General Catalyst

General Catalyst Group Management, LLC is a private equity and venture capital firm founded in 2000 and based in Cambridge, Massachusetts, with additional offices in North America and Europe. The firm specializes in early-stage and growth equity investments, focusing on a wide range of technology sectors, including advanced materials, clean energy, disruptive technology, healthcare IT, and consumer services, among others. General Catalyst typically invests between $0.05 million and $0.25 million in seed-stage companies and between $10 million and $50 million in growth equity, seeking profitable firms with substantial revenue and EBITDA. Their approach emphasizes mentorship and collaboration, fostering strong relationships with entrepreneurs who share their vision and values. They have managed eight venture capital funds, accumulating around $3.75 billion in capital commitments, reflecting their commitment to supporting innovative companies throughout their growth journey.

Adrian Abeijon

Investor

Mark Allen

CFO

Juliet Bailin

Principal

Brian Bedol

Managing Director

Marc Bhargava

Managing Director

Chris Bischoff

Managing Director

Larry Bohn

Managing Director

Kristen Camarota

Investor

Kenneth Chenault

Chairman and Managing Director

Quentin Clark

Managing Director

Mark Crane

Partner, Investment Team

Joel Cutler

Co-Founder and Managing Director

Christopher Davis

Partner, Investments

Kyle Doherty

Managing Director, Investments

Bill Fitzgerald

Co-Founder and Special Advisors

Molly Blaauw Gillis

Partner and Chief of Staff

Jeremy Goldstein

Partner

Julia Goodman

Investor

Drew Gordon

Investor

Steve Herrod

Managing Director

Tony Ho

Investor

Diana Hong

Investor

Mina Hsiang

Associate

Paula Hübner

Partner

Nmachi Jidenma

Partner

Christopher Kauffman

Principal and Member of the Investment Team

Zak Kukoff

Principal

Bill Kung

Principal

Paul Kwan

Managing Director

Alexandre Momeni

Executive, Investments and Partner

Deep Nishar

Managing Director

Dipchand ("Deep") Nishar

Managing Director

Reva Nohria

Principal

Trevor Oelschig

Managing Director

Pranay Orugunta

Healthcare Investor

Mo Punjwani

Associate, Investments

Candace Richardson

Principal

Max Rimpel

Partner

Paul Sagan

Investor

Pranav Singhvi

Managing Director

Vedant Suri

Investor

Alex Tran

Managing Director

Catherine Tu

Partner

Elena Viboch

Partner

Andrea Wang

Principal, Early Stage Investment

Vincent Zhu

Investor

Past deals in FinTech

Clara

Series B in 2023
Clara is a financial technology company focused on simplifying home mortgage financing for individuals and families. By leveraging advanced technology, Clara aims to enhance the efficiency, transparency, and personalization of the mortgage origination process. Its online lending platform facilitates an easy and streamlined experience for consumers, allowing them to secure home financing quickly and clearly. In addition to its mortgage offerings, Clara also provides a suite of financial tools designed for businesses, including corporate expense management solutions, corporate cards, and bill payment services. This comprehensive approach enables both consumers and businesses to manage their financial needs with greater ease and control.

CashFlo

Series B in 2022
Cashflo operates a digital marketplace focused on supply chain financing, facilitating collaboration among buyers, suppliers, and distributors for early payment solutions. Established in 1992 and headquartered in Mumbai, Maharashtra, India, Cashflo serves small and medium-sized enterprises (SMEs) across more than 30 cities. The company is also known as Cashflow Investments (India) Private Limited. With plans for business expansion, Cashflo aims to enhance its platform and grow its workforce to around 75 employees within the next two years. The recent infusion of funds will support these initiatives, enabling the company to implement its growth strategies effectively.

Fitmint

Seed Round in 2022
Fitmint is a fitness application that incentivizes users to engage in physical activities by rewarding them with cryptocurrency tokens for calories burned. The app tracks various workouts, including walking, running, swimming, cycling, and sports activities, allowing users to compete with friends and monitor their fitness progress. By turning everyday exercise into a rewarding experience, Fitmint aims to motivate individuals to enhance their fitness levels while enjoying a social and competitive environment. The platform effectively transforms routine workouts into engaging challenges, promoting a healthier lifestyle through a unique move-to-earn model.

Flexpa

Seed Round in 2022
Flexpa is a healthcare technology company founded in 2021 and based in San Francisco, California. It specializes in developing a platform that allows digital health applications to connect with patient access APIs and integrate claims histories. By digitizing data collected from various healthcare providers, Flexpa creates analytics dashboards that enable healthcare professionals to track individual and group patient outcomes. This integration of diagnostic tests and lab reports helps providers make informed decisions regarding treatment plans and pharmaceutical options, ultimately aiming to enhance healthcare outcomes.

Finch

Series A in 2022
Finch is a developer of an application programming interface (API) that facilitates access to payroll and human resources systems. Founded in 2020 and based in Mountain View, California, the company's software allows administrators to connect their organizations to various applications in a compliant and secure manner. Finch's API integrates across multiple providers, enabling developers to access previously closed systems and serve as the source of truth for employee data and financial transactions. The platform supports a range of use cases, including lending, insurance, benefits, financial planning and analysis, and HR applications. Additionally, Finch's technology streamlines processes such as income verification, direct deposit transitions, and background checks for prospective employees.

Remote

Series C in 2022
Remote Technology, Inc. provides a comprehensive human resource technology platform that specializes in payroll, benefits, compliance, and tax services for businesses employing distributed teams. Founded in 2017 and based in San Francisco, the company simplifies international payroll and compliance processes for both employees and contractors. Remote's platform allows organizations to manage onboarding, automatic payments, and various statutory obligations, such as social and pension contributions and income tax retention, while connecting candidates with remote job opportunities. By addressing the complexities of global employment, Remote enables companies to focus on their workforce and enhance productivity without compliance risks.

FarMart

Series B in 2022
FarMart Service Private Limited operates an online marketplace that connects farmers who own agricultural machinery with those who need it on a pay-per-use basis. Founded in 2015 and based in Gurugram, India, the company has developed a mobile app that allows farmers to order agri-machinery, select delivery dates, and even rent machinery via phone. Given that a significant portion of Indian farmers possess less than one hectare of land, FarMart addresses the challenge of limited access to machinery, thereby enhancing productivity while minimizing costs. The platform not only facilitates the rental and sharing of machinery but also contributes to rural entrepreneurship by providing farmers with access to modern agricultural technology. Additionally, FarMart connects farmers with retailers and food businesses, enabling them to sell their products at competitive prices.

Mosaic.tech

Series B in 2022
Mosaic.tech combines big data and machine learning that provides predictive reporting capabilities, leveling the playing field, and giving startups tools and insights for large enterprises. Its one-click integrations and real-time analytics offer clear insights and straightforward recommendations. Mosaic provides greater visibility into the most important dynamics of the business. Founded in 2019, Mosaic.tech is headquartered in San Diego, California.

Ponto

Seed Round in 2022
Developer of financial infrastructure platform designed to link global financial products to local economies. The company's software connects decentralized currency to the centralized world through cryptocurrency and mobile money in fast-growing markets, enabling users to access the local economy effortlessly.

Flashfood

Series A in 2022
Flashfood Inc. is a Toronto-based company that has developed an app aimed at reducing food wastage by connecting grocery stores and restaurants with consumers looking for discounted surplus food. The platform allows vendors to sell high-quality, surplus items at steep discounts, thereby increasing their revenue while simultaneously providing savings for shoppers. Users can browse local deals, purchase items directly through the app, and pick them up in-store. Since its founding in 2016, Flashfood has focused on addressing the issues of food waste and promoting sustainability in the food supply chain.

Nirvana Insurance

Series A in 2022
Operator of a commercial insurance platform intended to help fleets to improve safety and reduce costs. The company's platform offers AI-powered insights and continuous risk monitoring fleets to understand driving and improve safety performance, which ultimately reduces accidents and also creates quality and easy-to-use experiences, enabling clients to avail themselves of insurance services conveniently.

R2

Seed Round in 2022
R2 Capital provides flexible working capital to SMBs in Latin America by embedding onto payment processors, POS systems, and marketplace apps. The company was founded in 2020, and currently operates in Mexico, Colombia, and Ecuador.

Uni Cards

Series A in 2021
Uni provides new-age credit cards for the digital generation. Uni aims to bridge the gap in the credit card market by making them more accessible to consumers across different regions.

Clara

Series B in 2021
Clara is a financial technology company focused on simplifying home mortgage financing for individuals and families. By leveraging advanced technology, Clara aims to enhance the efficiency, transparency, and personalization of the mortgage origination process. Its online lending platform facilitates an easy and streamlined experience for consumers, allowing them to secure home financing quickly and clearly. In addition to its mortgage offerings, Clara also provides a suite of financial tools designed for businesses, including corporate expense management solutions, corporate cards, and bill payment services. This comprehensive approach enables both consumers and businesses to manage their financial needs with greater ease and control.

Hometap

Venture Round in 2021
Hometap Equity Partners, LLC, based in Boston, Massachusetts, offers homeowners a unique financial solution by providing cash through home equity investments without the burden of debt. Founded in 2017, Hometap allows homeowners to access up to 20 percent of their home's value, enabling them to receive immediate funds for various needs without incurring interest rates, monthly payments, or credit score requirements. This innovative approach aims to enhance financial stability and freedom for homeowners, thereby transforming the traditional landscape of home financing. In addition to its investment services, Hometap also emphasizes homeowner education through a data-driven platform, further supporting its mission to change the face of homeownership.

Stori

Series C in 2021
Stori is a financial services company focused on providing inclusive solutions in Latin America through innovative technology. The company connects consumers with personal loan officers, enabling them to select financial products that align with their specific financial situations. Stori's platform not only helps users choose suitable loans but also guides them through the application process, ensuring a smoother experience. Founded in 2017 and based in Vienna, Virginia, Stori aims to enhance access to financial services for underserved populations in the region.

Mono

Series A in 2021
Mono is a financial data infrastructure company based in Nigeria, founded in 2020. It develops an application programming interface (API) platform that enables digital businesses in Africa to access customers' financial and identity data. Mono's services include generating bank statements, verifying account details, initiating payments, and conducting credit checks. The company serves a diverse range of clients, including fintech firms such as Carbon, Flutterwave, Indicina, and Renmoney, as well as various developers. Through its innovative platform, Mono aims to enhance financial accessibility and streamline transactions for businesses across the continent.

Origin

Series B in 2021
Developer of a money management platform designed to educate employees in managing their finances. The company's platform combines human financial planners with financial technology that educates and helps to create, execute, and track personalized financial plans, enabling workers to manage their entire financial lives in one place and receive personalized guidance along the way.

Remote

Series B in 2021
Remote Technology, Inc. provides a comprehensive human resource technology platform that specializes in payroll, benefits, compliance, and tax services for businesses employing distributed teams. Founded in 2017 and based in San Francisco, the company simplifies international payroll and compliance processes for both employees and contractors. Remote's platform allows organizations to manage onboarding, automatic payments, and various statutory obligations, such as social and pension contributions and income tax retention, while connecting candidates with remote job opportunities. By addressing the complexities of global employment, Remote enables companies to focus on their workforce and enhance productivity without compliance risks.

Tendo

Series B in 2021
Tendo Technologies Limited, founded in 2018 and based in London, develops innovative software aimed at enhancing economic security for frontline employees, particularly in the healthcare sector. The company's platform allows users to maintain a portable record of their work, including skills and hours worked, facilitating better management of workforce training and retention. By focusing on the integration of healthcare experiences, Tendo aims to improve clinical outcomes and operational efficiency for patients, clinicians, and caregivers alike. Their cloud-native and configurable solution streamlines workflows, enabling healthcare professionals to dedicate more time to patient care and less to administrative tasks. Through these efforts, Tendo aspires to create a more connected, efficient, and user-friendly healthcare environment.

Atom Finance

Series B in 2021
Atom Finance, Inc. operates an online investment research platform aimed at individual investors of varying skill levels. Founded in 2018 and based in Brooklyn, New York, the company provides a comprehensive platform that offers institutional-quality data, documents, news, and events related to companies. This platform facilitates the aggregation and comparison of information, allowing users to conduct thorough research. Additionally, Atom Finance delivers global enterprise software, including APIs and embeddable user interfaces, along with insights and dynamic tools that enhance user engagement throughout the investment process, from research to trade execution. By catering to both novice and experienced investors, Atom Finance empowers individuals to make informed investment decisions.

FamPay

Series A in 2021
FamPay Solutions Private Limited is a Bengaluru-based company that provides a digital payment application specifically designed for teenagers and their families. Incorporated in 2019, FamPay enables minors to conduct various payment activities, including UPI, peer-to-peer (P2P) transactions, and card payments, without requiring a traditional bank account. The application allows parents to send money to their children, who can then spend it securely at online and in-store merchants under parental supervision. By focusing on the unique needs of younger users, FamPay aims to create a seamless and enjoyable payment experience for teenagers while ensuring financial safety and accountability.

Trellis

Series A in 2021
Developer of fintech platform intended to make insurance easy for everyone, from consumers to partners to insurers. The company's platform provides a safe and easy way to share private insurance information and for developers to replace complex user journeys with personalized experiences, enabling clients to get suitable insurance at a proper price.

Clara

Series A in 2021
Clara is a financial technology company focused on simplifying home mortgage financing for individuals and families. By leveraging advanced technology, Clara aims to enhance the efficiency, transparency, and personalization of the mortgage origination process. Its online lending platform facilitates an easy and streamlined experience for consumers, allowing them to secure home financing quickly and clearly. In addition to its mortgage offerings, Clara also provides a suite of financial tools designed for businesses, including corporate expense management solutions, corporate cards, and bill payment services. This comprehensive approach enables both consumers and businesses to manage their financial needs with greater ease and control.

Clara

Series A in 2021
Clara is a financial technology company focused on simplifying home mortgage financing for individuals and families. By leveraging advanced technology, Clara aims to enhance the efficiency, transparency, and personalization of the mortgage origination process. Its online lending platform facilitates an easy and streamlined experience for consumers, allowing them to secure home financing quickly and clearly. In addition to its mortgage offerings, Clara also provides a suite of financial tools designed for businesses, including corporate expense management solutions, corporate cards, and bill payment services. This comprehensive approach enables both consumers and businesses to manage their financial needs with greater ease and control.

Shift Technology

Series D in 2021
Shift Technology SAS is a Paris-based company that develops a software-as-a-service platform tailored for the insurance industry. Founded in 2013, it leverages artificial intelligence and extensive data analysis to identify patterns and detect fraudulent insurance claims. The company offers two primary solutions: FORCE, designed for fraud detection, and Luke, which automates claims processing for handlers and managers. Shift Technology addresses critical processes throughout the insurance policy lifecycle, enabling insurers to achieve faster and more accurate claims resolutions. With a significant analysis of billions of insurance transactions, the company has received recognition for its innovative contributions to the industry, including an award for market leadership in claims solutions. In addition to its headquarters in Paris, Shift Technology has established offices in major cities worldwide, including Boston, Tokyo, London, and Singapore.

Step

Series C in 2021
Step Mobile, Inc. is a financial services company that offers a mobile banking application designed specifically for teens and families. Founded in 2018 and located in Palo Alto, California, Step aims to empower young individuals by providing them with tools and resources to manage their finances effectively. The platform focuses on enhancing financial literacy and independence among its users, helping them understand their money management habits while rewarding them for their financial progress. With a team boasting over 50 years of combined experience in financial technology, Step's mission is to create a banking experience that fosters smarter financial decisions and promotes overall financial well-being for the younger generation.

Tendo

Series A in 2021
Tendo Technologies Limited, founded in 2018 and based in London, develops innovative software aimed at enhancing economic security for frontline employees, particularly in the healthcare sector. The company's platform allows users to maintain a portable record of their work, including skills and hours worked, facilitating better management of workforce training and retention. By focusing on the integration of healthcare experiences, Tendo aims to improve clinical outcomes and operational efficiency for patients, clinicians, and caregivers alike. Their cloud-native and configurable solution streamlines workflows, enabling healthcare professionals to dedicate more time to patient care and less to administrative tasks. Through these efforts, Tendo aspires to create a more connected, efficient, and user-friendly healthcare environment.

Rapyd

Series E in 2021
Rapyd Financial Network operates as a mobile financial network that offers a comprehensive fintech-as-a-service platform designed to facilitate various payment services. Founded in 2015 and headquartered in London, with additional offices in Singapore, Silicon Valley, and Tel Aviv, Rapyd provides a modular suite of services including funds collection, fund disbursements, eWallet management, compliance, foreign exchange, and card issuing. Its platform integrates local financial specialists globally, allowing ecommerce merchants, gig economy platforms, online lenders, and traditional banks to access multiple payment methods through a single API and SDK. This enables users to perform cash transactions easily, without the need for a bank account or card, thereby enhancing the financial infrastructure for diverse markets worldwide.

Clara

Pre Seed Round in 2021
Clara is a financial technology company focused on simplifying home mortgage financing for individuals and families. By leveraging advanced technology, Clara aims to enhance the efficiency, transparency, and personalization of the mortgage origination process. Its online lending platform facilitates an easy and streamlined experience for consumers, allowing them to secure home financing quickly and clearly. In addition to its mortgage offerings, Clara also provides a suite of financial tools designed for businesses, including corporate expense management solutions, corporate cards, and bill payment services. This comprehensive approach enables both consumers and businesses to manage their financial needs with greater ease and control.

Monzo

Series G in 2021
Monzo Bank Limited is a digital-only bank based in London, United Kingdom, offering a range of financial services including current accounts, savings accounts, overdrafts, and loans for both individuals and businesses. Established in 2015 and rebranded from FOCUS FS LIMITED in 2016, Monzo focuses on providing an efficient online banking experience through its mobile application, catering to tech-savvy customers who prefer managing their finances without traditional bank branches. The platform allows users to spend, save, and manage their money seamlessly, with real-time balance updates, intelligent notifications, and comprehensive tracking of transactions. Monzo aims to serve as a central hub for users' financial activities, enhancing their overall banking experience.

Mosaic.tech

Series A in 2021
Mosaic.tech combines big data and machine learning that provides predictive reporting capabilities, leveling the playing field, and giving startups tools and insights for large enterprises. Its one-click integrations and real-time analytics offer clear insights and straightforward recommendations. Mosaic provides greater visibility into the most important dynamics of the business. Founded in 2019, Mosaic.tech is headquartered in San Diego, California.

Rapyd

Series D in 2021
Rapyd Financial Network operates as a mobile financial network that offers a comprehensive fintech-as-a-service platform designed to facilitate various payment services. Founded in 2015 and headquartered in London, with additional offices in Singapore, Silicon Valley, and Tel Aviv, Rapyd provides a modular suite of services including funds collection, fund disbursements, eWallet management, compliance, foreign exchange, and card issuing. Its platform integrates local financial specialists globally, allowing ecommerce merchants, gig economy platforms, online lenders, and traditional banks to access multiple payment methods through a single API and SDK. This enables users to perform cash transactions easily, without the need for a bank account or card, thereby enhancing the financial infrastructure for diverse markets worldwide.

Nirvana Insurance

Seed Round in 2021
Operator of a commercial insurance platform intended to help fleets to improve safety and reduce costs. The company's platform offers AI-powered insights and continuous risk monitoring fleets to understand driving and improve safety performance, which ultimately reduces accidents and also creates quality and easy-to-use experiences, enabling clients to avail themselves of insurance services conveniently.

Finch

Seed Round in 2020
Finch is a developer of an application programming interface (API) that facilitates access to payroll and human resources systems. Founded in 2020 and based in Mountain View, California, the company's software allows administrators to connect their organizations to various applications in a compliant and secure manner. Finch's API integrates across multiple providers, enabling developers to access previously closed systems and serve as the source of truth for employee data and financial transactions. The platform supports a range of use cases, including lending, insurance, benefits, financial planning and analysis, and HR applications. Additionally, Finch's technology streamlines processes such as income verification, direct deposit transitions, and background checks for prospective employees.

Remote

Series A in 2020
Remote Technology, Inc. provides a comprehensive human resource technology platform that specializes in payroll, benefits, compliance, and tax services for businesses employing distributed teams. Founded in 2017 and based in San Francisco, the company simplifies international payroll and compliance processes for both employees and contractors. Remote's platform allows organizations to manage onboarding, automatic payments, and various statutory obligations, such as social and pension contributions and income tax retention, while connecting candidates with remote job opportunities. By addressing the complexities of global employment, Remote enables companies to focus on their workforce and enhance productivity without compliance risks.

Remote

Series A in 2020
Remote Technology, Inc. provides a comprehensive human resource technology platform that specializes in payroll, benefits, compliance, and tax services for businesses employing distributed teams. Founded in 2017 and based in San Francisco, the company simplifies international payroll and compliance processes for both employees and contractors. Remote's platform allows organizations to manage onboarding, automatic payments, and various statutory obligations, such as social and pension contributions and income tax retention, while connecting candidates with remote job opportunities. By addressing the complexities of global employment, Remote enables companies to focus on their workforce and enhance productivity without compliance risks.

Atom Finance

Series A in 2020
Atom Finance, Inc. operates an online investment research platform aimed at individual investors of varying skill levels. Founded in 2018 and based in Brooklyn, New York, the company provides a comprehensive platform that offers institutional-quality data, documents, news, and events related to companies. This platform facilitates the aggregation and comparison of information, allowing users to conduct thorough research. Additionally, Atom Finance delivers global enterprise software, including APIs and embeddable user interfaces, along with insights and dynamic tools that enhance user engagement throughout the investment process, from research to trade execution. By catering to both novice and experienced investors, Atom Finance empowers individuals to make informed investment decisions.

Monzo

Series G in 2020
Monzo Bank Limited is a digital-only bank based in London, United Kingdom, offering a range of financial services including current accounts, savings accounts, overdrafts, and loans for both individuals and businesses. Established in 2015 and rebranded from FOCUS FS LIMITED in 2016, Monzo focuses on providing an efficient online banking experience through its mobile application, catering to tech-savvy customers who prefer managing their finances without traditional bank branches. The platform allows users to spend, save, and manage their money seamlessly, with real-time balance updates, intelligent notifications, and comprehensive tracking of transactions. Monzo aims to serve as a central hub for users' financial activities, enhancing their overall banking experience.

Origin

Venture Round in 2020
Developer of a money management platform designed to educate employees in managing their finances. The company's platform combines human financial planners with financial technology that educates and helps to create, execute, and track personalized financial plans, enabling workers to manage their entire financial lives in one place and receive personalized guidance along the way.

Finom

Seed Round in 2020
Finom is a financial platform headquartered in Amsterdam, Netherlands, that offers a comprehensive suite of services tailored for entrepreneurs, self-employed individuals, and small to medium-sized enterprises. Launched in 2019, Finom integrates banking, accounting, invoicing, and expense management into a single mobile-first solution. This approach allows users to efficiently manage their finances directly from their smartphones, streamlining financial processes and enhancing productivity. By providing fast and simple online financial services, Finom aims to save time and reduce costs for early-stage businesses and SMEs.

Remote

Seed Round in 2020
Remote Technology, Inc. provides a comprehensive human resource technology platform that specializes in payroll, benefits, compliance, and tax services for businesses employing distributed teams. Founded in 2017 and based in San Francisco, the company simplifies international payroll and compliance processes for both employees and contractors. Remote's platform allows organizations to manage onboarding, automatic payments, and various statutory obligations, such as social and pension contributions and income tax retention, while connecting candidates with remote job opportunities. By addressing the complexities of global employment, Remote enables companies to focus on their workforce and enhance productivity without compliance risks.

Stripe

Series G in 2020
Stripe, Inc. is a global technology company that provides application programming interfaces (APIs) and tools designed to facilitate online payment processing for businesses. Its comprehensive platform includes solutions for payments, subscriptions, fraud detection, and data analytics, among others. Stripe's offerings, such as Stripe Connect for routing payments, Stripe Radar for fraud prevention, and Stripe Checkout for seamless transaction processes, cater to a diverse clientele ranging from startups to established enterprises. The company also addresses financing challenges faced by online businesses through Stripe Capital, which offers fast and flexible funding options. With operations in multiple countries, including the United States, the United Kingdom, and Singapore, Stripe aims to simplify financial infrastructure and support the growth of internet-based businesses, thereby contributing to the overall economic landscape of the digital economy. Founded in 2010 and headquartered in San Francisco, California, Stripe has established partnerships with leading technology firms to enhance its service capabilities.

Remote

Seed Round in 2020
Remote Technology, Inc. provides a comprehensive human resource technology platform that specializes in payroll, benefits, compliance, and tax services for businesses employing distributed teams. Founded in 2017 and based in San Francisco, the company simplifies international payroll and compliance processes for both employees and contractors. Remote's platform allows organizations to manage onboarding, automatic payments, and various statutory obligations, such as social and pension contributions and income tax retention, while connecting candidates with remote job opportunities. By addressing the complexities of global employment, Remote enables companies to focus on their workforce and enhance productivity without compliance risks.

FastForward.ai

Seed Round in 2020
FastForward.ai is a social media engagement and commerce platform that empowers enterprises to connect with customers and facilitate transactions within social media and messaging applications. Founded in Mountain View, California, the company offers a software-as-a-service platform that modernizes digital marketing, commerce, and payment processes. Its patented technology enables businesses to engage users effectively with one-click digital commerce options, allowing customers to access personalized offers, make purchases, and review their transaction history seamlessly. By integrating with popular messaging apps, FastForward.ai aims to enhance user experiences and drive brand awareness, catering to the increasing time consumers spend online. The company was established in 2016 and continues to innovate in the realm of social retail marketing.

Hometap

Series B in 2019
Hometap Equity Partners, LLC, based in Boston, Massachusetts, offers homeowners a unique financial solution by providing cash through home equity investments without the burden of debt. Founded in 2017, Hometap allows homeowners to access up to 20 percent of their home's value, enabling them to receive immediate funds for various needs without incurring interest rates, monthly payments, or credit score requirements. This innovative approach aims to enhance financial stability and freedom for homeowners, thereby transforming the traditional landscape of home financing. In addition to its investment services, Hometap also emphasizes homeowner education through a data-driven platform, further supporting its mission to change the face of homeownership.

Origin

Seed Round in 2019
Developer of a money management platform designed to educate employees in managing their finances. The company's platform combines human financial planners with financial technology that educates and helps to create, execute, and track personalized financial plans, enabling workers to manage their entire financial lives in one place and receive personalized guidance along the way.

Atom Finance

Series A in 2019
Atom Finance, Inc. operates an online investment research platform aimed at individual investors of varying skill levels. Founded in 2018 and based in Brooklyn, New York, the company provides a comprehensive platform that offers institutional-quality data, documents, news, and events related to companies. This platform facilitates the aggregation and comparison of information, allowing users to conduct thorough research. Additionally, Atom Finance delivers global enterprise software, including APIs and embeddable user interfaces, along with insights and dynamic tools that enhance user engagement throughout the investment process, from research to trade execution. By catering to both novice and experienced investors, Atom Finance empowers individuals to make informed investment decisions.

Atom Finance

Series A in 2019
Atom Finance, Inc. operates an online investment research platform aimed at individual investors of varying skill levels. Founded in 2018 and based in Brooklyn, New York, the company provides a comprehensive platform that offers institutional-quality data, documents, news, and events related to companies. This platform facilitates the aggregation and comparison of information, allowing users to conduct thorough research. Additionally, Atom Finance delivers global enterprise software, including APIs and embeddable user interfaces, along with insights and dynamic tools that enhance user engagement throughout the investment process, from research to trade execution. By catering to both novice and experienced investors, Atom Finance empowers individuals to make informed investment decisions.

Rapyd

Series C in 2019
Rapyd Financial Network operates as a mobile financial network that offers a comprehensive fintech-as-a-service platform designed to facilitate various payment services. Founded in 2015 and headquartered in London, with additional offices in Singapore, Silicon Valley, and Tel Aviv, Rapyd provides a modular suite of services including funds collection, fund disbursements, eWallet management, compliance, foreign exchange, and card issuing. Its platform integrates local financial specialists globally, allowing ecommerce merchants, gig economy platforms, online lenders, and traditional banks to access multiple payment methods through a single API and SDK. This enables users to perform cash transactions easily, without the need for a bank account or card, thereby enhancing the financial infrastructure for diverse markets worldwide.

Digit

Series C in 2019
Digit, Inc. is a financial technology company based in San Francisco, California, that specializes in a mobile application designed to help users manage their finances effectively. Founded in 2012, the app analyzes users' spending habits and automatically saves a tailored amount of money each day, based on their income and expenditure patterns. By utilizing machine learning and insights from behavioral psychology, Digit aims to reduce the stress associated with financial management and assists users in building a secure financial future. The platform keeps savings in a separate account and adjusts the savings amount daily, helping users achieve their financial goals without requiring constant attention.

Fundbox

Series C in 2019
Fundbox, Inc. is a technology company based in San Francisco, California, with an additional office in Plano, Texas, that specializes in providing payment and credit solutions for small and mid-size businesses (SMBs). Founded in 2013, Fundbox operates an AI-driven cash flow management platform designed to streamline business payments and enhance credit network systems. By leveraging machine learning and deep data analytics, Fundbox offers invoice financing and lines of credit, enabling businesses to improve their cash flow by accelerating payments against outstanding invoices. This allows sellers of all sizes to enhance their average order volumes and close rates by providing more competitive payment terms to their SMB buyers, thereby disrupting the B2B commerce market.

Stripe

Series G in 2019
Stripe, Inc. is a global technology company that provides application programming interfaces (APIs) and tools designed to facilitate online payment processing for businesses. Its comprehensive platform includes solutions for payments, subscriptions, fraud detection, and data analytics, among others. Stripe's offerings, such as Stripe Connect for routing payments, Stripe Radar for fraud prevention, and Stripe Checkout for seamless transaction processes, cater to a diverse clientele ranging from startups to established enterprises. The company also addresses financing challenges faced by online businesses through Stripe Capital, which offers fast and flexible funding options. With operations in multiple countries, including the United States, the United Kingdom, and Singapore, Stripe aims to simplify financial infrastructure and support the growth of internet-based businesses, thereby contributing to the overall economic landscape of the digital economy. Founded in 2010 and headquartered in San Francisco, California, Stripe has established partnerships with leading technology firms to enhance its service capabilities.

Monzo

Series F in 2019
Monzo Bank Limited is a digital-only bank based in London, United Kingdom, offering a range of financial services including current accounts, savings accounts, overdrafts, and loans for both individuals and businesses. Established in 2015 and rebranded from FOCUS FS LIMITED in 2016, Monzo focuses on providing an efficient online banking experience through its mobile application, catering to tech-savvy customers who prefer managing their finances without traditional bank branches. The platform allows users to spend, save, and manage their money seamlessly, with real-time balance updates, intelligent notifications, and comprehensive tracking of transactions. Monzo aims to serve as a central hub for users' financial activities, enhancing their overall banking experience.

Trellis

Seed Round in 2019
Developer of fintech platform intended to make insurance easy for everyone, from consumers to partners to insurers. The company's platform provides a safe and easy way to share private insurance information and for developers to replace complex user journeys with personalized experiences, enabling clients to get suitable insurance at a proper price.

Shift Technology

Series C in 2019
Shift Technology SAS is a Paris-based company that develops a software-as-a-service platform tailored for the insurance industry. Founded in 2013, it leverages artificial intelligence and extensive data analysis to identify patterns and detect fraudulent insurance claims. The company offers two primary solutions: FORCE, designed for fraud detection, and Luke, which automates claims processing for handlers and managers. Shift Technology addresses critical processes throughout the insurance policy lifecycle, enabling insurers to achieve faster and more accurate claims resolutions. With a significant analysis of billions of insurance transactions, the company has received recognition for its innovative contributions to the industry, including an award for market leadership in claims solutions. In addition to its headquarters in Paris, Shift Technology has established offices in major cities worldwide, including Boston, Tokyo, London, and Singapore.

Flashfood

Series A in 2019
Flashfood Inc. is a Toronto-based company that has developed an app aimed at reducing food wastage by connecting grocery stores and restaurants with consumers looking for discounted surplus food. The platform allows vendors to sell high-quality, surplus items at steep discounts, thereby increasing their revenue while simultaneously providing savings for shoppers. Users can browse local deals, purchase items directly through the app, and pick them up in-store. Since its founding in 2016, Flashfood has focused on addressing the issues of food waste and promoting sustainability in the food supply chain.

Rapyd

Series B in 2019
Rapyd Financial Network operates as a mobile financial network that offers a comprehensive fintech-as-a-service platform designed to facilitate various payment services. Founded in 2015 and headquartered in London, with additional offices in Singapore, Silicon Valley, and Tel Aviv, Rapyd provides a modular suite of services including funds collection, fund disbursements, eWallet management, compliance, foreign exchange, and card issuing. Its platform integrates local financial specialists globally, allowing ecommerce merchants, gig economy platforms, online lenders, and traditional banks to access multiple payment methods through a single API and SDK. This enables users to perform cash transactions easily, without the need for a bank account or card, thereby enhancing the financial infrastructure for diverse markets worldwide.

Monzo

Series E in 2018
Monzo Bank Limited is a digital-only bank based in London, United Kingdom, offering a range of financial services including current accounts, savings accounts, overdrafts, and loans for both individuals and businesses. Established in 2015 and rebranded from FOCUS FS LIMITED in 2016, Monzo focuses on providing an efficient online banking experience through its mobile application, catering to tech-savvy customers who prefer managing their finances without traditional bank branches. The platform allows users to spend, save, and manage their money seamlessly, with real-time balance updates, intelligent notifications, and comprehensive tracking of transactions. Monzo aims to serve as a central hub for users' financial activities, enhancing their overall banking experience.

Stripe

Series E in 2018
Stripe, Inc. is a global technology company that provides application programming interfaces (APIs) and tools designed to facilitate online payment processing for businesses. Its comprehensive platform includes solutions for payments, subscriptions, fraud detection, and data analytics, among others. Stripe's offerings, such as Stripe Connect for routing payments, Stripe Radar for fraud prevention, and Stripe Checkout for seamless transaction processes, cater to a diverse clientele ranging from startups to established enterprises. The company also addresses financing challenges faced by online businesses through Stripe Capital, which offers fast and flexible funding options. With operations in multiple countries, including the United States, the United Kingdom, and Singapore, Stripe aims to simplify financial infrastructure and support the growth of internet-based businesses, thereby contributing to the overall economic landscape of the digital economy. Founded in 2010 and headquartered in San Francisco, California, Stripe has established partnerships with leading technology firms to enhance its service capabilities.

Circle

Series E in 2018
Circle is a financial technology company that leverages blockchain technology to facilitate the sending, receiving, and investing of cryptocurrency assets globally. Founded in 2013 by Jeremy Allaire and Sean Neville, Circle offers a user-friendly online platform that simplifies money transfers and includes services such as Circle Pay for peer-to-peer payments. In addition, the company provides Circle Invest, allowing users to buy and sell cryptocurrencies, and Circle Trade, which operates a trading desk with a substantial liquidity pool for digital assets, averaging $2 billion in monthly trading volume. With significant backing from investors, including notable firms such as Goldman Sachs and Accel Partners, Circle has established a presence in major cities, including Boston, New York, San Francisco, Dublin, London, and Hong Kong. The company is dedicated to accelerating global crypto innovation and adoption through its various financial services.

Hometap

Series A in 2018
Hometap Equity Partners, LLC, based in Boston, Massachusetts, offers homeowners a unique financial solution by providing cash through home equity investments without the burden of debt. Founded in 2017, Hometap allows homeowners to access up to 20 percent of their home's value, enabling them to receive immediate funds for various needs without incurring interest rates, monthly payments, or credit score requirements. This innovative approach aims to enhance financial stability and freedom for homeowners, thereby transforming the traditional landscape of home financing. In addition to its investment services, Hometap also emphasizes homeowner education through a data-driven platform, further supporting its mission to change the face of homeownership.

Shift Technology

Series B in 2017
Shift Technology SAS is a Paris-based company that develops a software-as-a-service platform tailored for the insurance industry. Founded in 2013, it leverages artificial intelligence and extensive data analysis to identify patterns and detect fraudulent insurance claims. The company offers two primary solutions: FORCE, designed for fraud detection, and Luke, which automates claims processing for handlers and managers. Shift Technology addresses critical processes throughout the insurance policy lifecycle, enabling insurers to achieve faster and more accurate claims resolutions. With a significant analysis of billions of insurance transactions, the company has received recognition for its innovative contributions to the industry, including an award for market leadership in claims solutions. In addition to its headquarters in Paris, Shift Technology has established offices in major cities worldwide, including Boston, Tokyo, London, and Singapore.

Ualá

Convertible Note in 2017
Ualá is a fintech platform that offers a prepaid MasterCard card to help users keep track of spending, complete transfers, and more. Its native apps link with a Mastercard that allows users to conduct financial transactions such as online or offline purchases, free P2P and top-ups, as well as other payments, both in Argentina and abroad. The platform's technology and proprietary integrations allow for live transactionality, the first and only PFM solution in the market, and secure instant transfers, among others. Uala also allows users to track expenses through an analysis tool. Some selected users can also request a loan through the app. Ualá is available in Argentina for Android and iOS.

Stripe

Series D in 2016
Stripe, Inc. is a global technology company that provides application programming interfaces (APIs) and tools designed to facilitate online payment processing for businesses. Its comprehensive platform includes solutions for payments, subscriptions, fraud detection, and data analytics, among others. Stripe's offerings, such as Stripe Connect for routing payments, Stripe Radar for fraud prevention, and Stripe Checkout for seamless transaction processes, cater to a diverse clientele ranging from startups to established enterprises. The company also addresses financing challenges faced by online businesses through Stripe Capital, which offers fast and flexible funding options. With operations in multiple countries, including the United States, the United Kingdom, and Singapore, Stripe aims to simplify financial infrastructure and support the growth of internet-based businesses, thereby contributing to the overall economic landscape of the digital economy. Founded in 2010 and headquartered in San Francisco, California, Stripe has established partnerships with leading technology firms to enhance its service capabilities.

Stripe

Series D in 2016
Stripe, Inc. is a global technology company that provides application programming interfaces (APIs) and tools designed to facilitate online payment processing for businesses. Its comprehensive platform includes solutions for payments, subscriptions, fraud detection, and data analytics, among others. Stripe's offerings, such as Stripe Connect for routing payments, Stripe Radar for fraud prevention, and Stripe Checkout for seamless transaction processes, cater to a diverse clientele ranging from startups to established enterprises. The company also addresses financing challenges faced by online businesses through Stripe Capital, which offers fast and flexible funding options. With operations in multiple countries, including the United States, the United Kingdom, and Singapore, Stripe aims to simplify financial infrastructure and support the growth of internet-based businesses, thereby contributing to the overall economic landscape of the digital economy. Founded in 2010 and headquartered in San Francisco, California, Stripe has established partnerships with leading technology firms to enhance its service capabilities.

Digit

Series B in 2016
Digit, Inc. is a financial technology company based in San Francisco, California, that specializes in a mobile application designed to help users manage their finances effectively. Founded in 2012, the app analyzes users' spending habits and automatically saves a tailored amount of money each day, based on their income and expenditure patterns. By utilizing machine learning and insights from behavioral psychology, Digit aims to reduce the stress associated with financial management and assists users in building a secure financial future. The platform keeps savings in a separate account and adjusts the savings amount daily, helping users achieve their financial goals without requiring constant attention.

Circle

Series D in 2016
Circle is a financial technology company that leverages blockchain technology to facilitate the sending, receiving, and investing of cryptocurrency assets globally. Founded in 2013 by Jeremy Allaire and Sean Neville, Circle offers a user-friendly online platform that simplifies money transfers and includes services such as Circle Pay for peer-to-peer payments. In addition, the company provides Circle Invest, allowing users to buy and sell cryptocurrencies, and Circle Trade, which operates a trading desk with a substantial liquidity pool for digital assets, averaging $2 billion in monthly trading volume. With significant backing from investors, including notable firms such as Goldman Sachs and Accel Partners, Circle has established a presence in major cities, including Boston, New York, San Francisco, Dublin, London, and Hong Kong. The company is dedicated to accelerating global crypto innovation and adoption through its various financial services.

Payable

Venture Round in 2015
Payable helps thousands of contractors get paid faster and more efficiently. Much more than payments, we're on a mission to strengthen the 1099 workforce by making invoicing, work-tracking, onboarding, and calculating earnings and taxes as simple as possible for both contractors and the companies they work with. Apps are available for iOS, Android, and Web.

Fundbox

Series B in 2015
Fundbox, Inc. is a technology company based in San Francisco, California, with an additional office in Plano, Texas, that specializes in providing payment and credit solutions for small and mid-size businesses (SMBs). Founded in 2013, Fundbox operates an AI-driven cash flow management platform designed to streamline business payments and enhance credit network systems. By leveraging machine learning and deep data analytics, Fundbox offers invoice financing and lines of credit, enabling businesses to improve their cash flow by accelerating payments against outstanding invoices. This allows sellers of all sizes to enhance their average order volumes and close rates by providing more competitive payment terms to their SMB buyers, thereby disrupting the B2B commerce market.

Payable

Seed Round in 2015
Payable helps thousands of contractors get paid faster and more efficiently. Much more than payments, we're on a mission to strengthen the 1099 workforce by making invoicing, work-tracking, onboarding, and calculating earnings and taxes as simple as possible for both contractors and the companies they work with. Apps are available for iOS, Android, and Web.

Digit

Series A in 2015
Digit, Inc. is a financial technology company based in San Francisco, California, that specializes in a mobile application designed to help users manage their finances effectively. Founded in 2012, the app analyzes users' spending habits and automatically saves a tailored amount of money each day, based on their income and expenditure patterns. By utilizing machine learning and insights from behavioral psychology, Digit aims to reduce the stress associated with financial management and assists users in building a secure financial future. The platform keeps savings in a separate account and adjusts the savings amount daily, helping users achieve their financial goals without requiring constant attention.

Circle

Series C in 2015
Circle is a financial technology company that leverages blockchain technology to facilitate the sending, receiving, and investing of cryptocurrency assets globally. Founded in 2013 by Jeremy Allaire and Sean Neville, Circle offers a user-friendly online platform that simplifies money transfers and includes services such as Circle Pay for peer-to-peer payments. In addition, the company provides Circle Invest, allowing users to buy and sell cryptocurrencies, and Circle Trade, which operates a trading desk with a substantial liquidity pool for digital assets, averaging $2 billion in monthly trading volume. With significant backing from investors, including notable firms such as Goldman Sachs and Accel Partners, Circle has established a presence in major cities, including Boston, New York, San Francisco, Dublin, London, and Hong Kong. The company is dedicated to accelerating global crypto innovation and adoption through its various financial services.

Fundbox

Series B in 2015
Fundbox, Inc. is a technology company based in San Francisco, California, with an additional office in Plano, Texas, that specializes in providing payment and credit solutions for small and mid-size businesses (SMBs). Founded in 2013, Fundbox operates an AI-driven cash flow management platform designed to streamline business payments and enhance credit network systems. By leveraging machine learning and deep data analytics, Fundbox offers invoice financing and lines of credit, enabling businesses to improve their cash flow by accelerating payments against outstanding invoices. This allows sellers of all sizes to enhance their average order volumes and close rates by providing more competitive payment terms to their SMB buyers, thereby disrupting the B2B commerce market.

Stripe

Series C in 2014
Stripe, Inc. is a global technology company that provides application programming interfaces (APIs) and tools designed to facilitate online payment processing for businesses. Its comprehensive platform includes solutions for payments, subscriptions, fraud detection, and data analytics, among others. Stripe's offerings, such as Stripe Connect for routing payments, Stripe Radar for fraud prevention, and Stripe Checkout for seamless transaction processes, cater to a diverse clientele ranging from startups to established enterprises. The company also addresses financing challenges faced by online businesses through Stripe Capital, which offers fast and flexible funding options. With operations in multiple countries, including the United States, the United Kingdom, and Singapore, Stripe aims to simplify financial infrastructure and support the growth of internet-based businesses, thereby contributing to the overall economic landscape of the digital economy. Founded in 2010 and headquartered in San Francisco, California, Stripe has established partnerships with leading technology firms to enhance its service capabilities.

Circle

Series B in 2014
Circle is a financial technology company that leverages blockchain technology to facilitate the sending, receiving, and investing of cryptocurrency assets globally. Founded in 2013 by Jeremy Allaire and Sean Neville, Circle offers a user-friendly online platform that simplifies money transfers and includes services such as Circle Pay for peer-to-peer payments. In addition, the company provides Circle Invest, allowing users to buy and sell cryptocurrencies, and Circle Trade, which operates a trading desk with a substantial liquidity pool for digital assets, averaging $2 billion in monthly trading volume. With significant backing from investors, including notable firms such as Goldman Sachs and Accel Partners, Circle has established a presence in major cities, including Boston, New York, San Francisco, Dublin, London, and Hong Kong. The company is dedicated to accelerating global crypto innovation and adoption through its various financial services.

Circle

Series A in 2013
Circle is a financial technology company that leverages blockchain technology to facilitate the sending, receiving, and investing of cryptocurrency assets globally. Founded in 2013 by Jeremy Allaire and Sean Neville, Circle offers a user-friendly online platform that simplifies money transfers and includes services such as Circle Pay for peer-to-peer payments. In addition, the company provides Circle Invest, allowing users to buy and sell cryptocurrencies, and Circle Trade, which operates a trading desk with a substantial liquidity pool for digital assets, averaging $2 billion in monthly trading volume. With significant backing from investors, including notable firms such as Goldman Sachs and Accel Partners, Circle has established a presence in major cities, including Boston, New York, San Francisco, Dublin, London, and Hong Kong. The company is dedicated to accelerating global crypto innovation and adoption through its various financial services.

Paydiant

Series C in 2013
Paydiant, Inc. is a provider of a cloud-based white label mobile wallet platform designed for merchants, banks, and payment processors. Founded in 2010 and based in Auburndale, Massachusetts, the company enables its clients to integrate mobile payments, loyalty programs, promotional offers, and ATM cash access into their own branded mobile applications. By offering a secure, patented platform, Paydiant allows businesses to deploy customized mobile wallet solutions without the need for new intermediaries. The company operates through resellers and distributors and became a subsidiary of PayPal Holdings in 2015.

flok

Series A in 2013
flok LTD is a customer engagement and loyalty platform that offers a mobile application for iOS and Android, allowing users to access loyalty programs and rewards from various vendors across multiple industries, including food and drink, beauty, retail, health and fitness, entertainment, and services. Originally launched in 2011 as a digital punch card app, flok has since expanded its services to include customer relationship management features, chatbots, automated messaging, and proximity marketing campaigns. The platform serves a diverse range of clients, from major retailers to small businesses, enabling them to foster meaningful customer relationships through a rewards-based system. Based in New York City with an additional office in Tel Aviv, flok is supported by notable investors and operates as a subsidiary of Wix.com Ltd.

Paydiant

Series B in 2012
Paydiant, Inc. is a provider of a cloud-based white label mobile wallet platform designed for merchants, banks, and payment processors. Founded in 2010 and based in Auburndale, Massachusetts, the company enables its clients to integrate mobile payments, loyalty programs, promotional offers, and ATM cash access into their own branded mobile applications. By offering a secure, patented platform, Paydiant allows businesses to deploy customized mobile wallet solutions without the need for new intermediaries. The company operates through resellers and distributors and became a subsidiary of PayPal Holdings in 2015.

Stripe

Series B in 2012
Stripe, Inc. is a global technology company that provides application programming interfaces (APIs) and tools designed to facilitate online payment processing for businesses. Its comprehensive platform includes solutions for payments, subscriptions, fraud detection, and data analytics, among others. Stripe's offerings, such as Stripe Connect for routing payments, Stripe Radar for fraud prevention, and Stripe Checkout for seamless transaction processes, cater to a diverse clientele ranging from startups to established enterprises. The company also addresses financing challenges faced by online businesses through Stripe Capital, which offers fast and flexible funding options. With operations in multiple countries, including the United States, the United Kingdom, and Singapore, Stripe aims to simplify financial infrastructure and support the growth of internet-based businesses, thereby contributing to the overall economic landscape of the digital economy. Founded in 2010 and headquartered in San Francisco, California, Stripe has established partnerships with leading technology firms to enhance its service capabilities.

flok

Venture Round in 2012
flok LTD is a customer engagement and loyalty platform that offers a mobile application for iOS and Android, allowing users to access loyalty programs and rewards from various vendors across multiple industries, including food and drink, beauty, retail, health and fitness, entertainment, and services. Originally launched in 2011 as a digital punch card app, flok has since expanded its services to include customer relationship management features, chatbots, automated messaging, and proximity marketing campaigns. The platform serves a diverse range of clients, from major retailers to small businesses, enabling them to foster meaningful customer relationships through a rewards-based system. Based in New York City with an additional office in Tel Aviv, flok is supported by notable investors and operates as a subsidiary of Wix.com Ltd.

Paydiant

Series A in 2011
Paydiant, Inc. is a provider of a cloud-based white label mobile wallet platform designed for merchants, banks, and payment processors. Founded in 2010 and based in Auburndale, Massachusetts, the company enables its clients to integrate mobile payments, loyalty programs, promotional offers, and ATM cash access into their own branded mobile applications. By offering a secure, patented platform, Paydiant allows businesses to deploy customized mobile wallet solutions without the need for new intermediaries. The company operates through resellers and distributors and became a subsidiary of PayPal Holdings in 2015.
Spot something off? Help us improve by flagging any incorrect or outdated information. Just email us at support@teaserclub.com. Your feedback is most welcome.