FinTech Collective

Grâce offers innovative insurance solutions to enhance customer experience and improve process efficiency.

Upfin Management is a venture capital firm based in Copenhagen, Denmark, founded in 2022. The firm specializes in early-stage investments, primarily focusing on the financial technology sector within the Nordic region. Upfin aims to support and nurture innovative companies in information technology and financial services, investing in approximately 15 to 20 startups. By concentrating on early-stage fintech ventures, Upfin seeks to capitalize on emerging trends and technologies that can transform the financial landscape.

Strike is a cybersecurity firm focused on providing accessible and high-quality security solutions to enterprises of all sizes. The company specializes in Continuous Pentesting, which connects organizations with cybersecurity professionals to ensure ongoing security assessments rather than relying solely on periodic testing. This approach combines manual pentesting by skilled experts with automated scanning, allowing organizations to identify and address vulnerabilities in real-time. By integrating with clients' management and communication systems, Strike enhances the efficiency of vulnerability triaging and remediation, helping businesses safeguard their data against potential threats before they can be exploited.

Glassbox is a SaaS financial modeling and analysis platform designed to streamline the creation and evaluation of complex M&A and financing transactions.

minu is revolutionizing the financial health of Mexican employees, offering them access to their already worked salary when they need it, instead of having to wait for payroll. The company works with HR divisions of companies that offer the provision of minu to improve satisfaction, retention, and attraction of talent. minu is supported by FinTech's leading institutional investors globally, including QED.

Diesta is a company focused on developing payment software specifically for the insurance industry. Its solutions aim to modernize the flow of funds by automating the reconciliation and distribution of insurance payments. The software integrates internal systems with external partners onto a unified financial ledger, ensuring efficient processing of insurance premiums. This innovation allows clients in the insurance sector to achieve greater transparency, reduce administrative costs, and facilitate quicker payments, ultimately enhancing their revenue potential.

Ziina is a financial service company that specializes in peer-to-peer payment solutions through its mobile application. The platform is designed to facilitate secure transactions, utilizing bank-grade security measures and end-to-end encryption to ensure the safety of users' financial information. By allowing individuals to send and receive funds using just a phone number, Ziina empowers users to manage their finances efficiently and take control of their monetary transactions.

Bunch is a fintech company that offers a platform designed to streamline private market investing. It focuses on digital entity creation, seamless investor onboarding, and portfolio management. By addressing challenges such as legacy intermediaries, regulatory complexity, and inefficient administration, Bunch aims to save time, money, and mental energy for its users. The platform operates across various legal structures, asset classes, and jurisdictions, making private markets more accessible for businesses and investors. Through its innovative approach, Bunch seeks to simplify and enhance the efficiency of private market transactions.

Truva is a AI firm that enhances software user experiences, guiding and executing tasks in real-time, boosting NPS.

WheeKeep is a portable storage company based in Jeddah, Saudi Arabia, specializing in providing tailored storage solutions for both personal and commercial needs. The company offers a variety of appropriately sized units, including portable, moving, and on-site storage options. These units allow customers to securely pack and store their belongings in a warehouse facility until they are needed, facilitating a seamless and effortless relocation process. By prioritizing convenience and security, WheeKeep aims to simplify the storage experience for its clients.

Aoto Coin is a pioneering financial technology company that specializes in digital asset banking services. It aims to transform the financial landscape for digital assets by leveraging artificial intelligence and blockchain technology. The company's platform provides secure online banking, advanced custody features, and a modular architecture, enabling financial service providers to streamline operations, access digital asset markets, and maintain robust data protection and control.

Simetrik INC is a company based in Bogotá, Colombia, specialized in providing verification services for transactional data. Founded in 2017, it offers big data solutions that enhance financial control and automate processes for corporate clients. Simetrik's platform enables businesses to reconcile diverse sources of information, regardless of their origin or format, ensuring accuracy and reducing operational costs. Utilizing a No Code/Low Code approach, the company empowers finance and operations teams to customize and maintain automated solutions across various use cases and geographic locations. With a robust, secure big data infrastructure, Simetrik manages high data volumes, mitigating compliance and reputational risks. The company processes $75 billion in total payment volume annually and serves a notable client base, which includes major financial entities like Mercado Pago and Bancolombia.

Simetrik INC is a company based in Bogotá, Colombia, specialized in providing verification services for transactional data. Founded in 2017, it offers big data solutions that enhance financial control and automate processes for corporate clients. Simetrik's platform enables businesses to reconcile diverse sources of information, regardless of their origin or format, ensuring accuracy and reducing operational costs. Utilizing a No Code/Low Code approach, the company empowers finance and operations teams to customize and maintain automated solutions across various use cases and geographic locations. With a robust, secure big data infrastructure, Simetrik manages high data volumes, mitigating compliance and reputational risks. The company processes $75 billion in total payment volume annually and serves a notable client base, which includes major financial entities like Mercado Pago and Bancolombia.

Glif is a technology company that develops and maintains essential applications for the Filecoin ecosystem. It offers a decentralized protocol that provides tools for managing and upgrading custom staking pools, enabling users to earn yield on their assets and efficiently allocate capital and storage resources.

Vestwell is a developer of a digital savings platform focused on creating retirement plans for employees. The company provides automated retirement investing options tailored for registered investment advisers (RIAs), ensuring compliance with relevant rules and regulations. By streamlining the process of defined contributions for companies and their employees, Vestwell enables advisers to effectively engage with their clients while facilitating automation in retirement planning.

Performativ is a company that specializes in enhancing the reporting capabilities of financial services firms through its innovative wealth management platform. By utilizing proprietary data models and open banking technology, Performativ facilitates connections between banks, custodians, investors, and asset managers. Its platform enables financial institutions, including smaller firms that previously lacked access to advanced reporting solutions, to provide clients with aggregated, real-time portfolio information in a customizable, white-labeled format. Additionally, Performativ streamlines various processes such as regulatory reporting, KYC/AML compliance, fee verification, and performance monitoring. The platform is designed to be agnostic to existing back-office systems, offering flexibility through a state-of-the-art API, allowing investment firms to choose only the services that align with their business needs. Overall, Performativ aims to simplify complex tasks, enabling financial service providers to enhance their client offerings and improve operational efficiency.

Nexu operates a digital financing platform tailored for car dealerships. It employs artificial intelligence and automated statistical algorithms to facilitate real-time, paperless automotive loans for customers. The platform connects individuals seeking credit with financial institutions, streamlining the loan search process and enabling users to review offers at no cost.

Mattilda is a Mexican company focused on addressing financial challenges faced by schools in Mexico and Latin America. It offers a finance management platform that streamlines financial processes for parents and private educational institutions. The platform enables schools to advance tuition fees, ensuring a predictable cash flow and minimizing delays in payment. Additionally, it provides various flexible payment options for parents, allowing them to manage their finances more effectively. By offering automated collection management products and medium to long-term credit solutions, Mattilda supports schools in prioritizing their educational mission while enhancing their financial stability.

Constrafor is a technology company focused on the construction sector, providing a cloud-based platform designed to enhance productivity and financial management for general contractors and subcontractors. The platform simplifies and standardizes essential back-office tasks, such as subcontractor procurement, contract management, invoice processing, and diversity procurement, all within a single interface. For general contractors, Constrafor facilitates efficient interactions with subcontractors by managing bids, deadlines, and communication with suppliers. Subcontractors benefit from features like fast receivables financing through an Early Pay Program, which accelerates payment cycles and improves cash flow, enabling them to take on additional projects. By integrating these functionalities, Constrafor aims to revolutionize the construction industry's procurement processes.

Qlub offers a fast and secure payment solution designed specifically for the restaurant industry. Its platform enables restaurant, pub, and cafe owners to display their menus and accept payments in seconds. Customers can pay their bills quickly by scanning a QR code, allowing for a seamless transaction that takes about 10 seconds, all without the need to install an app or register. This efficiency enhances the dining experience for customers while improving workflow for staff, ultimately creating a more enjoyable atmosphere for all.

Mauve operates as a decentralized exchange with the compliance of traditional finance.

minu is revolutionizing the financial health of Mexican employees, offering them access to their already worked salary when they need it, instead of having to wait for payroll. The company works with HR divisions of companies that offer the provision of minu to improve satisfaction, retention, and attraction of talent. minu is supported by FinTech's leading institutional investors globally, including QED.

Anyfin AB is a financial technology company based in Stockholm, Sweden, founded in 2017. It offers a loan refinancing platform that helps users improve the terms and rates of their existing loans. The company utilizes artificial intelligence and mobile technology, allowing users to refinance by simply taking a photo of their loan statements. By leveraging consumer data and payment history, Anyfin aims to help clients, particularly those with good credit ratings, reduce their interest costs without extending their repayment periods. The company focuses on providing fair and transparent financial services, initially addressing high interest and fees associated with loans and credit cards. Since its inception, Anyfin has expanded its offerings to include tools for tracking subscriptions and budgeting, enhancing users' overall financial management and encouraging better financial futures.

Mondu is a technology company that develops software for B2B payments. Its core product is a buy-now-pay-later platform designed specifically for businesses, offering flexible payment terms such as net terms and split payments without the usual financial or operational complexities. This solution enables B2B marketplaces and merchants to facilitate sustained growth by providing their customers with more convenient payment options.

9 of 10 founders don’t have a background in sales. 2 of 3 struggle to scale up sales beyond their existing network. Building a team is too expensive. No time or skills to do it yourself. Vendi AI is your sales superpower, giving you full access to your entire market, ensures you know everything to win every deal and makes you take the right action at the right time. Vendi's superpowers unlock the true potential of founders.

ORDA is a cloud-based restaurant operating system built for African chefs and food business owners. ORDA's ePos, integrations, and lending solutions enable Africa’s millions of food business owners to scale and grow their business. The company was founded in 2020 and is based in Lagos, Nigeria.

Mattilda is a Mexican company focused on addressing financial challenges faced by schools in Mexico and Latin America. It offers a finance management platform that streamlines financial processes for parents and private educational institutions. The platform enables schools to advance tuition fees, ensuring a predictable cash flow and minimizing delays in payment. Additionally, it provides various flexible payment options for parents, allowing them to manage their finances more effectively. By offering automated collection management products and medium to long-term credit solutions, Mattilda supports schools in prioritizing their educational mission while enhancing their financial stability.

Sigma360 is a risk decisioning software platform founded in 2016 and headquartered in Manhattan, New York. Developed at MIT, the platform leverages artificial intelligence to optimize screening and monitoring processes across extensive external data sources. It is designed to assist firms in identifying, screening, monitoring, and reviewing clients and their relationships using a comprehensive cloud-native risk intelligence database. Sigma360's solutions include adverse media screening, sanctions and watchlist screening, and enhanced due diligence, all aimed at improving the efficiency of compliance teams and investigation firms. The leadership team brings over 50 years of combined experience, with expertise spanning computer science, law, and government, further enhancing the platform's capabilities in risk assessment and management.

GoGoPool is a developer of a decentralized staking protocol platform that focuses on simplifying the launch of subnets on the blockchain. The company offers tools designed to facilitate the creation of the subnet economy, addressing the challenges entrepreneurs encounter when establishing the necessary infrastructure. By enabling users to stake their tokens, GoGoPool allows them to participate in the verification of transactions on the network, while also earning rewards for their contributions. Through its innovative platform, GoGoPool aims to enhance accessibility and efficiency in the decentralized ecosystem.

ORDA is a cloud-based restaurant operating system built for African chefs and food business owners. ORDA's ePos, integrations, and lending solutions enable Africa’s millions of food business owners to scale and grow their business. The company was founded in 2020 and is based in Lagos, Nigeria.

CapIntel Inc. is a financial technology company based in Toronto, Canada, founded in 2017. It develops an online platform designed to enhance financial advisory services, utilized by over 12,000 financial advisors and asset management sales teams across North America. The platform integrates investment analytics with collaborative tools, facilitating better communication between asset managers and advisors, and improving the overall client experience. By enabling financial advisors to build client portfolios, compare fund performance, and create easily comprehensible proposals, CapIntel enhances advisors' confidence in communicating investment options to their clients. The company's solutions aim to increase sales for both advisors and asset managers, positioning CapIntel as a leading sales platform in the financial advisory sector.

Constrafor is a technology company focused on the construction sector, providing a cloud-based platform designed to enhance productivity and financial management for general contractors and subcontractors. The platform simplifies and standardizes essential back-office tasks, such as subcontractor procurement, contract management, invoice processing, and diversity procurement, all within a single interface. For general contractors, Constrafor facilitates efficient interactions with subcontractors by managing bids, deadlines, and communication with suppliers. Subcontractors benefit from features like fast receivables financing through an Early Pay Program, which accelerates payment cycles and improves cash flow, enabling them to take on additional projects. By integrating these functionalities, Constrafor aims to revolutionize the construction industry's procurement processes.

Mondu is a technology company that develops software for B2B payments. Its core product is a buy-now-pay-later platform designed specifically for businesses, offering flexible payment terms such as net terms and split payments without the usual financial or operational complexities. This solution enables B2B marketplaces and merchants to facilitate sustained growth by providing their customers with more convenient payment options.

Pemo is a comprehensive spend management solution designed to streamline financial processes for small and medium enterprises in the MENAP region. The platform integrates various functionalities, including smart corporate cards, invoice payment systems, and expense tracking, to provide businesses with total visibility and control over their expenditures. By incorporating automated approval workflows, direct accounting integration, and real-time reporting, Pemo enables business owners to efficiently manage invoices and expenses, ultimately saving time and reducing administrative burdens. This empowers organizations to focus on their core operations while maintaining effective financial oversight.

FUEL is a platform that empowers creators to launch, manage, and grow their own NFT collections through a variety of user-friendly tools. It offers an NFT-enabled shop-building solution that allows creators to develop and control their brand's website without requiring technical expertise. By providing the means to establish fully-customized NFT shops independent of aggregator platforms, FUEL helps creators unlock new revenue streams and foster deeper connections with their audiences.

IMMO is a technology-driven residential real estate platform that focuses on creating high-quality portfolios of existing single-family rental housing across Europe. Established in 2017, the company offers a comprehensive end-to-end solution for institutional partners that includes sourcing, acquisition, portfolio management, lettings, and property management. IMMO's objective is to enhance performance and maximize returns for its clients by streamlining the real estate investment process. The company leverages advanced technology to identify and assess residential investment opportunities, acquiring properties directly from consumers to ensure a seamless experience. With a team of over 130 professionals boasting backgrounds from prominent firms such as McKinsey, Goldman Sachs, and Amazon, IMMO has built a substantial presence in the UK, Germany, Spain, and India. It has been recognized as a "Tech Pioneer" by the World Economic Forum for its innovative approach in the real estate sector.

Violet is a blockchain protocol developed on the Ethereum platform that aims to create a crypto-native identity network. The protocol facilitates the connection between off-chain and on-chain identities, ensuring the composability of identities across the decentralized finance (DeFi) ecosystem. By addressing the issue of data fragmentation, Violet enables users to enhance their access to decentralized markets. Through its innovative identity orchestration approach, the company seeks to streamline identity management within the increasingly complex landscape of blockchain applications.

FUEL is a platform that empowers creators to launch, manage, and grow their own NFT collections through a variety of user-friendly tools. It offers an NFT-enabled shop-building solution that allows creators to develop and control their brand's website without requiring technical expertise. By providing the means to establish fully-customized NFT shops independent of aggregator platforms, FUEL helps creators unlock new revenue streams and foster deeper connections with their audiences.

Simetrik INC is a company based in Bogotá, Colombia, specialized in providing verification services for transactional data. Founded in 2017, it offers big data solutions that enhance financial control and automate processes for corporate clients. Simetrik's platform enables businesses to reconcile diverse sources of information, regardless of their origin or format, ensuring accuracy and reducing operational costs. Utilizing a No Code/Low Code approach, the company empowers finance and operations teams to customize and maintain automated solutions across various use cases and geographic locations. With a robust, secure big data infrastructure, Simetrik manages high data volumes, mitigating compliance and reputational risks. The company processes $75 billion in total payment volume annually and serves a notable client base, which includes major financial entities like Mercado Pago and Bancolombia.

Stables is a company that develops a digital wallet aimed at enhancing financial accessibility and transparency through the use of stablecoins. By providing a platform that integrates everyday financial activities, Stables allows users to save, spend, and earn on a single balance, facilitating seamless transactions with digital assets. The company's focus is on promoting economic alignment and fairness within the financial system, enabling clients to manage their funds by adding or withdrawing money at their convenience. Ultimately, Stables seeks to replace traditional banking methods with a more modern and efficient approach to personal finance.

Devron is a data science product platform established in 2020 by Kartik Chopra in North Brunswick, New Jersey. The company aims to democratize machine learning across distributed data silos by utilizing federated machine learning and advanced privacy technologies. This approach allows users to access and analyze data in its original location, mitigating the costs, time, and risks associated with duplicating data in centralized storage. By facilitating direct access to data, Devron enables clients to accelerate their decision-making processes and enhance the generalizability of their models, all while upholding the privacy of the underlying data sources and methodologies.

CoinLedger is a financial services company focused on tax reporting and investment management within the cryptocurrency sector. It offers specialized tax reporting software specifically designed to assist users in calculating capital gains taxes related to digital assets. The software aims to streamline the tax process for cryptocurrency users by efficiently calculating trading gains and generating comprehensive tax reports. By addressing the complexities of cryptocurrency taxation, CoinLedger helps traders and investors navigate the challenges associated with investing in and utilizing cryptocurrencies.

Qlub offers a fast and secure payment solution designed specifically for the restaurant industry. Its platform enables restaurant, pub, and cafe owners to display their menus and accept payments in seconds. Customers can pay their bills quickly by scanning a QR code, allowing for a seamless transaction that takes about 10 seconds, all without the need to install an app or register. This efficiency enhances the dining experience for customers while improving workflow for staff, ultimately creating a more enjoyable atmosphere for all.

The Graph is an indexing protocol that facilitates querying data from decentralized networks such as Ethereum and IPFS, serving as a vital component of the Web3 ecosystem. It allows developers to create and publish open APIs, known as subgraphs, which applications can access using GraphQL to retrieve blockchain data. Currently, The Graph provides a hosted service to simplify the development process, with plans to launch a decentralized network. It supports data indexing from Ethereum, IPFS, and POA, with additional networks anticipated in the future. As of now, thousands of developers have deployed over 3,000 subgraphs for decentralized applications, including prominent projects like Uniswap, Synthetix, and Decentraland. The platform has experienced significant growth in usage, highlighting its role in powering the decentralized web.

Boto is a no-code automation platform based in Delaware City, USA, founded in 2021. The company enables both developers and non-developers to create and share automated processes, or bots, specifically for activities related to cryptocurrency, NFTs, blockchain, and decentralized finance (DeFi). Boto's user-friendly interface allows users to build automations by dragging and dropping blocks, facilitating the creation of smart contracts through a visual interface. This approach leverages real-world input data and output actions via Chainlink, making complex automation tasks accessible to users without traditional coding skills.

NYDIG is a technology and financial services firm dedicated to Bitcoin for institutions, private clients, and banks. The firm offers asset management, derivatives, financing, custody, and execution services. NYDIG's platform satisfies the highest regulatory, audit, and governance standards.

Extend Enterprises, Inc., founded in 2017 and based in New York, offers a peer-to-peer software as a service platform designed to facilitate the use of virtual credit cards. The company provides digital payment infrastructure that empowers financial institutions to deliver modern card experiences. Extend's offerings include a suite of aggregated virtual card APIs, a digital corporate card application, and a pioneering card tokenization service. This platform allows businesses to issue unique digital credit cards to employees, contractors, and freelancers, each with specific spending limits and expiration dates. By enhancing core financial processes, Extend enables organizations to streamline spend management while maintaining relationships with trusted banks.

Tulip Protocol decentralized application designed to allow the vault strategies to compound frequently. They provide an investment with risk rewards for any DeFi user. Their protocol offers three types of yield products, vaults, lending, and leveraged farming.

Sublime Finance is a decentralized lending platform focused on democratizing access to credit. It allows borrowers to obtain loans based on their digital identities and on-chain histories, utilizing social identities and reputations to facilitate undercollateralized lending. This innovative approach enables users to leverage their digital profiles to access financial resources, making credit more accessible to a broader audience.

Mondu is a technology company that develops software for B2B payments. Its core product is a buy-now-pay-later platform designed specifically for businesses, offering flexible payment terms such as net terms and split payments without the usual financial or operational complexities. This solution enables B2B marketplaces and merchants to facilitate sustained growth by providing their customers with more convenient payment options.

Anyfin AB is a financial technology company based in Stockholm, Sweden, founded in 2017. It offers a loan refinancing platform that helps users improve the terms and rates of their existing loans. The company utilizes artificial intelligence and mobile technology, allowing users to refinance by simply taking a photo of their loan statements. By leveraging consumer data and payment history, Anyfin aims to help clients, particularly those with good credit ratings, reduce their interest costs without extending their repayment periods. The company focuses on providing fair and transparent financial services, initially addressing high interest and fees associated with loans and credit cards. Since its inception, Anyfin has expanded its offerings to include tools for tracking subscriptions and budgeting, enhancing users' overall financial management and encouraging better financial futures.

Coinshift is a company that offers a comprehensive treasury management platform tailored for businesses and decentralized autonomous organizations to efficiently manage their crypto assets. The platform facilitates collaboration among users, allowing for transaction approvals and mass payouts. It encompasses various services, including cash management, asset management, risk management, and reporting, ensuring a holistic approach to treasury operations. Additionally, Coinshift enables users to securely oversee their digital assets through a system characterized by privacy and data encryption. This platform also supports the diversification of idle treasury funds into various decentralized financial protocols, enhancing the management and allocation of cryptocurrency resources.

Reserve Trust is a fintech trust company that holds a Federal Reserve master account, making it the first of its kind. The company specializes in B2B payment services, offering financial institutions and fintechs access to capabilities that were traditionally available only through correspondent and sponsor banks. Additionally, Reserve Trust develops financial payment software designed to securely store and transfer assets. This software is tailored to adapt to changing regulatory and market conditions, allowing businesses to innovate and create new products and services. Through its offerings, Reserve Trust aims to enhance the efficiency and security of financial transactions in the B2B sector.

Oxio is a connectivity platform based in Quebec, Canada, that was founded in 2017 by Marc-André Campagna and Francis Careau. The company operates as an internet service provider, offering customized internet packages designed to meet the diverse needs of its users. Oxio provides services with no contracts, including free installation, stable internet speeds, and the provision of necessary equipment such as modems and routers. By focusing on affordability and flexibility, Oxio aims to change the way individuals connect with their internet service provider, enhancing the overall customer experience in the telecommunications sector.

Coincover is a technology company specializing in cryptocurrency insurance and protection services designed to safeguard digital assets from theft, loss, and human error. The company offers a range of services that ensure the security and accessibility of crypto holdings, including Cryptocurrency Theft cover, which protects users against various cyber threats such as hacking and phishing. In the event of a theft, Coincover guarantees a fast retrieval of the full value of the lost funds, with no deductibles. Additionally, the Deposit Protection Guarantee ensures that users can maintain access to their cryptocurrency even in cases of lost passwords or device failures. Coincover also provides a Transaction Checker that monitors transactions in real-time, identifying and flagging any suspicious activity to prevent potential theft. Through these comprehensive solutions, Coincover aims to provide users with peace of mind regarding their digital currency investments.

Willa Inc. is a fintech startup established in 2019, based in Venice, California, with additional offices in Stockholm, Sweden, and Los Angeles, California. The company specializes in designing a payment process tailored for the freelance and influencer communities, addressing the critical issue of timely payments. Willa's platform simplifies payment management by informing users of their expected earnings for tasks performed, while also handling contract agreements and necessary paperwork with corporations. This approach enables freelancers to achieve predictable income, manage their bills effectively, and safeguard their credit scores, thereby alleviating some of the significant challenges faced by professionals in the gig economy.

Ocrolus Inc. is a document automation platform that specializes in automating manual data work for the financial sector. Founded in 2014 and based in New York, the company offers an intelligent automation platform that analyzes financial documents to streamline processes such as loan underwriting, account openings, and auditing. By leveraging artificial intelligence and crowdsourcing, Ocrolus enables clients to capture data from various sources, including e-statements and scanned documents, while also conducting algorithmic checks alongside reviews by fraud specialists. This approach enhances data verification, improves fraud detection, and allows for in-depth cash flow analysis. Serving prominent customers in the fintech, mortgage, and banking industries, Ocrolus empowers financial services firms to make high-quality decisions efficiently and with trusted data.

Constrafor is a technology company focused on the construction sector, providing a cloud-based platform designed to enhance productivity and financial management for general contractors and subcontractors. The platform simplifies and standardizes essential back-office tasks, such as subcontractor procurement, contract management, invoice processing, and diversity procurement, all within a single interface. For general contractors, Constrafor facilitates efficient interactions with subcontractors by managing bids, deadlines, and communication with suppliers. Subcontractors benefit from features like fast receivables financing through an Early Pay Program, which accelerates payment cycles and improves cash flow, enabling them to take on additional projects. By integrating these functionalities, Constrafor aims to revolutionize the construction industry's procurement processes.

Balancer Labs, Inc., established in 2018, is a U.S.-based company that operates a decentralized finance exchange. It specializes in providing a platform for programmable liquidity, enabling users to create and manage self-balancing index funds or invest in others' without the need for deposits, bids/asks, or order management. Balancer Labs also functions as a non-custodial portfolio manager, liquidity provider, and price sensor within this decentralized ecosystem.

NYDIG is a technology and financial services firm dedicated to Bitcoin for institutions, private clients, and banks. The firm offers asset management, derivatives, financing, custody, and execution services. NYDIG's platform satisfies the highest regulatory, audit, and governance standards.

minu is revolutionizing the financial health of Mexican employees, offering them access to their already worked salary when they need it, instead of having to wait for payroll. The company works with HR divisions of companies that offer the provision of minu to improve satisfaction, retention, and attraction of talent. minu is supported by FinTech's leading institutional investors globally, including QED.

Parkside is a company focused on facilitating global access to US stocks by leveraging regulatory innovation and advanced technology. Its mission is to enable individuals from around the world, particularly in Asia, to invest in US equities using their local currencies and without minimum investment requirements. By simplifying the investment process, Parkside aims to democratize access to the US stock market for a broader audience.

Devron is a data science product platform established in 2020 by Kartik Chopra in North Brunswick, New Jersey. The company aims to democratize machine learning across distributed data silos by utilizing federated machine learning and advanced privacy technologies. This approach allows users to access and analyze data in its original location, mitigating the costs, time, and risks associated with duplicating data in centralized storage. By facilitating direct access to data, Devron enables clients to accelerate their decision-making processes and enhance the generalizability of their models, all while upholding the privacy of the underlying data sources and methodologies.

OXIO is a pioneering telecom-as-a-service (TAAS) platform that specializes in unbundling mobile telecom infrastructure for brands and enterprises. By leveraging a 100 percent cloud-based solution, OXIO integrates the wireless infrastructure of multiple providers, allowing for the creation of customized, asset-light networks that can be deployed rapidly. This innovative B2B SaaS platform empowers brands with comprehensive control over their wireless experiences, providing actionable intelligence that enhances customer engagement and drives tangible results. OXIO's approach enables brands to access mobile data previously confined within telecom silos, fostering closer connections with their customers. The company is headquartered in New York and maintains offices in Mexico City and Montreal, Canada.

Centrifuge Inc. is a technology company that develops a decentralized blockchain-based platform aimed at enhancing the global financial supply chain. Founded in 2017 and headquartered in San Francisco, California, with an additional office in Berlin, Germany, Centrifuge provides a secure and privacy-preserving protocol for the peer-to-peer exchange of financial documents. The platform enables businesses to transact while retaining ownership of critical data, including company details and transaction histories. By allowing asset managers to tokenize and manage their funds on-chain, Centrifuge facilitates better access for investors to a diversified portfolio of high-quality tokenized assets. The company's operating system supports third-party service providers in creating applications and functionalities that interact with financial data, thereby fostering economic opportunity and enhancing transactional efficiency within the financial ecosystem.

Sigma360 is a risk decisioning software platform founded in 2016 and headquartered in Manhattan, New York. Developed at MIT, the platform leverages artificial intelligence to optimize screening and monitoring processes across extensive external data sources. It is designed to assist firms in identifying, screening, monitoring, and reviewing clients and their relationships using a comprehensive cloud-native risk intelligence database. Sigma360's solutions include adverse media screening, sanctions and watchlist screening, and enhanced due diligence, all aimed at improving the efficiency of compliance teams and investigation firms. The leadership team brings over 50 years of combined experience, with expertise spanning computer science, law, and government, further enhancing the platform's capabilities in risk assessment and management.

NYDIG is a technology and financial services firm dedicated to Bitcoin for institutions, private clients, and banks. The firm offers asset management, derivatives, financing, custody, and execution services. NYDIG's platform satisfies the highest regulatory, audit, and governance standards.

Oyster Financial, established in 2018 and headquartered in San Francisco with offices in Mexico City and Kathmandu, specializes in providing financial management solutions for freelancers, startups, and small to medium-sized enterprises. The company's online application streamlines financial tasks, offering features such as a Mastercard debit card, fee-free fund transfers, bill payment services, invoice management, and real-time transaction updates. By simplifying financial management, Oyster empowers businesses to make informed decisions and focus on growth.

Fondeadora is a digital banking service founded in 2018 and headquartered in Mexico City, Mexico. The company aims to address the inefficiencies of traditional banking by offering a free debit card linked to a user-friendly mobile app. This platform allows users to pay, store, and manage their money without the complications often associated with conventional banking systems. In addition to basic banking functions, Fondeadora operates as a crowdfunding platform, enabling customers and businesses to monitor their expenses, receive immediate notifications, and raise funds securely. This innovative approach enhances financial management for its users while eliminating unnecessary fees and paperwork.

IMMO is a technology-driven residential real estate platform that focuses on creating high-quality portfolios of existing single-family rental housing across Europe. Established in 2017, the company offers a comprehensive end-to-end solution for institutional partners that includes sourcing, acquisition, portfolio management, lettings, and property management. IMMO's objective is to enhance performance and maximize returns for its clients by streamlining the real estate investment process. The company leverages advanced technology to identify and assess residential investment opportunities, acquiring properties directly from consumers to ensure a seamless experience. With a team of over 130 professionals boasting backgrounds from prominent firms such as McKinsey, Goldman Sachs, and Amazon, IMMO has built a substantial presence in the UK, Germany, Spain, and India. It has been recognized as a "Tech Pioneer" by the World Economic Forum for its innovative approach in the real estate sector.

Avise is a developer of business software that focuses on simplifying the accounting process for organizations. The company offers enterprise resource planning (ERP) solutions and supplemental accounting tools that enhance accounting workflows and integrate with the general ledger. Its cloud-native platform serves as a modern finance ecosystem, centralizing schedule-based workflows and enabling automation and collaboration. By leveraging Avise's innovative accounting software, businesses can streamline their financial operations and drive growth effectively.

Minka is a developer of open banking cloud software focused on enhancing the financial experience for users. The company's platform enables rapid interbank transactions, supports mobile wallets, and manages online tax collection. Additionally, it facilitates transfers of digital currencies and cryptocurrencies, allowing financial institutions to process transactions efficiently. Minka's technology not only streamlines transaction processes but also empowers financial organizations to create and launch new products, ultimately improving how individuals and businesses interact with their finances.

Anyfin AB is a financial technology company based in Stockholm, Sweden, founded in 2017. It offers a loan refinancing platform that helps users improve the terms and rates of their existing loans. The company utilizes artificial intelligence and mobile technology, allowing users to refinance by simply taking a photo of their loan statements. By leveraging consumer data and payment history, Anyfin aims to help clients, particularly those with good credit ratings, reduce their interest costs without extending their repayment periods. The company focuses on providing fair and transparent financial services, initially addressing high interest and fees associated with loans and credit cards. Since its inception, Anyfin has expanded its offerings to include tools for tracking subscriptions and budgeting, enhancing users' overall financial management and encouraging better financial futures.

Rainbow is a mobile app of Ethereum wallet for managing your assets.

Underline Infrastructure operates as a full-service solution to deliver an open-access fiber network. Its full-service offering accelerates deployment reduces the burden on local governments and provides an option for community ownership where desired.

Antler, established in 2017 and headquartered in Singapore, is an early-stage venture capital firm focused on investing in technology companies. It supports exceptional founders from day one, providing access to a global network of co-founders, talent, advisors, and expansion support, along with capital. Antler's funds, including Antler UK Fund and Antler India Fund, target various sectors such as information technology, climate tech, healthtech, software, energy services, and SaaS, with investments ranging from USD 0.2 to 0.4 million.

Flutterwave Inc. is a financial technology company that offers comprehensive payment solutions for businesses globally. Founded in 2014 and headquartered in San Francisco, California, Flutterwave provides a range of services, including Flutterwave Checkout for processing payments via web and mobile, and a Flutterwave API for creating and managing virtual cards. The platform also includes tools for invoicing, allowing businesses to create professional invoices and track payments, as well as payment links for easy collection from customers. Serving various industries such as gaming, events, transportation, and hospitality, Flutterwave aims to simplify payment infrastructure by connecting merchants with local and international card schemes and bank accounts, ensuring secure and efficient payment processing.

REBEL is a data, tech and analytics-driven online platform led by technology and finance entrepreneurs. Founded in 2016, REBEL offers its customers fast, easy and trust-worthy credit of up to 50,000 reais for up to 24 months at interest rates as low as 2.9% per month. In addition, REBEL offers consumers free access to its proprietary REBEL Score, a credit score designed to transparently explain an individual’s credit profile and to suggest actionable steps to improve financial health.

Centrifuge Inc. is a technology company that develops a decentralized blockchain-based platform aimed at enhancing the global financial supply chain. Founded in 2017 and headquartered in San Francisco, California, with an additional office in Berlin, Germany, Centrifuge provides a secure and privacy-preserving protocol for the peer-to-peer exchange of financial documents. The platform enables businesses to transact while retaining ownership of critical data, including company details and transaction histories. By allowing asset managers to tokenize and manage their funds on-chain, Centrifuge facilitates better access for investors to a diversified portfolio of high-quality tokenized assets. The company's operating system supports third-party service providers in creating applications and functionalities that interact with financial data, thereby fostering economic opportunity and enhancing transactional efficiency within the financial ecosystem.

MoneyLion, Inc. is a mobile banking and financial membership platform based in Sandy, Utah, incorporated in 2013. The company provides an all-in-one mobile banking solution that includes services for banking, lending, and investment. Utilizing analytics and machine learning technology, MoneyLion offers personalized financial advice and streamlined underwriting by gaining a comprehensive view of users' finances. Its platform encourages positive financial behaviors through a built-in rewards system that promotes better financial outcomes. By delivering convenient and low-cost access to various financial services, MoneyLion aims to empower individuals to take control of their financial well-being through its innovative digital platform.

Ocrolus Inc. is a document automation platform that specializes in automating manual data work for the financial sector. Founded in 2014 and based in New York, the company offers an intelligent automation platform that analyzes financial documents to streamline processes such as loan underwriting, account openings, and auditing. By leveraging artificial intelligence and crowdsourcing, Ocrolus enables clients to capture data from various sources, including e-statements and scanned documents, while also conducting algorithmic checks alongside reviews by fraud specialists. This approach enhances data verification, improves fraud detection, and allows for in-depth cash flow analysis. Serving prominent customers in the fintech, mortgage, and banking industries, Ocrolus empowers financial services firms to make high-quality decisions efficiently and with trusted data.

Anyfin AB is a financial technology company based in Stockholm, Sweden, founded in 2017. It offers a loan refinancing platform that helps users improve the terms and rates of their existing loans. The company utilizes artificial intelligence and mobile technology, allowing users to refinance by simply taking a photo of their loan statements. By leveraging consumer data and payment history, Anyfin aims to help clients, particularly those with good credit ratings, reduce their interest costs without extending their repayment periods. The company focuses on providing fair and transparent financial services, initially addressing high interest and fees associated with loans and credit cards. Since its inception, Anyfin has expanded its offerings to include tools for tracking subscriptions and budgeting, enhancing users' overall financial management and encouraging better financial futures.

Extend Enterprises, Inc., founded in 2017 and based in New York, offers a peer-to-peer software as a service platform designed to facilitate the use of virtual credit cards. The company provides digital payment infrastructure that empowers financial institutions to deliver modern card experiences. Extend's offerings include a suite of aggregated virtual card APIs, a digital corporate card application, and a pioneering card tokenization service. This platform allows businesses to issue unique digital credit cards to employees, contractors, and freelancers, each with specific spending limits and expiration dates. By enhancing core financial processes, Extend enables organizations to streamline spend management while maintaining relationships with trusted banks.

Vestwell is a developer of a digital savings platform focused on creating retirement plans for employees. The company provides automated retirement investing options tailored for registered investment advisers (RIAs), ensuring compliance with relevant rules and regulations. By streamlining the process of defined contributions for companies and their employees, Vestwell enables advisers to effectively engage with their clients while facilitating automation in retirement planning.

Dharma Labs Inc. is a company based in San Francisco, California, that specializes in developing a suite of smart contracts and tools for the issuance and crowdfunding of debt on blockchain technology. Established in 2017, Dharma Labs provides a decentralized protocol that facilitates the origination, risk assessment, and underwriting of peer-to-peer loans, allowing for innovation in the lending industry. Its platform supports a variety of applications, enabling entrepreneurs to create lending companies that leverage blockchain capabilities for consumer lending, margin lending, and crowdfunding municipal bonds. By promoting open and permissionless development, Dharma Labs aims to transform traditional lending practices through its tokenized debt agreements.

Contabilizei is an online accounting service provider based in Curitiba, Brazil, founded in January 2014 by Fábio Bacarin and Vitor Torres. The company specializes in offering cost-effective and efficient accounting solutions tailored for small and micro enterprises. By leveraging a proprietary web and mobile-enabled platform, Contabilizei automates tax reporting and accounting processes, replacing traditional manual practices. This innovative approach simplifies the regulatory requirements for small and medium businesses, positively impacting the operations of thousands of clients.

Flutterwave Inc. is a financial technology company that offers comprehensive payment solutions for businesses globally. Founded in 2014 and headquartered in San Francisco, California, Flutterwave provides a range of services, including Flutterwave Checkout for processing payments via web and mobile, and a Flutterwave API for creating and managing virtual cards. The platform also includes tools for invoicing, allowing businesses to create professional invoices and track payments, as well as payment links for easy collection from customers. Serving various industries such as gaming, events, transportation, and hospitality, Flutterwave aims to simplify payment infrastructure by connecting merchants with local and international card schemes and bank accounts, ensuring secure and efficient payment processing.

Risk Labs is the foundation and core team behind the Across and UMA Protocols.

OXIO is a pioneering telecom-as-a-service (TAAS) platform that specializes in unbundling mobile telecom infrastructure for brands and enterprises. By leveraging a 100 percent cloud-based solution, OXIO integrates the wireless infrastructure of multiple providers, allowing for the creation of customized, asset-light networks that can be deployed rapidly. This innovative B2B SaaS platform empowers brands with comprehensive control over their wireless experiences, providing actionable intelligence that enhances customer engagement and drives tangible results. OXIO's approach enables brands to access mobile data previously confined within telecom silos, fostering closer connections with their customers. The company is headquartered in New York and maintains offices in Mexico City and Montreal, Canada.

Sigma360 is a risk decisioning software platform founded in 2016 and headquartered in Manhattan, New York. Developed at MIT, the platform leverages artificial intelligence to optimize screening and monitoring processes across extensive external data sources. It is designed to assist firms in identifying, screening, monitoring, and reviewing clients and their relationships using a comprehensive cloud-native risk intelligence database. Sigma360's solutions include adverse media screening, sanctions and watchlist screening, and enhanced due diligence, all aimed at improving the efficiency of compliance teams and investigation firms. The leadership team brings over 50 years of combined experience, with expertise spanning computer science, law, and government, further enhancing the platform's capabilities in risk assessment and management.

Fantail Ventures is a New York-based venture capital firm established in 2008 that focuses on investing in and advising early-stage companies. The firm specializes in sectors such as data and analytics, digital media, e-commerce, fintech, financial technologies, digital assets, automation, marketplaces, and wellness. By leveraging its expertise, Fantail Ventures aims to support innovative startups that are poised for growth in these dynamic industries.

MoneyLion, Inc. is a mobile banking and financial membership platform based in Sandy, Utah, incorporated in 2013. The company provides an all-in-one mobile banking solution that includes services for banking, lending, and investment. Utilizing analytics and machine learning technology, MoneyLion offers personalized financial advice and streamlined underwriting by gaining a comprehensive view of users' finances. Its platform encourages positive financial behaviors through a built-in rewards system that promotes better financial outcomes. By delivering convenient and low-cost access to various financial services, MoneyLion aims to empower individuals to take control of their financial well-being through its innovative digital platform.

Mighty Group Inc. operates an online marketplace designed to facilitate connections between litigants and attorneys in personal injury lawsuits. Founded in 2014 and based in New York City, the company provides a platform that includes communication tools for funders, enabling them to easily interact with plaintiffs and manage documentation. The platform also features a customer relationship management tool that assists personal injury law firms, medical providers, and financial service businesses in managing personal injury liens, tracking case status, payouts, and overall financial returns. Mighty aims to enhance access to justice for victims of personal injury cases by streamlining the management of legal and financial processes. The company has attracted funding from notable investors, including IA Ventures and Tribeca Venture Partners.

Vestwell is a developer of a digital savings platform focused on creating retirement plans for employees. The company provides automated retirement investing options tailored for registered investment advisers (RIAs), ensuring compliance with relevant rules and regulations. By streamlining the process of defined contributions for companies and their employees, Vestwell enables advisers to effectively engage with their clients while facilitating automation in retirement planning.

Neighborly Corporation is a San Francisco-based company that operates an online community investment marketplace, allowing individual retail investors to access the municipal bond market. This platform funds essential public projects, such as schools, parks, and infrastructure, enabling citizens to invest directly in their communities. Neighborly connects issuers with a diverse range of investors, facilitating ongoing investor relations and surveillance. Founded in 2012, Neighborly aims to democratize access to public finance, thereby enhancing community engagement in civic projects. Additionally, Neighborly, Inc., formerly known as The Dwyer Group, provides a wide array of residential and commercial restoration and cleaning services through its extensive network of franchises. With a history dating back to 1970, the company has grown to encompass 21 service-based brands across several countries, offering essential services including plumbing, HVAC, and home maintenance. Neighborly is committed to supporting franchisees and enhancing the quality of life for homeowners through affordable service solutions.

Axoni is a technology company specializing in real-time data replication solutions tailored for the financial industry. Established in 2017, it focuses on serving major financial institutions, including banks, asset managers, hedge funds, and market infrastructure firms worldwide, with offices located in New York and London. The company's platform facilitates the rapid and reliable deployment of critical financial networks, ensuring automated, real-time data replication among market participants. Additionally, Axoni develops distributed ledger software that integrates traditional financial technologies with blockchain capabilities, enhancing market information, trend analysis, and communication networks. This innovative approach allows financial entities to modernize their systems related to legal records, lifecycle events, and cash flow calculations, thereby improving operational efficiency and data management.

MoneyLion, Inc. is a mobile banking and financial membership platform based in Sandy, Utah, incorporated in 2013. The company provides an all-in-one mobile banking solution that includes services for banking, lending, and investment. Utilizing analytics and machine learning technology, MoneyLion offers personalized financial advice and streamlined underwriting by gaining a comprehensive view of users' finances. Its platform encourages positive financial behaviors through a built-in rewards system that promotes better financial outcomes. By delivering convenient and low-cost access to various financial services, MoneyLion aims to empower individuals to take control of their financial well-being through its innovative digital platform.

Vestwell is a developer of a digital savings platform focused on creating retirement plans for employees. The company provides automated retirement investing options tailored for registered investment advisers (RIAs), ensuring compliance with relevant rules and regulations. By streamlining the process of defined contributions for companies and their employees, Vestwell enables advisers to effectively engage with their clients while facilitating automation in retirement planning.