Andreessen Horowitz

Flow develops, acquires, owns, and manages multifamily apartment buildings, integrating physical and digital services into its residential properties. The company focuses on providing housing and related services, including financial and lifestyle offerings for residents. Flow’s approach includes technology-enabled solutions intended to support daily living in rental communities.

Crux is the capital markets technology company changing the way clean energy and manufacturing projects are financed in the U.S. Crux’s platform, market intelligence, and expert team help developers and manufacturers raise capital through all stages of project development and operation. The company’s first offering is the leading platform for tax credit transfers. Since its launch in 2023, Crux has raised more than $27 million in funding from venture capital and strategic investors. Crux’s world-class team brings together expertise from energy, tax, finance, government, and technology to power an abundant, resilient, and secure energy future. For more information, visit https://www.cruxclimate.com/.

Mercury is a financial technology company that delivers online banking solutions tailored for startups and technology-focused businesses. It offers a suite of services, including business checking and savings accounts, corporate credit cards, and currency exchange options. The platform features payment processing, expense tracking, and integration capabilities with accounting software to enhance financial management. Additionally, Mercury provides API access for custom financial automation, making it easier for businesses to manage their financial operations. Catering primarily to venture-backed companies, Mercury utilizes partnerships with FDIC-insured institutions to ensure secure banking services. Its goal is to equip clients with practical financial tools and real-time insights into their business finances, thereby maximizing operational efficiency.

Sardine is a financial technology company that specializes in providing a risk and fraud infrastructure tailored for the online economy. It has developed a device intelligence platform that leverages artificial intelligence and advanced risk engine software. This platform enhances fraud detection while minimizing sign-up friction by analyzing multiple real-time data points, including device information, browser details, and behavioral biometrics. By integrating this technology, Sardine enables businesses to establish a robust risk and fraud management framework, ultimately reducing costs within the fintech ecosystem.

Clutch provides solutions for transforming Credit Unions into modern FinTechs, focusing on loan and deposit onboarding. The company addresses inefficiencies in traditional banking by offering tailored digital experiences that improve member satisfaction and operational efficiency.

Method Financial is a developer of a financial connectivity API that focuses on consumer liability data and payments. The company offers a loan management application designed to simplify and secure debt repayment. Its platform enables real-time access to consumer credit and liability accounts, facilitating end-to-end refinance experiences and one-click checkout capabilities. By providing comprehensive real-time credit data and integrated payment solutions, Method Financial empowers lenders, fintech companies, and financial institutions to create personalized lending and financial management experiences. This connectivity allows users to securely manage all their liabilities while retrieving detailed financial information.

Current is a consumer fintech banking platform dedicated to enhancing financial access for everyday Americans. The company focuses on developing integrated solutions that address the barriers preventing individuals from achieving their financial goals. By simplifying banking processes and providing user-friendly tools, Current aims to empower users to build a secure financial future. With backing from prominent investors, Current continues to innovate in the financial technology space, striving to meet the diverse needs of its customer base through modern banking solutions.

Valon Mortgage is a Fannie Mae and Freddie Mac approved, tech-enabled residential mortgage servicer. The company’s mission is to champion homeowners on their financial journey as the partner they trust with their home and their future.

Tapi is a fintech company that specializes in providing e-wallet solutions and merchant services for both online and in-store transactions. The company offers a range of financial technology services aimed at facilitating seamless transactions and improving financial management. Their payment solutions include digital payment processing, which allows businesses to integrate various payment methods. Tapi's e-wallet services enable consumers to manage their transactions conveniently via mobile wallets that include balance management and transaction history features. For merchants, the company provides tools for accepting payments in multiple environments, along with analytics and reporting tools to effectively track sales. Additionally, Tapi supports cross-border transactions, offering services for international payments and currency exchange, while implementing robust security measures to prevent fraud and protect data.

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

Addi is a technology company specializing in credit and banking solutions, particularly through its point-of-sale lending application. This platform enables consumers to apply for credit at the moment of purchase in partner retail stores, facilitating interest-free installment payments. By offering a buy now, pay later option, Addi aims to enhance digital commerce and provide borrowers with quick and affordable financing for their shopping needs.

Crux is the capital markets technology company changing the way clean energy and manufacturing projects are financed in the U.S. Crux’s platform, market intelligence, and expert team help developers and manufacturers raise capital through all stages of project development and operation. The company’s first offering is the leading platform for tax credit transfers. Since its launch in 2023, Crux has raised more than $27 million in funding from venture capital and strategic investors. Crux’s world-class team brings together expertise from energy, tax, finance, government, and technology to power an abundant, resilient, and secure energy future. For more information, visit https://www.cruxclimate.com/.

Maza is a mobile application that operates as a digital bank, providing a range of modern banking services. The platform offers users access to savings accounts, NFC-enabled prepaid cards for both online and offline transactions, as well as bill payment and money transfer services. By focusing on user-friendly features, Maza aims to deliver a hassle-free banking experience that encourages financial savings and efficient management of personal finances.

Spade specializes in transaction data enrichment by offering a unique solution that utilizes a comprehensive first-party data network. This infrastructure provides real-time access to detailed information about card transactions, including merchant identities, categories, and geolocation. By linking each transaction to accurate merchant data, Spade enables card issuers, anti-fraud providers, and fintech companies to enhance their applications and systems without the need for extensive data cleaning. The insights derived from Spade's services help clients prevent fraud, improve authorization rates, and develop innovative financial technology features, ultimately delivering greater clarity and context to each transaction.

MOMENT is a private markets liquidity provider that operates a fixed-income infrastructure tailored for contemporary financial firms. The company aims to enhance the accessibility and fairness of fixed-income markets by delivering innovative solutions to global fintech companies, traditional brokerages, and registered investment advisors. MOMENT develops an institutional-grade platform that facilitates stable income generation through advanced technology. By offering application programming interfaces (APIs), it empowers various firms managing substantial assets to engage in fixed-income investing, thereby modernizing the financial market landscape.

Silo Inc is a U.S.-based company that specializes in automating the perishable supply chain. It connects various stakeholders, including growers, packers, shippers, wholesalers, distributors, retailers, food service providers, processors, and third-party logistics (3PL) providers. Silo offers integrated software solutions and financing services to enhance cash flow and streamline operations. Its platform automates processes such as inventory management, orders, payments, and logistics, utilizing AI and machine learning to adapt to existing workflows and improve efficiency and transparency throughout the supply chain.

Topkey is a financial operating system designed to assist investment homeowners in connecting with property managers. Founded in 2020 and headquartered in San Francisco, the app tracks expenses by property, synchronizes transactions across various systems, and significantly reduces bookkeeping costs. In addition to expense management, Topkey prepares detailed reports that compare services and quotes from different management companies, facilitating the hiring process by allowing clients to schedule interviews with qualified property managers. This platform aims to streamline property management and enhance financial oversight for property owners.

Maza is a mobile application that operates as a digital bank, providing a range of modern banking services. The platform offers users access to savings accounts, NFC-enabled prepaid cards for both online and offline transactions, as well as bill payment and money transfer services. By focusing on user-friendly features, Maza aims to deliver a hassle-free banking experience that encourages financial savings and efficient management of personal finances.

Moov Financial, Inc. is a financial technology company that specializes in developing an open-source platform designed to embed banking services within various applications. Established in 2017 and headquartered in Cedar Falls, Iowa, Moov is focused on rebuilding banking infrastructure for a cloud-native environment, free from legacy technology constraints. The platform offers a developer-friendly approach, allowing for customization and portability across cloud providers or on-premises environments. Moov's services include ACH processing, customer accounts, KYC and OFAC compliance, wire transfers, and image cash letters. By providing a modular and decoupled banking-as-a-service solution, Moov enables organizations to integrate transactional banking capabilities seamlessly into their software, thereby enhancing user experiences and simplifying money management.

Method Financial is a developer of a financial connectivity API that focuses on consumer liability data and payments. The company offers a loan management application designed to simplify and secure debt repayment. Its platform enables real-time access to consumer credit and liability accounts, facilitating end-to-end refinance experiences and one-click checkout capabilities. By providing comprehensive real-time credit data and integrated payment solutions, Method Financial empowers lenders, fintech companies, and financial institutions to create personalized lending and financial management experiences. This connectivity allows users to securely manage all their liabilities while retrieving detailed financial information.

Matter Labs is a blockchain technology company founded in 2018, with its headquarters in Berlin, Germany, and an additional presence in George Town, Cayman Islands. The company focuses on scaling Ethereum through the implementation of zero-knowledge proofs, which facilitate secure interactions between untrusted parties on the network. Matter Labs aims to enhance public blockchain adoption by providing solutions that improve scalability and privacy. Its technology allows decentralized applications to operate more efficiently while ensuring verifiable computation, enabling parties to prove integrity without compromising privacy. The company's mission is driven by a commitment to creating an open and free alternative to existing financial systems.

The Coterie provides end-to-end investment management for GPs and LPs. Our founders—Ethan Agarwal, Jeson Patel, and Chris Boies—have all founded and sold companies before. We’ve raised $50M in funding, led by Andreessen Horowitz. Other investors include Garry Tan (Midas List), Gokul Rajaram (IFKYK), Mar Hershenson (Midas List), Stanley Tang (Doordash co-founder), and more.

Uniswap Labs is a software company founded in 2018 by Hayden Adams, who created the Uniswap Protocol, a decentralized platform for swapping digital assets. The protocol has facilitated $2.75 trillion in transaction volume since its inception. Uniswap Labs focuses on developing widely used decentralized finance (DeFi) products, including a user-friendly web interface, a self-custody mobile wallet, and an API tailored for professional market participants. The platform empowers liquidity providers and traders by offering a financial marketplace that is open and accessible to all. Utilizing smart contracts, it enables secure and decentralized on-chain conversions of assets, allowing users to trade tokens directly without intermediaries while defining asset prices based on the liquidity staked in the system.

Tellus, Inc. is a financial technology platform that aims to help users build wealth through passive income products. Founded in 2016 and based in Newark, Delaware, Tellus provides an online real estate mobile platform that connects landlords, renters, property managers, realtors, and service providers, facilitating property management tasks. The platform offers a property management application that includes services such as renting and leasing properties, processing rent payments, managing reimbursement requests, and documenting receipts and home-related files. Additionally, Tellus features high-yield cash accounts that offer competitive interest rates, significantly higher than traditional savings accounts, while ensuring users are insulated from stock and cryptocurrency markets. Banking services are backed by FDIC-insured institutions, and the platform employs advanced encryption to safeguard user information.

Tally is a consumer technology company established in 2015, focused on financial automation with a particular emphasis on credit management. The company developed an innovative platform that addresses credit card debt, helping users save money on interest and avoid unnecessary charges. Tally's services include automated tracking of credit card balances and due dates, debt management, late fee protection, and the provision of a line of credit. By simplifying and automating these financial tasks, Tally empowers individuals to manage their finances more effectively, ultimately allowing them to reduce stress related to money and focus on their personal goals.

Sequence is focused on creating an innovative financial operations stack specifically for B2B companies. The company develops financial software that simplifies operational processes by offering APIs and tools designed to enhance pricing, billing, and related services. By leveraging data and analytics, Sequence enables businesses to implement dynamic billing and collections systems that adapt to changing market demands. This approach supports companies as they scale from initial funding stages to public offerings, allowing operators to build, iterate, and expand into new markets and product verticals. Additionally, Sequence provides real-time insights into business performance, facilitating informed decision-making.

Flow develops, acquires, owns, and manages multifamily apartment buildings, integrating physical and digital services into its residential properties. The company focuses on providing housing and related services, including financial and lifestyle offerings for residents. Flow’s approach includes technology-enabled solutions intended to support daily living in rental communities.

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

Entropy provides crypto custody services to keep private keys secure and make assets available on demand. Its services specialize in creating a decentralized network leveraging advanced threshold cryptography and multi-party computation. The company was founded in 2021 and is headquartered in New York.

Spade specializes in transaction data enrichment by offering a unique solution that utilizes a comprehensive first-party data network. This infrastructure provides real-time access to detailed information about card transactions, including merchant identities, categories, and geolocation. By linking each transaction to accurate merchant data, Spade enables card issuers, anti-fraud providers, and fintech companies to enhance their applications and systems without the need for extensive data cleaning. The insights derived from Spade's services help clients prevent fraud, improve authorization rates, and develop innovative financial technology features, ultimately delivering greater clarity and context to each transaction.

Material Security is an email security company that specializes in developing data-driven software to safeguard organizations' users and sensitive information. Established in response to significant data breaches, the company emphasizes the importance of creativity in both technological innovation and protection. Its software utilizes common tools in innovative ways to assess and mitigate risks within cloud office applications. By seamlessly integrating with identity providers, the platform enables organizations to analyze risks, detect threats, and manage incidents effectively. Material Security collaborates with a diverse range of clients, including major corporations in media, finance, technology, and public sector entities, to enhance the security and confidentiality of their operations while fostering safe collaboration among users.

MVMNT is a technology-driven company focused on providing a digital freight management platform tailored for small to medium-sized freight brokerages. Founded by professionals with firsthand experience in the freight industry, MVMNT aims to empower brokers by integrating operational expertise with advanced technological solutions. The platform is designed to streamline various aspects of freight management, including carrier procurement, pricing, load dispatching, and payment processes, thereby enhancing efficiency and maximizing gross profit. By prioritizing a brokerage-first approach, MVMNT alleviates operational challenges and allows brokers to concentrate on building strong relationships within the industry. Through its commitment to innovation and operational excellence, MVMNT supports the growth of brokerage firms by equipping them with the necessary tools to thrive in a competitive landscape.

Loop Crypto is an online payment platform designed to simplify cryptocurrency transactions. It offers a crypto payment gateway that facilitates autopay for non-custodial wallets. This service is built on a web3 native non-custodial payment processor, allowing clients to engage in efficient and secure payment methods within the web3 ecosystem. By prioritizing safety and user autonomy, Loop Crypto aims to enhance the experience of digital currency transactions.

Datanomik is a B2B fintech platform specializing in Open Finance, aimed at facilitating access to financial data from various institutions across Latin America. The platform offers a comprehensive suite of solutions tailored for diverse companies and fintechs, positioning itself as the leading Open Finance provider in the region. Datanomik's multi-bank cash management system enhances operational efficiency by providing secure, real-time access to financial data through simple API integrations. This functionality allows businesses to gain visibility into their cash flows and enables developers to implement APIs with minimal coding, streamlining the process of obtaining financial information.

Cross River Bank, established in 2008 and headquartered in Fort Lee, New Jersey, is a subsidiary of CRB Group, Inc. It offers a range of personal and corporate banking services, including checking, savings, and deposit accounts. The bank specializes in direct lending for commercial real estate projects across the New York, New Jersey, and Connecticut metro areas. Notably, Cross River Bank combines traditional banking with innovative technologies to provide solutions for fintech companies in marketplace lending and payment processing. It focuses on regulatory compliance and consumer protection to deliver secure, API-based banking platforms and products, encompassing lending, payments, risk management, and BaaS offerings, enabling a comprehensive banking experience for its clients.

World is a company that connects users through a privacy-focused network designed for secure digital asset management. It offers a digital currency platform that emphasizes both privacy and transparency using a permissionless blockchain. The World App enables users to securely store their World ID, manage digital assets, and access various Mini Apps, promoting global connectivity and trust. Additionally, World provides an iris-scanning device that enhances digital identity security by storing biometric information, which helps discourage spammers from creating multiple accounts. This combination of secure identity management and digital currency aims to facilitate a reliable and user-friendly digital environment.

World is a company that connects users through a privacy-focused network designed for secure digital asset management. It offers a digital currency platform that emphasizes both privacy and transparency using a permissionless blockchain. The World App enables users to securely store their World ID, manage digital assets, and access various Mini Apps, promoting global connectivity and trust. Additionally, World provides an iris-scanning device that enhances digital identity security by storing biometric information, which helps discourage spammers from creating multiple accounts. This combination of secure identity management and digital currency aims to facilitate a reliable and user-friendly digital environment.

Propel, Inc. is a technology company based in Brooklyn, New York, founded in 2014. It specializes in developing mobile software applications aimed at improving the financial health of low-income Americans. The company's primary product, Providers, is a free app designed for EBT cardholders, enabling them to manage their government benefits, such as SNAP and rental assistance. The app also helps users save on essential expenses and earn cash, while offering features that allow them to check their balance and organize budgets around local deals. Propel's focus is on empowering its users to better navigate financial challenges and enhance their economic well-being.

Lido is a developer of an open-source liquid staking platform that enhances the Ethereum network's block validation capabilities. The platform addresses challenges related to initial cryptocurrency staking by allowing users to stake their assets and receive synthetic native tokens of equivalent value. These tokens can be utilized across various decentralized finance applications, enabling users to earn yield while maintaining liquidity. Lido's middleware operates on the Ethereum blockchain, ensuring perpetual access through multiple interfaces and channels.

Tapi is a fintech company that specializes in providing e-wallet solutions and merchant services for both online and in-store transactions. The company offers a range of financial technology services aimed at facilitating seamless transactions and improving financial management. Their payment solutions include digital payment processing, which allows businesses to integrate various payment methods. Tapi's e-wallet services enable consumers to manage their transactions conveniently via mobile wallets that include balance management and transaction history features. For merchants, the company provides tools for accepting payments in multiple environments, along with analytics and reporting tools to effectively track sales. Additionally, Tapi supports cross-border transactions, offering services for international payments and currency exchange, while implementing robust security measures to prevent fraud and protect data.

Sardine is a financial technology company that specializes in providing a risk and fraud infrastructure tailored for the online economy. It has developed a device intelligence platform that leverages artificial intelligence and advanced risk engine software. This platform enhances fraud detection while minimizing sign-up friction by analyzing multiple real-time data points, including device information, browser details, and behavioral biometrics. By integrating this technology, Sardine enables businesses to establish a robust risk and fraud management framework, ultimately reducing costs within the fintech ecosystem.

Phantom is a digital wallet specifically designed for decentralized finance (DeFi) and non-fungible tokens (NFTs). It functions as a multichain wallet, allowing users to manage their cryptocurrency and NFT assets across various blockchain networks, with a primary focus on Solana. The Phantom wallet is available on multiple platforms, including mobile devices and browser extensions, enhancing accessibility for users engaged in digital finance. The wallet leverages secure and transparent digital ledger technology, enabling users to safely store, buy, send, receive, and swap tokens, as well as collect NFTs, all within a user-friendly interface.

Vesta Corporation is a provider of electronic payment solutions, specializing in client-branded services that enhance payment processing for merchants. The company offers a range of merchant solutions, including vSafe for Small to Midsize Businesses, which focuses on payment and fraud protection for smaller digital goods merchants, and vSafe for Enterprise, designed for comprehensive payments management and enterprise-level fraud prevention. Additionally, Vesta provides vGuaranteed, a payment solution tailored for online retailers, and DelayPay, a retail installment program that allows prepaid wireless customers to pay for services in installments. Founded in 1995 and headquartered in Lake Oswego, Oregon, Vesta operates globally, with centers in the United States, Ireland, China, and an office in Singapore. The company serves diverse industries, including e-commerce, telecommunications, and financial services, processing hundreds of millions of secure payments across various channels while prioritizing data security and fraud loss elimination.

Nitra is a financial technology company focused on enhancing the healthcare industry through efficient and transparent solutions. The company offers a platform that provides machine learning-powered financial software, including credit cards, loans, accounts, payments, and expense management tailored for medical professionals. Nitra's tools help healthcare providers streamline their spending and manage payments in one centralized location, offering a clear overview of daily expenses. The Nitra Visa Business Card rewards users with benefits for every transaction and provides access to discounts through a network of partners. By simplifying accounting and receipt reconciliation, Nitra aims to support healthcare providers in balancing patient care with efficient practice management, delivering modern technology and dedicated support to the sector.

MVMNT is a technology-driven company focused on providing a digital freight management platform tailored for small to medium-sized freight brokerages. Founded by professionals with firsthand experience in the freight industry, MVMNT aims to empower brokers by integrating operational expertise with advanced technological solutions. The platform is designed to streamline various aspects of freight management, including carrier procurement, pricing, load dispatching, and payment processes, thereby enhancing efficiency and maximizing gross profit. By prioritizing a brokerage-first approach, MVMNT alleviates operational challenges and allows brokers to concentrate on building strong relationships within the industry. Through its commitment to innovation and operational excellence, MVMNT supports the growth of brokerage firms by equipping them with the necessary tools to thrive in a competitive landscape.

Addi is a technology company specializing in credit and banking solutions, particularly through its point-of-sale lending application. This platform enables consumers to apply for credit at the moment of purchase in partner retail stores, facilitating interest-free installment payments. By offering a buy now, pay later option, Addi aims to enhance digital commerce and provide borrowers with quick and affordable financing for their shopping needs.

Alluxio, Inc. is a provider of a memory-centric distributed storage system that facilitates unified data access across various applications and underlying storage systems. Founded in 2015 and based in Berkeley, California, the company emerged from an open-source project developed at UC Berkeley's AMPLab. Alluxio's platform enhances data orchestration, enabling analytics and machine learning operations in cloud environments by relocating data closer to compute resources. This architecture supports memory-speed access to files and objects, benefiting sectors such as financial services, retail, and telecommunications. The company has established a strategic collaboration with Intel to further advance its technology and offerings.

Setter is a smart contract wallet that invites mainstream users into the fold and bridges the gap between web2-to-web3 commerce with ease.

Valon Mortgage is a Fannie Mae and Freddie Mac approved, tech-enabled residential mortgage servicer. The company’s mission is to champion homeowners on their financial journey as the partner they trust with their home and their future.

World is a company that connects users through a privacy-focused network designed for secure digital asset management. It offers a digital currency platform that emphasizes both privacy and transparency using a permissionless blockchain. The World App enables users to securely store their World ID, manage digital assets, and access various Mini Apps, promoting global connectivity and trust. Additionally, World provides an iris-scanning device that enhances digital identity security by storing biometric information, which helps discourage spammers from creating multiple accounts. This combination of secure identity management and digital currency aims to facilitate a reliable and user-friendly digital environment.

CoinSwitch is a leading cryptocurrency exchange aggregator based in India, designed to simplify the complexities of cryptocurrency trading for everyday users. With over 20 million registered users, CoinSwitch enables individuals to easily invest in a variety of cryptocurrencies through a user-friendly platform. Users can make one-time purchases or set up systematic investment plans, allowing for flexible investment strategies. In addition to trading, CoinSwitch provides educational resources that help users understand the cryptocurrency market and make informed decisions. The platform features the Crypto Rupee Index, which aids users in analyzing market sentiments. Committed to expanding accessibility to cryptocurrency, CoinSwitch aims to establish itself as a comprehensive wealth-tech destination for Indian investors, facilitating a seamless experience for managing all aspects of their crypto transactions.

Addi is a technology company specializing in credit and banking solutions, particularly through its point-of-sale lending application. This platform enables consumers to apply for credit at the moment of purchase in partner retail stores, facilitating interest-free installment payments. By offering a buy now, pay later option, Addi aims to enhance digital commerce and provide borrowers with quick and affordable financing for their shopping needs.

TrueFi is a decentralized protocol for uncollateralized on-chain lending. The aim is for TrueFi to become the ultimate market-driven, automated credit rating and lending system, freeing money to move wherever it creates the most value instantly. On TrueFi, lenders enjoy competitive rates and full transparency of how their assets are utilized. Meanwhile, borrowers get access to fast, fixed rate loans with no collateral requirements, all while building an on-chain credit history. The process of vetting borrowers for creditworthiness and approving new loans is in the hands of holders of TRU, the TrueFi platform token. TrueFi was developed by TrustToken, the same team that launched and grew TUSD and four other leading stablecoins into asset-backed tokens trusted by many, attested live on-chain and now moving billions of dollars in monthly volume across +100 trading partners and 112 countries.

Archblock is a financial technology company that focuses on bridging institutional capital with decentralized finance (DeFi) through innovative web3-enabled products. Founded in 2017 and based in San Francisco, Archblock operates the TrustToken platform, which facilitates the creation of asset-backed tokens for global trading. The company emphasizes transparency and accessibility in lending by connecting institutional lenders and fund managers to DeFi markets. Its offerings include a modular suite of tools that allows institutions to create and manage stablecoins, tokenize real-world assets, and securely manage portfolios. Archblock's platform ensures compliance with fiduciary responsibilities and provides a legal framework that enforces smart contract terms, thereby enhancing the integrity of financial transactions.

Mercury is a financial technology company that delivers online banking solutions tailored for startups and technology-focused businesses. It offers a suite of services, including business checking and savings accounts, corporate credit cards, and currency exchange options. The platform features payment processing, expense tracking, and integration capabilities with accounting software to enhance financial management. Additionally, Mercury provides API access for custom financial automation, making it easier for businesses to manage their financial operations. Catering primarily to venture-backed companies, Mercury utilizes partnerships with FDIC-insured institutions to ensure secure banking services. Its goal is to equip clients with practical financial tools and real-time insights into their business finances, thereby maximizing operational efficiency.

Valora is a mobile crypto wallet that aims to simplify the use of cryptocurrencies and decentralized finance for individuals around the world. Its platform is designed for accessibility, allowing users, even those with basic smartphones, to send, save, and spend crypto with the same ease as sending a text message. Valora's application emphasizes user-friendly navigation while ensuring robust cryptographic security and privacy features, enabling secure money transfers across borders with a simple tap. By leveraging blockchain technology, Valora seeks to empower the estimated 6 billion smartphone users globally, making digital currencies practical and usable in everyday transactions.

Phantom is a digital wallet specifically designed for decentralized finance (DeFi) and non-fungible tokens (NFTs). It functions as a multichain wallet, allowing users to manage their cryptocurrency and NFT assets across various blockchain networks, with a primary focus on Solana. The Phantom wallet is available on multiple platforms, including mobile devices and browser extensions, enhancing accessibility for users engaged in digital finance. The wallet leverages secure and transparent digital ledger technology, enabling users to safely store, buy, send, receive, and swap tokens, as well as collect NFTs, all within a user-friendly interface.

Talos Trading is an institutional technology infrastructure provider based in New York, co-founded in 2018 by Anton Katz and Ethan Feldman. The company specializes in offering a comprehensive crypto trading platform that supports the entire trading lifecycle, including price discovery, clearing, and settlement. Talos Trading provides solutions across spot, futures, and foreign exchange markets, leveraging institutional-grade technology to enable clients to stream real-time and request-for-quote prices. Additionally, the platform includes portfolio accounting tools and facilitates efficient settlement processes, connecting various participants within the crypto ecosystem.

Addi is a technology company specializing in credit and banking solutions, particularly through its point-of-sale lending application. This platform enables consumers to apply for credit at the moment of purchase in partner retail stores, facilitating interest-free installment payments. By offering a buy now, pay later option, Addi aims to enhance digital commerce and provide borrowers with quick and affordable financing for their shopping needs.

Material Security is an email security company that specializes in developing data-driven software to safeguard organizations' users and sensitive information. Established in response to significant data breaches, the company emphasizes the importance of creativity in both technological innovation and protection. Its software utilizes common tools in innovative ways to assess and mitigate risks within cloud office applications. By seamlessly integrating with identity providers, the platform enables organizations to analyze risks, detect threats, and manage incidents effectively. Material Security collaborates with a diverse range of clients, including major corporations in media, finance, technology, and public sector entities, to enhance the security and confidentiality of their operations while fostering safe collaboration among users.

Chia Network Inc. is a San Francisco-based company that develops a blockchain platform focused on creating a more sustainable and decentralized cryptocurrency. Incorporated in 2017, Chia Network utilizes a unique approach based on proofs of space and time, harnessing low-cost, unused storage space on hard drives to optimize cryptocurrency transactions. The company offers Chialisp, a smart transaction programming language that enhances the security and ease of use of its cryptocurrency. By employing proofs of work for blockchain verification, Chia Network aims to provide a more efficient and secure alternative for both individual miners and traditional financial institutions purchasing and deploying cryptocurrency.

Bitski is a developer-focused platform that facilitates the creation, sale, and purchase of non-fungible tokens (NFTs) for creators, brands, and platforms. It aims to make blockchain technology accessible to mainstream audiences by connecting communities through ownable digital content. The platform also includes a decentralized sign-on cryptocurrency wallet system, allowing users to access their wallets from any browser or device. This feature ensures that users can manage their tokens and digital goods securely, using a username and a resettable password, thereby enhancing the accessibility and security of their crypto assets.

Current is a consumer fintech banking platform dedicated to enhancing financial access for everyday Americans. The company focuses on developing integrated solutions that address the barriers preventing individuals from achieving their financial goals. By simplifying banking processes and providing user-friendly tools, Current aims to empower users to build a secure financial future. With backing from prominent investors, Current continues to innovate in the financial technology space, striving to meet the diverse needs of its customer base through modern banking solutions.

Plaid Inc. is a technology company that facilitates the connection between consumers' bank accounts and applications, aiming to democratize financial services through advanced technological solutions. Founded in 2012 and headquartered in San Francisco, it provides a comprehensive suite of APIs that enable developers to create financial products connecting users with traditional financial institutions. Plaid's offerings include tools for accessing transaction history and balance data, authenticating bank accounts for payments, verifying identities, and confirming real-time account balances and income. These products support various applications in personal finances, consumer payments, lending, banking, and business finance. With a focus on enhancing both consumer experiences and developer capabilities, Plaid serves a diverse range of clients, including Fortune 50 companies, positioning itself as a vital infrastructure provider in the digital financial landscape.

Silo Inc is a U.S.-based company that specializes in automating the perishable supply chain. It connects various stakeholders, including growers, packers, shippers, wholesalers, distributors, retailers, food service providers, processors, and third-party logistics (3PL) providers. Silo offers integrated software solutions and financing services to enhance cash flow and streamline operations. Its platform automates processes such as inventory management, orders, payments, and logistics, utilizing AI and machine learning to adapt to existing workflows and improve efficiency and transparency throughout the supply chain.

Anchorage Digital is a regulated cryptocurrency platform that offers integrated financial services and infrastructure solutions tailored for institutions. Established in 2017 and headquartered in San Francisco, California, the company operates as the only federally chartered crypto bank in the United States, with an additional office in Singapore that maintains similar security and service standards. Anchorage Digital specializes in secure custody, regulatory compliance, and a variety of cryptocurrency-related services, including trading, staking, and governance. The platform emphasizes modern security engineering to ensure the safety of digital assets while facilitating streamlined participation in blockchain technology for businesses and institutions. With a valuation exceeding $3 billion, Anchorage Digital has attracted investments from prominent firms such as Andreessen Horowitz, Goldman Sachs, and Visa, among others. The company also supports a remote-friendly work environment, with additional offices located in New York, Porto, and Sioux Falls.

SeedFi, Inc. is an online platform that provides personal loan services specifically designed for lower-income consumers living paycheck to paycheck. Founded in early 2019 and based in San Francisco with an additional office in New York, the company aims to improve financial health by offering lower-cost access to capital and facilitating credit building. SeedFi's products cater to the needs of vulnerable individuals, enabling them to achieve financial stability through better access to financial services. By focusing on the challenges faced by these consumers, SeedFi seeks to empower them with the tools necessary for saving and improving their creditworthiness, ultimately helping them secure a more stable financial future.

Valon Mortgage is a Fannie Mae and Freddie Mac approved, tech-enabled residential mortgage servicer. The company’s mission is to champion homeowners on their financial journey as the partner they trust with their home and their future.

Matter Labs is a blockchain technology company founded in 2018, with its headquarters in Berlin, Germany, and an additional presence in George Town, Cayman Islands. The company focuses on scaling Ethereum through the implementation of zero-knowledge proofs, which facilitate secure interactions between untrusted parties on the network. Matter Labs aims to enhance public blockchain adoption by providing solutions that improve scalability and privacy. Its technology allows decentralized applications to operate more efficiently while ensuring verifiable computation, enabling parties to prove integrity without compromising privacy. The company's mission is driven by a commitment to creating an open and free alternative to existing financial systems.

Robinhood Financial LLC is an online brokerage firm that provides commission-free trading services to self-directed investors through its mobile application and website. Established in 2012 and headquartered in Menlo Park, California, the company, previously known as Chronos Financial, LLC, rebranded in 2013. As a subsidiary of Robinhood Markets, Inc., Robinhood offers a comprehensive platform for trading stocks, options, exchange-traded funds (ETFs), and cryptocurrencies. The firm aims to democratize access to financial markets, allowing users to trade and manage their investments easily. Its innovative platform includes features such as fractional shares, recurring investments, and IPO access. Robinhood generates revenue primarily by routing user orders to market makers, facilitating transactions across various asset classes.

Moov Financial, Inc. is a financial technology company that specializes in developing an open-source platform designed to embed banking services within various applications. Established in 2017 and headquartered in Cedar Falls, Iowa, Moov is focused on rebuilding banking infrastructure for a cloud-native environment, free from legacy technology constraints. The platform offers a developer-friendly approach, allowing for customization and portability across cloud providers or on-premises environments. Moov's services include ACH processing, customer accounts, KYC and OFAC compliance, wire transfers, and image cash letters. By providing a modular and decoupled banking-as-a-service solution, Moov enables organizations to integrate transactional banking capabilities seamlessly into their software, thereby enhancing user experiences and simplifying money management.

Silo Inc is a U.S.-based company that specializes in automating the perishable supply chain. It connects various stakeholders, including growers, packers, shippers, wholesalers, distributors, retailers, food service providers, processors, and third-party logistics (3PL) providers. Silo offers integrated software solutions and financing services to enhance cash flow and streamline operations. Its platform automates processes such as inventory management, orders, payments, and logistics, utilizing AI and machine learning to adapt to existing workflows and improve efficiency and transparency throughout the supply chain.

Robinhood Financial LLC is an online brokerage firm that provides commission-free trading services to self-directed investors through its mobile application and website. Established in 2012 and headquartered in Menlo Park, California, the company, previously known as Chronos Financial, LLC, rebranded in 2013. As a subsidiary of Robinhood Markets, Inc., Robinhood offers a comprehensive platform for trading stocks, options, exchange-traded funds (ETFs), and cryptocurrencies. The firm aims to democratize access to financial markets, allowing users to trade and manage their investments easily. Its innovative platform includes features such as fractional shares, recurring investments, and IPO access. Robinhood generates revenue primarily by routing user orders to market makers, facilitating transactions across various asset classes.

Uniswap Labs is a software company founded in 2018 by Hayden Adams, who created the Uniswap Protocol, a decentralized platform for swapping digital assets. The protocol has facilitated $2.75 trillion in transaction volume since its inception. Uniswap Labs focuses on developing widely used decentralized finance (DeFi) products, including a user-friendly web interface, a self-custody mobile wallet, and an API tailored for professional market participants. The platform empowers liquidity providers and traders by offering a financial marketplace that is open and accessible to all. Utilizing smart contracts, it enables secure and decentralized on-chain conversions of assets, allowing users to trade tokens directly without intermediaries while defining asset prices based on the liquidity staked in the system.

Material Security is an email security company that specializes in developing data-driven software to safeguard organizations' users and sensitive information. Established in response to significant data breaches, the company emphasizes the importance of creativity in both technological innovation and protection. Its software utilizes common tools in innovative ways to assess and mitigate risks within cloud office applications. By seamlessly integrating with identity providers, the platform enables organizations to analyze risks, detect threats, and manage incidents effectively. Material Security collaborates with a diverse range of clients, including major corporations in media, finance, technology, and public sector entities, to enhance the security and confidentiality of their operations while fostering safe collaboration among users.

Addi is a technology company specializing in credit and banking solutions, particularly through its point-of-sale lending application. This platform enables consumers to apply for credit at the moment of purchase in partner retail stores, facilitating interest-free installment payments. By offering a buy now, pay later option, Addi aims to enhance digital commerce and provide borrowers with quick and affordable financing for their shopping needs.

Alluxio, Inc. is a provider of a memory-centric distributed storage system that facilitates unified data access across various applications and underlying storage systems. Founded in 2015 and based in Berkeley, California, the company emerged from an open-source project developed at UC Berkeley's AMPLab. Alluxio's platform enhances data orchestration, enabling analytics and machine learning operations in cloud environments by relocating data closer to compute resources. This architecture supports memory-speed access to files and objects, benefiting sectors such as financial services, retail, and telecommunications. The company has established a strategic collaboration with Intel to further advance its technology and offerings.

Compound is an open-source interest rate protocol based in San Francisco, California, that facilitates the development of new financial applications for developers. Founded in 2017, it operates a decentralized finance lending platform designed to create efficient money markets through real-time asset management. The protocol, built on the Ethereum blockchain, employs a series of open-source smart contracts that algorithmically adjust interest rates based on the specific supply and demand of each asset. This enables users to access liquid, transparent, and predictable interest rates, making it a widely adopted system with thousands of users and numerous applications integrating its functionalities.

PeerStreet is a platform for investing in real estate debt. The platform represents a two-sided marketplace that provides hassle-free access to an asset class that was previously inaccessible to individual investors and connects a vetted network of private lenders with diverse sources of capital to help fuel their growth and bring lending back to their local communities. PeerStreet was founded in 2013 and is headquartered in Los Angeles, California.

Anchorage Digital is a regulated cryptocurrency platform that offers integrated financial services and infrastructure solutions tailored for institutions. Established in 2017 and headquartered in San Francisco, California, the company operates as the only federally chartered crypto bank in the United States, with an additional office in Singapore that maintains similar security and service standards. Anchorage Digital specializes in secure custody, regulatory compliance, and a variety of cryptocurrency-related services, including trading, staking, and governance. The platform emphasizes modern security engineering to ensure the safety of digital assets while facilitating streamlined participation in blockchain technology for businesses and institutions. With a valuation exceeding $3 billion, Anchorage Digital has attracted investments from prominent firms such as Andreessen Horowitz, Goldman Sachs, and Visa, among others. The company also supports a remote-friendly work environment, with additional offices located in New York, Porto, and Sioux Falls.

Tally is a consumer technology company established in 2015, focused on financial automation with a particular emphasis on credit management. The company developed an innovative platform that addresses credit card debt, helping users save money on interest and avoid unnecessary charges. Tally's services include automated tracking of credit card balances and due dates, debt management, late fee protection, and the provision of a line of credit. By simplifying and automating these financial tasks, Tally empowers individuals to manage their finances more effectively, ultimately allowing them to reduce stress related to money and focus on their personal goals.

Addi is a technology company specializing in credit and banking solutions, particularly through its point-of-sale lending application. This platform enables consumers to apply for credit at the moment of purchase in partner retail stores, facilitating interest-free installment payments. By offering a buy now, pay later option, Addi aims to enhance digital commerce and provide borrowers with quick and affordable financing for their shopping needs.

Synapse is a banking platform that allows companies to offer financial products to their customers at a lower cost than traditional banks. Founded in 2014 and headquartered in San Francisco, the company provides a range of services, including payment, deposit, lending, and investment products, all delivered through application programming interfaces (APIs). This enables fintech companies to create and launch their own financial innovations using Synapse's banking infrastructure. By facilitating collaboration among fintech firms, Synapse supports the development of advanced financial technologies, making it easier for clients to enter the market with their banking products.

Wise provides a core money transfer product, along with a borderless account for its audience of ex-pats, freelancers, and travelers, which holds over £2 billion in current deposits. The company features like automated identification verification, online and in-app technical assistance, and estimations of when money transfers will arrive, products and services that meet the needs of clients. Wise was established in 2011 by Kristo Kaarmann and Taavet Hinrikus in London, England.

SeedFi, Inc. is an online platform that provides personal loan services specifically designed for lower-income consumers living paycheck to paycheck. Founded in early 2019 and based in San Francisco with an additional office in New York, the company aims to improve financial health by offering lower-cost access to capital and facilitating credit building. SeedFi's products cater to the needs of vulnerable individuals, enabling them to achieve financial stability through better access to financial services. By focusing on the challenges faced by these consumers, SeedFi seeks to empower them with the tools necessary for saving and improving their creditworthiness, ultimately helping them secure a more stable financial future.

Branch International Inc. is a digital lending company founded in 2015 and headquartered in San Francisco, California, with additional offices in Mumbai, Nairobi, Mexico City, and Lagos. The company leverages smartphone data to assess creditworthiness, allowing consumers in emerging markets to access personal loans through its Android application. By utilizing data science, Branch aims to reduce the cost of financial services and provide fair access to banking options, particularly for the growing middle class. The platform offers a quick approval process for loans, enabling users to build credit irrespective of their banking history and navigate the barriers posed by traditional financial institutions. Branch is committed to driving meaningful growth in rapidly evolving markets and has raised over $100 million in funding from notable investors in Silicon Valley.

Anchorage Digital is a regulated cryptocurrency platform that offers integrated financial services and infrastructure solutions tailored for institutions. Established in 2017 and headquartered in San Francisco, California, the company operates as the only federally chartered crypto bank in the United States, with an additional office in Singapore that maintains similar security and service standards. Anchorage Digital specializes in secure custody, regulatory compliance, and a variety of cryptocurrency-related services, including trading, staking, and governance. The platform emphasizes modern security engineering to ensure the safety of digital assets while facilitating streamlined participation in blockchain technology for businesses and institutions. With a valuation exceeding $3 billion, Anchorage Digital has attracted investments from prominent firms such as Andreessen Horowitz, Goldman Sachs, and Visa, among others. The company also supports a remote-friendly work environment, with additional offices located in New York, Porto, and Sioux Falls.

Alluxio, Inc. is a provider of a memory-centric distributed storage system that facilitates unified data access across various applications and underlying storage systems. Founded in 2015 and based in Berkeley, California, the company emerged from an open-source project developed at UC Berkeley's AMPLab. Alluxio's platform enhances data orchestration, enabling analytics and machine learning operations in cloud environments by relocating data closer to compute resources. This architecture supports memory-speed access to files and objects, benefiting sectors such as financial services, retail, and telecommunications. The company has established a strategic collaboration with Intel to further advance its technology and offerings.

Mercury is a financial technology company that delivers online banking solutions tailored for startups and technology-focused businesses. It offers a suite of services, including business checking and savings accounts, corporate credit cards, and currency exchange options. The platform features payment processing, expense tracking, and integration capabilities with accounting software to enhance financial management. Additionally, Mercury provides API access for custom financial automation, making it easier for businesses to manage their financial operations. Catering primarily to venture-backed companies, Mercury utilizes partnerships with FDIC-insured institutions to ensure secure banking services. Its goal is to equip clients with practical financial tools and real-time insights into their business finances, thereby maximizing operational efficiency.

Earnin is a financial technology company that offers a payroll disbursement platform, allowing employees to access their earned wages in real time without incurring interest or fees. Launched in 2014, the company utilizes mobile technology to empower users by providing the flexibility to receive their pay anytime, directly from their smartphones. The platform tracks an employee's worked hours through electronic timesheets and facilitates direct deposits, enabling individuals to manage their finances more effectively and avoid late payment or overdraft fees. By breaking the traditional biweekly pay cycle, Earnin aims to enhance financial control for users, making it easier to meet their financial obligations as they arise.

Propel, Inc. is a technology company based in Brooklyn, New York, founded in 2014. It specializes in developing mobile software applications aimed at improving the financial health of low-income Americans. The company's primary product, Providers, is a free app designed for EBT cardholders, enabling them to manage their government benefits, such as SNAP and rental assistance. The app also helps users save on essential expenses and earn cash, while offering features that allow them to check their balance and organize budgets around local deals. Propel's focus is on empowering its users to better navigate financial challenges and enhance their economic well-being.

Plaid Inc. is a technology company that facilitates the connection between consumers' bank accounts and applications, aiming to democratize financial services through advanced technological solutions. Founded in 2012 and headquartered in San Francisco, it provides a comprehensive suite of APIs that enable developers to create financial products connecting users with traditional financial institutions. Plaid's offerings include tools for accessing transaction history and balance data, authenticating bank accounts for payments, verifying identities, and confirming real-time account balances and income. These products support various applications in personal finances, consumer payments, lending, banking, and business finance. With a focus on enhancing both consumer experiences and developer capabilities, Plaid serves a diverse range of clients, including Fortune 50 companies, positioning itself as a vital infrastructure provider in the digital financial landscape.

Cross River Bank, established in 2008 and headquartered in Fort Lee, New Jersey, is a subsidiary of CRB Group, Inc. It offers a range of personal and corporate banking services, including checking, savings, and deposit accounts. The bank specializes in direct lending for commercial real estate projects across the New York, New Jersey, and Connecticut metro areas. Notably, Cross River Bank combines traditional banking with innovative technologies to provide solutions for fintech companies in marketplace lending and payment processing. It focuses on regulatory compliance and consumer protection to deliver secure, API-based banking platforms and products, encompassing lending, payments, risk management, and BaaS offerings, enabling a comprehensive banking experience for its clients.

Coinbase Global, established in 2012, operates a leading cryptocurrency exchange platform in the United States. The company facilitates transactions, buying, selling, and storage of digital currencies such as Bitcoin, Ethereum, and Litecoin for both consumers and merchants. Coinbase offers a range of products including Coinbase.com, a user-friendly platform for bitcoin transactions, a global digital asset exchange, merchant tools, and custodial services. The company, headquartered in San Francisco, California, aims to provide a safe and regulation-compliant entry point into the cryptocurrency economy.

Addi is a technology company specializing in credit and banking solutions, particularly through its point-of-sale lending application. This platform enables consumers to apply for credit at the moment of purchase in partner retail stores, facilitating interest-free installment payments. By offering a buy now, pay later option, Addi aims to enhance digital commerce and provide borrowers with quick and affordable financing for their shopping needs.

Cuenca is a FinTech company based in San Francisco, California, established in 2016. It operates a mobile-based bill payment platform, enabling users to conveniently pay their mobile, electricity, water, and other bills through their smartphones. Additionally, Cuenca offers online banking services, including savings accounts with competitive interest rates and digital loan facilities, allowing users to securely deposit, borrow, and repay funds at their convenience.

Compound is an open-source interest rate protocol based in San Francisco, California, that facilitates the development of new financial applications for developers. Founded in 2017, it operates a decentralized finance lending platform designed to create efficient money markets through real-time asset management. The protocol, built on the Ethereum blockchain, employs a series of open-source smart contracts that algorithmically adjust interest rates based on the specific supply and demand of each asset. This enables users to access liquid, transparent, and predictable interest rates, making it a widely adopted system with thousands of users and numerous applications integrating its functionalities.

Harbor is reengineering private securities with blockchain technology to help usher in a new wave of tokenized securities backed by real-world assets, such as real estate, company equity, investment funds, and fine art. The Harbor platform, powered by its compliance protocol, is the first to ensure tokenized securities comply with existing securities laws on every trade, everywhere across the globe.

PeerStreet is a platform for investing in real estate debt. The platform represents a two-sided marketplace that provides hassle-free access to an asset class that was previously inaccessible to individual investors and connects a vetted network of private lenders with diverse sources of capital to help fuel their growth and bring lending back to their local communities. PeerStreet was founded in 2013 and is headquartered in Los Angeles, California.

Keep Network, established in 2017 and based in George Town, Cayman Islands, specializes in creating interactive links between public blockchains and private data. The company's core product, tBTC, is a decentralized bridge enabling users to securely and anonymously transfer their Bitcoin to the Ethereum network, facilitating participation in decentralized finance (DeFi) platforms. Keep Network's technology, an off-chain container for private data, allows smart contracts to leverage the full power of public blockchains while maintaining data privacy.