TruStage Ventures

Arkatechture is a data analytics company established in 2012 and based in Portland, Maine. It specializes in delivering Software as a Service (SaaS) business intelligence solutions that integrate various data sources to provide comprehensive executive dashboards and advanced analytics. The company offers a range of services, including business intelligence, analytics, tableau consulting, staff augmentation, and data strategy development. Arkatechture focuses on enhancing data quality, visualization, and management to help organizations effectively address data challenges and optimize their operations. By utilizing dashboard insights, it aids clients in making informed decisions that improve performance against key metrics, identify new member segments, and increase engagement with existing members.

Debbie is a mobile platform designed to help consumers achieve financial stability by rewarding them for reaching specific financial goals. Unlike traditional systems that reward spending, Debbie focuses on positive reinforcement and financial incentives to address negative behaviors contributing to financial insecurity. The company has assisted over 10,000 individuals in paying off more than $1 million in debt and saving over $10 million. Founded by experts with backgrounds in personal lending and venture capital, Debbie offers a platform that visualizes debt payoff progress and provides cashback for activities such as paying off credit cards, mortgages, buy now pay later services, side hustling, and medical debt payment.

Clutch provides solutions for transforming Credit Unions into modern FinTechs, focusing on loan and deposit onboarding. The company addresses inefficiencies in traditional banking by offering tailored digital experiences that improve member satisfaction and operational efficiency.

Uprise is building wealth management for all - bringing the tools and the tricks of the 1% to everyone :). The company was founded by Chris Goodmacher and Jessica Chen Riolfi.

Ascent Platform develops and creates software and online tools to develop infrastructure of data storage. It is based in New York, USA.

Pulsate is a marketing communication software company that specializes in enabling businesses to engage directly with customers through personalized, location-based campaigns. The platform allows users to design and distribute rich media content to customers' devices, fostering deeper customer relationships by facilitating dialogue and feedback. By targeting specific locations, including street-level and competitor sites, Pulsate helps increase foot traffic and optimize marketing efforts through segmentation. The integration of iBeacons technology enhances the understanding of indoor customer location and context, allowing for precise targeting and campaign management via the Pulsate cloud platform. Ultimately, Pulsate provides clients with valuable insights into mobile customer behavior and comprehensive data on their marketing campaigns, enhancing user engagement and brand loyalty.

Happy Money, Inc. is a financial services company based in Costa Mesa, California, that focuses on helping individuals pay off credit card debt and build savings. Founded in 2009, the company originally operated under the name Payoff, Inc. before rebranding in March 2020. Happy Money offers a range of innovative products, including Payoff, a loan program specifically designed to assist customers in managing their credit card obligations; Joy, a mobile application featuring robotic Money Coaches that guide users in spending wisely and saving effectively; and the Happy Money Score, which combines psychological insights to enhance financial decision-making. The company emphasizes a mission-driven approach, aiming to transform the financial landscape by encouraging borrowers to become savers and promoting a more mindful form of capitalism. Through its unique platform, Happy Money integrates financial products with dedicated support and educational resources to foster long-term financial wellness for its members.

DataVisor Inc. is a technology company specializing in fraud and financial crime detection through advanced big data solutions. Founded in 2013 and headquartered in Mountain View, California, the company employs unsupervised machine learning to identify and predict attack vectors across various user accounts. Its flagship products include dCube, a proactive fraud management solution that detects known and unknown fraud, and dVector, which provides accurate fraud signals and contextual analysis for effective decision-making. DataVisor also offers dEdge, which gathers real-time intelligence from connected devices to safeguard mobile and web applications against manipulation and threats. The company's solutions address a wide range of issues, including account takeovers, fake accounts, transaction fraud, and content moderation, serving industries such as financial services, e-commerce, social platforms, and telecommunications.

Clerkie is an AI-driven financial planning company that focuses on helping individuals manage their debt more effectively. It offers a proprietary financial automation platform that leverages conversational AI to create detailed financial knowledge graphs. This technology enables users to receive personalized answers and actionable plans tailored to their financial situations. By combining expert financial advice with automated processes, Clerkie aims to simplify the management of debt for its users, making it easier for them to take proactive steps towards alleviating their financial burdens. The platform serves both consumers seeking financial guidance and creditors looking to manage loan losses effectively.

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.

Zest AI, Inc. is a technology company based in Burbank, California, that specializes in artificial intelligence solutions for credit underwriting. Founded in 2009 and formerly known as ZestFinance, the company has developed a platform that utilizes advanced machine learning techniques to enhance credit decision-making processes. Zest AI's Model Management System allows lenders to analyze extensive credit data, increasing approval rates while mitigating the risks associated with credit decisions. The platform also emphasizes transparency and compliance, enabling lenders to understand and explain their data modeling results effectively. Through its innovative technology, Zest AI aims to make credit more accessible and fair, helping lenders improve their decision-making and ultimately provide better loan options to a wider array of consumers. The company has a strategic partnership with Microsoft, which supports its mission to expand the availability of credit.

Union Credit is a fintech company specializing in an embedded lending marketplace that streamlines the borrowing process for consumers. The company operates a credit union platform that offers qualified individuals Perpetual Credit Approval, allowing them to activate loans with a simple one-click process. This innovative approach integrates lending seamlessly into everyday transactions, enhancing user experience by providing timely access to credit. By facilitating the purchasing and financing lifecycle, Union Credit enables publishers to engage with consumers effectively at critical moments, thereby optimizing the lending process and promoting financial accessibility.

Hello Divorce is an innovative online platform designed to streamline the divorce process, making it faster and more affordable. By utilizing a combination of software, self-service tools, and legal expertise, the company significantly reduces the time and cost typically associated with divorce proceedings. The platform offers guided assistance through a web application that employs artificial intelligence and conditional logic, allowing users to navigate their divorce with clarity and ease. Clients can access personalized divorce plans, strategy sessions with legal professionals, and maneuvering sessions, all aimed at achieving equitable outcomes while minimizing stress and confusion. Overall, Hello Divorce seeks to transform the traditional divorce experience into a more accessible and efficient process.

Momnt is a provider of modern lending solutions that enables businesses to offer affordable and low-friction finance at the point of need. The company operates an embedded financial services platform designed to streamline digital lending and payments. Utilizing alternative data sources along with machine learning and artificial intelligence, Momnt's API-based platform generates real-time loan offers tailored to individual borrowers. This approach ensures compliance with current financial regulations while delivering a transparent borrowing experience for consumers. By facilitating these innovative loans, Momnt not only supports the growth of merchants but also helps maintain the vital role of financial institutions in the lending process.

Caribou is a financial technology company that specializes in automotive refinancing services, aimed at helping drivers manage their auto finances more effectively. By partnering with trusted lenders, Caribou facilitates access to better rates and lower monthly payments, enabling customers to save an average of over $115 per month on their car payments. In addition to auto refinancing, the company offers a range of supplementary services, including auto insurance, total loss protection, guaranteed asset protection, key replacement coverage, and cosmetic care packages. Through these offerings, Caribou strives to provide comprehensive solutions that enhance the financial well-being of its customers while simplifying their automotive financial management.

Cushion is a venture-backed FinTech startup that is changing the way consumers pay their recurring bills. Our goal is to help Americans pay all of their bills in full and on time while avoiding nasty fees and penalties. To bring this vision to life, we are reimagining the experience from the ground up and looking for the best of the best people to join our team as we bring our game-changing bill pay solution to the tens of millions of Americans who need it: https://angel.co/company/cushion_ai/jobs

Posh develops a conversational AI platform for the banking industry. Its platform creates AI assistants that help frontline staff and customer interactions. Purpose-built for financial services, Posh’s AI spans voice, digital, and knowledge channels, offering conversational customer service, 24/7 self-service, and increased employee efficiency.

RenoFi is a financial technology company that operates a renovation financing marketplace, connecting homeowners with local banks to facilitate renovation loans. By utilizing its technology platform, RenoFi enables lenders to provide loans based on the after renovation value of a home rather than its current market value, allowing homeowners to borrow larger amounts at lower interest rates. The platform not only offers competitive renovation loan options but also includes home valuation services, ensuring that homeowners have access to instant loan solutions to enhance the value of their properties.

Happy Money, Inc. is a financial services company based in Costa Mesa, California, that focuses on helping individuals pay off credit card debt and build savings. Founded in 2009, the company originally operated under the name Payoff, Inc. before rebranding in March 2020. Happy Money offers a range of innovative products, including Payoff, a loan program specifically designed to assist customers in managing their credit card obligations; Joy, a mobile application featuring robotic Money Coaches that guide users in spending wisely and saving effectively; and the Happy Money Score, which combines psychological insights to enhance financial decision-making. The company emphasizes a mission-driven approach, aiming to transform the financial landscape by encouraging borrowers to become savers and promoting a more mindful form of capitalism. Through its unique platform, Happy Money integrates financial products with dedicated support and educational resources to foster long-term financial wellness for its members.

Finch is a financial technology company based in Boston, Massachusetts, that provides an innovative online trading platform designed to simplify investing. Founded in 2019, Finch allows users to earn investment returns by automatically investing their cash balances into a diversified portfolio of exchange-traded funds (ETFs) tailored to their individual risk profiles. This unique approach ensures that users’ entire balance is actively working for them from the outset. Additionally, Finch offers instant access to funds, including those that are invested, enhancing liquidity for users. The platform also features a rewards card that enables customers to earn cash back on purchases, which can be automatically reinvested to foster financial growth. Through these services, Finch aims to make investing accessible and straightforward for its users.

Posh is a conversational AI and NLP technology development company that enables developers to deliver a new way to interact with users. With Posh, website actions that takes minutes to complete can be sped up to just seconds with a simple message from bots. Companies in finanical services, healthcare, utilities, and beyond are using the Posh platform to re-create call centers and automate routine requests for both customers and staff while saving time and money. The company wants to make the internet experience easier and more enjoyable. Posh was launched on 2015 and is based in Boston, Massachusetts.

Tred is a car trading platform that facilitates the buying and selling of pre-owned vehicles. It operates with a focus on connecting trusted buyers and sellers through an advanced technological framework. The platform merges the security of dealership transactions with the competitive pricing typically found in the private market. Tred allows users to control the listing price of their vehicles and provides tracking for page views, enhancing the selling experience. Additionally, it offers features that enable potential buyers to test drive and purchase cars directly from their own homes, streamlining the overall transaction process.

Home Lending Pal is a developer of innovative lending software that utilizes artificial intelligence to provide mortgage advisory services. The company's platform predicts the likelihood of mortgage approval and reveals hidden ownership costs, thereby empowering consumers to make informed home-buying decisions. Home Lending Pal also offers solutions to lenders, charging monthly fees for software and marketing services aimed at enhancing fairness and compliance within the mortgage industry. By challenging the misconception that increased fairness leads to reduced profits, the company fosters trust and engagement with marginalized communities. Its customer success teams focus on optimizing marketing efforts to boost application volumes and approval rates, ultimately enhancing the overall efficiency and readiness of lending institutions.

Sunny Day Fund specializes in providing banking and emergency savings services, primarily through its employer-focused platform. This platform automates and incentivizes workplace emergency savings, helping employees build accessible savings through their employers, with optional cash incentives. Additionally, the company offers a financial well-being diagnostic tool. Interested parties can inquire about these services through an online form on their website.

Momnt is a provider of modern lending solutions that enables businesses to offer affordable and low-friction finance at the point of need. The company operates an embedded financial services platform designed to streamline digital lending and payments. Utilizing alternative data sources along with machine learning and artificial intelligence, Momnt's API-based platform generates real-time loan offers tailored to individual borrowers. This approach ensures compliance with current financial regulations while delivering a transparent borrowing experience for consumers. By facilitating these innovative loans, Momnt not only supports the growth of merchants but also helps maintain the vital role of financial institutions in the lending process.

SmartAsset is an online platform that provides consumer-focused financial information and advice, facilitating connections between consumers and financial advisors through its SmartAdvisor marketplace. The company reaches approximately 75 million individuals monthly with its educational content, personalized calculators, and financial tools designed to guide users in making informed personal finance decisions related to home buying, retirement, and taxes. SmartAsset has garnered recognition for its rapid growth and innovation, being named one of the fastest-growing private companies and receiving accolades for its financial planning technology. The company recently completed a significant funding round, further solidifying its valuation and position in the financial technology sector.

Splash Financial, established in 2013 and headquartered in Cleveland, Ohio, operates as a student loan refinancing company. It specializes in providing online lending solutions for college graduates to consolidate and refinance both federal and private student loans. The company's mission is to empower borrowers by helping them shop and compare financial products from its network of credit union and bank partners, aiming to reduce debt burdens through savings facilitated by its automated underwriting platform.

Eltropy India is a digital communications platform designed to enhance engagement and revenue for financial service institutions. The company enables secure and compliant digital interactions through various channels, including text, video, audio, secure chat, and social messaging. Its platform serves a diverse range of clients, including credit unions, banks, debt collectors, insurance companies, lenders, and fintech firms, helping them improve operations and productivity. Eltropy also offers integration with IT systems such as Symitar and Corelation, along with analytics tools that provide valuable insights into customer engagement.

Caribou is a financial technology company that specializes in automotive refinancing services, aimed at helping drivers manage their auto finances more effectively. By partnering with trusted lenders, Caribou facilitates access to better rates and lower monthly payments, enabling customers to save an average of over $115 per month on their car payments. In addition to auto refinancing, the company offers a range of supplementary services, including auto insurance, total loss protection, guaranteed asset protection, key replacement coverage, and cosmetic care packages. Through these offerings, Caribou strives to provide comprehensive solutions that enhance the financial well-being of its customers while simplifying their automotive financial management.

Beem is an innovative financial technology company that offers an instant cash app targeted primarily at working-class Americans. By leveraging artificial intelligence, Beem addresses the financial challenges faced by individuals earning below the 80th income percentile, particularly those without access to credit cards or sufficient income to manage cash flow mismatches for everyday expenses. The application enables users to obtain quick cash without interest, significantly easing the financial strain related to essential services, which can cost upwards of $1,400 monthly. Beem aims to integrate various segments of the informal economy into the formal economy, providing financial solutions that benefit a diverse user base, including immigrants, gig workers, and seasonal earners. With plans to expand its impact internationally, Beem is poised to address financial inequities, beginning with efforts in the United States and future initiatives in India.

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.

Splash Financial, established in 2013 and headquartered in Cleveland, Ohio, operates as a student loan refinancing company. It specializes in providing online lending solutions for college graduates to consolidate and refinance both federal and private student loans. The company's mission is to empower borrowers by helping them shop and compare financial products from its network of credit union and bank partners, aiming to reduce debt burdens through savings facilitated by its automated underwriting platform.

Jenny Life, Inc. is an insurance technology company headquartered in Seattle, Washington, that specializes in providing life insurance through a mobile application. Founded in 2018 by Chirag Pancholi and Lief Larson, Jenny Life aims to simplify the life insurance purchasing process, which traditionally takes several weeks. The company's platform allows users, particularly busy women and mothers, to obtain quotes, apply for coverage without a health exam, and complete purchases significantly faster than conventional methods. By focusing on serving women and underrepresented groups, Jenny Life seeks to address the mortality protection gap and make life insurance more accessible. The company was originally known as Betty Life Company before rebranding.

Caribou is a financial technology company that specializes in automotive refinancing services, aimed at helping drivers manage their auto finances more effectively. By partnering with trusted lenders, Caribou facilitates access to better rates and lower monthly payments, enabling customers to save an average of over $115 per month on their car payments. In addition to auto refinancing, the company offers a range of supplementary services, including auto insurance, total loss protection, guaranteed asset protection, key replacement coverage, and cosmetic care packages. Through these offerings, Caribou strives to provide comprehensive solutions that enhance the financial well-being of its customers while simplifying their automotive financial management.

Gabi Personal Insurance Agency, Inc. is an online insurance broker founded in 2016 and headquartered in San Francisco, California. The company offers a free digital tool that allows consumers to compare auto and home insurance rates from various providers, including both established companies and newer entrants in the market. Gabi's technology continuously monitors insurance rates, providing unbiased advice to help customers find optimal coverage at the lowest prices. By connecting to a customer's existing insurance accounts, Gabi's application utilizes intelligent algorithms to streamline the process of comparing policies and facilitates easy switching between providers. This approach saves consumers time and money while ensuring they receive the best possible insurance products tailored to their needs.

BankBI is a provider of business intelligence and analytics solutions tailored for financial institutions. The company offers enterprise-quality software that enables banks to improve their business intelligence capabilities at a lower cost of setup and operation. By utilizing cloud-based technology, BankBI delivers automated reporting and analytics, allowing clients to access accurate and up-to-date information on financial, loan, and deposit performance. The software facilitates daily reporting cycles and enhances financial automation, giving institutions the tools necessary for effective performance management. BankBI's management team leverages extensive experience in banking and software development to create innovative applications and support methodologies that simplify the process of gaining insights into key performance metrics.

Current is a consumer fintech banking platform dedicated to enhancing financial access for everyday Americans. The company focuses on developing integrated solutions that address the barriers preventing individuals from achieving their financial goals. By simplifying banking processes and providing user-friendly tools, Current aims to empower users to build a secure financial future. With backing from prominent investors, Current continues to innovate in the financial technology space, striving to meet the diverse needs of its customer base through modern banking solutions.

Happy Money, Inc. is a financial services company based in Costa Mesa, California, that focuses on helping individuals pay off credit card debt and build savings. Founded in 2009, the company originally operated under the name Payoff, Inc. before rebranding in March 2020. Happy Money offers a range of innovative products, including Payoff, a loan program specifically designed to assist customers in managing their credit card obligations; Joy, a mobile application featuring robotic Money Coaches that guide users in spending wisely and saving effectively; and the Happy Money Score, which combines psychological insights to enhance financial decision-making. The company emphasizes a mission-driven approach, aiming to transform the financial landscape by encouraging borrowers to become savers and promoting a more mindful form of capitalism. Through its unique platform, Happy Money integrates financial products with dedicated support and educational resources to foster long-term financial wellness for its members.

Vault is a technology company based in Austin, Texas, founded in 2013, that specializes in providing a comprehensive platform for student loan management and support. The company offers an intuitive web-based tool designed to assist employees in managing their student debt, empowering them to achieve financial freedom. Vault enables employers to enhance talent acquisition and retention by facilitating contributions to employees' loan repayments while also promoting 401(k) savings. The platform simplifies repayment scenarios and helps users find suitable repayment plans, fostering strong relationships between employers and employees. By addressing the financial burden of student loan debt, Vault positions itself as a valuable resource for organizations looking to support their workforce.

ForeverCar Holdings, Inc., established in 2016 and headquartered in Chicago, Illinois, offers a digital platform designed to facilitate the management of car repair experiences for consumers. The company provides vehicle service plans that allow users to compare coverage options, obtain quotes, and purchase protection plans tailored to their needs and budgets, especially for vehicles not covered by manufacturer warranties. ForeverCar adopts a dual distribution strategy, marketing directly to consumers through its website and collaborating with partners such as Liberty Mutual and CUNA Mutual Group. The platform is designed to streamline the customer journey by managing the entire process of shopping, buying, paying, and submitting claims for service plans. ForeverCar has earned an A+ rating from the Better Business Bureau and has received numerous positive reviews, highlighting its commitment to customer satisfaction.

MortgageHippo, headquartered in Chicago since its founding in 2012, operates a digital lending platform. It offers products such as a real-time loan dashboard for borrowers, a central borrower portal for managing mortgage processes, and a lender portal for business users to access files and communicate with borrowers. These solutions are white-labeled for banks, credit unions, and mortgage lenders, aiming to provide an intuitive and efficient experience for both borrowers and lenders.

Rippleshot, Inc. is a technology company based in Chicago, Illinois, specializing in cloud-based predictive solutions that detect payment card data breaches. Founded in 2012, Rippleshot provides tools for card issuers, processors, and merchants to monitor suspicious activities and enhance fraud risk management strategies. Its offerings include Rippleshot Community, which assists credit unions and banks in identifying local and national breaches; Rippleshot National, designed to aid fraud analysts in refining card re-issuing strategies; Rippleshot Merchant, which allows store owners to detect and monitor breaches through a user-friendly portal; and Rippleshot ISO, which supports acquirers in assessing daily merchant data breach threats. By employing big-data analytics and machine learning, Rippleshot aims to reduce fraud losses for banks and merchants by uncovering data breaches and stopping card fraud more efficiently, thereby protecting brand reputation and enhancing the consumer payment experience.

CuneXus Solutions, Inc., established in 2007 and headquartered in Santa Rosa, California, specializes in developing lending automation software for banks and credit unions. Its flagship product, cplXpress, enables financial institutions to offer on-demand lending and borrowing services, with features including online and mobile lending, banking integration, and cross-selling tools. The platform automates loan approval based on institutions' credit and risk criteria, enhancing customer experience and driving loan volume growth. As of 2019, CuneXus serves over 100 U.S. financial institutions, processing over $10 million in daily loan requests and generating billions in loan volume. It has been recognized for its innovative solutions, including being named a top enterprise technology company in 2019. Since October 2020, CuneXus operates as a subsidiary of CUNA Mutual Group.

ForeverCar Holdings, Inc., established in 2016 and headquartered in Chicago, Illinois, offers a digital platform designed to facilitate the management of car repair experiences for consumers. The company provides vehicle service plans that allow users to compare coverage options, obtain quotes, and purchase protection plans tailored to their needs and budgets, especially for vehicles not covered by manufacturer warranties. ForeverCar adopts a dual distribution strategy, marketing directly to consumers through its website and collaborating with partners such as Liberty Mutual and CUNA Mutual Group. The platform is designed to streamline the customer journey by managing the entire process of shopping, buying, paying, and submitting claims for service plans. ForeverCar has earned an A+ rating from the Better Business Bureau and has received numerous positive reviews, highlighting its commitment to customer satisfaction.