Hard Yaka

TomoCredit LLC, established in 2018 and based in San Francisco, California, focuses on providing innovative credit solutions tailored for Millennials, particularly those with no credit history or credit score. The company manufactures electronic smart and credit cards that enable users to build credit and qualify for loans by utilizing a proprietary algorithm to analyze alternative data sources. In addition to its credit card offerings, TomoCredit has developed a mobile application that allows users to manage their accounts effectively. The founding team, composed of immigrant founders, aims to address the challenges faced by foreign nationals in accessing credit, drawing on their backgrounds from notable institutions such as Coinbase, The Kenetic Hedge Fund, and Google, as well as prestigious educational establishments like MIT and UC Berkeley.

Cuenca is a FinTech company based in San Francisco, California, that specializes in providing digital financial services. Established in 2016, Cuenca operates a mobile-based application that facilitates various banking functions, including bill payments for utilities such as mobile, electricity, and water. In addition to bill payment services, the platform offers online banking features that enable users to securely deposit and withdraw funds, access savings accounts with competitive interest rates, and obtain loans tailored to their financial needs. This comprehensive digital approach allows users to manage their finances conveniently and efficiently.

Upgrade, Inc. is an online lending platform based in San Francisco, California, with additional offices in Phoenix, Montreal, and Chicago. Founded in 2016, the company operates as a neobank, providing access to personal loans and innovative credit products, such as the Upgrade Card, which combines the benefits of installment lending with traditional credit card usage. Upgrade focuses on offering affordable and responsible credit solutions to mainstream consumers while also providing free credit monitoring and educational resources aimed at helping individuals manage their finances effectively. Through its services, Upgrade enables consumers to gain a better understanding of their credit health and make informed financial decisions.

ID Dataweb, Inc. is a provider of cloud broker services focused on identity security, catering to various sectors including education, energy, entertainment, finance, healthcare, government, retail, and transportation. Founded in 2011 and headquartered in Vienna, Virginia, the company operates the Attribute Exchange Network (AXN), which serves as a gateway for organizations to access verified online identity credentials and attributes from third-party identity providers. This platform facilitates real-time identity proofing by continuously authenticating and updating individual identities, thereby addressing the needs of underserved online markets. The AXN supports various trust-elevation methods, including interoperability with OpenID credentials and government-issued identification, enhancing the security and reliability of online identity verification.

Kueski, S.A.P.I. De C.V. Sofom E.N.R. is an online lending platform based in Guadalajara, Mexico, founded in 2012. Catering primarily to the middle class in Mexico and Latin America, Kueski offers a range of financial services, including personal credit, student loans, and savings options. The platform leverages big data and advanced analytics to facilitate quick loan approvals, often within minutes, making it a convenient choice for borrowers who require immediate financial assistance. With a paperless application process available 24/7, Kueski has rapidly established itself as a leading provider of online lending services in the region, having granted thousands of loans to date.

Migo operates a digital Credit-as-a-Service platform designed for banks, mobile operators, retailers, and payment processors, primarily in emerging markets. Founded in 2014 and based in San Francisco, the company provides a suite of tools, including APIs, frameworks, and consumer insights, enabling partners to develop innovative credit services. Migo's platform enhances traditional banking and payment card systems, allowing enterprises to extend credit to their customers effectively. Additionally, Migo offers an in-memory analytics service that processes large volumes of mobile data, helping mobile operators monetize their data and assisting financial institutions in reaching more clients. Its services include credit scoring based on mobile behavior, fraud detection, customer identity verification, and risk analysis, all aimed at improving financial access and security for consumers.

Kabbage, Inc. is a financial technology company that offers small businesses automated access to funding through its online lending platform. Founded in 2008 and based in Atlanta, Georgia, Kabbage simplifies the loan application process by allowing businesses to submit their financial data online, enabling rapid approval and funding, often within minutes. The platform assesses business health using various data sources, including revenue and transaction history, to determine credit lines that can reach up to $250,000. Kabbage also provides tools like the Kabbage card, which allows users to make purchases directly from their credit lines at point-of-sale locations, and a mobile app for convenient account access. The company has evolved its services since initially catering to online merchants, extending its offerings to all small businesses by 2014. Kabbage has garnered recognition for its innovative approach and has secured significant funding to support its growth and technological advancements in the lending industry.