Credit card, rewards, and deposits all in one.
Koban is a fintech company that aims to reduce complexity and revolutionize the way money works in Latam. The majority of Latin Americans that remain unbanked and the existing banking customers deserve a better choice. They offer their users digital financial services that are easy to use, innovative and accessible to move, transact, save and understand money all in a highly secure digital platform. In Koban they put customers first. They are passionate about empowering people’s financial lives through technology and design and driven by their mission to promote financial inclusion in their countries.
Saks is assisting in the transformation of the way people save money. It provides accumulation plans and investment options in a model that incorporates recurrence, diversification, and tax advantages. They also serve as a marketplace for life and pension brokers.
Overnight Finance operates a protocol designed for asset management that focuses on providing passive yield products through delta-neutral strategies. Aimed at conservative stablecoin investors, the protocol offers a stablecoin called USD+, which is backed by a carefully managed decentralized finance (DeFi) portfolio. This approach emphasizes maximum liquidity and aims to minimize losses even over short timeframes, such as one day. Investors can exchange USD+ for USDC at their discretion, positioning the token as a secure asset supported by reserves in short-term U.S. Treasuries and fiat currencies. Overnight Finance's offerings enable investors to enhance their returns while maintaining a conservative risk profile.
Taptap Send is an app that lets immigrants send money back home to Africa instantly and at very low prices. Since launching in summer 2018, it has already moved tens of millions of dollars and reached tens of thousands of customers. It is live in seven European countries, and support payments into Senegal, Mali, Zambia, Ghana and the Ivory Coast, with more countries launching soon.
Ramp is a financial technology company founded in 2017 and based in Warsaw, Poland. It focuses on creating a seamless connection between open blockchain financial systems and traditional banking infrastructures. The company's platform enables enterprises, gaming companies, non-fungible token marketplaces, decentralized finance businesses, and digital wallets to facilitate fiat-crypto transactions for their users. By providing an integration that eliminates the need for trusted third parties, Ramp allows clients to easily engage in contracts and manage digital assets within their operations, thus enhancing accessibility and efficiency in the financial ecosystem.
Ledn is a financial services company focused on helping individuals save in digital assets. It offers a range of products, including a bitcoin-backed loan service that allows clients to access cash without selling their bitcoin. Additionally, Ledn provides a B2X product that enables users to instantly double their bitcoin holdings through a loan. The company also features interest-bearing savings accounts for bitcoin and USDC, which pay interest without requiring minimum deposits. By providing these services, Ledn aims to empower clients to grow their digital wealth while maintaining their cryptocurrency holdings.
Kafene is a startup focused on providing flexible payment solutions to consumers, particularly those who may face difficulties with traditional debt products. The company offers a range of financing options for various products, including furniture, appliances, electronics, musical instruments, and jewelry. Kafene's innovative approach allows consumers to return items without incurring residual debt if they can no longer make payments, promoting financial freedom. The platform leverages advanced technology, including app-based point-of-sale systems and artificial intelligence for underwriting, to deliver near-instantaneous approval and payment capabilities. This enables Kafene to serve a wide customer base across the full credit spectrum, facilitating access to essential goods while maintaining a commitment to responsible lending practices.
SaltPay is a FinTech company dedicated to building a better future for merchants by servicing them through payment and management tools. Focused on efficiency, technology, and people, they give merchants the help they need to grow.
SWAP is a company that focuses on transforming financial operations for businesses through innovative technology and a unique business model. It provides modular payment solutions via APIs, enabling clients to create comprehensive financial ecosystems that include services such as pre-paid cards, digital wallets, and various financial services. By facilitating secure integrations, SWAP's platform allows for seamless disbursement and collection of funds, bill payments, peer-to-peer transactions using QR codes, and prepaid cell phone recharging. This approach not only enhances the user experience but also enables companies to develop new revenue streams and expand their core services, effectively fostering an internal fintech environment.
Juni Technology AB is a fintech company based in Göteborg, Sweden, that specializes in developing a Software-as-a-Service banking application and platform tailored for e-commerce and online marketing entrepreneurs. Founded in 2020, Juni aims to empower digital entrepreneurs by providing tools that enhance decision-making and facilitate business growth. The platform is designed to help users optimize their operations and leverage the opportunities within the digital commerce landscape.
Ripio, previously known as Bitpagos, is a financial payments company that provides electronic payment solutions in Latin America, utilizing blockchain technology to enhance accessibility to financial services. The company caters to businesses by enabling them to process international transactions using credit cards and bitcoins at reduced costs. Additionally, Ripio allows consumers to purchase bitcoins instantly with cash. Its online cryptocurrency trading platform facilitates convenient trading in bitcoin through digital wallets, offering merchants the option to receive payments in local currency or bitcoins. The company also provides a credit line feature for financing payments in installments, serving clients across Argentina, Brazil, Chile, and Ecuador.
solarisBank AG develops a banking platform. Its platform enables startups, fintechs, and established digital companies to create custom solutions for their unique financial needs. The company also provides various compliant payment services, including e-money issuing and escrow solutions; support services for account creation and maintenance, and transaction services, as well as deposit and credit business. solarisBank AG is based in Berlin, Germany.
Kafene is a startup focused on providing flexible payment solutions to consumers, particularly those who may face difficulties with traditional debt products. The company offers a range of financing options for various products, including furniture, appliances, electronics, musical instruments, and jewelry. Kafene's innovative approach allows consumers to return items without incurring residual debt if they can no longer make payments, promoting financial freedom. The platform leverages advanced technology, including app-based point-of-sale systems and artificial intelligence for underwriting, to deliver near-instantaneous approval and payment capabilities. This enables Kafene to serve a wide customer base across the full credit spectrum, facilitating access to essential goods while maintaining a commitment to responsible lending practices.
Nubank issues, administrate, processes, and transfers payments related to post-paid credit cards and equity investment in other entities. It serves clients in Brazil. The company launched its proprietary loyalty rewards program ("Nubank Rewards"), as well as a digital account ("NuConta") that is already used by more than 17 million people. In Cristina Junqueira, David Velez, and Edward Wible founded EO2 Solucoes de Pagamento on May 6, 2013 that became Nubank in on June 25, 2013. It has its headquarters in São Paulo in Brazil.
Belvo Technologies, Inc. operates an open banking API platform that allows companies to access and interpret banking and financial information. Founded in 2020 and based in Dover, Delaware, Belvo's platform facilitates the retrieval of data such as bank account statements, historical transactions, account ownership verification, and tax information. By providing a developer-friendly interface, Belvo enables businesses in Latin America to create more efficient and inclusive financial products. Its comprehensive services streamline the process from client registration to data retrieval, helping businesses enhance their operations and explore new revenue opportunities within the open finance sector.
BXblue is a digital marketplace for personal loans in Brazil, focusing on pensioners and government workers who can secure loans against their guaranteed income. This model allows banks to deduct payments directly from paychecks, resulting in interest rates significantly lower than those of conventional credit cards. Payroll-secured loans are the most affordable personal loan option in Brazil, comprising 60% of the country's personal loan market, which is valued at approximately $40 billion annually and has historically operated offline. BXblue aims to transition this entire market online by providing a platform that simplifies the loan contracting process. The platform enables users to access multiple bank offers, receive alerts on falling interest rates for refinancing, and stay informed about important account updates, allowing borrowers to choose their preferred bank for loan services.
Rapyd Financial Network operates as a mobile financial network that offers a comprehensive fintech-as-a-service platform designed to facilitate various payment services. Founded in 2015 and headquartered in London, with additional offices in Singapore, Silicon Valley, and Tel Aviv, Rapyd provides a modular suite of services including funds collection, fund disbursements, eWallet management, compliance, foreign exchange, and card issuing. Its platform integrates local financial specialists globally, allowing ecommerce merchants, gig economy platforms, online lenders, and traditional banks to access multiple payment methods through a single API and SDK. This enables users to perform cash transactions easily, without the need for a bank account or card, thereby enhancing the financial infrastructure for diverse markets worldwide.
Credit card, rewards, and deposits all in one.
Conta Simples Soluções De Pagamentos Ltda is a Brazilian company based in São Paulo that specializes in providing digital banking solutions for small and medium-sized enterprises. Established in 2018, it offers a range of services, including the issuance of credit cards, processing of credit card transactions, and a mobile application designed to facilitate the management of multiple corporate cards. The company's primary product is a digital account tailored specifically for the needs of Brazilian businesses, addressing the unique challenges they face in managing their financial operations.
Klar is a fintech company founded in 2018 in Mexico City, offering a mobile app and a debit card that functions similarly to a credit card. Users benefit from a straightforward cash-back system, earning up to 4% on purchases without complicated points or expiration issues. The Klar card allows clients to send and receive payments instantly to their Klar accounts and other banks, enhancing its utility as a financial tool. The mobile app provides real-time tracking of all transactions, ensuring users have a clear view of their financial activities. Klar aims to provide secure and cost-effective alternatives to traditional banking services, catering specifically to the needs of Mexican customers.
Finom is a financial platform headquartered in Amsterdam, Netherlands, that offers a comprehensive suite of services tailored for entrepreneurs, self-employed individuals, and small to medium-sized enterprises. Launched in 2019, Finom integrates banking, accounting, invoicing, and expense management into a single mobile-first solution. This approach allows users to efficiently manage their finances directly from their smartphones, streamlining financial processes and enhancing productivity. By providing fast and simple online financial services, Finom aims to save time and reduce costs for early-stage businesses and SMEs.
SWAP is a company that focuses on transforming financial operations for businesses through innovative technology and a unique business model. It provides modular payment solutions via APIs, enabling clients to create comprehensive financial ecosystems that include services such as pre-paid cards, digital wallets, and various financial services. By facilitating secure integrations, SWAP's platform allows for seamless disbursement and collection of funds, bill payments, peer-to-peer transactions using QR codes, and prepaid cell phone recharging. This approach not only enhances the user experience but also enables companies to develop new revenue streams and expand their core services, effectively fostering an internal fintech environment.
Aprila Bank ASA is a commercial banking institution based in Oslo, Norway, specializing in providing financial services to small and medium-sized enterprises (SMEs). Founded in 2018, the bank focuses on developing digital and automated financing solutions tailored for SMEs. Its offerings include Aprila Invoice Sales, which allows businesses to sell invoices directly through integration with cloud-based accounting systems. The bank employs advanced machine learning models to assess credit risk and predict outcomes, utilizing real-time data alongside traditional credit information to facilitate seamless access to credit for its customers. Aprila Bank's technology platform connects with approximately 130,000 SMEs through partnerships with leading ERP and accounting providers, enhancing its ability to deliver innovative financial solutions.
Finom is a financial platform headquartered in Amsterdam, Netherlands, that offers a comprehensive suite of services tailored for entrepreneurs, self-employed individuals, and small to medium-sized enterprises. Launched in 2019, Finom integrates banking, accounting, invoicing, and expense management into a single mobile-first solution. This approach allows users to efficiently manage their finances directly from their smartphones, streamlining financial processes and enhancing productivity. By providing fast and simple online financial services, Finom aims to save time and reduce costs for early-stage businesses and SMEs.
Silverbird operates as a digital bank focused on facilitating international trade for small and medium-sized enterprises (SMEs). The company offers online banking services, global business accounts, and high-value cross-border payment solutions tailored for businesses engaged in global commerce. Utilizing advanced, data-driven know-your-client technology, Silverbird effectively onboards international SMEs, helping them become bankable in Europe and other markets. By collaborating with banks, regulators, payment networks, and trade finance firms, Silverbird aims to eliminate the complexities associated with international payments, thereby promoting smoother transactions and fostering growth in global trade. The platform collects and analyzes transactional data to verify legitimate businesses, ensuring secure and efficient international transfers between accounts.
Provider of banking and financial services intended to fund companies or offer credit based on their sales. The company provides a range of financial services including term loans, revenue-based financing, overdrafts, payments as well as analytics for businesses with zero equity dilution or personal guarantees, enabling clients to avail an alternative to venture capital or loan where repayments happen as a fixed percentage of future revenues.
Klar is a fintech company founded in 2018 in Mexico City, offering a mobile app and a debit card that functions similarly to a credit card. Users benefit from a straightforward cash-back system, earning up to 4% on purchases without complicated points or expiration issues. The Klar card allows clients to send and receive payments instantly to their Klar accounts and other banks, enhancing its utility as a financial tool. The mobile app provides real-time tracking of all transactions, ensuring users have a clear view of their financial activities. Klar aims to provide secure and cost-effective alternatives to traditional banking services, catering specifically to the needs of Mexican customers.
Clearbanc provides growth capital for web-enabled businesses through its 20-minute term sheet. The company offers fast, affordable growth capital to eCommerce and B2B/SaaS companies. Its investments range from $10K - $10M and its portfolio spans small businesses across the United States, Canada, and the United Kingdom to some of the fastest-growing consumer brands. Launched in 2015, Clearbanc uses proprietary underwriting technology to offer more capital at quicker speeds and more flexible terms than other financing alternatives.
Cuenca is a FinTech company based in San Francisco, California, that specializes in providing digital financial services. Established in 2016, Cuenca operates a mobile-based application that facilitates various banking functions, including bill payments for utilities such as mobile, electricity, and water. In addition to bill payment services, the platform offers online banking features that enable users to securely deposit and withdraw funds, access savings accounts with competitive interest rates, and obtain loans tailored to their financial needs. This comprehensive digital approach allows users to manage their finances conveniently and efficiently.
Aprila Bank ASA is a commercial banking institution based in Oslo, Norway, specializing in providing financial services to small and medium-sized enterprises (SMEs). Founded in 2018, the bank focuses on developing digital and automated financing solutions tailored for SMEs. Its offerings include Aprila Invoice Sales, which allows businesses to sell invoices directly through integration with cloud-based accounting systems. The bank employs advanced machine learning models to assess credit risk and predict outcomes, utilizing real-time data alongside traditional credit information to facilitate seamless access to credit for its customers. Aprila Bank's technology platform connects with approximately 130,000 SMEs through partnerships with leading ERP and accounting providers, enhancing its ability to deliver innovative financial solutions.
Raisin is a Berlin-based online financial marketplace established in 2012 that connects retail customers with banks throughout Europe, facilitating access to competitive deposit rates. The platform offers a variety of savings and investment products, including overnight flexible savings and long-term deposits, allowing users to choose from exclusive offerings by various financial institutions. By streamlining the investment process, Raisin enables individuals and businesses to manage their investments efficiently through a single interface. The primary objective of Raisin is to help savers find the best interest rates while expanding the deposit reach for partner banks.
Archblock, formerly known as TrustToken, Inc., operates a platform for creating asset-backed tokens that facilitate global buying and selling. Founded in 2017 and headquartered in San Francisco, the company aims to provide a seamless way to tokenize various assets, enabling the conversion of physical assets like gold into digital tokens. Its flagship product, TrueUSD, is a stablecoin that can be redeemed on a 1-for-1 basis for US dollars. Archblock employs a team with diverse backgrounds from prestigious institutions and companies, including Stanford, UC Berkeley, and major financial and tech firms. The platform is designed to align incentives among participants while ensuring compliance with fiduciary standards and creating a transparent audit trail of asset management.
Aprila Bank ASA is a commercial banking institution based in Oslo, Norway, specializing in providing financial services to small and medium-sized enterprises (SMEs). Founded in 2018, the bank focuses on developing digital and automated financing solutions tailored for SMEs. Its offerings include Aprila Invoice Sales, which allows businesses to sell invoices directly through integration with cloud-based accounting systems. The bank employs advanced machine learning models to assess credit risk and predict outcomes, utilizing real-time data alongside traditional credit information to facilitate seamless access to credit for its customers. Aprila Bank's technology platform connects with approximately 130,000 SMEs through partnerships with leading ERP and accounting providers, enhancing its ability to deliver innovative financial solutions.
Raisin is a Berlin-based online financial marketplace established in 2012 that connects retail customers with banks throughout Europe, facilitating access to competitive deposit rates. The platform offers a variety of savings and investment products, including overnight flexible savings and long-term deposits, allowing users to choose from exclusive offerings by various financial institutions. By streamlining the investment process, Raisin enables individuals and businesses to manage their investments efficiently through a single interface. The primary objective of Raisin is to help savers find the best interest rates while expanding the deposit reach for partner banks.
Klarna is a payment solutions provider that specializes in eCommerce, offering services for both consumers and merchants in several countries, including Sweden, Germany, Austria, Switzerland, and Norway. Founded in 2005 and headquartered in Stockholm, Klarna enables shoppers to select how and when to pay for their purchases through a variety of options such as card payments, direct banking, and installment plans. The company is particularly known for its "buy now, pay later" model, which allows consumers to finance retail purchases without interest over time. For merchants, Klarna provides a comprehensive suite of services that includes technology solutions, credit risk management, and customer administration, facilitating a streamlined shopping experience both online and in-store.
Fundbox, Inc. is a technology company based in San Francisco, California, with an additional office in Plano, Texas, that specializes in providing payment and credit solutions for small and mid-size businesses (SMBs). Founded in 2013, Fundbox operates an AI-driven cash flow management platform designed to streamline business payments and enhance credit network systems. By leveraging machine learning and deep data analytics, Fundbox offers invoice financing and lines of credit, enabling businesses to improve their cash flow by accelerating payments against outstanding invoices. This allows sellers of all sizes to enhance their average order volumes and close rates by providing more competitive payment terms to their SMB buyers, thereby disrupting the B2B commerce market.
Kiavi, formerly known as LendingHome, is a San Francisco-based company that provides mortgage financing services tailored for real estate investors. Founded in 2014, Kiavi specializes in offering a variety of short-term first-lien mortgage products, including fix-and-flip bridge loans and rental loans. The company's platform streamlines the loan process through advanced technology, making it accessible for both novice and experienced investors. Kiavi serves clients involved in purchasing residential properties, such as single-family homes and townhomes, while also focusing on properties that may undergo rehabilitation. Its services are available in several states, including Arizona, California, Michigan, Nevada, North Carolina, and Texas. The company also conducts comprehensive loan underwriting, assessing factors such as property value, equity coverage, and the borrower’s real estate experience.
Avanza Bank Holding AB, based in Stockholm, Sweden, specializes in online stock trading and investment services. The bank offers a range of financial products, including share and fund accounts, pension plans, endowment insurance, and various lending solutions such as mortgages and margin loans. It caters primarily to individual investors, professional traders, and corporate clients, providing them with decision support services and independent financial advice through its platforms, including the website Placera and the magazine Börsveckan. Avanza Bank is recognized for its competitive pricing, featuring the lowest fees for trading in Sweden, and has established itself as a leading niche bank with a substantial user base. Founded in 1999, the institution is dedicated to enhancing customer satisfaction and evolving its offerings to meet the needs of its clientele.