Core Innovation Capital

Prism Data develops an advanced cash flow underwriting platform that transforms raw banking transaction data into valuable insights. This enables businesses to assess credit risk, identify consumers, understand income patterns, and enhance services in areas such as payments, lending, insurance, personal finance management, fraud detection, and real estate.

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

Upwage is a job posting platform that includes hourly wage information in its listings. It uses big data and AI to help low-income workers find better-paying jobs, aiming to create $1 trillion in new wealth for them.

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 simplifies employee benefits enrollment through its intelligent platform. It uses advanced algorithms and data to provide personalized guidance for each individual, helping them make informed decisions about their HSA plans, supplemental medical insurance, voluntary insurance, and retirement accounts year-round.

Founded in 2019, XP Health is a health tech startup offering an AI-powered vision benefits platform for employees and families. It uses facial recognition technology to recommend suitable eyewear from leading designers with high accuracy. The company works with businesses like Chegg and Zenefits, providing comprehensive virtual-first eye care at lower costs.

Finli develops software that simplifies payments for family-centric businesses. It offers invoicing, tuition collection, enrollment tracking, and payment-related communication tools. Finli serves daycare centers, preschools, afterschool programs, neighborhood businesses, families, and corporations.

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 is a real estate investing platform that enables individuals to invest in shares of residential rental properties. The platform purchases and manages the properties, handling acquisition, improvements, and daily operations, with the goal of generating passive income from rent and property appreciation. Investors can participate by buying shares of rental homes, potentially including vacation rentals, and benefit from ongoing rental income while the platform oversees management and property maintenance. Arrived Homes is headquartered in Seattle, Washington.

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 that builds digital financial products designed to improve consumer engagement in financial services. It aims to launch a series of products, starting with a balance transfer solution for credit cards, home equity lines of credit, and potentially auto loans, all focused on delivering a streamlined user experience and solving friction for financial institutions and fintechs. Its platform enables users to connect their payroll accounts using payroll credentials, reducing fraud and manual processes through multi-step verification, allowing employees and businesses to conduct secure banking transactions efficiently. The system accelerates payoff times by four to five times and emphasizes a user-centered design that prioritizes speed and ease of use.

Addition Wealth is a digital platform that empowers employees to make informed financial decisions. It combines online tools, educational resources, expert content, and access to financial professionals, making personalized financial advice accessible to all employees. The company partners with employers to improve their workforce's financial well-being.

Conduit is a payments platform that enables cross-border B2B transfers and invoice settlement between Latin America and the United States. It supports moving money between USD and multiple local currencies in emerging markets, providing faster settlement, increased visibility, and fewer steps than traditional payment rails. The platform aims to help global businesses execute cross-border transactions on the same day, offering transparent quotes and straightforward tooling for managing multi-currency transfers. By focusing on cross-border efficiency and scale between local fiat currencies and USD, Conduit seeks to simplify international payments and improve cash flow for customers operating in Latin America and beyond.

Chapter operates a Medicare navigation platform that provides advisory services to help seniors select health coverage. The service presents comprehensive plan comparisons, enrollment assistance, and ongoing support, tailoring recommendations to individual needs, cost considerations, and coverage preferences. The platform is designed to align incentives between Medicare advisors and consumers by delivering independent guidance that is not influenced by economic relationships. Through digital tools and personalized guidance, Chapter enables older adults to navigate Medicare options efficiently, supporting informed decision-making and long-term healthcare security.

ATM.com is a technology company that helps consumers control and monetize the value of their data. It develops Ant Transaction Machines to track data and give users immediate control over what can be used, enabling self-monetization of digital actions. The company also operates an embedded financial platform that makes micro-investing and participation in rewards programs more accessible, allowing users to open investment accounts and build small, recurring investments. Founded in 2018 in Newport Beach, California by Walter Cruttenden and Mike Gleason, ATM.com focuses on capturing data-driven value and facilitating revenue sharing with data aggregators and micro-investment partners while simplifying access to investment opportunities for individuals.

Ampla is a financial technology company that offers tech-enabled financial solutions to help businesses grow. It operates an all-in-one financing platform that provides growth capital, modern banking services, and data analytics, delivering growth and working capital solutions through a platform designed to streamline access to capital for omnichannel brands and solve cash flow challenges.

Groundswell operates a SaaS platform that enables companies to establish personal donor-advised funds for each employee, facilitating tax-free investments, customized giving opportunities, and centralized impact reporting.

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.

Founded in Atlanta, Georgia in 2017, PadSplit operates a digital platform that facilitates shared housing arrangements. The company transforms single-family homes into multi-unit dwellings, offering affordable accommodation options for the workforce by sharing common spaces and utilities.

Atomic FI is a technology company that builds digital financial products designed to improve consumer engagement in financial services. It aims to launch a series of products, starting with a balance transfer solution for credit cards, home equity lines of credit, and potentially auto loans, all focused on delivering a streamlined user experience and solving friction for financial institutions and fintechs. Its platform enables users to connect their payroll accounts using payroll credentials, reducing fraud and manual processes through multi-step verification, allowing employees and businesses to conduct secure banking transactions efficiently. The system accelerates payoff times by four to five times and emphasizes a user-centered design that prioritizes speed and ease of use.

Chapter operates a Medicare navigation platform that provides advisory services to help seniors select health coverage. The service presents comprehensive plan comparisons, enrollment assistance, and ongoing support, tailoring recommendations to individual needs, cost considerations, and coverage preferences. The platform is designed to align incentives between Medicare advisors and consumers by delivering independent guidance that is not influenced by economic relationships. Through digital tools and personalized guidance, Chapter enables older adults to navigate Medicare options efficiently, supporting informed decision-making and long-term healthcare security.

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.

Founded in 2017, Mighty Buildings is a pioneering construction technology company based in San Francisco. It specializes in manufacturing custom houses using proprietary 3D printing techniques, aiming to revolutionize the residential housing market by reducing waste and enhancing energy efficiency.

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 is a real estate investing platform that enables individuals to invest in shares of residential rental properties. The platform purchases and manages the properties, handling acquisition, improvements, and daily operations, with the goal of generating passive income from rent and property appreciation. Investors can participate by buying shares of rental homes, potentially including vacation rentals, and benefit from ongoing rental income while the platform oversees management and property maintenance. Arrived Homes is headquartered in Seattle, Washington.

Kikoff is a personal finance platform that helps users build credit histories and improve credit scores. Through a web and mobile app, it provides tools to build credit, save, monitor credit scores and reports, and access funds by paying back monthly to establish a payment history. The platform emphasizes turning credit builders into reliable borrowers and offers AI-powered products to help users build credit, reduce debt, save on bills, and access money, enabling individuals to take control of their financial future. Kikoff was founded in 2019 and is based in San Francisco.

Founded in 2019, Spinwheel is a software platform based in Oakland, California. It helps Americans manage and repay their debts more efficiently by integrating its solutions into popular apps.

SeedFi operates an online platform offering payroll loans to consumers, focusing on those living paycheck to paycheck. Founded in 2019 by fintech veterans, the company aims to provide lower-cost access to capital and improve financial health for vulnerable members of society.

Founded in 2017, Mighty Buildings is a pioneering construction technology company based in San Francisco. It specializes in manufacturing custom houses using proprietary 3D printing techniques, aiming to revolutionize the residential housing market by reducing waste and enhancing energy efficiency.

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.

Founded in 2019, Spinwheel is a software platform based in Oakland, California. It helps Americans manage and repay their debts more efficiently by integrating its solutions into popular apps.

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 fintech company that offers debit cards and a digital money platform designed to combine everyday payments with treasury-based investing. Its debit product includes cash back on purchases, single-use virtual cards, and no minimum balance, delivered through a mobile app. Jiko positions itself as a bank-like service built on safe assets, notably U.S. Treasury bills, enabling users to hold cash and earn yield while maintaining liquidity. The platform supports direct investing in treasury bills and provides an embedded finance API that facilitates sending, receiving, and spending money digitally, effectively serving as a financial portal for users to manage and grow their money. The company focuses on safety and speed, integrating banking and brokerage functions to custody cash in Treasuries and offer scalable, accessible financial services.

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 develops software that simplifies payments for family-centric businesses. It offers invoicing, tuition collection, enrollment tracking, and payment-related communication tools. Finli serves daycare centers, preschools, afterschool programs, neighborhood businesses, families, and corporations.

Noyo facilitates modern insurance through API-based data exchange. Founded by experts in benefits, insurance, and API technology, it's the first company to digitally transform the benefits industry infrastructure. Noyo enables instant access to crucial benefits data across platforms, unlocking new possibilities for benefits design and delivery.

Founded in Atlanta, Georgia in 2017, PadSplit operates a digital platform that facilitates shared housing arrangements. The company transforms single-family homes into multi-unit dwellings, offering affordable accommodation options for the workforce by sharing common spaces and utilities.

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 is a personal finance platform that helps users build credit histories and improve credit scores. Through a web and mobile app, it provides tools to build credit, save, monitor credit scores and reports, and access funds by paying back monthly to establish a payment history. The platform emphasizes turning credit builders into reliable borrowers and offers AI-powered products to help users build credit, reduce debt, save on bills, and access money, enabling individuals to take control of their financial future. Kikoff was founded in 2019 and is based in San Francisco.

Kikoff is a personal finance platform that helps users build credit histories and improve credit scores. Through a web and mobile app, it provides tools to build credit, save, monitor credit scores and reports, and access funds by paying back monthly to establish a payment history. The platform emphasizes turning credit builders into reliable borrowers and offers AI-powered products to help users build credit, reduce debt, save on bills, and access money, enabling individuals to take control of their financial future. Kikoff was founded in 2019 and is based in San Francisco.

Atomic FI is a technology company that builds digital financial products designed to improve consumer engagement in financial services. It aims to launch a series of products, starting with a balance transfer solution for credit cards, home equity lines of credit, and potentially auto loans, all focused on delivering a streamlined user experience and solving friction for financial institutions and fintechs. Its platform enables users to connect their payroll accounts using payroll credentials, reducing fraud and manual processes through multi-step verification, allowing employees and businesses to conduct secure banking transactions efficiently. The system accelerates payoff times by four to five times and emphasizes a user-centered design that prioritizes speed and ease of use.

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.

Founded in 2017, Mighty Buildings is a pioneering construction technology company based in San Francisco. It specializes in manufacturing custom houses using proprietary 3D printing techniques, aiming to revolutionize the residential housing market by reducing waste and enhancing energy efficiency.

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.

Founded in Atlanta, Georgia in 2017, PadSplit operates a digital platform that facilitates shared housing arrangements. The company transforms single-family homes into multi-unit dwellings, offering affordable accommodation options for the workforce by sharing common spaces and utilities.

SeedFi operates an online platform offering payroll loans to consumers, focusing on those living paycheck to paycheck. Founded in 2019 by fintech veterans, the company aims to provide lower-cost access to capital and improve financial health for vulnerable members of society.

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.

Founded in 2017, Mighty Buildings is a pioneering construction technology company based in San Francisco. It specializes in manufacturing custom houses using proprietary 3D printing techniques, aiming to revolutionize the residential housing market by reducing waste and enhancing energy efficiency.

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 fintech company that offers debit cards and a digital money platform designed to combine everyday payments with treasury-based investing. Its debit product includes cash back on purchases, single-use virtual cards, and no minimum balance, delivered through a mobile app. Jiko positions itself as a bank-like service built on safe assets, notably U.S. Treasury bills, enabling users to hold cash and earn yield while maintaining liquidity. The platform supports direct investing in treasury bills and provides an embedded finance API that facilitates sending, receiving, and spending money digitally, effectively serving as a financial portal for users to manage and grow their money. The company focuses on safety and speed, integrating banking and brokerage functions to custody cash in Treasuries and offer scalable, accessible financial services.

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 specializing in connecting individuals with suitable health coverage. As a certified web broker for Healthcare.gov, it offers a user-friendly platform for consumers, employers, and nonprofits to enroll in subsidy-eligible health plans. The platform simplifies plan selection and provides tools to aid post-enrollment insurance usage.

Nova Credit is a data analytics and credit reporting company focused on expanding access to credit for immigrants by making their financial histories portable across borders. It combines alternative data with bank-grade infrastructure to provide a compliant credit platform and cross-border reporting, including solutions such as Credit Passport and cash flow underwriting and verification. The company helps lenders, property managers, and other businesses assess credit risk more accurately, enabling immigrants to access financial services and housing abroad where traditional credit data are limited. Headquartered in San Francisco, Nova Credit serves clients across industries and leverages its credit expertise to bridge gaps in conventional credit analytics and support responsible growth in open finance.

Mosaic is a residential solar financing company that provides financing for home solar systems, enabling homeowners to adopt solar energy and share in the benefits of clean energy. The platform supports contractors and homeowners with a simple financing option at the point of sale, aligning with its mission of expanding access to clean energy and broad participation in the transition to sustainable energy. Founded in 2011 and based in Oakland, California, Mosaic focuses on delivering financing solutions that simplify solar adoption and promote environmental and economic benefits for customers.

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 platform for small business lending. It supports established lenders by streamlining the borrowing process, enhancing user experience, and improving profitability. Mirador offers modules for lead generation and second-look programs, enabling lenders to implement or expand small business loan programs efficiently.

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.

Founded in 2013, Mayvenn empowers hair stylists by providing tools to sell hair extensions directly to clients without the need for upfront costs or inventory. With a nationwide network of over 50,000 stylists and hundreds of thousands of customers, Mayvenn has transformed salon retail.

Ripple Labs operates a global payments network using blockchain technology. It offers RippleNet, connecting banks, payment providers, digital asset exchanges, and corporates for cross-border payments. Key solutions include XRP (a digital asset for payments), xCurrent (for banks), xRapid (for payment providers), and xVia (for corporates). The company is headquartered in San Francisco with additional offices globally.

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 operates a global payments network using blockchain technology. It offers RippleNet, connecting banks, payment providers, digital asset exchanges, and corporates for cross-border payments. Key solutions include XRP (a digital asset for payments), xCurrent (for banks), xRapid (for payment providers), and xVia (for corporates). The company is headquartered in San Francisco with additional offices globally.

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.

Founded in 2005, Oportun is a digital banking platform that empowers members with responsible credit options, savings tools, and budgeting capabilities. It has provided over $15 billion in affordable credit, saving members approximately $2.3 billion in interest and fees.