CreditEase Fintech Investment Fund

Growing Leap is a SaaS service provider focused on enhancing financial digital operations for institutions in the finance sector. The company offers a customer management platform that enables users to integrate marketing data and manage event and content materials. By utilizing process intelligence technologies, including process mining and knowledge mining, Growing Leap supports intelligent marketing automation processes. This functionality helps financial enterprises reduce customer acquisition costs and deliver personalized services to their clients, ultimately streamlining operations and improving efficiency in the highly competitive finance industry.

Airswift is a Crypto Payments Acceptance for Businesses Around the Globe.

Jetty is a financial services company founded in 2015 and headquartered in New York, New York. It focuses on making renting more affordable and accessible for tenants while assisting property managers in improving lease conversions and streamlining operations. The company offers a range of products, including renters insurance that covers various risks such as fire, theft, and damage to personal belongings like phones and laptops. Jetty's innovative platform aims to simplify the renting process by reducing paperwork and eliminating the financial burdens associated with security deposits, ultimately helping renters save significantly on move-in costs.

Developer of an artificial intelligence technology designed to serve in clothing design. The company's AI platform provides integrated solutions to customize personal selection and fashion styles and helps designers capture and determine the popular clothing styles, enabling users to efficiently track the market trend of clothing styles and make better customized clothing products.

Leyue Health, operating under Leyue Information Technology (Shanghai) Co., Ltd., is a medical software technology company based in China, focused on enhancing the intersection of healthcare and insurance through its innovative platform. It offers an e-resident health card and facilitates the application of electronic health cards, promoting the integration of commercial health insurance with healthcare services. The company has developed a direct payment platform that allows for online, real-time settlement of commercial insurance claims, significantly reducing the processing time typically associated with traditional offline methods. This system addresses challenges faced by medical institutions and patients, such as lengthy reimbursement processes and complicated claims procedures. Additionally, Leyue Health provides tools for hospitals, including Wi-Fi services and mobile applications for appointment scheduling, online payments, and management of test results, further streamlining the healthcare experience for users.

Shanghai Yinghe Information Technology Co., Ltd., located in Shanghai, China, is a software fintech company that specializes in providing core business solutions tailored for data centers and asset management. The firm offers innovative software solutions aimed at enhancing operational efficiency and data management capabilities within these sectors. By focusing on the unique needs of data centers and asset management, Yinghe Information plays a significant role in supporting businesses in optimizing their technological infrastructure and asset oversight.

Fuse, the latest insurance app that will allow you to do all insurance activities. One application on your mobile and enjoy a variety of interesting facilities, such as register as a partner, compare policies, and choose the best policy to protect the future of you and your family. Fast, easy, safe, get paperless smart insurance innovation.

Symbo Platform is an InsurTech company whose technology supports agents, TPA’s, brokers, corporates, and insurers in the purchase, distribution, and administration of insurance

Pico is a leading provider of technology services for the financial markets community. Pico provides a best-in-class portfolio of innovative, transparent, low-latency markets solutions coupled with an agile and expert service delivery model. Instant access to financial markets is provided via PicoNet™, a globally comprehensive network platform instrumented natively with Corvil analytics and telemetry. Clients choose Pico when they want the freedom to move fast and create an operational edge in the fast-paced world of financial markets.

BIMA is an insurtech player using mobile technology to provide insurance and health services to emerging markets. To serve its customers, the company has developed a proprietary technology platform, established exclusive partnerships with mobile operators, and built relationships with international insurers. BIMA utilizes its technology platform to serve customers in 13 countries across Asia, Africa, and Latin America and has reached to date 31 million subscribers.

BioCatch is a Boston-based company that specializes in behavioral authentication and threat detection solutions for web and mobile applications. Founded in 2011, it utilizes advanced cognitive science and machine learning to analyze over 2,000 cognitive parameters, creating unique user profiles. The platform is designed to continuously authenticate users throughout their online sessions, effectively safeguarding against cyber threats and fraudulent activities such as account takeovers and automated account manipulation. BioCatch's behavioral biometrics technology identifies potentially risky digital behaviors and sophisticated social engineering scams, helping organizations, particularly banks, enhance fraud detection while minimizing friction during the digital user journey. This approach enables a secure and seamless experience for users, reinforcing identity and trust without compromising privacy.

Fenbeitong is a corporate wallet application designed to streamline the management of corporate expenditures. The platform enables users to oversee, pay, and receive reimbursements for various business-related expenses, such as travel and procurement. By implementing intelligent control rules and reminder measures, Fenbeitong assists enterprises in significantly reducing costs associated with public consumption. Its credit monthly payment and unified invoice consumption model provide employees with a convenient way to manage expenditures without the burden of reimbursement processes, thus enhancing operational efficiency. Overall, Fenbeitong focuses on improving the financial management of corporate spending while facilitating a more efficient workflow for businesses.

AInnovation owns and operates a company that offers products and services based on artificial intelligence to different companies. Its platform uses technologies such as recognition of vision in computers, learning machines, and processing natural languages and offers advantages on efficiency and algorithm that permit companies to improve productivity and performance, enabling businesses to enhance efficiency and value and achieve digital transformation.

wefox is a digital insurance company based in Berlin, Germany, founded in 2015. The company focuses on providing an all-in-one insurance solution by leveraging technology to enhance the customer experience and streamline processes. Rather than selling directly to consumers, wefox operates through a network of thousands of digitally enabled advisors across Europe, which helps improve customer satisfaction and reduce acquisition costs. The company employs advanced analytics to achieve better loss ratios than the market average and boasts over 90% straight-through processing for its services. Wefox offers a comprehensive platform that includes policy management, claims settlement, and personalized coverage options, aiming to reinvent insurance and make people safer by preventing risks.

Dave Inc. is a financial services company based in Los Angeles, California, founded in 2015. The company has developed a mobile application designed to assist users in managing their finances by providing insights into bank overdrafts and predicting expenses. The app enables users to avoid overdraft fees and low balances by offering features such as paycheck advances, budgeting tools, and resources for finding side gigs. With a focus on helping users maintain financial stability, Dave serves approximately 7 million Americans by providing essential tools for budgeting and credit building. The application is accessible on both the App Store and Google Play, positioning Dave as a key player in the challenger bank space.

Railsbank Technology Ltd is a London-based company that offers an open banking API and banking-as-a-service platform, enabling both regulated and unregulated businesses to access global banking solutions. Founded in 2016, the platform connects a network of partner banks with companies, allowing them to leverage wholesale banking services through a simplified integration process. Users can create bank accounts, manage transactions, issue cards, and handle various financial operations using a comprehensive set of APIs. Railsbank's services are designed to assist fintech companies and other businesses in developing, launching, and scaling financial products efficiently. With additional offices in Singapore, Lithuania, Luxembourg, Vietnam, and Sri Lanka, Railsbank is positioned to support a diverse range of clients in navigating the complexities of modern banking and compliance.

SafetyWing is a provider of insurance services designed for digital nomads and online freelancers. The company specializes in offering travel medical insurance, which includes coverage for health-related issues while abroad, as well as assistance with lifestyle disruptions such as lost luggage and travel delays. With a mission to facilitate the transition to location independence, SafetyWing aims to support individuals considering a nomadic lifestyle by providing affordable and comprehensive global insurance options. In addition to its insurance offerings, the company also shares knowledge and resources to help members navigate the challenges of living and working remotely. Through these services, SafetyWing seeks to empower remote workers to travel with confidence and freedom.

Curve is a banking platform that consolidates multiple payment cards and accounts into a single smart card and mobile application. It enhances traditional banking by allowing users to manage their finances more efficiently without switching banks. Curve provides various benefits, such as fee-free spending abroad, instant transaction notifications, and the ability to categorize expenses. Users can also earn 1% cashback at select retailers, and the Time Travel feature allows them to retroactively change the payment method for purchases made within the last two weeks. Additionally, Curve offers robust customer protection for transactions made through its card, covering purchases up to £100,000 and providing enhanced security against unauthorized use and merchant disputes. This combination of features aims to empower users with greater control over their finances and a modern banking experience.

Jacobi, Inc. is a technology company that has developed a platform for investment managers to design, analyze, and visualize multi-asset portfolios. Founded in 2014 and headquartered in San Francisco, California, with additional offices in Brisbane, Australia, and London, United Kingdom, Jacobi provides customizable tools that streamline investment processes, allowing users to aggregate portfolios, analyze allocations, and assess associated risks and returns. The platform facilitates deeper engagement between investment managers and clients by transforming complex financial data into intuitive visualizations and interactive dashboards. Additionally, Jacobi offers software development kits to further enhance the capabilities of its platform, promoting better decision-making and improved investment strategies.

Active.Ai has built an advanced, proprietary conversational AI platform that can be easily deployed for financial institutions, insurance companies and capital markets. Triniti, their artificial intelligence engine, has been built to create meaningful, intuitive engagement for the end user across multiple apertures like messaging, voice and IOT devices. Built from the ground up to specifically meet the needs of financial institutions, insurance companies and capital markets—utilizing Machine Learning, Natural Language Processing and Natural Language Generation—Triniti has an industry context that is unmatched for intuitive connection with the end user. Moreover, this solution is underpinned with the knowledge and expertise of an executive team with over 60 years of senior-level industry experience, and the deep understanding of the strategic and operational challenges their clients are working to address. Active.ai is arriving just in time for financial institutions, insurance companies and capital markets who are evolving quickly to remain relevant to changing customer expectations. Using advanced conversational AI, we see an exciting opportunity to create a natural dialogue and more meaningful connections with people in their everyday micro-conversations.

Branch International Inc. is a digital lending company founded in 2015 and headquartered in San Francisco, California, with additional offices in Mumbai, Nairobi, Mexico City, and Lagos. The company leverages smartphone data to assess creditworthiness, allowing consumers in emerging markets to access personal loans through its Android application. By utilizing data science, Branch aims to reduce the cost of financial services and provide fair access to banking options, particularly for the growing middle class. The platform offers a quick approval process for loans, enabling users to build credit irrespective of their banking history and navigate the barriers posed by traditional financial institutions. Branch is committed to driving meaningful growth in rapidly evolving markets and has raised over $100 million in funding from notable investors in Silicon Valley.

Qupital Limited is a fintech company based in Hong Kong that operates an online invoice trading platform, enabling businesses to raise finance against their receivables. Founded in 2016, Qupital connects Hong Kong registered companies with professional investors, including institutional investors and family offices, who are interested in purchasing invoices at a discount. This process not only provides businesses with immediate liquidity but also offers investors access to a new asset class of accounts receivables. The platform aims to enhance the efficiency of financing by digitalizing the process and has established a strategic partnership with LianLian Global to further its services.

Tigerobo was founded in July 2017 and is an artificial intelligence technology driven technology company that uses deep learning, natural language processing and other technologies to build a new generation of artificial intelligence financial .

Nav is a free site and app that gives business owners the fastest, easiest and most trusted path to financing. The leading Business Financial Management app, Nav gives free access to personal and business credit reports from major consumer and commercial credit bureaus including Experian, Dun & Bradstreet, Equifax and TransUnion, and hosts a robust marketplace with more than 100 business financing products including loans and credit cards. The marketplace uses a unique, lender-neutral approach to help business owners find the best financing options for their needs. Nav's solution is also leveraged by other business service providers to enhance their customer experience.

Sinoagri Inclusive Finance is a big data-based agricultural planting management solution provider.

Zhongnong Puhui Jinfu Technology Co., Ltd. is an Internet + agricultural company specializing in agricultural plantation management services. Based on big data technology, the company focuses on agricultural planting links to improve customer planting efficiency while helping customers grow stable and high-quality agricultural products. The company is committed to building an ecological circle of modern agricultural industry, empowering participants in the agricultural industry chain, making agricultural consumption more convenient, making agricultural production more efficient, and making agricultural products more efficient.

Fair is a car leasing company based in Santa Monica, California, founded in 2016. It offers a mobile application that simplifies the vehicle leasing process, allowing users to shop for, get approved for, and pay for a car using only their driver's license and bank account. By pioneering the car-as-a-service concept, Fair provides customers with the freedom to choose their vehicle and the flexibility to lease it for as long as desired, without the long-term commitments associated with traditional financing or leasing options. This innovative approach aims to enhance access to personal mobility for a wide range of consumers.

Cross River Bank, based in Fort Lee, New Jersey, offers a range of personal and corporate banking products and services across the United States. These include checking and savings accounts, as well as direct lending options such as commercial real estate loans for various property types in the New York, New Jersey, and Connecticut metro areas. The bank combines traditional banking practices with innovative technology, partnering with fintech companies to create integrated solutions for marketplace lending and payment processing. Cross River emphasizes regulatory compliance and consumer protection, providing secure banking platforms and services that encompass lending, payments, and risk management. Founded in 2008, Cross River operates as a subsidiary of CRB Group, Inc.

Fair is a car leasing company based in Santa Monica, California, founded in 2016. It offers a mobile application that simplifies the vehicle leasing process, allowing users to shop for, get approved for, and pay for a car using only their driver's license and bank account. By pioneering the car-as-a-service concept, Fair provides customers with the freedom to choose their vehicle and the flexibility to lease it for as long as desired, without the long-term commitments associated with traditional financing or leasing options. This innovative approach aims to enhance access to personal mobility for a wide range of consumers.

EmpInfo, Inc., founded in 2011 and headquartered in San Jose, California, operates a marketplace that allows authorized verifiers, including lenders, pre-employment screeners, government agencies, and landlords, to access employment and income records online. The company offers nationwide coverage to streamline the verification process, enabling users to credential applicants efficiently and conveniently, available 24/7. EmpInfo also assists employers in outsourcing and automating their employment and income verification processes, which helps reduce administrative burdens and mitigate privacy risks associated with sharing sensitive information with unknown third parties. Through its services, EmpInfo aims to enhance the overall experience for both employers and employees.

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.

Blast Internet, Inc. is a multifaceted company that operates in both web development and gamification. Originally founded in 1995 and based in Pittsboro, North Carolina, Blast offers a range of services including web design, content management, custom programming, and online marketing strategies. The company also provides software solutions for automated email lists and supports various internet access services in North Carolina. In 2017, Blast expanded its operations by developing a platform that helps gamers save and earn money while playing their favorite games. This platform allows users to micro-save money during gameplay and earn rewards for trying new games or advancing levels. By integrating financial incentives into gaming, Blast aims to create a seamless experience that promotes saving while enhancing user engagement.

Tiger Brokers is an online brokerage firm based in Guangdong, China, established in 2014 to serve Chinese investors looking to trade in overseas securities, particularly on U.S. and Hong Kong exchanges. The firm offers a comprehensive trading platform that includes features such as one-click short selling, personal profit and loss analysis, and stock options trading. The app, 'Tiger for US Stocks', has a user-friendly Chinese interface and provides real-time quotes, making it accessible across various operating systems, including iOS, Android, Windows, and Mac OS. In addition to brokerage services, Tiger Brokers also offers value-added services like margin financing, account management, investor education, and customer support, aimed at enhancing the trading experience for its users.

IYunbao is a FinTech company based in Shanghai, China, that operates a platform dedicated to the promotion of Internet insurance products. Founded in 2015, the company offers a range of services designed to enhance the insurance experience for consumers, including mobile insurance, convenient claims processing, online settlement, and market data analysis. These services aim to provide users with efficient and convenient solutions to meet their insurance needs while facilitating collaboration between consumers and insurance providers.

Marqeta is a modern card issuing platform that provides infrastructure and tools to help companies build and manage payment programs. With its open API, the Marqeta platform is designed for businesses that want a simple and tailored way of managing payment programs so that they can create experiences and power new modes of commerce. Marqeta is headquartered in Oakland, California. It operates in the United States, Canada, Europe, and Australia and is certified to process payments in 10 countries in APAC.

Tradeshift Inc. is a cloud-based platform that connects buyers and suppliers, streamlining digital trade transactions and enhancing supply chain efficiency. Founded in 2009 and headquartered in San Francisco, California, Tradeshift offers a suite of solutions including Tradeshift Buy, an eProcurement tool; Tradeshift Pay, an accounts payable automation platform; and Tradeshift Risk, which focuses on risk data collection and analysis. The company also provides Tradeshift Engage, a platform for supplier collaboration, and Tradeshift Go, which offers visibility into employee spending. Additionally, Tradeshift Frontiers serves as an innovation lab, exploring emerging technologies such as artificial intelligence and distributed ledgers to transform B2B commerce and global supply chains. With a commitment to eliminating paper and manual processes, Tradeshift enables clients to optimize procure-to-pay processes securely while capitalizing on early payment discounts and minimizing risks.

Figure Technologies, Inc. is a fintech company based in San Francisco, California, that specializes in providing consumer financial solutions primarily focused on home equity products. Incorporated in 2018, the company offers services such as home equity lines of credit, home improvement loans, and home buy-lease back options, facilitating access to capital for customers in as little as five days. Figure leverages blockchain technology, artificial intelligence, and advanced analytics to enhance its offerings, enabling customers to effectively manage their financial needs, including debt consolidation and retirement planning. Additionally, Figure has developed Provenance, a blockchain platform designed for businesses to manage digital assets and execute financial transactions efficiently.

Souche, a leading automotive new retail platform in China, is founded by Mr. Yao Junhong, the former CAR Inc. founding team member and vice president, in December, 2012. By August 2018, Souche raised over $1.2 billion from investment or ganizations, including Alibaba group, Ant Financial Services Group, Morningside Venture Capital, Warburg Pincus, Primavera Capital Group, etc. Souche joined '2017 New Global Unicorns Ranking' by Silicon Valley global research organization PitchBook. Souche thrives to become the big intelligent brain of automotive industry. Souche has gradually constructed integrated automotive new retail ecosystem through years of development. Souche is regarded as 'the Alibaba of Chinese automotive industry'. Today, Souche and its relative corporations dedicate in numerous businesses, which include automotive financial leasing platform Tangeche, B2B industrial chain service platform Chehang168, Used-car online trade platform Cheyipai, Car sharing customized platform TIHD, SaaS products for used-car automotive dealers Dafengche and new-car sub-channels automotive dealership network Maicheguanjia, automotive dealership group ERP system provider Breakthrough, Kingdee and automotive supply chain warehouse logistics integrated service provider Iyunche, etc.

Shenma Finance, officially known as Shenma Internet of Things Financial Information Service (Shanghai) Co., Ltd., is a financial services provider based in Shanghai, China, established in 2015. The company focuses on delivering financial information services utilizing Internet of Things technology, specifically targeting China's rural population. It operates a platform that offers short-term and mid-term credit products, including installment payment services to assist farmers in purchasing electric scooters for agricultural use. By concentrating on channels within counties and townships, Shenma Finance aims to serve approximately 800 million farmers, providing them with high-quality, efficient, and affordable financial services that enable rural residents to access the same financial opportunities as their urban counterparts.

Cyzone is a media platform dedicated to supporting Chinese entrepreneurs and the growth of medium- and small-sized enterprises in China. As the exclusive Chinese partner of Entrepreneur Magazine, Cyzone offers valuable resources and activities that facilitate networking and partnership-building among entrepreneurs. The platform provides a comprehensive suite of services, including media information, digital exhibitions, data research, innovation consulting, education and training, and capital docking, aimed at enhancing economic innovation. By connecting high-growth enterprises, financial institutions, large industrial companies, and government parks, Cyzone enables its users to access timely and in-depth information, ultimately helping them integrate into the global business environment and expand their operations internationally.

Meiliche Financial is a Chinese platform that provides financial services for secondhand car. It is the automotive finance spinout of online lender, Meili.

Branch International Inc. is a digital lending company founded in 2015 and headquartered in San Francisco, California, with additional offices in Mumbai, Nairobi, Mexico City, and Lagos. The company leverages smartphone data to assess creditworthiness, allowing consumers in emerging markets to access personal loans through its Android application. By utilizing data science, Branch aims to reduce the cost of financial services and provide fair access to banking options, particularly for the growing middle class. The platform offers a quick approval process for loans, enabling users to build credit irrespective of their banking history and navigate the barriers posed by traditional financial institutions. Branch is committed to driving meaningful growth in rapidly evolving markets and has raised over $100 million in funding from notable investors in Silicon Valley.

BioCatch is a Boston-based company that specializes in behavioral authentication and threat detection solutions for web and mobile applications. Founded in 2011, it utilizes advanced cognitive science and machine learning to analyze over 2,000 cognitive parameters, creating unique user profiles. The platform is designed to continuously authenticate users throughout their online sessions, effectively safeguarding against cyber threats and fraudulent activities such as account takeovers and automated account manipulation. BioCatch's behavioral biometrics technology identifies potentially risky digital behaviors and sophisticated social engineering scams, helping organizations, particularly banks, enhance fraud detection while minimizing friction during the digital user journey. This approach enables a secure and seamless experience for users, reinforcing identity and trust without compromising privacy.

SafetyWing is a provider of insurance services designed for digital nomads and online freelancers. The company specializes in offering travel medical insurance, which includes coverage for health-related issues while abroad, as well as assistance with lifestyle disruptions such as lost luggage and travel delays. With a mission to facilitate the transition to location independence, SafetyWing aims to support individuals considering a nomadic lifestyle by providing affordable and comprehensive global insurance options. In addition to its insurance offerings, the company also shares knowledge and resources to help members navigate the challenges of living and working remotely. Through these services, SafetyWing seeks to empower remote workers to travel with confidence and freedom.

Fair is a car leasing company based in Santa Monica, California, founded in 2016. It offers a mobile application that simplifies the vehicle leasing process, allowing users to shop for, get approved for, and pay for a car using only their driver's license and bank account. By pioneering the car-as-a-service concept, Fair provides customers with the freedom to choose their vehicle and the flexibility to lease it for as long as desired, without the long-term commitments associated with traditional financing or leasing options. This innovative approach aims to enhance access to personal mobility for a wide range of consumers.

Figure Technologies, Inc. is a fintech company based in San Francisco, California, that specializes in providing consumer financial solutions primarily focused on home equity products. Incorporated in 2018, the company offers services such as home equity lines of credit, home improvement loans, and home buy-lease back options, facilitating access to capital for customers in as little as five days. Figure leverages blockchain technology, artificial intelligence, and advanced analytics to enhance its offerings, enabling customers to effectively manage their financial needs, including debt consolidation and retirement planning. Additionally, Figure has developed Provenance, a blockchain platform designed for businesses to manage digital assets and execute financial transactions efficiently.

Cyzone is a media platform dedicated to supporting Chinese entrepreneurs and the growth of medium- and small-sized enterprises in China. As the exclusive Chinese partner of Entrepreneur Magazine, Cyzone offers valuable resources and activities that facilitate networking and partnership-building among entrepreneurs. The platform provides a comprehensive suite of services, including media information, digital exhibitions, data research, innovation consulting, education and training, and capital docking, aimed at enhancing economic innovation. By connecting high-growth enterprises, financial institutions, large industrial companies, and government parks, Cyzone enables its users to access timely and in-depth information, ultimately helping them integrate into the global business environment and expand their operations internationally.

H2O.ai, Inc. develops an open source machine learning platform designed to facilitate predictive analytics and artificial intelligence applications. The company offers several key products, including H2O, which allows users to conduct in-memory machine learning, H2O Driverless AI for automated machine learning, and H2O Wave, a framework for real-time AI application development. H2O.ai's technology is utilized by over 5,000 organizations across various sectors, including insurance, healthcare, telecommunications, marketing, financial services, retail, and manufacturing, to address challenges such as fraud prediction and customer churn. Founded in 2011 and headquartered in Mountain View, California, H2O.ai aims to democratize AI by providing accessible tools for data scientists and developers to efficiently build and deploy machine learning models. The company maintains a strategic collaboration with Alteryx, enhancing its capabilities in predictive analytics.

Active.Ai has built an advanced, proprietary conversational AI platform that can be easily deployed for financial institutions, insurance companies and capital markets. Triniti, their artificial intelligence engine, has been built to create meaningful, intuitive engagement for the end user across multiple apertures like messaging, voice and IOT devices. Built from the ground up to specifically meet the needs of financial institutions, insurance companies and capital markets—utilizing Machine Learning, Natural Language Processing and Natural Language Generation—Triniti has an industry context that is unmatched for intuitive connection with the end user. Moreover, this solution is underpinned with the knowledge and expertise of an executive team with over 60 years of senior-level industry experience, and the deep understanding of the strategic and operational challenges their clients are working to address. Active.ai is arriving just in time for financial institutions, insurance companies and capital markets who are evolving quickly to remain relevant to changing customer expectations. Using advanced conversational AI, we see an exciting opportunity to create a natural dialogue and more meaningful connections with people in their everyday micro-conversations.

Orchard Platform is a Brazilian company that offers data, technology, and software solutions for the online lending industry. It operates a centralized marketplace that connects loan originators with institutional investors, facilitating the exploration and evaluation of funding opportunities. By leveraging a global network and providing high-quality data services, advanced analytics, and capital management tools, Orchard Platform enhances the efficiency of transactions in the private credit markets. The company also produces the Orchard U.S. Consumer Marketplace Lending Index, a key performance benchmark in the direct lending sector. Recognized as a thought leader, Orchard shares insights and research through its platform and blog. As a subsidiary of Velocity Markets, Inc., it aims to create a transparent and technologically optimized environment for its users, while investment advisory services are offered through Orchard Platform Advisors, LLC, an SEC-registered investment adviser based in New York.

Huisuanzhang is a financial services platform for Chinese integrated enterprises. It provides services to SMEs including accounting, business registration, business change, tax audit, tax agency, trademark Registration, and other professional and efficient integration of tax services. Based on the user's recognition and trust, as of September 2017, HuiZhuZheng has set up seven branches in Beijing, Shanghai, Guangzhou, Shenzhen, Chongqing, Tianjin and Hangzhou. The service network covers more than 200 cities in China with more than 300 Regional service agencies, to provide financial services to more than 230,000 business users. With the help of cloud and mobile Internet technology, HuiZhuZheng aims at standardization, refinement and scale-up, establishing marketing system, obtaining customer system, accounting service system, channel system, training system, business support system, tax-related service system, value-added service System, and other eight major systems, to achieve operational platform for standard operation. With core strengths such as technology-driven, service-oriented and innovative operation mode, HPC continuously upgrades and upgrades on the basis of improving user experience and resolving user's pain points, and solves the needs of small and medium-sized enterprises in their life-cycle taxation and taxation services. Huisuanzhang was established in April 2015.

Dave Inc. is a financial services company based in Los Angeles, California, founded in 2015. The company has developed a mobile application designed to assist users in managing their finances by providing insights into bank overdrafts and predicting expenses. The app enables users to avoid overdraft fees and low balances by offering features such as paycheck advances, budgeting tools, and resources for finding side gigs. With a focus on helping users maintain financial stability, Dave serves approximately 7 million Americans by providing essential tools for budgeting and credit building. The application is accessible on both the App Store and Google Play, positioning Dave as a key player in the challenger bank space.

Omnyway specializes in providing a contextual digital commerce platform tailored for retailers, banks, and brands. This cloud-based platform facilitates mobile payments and offers branded currency systems that help reduce payment costs while enhancing sales through the integration of loyalty, rewards, and promotions. Additionally, Omnyway provides an omnichannel mobile payments solution that allows users to create a seamless payment and rewards experience. This incentivizes customers to utilize the preferred payment methods of retailers, thereby fostering greater engagement and loyalty. The platform's features include rapid deployment, global scalability, open API, security measures, and built-in analytics, enabling businesses to efficiently and securely accept payments at physical locations.

Taulia Inc. is a technology company specializing in supply chain management and financing software solutions, founded in 2009 and headquartered in San Francisco, California. The company offers a range of services for businesses, including dynamic discounting, supply chain finance, cash forecasting, invoice automation, and supplier management. Its platform enables organizations to convert invoices into revenue opportunities by facilitating early payments and providing access to electronic invoicing without imposing fees on suppliers. Additionally, Taulia empowers suppliers through self-service tools, enhancing their operational efficiency. With a presence in various global locations, including offices in the United Kingdom, Germany, and Australia, Taulia has formed a strategic alliance with KPMG to strengthen its offerings in the financial technology sector.

Onfido Limited is a provider of identity verification solutions that utilizes artificial intelligence to authenticate users' identities through the analysis of government-issued IDs and facial biometrics. Established in 2010 and headquartered in London, the company has expanded its presence globally with offices in several major cities, including San Francisco and New Delhi. Onfido's technology is designed to streamline the identity verification process across various sectors, including financial services, e-commerce, and transportation, helping clients onboard users while minimizing risk. The platform enables businesses to verify identities securely and efficiently, supporting applications in areas such as KYC, fraud detection, and user onboarding. With a client base of over 1,500 organizations, Onfido is positioned to transform how identity verification is approached, facilitating seamless access to services ranging from banking to travel.

dv01, Inc. provides data and real-time insights for institutional investors, banks, and lenders in the financial lending markets. The company offers dv01 LOANS, a cloud-based portfolio management solution that compares and analyzes the lenders data for institutional investors; and dv01 BONDS, a loan data agent service for securitizations. It also offers Securitization Explorer, a web portal to provide investors with insights into securitizations of consumer loans; and a cash flow engine for securitizations. dv01, Inc. was incorporated in 2014 and is headquartered in New York, New York.

dv01, Inc. provides data and real-time insights for institutional investors, banks, and lenders in the financial lending markets. The company offers dv01 LOANS, a cloud-based portfolio management solution that compares and analyzes the lenders data for institutional investors; and dv01 BONDS, a loan data agent service for securitizations. It also offers Securitization Explorer, a web portal to provide investors with insights into securitizations of consumer loans; and a cash flow engine for securitizations. dv01, Inc. was incorporated in 2014 and is headquartered in New York, New York.

Lenda Inc. operates an online platform that allows homeowners to complete their home loan process online. Lenda Inc. was formerly known as GoRefi, Inc. The company was founded in 2012 and is based in San Francisco, California. As of April 17, 2019, Lenda Inc. operates as a subsidiary of Reali, Inc..

Fenbeitong is a corporate wallet application designed to streamline the management of corporate expenditures. The platform enables users to oversee, pay, and receive reimbursements for various business-related expenses, such as travel and procurement. By implementing intelligent control rules and reminder measures, Fenbeitong assists enterprises in significantly reducing costs associated with public consumption. Its credit monthly payment and unified invoice consumption model provide employees with a convenient way to manage expenditures without the burden of reimbursement processes, thus enhancing operational efficiency. Overall, Fenbeitong focuses on improving the financial management of corporate spending while facilitating a more efficient workflow for businesses.

Marqeta is a modern card issuing platform that provides infrastructure and tools to help companies build and manage payment programs. With its open API, the Marqeta platform is designed for businesses that want a simple and tailored way of managing payment programs so that they can create experiences and power new modes of commerce. Marqeta is headquartered in Oakland, California. It operates in the United States, Canada, Europe, and Australia and is certified to process payments in 10 countries in APAC.

ShieldPay Limited is a FinTech company based in Shoreditch, United Kingdom, founded in 2016. It operates an online escrow platform and payments engine that facilitates secure peer-to-peer transactions between consumers and businesses. The platform allows any classified site to function as a transactional marketplace, offering users a reliable method for conducting transactions. ShieldPay is authorized and regulated by the Financial Conduct Authority, and its mission is to eliminate fraud in peer-to-peer payments, ensuring that users can transact with confidence. The platform features a digital escrow facility that incurs no setup costs, protecting both payers and payees by verifying their identities and holding funds securely in the ShieldPay Vault until both parties agree to release them. This approach addresses shortcomings in traditional payment systems, providing a safer alternative for buying and selling goods and services. The company comprises a team of technologists, designers, marketers, and compliance experts dedicated to enhancing the security of the payments ecosystem.

Jiangtai Insurance Brokers (hereinafter referred to as Jiangtai) was established on June 16, 2000. It is the first insurance broker company in China to have been approved by the CIRC. The establishment of Jiangtai marks the official launch of the insurance brokerage market in China. Jiang Thai headquarters is located in Beijing, the registered capital of 214.928 million yuan. There are 67 branches of the country covering all provinces, autonomous regions and municipalities (except Macao and Taiwan Provinces), cities specifically designated in the state plan and some prefecture-level cities. Jiangtai adheres to the direction of professional development. It owns Yingshuo (Beijing) Insurance Brokers Co., Ltd., a leading professional reinsurance brokerage firm in China, Jiangtai Reinsurance Brokerage Co., Ltd., a wholly-owned subsidiary of Jiangtai Insurance Brokers Co. Ltd. in Hong Kong Companies, and subsidiaries based on seven years' experience in tourism market risk management and professional travel product development company - Jiangtai International Travel (Beijing) Co., Ltd. At present, the company employs more than 2,600 people, including more than 2,000 risk management and insurance professionals. Jiang Thai is committed to providing customers from all walks of life non-life insurance, life insurance, reinsurance and other insurance brokerage services and risk management services. In accordance with the relevant provisions of the "Insurance Law", based on the interests of policyholders, the insurance policyholders are provided with a series of insurance brokerage services such as risk investigation, risk assessment, risk control, insurance coverage, reinsurance arrangement and assistance with claims. Jiangtai insists on innovation and development, taking the path of marketization and specialization to take the social hot spots, difficulties and focus issues as the impetus for the development and make use of market-oriented measures to provide a guarantee for the stable development of the national economy. It has successfully entered the aerospace, urban orbit, energy Nearly 50,000 customers, including Ministry of Education, Ministry of Transport, National Tourism Administration, National Meteorological Bureau, Industrial and Commercial Bank of China, Agricultural Bank of China, Shanghai Volkswagen, etc. have successfully completed the business of South-to-North Water Diversion, Beijing-Shanghai high-speed rail, FY-2 meteorological satellite and other major projects in the insurance brokerage services. Jiangtai bravely shoulders its social responsibility with an excellent professional ability and explores a sustainable development path for national insurance brokers in areas of tourism, health care, education and safety production that are in line with the national economy and the people's livelihood in areas such as tourism, healthcare, education and safety production and won the Customer's unanimous praise. For seventeen years, the company's operating income has maintained a growth rate of more than 20% and has been on the path to profitability. In 2008, it was awarded the title of "Advanced Collective of National Insurance System" by the Ministry of Human Resources and Social Security and the China Insurance Regulatory Commission. Jiangtai positively takes advantage of the development opportunity of "Internet +", makes full use of modern tools such as e-commerce platform and mobile internet, actively expands its business scope and benefits professional insurance brokers' products and services to more insurance consumers. Founded the first international alliance of alliances led by Chinese insurance brokerage firms - Jiangtai International Cooperation Union with service network covering 160 countries and regions including 64 countries and regions along the "Belt and Road". In over 60 countries, it has provided insurance brokerage and risk management services to Chinese companies that go global such as energy, equipment manufacturing, and overseas contracting projects. Jiangtai has set up a brand campaign that integrates public welfare, non-governmental nature, professionalism and authority into one - "China Outbound Venture Enterprise Conference" and has successfully held three sessions since 2015. In order to further enhance the cooperation between Chinese enterprises and China Citizens have made a contribution to the risk awareness of going abroad. Jiangtai is committed to serving the modernization of the country's governance system and governance capacity, serving the upgrading and restructuring of the national economy, serving the people's livelihood security network, serving the government's functions, and safeguarding the development of the socialist market economy and deepening the overall reform. The courage to innovate and indomitable Jiangtai will surely become the pride of China's national insurance brokers.

Souche, a leading automotive new retail platform in China, is founded by Mr. Yao Junhong, the former CAR Inc. founding team member and vice president, in December, 2012. By August 2018, Souche raised over $1.2 billion from investment or ganizations, including Alibaba group, Ant Financial Services Group, Morningside Venture Capital, Warburg Pincus, Primavera Capital Group, etc. Souche joined '2017 New Global Unicorns Ranking' by Silicon Valley global research organization PitchBook. Souche thrives to become the big intelligent brain of automotive industry. Souche has gradually constructed integrated automotive new retail ecosystem through years of development. Souche is regarded as 'the Alibaba of Chinese automotive industry'. Today, Souche and its relative corporations dedicate in numerous businesses, which include automotive financial leasing platform Tangeche, B2B industrial chain service platform Chehang168, Used-car online trade platform Cheyipai, Car sharing customized platform TIHD, SaaS products for used-car automotive dealers Dafengche and new-car sub-channels automotive dealership network Maicheguanjia, automotive dealership group ERP system provider Breakthrough, Kingdee and automotive supply chain warehouse logistics integrated service provider Iyunche, etc.

Addepar, Inc. is an investment management platform that specializes in data aggregation, analytics, and portfolio reporting for financial advisors and their clients. Founded in 2009 and headquartered in Mountain View, California, the company also has offices in New York, Chicago, and Salt Lake City. Addepar's platform consolidates various financial accounts, providing a comprehensive view of client portfolios and facilitating smarter investment decisions. It offers a range of services including onboarding, ongoing support, fund management, and administration. Additionally, Addepar provides an Open API, enabling integration with other systems and allowing developers to create applications on its platform. The company serves a diverse clientele, including family offices, wealth advisors, financial institutions, and foundations, aiming to deliver a clearer financial picture and effective communication of relevant information through customizable reporting.

Nav is a free site and app that gives business owners the fastest, easiest and most trusted path to financing. The leading Business Financial Management app, Nav gives free access to personal and business credit reports from major consumer and commercial credit bureaus including Experian, Dun & Bradstreet, Equifax and TransUnion, and hosts a robust marketplace with more than 100 business financing products including loans and credit cards. The marketplace uses a unique, lender-neutral approach to help business owners find the best financing options for their needs. Nav's solution is also leveraged by other business service providers to enhance their customer experience.

Trumid Financial LLC is a financial technology company that specializes in electronic trading solutions for the corporate bond market. Founded in 2014 and based in New York City, Trumid operates the Trumid Market Center, an electronic trading network that connects market professionals to a wide array of liquidity sources. This platform enhances trading efficiency through various protocols and an intuitive design that integrates seamlessly into traders' workflows. Trumid also offers Trumid Bond Stream, which provides real-time TRACE pricing data, and Trumid Labs, which utilizes data science to enhance network management and facilitate bond price lookups. Through its innovative technologies and product offerings, Trumid aims to improve transparency, liquidity, and trade execution in the credit trading space.

WeConvene Limited operates a web-based platform designed to enhance corporate access for the global investment community. Established in 2012 and based in Tsim Sha Tsui, Hong Kong, the platform facilitates interactions among buy-side customers, sell-side customers, and corporates. It enables buy-side users to find, book, track, and rate important meetings while allowing sell-side users to manage and assess these interactions. The platform offers access to various corporate events, including earnings calls and annual general meetings, addressing the inefficiencies of traditional meeting organization methods. By providing a technology-driven solution, WeConvene democratizes investor access and streamlines workflows. The platform is open, allowing participants to engage without creating an account, and it is integrated with Bloomberg, enhancing its reach. As of late 2018, WeConvene had a robust ecosystem comprising numerous investor meeting hosts, corporates, and professional investors, promoting a significant number of investor events monthly.

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.

TrueAccord Corp. is a San Francisco-based company founded in 2013 that specializes in providing an automated platform for debt recovery. The company leverages machine learning and behavioral analytics to personalize communication with customers across various digital channels. This approach not only enhances recovery rates for businesses but also aims to maintain positive relationships with their customers. By optimizing outreach strategies, TrueAccord delivers a customer experience designed to foster long-term brand loyalty, thereby redefining the traditional dynamics between creditors and debtors.

Jacobi, Inc. is a technology company that has developed a platform for investment managers to design, analyze, and visualize multi-asset portfolios. Founded in 2014 and headquartered in San Francisco, California, with additional offices in Brisbane, Australia, and London, United Kingdom, Jacobi provides customizable tools that streamline investment processes, allowing users to aggregate portfolios, analyze allocations, and assess associated risks and returns. The platform facilitates deeper engagement between investment managers and clients by transforming complex financial data into intuitive visualizations and interactive dashboards. Additionally, Jacobi offers software development kits to further enhance the capabilities of its platform, promoting better decision-making and improved investment strategies.

CreditEase Insurance Agency, founded in 2011 and based in Beijing, China, specializes in distributing insurance products through partnerships with both domestic and international insurance companies. Utilizing the Internet as its primary channel for distribution, the agency connects consumers with a variety of insurance options, ensuring accessibility and convenience. By leveraging these partnerships, CreditEase aims to provide comprehensive insurance solutions tailored to the needs of its clients.

Funding Circle is a London-based online lending platform established in 2010 that connects investors with small and medium-sized businesses seeking capital. Operating in the United Kingdom, the United States, Germany, the Netherlands, and Spain, Funding Circle facilitates direct lending through its marketplace, allowing a variety of investors—including individuals, banks, local councils, and institutional investors—to fund business loans. The platform offers both secured and unsecured loans to help businesses with various financial needs, such as working capital, asset purchases, and property development. Additionally, Funding Circle collaborates with institutional investors on securitization programs and issues loan payment dependent debt securities. By bridging the gap between businesses in need of funding and investors seeking attractive returns, Funding Circle aims to create a mutually beneficial relationship that supports economic growth and job creation.

The first car loan by CITIC Group, Beijing Automotive Group, Matrix Partners, and Brilliance China joint venture China's first credit auto finance O2O service platform. Team consists of professionals from the automotive, financial, Internet, three major areas of composition, dedicated to the automobile industry chain links in new car dealers, used car dealers, car rental business, automotive parts suppliers, vehicle logistics providers, automotive consumers provide tailor-made financial solutions.

Tradeshift Inc. is a cloud-based platform that connects buyers and suppliers, streamlining digital trade transactions and enhancing supply chain efficiency. Founded in 2009 and headquartered in San Francisco, California, Tradeshift offers a suite of solutions including Tradeshift Buy, an eProcurement tool; Tradeshift Pay, an accounts payable automation platform; and Tradeshift Risk, which focuses on risk data collection and analysis. The company also provides Tradeshift Engage, a platform for supplier collaboration, and Tradeshift Go, which offers visibility into employee spending. Additionally, Tradeshift Frontiers serves as an innovation lab, exploring emerging technologies such as artificial intelligence and distributed ledgers to transform B2B commerce and global supply chains. With a commitment to eliminating paper and manual processes, Tradeshift enables clients to optimize procure-to-pay processes securely while capitalizing on early payment discounts and minimizing risks.

Circle is a financial technology company that leverages blockchain technology to facilitate the sending, receiving, and investing of cryptocurrency assets globally. Founded in 2013 by Jeremy Allaire and Sean Neville, Circle offers a user-friendly online platform that simplifies money transfers and includes services such as Circle Pay for peer-to-peer payments. In addition, the company provides Circle Invest, allowing users to buy and sell cryptocurrencies, and Circle Trade, which operates a trading desk with a substantial liquidity pool for digital assets, averaging $2 billion in monthly trading volume. With significant backing from investors, including notable firms such as Goldman Sachs and Accel Partners, Circle has established a presence in major cities, including Boston, New York, San Francisco, Dublin, London, and Hong Kong. The company is dedicated to accelerating global crypto innovation and adoption through its various financial services.

WorldCover operates a peer-to-peer risk relief network aimed at protecting farmers from natural disasters, particularly droughts, through an innovative insurance platform. Founded in 2015 and headquartered in New York, the company utilizes satellite technology and mobile money to deliver cost-effective crop insurance to smallholder farmers, primarily in developing countries. By leveraging remote sensing and advanced risk modeling, WorldCover addresses the significant climate risks faced by farmers, improving their food and income security. The platform not only provides financial protection to farmers but also offers investors an opportunity for diversified returns with a direct social impact, targeting the substantial market of individuals reliant on agriculture for their livelihoods.

Fundbox, Inc. is a technology company based in San Francisco, California, with an additional office in Plano, Texas, that specializes in providing payment and credit solutions for small and mid-size businesses (SMBs). Founded in 2013, Fundbox operates an AI-driven cash flow management platform designed to streamline business payments and enhance credit network systems. By leveraging machine learning and deep data analytics, Fundbox offers invoice financing and lines of credit, enabling businesses to improve their cash flow by accelerating payments against outstanding invoices. This allows sellers of all sizes to enhance their average order volumes and close rates by providing more competitive payment terms to their SMB buyers, thereby disrupting the B2B commerce market.