FJ Labs

Optifino is a financial technology company specializing in intuitive visualization dashboards for the life insurance industry. It offers insights across various carriers, facilitates ongoing policy reviews, and integrates client goals to enhance estate planning by improving death benefits and premium management.

Chaiz is an innovative online marketplace specializing in extended car warranties, addressing the financial burden faced by many car owners in the United States. With a significant portion of the population unable to manage unexpected car repair costs, Chaiz provides a digital platform that allows users to purchase warranties directly from protection providers. By eliminating the need for call centers and in-person transactions, Chaiz streamlines the buying process and offers a more transparent way for consumers to compare options. This approach not only enhances the shopping experience but also reduces costs for customers by an average of 40%, making extended warranties more accessible and affordable.

Caramel is an online platform designed to simplify and secure the buying and selling of cars, catering primarily to private party transactions and independent dealers. The platform offers a comprehensive range of services, including verification of vehicles, ownership transfer, payment processing, auto financing, vehicle protection, insurance, and delivery options. By streamlining these processes, Caramel enables buyers and sellers to engage in efficient digital transactions while ensuring safety and transparency in car sales.

Bondaval is a London-based digital platform founded in 2020 that focuses on B2B credit security, aimed at replacing traditional collateral-based instruments and trade credit insurance. The company provides a more secure, capital-efficient, and cost-effective alternative for businesses, enabling them to issue, amend, renew, and claim on secured credit in real-time. Bondaval's platform offers features such as live risk monitoring, alerts, and streamlined claims handling, which help clients to optimize their working capital and save time. By democratizing access to credit alternatives, Bondaval empowers businesses of all sizes to enhance their financial flexibility and growth potential.

OCHO is an auto insurance provider focused on affordable, fair, and credit-building coverage. The company offers auto insurance with zero down payments and lower premiums, and provides options that reduce security deposits for rent and eliminate deposits for utilities, enabling customers to secure assets at a low and fair price. By combining accessible pricing with credit-building benefits, OCHO serves customers who may have limited credit histories while simplifying the path to vehicle protection and related assets.

Bondaval is a London-based digital platform founded in 2020 that focuses on B2B credit security, aimed at replacing traditional collateral-based instruments and trade credit insurance. The company provides a more secure, capital-efficient, and cost-effective alternative for businesses, enabling them to issue, amend, renew, and claim on secured credit in real-time. Bondaval's platform offers features such as live risk monitoring, alerts, and streamlined claims handling, which help clients to optimize their working capital and save time. By democratizing access to credit alternatives, Bondaval empowers businesses of all sizes to enhance their financial flexibility and growth potential.

Onsi is a company that specializes in providing an insurance and benefits platform aimed at enhancing employee engagement and loyalty. The platform allows businesses to implement reward programs that deliver a variety of meaningful benefits to their workers, such as sick pay, family leave, and mental health support. Through features like tiering and gamification, Onsi helps businesses achieve optimal results while enabling employees to access benefits that can improve their financial well-being. By offering a comprehensive suite of life protections and support services, Onsi aims to assist organizations in reducing employee turnover and recruitment costs.

OCHO is an auto insurance provider focused on affordable, fair, and credit-building coverage. The company offers auto insurance with zero down payments and lower premiums, and provides options that reduce security deposits for rent and eliminate deposits for utilities, enabling customers to secure assets at a low and fair price. By combining accessible pricing with credit-building benefits, OCHO serves customers who may have limited credit histories while simplifying the path to vehicle protection and related assets.

Handdii is a Melbourne-based technology platform that connects insurance companies, customers, brokers, and a network of contractors to repair property insurance claims. The platform functions as an online marketplace, enabling direct interaction between customers and tradespeople while providing transparent claim progress, reporting, and streamlined communication among adjusters, contractors, and customers. By simplifying claim fulfilment and reducing costs, Handdii aims to deliver faster property repairs and improved customer satisfaction.

Bennie develops employee benefits software and brokerage services designed to simplify benefits and expand access. The platform connects disparate systems across the benefits supply chain and provides tools for plan details, claims and eligibility questions, insurance cards, a benefits marketplace, and provider identification, enabling clearer information flow and easier management of benefits. Bennie's easy-to-use app and brokerage capabilities support healthier workplaces by reducing complexity and improving accessibility for organizations and their workforce. The company draws on experience from benefits firms, technology startups, and insurance carriers, reflecting a focus on streamlining benefits administration and enhancing user experience.

Caramel is an online platform designed to simplify and secure the buying and selling of cars, catering primarily to private party transactions and independent dealers. The platform offers a comprehensive range of services, including verification of vehicles, ownership transfer, payment processing, auto financing, vehicle protection, insurance, and delivery options. By streamlining these processes, Caramel enables buyers and sellers to engage in efficient digital transactions while ensuring safety and transparency in car sales.

Cleverea is a neoinsurer specializing in property & casualty (P&C) insurance for the millennial generation. It operates a B2B2C model, partnering with neobanks, insurers/insurtechs, brokers, airlines, and other entities to distribute innovative insurance products across various customer touchpoints.

OCHO is an auto insurance provider focused on affordable, fair, and credit-building coverage. The company offers auto insurance with zero down payments and lower premiums, and provides options that reduce security deposits for rent and eliminate deposits for utilities, enabling customers to secure assets at a low and fair price. By combining accessible pricing with credit-building benefits, OCHO serves customers who may have limited credit histories while simplifying the path to vehicle protection and related assets.

Bennie develops employee benefits software and brokerage services designed to simplify benefits and expand access. The platform connects disparate systems across the benefits supply chain and provides tools for plan details, claims and eligibility questions, insurance cards, a benefits marketplace, and provider identification, enabling clearer information flow and easier management of benefits. Bennie's easy-to-use app and brokerage capabilities support healthier workplaces by reducing complexity and improving accessibility for organizations and their workforce. The company draws on experience from benefits firms, technology startups, and insurance carriers, reflecting a focus on streamlining benefits administration and enhancing user experience.

ViajaNet is an online travel agency that offers a comprehensive platform for booking various travel services. Founded in 2009 by Alex Todres and Bob Rossato, the company is headquartered in São Caetano do Sul, Brazil. ViajaNet provides customers with a diverse selection of travel options, including airline tickets, hotel accommodations, vacation packages, cruises, and travel insurance. Its user-friendly interface facilitates an efficient search experience, allowing travelers to easily find and book their desired arrangements throughout Brazil and Latin America.

AkinovA Limited is a company that has developed an independent electronic marketplace for the transfer and trading of re/insurance risks. Founded in 2017 and based in Marylebone, United Kingdom, AkinovA aims to enhance the efficiency of the insurance value chain by facilitating connections among brokers, capital market participants, and insurance providers. The platform allows users to provide insurance advisory services, manage their client bases, and optimize capital and risk management. By collaborating with leading industry players such as Hiscox and MS&AD Insurance Group, AkinovA seeks to drive market growth while minimizing frictional costs and expediting the execution of insurance transactions. The company is supported by an experienced Advisory Board with expertise in insurance, capital markets, and technology.

KNØX specializes in secure digital asset custody for institutions, offering comprehensive insurance coverage for the full value of clients' holdings. Its end-to-end system ensures simplicity and uncompromising security, with each client having access to a dedicated terminal for asset management.

ViajaNet is an online travel agency that offers a comprehensive platform for booking various travel services. Founded in 2009 by Alex Todres and Bob Rossato, the company is headquartered in São Caetano do Sul, Brazil. ViajaNet provides customers with a diverse selection of travel options, including airline tickets, hotel accommodations, vacation packages, cruises, and travel insurance. Its user-friendly interface facilitates an efficient search experience, allowing travelers to easily find and book their desired arrangements throughout Brazil and Latin America.

Founded in 2017, Rhino Labs provides personalized insurance solutions for residential units. It underwrites insurance that protects landlords' properties from damages and unpaid rent, while enabling renters to avoid security deposits by paying a low monthly fee.

TheGuarantors is a FinTech company that delivers risk and financial solutions for the real estate ecosystem. It operates a rental coverage platform that acts as a financing tool for tenants to replace traditional security deposits with a small annual fee, while providing landlords with the protection they require. By removing the upfront deposit barrier, the platform helps tenants unfreeze capital and access rental opportunities more affordably and with less friction. The company leverages data and industry expertise in real estate, risk, and finance to streamline leasing, reduce risk for landlords, and expand access to rental housing. The platform serves landlords, leasing staff, brokers, renters, and tenants by improving efficiency in the leasing process and facilitating smoother tenant-screening and cash flow management.

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, established in 2017. The company specializes in flexible car insurance and home contents insurance. Its car insurance policies protect vehicles from damage, theft, and fire, while the home contents insurance covers a range of items including appliances, furniture, jewelry, clothing, and collectibles. Poncho Insurance leverages technology to simplify the process of understanding insurance and finding optimal coverage, combining the efficiency of digital tools with the expertise of human brokers. Although Poncho does not underwrite insurance policies, it provides valuable guidance to customers in obtaining comprehensive and competitively priced insurance solutions.