Envestnet | Yodlee Incubator

Productfy is a software-as-a-service platform that enables FinTech and InsurTech companies to build, test, and launch financial products. It provides a developer-first, white-label solution that allows organizations to embed financial services into their own apps, websites, and platforms with minimal coding. The platform supports the integration and issuance of a wide range of financial capabilities, including charge card issuance, depository services, automated clearing house transfers and payments, account linkage and transactions, credit reports and scores, and loyalty programs. It also offers data integration and normalization across vendor systems, KYC and identity verification, credit checks, asset valuation, and bank integrations and account verifications. Productfy emphasizes security, compliance, and speed to market, serving financial institutions, fintech startups, and larger enterprises seeking to bring secure financial products to market quickly and efficiently. The company was founded in 2018 and is based in San Jose, California.

Productfy is a software-as-a-service platform that enables FinTech and InsurTech companies to build, test, and launch financial products. It provides a developer-first, white-label solution that allows organizations to embed financial services into their own apps, websites, and platforms with minimal coding. The platform supports the integration and issuance of a wide range of financial capabilities, including charge card issuance, depository services, automated clearing house transfers and payments, account linkage and transactions, credit reports and scores, and loyalty programs. It also offers data integration and normalization across vendor systems, KYC and identity verification, credit checks, asset valuation, and bank integrations and account verifications. Productfy emphasizes security, compliance, and speed to market, serving financial institutions, fintech startups, and larger enterprises seeking to bring secure financial products to market quickly and efficiently. The company was founded in 2018 and is based in San Jose, California.

Global healthcare finance & lending services.

Spaycial is a marketing services provider that focuses on transforming credit cards into loyalty cards for the retail sector. Utilizing innovative banking technologies, the company collects and analyzes purchasing data to deliver insights that enhance marketing strategies and merchandising for retailers and shopping malls. Spaycial’s advanced customer knowledge platform allows these businesses to measure the effectiveness of their marketing actions accurately, driving improved return on investment. Additionally, the company enables a seamless customer experience by rewarding shoppers automatically when they transact with their regular credit cards, eliminating the need for traditional loyalty cards. Through its unique approach, Spaycial seeks to revolutionize how retailers engage with customers and optimize their marketing efforts.

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 insurance technology company that addresses the challenge of ensuring financial stability in retirement. It offers a straightforward, digital, and affordable annuity solution that guarantees income for retirees. By employing a B2B2C distribution model, Pensio aims to alleviate common difficulties associated with traditional retirement income options, making it easier for older individuals to secure the funds they need during their retirement years. The company's innovative approach seeks to modernize the annuity market and provide a reliable financial resource for those planning for retirement.

Hurry Home is a real estate firm based in South Bend, Indiana, founded in 2018 by Jada Mclean and John Gibbons. The company focuses on facilitating homeownership for renters through a shared ownership model, which allows individuals to earn equity in their homes. By utilizing capital from investors, Hurry Home provides a financial product that enables buyers to pay close to or less than their current rental costs for the same property. This innovative approach addresses the challenges of traditional mortgage financing, allowing renters to transition to homeowners while offering investors the potential for competitive returns.

Betterfin, Inc. is a financial technology company based in Brooklyn, New York, established in 2016. It specializes in developing a comprehensive financing management platform tailored for small business owners. The platform leverages real-time capital markets data and advanced credit technology to provide users with insights into their spending patterns and financial conditions. Betterfin enables business owners to monitor their financial information, access various financial products, and streamline their loan applications. Additionally, the platform offers features such as automated cash flow tracking and reporting, ensuring that users can make informed decisions regarding their financing needs. Through its transparent and convenient approach, Betterfin aims to empower small business owners to secure the capital necessary for their growth and success.

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

Productfy is a software-as-a-service platform that enables FinTech and InsurTech companies to build, test, and launch financial products. It provides a developer-first, white-label solution that allows organizations to embed financial services into their own apps, websites, and platforms with minimal coding. The platform supports the integration and issuance of a wide range of financial capabilities, including charge card issuance, depository services, automated clearing house transfers and payments, account linkage and transactions, credit reports and scores, and loyalty programs. It also offers data integration and normalization across vendor systems, KYC and identity verification, credit checks, asset valuation, and bank integrations and account verifications. Productfy emphasizes security, compliance, and speed to market, serving financial institutions, fintech startups, and larger enterprises seeking to bring secure financial products to market quickly and efficiently. The company was founded in 2018 and is based in San Jose, California.

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 company that specializes in enhancing creative marketing through artificial intelligence and data insights. It has developed a personality data platform that helps businesses build meaningful relationships with their customers. By analyzing psychometric and biographical data, Datasine creates detailed behavioral and risk profiles for each customer. This approach provides enterprises with actionable insights that can significantly improve their customer experience. The company's innovative use of AI allows for the combination of creative strategies with data-driven analysis, enabling businesses to understand what works, what does not, and how to optimize their marketing efforts effectively.

Stessa, Inc. is a software-as-a-service (SaaS) company that specializes in real estate technology, specifically tailored for investors in income properties. Founded in 2016 and headquartered in San Francisco, Stessa offers a platform that enables property owners to efficiently track, manage, and communicate the performance of their real estate portfolios. The platform features a visual dashboard that consolidates key metrics, automates income and expense tracking, and generates tax-ready financial reports, thereby streamlining administrative tasks and enhancing transparency for investors. In 2018, Stessa became a subsidiary of JLL Spark, further solidifying its position in the real estate technology sector. The service is offered free of charge to individual investors, making it accessible to a wide audience.

Starbutter AI is a conversational agent company based in Berkeley, California, that specializes in voice and chat solutions to assist consumers in selecting financial products. Founded in 2016, the company utilizes advanced machine learning and natural language processing algorithms to offer personalized recommendations for various financial products, including insurance, mortgages, credit cards, and banking services. Its offerings include text agents that engage with users on the company's website and chatbot agents that are capable of interacting through phone calls and smart devices like Google Home and Amazon Echo. By leveraging a comprehensive knowledge graph that incorporates data from reputable sources such as consumer reviews, industry reports, and expert insights, Starbutter AI aims to enhance the efficiency of marketing spend for financial institutions while ensuring consumers receive high-quality information to make informed choices.

Veryfi, Inc. is a technology company that specializes in bookkeeping automation software, offering solutions that streamline the processing of financial documents such as invoices, receipts, and bills. Founded in 2016 and based in San Mateo, California, Veryfi utilizes advanced technologies, including optical character recognition and intelligent character recognition, to accurately extract and categorize data from various documents. Its platform provides automated data capture, real-time processing, and seamless integration with accounting software, enabling users, including healthcare businesses, property investors, rideshare drivers, small businesses, and accountants, to enhance their financial recordkeeping and gain valuable insights. Veryfi's focus on speed and accuracy allows for the transformation of documents into structured data efficiently, reducing the manual effort typically associated with bookkeeping tasks.

Grapevine operates a collaborative giving platform designed to facilitate strategic donations among individuals and groups. It provides an online charity service that simplifies the philanthropic process by offering expert guidance and a variety of philanthropic tools. The platform enables users to easily establish collective giving groups and begin collecting donations within minutes. This functionality allows donors nationwide to direct their contributions to a wide range of nonprofits, enhancing the impact of their charitable efforts. Through its innovative approach, Grapevine aims to foster a community-oriented environment for giving, making philanthropy more accessible and effective for everyone involved.

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 technology company that operates an online platform designed to simplify the processing of loans and mortgages, specifically for residential home purchases. Founded in 2015 by Stephen Bulfer and Armando Gonzalez, the company is headquartered in San Francisco, California. Its platform offers features such as collaboration tools, auto-document aggregation, and policy management, facilitating effective communication between borrowers and financial institutions. By streamlining the loan purchase and refinance process, StreamLoan aims to enhance the customer experience and significantly reduce transaction times, thereby making it easier for clients to secure home and property loans. The company collaborates with various financial entities, including commercial banks and wealth management firms, to provide comprehensive support in the lending process.

Domuso Inc., established in 2013 and based in Santa Monica, California, specializes in a software platform that facilitates connections between renters and rental properties while managing lease payments. The company offers tools for property owners to streamline leasing processes and payment collections, along with mobile access and payment solutions tailored for renters. Domuso's platform is integrated with leading accounting systems and property management platforms, providing alternative credit options and automated payment processing to enhance the rent payment experience for residents while improving financial performance for properties.

Aug-Mental is a company focused on enhancing workforce productivity by detecting early signs of depression among employees. It has developed a behavior-monitoring platform that utilizes data from mobile and wearable devices, as well as natural language processing (NLP) analysis of messaging and social network interactions. This innovative approach allows for the identification of depression patterns and facilitates timely alerts to healthcare providers, enabling early intervention. By addressing potential mental health issues before they become more serious, Aug-Mental aims to support companies in maintaining a healthier workforce 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 technology company based in Chicago, Illinois, founded in 2016. It specializes in developing an artificial intelligence software platform designed to enhance client engagement and retention for financial advisors. By predicting family and lifestyle-based health risks, the platform enables advisors to provide more comprehensive and tailored advice. It focuses on crucial aspects such as health risk assessment, life stage planning, and care cost estimation, optimizing both health and financial wellness. This innovative approach enhances communication with next-generation heirs and empowers financial professionals to better plan for longevity, health risks, and eldercare costs, ultimately facilitating a secure financial future for their clients.

Curacubby is a technology company that provides an organization management platform specifically tailored for preschools and children's service providers. Founded by parents seeking a more efficient way to handle tuition billing and payments, the company offers an automated and secure online payment system that alleviates the burdens of traditional payment methods. Curacubby's platform streamlines various operational processes, including enrollment management, online fundraising, and attendee check-in, enabling educational institutions to optimize their back-office functions and e-payment processes. By integrating these services into a single platform, Curacubby allows preschools to concentrate on their primary mission of caring for children while improving operational efficiency and enhancing the overall experience for families.

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

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 is a personal data exchange platform that empowers consumers to aggregate, package, and sell their own anonymous personal data. Recognizing the value of consumer data in the lucrative Data-Driven Marketing Economy, which generates significant revenue annually, DataCoup shifts control and economic benefits back to individuals. By allowing users to monetize their data, the platform ensures that those who create valuable information are fairly compensated. DataCoup supports a variety of data types, including social, financial, health, and search or browsing data, facilitating efficient utilization of personal data by its creators.

Abound is a technology company that offers a modern API platform designed to simplify tax filing and management for independent workers. The platform streamlines the collection of W-9 forms, verifies Tax Identification Numbers, and manages 1099 filings, ensuring compliance and reducing errors through real-time verification. Utilizing artificial intelligence and machine learning, Abound automatically estimates, withholds, and pays self-employment taxes based on income earned from linked bank accounts. This automation not only helps users calculate their tax obligations but also allows them to set aside the necessary funds for tax payments, making the tax management process more efficient and 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 provides a web-based platform designed to assist business professionals and their families in managing their household finances. By automating and outsourcing mundane financial tasks, Levanto Financial enables users to build budgets, monitor cash flows, and pay bills for a monthly fee. The platform offers personalized advice and guidance tailored to individual needs and goals, along with tools for expense analysis, cash flow modeling, and ongoing coaching. This comprehensive approach allows users to make informed financial decisions while effectively managing their personal finances.

SnapCheck is a San Francisco-based company that has developed a mobile application offering digital check deposit services primarily for credit unions and banks. The company's platform provides a high-speed, secure, and universally accepted solution aimed at eliminating the use of paper checks, which number around 18 billion annually in the United States. By replacing traditional checks with a digital alternative, SnapCheck enables businesses, consumers, and financial institutions to significantly cut costs and reduce fraud losses. This innovative approach not only streamlines check payments but also has the potential to save the economy over $50 billion each year while also contributing to environmental sustainability by reducing paper usage.

Voatz Inc., established in 2014 and headquartered in Brookline, Massachusetts, specializes in designing and developing a secure mobile voting application. The company's platform employs blockchain technology, biometric scanning, and real-time voter-verification paper ballots to authenticate voters and securely store votes. Voatz has successfully facilitated over 5 million voters across 140 elections in seven countries, including notable firsts such as the U.S. Federal Election in 2018 and the U.S. Presidential Elections in 2020. Recently, Voatz was selected by 15 cities in Canada for the 2022 Ontario Municipal Elections and used in Mexico's 2024 Presidential Elections, demonstrating its global impact on secure and accessible voting processes.

InvestReady provides web services for online 506c and crowdfunding transactions, including accredited investor verification, non-accredited investor funds-available verifications, and investor education. Through secure online certificates, entrepreneurs and portals can verify an investor's status quickly, with the investor sharing private financial information only once and gaining access across multiple sites. The company offers API integrations for crowdfunding portals to verify investors as they connect to their platforms, and its fintech supports both accredited and non-accredited participants to facilitate private equity investing that is easy, secure, and compliant.

Telito is a developer of a mobile application that enhances the discovery experience by integrating social media with local reviews. The application allows users to easily rate their experiences and fosters trust and personalization in customer-generated opinions. By linking purchases to reviews, Telito's technology learns user preferences from their newsfeed, thereby providing tailored recommendations. Additionally, the platform offers a rewards system, making the review process engaging and beneficial for users. The company's focus is on creating a fun and reliable environment for consumers to share and explore experiences.

Roostify, Inc. is a technology company that specializes in a digital mortgage platform designed to streamline the home lending process. Founded in 2012 and headquartered in San Francisco, California, Roostify offers a web and mobile-based platform that connects borrowers with lenders, enhancing the efficiency of the loan application and closing experience. The platform simplifies the entire application process by digitizing workflows and allowing all parties involved to share and track information, documents, and transactions seamlessly. Roostify serves a diverse clientele, including enterprise banks, independent brokers, and various lending institutions. The company, initially known as Blue Igloo, Inc., rebranded to Roostify in July 2015 to better reflect its focus on transforming the mortgage 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 is a technology company that provides a suite of advanced analytics and communication tools designed for wealth advisors to enhance client engagement and asset management. Its flagship product, Draft Insights, enables advisors to securely access and analyze client account data to assess portfolios holistically, regardless of asset location. The platform identifies critical opportunities for improvement, such as high fees, excessive risk, and performance issues, empowering advisors to attract new clients and strengthen relationships with existing ones. Draft's technology supports the simultaneous analysis of millions of portfolios, making it a scalable solution for financial institutions. Additionally, it integrates with data aggregation services to enhance its analytical capabilities. Use cases for Draft Insights include compliance analysis, targeted marketing campaigns, and customized portfolio assessments, all aimed at improving portfolio management for both advisors and their clients.