Accel

Juspay Technologies Pvt Ltd. is a Bengaluru-based company, founded in 2012, that specializes in mobile payment solutions. It offers a suite of products, including JUSPAY SAFE, a mobile payments browser, and EXPRESS CHECKOUT, which enhances payment gateway performance. The company's online platform serves as a software-as-a-service layer over existing payment gateways, streamlining integration and improving the management of various payment options. This enables users to conduct electronic transactions securely and efficiently, catering to the evolving needs of mobile-based payments.

Zolve is a neo-banking platform based in Bangalore, India, launched in 2020. It offers a range of financial services including deposit accounts, prepaid cards, money transfers, bill payments, and cross-border transactions. The platform also provides tools for monitoring transactions and managing expenses and budgets. Zolve aims to create a borderless financial world, providing equitable access to global financial products on a single platform. This enables individuals to save money, invest it further, and pursue their ambitions with greater financial freedom.

Beam is a financial software company that streamlines the invoicing and bill payment processes for contractors in the construction industry. By providing advanced tools that automatically sync with accounting software, Beam offers real-time visibility into financials, eliminating the need for custom reports and spreadsheets. The company aims to enhance the efficiency of housing and infrastructure development by enabling contractors to manage their financial transactions quickly and accurately, thereby reducing the reliance on traditional paperwork and manual data entry.

Swan is a Paris-based fintech company founded in 2019 that specializes in embedded finance through its Banking-as-a-Service platform. It enables businesses to create and manage bank accounts, issue cards, and generate IBANs seamlessly using straightforward APIs. Serving more than 60 clients across ten European countries, Swan handles over 200 million euros in transactions monthly. The company is staffed by over 100 employees, led by experts in the fintech sector. As a licensed financial institution regulated by the ACPR, Swan operates as a principal member of Mastercard, positioning itself as a key player in the European financial technology landscape.

RapidCanvas is a technology company that specializes in an AI platform. This platform combines the accuracy and automation of AI agents with the expertise of human professionals to deliver consistent and quantifiable business results. Recognized as a top 5 Data Science and Machine Learning platform by G2 for customer satisfaction, RapidCanvas serves industry leaders in sectors such as manufacturing, retail, and financial services. Its no-code auto AI platform enables data practitioners to swiftly transition from raw data to machine learning applications, helping businesses across various industries and use cases achieve better AI-driven outcomes.

Omnea is a FinTech company that offers an automated platform designed to streamline the entire B2B purchasing process. The platform facilitates vendor setup and order creation, allowing businesses to enhance operational efficiency. By providing a centralized space for managing procurement, Omnea enables employees to submit purchase requests easily while automating the approval workflows. This orchestration layer ensures that the purchasing process is regulated and manageable, ultimately simplifying access to essential goods and services for both individuals and businesses. As a prominent player in the African financial technology landscape, Omnea plays a critical role in improving payment services and risk management in online B2B transactions.

Zepz is an online money transfer service that enables individuals to send money to friends and family living abroad through computers, smartphones, or tablets. It provides a convenient and cost-effective alternative to traditional money transfer companies, which often charge high fees. Zepz allows users to send funds to over 140 destinations worldwide, including Europe, Asia, Africa, Australia, and the Americas. Recipients can receive money as bank deposits, cash pickups, Mobile Money, or mobile airtime top-ups. The platform is designed to facilitate secure international transfers, utilizing technology that allows customers to manage their funds efficiently, with lower processing fees compared to conventional methods. Zepz operates in 50 countries, aiming to simplify the process of remittance for its users.

e6data is a company that specializes in developing a high-performance analytics engine designed for enterprise-level data analytics. Its innovative lakehouse compute engine enhances the performance of existing data lakehouse engines and data warehouses, delivering a fivefold increase in query performance while reducing the total cost of ownership by 50%. e6data's platform seamlessly integrates with popular data lakehouse formats, data catalogs, and governance frameworks, facilitating effortless adoption by various organizations. The solution operates within a cloud virtual private cloud, eliminating the need for data movement or complex extract-transform-load processes. This is particularly beneficial for sectors such as fintech, e-commerce, gaming, and marketplaces, as it allows clients to achieve faster queries and maintain security and privacy without requiring extensive DevOps or engineering resources.

RapidCanvas is a technology company that specializes in an AI platform. This platform combines the accuracy and automation of AI agents with the expertise of human professionals to deliver consistent and quantifiable business results. Recognized as a top 5 Data Science and Machine Learning platform by G2 for customer satisfaction, RapidCanvas serves industry leaders in sectors such as manufacturing, retail, and financial services. Its no-code auto AI platform enables data practitioners to swiftly transition from raw data to machine learning applications, helping businesses across various industries and use cases achieve better AI-driven outcomes.

Monzo is a digital bank that operates primarily through its mobile application, offering a range of banking services including current, savings, and business accounts, as well as overdrafts and loans. It provides real-time spending updates, categorized transactions, budgeting tools, and instant transaction notifications. Monzo's unique features include 'Pots', sub-accounts for saving towards specific goals, and Monzo Plus, a premium subscription service offering additional benefits. The company, founded in 2015 and based in London, aims to serve customers who prefer managing their finances digitally, without the need for physical branches.

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.

Swan is a Paris-based fintech company founded in 2019 that specializes in embedded finance through its Banking-as-a-Service platform. It enables businesses to create and manage bank accounts, issue cards, and generate IBANs seamlessly using straightforward APIs. Serving more than 60 clients across ten European countries, Swan handles over 200 million euros in transactions monthly. The company is staffed by over 100 employees, led by experts in the fintech sector. As a licensed financial institution regulated by the ACPR, Swan operates as a principal member of Mastercard, positioning itself as a key player in the European financial technology landscape.

Aaritya Technologies operates a trading platform designed to provide tailored trading experiences. Its platform facilitates personalized trading opportunities, allowing traders to apply their skills professionally and earn income, thereby helping them achieve their financial objectives.

Credgenics is a debt recovery platform that focuses on resolving non-performing assets (NPAs) for financial institutions, including banks, non-banking financial companies (NBFCs), and digital lending firms. By leveraging technology and automation intelligence, the company enhances the efficiency of loan recovery processes. Credgenics employs tailored strategies and optimal legal routes to improve recovery rates while minimizing costs. Its solutions aim to facilitate the resolution of stressed assets, ultimately supporting financial institutions in managing their loan portfolios more effectively.

Effectiv is an innovative fraud management platform tailored for financial institutions, specializing in fraud prevention solutions. The company has developed a platform that conducts initial assessments of transactions to identify potential fraudulent behavior. By leveraging artificial intelligence, Effectiv automates the fraud detection process during the onboarding of new users, ensuring the authenticity of credentials through comprehensive data analysis. This approach enables financial companies to effectively detect and manage fraud, reducing costs associated with fraudulent activities.

Insify is a digital insurance company based in Amsterdam, Netherlands, founded in 2020 by Koen Thijssen. It specializes in providing insurance products and services tailored for freelancers and small businesses. By leveraging artificial intelligence-based data technology, Insify simplifies and accelerates the insurance process, addressing the common constraints found in traditional insurance practices. The company's focus is on delivering innovative insurance solutions that meet the specific needs of its clients, thereby facilitating easier access to essential coverage for small enterprises.

Fundly.ai is a fintech platform embedded in the healthcare vertical to provide innovative financing and allied solutions to the pharma distribution tail, specialty players, and brands.

Tema Global builds an ETF platform focused on ETF infrastructure and differentiated ETF strategies managed by experienced investment professionals.

Beam is a financial software company that streamlines the invoicing and bill payment processes for contractors in the construction industry. By providing advanced tools that automatically sync with accounting software, Beam offers real-time visibility into financials, eliminating the need for custom reports and spreadsheets. The company aims to enhance the efficiency of housing and infrastructure development by enabling contractors to manage their financial transactions quickly and accurately, thereby reducing the reliance on traditional paperwork and manual data entry.

Anyfin AB is a financial technology company based in Stockholm, Sweden, founded in 2017. It offers a loan refinancing platform that helps users improve the terms and rates of their existing loans. The company utilizes artificial intelligence and mobile technology, allowing users to refinance by simply taking a photo of their loan statements. By leveraging consumer data and payment history, Anyfin aims to help clients, particularly those with good credit ratings, reduce their interest costs without extending their repayment periods. The company focuses on providing fair and transparent financial services, initially addressing high interest and fees associated with loans and credit cards. Since its inception, Anyfin has expanded its offerings to include tools for tracking subscriptions and budgeting, enhancing users' overall financial management and encouraging better financial futures.

Shivalik Small Finance Bank is a technology-driven financial institution that aims to serve small and underserved customer segments by offering digitally focused and affordable banking products. Utilizing a cloud-based architecture powered by Infosys Finacle Core Banking and Digital Banking Suite, the bank delivers services with agility and efficiency. It is integrated with all retail payment platforms, including UPI, IMPS, NEFT, and RTGS, and is a direct member of the National Financial Switch. As of March 31, 2021, Shivalik Small Finance Bank had a deposit base of Rs 1245 Crores and total advances of Rs 805 Crores, serving over 4.5 lakh unique customers, including 15,000 self-help groups. The bank operates through 31 branches and over 250 banking agents across Uttar Pradesh, Madhya Pradesh, Delhi, and Uttarakhand. Additionally, it acts as a corporate agent for various insurance products from reputable companies such as New India Assurance and Bajaj Allianz.

Copper is a technology company specializing in secure digital asset custody and portfolio management for institutional investors. Established in 2001, it offers a robust infrastructure that includes a secure wallet architecture, available as a standalone application, mobile app, and browser extension for smart contract signing. Copper's ClearLoop network enables off-exchange trading and settlement at tier-1 digital asset exchanges, further enhancing the security and efficiency of asset management. The company is headquartered in Lenexa, Kansas, and operates as a broker-dealer and registered investment advisor, with its assets managed by the executive team.

Xalts is a technology platform designed to enhance the efficiency of treasury and finance teams by automating various financial operations. The platform utilizes AI agents that execute time-consuming tasks such as data management, reconciliation, banking queries, and complex trade finance processes, thereby enabling finance teams to manage revenue, liquidity, and trade finance operations more effectively. Xalts also offers a connectivity network with banks, payment providers, and logistics partners to streamline end-to-end treasury processes. Users can access its solutions through the Contour Network Hub or integrate them with third-party ERP and TMS systems. Trusted by leading Fortune 500 companies, Xalts is supported by notable investors including Accel, Citi Ventures, Bangkok Bank, and CTBC Capital.

Tweed offers a white-label wallet solution designed to simplify the integration of web3 experiences for platforms and brands. The company's plug-and-play infrastructure includes self-custodial key management, comprehensive wallet features, and a robust payment system, allowing clients to onboard users with minimal friction. By prioritizing user experience while maintaining security and ownership, Tweed enables businesses to enhance engagement and sales. The architecture of Tweed’s solution is built to comply with regulatory standards, undergoing regular legal audits to relieve clients of the associated burdens. Currently operating in stealth mode, Tweed is focused on providing a seamless and immersive web3 experience for its partners.

Augment is a developer of a platform designed for confidential transactions and communications, specifically tailored for the private technology share market. The platform facilitates connections between buyers and sellers by providing an order book within a company's marketplace. Users can identify potential transaction partners, engage in secure communication, and finalize deals, streamlining the process for brokers, investors, and shareholders. This innovative approach allows participants in private market trades to efficiently manage their transactions while maintaining anonymity and confidentiality.

Jify is a fintech company dedicated to enhancing employee financial wellness by offering access to earned salaries and a suite of money management tools. The platform is designed to promote financial resilience among workers by allowing them to access their earnings in real-time. Jify's services include features for budgeting, tracking expenses, and providing financial education and coaching. By enabling employees to instantly manage their pay, Jify aims to foster long-term financial health and stability within the workforce.

Dezerv leverages its expertise and cutting-edge technology to give professionals access to the best quality investing. Dezerv offers an integrated portfolio approach to investment, providing higher returns with lower risk. Dezerv aims to give successful professionals access to investing expertise. The invite-only wealthtech platform creates high-performing long-term portfolios and also provides exclusive investment opportunities for its members.

Ledger Investing Inc. operates an online marketplace that connects investors with insurance carriers, facilitating the purchase of securities linked to various classes of insurance risk. Founded in 2016 and based in Washington, D.C., the company enhances risk transparency and standardization in the creation of Insurance-Linked Securities (ILS). By leveraging advanced data infrastructure and analytics, Ledger Investing streamlines transactions and provides asset managers, pension funds, hedge funds, family offices, and other institutions with opportunities to earn returns through insurance investments. The platform combines financial engineering and software development, enabling investors to engage with a growing asset class that is uncorrelated to traditional investments like equities and fixed income, while also allowing insurers to access lower-cost capital through securitization.

Middesk, Inc., founded in 2018 and based in San Francisco, California, is an identity platform that specializes in automating business verification and enhancing decision-making processes for organizations. The company's platform offers comprehensive data on various businesses, allowing service providers to monitor changes in their customer base and gain a clearer understanding of client needs. By centralizing the credentialing process, Middesk enables companies to effectively manage risk and compliance with minimal friction, thus streamlining onboarding and increasing operational efficiency. Through its services, Middesk supports businesses in establishing, operating, and maintaining compliance with contractual and regulatory requirements.

Unit is a financial infrastructure platform that enables technology companies to integrate financial features into their products, including accounts, cards, payments, and lending. By streamlining the process of launching vertical banks, Unit manages compliance and banking relationships, allowing businesses to create unique banking experiences efficiently. This capability not only accelerates the development timeline for financial services but also enhances customer engagement and lifetime value by differentiating their offerings in a competitive market.

Chainalysis Inc. is a blockchain analysis company that specializes in anti-money laundering software tailored for cryptocurrency businesses. Founded in 2014 and headquartered in New York, with additional offices in Copenhagen, Tokyo, and Singapore, the company offers a suite of products designed to enhance compliance and security in the cryptocurrency space. Key offerings include REACTOR, an interactive investigation tool that identifies offenders and visualizes data; a transaction-based risk scoring API that assesses the source and destination of funds; and various activity monitoring reports and due diligence tools that help financial institutions understand and mitigate risks associated with cryptocurrency transactions. Chainalysis serves a wide range of clients, including government agencies, banks, exchanges, and other financial institutions, providing them with the necessary tools to navigate the complexities of blockchain technology and ensure compliance with regulatory standards.

Kevin. is a fintech company that specializes in providing an advanced account-to-account payment infrastructure designed to replace traditional card transactions. By leveraging open banking, Kevin. develops its own direct connections to banks, eliminating the need for third-party aggregators. This unique approach enables businesses to transition from costly card payments to more affordable and secure transactions directly from customers' bank accounts. The platform offers fully customizable solutions that can scale to meet the needs of any business. By improving the overall customer experience and enhancing conversion rates, Kevin. not only streamlines payment processes but also reduces costs associated with payment acquiring services for merchants.

Super Payments aims to transform the online shopping experience powering free payments for businesses, and rewarding shopping for members. Businesses on Super will only pay a commission if it results in an increase in sales, as opposed to charging merchants transaction fees.

Effectiv is an innovative fraud management platform tailored for financial institutions, specializing in fraud prevention solutions. The company has developed a platform that conducts initial assessments of transactions to identify potential fraudulent behavior. By leveraging artificial intelligence, Effectiv automates the fraud detection process during the onboarding of new users, ensuring the authenticity of credentials through comprehensive data analysis. This approach enables financial companies to effectively detect and manage fraud, reducing costs associated with fraudulent activities.

NiYO Solutions Inc. is a financial technology company established in 2015 and headquartered in Palo Alto, California. The company specializes in providing digital banking solutions that simplify financial processes for salaried employees. By partnering with employers and banks, NiYO enables employees to access a range of company benefits, including healthcare and food allowances, through an integrated digital platform. This platform includes a mobile application for submitting claims and offers the convenience of a credit card, streamlining the management of employee benefits and enhancing the overall banking experience.

Genesis Global Technology Limited specializes in developing custom software and solutions tailored for the capital markets. Founded in 2015 and headquartered in London, with an additional office in New York, the company provides a range of platforms designed to enhance trading and operational efficiency. Its offerings include an automated quoting system for managing requests for quotes, an order execution management system, and a trade allocation manager that facilitates various trading processes. Additionally, Genesis Global offers tools for data management and reconciliation, such as a short/long code manager and a matcher. The company is led by a team of industry veterans with substantial experience in trading technologies across multiple asset classes, aiming to deliver innovative solutions that align with the evolving needs of clients in the financial sector.

Insify is a digital insurance company based in Amsterdam, Netherlands, founded in 2020 by Koen Thijssen. It specializes in providing insurance products and services tailored for freelancers and small businesses. By leveraging artificial intelligence-based data technology, Insify simplifies and accelerates the insurance process, addressing the common constraints found in traditional insurance practices. The company's focus is on delivering innovative insurance solutions that meet the specific needs of its clients, thereby facilitating easier access to essential coverage for small enterprises.

Monzo is a digital bank that operates primarily through its mobile application, offering a range of banking services including current, savings, and business accounts, as well as overdrafts and loans. It provides real-time spending updates, categorized transactions, budgeting tools, and instant transaction notifications. Monzo's unique features include 'Pots', sub-accounts for saving towards specific goals, and Monzo Plus, a premium subscription service offering additional benefits. The company, founded in 2015 and based in London, aims to serve customers who prefer managing their finances digitally, without the need for physical branches.

FlyFin AI is a consumer-focused startup that specializes in automating financial management, particularly for freelancers and self-employed individuals. The company has developed a tax optimization platform that simplifies the tax filing process by utilizing artificial intelligence to identify potential tax deductions. FlyFin's technology seamlessly integrates with various expense accounts, significantly reducing the workload associated with tax preparation. By offering intuitive expense tracking, automated tax calculations, and personalized tax advice, FlyFin enables users to maximize their deductions and save valuable time in managing their finances.

Indifi Technologies Pvt. Ltd., established in 2015 and headquartered in Gurugram, India, operates an online platform that facilitates loans for small businesses. It connects borrowers with lenders, providing a range of services to support the lending process, including data aggregation, analysis, and loan monitoring. Indifi specializes in serving businesses in sectors such as e-commerce, travel, hospitality, retail, and trading. Its unique approach involves assessing creditworthiness based on industry-specific performance data, enabling it to identify low-risk, high-potential businesses that may lack access to traditional financing. The platform presents these applications to multiple lenders, increasing the chances of loan approval and providing lenders with choices.

Mensa Brands is a brand-building company that focuses on identifying and investing in established digital-first brands within the lifestyle, home, and beauty sectors. The company provides working capital and equity investments to direct-to-consumer startups, aiming to enhance their online presence and drive growth. By leveraging its expertise in areas such as product development, merchandising, technology, and supply chain management, Mensa Brands supports founders in achieving successful financial exits while transforming their businesses through effective partnerships.

Socure Inc. is a provider of digital identity verification solutions, focusing on real-time identity authentication through its Socure ID+ platform. This predictive analytics platform utilizes artificial intelligence and machine learning to authenticate identities by analyzing a multitude of online and offline data sources, including email, phone numbers, addresses, IP addresses, and social media profiles. Socure's offerings include Aida, an AI-driven bot for validating digital identities, Docv, an omnichannel document verification solution, and Sigma Synthetic Fraud, which tackles synthetic identity fraud. The company addresses the needs of various sectors, including software, consulting, and financial firms, through compliance initiatives such as customer identification programs, know your customer requirements, and anti-money laundering measures. Founded in 2012 and headquartered in New York, Socure has established partnerships with key industry players to enhance its service delivery.

Scribox operates an online investing platform focused on mutual funds in India. Founded in 2012 and headquartered in Bengaluru, the company enables investors to buy and sell various types of mutual funds, including equity, debt, and tax-saving options. Its platform is designed to provide users with financial advice and facilitate investment transactions, aiming to enhance users' returns on their investments. By offering a comprehensive digital wealth management solution, Scribox helps individuals navigate the complexities of mutual fund investments effectively.

Drip Capital Inc. is a financial technology company that specializes in providing credit solutions to small and medium enterprises (SMEs) engaged in cross-border trade, particularly in developing markets. Founded in 2014 and headquartered in Palo Alto, California, with an additional office in Mumbai, India, Drip Capital offers a range of trade finance products, including invoice factoring, export finance, and receivables factoring. The company utilizes an automated risk assessment model to facilitate quick and hassle-free access to financing, thus streamlining the borrowing process for its clients. Drip Capital's platform leverages multiple data sources for underwriting transactions, enabling SMEs to obtain collateral-free loans and lines of credit to support their working capital needs. The team comprises experienced professionals from prestigious institutions, and the company is supported by notable investors from Silicon Valley.

Zolve is a neo-banking platform based in Bangalore, India, launched in 2020. It offers a range of financial services including deposit accounts, prepaid cards, money transfers, bill payments, and cross-border transactions. The platform also provides tools for monitoring transactions and managing expenses and budgets. Zolve aims to create a borderless financial world, providing equitable access to global financial products on a single platform. This enables individuals to save money, invest it further, and pursue their ambitions with greater financial freedom.

Anyfin AB is a financial technology company based in Stockholm, Sweden, founded in 2017. It offers a loan refinancing platform that helps users improve the terms and rates of their existing loans. The company utilizes artificial intelligence and mobile technology, allowing users to refinance by simply taking a photo of their loan statements. By leveraging consumer data and payment history, Anyfin aims to help clients, particularly those with good credit ratings, reduce their interest costs without extending their repayment periods. The company focuses on providing fair and transparent financial services, initially addressing high interest and fees associated with loans and credit cards. Since its inception, Anyfin has expanded its offerings to include tools for tracking subscriptions and budgeting, enhancing users' overall financial management and encouraging better financial futures.

Finaloop is a technology company specializing in AI-driven e-commerce accounting services. The company offers automated, end-to-end bookkeeping and tax filing solutions designed to simplify financial management for online sellers. Its software consolidates financial data into a single dashboard, facilitating the organization of vendor bills and automating data entry tasks. By integrating seamlessly with invoicing platforms and online stores, Finaloop enables users to track unpaid customer invoices effectively. Additionally, it provides insights into payroll and employee expense reimbursement trends, allowing e-commerce brands and startups to save time and money while concentrating on business growth.

Higo is a developer of payment software aimed at enhancing the procure-to-pay process for B2B companies and their suppliers. The software centralizes invoice receipt, automates the approval workflow, and simplifies payment transactions, thereby streamlining supplier and logistics interactions. By focusing on small and medium-sized businesses, Higo enables these companies to optimize their cash flow and improve operational efficiency. The company's solutions are designed to address the complexities of multi-stakeholder commercial relationships, making financial processes more straightforward and effective.

Swan is a Paris-based fintech company founded in 2019 that specializes in embedded finance through its Banking-as-a-Service platform. It enables businesses to create and manage bank accounts, issue cards, and generate IBANs seamlessly using straightforward APIs. Serving more than 60 clients across ten European countries, Swan handles over 200 million euros in transactions monthly. The company is staffed by over 100 employees, led by experts in the fintech sector. As a licensed financial institution regulated by the ACPR, Swan operates as a principal member of Mastercard, positioning itself as a key player in the European financial technology landscape.

Xendit is a Southeast Asian fintech company that specializes in providing payment infrastructure primarily in Indonesia and the Philippines. Founded in 2014 by Moses Lo, Tessa Wijaya, Bo Chen, and Juan Gonzalez, Xendit offers a robust payment gateway platform that enables businesses to accept various forms of payments, including bank transfers, virtual accounts, and credit cards. The company simplifies payment processes through a suite of world-class APIs and an intuitive dashboard, allowing businesses to efficiently manage transactions, disburse payroll, and access loan services while also detecting fraud. By streamlining these financial operations, Xendit supports the growth of businesses in the region.

Winden is a financial technology company focused on providing banking products tailored for entrepreneurs and businesses, particularly in the digital economy. It offers a range of services including deposit banking, spend management, and transaction management, specifically designed for single-person e-commerce ventures, digital freelancers, and agencies. Winden's platform enables users to control, send, and receive funds seamlessly, eliminating account opening fees and credit score checks. Through its services, Winden simplifies financial management by allowing users to handle transactions, payments, and expenses within a single platform, thereby supporting the needs of modern digital entrepreneurs.

Zepz is an online money transfer service that enables individuals to send money to friends and family living abroad through computers, smartphones, or tablets. It provides a convenient and cost-effective alternative to traditional money transfer companies, which often charge high fees. Zepz allows users to send funds to over 140 destinations worldwide, including Europe, Asia, Africa, Australia, and the Americas. Recipients can receive money as bank deposits, cash pickups, Mobile Money, or mobile airtime top-ups. The platform is designed to facilitate secure international transfers, utilizing technology that allows customers to manage their funds efficiently, with lower processing fees compared to conventional methods. Zepz operates in 50 countries, aiming to simplify the process of remittance for its users.

Mensa Brands is a brand-building company that focuses on identifying and investing in established digital-first brands within the lifestyle, home, and beauty sectors. The company provides working capital and equity investments to direct-to-consumer startups, aiming to enhance their online presence and drive growth. By leveraging its expertise in areas such as product development, merchandising, technology, and supply chain management, Mensa Brands supports founders in achieving successful financial exits while transforming their businesses through effective partnerships.

Prodigal is a leading provider of consumer finance intelligence software, focused on enhancing communication and operational efficiency in the finance sector. The company's platform employs artificial intelligence to deliver real-time agent assistance, generate post-conversation notes, and analyze call quality, thereby optimizing loan servicing, collections, auto finance, and healthcare revenue cycle management. With nearly one in five U.S. borrowers having interacted with Prodigal, the company aims to improve the overall experience for lenders, collection agencies, and healthcare organizations by maximizing revenue, streamlining operations, and minimizing compliance risks. Prodigal's innovative solutions transform analysis into actionable insights, fostering better communication and clarity throughout the loan lifecycle.

Credgenics is a debt recovery platform that focuses on resolving non-performing assets (NPAs) for financial institutions, including banks, non-banking financial companies (NBFCs), and digital lending firms. By leveraging technology and automation intelligence, the company enhances the efficiency of loan recovery processes. Credgenics employs tailored strategies and optimal legal routes to improve recovery rates while minimizing costs. Its solutions aim to facilitate the resolution of stressed assets, ultimately supporting financial institutions in managing their loan portfolios more effectively.

Orum is a financial technology company that provides a platform designed to facilitate real-time money movement and instant payment solutions. Founded in 2019 and headquartered in New York, Orum leverages machine learning and proprietary data science to enhance financial transactions. Its flagship product, Foresight, is an automated programming interface that predicts fund availability and assesses transaction risks, allowing banks and financial institutions to move money instantaneously. By offering a single API integration, Orum enables businesses across various industries to embed its infrastructure, optimizing payment processes for speed, cost, and risk management. The company's innovative approach supports the development of new financial products while ensuring seamless transaction experiences.

Unit is a financial infrastructure platform that enables technology companies to integrate financial features into their products, including accounts, cards, payments, and lending. By streamlining the process of launching vertical banks, Unit manages compliance and banking relationships, allowing businesses to create unique banking experiences efficiently. This capability not only accelerates the development timeline for financial services but also enhances customer engagement and lifetime value by differentiating their offerings in a competitive market.

Wectory is a financial technology company specializing in providing upfront funding solutions for landlords through its innovative software application. The platform enables landlords to convert future rental income into immediate working capital, addressing both planned and unexpected financial needs. With features such as automated payments, reminders, and detailed reports, the application streamlines the rental payment process. Landlords can request up to twelve months of rent in a single payment, allowing them to enhance their cash flow for various personal or property-related expenses. Wectory's services aim to support landlords in managing their financial obligations effectively while optimizing their rental revenue.

Mensa Brands is a brand-building company that focuses on identifying and investing in established digital-first brands within the lifestyle, home, and beauty sectors. The company provides working capital and equity investments to direct-to-consumer startups, aiming to enhance their online presence and drive growth. By leveraging its expertise in areas such as product development, merchandising, technology, and supply chain management, Mensa Brands supports founders in achieving successful financial exits while transforming their businesses through effective partnerships.

Trade Republic Bank GmbH is a mobile-only broker based in Berlin, Germany, founded in 2015. The company offers a commission-free trading platform that allows users to invest in the capital market easily and intuitively through a mobile application. Its services enable traders and investors to engage with various financial instruments, including stocks, derivatives, and options, making it accessible for a new generation of investors seeking a streamlined and efficient trading experience.

Atrato is a fintech company that provides a payment platform allowing affiliated merchants to offer a buy now, pay later option to customers. This service enables consumers to make purchases at participating stores, both online and in-person, and to pay for these purchases over a period of up to 24 months without the need for credit or debit cards. Atrato aims to enhance the quality of life in Latin America by offering fair and accessible financial tools and services, while also helping merchants increase their sales and meet customer demand through simplified installment purchases.

Middesk, Inc., founded in 2018 and based in San Francisco, California, is an identity platform that specializes in automating business verification and enhancing decision-making processes for organizations. The company's platform offers comprehensive data on various businesses, allowing service providers to monitor changes in their customer base and gain a clearer understanding of client needs. By centralizing the credentialing process, Middesk enables companies to effectively manage risk and compliance with minimal friction, thus streamlining onboarding and increasing operational efficiency. Through its services, Middesk supports businesses in establishing, operating, and maintaining compliance with contractual and regulatory requirements.

Socure Inc. is a provider of digital identity verification solutions, focusing on real-time identity authentication through its Socure ID+ platform. This predictive analytics platform utilizes artificial intelligence and machine learning to authenticate identities by analyzing a multitude of online and offline data sources, including email, phone numbers, addresses, IP addresses, and social media profiles. Socure's offerings include Aida, an AI-driven bot for validating digital identities, Docv, an omnichannel document verification solution, and Sigma Synthetic Fraud, which tackles synthetic identity fraud. The company addresses the needs of various sectors, including software, consulting, and financial firms, through compliance initiatives such as customer identification programs, know your customer requirements, and anti-money laundering measures. Founded in 2012 and headquartered in New York, Socure has established partnerships with key industry players to enhance its service delivery.

Genesis Global Technology Limited specializes in developing custom software and solutions tailored for the capital markets. Founded in 2015 and headquartered in London, with an additional office in New York, the company provides a range of platforms designed to enhance trading and operational efficiency. Its offerings include an automated quoting system for managing requests for quotes, an order execution management system, and a trade allocation manager that facilitates various trading processes. Additionally, Genesis Global offers tools for data management and reconciliation, such as a short/long code manager and a matcher. The company is led by a team of industry veterans with substantial experience in trading technologies across multiple asset classes, aiming to deliver innovative solutions that align with the evolving needs of clients in the financial sector.

FalconX, Ltd. is a cryptocurrency brokerage and digital asset trading platform founded in 2018 and based in San Mateo, California. The company specializes in blockchain technology and fintech, offering clients access to cryptocurrency markets for trading, credit, and clearing. FalconX utilizes data science and machine learning to ensure reliable execution of mid-to-large size trades, smart routing prices across multiple liquidity sources. This approach helps eliminate slippage and hidden fees, making it an attractive option for hedge funds, proprietary trading firms, and other institutional clients seeking efficient and cost-effective trading solutions.

Xendit is a Southeast Asian fintech company that specializes in providing payment infrastructure primarily in Indonesia and the Philippines. Founded in 2014 by Moses Lo, Tessa Wijaya, Bo Chen, and Juan Gonzalez, Xendit offers a robust payment gateway platform that enables businesses to accept various forms of payments, including bank transfers, virtual accounts, and credit cards. The company simplifies payment processes through a suite of world-class APIs and an intuitive dashboard, allowing businesses to efficiently manage transactions, disburse payroll, and access loan services while also detecting fraud. By streamlining these financial operations, Xendit supports the growth of businesses in the region.

Zolve is a neo-banking platform based in Bangalore, India, launched in 2020. It offers a range of financial services including deposit accounts, prepaid cards, money transfers, bill payments, and cross-border transactions. The platform also provides tools for monitoring transactions and managing expenses and budgets. Zolve aims to create a borderless financial world, providing equitable access to global financial products on a single platform. This enables individuals to save money, invest it further, and pursue their ambitions with greater financial freedom.

Monzo is a digital bank that operates primarily through its mobile application, offering a range of banking services including current, savings, and business accounts, as well as overdrafts and loans. It provides real-time spending updates, categorized transactions, budgeting tools, and instant transaction notifications. Monzo's unique features include 'Pots', sub-accounts for saving towards specific goals, and Monzo Plus, a premium subscription service offering additional benefits. The company, founded in 2015 and based in London, aims to serve customers who prefer managing their finances digitally, without the need for physical branches.

Melio is a fintech company that specializes in providing small businesses with digital tools to manage their business-to-business payments and receivables. Its platform offers a streamlined accounts payable and receivable dashboard, allowing businesses to transfer and receive payments efficiently. By simplifying the payment workflow, Melio enables small businesses to improve their cash flow and reduce or eliminate late payment costs. This approach enhances oversight and control over finances, allowing businesses to focus more on customer engagement rather than back-office operations. Overall, Melio aims to empower small businesses by minimizing time and costs associated with payment processes.

Chainalysis Inc. is a blockchain analysis company that specializes in anti-money laundering software tailored for cryptocurrency businesses. Founded in 2014 and headquartered in New York, with additional offices in Copenhagen, Tokyo, and Singapore, the company offers a suite of products designed to enhance compliance and security in the cryptocurrency space. Key offerings include REACTOR, an interactive investigation tool that identifies offenders and visualizes data; a transaction-based risk scoring API that assesses the source and destination of funds; and various activity monitoring reports and due diligence tools that help financial institutions understand and mitigate risks associated with cryptocurrency transactions. Chainalysis serves a wide range of clients, including government agencies, banks, exchanges, and other financial institutions, providing them with the necessary tools to navigate the complexities of blockchain technology and ensure compliance with regulatory standards.

Credgenics is a debt recovery platform that focuses on resolving non-performing assets (NPAs) for financial institutions, including banks, non-banking financial companies (NBFCs), and digital lending firms. By leveraging technology and automation intelligence, the company enhances the efficiency of loan recovery processes. Credgenics employs tailored strategies and optimal legal routes to improve recovery rates while minimizing costs. Its solutions aim to facilitate the resolution of stressed assets, ultimately supporting financial institutions in managing their loan portfolios more effectively.

Melio is a fintech company that specializes in providing small businesses with digital tools to manage their business-to-business payments and receivables. Its platform offers a streamlined accounts payable and receivable dashboard, allowing businesses to transfer and receive payments efficiently. By simplifying the payment workflow, Melio enables small businesses to improve their cash flow and reduce or eliminate late payment costs. This approach enhances oversight and control over finances, allowing businesses to focus more on customer engagement rather than back-office operations. Overall, Melio aims to empower small businesses by minimizing time and costs associated with payment processes.

Ledger Investing Inc. operates an online marketplace that connects investors with insurance carriers, facilitating the purchase of securities linked to various classes of insurance risk. Founded in 2016 and based in Washington, D.C., the company enhances risk transparency and standardization in the creation of Insurance-Linked Securities (ILS). By leveraging advanced data infrastructure and analytics, Ledger Investing streamlines transactions and provides asset managers, pension funds, hedge funds, family offices, and other institutions with opportunities to earn returns through insurance investments. The platform combines financial engineering and software development, enabling investors to engage with a growing asset class that is uncorrelated to traditional investments like equities and fixed income, while also allowing insurers to access lower-cost capital through securitization.

Monzo is a digital bank that operates primarily through its mobile application, offering a range of banking services including current, savings, and business accounts, as well as overdrafts and loans. It provides real-time spending updates, categorized transactions, budgeting tools, and instant transaction notifications. Monzo's unique features include 'Pots', sub-accounts for saving towards specific goals, and Monzo Plus, a premium subscription service offering additional benefits. The company, founded in 2015 and based in London, aims to serve customers who prefer managing their finances digitally, without the need for physical branches.

FalconX, Ltd. is a cryptocurrency brokerage and digital asset trading platform founded in 2018 and based in San Mateo, California. The company specializes in blockchain technology and fintech, offering clients access to cryptocurrency markets for trading, credit, and clearing. FalconX utilizes data science and machine learning to ensure reliable execution of mid-to-large size trades, smart routing prices across multiple liquidity sources. This approach helps eliminate slippage and hidden fees, making it an attractive option for hedge funds, proprietary trading firms, and other institutional clients seeking efficient and cost-effective trading solutions.

Anyfin AB is a financial technology company based in Stockholm, Sweden, founded in 2017. It offers a loan refinancing platform that helps users improve the terms and rates of their existing loans. The company utilizes artificial intelligence and mobile technology, allowing users to refinance by simply taking a photo of their loan statements. By leveraging consumer data and payment history, Anyfin aims to help clients, particularly those with good credit ratings, reduce their interest costs without extending their repayment periods. The company focuses on providing fair and transparent financial services, initially addressing high interest and fees associated with loans and credit cards. Since its inception, Anyfin has expanded its offerings to include tools for tracking subscriptions and budgeting, enhancing users' overall financial management and encouraging better financial futures.

Trade Republic Bank GmbH is a mobile-only broker based in Berlin, Germany, founded in 2015. The company offers a commission-free trading platform that allows users to invest in the capital market easily and intuitively through a mobile application. Its services enable traders and investors to engage with various financial instruments, including stocks, derivatives, and options, making it accessible for a new generation of investors seeking a streamlined and efficient trading experience.

Juspay Technologies Pvt Ltd. is a Bengaluru-based company, founded in 2012, that specializes in mobile payment solutions. It offers a suite of products, including JUSPAY SAFE, a mobile payments browser, and EXPRESS CHECKOUT, which enhances payment gateway performance. The company's online platform serves as a software-as-a-service layer over existing payment gateways, streamlining integration and improving the management of various payment options. This enables users to conduct electronic transactions securely and efficiently, catering to the evolving needs of mobile-based payments.

Skeps is a technology company that provides a modular suite of products aimed at merchants and lenders to enhance the identification of credit solutions for customers. Founded in 2018 and headquartered in the U.S. with offices in India, Skeps utilizes private blockchain technology to facilitate the simultaneous evaluation of multiple financing options, thereby reducing declines and improving the overall customer experience. The company's offerings are designed to be integrated into the client's environment, providing access to rich data that enables the creation of highly customized customer offers while adhering to privacy guidelines. By focusing on point-of-sale financing, Skeps helps businesses offer payment flexibility, allowing them to stay competitive in a rapidly evolving digital landscape.

ZeFi is an innovative zk native cloud platform that enables developers to build and deploy zero-knowledge circuits directly in the cloud. By streamlining the process of proof generation, ZeFi allows developers to create and implement zk circuits and generate zk proofs for their applications within hours rather than weeks, thereby significantly reducing the infrastructure management burden. Additionally, ZeFi offers a financial platform aimed at facilitating access to decentralized finance through high-yield cash-denominated savings accounts. This platform converts deposits into fiat-linked cryptocurrencies and subsequently lends them to low-risk borrowers at higher interest rates, thus enabling crypto owners to enhance their engagement with digital assets and earn yields on their investments.

Melio is a fintech company that specializes in providing small businesses with digital tools to manage their business-to-business payments and receivables. Its platform offers a streamlined accounts payable and receivable dashboard, allowing businesses to transfer and receive payments efficiently. By simplifying the payment workflow, Melio enables small businesses to improve their cash flow and reduce or eliminate late payment costs. This approach enhances oversight and control over finances, allowing businesses to focus more on customer engagement rather than back-office operations. Overall, Melio aims to empower small businesses by minimizing time and costs associated with payment processes.

Deserve, Inc. is a financial services company based in Menlo Park, California, that specializes in providing credit cards and financial products to international students in the United States. Founded in 2012 and formerly known as Tremus, Inc., the company utilizes machine learning and alternative data to assess creditworthiness, allowing individuals without a traditional credit history to access fair credit products. Deserve employs various predictive attributes, including education, major, cost of education, source of initial funding, and future employability, to determine a student's ability to repay. The company operates a mobile-first credit card platform built on cloud-native and API-enabled architecture, enabling partnerships with financial institutions, fintechs, lenders, and merchant co-brands to deliver personalized experiences for cardholders.

Galileo is a financial technology platform specializing in card issuing, payments, and digital banking. Their services include customer service, program management, dispute operations, and fraud operations, and more. Their solutions include digital banking, B2B payments, cryptocurrency, embedded finance, investing, and more.

Middesk, Inc., founded in 2018 and based in San Francisco, California, is an identity platform that specializes in automating business verification and enhancing decision-making processes for organizations. The company's platform offers comprehensive data on various businesses, allowing service providers to monitor changes in their customer base and gain a clearer understanding of client needs. By centralizing the credentialing process, Middesk enables companies to effectively manage risk and compliance with minimal friction, thus streamlining onboarding and increasing operational efficiency. Through its services, Middesk supports businesses in establishing, operating, and maintaining compliance with contractual and regulatory requirements.

VoiceOps is a pioneering coaching enablement solution specifically designed for call centers, aiming to enhance the effectiveness of coaching and drive significant return on investment. Founded in 2016, the company utilizes advanced artificial intelligence tools to analyze high-volume calls and identify successful behaviors, which are then scaled across teams to foster lasting behavioral changes among representatives. This approach not only improves conversion rates but also reduces attrition and ramp-up time, creating a more consultative experience for customers. VoiceOps has demonstrated impressive results for its clients, including substantial increases in close rates and significant reductions in compliance violations and post-call work. The company serves leading organizations in various sectors, including financial services, education, and insurance, positioning itself as a critical partner for businesses looking to optimize their call center operations and drive growth.

Indifi Technologies Pvt. Ltd., established in 2015 and headquartered in Gurugram, India, operates an online platform that facilitates loans for small businesses. It connects borrowers with lenders, providing a range of services to support the lending process, including data aggregation, analysis, and loan monitoring. Indifi specializes in serving businesses in sectors such as e-commerce, travel, hospitality, retail, and trading. Its unique approach involves assessing creditworthiness based on industry-specific performance data, enabling it to identify low-risk, high-potential businesses that may lack access to traditional financing. The platform presents these applications to multiple lenders, increasing the chances of loan approval and providing lenders with choices.

Drip Capital Inc. is a financial technology company that specializes in providing credit solutions to small and medium enterprises (SMEs) engaged in cross-border trade, particularly in developing markets. Founded in 2014 and headquartered in Palo Alto, California, with an additional office in Mumbai, India, Drip Capital offers a range of trade finance products, including invoice factoring, export finance, and receivables factoring. The company utilizes an automated risk assessment model to facilitate quick and hassle-free access to financing, thus streamlining the borrowing process for its clients. Drip Capital's platform leverages multiple data sources for underwriting transactions, enabling SMEs to obtain collateral-free loans and lines of credit to support their working capital needs. The team comprises experienced professionals from prestigious institutions, and the company is supported by notable investors from Silicon Valley.

Monzo is a digital bank that operates primarily through its mobile application, offering a range of banking services including current, savings, and business accounts, as well as overdrafts and loans. It provides real-time spending updates, categorized transactions, budgeting tools, and instant transaction notifications. Monzo's unique features include 'Pots', sub-accounts for saving towards specific goals, and Monzo Plus, a premium subscription service offering additional benefits. The company, founded in 2015 and based in London, aims to serve customers who prefer managing their finances digitally, without the need for physical branches.

Zepz is an online money transfer service that enables individuals to send money to friends and family living abroad through computers, smartphones, or tablets. It provides a convenient and cost-effective alternative to traditional money transfer companies, which often charge high fees. Zepz allows users to send funds to over 140 destinations worldwide, including Europe, Asia, Africa, Australia, and the Americas. Recipients can receive money as bank deposits, cash pickups, Mobile Money, or mobile airtime top-ups. The platform is designed to facilitate secure international transfers, utilizing technology that allows customers to manage their funds efficiently, with lower processing fees compared to conventional methods. Zepz operates in 50 countries, aiming to simplify the process of remittance for its users.

Zepz is an online money transfer service that enables individuals to send money to friends and family living abroad through computers, smartphones, or tablets. It provides a convenient and cost-effective alternative to traditional money transfer companies, which often charge high fees. Zepz allows users to send funds to over 140 destinations worldwide, including Europe, Asia, Africa, Australia, and the Americas. Recipients can receive money as bank deposits, cash pickups, Mobile Money, or mobile airtime top-ups. The platform is designed to facilitate secure international transfers, utilizing technology that allows customers to manage their funds efficiently, with lower processing fees compared to conventional methods. Zepz operates in 50 countries, aiming to simplify the process of remittance for its users.

Anyfin AB is a financial technology company based in Stockholm, Sweden, founded in 2017. It offers a loan refinancing platform that helps users improve the terms and rates of their existing loans. The company utilizes artificial intelligence and mobile technology, allowing users to refinance by simply taking a photo of their loan statements. By leveraging consumer data and payment history, Anyfin aims to help clients, particularly those with good credit ratings, reduce their interest costs without extending their repayment periods. The company focuses on providing fair and transparent financial services, initially addressing high interest and fees associated with loans and credit cards. Since its inception, Anyfin has expanded its offerings to include tools for tracking subscriptions and budgeting, enhancing users' overall financial management and encouraging better financial futures.

OpenGamma Limited, established in 2009, is a London-based technology company that specializes in real-time market risk management solutions for financial institutions. It offers a comprehensive platform that delivers cross-asset risk and trading analytics, enabling front-office and risk users to make informed decisions. The platform caters to a wide range of clients, including buy-side and sell-side firms, clearing institutions, exchanges, and other segments of the over-the-counter (OTC) market. OpenGamma's solutions also extend to optimizing performance in OTC markets, with tools for multi-central counterparty (CCP) margin calculations. The company provides support, consulting, and training services to ensure clients maximize the benefits of its platform.

Amitree, Inc. is a San Francisco-based company founded in 2012 that specializes in providing an online tool designed to streamline the home buying process for both buyers and real estate professionals. The company's flagship product, Amitree Folio, serves as an AI-powered deal organizer and project manager, transforming unstructured email communication into a more manageable format. By utilizing advanced AI algorithms, Amitree Folio offers features such as smart folders that help users organize emails, attachments, contacts, and important dates, ultimately enhancing productivity and allowing professionals to focus on the more human aspects of their work.

GoCardless Limited, established in 2011 and headquartered in London, specializes in online payment processing services for businesses. It facilitates bank-to-bank transfers through web-based gateways and APIs, enabling merchants to collect one-off and recurring payments. The company's key products include GoCardless for simple online payments, GoCardless Pro for building recurring payment ecosystems, and Success+ for predicting and managing payment failures. GoCardless offers international payment collection, with connections to over 2,300 banks across Europe, and securely provides bank account data to enhance products and manage risk. With strategic alliances like Zuora, Inc., GoCardless serves over 75,000 businesses worldwide, operating from offices in London, Paris, Munich, Melbourne, and New York.

Chainalysis Inc. is a blockchain analysis company that specializes in anti-money laundering software tailored for cryptocurrency businesses. Founded in 2014 and headquartered in New York, with additional offices in Copenhagen, Tokyo, and Singapore, the company offers a suite of products designed to enhance compliance and security in the cryptocurrency space. Key offerings include REACTOR, an interactive investigation tool that identifies offenders and visualizes data; a transaction-based risk scoring API that assesses the source and destination of funds; and various activity monitoring reports and due diligence tools that help financial institutions understand and mitigate risks associated with cryptocurrency transactions. Chainalysis serves a wide range of clients, including government agencies, banks, exchanges, and other financial institutions, providing them with the necessary tools to navigate the complexities of blockchain technology and ensure compliance with regulatory standards.

Skeps is a technology company that provides a modular suite of products aimed at merchants and lenders to enhance the identification of credit solutions for customers. Founded in 2018 and headquartered in the U.S. with offices in India, Skeps utilizes private blockchain technology to facilitate the simultaneous evaluation of multiple financing options, thereby reducing declines and improving the overall customer experience. The company's offerings are designed to be integrated into the client's environment, providing access to rich data that enables the creation of highly customized customer offers while adhering to privacy guidelines. By focusing on point-of-sale financing, Skeps helps businesses offer payment flexibility, allowing them to stay competitive in a rapidly evolving digital landscape.

Scribox operates an online investing platform focused on mutual funds in India. Founded in 2012 and headquartered in Bengaluru, the company enables investors to buy and sell various types of mutual funds, including equity, debt, and tax-saving options. Its platform is designed to provide users with financial advice and facilitate investment transactions, aiming to enhance users' returns on their investments. By offering a comprehensive digital wealth management solution, Scribox helps individuals navigate the complexities of mutual fund investments effectively.

Monzo is a digital bank that operates primarily through its mobile application, offering a range of banking services including current, savings, and business accounts, as well as overdrafts and loans. It provides real-time spending updates, categorized transactions, budgeting tools, and instant transaction notifications. Monzo's unique features include 'Pots', sub-accounts for saving towards specific goals, and Monzo Plus, a premium subscription service offering additional benefits. The company, founded in 2015 and based in London, aims to serve customers who prefer managing their finances digitally, without the need for physical branches.

Deserve, Inc. is a financial services company based in Menlo Park, California, that specializes in providing credit cards and financial products to international students in the United States. Founded in 2012 and formerly known as Tremus, Inc., the company utilizes machine learning and alternative data to assess creditworthiness, allowing individuals without a traditional credit history to access fair credit products. Deserve employs various predictive attributes, including education, major, cost of education, source of initial funding, and future employability, to determine a student's ability to repay. The company operates a mobile-first credit card platform built on cloud-native and API-enabled architecture, enabling partnerships with financial institutions, fintechs, lenders, and merchant co-brands to deliver personalized experiences for cardholders.

Wonga is a UK-based online lender specializing in small, short-term cash advances. It uses advanced risk assessment technology to make swift, responsible lending decisions. Customers can customize loan amounts (up to £750) and durations (5 to 30 days) before applying, with funds deposited within minutes. Wonga's fully automated system offers more speed and flexibility than traditional credit options, aiming to help consumers manage temporary cash shortfalls rather than long-term debt. It has been recognized for its innovative technology, winning awards such as the Red Herring Europe 100 and the National Business Awards.