FJ Labs

Optifino is a fintech company that specializes in educating clients about the benefits of compounding and tax-efficient investments designed to last through generations. The firm focuses on transforming life insurance by enhancing transparency, protection, tax management, and liquidity. By bridging the gap between life insurance and investing, Optifino aims to provide innovative solutions that deliver value at every interaction, empowering customers to make informed financial decisions.

Chaiz operates as an online marketplace specializing in extended car warranties, addressing the financial burden of car repairs for many Americans. With a significant portion of the population unable to cover unexpected repair costs, extended warranties become essential for vehicle owners. Traditionally, these warranties were available only through call centers or in-person transactions, often at inflated prices due to middlemen involvement. Chaiz revolutionizes this process by allowing consumers to purchase warranties directly from protection providers through a streamlined digital platform. This not only enhances the shopping experience but also reduces costs by approximately 40%, making extended warranties more accessible and affordable for car owners.

Bondaval is a digital platform based in London that focuses on B2B credit security, aiming to transform traditional collateral-based instruments and trade credit insurance. Founded in 2020, Bondaval provides a more secure, capital-efficient, and cost-effective alternative to conventional methods such as bank guarantees. The platform allows for real-time issuance, amendment, renewal, and claims processing, enhancing the accessibility of credit security for businesses. By offering features like live risk monitoring, alerts, and streamlined claims handling, Bondaval enables companies to optimize their working capital and save time, ultimately supporting their growth by democratizing access to innovative credit solutions.

OCHO is a provider of insurance services focused on delivering affordable and fair auto insurance that supports credit building. The company offers policies with no down payments and reduced premiums, making it easier for customers to manage their finances. Additionally, OCHO's offerings include lower security deposits for renting and the elimination of deposits for utility services, allowing users to secure their assets at a competitive price. This approach aims to enhance financial accessibility for individuals while promoting responsible financial management.

Bondaval is a digital platform based in London that focuses on B2B credit security, aiming to transform traditional collateral-based instruments and trade credit insurance. Founded in 2020, Bondaval provides a more secure, capital-efficient, and cost-effective alternative to conventional methods such as bank guarantees. The platform allows for real-time issuance, amendment, renewal, and claims processing, enhancing the accessibility of credit security for businesses. By offering features like live risk monitoring, alerts, and streamlined claims handling, Bondaval enables companies to optimize their working capital and save time, ultimately supporting their growth by democratizing access to innovative credit solutions.

Hometree is a home energy services company focused on facilitating the transition to low-carbon living for homeowners. It provides a range of services including the installation, repair, and financing of renewable energy technologies and energy-efficient heating systems. Hometree aims to simplify the process of adopting sustainable home improvements by offering comprehensive home emergency insurance and maintenance coverage through convenient online subscription plans. This approach allows homeowners in the United Kingdom to manage their energy consumption effectively while ensuring that the entire lifecycle of energy solutions—from installation to ongoing maintenance—is comprehensively supported.

Onsi is a developer of an insurance and benefits platform that aims to enhance employee engagement and loyalty through a range of meaningful rewards and protections. The platform allows businesses to create programs that deliver various benefits to workers, including sick pay, family leave, financial guidance, and mental health support. By utilizing tiering and gamification strategies, Onsi helps companies achieve desired outcomes while providing employees with valuable resources to improve their financial well-being. This comprehensive approach not only supports workers but also aids businesses in reducing employee turnover and minimizing talent acquisition costs.

OCHO is a provider of insurance services focused on delivering affordable and fair auto insurance that supports credit building. The company offers policies with no down payments and reduced premiums, making it easier for customers to manage their finances. Additionally, OCHO's offerings include lower security deposits for renting and the elimination of deposits for utility services, allowing users to secure their assets at a competitive price. This approach aims to enhance financial accessibility for individuals while promoting responsible financial management.

Handdii, established in 2017 and headquartered in Melbourne, Australia, operates a technology platform that streamlines property insurance claims. It connects insurance companies with contractors, enabling swift repair of customers' trade-related claims. The platform enhances communication and transparency among insurers, customers, and contractors, aiming to simplify the traditionally complex claims process.

Bracket is a company that focuses on providing downside protection insurance for blue-chip assets while also developing a decentralized finance platform aimed at democratizing financial products. Their platform introduces innovative on-chain solutions for volatility trading, allowing investors to engage with financial leverage through an option-spread-like position based on a percentage of the spot price. Additionally, Bracket creates social and collaborative applications on the Force.com platform, enhancing user engagement and interaction. Through these offerings, Bracket seeks to provide investors with enhanced security and flexibility in their financial strategies.

Bennie is focused on enhancing access to employee benefits through its innovative software platform and brokerage services. The company simplifies the complexities of benefits management by connecting various systems within the benefits supply chain. Its user-friendly app offers features such as answers to benefits and claim inquiries, detailed plan information, insurance cards, and a marketplace for benefits. By streamlining these processes, Bennie aims to create a healthier workplace and improve overall accessibility for employees seeking better benefits. The team comprises industry experts from leading benefits firms, technology startups, and insurance carriers, all dedicated to helping individuals lead healthier lives.

Cleverea is a neoinsurer catering to the digital native generation, focusing on a B2B2C distribution model. The company partners with various entities, including neobanks, insurers, brokers, and airlines, to offer innovative insurance products. Cleverea manages the entire insurance value chain, encompassing underwriting, pricing, and claims handling. Its product offerings include travel insurance, urban micro-mobility insurance, and motorbike insurance, allowing retailers, fintech companies, telecom operators, and banks to integrate insurance solutions across multiple distribution channels.

OCHO is a provider of insurance services focused on delivering affordable and fair auto insurance that supports credit building. The company offers policies with no down payments and reduced premiums, making it easier for customers to manage their finances. Additionally, OCHO's offerings include lower security deposits for renting and the elimination of deposits for utility services, allowing users to secure their assets at a competitive price. This approach aims to enhance financial accessibility for individuals while promoting responsible financial management.

Bennie is focused on enhancing access to employee benefits through its innovative software platform and brokerage services. The company simplifies the complexities of benefits management by connecting various systems within the benefits supply chain. Its user-friendly app offers features such as answers to benefits and claim inquiries, detailed plan information, insurance cards, and a marketplace for benefits. By streamlining these processes, Bennie aims to create a healthier workplace and improve overall accessibility for employees seeking better benefits. The team comprises industry experts from leading benefits firms, technology startups, and insurance carriers, all dedicated to helping individuals lead healthier lives.

ViajaNet is an online travel agency based in São Caetano do Sul, Brazil, founded in 2009 by Alex Todres and Bob Rossato. The company specializes in providing a comprehensive range of travel services, including the sale of airline tickets, hotel accommodations, vacation packages, and travel insurance. ViajaNet's platform is designed to offer a user-friendly search experience, enabling customers to easily book their travel arrangements online. With a focus on competitive pricing, the agency caters to travelers across Brazil and Latin America, allowing them to access various travel options such as flights, hotels, cruises, and pre-assembled travel packages.

Hometree is a home energy services company focused on facilitating the transition to low-carbon living for homeowners. It provides a range of services including the installation, repair, and financing of renewable energy technologies and energy-efficient heating systems. Hometree aims to simplify the process of adopting sustainable home improvements by offering comprehensive home emergency insurance and maintenance coverage through convenient online subscription plans. This approach allows homeowners in the United Kingdom to manage their energy consumption effectively while ensuring that the entire lifecycle of energy solutions—from installation to ongoing maintenance—is comprehensively supported.

Toss is a South Korea-based mobile financial service platform developed by the fintech startup Viva Republica, established in 2011 by Seunggun Lee in Seoul. The platform offers a range of services aimed at simplifying financial management for users, including peer-to-peer money transfers, credit score management, and bank account oversight. Additionally, Toss provides access to loan and insurance plans, facilitates bill splitting, and supports QR payments. These features collectively enable users to handle their financial needs efficiently and conveniently.

Toss is a South Korea-based mobile financial service platform developed by the fintech startup Viva Republica, established in 2011 by Seunggun Lee in Seoul. The platform offers a range of services aimed at simplifying financial management for users, including peer-to-peer money transfers, credit score management, and bank account oversight. Additionally, Toss provides access to loan and insurance plans, facilitates bill splitting, and supports QR payments. These features collectively enable users to handle their financial needs efficiently and conveniently.

AkinovA Limited operates an independent electronic marketplace for the transfer and trading of reinsurance and insurance risks. Founded in 2017 and based in Marylebone, United Kingdom, AkinovA provides a digital platform that facilitates collaboration among brokers, capital market participants, and insurance providers. By enhancing the efficiency of the insurance value chain, the platform enables users to manage client relationships, capital, and risk more effectively. AkinovA collaborates with notable industry players, including Hiscox and MS&AD Insurance Group, as well as various venture capital firms specializing in InsurTech and FinTech. The company's focus is to streamline the trading process, reduce costs, and accelerate transactions within the insurance sector.

Madsky is a third-party administrative company focused on facilitating home repairs for homeowners affected by severe weather events. By acting as a liaison among homeowners, contractors, suppliers, vendors, and insurance companies, Madsky streamlines the restoration process. The company boasts a robust network of over 3,000 certified roofing contractors and more than 3,600 suppliers and vendors across the United States. Madsky offers a range of services including contracting, managed repair programs, and material purchases, ensuring clients receive efficient and reliable support. Homeowners benefit from a five-year workmanship warranty on repairs performed by Madsky-referred contractors, enhancing their peace of mind. The company's proprietary Frictionless Customer Experience (FCX) claim management system further optimizes the restoration process, addressing inefficiencies that often plague traditional approaches. Founded by Chris Nussbeck, who has over three decades of experience in the roofing and storm restoration industry, Madsky aims to provide a more automated and personalized solution to home repair challenges, responding to the increasing frequency and severity of weather-related damage.

KNØX is a digital asset custody provider that focuses on ensuring the safekeeping of clients' holdings through comprehensive insurance coverage. The company offers a secure end-to-end system that allows institutional clients to manage their digital assets via a dedicated terminal. By employing actuarial principles and precise engineering, KNØX is designed to meet the fiduciary obligations of institutions while blending simplicity with high-security measures. The insurance protection for client assets adheres to the full terms and conditions of the policy, ensuring that clients' investments are safeguarded effectively.

Hometree is a home energy services company focused on facilitating the transition to low-carbon living for homeowners. It provides a range of services including the installation, repair, and financing of renewable energy technologies and energy-efficient heating systems. Hometree aims to simplify the process of adopting sustainable home improvements by offering comprehensive home emergency insurance and maintenance coverage through convenient online subscription plans. This approach allows homeowners in the United Kingdom to manage their energy consumption effectively while ensuring that the entire lifecycle of energy solutions—from installation to ongoing maintenance—is comprehensively supported.

ViajaNet is an online travel agency based in São Caetano do Sul, Brazil, founded in 2009 by Alex Todres and Bob Rossato. The company specializes in providing a comprehensive range of travel services, including the sale of airline tickets, hotel accommodations, vacation packages, and travel insurance. ViajaNet's platform is designed to offer a user-friendly search experience, enabling customers to easily book their travel arrangements online. With a focus on competitive pricing, the agency caters to travelers across Brazil and Latin America, allowing them to access various travel options such as flights, hotels, cruises, and pre-assembled travel packages.

Rhino Labs Inc., established in 2017 and based in New York, is a licensed insurance agency specializing in personalized solutions for residential units. The company offers insurance products that safeguard landlords' properties against damages and unpaid rent, while providing renters with an alternative to traditional security deposits through a low monthly fee. This innovative approach aims to enhance affordability for renters and reduce vacancies for landlords.

TheGuarantors is a FinTech company that provides risk and financial solutions tailored for the real estate sector. Its platform offers an innovative rental coverage service that allows tenants to replace traditional security deposits with a small annual fee, thereby making renting more affordable and accessible. This solution not only helps tenants free up capital but also offers landlords the protection they require during the leasing process. By leveraging data and industry expertise in real estate and finance, TheGuarantors enhances the efficiency of leasing transactions, benefiting landlords, brokers, and renters alike. The company has received recognition for its growth and impact within the industry, appearing on notable lists such as The Inc. 5000 and Forbes' Best Startup Employers.

Hometree is a home energy services company focused on facilitating the transition to low-carbon living for homeowners. It provides a range of services including the installation, repair, and financing of renewable energy technologies and energy-efficient heating systems. Hometree aims to simplify the process of adopting sustainable home improvements by offering comprehensive home emergency insurance and maintenance coverage through convenient online subscription plans. This approach allows homeowners in the United Kingdom to manage their energy consumption effectively while ensuring that the entire lifecycle of energy solutions—from installation to ongoing maintenance—is comprehensively supported.

agency, comprehensive taxi management, financing, purchase and sale of taxi licenses, insurance, taxi driver training, credits, taxi, and workshops

Poncho Insurance is an independent insurance broker based in Australia, founded in 2017. The company specializes in flexible car insurance and home contents insurance, offering coverage for vehicle damage, theft, and fire, as well as protection for personal belongings such as appliances, furniture, jewelry, clothing, and collectibles. Poncho Insurance combines human expertise with technology to simplify the insurance process, making it easier for customers to understand their options and find suitable coverage at competitive prices. As a facilitator, Poncho does not underwrite insurance policies but provides valuable advice to help clients obtain comprehensive and reasonably priced insurance solutions.

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.