Anthemis

Habitto is a fintech platform focused on alleviating financial anxiety by helping customers cultivate good money habits. It offers a mobile application that provides financial advice and insights tailored to the Japanese market. Through its user-friendly interface, Habitto facilitates digital onboarding and eKYC, allowing users to easily access and manage their finances. The platform features a variety of investment and insurance products, empowering customers to achieve their financial goals while ensuring they have the necessary coverage. By delivering personalized advice and a convenient experience, Habitto aims to enhance users' financial wellbeing.

Provable Markets is a financial services company that offers market participants a secure, unified, and pragmatic access point for cash and synthetic equity finance trading. The company has developed an SEC registered Alternative Trading System (ATS) named Aurora. Provable Markets aims to create a paradigm shift in how financial markets operate, with a focus on transparency and solving some of the biggest challenges in the financial industry. The company has a community of passionate people working towards these goals.

HappyPal is transforming the French employee benefit market, which is valued at approximately $20 billion, by replacing traditional paper gift vouchers with an innovative SaaS and fintech solution. The company provides a modern credit card designed for various employee allowances, including gifts, cultural activities, vacations, and sports. By addressing the common challenges associated with employee benefits management, such as high fees, unused allowances, and poor user experiences, HappyPal aims to streamline the process for both employees and administrators. Its platform enables employers to establish personalized and efficient benefits programs, facilitating better communication and engagement with their teams.

Project Admission, Inc. is a technology company based in Nashville, Tennessee, that specializes in the online management of digital ticketing for live events. Established in 2017, the company provides a platform that facilitates the purchase, sale, and distribution of digital tickets while also enabling tracking throughout the ticket's lifecycle. Project Admission collaborates with the live event industry to enhance ticket distribution by allowing brands, influencers, and fans to engage in authentic ticket transactions via direct and social channels. The platform not only simplifies and secures ticket transfers but also offers insights into ticket ownership and attendee data, thereby helping clients maximize revenue through managed exchanges.

TreasurySpring Limited is a financial technology firm established in 2016 and based in London, United Kingdom. The company operates an online platform designed to connect issuers and investors, with a focus on revolutionizing institutional short-term funding markets. TreasurySpring offers a variety of fixed-term funds, including sovereign funds that invest in government treasury bills and bonds, financial funds providing exposure to investment-grade banking institutions, and corporate funds targeting investment-grade non-financial institutions. The platform employs advanced legal, financial, and operational technologies to create new financial instruments, allowing cash-rich firms to access previously unavailable short-term investments. This innovative approach enables institutions seeking funding to reach a wider array of capital providers while enhancing security and yield.

Kasheesh is a fintech company that specializes in providing innovative financial services. It has developed technology that allows users to split online payments across multiple debit and credit cards. This feature enables customers to allocate their spending according to the available balance on each card, helping them manage their finances more effectively. By facilitating the consolidation of payments, Kasheesh aims to enhance the overall transaction experience for consumers, making it easier for them to optimize their financial activities.

Inclined Technologies is a financial technology company based in San Francisco, California, founded in 2020. The company aims to enhance the value of life insurance policies, specifically targeting whole-life policyholders. Inclined provides a platform that offers products such as the Inclined Line Of Credit (iLOC), which enables policyholders to access cash value, refinance, and connect with financial institutions. By establishing a unique marketplace, Inclined seeks to maximize efficiency, lower barriers to access, and improve the overall customer experience. Through these efforts, the company is dedicated to helping policyholders derive greater value from their investments in life insurance.

Denim is a freight payment system specifically designed for freight brokers, focusing on the management of working capital, carrier payments, and back-office processes. The platform offers a suite of services, including factoring, automated invoicing, collections, and payments, aimed at simplifying operations for small freight brokers. By enhancing access to critical working capital, Denim enables these brokers to thrive in a competitive market, allowing them to concentrate on their core business activities while streamlining their financial processes.

Power is a financial technology company that specializes in providing credit card programs for businesses through its cloud-native issuance platform. This platform is designed specifically for high-growth brands, offering modern co-branded credit card solutions that enhance the connection between retailers and their customers. By integrating embedded banking experiences, Power enables brands to build, launch, and scale customer engagement strategies that resonate with their loyal clientele. Founded by Randy Fernando and Andrew Dust, Power has garnered support from various investment firms, positioning itself as a key player in the evolving landscape of digital finance.

Koffie Financial is a fintech platform designed specifically for the trucking and transportation industry, providing quick and affordable insurance coverage that emphasizes safety. The company utilizes technology, including artificial intelligence, to streamline underwriting, loss control, claims handling, and fleet operations, allowing for instant and tailored insurance policies. By rewarding safe practices, Koffie Financial offers lower premiums compared to traditional insurers, helping trucking and transportation companies manage their risks more effectively. The platform aims to enhance operational efficiency by eliminating paperwork and offering transparent policies and instant quotes, ultimately supporting fleet owners in running their operations safely and efficiently.

Kasheesh is a fintech company that specializes in providing innovative financial services. It has developed technology that allows users to split online payments across multiple debit and credit cards. This feature enables customers to allocate their spending according to the available balance on each card, helping them manage their finances more effectively. By facilitating the consolidation of payments, Kasheesh aims to enhance the overall transaction experience for consumers, making it easier for them to optimize their financial activities.

Hokodo Ltd is a London-based company that specializes in developing insurance and financing solutions tailored for B2B marketplaces, cloud accounting, and e-invoicing platforms. Founded in 2018, Hokodo offers a digital platform that simplifies the order-to-cash process for businesses, enabling them to make real-time credit decisions and access working capital finance options. Their products include Invoice Protection, an API that safeguards businesses against unpaid invoices, and Secure Freight, which protects goods in transit or storage. Additionally, Hokodo provides tools for users to assess the credit ratings of clients and suppliers, enhancing decision-making regarding credit terms and mitigating the risks associated with bad debt.

Kinly is a financial technology company focused on serving the unique needs of African-Americans and their allies. It provides a range of digital banking services designed to enhance financial literacy and promote responsible money management. Kinly offers tools for financial education, expense tracking, and goal setting, alongside debit cards linked to savings accounts. By delivering these resources, the company aims to empower users to develop positive financial habits, achieve their financial goals, and fulfill their aspirations.

Weavr is a developer of a digital financial platform that enables companies to seamlessly integrate banking and financial services into their offerings through the use of APIs. The platform provides a range of financial solutions for both consumers and businesses, including accounts with or without IBANs, virtual and physical cards, and wearable payment options. By offering comprehensive tools for creating, integrating, and managing these financial elements, Weavr allows digital businesses to incorporate payment services within their applications efficiently. This integration is achieved without imposing the burdens of data security and regulatory compliance on the companies utilizing the platform, thereby simplifying the process of embedding financial services in various applications.

Habitto is a fintech platform focused on alleviating financial anxiety by helping customers cultivate good money habits. It offers a mobile application that provides financial advice and insights tailored to the Japanese market. Through its user-friendly interface, Habitto facilitates digital onboarding and eKYC, allowing users to easily access and manage their finances. The platform features a variety of investment and insurance products, empowering customers to achieve their financial goals while ensuring they have the necessary coverage. By delivering personalized advice and a convenient experience, Habitto aims to enhance users' financial wellbeing.

Happy Money, Inc. is a financial services company that focuses on helping individuals pay off credit card debt and build savings. The company offers a range of products, including Payoff, which provides loans specifically for credit card repayment, and Joy, a mobile application that utilizes robotic Money Coaches to assist users in spending wisely and enhancing their savings. Additionally, Happy Money Score leverages psychological insights to guide users in making informed financial decisions. Established in 2009 in Costa Mesa, California, Happy Money was originally known as Payoff, Inc. before rebranding in March 2020. The company emphasizes a mission-driven approach to finance, aiming to transform the traditional banking model by promoting financial wellness and encouraging users to shift from borrowing to saving.

Project Admission, Inc. is a technology company based in Nashville, Tennessee, that specializes in the online management of digital ticketing for live events. Established in 2017, the company provides a platform that facilitates the purchase, sale, and distribution of digital tickets while also enabling tracking throughout the ticket's lifecycle. Project Admission collaborates with the live event industry to enhance ticket distribution by allowing brands, influencers, and fans to engage in authentic ticket transactions via direct and social channels. The platform not only simplifies and secures ticket transfers but also offers insights into ticket ownership and attendee data, thereby helping clients maximize revenue through managed exchanges.

Ejara is a mobile investment platform tailored for Africa and its diaspora, allowing users to access a variety of investment opportunities, including fractional shares, commodities, and cryptocurrencies. The app leverages blockchain technology to facilitate global trading and investment in diverse financial products. It also offers features such as interest-bearing accounts, enabling users to save and grow their wealth while monitoring their investment performance. By providing a user-friendly interface, Ejara aims to empower individuals to manage their investments effectively and enjoy greater financial independence.

Betterment LLC is an online financial advisory firm based in New York, founded in 2007. The company specializes in automated investing services that help individuals manage their finances through a customized and diversified portfolio. Betterment offers a range of investment options, including traditional and Roth IRAs, 401(k) accounts, and trust accounts, all of which are designed to optimize investment returns. Its services also include financial and retirement planning, tax loss harvesting, and cash management tools, such as the Two-Way Sweep feature. Betterment caters to various customer segments, including individual investors, businesses through Betterment for Business, and financial advisors via Betterment for Advisors. The firm charges a management fee for its services and focuses on providing personalized, goal-based investing solutions to enhance clients' long-term financial success.

Balance Re is a life reinsurance startup that specializes in quantitative asset-liability management. The company offers reinsurance services aimed at managing both insurance and financial risks, along with their complex interactions. Utilizing proprietary technology, Balance Re consistently assesses and measures risks over time, enabling real-time data analysis. This capability allows clients to release capital for growth, support product repositioning, and enhance their competitive advantage.

Weavr is a developer of a digital financial platform that enables companies to seamlessly integrate banking and financial services into their offerings through the use of APIs. The platform provides a range of financial solutions for both consumers and businesses, including accounts with or without IBANs, virtual and physical cards, and wearable payment options. By offering comprehensive tools for creating, integrating, and managing these financial elements, Weavr allows digital businesses to incorporate payment services within their applications efficiently. This integration is achieved without imposing the burdens of data security and regulatory compliance on the companies utilizing the platform, thereby simplifying the process of embedding financial services in various applications.

StepEx is a fintech platform that allows borrowers to fund their education by agreeing to pay a portion of their future income for a specified period. This innovative approach ensures that repayments are manageable, preventing borrowers from facing bankruptcy and making education more accessible at lower costs than traditional personal debt options. The platform also facilitates partnerships between corporations and educational institutions, enabling companies to invest in talent aligned with their needs while enhancing diversity in their workforce. Additionally, StepEx offers financial institutions a unique opportunity to invest in future earnings, creating a non-correlated asset class that provides exposure to the labor market and potentially higher risk-adjusted returns. This model supports educational providers by attracting a broader range of applicants and enabling them to offer flexible payment structures.

Daylight is a digital banking platform based in West Hollywood, California, specifically designed for the LGBT+ community. Founded in 2020, Daylight provides a range of financial services, including prepaid cards and an app that offers tools, advice, and cashback for spending at queer bars and allied businesses. The platform aims to empower its members by helping them navigate the financial system, develop smarter financial habits, and connect with a supportive community. By focusing on the unique needs of the LGBT+ population, Daylight fosters financial literacy and encourages users to build a future that aligns with their values.

TreasurySpring Limited is a financial technology firm established in 2016 and based in London, United Kingdom. The company operates an online platform designed to connect issuers and investors, with a focus on revolutionizing institutional short-term funding markets. TreasurySpring offers a variety of fixed-term funds, including sovereign funds that invest in government treasury bills and bonds, financial funds providing exposure to investment-grade banking institutions, and corporate funds targeting investment-grade non-financial institutions. The platform employs advanced legal, financial, and operational technologies to create new financial instruments, allowing cash-rich firms to access previously unavailable short-term investments. This innovative approach enables institutions seeking funding to reach a wider array of capital providers while enhancing security and yield.

Hokodo Ltd is a London-based company that specializes in developing insurance and financing solutions tailored for B2B marketplaces, cloud accounting, and e-invoicing platforms. Founded in 2018, Hokodo offers a digital platform that simplifies the order-to-cash process for businesses, enabling them to make real-time credit decisions and access working capital finance options. Their products include Invoice Protection, an API that safeguards businesses against unpaid invoices, and Secure Freight, which protects goods in transit or storage. Additionally, Hokodo provides tools for users to assess the credit ratings of clients and suppliers, enhancing decision-making regarding credit terms and mitigating the risks associated with bad debt.

Maxwell Financial Labs, Inc. is a technology company based in Palo Alto, California, founded in 2015. The company has developed a comprehensive platform that facilitates connections among home buyers, real estate agents, and lenders. Its Mortgage Optimization Platform streamlines the entire mortgage loan process, from the initial application to the secondary market. By offering a suite of technology-driven solutions, Maxwell Financial Labs aims to provide local lending teams with a competitive edge, enabling them to better serve their communities and enhance access to homeownership. The company focuses on empowering non-depository mortgage banks, credit unions, brokers, and local banks to leverage its innovations for improved customer experiences and operational efficiency.

Mansa is a financial startup that provides microcredit ranging from €500 to €10,000 specifically for self-employed individuals and freelancers. The company has developed an online lending platform that simplifies the loan process by minimizing paperwork and ensuring transparency, thus avoiding hidden fees. Mansa's platform facilitates instant identity verification and allows for online signing of loan contracts, enabling freelancers to access credit financing quickly and at fair interest rates for their projects.

First Boulevard is a digitally native neobank building generational wealth for Black America. Though unbanked, underbanked and underserved, the Black community’s $1.4-trillion in annual economic impact provides a significant base to build upon. By developing a platform focused on improving financial livelihood through incentive-based financial education, Black-focused spending, and automated wealth building, First Boulevard helps members remove the stress out of managing their money while also developing positive financial behaviors and habits to reach goals faster.

Koffie Financial is a fintech platform designed specifically for the trucking and transportation industry, providing quick and affordable insurance coverage that emphasizes safety. The company utilizes technology, including artificial intelligence, to streamline underwriting, loss control, claims handling, and fleet operations, allowing for instant and tailored insurance policies. By rewarding safe practices, Koffie Financial offers lower premiums compared to traditional insurers, helping trucking and transportation companies manage their risks more effectively. The platform aims to enhance operational efficiency by eliminating paperwork and offering transparent policies and instant quotes, ultimately supporting fleet owners in running their operations safely and efficiently.

Koffie Financial is a fintech platform designed specifically for the trucking and transportation industry, providing quick and affordable insurance coverage that emphasizes safety. The company utilizes technology, including artificial intelligence, to streamline underwriting, loss control, claims handling, and fleet operations, allowing for instant and tailored insurance policies. By rewarding safe practices, Koffie Financial offers lower premiums compared to traditional insurers, helping trucking and transportation companies manage their risks more effectively. The platform aims to enhance operational efficiency by eliminating paperwork and offering transparent policies and instant quotes, ultimately supporting fleet owners in running their operations safely and efficiently.

Ember Digital Limited is a London-based company that provides software designed to automate accounting and tax processes for contractors and small businesses. The platform leverages Open Banking and Machine Learning to streamline the entire accounting workflow, from bank transaction processing to tax submission. It offers features such as real-time transaction classification, generation of accounting reports, invoicing, payroll management, tax estimation, and filing with HMRC. By integrating these functions into a single platform, Ember aims to eliminate the need for costly accounting software and manual bookkeeping, allowing users to manage their finances more efficiently while reducing overall costs. Incorporated in 2019, Ember positions itself as an innovative solution in the financial technology sector.

Weavr is a developer of a digital financial platform that enables companies to seamlessly integrate banking and financial services into their offerings through the use of APIs. The platform provides a range of financial solutions for both consumers and businesses, including accounts with or without IBANs, virtual and physical cards, and wearable payment options. By offering comprehensive tools for creating, integrating, and managing these financial elements, Weavr allows digital businesses to incorporate payment services within their applications efficiently. This integration is achieved without imposing the burdens of data security and regulatory compliance on the companies utilizing the platform, thereby simplifying the process of embedding financial services in various applications.

First Boulevard is a digitally native neobank building generational wealth for Black America. Though unbanked, underbanked and underserved, the Black community’s $1.4-trillion in annual economic impact provides a significant base to build upon. By developing a platform focused on improving financial livelihood through incentive-based financial education, Black-focused spending, and automated wealth building, First Boulevard helps members remove the stress out of managing their money while also developing positive financial behaviors and habits to reach goals faster.

Nivelo is the infrastructure bridge to next generation payments, powering fintech platforms through safe and faster payment solutions.

TrueLayer Limited is a London-based company founded in 2016 that provides an open banking platform designed to facilitate the development of financial applications. Its toolkit enables businesses to connect with bank data, verify accounts, and access transactions in real-time, thus supporting a variety of sectors including payments, online lending, personal finance management, investment services, and cryptocurrencies. TrueLayer's solutions are utilized by FinTech startups, online lenders, personal finance managers, and other financial service providers to enhance user experiences by enabling secure and efficient transactions. The platform is operational in 21 countries and serves over 10 million users, streamlining the onboarding of new customers and allowing for rapid money transfers. TrueLayer aims to transform the payment landscape by combining real-time bank payments with financial and identity data.

Denim is a freight payment system specifically designed for freight brokers, focusing on the management of working capital, carrier payments, and back-office processes. The platform offers a suite of services, including factoring, automated invoicing, collections, and payments, aimed at simplifying operations for small freight brokers. By enhancing access to critical working capital, Denim enables these brokers to thrive in a competitive market, allowing them to concentrate on their core business activities while streamlining their financial processes.

Denim is a freight payment system specifically designed for freight brokers, focusing on the management of working capital, carrier payments, and back-office processes. The platform offers a suite of services, including factoring, automated invoicing, collections, and payments, aimed at simplifying operations for small freight brokers. By enhancing access to critical working capital, Denim enables these brokers to thrive in a competitive market, allowing them to concentrate on their core business activities while streamlining their financial processes.

Goin is a mobile application focused on enhancing users' financial health by integrating with their traditional banking systems. The app offers a range of innovative tools that assist users in saving, investing, and smart shopping. By leveraging machine learning algorithms, Goin analyzes users' banking information and spending habits to provide personalized insights and recommendations. It encourages users to accumulate savings through small daily actions, such as rounding up their payments. Additionally, Goin enables users to easily transfer funds to various investment options, including cryptocurrencies and equity funds, as well as manage their finances more effectively. Through these features, Goin aims to empower users to improve their financial well-being and lifestyle.

NOW Money is a financial technology company that leverages mobile banking to provide accounts and remittance services for the unbanked population in the Middle East, specifically targeting low-income migrant workers in the Gulf region. By offering a payment application, NOW Money facilitates access to essential financial services, enabling users to perform international money transfers and currency conversions at reduced costs. The company aims to include those who are typically excluded from the financial system, thereby promoting financial inclusion and offering significant savings on remittance transactions.

Maxwell Financial Labs, Inc. is a technology company based in Palo Alto, California, founded in 2015. The company has developed a comprehensive platform that facilitates connections among home buyers, real estate agents, and lenders. Its Mortgage Optimization Platform streamlines the entire mortgage loan process, from the initial application to the secondary market. By offering a suite of technology-driven solutions, Maxwell Financial Labs aims to provide local lending teams with a competitive edge, enabling them to better serve their communities and enhance access to homeownership. The company focuses on empowering non-depository mortgage banks, credit unions, brokers, and local banks to leverage its innovations for improved customer experiences and operational efficiency.

Pipe is a financial services platform that specializes in facilitating the trading of recurring revenue streams. It connects companies, particularly in the cloud services sector, with institutional investors, allowing for real-time transactions. By making recurring revenue streams tradable based on their annual value, Pipe helps businesses unlock deferred cash flows, providing them with immediate access to capital. This non-dilutive funding approach enables companies to scale efficiently without relinquishing ownership or incurring debt. The platform integrates with existing billing systems to assess and underwrite businesses with recurring revenues, thereby streamlining the funding process and supporting growth initiatives.

Hoptroff is a London-based company that specializes in precision timing solutions and the manufacture of wristwatches. It produces classic, sports, and atomic wristwatches, along with watch movements, utilizing Swiss-made mechanical components in their designs. In addition to its watchmaking endeavors, Hoptroff has developed a time synchronization platform that ensures microsecond accuracy for server clocks. This platform enhances the reliability of timestamp records for digital transactions, reducing fraud risk and improving operational efficiency for organizations. By offering low-latency fiber connections or secure internet access, Hoptroff enables businesses to achieve extreme accuracy in their time-sensitive operations.

Wollit Ltd, founded in 2017 and based in London, specializes in providing financial solutions for individuals on zero-hour contracts and those with irregular work schedules. The company offers an innovative credit-building app that enables users to take home a consistent income each month, regardless of fluctuations in their working hours. This approach aims to create a financial safety net for users, allowing them to manage their finances more effectively. Wollit has garnered recognition for its contributions to the financial sector, being awarded Best UK Credit Builder by the Ethical Finance Awards 2024 and recognized by the Worldwide Finance Awards 2024 as Credit Building Experts. The company has supported numerous individuals across the UK in enhancing their credit profiles to secure better financial opportunities.

Weavr is a developer of a digital financial platform that enables companies to seamlessly integrate banking and financial services into their offerings through the use of APIs. The platform provides a range of financial solutions for both consumers and businesses, including accounts with or without IBANs, virtual and physical cards, and wearable payment options. By offering comprehensive tools for creating, integrating, and managing these financial elements, Weavr allows digital businesses to incorporate payment services within their applications efficiently. This integration is achieved without imposing the burdens of data security and regulatory compliance on the companies utilizing the platform, thereby simplifying the process of embedding financial services in various applications.

Weavr is a developer of a digital financial platform that enables companies to seamlessly integrate banking and financial services into their offerings through the use of APIs. The platform provides a range of financial solutions for both consumers and businesses, including accounts with or without IBANs, virtual and physical cards, and wearable payment options. By offering comprehensive tools for creating, integrating, and managing these financial elements, Weavr allows digital businesses to incorporate payment services within their applications efficiently. This integration is achieved without imposing the burdens of data security and regulatory compliance on the companies utilizing the platform, thereby simplifying the process of embedding financial services in various applications.

Wollit Ltd, founded in 2017 and based in London, specializes in providing financial solutions for individuals on zero-hour contracts and those with irregular work schedules. The company offers an innovative credit-building app that enables users to take home a consistent income each month, regardless of fluctuations in their working hours. This approach aims to create a financial safety net for users, allowing them to manage their finances more effectively. Wollit has garnered recognition for its contributions to the financial sector, being awarded Best UK Credit Builder by the Ethical Finance Awards 2024 and recognized by the Worldwide Finance Awards 2024 as Credit Building Experts. The company has supported numerous individuals across the UK in enhancing their credit profiles to secure better financial opportunities.

Messari, Inc. is a New York-based company founded in 2018 that operates a platform dedicated to providing comprehensive market intelligence for crypto assets. It offers a distributed data library that includes detailed information on various crypto projects, including their funding, development history, governance structures, and supply schedules. Messari aims to enhance industry transparency by combining qualitative and quantitative analytics, along with a global research database. Its tools and resources are designed to support researchers, investors, and regulators in making informed decisions within the crypto and Web3 space. By delivering deep analysis, news, and data visualization capabilities, Messari helps professionals navigate the complexities of the cryptocurrency market with greater confidence.

A fast-growing, award-winning FinTech pioneering collaborative savings circles to help people all over the world reach their financial goals. For individuals: In the UK we offer products to help people raise money for their property deposit, getting married, starting a family, paying for education, cosmetic surgery and paying off debt. Check out: https://www.joinstepladder.com/ For companies: You can now white-label our Savings Circles and offer them to your customers and potential customers to increase you market share, improve retention, enhance engagement and generate revenue Read more here: https://www.step-ladder-solutions.com/ For Investors: StepLadder is leading the way in the new global category of digital Collaborative Finance. Savings Circles transactions total more than $500 billion worldwide, and 40% of consumers in more than 90 countries around the world use offline and informal ROSCAs. The opportunity is huge. The impact we have on people’s lives is real.

Quantemplate is a technology company that specializes in developing a machine learning data transformation and analytics platform specifically for the insurance industry. Founded in 2012 and headquartered in London, with additional offices in New York and Gibraltar, Quantemplate's platform enables business users to cleanse and harmonize raw data sources using advanced machine learning tools. The platform facilitates various functions such as data integration, mapping, and performance analysis, ultimately allowing users to automate operational processes. By leveraging this technology, leading insurance businesses can enhance their competitive advantage, reduce costs, and support digital transformation initiatives. Quantemplate has been recognized as a notable player in the industry, having been named a European FinTech Top50 company and a Global InsurTech Top21.

Goin is a mobile application focused on enhancing users' financial health by integrating with their traditional banking systems. The app offers a range of innovative tools that assist users in saving, investing, and smart shopping. By leveraging machine learning algorithms, Goin analyzes users' banking information and spending habits to provide personalized insights and recommendations. It encourages users to accumulate savings through small daily actions, such as rounding up their payments. Additionally, Goin enables users to easily transfer funds to various investment options, including cryptocurrencies and equity funds, as well as manage their finances more effectively. Through these features, Goin aims to empower users to improve their financial well-being and lifestyle.

NOW Money is a financial technology company that leverages mobile banking to provide accounts and remittance services for the unbanked population in the Middle East, specifically targeting low-income migrant workers in the Gulf region. By offering a payment application, NOW Money facilitates access to essential financial services, enabling users to perform international money transfers and currency conversions at reduced costs. The company aims to include those who are typically excluded from the financial system, thereby promoting financial inclusion and offering significant savings on remittance transactions.

TrueLayer Limited is a London-based company founded in 2016 that provides an open banking platform designed to facilitate the development of financial applications. Its toolkit enables businesses to connect with bank data, verify accounts, and access transactions in real-time, thus supporting a variety of sectors including payments, online lending, personal finance management, investment services, and cryptocurrencies. TrueLayer's solutions are utilized by FinTech startups, online lenders, personal finance managers, and other financial service providers to enhance user experiences by enabling secure and efficient transactions. The platform is operational in 21 countries and serves over 10 million users, streamlining the onboarding of new customers and allowing for rapid money transfers. TrueLayer aims to transform the payment landscape by combining real-time bank payments with financial and identity data.

Goin is a mobile application focused on enhancing users' financial health by integrating with their traditional banking systems. The app offers a range of innovative tools that assist users in saving, investing, and smart shopping. By leveraging machine learning algorithms, Goin analyzes users' banking information and spending habits to provide personalized insights and recommendations. It encourages users to accumulate savings through small daily actions, such as rounding up their payments. Additionally, Goin enables users to easily transfer funds to various investment options, including cryptocurrencies and equity funds, as well as manage their finances more effectively. Through these features, Goin aims to empower users to improve their financial well-being and lifestyle.

Flux Systems Limited is a technology company that specializes in a digital receipts and rewards platform, designed to deliver digital receipts directly to users' banking applications. Founded in 2016 and headquartered in London, the company focuses on simplifying receipt management by automatically linking receipts to payment cards. It serves a range of retailers across the United Kingdom and emphasizes security by employing bank-level protection for its software. Data is stored and processed on third-party servers in secure European data centers, adhering to strict regulatory compliance. Flux Systems has established partnerships with notable entities, including Barclaycard, Costa, and Barclays, enhancing its presence in the financial technology sector.

Fluidly, established in 2016 and based in London, specializes in cash flow management and forecasting software. It leverages data science, accounting expertise, and machine learning to provide intuitive, AI-powered cash flow forecasting and management solutions. Fluidly's software automates cash flow forecasting using transaction data from accounting systems, offering small and medium enterprises real-time, invoice-level insights to optimize their financial future and make informed decisions.

Hokodo Ltd is a London-based company that specializes in developing insurance and financing solutions tailored for B2B marketplaces, cloud accounting, and e-invoicing platforms. Founded in 2018, Hokodo offers a digital platform that simplifies the order-to-cash process for businesses, enabling them to make real-time credit decisions and access working capital finance options. Their products include Invoice Protection, an API that safeguards businesses against unpaid invoices, and Secure Freight, which protects goods in transit or storage. Additionally, Hokodo provides tools for users to assess the credit ratings of clients and suppliers, enhancing decision-making regarding credit terms and mitigating the risks associated with bad debt.

TrueLayer Limited is a London-based company founded in 2016 that provides an open banking platform designed to facilitate the development of financial applications. Its toolkit enables businesses to connect with bank data, verify accounts, and access transactions in real-time, thus supporting a variety of sectors including payments, online lending, personal finance management, investment services, and cryptocurrencies. TrueLayer's solutions are utilized by FinTech startups, online lenders, personal finance managers, and other financial service providers to enhance user experiences by enabling secure and efficient transactions. The platform is operational in 21 countries and serves over 10 million users, streamlining the onboarding of new customers and allowing for rapid money transfers. TrueLayer aims to transform the payment landscape by combining real-time bank payments with financial and identity data.

Goji Investments, founded in February 2015 and based in London, is a company that specializes in peer-to-peer investment and wealth management, aiming to empower direct lending. Established by professionals with expertise in wealth management, banking, and technology, Goji seeks to expand online direct lending to new investor markets. The company offers a platform that provides financial advisory services and facilitates lending platforms, allowing clients to access lending investments and connect with a global base of investors, regardless of their scale of ambition. Backed by prominent Fintech venture capital and angel investors, Goji is positioned to innovate within the financial services sector.

+Simple is an insurance Robo-Broker focused on providing tailored insurance solutions for freelancers and small to medium-sized enterprises. The company operates a technology platform that optimizes insurance coverage based on the duration of contracts and personalizes offers according to the specific activities of its clients and their evolving needs. Its secure online subscription service allows users to access their insurance contracts in a digital format, stored in a virtual safe. This approach enables clients to efficiently manage their insurance requirements and claims, ensuring they receive competitive and relevant coverage.

Quantemplate is a technology company that specializes in developing a machine learning data transformation and analytics platform specifically for the insurance industry. Founded in 2012 and headquartered in London, with additional offices in New York and Gibraltar, Quantemplate's platform enables business users to cleanse and harmonize raw data sources using advanced machine learning tools. The platform facilitates various functions such as data integration, mapping, and performance analysis, ultimately allowing users to automate operational processes. By leveraging this technology, leading insurance businesses can enhance their competitive advantage, reduce costs, and support digital transformation initiatives. Quantemplate has been recognized as a notable player in the industry, having been named a European FinTech Top50 company and a Global InsurTech Top21.

Maxwell Financial Labs, Inc. is a technology company based in Palo Alto, California, founded in 2015. The company has developed a comprehensive platform that facilitates connections among home buyers, real estate agents, and lenders. Its Mortgage Optimization Platform streamlines the entire mortgage loan process, from the initial application to the secondary market. By offering a suite of technology-driven solutions, Maxwell Financial Labs aims to provide local lending teams with a competitive edge, enabling them to better serve their communities and enhance access to homeownership. The company focuses on empowering non-depository mortgage banks, credit unions, brokers, and local banks to leverage its innovations for improved customer experiences and operational efficiency.

Maxwell Financial Labs, Inc. is a technology company based in Palo Alto, California, founded in 2015. The company has developed a comprehensive platform that facilitates connections among home buyers, real estate agents, and lenders. Its Mortgage Optimization Platform streamlines the entire mortgage loan process, from the initial application to the secondary market. By offering a suite of technology-driven solutions, Maxwell Financial Labs aims to provide local lending teams with a competitive edge, enabling them to better serve their communities and enhance access to homeownership. The company focuses on empowering non-depository mortgage banks, credit unions, brokers, and local banks to leverage its innovations for improved customer experiences and operational efficiency.

Flux Systems Limited is a technology company that specializes in a digital receipts and rewards platform, designed to deliver digital receipts directly to users' banking applications. Founded in 2016 and headquartered in London, the company focuses on simplifying receipt management by automatically linking receipts to payment cards. It serves a range of retailers across the United Kingdom and emphasizes security by employing bank-level protection for its software. Data is stored and processed on third-party servers in secure European data centers, adhering to strict regulatory compliance. Flux Systems has established partnerships with notable entities, including Barclaycard, Costa, and Barclays, enhancing its presence in the financial technology sector.

Abaka Holdings Ltd., established in 2016 and headquartered in London, operates an AI-powered digital savings and retirement platform. It partners with financial institutions to provide scalable, affordable advice on pensions, savings, and investments to retail customers. Abaka's platform offers conversational AI, personalized behavioral nudges, data aggregation, and financial planning tools, benefiting over 9 million users worldwide through its enterprise clients, which include tier-one banks, pension providers, and asset managers across multiple countries.

TrueLayer Limited is a London-based company founded in 2016 that provides an open banking platform designed to facilitate the development of financial applications. Its toolkit enables businesses to connect with bank data, verify accounts, and access transactions in real-time, thus supporting a variety of sectors including payments, online lending, personal finance management, investment services, and cryptocurrencies. TrueLayer's solutions are utilized by FinTech startups, online lenders, personal finance managers, and other financial service providers to enhance user experiences by enabling secure and efficient transactions. The platform is operational in 21 countries and serves over 10 million users, streamlining the onboarding of new customers and allowing for rapid money transfers. TrueLayer aims to transform the payment landscape by combining real-time bank payments with financial and identity data.

Arthena is a venture-backed financial technology company that specializes in art investment through a quantitative investment platform. By utilizing data science, Arthena provides investors access to the fine arts market, allowing them to invest in art as an asset class. The company enables investors to pool their capital to form small collections of fine art, referred to as syndicates, which cater to different risk tolerances. Arthena is dedicated to enhancing transparency in art investing, offering investors insights into acquired assets and artists, thus fostering informed investment decisions.

Quantopian, Inc. operates an online platform designed for the development and testing of quantitative trading algorithms. Founded in 2011 and based in Boston, Massachusetts, the platform offers tools and infrastructure that allow users to learn about quantitative finance, engage in community discussions, and explore algorithms shared by other members. Users can create and backtest their algorithms, review performance results and risk metrics, and trade their strategies. The company boasts a community of approximately 195,000 quants who collaborate and share insights. Additionally, select algorithm authors can license their algorithms to Quantopian, earning compensation based on performance. The firm provides capital, data, and resources to support its community in researching, coding, and executing algorithmic investing strategies.

BigchainDB is a developer of a blockchain database software that offers decentralization, immutability, and native asset capabilities. The platform enables the automation of business processes across various industries, including identity management, intellectual property, supply chain logistics, energy, the Internet of Things (IoT), and financial ecosystems. By providing unique solutions tailored for developers, startups, and enterprises, BigchainDB supports the creation and deployment of large-scale applications, allowing users to effectively build their concepts and platforms. The company's focus on facilitating the registration and transfer of assets enhances its value proposition in the rapidly evolving digital landscape.

Happy Money, Inc. is a financial services company that focuses on helping individuals pay off credit card debt and build savings. The company offers a range of products, including Payoff, which provides loans specifically for credit card repayment, and Joy, a mobile application that utilizes robotic Money Coaches to assist users in spending wisely and enhancing their savings. Additionally, Happy Money Score leverages psychological insights to guide users in making informed financial decisions. Established in 2009 in Costa Mesa, California, Happy Money was originally known as Payoff, Inc. before rebranding in March 2020. The company emphasizes a mission-driven approach to finance, aiming to transform the traditional banking model by promoting financial wellness and encouraging users to shift from borrowing to saving.

Bento for Business is a financial operating platform designed specifically for small and mid-sized businesses (SMBs). The platform enables businesses to issue payment credentials securely, offering virtual and corporate cards along with comprehensive management tools that enhance control and visibility over company expenses. By minimizing fraud and reducing administrative overhead, Bento's solutions allow businesses to streamline their financial processes, freeing them to concentrate on growth and customer value. The company also provides open APIs and white label partnerships, extending its capabilities to automate payments beyond employee expenses. With its headquarters in San Francisco and Chicago, Bento is recognized for its innovative approach to expense management, combining the security of traditional banking with the user-friendly features typical of modern technology firms.

SparkFin is a fintech company based in San Diego, California, specializing in a mobile stock discovery platform. This platform enables users to create, share, and find stock ideas instantly. SparkFin's software features a user-friendly interface that delivers hand-curated automated updates about various stocks. It provides real-time notifications, alerts, and other stock-related information, assisting users in monitoring their investments and discovering new opportunities. The company plans to continue its operations and integrate with the existing StockTwits team in San Diego, enhancing its service offerings in the investment community.

Betterment LLC is an online financial advisory firm based in New York, founded in 2007. The company specializes in automated investing services that help individuals manage their finances through a customized and diversified portfolio. Betterment offers a range of investment options, including traditional and Roth IRAs, 401(k) accounts, and trust accounts, all of which are designed to optimize investment returns. Its services also include financial and retirement planning, tax loss harvesting, and cash management tools, such as the Two-Way Sweep feature. Betterment caters to various customer segments, including individual investors, businesses through Betterment for Business, and financial advisors via Betterment for Advisors. The firm charges a management fee for its services and focuses on providing personalized, goal-based investing solutions to enhance clients' long-term financial success.

SparkFin is a fintech company based in San Diego, California, specializing in a mobile stock discovery platform. This platform enables users to create, share, and find stock ideas instantly. SparkFin's software features a user-friendly interface that delivers hand-curated automated updates about various stocks. It provides real-time notifications, alerts, and other stock-related information, assisting users in monitoring their investments and discovering new opportunities. The company plans to continue its operations and integrate with the existing StockTwits team in San Diego, enhancing its service offerings in the investment community.

Moven is a company that specializes in mobile banking and personal finance solutions, aimed at enhancing financial wellness for users. Founded in 2011 and headquartered in New York, Moven provides a platform that allows banks and non-bank partners to acquire and engage customers effectively. Its offerings include a mobile money-management application, a debit card, and a contactless payment sticker, all designed to deliver real-time spending insights. These tools empower users to make informed financial decisions and promote savings. Moven's innovative, data-driven services are tailored to improve the financial health of customers, allowing financial institutions to focus on fostering stronger relationships with their clientele.

Quantemplate is a technology company that specializes in developing a machine learning data transformation and analytics platform specifically for the insurance industry. Founded in 2012 and headquartered in London, with additional offices in New York and Gibraltar, Quantemplate's platform enables business users to cleanse and harmonize raw data sources using advanced machine learning tools. The platform facilitates various functions such as data integration, mapping, and performance analysis, ultimately allowing users to automate operational processes. By leveraging this technology, leading insurance businesses can enhance their competitive advantage, reduce costs, and support digital transformation initiatives. Quantemplate has been recognized as a notable player in the industry, having been named a European FinTech Top50 company and a Global InsurTech Top21.

Vericash is a developer of a financial platform that focuses on delivering digital financial services. The platform caters to both banked and unbanked communities, offering mobile payment business models that enhance accessibility across various markets. Vericash provides a range of services including wide connectivity, multi-wallet programs, e-payment solutions, e-integration services, agency management, and additional value-added services. The company's aim is to enable banks and financial institutions to maximize profits for all stakeholders involved by offering innovative digital financial solutions.

Fidor Solutions AG, based in Munich, Germany, specializes in developing software products and providing digital services for banking. Established in 2007 and formerly known as Fidor AG, the company is recognized for its modular banking platform, fidorOS, which supports digital banking initiatives through open banking principles. Fidor collaborates with various industries, including banking, retail, and telecommunications, to create customer-centric digital banks. Its offerings include Bank-as-a-Service, Payment-as-a-Service, and licensing of its fidorOS platform, alongside a marketplace called Fidor FinanceBay for fintech and insurtech solutions. The company has garnered accolades such as Celent’s “Model Bank 2015” for Fidor Bank and “2017 Mobile Bank of the Year” for O2 Banking, reflecting its impact on the fintech landscape. As of December 31, 2020, Fidor Solutions operates as a subsidiary of Sopra Banking Software SA and maintains a global presence with offices in major cities including New York, Dubai, and Singapore.

Betterment LLC is an online financial advisory firm based in New York, founded in 2007. The company specializes in automated investing services that help individuals manage their finances through a customized and diversified portfolio. Betterment offers a range of investment options, including traditional and Roth IRAs, 401(k) accounts, and trust accounts, all of which are designed to optimize investment returns. Its services also include financial and retirement planning, tax loss harvesting, and cash management tools, such as the Two-Way Sweep feature. Betterment caters to various customer segments, including individual investors, businesses through Betterment for Business, and financial advisors via Betterment for Advisors. The firm charges a management fee for its services and focuses on providing personalized, goal-based investing solutions to enhance clients' long-term financial success.

Bento for Business is a financial operating platform designed specifically for small and mid-sized businesses (SMBs). The platform enables businesses to issue payment credentials securely, offering virtual and corporate cards along with comprehensive management tools that enhance control and visibility over company expenses. By minimizing fraud and reducing administrative overhead, Bento's solutions allow businesses to streamline their financial processes, freeing them to concentrate on growth and customer value. The company also provides open APIs and white label partnerships, extending its capabilities to automate payments beyond employee expenses. With its headquarters in San Francisco and Chicago, Bento is recognized for its innovative approach to expense management, combining the security of traditional banking with the user-friendly features typical of modern technology firms.

Quantemplate is a technology company that specializes in developing a machine learning data transformation and analytics platform specifically for the insurance industry. Founded in 2012 and headquartered in London, with additional offices in New York and Gibraltar, Quantemplate's platform enables business users to cleanse and harmonize raw data sources using advanced machine learning tools. The platform facilitates various functions such as data integration, mapping, and performance analysis, ultimately allowing users to automate operational processes. By leveraging this technology, leading insurance businesses can enhance their competitive advantage, reduce costs, and support digital transformation initiatives. Quantemplate has been recognized as a notable player in the industry, having been named a European FinTech Top50 company and a Global InsurTech Top21.

Moven is a company that specializes in mobile banking and personal finance solutions, aimed at enhancing financial wellness for users. Founded in 2011 and headquartered in New York, Moven provides a platform that allows banks and non-bank partners to acquire and engage customers effectively. Its offerings include a mobile money-management application, a debit card, and a contactless payment sticker, all designed to deliver real-time spending insights. These tools empower users to make informed financial decisions and promote savings. Moven's innovative, data-driven services are tailored to improve the financial health of customers, allowing financial institutions to focus on fostering stronger relationships with their clientele.

Bento for Business is a financial operating platform designed specifically for small and mid-sized businesses (SMBs). The platform enables businesses to issue payment credentials securely, offering virtual and corporate cards along with comprehensive management tools that enhance control and visibility over company expenses. By minimizing fraud and reducing administrative overhead, Bento's solutions allow businesses to streamline their financial processes, freeing them to concentrate on growth and customer value. The company also provides open APIs and white label partnerships, extending its capabilities to automate payments beyond employee expenses. With its headquarters in San Francisco and Chicago, Bento is recognized for its innovative approach to expense management, combining the security of traditional banking with the user-friendly features typical of modern technology firms.

Betterment LLC is an online financial advisory firm based in New York, founded in 2007. The company specializes in automated investing services that help individuals manage their finances through a customized and diversified portfolio. Betterment offers a range of investment options, including traditional and Roth IRAs, 401(k) accounts, and trust accounts, all of which are designed to optimize investment returns. Its services also include financial and retirement planning, tax loss harvesting, and cash management tools, such as the Two-Way Sweep feature. Betterment caters to various customer segments, including individual investors, businesses through Betterment for Business, and financial advisors via Betterment for Advisors. The firm charges a management fee for its services and focuses on providing personalized, goal-based investing solutions to enhance clients' long-term financial success.

Jumo is a fintech company that specializes in providing banking technology aimed at enhancing financial access in emerging markets, particularly in Africa and Asia. The company partners with banks to deliver loans, savings, and various financial services to traditionally underserved customers. By utilizing artificial intelligence and machine learning, Jumo develops credit scores and financial products tailored to individual needs. Their platform also employs behavioral data from mobile usage to establish financial identities for small and medium enterprises, allowing customers to engage with financial services in a cost-effective and responsible manner. Jumo offers essential reporting, analytics, and insights to its partners, facilitating improved service delivery and financial choices for their clients.

Happy Money, Inc. is a financial services company that focuses on helping individuals pay off credit card debt and build savings. The company offers a range of products, including Payoff, which provides loans specifically for credit card repayment, and Joy, a mobile application that utilizes robotic Money Coaches to assist users in spending wisely and enhancing their savings. Additionally, Happy Money Score leverages psychological insights to guide users in making informed financial decisions. Established in 2009 in Costa Mesa, California, Happy Money was originally known as Payoff, Inc. before rebranding in March 2020. The company emphasizes a mission-driven approach to finance, aiming to transform the traditional banking model by promoting financial wellness and encouraging users to shift from borrowing to saving.

Betterment LLC is an online financial advisory firm based in New York, founded in 2007. The company specializes in automated investing services that help individuals manage their finances through a customized and diversified portfolio. Betterment offers a range of investment options, including traditional and Roth IRAs, 401(k) accounts, and trust accounts, all of which are designed to optimize investment returns. Its services also include financial and retirement planning, tax loss harvesting, and cash management tools, such as the Two-Way Sweep feature. Betterment caters to various customer segments, including individual investors, businesses through Betterment for Business, and financial advisors via Betterment for Advisors. The firm charges a management fee for its services and focuses on providing personalized, goal-based investing solutions to enhance clients' long-term financial success.

Moven is a company that specializes in mobile banking and personal finance solutions, aimed at enhancing financial wellness for users. Founded in 2011 and headquartered in New York, Moven provides a platform that allows banks and non-bank partners to acquire and engage customers effectively. Its offerings include a mobile money-management application, a debit card, and a contactless payment sticker, all designed to deliver real-time spending insights. These tools empower users to make informed financial decisions and promote savings. Moven's innovative, data-driven services are tailored to improve the financial health of customers, allowing financial institutions to focus on fostering stronger relationships with their clientele.

Xenapto is a service that specializes in investment data management, catering to venture capitalists and individual investors. Its platform facilitates the management of both pre- and post-investment activities, allowing users to oversee boards of directors and stay informed about company performance. By integrating modern productivity tools into a flexible workflow, Xenapto supports investors throughout the entire investment lifecycle, from initial research to exit strategies. This comprehensive approach enables users to effectively track their investment plans and procedures, enhancing overall management and decision-making in the investment process.

eToro is a global multi-asset investment platform founded in 2007, based in London. It empowers individuals to grow their knowledge and wealth by providing a social trading network that allows users to trade various assets including currencies, commodities, indices, crypto assets, and stocks. eToro's platform enables users to manually invest in different asset classes or automatically copy the trades of other successful traders within its community of over 23 million registered users. The company operates as a subsidiary of eToro Group Limited.

Fidor Solutions AG, based in Munich, Germany, specializes in developing software products and providing digital services for banking. Established in 2007 and formerly known as Fidor AG, the company is recognized for its modular banking platform, fidorOS, which supports digital banking initiatives through open banking principles. Fidor collaborates with various industries, including banking, retail, and telecommunications, to create customer-centric digital banks. Its offerings include Bank-as-a-Service, Payment-as-a-Service, and licensing of its fidorOS platform, alongside a marketplace called Fidor FinanceBay for fintech and insurtech solutions. The company has garnered accolades such as Celent’s “Model Bank 2015” for Fidor Bank and “2017 Mobile Bank of the Year” for O2 Banking, reflecting its impact on the fintech landscape. As of December 31, 2020, Fidor Solutions operates as a subsidiary of Sopra Banking Software SA and maintains a global presence with offices in major cities including New York, Dubai, and Singapore.

Simple is a web and mobile application that unifies various accounts into one accessible bank card. Rather than making money from different fees, Simple plans to split the net interest margin with its partner banks (the difference between the rate they lend at and the rate they pay to depositors), thus eliminating the incentive to push more confusing products at consumers. Simple has more than 100,000 customers, processed $1.7 billion in annual transactions last year, and experienced 330% customer growth. Simple was launched by Alex Payne, Shamir Karkal, and Josh Reich in January 2009 and is based in Portland, Oregon.

Betterment LLC is an online financial advisory firm based in New York, founded in 2007. The company specializes in automated investing services that help individuals manage their finances through a customized and diversified portfolio. Betterment offers a range of investment options, including traditional and Roth IRAs, 401(k) accounts, and trust accounts, all of which are designed to optimize investment returns. Its services also include financial and retirement planning, tax loss harvesting, and cash management tools, such as the Two-Way Sweep feature. Betterment caters to various customer segments, including individual investors, businesses through Betterment for Business, and financial advisors via Betterment for Advisors. The firm charges a management fee for its services and focuses on providing personalized, goal-based investing solutions to enhance clients' long-term financial success.

Simple is a web and mobile application that unifies various accounts into one accessible bank card. Rather than making money from different fees, Simple plans to split the net interest margin with its partner banks (the difference between the rate they lend at and the rate they pay to depositors), thus eliminating the incentive to push more confusing products at consumers. Simple has more than 100,000 customers, processed $1.7 billion in annual transactions last year, and experienced 330% customer growth. Simple was launched by Alex Payne, Shamir Karkal, and Josh Reich in January 2009 and is based in Portland, Oregon.

Simple is a web and mobile application that unifies various accounts into one accessible bank card. Rather than making money from different fees, Simple plans to split the net interest margin with its partner banks (the difference between the rate they lend at and the rate they pay to depositors), thus eliminating the incentive to push more confusing products at consumers. Simple has more than 100,000 customers, processed $1.7 billion in annual transactions last year, and experienced 330% customer growth. Simple was launched by Alex Payne, Shamir Karkal, and Josh Reich in January 2009 and is based in Portland, Oregon.