Core Innovation Capital

Prism Data is a cash flow underwriting infrastructure and analytics platform that focuses on transforming raw transaction data from financial providers into actionable insights. This platform is designed to enhance credit scoring by providing essential open banking infrastructure. By analyzing consumer-permission deposit account transaction data, Prism Data enables businesses to gain a deeper understanding of credit risk, identity, and income. Its applications extend across various sectors, including payments, lending, insurance, personal financial management, fraud mitigation, and real estate, allowing organizations to derive valuable insights that inform their decision-making processes.

Authentic Insurance is a community-based insurance platform that specializes in providing captive insurance services for small businesses. The company aims to simplify the insurance process by connecting members with cooperative and collaborative insurance solutions. This approach allows community members to share both the risks and rewards associated with insurance, fostering a supportive environment for small businesses. By focusing on community engagement and collaboration, Authentic Insurance seeks to enhance the overall insurance experience for its clients.

Upwage is an employment platform based in Wilmington, Delaware, that focuses on job postings featuring hourly wages. The platform allows users to sort job listings by salary, occupation, and title, facilitating easier access to higher-paying opportunities. By leveraging big data and artificial intelligence, Upwage aims to generate significant wealth for the 44% of Americans earning less than $16 per hour. Its mission is to connect low-wage earners with local employers who are willing to pay more for current skills, thereby enhancing job seekers' prospects for better financial outcomes.

Petal Card, Inc. is a credit card company focused on providing financial access to individuals without traditional credit histories, such as students and immigrants. Founded in 2015 and based in New York, the company utilizes machine learning to analyze users' digital financial records, allowing for cash flow underwriting as an alternative to conventional credit scoring. This innovative approach enables Petal to offer higher credit limits and lower rates compared to competing credit cards. The company's flagship product, the Petal Visa, is designed to promote responsible spending and credit-building, accompanied by a user-friendly digital application for managing payments. Petal aims to make credit more honest, simple, and accessible, fostering a financial environment that encourages users to succeed.

Assured Allies is focused on addressing the financial challenges families face due to aging through its longevity assurance platform. This platform employs predictive algorithms and preventive medical interventions to create individualized aging plans that include psychosocial assessments and recommended support services. By collaborating with leaders in the long-term care industry and insurance companies, Assured Allies aims to enhance the support provided to policyholders as they navigate the complexities of aging. The company’s continuous ally support further ensures that individuals receive the necessary assistance throughout their later years.

Attain, founded by a team of data and ad tech veterans, provides access to millions of consumers' consented purchase data marketers can use to precisely target audiences, gather insights and measure performance.

Pasito is a developer of a benefits enrollment platform focused on enhancing financial health through improved decision-making regarding health and pre-tax benefits. The platform aims to simplify the complex benefits market by providing tailored guidance and personalized support for employees, ensuring they can effectively navigate various programs such as HSA plans, supplemental medical insurance, and retirement accounts. By utilizing advanced algorithms and data, Pasito creates a more engaging employee experience that encourages participation in benefits packages throughout the year. Additionally, the platform serves as a point of contact for health plan selection and helps clients mitigate compliance risks, ultimately allowing organizations to better engage their workforce while reducing payroll and health premium costs.

XP Health is a health tech startup founded in 2019 by Antonio Moraes and James Wong, specializing in an AI-powered vision benefits platform. The platform is designed to enhance vision care for employees and their families by offering a virtual-first approach that integrates seamlessly with existing vision insurance plans. Utilizing advanced machine learning and facial recognition technology, XP Health recommends eyewear frames from leading designers such as Tom Ford and Ray-Ban with high accuracy. The service includes features like online vision acuity tests, prescription renewals, and access to in-person eye exams, ensuring comprehensive vision care at reduced costs. XP Health collaborates with companies like Chegg, Zenefits, and Sequoia Consulting Group to provide these innovative benefits, striving to improve the overall accessibility and quality of vision care.

Finli, Inc. is a digital financial platform that simplifies payment management for family-oriented businesses, including daycare centers, preschools, and afterschool programs. Founded in 2018 and based in San Marino, California, Finli provides a comprehensive application that facilitates invoicing, tuition collection, and payment-related communications. The platform enables families to manage their bills and allows users to invite others to contribute towards their children's educational expenses. By streamlining administrative tasks such as billing, payment collection, and customer management, Finli helps small business owners, freelancers, and service providers improve their financial operations and enhance their community engagement.

Column Tax is a technology company that provides a platform for mobile banks and fintech companies, allowing them to integrate advanced tax features for their customers. Through its application programming interface (API), Column Tax enables these financial institutions to facilitate tax-related services, such as direct deposits of tax refunds and secure tax payments from their accounts. This integration aims to enhance the user experience by offering personalized and efficient income tax solutions, thereby simplifying tax management for end-users.

Arrived Homes, LLC is a Seattle-based company that specializes in residential real estate investment services. Founded in 2019, it provides a platform for individuals to invest in shares of rental properties, allowing them to earn passive income from rental payments and property appreciation without the burdens of traditional homeownership. Arrived Homes manages all aspects of property acquisition, necessary improvements, and daily operations, making the investment process streamlined for clients. The company's services aim to promote financial independence by making real estate investment accessible to a broader audience, including those who may not have the means to purchase entire properties outright.

Ness builds a credit card-first wedge into healthcare. It allows its user to earn rewards for healthy purchases and access exclusive perks to complement their lifestyle. It was established in 2021 and is based in New York, United States.

Atomic FI is a technology company focused on enhancing consumer engagement within the financial services sector. It aims to launch a range of innovative products, starting with a balance transfer solution for credit cards, home equity lines of credit, and potentially auto loans. The company’s platform enables users to connect their payroll accounts securely using payroll credentials, thereby reducing fraud and streamlining the transaction process through multi-step verification. This approach addresses the current manual and error-prone nature of financial transactions, improving efficiency and user experience significantly. By increasing transaction speed by four to five times, Atomic FI positions itself to provide superior solutions that address critical pain points for both financial institutions and fintech companies.

Addition Wealth is a financial wellness platform that aims to empower employees in making informed financial decisions. The platform offers a combination of digital tools, online events, expert content, and direct access to financial professionals, making personalized financial expertise more accessible for all employees. By partnering with progressive employers, Addition Wealth enhances financial education and provides customized resources, including community events, guides, and dashboards. This collaborative approach enables employees to better manage their finances and make sound decisions regarding their financial well-being and career.

Conduit offers a financial software platform designed to facilitate cross-border payments for global businesses. It enables efficient and seamless transactions between multiple local currencies in Latin America and USD, allowing companies to settle invoices and conduct commercial transactions promptly. The platform is user-friendly, providing enhanced visibility and faster, more accurate payment quotes compared to traditional methods. By streamlining the process of moving money across borders, Conduit supports businesses in capitalizing on financial opportunities and conducting transactions on the same day, thereby enhancing operational efficiency and transparency.

Chapter operates a Medicare navigation platform designed to assist seniors in selecting appropriate health coverage. The platform provides advisory services that ensure consumers receive the best coverage options tailored to their individual needs at the most affordable prices. By aligning the incentives of Medicare advisors and consumers, Chapter promotes unbiased recommendations that consider all available options, free from economic conflicts of interest. Additionally, the company offers retirees personalized resources such as tailored coupons, tax advice, and technology tips, enhancing their ability to live securely and purposefully as they age.

ATM is an early-stage technology company focused on empowering consumers to control and monetize their personal data. Founded in 2018 by Walter Cruttenden and Mike Gleason in Newport Beach, California, ATM develops innovative technology known as Ant Transaction Machines. This solution enables users to track their data in detail while providing them with the ability to control access to their information through a simple toggle feature. The company’s platform facilitates data monetization by negotiating favorable terms with data aggregators and micro-funds transfer companies, helping users earn income from their digital interactions. Additionally, ATM supports micro-investing, allowing users to engage in rewards programs that assist in saving and investing, thereby building their wealth effectively.

Ampla Technologies is a financial technology company that specializes in delivering tech-enabled financial solutions aimed at fostering business growth. Its comprehensive platform offers a range of services including growth capital solutions, modern banking services, and data analytics. By streamlining access to capital and providing essential financial tools, Ampla addresses the cash flow challenges faced by omnichannel businesses. The company's focus is on facilitating efficient growth through brand-friendly services that support operational needs and enhance financial management.

Groundswell operates a software-as-a-service platform focused on enhancing corporate philanthropy by enabling businesses to establish donor-advised funds for their employees. This platform allows companies to create personalized foundations for their staff and facilitates payroll matching for employee contributions. Additionally, Groundswell provides users with tools designed for effective philanthropic engagement, including tax-free investment options, customized giving opportunities, frictionless donation processes, and comprehensive impact reporting. By empowering employees to participate in charitable giving, Groundswell helps organizations manage their corporate social responsibility initiatives and fosters a culture of philanthropy within the workplace.

Column Tax is a technology company that provides a platform for mobile banks and fintech companies, allowing them to integrate advanced tax features for their customers. Through its application programming interface (API), Column Tax enables these financial institutions to facilitate tax-related services, such as direct deposits of tax refunds and secure tax payments from their accounts. This integration aims to enhance the user experience by offering personalized and efficient income tax solutions, thereby simplifying tax management for end-users.

Ribbon Health, Inc. operates a software as a service (SaaS) platform that delivers essential data on healthcare providers, insurance plans, and the quality and cost of care. The platform includes features such as provider directories, referral management, care navigation, and insurance enrollment. Ribbon Health serves various clients, including health insurance companies, third-party administrators, clinics, hospitals, and digital health solutions. The company was incorporated in 2016 and is headquartered in New York, New York. Originally named HealthWiz, Inc., it rebranded to Ribbon Health, Inc. in March 2018.

PadSplit, Inc. is an affordable housing technology company based in Atlanta, Georgia, founded in 2017. It operates a digital marketplace that enables property owners to convert single-family homes into multi-unit residences by renting out individual rooms with shared common spaces and bathrooms. The platform facilitates affordable housing for low-income individuals, providing a house-sharing service that promotes financial stability and savings among residents. By aligning the interests of residents, property owners, and communities, PadSplit aims to make affordable housing accessible within the private market, thereby empowering individuals to improve their living conditions and transform their lives.

Atomic FI is a technology company focused on enhancing consumer engagement within the financial services sector. It aims to launch a range of innovative products, starting with a balance transfer solution for credit cards, home equity lines of credit, and potentially auto loans. The company’s platform enables users to connect their payroll accounts securely using payroll credentials, thereby reducing fraud and streamlining the transaction process through multi-step verification. This approach addresses the current manual and error-prone nature of financial transactions, improving efficiency and user experience significantly. By increasing transaction speed by four to five times, Atomic FI positions itself to provide superior solutions that address critical pain points for both financial institutions and fintech companies.

Chapter operates a Medicare navigation platform designed to assist seniors in selecting appropriate health coverage. The platform provides advisory services that ensure consumers receive the best coverage options tailored to their individual needs at the most affordable prices. By aligning the incentives of Medicare advisors and consumers, Chapter promotes unbiased recommendations that consider all available options, free from economic conflicts of interest. Additionally, the company offers retirees personalized resources such as tailored coupons, tax advice, and technology tips, enhancing their ability to live securely and purposefully as they age.

One is a financial mobile application headquartered in San Francisco, California, that offers a range of banking and fintech solutions. Founded in 2019, the company focuses on enhancing users' financial capabilities by providing services such as online payments, cash transactions, and digital wallet functionalities. The app is designed to increase users' spending power by optimizing their earnings and helping them achieve financial goals more efficiently. Additionally, One enables users to share money easily with family and friends while promoting faster growth of their finances. Through its innovative offerings, One aims to bridge financial gaps for its users.

Attain, founded by a team of data and ad tech veterans, provides access to millions of consumers' consented purchase data marketers can use to precisely target audiences, gather insights and measure performance.

Mighty Buildings, Inc. is a San Francisco-based company founded in 2017 that specializes in the manufacture of 3D printed custom homes. Utilizing advanced construction technology, the company employs 3D printing, robotics, and automation to create modular homes that aim to disrupt the residential housing market. Mighty Buildings has developed a proprietary building material known as Light Stone Material (LSM), which mimics synthetic stone and provides advantages such as faster construction, zero waste, and improved thermal regulation compared to traditional materials like concrete, wood, or steel. The company's innovative approach focuses on producing prefabricated, environmentally friendly, and climate-resilient homes, thereby facilitating smart urban development and making housing more affordable.

Assured Allies is focused on addressing the financial challenges families face due to aging through its longevity assurance platform. This platform employs predictive algorithms and preventive medical interventions to create individualized aging plans that include psychosocial assessments and recommended support services. By collaborating with leaders in the long-term care industry and insurance companies, Assured Allies aims to enhance the support provided to policyholders as they navigate the complexities of aging. The company’s continuous ally support further ensures that individuals receive the necessary assistance throughout their later years.

Arrived Homes, LLC is a Seattle-based company that specializes in residential real estate investment services. Founded in 2019, it provides a platform for individuals to invest in shares of rental properties, allowing them to earn passive income from rental payments and property appreciation without the burdens of traditional homeownership. Arrived Homes manages all aspects of property acquisition, necessary improvements, and daily operations, making the investment process streamlined for clients. The company's services aim to promote financial independence by making real estate investment accessible to a broader audience, including those who may not have the means to purchase entire properties outright.

Kikoff Inc. is a personal finance platform based in San Francisco, California, that aims to help individuals build and improve their credit scores at no cost. Founded in 2019, Kikoff offers a web and mobile application that allows users to access funds and establish a payment history by making monthly repayments. The platform is designed to maximize credit potential by providing tools that demonstrate creditworthiness, even for those without a bank account or existing credit score. Through its services, Kikoff enables users to monitor their credit scores and reports while offering a straightforward pathway to achieving their financial goals.

Spinwheel is a financial software platform founded in 2019 and headquartered in Oakland, California, aimed at helping Americans reduce their debt efficiently. The company offers an API infrastructure that integrates debt management solutions into popular applications, allowing users to connect, pay, and manage their debts directly within those platforms. Spinwheel's software is particularly focused on student debt, featuring functionalities such as loan payment processing, interest rate comparisons, account linking, and tools for simplifying the loan payment experience. By embedding these financial capabilities in everyday apps, Spinwheel enables users to make debt payments seamlessly while pursuing their shopping activities.

SeedFi, Inc. is an online platform that provides personal loan services specifically designed for lower-income consumers living paycheck to paycheck. Founded in early 2019 and based in San Francisco with an additional office in New York, the company aims to improve financial health by offering lower-cost access to capital and facilitating credit building. SeedFi's products cater to the needs of vulnerable individuals, enabling them to achieve financial stability through better access to financial services. By focusing on the challenges faced by these consumers, SeedFi seeks to empower them with the tools necessary for saving and improving their creditworthiness, ultimately helping them secure a more stable financial future.

Mighty Buildings, Inc. is a San Francisco-based company founded in 2017 that specializes in the manufacture of 3D printed custom homes. Utilizing advanced construction technology, the company employs 3D printing, robotics, and automation to create modular homes that aim to disrupt the residential housing market. Mighty Buildings has developed a proprietary building material known as Light Stone Material (LSM), which mimics synthetic stone and provides advantages such as faster construction, zero waste, and improved thermal regulation compared to traditional materials like concrete, wood, or steel. The company's innovative approach focuses on producing prefabricated, environmentally friendly, and climate-resilient homes, thereby facilitating smart urban development and making housing more affordable.

Yotta Technologies Inc., founded in 2019 and based in New York, offers a financial platform designed to encourage individuals to save money while providing an opportunity to win prizes through weekly draws. The platform operates by pooling interest from users' savings and distributing it in the form of lottery-style prizes, which can reach up to $10 million. By leveraging behavioral psychology, Yotta aims to instill better savings habits among its users, transforming the traditional savings experience into an engaging and potentially rewarding endeavor.

Spinwheel is a financial software platform founded in 2019 and headquartered in Oakland, California, aimed at helping Americans reduce their debt efficiently. The company offers an API infrastructure that integrates debt management solutions into popular applications, allowing users to connect, pay, and manage their debts directly within those platforms. Spinwheel's software is particularly focused on student debt, featuring functionalities such as loan payment processing, interest rate comparisons, account linking, and tools for simplifying the loan payment experience. By embedding these financial capabilities in everyday apps, Spinwheel enables users to make debt payments seamlessly while pursuing their shopping activities.

Bestow Inc., established in 2016 and based in Dallas, Texas, operates as a digital life insurance company. It provides life insurance services to individuals, leveraging data-driven technology applications and algorithmic underwriting to assess risks efficiently. The company partners with top carriers to enhance processes from origination to administration, aiming to increase financial stability for all.

Jiko is an innovative banking institution that leverages US Treasury bills to provide enhanced yield, safety, and scalability through its unique products and embedded finance API. Headquartered in San Francisco, with additional offices in New York City and Reykjavik, Jiko combines a nationally chartered bank and a registered broker-dealer to manage client cash in T-bills securely. The company offers a trading platform that allows users to invest in Treasury bills while also serving as a digital financial portal for sending, receiving, and spending money. By removing the constraints of traditional banking, Jiko aims to facilitate financial success in the modern economy.

Unit21 Inc. is a San Francisco-based company that specializes in providing no-code solutions for risk and compliance operations. Founded in 2018, Unit21 offers a platform that includes an application programming interface and a dashboard designed to detect and manage money laundering, fraud, and various other risks across multiple industries. The platform encompasses features such as case management, transaction monitoring, identity verification, operations management, and analytics and reporting. By utilizing state-of-the-art security practices, Unit21 aims to protect businesses against adversaries and enhance their operational efficiency in combating financial scams.

Finli, Inc. is a digital financial platform that simplifies payment management for family-oriented businesses, including daycare centers, preschools, and afterschool programs. Founded in 2018 and based in San Marino, California, Finli provides a comprehensive application that facilitates invoicing, tuition collection, and payment-related communications. The platform enables families to manage their bills and allows users to invite others to contribute towards their children's educational expenses. By streamlining administrative tasks such as billing, payment collection, and customer management, Finli helps small business owners, freelancers, and service providers improve their financial operations and enhance their community engagement.

Noyo is a company focused on modernizing the insurance industry through API-based data exchange. Established by experts in benefits, insurance, and technology, Noyo aims to enhance the infrastructure of the benefits sector by providing seamless digital connectivity. Its platform enables the secure exchange of critical benefits data among insurers, brokers, and consumers, facilitating real-time access to information essential for benefit design and delivery. By offering a suite of developer-friendly application programming interfaces, Noyo allows brokers and insurers to effortlessly connect with various platforms, streamlining the enrollment process and improving overall efficiency in the benefits landscape.

PadSplit, Inc. is an affordable housing technology company based in Atlanta, Georgia, founded in 2017. It operates a digital marketplace that enables property owners to convert single-family homes into multi-unit residences by renting out individual rooms with shared common spaces and bathrooms. The platform facilitates affordable housing for low-income individuals, providing a house-sharing service that promotes financial stability and savings among residents. By aligning the interests of residents, property owners, and communities, PadSplit aims to make affordable housing accessible within the private market, thereby empowering individuals to improve their living conditions and transform their lives.

Pando has developed a financial platform aimed at individuals in high-volatility careers, such as professional athletes, entrepreneurs, and MBA graduates. The platform enables users to connect with others who have similar expected earnings, allowing them to pool a fraction of their future income. This innovative approach not only helps mitigate financial risks associated with unpredictable income but also allows participants to benefit from potential upside. By providing these tools, Pando empowers its clients to better manage their financial futures and protect their earnings.

Bestow Inc., established in 2016 and based in Dallas, Texas, operates as a digital life insurance company. It provides life insurance services to individuals, leveraging data-driven technology applications and algorithmic underwriting to assess risks efficiently. The company partners with top carriers to enhance processes from origination to administration, aiming to increase financial stability for all.

One is a financial mobile application headquartered in San Francisco, California, that offers a range of banking and fintech solutions. Founded in 2019, the company focuses on enhancing users' financial capabilities by providing services such as online payments, cash transactions, and digital wallet functionalities. The app is designed to increase users' spending power by optimizing their earnings and helping them achieve financial goals more efficiently. Additionally, One enables users to share money easily with family and friends while promoting faster growth of their finances. Through its innovative offerings, One aims to bridge financial gaps for its users.

Attain, founded by a team of data and ad tech veterans, provides access to millions of consumers' consented purchase data marketers can use to precisely target audiences, gather insights and measure performance.

Kikoff Inc. is a personal finance platform based in San Francisco, California, that aims to help individuals build and improve their credit scores at no cost. Founded in 2019, Kikoff offers a web and mobile application that allows users to access funds and establish a payment history by making monthly repayments. The platform is designed to maximize credit potential by providing tools that demonstrate creditworthiness, even for those without a bank account or existing credit score. Through its services, Kikoff enables users to monitor their credit scores and reports while offering a straightforward pathway to achieving their financial goals.

Kikoff Inc. is a personal finance platform based in San Francisco, California, that aims to help individuals build and improve their credit scores at no cost. Founded in 2019, Kikoff offers a web and mobile application that allows users to access funds and establish a payment history by making monthly repayments. The platform is designed to maximize credit potential by providing tools that demonstrate creditworthiness, even for those without a bank account or existing credit score. Through its services, Kikoff enables users to monitor their credit scores and reports while offering a straightforward pathway to achieving their financial goals.

Atomic FI is a technology company focused on enhancing consumer engagement within the financial services sector. It aims to launch a range of innovative products, starting with a balance transfer solution for credit cards, home equity lines of credit, and potentially auto loans. The company’s platform enables users to connect their payroll accounts securely using payroll credentials, thereby reducing fraud and streamlining the transaction process through multi-step verification. This approach addresses the current manual and error-prone nature of financial transactions, improving efficiency and user experience significantly. By increasing transaction speed by four to five times, Atomic FI positions itself to provide superior solutions that address critical pain points for both financial institutions and fintech companies.

Drum is a gig economy platform designed to enhance the lives of users by streamlining the process for businesses to establish a sales force. Scheduled for launch in the third quarter of 2019, the platform enables businesses to mobilize sales efforts more efficiently than traditional advertising methods. Additionally, Drum provides a creator platform that allows individuals to manage their own stores, engage with followers, and monetize their content. Through in-app analytics, creators can sell both digital and physical products directly on their profile pages, allowing them to concentrate on their creative pursuits while maximizing their earning potential.

Mighty Buildings, Inc. is a San Francisco-based company founded in 2017 that specializes in the manufacture of 3D printed custom homes. Utilizing advanced construction technology, the company employs 3D printing, robotics, and automation to create modular homes that aim to disrupt the residential housing market. Mighty Buildings has developed a proprietary building material known as Light Stone Material (LSM), which mimics synthetic stone and provides advantages such as faster construction, zero waste, and improved thermal regulation compared to traditional materials like concrete, wood, or steel. The company's innovative approach focuses on producing prefabricated, environmentally friendly, and climate-resilient homes, thereby facilitating smart urban development and making housing more affordable.

Synapse is a banking platform that allows companies to offer financial products to their customers at a lower cost than traditional banks. Founded in 2014 and headquartered in San Francisco, the company provides a range of services, including payment, deposit, lending, and investment products, all delivered through application programming interfaces (APIs). This enables fintech companies to create and launch their own financial innovations using Synapse's banking infrastructure. By facilitating collaboration among fintech firms, Synapse supports the development of advanced financial technologies, making it easier for clients to enter the market with their banking products.

PayJoy Inc. is a consumer financing company based in San Francisco, California, founded in 2015. The firm specializes in providing smartphone-enabled financing solutions, primarily targeting underbanked individuals in emerging markets. By leveraging mobile security technology, PayJoy allows customers to select a smartphone, make an initial deposit, and choose a flexible payment plan. The financed smartphone serves as collateral, unlocking its full functionality once the purchase is complete. PayJoy's mission is to enhance access to credit for underserved populations, helping them navigate financial challenges and improve their economic standing. The company has successfully reached over 10 million customers across various countries, including Mexico, Brazil, Colombia, and South Africa, and continues to show solid profitability and growth.

PadSplit, Inc. is an affordable housing technology company based in Atlanta, Georgia, founded in 2017. It operates a digital marketplace that enables property owners to convert single-family homes into multi-unit residences by renting out individual rooms with shared common spaces and bathrooms. The platform facilitates affordable housing for low-income individuals, providing a house-sharing service that promotes financial stability and savings among residents. By aligning the interests of residents, property owners, and communities, PadSplit aims to make affordable housing accessible within the private market, thereby empowering individuals to improve their living conditions and transform their lives.

SeedFi, Inc. is an online platform that provides personal loan services specifically designed for lower-income consumers living paycheck to paycheck. Founded in early 2019 and based in San Francisco with an additional office in New York, the company aims to improve financial health by offering lower-cost access to capital and facilitating credit building. SeedFi's products cater to the needs of vulnerable individuals, enabling them to achieve financial stability through better access to financial services. By focusing on the challenges faced by these consumers, SeedFi seeks to empower them with the tools necessary for saving and improving their creditworthiness, ultimately helping them secure a more stable financial future.

Vemo Education, Inc. is an educational technology company based in Reston, Virginia, dedicated to enhancing access to education for all Americans. The company specializes in income-based student financing solutions, collaborating with colleges, universities, and other educational institutions to create and manage income share agreement (ISA) programs. Vemo Education's services encompass the design of tailored financial products, analysis and creation of funding sources, as well as the origination, disbursement, and servicing of these financing options. Additionally, the company supports portfolio development and ensures compliance with legal and regulatory requirements, all aimed at reducing financial barriers and promoting economic mobility for students.

LoanSnap, Inc. is a mortgage company that specializes in providing an artificial intelligence-based smart loan platform designed to analyze individual financial situations and deliver tailored loan options. Founded in 2017 and headquartered in San Francisco, California, with an additional location in Costa Mesa, the company offers various products, including home equity lines of credit (HELOC), refinancing options to lower monthly mortgage payments, and VA loans for veterans that facilitate home purchases without down payments or private mortgage insurance. LoanSnap aims to help customers gain a clearer understanding of their finances and identify potential savings. The company operates in several states, including California, Florida, Illinois, Colorado, and Tennessee. LoanSnap, Inc. was previously known as DLJ Financial, Inc. before rebranding in April 2018 and functions as a subsidiary of LoanSnap Holdings, Inc.

Synapse is a banking platform that allows companies to offer financial products to their customers at a lower cost than traditional banks. Founded in 2014 and headquartered in San Francisco, the company provides a range of services, including payment, deposit, lending, and investment products, all delivered through application programming interfaces (APIs). This enables fintech companies to create and launch their own financial innovations using Synapse's banking infrastructure. By facilitating collaboration among fintech firms, Synapse supports the development of advanced financial technologies, making it easier for clients to enter the market with their banking products.

LoanSnap, Inc. is a mortgage company that specializes in providing an artificial intelligence-based smart loan platform designed to analyze individual financial situations and deliver tailored loan options. Founded in 2017 and headquartered in San Francisco, California, with an additional location in Costa Mesa, the company offers various products, including home equity lines of credit (HELOC), refinancing options to lower monthly mortgage payments, and VA loans for veterans that facilitate home purchases without down payments or private mortgage insurance. LoanSnap aims to help customers gain a clearer understanding of their finances and identify potential savings. The company operates in several states, including California, Florida, Illinois, Colorado, and Tennessee. LoanSnap, Inc. was previously known as DLJ Financial, Inc. before rebranding in April 2018 and functions as a subsidiary of LoanSnap Holdings, Inc.

Blast is a company that offers a financial wallet designed for gamers, allowing them to earn and store money while engaging in online gaming. Founded in 2017 and based in Newport Beach, California, Blast enables users to save money by automatically setting aside small amounts, typically between one cent and ten cents, during gameplay. Additionally, users can earn money by trying new games and advancing levels in their favorite titles. This approach not only helps gamers accumulate savings but also incentivizes them to continue playing, creating a mutually beneficial relationship between players and gaming companies. By integrating financial rewards into the gaming experience, Blast aims to make wealth-building enjoyable and accessible for its users.

Pairity is a technology-driven company focused on alleviating the challenges of consumer debt for lenders, collectors, and individuals. By leveraging advanced artificial intelligence and machine learning, Pairity offers a range of products designed to enhance accounts receivable management. Its Pairity Marketplace centralizes consumer debt, providing lenders with tools to recover or liquidate accounts effectively. The Pairity ML platform employs AI analytics to score accounts and simulate recovery strategies, improving operational efficiency and uncovering valuable insights. Additionally, Pairity Digital offers a white-labeled communication and payment platform that engages consumers and aids them in achieving financial stability. Collectively, these offerings create a cohesive ecosystem that supports cost-effective management of accounts receivable while fostering trust among financial institutions, debt collection agencies, and consumers.

Bestow Inc., established in 2016 and based in Dallas, Texas, operates as a digital life insurance company. It provides life insurance services to individuals, leveraging data-driven technology applications and algorithmic underwriting to assess risks efficiently. The company partners with top carriers to enhance processes from origination to administration, aiming to increase financial stability for all.

Mighty Buildings, Inc. is a San Francisco-based company founded in 2017 that specializes in the manufacture of 3D printed custom homes. Utilizing advanced construction technology, the company employs 3D printing, robotics, and automation to create modular homes that aim to disrupt the residential housing market. Mighty Buildings has developed a proprietary building material known as Light Stone Material (LSM), which mimics synthetic stone and provides advantages such as faster construction, zero waste, and improved thermal regulation compared to traditional materials like concrete, wood, or steel. The company's innovative approach focuses on producing prefabricated, environmentally friendly, and climate-resilient homes, thereby facilitating smart urban development and making housing more affordable.

Say is a technology platform based in New York that facilitates open communication between companies and their shareholders. Founded in 2017, the platform empowers individual investors by recording their voices and enabling them to exercise their ownership rights more effectively. Say offers a range of services, including proxy processing, fund reports, trade confirmations, and the handling of voluntary corporate actions and class actions. By connecting shareholders with each other and providing a more accessible framework for communication, Say aims to level the playing field between individual and institutional investors, ensuring that all shareholders can access previously overlooked or unused rights.

Blast is a company that offers a financial wallet designed for gamers, allowing them to earn and store money while engaging in online gaming. Founded in 2017 and based in Newport Beach, California, Blast enables users to save money by automatically setting aside small amounts, typically between one cent and ten cents, during gameplay. Additionally, users can earn money by trying new games and advancing levels in their favorite titles. This approach not only helps gamers accumulate savings but also incentivizes them to continue playing, creating a mutually beneficial relationship between players and gaming companies. By integrating financial rewards into the gaming experience, Blast aims to make wealth-building enjoyable and accessible for its users.

Blueprint Income, Inc. operates a digital platform that connects pension planners with insurance companies, providing a marketplace for retirement income products such as annuities. Founded in 2014 and based in New York, the company aims to simplify the retirement planning process, allowing users to compare and purchase various annuity options tailored to their personal circumstances. By offering easy access to fixed, income, and index annuities, Blueprint Income empowers individuals, regardless of their employer, age, or wealth, to secure guaranteed, lifelong income for retirement. The platform not only facilitates the selection and purchase of these financial products but also enhances consumer understanding of annuities, enabling users to make informed decisions about their financial futures.

Jiko is an innovative banking institution that leverages US Treasury bills to provide enhanced yield, safety, and scalability through its unique products and embedded finance API. Headquartered in San Francisco, with additional offices in New York City and Reykjavik, Jiko combines a nationally chartered bank and a registered broker-dealer to manage client cash in T-bills securely. The company offers a trading platform that allows users to invest in Treasury bills while also serving as a digital financial portal for sending, receiving, and spending money. By removing the constraints of traditional banking, Jiko aims to facilitate financial success in the modern economy.

Carrot Fertility, Inc. specializes in providing comprehensive fertility benefits services to employers, supporting employees throughout their fertility healthcare journey on a global scale. The company's offerings include services such as egg freezing, in vitro fertilization, adoption, donor and gestational carrier services, as well as a premium pharmacy experience for fertility medications through Carrot Rx. Additionally, Carrot Pregnancy provides virtual access to experts and on-demand doctor-approved content, while the Carrot Card allows employees to use a flexible debit card for their fertility-related expenses. By customizing these benefits, Carrot Fertility aims to deliver financial, medical, and emotional support for individuals pursuing parenthood. Founded in 2015 and headquartered in San Francisco, California, the company also maintains offices in Chicago, New York, Dublin, Geneva, Tokyo, and Seoul.

Bestow Inc., established in 2016 and based in Dallas, Texas, operates as a digital life insurance company. It provides life insurance services to individuals, leveraging data-driven technology applications and algorithmic underwriting to assess risks efficiently. The company partners with top carriers to enhance processes from origination to administration, aiming to increase financial stability for all.

Pairity is a technology-driven company focused on alleviating the challenges of consumer debt for lenders, collectors, and individuals. By leveraging advanced artificial intelligence and machine learning, Pairity offers a range of products designed to enhance accounts receivable management. Its Pairity Marketplace centralizes consumer debt, providing lenders with tools to recover or liquidate accounts effectively. The Pairity ML platform employs AI analytics to score accounts and simulate recovery strategies, improving operational efficiency and uncovering valuable insights. Additionally, Pairity Digital offers a white-labeled communication and payment platform that engages consumers and aids them in achieving financial stability. Collectively, these offerings create a cohesive ecosystem that supports cost-effective management of accounts receivable while fostering trust among financial institutions, debt collection agencies, and consumers.

HealthSherpa is a technology company that connects individuals with health coverage through its certified enrollment platform. As a Healthcare.gov certified web broker, it simplifies the process for consumers, employers, and nonprofits to enroll in subsidy-eligible health plans. The platform is designed to help users find suitable healthcare plans that align with their budget and healthcare needs. HealthSherpa offers tools to facilitate plan selection and ensures that consumers can effectively utilize their insurance after enrollment. By making the insurance process straightforward and accessible, HealthSherpa aims to provide users with the comfort and security that comes from having adequate health coverage.

Nova Credit Inc. is a credit reporting agency based in San Francisco, California, founded in 2016. The company specializes in providing alternative credit data and analytics, focusing on improving credit access for individuals, particularly immigrants. Nova Credit's platform facilitates cross-border consumer credit services, allowing lenders and property managers to make informed decisions regarding credit applications. Its proprietary solutions, including the Credit Passport® and Cash Atlas™, utilize a unique set of data sources and compliance frameworks to enhance traditional credit analytics. Major organizations such as American Express, Verizon, and HSBC use Nova Credit’s services to navigate the complexities of credit scoring in the open finance landscape. The company is supported by prominent investors and industry executives, emphasizing its role in bridging gaps in credit access and fostering responsible growth for businesses.

Mosaic is a residential solar lending platform based in Oakland, California, founded in 2011. The company specializes in providing financing solutions for residential solar systems, enabling homeowners to invest in clean energy and benefit from its advantages. Mosaic's platform facilitates crowdfunded loans for solar projects, allowing solar and home improvement professionals to offer financing through a user-friendly point-of-sale application. This approach enhances the experience for both contractors and homeowners, promoting the ownership of solar panels. The company embodies a vision of 100% clean energy for all, aiming to create shared prosperity and help millions improve their homes and contribute positively to the environment.

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.

PayJoy Inc. is a consumer financing company based in San Francisco, California, founded in 2015. The firm specializes in providing smartphone-enabled financing solutions, primarily targeting underbanked individuals in emerging markets. By leveraging mobile security technology, PayJoy allows customers to select a smartphone, make an initial deposit, and choose a flexible payment plan. The financed smartphone serves as collateral, unlocking its full functionality once the purchase is complete. PayJoy's mission is to enhance access to credit for underserved populations, helping them navigate financial challenges and improve their economic standing. The company has successfully reached over 10 million customers across various countries, including Mexico, Brazil, Colombia, and South Africa, and continues to show solid profitability and growth.

Mirador is a leading front-end small business lending platform that assists established lenders in borrower acquisition, digital application processing, decision-making, and communication with borrowers. By providing a streamlined user experience, Mirador enhances profitability and efficiency in the lending process, enabling traditional lenders to remain competitive. The core lending platform can be augmented with additional modules for lead generation and second-look programs, allowing lenders to either implement or expand their small business loan offerings with a single partner. Lenders utilizing Mirador's platform have experienced a 69% increase in efficiency and an average reduction of $1,550 in loan origination costs, contributing to greater profitability. The platform supports a variety of small business lending products, including term loans, collateralized loans, SBA guaranteed loans, commercial real estate loans, and quick decision loans, ranging from $1,000 to over $20 million. Additionally, Mirador collaborates with banks, credit unions, non-profits, and specialty finance companies to enhance risk management and borrower experiences in small business lending.

Honest Dollar, Inc. is an online platform that focuses on providing investors with transparency and information regarding finances and retirement plans. Established in 2014 and headquartered in Austin, Texas, the company operates as a subsidiary of Goldman Sachs Private Wealth Management. Honest Dollar aims to simplify the investment process for individuals by offering accessible financial tools and resources.

TIO Networks is a provider of a cloud-based, multi-channel bill payment processing and receivables management platform, designed to facilitate real-time customer account payments. The company serves major telecom, wireless, cable, and utility network operators across North America, offering a network of over 60,000 physical locations for bill payment. TIO’s platform integrates seamlessly with existing billing systems, allowing users to accept, validate, and collect payments through various channels, including self-service kiosks, retail walk-ins, mobile applications, and web solutions. This integration helps businesses reduce costs associated with physical bill delivery and collection activities while enhancing cash flow through real-time payment processing. TIO Networks emphasizes fast, convenient, and secure access to high-quality bill payment services.

CoverHound, Inc., operating as CoverHound Insurance Solutions, is a technology company based in San Francisco, California, that provides a comparison shopping platform for car and property insurance. Founded in 2010, CoverHound connects consumers with national insurance carriers and local agents, allowing them to compare accurate rates and find policies that suit their individual needs. The platform is designed to offer transparent access to insurance options, providing smart recommendations and personalized quotes without spamming users. With a focus on user control and data privacy, CoverHound facilitates a seamless experience for customers seeking to shop for and purchase insurance.

Fundera, Inc. is an online marketplace based in New York that assists small business owners in comparing diverse small business loan options. Founded in 2013, the platform features a wide range of financial products, including SBA loans, term loans, equipment financing, business lines of credit, invoice financing, short-term loans, merchant cash advances, and personal loans for business purposes. Fundera aims to empower entrepreneurs by providing expert insights and tailored financial options, allowing them to make informed decisions based on their specific needs and eligibility. By leveraging proprietary technology and financial expertise, Fundera connects business owners with lenders, credit card issuers, and banks to help them secure funding at competitive rates. As of October 2020, Fundera operates as a subsidiary of NerdWallet, Inc.

Mayvenn, Inc. is a company based in Oakland, California, founded in 2012, that empowers hair stylists by providing them with tools to sell hair extensions directly to clients. By eliminating the need for upfront costs and inventory management, Mayvenn allows stylists to focus on their craft while seamlessly integrating retail into their services. The company aims to transform the salon retail experience and has established a growing network of over 50,000 stylists and hundreds of thousands of customers across the United States. With a mission to enhance how individuals purchase hair extensions, Mayvenn has invested millions back into salons nationwide, fostering a movement that prioritizes both stylist empowerment and customer satisfaction.

Ripple Labs, Inc. is a technology company that operates a global payments network leveraging blockchain technology. Founded in 2012 and headquartered in San Francisco, California, Ripple develops RippleNet, an enterprise-level decentralized solution that connects banks, payment providers, digital asset exchanges, and corporations to facilitate international money transfers. Its offerings include XRP, a digital asset used for payments; xCurrent, which provides cross-border payment services for banks; xRapid, designed for payment providers and financial institutions to optimize liquidity costs; and xVia, a tool for corporates and payment providers to send payments using a standardized interface. Ripple aims to create a frictionless experience for global transactions, allowing financial institutions to transact directly with each other while minimizing foreign exchange exposure and counterparty risks. The company also maintains additional offices in major cities around the world, including New York, London, and Sydney.

Vouch Financial is a San Francisco-based company that specializes in friend-powered finance, aiming to improve the lending experience for borrowers. Established in 2016, Vouch offers personal loans that often feature better terms compared to traditional lending institutions and marketplaces. The unique aspect of Vouch's model is its reliance on social lending, where the borrowing process involves the user's friends and relatives. This approach allows loans to be secured based on the credibility of the borrower, as determined by the endorsements or sponsorships received from their social circle. By leveraging personal networks, Vouch seeks to provide more favorable lending options to consumers.

NerdWallet, Inc. is a financial technology company that offers online tools and resources designed to empower consumers in making informed personal finance decisions. Founded in 2009 and based in San Francisco, California, NerdWallet provides insights and personalized advice across various financial areas, including credit cards, banking, mortgages, insurance, loans, investing, and education. The platform allows users to compare options, access expert content, and receive tailored guidance, helping them navigate complex financial landscapes with confidence. By offering free access to these resources, NerdWallet aims to simplify financial decision-making, enabling consumers to save time and money while achieving their financial goals.

CoverHound, Inc., operating as CoverHound Insurance Solutions, is a technology company based in San Francisco, California, that provides a comparison shopping platform for car and property insurance. Founded in 2010, CoverHound connects consumers with national insurance carriers and local agents, allowing them to compare accurate rates and find policies that suit their individual needs. The platform is designed to offer transparent access to insurance options, providing smart recommendations and personalized quotes without spamming users. With a focus on user control and data privacy, CoverHound facilitates a seamless experience for customers seeking to shop for and purchase insurance.

Ripple Labs, Inc. is a technology company that operates a global payments network leveraging blockchain technology. Founded in 2012 and headquartered in San Francisco, California, Ripple develops RippleNet, an enterprise-level decentralized solution that connects banks, payment providers, digital asset exchanges, and corporations to facilitate international money transfers. Its offerings include XRP, a digital asset used for payments; xCurrent, which provides cross-border payment services for banks; xRapid, designed for payment providers and financial institutions to optimize liquidity costs; and xVia, a tool for corporates and payment providers to send payments using a standardized interface. Ripple aims to create a frictionless experience for global transactions, allowing financial institutions to transact directly with each other while minimizing foreign exchange exposure and counterparty risks. The company also maintains additional offices in major cities around the world, including New York, London, and Sydney.

Wipit, Inc. is a mobile payments company based in Lake Forest, California, established in 2010. It offers a mobile payment application that allows users, particularly those who are unbanked or underbanked, to make cash payments directly from their smartphones. The platform includes features such as bill payment, phone top-ups, and fund transfers, alongside a Visa prepaid card. Wipit has formed partnerships with notable companies, including H&R Block and Euronet Worldwide, and serves as the technology provider for the "Boost Mobile Wallet," enabling mobile financial services for Boost Mobile's customer base. As of September 2015, Wipit operates as a subsidiary of Urban FT, Inc.

L2C is a prominent provider of consumer scoring and analytics solutions in the United States. The company specializes in utilizing alternative payment and asset data to generate predictive credit, collection, and marketing scores for over 260 million individuals. Its innovative analytics software is particularly valuable to the consumer credit industry. L2C serves a diverse clientele, including major institutions across various sectors such as financial services, retail, healthcare, automotive, telecommunications, and media and entertainment.

Oportun, Inc. is a financial services company based in San Carlos, California, founded in 2005. It specializes in providing personal loans to individuals who may lack a credit score or have limited credit history. Oportun offers a range of financial products, including small-dollar, unsecured installment loans, auto loans, and secured personal loans. In addition to lending, the company provides deposit accounts, debit card services, and budgeting tools, aiming to empower its members to achieve their financial goals. Since its inception, Oportun has disbursed over $15.5 billion in responsible credit and has helped its members save more than $2.3 billion in interest and fees, averaging annual savings of over $1,800 per member.