Curql Collective

Trust & Will is an online platform that simplifies estate planning by providing attorney-approved, legally valid documents tailored to individual state guidelines. Founded in 2017 and headquartered in San Diego, California, the company has assisted hundreds of thousands of members in creating estate plans or settling the estates of their loved ones. The platform offers an easy, fast, and secure way to establish wills, trusts, and other legal documents, allowing clients to save on legal fees while ensuring their wishes are properly documented. Trust & Will employs bank-level encryption to protect customer data and adheres to high security standards, including SOC 2 and HIPAA compliance. The company is recognized as the official estate planning benefit provider for AARP members and collaborates with various leading financial institutions to promote its mission of helping families leave their legacies.

Casap is a modern platform, it builds technology for financial services.

Illuma Labs, Inc. is a technology company based in Plano, Texas, specializing in real-time audio authentication for voice communications. Founded in 2018, the company provides solutions for secure caller authentication in contact centers and user identification for connected devices such as smartphones and smart speakers. Its flagship product, Illuma Shield, utilizes advanced signal processing, machine learning, and artificial intelligence to analyze natural conversations and deliver high rates of authentication accuracy quickly. The platform operates passively, continuously evaluating the speaker's voice and device characteristics to enhance security against fraud and social engineering. Illuma Labs supports various industries, including financial services, insurance, and e-commerce, by improving user experience while reducing operational costs.

Amount, Inc. is a digital technology company based in Chicago, Illinois, specializing in mobile banking solutions for financial institutions. Established in 2018, Amount focuses on accelerating digital transformation by offering a range of services that enhance customer acquisition and optimize performance across various product categories, including personal loans, credit cards, and deposit accounts. Its flagship product, Amount 360, is a cloud-based platform that provides comprehensive solutions with features such as omnichannel integration, fraud prevention, and risk analytics. Amount's services enable financial institutions to modernize their retail offerings and improve user experiences, with clients collectively managing nearly $1 trillion in U.S. assets and serving over 25 million customers.

Powerlytics, Inc. operates a market intelligence platform that delivers comprehensive consumer and business financial data primarily sourced from U.S. government information. Founded in 2011 and based in Doylestown, Pennsylvania, the company specializes in providing analytical insights and unique economic reports that help organizations address risk and compliance challenges. Its platform enables businesses to generate benchmarking and market sizing reports for approximately 27 million businesses and 140 million individuals, broken down by geographic, industry, and size parameters. Powerlytics’ offerings include solutions for risk management, market growth, digital marketing audiences, and performance benchmarking, serving sectors such as financial services, insurance, and investment management. By analyzing anonymized financial information, Powerlytics supports corporate strategy development, competitor evaluation, and targeted marketing efforts.

ModernFi operates a deposit network designed to assist financial institutions in managing and expanding their deposit base. The company offers solutions that enable institutions to sweep funds, source deposits, and provide extended insurance to their depositors through partner institutions. By focusing on attracting and retaining large-value depositors, ModernFi aims to enhance growth and improve balance sheet stability for its clients.

Traduality is a technology company that specializes in providing AI-powered translation solutions for credit unions, community banks, and other regulated entities. The company’s platform enables organizations to effectively serve and engage non-English speaking customers across various channels, including branches, contact centers, and marketing efforts. By leveraging secure AI devices and a cloud-based infrastructure, Traduality allows staff to communicate and create content in multiple languages while monitoring language demand at different locations. Additionally, the platform offers access to professional human translators for critical content and features an AI-powered interpreting application to facilitate employee communications, ensuring high-quality translations and responsive service.

Penny Finance is an online financial mentorship platform designed to provide women with personalized financial education and guidance at the beginning of their financial journeys. By simulating traditional one-on-one advising models, the platform offers step-by-step e-learning tools and insights into money management, debt, and investing. Its mission is to empower women who may not have access to a financial mentor, helping them gain confidence in their financial decision-making and improve their overall financial well-being. Through its innovative approach, Penny Finance aims to change the way young women start investing and managing their finances.

DefenseStorm, Inc. is a cybersecurity company that specializes in providing a cloud-based management platform tailored for financial institutions. Established in 2014 and headquartered in Alpharetta, Georgia, the company offers a comprehensive suite of solutions that includes management oversight, reporting, smart threat response, and community intelligence. By integrating real-time threat detection and compliance, DefenseStorm enables banks to effectively manage cybersecurity and adhere to regulatory requirements. The platform leverages big data analytics to unify detection, investigation, and reporting, helping financial organizations safeguard against digital privacy attacks while ensuring cost-effective management of their security needs. DefenseStorm was previously known as Praesidio, Inc. before rebranding in June 2016.

Allure Security Technology, Inc. specializes in designing and developing online security solutions aimed at protecting enterprises from cyber threats. The company offers Novo, an advanced user behavioral analytics software that utilizes machine learning and decoy technology to safeguard devices from data loss and intrusions. This platform provides real-time alerts and helps security professionals identify unusual activities. Additionally, Allure has developed an anti-phishing solution that detects phishing campaigns almost immediately, devaluing stolen information and assisting enterprises in dismantling malicious sites. The innovative technologies, which include authentication solutions using user behavior as a biometric password, are designed to enhance security both within and outside the enterprise environment. Founded in 1996, Allure Security is headquartered in Waltham, Massachusetts.

Pulsate is a marketing communication software company that specializes in enhancing customer engagement for businesses, particularly in the financial sector. The platform allows clients to send personalized campaigns based on customers' locations, contexts, interests, and behaviors, facilitating direct communication and dialogue. By enabling the design and delivery of rich media content to customers' devices, Pulsate fosters stronger relationships and encourages user feedback while keeping complaints off social media. The company also utilizes iBeacons technology to provide precise insights into indoor customer locations and contexts, allowing businesses to optimize their marketing strategies. Through its cloud platform, Pulsate simplifies the management of iBeacon deployment and configuration, helping clients maximize foot traffic and improve campaign effectiveness.

Penta Privacy Lock protects the business and customers. They assist them in keeping track of the information they have collected from their customers. They tag and track consumer information in the databases using proprietary data mapping software without interfering with business operations.

Ranqx develops innovative benchmarking software that allows businesses to compare their performance against similar organizations easily. This software is designed for companies of all sizes, industries, locations, and stages, providing a comprehensive view of their performance in relation to industry averages. By integrating financial performance metrics and customer feedback data, Ranqx's platform enables organizations to gain valuable insights into their operational effectiveness and growth potential. This holistic approach helps businesses identify areas for improvement and make informed decisions to enhance their overall performance.

Casap is a modern platform, it builds technology for financial services.

Spiral is the award-winning personalized banking platform that enables banks and credit unions to grow deposits and attract new account holders through financial wellness and community impact. With Spiral, financial institutions can positively impact the lives of their account holders and their communities through any online bank account, debit card, or credit card. Thus, Spiral makes it simple for financial institutions to drive positive change and empower millions of people to build better lives and positively impact their communities. Spiral is spearheaded by fintech serial entrepreneur Shawn Melamed, a former Managing Director of Morgan Stanley's Technology Business Development and Innovation Offices. Their mission-driven team has deep banking, nonprofit, and fintech expertise, including Jim Rosenthal, the former COO of Morgan Stanley, who is part of Spiral's board.

Provision IAM specializes in providing a role-based identity access management system tailored for mid-sized banks and credit unions. The company automates routine tasks associated with user access management, allowing employees to concentrate on more critical activities. By enhancing security measures and streamlining audit preparation processes, Provision IAM helps financial institutions meet their specific operational requirements and supports their growth objectives. Through its innovative solutions, Provision IAM addresses the unique challenges faced by the financial sector, ensuring effective management of access and identity while minimizing overhead.

BlastPoint specializes in big data solutions that enable companies to enhance revenue growth by effectively discovering, targeting, and engaging with their customer data. The company offers a predictive AI-powered platform that addresses customer engagement challenges, allowing businesses to find and satisfy their customers throughout their lifetime. BlastPoint serves a diverse range of sectors, including energy, finance, automotive, and nonprofit organizations, helping them identify trends and extract valuable insights specific to their territories or market dynamics.

PortX’s Fintech Hub is the Integration-Platform-as-a-Service focused on financial services infrastructure that allows open access to core data and simplifies integrations to third-party applications like fintechs. Access to data and the freedom to connect with partners enables rapid project delivery, agile innovation cycles, and optimal user experiences. PortX facilitates interoperability between internal systems and services such as online banking, credit checks, mortgage and loan applications, and more, allowing for a real-time 360-degree view of account holder data. Financial institutions can empower their teams to connect to fintech partners and real-time payment networks like Zelle®, ACH, FedNow, and others. For more information, please visit portx.io and connect on LinkedIn.

Bowery Valuation, founded in 2015 and based in New York, specializes in cloud-based appraisal software and mobile applications designed for commercial real estate appraisal. The company's technology enables appraisers to generate full appraisal reports more than twice as quickly as traditional methods. By leveraging a robust backend database and a natural language generator, Bowery Valuation enhances efficiency, quality, and consistency across appraisal firms. This allows appraisers to produce reports more consistently and at a lower cost, streamlining the appraisal process in the commercial real estate sector.

AKUVO specializes in providing cloud-native collections and credit risk management software tailored for financial institutions such as banks, credit unions, and fintech companies. The company's platform incorporates advanced technologies, including artificial intelligence, machine learning, and natural language processing, to improve the efficiency of collection processes, reduce operational costs, and proactively identify potential delinquencies. By transforming valuable market and business performance data into actionable insights, AKUVO helps its clients make informed financing and lending decisions. Their solutions emphasize a digital consumer experience and a behavior-based approach to managing account performance, ultimately enhancing overall business performance for their users.

NYMBUS, Inc. is a technology company based in Miami Beach, Florida, that specializes in providing Software-as-a-Service solutions for financial institutions. Established in 2006, NYMBUS offers a comprehensive platform that includes SmartLaunch, which allows banks to quickly establish a digital brand; SmartMarketing, a customer relationship management tool; and SmartCore, a digital-first core data processing solution. Additionally, the company provides SmartDigital, a core-agnostic integration platform, SmartPayments for real-time payment processing and fraud protection, and SmartServices for direct access to industry expertise. By enabling financial institutions of all sizes to innovate and launch full-service digital banks efficiently, NYMBUS aims to transform the financial services landscape while ensuring a risk-free and customer-centric digital experience.

Bankjoy is a fintech company based in Detroit that specializes in providing modern banking technology solutions for banks and credit unions. Founded in 2014, the company's offerings include mobile banking, online banking, e-statements, online account opening, and loan applications, as well as features like AI-powered voice banking. Bankjoy's platform enables users to perform essential banking tasks such as paying bills, depositing checks, and sending money. It also includes functionalities for check deposits, travel notifications, and blocking lost or stolen cards. By focusing on user experience and design, Bankjoy aims to deliver advanced features with simple navigation, allowing credit unions to effectively compete with larger financial institutions. The company is backed by Y Combinator, emphasizing its commitment to innovation in the banking sector.

Zest AI develops an artificial intelligence-based platform aimed at improving credit underwriting processes. Founded in 2009 and based in Burbank, California, the company utilizes advanced machine learning techniques to analyze large volumes of credit data, enhancing approval rates while minimizing the risk of erroneous credit decisions. By providing a transparent and fair approach to credit, Zest AI enables lenders to make informed decisions, ultimately expanding access to credit for a broader range of consumers. The platform also includes features that help lenders comply with regulatory standards by explaining data modeling results and measuring business impact. Through its technology, Zest AI helps clients offer better loans at lower prices, thereby increasing revenue and automating compliance efforts.

Neural Payments, Inc. is a financial technology company based in Mason, Ohio, that was established in 2019. The company specializes in providing payment services designed to help financial institutions adapt to evolving market demands. Its offerings include facilitating digital adoption, reducing transaction costs, minimizing fraud exposure, and streamlining technology integrations. By connecting financial institutions with innovative payment solutions, Neural Payments enables them to stay aligned with the latest technological advancements and industry trends.

Credit Mountain is a fintech company that specializes in providing a personalized credit platform designed to assist individuals in accessing and managing their credit ratings. The platform features a credit counselor for financial institutions, which guides users in improving their credit standing. Additionally, Credit Mountain offers a credit booster tool that prioritizes which debts to pay off first, enabling users to make extra payments efficiently. This approach helps customers build a positive payment history on their credit reports while reducing overall debt. By focusing on offering rejected borrowers a "Path to Approval," Credit Mountain aims to enhance financial opportunities for individuals seeking to improve their creditworthiness.

Equipifi is a fintech software-as-a-service company that provides banks and credit unions with Buy Now, Pay Later (BNPL) solutions tailored to their cardholders' financial needs. The platform integrates seamlessly into existing banking applications, allowing financial institutions to enhance customer engagement, expand market share, and increase revenue. By offering features such as automatic notifications and real-time performance dashboards, Equipifi simplifies the user experience, enabling consumers to easily view, accept, and manage their BNPL plans. This approach not only reduces friction in the payments ecosystem but also empowers users to take advantage of BNPL benefits within their current banking framework.

Caribou is a company that specializes in automotive refinancing services, aimed at providing customers with better rates and lower monthly payments. By partnering with trusted lenders, Caribou enables drivers to take control of their auto finances, helping them save an average of over $115 per month on car payments. The company's offerings include auto refinances, auto insurance, total loss protection, guaranteed asset protection, key replacement coverage, and cosmetic care packages. These services are designed to not only reduce monthly payments but also to help customers save on interest and protect their automotive investments.

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

Facteus is a provider of actionable insights derived from financial data, catering to financial institutions, payment processors, investment companies, and retail corporations. The company has developed a platform that transforms raw transaction data from legacy systems into valuable information. This capability allows businesses to make informed decisions, automate operational tasks, and enhance their data strategies. By leveraging Facteus' services, clients can effectively convert data exhaust into revenue while ensuring adherence to safety, security, and compliance standards.

PatientFi, LLC operates a digital platform that facilitates financing for aesthetic medical procedures. Founded in 2017 and based in Irvine, California, the company allows patients to apply for credit online and collaborates with healthcare providers in elective sectors such as plastic surgery, dermatology, and dental care. Through its point-of-sale technology, PatientFi offers personalized financing plans, enabling patients to afford procedures like breast augmentation, mommy makeovers, and surgical facial rejuvenation. The company, previously known as PatientFirst Finance, aims to provide accessible financial solutions for those seeking health, beauty, and wellness treatments.

LoanStreet Inc. operates an integrated online platform that simplifies the sharing, managing, and originating of loans for credit unions, banks, and direct lenders. Founded in 2013 and based in New York, the company provides a marketplace that facilitates the efficient syndication of loans of any size. LoanStreet automates and standardizes the entire loan process, allowing lenders and investors to buy, sell, and manage loans directly through its platform. The service includes features such as real-time reporting, standardized agreements, and enhanced balance sheet management, which help users optimize capital and reduce administrative costs. By offering deep insights into loan distribution and performance, LoanStreet enables financial institutions to grow and diversify their portfolios effectively.

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

DefenseStorm, Inc. is a cybersecurity company that specializes in providing a cloud-based management platform tailored for financial institutions. Established in 2014 and headquartered in Alpharetta, Georgia, the company offers a comprehensive suite of solutions that includes management oversight, reporting, smart threat response, and community intelligence. By integrating real-time threat detection and compliance, DefenseStorm enables banks to effectively manage cybersecurity and adhere to regulatory requirements. The platform leverages big data analytics to unify detection, investigation, and reporting, helping financial organizations safeguard against digital privacy attacks while ensuring cost-effective management of their security needs. DefenseStorm was previously known as Praesidio, Inc. before rebranding in June 2016.

Illuma Labs, Inc. is a technology company based in Plano, Texas, specializing in real-time audio authentication for voice communications. Founded in 2018, the company provides solutions for secure caller authentication in contact centers and user identification for connected devices such as smartphones and smart speakers. Its flagship product, Illuma Shield, utilizes advanced signal processing, machine learning, and artificial intelligence to analyze natural conversations and deliver high rates of authentication accuracy quickly. The platform operates passively, continuously evaluating the speaker's voice and device characteristics to enhance security against fraud and social engineering. Illuma Labs supports various industries, including financial services, insurance, and e-commerce, by improving user experience while reducing operational costs.

Zest AI develops an artificial intelligence-based platform aimed at improving credit underwriting processes. Founded in 2009 and based in Burbank, California, the company utilizes advanced machine learning techniques to analyze large volumes of credit data, enhancing approval rates while minimizing the risk of erroneous credit decisions. By providing a transparent and fair approach to credit, Zest AI enables lenders to make informed decisions, ultimately expanding access to credit for a broader range of consumers. The platform also includes features that help lenders comply with regulatory standards by explaining data modeling results and measuring business impact. Through its technology, Zest AI helps clients offer better loans at lower prices, thereby increasing revenue and automating compliance efforts.

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

NYMBUS, Inc. is a technology company based in Miami Beach, Florida, that specializes in providing Software-as-a-Service solutions for financial institutions. Established in 2006, NYMBUS offers a comprehensive platform that includes SmartLaunch, which allows banks to quickly establish a digital brand; SmartMarketing, a customer relationship management tool; and SmartCore, a digital-first core data processing solution. Additionally, the company provides SmartDigital, a core-agnostic integration platform, SmartPayments for real-time payment processing and fraud protection, and SmartServices for direct access to industry expertise. By enabling financial institutions of all sizes to innovate and launch full-service digital banks efficiently, NYMBUS aims to transform the financial services landscape while ensuring a risk-free and customer-centric digital experience.