Envestnet | Yodlee Incubator

Productfy, Inc. is a technology company that provides a Software-as-a-Service platform for developing financial and insurance technology applications. Founded in 2018 and based in San Jose, California, Productfy offers a developer-first solution that allows businesses to build, test, and launch various financial products efficiently. The platform supports integration with multiple vendors and includes capabilities for charge card issuance, depository services, automated payment processing, credit reporting, and loyalty programs. It emphasizes security and compliance, enabling organizations to embed financial services seamlessly into their applications without requiring extensive technical expertise. Additionally, Productfy's offerings include tools for KYC compliance, identity verification, financial data modeling, and asset valuation, creating a unified environment that streamlines the development of financial applications.

Productfy, Inc. is a technology company that provides a Software-as-a-Service platform for developing financial and insurance technology applications. Founded in 2018 and based in San Jose, California, Productfy offers a developer-first solution that allows businesses to build, test, and launch various financial products efficiently. The platform supports integration with multiple vendors and includes capabilities for charge card issuance, depository services, automated payment processing, credit reporting, and loyalty programs. It emphasizes security and compliance, enabling organizations to embed financial services seamlessly into their applications without requiring extensive technical expertise. Additionally, Productfy's offerings include tools for KYC compliance, identity verification, financial data modeling, and asset valuation, creating a unified environment that streamlines the development of financial applications.

Global healthcare finance & lending services.

Spaycial offers a cutting-edge marketing service that transforms credit cards into loyalty cards, utilizing advanced banking technologies to gather and analyze purchasing data. This innovative approach provides retailers and shopping malls with a comprehensive marketing suite designed to enhance customer engagement. By leveraging transactional data, Spaycial enables management teams to gain clear insights into their marketing effectiveness and merchandising strategies, allowing them to calculate the precise return on investment for their marketing efforts. Additionally, customers benefit from a seamless, cardless loyalty experience, as they are automatically rewarded when making purchases with their usual credit cards. Overall, Spaycial's services aim to improve the retail landscape by fostering loyalty and optimizing marketing strategies.

MyPerfectFinancialAdvisor is a new service designed to find the most perfect financial advisor for you, at this moment in your life. This new system will be going through rapid enhancements in 2019.

Pensio is an innovative company focused on addressing the challenge of ensuring a stable income during retirement. It offers a straightforward, digital, and affordable annuity solution that guarantees income for retirees. Utilizing a business-to-business-to-consumer (B2B2C) distribution model, Pensio aims to streamline the process of obtaining retirement income through modern annuity products. By leveraging technology, the company seeks to alleviate the common issues associated with traditional retirement income solutions, making it easier for individuals to secure financial stability in their later years.

Hurry Home is a real estate firm founded in 2018 in South Bend, Indiana, by Jada Mclean and John Gibbons. The company specializes in financing houses through shared ownership, allowing renters to transition to homeowners. By utilizing capital from investors, Hurry Home offers a financial product that enables buyers to earn equity in their homes while paying rent that is comparable to or less than traditional rental costs for similar properties. This innovative approach addresses the limitations of conventional mortgage origination, providing a pathway for renters to build equity and invest in their future while offering investors competitive returns.

Betterfin, Inc. is a financial management platform designed for small business owners, facilitating access to financial products and capital markets data. Founded in 2016 and headquartered in Brooklyn, New York, Betterfin provides a suite of tools that includes tracking spending patterns, monitoring business performance, ensuring data security, and generating automated cash flow reports. The platform leverages real-time data to enhance transparency and convenience in financing, allowing business owners to make informed decisions about the financial products that best meet their needs. Through its innovative approach, Betterfin aims to empower small business owners by streamlining the financing process and improving their overall financial management.

Class Action makes it easy to collect unclaimed class action payments.

Productfy, Inc. is a technology company that provides a Software-as-a-Service platform for developing financial and insurance technology applications. Founded in 2018 and based in San Jose, California, Productfy offers a developer-first solution that allows businesses to build, test, and launch various financial products efficiently. The platform supports integration with multiple vendors and includes capabilities for charge card issuance, depository services, automated payment processing, credit reporting, and loyalty programs. It emphasizes security and compliance, enabling organizations to embed financial services seamlessly into their applications without requiring extensive technical expertise. Additionally, Productfy's offerings include tools for KYC compliance, identity verification, financial data modeling, and asset valuation, creating a unified environment that streamlines the development of financial applications.

Tangello offers mortgage financing that reduces risk, increases payment flexibility, streamlines the approval process, and speeds up funding for homebuyers and homeowners. It allows homeowners to access their home equity without incurring debt, unlike a reverse mortgage or home equity loan. The owner keeps complete control of the property and is entitled to the value of any changes they make.

Datasine is a developer of a personality data platform that focuses on enhancing creative marketing through artificial intelligence. The platform analyzes psychometric and biographical data from customers to create detailed behavioral and risk profiles. By combining this data with creative strategies, Datasine provides actionable insights that help companies understand what marketing approaches are effective and what adjustments may be necessary. This capability enables businesses to foster meaningful customer relationships and significantly improve their customer experience.

Stessa, Inc. is a San Francisco-based company that developed a software-as-a-service (SaaS) platform tailored for real estate investors managing income properties. Founded in 2016 and acquired by JLL Spark in 2018, Stessa provides tools for tracking, managing, and communicating the performance of real estate portfolios. Its platform offers features such as a visual dashboard displaying key metrics, automated income and expense tracking, and tax-ready financial reports. This enables property owners to gain transparency and streamline their operations. Stessa targets individual investors with single-family rentals and multifamily buildings, offering its services at no cost.

Starbutter AI is a conversational agent company based in Berkeley, California, focused on assisting consumers in selecting financial products. Founded in 2016, it offers both text and voice chat solutions that engage users through the company's website and various smart devices, such as Google Home and Amazon Alexa. The company's technology leverages advanced machine learning and natural language processing algorithms, along with a comprehensive knowledge graph, to deliver personalized recommendations for products like insurance, mortgages, credit cards, and banking services. By utilizing data from trusted sources, including consumer reports and expert insights, Starbutter AI aims to provide high-quality information that helps consumers make informed decisions while improving the efficiency of marketing efforts for financial institutions.

Veryfi, Inc. is a company that specializes in bookkeeping automation software, providing a platform designed to streamline the extraction and transformation of financial documents such as bills, receipts, and invoices. Founded in 2016 and headquartered in San Mateo, California, Veryfi employs advanced technologies, including optical character recognition, to deliver accurate and rapid data processing. Its software is utilized across various sectors, including healthcare, property investment, and gig economy services like Uber and Lyft, catering to self-employed individuals, small businesses, startups, and accountants. By enabling real-time data capture and integration with accounting systems, Veryfi enhances the efficiency of financial recordkeeping and offers valuable insights, ultimately reducing the manual effort required for data entry tasks.

Grapevine is an online collaborative giving platform that facilitates strategic donations for social causes. It offers a user-friendly service that enables individuals to establish collective giving groups and start collecting donations within minutes. The platform provides access to expert guidance and philanthropic tools, allowing donors to direct their funds to a wide range of nonprofits across the country. By fostering collaboration, Grapevine aims to enhance the impact of charitable giving.

Golden is a developer of financial software focused on improving and securing the financial health of seniors. Each year, millions of older adults struggle with managing their finances due to diminished capacity, creating challenges for their adult children who may feel overwhelmed by the responsibility. Golden's platform connects seniors' financial accounts with their adult children or eldercare agencies, providing tools to analyze transactions and establish a fixed-income budget. The service identifies potential savings opportunities, conducts fraud reviews, and pre-qualifies users for credit, loans, and government benefits. By facilitating better financial management, Golden aims to ensure favorable financial outcomes for both seniors and their families, while fostering a trusting and supportive environment.

StreamLoan, Inc. is a company that operates an online platform aimed at simplifying the loan and mortgage process for residential home purchases. Founded in 2015 and headquartered in San Francisco, California, StreamLoan offers a borrower-centric platform that facilitates collaboration between property buyers and financial institutions, including commercial banks and wealth management firms. The platform features tools for auto-document aggregation, sharing, and policy management, which streamline the purchase and refinancing of loans. By enhancing communication and reducing transaction times, StreamLoan aims to provide a more efficient and straightforward experience for clients seeking home financing solutions.

Domuso Inc. is a technology company based in Santa Monica, California, that offers a software platform designed to facilitate rent payments and enhance the leasing experience for renters and property owners. Founded in 2013, Domuso provides a suite of payment processing solutions tailored for multifamily properties, integrating seamlessly with leading accounting and property management systems. The platform streamlines the rent payment process by offering innovative digital payment options and enabling features such as financing for move-in payments and management of online move-out refunds. By leveraging data and technology, Domuso aims to improve financial performance for property owners while enhancing the overall experience for residents.

Aug-Mental is a company focused on enhancing workforce productivity by identifying early signs of depression among employees. It has developed a behavior-monitoring platform that integrates data from mobile and wearable devices with natural language processing (NLP) analysis of messaging and social network interactions. This innovative approach allows for the detection of patterns indicative of depression, enabling timely alerts to healthcare providers. By providing early intervention for those at risk, Aug-Mental aims to address undiagnosed cases of depression, ultimately fostering a healthier work environment and improving overall productivity.

Capitalize Nation is a developer of a client engagement platform aimed at enhancing the services provided by wealth advisors. The platform facilitates client onboarding and offers real-time analysis and reporting of funds, transactions, and portfolio performance through a streamlined digital process. By minimizing paperwork and associated costs, Capitalize Nation enables independent wealth advisors to improve their operational efficiency and deliver better outcomes for their clients. The company focuses on transforming the client-advisor relationship by leveraging technology to enhance financial services.

Genivity, Inc. is a company based in Chicago, Illinois, founded in 2016, that develops an artificial intelligence software platform designed to enhance client engagement for financial advisors. This platform predicts family and lifestyle-based health risks, enabling advisors to provide targeted, comprehensive advice while improving communication with clients and their next-generation heirs. By focusing on health risk, life stage, and care cost planning, Genivity's technology supports financial professionals in optimizing their clients' health and financial wellness. Ultimately, it aims to foster stronger relationships between financial advisors and their clients, ensuring a well-planned and secure financial future.

Curacubby is an organization management platform specifically designed for preschools and children's service providers. Founded by parents seeking a more efficient way to handle tuition billing and payments, Curacubby addresses common frustrations associated with traditional methods, such as handwritten reminders and confusion over late fees. The platform offers a suite of features including enrollment management, tuition management, online fundraising, and an online form builder, all aimed at streamlining operations and financial transactions. By automating these processes, Curacubby allows preschools to focus on their primary mission of caring for children, while also enhancing the experience for parents through secure and efficient payment options.

Finch is the next-gen data intelligence and financial technology company. We help businesses and financial services provide advanced personalisation, data intelligence, and connected payment experiences via simple APIs for the modern economy. Our award-winning financial products (Peer to Peer Payments, Expense Tracking, Personal Finance Management and Merchant Payments) deliver seamless customer experiences, while collecting billions of transactional and behavioural data points feeding our machine learning intelligence to deliver unrivalled insights. Finch is widely regarded as one of Australia’s most exciting startups, having recently won "Most Innovative Team" following multiple awards for its consumer app, including "Best Digital Wallet" and "Best Personal Finance App". Simple APIs. Connected payments. Advanced personalisation. Data intelligence. Welcome to the future of consumer finance.

Finvoice, Inc. is a San Francisco-based company that specializes in cloud-based lending software solutions tailored for factors and asset-based lenders. Founded in 2014, the company provides a suite of products designed to enhance the lending process and ensure regulatory compliance for financial institutions. Its offerings include FV Originate, which facilitates conversion through accounting integrations and user-friendly online applications; FV Underwrite, which focuses on optimizing rates and monitoring portfolios using data aggregation and risk analytics; and FV Operate, which streamlines workflows and expedites deal closures through automation. By enabling offline lenders to transition to online platforms, Finvoice supports financial institutions in growing their sales while maintaining compliance with industry regulations.

Simplifier Corporation specializes in developing a software-as-a-service (SAAS) platform that streamlines the expense reporting process for companies. By addressing common business challenges such as time-consuming report preparation and significant errors in expense submissions, Simplifier's solution aims to reduce operating costs by up to 75%. The platform enhances compliance and minimizes instances of travel and entertainment fraud, which is a significant concern for many organizations. Utilizing a unique calendar-based user interface, Simplifier simplifies data entry, thus improving data quality and facilitating manager reviews. The platform's data analytics capabilities also enable companies to centralize their accounting processes, further lowering costs while enhancing data accuracy and improving communication among employees.

Totum by TIFIN provides a multi-scoring risk tolerance toolkit designed for financial advisors and investors, emphasizing risk capacity over traditional risk preference models. This approach allows advisors to evaluate an investor's unique financial situation, incorporating comprehensive human capital factors such as geography, industry, health, family, and retirement status. The platform integrates with major custodians, broker/dealers, and insurance companies to pull in account-level data, facilitating automatic portfolio risk assessments. It features a Model Marketplace where asset managers can share and compare their investment models, and allows advisors to upload their own or utilize existing integrations for model management. Totum also offers custom Investment Policy Statements to assist advisors in meeting compliance requirements, including the SEC Best Interest Rule and FINRA's suitability rule. By leveraging big data and machine learning, Totum alerts advisors and investors to life events affecting their financial goals, enabling a more tailored investment strategy. This holistic approach helps advisors differentiate their proposals and focus on client acquisition and retention.

DataCoup operates as a personal data exchange, enabling consumers to aggregate and sell their own anonymous personal data. Recognizing the significant value of consumer data in the digital advertising and marketing landscape, DataCoup empowers individuals to take control of their information and gain economic benefits from it. The platform supports various types of personal data, including social, financial, health, and search or browsing data. By allowing users to package and sell their data in a marketplace, DataCoup transforms the relationship between individuals and their information, ensuring that those who generate the data receive fair compensation for its value.

Abound is a technology company that offers an API solution focused on tax filing and management for independent workers. Its platform simplifies the collection of W-9 forms, verifies taxpayer identification numbers (TINs), and automates the management of 1099 filings to ensure compliance. By leveraging artificial intelligence and machine learning, Abound estimates, withholds, and facilitates timely payment of self-employment taxes. The system automatically calculates tax obligations as users earn income, enabling them to set aside funds for tax authorities. This approach reduces errors through real-time verification and helps users maintain control over their data while streamlining tax processes, ultimately making tax management easier and more secure for self-employed professionals.

Levanto Financial Inc. is a personal financial management service and technology platform based in Troy, Michigan, founded in 2009. The company offers a web-based platform that allows users, particularly business professionals and their families, to automate and manage mundane financial tasks. This includes building budgets, monitoring cash flows, and paying bills for a monthly fee. Levanto Financial provides customized advice and guidance tailored to the specific needs, goals, and priorities of its users, facilitating informed financial decisions. The platform also features tools for expense analysis, cash flow modeling, and ongoing personal coaching, helping users to create and maintain a balanced budget effectively.

SnapCheck, based in San Francisco, California, is a developer of a digital check payment platform that offers mobile check deposit services for banks and credit unions. The company aims to eliminate the reliance on paper checks, which number around 18 billion annually in the United States. By providing a secure and efficient solution, SnapCheck's platform allows businesses, consumers, and financial institutions to write and send digital checks, thereby reducing costs associated with check processing and significantly minimizing the risk of check fraud. The innovative approach not only streamlines payment processes but also contributes to environmental sustainability by reducing paper usage.

Voatz, Inc. is a mobile application developer specializing in secure voting solutions for elections. Founded in 2014 and based in Brookline, Massachusetts, the company offers a mobile-first elections platform that utilizes a blockchain infrastructure and biometric authentication to ensure voter security and accessibility. Voatz has successfully facilitated over 5 million votes across 140 elections in seven countries, including the first mobile voting in U.S. Federal Election history in 2018 and participation in the 2020 U.S. Presidential Elections. Its technology generates real-time, voter-verified paper ballots for record-keeping, allowing voters to cast their ballots using their mobile devices while assisting election administrators in managing the voting process efficiently. The platform has been adopted by multiple jurisdictions, including 15 cities in Canada for the 2022 Ontario Municipal Elections, and it played a role in the historic 2024 Presidential Elections in Mexico.

InvestReady is a financial technology company that specializes in providing web services for online crowdfunding transactions, particularly focusing on accredited and non-accredited investor verification. The company offers tools that enable entrepreneurs and crowdfunding portals to verify an investor's status quickly and securely through online-accessible certificates. This process allows investors to share their private financial information only once while accessing multiple investment platforms. InvestReady also provides a comprehensive suite of API integration options, facilitating seamless investor verification for crowdfunding portals. By simplifying the verification process, InvestReady aims to enhance the experience of private equity investing, making it more efficient, secure, and compliant for both investors and fundraising platforms.

Telito is a developer of a mobile application designed to enhance the local discovery experience through social media integration. The application allows users to easily rate their experiences while fostering trust and personalization in customer-generated reviews. By linking purchases to reviews, Telito's platform utilizes technology that learns user preferences, creating a tailored newsfeed. Additionally, it offers rewards to users, making the discovery process both enjoyable and beneficial.

Roostify, Inc. is a technology company that specializes in developing a digital mortgage platform aimed at enhancing the home lending experience. Founded in 2012 and headquartered in San Francisco, California, the company serves a diverse clientele that includes enterprise banks, independent brokers, and various lending institutions. Roostify's platform streamlines the loan application process by digitizing the entire application-to-closing workflow, allowing borrowers to apply for mortgages easily while facilitating seamless communication and document sharing among all parties involved. Originally known as Blue Igloo, Inc., the company rebranded to Roostify in July 2015, reflecting its commitment to transforming the lending landscape.

OCX takes a fresh approach to financing independently owned businesses. We combine a simple online platform with an underwriting model that taps into existing business networks for credit signals, to fund parts of our loans, and to reach new borrowers and investors.

Draft provides a suite of analytics and communication tools designed to assist wealth advisors in acquiring and retaining clients. Its flagship product, Draft Insights, enables advisors to securely access and analyze comprehensive portfolio data for clients, regardless of asset location. This tool identifies potential issues such as high fees, excessive risk, poor performance, and diversification gaps, thereby offering actionable insights that can help advisors attract new clients or strengthen relationships with existing ones. Draft's technology can analyze millions of portfolios simultaneously, making it scalable for financial institutions. Additionally, it integrates with data aggregation services and supports various use cases, including fiduciary compliance analysis and automated marketing campaigns. Overall, Draft aims to enhance portfolio management and client service in the wealth advisory sector.