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.

Digitt offers fair financial tools aimed at combating predatory lending practices. It provides low-interest credit card debt solutions, ranging from 20% to 42% annually, enabling customers to reduce interest payments and accelerate debt repayment. Digitt's services empower users with clear monthly payment plans and debt-free timelines.

Ume is a consumer finance platform designed to simplify access to credit, particularly for low-income individuals who lack traditional banking resources. By offering purchase credit through retailers' points of sale, Ume eliminates hidden fees, unclear terms, and high interest rates, fostering a more inclusive financial environment. The platform aims to empower consumers to achieve their personal financial goals while enabling retailers to offer a risk-free credit alternative. Through its competitive pricing and commitment to transparency, Ume seeks to democratize credit access and create an economic landscape that benefits both consumers and retailers.

Ugami is a developer of a financial mobile application that offers financial rewards services specifically tailored for gamers. The platform allows users to earn points through virtual card purchases made with debit and credit cards, which can be redeemed in its store for a variety of gaming-related items, such as merchandise, digital goods, hardware, and software. Additionally, users can gain preferred access to exclusive game sessions and esports events. Ugami aims to enhance the gaming experience by enabling players to earn rewards while also providing tools for personal finance education and safe fund management.

Bright Money is an AI-powered financial management platform that assists consumers in achieving debt freedom. The company focuses on helping users eliminate various forms of debt, including credit card, student, and auto loans, by leveraging machine learning algorithms to analyze individual financial data. Bright Money offers personalized insights into spending habits, budgeting, and overall financial health, empowering users to reduce financial stress and make informed decisions. The platform also provides tailored credit products and tools designed to enhance financial wellness, enabling users to build savings and attain better financial stability. Through its innovative approach, Bright Money aims to support consumers on their journey toward improved financial management.

Franq is a Brazilian fintech that aggregates 50 financial institutions to distribute over 100 financial products and services through a network of 7,000 independent brokers, known as Personal Bankers. It operates as a multi-sided marketplace that enables banking professionals to offer a wide range of products to individuals and small and medium-sized enterprises, serving as a free, one-stop shop. The platform emphasizes the independence and autonomy of the independent professionals and provides clients with access to products from banks, fintechs and insurers so they can choose the options that best fit their needs.

Paybook, Inc. is a fintech company based in Austin, Texas, founded in 2011. It offers a cloud-based financial platform designed to automate and simplify money management for individuals, groups, and businesses. The platform enables users to track expenses, access various financial accounts, and collaborate on financial tasks. It allows for the grouping and sharing of transactions based on user-defined themes, as well as detailed analysis of income, expenses, and billable time. Additionally, Paybook provides Syncfy, a financial API product that enhances efficiency by consolidating access to financial data from banks, credit cards, and other sources into a single interface. This integration helps customers streamline payment processing and invoicing, reducing reliance on multiple technical solutions. Paybook's focus on transparency and automation aims to foster financial inclusion and improve operational efficiency within the financial sector, particularly in Latin America.

Rosaly is a fintech company founded by Arbia Smiti in late 2019, focused on enhancing the financial well-being of employees through its innovative platform. The company's services include automatic management of advance payment requests and a comprehensive financial management tool designed to alleviate financial stress for employees. By providing on-demand pay, budget management, and educational resources through its app, Rosaly empowers businesses to support their staff's financial health while ensuring that cash flow remains unaffected.

Goin is a mobile application that enhances users' financial health by layering innovative saving, investing, and smart-shopping tools onto traditional banking services.

Upfront is a FinTech startup founded in 2021 and headquartered in New York. The company specializes in financial advisory services focused on refinancing auto loans. It aims to address financial inequality by helping customers secure competitive interest rates and favorable monthly payments for their car loans. By providing tailored refinancing options, Upfront enables individuals to reduce their interest rates and manage their repayment plans more flexibly, ultimately allowing them to pay fair amounts on their loans.

Neo Financial is a fintech company delivering spending, savings, and rewards services through a secure money-management platform. It issues a Mastercard-based credit card through ATB Financial and offers a savings account via Concentra Bank with CDIC protection. The platform combines card and rewards capabilities with deposit services and inter-account payments, and it emphasizes no monthly fees or minimum balances to help users save and spend seamlessly.

Possible Finance is a consumer finance company that provides short-term, small-dollar installment loans and payday loans with flexible terms. It uses cashflow underwriting to assess affordability and offers a pathway toward improved financial health. By reporting repayment activity to major credit bureaus, the company helps borrowers build credit history and access traditional financing options, supporting economic mobility for underserved communities. The business model emphasizes accessible funding and streamlined approval to serve individuals who lack widespread access to conventional credit, while aiming to reduce the debt cycle through responsible lending practices and clear repayment structures.

Abhi is a financial wellness platform based in Pakistan that enables employees to access a portion of their accrued wages as a salary advance. The service allows employees to withdraw funds into any bank account and supports on-demand payroll for employers, helping them pay staff timely and reduce HR and finance workload. The platform also offers features such as access to unpaid wages, invoice factoring and payroll processing, empowering employers with flexible wage payment options. Founded in 2021, Abhi seeks to redefine personal finance by giving workers more control over their earnings.

Ugami is a developer of a financial mobile application that offers financial rewards services specifically tailored for gamers. The platform allows users to earn points through virtual card purchases made with debit and credit cards, which can be redeemed in its store for a variety of gaming-related items, such as merchandise, digital goods, hardware, and software. Additionally, users can gain preferred access to exclusive game sessions and esports events. Ugami aims to enhance the gaming experience by enabling players to earn rewards while also providing tools for personal finance education and safe fund management.

Digitt offers fair financial tools aimed at combating predatory lending practices. It provides low-interest credit card debt solutions, ranging from 20% to 42% annually, enabling customers to reduce interest payments and accelerate debt repayment. Digitt's services empower users with clear monthly payment plans and debt-free timelines.

Dinara develops enterprise banking software that unifies crypto and fiat assets in one platform, enabling enterprises to hold and transact both securely and quickly. The platform supports multiple users per account, management of multiple entities, and role-based permissions to control risk, with streamlined Know Your Customer onboarding to speed up sign-up. Dinara aims to simplify corporate crypto and fiat banking by providing a single, integrated solution for secure asset management and business transactions.

Solvo develops an iOS app for simplified crypto investments. Its platform facilitates buying, selling, and trading cryptocurrencies with streamlined account opening and money transfer processes.

Earnr is a finance and tax service company based in the U.K., founded in 2020 by Anil Nair, Enzo Ottens, and Jamie Leverton. It caters to creators and individuals engaged in side-hustle businesses. Earnr's platform automates finances and tax submissions, allowing users to import bank transactions, track earnings, streamline tax returns, and maintain a comprehensive record of self-employed income. This helps users save time on financial organization and tax filing.

Goin is a mobile application that enhances users' financial health by layering innovative saving, investing, and smart-shopping tools onto traditional banking services.

Ugami is a developer of a financial mobile application that offers financial rewards services specifically tailored for gamers. The platform allows users to earn points through virtual card purchases made with debit and credit cards, which can be redeemed in its store for a variety of gaming-related items, such as merchandise, digital goods, hardware, and software. Additionally, users can gain preferred access to exclusive game sessions and esports events. Ugami aims to enhance the gaming experience by enabling players to earn rewards while also providing tools for personal finance education and safe fund management.

SmartAsset is an online platform providing consumer-focused financial information and tools. It connects consumers with financial advisors via SmartAdvisor, reaching approximately 75 million people monthly through educational content and personalized calculators. The company aims to empower users to make informed decisions about personal finance, including home buying, retirement planning, and taxes.

Possible Finance is a consumer finance company that provides short-term, small-dollar installment loans and payday loans with flexible terms. It uses cashflow underwriting to assess affordability and offers a pathway toward improved financial health. By reporting repayment activity to major credit bureaus, the company helps borrowers build credit history and access traditional financing options, supporting economic mobility for underserved communities. The business model emphasizes accessible funding and streamlined approval to serve individuals who lack widespread access to conventional credit, while aiming to reduce the debt cycle through responsible lending practices and clear repayment structures.

Harness Wealth is a pioneering wealth management platform designed for entrepreneurs and investors. It combines innovative technology with expert advisory services, providing personalized financial advice and solutions tailored to help users build and manage their wealth effectively.

Nubank is a prominent digital bank revolutionizing finance with its customer-centric approach. It provides a variety of services, including credit cards, personal loans, and digital payments, all accessible through a simple mobile app. Known for transparency, ease of use, and low fees, Nubank aims to empower users with innovative solutions for better financial management.

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.

Bxblue is a Brazilian fintech company that operates an online marketplace for personal loans. It specifically targets pensioners and government workers, offering payroll-secured loans at significantly lower interest rates compared to credit cards. This market segment represents 60% of Brazil's personal loan market, valued at USD 40 billion annually.

Vest Wealth Management is a digital investment advisor focused on serving the middle class in emerging markets, particularly in Mexico and Latin America. The company offers a platform that allows users to begin investing with as little as 50 dollars in local funds and investment products. Vest's services are designed to assist individuals in achieving their financial goals through savings and investment strategies. By providing tailored advice on existing savings plans and investment options available in the local market, Vest empowers users to concentrate on practical and attainable financial objectives.

Neo Financial is a fintech company delivering spending, savings, and rewards services through a secure money-management platform. It issues a Mastercard-based credit card through ATB Financial and offers a savings account via Concentra Bank with CDIC protection. The platform combines card and rewards capabilities with deposit services and inter-account payments, and it emphasizes no monthly fees or minimum balances to help users save and spend seamlessly.

Possible Finance is a consumer finance company that provides short-term, small-dollar installment loans and payday loans with flexible terms. It uses cashflow underwriting to assess affordability and offers a pathway toward improved financial health. By reporting repayment activity to major credit bureaus, the company helps borrowers build credit history and access traditional financing options, supporting economic mobility for underserved communities. The business model emphasizes accessible funding and streamlined approval to serve individuals who lack widespread access to conventional credit, while aiming to reduce the debt cycle through responsible lending practices and clear repayment structures.

Dwelling is a financial services company based in Austin, Texas, founded in 2020. It operates as a tech-powered real estate brokerage that utilizes technology to connect homebuyers with optimal incentives and financial programs tailored to their individual financial situations. By combining savings strategies and financial guidance, Dwelling aims to simplify the home-buying process, helping clients save money compared to traditional savings methods. The company focuses on making home ownership more accessible and financially feasible for its users.

Founded in 2012, Kueski is a leading buy now, pay later (BNPL) and online consumer lending company based in Mexico. It offers financial services through its innovative product ecosystem, consisting of Kueski Pay for BNPL transactions and Kueski Cash for personal loans. The company uses artificial intelligence and big data to expand access to traditional financial products.

Possible Finance is a consumer finance company that provides short-term, small-dollar installment loans and payday loans with flexible terms. It uses cashflow underwriting to assess affordability and offers a pathway toward improved financial health. By reporting repayment activity to major credit bureaus, the company helps borrowers build credit history and access traditional financing options, supporting economic mobility for underserved communities. The business model emphasizes accessible funding and streamlined approval to serve individuals who lack widespread access to conventional credit, while aiming to reduce the debt cycle through responsible lending practices and clear repayment structures.

Possible Finance is a consumer finance company that provides short-term, small-dollar installment loans and payday loans with flexible terms. It uses cashflow underwriting to assess affordability and offers a pathway toward improved financial health. By reporting repayment activity to major credit bureaus, the company helps borrowers build credit history and access traditional financing options, supporting economic mobility for underserved communities. The business model emphasizes accessible funding and streamlined approval to serve individuals who lack widespread access to conventional credit, while aiming to reduce the debt cycle through responsible lending practices and clear repayment structures.

Cuenca is a fintech company that provides digital banking and payments services through online and mobile platforms. The business offers savings and deposit facilities, digital loan capabilities with real-time funding, and the ability to send and receive money. It supports paying bills and services, including utilities, and enables users to manage finances securely, either digitally or with a physical card. The platform aims to simplify everyday financial tasks by combining online banking, bill payment, and digital money transfers in one solution.

SmartAsset is an online platform providing consumer-focused financial information and tools. It connects consumers with financial advisors via SmartAdvisor, reaching approximately 75 million people monthly through educational content and personalized calculators. The company aims to empower users to make informed decisions about personal finance, including home buying, retirement planning, and taxes.

Chipper, Inc. is a student loan management application that assists users in analyzing, managing, and repaying their student debt. The platform aims to lower payments, qualify for loan forgiveness, and expedite debt repayment for its users. Founded in 2017 in Austin, Texas, Chipper focuses on creating modern financial solutions for a generation facing significant challenges related to student debt. The company strives to empower students by providing tools that simplify their financial management and enhance their ability to navigate the complexities of student loans.