Flourish Ventures

Stitch is a payments infrastructure company that helps businesses seamlessly connect to the financial system, so they can deliver a better user experience and optimize operations. Headquartered in Cape Town, South Africa, Stitch launched in February 2021 and has global staff. Stitch offers all popular online payment methods and operates as a Payments Service Provider. Its platform supports a variety of pay-in methods and solutions; financial and payment management solutions; and Payouts. Learn more at stitch.money.

Fuse Finance specializes in providing a comprehensive payments infrastructure tailored for the Middle East and North Africa (MENA) region. The company enables international payments businesses to establish a presence in MENA by offering solutions that include the creation of local International Bank Account Numbers (IBANs) for customers. Its technology streamlines operations by facilitating interactions with local banks, running real-time reconciliations, and managing virtual accounts. Additionally, Fuse Finance supports clients in moving money both locally and internationally while ensuring compliance with local regulations. This infrastructure allows businesses to effectively reconcile customer funds and manage their financial operations within the region.

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 operates a payment orchestration platform that simplifies payment processes for businesses in the Middle East and Africa. Through a unified API, it offers seamless integration of pay-in and pay-out rails, allowing customers to customize their checkout experience. The platform includes advanced transaction routing capabilities designed to optimize fraud detection and reduce failure rates. Additionally, MoneyHash provides a centralized reporting hub that enables users to monitor transactions effectively. This comprehensive solution helps businesses enhance their success rates, accept various payment methods, and streamline their financial operations.

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 focuses on enhancing the real estate industry by offering tools and financial products aimed at real estate brokers and professionals. The company provides services that facilitate the screening, collection, and insurance of residential leases. By equipping real estate professionals with resources to streamline interactions between property owners and tenants, Morada Uno enables efficient transaction closures and effective asset management for its clients. The company's solutions aim to create a digital, seamless, and secure rental experience in the real estate market.

Akua is an acquiring-as-a-service platform that offers scalable, secure, and efficient payment processing solutions for Latin America. Our platform leverages advanced technology to provide superior transaction processing, fraud prevention, and comprehensive regional integration. Problem Latin America's acquiring card payment markets are dominated by a few incumbents using outdated systems, hindering the adoption of new payment technologies and increasing fraud risks.

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 platform focused on providing comprehensive financial solutions to under-banked individuals and households. Founded in 2017 and headquartered in Chennai, Tamil Nadu, the platform aims to help customers achieve their financial goals by offering tailored services that address the specific challenges faced by this demographic, such as volatile income and limited financial literacy. By creating individual profiles based on various data sources, Kaleidofin customizes its offerings to meet the unique needs of each customer. The platform also emphasizes goal-based financial planning, enabling users to save and invest effectively despite financial uncertainties. Through the use of analytics and user-centered design, Kaleidofin strives to improve financial outcomes for its clients.

Brico operates a licensing platform designed to assist companies in acquiring financial licenses and managing their ongoing licensing obligations. By streamlining the complex and often expensive process of obtaining these licenses, Brico aims to enhance efficiency through automation and the potential use of artificial intelligence. This approach not only simplifies the licensing journey for customers but also promotes 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. This platform aims to streamline the procurement process, ensuring supply consistency and enhancing profit margins for wholesale businesses. By providing access to a wide range of brands, ApnaKlub enables these businesses to thrive in generating revenue, ultimately contributing to a more organized and efficient market landscape.

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 is a digital mortgage platform focused on addressing housing accessibility by streamlining the mortgage process. The company aims to democratize home ownership by allowing users to pre-qualify for a home budget quickly and at no cost. By leveraging technology, Ringkas efficiently matches customer profiles with pre-qualified mortgage rates and facilitates connections with trusted partners to assist in qualifying individuals for mortgages. This innovative approach not only enhances the overall customer experience but also seeks to make home ownership more attainable for a broader audience.

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 payments and the acceptance of digital currencies. As a blockchain services company, it provides a secure infrastructure that supports various financial transactions in the digital economy. By leveraging advanced blockchain technology, Zone aims to enhance the efficiency and transparency of payment processes, making it easier for businesses and consumers to engage in digital currency transactions. Its focus on regulatory compliance ensures that its services meet the necessary legal standards, fostering trust and reliability in the evolving landscape of digital finance.

CurbWaste is transforming the waste management industry with its innovative cloud-based platform designed to optimize waste recycling operations. By leveraging data collection and real-time information, the platform empowers waste services companies to enhance their operational efficiencies and improve transparency throughout the waste management process, from collection to disposal. CurbWaste addresses the challenges faced by the industry due to outdated software, enabling clients to streamline their operations effectively. Through its technology, CurbWaste is committed to promoting sustainability and enhancing the overall effectiveness of waste management practices.

Spade specializes in transaction data enrichment by offering a unique solution that utilizes a comprehensive first-party data network. This infrastructure provides real-time access to detailed information about card transactions, including merchant identities, categories, and geolocation. By linking each transaction to accurate merchant data, Spade enables card issuers, anti-fraud providers, and fintech companies to enhance their applications and systems without the need for extensive data cleaning. The insights derived from Spade's services help clients prevent fraud, improve authorization rates, and develop innovative financial technology features, ultimately delivering greater clarity and context to each transaction.

KarmaClub is a private angel network based in Jakarta, Indonesia, designed to facilitate investments in promising entrepreneurs. The platform connects members with opportunities to support and fund startups, promoting the growth of innovative businesses. By simplifying the investment process, KarmaClub aims to empower its members to make impactful contributions to the entrepreneurial 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 Pvt. Ltd. is a digital lending platform based in Gurugram, India, that connects borrowers with lenders to facilitate loans for small businesses. Established in 2015, the company focuses on assisting businesses that struggle to secure financing from traditional institutions due to a lack of collateral or financial data. Indifi employs technology to gather and analyze data from various sources to assess the creditworthiness and performance of these businesses within their respective industries. This innovative approach enables the identification of low-risk, high-potential enterprises that may otherwise be overlooked. By submitting relevant loan applications to multiple lenders, Indifi enhances the likelihood of securing funding while allowing lenders to choose which businesses they want to support. The platform serves a variety of sectors, including e-commerce, travel, hospitality, retail, and trading, and offers lifecycle support services for lenders, such as marketing, customer relationship management, data aggregation, and loan monitoring.

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 designed to assist Americans in managing their debt and enhancing their financial literacy. The company utilizes a proprietary financial automation system that incorporates conversational AI to create detailed financial knowledge graphs. This technology allows users to easily understand their financial situations and take actionable steps toward debt management. By combining expert financial advice with automated solutions, Clerkie aims to simplify the process of addressing debt burdens, making it more accessible for individuals to implement effective financial strategies.

Staging Labs develops an infrastructure-layer platform focused on enhancing the security of cryptocurrency transactions. The company provides a system that continuously monitors transactions to identify potential threats, automatically transferring digital assets from vulnerable wallets to secure backup wallets in case of a malicious attack. This proactive approach aims to offer users a safe and user-friendly method for managing their crypto assets, thereby contributing to the overall safety and reliability of the cryptocurrency ecosystem.

TrueBiz is a developer of an information and documentation platform that aims to streamline the identification and onboarding of business customers for financial services providers. By automating the processing of essential company documents, such as articles of incorporation, TrueBiz enhances the efficiency of business verification. The platform integrates critical signals about businesses, allowing financial institutions to reduce manual processes and accelerate onboarding. This approach not only speeds up the onboarding experience but also helps mitigate customer churn associated with verification 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. This platform aims to streamline the procurement process, ensuring supply consistency and enhancing profit margins for wholesale businesses. By providing access to a wide range of brands, ApnaKlub enables these businesses to thrive in generating revenue, ultimately contributing to a more organized and efficient market landscape.

Aquaconnect is a comprehensive aquaculture platform established in 2017 that supports fish and shrimp farmers in enhancing productivity and financial access through innovative technology solutions. By leveraging AI and satellite remote sensing, Aquaconnect captures pond data to deliver data-driven advisory services, enabling farmers to optimize water quality, aquatic health, and feed consumption. The platform facilitates connections between farmers and key stakeholders in the aquaculture value chain, including feed producers, equipment manufacturers, banks, and insurers. With an integrated approach, Aquaconnect has assisted over 60,000 farmers, providing them with context-aware alerts and suggestions to improve their operations. Additionally, the company offers data-enabled fintech solutions that enhance transparency for financial stakeholders engaging with the aquaculture community, ultimately helping to improve market linkages and value realization for farmers.

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 by offering a comprehensive suite of services tailored to their needs. Founded in 2019 by Mateo Jaramillo and Stiven Rodriguez Sanchez, and based in Mexico City, Heru aims to improve the conditions of independent workers through technology-driven solutions. The company's financial technology platform provides essential tools for managing accounting, including electronic invoicing and tax management. It offers customized insurance policies, working capital, credit options, and financial guidance, as well as facilitating tax declarations and providing cell phone data plans. Heru's mission is to empower freelancers and independent workers by simplifying their financial responsibilities and ensuring they have access to necessary resources and expert assistance.

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 financial technology company dedicated to enhancing financial access for low-income communities, particularly through a network of micropreneurs, primarily women. The company's platform eliminates barriers to financial inclusion by providing tools that empower community influencers to foster collective growth and self-sufficiency within their communities. Mapan offers services such as payment processing, lending solutions, cell phone airtime, and bill-pay options, all designed to facilitate easier and safer access to essential products and services. By creating employment opportunities and enabling users to earn income as reselling agents, Mapan contributes to economic empowerment and improves the overall financial well-being of underserved populations.

QueueBuster is a mobile point-of-sale (POS) application designed for businesses of all sizes in India, ranging from large retail stores to small kiosks. The software offers a comprehensive suite of features including billing, inventory management, customer relationship management, and loyalty programs. It enables users to automate billing processes and access real-time reporting, allowing for efficient management of administrative records and product inventory from a single platform. By streamlining operations, QueueBuster aims to enhance efficiency and support the growth of small and medium-sized businesses (SMBs) and micro, small, and medium enterprises (MSMEs).

Unit is a financial infrastructure platform that enables technology companies to integrate financial features into their products, including accounts, cards, payments, and lending services. By streamlining the process of launching vertical banks, Unit manages compliance and maintains necessary banking relationships, allowing businesses to create customized banking experiences more efficiently. This capability not only helps companies save time but also enhances their product offerings, ultimately increasing customer lifetime value.

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 company that provides a comprehensive retail management platform aimed at enhancing the operations of small businesses in Latin America, particularly in suburban areas and tier-2 cities where technology adoption is lower. The platform facilitates the buying and selling of a variety of products, including cell phone accessories, food items, automotive goods, and toys. By offering a full suite of e-commerce and financial services, Dolado helps merchants improve efficiency, lower costs, and enhance sales performance, thereby empowering them to thrive in a competitive marketplace.

Apollo Agriculture Ltd. is an agtech company based in Nairobi, Kenya, that supports smallholder farmers by providing financial and technical assistance. Founded in 2015, the company offers loans to help farmers acquire essential inputs such as fertilizer, seeds, and crop insurance, along with access to expert advice. By utilizing agronomic machine learning, remote sensing, and mobile technology, Apollo customizes financing packages based on individual farmer needs, assessing credit risk through satellite and soil data. This tailored approach aims to enhance farming practices and significantly increase crop yields, thereby maximizing profits for farmers in emerging markets.

Kamino is a financial management software company that specializes in providing comprehensive solutions for medium-sized businesses in Brazil. The platform features an integrated system for B2B payments, including proprietary banking services and corporate credit card solutions, alongside seamless connections to leading local banks and enterprise resource planning (ERP) systems. This integration allows financial managers to gain real-time insights into company expenditures and manage payments through a structured approval process. Kamino's capabilities include automatic invoice capture, data extraction, and streamlined accounts payable and reconciliation, which collectively enhance operational efficiency. By automating these processes, Kamino enables businesses to improve cash flow, reduce errors, and save significant amounts of time in their financial operations.

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 managing various types of debt, including home mortgages, student loans, auto loans, and personal loans. The platform allows users to set aside small amounts of money when they can afford it, which are then allocated for loan payments, helping users pay off their debts more efficiently. By syncing micro-payments with individual income and automating savings in real-time, EarnUp aims to alleviate the stress of financial management and empower users to take control of their financial situations.

Propel, Inc. is a technology company based in Brooklyn, New York, founded in 2014. It specializes in developing mobile software applications aimed at improving the financial health of low-income Americans. The company's 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 save on essential expenses and earn cash, while offering features that allow them to check their balance and organize budgets around local deals. Propel's focus is on empowering its users to better navigate financial challenges and enhance their economic well-being.

Zaapi is a digital commerce software provider that offers e-commerce sellers a comprehensive platform to manage their online operations. It enables users to build websites, manage inventory, and create catalogs, all while streamlining workflows through a single interface. The platform supports multi-channel selling, allowing businesses to engage with customers via various channels, including web and social media platforms like Facebook, Instagram, and LINE. By centralizing communication and providing timely notifications, Zaapi ensures that sellers can respond to customer inquiries efficiently. This all-in-one solution is designed to help small businesses accelerate their growth in the competitive e-commerce landscape.

Kin Insurance, Inc. is a digital insurance agency specializing in homeowners insurance and related products, including mobile home, condo, flood, manufactured home, landlord, umbrella, hurricane, wildfire, and second home insurance. Founded in 2016 and headquartered in Chicago, Illinois, with an additional office in St. Petersburg, Florida, Kin Insurance operates payment processing offices in Palatine and Chicago. By eliminating external agents, Kin Insurance offers a direct-to-consumer model that enhances the convenience and affordability of homeowners insurance. The company's technology platform provides a seamless user experience, personalized coverage options, and efficient claims processing. Kin leverages extensive property data to deliver precise pricing and improve underwriting outcomes.

Brick develops financial application programming interfaces (APIs) aimed at enhancing fintech products. The platform enables the seamless processing of end-users' financial data, offering access to transaction information from various sources, including telecommunications, e-wallets, e-commerce, and super apps. By providing real-time, secure, and accurate data, Brick's APIs facilitate the creation of personalized financial solutions, improve onboarding processes, and enhance conversion rates while reducing the risk of fraud. This empowers fintech developers to offer affordable, inclusive, and tailored products to their clients, addressing the diverse needs of the financial technology landscape.

Brimore is a social commerce platform that connects emerging brand owners with a network of individual distributors, enabling them to market and sell their products via social media. The platform facilitates a parallel distribution channel, allowing small local manufacturers to reach consumers directly through freelance sales agents. By leveraging data analytics, Brimore provides nationwide coverage across all twenty-seven governorates, enhancing the visibility and accessibility of emerging brands in the market. This approach supports local businesses by expanding their sales reach and fostering a community-driven sales model.

Brimore is a social commerce platform that connects emerging brand owners with a network of individual distributors, enabling them to market and sell their products via social media. The platform facilitates a parallel distribution channel, allowing small local manufacturers to reach consumers directly through freelance sales agents. By leveraging data analytics, Brimore provides nationwide coverage across all twenty-seven governorates, enhancing the visibility and accessibility of emerging brands in the market. This approach supports local businesses by expanding their sales reach and fostering a community-driven sales model.

Kaleidofin is a fintech platform focused on providing comprehensive financial solutions to under-banked individuals and households. Founded in 2017 and headquartered in Chennai, Tamil Nadu, the platform aims to help customers achieve their financial goals by offering tailored services that address the specific challenges faced by this demographic, such as volatile income and limited financial literacy. By creating individual profiles based on various data sources, Kaleidofin customizes its offerings to meet the unique needs of each customer. The platform also emphasizes goal-based financial planning, enabling users to save and invest effectively despite financial uncertainties. Through the use of analytics and user-centered design, Kaleidofin strives to improve financial outcomes for its clients.

ShopUp is a full-stack B2B commerce platform based in Dhaka, Bangladesh, designed to support small and medium-sized businesses. The company provides a comprehensive range of services, including B2B sourcing, last-mile logistics, digital credit, and business management solutions. By leveraging technology, ShopUp enables small neighborhood shops to access a wide variety of products through an online platform while also offering logistics support and financial credit tailored to their business needs. This holistic approach empowers small businesses to streamline operations and enhance their market reach.

Bitnob is a company that develops and manages infrastructure solutions for Bitcoin and Stablecoin transactions, catering to businesses globally. It operates an online trading platform that facilitates the buying and selling of bitcoins. The platform features instant Know Your Customer (KYC) verification and offers various deposit and withdrawal methods, including mobile money. By providing these services, Bitnob aims to help users create and grow their wealth while also supporting their business needs.

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 focused on enhancing the e-commerce experience by reducing friction in the shopping process. The company offers a platform that integrates with existing email providers, allowing shoppers to make purchases directly from blog posts, reviews, and product links. This innovation streamlines the checkout process by connecting shoppers with their payment options, rewards, and points, thereby minimizing abandoned carts and improving overall customer satisfaction. Additionally, Skipify's solution supports merchants in strengthening their relationships with customers and increasing affiliate and partner conversion rates.

HoneyCoin is a cryptographic payment and monetization platform that facilitates peer-to-peer transactions, allowing users to connect and transact with friends and family globally at any time. The platform is designed to empower creators, particularly in Africa, by enabling them to monetize their content and earn income from their talents. Users can receive payments instantly, enhancing the overall efficiency of financial interactions within the platform. HoneyCoin aims to bridge the gap between creators and consumers, providing a seamless way for individuals to earn and withdraw their earnings.

Hummingbird is a platform for managing anti-money laundering (AML) operations. Compliance professionals use Hummingbird to collect case information, conduct investigations, and report on unusual or suspicious behaviors. The platform dramatically reduces paperwork and improves efficiency, enabling AML investigators to refocus on fighting financial crime. Hummingbird’s founding team brings together product and regulatory experience from organizations like Square, Plaid, IDEO, the Department of the Treasury, and the OCC. Hummingbird is using data and design to modernize regulatory compliance in finance.

Indifi Technologies Pvt. Ltd. is a digital lending platform based in Gurugram, India, that connects borrowers with lenders to facilitate loans for small businesses. Established in 2015, the company focuses on assisting businesses that struggle to secure financing from traditional institutions due to a lack of collateral or financial data. Indifi employs technology to gather and analyze data from various sources to assess the creditworthiness and performance of these businesses within their respective industries. This innovative approach enables the identification of low-risk, high-potential enterprises that may otherwise be overlooked. By submitting relevant loan applications to multiple lenders, Indifi enhances the likelihood of securing funding while allowing lenders to choose which businesses they want to support. The platform serves a variety of sectors, including e-commerce, travel, hospitality, retail, and trading, and offers lifecycle support services for lenders, such as marketing, customer relationship management, data aggregation, and loan monitoring.

SWAP provides a modular payment platform that enables companies to enhance their financial operations through innovative technology and a unique business model. By offering APIs for end-to-end, white-label financial solutions, SWAP allows clients to create comprehensive financial ecosystems that include features such as pre-paid cards, digital wallets, and various financial services. This platform facilitates secure money disbursements to merchants, assists with fund collection and bill payments, and supports peer-to-peer transactions via QR codes. By integrating these services, SWAP empowers businesses to expand their core offerings, eliminate barriers, and develop new revenue streams, effectively establishing internal fintech capabilities.

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 focused on providing rural insurance products to farmers in India. The company aims to enhance insurance penetration in rural areas and reduce costs by utilizing technology and a unique distribution strategy. Its mobile insurance platform allows partners to digitally onboard customers at any time, offering various collection options tailored to the needs of rural clientele. GramCover employs extensive data sets and robust underwriting capabilities, leveraging systems like Jan Dhan and Aadhar to facilitate customer engagement. Additionally, the platform features a comprehensive risk analysis tool for crop insurance, enabling insurers and corporates to create personalized insurance products and improve risk assessment. Through these innovations, GramCover strives to make insurance more accessible and efficient for the rural population.

ShopUp is a full-stack B2B commerce platform based in Dhaka, Bangladesh, designed to support small and medium-sized businesses. The company provides a comprehensive range of services, including B2B sourcing, last-mile logistics, digital credit, and business management solutions. By leveraging technology, ShopUp enables small neighborhood shops to access a wide variety of products through an online platform while also offering logistics support and financial credit tailored to their business needs. This holistic approach empowers small businesses to streamline operations and enhance their market reach.

Jetty Insurance Agency LLC, founded in 2015 and headquartered in New York, provides property and casualty insurance products with a focus on the real estate sector. The company aims to simplify the leasing process and enhance conversion rates for property managers while making renting more affordable and accessible for residents. Jetty's innovative platform helps property managers reduce bad debt and streamline operations, ultimately lowering the financial barriers for renters and saving them significant move-in costs.

Jetty Insurance Agency LLC, founded in 2015 and headquartered in New York, provides property and casualty insurance products with a focus on the real estate sector. The company aims to simplify the leasing process and enhance conversion rates for property managers while making renting more affordable and accessible for residents. Jetty's innovative platform helps property managers reduce bad debt and streamline operations, ultimately lowering the financial barriers for renters and saving them significant move-in costs.

Dinie is a pioneering fintech company in Brazil that specializes in embedded lending infrastructure for B2B platforms, focusing on the underserved micro, small, and medium-sized enterprises (MSMEs) market. By simplifying the lending process, Dinie enables digital platforms to quickly offer instant revolving lines of credit and B2B payment solutions through an easy API integration. The company's services are designed to empower businesses with flexible financial tools, providing them with pre-approved credit limits that facilitate access to essential financial services. Dinie aims to enhance the financial landscape for MSMEs in Brazil, promoting their growth and success.

Aquaconnect is a comprehensive aquaculture platform established in 2017 that supports fish and shrimp farmers in enhancing productivity and financial access through innovative technology solutions. By leveraging AI and satellite remote sensing, Aquaconnect captures pond data to deliver data-driven advisory services, enabling farmers to optimize water quality, aquatic health, and feed consumption. The platform facilitates connections between farmers and key stakeholders in the aquaculture value chain, including feed producers, equipment manufacturers, banks, and insurers. With an integrated approach, Aquaconnect has assisted over 60,000 farmers, providing them with context-aware alerts and suggestions to improve their operations. Additionally, the company offers data-enabled fintech solutions that enhance transparency for financial stakeholders engaging with the aquaculture community, ultimately helping to improve market linkages and value realization for farmers.

Lidya is a financial services platform based in Lagos, Nigeria, focused on improving access to credit and finance for small and medium enterprises. Founded in 2016, Lidya enables businesses to open accounts online, manage funds, and access credit within 15 minutes using mobile-first technology and proprietary credit scoring algorithms. The platform offers a range of banking services, including invoice financing and working capital, designed to help business owners build credit profiles and secure affordable financing. Additionally, it provides tools and dashboards for managing receivables and cash flow, allowing businesses to enhance their credit scores and unlock higher credit limits.

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 credit-led mobile bank for emerging markets. It was launched in 2017 and operates in Nigeria and India. Its goal is to rebuild Africa's money story by offering Tier 1 digital financial services to merchants and consumers alike. It offers a range of digital financial products including, near-instant digital loans, investment products, savings, payments, and cards via mobile app.

Cignifi Inc. is a company that specializes in credit and marketing analytics, primarily serving mobile network operators. Established in 2010 and headquartered in Boston, Massachusetts, with an additional office in Sao Paulo, Brazil, Cignifi has created a platform that generates credit risk and marketing scores using mobile phone data. This innovative approach addresses the needs of approximately 2.7 billion individuals globally who possess mobile phones but lack access to traditional financial services. The company's offerings extend beyond analytics, encompassing products such as airtime credit, handset financing, and online lending, aimed at empowering underserved consumers and enhancing their access to essential financial products. Cignifi's platform leverages proprietary behavioral modeling and analytics tools to facilitate the onboarding of new customers for banks, insurers, and retailers while effectively managing fraud and credit risk.

Unit is a financial infrastructure platform that enables technology companies to integrate financial features into their products, including accounts, cards, payments, and lending services. By streamlining the process of launching vertical banks, Unit manages compliance and maintains necessary banking relationships, allowing businesses to create customized banking experiences more efficiently. This capability not only helps companies save time but also enhances their product offerings, ultimately increasing customer lifetime value.

TaniHub is a B2B agriculture marketplace based in Indonesia that connects farmers with businesses in the food, hotel, restaurant, and catering sectors. Established in 2015 by co-founders Ivan Arie Sustiawan, Eka Pamitra, Michael Sugianto, Miftahul Choiri, Wahyu Setyo Nugroho, Wawan B. Setyawan, and William Setiawan, TaniHub provides an e-commerce platform for agricultural products. The platform empowers local farmers by facilitating market access and financial opportunities, allowing them to sell their crops to individuals and micro, small, and medium enterprises (MSMEs) across various regions.

Kin Insurance, Inc. is a digital insurance agency specializing in homeowners insurance and related products, including mobile home, condo, flood, manufactured home, landlord, umbrella, hurricane, wildfire, and second home insurance. Founded in 2016 and headquartered in Chicago, Illinois, with an additional office in St. Petersburg, Florida, Kin Insurance operates payment processing offices in Palatine and Chicago. By eliminating external agents, Kin Insurance offers a direct-to-consumer model that enhances the convenience and affordability of homeowners insurance. The company's technology platform provides a seamless user experience, personalized coverage options, and efficient claims processing. Kin leverages extensive property data to deliver precise pricing and improve underwriting outcomes.

Skipify is a California-based technology company focused on enhancing the e-commerce experience by reducing friction in the shopping process. The company offers a platform that integrates with existing email providers, allowing shoppers to make purchases directly from blog posts, reviews, and product links. This innovation streamlines the checkout process by connecting shoppers with their payment options, rewards, and points, thereby minimizing abandoned carts and improving overall customer satisfaction. Additionally, Skipify's solution supports merchants in strengthening their relationships with customers and increasing affiliate and partner conversion rates.

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 managing various types of debt, including home mortgages, student loans, auto loans, and personal loans. The platform allows users to set aside small amounts of money when they can afford it, which are then allocated for loan payments, helping users pay off their debts more efficiently. By syncing micro-payments with individual income and automating savings in real-time, EarnUp aims to alleviate the stress of financial management and empower users to take control of their financial situations.

SeedFi, Inc. is an online platform that provides personal loan services specifically designed for lower-income consumers living paycheck to paycheck. Founded in early 2019 and based in San Francisco with an additional office in New York, the company aims to improve financial health by offering lower-cost access to capital and facilitating credit building. SeedFi's products cater to the needs of vulnerable individuals, enabling them to achieve financial stability through better access to financial services. By focusing on the challenges faced by these consumers, SeedFi seeks to empower them with the tools necessary for saving and improving their creditworthiness, ultimately helping them secure a more stable financial future.

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, provides property and casualty insurance products with a focus on the real estate sector. The company aims to simplify the leasing process and enhance conversion rates for property managers while making renting more affordable and accessible for residents. Jetty's innovative platform helps property managers reduce bad debt and streamline operations, ultimately lowering the financial barriers for renters and saving them significant move-in costs.

Grab Holdings Inc. is a prominent online-to-offline service provider based in Singapore, focusing on mobile technology solutions for transportation across Southeast Asia. Founded in 2012 by Anthony Tan and Tan Hooi Lng, Grab integrates various transportation services through its platform, which includes offerings such as GrabTaxi, GrabCar, GrabHitch, GrabShare, GrabCoach, GrabShuttle, GrabShuttle Plus, GrabFamily, JustGrab, GrabNow, and GrabRental. The company operates in multiple countries, including Singapore, Indonesia, the Philippines, Malaysia, Thailand, Vietnam, and Myanmar. In addition to its headquarters in Singapore, Grab has offices in Seattle, Beijing, Bangalore, Jakarta, and Vietnam, further extending its reach and capabilities within the region.

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 prominent Mexican challenger bank that provides a financial platform designed to simplify money management for its users. It offers a mobile banking app and a Mastercard, enabling clients to easily track their spending, saving, and investment activities. The platform allows users to receive and transfer money effortlessly, with features that include real-time tracking of monetary movements and categorized expense and income reports. Albo focuses on adapting to individual lifestyles by delivering honest and innovative banking services that enhance financial management.

Unit is a financial infrastructure platform that enables technology companies to integrate financial features into their products, including accounts, cards, payments, and lending services. By streamlining the process of launching vertical banks, Unit manages compliance and maintains necessary banking relationships, allowing businesses to create customized banking experiences more efficiently. This capability not only helps companies save time but also enhances their product offerings, ultimately increasing customer lifetime value.

Heru is a company focused on enhancing the lives of gig-economy workers by offering a comprehensive suite of services tailored to their needs. Founded in 2019 by Mateo Jaramillo and Stiven Rodriguez Sanchez, and based in Mexico City, Heru aims to improve the conditions of independent workers through technology-driven solutions. The company's financial technology platform provides essential tools for managing accounting, including electronic invoicing and tax management. It offers customized insurance policies, working capital, credit options, and financial guidance, as well as facilitating tax declarations and providing cell phone data plans. Heru's mission is to empower freelancers and independent workers by simplifying their financial responsibilities and ensuring they have access to necessary resources and expert assistance.

ShopUp is a full-stack B2B commerce platform based in Dhaka, Bangladesh, designed to support small and medium-sized businesses. The company provides a comprehensive range of services, including B2B sourcing, last-mile logistics, digital credit, and business management solutions. By leveraging technology, ShopUp enables small neighborhood shops to access a wide variety of products through an online platform while also offering logistics support and financial credit tailored to their business needs. This holistic approach empowers small businesses to streamline operations and enhance their market reach.

Session AI, previously known as ZineOne, is an innovative marketing platform focused on enhancing real-time customer interactions in the ecommerce sector. The platform addresses the challenge of anonymous online shopping sessions, utilizing advanced machine learning to analyze customer micro-behaviors and deliver personalized experiences instantly, all without relying on personal or historical data. This capability allows brands to achieve significant increases in conversion rates, with clients such as KOHL's and Men's Wearhouse reporting up to 32% lifts in performance. Session AI's technology facilitates seamless engagement across various digital channels, enabling brands to initiate desired customer actions based on real-time interaction patterns. The company collaborates with major industry players like Adobe and AWS, further establishing its presence in the marketing technology landscape.

Neon is a Brazilian fintech established in 2016, founded by Pedro Conrade in response to the high fees charged by traditional banks. The company pioneered the first digital account in Brazil, focusing on providing a comprehensive range of financial services without abusive fees. Neon's offerings include debit and credit cards, personal loans, payroll loans, and investment options, such as CDBs and CDs, all designed with Brazilian workers in mind. Additionally, through its MEI Fácil initiative, Neon supports individual micro-entrepreneurs by providing financial services and education. The company has experienced significant growth, boasting over 15 million customers and a workforce of more than 1,600 employees. In 2021, Neon tripled its revenue and continues to anticipate strong growth. Neon For Life, an AI-driven buy now, pay later platform, further illustrates the company's commitment to enhancing financial flexibility for modern consumers by simplifying the management of essential expenses. Overall, Neon is redefining banking in Brazil by integrating technology to offer an accessible and user-friendly financial experience.

Kin Insurance, Inc. is a digital insurance agency specializing in homeowners insurance and related products, including mobile home, condo, flood, manufactured home, landlord, umbrella, hurricane, wildfire, and second home insurance. Founded in 2016 and headquartered in Chicago, Illinois, with an additional office in St. Petersburg, Florida, Kin Insurance operates payment processing offices in Palatine and Chicago. By eliminating external agents, Kin Insurance offers a direct-to-consumer model that enhances the convenience and affordability of homeowners insurance. The company's technology platform provides a seamless user experience, personalized coverage options, and efficient claims processing. Kin leverages extensive property data to deliver precise pricing and improve underwriting outcomes.

Hummingbird is a platform for managing anti-money laundering (AML) operations. Compliance professionals use Hummingbird to collect case information, conduct investigations, and report on unusual or suspicious behaviors. The platform dramatically reduces paperwork and improves efficiency, enabling AML investigators to refocus on fighting financial crime. Hummingbird’s founding team brings together product and regulatory experience from organizations like Square, Plaid, IDEO, the Department of the Treasury, and the OCC. Hummingbird is using data and design to modernize regulatory compliance in finance.

SWAP provides a modular payment platform that enables companies to enhance their financial operations through innovative technology and a unique business model. By offering APIs for end-to-end, white-label financial solutions, SWAP allows clients to create comprehensive financial ecosystems that include features such as pre-paid cards, digital wallets, and various financial services. This platform facilitates secure money disbursements to merchants, assists with fund collection and bill payments, and supports peer-to-peer transactions via QR codes. By integrating these services, SWAP empowers businesses to expand their core offerings, eliminate barriers, and develop new revenue streams, effectively establishing internal fintech capabilities.

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 focused on providing rural insurance products to farmers in India. The company aims to enhance insurance penetration in rural areas and reduce costs by utilizing technology and a unique distribution strategy. Its mobile insurance platform allows partners to digitally onboard customers at any time, offering various collection options tailored to the needs of rural clientele. GramCover employs extensive data sets and robust underwriting capabilities, leveraging systems like Jan Dhan and Aadhar to facilitate customer engagement. Additionally, the platform features a comprehensive risk analysis tool for crop insurance, enabling insurers and corporates to create personalized insurance products and improve risk assessment. Through these innovations, GramCover strives to make insurance more accessible and efficient for the rural population.

Apollo Agriculture Ltd. is an agtech company based in Nairobi, Kenya, that supports smallholder farmers by providing financial and technical assistance. Founded in 2015, the company offers loans to help farmers acquire essential inputs such as fertilizer, seeds, and crop insurance, along with access to expert advice. By utilizing agronomic machine learning, remote sensing, and mobile technology, Apollo customizes financing packages based on individual farmer needs, assessing credit risk through satellite and soil data. This tailored approach aims to enhance farming practices and significantly increase crop yields, thereby maximizing profits for farmers in emerging markets.

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 platform focused on providing comprehensive financial solutions to under-banked individuals and households. Founded in 2017 and headquartered in Chennai, Tamil Nadu, the platform aims to help customers achieve their financial goals by offering tailored services that address the specific challenges faced by this demographic, such as volatile income and limited financial literacy. By creating individual profiles based on various data sources, Kaleidofin customizes its offerings to meet the unique needs of each customer. The platform also emphasizes goal-based financial planning, enabling users to save and invest effectively despite financial uncertainties. Through the use of analytics and user-centered design, Kaleidofin strives to improve financial outcomes for its clients.