides six AI agents that assist with various financial tasks such as bank reconciliations, fixed asset depreciation and amortization, lease accounting, and prepaid expenses. Additionally, WiseLayer develops an early warning system that employs artificial intelligence and analytics to help companies identify and address potential financial issues. This system includes pre-built tools that notify clients of known and emerging problems, enabling them to resolve issues swiftly through automation and reduce operational stress.

Outgo Network Inc. is a Seattle-based company that offers an all-in-one vertical banking solution specifically designed for freight carriers. Founded in 2022 by former executives from leading transportation firms, including Uber and Convoy, Outgo provides a suite of products that automate essential financial processes such as broker setups, invoicing, factoring, collections, accounting, and tax services. By eliminating the need for contracts and minimums, Outgo empowers carriers to gain greater control over their finances, addressing a long-standing challenge in the industry.

Rainforest is a company based in Atlanta, United States, that specializes in providing software platforms for payment processing. It has developed a comprehensive payment processing platform designed to facilitate transactions across various systems. The platform includes features such as robust payment flows, embeddable components, reporting tools, chargeback management, and merchant onboarding. By integrating these capabilities, Rainforest enables businesses to offer a seamless transaction experience to their customers.

Radar is the enterprise treasury management solution for Latam. Radar ensures that businesses have full visibility of their cash flows with tools to automate payment reconciliation, disbursement, and collections, enabling them to make savvy decisions on acquiring and investing corporate capital.

Rainforest is a company based in Atlanta, United States, that specializes in providing software platforms for payment processing. It has developed a comprehensive payment processing platform designed to facilitate transactions across various systems. The platform includes features such as robust payment flows, embeddable components, reporting tools, chargeback management, and merchant onboarding. By integrating these capabilities, Rainforest enables businesses to offer a seamless transaction experience to their customers.

Zenpli is a developer of an orchestration platform that specializes in identity decisions. The company offers a no-code platform designed to facilitate accurate identity processes, including onboarding, Know Your Customer (KYC) compliance, and fraud management. Zenpli's solutions enable businesses to effectively manage identity-related tasks with ease, ensuring compliance and reducing the risk of identity fraud. Its advanced models support clients in making precise end-to-end identity decisions, allowing for seamless business growth while maintaining security and regulatory standards.

Ansa is a technology company that specializes in developing a closed-loop payment platform aimed at enhancing customer loyalty for businesses. Its innovative technology enables marketers to create customer balances, load funds, and gain valuable insights into consumer spending habits. By financing customer accounts, Ansa's platform helps businesses reduce payment costs, increase transaction values, and foster repeat transactions. This approach supports brands in retaining and rewarding loyal customers, ultimately driving growth and profitability.

Navro is a fintech company that specializes in providing payment and banking infrastructure for software businesses. It offers a platform that enables brands to scale their payment operations globally by integrating various financial services such as international payment acceptance, local fund collection, and real-time coverage. Navro's solution allows businesses to manage their payment stack efficiently, facilitating international growth.

TrueBiz is a developer of an information and documentation platform designed to enhance the onboarding process for financial services providers. The company's platform automates the processing of essential company documents, such as articles of incorporation, and integrates key business signals to facilitate efficient identification. By streamlining these processes, TrueBiz aims to reduce verification delays, ultimately helping financial institutions onboard their business customers more swiftly and decrease churn associated with these delays.

GuruHotel is a developer of an e-commerce platform tailored for the hotel industry, enabling hotels to create and manage their own official websites in under ten minutes. This software solution bridges the gap between technology and hotel management, allowing operators to connect their inventory and sell rooms directly to customers. By offering multiple payment options and integration with distribution applications, GuruHotel empowers hotels to efficiently manage reservations and enhance occupancy levels. The platform facilitates a seamless transition to online sales, enabling hotels to leverage e-commerce effectively and maximize their revenue potential.

It is to provide the Mortgage of the Future, a better mortgage loan through an exceptional service that fits your needs. They provide an alternative to the complicated and traditional procedures of the past, modernizing the experience of their users through an agile and avant-garde service with personal advice and fair rates.

Let'sBit is a company that provides a digital banking platform designed to enhance financial accessibility through a virtual wallet. The platform allows users to manage their finances by facilitating local and cross-border payments, as well as investment and savings opportunities. Let'sBit offers access to various cryptocurrencies, including bitcoin, ether, and DAI, making it easier for individuals to obtain and utilize these digital assets. By prioritizing simplicity and security, Let'sBit aims to offer a reliable banking alternative, catering to the financial needs of its users in the region.

Zenpli is a developer of an orchestration platform that specializes in identity decisions. The company offers a no-code platform designed to facilitate accurate identity processes, including onboarding, Know Your Customer (KYC) compliance, and fraud management. Zenpli's solutions enable businesses to effectively manage identity-related tasks with ease, ensuring compliance and reducing the risk of identity fraud. Its advanced models support clients in making precise end-to-end identity decisions, allowing for seamless business growth while maintaining security and regulatory standards.

Navro is a fintech company that specializes in providing payment and banking infrastructure for software businesses. It offers a platform that enables brands to scale their payment operations globally by integrating various financial services such as international payment acceptance, local fund collection, and real-time coverage. Navro's solution allows businesses to manage their payment stack efficiently, facilitating international growth.

Maplerad is a fast, safe and easy way to send and receive money with friends, family or others you trust. You can receive and send money directly into any Nigerian bank account in minutes using Bitcoin, US Dollars, and Naira.

Opareta is a company that develops digital infrastructure tailored for analog agent networks, focusing on enhancing business growth for agents, network managers, and their partners. Its platform includes a range of offerings such as performance management for agents and field teams, cash reconciliation, and compliance tools like know-your-agent and know-your-customer processes. Additionally, Opareta provides solutions for fraud detection, credit decisioning, and the digitization and tracking of field operations. The company aims to optimize finance operations by offering tools that deliver real-time visibility into key performance indicators, support data-driven decision-making, and facilitate predictive demand forecasting, all aimed at streamlining transactions, improving inventory management, and driving profitability.

Outgo Network Inc. is a Seattle-based company that offers an all-in-one vertical banking solution specifically designed for freight carriers. Founded in 2022 by former executives from leading transportation firms, including Uber and Convoy, Outgo provides a suite of products that automate essential financial processes such as broker setups, invoicing, factoring, collections, accounting, and tax services. By eliminating the need for contracts and minimums, Outgo empowers carriers to gain greater control over their finances, addressing a long-standing challenge in the industry.

Modern Life is a technology-driven insurance brokerage focused on enhancing the life insurance experience for clients and advisors. The company provides a comprehensive platform that leverages advanced technology and artificial intelligence to streamline operations within the insurance sector. By equipping advisors with tools for efficient client service, Modern Life aims to simplify the application process, improve business efficiency, and reduce costs. This innovative approach enables advisors to deliver advice more effectively, fostering a better overall experience for clients. With significant backing from prominent investors, including major insurance companies and notable founders from successful startups, Modern Life is positioned to transform the insurance brokerage landscape.

Venn is a banking platform that integrates multi-currency-based accounts to assist transfers. Venn makes it simple to manage business banking needs. It provides currency exchange rates in Canada, local checking accounts in multiple currencies, domestic and international bank transfers, and a corporate Mastercard to help clients manage their spending.

MYNE Homes is a prop-tech company that specializes in a managed co-ownership model for vacation properties. By allowing multiple owners to share the costs and responsibilities associated with holiday home ownership, MYNE Homes makes this experience more accessible and enjoyable. The company focuses on providing professionally designed and managed properties, ensuring a high-quality experience for co-owners. Additionally, it offers concierge services to facilitate a seamless holiday experience. MYNE Homes aims to simplify the process of purchasing and managing vacation homes in Europe and internationally, enabling individuals to find and acquire their ideal getaway at an affordable price.

Griffin is a banking-as-a-service provider that offers a digital banking platform designed to facilitate financial services for the fintech sector. Its solution serves as an operating system for embedded finance, enabling companies to easily build and launch financial products. By streamlining the integration of complex payment systems, Griffin reduces costs and time to market while simplifying the process of establishing banking partnerships. The platform includes integrated compliance services, supporting businesses with custodial accounts and interbank payments, while ensuring adherence to know-your-customer and anti-money laundering regulations. This comprehensive approach allows global brands with intricate payment needs to enhance their customer experience through seamless embedded finance solutions.

Aku is a financial technology company focused on enhancing financial inclusion through a comprehensive mobile platform. It aims to provide accessible and low-cost financial services, particularly targeting new business owners who require effective tools for managing their finances. The platform facilitates secure payments, savings, and credit services, enabling users to perform bulk disbursements and verify account details seamlessly. By digitizing payments and offering personal banking services, Aku empowers individuals and businesses in Africa to access essential financial resources and build wealth both locally and globally, all without the need for a dedicated application.

Arrow is a healthcare technology company that ensures precise payments between providers and payers. Formerly named Walnut, Arrow is dedicated to enhancing the speed, accuracy, and transparency of healthcare payments for everyone. The shift to Arrow signifies a renewed focus and an expanded vision for the future of healthcare.

The database for money.

Koshex is a personal finance and wealth management service established in 2020 and headquartered in Bengaluru, Karnataka. The company focuses on automating wealth creation for Indian millennials by offering data-driven insights into their daily finances, enabling them to save more effectively and make informed investment decisions. Its innovative platform facilitates automated investing in various assets, including mutual funds, digital gold, and sectors such as technology, clean energy, automobiles, and US equities. By providing users with tools to understand money movement in real-time and evaluate potential investment outcomes, Koshex empowers customers to explore diverse investment opportunities tailored to their financial goals.

Payable is a fintech company that specializes in streamlining payment operations through an intuitive platform designed for businesses. It offers a comprehensive dashboard and API that facilitate the reconciliation of payments and bank transfers, allowing users to manage their financial operations from a single interface. The platform enables businesses to automate payment processes, track transactions across various payment providers and banks, and maintain a clear view of their cash position. With flexible and scalable ledgers, Payable aims to alleviate the complexities of financial infrastructure, empowering companies to focus on product development instead. Its user-friendly, no-code dashboard allows for quick setup and seamless integration, making it accessible for businesses seeking to enhance their payment operations.

Reconcile is a provider of automated tax guidance tailored for retail investors. The company offers an innovative tax application that assists users in minimizing capital gains taxes while facilitating informed trading decisions. Its platform features a tax simulator, a learning digest, and seamless integration with various brokerage and trading applications, allowing investors to optimize their tax strategies. Through real-time tax insights, Reconcile empowers users to make more strategic trading choices, enhancing their overall investment experience.

Ponto provides regulated payment services for global enterprises to offer financial services to their customers. The company manages and eliminates the risks involved with offering financial services worldwide. This way, new products can deliver on the promise of improving and democratizing access to the economy for everyone.

Let'sBit is a company that provides a digital banking platform designed to enhance financial accessibility through a virtual wallet. The platform allows users to manage their finances by facilitating local and cross-border payments, as well as investment and savings opportunities. Let'sBit offers access to various cryptocurrencies, including bitcoin, ether, and DAI, making it easier for individuals to obtain and utilize these digital assets. By prioritizing simplicity and security, Let'sBit aims to offer a reliable banking alternative, catering to the financial needs of its users in the region.

Octo is a digital banking platform aimed at providing financial services to Egyptians who lack access to formal credit. The company develops a payment and credit platform that facilitates a range of financial transactions, allowing users to deposit and withdraw funds from multiple locations. Octo's platform enables users to manage their finances effectively by offering features such as spending through a card, transferring payments via a mobile application, and making purchases with credit at participating retailers. This flexibility allows users to split their payments between cash and credit, often at competitive rates. By focusing on underserved populations, Octo seeks to enhance financial inclusion in Egypt.

Coast is a developer of a card payment platform designed to make fleet and gasoline payments easier for truck drivers. The company's platform provides payment integration solutions to fleets, making fleet administration easier than traditional financial services.

Stitch operates a financial API platform that facilitates secure connections between bank accounts and various applications. By providing full API access to financial accounts, Stitch enables users to share their transaction history, confirm their identities, and initiate payments efficiently. The platform integrates directly with existing bank infrastructures, ensuring compliance and enhancing user experience through a lightweight single sign-on process. This approach allows clients to conduct fraud-free bank payments and access financial data with ease.

Syro is a San Francisco-based company established in 2020 that specializes in providing a global B2B invoicing solution. It utilizes asset-backed stablecoins to facilitate instant access to incoming funds, streamlining the invoicing process. Syro's platform allows businesses to generate and send digital invoices in a single motion, with recipients receiving an email that includes the option for immediate payment. By combining innovative financial technology with a user-friendly interface, Syro aims to simplify the invoicing experience for businesses worldwide.

Goldfinch is a credit platform that offers crypto loans without collateral. It also offers capital in a digital currency by expanding access to capital in emerging markets and offers a stable yield to the lenders, enabling the empowerment of financial inclusion in emerging markets. The company was founded in 2020 by Mike Sall and Blake West.

Ampla Technologies is a financial technology company that specializes in delivering tech-enabled financial solutions aimed at fostering business growth. Its comprehensive platform offers a range of services including growth capital solutions, modern banking services, and data analytics. By streamlining access to capital and providing essential financial tools, Ampla addresses the cash flow challenges faced by omnichannel businesses. The company's focus is on facilitating efficient growth through brand-friendly services that support operational needs and enhance financial management.

Pay Sail is a full-service payroll provider based in Accra, Ghana, specializing in payroll management solutions for local businesses and accountants across Africa. The company offers a comprehensive platform that simplifies the process of managing payroll and employee salaries. Its features include the organization of employee records, calculation of payroll taxes and social security contributions, and the generation of payslips. Additionally, Pay Sail facilitates employee payments through mobile money or bank transfers, allowing businesses to streamline their payroll operations and reduce the time and resources required for these tasks.

Simpl Technologies Private Limited, established in 2015 and headquartered in Mumbai, India, operates a leading online payments platform that enhances the e-commerce experience. The company has developed a market-leading Pay-Later platform, allowing merchants to offer consumers a seamless 1-click checkout experience and a line of credit at the point of sale. Simpl's innovative approach streamlines the payment process by using algorithms and payment engineering to consolidate transactions, enabling users to avoid repetitive payments. Additionally, the platform provides full buyer protection, ensuring secure monetary transactions between customers and merchants. Through its services, Simpl aims to simplify and automate the online payment experience for all parties involved.

Divibank is a financing platform that provides businesses with access to growth capital through innovative financial services. It develops software that facilitates customer access to products and services from accredited financial institutions. Divibank's platform is designed to offer credit linked to a business's revenue, allowing for flexible repayment without straining cash flow. By utilizing data from digital marketing campaigns, the platform aims to enhance sales performance while helping entrepreneurs attract new users. This approach enables businesses to leverage their revenue potential and optimize their marketing efforts effectively.

Fraudio is a company specializing in fraud prevention software that helps businesses across the payments ecosystem combat payment fraud and financial crime. Founded in 2019 and headquartered in Amsterdam, Netherlands, with a research and development office in Lisbon, Portugal, Fraudio leverages artificial intelligence to detect fraudulent merchants and money laundering. Its technology connects merchants, payment service providers, acquirers, and card issuers to a centralized core that has been trained on billions of transactions. This approach allows users to execute safe transactions while remaining vigilant against fraud, and the company emphasizes its ease of integration and ability to deliver value from the outset.

Safepay operates a secure payments platform designed to facilitate digital transactions in Pakistan. The company offers a single integrated payment solution that works with both local and international payment options. By assisting stores in increasing checkout conversion rates, Safepay helps streamline sales and improve account receivables. Its platform enables customers to pay online efficiently, enhancing the overall payment process for clients and promoting a smoother transaction experience.

Histogenics Corporation, founded in 2000 and headquartered in Waltham, Massachusetts, is a regenerative medicine company specializing in the development and commercialization of therapeutic medical products for musculoskeletal conditions. The company's innovative platform integrates cell processing, scaffolding, tissue engineering, bioadhesives, and growth factors to address cartilage damage and improve joint function. Its primary investigational product, NeoCart, is a tissue implant designed to treat cartilage injuries in the knee, aiming to regenerate healthy cartilage and enhance overall joint performance. In 2019, Histogenics was acquired by Ocugen, Inc., marking a significant transition in its corporate structure.