EMVC

EMVC, or Emphasis Ventures, is a venture capital firm established in 2018 and headquartered in New York, New York. The company focuses on investing in early-stage financial technology and insurtech companies, particularly in India and other high-growth markets. EMVC aims to support innovative solutions that can transform the financial landscape, recognizing that the most impactful advancements often emerge from unexpected sources. The firm seeks to identify and nurture promising startups that are poised to drive significant change in the financial services sector.

Melissa Frakman

Founding Partner and CEO

26 past transactions

Mysa

Seed Round in 2025
Mysa provides smart banking platform by automating cashflow management, accounting & taxes for growing business.

Flash.co

Seed Round in 2023
Flash.co operates an innovative e-commerce platform designed to enhance the shopping experience for frequent consumers by providing them with unique email identities specifically for shopping purposes. The platform leverages AI and machine learning algorithms to create a unified digital identity for users, allowing them to navigate their shopping journeys more efficiently. By addressing common pain points in the shopping process, Flash.co aims to empower consumers with greater control over their purchases while rewarding them for their shopping activities. This approach not only streamlines the shopping experience but also incentivizes loyalty among power shoppers.

Mysa

Pre Seed Round in 2023
Mysa provides smart banking platform by automating cashflow management, accounting & taxes for growing business.

Monnai

Series A in 2023
Monnai offers a global financial platform and API infrastructure that enables fintechs and financial institutions to access real-time credit decisions, aggregated financial and digital insights, and end-to-end onboarding, trust and fraud risk management, underwriting, and debt collections. The platform delivers over 500 insights to support decisions across the customer lifecycle and via a unified API streamlines onboarding and related processes, helping businesses reduce costs and grow assets and revenue.

Monnai

Seed Round in 2022
Monnai offers a global financial platform and API infrastructure that enables fintechs and financial institutions to access real-time credit decisions, aggregated financial and digital insights, and end-to-end onboarding, trust and fraud risk management, underwriting, and debt collections. The platform delivers over 500 insights to support decisions across the customer lifecycle and via a unified API streamlines onboarding and related processes, helping businesses reduce costs and grow assets and revenue.

TartanHQ

Seed Round in 2022
Our technology allows businesses to access payroll data directly from the payroll systems to streamline income and employment verification, improve underwriting models, and help employees and independents avail custom benefits from their employers.

Card91

Seed Round in 2022
Card91 provides a plug-and-play payment infrastructure service for businesses aiming to issue, manage, view, and approve payments. It facilitates the launch of co-branded cards and simplifies business payments.

TartanHQ

Seed Round in 2022
Our technology allows businesses to access payroll data directly from the payroll systems to streamline income and employment verification, improve underwriting models, and help employees and independents avail custom benefits from their employers.

Wealthy

Series A in 2022
Wealthy is a developer of a wealth management software platform that facilitates effective investment management for its users. The platform offers recommendations for appropriate portfolio allocations and supports essential functions such as asset diversification, rebalancing, and the automation of data entry. By providing analytical insights, Wealthy's software enables customers to manage their assets according to their specific needs, facilitating informed investment decisions and helping them optimize their financial outcomes.

Bureau

Series A in 2021
Bureau is a no-code platform specializing in identity verification, risk management, and fraud prevention. It enables businesses to automate decisions, onboard good customers securely, and enhance user experiences through real-time insights, instant logins, and risk profiling.

Clinikk

Seed Round in 2021
Founded in 2016, Clinikk is a Bengaluru-based healthcare platform offering affordable monthly subscription plans. These plans provide family health insurance coverage alongside unlimited online and offline consultations, medicines, and tests at Clinikk Health Hubs.

Monnai

Seed Round in 2021
Monnai offers a global financial platform and API infrastructure that enables fintechs and financial institutions to access real-time credit decisions, aggregated financial and digital insights, and end-to-end onboarding, trust and fraud risk management, underwriting, and debt collections. The platform delivers over 500 insights to support decisions across the customer lifecycle and via a unified API streamlines onboarding and related processes, helping businesses reduce costs and grow assets and revenue.

GramCover

Series A in 2021
GramCover is an InsurTech marketplace focused on providing insurance solutions tailored specifically for rural India, particularly for farmers. The company develops and brokers rural insurance products, aiming to enhance accessibility and affordability through technology-driven innovations. GramCover's mobile insurance platform allows partners to digitally onboard customers and issue insurance policies instantly, utilizing various payment collection methods suited for rural communities. By leveraging data from initiatives like Jan Dhan and Aadhar, GramCover enhances its underwriting capabilities and offers comprehensive risk analysis tools for crop insurance. This approach enables insurers and corporates to create personalized insurance products, thereby increasing penetration and reducing costs in underserved rural markets.

Bimaplan

Seed Round in 2021
Bimaplan operates an insurance technology platform that collaborates with insurers to develop affordable, over-the-counter insurance products tailored to the needs of low- and middle-income populations. The platform facilitates seamless distribution of relevant insurance products to customers and partners with various businesses to create customized insurance solutions.

Card91

Pre Seed Round in 2020
Card91 provides a plug-and-play payment infrastructure service for businesses aiming to issue, manage, view, and approve payments. It facilitates the launch of co-branded cards and simplifies business payments.

Clinikk

Seed Round in 2020
Founded in 2016, Clinikk is a Bengaluru-based healthcare platform offering affordable monthly subscription plans. These plans provide family health insurance coverage alongside unlimited online and offline consultations, medicines, and tests at Clinikk Health Hubs.

Clinikk

Funding Round in 2020
Founded in 2016, Clinikk is a Bengaluru-based healthcare platform offering affordable monthly subscription plans. These plans provide family health insurance coverage alongside unlimited online and offline consultations, medicines, and tests at Clinikk Health Hubs.

Bureau

Seed Round in 2020
Bureau is a no-code platform specializing in identity verification, risk management, and fraud prevention. It enables businesses to automate decisions, onboard good customers securely, and enhance user experiences through real-time insights, instant logins, and risk profiling.

slice

Series B in 2020
Slice is a fintech startup aimed at enhancing the financial experience for young Indians. The company offers a transparent and efficient platform designed to simplify payments and access to credit. Its flagship product, the slice card, allows users to make seamless credit payments while ensuring a high-quality mobile experience and responsive customer service. Additionally, slice provides other financial products, such as slice borrow and slice account, which facilitate fast and straightforward transactions and help users build their credit scores. By focusing on the needs of young consumers, slice seeks to improve their financial literacy and empower them in managing their money more effectively.

GramCover

Seed Round in 2020
GramCover is an InsurTech marketplace focused on providing insurance solutions tailored specifically for rural India, particularly for farmers. The company develops and brokers rural insurance products, aiming to enhance accessibility and affordability through technology-driven innovations. GramCover's mobile insurance platform allows partners to digitally onboard customers and issue insurance policies instantly, utilizing various payment collection methods suited for rural communities. By leveraging data from initiatives like Jan Dhan and Aadhar, GramCover enhances its underwriting capabilities and offers comprehensive risk analysis tools for crop insurance. This approach enables insurers and corporates to create personalized insurance products, thereby increasing penetration and reducing costs in underserved rural markets.

Khatabook

Series B in 2020
Khatabook is an Indian SaaS company empowering micro, small, and medium businesses by offering secure and efficient digital ledger solutions. It supports over 20 million registered users across 11+ languages.

Klub

Pre Seed Round in 2020
Klub is a fintech company that provides revenue-based financing and growth capital to digital businesses and brands with recurring revenue. Its platform blends financial innovation, community engagement, and data-driven analytics to offer flexible capital structures for growth needs such as marketing, inventory, and capital expenditures. Klub sources capital from non-bank financial institutions and high-net-worth individuals, aligning funding with revenue performance and enabling brand owners to scale without fixed repayment schedules. The company serves entrepreneurs across sectors, focusing on brands with strong customer affinity.

Niki

Series A in 2019
Niki is focused on converting India's 500 million new Internet users into active consumers by providing a messaging and personal assistant platform that simplifies various payment needs. The service allows users to interact in their native language, replicating the experience of speaking with a local agent to access a wide range of services, including mobile recharging, online shopping, and cab bookings. By utilizing proprietary technology that incorporates machine learning and Natural Language Processing, Niki enhances the offline experience and streamlines everyday tasks for users, ultimately improving their efficiency and facilitating transactions in a manner that is familiar and accessible.

Wealthy

Seed Round in 2019
Wealthy is a developer of a wealth management software platform that facilitates effective investment management for its users. The platform offers recommendations for appropriate portfolio allocations and supports essential functions such as asset diversification, rebalancing, and the automation of data entry. By providing analytical insights, Wealthy's software enables customers to manage their assets according to their specific needs, facilitating informed investment decisions and helping them optimize their financial outcomes.

Credenc

Seed Round in 2019
Credenc is a digital education loan platform based in New Delhi, founded in 2017 by Avinash Kumar and Mayank Batheja. The company specializes in facilitating the procurement of education loans for students pursuing higher education. Its innovative platform allows students to apply for loans online with ease, offering access to multiple banking options and eliminating service charges. Beyond financial support, Credenc also focuses on enhancing student employability, providing guidance as they transition from education to professional careers. This comprehensive approach helps deserving students access post-secondary education while ensuring they are well-prepared for the job market.

Kaarva

Seed Round in 2019
Kaarva is India's pioneering flexible salary platform that empowers employees to access portions of their earned salaries as needed, without relying on traditional salary advances. The platform is designed for regular income workers, allowing them to withdraw small amounts of their salaries multiple times a month in response to urgent financial needs, thereby eliminating the wait for payroll. Kaarva offers fair and affordable advances with minimal hassle, enabling users to manage their finances more effectively. Additionally, the platform provides digital tools to support better financial decision-making, contributing to enhanced employee job satisfaction and giving organizations a competitive edge in recruitment.
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