Clocktower Technology Ventures

Steadily is an online insurance platform that specializes in providing tailored landlord insurance coverage. Its offerings include protection against a variety of potential damages, such as those caused by weather, fire, water, vandalism, and liability for guest injuries and lawsuits. Steadily simplifies the insurance purchasing process by pre-filling essential data points like property size and year of construction, allowing landlords to obtain quotes and secure coverage directly through a mobile platform. This streamlined approach enhances the experience for property owners, enabling them to address their insurance needs efficiently without the need for intermediaries. Additionally, Steadily integrates with other property management solutions, contributing to a comprehensive suite of tools designed for short-term rental property managers.

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.

Era is a financial management platform driven by AI that makes asset management more accessible.

Vigil operates a modern data platform designed for annuity carriers and distributors. Its platform streamlines post-issue processes at scale, enhancing customer service through features like collaborative issue tracking, forms management library, and API automation.

Openly is an insurance company specializing in homeowners insurance and related property and casualty coverage, sold through independent agents. Founded in 2017 and headquartered in Boston, Massachusetts, it began as a managing general agent and later became a full insurance carrier. Openly uses technology-enabled underwriting and policy servicing to deliver homeowners coverage through its network of independent agents.

Foyer develops a savings account platform aimed at facilitating first-time home purchases. The platform combines market savings accounts with potential state tax benefits and rewards for contributions, helping users accelerate the home-buying process by saving for down payments.

OpenYield operates a bond marketplace designed to provide an equity-like trading experience for corporate bonds, municipals, and Treasurys. Its platform offers automated liquidity, enabling retail brokers and advisors to enhance their fixed-income offerings while reducing costs.

Morada Uno is a technology company that equips real estate brokers and professionals with digital tools and financial products. Its services enable seamless and secure rental processes, enhancing interactions between property owners and tenants.

Mesa is a company focused on making homeownership more affordable and rewarding for consumers. By offering a rewards program, it incentivizes customers to earn benefits for every dollar they spend on their homes. Mesa aims to enhance the financial experience of homeowners, providing them with a platform that not only supports their purchasing decisions but also helps them realize the value of their investments. Through its innovative approach, the company seeks to transform the traditional homeownership landscape by integrating rewards and financial incentives into the process.

Continuum is a technology firm specializing in digital networks for B2B distributors and manufacturers.

Cayena is a B2B marketplace facilitating the $200b+ wholesale food industry in Latin America. It connects restaurants, grocery stores, and other food outlets with multiple suppliers for next-day delivery and additional services. Suppliers benefit from increased high-quality demand without credit risk.

Eventual is a technology company that specializes in creating software and services to safeguard real estate owners from emerging climate-related risks. Their core product is a sophisticated insurance predictability platform, which helps property owners secure stable insurance premiums for extended periods, shielding them from unexpected cost increases and providing financial certainty.

Continuum is a technology firm specializing in digital networks for B2B distributors and manufacturers.

Toku operates an online financial platform designed for B2C companies, focusing on the automation of collections and streamlining the payment process. The platform leverages machine learning to optimize the collection of recurring payments, thereby reducing late payments and enhancing operational efficiency. Toku also provides features that allow companies to manage automatic payment methods, including inactivation and deactivation. By facilitating payment orchestration and offering account-to-account payments, Toku aims to lower payment fees and improve the overall financial operations of its clients.

Ume is a consumer finance platform designed to simplify access to credit, particularly for low-income individuals who lack traditional banking resources. By offering purchase credit through retailers' points of sale, Ume eliminates hidden fees, unclear terms, and high interest rates, fostering a more inclusive financial environment. The platform aims to empower consumers to achieve their personal financial goals while enabling retailers to offer a risk-free credit alternative. Through its competitive pricing and commitment to transparency, Ume seeks to democratize credit access and create an economic landscape that benefits both consumers and retailers.

Grupago specializes in digital microcredit for small and mid-sized businesses (SMBs) in Latin America. It uses artificial intelligence, group collateral, and community distribution to provide credit access to micro-SMBs traditionally overlooked by conventional lending avenues.

Theia Insights develops advanced AI technologies for the global investment community. Its platform is designed by experts in science, engineering, mathematics, and industry practice, offering tools for portfolio construction, optimization, analytics, and risk management to support informed decision-making.

Niko is a Mexico-based provider of solar electricity and solar power services for small businesses and homeowners. It offers a fully integrated platform play, already providing Solar, Battery & EV Charging installations, and a highly sticky analytics app Fully focused on customer experience, Niko provides a 5-star journey owning each step of the value chain in-house, ensuring quality, security and peace of mind for its customers.

Helcim is a payments company that enables small businesses to accept credit card payments with ease and affordability. The company offers a comprehensive payment platform that includes features such as invoicing, online store capabilities, point of sale systems, recurring payment management, API integrations, and multi-currency processing. By focusing on user-friendly tools and a supportive approach, Helcim aims to enhance the payment experience for businesses and their customers. Its services are designed to be accessible and cost-effective, helping businesses thrive while enriching their communities.

Casca is a breakthrough, AI-native software solution for small business and commercial loan origination. From application to closing, Casca dramatically improves the borrower, broker and banker experiences!

Benepass, Inc. is a benefits administration platform that provides startups and small companies with a comprehensive solution for managing and distributing employee perks and benefits. Founded in 2019 and based in New York, Benepass offers a smart debit card and a mobile app, allowing employers to deliver tax-advantaged employee benefits and wellness perks. The platform is designed to enhance flexibility and ease of use, enabling employers to set personalized wellness policies and distribute funds through various methods, including prepaid debit cards, mobile wallets, reimbursements, and a marketplace. By integrating with payroll systems, Benepass streamlines the onboarding and offboarding processes, ensuring tax compliance while also improving employee engagement. The company's focus on financial technology allows it to facilitate the delivery of global benefits tailored to individual employee needs.

Hyperplane AI is an enterprise-grade platform that helps to enhance productivity and efficiency of financial institutions.

RepRally is a B2B marketplace that connects merchants with local retailers, streamlining wholesale distribution. It enrolls brand representatives, manages operations, processes payments, and automates commission payouts, facilitating sales and broadening consumer access to high-quality products.

Copilot for property managers. Blox organizes, orchestrates, and automates admin work allowing remote agents to manage multiple properties. Use your own staff or just buy the work. Blox makes your sites outperform.

QuoteMachine specializes in sales software that facilitates complex sales processes involving human interactions, customized payment terms, or unique orders. Its platform creates microsites for seamless customer experiences, proven to enhance revenue and cash flow in both B2C and B2B settings.

Nexu is a digital platform designed for car dealerships. It uses AI and automation to offer real-time financing solutions, enabling more customers to acquire new or used vehicles with personalized plans and minimal requirements.

Kateri is a business specializing in carbon production, focusing on the potential of grasslands. It offers customized regenerative ranching programs and services, aiming to enhance land's potential and build natural capital. Kateri quantifies regenerative ranching and soil carbon flows using data-driven metrics, and improves infrastructure and technology to increase land's potential. This enables ranchers and farmers to secure new income streams through carbon credits and other nature-based programs.

Openly is an insurance company specializing in homeowners insurance and related property and casualty coverage, sold through independent agents. Founded in 2017 and headquartered in Boston, Massachusetts, it began as a managing general agent and later became a full insurance carrier. Openly uses technology-enabled underwriting and policy servicing to deliver homeowners coverage through its network of independent agents.

Authentic operates a community-based insurance platform offering captive insurance services tailored for small businesses. It simplifies insurance structures, facilitating risk sharing among community members.

Momento is an insurtech company focused on transforming the insurance landscape in Latin America, particularly in the auto insurance sector. Leveraging technology and data, Momento aims to enhance the user experience by simplifying the purchasing process and offering personalized pricing tailored to individual drivers. The platform provides comprehensive services, including driving behavior analysis, information on fines, theft risk assessments in specific areas, and details about affordable gas stations and parking options. Additionally, Momento streamlines the claims process, making it automated and user-friendly, while also targeting the uninsured demographic in Latin America to broaden its market reach.

Steadily is an online insurance platform that specializes in providing tailored landlord insurance coverage. Its offerings include protection against a variety of potential damages, such as those caused by weather, fire, water, vandalism, and liability for guest injuries and lawsuits. Steadily simplifies the insurance purchasing process by pre-filling essential data points like property size and year of construction, allowing landlords to obtain quotes and secure coverage directly through a mobile platform. This streamlined approach enhances the experience for property owners, enabling them to address their insurance needs efficiently without the need for intermediaries. Additionally, Steadily integrates with other property management solutions, contributing to a comprehensive suite of tools designed for short-term rental property managers.

RepRally is a B2B marketplace that connects merchants with local retailers, streamlining wholesale distribution. It enrolls brand representatives, manages operations, processes payments, and automates commission payouts, facilitating sales and broadening consumer access to high-quality products.

Kanastra is a tech-driven backoffice for alternative investments, supporting private credit and private equity facilities. It develops an asset management platform designed to reduce friction in the securitization market, offering banking services, debt issuance, bookkeeping, distribution, passive management, and mirroring, along with real-time analytics and structured data to enable investors and originators to invest with greater freedom and efficiency.

Boom offers an online platform that simplifies rent payments by allowing users to pay with credit or debit cards, bank transfers, and digital wallets. The service aims to provide a flexible and rewarding experience for tenants, enabling them to manage their rent payments according to their schedules. By integrating various payment methods, Boom enhances convenience and accessibility for users while facilitating timely rent transactions.

Constrafor is a technology company focused on the construction sector, providing a cloud-based platform designed to enhance productivity and financial management for general contractors and subcontractors. The platform simplifies and standardizes essential back-office tasks, such as subcontractor procurement, contract management, invoice processing, and diversity procurement, all within a single interface. For general contractors, Constrafor facilitates efficient interactions with subcontractors by managing bids, deadlines, and communication with suppliers. Subcontractors benefit from features like fast receivables financing through an Early Pay Program, which accelerates payment cycles and improves cash flow, enabling them to take on additional projects. By integrating these functionalities, Constrafor aims to revolutionize the construction industry's procurement processes.

Kala is a fintech platform dedicated to enhancing financial inclusion for underbanked segments in Latin America. It operates through a B2B2C credit model, providing innovative lending solutions that streamline access to credit for individuals and businesses. The company's initial offering, Pension Deducted Loans, targets the Silver Economy in Colombia, facilitating loan repayments directly through government-backed pension funds. Kala collaborates with various lenders, including banks and credit unions, to create a fully digital credit process that ensures a seamless experience for users. By focusing on the unique needs of its clientele, Kala aims to optimize revenue generation while contributing to the broader goal of financial accessibility in the region.

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.

Scaleup Finance offers a subscription-based platform designed to enhance the management and administration of financial operations. By providing a digital Chief Financial Officer service and a CXO cockpit for financial management, it enables startups to optimize their finances, allowing them to focus on core business activities.

Daylight is a digital banking platform based in West Hollywood, California, specifically designed for the LGBTQ+ community. Founded in 2020, Daylight offers a range of services including prepaid cards, financial tools, and advice tailored to the unique needs of its members. The platform not only facilitates smarter financial habits but also provides cashback rewards for spending at queer bars and allied businesses. By fostering a supportive community, Daylight aims to empower individuals to navigate the financial system effectively and build a secure future without compromise.

Sensible is a document orchestration platform that converts documents into structured data. The platform runs on AWS, offering scalable, multi‑region deployment and enterprise‑grade service level agreements. Developers can retrieve data by calling a simple API, while the built‑in query language SenseML lets users search and extract information without dealing with the complexities of PDF parsing. The system automatically handles common document issues such as deskewing, ligatures, text cleaning, and line merging, allowing teams to focus on building value rather than managing document automation.

Runa is pioneering a first-of-its-kind payment rail capable of sending and accepting digital value at scale. With Runa, companies can pay the people they serve in any form of digital value, anywhere, instantly. The Runa Network provides a wide range of digital payout types including gift cards, prepaid cards, subscriptions, donations, cryptocurrencies and more. Legacy payment mechanisms struggle to adapt to low-volume, high-velocity transactions both locally and globally, such as sending payouts to gig workers, creators, or sending rewards to customers or employees wherever they are. Runa’s infrastructure and network facilitates payouts to these recipients, helping businesses expand their reach, retain their users while modernizing the way in which they manage and transfer money: instantly, internationally, and free of charge for the senders and the recipient. Runa was established as WeGift in October 2016 by Aron Alexander in London, England.

Brightside is an employer-based financial care platform offering a complete suite of financial solutions to improve the financial health of working families, focusing on frontline workers who are often paycheck-to-paycheck. The platform aims to reduce turnover, healthcare costs, and productivity losses by providing personalized guidance and easy access to curated financial products through tech-powered assistants and an app. It leverages behavioral science to automate actions and influence financial habits, helping employees and their families take the right next steps. By supporting financial wellbeing, Brightside seeks to enhance retention, productivity, and DEI outcomes for employers.

Opto Investments is a private equity firm based in New York, established in 2020. The company provides a comprehensive platform designed for independent investment advisors, enabling them to access private market investments. Opto connects these advisors with top-performing managers and offers a full suite of alternative asset tools, accompanied by expert insights. This approach aims to enhance revenue generation for clients while facilitating access to private investment opportunities, ultimately supporting long-term wealth building.

Rosaly is a fintech company founded by Arbia Smiti in late 2019, focused on enhancing the financial well-being of employees through its innovative platform. The company's services include automatic management of advance payment requests and a comprehensive financial management tool designed to alleviate financial stress for employees. By providing on-demand pay, budget management, and educational resources through its app, Rosaly empowers businesses to support their staff's financial health while ensuring that cash flow remains unaffected.

Founded in 2019, Caju offers a digital platform that enables companies to manage employee benefits efficiently. It provides employees with a single Visa card for various benefit categories such as food, mobility, culture, health, education, and home office.

Pomelo is a fintech-as-a-service platform focused on providing innovative payment solutions in Latin America. The company has developed a digital processing platform designed to enhance payment services by allowing businesses to create virtual accounts and issue prepaid and credit cards. This is achieved through compliant onboarding processes, which facilitate the customization required by fintech companies and embedded finance players for their specific programs. By redefining the possibilities in payment services, Pomelo aims to support the growth and efficiency of financial technology in the region.

Flossy is a tech company that uses artificial intelligence to enhance dental care. It offers an online platform connecting patients with vetted dentists, streamlining appointments, payments, and improving access to affordable dental services.

Arc is a comprehensive finance platform tailored for SaaS startups. It partners with Stripe to offer customized financial products, allowing software founders to borrow, save, and spend on a single digital platform.

Kanastra is a tech-driven backoffice for alternative investments, supporting private credit and private equity facilities. It develops an asset management platform designed to reduce friction in the securitization market, offering banking services, debt issuance, bookkeeping, distribution, passive management, and mirroring, along with real-time analytics and structured data to enable investors and originators to invest with greater freedom and efficiency.

Naya Homes is a property management and hospitality platform focused on enhancing the short-term and vacation rental experience for homeowners in Latin America. The company assists clients in maximizing revenue and alleviating the challenges associated with operating rental properties. Naya Homes provides a range of services including revenue optimization through data-driven insights, multi-channel listing and marketing to increase visibility, financing for furniture and equipment, and interior design solutions. Additionally, the company prioritizes guest satisfaction, ensuring that visitors enjoy a comfortable stay. By offering these comprehensive services, Naya Homes empowers homeowners and real estate developers to improve their financial returns while simplifying property management.

Openly is an insurance company specializing in homeowners insurance and related property and casualty coverage, sold through independent agents. Founded in 2017 and headquartered in Boston, Massachusetts, it began as a managing general agent and later became a full insurance carrier. Openly uses technology-enabled underwriting and policy servicing to deliver homeowners coverage through its network of independent agents.

Destaxa is an integrated financial management platform that simplifies the tracking of business transactions for small and medium entrepreneurs. By auditing each transaction and optimizing fees, the company enhances clients' relationships with credit card machines and aids in recovering amounts due. Destaxa aims to eliminate the complexities of financial management, allowing clients to avoid cumbersome Excel spreadsheets and bureaucratic processes. Its automatic routing solutions enable merchants to work seamlessly with multiple payment acquirers and accept various payment networks, ensuring cost-efficient payment methods for each transaction. Overall, Destaxa provides a practical, safe, and efficient solution that allows entrepreneurs to focus on their core business activities with greater transparency and confidence.

Kushki is a Latin America–focused digital payments platform that offers an integrated payments solution and omnichannel capabilities for e-commerce, m-commerce, and brick‑and‑mortar retail. It provides an API that standardizes the region’s fragmented payments landscape by supporting card payments, bank transfers, and cash networks, with access to more than 300,000 physical payment points. The platform emphasizes local logic and pricing to simplify cross‑border and local transactions and enables rapid integration for merchants. Founded in 2016 in New York City, Kushki operates across Brazil, Chile, Colombia, Ecuador, Mexico, Peru, the United States, and Canada.

Constrafor is a technology company focused on the construction sector, providing a cloud-based platform designed to enhance productivity and financial management for general contractors and subcontractors. The platform simplifies and standardizes essential back-office tasks, such as subcontractor procurement, contract management, invoice processing, and diversity procurement, all within a single interface. For general contractors, Constrafor facilitates efficient interactions with subcontractors by managing bids, deadlines, and communication with suppliers. Subcontractors benefit from features like fast receivables financing through an Early Pay Program, which accelerates payment cycles and improves cash flow, enabling them to take on additional projects. By integrating these functionalities, Constrafor aims to revolutionize the construction industry's procurement processes.

Founded in 2019, Habi is a technology-driven real estate company headquartered in Bogotá, Colombia. It simplifies the homeownership lifecycle for middle-class customers throughout Latin America by providing a proprietary pricing algorithm and platform that enables faster and more efficient buying and selling of homes.

Carmoola is a fintech company that provides an online car financing platform accessed through a mobile app. It offers car loans and financing options with low-interest rates and attractive terms, enabling customers to spread the cost of a vehicle over multiple payments. The service aims to reinvent how people pay for cars by delivering transparent terms with no hidden fees or broker commissions. It emphasizes a streamlined experience and 24/7 support, avoiding traditional call centres to simplify the process of arranging affordable car finance.

Dolado is a Latin American platform that helps small businesses increase sales, improve purchasing, and streamline operations through an integrated suite of e-commerce and financial services. It targets merchants in suburban areas and tier-2 cities where technology adoption is lower, providing tools to buy and sell a wide range of products, such as cell phone accessories, food items, automotive goods, and toys, and to manage inventory, payments, and other retail processes more efficiently.

Kamino is a comprehensive financial management platform tailored for medium-sized businesses in Brazil. It offers embedded B2B payments, real-time data access, and a rigorous approval system for secure payment processing. By automating accounts payable and reconciliation, Kamino has significantly saved businesses time and improved operational efficiency.

Cayena is a B2B marketplace facilitating the $200b+ wholesale food industry in Latin America. It connects restaurants, grocery stores, and other food outlets with multiple suppliers for next-day delivery and additional services. Suppliers benefit from increased high-quality demand without credit risk.

Founded in 2020, Koxa is a New York-based fintech company that develops an API platform connecting enterprise resource planning and accounting software with corporate bank accounts. Its cloud-based tools facilitate secure treasury operations by managing identity, access, permissions, and approvals.

Gaia combines reproductive health data with financial technology to make IVF treatments more accessible, affordable, and personalized.

Monarch Money is a subscription-based platform that provides a personal finance program to track expenses. The platform aims to help consumers plan and manage their financial lives and adds all the transactions, across all bank accounts and credit cards, into one list, and creates a budget to understand where the money is going.

Sagewell Financial is a company comprised of professionals from technology, insurance, financial services, and operations sectors. It is dedicated to transforming the financial landscape for older adults in the United States. The company offers a platform designed to provide security and support during retirement. This includes features such as building a personalized retirement paycheck, free checking accounts, and access to a personal retirement success advocate for guidance.

Nexu is a digital platform designed for car dealerships. It uses AI and automation to offer real-time financing solutions, enabling more customers to acquire new or used vehicles with personalized plans and minimal requirements.

Negotiatus Corp. is a New York-based company founded in 2014 that specializes in online purchasing software. Its flagship platform, Negotiatus, is designed to streamline the entire purchasing process for businesses, allowing administrators and users to place orders, manage spending, and submit payments across various vendors efficiently. The platform offers enterprise-level control and analytics, facilitating a simple and powerful experience from sourcing to payment without the complexities of heavy implementation or maintenance. With a quick onboarding process of fewer than two weeks, Negotiatus is trusted by numerous fast-growing companies across diverse industries, including health and wellness and professional services. The software enables businesses to analyze multiple vendor accounts effortlessly, enhancing operational efficiency and financial oversight.

Nowsta, Inc. is a technology company that offers an all-in-one software solution designed to optimize the management of hourly and event-based workforces. Founded in 2014 and headquartered in Brooklyn, New York, the platform provides essential tools for scheduling, time tracking, and financial management, enabling employers to effectively oversee their hourly staff. By integrating advancements in machine learning and payment technologies, Nowsta aims to enhance communication and streamline payment processes for hourly wage employees. The company's innovative approach seeks to transform workforce management, making it easier for businesses to operate efficiently and support their employees.

Arc is a comprehensive finance platform tailored for SaaS startups. It partners with Stripe to offer customized financial products, allowing software founders to borrow, save, and spend on a single digital platform.

Founded in 2021, Sumer is a technology company based in Bogotá, Colombia with offices in Mexico City. It empowers micro small businesses by providing simple digital tools to grow sales and improve management. The company's core offering is a '15-second store' feature that enables businesses to create an online storefront rapidly, along with a digital ledger and advertising tool to reach new audiences.

BHub is a leading financial back-office solution for SMEs in Latin America. Its AI-powered platform streamlines finance and administrative tasks, offering full outsourcing capabilities for accounts payable/receivable, accounting, taxes, payroll, and other processes. This enables clients to reduce time, costs, and labor associated with these functions.

Resolve operates a B2B payments platform that facilitates 'buy now, pay later' transactions for business purchases. It enables merchants to offer risk-free, extended payment terms to their clients, thereby enhancing sales and cash flow. Resolve serves manufacturers, wholesalers, and distributors across various sales channels, including e-commerce checkouts. The company's platform uses non-traditional underwriting data to authorize delayed payments, assuming all repayment risks within the credit period. Backed by prominent investors such as PayPal co-founder Max Levchin, Resolve aims to bridge the gap between buyers and sellers in the B2B sector.

Kala is a fintech platform dedicated to enhancing financial inclusion for underbanked segments in Latin America. It operates through a B2B2C credit model, providing innovative lending solutions that streamline access to credit for individuals and businesses. The company's initial offering, Pension Deducted Loans, targets the Silver Economy in Colombia, facilitating loan repayments directly through government-backed pension funds. Kala collaborates with various lenders, including banks and credit unions, to create a fully digital credit process that ensures a seamless experience for users. By focusing on the unique needs of its clientele, Kala aims to optimize revenue generation while contributing to the broader goal of financial accessibility in the region.

Founded in 2020 by experienced entrepreneurs, Z1 is a digital banking app designed specifically for teenagers and young adults. It offers financial education, gamification, instant payments, peer-to-peer transfers, and personal finance management tools, empowering users to manage their money responsibly with no hidden fees.

Synergist operates a post-checkout offers platform designed to enhance e-commerce cash flow. It achieves this by presenting credit card offers after the checkout process, thereby increasing sales, conversion rates, and average order values while also facilitating customer acquisition.

Founded in 2019, TripleBlind operates an online platform enabling entities to collaborate on sensitive data and algorithms without compromising privacy. Its software-only solution, delivered via API, focuses on healthcare and financial services, supporting various data types and cloud platforms. Backed by Accenture, General Catalyst, and Mayo Clinic, TripleBlind ensures compliance with HIPAA and GDPR.

Copper Banking is a fintech company focused on providing teens with practical financial education through its app and debit card. It offers real-time account snapshots, in-store/online shopping capabilities via Apple or Google Pay, and exclusive access to financial literacy content curated by experts.

Insurate is a managing general agent (MGA) specializing in workers' compensation insurance, focusing on risk assessment through advanced data science and analytics. The company aims to enhance the underwriting process by identifying businesses that demonstrate above-average safety, allowing them to secure fair and transparent premiums. By utilizing predictive analytics, Insurate helps agents effectively write and retain business, particularly in challenging markets. The organization is committed to rebuilding the workers' compensation insurance landscape to offer significant savings and more equitable coverage for safe companies. Through its innovative approach, Insurate positions itself as a key player in the evolution of insurance underwriting.

Dots is a multichannel payouts API that automates manual processes for marketplaces. Dots' API lets a marketplace pay their sellers in the ways they want to be paid, including Venmo, Paypal, ACH and Zelle. As more Americans earn a living by becoming a 1099 worker, marketplaces need to provide flexible payout options and we make supporting these payouts easy through a single API.

Wethos Virtual Studios enables solo business owners to expand their capabilities by swiftly assembling teams of skilled creatives and marketers. The platform employs agile methodologies to deliver tailored branding, web development, digital content creation, and growth campaigns in real-time.

BHub is a leading financial back-office solution for SMEs in Latin America. Its AI-powered platform streamlines finance and administrative tasks, offering full outsourcing capabilities for accounts payable/receivable, accounting, taxes, payroll, and other processes. This enables clients to reduce time, costs, and labor associated with these functions.

Morada Uno is a technology company that equips real estate brokers and professionals with digital tools and financial products. Its services enable seamless and secure rental processes, enhancing interactions between property owners and tenants.

Kocomo is a proptech startup offering a co-ownership platform for luxury vacation homes. It provides a transparent, end-to-end marketplace that lets users jointly own and enjoy premium properties and manage ownership interests over time, beginning in Mexico. The platform enables browsing, purchasing co-ownership shares, and reserving visit dates, giving access to well-equipped homes at a subsidized price. By combining technology with shared ownership, Kocomo aims to make luxury vacation home ownership more accessible and flexible for a broader audience.

Flink is a consumer fintech platform that lets users save, spend, and invest from a single app. Founded in 2017 in Mexico City, it operates a brokerage service and launched its first brokerage product in June 2020. The company serves more than 1 million users with about 800,000 brokerage accounts, and 90% of traders are first-time investors. Flink focuses on accessible financial services and growth through product, infrastructure, and security improvements to support scale.

DigiSure is a technology platform that provides on-demand insurance services for the sharing economy, focusing on mobility marketplaces and other digital platforms. The company offers screening, insurance management, and claims services to operators and marketplaces, enabling access to user data to help partners understand and control their insurance ecosystems. By applying data-enabled intelligence and automation, DigiSure aims to transform risk management, increasing transparency and responsiveness for digital businesses. Founded in 2018 and based in San Francisco, it serves a global footprint across mobility, short-term rental and other sharing-economy sectors.

Founded in 2019, Caju offers a digital platform that enables companies to manage employee benefits efficiently. It provides employees with a single Visa card for various benefit categories such as food, mobility, culture, health, education, and home office.

Guros is a digital insurance brokerage based in Mexico City, specializing in providing a seamless insurance experience through its proprietary technology. Founded in 2013, the company enables businesses to offer embedded auto insurance solutions to their customers, streamlining the process from quotation to policy issuance. Guros partners with various companies, including Kavak, Creditas, and Coppel, to integrate insurance offerings directly into their purchasing processes. The platform facilitates a user-friendly experience for comparing and managing various types of vehicle insurance, including auto and motorcycle coverage. Looking ahead, Guros plans to expand its services to include insurance for mobile devices, electronics, and home insurance, all while maintaining a focus on enhancing customer satisfaction through embedded solutions.

M1 is a comprehensive personal finance platform offering automated investment management, low-cost borrowing, high-interest checking, and cashback rewards on Visa debit/credit cards. With over $6 billion in assets under management, M1 serves hundreds of thousands of users, earning numerous accolades for its services.

Z1 was created to scan and automate the way decision-making for innovation investments is made. The company has a method to qualify new businesses, in a totally digital way. Inspired and based on acceleration programs that already exist throughout the world and that have already proven their success. During this process the entrepreneur can perform tasks and absorb content that will help him to develop a successful business, saving time and reducing the chance of failures.

Wagmo, Inc. is a Boston-based company that offers monthly wellness insurance plans tailored for pets. Founded in 2017, Wagmo provides a platform that facilitates pet insurance and routine care services. Its wellness plans reimburse pet owners for various routine expenses, including vaccinations, grooming, and preventive medications. By utilizing veterinary data, Wagmo enables pet owners to better predict care costs and optimize their pets' healthcare needs. The company's focus on preventive care helps ensure that pets receive essential services while managing expenses effectively.

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Daylight is a digital banking platform based in West Hollywood, California, specifically designed for the LGBTQ+ community. Founded in 2020, Daylight offers a range of services including prepaid cards, financial tools, and advice tailored to the unique needs of its members. The platform not only facilitates smarter financial habits but also provides cashback rewards for spending at queer bars and allied businesses. By fostering a supportive community, Daylight aims to empower individuals to navigate the financial system effectively and build a secure future without compromise.

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

Crediverso is a digital platform that connects the US Latino community with tailored financial products. It offers services such as credit card comparisons, credit checks, international money transfers, and financial education resources.

Minimum develops a real-time platform that serves as a single source of truth for carbon accounting. Its software calculates a business's carbon footprint, provides personalized coaching to reduce emissions, and helps plan an effective route to net-zero.

Kushki is a Latin America–focused digital payments platform that offers an integrated payments solution and omnichannel capabilities for e-commerce, m-commerce, and brick‑and‑mortar retail. It provides an API that standardizes the region’s fragmented payments landscape by supporting card payments, bank transfers, and cash networks, with access to more than 300,000 physical payment points. The platform emphasizes local logic and pricing to simplify cross‑border and local transactions and enables rapid integration for merchants. Founded in 2016 in New York City, Kushki operates across Brazil, Chile, Colombia, Ecuador, Mexico, Peru, the United States, and Canada.

Constrafor is a technology company focused on the construction sector, providing a cloud-based platform designed to enhance productivity and financial management for general contractors and subcontractors. The platform simplifies and standardizes essential back-office tasks, such as subcontractor procurement, contract management, invoice processing, and diversity procurement, all within a single interface. For general contractors, Constrafor facilitates efficient interactions with subcontractors by managing bids, deadlines, and communication with suppliers. Subcontractors benefit from features like fast receivables financing through an Early Pay Program, which accelerates payment cycles and improves cash flow, enabling them to take on additional projects. By integrating these functionalities, Constrafor aims to revolutionize the construction industry's procurement processes.

Tilled, Inc. is a payments platform based in Boulder, Colorado, that specializes in providing a PayFac-as-a-Service solution for B2B independent software vendors (ISVs). Founded in 2019, Tilled enables software companies to seamlessly integrate payment processing into their applications through modern APIs and SDKs. This turnkey system allows clients to start monetizing payments without incurring upfront costs or the need for additional personnel. By handling the complexities of regulatory compliance and associated liabilities, Tilled simplifies the payment facilitation process, allowing software vendors, marketplaces, and SaaS providers to focus on their core operations while generating revenue from credit card processing.

OnTop is a company that simplifies the process of hiring and managing global teams. It provides an employee recruitment platform designed to streamline onboarding, payroll management, and compliance. The platform features intelligent contracts and a global payment network that allows clients to pay international workers in US dollars effortlessly. Additionally, OnTop automates the filing of necessary documents and government forms associated with the hiring process, enabling companies to efficiently find and integrate suitable candidates without the complexities typically involved in remote employment. By abstracting the challenges of compliance and payment, OnTop enhances the overall experience of remote hiring for its clients.

Founded in 2020 by experienced entrepreneurs, Z1 is a digital banking app designed specifically for teenagers and young adults. It offers financial education, gamification, instant payments, peer-to-peer transfers, and personal finance management tools, empowering users to manage their money responsibly with no hidden fees.

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.

Graviti offers the products needed the most, financed for months. No credit or debit card, no initial payment, no arrears, and with credit approved immediately. It wants to make sure every family in LATAM is able to buy basic appliances for the home by offering fair and accessible financing to acquire them. The company was founded in 2019 and is based in Mexico.