Deciens Capital

Deciens Capital is a venture capital firm that backs early-stage fintech and financial services startups, offering strategic support beyond capital to help founders turn ideas into scalable businesses. Founded in 2017 by Daniel Kimerling and Zac Townsend, the firm pursues visionary founders at the earliest stage and engages in active collaboration with industry leaders to accelerate digital transformation in financial services. It seeks to invest in fintech companies and related technologies, leveraging partnerships with notable players such as Chipper Cash, Treasury Prime, and Therma to broaden growth opportunities and industry impact. The firm emphasizes hands-on assistance, mentorship, and strategic resources that help portfolio companies navigate product development, regulatory considerations, and market expansion. Based in the United States, Deciens Capital positions itself as a partner to entrepreneurs building the next generation of financial services.

Cutler Cook

Venture Partner

Dan Kimerling

Managing Partner

Vishal Rana

Partner, Portfolio and Operations

Ishan Sachdev

Partner

36 past transactions

Sydecar

Series A in 2024
Founded in 2021, Sydecar is a technology company based in Walnut, California. It develops tools that streamline private investment management for investors, enabling them to efficiently handle subscription documents, compliance, banking, tax reporting, and administrative tasks across various deal sizes.

Gynger

Series A in 2024
Gynger is a pioneering payments platform that facilitates technology purchases with embedded financing. It enables businesses to buy and sell technology seamlessly while offering flexible payment terms.

Grupago

Seed Round in 2024
Grupago specializes in digital microcredit for small and mid-sized businesses (SMBs) in Latin America. It uses artificial intelligence, group collateral, and community distribution to provide credit access to micro-SMBs traditionally overlooked by conventional lending avenues.

Pippin Title

Seed Round in 2023
Pippin Title offers a cloud-based software for efficient management of title search workflows across all U.S. states. Its AI-enabled platform streamlines the process for various sectors, including green energy and financial institutions, providing reliable title documents to facilitate timely transactions.

GlacierGrid

Series A in 2023
GlacierGrid is a company specializing in energy management solutions. It employs IoT technology for real-time energy usage optimization, helping businesses balance savings, efficiency, and sustainability while reducing their carbon footprint.

Treasury Prime

Venture Round in 2022
Treasury Prime Inc. is a Banking-as-a-Service provider that operates an application programming interface (API) banking platform designed to connect banks and fintech companies. Incorporated in 2017 and headquartered in San Francisco, California, the company facilitates the opening and servicing of online bank accounts. Treasury Prime's platform integrates seamlessly with core banking systems, allowing developers to access a variety of banking services, including account management, payment processing, and card issuance. The solutions offered by Treasury Prime aim to automate and streamline financial operations, enhance compliance, and improve the overall customer experience while reducing costs for banks and fintechs alike.

BeatBread

Seed Round in 2022
BeatBread is a music finance company that provides financial advances to independent and unsigned artists while preserving ownership of their music and control over their careers. Founded in 2020, it combines expertise in music, finance, and data analytics to offer advances that are repaid through a limited share of streaming and airplay revenue over a term chosen by the artist. The approach lets artists select collaborators and advance their careers on their own terms, without surrendering ownership or decision-making power.

Tint.ai

Series A in 2022
Tint.ai is a data intelligence platform founded in 2018, based in San Francisco, California. The company specializes in enhancing artificial intelligence models by enabling data scientists to efficiently access and evaluate external data. It automates the process of sourcing external data from vendors and leverages machine learning to assess its quality, thereby improving model performance. Additionally, Tint.ai offers an AI-empowered insurance platform that provides the tools necessary for launching, managing, and optimizing insurance programs. The platform is designed to enhance profitability while simultaneously improving the customer experience. Its API-based technology serves as the foundational infrastructure for property and casualty insurance programs, streamlining risk selection and pricing processes, and significantly reducing the engineering and data science resources required for development.

Gynger

Seed Round in 2021
Gynger is a pioneering payments platform that facilitates technology purchases with embedded financing. It enables businesses to buy and sell technology seamlessly while offering flexible payment terms.

Chipper

Series C in 2021
Chipper facilitates free cross-border money transfers via its mobile app. Users can send funds to any mobile number in Africa, with support for multiple currencies.

Chipper

Series C in 2021
Chipper facilitates free cross-border money transfers via its mobile app. Users can send funds to any mobile number in Africa, with support for multiple currencies.

Treasury Prime

Series B in 2021
Treasury Prime Inc. is a Banking-as-a-Service provider that operates an application programming interface (API) banking platform designed to connect banks and fintech companies. Incorporated in 2017 and headquartered in San Francisco, California, the company facilitates the opening and servicing of online bank accounts. Treasury Prime's platform integrates seamlessly with core banking systems, allowing developers to access a variety of banking services, including account management, payment processing, and card issuance. The solutions offered by Treasury Prime aim to automate and streamline financial operations, enhance compliance, and improve the overall customer experience while reducing costs for banks and fintechs alike.

GlacierGrid

Funding Round in 2021
GlacierGrid is a company specializing in energy management solutions. It employs IoT technology for real-time energy usage optimization, helping businesses balance savings, efficiency, and sustainability while reducing their carbon footprint.

Zeta

Pre Seed Round in 2021
Zeta is a financial technology company that builds a money management platform for households to manage finances together. The platform supports joint accounts and a money manager, providing tools to track shared and personal bank accounts, set and monitor budgets, split transactions, add memos, and receive bill reminders. It also offers money coaching and other features to help families track spending and reach financial goals. The company operates as a remote-first organization and is headquartered in San Francisco, California.

Chipper

Series B in 2020
Chipper facilitates free cross-border money transfers via its mobile app. Users can send funds to any mobile number in Africa, with support for multiple currencies.

Chipper

Series B in 2020
Chipper facilitates free cross-border money transfers via its mobile app. Users can send funds to any mobile number in Africa, with support for multiple currencies.

Funding U

Private Equity Round in 2020
Founded in 2015, Funding U is a merit-based student lender headquartered in Atlanta, Georgia. It offers alternative financing solutions to traditional bank loans by assessing students' academic performance, career trajectory, and earning potential. This enables career-focused college students to secure fixed-interest rate loans, reducing the risk of dropping out due to financial constraints.

True Link Financial

Series B in 2020
True Link Financial provides financial services aimed at protecting and increasing independence for people at financial risk, including individuals with disabilities, vulnerable older adults, and people in recovery. The company offers Visa prepaid cards for families and professionals to safeguard beneficiaries, along with investment management and fiduciary accounts. It also provides a software platform that supports budgeting, disbursements, record keeping, reporting, and communication for conservators, guardians, attorneys, independent fiduciaries, nonprofit pooled trusts, family member trustees, and trust companies. The platform helps prevent financial exploitation, limits impulsive cash use that could threaten stability, and preserves access to government benefits. True Link also offers personalized retirement investment planning to deliver steady retirement income. By combining payment tools, investment services, and guardianship-focused technology, the company aims to help vulnerable clients maintain financial independence and stay informed about unusual or potentially fraudulent activity across accounts.

Chipper

Series A in 2020
Chipper facilitates free cross-border money transfers via its mobile app. Users can send funds to any mobile number in Africa, with support for multiple currencies.

Starcity

Series B in 2020
Starcity Properties, Inc. is a San Francisco-based company that develops and operates co-living homes, focusing on community-based living for its residents. Established in 2016, the company offers fully furnished apartments with amenities such as equipped kitchens, WiFi, utilities, community events, and maintenance services. Starcity currently operates nearly 500 beds across San Francisco, Oakland, and Los Angeles, with plans for a development pipeline of approximately 2,000 units. The company's team, consisting of professionals from various sectors including real estate, technology, and hospitality, aims to make urban living more accessible. Unlike many competitors, Starcity operates as both a General Partner and Operator, emphasizing its capacity for full-stack real estate development and management. The company is dedicated to enhancing the living experience in urban environments while maintaining a strong focus on design and community engagement.

Chipper

Seed Round in 2019
Chipper facilitates free cross-border money transfers via its mobile app. Users can send funds to any mobile number in Africa, with support for multiple currencies.

True Link Financial

Venture Round in 2019
True Link Financial provides financial services aimed at protecting and increasing independence for people at financial risk, including individuals with disabilities, vulnerable older adults, and people in recovery. The company offers Visa prepaid cards for families and professionals to safeguard beneficiaries, along with investment management and fiduciary accounts. It also provides a software platform that supports budgeting, disbursements, record keeping, reporting, and communication for conservators, guardians, attorneys, independent fiduciaries, nonprofit pooled trusts, family member trustees, and trust companies. The platform helps prevent financial exploitation, limits impulsive cash use that could threaten stability, and preserves access to government benefits. True Link also offers personalized retirement investment planning to deliver steady retirement income. By combining payment tools, investment services, and guardianship-focused technology, the company aims to help vulnerable clients maintain financial independence and stay informed about unusual or potentially fraudulent activity across accounts.

Finvoice

Venture Round in 2019
Finvoice, Inc. is a San Francisco-based company founded in 2014 that specializes in developing cloud-based lending software solutions tailored for factors and asset-based lenders. Its offerings include FV Originate, which enhances conversion rates through seamless accounting integrations and user-friendly online applications; FV Underwrite, designed for optimal rate setting and risk monitoring using data aggregation and analytics; and FV Operate, which streamlines workflows and accelerates deal closures through automated operational tools. Finvoice aims to help financial institutions boost sales while ensuring regulatory compliance, enabling offline lenders to transition to online platforms with modern user experiences and third-party integrations.

Chipper

Seed Round in 2019
Chipper facilitates free cross-border money transfers via its mobile app. Users can send funds to any mobile number in Africa, with support for multiple currencies.

Funding U

Seed Round in 2018
Founded in 2015, Funding U is a merit-based student lender headquartered in Atlanta, Georgia. It offers alternative financing solutions to traditional bank loans by assessing students' academic performance, career trajectory, and earning potential. This enables career-focused college students to secure fixed-interest rate loans, reducing the risk of dropping out due to financial constraints.

Treasury Prime

Seed Round in 2018
Treasury Prime Inc. is a Banking-as-a-Service provider that operates an application programming interface (API) banking platform designed to connect banks and fintech companies. Incorporated in 2017 and headquartered in San Francisco, California, the company facilitates the opening and servicing of online bank accounts. Treasury Prime's platform integrates seamlessly with core banking systems, allowing developers to access a variety of banking services, including account management, payment processing, and card issuance. The solutions offered by Treasury Prime aim to automate and streamline financial operations, enhance compliance, and improve the overall customer experience while reducing costs for banks and fintechs alike.

EarnUp

Series A in 2017
EarnUp Inc. is a fintech company based in San Francisco, California, that focuses on automating loan payments for consumers. Established in 2013, EarnUp's platform is designed to assist over 200 million Americans with debt by intelligently managing their financial obligations, including home mortgages, student loans, auto loans, and personal loans. The service allows users to set aside small amounts of money when financially feasible, which are then used to make loan payments on their behalf. By synchronizing micro-payments with users' income and lifestyle, EarnUp aims to streamline the debt repayment process and help individuals regain control over their finances, ultimately enabling them to pay off their debts more efficiently.

True Link Financial

Seed Round in 2015
True Link Financial provides financial services aimed at protecting and increasing independence for people at financial risk, including individuals with disabilities, vulnerable older adults, and people in recovery. The company offers Visa prepaid cards for families and professionals to safeguard beneficiaries, along with investment management and fiduciary accounts. It also provides a software platform that supports budgeting, disbursements, record keeping, reporting, and communication for conservators, guardians, attorneys, independent fiduciaries, nonprofit pooled trusts, family member trustees, and trust companies. The platform helps prevent financial exploitation, limits impulsive cash use that could threaten stability, and preserves access to government benefits. True Link also offers personalized retirement investment planning to deliver steady retirement income. By combining payment tools, investment services, and guardianship-focused technology, the company aims to help vulnerable clients maintain financial independence and stay informed about unusual or potentially fraudulent activity across accounts.

WorkHands

Angel Round in 2013
WorkHands, Inc. is an online social network specifically designed for skilled workers in the trades. Founded in 2013 and based in San Francisco, the platform facilitates connections between workers and potential employers, allowing users to showcase their skills, certifications, and tools. By focusing on the unique needs of blue-collar professionals, WorkHands addresses the challenges of a disconnected industry, making it easier for workers to stand out and find suitable job opportunities. The platform also supports the management of apprenticeships, helping both companies and job seekers navigate the employment landscape more effectively.

Wevorce

Seed Round in 2013
Wevorce is a technology-driven company that facilitates amicable divorces. It offers online mediation services, guided by trained attorneys, counselors, and experts. The process involves a single attorney-mediator, known as a Wevorce Architect, who helps couples navigate divorce planning, co-parenting, financial agreements, and settlement. The company aims to provide affordable access to legal professionals throughout the divorce process.

True Link Financial

Seed Round in 2013
True Link Financial provides financial services aimed at protecting and increasing independence for people at financial risk, including individuals with disabilities, vulnerable older adults, and people in recovery. The company offers Visa prepaid cards for families and professionals to safeguard beneficiaries, along with investment management and fiduciary accounts. It also provides a software platform that supports budgeting, disbursements, record keeping, reporting, and communication for conservators, guardians, attorneys, independent fiduciaries, nonprofit pooled trusts, family member trustees, and trust companies. The platform helps prevent financial exploitation, limits impulsive cash use that could threaten stability, and preserves access to government benefits. True Link also offers personalized retirement investment planning to deliver steady retirement income. By combining payment tools, investment services, and guardianship-focused technology, the company aims to help vulnerable clients maintain financial independence and stay informed about unusual or potentially fraudulent activity across accounts.

7 Cups

Seed Round in 2013
7 Cups is a global online platform offering emotional health and well-being services. It securely connects individuals seeking support with trained listeners or therapists worldwide for anonymous, judgment-free one-on-one chat sessions. With over 160,000 listeners in 189 countries speaking 140 languages, it's the world's largest mental health delivery system. Additionally, 7 Cups provides evidence-based steps to overcome specific challenges and partners with organizations like MIT to support students and employees.

Keychain Logistics

Seed Round in 2013
Keychain Logistics Corp. is a New York-based company that develops innovative logistics software designed to streamline the shipping process for businesses. Its platform connects companies directly with independent semi-truck owner-operators, eliminating the need for traditional third-party logistics brokers. Keychain Logistics provides real-time tracking of shipments and insights into the logistics process, enabling businesses to monitor their operations more effectively. The company's software also features a mobile application for enhanced logistics management, ensuring that users can access crucial information on the go. By leveraging a network of virtual carriers, Keychain Logistics optimizes the matching of trucks with shipping needs, allowing for greater efficiency in freight transportation.

TenderTree

Seed Round in 2012
TenderTree, Inc. operates an online marketplace that connects families in the United States with in-home caregivers. Founded in 2012 and based in San Francisco, the company provides a platform where users can browse caregiver profiles that include photos, skills, professional licenses, and work histories. TenderTree conducts thorough background checks and verifies references and licenses to ensure the quality of care. The platform enables families to search, message, and interview caregivers for various needs, including companionship, housekeeping, dementia care, and skilled nursing services. Additionally, TenderTree manages all associated paperwork, taxes, contracts, and payment processes, offering peace of mind to users. The company also provides liability insurance for its clients, further enhancing the trust and security of its services.

Fuze Network

Series A in 2012
Fuze Network, founded in 2010 and based in Salt Lake City, is a payments technology company that enhances the efficiency of financial transactions for consumers using U.S. bank-issued cards. The company offers an API that facilitates the movement of money onto various cards, enabling users to pay credit card bills, reload prepaid cards, and deposit funds into debit accounts seamlessly. Founded by payment industry veteran Dave Wilkes, Fuze Network collaborates with card issuers such as Citi Bank, First Premier Bank, and Merrick Bank, promoting its services directly to cardholders. The platform simplifies transactions by eliminating the need for manual entry of personal information and specific codes, requiring only the card number for accurate and timely fund routing. This innovative approach empowers consumers, particularly those who prefer cash or are self-banked, to manage their finances more effectively and save time. By allowing funds to flow directly from consumers to their chosen card accounts, Fuze Network provides a convenient and cost-effective solution for personal financial management.
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