Flourish Ventures

Stitch operates a financial API platform that facilitates secure connections between bank accounts and various applications. By providing full API access to financial accounts, Stitch enables users to share their transaction history, confirm their identities, and initiate payments efficiently. The platform integrates directly with existing bank infrastructures, ensuring compliance and enhancing user experience through a lightweight single sign-on process. This approach allows clients to conduct fraud-free bank payments and access financial data with ease.

Fuse builds financial infrastructure in the Middle East on MENA's first developer-focused banking stack.

Vidyut specializes in financing solutions tailored for small and medium commercial electric vehicle businesses, facilitating the purchase, financing, and resale of electric vehicles. The company aims to simplify the ownership experience by providing custom financing options and establishing a secondary market for these vehicles. By collaborating with key stakeholders within the electric vehicle ecosystem, Vidyut supports buyers throughout their ownership journey, encompassing aspects from distribution and financing to after-sales services and resale.

MoneyHash streamlines payment processes for businesses by offering a unified API that integrates various pay-in and pay-out rails. It provides a customizable checkout experience, optimizes transaction routing to minimize fraud failures, and offers centralized reporting.

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.

Morada Uno is a technology company that equips real estate brokers and professionals with digital tools and financial products. Its services enable seamless and secure rental processes, enhancing interactions between property owners and tenants.

Akua is a technology company specializing in payment processing solutions for businesses in Latin America. It operates an "acquiring-as-a-service" platform that provides secure, efficient, and scalable payment processing services. The platform enables businesses to accept card payments using a single application programming interface, offering advanced transaction processing, fraud prevention, regional integration, data analytics, and comprehensive reporting features. Akua aims to address the challenges posed by the dominance of outdated systems and limited adoption of new payment technologies in the region's acquiring card payment markets.

Treehouse is a venture-backed software-enabled home electrification startup focused on delivering turnkey EV charging solutions to EV buyers at the point of sale.

Spry is a digital health platform that enables movement health professionals to collect and analyze patient data in real time. By leveraging machine learning and artificial intelligence, the platform provides personalized protocols based on evidence-based practices and standards of care. This allows practitioners and owners of physical therapy centers to effectively manage both clinical and administrative functions, enhancing the quality of patient care and operational efficiency.

LittleFish was founded with the goal of promoting more satisfying, approachable, and consistently useful trade. Our approach and delivery are largely dependent on our collaborations with banks, insurers, fintechs, and other major players in the sector; after all, we are co-creators of a future where improved means of commerce are realized.

M2P Fintech is a leading provider of a comprehensive API infrastructure designed to facilitate banking, payments, and lending services for businesses. The company offers a unified platform that supports various payment methods, including cards and digital wallets, while ensuring compliance with regulatory standards. M2P Fintech's technology enables seamless customer onboarding and compliance checks, thereby streamlining operations for financial institutions. By equipping sales teams with essential tools and information, M2P Fintech enhances the management of financial services, ultimately improving customer experiences in an increasingly digital economy.

Kaleidofin is a fintech company that delivers holistic financial solutions for underbanked individuals and households in India. It builds individual profiles from multiple data sources to tailor goal-based financial services that address income volatility and limited financial literacy. The platform helps users plan savings and investments through a data-driven model that estimates income, saving capacity, and monetary health, enabling personal wealth management. With a focus on intuitive design and analytics, Kaleidofin aims to expand access to customized financial guidance.

Brico is a licensing platform designed to assist companies in acquiring new financial licenses and managing their ongoing licensing requirements. The company aims to simplify the complex and often expensive process of obtaining these licenses by leveraging automation and potentially artificial intelligence. By streamlining this process, Brico enables its customers to navigate the regulatory landscape more efficiently, fostering innovation and competition within the financial sector.

ApnaKlub is a company focused on transforming the fast-moving consumer goods (FMCG) procurement market by creating a digital platform that connects buyers and brands. The platform aims to streamline the procurement process, providing users with supply consistency, improved profit margins, and access to a wide range of brands. By organizing and digitizing this market, ApnaKlub enables wholesale businesses to enhance their operations and drive revenue growth effectively.

Summer combines innovative technology and policy expertise to serve student loan borrowers. The company's platform provides resources including a personalized loan payment dashboard, payment notifications, student loan policy updates, and customized repayment plans, enabling student borrowers to take control of their loans and save money while repaying. Summer was established in 2017 in New York by Will Sealy.

Ringkas streamlines the mortgage process through its digital platform. It aims to make home ownership more accessible by efficiently matching customer profiles with suitable financial institutions based on risk appetite, and simplifying the pre-qualification process.

Qoala is an InsureTech company founded in 2018 and based in Jakarta Selatan, Indonesia. It specializes in providing online insurance services for various needs, including flight and train delays, phone screen damages, and e-commerce logistics. By leveraging advanced technologies such as big data, machine learning, Internet of Things (IoT), and blockchain, Qoala aims to transform the insurance landscape in Indonesia. The company collaborates with major e-commerce and travel platforms to offer innovative insurance products that enhance customer experiences.

Zone is a regulated blockchain network that facilitates the acceptance and payment of digital currencies. As a blockchain services company, it provides a secure and efficient infrastructure for transactions, promoting the use of digital assets in various applications. By leveraging blockchain technology, Zone aims to enhance financial transactions through increased transparency and reduced costs, catering to businesses and consumers looking to integrate digital currencies into their operations.

CurbWaste is a cloud-based, data-driven waste management platform that helps waste services companies optimize operations from collection through disposal. The SaaS solution collects and analyzes data to provide real-time insights, improve efficiency, and enhance operational transparency and sustainability. By automating workflows and coordinating activities across haul, processing, and disposal, the platform aims to reduce costs, increase throughput, and enable better decision-making for clients in the waste management industry.

Spade provides a transaction data enrichment platform powered by a large first-party data network. Its API delivers real-time, granular card-transaction details, including merchant identity, category, and geolocation, enabling issuers, anti-fraud providers, and fintechs to improve authorization rates, reduce fraud, and innovate with richer payment insights.

KarmaClub is a private angel network based in Jakarta, Indonesia, designed to facilitate backing for promising entrepreneurs. By connecting members with investment opportunities, KarmaClub aims to support and nurture innovative ideas and businesses. The network focuses on streamlining the investment process, making it more accessible for individuals interested in contributing to the growth of emerging ventures. Through its platform, KarmaClub fosters a community of investors who are dedicated to empowering entrepreneurs and driving positive change in the business landscape.

Vellum is a data and analytics platform built specifically for the insurance and reinsurance industry.

ZestMoney is a consumer lending fintech company founded in 2016 by Priya Sharma, Lizzie Chapman, and Ashish Anantharaman. The company offers a digital lending platform that enables retail consumers to access small loans through Equated Monthly Installments (EMIs) without the requirement of a credit card or credit score. By leveraging mobile technology, digital banking, and artificial intelligence, ZestMoney aims to democratize access to financing for millions of Indian consumers. The platform utilizes AI and machine learning for effective risk profiling, allowing clients to build their credit profiles and improve their credit scores. ZestMoney collaborates with various financial institutions and non-banking financial companies to facilitate these loans, thereby enhancing financial inclusion.

Developer of a financial payment application designed to make payments digitally. The company's application helps to pay into vendors' accounts by scanning a QR code, enabling users to pay phone, electricity, and internet bills with ease.

Indifi Technologies is an Indian digital lending platform that connects small businesses with multiple lenders to secure debt financing. The platform employs automated data collection and analysis to assess creditworthiness, drawing insights from diverse data sources and industry context to identify low-risk, high-promise borrowers. By presenting loan options from a network of lenders, Indifi helps businesses obtain financing without collateral and supports lenders with lifecycle services such as marketing, CRM, loan monitoring, and payment management. The platform serves sectors including e-commerce, travel, hospitality, retail, and trading, supporting growth for small enterprises.

Summer combines innovative technology and policy expertise to serve student loan borrowers. The company's platform provides resources including a personalized loan payment dashboard, payment notifications, student loan policy updates, and customized repayment plans, enabling student borrowers to take control of their loans and save money while repaying. Summer was established in 2017 in New York by Will Sealy.

Clerkie is an AI-driven financial planning platform that provides financial knowledge, personalized answers, and actionable plans to help users manage their finances. It also automates loan servicing and supports credit score building through debt management, using conversational AI to build comprehensive financial knowledge graphs that enable the management of loan losses and integrate financial advice with one-click automation. These capabilities serve lenders, businesses, and individuals by helping optimize loan portfolios, improve repayment performance, and promote financial wellness.

Staging Labs is a technology company that develops an infrastructure-layer platform aimed at securing cryptocurrency in a user-friendly manner. The platform is designed to enhance the safety of digital transactions by continuously scanning for potential threats and automatically transferring digital assets from vulnerable wallets to secure backup wallets in the event of a malicious attack. Through these measures, Staging Labs provides users with a robust security solution to protect their crypto assets and facilitate safer transactions in the evolving digital landscape.

TrueBiz is a developer of an information and documentation platform designed to enhance the onboarding process for financial services providers. The company's platform automates the processing of essential company documents, such as articles of incorporation, and integrates key business signals to facilitate efficient identification. By streamlining these processes, TrueBiz aims to reduce verification delays, ultimately helping financial institutions onboard their business customers more swiftly and decrease churn associated with these delays.

ApnaKlub is a company focused on transforming the fast-moving consumer goods (FMCG) procurement market by creating a digital platform that connects buyers and brands. The platform aims to streamline the procurement process, providing users with supply consistency, improved profit margins, and access to a wide range of brands. By organizing and digitizing this market, ApnaKlub enables wholesale businesses to enhance their operations and drive revenue growth effectively.

Founded in 2017, Aquaconnect is a tech-driven platform dedicated to improving aquaculture productivity. It connects fish and shrimp farmers with stakeholders across the value chain, providing intelligent technology solutions for farm advisory, financial access, and market linkage.

MaxAB is a B2B e-commerce platform based in Cairo, Egypt, founded in 2018, that connects food and grocery retailers with suppliers in underserved areas. The company focuses on re-engineering the informal grocery and food market by utilizing innovative technologies and supply chain solutions tailored to the specific needs of retailers. MaxAB's mobile platform facilitates an e-marketplace and provides logistics services for efficient distribution of goods. By streamlining procurement and grocery delivery processes, MaxAB aims to empower retailers with access to a diverse range of products, premium service, and operational support, ultimately enhancing their ability to manage their businesses effectively.

Heru is a company focused on enhancing the lives of gig-economy workers through technology-driven services and benefits tailored to their unique needs. Founded in 2019 by Mateo Jaramillo and Stiven Rodriguez Sanchez, and headquartered in Mexico City, the company offers a comprehensive financial technology platform that simplifies accounting processes for independent workers. Heru's services include electronic invoicing, tax management, tailored insurance policies, working capital solutions, and expert financial guidance. By providing tools for efficient tax obligation management and access to essential resources, Heru aims to improve the overall well-being and working conditions of freelancers and independent professionals.

LittleFish was founded with the goal of promoting more satisfying, approachable, and consistently useful trade. Our approach and delivery are largely dependent on our collaborations with banks, insurers, fintechs, and other major players in the sector; after all, we are co-creators of a future where improved means of commerce are realized.

Mapan is a social fintech company that aims to enhance financial accessibility for underserved communities. It empowers local influencers, predominantly women, as microentrepreneurs to facilitate community growth collectively while earning income through reselling services.

QueueBuster is an Indian mobile point‑of‑sale platform that runs on Android devices. It supports businesses of all sizes—from large retail outlets to small kiosks—by providing a single application for billing, inventory, accounting, online storefronts, customer management and loyalty programs. The software is fully configurable, automates invoicing, and delivers real‑time reporting, allowing operators to manage products, stock levels, and customer relationships from one interface. By consolidating these functions, QueueBuster helps businesses streamline operations, increase efficiency and foster growth.

Unit is a financial infrastructure platform that enables technology companies to integrate financial features into their products, including accounts, cards, payments, and lending. By streamlining the process of launching vertical banks, Unit manages compliance and banking relationships, allowing businesses to create unique banking experiences efficiently. This capability not only accelerates the development timeline for financial services but also enhances customer engagement and lifetime value by differentiating their offerings in a competitive market.

Cushion is a venture-backed FinTech startup that is changing the way consumers pay their recurring bills. Our goal is to help Americans pay all of their bills in full and on time while avoiding nasty fees and penalties. To bring this vision to life, we are reimagining the experience from the ground up and looking for the best of the best people to join our team as we bring our game-changing bill pay solution to the tens of millions of Americans who need it: https://angel.co/company/cushion_ai/jobs

Qoala is an InsureTech company founded in 2018 and based in Jakarta Selatan, Indonesia. It specializes in providing online insurance services for various needs, including flight and train delays, phone screen damages, and e-commerce logistics. By leveraging advanced technologies such as big data, machine learning, Internet of Things (IoT), and blockchain, Qoala aims to transform the insurance landscape in Indonesia. The company collaborates with major e-commerce and travel platforms to offer innovative insurance products that enhance customer experiences.

Dolado is a Latin American platform that helps small businesses increase sales, improve purchasing, and streamline operations through an integrated suite of e-commerce and financial services. It targets merchants in suburban areas and tier-2 cities where technology adoption is lower, providing tools to buy and sell a wide range of products, such as cell phone accessories, food items, automotive goods, and toys, and to manage inventory, payments, and other retail processes more efficiently.

Apollo Agriculture is an agtech company that provides smallholder farmers with access to high-quality inputs, credit, and advisory services. Using agronomic machine learning, remote sensing, and mobile technology, it assesses farmer credit risk and tailors each package to a farm’s location by integrating satellite data, soil information, farmer behavior, and crop yield models. The company delivers a bundled offer that includes financing for inputs such as fertilizer and seed, crop insurance, and ongoing consulting to improve farming decisions. Originating in Kenya with operations anchored in Nairobi, Apollo aims to expand to emerging markets and help farmers boost yields and profitability through customized credit, inputs, and advice. The approach combines modern data analytics with practical agronomy to enable farmers to adopt advanced farming methods.

Kamino is a comprehensive financial management platform tailored for medium-sized businesses in Brazil. It offers embedded B2B payments, real-time data access, and a rigorous approval system for secure payment processing. By automating accounts payable and reconciliation, Kamino has significantly saved businesses time and improved operational efficiency.

EarnUp Inc. is a fintech company based in San Francisco, California, that focuses on automating loan payments for consumers. Established in 2013, EarnUp's platform is designed to assist over 200 million Americans with debt by intelligently managing their financial obligations, including home mortgages, student loans, auto loans, and personal loans. The service allows users to set aside small amounts of money when financially feasible, which are then used to make loan payments on their behalf. By synchronizing micro-payments with users' income and lifestyle, EarnUp aims to streamline the debt repayment process and help individuals regain control over their finances, ultimately enabling them to pay off their debts more efficiently.

Propel, Inc. is a software development company based in Brooklyn, New York, established in 2014. The company focuses on creating mobile applications aimed at improving the financial health of low-income Americans. Its primary product, Providers, is a free app designed for EBT cardholders, enabling them to manage their government benefits, such as SNAP and rental assistance. The app also helps users track their finances, save on essential purchases, and earn cash through various incentives. Propel's mission is to empower individuals by providing tools that facilitate better budgeting and financial management.

Zaapi is a digital commerce software company that provides e-commerce sellers with an integrated platform to manage their online businesses effectively. The company offers tools for building websites, managing inventory, and customizing online stores, enabling sellers to streamline their workflows and activities in one cohesive solution. Zaapi's platform supports sales through various channels, including web and social media, allowing users to manage communications from platforms like Facebook, Instagram, and LINE within a single system. This comprehensive approach ensures that e-commerce sellers can respond to customer inquiries promptly and maintain efficient operations, ultimately facilitating growth in their businesses.

Kin Insurance, Inc. is a digital insurance agency that specializes in homeowners insurance and related products. Founded in 2016 and headquartered in Chicago, Illinois, with an additional office in St. Petersburg, Florida, the company aims to enhance the convenience and affordability of insurance by operating directly with consumers, eliminating the need for external agents. Kin Insurance offers a variety of products, including homeowners, mobile home, condo, flood, and landlord insurance, among others. The company leverages extensive property data to ensure precise pricing and improve underwriting outcomes, providing personalized coverage options and efficient claims services through its technology-driven platform.

Brick specializes in developing financial APIs for fintech products. It facilitates digital processing of end-users' financial data across various platforms like telcos, e-wallets, e-commerce, and super apps, catering to the unique needs of fintech companies.

Brimore operates a social commerce platform that connects emerging brand owners with a network of resellers. These resellers market and sell the products of these brands using social media, providing nationwide coverage for the brands. The platform uses data analytics to facilitate this connection between emerging brands and individual distributors across Egypt's 27 governorates, enabling small local manufacturers to directly reach consumers through freelance sales agents.

Brimore operates a social commerce platform that connects emerging brand owners with a network of resellers. These resellers market and sell the products of these brands using social media, providing nationwide coverage for the brands. The platform uses data analytics to facilitate this connection between emerging brands and individual distributors across Egypt's 27 governorates, enabling small local manufacturers to directly reach consumers through freelance sales agents.

Kaleidofin is a fintech company that delivers holistic financial solutions for underbanked individuals and households in India. It builds individual profiles from multiple data sources to tailor goal-based financial services that address income volatility and limited financial literacy. The platform helps users plan savings and investments through a data-driven model that estimates income, saving capacity, and monetary health, enabling personal wealth management. With a focus on intuitive design and analytics, Kaleidofin aims to expand access to customized financial guidance.

ShopUp is a Bangladesh-based technology company that operates a full-stack B2B commerce platform, designed specifically for small businesses. The platform provides these businesses with easy access to B2B sourcing, last-mile logistics, and buy-now-pay-later (BNPL) solutions. Headquartered in Dhaka, ShopUp aims to empower small businesses by offering them digital credit and business management tools, enabling them to access a wide range of products and services tailored to their needs.

Bitnob develops and manages Bitcoin and stablecoin infrastructure solutions, empowering global businesses with secure and efficient cryptocurrency services.

Taptap Send is a mobile application that facilitates instant money transfers for immigrants sending funds back to Africa at low costs. Launched in the summer of 2018, the platform has successfully processed hundreds of millions of dollars and serves hundreds of thousands of customers. It operates in seven European countries and enables payments to various countries, including Ivory Coast, Senegal, Mali, Ghana, Guinea, Cameroon, Bangladesh, Kenya, Madagascar, Zambia, Vietnam, and the Democratic Republic of the Congo, with plans for further expansion. Taptap Send simplifies the remittance process by allowing users to transfer money directly to mobile money wallets using just a debit card, eliminating the need for physical deposits and saving time for its clients.

Skipify is a California-based technology company dedicated to enhancing shoppers' journeys and strengthening merchant-customer relationships. It achieves this by offering an innovative checkout platform that instantly connects shoppers with their payment methods, rewards, and points, thereby reducing cart abandonment and improving overall shopping experiences.

HoneyCoin is a cryptographic payment and monetization platform that facilitates instant peer-to-peer transactions and enables users to send and receive payments across networks. The platform also connects creators with consumers, particularly in Africa, helping creators monetize their content, reach audiences, and earn and withdraw earnings from their talent.

Hummingbird is a compliance management platform focused on enhancing anti-money laundering (AML) operations and counter-terrorist financing investigations. The platform is designed for compliance professionals, allowing them to efficiently collect case information, conduct investigations, and report on unusual or suspicious activities. By significantly reducing paperwork and providing insightful analytics, Hummingbird improves operational efficiency and enables investigators to concentrate on combating financial crime. The founding team consists of experts from various sectors, including finance and regulatory agencies, which enriches the platform with valuable product and regulatory insights. Hummingbird aims to modernize regulatory compliance in the financial sector through innovative data solutions and design.

Indifi Technologies is an Indian digital lending platform that connects small businesses with multiple lenders to secure debt financing. The platform employs automated data collection and analysis to assess creditworthiness, drawing insights from diverse data sources and industry context to identify low-risk, high-promise borrowers. By presenting loan options from a network of lenders, Indifi helps businesses obtain financing without collateral and supports lenders with lifecycle services such as marketing, CRM, loan monitoring, and payment management. The platform serves sectors including e-commerce, travel, hospitality, retail, and trading, supporting growth for small enterprises.

SWAP provides Banking-as-a-Service (BaaS) platform for SaaS companies and fintech startups. Its secure APIs enable clients to integrate financial services such as pre-paid cards, digital wallets, and expense management into their platforms, creating new revenue streams and enhancing user experiences.

Varejo Integrado operates integrated retail market intended to deliver various products. Its technology finds the different prices for the products in the market, enabling clients to consolidate orders from various establishments to guarantee the best price and get next day delivery.

Mercê do Bairro is a Virtual Retail Chain. We provide a reliable brand and digital solutions to improve revenues and reduce costs of small groceries stores, making life easier for shopkeepers and their customers.

Zé Delivery is a beverage delivery company that has grown, evolved, and expanded its operations in the beverage market, adding different business units from the Direct to Consumer ecosystem, such as Empório da Cerveja and Chopp Brahma Express, thus becoming Ambev's consumer platform. The company was established in 2016 and is headquartered in So Paulo, Sao Paulo, Brazil.

M2P Fintech is a leading provider of a comprehensive API infrastructure designed to facilitate banking, payments, and lending services for businesses. The company offers a unified platform that supports various payment methods, including cards and digital wallets, while ensuring compliance with regulatory standards. M2P Fintech's technology enables seamless customer onboarding and compliance checks, thereby streamlining operations for financial institutions. By equipping sales teams with essential tools and information, M2P Fintech enhances the management of financial services, ultimately improving customer experiences in an increasingly digital economy.

GramCover is an InsurTech marketplace in rural India that focuses on developing and brokering rural insurance products for farmers. It operates a digital platform and distribution network to broaden access, reduce costs, and boost insurance penetration in underserved areas through technology and innovative onboarding, with instant policy issuance. The platform supports multiple collection options suitable for rural customers and enables partners to onboard clients digitally. The company leverages digital identity and banking infrastructure, such as Jan Dhan, Aadhar, and mobile stacks, to enroll customers, build comprehensive data sets, and support underwriting. It provides a risk analysis capability for crop insurance that allows insurers and corporates to design personalized products and underwrite risks more effectively.

ShopUp is a Bangladesh-based technology company that operates a full-stack B2B commerce platform, designed specifically for small businesses. The platform provides these businesses with easy access to B2B sourcing, last-mile logistics, and buy-now-pay-later (BNPL) solutions. Headquartered in Dhaka, ShopUp aims to empower small businesses by offering them digital credit and business management tools, enabling them to access a wide range of products and services tailored to their needs.

Jetty Insurance Agency LLC, founded in 2015 and headquartered in New York, is a financial services company that specializes in providing property and casualty insurance products. The company has developed a real estate insurance platform aimed at simplifying the leasing process and enhancing conversion rates for property managers. Jetty's innovative solutions help property managers increase lease conversions, minimize bad debt, and streamline their operations. For renters, Jetty alleviates the financial burden associated with move-in costs, making home renting more affordable and accessible. Through its mission, Jetty seeks to transform the rental experience for both property managers and residents.

Jetty Insurance Agency LLC, founded in 2015 and headquartered in New York, is a financial services company that specializes in providing property and casualty insurance products. The company has developed a real estate insurance platform aimed at simplifying the leasing process and enhancing conversion rates for property managers. Jetty's innovative solutions help property managers increase lease conversions, minimize bad debt, and streamline their operations. For renters, Jetty alleviates the financial burden associated with move-in costs, making home renting more affordable and accessible. Through its mission, Jetty seeks to transform the rental experience for both property managers and residents.

Dinie is a pioneering fintech company specializing in embedded lending infrastructure tailored for B2B platforms in Brazil, particularly focusing on the underserved micro, small, and medium-sized enterprise (MSME) market. The company simplifies the process for digital platforms to offer instant revolving lines of credit and B2B payment solutions through straightforward API integration. By providing flexible financial services with pre-approved credit limits, Dinie empowers businesses to access the financial tools necessary for their growth and success. Its innovative approach positions Dinie at the forefront of the embedded lending model and open finance landscape in Brazil.

Founded in 2017, Aquaconnect is a tech-driven platform dedicated to improving aquaculture productivity. It connects fish and shrimp farmers with stakeholders across the value chain, providing intelligent technology solutions for farm advisory, financial access, and market linkage.

Lidya is a financial services platform focused on small and medium enterprises in Nigeria, enabling online account opening, funds management, credit building, and access to working capital. Founded in 2016 and based in Lagos, the company uses mobile-first technology and proprietary credit scoring to help SMEs open accounts quickly, manage receivables and cash flow, and secure affordable credit with higher limits as their credit profiles improve.

MaxAB is a B2B e-commerce platform based in Cairo, Egypt, founded in 2018, that connects food and grocery retailers with suppliers in underserved areas. The company focuses on re-engineering the informal grocery and food market by utilizing innovative technologies and supply chain solutions tailored to the specific needs of retailers. MaxAB's mobile platform facilitates an e-marketplace and provides logistics services for efficient distribution of goods. By streamlining procurement and grocery delivery processes, MaxAB aims to empower retailers with access to a diverse range of products, premium service, and operational support, ultimately enhancing their ability to manage their businesses effectively.

FairMoney is a mobile banking platform founded in 2017, operating from Paris, France, and Lagos, Nigeria. The platform specializes in providing credit to private and business borrowers, particularly targeting underbanked populations in emerging markets. By leveraging smartphone data, FairMoney develops an instant credit score for users, facilitating access to various loan types, including personal, business, medical, and car loans. The company has disbursed over 350,000 loans and aims to make financial services more accessible and affordable for millions in Africa and South-East Asia. With a team of 45 professionals and backing from European and American investors, FairMoney is committed to transforming the financial landscape for underserved communities.

Cignifi Inc. is a Boston-based company that specializes in designing and developing a credit and marketing analytics platform specifically for mobile network operators. Established in 2010, Cignifi utilizes mobile phone data to provide credit risk and marketing scores, thereby helping underserved populations access financial services. The platform serves a diverse clientele, including telecommunications operators, retailers, lenders, and insurers. Cignifi's innovative approach leverages proprietary behavioral modeling and analytics tools to create scores based on mobile phone usage and other non-traditional data sources. This enables financial service providers to onboard new customers digitally while effectively managing fraud and credit risk. Additionally, Cignifi offers related products such as airtime credit, handset financing, and online lending, aimed at enhancing access to essential financial products for individuals without access to formal financial services.

Unit is a financial infrastructure platform that enables technology companies to integrate financial features into their products, including accounts, cards, payments, and lending. By streamlining the process of launching vertical banks, Unit manages compliance and banking relationships, allowing businesses to create unique banking experiences efficiently. This capability not only accelerates the development timeline for financial services but also enhances customer engagement and lifetime value by differentiating their offerings in a competitive market.

TaniHub is a Jakarta-based B2B agriculture marketplace established in 2015 that connects local farmers with businesses in the food service industry, including hotels, restaurants, and catering services. The company provides an e-commerce platform for agricultural products, facilitating market access for farmers and enabling them to sell their crops to various customers, including micro, small, and medium enterprises (MSMEs). By empowering local farmers with enhanced market access and financial opportunities, TaniHub plays a significant role in promoting agricultural sustainability and economic growth in Indonesia.

Kin Insurance, Inc. is a digital insurance agency that specializes in homeowners insurance and related products. Founded in 2016 and headquartered in Chicago, Illinois, with an additional office in St. Petersburg, Florida, the company aims to enhance the convenience and affordability of insurance by operating directly with consumers, eliminating the need for external agents. Kin Insurance offers a variety of products, including homeowners, mobile home, condo, flood, and landlord insurance, among others. The company leverages extensive property data to ensure precise pricing and improve underwriting outcomes, providing personalized coverage options and efficient claims services through its technology-driven platform.

Skipify is a California-based technology company dedicated to enhancing shoppers' journeys and strengthening merchant-customer relationships. It achieves this by offering an innovative checkout platform that instantly connects shoppers with their payment methods, rewards, and points, thereby reducing cart abandonment and improving overall shopping experiences.

Credflow is a fintech company based in New Delhi, India, founded in 2019, that specializes in cash flow management solutions tailored for specific industries. The company provides a software-as-a-service (SaaS) platform designed to automate receivable collections and create customized credit solutions for small and medium-sized businesses. By leveraging technology, Credflow aims to streamline cash flow management, helping businesses reduce their working capital and enhance their financial health. The company's vision is to transform the credit flow within supply chains, enabling businesses to achieve significant growth across various sectors.

M2P Fintech is a leading provider of a comprehensive API infrastructure designed to facilitate banking, payments, and lending services for businesses. The company offers a unified platform that supports various payment methods, including cards and digital wallets, while ensuring compliance with regulatory standards. M2P Fintech's technology enables seamless customer onboarding and compliance checks, thereby streamlining operations for financial institutions. By equipping sales teams with essential tools and information, M2P Fintech enhances the management of financial services, ultimately improving customer experiences in an increasingly digital economy.

EarnUp Inc. is a fintech company based in San Francisco, California, that focuses on automating loan payments for consumers. Established in 2013, EarnUp's platform is designed to assist over 200 million Americans with debt by intelligently managing their financial obligations, including home mortgages, student loans, auto loans, and personal loans. The service allows users to set aside small amounts of money when financially feasible, which are then used to make loan payments on their behalf. By synchronizing micro-payments with users' income and lifestyle, EarnUp aims to streamline the debt repayment process and help individuals regain control over their finances, ultimately enabling them to pay off their debts more efficiently.

SeedFi operates an online platform offering payroll loans to consumers, focusing on those living paycheck to paycheck. Founded in 2019 by fintech veterans, the company aims to provide lower-cost access to capital and improve financial health for vulnerable members of society.

Cushion is a venture-backed FinTech startup that is changing the way consumers pay their recurring bills. Our goal is to help Americans pay all of their bills in full and on time while avoiding nasty fees and penalties. To bring this vision to life, we are reimagining the experience from the ground up and looking for the best of the best people to join our team as we bring our game-changing bill pay solution to the tens of millions of Americans who need it: https://angel.co/company/cushion_ai/jobs

Jetty Insurance Agency LLC, founded in 2015 and headquartered in New York, is a financial services company that specializes in providing property and casualty insurance products. The company has developed a real estate insurance platform aimed at simplifying the leasing process and enhancing conversion rates for property managers. Jetty's innovative solutions help property managers increase lease conversions, minimize bad debt, and streamline their operations. For renters, Jetty alleviates the financial burden associated with move-in costs, making home renting more affordable and accessible. Through its mission, Jetty seeks to transform the rental experience for both property managers and residents.

Grab is a Southeast Asia-based mobile platform that integrates ride-hailing, food and grocery delivery, and financial services, connecting drivers, merchants, and customers through a single app. It operates in Singapore, Indonesia, the Philippines, Malaysia, Thailand, Vietnam, and Myanmar, and holds a leading market share in ride-hailing and food delivery, with 89% of revenue derived from these core businesses. The company also offers payments, consumer loans, and enterprise financial services. It charges commissions to both riders and merchants as it links them with consumers. Founded in 2012 by Anthony Tan and Tan Hooi Ling, Grab is headquartered in Singapore and maintains offices in Seattle, Beijing, Bangalore, Jakarta, and Vietnam. In 2024, Singapore, Indonesia, and Malaysia together contributed more than 70% of revenue.

Grab Financial Group provides financial services across payments, rewards, lending, and insurance. A seamless point-of-sale (POS) system for merchants and a trusted mobile wallet of choice in Southeast Asia for payments such as in-store purchases, Grab transactions, and fund transfers.

Albo is a Mexican challenger bank offering a mobile-first banking experience. It provides users with a digital banking account, a Mastercard card for spending, and innovative features such as savings tools, goal management within sub-accounts, and personal loans.

Unit is a financial infrastructure platform that enables technology companies to integrate financial features into their products, including accounts, cards, payments, and lending. By streamlining the process of launching vertical banks, Unit manages compliance and banking relationships, allowing businesses to create unique banking experiences efficiently. This capability not only accelerates the development timeline for financial services but also enhances customer engagement and lifetime value by differentiating their offerings in a competitive market.

Heru is a company focused on enhancing the lives of gig-economy workers through technology-driven services and benefits tailored to their unique needs. Founded in 2019 by Mateo Jaramillo and Stiven Rodriguez Sanchez, and headquartered in Mexico City, the company offers a comprehensive financial technology platform that simplifies accounting processes for independent workers. Heru's services include electronic invoicing, tax management, tailored insurance policies, working capital solutions, and expert financial guidance. By providing tools for efficient tax obligation management and access to essential resources, Heru aims to improve the overall well-being and working conditions of freelancers and independent professionals.

ShopUp is a Bangladesh-based technology company that operates a full-stack B2B commerce platform, designed specifically for small businesses. The platform provides these businesses with easy access to B2B sourcing, last-mile logistics, and buy-now-pay-later (BNPL) solutions. Headquartered in Dhaka, ShopUp aims to empower small businesses by offering them digital credit and business management tools, enabling them to access a wide range of products and services tailored to their needs.

Session AI, formerly known as ZineOne, is an innovative marketing platform focused on enhancing in-session ecommerce experiences. The company addresses the challenge of anonymous online shopping sessions by utilizing advanced machine learning models to analyze customer micro-behaviors at scale. This technology allows Session AI to deliver personalized, real-time interactions that drive conversions without relying on personal information or historical data. Renowned brands such as KOHL’s, Men’s Wearhouse, KEEN, and Advance Auto Parts have partnered with Session AI, achieving significant improvements in conversion rates and generating millions in attributed revenue. The platform is designed to facilitate real-time brand-to-user interactions across various digital channels, enabling businesses to engage customers contextually while maintaining the integrity of their existing applications.

Founded in Brazil in 2016, Neon is a leading fintech offering digital banking services. It provides debit and credit cards with no annual fees, personal loans, payroll loans, investments, cashback on debit transactions, and various payment methods. Neon also supports micro-entrepreneurs through MEI Fácil. With over 15 million customers and 1600 employees, Neon has seen significant revenue growth.

Kin Insurance, Inc. is a digital insurance agency that specializes in homeowners insurance and related products. Founded in 2016 and headquartered in Chicago, Illinois, with an additional office in St. Petersburg, Florida, the company aims to enhance the convenience and affordability of insurance by operating directly with consumers, eliminating the need for external agents. Kin Insurance offers a variety of products, including homeowners, mobile home, condo, flood, and landlord insurance, among others. The company leverages extensive property data to ensure precise pricing and improve underwriting outcomes, providing personalized coverage options and efficient claims services through its technology-driven platform.

Hummingbird is a compliance management platform focused on enhancing anti-money laundering (AML) operations and counter-terrorist financing investigations. The platform is designed for compliance professionals, allowing them to efficiently collect case information, conduct investigations, and report on unusual or suspicious activities. By significantly reducing paperwork and providing insightful analytics, Hummingbird improves operational efficiency and enables investigators to concentrate on combating financial crime. The founding team consists of experts from various sectors, including finance and regulatory agencies, which enriches the platform with valuable product and regulatory insights. Hummingbird aims to modernize regulatory compliance in the financial sector through innovative data solutions and design.

SWAP provides Banking-as-a-Service (BaaS) platform for SaaS companies and fintech startups. Its secure APIs enable clients to integrate financial services such as pre-paid cards, digital wallets, and expense management into their platforms, creating new revenue streams and enhancing user experiences.

Steady removes barriers to earn through its income intelligence that supports over 3 million hourly, 1099 and mixed-earners in earning more, an average of over $5,500 per year. Steady's view of income also applies its technology for purposes of income measurement that fills the wage data gap for public and private sector entities that service this worker population in areas such as the administration of public sector benefits. Steady was founded in 2017.

GramCover is an InsurTech marketplace in rural India that focuses on developing and brokering rural insurance products for farmers. It operates a digital platform and distribution network to broaden access, reduce costs, and boost insurance penetration in underserved areas through technology and innovative onboarding, with instant policy issuance. The platform supports multiple collection options suitable for rural customers and enables partners to onboard clients digitally. The company leverages digital identity and banking infrastructure, such as Jan Dhan, Aadhar, and mobile stacks, to enroll customers, build comprehensive data sets, and support underwriting. It provides a risk analysis capability for crop insurance that allows insurers and corporates to design personalized products and underwrite risks more effectively.

Apollo Agriculture is an agtech company that provides smallholder farmers with access to high-quality inputs, credit, and advisory services. Using agronomic machine learning, remote sensing, and mobile technology, it assesses farmer credit risk and tailors each package to a farm’s location by integrating satellite data, soil information, farmer behavior, and crop yield models. The company delivers a bundled offer that includes financing for inputs such as fertilizer and seed, crop insurance, and ongoing consulting to improve farming decisions. Originating in Kenya with operations anchored in Nairobi, Apollo aims to expand to emerging markets and help farmers boost yields and profitability through customized credit, inputs, and advice. The approach combines modern data analytics with practical agronomy to enable farmers to adopt advanced farming methods.

Qoala is an InsureTech company founded in 2018 and based in Jakarta Selatan, Indonesia. It specializes in providing online insurance services for various needs, including flight and train delays, phone screen damages, and e-commerce logistics. By leveraging advanced technologies such as big data, machine learning, Internet of Things (IoT), and blockchain, Qoala aims to transform the insurance landscape in Indonesia. The company collaborates with major e-commerce and travel platforms to offer innovative insurance products that enhance customer experiences.

Summer combines innovative technology and policy expertise to serve student loan borrowers. The company's platform provides resources including a personalized loan payment dashboard, payment notifications, student loan policy updates, and customized repayment plans, enabling student borrowers to take control of their loans and save money while repaying. Summer was established in 2017 in New York by Will Sealy.

ZestMoney is a consumer lending fintech company founded in 2016 by Priya Sharma, Lizzie Chapman, and Ashish Anantharaman. The company offers a digital lending platform that enables retail consumers to access small loans through Equated Monthly Installments (EMIs) without the requirement of a credit card or credit score. By leveraging mobile technology, digital banking, and artificial intelligence, ZestMoney aims to democratize access to financing for millions of Indian consumers. The platform utilizes AI and machine learning for effective risk profiling, allowing clients to build their credit profiles and improve their credit scores. ZestMoney collaborates with various financial institutions and non-banking financial companies to facilitate these loans, thereby enhancing financial inclusion.

Kaleidofin is a fintech company that delivers holistic financial solutions for underbanked individuals and households in India. It builds individual profiles from multiple data sources to tailor goal-based financial services that address income volatility and limited financial literacy. The platform helps users plan savings and investments through a data-driven model that estimates income, saving capacity, and monetary health, enabling personal wealth management. With a focus on intuitive design and analytics, Kaleidofin aims to expand access to customized financial guidance.