Clocktower Ventures

Foyer is a company focused on facilitating homeownership for first-time buyers through an innovative savings account platform. The platform is designed to help users establish credible savings accounts specifically for home purchases, combining market savings accounts with potential state tax incentives and rewards for contributions. By streamlining the savings process, Foyer enables customers to accumulate funds more efficiently for their down payments, ultimately assisting them in achieving the goal of homeownership. Through its unique approach, Foyer aims to make the American dream of owning a home more accessible and attainable.

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.

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.

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.

Brightside is a financial health company that specializes in providing a comprehensive platform of financial solutions tailored for employers. The company focuses on addressing the needs of the two-thirds of workers living paycheck to paycheck, whose financial struggles can lead to increased turnover, healthcare expenses, and decreased productivity. Brightside's platform offers personalized services that utilize behavioral science to guide employees and their families toward better financial health. By automating positive financial behaviors and providing easy access to curated financial product options, Brightside aims to enhance workforce productivity, retention, and diversity while simultaneously lowering healthcare costs for employers. The integration of tech-powered financial assistants and a user-friendly app further supports employees in making informed financial decisions.

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.

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.

Z1 is a digital banking application tailored for teenagers and young adults, aiming to foster financial independence among its users. Founded in 2020 by João Pedro Thompson, Thiago Achatz, Sophie Secaf, and Mateus Craveiro, Z1 offers a platform that combines financial education, gamification, and digital banking services. The app enables users to manage their finances responsibly while providing access to digital banking cards without hidden fees. Z1 has garnered support from notable investors, including Maya Capital and Y Combinator, enhancing its credibility and growth potential in the market.

Copper Banking is a financial education platform designed to empower teenagers with essential money management skills and financial literacy. Founded with the goal of providing real-world financial experiences, it offers a mobile app and debit card that allow teens to manage their finances in a supervised environment. The platform facilitates money transfers, direct deposits, and payments, making it easy for users to engage in everyday transactions. Additionally, Copper Banking connects parents and teens, fostering discussions around financial responsibility. Users benefit from exclusive content curated by financial literacy experts, who provide valuable insights and advice to help them make informed financial decisions and work towards achieving financial independence.

M1 is a personal finance platform designed to empower individuals to manage and grow their wealth with ease and automation. The company offers a comprehensive suite of financial tools, including the ability to invest in custom stock and ETF portfolios, access low-cost borrowing, and utilize digital banking services. M1 integrates these services to enhance users' financial well-being, allowing them to take control of their long-term investments. With a significant user base and over $6 billion in assets under management, M1 has garnered numerous accolades, including recognition as a top app for investors and being featured among the best fintech companies. The platform is well-regarded for its user-friendly interface and robust features, making it a popular choice for modern investors seeking a streamlined approach to personal finance.

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.

Crediverso operates a digital financial marketplace tailored for the U.S. Latino community. It provides access to various financial products like credit cards, loans, international money transfers, and credit score tracking, along with relevant financial information. The platform aims to bridge cultural gaps by offering services in both Spanish and English, empowering users to make informed decisions towards achieving financial independence.

Z1 is a digital banking application tailored for teenagers and young adults, aiming to foster financial independence among its users. Founded in 2020 by João Pedro Thompson, Thiago Achatz, Sophie Secaf, and Mateus Craveiro, Z1 offers a platform that combines financial education, gamification, and digital banking services. The app enables users to manage their finances responsibly while providing access to digital banking cards without hidden fees. Z1 has garnered support from notable investors, including Maya Capital and Y Combinator, enhancing its credibility and growth potential in the market.

Z1 is a digital banking application tailored for teenagers and young adults, aiming to foster financial independence among its users. Founded in 2020 by João Pedro Thompson, Thiago Achatz, Sophie Secaf, and Mateus Craveiro, Z1 offers a platform that combines financial education, gamification, and digital banking services. The app enables users to manage their finances responsibly while providing access to digital banking cards without hidden fees. Z1 has garnered support from notable investors, including Maya Capital and Y Combinator, enhancing its credibility and growth potential in the market.

M1 is a personal finance platform designed to empower individuals to manage and grow their wealth with ease and automation. The company offers a comprehensive suite of financial tools, including the ability to invest in custom stock and ETF portfolios, access low-cost borrowing, and utilize digital banking services. M1 integrates these services to enhance users' financial well-being, allowing them to take control of their long-term investments. With a significant user base and over $6 billion in assets under management, M1 has garnered numerous accolades, including recognition as a top app for investors and being featured among the best fintech companies. The platform is well-regarded for its user-friendly interface and robust features, making it a popular choice for modern investors seeking a streamlined approach to personal finance.

M1 is a personal finance platform designed to empower individuals to manage and grow their wealth with ease and automation. The company offers a comprehensive suite of financial tools, including the ability to invest in custom stock and ETF portfolios, access low-cost borrowing, and utilize digital banking services. M1 integrates these services to enhance users' financial well-being, allowing them to take control of their long-term investments. With a significant user base and over $6 billion in assets under management, M1 has garnered numerous accolades, including recognition as a top app for investors and being featured among the best fintech companies. The platform is well-regarded for its user-friendly interface and robust features, making it a popular choice for modern investors seeking a streamlined approach to personal finance.

M1 is a personal finance platform designed to empower individuals to manage and grow their wealth with ease and automation. The company offers a comprehensive suite of financial tools, including the ability to invest in custom stock and ETF portfolios, access low-cost borrowing, and utilize digital banking services. M1 integrates these services to enhance users' financial well-being, allowing them to take control of their long-term investments. With a significant user base and over $6 billion in assets under management, M1 has garnered numerous accolades, including recognition as a top app for investors and being featured among the best fintech companies. The platform is well-regarded for its user-friendly interface and robust features, making it a popular choice for modern investors seeking a streamlined approach to personal finance.

Starship is a financial technology company based in New York City, established in 2016. It focuses on creating a mobile health savings account (HSA) platform that integrates savings, investing, and health-tracking tools. The application allows users to conveniently manage their health savings through automated investing in index funds, streamlined reimbursements, and a user-friendly mobile interface. Additionally, it offers features such as receipt management, card management, and family account oversight, facilitating tax-free healthcare expenses and promoting financial wellness. Starship aims to simplify the process of saving and investing for healthcare needs, making it accessible and efficient for users.

Stackin' is a financial fitness platform aimed at empowering individuals to enhance their financial lives through engaging text messages. With over one million subscribers, it targets a younger demographic by offering tools and curated products that promote healthy financial habits in a fun and judgment-free environment. The platform leverages a custom messaging system, along with data, machine learning, and human interaction, to send personalized messages that educate users on saving money, reducing debt, and starting to invest. Additionally, Stackin' provides financial tips and content designed to inform and entertain its audience, helping them make informed decisions for their financial future.

Borrowell Inc. is a financial technology company based in Toronto, Canada, founded in 2014. It specializes in offering a range of financial products and services, including personal loans, credit cards, and free credit scores. Borrowell operates an online marketplace-lending platform that provides Canadians with access to borrowing options and unsecured consumer loans. The company is dedicated to enhancing financial prosperity for its users by offering tools for credit education, personalized credit coaching, and AI-driven recommendations for financial products. By delivering resources such as credit monitoring and tailored options from marketplace partners, Borrowell aims to help customers secure low-interest loans and improve their overall financial well-being.

Pei Technology Inc., established in 2017 and headquartered in Los Angeles, offers a mobile application called Pei. This app connects to users' existing debit and credit cards, automatically providing cashback in either Bitcoin or USD on eligible purchases. Users can earn up to 20% cashback, in addition to their regular card rewards, fostering savings and Bitcoin accumulation.

Kindur Services Inc., operating as Kindur, is a financial technology company based in New York that focuses on assisting baby boomers in their retirement transition. Established in 2016, Kindur offers a platform designed to enhance financial wellness for retirees and their families. The platform manages various aspects of retirement finances, including savings, pensions, and social security, tailored to different phases of retirement. Kindur provides straightforward digital advice to help users understand their financial situation, covering savings, insurance, social security, and healthcare costs. By offering tools such as a personalized retirement paycheck, Kindur aims to empower individuals to navigate retirement with confidence and prepare for unforeseen expenses.

Steady removes barriers to earn through its income intelligence that supports over 3 million hourly, 1099 and mixed-earners in earning more, an average of over $5,500 per year. Steady's view of income also applies its technology for purposes of income measurement that fills the wage data gap for public and private sector entities that service this worker population in areas such as the administration of public sector benefits. Steady was founded in 2017.

Trim is a personal finance assistant that aims to enhance the financial health of Americans through its automated services. The application analyzes users' spending habits, negotiates bills for services such as cable and internet, cancels unwanted subscriptions, and provides spending insights and recommendations. By leveraging these features, Trim has successfully saved its users over $60 million. The company is supported by a team with extensive experience from renowned organizations and backed by notable venture investors. As Trim continues to expand its offerings, it remains focused on helping individuals manage their finances more effectively and achieve greater financial stability.

Chime is a mobile banking and finance platform that offers users convenient access to banking services through their smartphones. The platform features a unique savings mechanism that automatically allocates a predetermined amount of money into savings after each transaction. Chime generates revenue from transaction fees paid by merchants, which aligns its interests with those of its users, promoting fee avoidance and encouraging savings. Additionally, the platform provides fee-free overdrafts and early access to paychecks, empowering users to gain greater control and flexibility over their financial situations while supporting their efforts to improve credit.

Tomorrow Ideas, Inc. is a company focused on safeguarding families' financial futures through its innovative application. The app offers essential features such as a last will and testament, information on state laws, a revocable living trust, and guardianship arrangements for children and pets. Additionally, it provides tools for calculating net worth and life insurance needs, along with a comparison of term life insurance options and a complimentary insurance policy. Founded in 2015 and headquartered in Seattle, Washington, Tomorrow Ideas ensures its application is accessible on both iOS and Android devices, making it convenient for users to manage their financial planning.

Stackin' is a financial fitness platform aimed at empowering individuals to enhance their financial lives through engaging text messages. With over one million subscribers, it targets a younger demographic by offering tools and curated products that promote healthy financial habits in a fun and judgment-free environment. The platform leverages a custom messaging system, along with data, machine learning, and human interaction, to send personalized messages that educate users on saving money, reducing debt, and starting to invest. Additionally, Stackin' provides financial tips and content designed to inform and entertain its audience, helping them make informed decisions for their financial future.

MoneyLion, Inc. is a mobile banking and financial membership platform based in Sandy, Utah, incorporated in 2013. The company provides an all-in-one mobile banking solution that includes services for banking, lending, and investment. Utilizing analytics and machine learning technology, MoneyLion offers personalized financial advice and streamlined underwriting by gaining a comprehensive view of users' finances. Its platform encourages positive financial behaviors through a built-in rewards system that promotes better financial outcomes. By delivering convenient and low-cost access to various financial services, MoneyLion aims to empower individuals to take control of their financial well-being through its innovative digital platform.

Trim is a personal finance assistant that aims to enhance the financial health of Americans through its automated services. The application analyzes users' spending habits, negotiates bills for services such as cable and internet, cancels unwanted subscriptions, and provides spending insights and recommendations. By leveraging these features, Trim has successfully saved its users over $60 million. The company is supported by a team with extensive experience from renowned organizations and backed by notable venture investors. As Trim continues to expand its offerings, it remains focused on helping individuals manage their finances more effectively and achieve greater financial stability.

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.