Better Tomorrow Ventures

Salsa develops a modern payroll API for software platforms. Its platform caters to today's workforce needs, offering a wide range of payroll use cases without burdening frontend code with business logic. It enables businesses to embed payroll workflows into their platforms, ensuring employees are paid accurately and compliance is handled.

Deck develops infrastructure and cognitive tools to help individuals solve problems.

Divibank is a fintech company that develops software to facilitate business access to financial products and services from accredited institutions. Its platform integrates multiple payment methods, aiming to reduce costs, increase transaction approvals, and drive sustainable growth for businesses seeking efficient expansion.

Notes.fm provides a platform that helps musicians manage and reclaim royalties by consolidating revenue streams and collecting unclaimed royalties, enabling artists to own all revenue generated from their creations.

Ethos is creating an end-to-end platform for model risk management in financial services.

BRKZ is a construction technology company that empowers contractors by offering a one-stop solution for purchasing building materials. It provides features such as registration, quotation management, and material procurement to streamline the construction process.

Nilus is a platform that automates payment operations, providing solutions for reconciliation, reporting, and payment workflows. By integrating data from various payment providers, banks, and enterprise resource planning systems, Nilus offers a singular source of financial truth for organizations, enhancing transparency and control over financial activities. The platform enables finance teams to streamline their operations through automated workflows, pre-built data connectors, and advanced reconciliation algorithms, reducing reliance on technical teams and manual processes. With features that include custom payment flows, wallet launching, and transaction attribution, Nilus empowers clients to automate their financial operations effectively.

FPL Technologies Pvt. Ltd., founded in 2019 and headquartered in Mumbai, India, focuses on providing innovative financial solutions for a digitally savvy younger population. The company has developed a proprietary technology platform that aims to enhance the credit card experience, capitalizing on the growing demand for consumption credit in India. With the recent surge in digital payment adoption, FPL recognizes the need for a more user-friendly approach to credit management. Their flagship product, the One Score app, launched to help users check and understand their credit scores, offers a secure and straightforward way to manage credit behavior. By integrating an intuitive mobile application with their credit card services, FPL Technologies seeks to meet the evolving needs of millennials and improve their overall financial literacy and credit experience.

Stay is a long-term incentive platform. We are working to decomplicate the task of investing in the future: both for companies and for their collaborators.

Deck develops infrastructure and cognitive tools to help individuals solve problems.

Permanent develops a digital platform that enables direct wholesale sourcing of foods from vendors for clients.

Agree.com is the best solution for creating and managing contracts, streamlining negotiations, enhancing compliance, optimizing workflows, and converting more customers — all within one intuitive platform. View edits, track signatures, and get alerted on all upcoming key milestones. Include free, one-click e-signatures with identity verification on every agreement. Increase deal velocity and drive revenue impact with integrated payments.

Cadana facilitates global hiring by enabling companies to compliantly hire and pay employees in over a hundred countries.

BrikMate employs artificial intelligence to simplify lease data management for commercial real estate professionals. Its platform automates data extraction and delivers instant insights, enhancing efficiency and accuracy in lease tracking and compliance checks.

Layer Financial Technologies, established in 2023, specializes in embedded accounting solutions. It integrates accounting and bookkeeping tools directly into platforms used by small and medium-sized businesses (SMBs), aiming to replace traditional software like Quickbooks. The company, founded by former Square and Wealthfront leaders, provides APIs that enable platform customers to securely pass financial data to Layer's system. This allows SMBs to manage their finances seamlessly within their existing platforms, without the need for separate accounting software. Layer offers a comprehensive suite of accounting functionality, including automated bookkeeping, cash flow insights, tax-ready financials, and general ledger, helping SMBs focus on core business operations.

Capa is an interoperability protocol that connects fiat and blockchains in LATAM.

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

Relay is an-all-in-one, collaborative business banking and money management platform that helps small businesses and their teams take control of their cash flow and get crystal clear on what they’re earning, spending and saving. With Relay, business owners can: -Bank with no monthly account fees, no overdraft fees, and no minimum balance required -Organize income, expenses and cash reserves using up to 20 individual accounts -2 savings accounts offering between 1-3% APY -Issue up to 50 virtual or physical Visa® debit cards to meticulously organize spending by team or project -Send payments and deposits via ACH, wires or checks -Cashflow automations, like maximum balance transfer rules and recurring payments -Give team members and financial advisors secure, role-based banking access -Integrate banking with accounting softwares like QuickBooks Online and Xero -Get personalized customer support by email and phone Relay is also the official banking partner of Profit First, the cash flow management methodology and book created by serial entrepreneur Mike Michalowicz.

PostCredit is a fintech company that specializes in automating spending for film and television productions. It provides bank accounts tailored for productions and issues spend cards through the Visa network. The company's platform streamlines financial processes by offering automated p-card issuance, real-time expense tracking, virtual and physical card options, and automated reconciliation. This enables production teams to reduce administrative tasks, save time and money, and concentrate more on their creative work.

Charlie is the new standard for 62+ banking* services. Charlie helps retirees make the most of their limited resources with features including faster access to their Social Security check, competitive earnings on deposits, no monthly fees or minimums, US-based customer service, and a simple, transparent digital experience designed for their needs. Charlie is transforming financial assistance for the 62+ community and providing peace of mind around their financial present and future. Charlie is not a bank, banking services provided by Sutton Bank; Member FDIC. To learn more, visit Charlie.com.

Charlie is the new standard for 62+ banking* services. Charlie helps retirees make the most of their limited resources with features including faster access to their Social Security check, competitive earnings on deposits, no monthly fees or minimums, US-based customer service, and a simple, transparent digital experience designed for their needs. Charlie is transforming financial assistance for the 62+ community and providing peace of mind around their financial present and future. Charlie is not a bank, banking services provided by Sutton Bank; Member FDIC. To learn more, visit Charlie.com.

Basis develops AI agents that assist accountants by automating accounting workflows. The agents integrate with existing systems and adapt to the needs of each engagement. The company serves industries such as finance and accounting.

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

Collective operates as an online back-office platform designed for self-employed people. Its technology and a team of trusted advisors give its members the freedom to focus on what matters by taking care of everything from business incorporation to accounting, bookkeeping, tax services, and access to a community all in one platform.

Pave helps consumer and SMB credit risk teams increase approvals through AI-powered cashflow analytics. 100 million+ US consumers and businesses are financially underserved, simply because their data is not recognized by the traditional financial system. We solve this by transforming transaction data, loan performance outcomes, and credit reports into Cashflow-driven Attributes and Scores, enabling increased financial access to new customer segments without increasing risk. Our mission is to build a future where every person and business has access to equitable credit solutions by creating a new standard of Cashflow-driven Analytics.

Trébol is a technology company that specializes in providing infrastructure for neobanks and fintech lenders, focusing on automating the onboarding process for financial institutions. The company's application programming platform facilitates efficient workflows and secure connections with various financial services, including payment, commerce, tax, and accounting systems. By standardizing data and distributing it through a universal application programming interface, Trébol's software eliminates manual tasks such as document data extraction and retrieval of official company records. This automation allows businesses to enhance their operational efficiency, reducing both time and costs associated with traditional processes.

Charlie is the new standard for 62+ banking* services. Charlie helps retirees make the most of their limited resources with features including faster access to their Social Security check, competitive earnings on deposits, no monthly fees or minimums, US-based customer service, and a simple, transparent digital experience designed for their needs. Charlie is transforming financial assistance for the 62+ community and providing peace of mind around their financial present and future. Charlie is not a bank, banking services provided by Sutton Bank; Member FDIC. To learn more, visit Charlie.com.

Navro specializes in providing payment and banking infrastructure for software companies. Its platform offers tools for real-time insights into payments, efficient tracking of money movements, and streamlined international transactions.

Monnai offers a global financial platform and API infrastructure that enables fintechs and financial institutions to access real-time credit decisions, aggregated financial and digital insights, and end-to-end onboarding, trust and fraud risk management, underwriting, and debt collections. The platform delivers over 500 insights to support decisions across the customer lifecycle and via a unified API streamlines onboarding and related processes, helping businesses reduce costs and grow assets and revenue.

Plumery is a digital engagement platform designed to assist banks of all sizes in creating effective mobile and web experiences for their customers. The company emphasizes the development and maintenance of advanced features and innovative technologies, which help banks enhance their digital initiatives. By offering a comprehensive solution, Plumery aims to provide banks with the tools necessary to deliver engaging experiences, ensuring they are well-equipped for success in a rapidly evolving digital landscape.

Portão 3 is a business-focused platform that combines travel management with expense software, providing reservations for flights, hotels, cars, and insurance to help companies manage corporate travel. The company also develops financial software to manage expenses, approvals, reimbursements, and budgets, including features for reservation management, expense tracking, and multiple payment methods to simplify corporate payments.

BRKZ is a construction technology company that empowers contractors by offering a one-stop solution for purchasing building materials. It provides features such as registration, quotation management, and material procurement to streamline the construction process.

Nilus is a platform that automates payment operations, providing solutions for reconciliation, reporting, and payment workflows. By integrating data from various payment providers, banks, and enterprise resource planning systems, Nilus offers a singular source of financial truth for organizations, enhancing transparency and control over financial activities. The platform enables finance teams to streamline their operations through automated workflows, pre-built data connectors, and advanced reconciliation algorithms, reducing reliance on technical teams and manual processes. With features that include custom payment flows, wallet launching, and transaction attribution, Nilus empowers clients to automate their financial operations effectively.

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

Mendel Biotechnology, Inc. is a plant biotechnology company based in Hayward, California, focused on developing genetic and chemical solutions for various agricultural markets. Founded in 1997, the company specializes in enhancing agricultural productivity through innovations in biofuel feedstocks, yield enhancement, drought and freezing tolerance, disease resistance, nutrient use efficiency, and cold germination. Mendel has established strategic partnerships with notable organizations in the industry, including Monsanto Corporation, BP, and Bayer CropScience. Its operations extend across the United States, Europe, and China, reflecting a commitment to advancing agricultural technology and sustainability.

Navro specializes in providing payment and banking infrastructure for software companies. Its platform offers tools for real-time insights into payments, efficient tracking of money movements, and streamlined international transactions.

LogRock simplifies compliance for trucking companies by centralizing and continuously analyzing critical data like driver qualifications, safety records, and maintenance history. This ensures regulatory readiness, minimizes out-of-service time, reduces insurance risks, and opens opportunities with premium shippers.

Monnai offers a global financial platform and API infrastructure that enables fintechs and financial institutions to access real-time credit decisions, aggregated financial and digital insights, and end-to-end onboarding, trust and fraud risk management, underwriting, and debt collections. The platform delivers over 500 insights to support decisions across the customer lifecycle and via a unified API streamlines onboarding and related processes, helping businesses reduce costs and grow assets and revenue.

Founded in 2021, Flexpa is a San Francisco-based company that develops APIs to integrate claims histories into digital health and fintech apps. Its platform also digitizes data from various hardware providers, interprets it, and creates analytics dashboards for healthcare providers to determine treatment plans.

Clubbi operates a B2B marketplace connecting small merchants like mini-markets and corner stores with suppliers for efficient procurement of consumer goods. It facilitates transactions, enhances operational efficiency, and increases overall industry value by aggregating fragmented markets and streamlining distributor-retailer communication.

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

Freightpay’s mission is to enable the global supply chain to transact more efficiently.

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

Brick specializes in developing financial APIs for fintech products. It facilitates digital processing of end-users' financial data across various platforms like telcos, e-wallets, e-commerce, and super apps, catering to the unique needs of fintech companies.

Amitruck is a mobile and web-based trucking logistics platform based in Nairobi, Kenya, founded in 2018. It connects cargo owners with transporters, enabling users to book deliveries via its online platform and access a driver app to coordinate with drivers. The platform supports real-time shipment tracking, instant quotes, and proximity-based truck availability, delivering end-to-end visibility and streamlined communication throughout the delivery process.

Vitt develops a financial payment platform that enables Software as a Service (SaaS) companies to access non-dilutive venture debt investments. The platform integrates with the client's billing stack and subscription management system, verifying potential payouts based on monthly recurring revenues. This allows clients to enhance their monthly payments without cash flow concerns.

Caplight is a platform that enables institutional investors to trade derivatives tied to private company stock, including call and put options and security-based swap contracts, allowing long and short positions through synthetic and cash-settled instruments. The platform provides hedging, income generation, and liquidity with settlement-like mechanics similar to public markets. It serves a broad range of qualified institutional buyers, such as hedge funds, venture capital funds, family offices, pensions, endowments, mutual funds, and insurance firms. Caplight partners with North Capital Private Securities to offer securities connected to private equities.

Founded in 2020, FarmRaise operates a digital platform connecting farmers to funding opportunities like grants, loans, and programs. It offers financial consulting services and tools for managing farm cash flow and business.

CreditBook is a digital platform in Pakistan that serves micro, small and medium enterprises with financial management tools. Originating as a bookkeeping app, it has expanded into a suite of financial solutions that enable underserved businesses to track pending payments, receive payment reminders, and record all transactions, helping owners make informed decisions. By digitizing core financial processes, the platform supports transparency and efficiency and enables small businesses to extend credit to customers quickly, improving cash flow across local markets in Pakistan.

Clubbi operates a B2B marketplace connecting small merchants like mini-markets and corner stores with suppliers for efficient procurement of consumer goods. It facilitates transactions, enhances operational efficiency, and increases overall industry value by aggregating fragmented markets and streamlining distributor-retailer communication.

Selfbook is a technology-first payment platform for hotels that enables one-tap payments across global credit and debit cards, digital wallets, and alternative methods. It integrates with existing reservation systems to simplify and secure the direct-booking flow, removing barriers to direct bookings and supporting mobile and web transactions. The platform helps hotels improve conversion, increase revenue, and offer modern e-commerce capabilities by unifying payments and streamlining the checkout experience.

Caliza develops global financial infrastructure to facilitate borderless commerce. It enables businesses to offer instant cross-border settlements and regulated digital dollar accounts to their customers, powered by stablecoins.

CashBook is an online application designed to help businesses record and track their income and expenses. Founded in 2020 by Vivek Kumar and Ashutosh Pathak, the company aims to modernize the bookkeeping process for small businesses that still rely on traditional pen-and-paper methods. Its platform offers a digital solution for managing financial records, allowing users to add entries, categorize transactions, and monitor their overall balance in real time. Additionally, CashBook facilitates collaborative bookkeeping by providing a shared network where multiple users can make entries simultaneously, thereby simplifying the financial management process for small enterprises.

Portão 3 is a business-focused platform that combines travel management with expense software, providing reservations for flights, hotels, cars, and insurance to help companies manage corporate travel. The company also develops financial software to manage expenses, approvals, reimbursements, and budgets, including features for reservation management, expense tracking, and multiple payment methods to simplify corporate payments.

Indiagold offers innovative gold-backed financial services, focusing on digitizing credit and investments. It provides a comprehensive suite of services, including instant gold loans with doorstep pick-up and delivery, enabling customers in India to access convenient and secure financial products.

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

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

Selfbook is a technology-first payment platform for hotels that enables one-tap payments across global credit and debit cards, digital wallets, and alternative methods. It integrates with existing reservation systems to simplify and secure the direct-booking flow, removing barriers to direct bookings and supporting mobile and web transactions. The platform helps hotels improve conversion, increase revenue, and offer modern e-commerce capabilities by unifying payments and streamlining the checkout experience.

Relay is an-all-in-one, collaborative business banking and money management platform that helps small businesses and their teams take control of their cash flow and get crystal clear on what they’re earning, spending and saving. With Relay, business owners can: -Bank with no monthly account fees, no overdraft fees, and no minimum balance required -Organize income, expenses and cash reserves using up to 20 individual accounts -2 savings accounts offering between 1-3% APY -Issue up to 50 virtual or physical Visa® debit cards to meticulously organize spending by team or project -Send payments and deposits via ACH, wires or checks -Cashflow automations, like maximum balance transfer rules and recurring payments -Give team members and financial advisors secure, role-based banking access -Integrate banking with accounting softwares like QuickBooks Online and Xero -Get personalized customer support by email and phone Relay is also the official banking partner of Profit First, the cash flow management methodology and book created by serial entrepreneur Mike Michalowicz.

Agora is a compensation platform that helps companies figure out how to pay their employees by making data-driven decisions. It helps companies centralize their data, set their pay structure, benchmark themselves against similar companies in real-time, and communicate total rewards to their candidates and employees. Figure streamlines complicated manual compensation processes into simple, secure, and collaborative workflows. Agora's mission is to bring equity and transparency to compensation for companies, employees, and candidates.

CreditBook is a digital platform in Pakistan that serves micro, small and medium enterprises with financial management tools. Originating as a bookkeeping app, it has expanded into a suite of financial solutions that enable underserved businesses to track pending payments, receive payment reminders, and record all transactions, helping owners make informed decisions. By digitizing core financial processes, the platform supports transparency and efficiency and enables small businesses to extend credit to customers quickly, improving cash flow across local markets in Pakistan.

Mendel Biotechnology, Inc. is a plant biotechnology company based in Hayward, California, focused on developing genetic and chemical solutions for various agricultural markets. Founded in 1997, the company specializes in enhancing agricultural productivity through innovations in biofuel feedstocks, yield enhancement, drought and freezing tolerance, disease resistance, nutrient use efficiency, and cold germination. Mendel has established strategic partnerships with notable organizations in the industry, including Monsanto Corporation, BP, and Bayer CropScience. Its operations extend across the United States, Europe, and China, reflecting a commitment to advancing agricultural technology and sustainability.

CloudTrucks is a San Francisco-based company founded in 2019 that offers a virtual trucking carrier platform designed to help truck owners and operators reduce operating costs by managing and booking loads from brokers and shippers. The platform provides instant payments after load delivery and access to affordable insurance options, enabling users to plan their schedules and design a revenue-maximizing driving program.

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

Pave helps consumer and SMB credit risk teams increase approvals through AI-powered cashflow analytics. 100 million+ US consumers and businesses are financially underserved, simply because their data is not recognized by the traditional financial system. We solve this by transforming transaction data, loan performance outcomes, and credit reports into Cashflow-driven Attributes and Scores, enabling increased financial access to new customer segments without increasing risk. Our mission is to build a future where every person and business has access to equitable credit solutions by creating a new standard of Cashflow-driven Analytics.

Relay is an-all-in-one, collaborative business banking and money management platform that helps small businesses and their teams take control of their cash flow and get crystal clear on what they’re earning, spending and saving. With Relay, business owners can: -Bank with no monthly account fees, no overdraft fees, and no minimum balance required -Organize income, expenses and cash reserves using up to 20 individual accounts -2 savings accounts offering between 1-3% APY -Issue up to 50 virtual or physical Visa® debit cards to meticulously organize spending by team or project -Send payments and deposits via ACH, wires or checks -Cashflow automations, like maximum balance transfer rules and recurring payments -Give team members and financial advisors secure, role-based banking access -Integrate banking with accounting softwares like QuickBooks Online and Xero -Get personalized customer support by email and phone Relay is also the official banking partner of Profit First, the cash flow management methodology and book created by serial entrepreneur Mike Michalowicz.

Punch List, Inc. is a San Francisco-based company founded in 2018 that develops a mobile application designed to facilitate home remodeling projects between independent contractors and homeowners. The app enhances communication by providing features such as messaging, photo sharing, client approval of progress, and payment tracking. It aims to streamline the remodeling process, enabling contractors to manage client communications efficiently and receive payments quickly through digital invoicing. For homeowners, Punch List offers real-time updates on project status, ensuring transparency and adherence to budget. In response to the COVID-19 pandemic, the company introduced a new app called Specialist, which allows professionals and customers to connect via video chat, further simplifying the home improvement process.

Settle is a cash-flow management software company that automates business-to-business payments and helps optimize working capital. The platform provides payment management, payable date control and extensions, paperless invoicing, auto payments, automated purchase orders, and proactive replenishment alerts to streamline procurement, accounts payable automation, and financing, enabling faster billing cycles and improved visibility into liquidity. Founded in 2019 by Alek Koenig and based in San Francisco, Settle serves companies seeking integrated tools to improve cash flow management.

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

Capa is an interoperability protocol that connects fiat and blockchains in LATAM.

Agree.com is the best solution for creating and managing contracts, streamlining negotiations, enhancing compliance, optimizing workflows, and converting more customers — all within one intuitive platform. View edits, track signatures, and get alerted on all upcoming key milestones. Include free, one-click e-signatures with identity verification on every agreement. Increase deal velocity and drive revenue impact with integrated payments.