Core Innovation Capital

Prism Data is a cash flow underwriting and analytics platform that focuses on transforming raw transaction data from financial providers into actionable insights. Its infrastructure is designed to enhance credit scoring by providing a comprehensive understanding of a consumer's credit risk, identity, and income. The platform's capabilities extend across various sectors, including payments, lending, insurance, personal financial management, fraud mitigation, and real estate. By leveraging consumer-permissioned deposit account transaction data, Prism Data enables businesses to gain new insights and make informed decisions regarding risk assessment and management.

Authentic Insurance operates as a community-based insurance platform specializing in captive insurance services for small businesses. The company focuses on simplifying the insurance process by connecting members with cooperative and collaborative insurance providers. Through its innovative approach, Authentic Insurance enables community members to share both the risks and rewards associated with insurance, fostering a supportive environment for businesses to manage their insurance needs effectively. The platform offers a comprehensive suite of services and products tailored to the unique requirements of small enterprises, enhancing their access to essential insurance solutions.

Upwage is a job posting platform based in Wilmington, Delaware, designed to assist individuals earning low wages in finding better-paying employment opportunities. By incorporating hourly wage information directly into job listings, Upwage allows users to sort positions by salary, occupation, and title. The platform leverages big data and artificial intelligence to match job seekers with local employers who offer higher compensation for their current skill sets. Upwage aims to create significant economic impact by generating $1 trillion in new wealth for the 44% of Americans earning less than $16 per hour, thereby enhancing their financial stability and career prospects.

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 a company focused on addressing the financial challenges that families face due to aging. It has developed a longevity assurance platform in collaboration with leaders in the long-term care industry and insurance companies. This platform utilizes predictive algorithms and preventive medical interventions to offer a comprehensive solution that includes psychosocial assessments and personalized aging plans. By recommending appropriate support services and providing ongoing assistance, Assured Allies enables insurance companies to better support their policyholders as they navigate the complexities of aging.

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 company that specializes in enhancing employee participation in various benefits programs, including health savings accounts, supplemental medical insurance, voluntary insurance, and retirement accounts. By utilizing advanced algorithms and data analytics, Pasito simplifies the complexities of the benefits market, making it more accessible for employees to understand and utilize their benefits year-round. The company's platform provides tailored guidance and personalized support, acting as a central resource for employees to make informed decisions regarding their health plans and pre-tax benefits. This approach not only improves the employee experience but also helps organizations engage their workforce effectively while reducing payroll and health premium costs.

XP Health is a health technology startup founded in 2019 by Antonio Moraes and James Wong, specializing in an AI-powered vision benefits platform. The company offers a unique approach to vision care by using machine learning and augmented reality to assist employees and their families in obtaining eyewear. XP Health's proprietary deep learning model employs facial recognition technology to recommend the most suitable designer frames, achieving an accuracy rate of 98%. The platform facilitates a virtual-first experience for users, allowing them to navigate care options such as finding in-person eye exams, taking online vision acuity tests, and accessing personalized eyewear. XP Health collaborates with organizations like Chegg, Zenefits, and Sequoia Consulting Group to provide a comprehensive vision benefits solution that can complement existing insurance plans while delivering cost-effective care.

Finli, Inc. is a technology company that specializes in developing an application to simplify payment processes for family-oriented businesses. The Finli platform serves as a comprehensive business management tool, facilitating invoicing, tuition collection, enrollment, and payment-related communications. It is designed for a variety of users, including daycare centers, preschools, afterschool care programs, and other neighborhood businesses, allowing families to manage their bills and invite contributions toward educational experiences. By automating administrative tasks such as billing and payment collection, Finli helps small business owners, freelancers, and independent service providers streamline their financial operations. Founded in 2018 and headquartered in San Marino, California, Finli aims to enhance the financial infrastructure of its users, thereby improving their business efficiency and community engagement.

Column Tax is a technology company that specializes in providing an application programming interface (API) for mobile banks and fintech firms. Its platform allows these companies to integrate advanced tax features into their services, enhancing the user experience for end-users. Through this API, clients can facilitate processes such as receiving tax refunds and making tax payments directly from their accounts. By offering personalized and secure income tax solutions, Column Tax empowers its clients to deliver comprehensive financial services that cater to the needs of their customers.

Arrived Homes, LLC is a Seattle-based company founded in 2019 that specializes in residential real estate investment services. The company provides a platform for individuals to invest in rental properties by purchasing shares, allowing them to earn passive income from rental payments and potential property appreciation. Arrived Homes manages all aspects of the investment process, including property acquisition, necessary improvements, and ongoing management, thereby simplifying the experience for investors. The company's focus is on enabling financial independence for its clients through accessible real estate investments, making homeownership more attainable without the burdens of direct property management.

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 is a technology company focused on enhancing consumer engagement within financial services through innovative product development. It aims to launch a series of financial products, beginning with a balance transfer solution for credit cards, home equity lines of credit, and potentially auto loans. Atomic's platform streamlines the connection of payroll accounts using secure credentials, significantly reducing the risk of fraud and minimizing manual processes through multi-step verification. This allows for more efficient and secure banking transactions for both employees and businesses. By improving transaction speed and user experience, Atomic addresses significant pain points faced by financial institutions and fintech companies, moving beyond the limitations of current manual systems.

Addition Wealth is a financial wellness platform focused on empowering employees to make informed financial decisions. The company utilizes a technology-driven approach that integrates digital tools, online events, expert content, and access to financial professionals. By partnering with progressive employers, Addition Wealth aims to enhance financial literacy and provide employees with personalized financial expertise. The platform offers customized resources, community events, and interactive guides, fostering an inclusive environment where employees can effectively manage their finances and make sound financial choices.

Conduit is a financial technology company that specializes in enhancing cross-border payment solutions for global businesses. Its platform simplifies and accelerates the process of moving money between USD and various local currencies in Latin America, offering improved transparency and efficiency compared to traditional payment systems. By providing a user-friendly dashboard, Conduit enables teams to manage payments with greater visibility and speed, facilitating same-day transactions and seamless commercial exchanges. The company's focus on streamlining B2B payments and invoice settlements positions it as a key player in maximizing financial opportunities within emerging markets.

Chapter is a company that specializes in Medicare advisory services aimed at helping seniors navigate their health coverage options. By offering a comprehensive Medicare navigation platform, Chapter assists retirees in making informed decisions regarding their health insurance, ensuring they select coverage that best suits their individual needs while minimizing costs. The platform fosters transparency by aligning the interests of Medicare advisors and consumers, enabling independent recommendations that consider a wide range of options. In addition to health coverage support, Chapter provides retirees with tailored resources such as coupons, tax advice, and technology tips, all designed to enhance their quality of life and security 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 is a company that offers a software-as-a-service (SaaS) platform designed to enhance corporate philanthropy by transforming donor-advised funds into employee benefits. The platform enables businesses to establish personal donor-advised funds for their employees, facilitating payroll-matched contributions. Groundswell provides employees with various tools aimed at enhancing their philanthropic efforts, including tax-free investment options, customized giving opportunities, and seamless donation processes. Additionally, the platform features centralized impact reporting to help organizations track the effectiveness of their charitable initiatives, thereby empowering companies to manage their corporate giving and foster a significant global impact.

Column Tax is a technology company that specializes in providing an application programming interface (API) for mobile banks and fintech firms. Its platform allows these companies to integrate advanced tax features into their services, enhancing the user experience for end-users. Through this API, clients can facilitate processes such as receiving tax refunds and making tax payments directly from their accounts. By offering personalized and secure income tax solutions, Column Tax empowers its clients to deliver comprehensive financial services that cater to the needs of their customers.

Ribbon Health, Inc. operates a software as a service (SaaS) platform that delivers essential data on healthcare providers, insurance plans, and the costs and quality of care. The platform offers services such as provider directories, referral management, care navigation, and insurance enrollment, catering to a diverse range of clients, including health insurance companies, third-party administrators, clinics, hospitals, and digital health solutions. Founded in 2016 and based in New York, the company was previously known as HealthWiz, Inc. before rebranding in March 2018. Ribbon Health provides the critical infrastructure necessary for accurate provider directories and efficient healthcare navigation, thereby enhancing the overall healthcare experience for its users.

PadSplit, Inc. is an Atlanta-based company founded in 2017 that specializes in affordable housing solutions through a house-sharing model. It operates a digital marketplace that enables property owners to convert single-family homes into multi-unit residences, offering individual rooms with shared common areas such as kitchens and bathrooms. By focusing on the workforce, PadSplit aims to provide affordable living options for low-income individuals, allowing them to save money and potentially improve their quality of life. The platform fosters collaboration among residents, property owners, and communities, ensuring that the incentives are aligned to make affordable housing more accessible in the private market. Through its innovative approach, PadSplit empowers users to transform their living situations while promoting shared living arrangements.

Atomic is a technology company focused on enhancing consumer engagement within financial services through innovative product development. It aims to launch a series of financial products, beginning with a balance transfer solution for credit cards, home equity lines of credit, and potentially auto loans. Atomic's platform streamlines the connection of payroll accounts using secure credentials, significantly reducing the risk of fraud and minimizing manual processes through multi-step verification. This allows for more efficient and secure banking transactions for both employees and businesses. By improving transaction speed and user experience, Atomic addresses significant pain points faced by financial institutions and fintech companies, moving beyond the limitations of current manual systems.

Chapter is a company that specializes in Medicare advisory services aimed at helping seniors navigate their health coverage options. By offering a comprehensive Medicare navigation platform, Chapter assists retirees in making informed decisions regarding their health insurance, ensuring they select coverage that best suits their individual needs while minimizing costs. The platform fosters transparency by aligning the interests of Medicare advisors and consumers, enabling independent recommendations that consider a wide range of options. In addition to health coverage support, Chapter provides retirees with tailored resources such as coupons, tax advice, and technology tips, all designed to enhance their quality of life and security 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 a company focused on addressing the financial challenges that families face due to aging. It has developed a longevity assurance platform in collaboration with leaders in the long-term care industry and insurance companies. This platform utilizes predictive algorithms and preventive medical interventions to offer a comprehensive solution that includes psychosocial assessments and personalized aging plans. By recommending appropriate support services and providing ongoing assistance, Assured Allies enables insurance companies to better support their policyholders as they navigate the complexities of aging.

Arrived Homes, LLC is a Seattle-based company founded in 2019 that specializes in residential real estate investment services. The company provides a platform for individuals to invest in rental properties by purchasing shares, allowing them to earn passive income from rental payments and potential property appreciation. Arrived Homes manages all aspects of the investment process, including property acquisition, necessary improvements, and ongoing management, thereby simplifying the experience for investors. The company's focus is on enabling financial independence for its clients through accessible real estate investments, making homeownership more attainable without the burdens of direct property management.

Kikoff Inc. is a personal finance platform that focuses on helping users build and improve their credit scores. Established in 2019 and based in San Francisco, California, Kikoff provides a web and mobile application that enables customers to access funds and create a payment history by making monthly repayments. The platform is designed to offer a straightforward and affordable way for individuals to demonstrate creditworthiness, even without a traditional bank account or existing credit score. By using Kikoff's services, users can effectively track their credit scores and reports, facilitating a pathway to achieve their financial objectives.

Spinwheel is a financial software platform established in 2019 and based in Oakland, California. The company focuses on assisting Americans in managing and reducing their debt through innovative solutions integrated into popular applications. Spinwheel's API infrastructure enables users to connect, pay, and oversee their debts seamlessly within third-party services. The platform offers features such as loan payment processing, interest rate comparisons, account linking, and the simplification of the loan payment system. Additionally, it allows users to set and achieve financial goals, facilitating debt repayment every time they engage in shopping. Through these services, Spinwheel aims to enhance the financial well-being of its users by making debt management more accessible and manageable.

SeedFi, Inc. is a financial technology company based in San Francisco, California, dedicated to providing personal loan services primarily targeting lower-income consumers. Founded in early 2019 by a team of experienced professionals in the fintech sector, SeedFi focuses on creating innovative financial products that address the needs of the approximately 100 million Americans living paycheck to paycheck. The company offers loans based on credit scores and loan history, aiming to improve financial health by providing lower-cost access to capital. Additionally, SeedFi endeavors to help customers build credit and establish savings, ultimately empowering them to achieve greater financial stability. With a presence in both San Francisco and New York, SeedFi is committed to transforming the financial landscape for vulnerable populations who often face challenges in accessing essential financial services.

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., established in 2019 and based in New York, operates a savings platform that combines elements of banking and gaming. It offers users the opportunity to save money and enter weekly prize draws, with the interest portion from banks funding these prizes.

Spinwheel is a financial software platform established in 2019 and based in Oakland, California. The company focuses on assisting Americans in managing and reducing their debt through innovative solutions integrated into popular applications. Spinwheel's API infrastructure enables users to connect, pay, and oversee their debts seamlessly within third-party services. The platform offers features such as loan payment processing, interest rate comparisons, account linking, and the simplification of the loan payment system. Additionally, it allows users to set and achieve financial goals, facilitating debt repayment every time they engage in shopping. Through these services, Spinwheel aims to enhance the financial well-being of its users by making debt management more accessible and manageable.

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 a technology-driven financial institution that offers a unique debit card service, Jiko Solid, which enables users to track and manage their expenses securely, both online and offline. The company provides cashback on every transaction, single-use virtual cards, and allows users to invest their money in safe assets like US Treasury bills, all with no minimum balance requirements. Jiko operates through a user-friendly mobile application and is headquartered in San Francisco, with additional offices in New York City and Reykjavik. As a vertically integrated financial institution, Jiko combines a nationally chartered bank and a registered broker-dealer to hold cash as T-bills, ensuring safety and yield for its users.

Unit21 Inc. is a San Francisco-based company founded in 2018 that develops a no-code platform designed to streamline risk and compliance operations for businesses. The platform features an application programming interface and a dashboard that enable users to detect and manage money laundering, fraud, and other sophisticated risks across various industries. In addition to risk detection, Unit21's solutions encompass case management, transaction monitoring, identity verification, operations management, as well as analytics and reporting capabilities. The company emphasizes security, employing best practices to safeguard its systems against potential threats.

Finli, Inc. is a technology company that specializes in developing an application to simplify payment processes for family-oriented businesses. The Finli platform serves as a comprehensive business management tool, facilitating invoicing, tuition collection, enrollment, and payment-related communications. It is designed for a variety of users, including daycare centers, preschools, afterschool care programs, and other neighborhood businesses, allowing families to manage their bills and invite contributions toward educational experiences. By automating administrative tasks such as billing and payment collection, Finli helps small business owners, freelancers, and independent service providers streamline their financial operations. Founded in 2018 and headquartered in San Marino, California, Finli aims to enhance the financial infrastructure of its users, thereby improving their business efficiency and community engagement.

Noyo is a company focused on modernizing the insurance industry through API-based data exchange. It was founded by experts in benefits, insurance, and technology, and is recognized as a pioneer in transforming the infrastructure of the benefits sector by enabling seamless digital connectivity. Noyo's system facilitates the secure exchange of crucial benefits data among insurers, brokers, and consumers, allowing for real-time access to information. By integrating a suite of user-friendly application programming interfaces, Noyo enables efficient communication and monitoring of benefit enrollments, thereby connecting various platforms and enhancing the design and delivery of insurance benefits.

PadSplit, Inc. is an Atlanta-based company founded in 2017 that specializes in affordable housing solutions through a house-sharing model. It operates a digital marketplace that enables property owners to convert single-family homes into multi-unit residences, offering individual rooms with shared common areas such as kitchens and bathrooms. By focusing on the workforce, PadSplit aims to provide affordable living options for low-income individuals, allowing them to save money and potentially improve their quality of life. The platform fosters collaboration among residents, property owners, and communities, ensuring that the incentives are aligned to make affordable housing more accessible in the private market. Through its innovative approach, PadSplit empowers users to transform their living situations while promoting shared living arrangements.

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 that focuses on helping users build and improve their credit scores. Established in 2019 and based in San Francisco, California, Kikoff provides a web and mobile application that enables customers to access funds and create a payment history by making monthly repayments. The platform is designed to offer a straightforward and affordable way for individuals to demonstrate creditworthiness, even without a traditional bank account or existing credit score. By using Kikoff's services, users can effectively track their credit scores and reports, facilitating a pathway to achieve their financial objectives.

Kikoff Inc. is a personal finance platform that focuses on helping users build and improve their credit scores. Established in 2019 and based in San Francisco, California, Kikoff provides a web and mobile application that enables customers to access funds and create a payment history by making monthly repayments. The platform is designed to offer a straightforward and affordable way for individuals to demonstrate creditworthiness, even without a traditional bank account or existing credit score. By using Kikoff's services, users can effectively track their credit scores and reports, facilitating a pathway to achieve their financial objectives.

Atomic is a technology company focused on enhancing consumer engagement within financial services through innovative product development. It aims to launch a series of financial products, beginning with a balance transfer solution for credit cards, home equity lines of credit, and potentially auto loans. Atomic's platform streamlines the connection of payroll accounts using secure credentials, significantly reducing the risk of fraud and minimizing manual processes through multi-step verification. This allows for more efficient and secure banking transactions for both employees and businesses. By improving transaction speed and user experience, Atomic addresses significant pain points faced by financial institutions and fintech companies, moving beyond the limitations of current manual systems.

Drum is a gig economy platform that aims to enhance the lives of millions by facilitating the creation and management of sales forces for businesses. Launched in 2019, it allows companies to establish a sales presence more efficiently than traditional advertising methods. In addition to supporting businesses, Drum provides a comprehensive platform for creators, enabling them to engage with their followers and monetize their content. The platform offers in-app analytics that help creators sell both digital and physical products directly through their profiles, allowing them to focus on their creative endeavors while managing their sales effectively.

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 Atlanta-based company founded in 2017 that specializes in affordable housing solutions through a house-sharing model. It operates a digital marketplace that enables property owners to convert single-family homes into multi-unit residences, offering individual rooms with shared common areas such as kitchens and bathrooms. By focusing on the workforce, PadSplit aims to provide affordable living options for low-income individuals, allowing them to save money and potentially improve their quality of life. The platform fosters collaboration among residents, property owners, and communities, ensuring that the incentives are aligned to make affordable housing more accessible in the private market. Through its innovative approach, PadSplit empowers users to transform their living situations while promoting shared living arrangements.

SeedFi, Inc. is a financial technology company based in San Francisco, California, dedicated to providing personal loan services primarily targeting lower-income consumers. Founded in early 2019 by a team of experienced professionals in the fintech sector, SeedFi focuses on creating innovative financial products that address the needs of the approximately 100 million Americans living paycheck to paycheck. The company offers loans based on credit scores and loan history, aiming to improve financial health by providing lower-cost access to capital. Additionally, SeedFi endeavors to help customers build credit and establish savings, ultimately empowering them to achieve greater financial stability. With a presence in both San Francisco and New York, SeedFi is committed to transforming the financial landscape for vulnerable populations who often face challenges in accessing essential financial services.

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, established in 2017 and based in Newport Beach, California, operates a digital wallet enabling users to earn, store, and spend money within its platform. The company facilitates saving and earning by offering financial rewards for gaming activities, such as playing popular titles or trying new ones. Users can accumulate funds through small monetary increments while engaged in gameplay, with the option to make in-app purchases using their earned balance. Blast aims to harmonize gaming and finance, making wealth accumulation more accessible and enjoyable.

Pairity is a technology-driven company focused on transforming the consumer debt management landscape through advanced artificial intelligence and machine learning. By developing a suite of innovative products, Pairity aims to enhance the debt collection process for lenders, collectors, and individuals. Its offerings include the Pairity Marketplace, which centralizes consumer debt and provides lenders with tools for account recovery; Pairity ML, an AI analytics platform that scores accounts and simulates recovery strategies; and Pairity Digital, a customizable communication and payment platform designed to assist consumers in achieving financial stability. These products create a comprehensive ecosystem that fosters efficient and effective management of accounts receivable, thereby improving productivity and compliance while building 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 company based in New York that has developed a platform to enhance communication between companies and their individual shareholders. Founded in 2017, Say's platform empowers shareholders to exercise their full ownership rights by facilitating open dialogue outside traditional shareholder communication channels. It features various services, including proxy processing, fund reports, trade confirmations, post-sale prospectus delivery, and the management of voluntary corporate actions and class actions. By connecting individual shareholders with one another and providing tools to aggregate and authenticate their voices, Say aims to level the playing field with institutional investors and transform the experience of stock ownership.

Blast, established in 2017 and based in Newport Beach, California, operates a digital wallet enabling users to earn, store, and spend money within its platform. The company facilitates saving and earning by offering financial rewards for gaming activities, such as playing popular titles or trying new ones. Users can accumulate funds through small monetary increments while engaged in gameplay, with the option to make in-app purchases using their earned balance. Blast aims to harmonize gaming and finance, making wealth accumulation more accessible and enjoyable.

Blueprint Income is a New York-based company that operates a platform connecting pension planners with insurance companies. Founded in 2014, the firm offers a direct-to-consumer service that assists users in saving and planning for retirement by selecting annuity and pension products tailored to their personal circumstances. The company's digital platform enables consumers to compare and purchase retirement income products easily. Blueprint Income aims to make guaranteed, lifelong income accessible to anyone, regardless of employer, age, or wealth, by simplifying the process of obtaining an income annuity.

Jiko is a technology-driven financial institution that offers a unique debit card service, Jiko Solid, which enables users to track and manage their expenses securely, both online and offline. The company provides cashback on every transaction, single-use virtual cards, and allows users to invest their money in safe assets like US Treasury bills, all with no minimum balance requirements. Jiko operates through a user-friendly mobile application and is headquartered in San Francisco, with additional offices in New York City and Reykjavik. As a vertically integrated financial institution, Jiko combines a nationally chartered bank and a registered broker-dealer to hold cash as T-bills, ensuring safety and yield for its users.

Carrot Fertility, Inc. offers comprehensive fertility benefits services for employers, supporting employees throughout their fertility healthcare journey on a global scale. Founded in 2015 and headquartered in San Francisco, California, the company provides a range of services including egg freezing, in vitro fertilization, adoption, donor and gestational carrier services. It also features Carrot Rx, a premium pharmacy experience for fertility medications, and Carrot Pregnancy, which offers virtual access to experts and on-demand doctor-approved content. Additionally, Carrot Card is a flexible debit card that employees can use to pay for fertility care. Carrot Fertility aims to help companies customize their fertility benefits, ensuring that employees receive the necessary financial, medical, and emotional support as they pursue parenthood. The company has expanded its presence with additional offices in major cities including 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 transforming the consumer debt management landscape through advanced artificial intelligence and machine learning. By developing a suite of innovative products, Pairity aims to enhance the debt collection process for lenders, collectors, and individuals. Its offerings include the Pairity Marketplace, which centralizes consumer debt and provides lenders with tools for account recovery; Pairity ML, an AI analytics platform that scores accounts and simulates recovery strategies; and Pairity Digital, a customizable communication and payment platform designed to assist consumers in achieving financial stability. These products create a comprehensive ecosystem that fosters efficient and effective management of accounts receivable, thereby improving productivity and compliance while building trust among financial institutions, debt collection agencies, and consumers.

HealthSherpa is a technology company that specializes in connecting individuals and families with health insurance coverage. As a certified web broker for Healthcare.gov, it offers a streamlined platform for consumers, employers, and nonprofits to enroll in subsidy-eligible health plans. The company focuses on simplifying the health insurance process by providing tools that assist users in selecting appropriate plans based on their budget and healthcare needs. HealthSherpa aims to enhance the enrollment experience, making it more accessible and user-friendly, while also helping clients effectively utilize their insurance after enrollment.

Nova Credit Inc. is a credit reporting agency based in San Francisco, California, incorporated in 2016. The company specializes in providing cross-border credit services, enabling immigrants to access financial services and housing by leveraging their credit history from their home countries. Nova Credit utilizes alternative credit data and bank-grade infrastructure to enhance traditional credit analytics, offering solutions such as Credit Passport®, which assists lenders in evaluating creditworthiness for individuals with limited local credit histories. Additionally, its Cash Atlas™ product provides cash flow underwriting and verification. By serving as a bridge between data and credit excellence, Nova Credit empowers businesses to make informed decisions and fosters responsible growth in the open finance landscape. The company collaborates with prominent organizations like American Express, Verizon, and HSBC, and is backed by notable investors and industry executives.

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 supports established lenders in borrower acquisition, digital application processes, decision-making, and communication with borrowers. By providing a streamlined user experience, Mirador enhances profitability and efficiency in the lending process, helping traditional lenders remain competitive. The platform can be augmented with modules for highly prequalified lead generation and a second look program, allowing lenders to develop or expand their small business loan offerings with a single partner. Mirador's implementation has resulted in a significant increase in efficiency for lenders and a notable reduction in loan origination costs. The company caters to various small business lending products, including term loans, collateralized loans, SBA guaranteed loans, commercial real estate financing, and quick decision loans, with amounts ranging from $1,000 to over $20 million.

Honest Dollar, Inc. is an Austin, Texas-based company founded in 2014 that specializes in providing an online platform designed to offer transparency and information related to finances and retirement plans. As a subsidiary of Goldman Sachs Private Wealth Management, Honest Dollar aims to simplify the financial planning process for individuals, making it easier for them to prepare for retirement. The company leverages innovative technology to enhance user experience and deliver accessible financial solutions, although specific details of its offerings remain under wraps as part of its stealth startup phase.

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 specializes in an online platform for comparing property and casualty insurance, particularly car insurance. Established in 2010, CoverHound provides consumers with the ability to assess their personal insurance needs and receive accurate rate comparisons from top national carriers and local agents. The platform aims to deliver transparent options and smart recommendations, enabling users to find the most suitable policies at competitive prices. Emphasizing consumer control, CoverHound ensures that users receive personalized quotes without spam and with a commitment to protecting their private information.

Fundera, Inc. is an online marketplace based in New York that facilitates the comparison of various small business loan options for entrepreneurs. Founded in 2013 and currently a subsidiary of NerdWallet, Fundera offers 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, small business startup loans, and personal loans tailored for business purposes. The company leverages proprietary technology and financial expertise to provide small business owners with insights and tailored options, enabling them to make informed decisions about their financing needs. By connecting users with multiple lenders, credit card issuers, and banks, Fundera aims to help entrepreneurs secure funding at competitive rates.

Mayvenn, Inc. is a company based in Oakland, California, that provides tools for hair stylists to sell hair extensions directly to their clients. Founded in 2012, Mayvenn aims to empower hairstylists and salon professionals by transforming the retail landscape for hair products. The company's platform eliminates the need for stylists to incur upfront costs or manage inventory, facilitating a more streamlined sales process. This innovative approach has led to significant growth, with a network of over 50,000 stylists and hundreds of thousands of customers across the nation. Mayvenn focuses on enhancing the purchasing experience for clients while investing in the salon community, thereby contributing to a nationwide movement in the beauty industry.

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 established in 2016 that specializes in social lending services. It enables borrowers to secure personal loans with more favorable terms than those typically available from traditional lending institutions or marketplaces. Vouch Financial distinguishes itself by incorporating a friend-powered approach to lending, where loans are facilitated based on the credibility and endorsements from the borrowers' relatives and friends. This innovative model allows users to leverage their social networks to enhance their borrowing potential, thereby creating a more personalized and supportive lending experience.

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 specializes in an online platform for comparing property and casualty insurance, particularly car insurance. Established in 2010, CoverHound provides consumers with the ability to assess their personal insurance needs and receive accurate rate comparisons from top national carriers and local agents. The platform aims to deliver transparent options and smart recommendations, enabling users to find the most suitable policies at competitive prices. Emphasizing consumer control, CoverHound ensures that users receive personalized quotes without spam and with a commitment to protecting their private information.

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 payment solution provider based in Lake Forest, California, established in 2010. The company focuses on serving the unbanked and underbanked consumers globally by offering a mobile payment application that allows users to make cash payments from their smartphones. Wipit’s services include bill payments, phone top-ups, fund transfers, and an integrated Visa prepaid card. Additionally, Wipit partners with prominent companies such as H&R Block and Euronet Worldwide to enhance its service offerings. Notably, Wipit is the service provider for the co-branded "Boost Mobile Wallet," collaborating with Boost Mobile to deliver mobile financial services to a large base of smartphone users. As of September 2015, Wipit operates as a subsidiary of Urban FT, Inc.

L2C is a prominent provider of advanced consumer scoring and analytics solutions in the United States. The company utilizes alternative payment and asset data to develop predictive scores for credit, collection, and marketing purposes, covering over 260 million Americans. L2C serves a diverse range of clients across various industries, including 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.