Andreessen Horowitz

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/.

Metronome is a billing infrastructure company that specializes in supporting software companies with usage-based business models. The company's platform provides metering and data mediation software, ensuring a robust data infrastructure and real-time architecture for effective billing. Metronome emphasizes rapid deployment and user-friendliness, allowing business and product teams to manage revenue and pricing with minimal engineering effort. After integrating the platform, teams can swiftly introduce new products and pricing structures, streamline revenue workflows, and offer customers immediate visibility into their spending. This flexibility enables companies to efficiently launch, iterate, and scale their operations.

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.

Instabase, Inc. is a technology company based in San Francisco, California, founded in 2015. It specializes in developing a platform that automates document processing workflows and analyzes unstructured data. The platform integrates various capabilities, including optical character recognition, data classification and extraction, and natural language processing, allowing organizations across sectors such as insurance, finance, and healthcare to streamline operations and improve decision-making. Additionally, Instabase provides a developer kit that enables the creation of customized business applications, helping institutions embed artificial intelligence into their systems and processes. Through its innovative solutions, Instabase aims to address significant business challenges and facilitate transformational outcomes for its clients.

Concourse develops an AI-powered platform aimed at enhancing corporate finance operations. The platform functions as an AI analyst, designed specifically for finance teams, to assist with daily tasks by automating manual processes and providing actionable insights. With its natural language interface and seamless integration into existing financial systems, the platform allows finance professionals to efficiently retrieve and analyze data, generate reports, and answer ad-hoc queries. Additionally, Concourse can be deployed in more complex finance workflows, taking on specific projects to streamline operations. The company also focuses on treasury management services, facilitating cross-border money movement and offering tools for better liquidity management and cash flow optimization. By leveraging Concourse’s technology, finance teams can reduce manual workloads and enhance their overall efficiency.

Stoïk is a cyber insurance company that integrates cybersecurity software with insurance protection, helping businesses manage their cyber risks effectively. Stoïk empowers brokers by offering clients comprehensive insurance policies and protection against cyber risks. Its mission is to equip brokers with the tools to help their clients insure and safeguard against cyber threats. Stoïk's unique product simplifies the underwriting process using automated tests, replacing traditional questionnaires. It also provides continuous risk prevention through integrated cybersecurity tools and ensures swift, effective incident response with an in-house team of crisis management experts.

ModernFi operates a deposit network designed to assist financial institutions in managing and expanding their deposit base. The company offers solutions that enable institutions to sweep funds, source deposits, and provide extended insurance to their depositors through partner institutions. By focusing on attracting and retaining large-value depositors, ModernFi aims to enhance growth and improve balance sheet stability for its clients.

XAI is a technology company specializing in artificial intelligence. It creates and deploys AI solutions, primarily using machine learning, to enhance data analysis and decision-making processes. XAI caters to the finance, healthcare, and logistics sectors, aiming to improve accuracy and efficiency in these industries.

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.

Yuno is a company that provides payment infrastructure technology, allowing businesses to accept a wide range of payment methods and manage fraud through a single integration. Its platform enhances the checkout experience and facilitates the addition of new payment methods with ease. By intelligently routing transactions to the most suitable processors and retrying declined payments, Yuno helps increase revenue for enterprises. Additionally, the company offers a user interface that supports transaction orchestration and reconciliation, enabling businesses to effectively manage all payment methods and fraud providers. Overall, Yuno aims to streamline the payment process and improve customer satisfaction.

Metronome is a billing infrastructure company that specializes in supporting software companies with usage-based business models. The company's platform provides metering and data mediation software, ensuring a robust data infrastructure and real-time architecture for effective billing. Metronome emphasizes rapid deployment and user-friendliness, allowing business and product teams to manage revenue and pricing with minimal engineering effort. After integrating the platform, teams can swiftly introduce new products and pricing structures, streamline revenue workflows, and offer customers immediate visibility into their spending. This flexibility enables companies to efficiently launch, iterate, and scale their operations.

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/.

ModernFi operates a deposit network designed to assist financial institutions in managing and expanding their deposit base. The company offers solutions that enable institutions to sweep funds, source deposits, and provide extended insurance to their depositors through partner institutions. By focusing on attracting and retaining large-value depositors, ModernFi aims to enhance growth and improve balance sheet stability for its clients.

Stoïk is a cyber insurance company that integrates cybersecurity software with insurance protection, helping businesses manage their cyber risks effectively. Stoïk empowers brokers by offering clients comprehensive insurance policies and protection against cyber risks. Its mission is to equip brokers with the tools to help their clients insure and safeguard against cyber threats. Stoïk's unique product simplifies the underwriting process using automated tests, replacing traditional questionnaires. It also provides continuous risk prevention through integrated cybersecurity tools and ensures swift, effective incident response with an in-house team of crisis management experts.

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.

Niftmint is a technology company specializing in Non-Fungible Token (NFT) commerce infrastructure. It streamlines the process for brands and organizations to offer NFTs directly on their own channels, providing a seamless customer experience. Niftmint handles all crypto and wallet management, enabling customers to purchase NFTs using credit cards, with Niftmint facilitating the minting and custody processes. The platform integrates with existing commerce platforms, eliminating the need for customers to navigate third-party crypto environments.

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.

Instabase, Inc. is a technology company based in San Francisco, California, founded in 2015. It specializes in developing a platform that automates document processing workflows and analyzes unstructured data. The platform integrates various capabilities, including optical character recognition, data classification and extraction, and natural language processing, allowing organizations across sectors such as insurance, finance, and healthcare to streamline operations and improve decision-making. Additionally, Instabase provides a developer kit that enables the creation of customized business applications, helping institutions embed artificial intelligence into their systems and processes. Through its innovative solutions, Instabase aims to address significant business challenges and facilitate transformational outcomes for its clients.

Wingspan is a cloud-based financial management platform tailored for freelancers, helping them efficiently manage their income, benefits, and taxes. The platform simplifies the invoicing process, enhancing the ease of receiving payments. It automates bookkeeping and expense tracking, allowing users to focus on their work rather than financial details. Additionally, Wingspan identifies potential tax deductions, further supporting freelancers in optimizing their financial outcomes.

Stripe is a technology company that develops APIs and tools for businesses to accept and manage online payments. It offers a range of products, including Payments, Subscriptions, Connect, Sigma, and Atlas, catering to various industries such as e-commerce, B2B platforms, and non-profits. Stripe also provides fraud detection tools like Radar and user interface components for custom payment forms with Stripe Elements. It supports international debit/credit cards and serves businesses in the U.S., Canada, Europe, and other regions. Additionally, Stripe Capital offers financing options based on payment history, with automatic repayment adjustments based on daily sales.

ModernFi operates a deposit network designed to assist financial institutions in managing and expanding their deposit base. The company offers solutions that enable institutions to sweep funds, source deposits, and provide extended insurance to their depositors through partner institutions. By focusing on attracting and retaining large-value depositors, ModernFi aims to enhance growth and improve balance sheet stability for its clients.

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.

Carry1st is a mobile games publisher focused on social games and interactive content, primarily in frontier markets like Africa. Founded in 2018 by Cordel Robbin-Coker, Lucy Hoffman, and Tino Mundangepfupfu, the company has assembled a diverse team of 29 professionals from 14 countries, drawing talent from notable organizations such as Carlyle, King, and Jumia. Carry1st offers a comprehensive platform for game developers that includes publishing, distribution, localization, user acquisition, marketing, customer experience, and monetization services. This approach enables developers to collaborate with global content owners and tap into previously underserved markets. The company has successfully raised over $10 million in funding, including a recent $7 million Series A led by prominent investors such as Riot Games and Konvoy Ventures. The funds will be utilized to enhance its existing game portfolio, foster new partnerships with international gaming studios, and expand its workforce.

Runway Financial, Inc. is a company based in Brisbane, California, that specializes in developing SaaS-based financial software aimed at transforming how businesses present and understand their financial data. The company's strategic planning platform offers a modern design and engineering approach, enabling teams to create financial models, evaluate performance, and align their objectives. By integrating data from various sources such as HR and accounting, Runway Financial provides a comprehensive solution that fosters collaboration among teams. This unified approach allows businesses to gain clarity and insight into their operations, ultimately facilitating quicker and more informed decision-making.

Brightside is a financial health company that offers an employer-based platform focused on improving the financial well-being of workers, particularly those living paycheck to paycheck. The platform addresses challenges faced by front-line workers, such as high turnover, healthcare costs, and productivity issues. Brightside provides tailored financial solutions supported by technology-driven financial assistants and a comprehensive app. This approach personalizes services to meet the individual needs of employees and their families, promoting better financial decision-making through behavioral science. By streamlining access to curated financial products, Brightside aims to enhance employee productivity and retention while contributing to a more diverse and equitable workplace.

Anzen specializes in underwriting and brokering various types of Executive, Cyber, and Professional Liability insurance, including D&O, EPL, Cyber, Fiduciary, Crime, Tech E&O, and E&O. By leveraging artificial intelligence, Anzen streamlines the insurance process, allowing submissions to be made through a simple email or a brief digital application. The platform connects thousands of brokers to a marketplace of leading insurance carriers, facilitating competitive coverage placements and efficient transactions. Anzen's services cater to a range of businesses, from small to mid-market private companies, helping them identify and mitigate risks. Additionally, the company provides integrated tools with human resources systems and incident response services, enabling organizations to manage operational risks and liabilities effectively.

Operator of a financial application platform intended to optimize financial management. The company's platform helps small entrepreneurs in strategic planning, organizing, directing, and controlling financial undertakings in an organization, enabling businesses to ensure long-term enterprise sustainability.

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.

Navan is a company that specializes in corporate travel management, expense management, and corporate card solutions aimed at automating manual processes and enhancing spend visibility. By leveraging advanced technologies such as artificial intelligence and cloud computing, Navan offers a modern platform that prioritizes traveler safety while controlling costs. The company focuses on providing seamless travel booking and itinerary management, ensuring that businesses can manage their travel needs effectively and efficiently. Through its innovative approach, Navan aims to transform the traditional travel and expense management landscape by delivering high-quality service and actionable real-time data to its clients.

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.

At Lead Bank, we believe experience is everything. Our executive team, composed of fintech leaders, local banking experts with strong community ties, and senior financial and marketing executives, has extensive experience driving fintech innovation and navigating complex banking regulations. When we say extensive, we mean it: we successfully built one of only a few de-novo banks in the US in the last two decades. This work inspired us to create a technology platform capable of enabling financial services not just for one company, but for everyone. We’ve worked for years to make this belief a reality, forging a unique blend of talent and culture that combines regulatory expertise with modern technology. Our new Partner Platform provides fintechs and other companies with a seamless, flexible, and secure foundation to create and scale new financial solutions tailored to their customers’ needs. Today, our mission is to define what’s possible in banking. While we remain committed to Kansas City, we’re dedicated to supporting builders and innovators everywhere with our combination of industry-leading expertise and reliable, resilient technology.

Stoïk is a cyber insurance company that integrates cybersecurity software with insurance protection, helping businesses manage their cyber risks effectively. Stoïk empowers brokers by offering clients comprehensive insurance policies and protection against cyber risks. Its mission is to equip brokers with the tools to help their clients insure and safeguard against cyber threats. Stoïk's unique product simplifies the underwriting process using automated tests, replacing traditional questionnaires. It also provides continuous risk prevention through integrated cybersecurity tools and ensures swift, effective incident response with an in-house team of crisis management experts.

Pave, Inc. is a compensation management platform that provides companies with tools to effectively plan and communicate employee wages. Founded in 2012 and based in New York, Pave offers an integrated solution that connects with existing payroll systems to verify critical details such as past performance, equity vesting status, and compensation benchmarks. This functionality streamlines the salary planning process, allowing businesses to enhance their total rewards programs and address employee uncertainties regarding compensation. Pave's platform is utilized by a variety of notable companies to ensure that their compensation decisions are informed and equitable.

Keep Financial is a developer of a compensation platform that focuses on aligning employee compensation with business objectives and performance. The company offers custom vesting cash plans that provide employees with usable capital upfront, allowing organizations to attract and retain top talent while enhancing overall satisfaction and productivity. Each vesting milestone is tailored to individual employees, with payments treated as earned income, which helps clients improve retention rates and achieve their business goals. Through its innovative approach, Keep Financial aims to streamline the creation and management of hiring and retention packages, ultimately benefiting both employees and employers.

Deel, Inc., also known as Lets Deel, Inc., is a payroll and compliance platform that simplifies the hiring and management of global remote contractors. Founded in 2017 and headquartered in San Francisco, California, the company offers an integrated platform that combines contracts, payments, and tax compliance into a single interface. This allows businesses to efficiently manage the complexities of hiring international employees while ensuring adherence to local regulations. Deel's services include automated payment processing, invoicing, customer support, and insurance products related to employment. The platform is designed to enhance the experience for both organizations and contractors, streamlining the onboarding process and facilitating seamless payroll operations worldwide.

Point is a home equity investment platform that provides homeowners with an innovative way to unlock the wealth tied up in their properties. By allowing homeowners to sell small fractions of their home equity to investors, Point enables them to access funds without incurring additional debt. The platform employs a combination of on-site appraisals, third-party automated valuation models, and proprietary pricing algorithms to accurately determine property values and the potential investment amounts. This approach offers homeowners a new avenue to diversify their financial assets and achieve greater financial freedom.

Capitolis Inc. is a financial technology company that provides an online software-as-a-service platform designed for banks and financial institutions. Founded in 2016 and headquartered in New York, with additional offices in London and Tel Aviv, Capitolis focuses on enhancing the efficiency and safety of capital markets. Its platform allows financial institutions to optimize their balance sheets and improve liquidity by facilitating the rapid sourcing of capital for trades from other institutions with substantial balance sheets. By connecting global banks with institutional investors, Capitolis enables access to diversified capital and investment opportunities, ultimately transforming the efficiency of market participants and supporting their growth objectives.

Flexport, established in 2013, is a San Francisco-based company specializing in global freight forwarding and customs brokerage services. It offers an online platform that simplifies and streamlines international trade for businesses. Flexport's services include customs clearance, freight transportation by ocean, air, and road, along with value-added services such as cargo insurance, warehousing, and trade finance. The company's user-friendly dashboard enables clients to understand, purchase, manage, and track these services in real-time, optimizing their supply chain and logistics operations.

Prologue is a holding company that focuses on technology investments and media brands. It specializes in providing financial support to early-stage startups, helping entrepreneurs develop and expand their businesses. By leveraging its expertise in both technology and media, Prologue aims to foster innovation and growth within its portfolio, contributing to the success of its investments.

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.

PleasrDAO is a blockchain-aligned collective comprised of a group of crypto investors who collaborate to acquire high-value non-fungible tokens (NFTs). The organization focuses on purchasing iconic digital assets and exploring innovative concepts, such as fractionalizing these significant pieces. By doing so, PleasrDAO aims to make ownership of expensive NFTs more accessible to a wider audience, allowing community members to participate in the ownership of notable digital items.

Forte is building economic technology for games that is secure, easy to use, and fully compliant. Its end-to-end blockchain platform enables the emergence of community economics, a system where the interests of game developers and players are aligned, leading to healthier, sustainable game communities. The team is composed of longtime industry members (Unity, ngmoco, Riot Games, Electronic Arts, Sony, and Rockstar Games, among others), and is currently working with over 25 acclaimed game developers from across the globe to reimagine the economics of games.

Deel, Inc., also known as Lets Deel, Inc., is a payroll and compliance platform that simplifies the hiring and management of global remote contractors. Founded in 2017 and headquartered in San Francisco, California, the company offers an integrated platform that combines contracts, payments, and tax compliance into a single interface. This allows businesses to efficiently manage the complexities of hiring international employees while ensuring adherence to local regulations. Deel's services include automated payment processing, invoicing, customer support, and insurance products related to employment. The platform is designed to enhance the experience for both organizations and contractors, streamlining the onboarding process and facilitating seamless payroll operations worldwide.

Navan is a company that specializes in corporate travel management, expense management, and corporate card solutions aimed at automating manual processes and enhancing spend visibility. By leveraging advanced technologies such as artificial intelligence and cloud computing, Navan offers a modern platform that prioritizes traveler safety while controlling costs. The company focuses on providing seamless travel booking and itinerary management, ensuring that businesses can manage their travel needs effectively and efficiently. Through its innovative approach, Navan aims to transform the traditional travel and expense management landscape by delivering high-quality service and actionable real-time data to its clients.

Angle Protocol focus on offering stablecoins pegged to currencies like the euro as an alternative to dollar-centric tokens.

Pave, Inc. is a compensation management platform that provides companies with tools to effectively plan and communicate employee wages. Founded in 2012 and based in New York, Pave offers an integrated solution that connects with existing payroll systems to verify critical details such as past performance, equity vesting status, and compensation benchmarks. This functionality streamlines the salary planning process, allowing businesses to enhance their total rewards programs and address employee uncertainties regarding compensation. Pave's platform is utilized by a variety of notable companies to ensure that their compensation decisions are informed and equitable.

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.

Titan is an investment platform designed for ambitious individuals, founded in New York in 2018 by Clayton Gardner, Joe Percoco, and Max Bernardy. The company aims to empower everyday investors by providing access to actively managed investment strategies through its mobile-first platform. Titan offers a suite of tools that facilitate investment decisions, ensuring high returns while prioritizing user privacy through encryption of personal information. The platform has garnered support from notable investors and celebrities, enhancing its credibility and reach in the investment community.

Forte is building economic technology for games that is secure, easy to use, and fully compliant. Its end-to-end blockchain platform enables the emergence of community economics, a system where the interests of game developers and players are aligned, leading to healthier, sustainable game communities. The team is composed of longtime industry members (Unity, ngmoco, Riot Games, Electronic Arts, Sony, and Rockstar Games, among others), and is currently working with over 25 acclaimed game developers from across the globe to reimagine the economics of games.

Deel, Inc., also known as Lets Deel, Inc., is a payroll and compliance platform that simplifies the hiring and management of global remote contractors. Founded in 2017 and headquartered in San Francisco, California, the company offers an integrated platform that combines contracts, payments, and tax compliance into a single interface. This allows businesses to efficiently manage the complexities of hiring international employees while ensuring adherence to local regulations. Deel's services include automated payment processing, invoicing, customer support, and insurance products related to employment. The platform is designed to enhance the experience for both organizations and contractors, streamlining the onboarding process and facilitating seamless payroll operations worldwide.

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.

Capitolis Inc. is a financial technology company that provides an online software-as-a-service platform designed for banks and financial institutions. Founded in 2016 and headquartered in New York, with additional offices in London and Tel Aviv, Capitolis focuses on enhancing the efficiency and safety of capital markets. Its platform allows financial institutions to optimize their balance sheets and improve liquidity by facilitating the rapid sourcing of capital for trades from other institutions with substantial balance sheets. By connecting global banks with institutional investors, Capitolis enables access to diversified capital and investment opportunities, ultimately transforming the efficiency of market participants and supporting their growth objectives.

AKASA is a leading developer of AI-powered automation solutions tailored for the healthcare revenue cycle. The company focuses on enhancing complex workflows, which allows healthcare providers to improve revenue outcomes and operational efficiency. By automating tasks such as prior authorization and claims processing, AKASA addresses time-consuming challenges that were previously difficult to resolve at scale. Their technology leverages advanced AI and machine learning to streamline revenue cycle management, resulting in significant performance improvements. Clients have reported a 13% reduction in accounts receivable days, an 86% increase in efficiency, and the saving of over 300 hours of staff time each month. With a commitment to data security and measurable results, AKASA has garnered substantial investment to advance its mission of simplifying the financial aspects of healthcare.

Fei Labs is focused on developing open-source decentralized applications, primarily through the creation of a scalable stablecoin. This stablecoin aims to address challenges posed by whale activity in existing dollar-pegged products, promoting a more equitable financial ecosystem. The platform employs a novel stablecoin mechanism that ensures capital efficiency, fair distribution, and full decentralization. By doing so, it enables users to utilize the stablecoin in maintaining liquid secondary markets, thus enhancing the overall functionality and accessibility of decentralized finance solutions.

Celo is an open platform that makes financial tools accessible to anyone with a mobile phone. Its mission is to build a monetary system that creates the conditions of prosperity for all. The Celo ecosystem includes a decentralized, proof-of-stake blockchain technology stack (Celo Platform), a native asset (CELO), a stablecoin (cUSD) and the Celo Alliance for Prosperity, with over 100 organizations around the world, including Andreesen Horowitz, Anchorage, Coinbase, GSMA, Mercy Corps, Grameen Foundation, Prosegur, Abra, and cLabs, a service organization dedicated to growing and developing the Celo ecosystem.

Stir Money, Inc., established in 2019 and based in San Francisco, California, operates within the technology sector by providing a platform tailored for digital creators. This platform allows users to manage multiple revenue streams, organize analytics, and facilitate fund sharing with collaborators. Stir's software is designed to help creators streamline their financial management, offering an overview of their income and assisting in the optimization of financial resources. By simplifying these processes, Stir enables artists and performers to concentrate on content creation and growth, enhancing their ability to thrive in a competitive digital landscape.

dYdX is a decentralized exchange that provides traders with a secure and efficient platform for various financial activities. Established in 2017 by Antonio Juliano, a former engineer at Coinbase and Uber, dYdX operates on audited smart contracts on Ethereum, ensuring transparency and security without relying on a central authority. The platform offers a range of trading options, including perpetual, margin, and spot trading, along with borrowing and lending pools. Users can earn interest on deposits or take loans at nominal fees, enabling them to trade on margin with customized leverage. dYdX aims to create an open financial system, granting users access to vital financial tools while facilitating fully collateralized loans for short-selling.

Navan is a company that specializes in corporate travel management, expense management, and corporate card solutions aimed at automating manual processes and enhancing spend visibility. By leveraging advanced technologies such as artificial intelligence and cloud computing, Navan offers a modern platform that prioritizes traveler safety while controlling costs. The company focuses on providing seamless travel booking and itinerary management, ensuring that businesses can manage their travel needs effectively and efficiently. Through its innovative approach, Navan aims to transform the traditional travel and expense management landscape by delivering high-quality service and actionable real-time data to its clients.

Pave, Inc. is a compensation management platform that provides companies with tools to effectively plan and communicate employee wages. Founded in 2012 and based in New York, Pave offers an integrated solution that connects with existing payroll systems to verify critical details such as past performance, equity vesting status, and compensation benchmarks. This functionality streamlines the salary planning process, allowing businesses to enhance their total rewards programs and address employee uncertainties regarding compensation. Pave's platform is utilized by a variety of notable companies to ensure that their compensation decisions are informed and equitable.

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.

Yellow Card is a financial technology company that operates an online cryptocurrency trading platform, facilitating secure and cost-effective transactions across Africa. It specializes in providing on/off ramp services for stablecoins like USDT, USDC, and PYUSD, enabling users to buy and sell these coins using their local currencies. The company partners with local merchants and vendors to sell vouchers that can be redeemed for cryptocurrency, simplifying the money transfer process and promoting e-commerce participation. As of 2021, Yellow Card has facilitated over US$3 billion in transactions across 20 African countries, operating in the United States, Nigeria, Tanzania, Cameroon, Kenya, and South Africa.

Brightside is a financial health company that offers an employer-based platform focused on improving the financial well-being of workers, particularly those living paycheck to paycheck. The platform addresses challenges faced by front-line workers, such as high turnover, healthcare costs, and productivity issues. Brightside provides tailored financial solutions supported by technology-driven financial assistants and a comprehensive app. This approach personalizes services to meet the individual needs of employees and their families, promoting better financial decision-making through behavioral science. By streamlining access to curated financial products, Brightside aims to enhance employee productivity and retention while contributing to a more diverse and equitable workplace.

AKASA is a leading developer of AI-powered automation solutions tailored for the healthcare revenue cycle. The company focuses on enhancing complex workflows, which allows healthcare providers to improve revenue outcomes and operational efficiency. By automating tasks such as prior authorization and claims processing, AKASA addresses time-consuming challenges that were previously difficult to resolve at scale. Their technology leverages advanced AI and machine learning to streamline revenue cycle management, resulting in significant performance improvements. Clients have reported a 13% reduction in accounts receivable days, an 86% increase in efficiency, and the saving of over 300 hours of staff time each month. With a commitment to data security and measurable results, AKASA has garnered substantial investment to advance its mission of simplifying the financial aspects of healthcare.

Runway Financial, Inc. is a company based in Brisbane, California, that specializes in developing SaaS-based financial software aimed at transforming how businesses present and understand their financial data. The company's strategic planning platform offers a modern design and engineering approach, enabling teams to create financial models, evaluate performance, and align their objectives. By integrating data from various sources such as HR and accounting, Runway Financial provides a comprehensive solution that fosters collaboration among teams. This unified approach allows businesses to gain clarity and insight into their operations, ultimately facilitating quicker and more informed decision-making.

Deel, Inc., also known as Lets Deel, Inc., is a payroll and compliance platform that simplifies the hiring and management of global remote contractors. Founded in 2017 and headquartered in San Francisco, California, the company offers an integrated platform that combines contracts, payments, and tax compliance into a single interface. This allows businesses to efficiently manage the complexities of hiring international employees while ensuring adherence to local regulations. Deel's services include automated payment processing, invoicing, customer support, and insurance products related to employment. The platform is designed to enhance the experience for both organizations and contractors, streamlining the onboarding process and facilitating seamless payroll operations worldwide.

Stripe is a technology company that develops APIs and tools for businesses to accept and manage online payments. It offers a range of products, including Payments, Subscriptions, Connect, Sigma, and Atlas, catering to various industries such as e-commerce, B2B platforms, and non-profits. Stripe also provides fraud detection tools like Radar and user interface components for custom payment forms with Stripe Elements. It supports international debit/credit cards and serves businesses in the U.S., Canada, Europe, and other regions. Additionally, Stripe Capital offers financing options based on payment history, with automatic repayment adjustments based on daily sales.

Buck Stash is a venture capital firm that specializes in seed, early, mid, and late stage investments. It prefers to invest in the social media business and technology sector, with a focus on software, back-end infrastructure, Internet infrastructure, cloud computing, enterprise software and services, consumer, business Internet, mobile Internet, consumer Internet, cloud computing, data-storage, social network browsers data-storage, consumer electronics, networking functions, software related biology, biotech, and medicine companies at the intersection of computer science and medicine

Instabase, Inc. is a technology company based in San Francisco, California, founded in 2015. It specializes in developing a platform that automates document processing workflows and analyzes unstructured data. The platform integrates various capabilities, including optical character recognition, data classification and extraction, and natural language processing, allowing organizations across sectors such as insurance, finance, and healthcare to streamline operations and improve decision-making. Additionally, Instabase provides a developer kit that enables the creation of customized business applications, helping institutions embed artificial intelligence into their systems and processes. Through its innovative solutions, Instabase aims to address significant business challenges and facilitate transformational outcomes for its clients.

Stripe is a technology company that develops APIs and tools for businesses to accept and manage online payments. It offers a range of products, including Payments, Subscriptions, Connect, Sigma, and Atlas, catering to various industries such as e-commerce, B2B platforms, and non-profits. Stripe also provides fraud detection tools like Radar and user interface components for custom payment forms with Stripe Elements. It supports international debit/credit cards and serves businesses in the U.S., Canada, Europe, and other regions. Additionally, Stripe Capital offers financing options based on payment history, with automatic repayment adjustments based on daily sales.

The Long-Term Stock Exchange (LTSE) is a national securities exchange regulated by the SEC, established to foster alignment between companies and long-term investors with an emphasis on value creation. Founded in 2015 and headquartered in San Francisco, LTSE aims to reverse the decline in the number of public companies in the United States by offering a new venue for listings that prioritizes long-term growth and sustainability. The organization has assembled a team of experts in finance, regulation, law, and technology, strategically located in New York, San Francisco, and Washington, D.C. Through its innovative approach, LTSE seeks to enhance the experience for public companies and investors, ultimately promoting a healthier financial ecosystem focused on enduring value.

Navan is a company that specializes in corporate travel management, expense management, and corporate card solutions aimed at automating manual processes and enhancing spend visibility. By leveraging advanced technologies such as artificial intelligence and cloud computing, Navan offers a modern platform that prioritizes traveler safety while controlling costs. The company focuses on providing seamless travel booking and itinerary management, ensuring that businesses can manage their travel needs effectively and efficiently. Through its innovative approach, Navan aims to transform the traditional travel and expense management landscape by delivering high-quality service and actionable real-time data to its clients.

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.

Point is a home equity investment platform that provides homeowners with an innovative way to unlock the wealth tied up in their properties. By allowing homeowners to sell small fractions of their home equity to investors, Point enables them to access funds without incurring additional debt. The platform employs a combination of on-site appraisals, third-party automated valuation models, and proprietary pricing algorithms to accurately determine property values and the potential investment amounts. This approach offers homeowners a new avenue to diversify their financial assets and achieve greater financial freedom.

Forte is building economic technology for games that is secure, easy to use, and fully compliant. Its end-to-end blockchain platform enables the emergence of community economics, a system where the interests of game developers and players are aligned, leading to healthier, sustainable game communities. The team is composed of longtime industry members (Unity, ngmoco, Riot Games, Electronic Arts, Sony, and Rockstar Games, among others), and is currently working with over 25 acclaimed game developers from across the globe to reimagine the economics of games.

Ava Labs is focused on simplifying the launch of financial applications through blockchain technology. The company offers a smart contracts platform that allows users to create customizable public and private blockchains, facilitating the development of various digital assets. Its innovative probabilistic consensus protocol enhances transaction speed while minimizing costs associated with capital deployment. This approach aims to redefine value creation within the Web3 ecosystem, promoting a more accessible and democratic internet of finance. By providing tools that streamline the creation, trading, and discovery of diverse asset types, Ava Labs empowers individuals and organizations to leverage blockchain for their financial needs.

AKASA is a leading developer of AI-powered automation solutions tailored for the healthcare revenue cycle. The company focuses on enhancing complex workflows, which allows healthcare providers to improve revenue outcomes and operational efficiency. By automating tasks such as prior authorization and claims processing, AKASA addresses time-consuming challenges that were previously difficult to resolve at scale. Their technology leverages advanced AI and machine learning to streamline revenue cycle management, resulting in significant performance improvements. Clients have reported a 13% reduction in accounts receivable days, an 86% increase in efficiency, and the saving of over 300 hours of staff time each month. With a commitment to data security and measurable results, AKASA has garnered substantial investment to advance its mission of simplifying the financial aspects of healthcare.

Navan is a company that specializes in corporate travel management, expense management, and corporate card solutions aimed at automating manual processes and enhancing spend visibility. By leveraging advanced technologies such as artificial intelligence and cloud computing, Navan offers a modern platform that prioritizes traveler safety while controlling costs. The company focuses on providing seamless travel booking and itinerary management, ensuring that businesses can manage their travel needs effectively and efficiently. Through its innovative approach, Navan aims to transform the traditional travel and expense management landscape by delivering high-quality service and actionable real-time data to its clients.

Stripe is a technology company that develops APIs and tools for businesses to accept and manage online payments. It offers a range of products, including Payments, Subscriptions, Connect, Sigma, and Atlas, catering to various industries such as e-commerce, B2B platforms, and non-profits. Stripe also provides fraud detection tools like Radar and user interface components for custom payment forms with Stripe Elements. It supports international debit/credit cards and serves businesses in the U.S., Canada, Europe, and other regions. Additionally, Stripe Capital offers financing options based on payment history, with automatic repayment adjustments based on daily sales.

MakerDAO is a decentralized autonomous organization that operates on the Ethereum blockchain, specializing in the development of a stablecoin known as Dai. Founded in 2014 and headquartered in Santa Cruz, California, with additional offices in Copenhagen, Denmark, MakerDAO aims to minimize the price volatility of Dai by utilizing collateralized debt positions and autonomous feedback mechanisms. The company enables users to access a low-volatility, collateral-backed cryptocurrency, promoting financial inclusion and stability. In addition to Dai, MakerDAO has introduced MKR, a token that serves multiple purposes within its ecosystem, including governance and system recapitalization. Through its innovative approach, MakerDAO seeks to provide a decentralized digital currency that maintains its purchasing power, making financial services accessible to users worldwide.

DFINITY is a foundation based in Zurich, Switzerland, focused on developing and providing innovative internet services and software solutions. It is primarily known for the Internet Computer, a secure and tamperproof open cloud platform that allows users to build and host new systems and services. The foundation also offers the DFINITY Canister software development kit, which facilitates the creation of software systems that operate on the Internet Computer. Additionally, DFINITY is instrumental in the development of the Internet Computer Protocol, enabling independent data centers to collaborate and provide serverless cloud functionality while ensuring network security. Its vision includes democratizing application development through AI-driven tools, promoting a decentralized internet where users can easily create and manage web applications without extensive technical skills. Established in 2016, DFINITY operates research centers in multiple locations, including Palo Alto and Shanghai, reflecting its commitment to advancing the next-generation blockchain network and ecosystem.

Backed by capital from Andreessen Horowitz, Y Combinator, and QED, OpenInvest was founded in 2015 with a core focus on helping advisors unlock the true impact of their clients’ investments. On June 29, 2021, J.P. Morgan announced that it has entered into a definitive agreement to acquire OpenInvest. OpenInvest will retain its own brand and be integrated into J.P. Morgan’s Private Bank and Wealth Management client offerings

DFINITY is a foundation based in Zurich, Switzerland, focused on developing and providing innovative internet services and software solutions. It is primarily known for the Internet Computer, a secure and tamperproof open cloud platform that allows users to build and host new systems and services. The foundation also offers the DFINITY Canister software development kit, which facilitates the creation of software systems that operate on the Internet Computer. Additionally, DFINITY is instrumental in the development of the Internet Computer Protocol, enabling independent data centers to collaborate and provide serverless cloud functionality while ensuring network security. Its vision includes democratizing application development through AI-driven tools, promoting a decentralized internet where users can easily create and manage web applications without extensive technical skills. Established in 2016, DFINITY operates research centers in multiple locations, including Palo Alto and Shanghai, reflecting its commitment to advancing the next-generation blockchain network and ecosystem.

BlockTower Capital is a cryptocurrency and blockchain investment firm that focuses on trading, investing, and portfolio management within the digital asset sector. The company has developed a platform designed to assist clients in navigating the complexities of cryptoassets, offering services that encompass cryptography, game theory, network and behavioral economics, competitive strategy, and computer science. By leveraging these disciplines, BlockTower aims to provide clients with the tools necessary for effective trading and investment in digital currencies, facilitating a more comfortable and informed approach to engaging with this emerging market.

MakerDAO is a decentralized autonomous organization that operates on the Ethereum blockchain, specializing in the development of a stablecoin known as Dai. Founded in 2014 and headquartered in Santa Cruz, California, with additional offices in Copenhagen, Denmark, MakerDAO aims to minimize the price volatility of Dai by utilizing collateralized debt positions and autonomous feedback mechanisms. The company enables users to access a low-volatility, collateral-backed cryptocurrency, promoting financial inclusion and stability. In addition to Dai, MakerDAO has introduced MKR, a token that serves multiple purposes within its ecosystem, including governance and system recapitalization. Through its innovative approach, MakerDAO seeks to provide a decentralized digital currency that maintains its purchasing power, making financial services accessible to users worldwide.

Jopwell, Inc. is a career platform based in New York that connects Black, Latino/Hispanic, and Native American professionals and students with job opportunities across various industries, including technology, finance, and education. Founded in 2015 by former Goldman Sachs employees Porter Braswell and Ryan Williams, Jopwell aims to empower candidates and companies by providing a diverse pipeline of talent. The platform facilitates the recruitment process for partner companies, enabling them to access underrepresented candidates at various career stages, from internships to experienced hires. Jopwell's mission focuses on leveraging technology to enhance access to professional opportunities and promote diversity in the workforce. The company has gained recognition for its innovative approach, being featured in publications such as Inc. and Fast Company.

MetaStable operates a cryptocurrency asset hedge fund focused on increasing investments in digital currency. The firm utilizes technology to provide a concentrated portfolio of crypto assets that have the potential to become long-term winners across diverse use cases. This approach enables clients to effectively manage various crypto asset hedge funds, positioning MetaStable as a key player in the evolving landscape of digital finance.

Instabase, Inc. is a technology company based in San Francisco, California, founded in 2015. It specializes in developing a platform that automates document processing workflows and analyzes unstructured data. The platform integrates various capabilities, including optical character recognition, data classification and extraction, and natural language processing, allowing organizations across sectors such as insurance, finance, and healthcare to streamline operations and improve decision-making. Additionally, Instabase provides a developer kit that enables the creation of customized business applications, helping institutions embed artificial intelligence into their systems and processes. Through its innovative solutions, Instabase aims to address significant business challenges and facilitate transformational outcomes for its clients.

Backed by capital from Andreessen Horowitz, Y Combinator, and QED, OpenInvest was founded in 2015 with a core focus on helping advisors unlock the true impact of their clients’ investments. On June 29, 2021, J.P. Morgan announced that it has entered into a definitive agreement to acquire OpenInvest. OpenInvest will retain its own brand and be integrated into J.P. Morgan’s Private Bank and Wealth Management client offerings

Improbable, founded in 2012 by Herman Narula and Rob Whitehead in London, specializes in creating powerful technology for solving complex problems and generating new realities. The company's core product, SpatialOS, is a cloud-based platform that enables game developers to build AI-powered simulated worlds of unprecedented scale and richness. By allowing swarms of servers to cooperate, SpatialOS transcends the limitations of single-server computation, facilitating the creation of persistent, large-scale virtual worlds. Beyond gaming, Improbable aims to apply its technology to other industries, helping to simulate and understand complex systems for positive social and economic impact.

Polychain Capital, founded in 2016 and based in San Francisco, is a venture capital firm that focuses on investing in blockchain technologies and digital assets. The firm is dedicated to advancing the global adoption of cryptocurrencies by actively managing portfolios that include various blockchain-based protocols and companies. As a Registered Investment Adviser, Polychain Capital aims to generate exceptional returns for its investors by leveraging the unique properties of digital assets, which are created and transmitted through cryptographic verification and game-theoretic principles.

Point is a home equity investment platform that provides homeowners with an innovative way to unlock the wealth tied up in their properties. By allowing homeowners to sell small fractions of their home equity to investors, Point enables them to access funds without incurring additional debt. The platform employs a combination of on-site appraisals, third-party automated valuation models, and proprietary pricing algorithms to accurately determine property values and the potential investment amounts. This approach offers homeowners a new avenue to diversify their financial assets and achieve greater financial freedom.

Jopwell, Inc. is a career platform based in New York that connects Black, Latino/Hispanic, and Native American professionals and students with job opportunities across various industries, including technology, finance, and education. Founded in 2015 by former Goldman Sachs employees Porter Braswell and Ryan Williams, Jopwell aims to empower candidates and companies by providing a diverse pipeline of talent. The platform facilitates the recruitment process for partner companies, enabling them to access underrepresented candidates at various career stages, from internships to experienced hires. Jopwell's mission focuses on leveraging technology to enhance access to professional opportunities and promote diversity in the workforce. The company has gained recognition for its innovative approach, being featured in publications such as Inc. and Fast Company.

Improbable, founded in 2012 by Herman Narula and Rob Whitehead in London, specializes in creating powerful technology for solving complex problems and generating new realities. The company's core product, SpatialOS, is a cloud-based platform that enables game developers to build AI-powered simulated worlds of unprecedented scale and richness. By allowing swarms of servers to cooperate, SpatialOS transcends the limitations of single-server computation, facilitating the creation of persistent, large-scale virtual worlds. Beyond gaming, Improbable aims to apply its technology to other industries, helping to simulate and understand complex systems for positive social and economic impact.

BlocPower is an energy technology startup based in Los Angeles, California, focused on creating healthier, greener, and smarter buildings. Founded in 2014 in Brooklyn, New York, by Donnel Baird and Morris Cox, the company specializes in retrofitting urban buildings with advanced energy efficiency technologies and green heating and cooling systems. BlocPower identifies energy-wasting buildings and utilizes a proprietary machine learning platform to determine the most effective retrofits for maximizing energy savings. The company connects various stakeholders, including government agencies, utilities, building owners, and equipment providers, to facilitate these upgrades. With a mission to serve financially underserved communities, BlocPower has completed projects in nearly 1,000 buildings, helping customers save 20–40% on their annual energy bills. By leveraging data and innovative financing, BlocPower aims to reduce carbon emissions and improve health outcomes while addressing the climate crisis.

Dwolla, established in 2010 and headquartered in Des Moines, Iowa, specializes in developing API solutions for bank transfers. It offers the Access API, enabling users to link bank accounts and initiate transfers within their platform. Additionally, Dwolla provides the Dwolla Dashboard and Admin, an intuitive interface for managing customers, viewing transactions, and analyzing business trends. Dwolla's modern API simplifies complex payment network integrations, allowing businesses to efficiently and securely transfer funds directly to bank accounts, with the flexibility of same-day, next-day, or real-time payments.

RealCrowd, Inc. operates an online platform that connects accredited investors with commercial real estate investment opportunities across the United States. Founded in 2013 and based in Palo Alto, California, the platform allows users to access, review, and invest in various real estate transactions, including multifamily, retail, office, industrial, and land projects. By providing detailed offering materials, legal documents, and due diligence information, RealCrowd enables informed investment decisions. The platform also fosters relationships with commercial real estate companies, allowing investors to pool resources and collaborate on investment opportunities with seasoned operators. This approach aims to eliminate traditional barriers to entry in commercial real estate investing, empowering individuals to participate in the market more easily.

Apptio, Inc. is a provider of cloud-based Technology Business Management (TBM) solutions designed to assist enterprises in managing their IT investments effectively. Founded in 2007 and headquartered in Bellevue, Washington, Apptio offers a suite of applications that leverage business analytics to deliver insights on technology costs, value, and quality. This enables IT leaders to make informed, data-driven decisions that align technology spending with business outcomes. The company’s solutions encompass cost transparency, benchmarking, operational efficiency, and planning, facilitating automation of IT processes. Apptio's technology operates on a next-generation, in-memory cost analytics platform that aggregates and analyzes data from various financial, operational, and billing sources, providing users with deep visibility into the total cost of IT services. The company serves a global market, with operations in several countries, including the United States, the United Kingdom, Germany, and Australia.

Dwolla, established in 2010 and headquartered in Des Moines, Iowa, specializes in developing API solutions for bank transfers. It offers the Access API, enabling users to link bank accounts and initiate transfers within their platform. Additionally, Dwolla provides the Dwolla Dashboard and Admin, an intuitive interface for managing customers, viewing transactions, and analyzing business trends. Dwolla's modern API simplifies complex payment network integrations, allowing businesses to efficiently and securely transfer funds directly to bank accounts, with the flexibility of same-day, next-day, or real-time payments.