Goodwater Capital

Fetii offers an on-demand group ridesharing service for consumers and businesses. Its platform enables users to hail a 15-passenger vehicle using a mobile app, with payments facilitated via a QR check-in system that splits costs among the group.

Tembo is a digital mortgage platform that assists individuals in securing home financing. It offers services tailored to first-time buyers, remortgaging, and enhancing affordability through innovative schemes. The platform connects users with multiple lenders to maximize borrowing potential and simplify the mortgage process.

Pap! is a technology company that specializes in automating the retrieval of refund claims for consumers. Its online platform leverages artificial intelligence to analyze email receipts and identify potential refund opportunities, such as price drops and flight delays. By streamlining the process of claiming refunds, Pap! ensures that individuals can take advantage of available financial recoveries without the hassle of navigating complex policies and rules. This innovative approach not only helps consumers reclaim funds they are owed but also raises awareness about refund policies that may otherwise go unnoticed.

Payhere is a fintech company that specializes in providing card terminals and online payment gateway services tailored for various industries. The company has developed an online payment platform that addresses the challenges faced by small business owners and seeks to innovate the offline payment market. By offering a comprehensive gateway for digital transactions, Payhere connects consumers and sellers, facilitating seamless financial interactions. Its solutions enable businesses, including franchisees, to accept multiple payment methods, thereby enhancing customer convenience and promoting financial growth.

Stori, established in 2017 and headquartered in Vienna, Virginia, is a technology-driven financial services provider. It specializes in using artificial intelligence to offer inclusive financial products, primarily digital credit cards, to underserved middle- and emerging middle-class customers. Stori's platform connects consumers with personal loan officers, assists in product selection based on financial situations, and guides users through the loan application process. Additionally, it aims to simplify and secure financial management by offering a unified mobile application for borrowing, saving, and investing.

Bloom is a financial technology company that provides a secure wallet hub for trading tokens and NFTs, enabling users to discover new decentralized applications and optimize their DeFi investments. The platform is described as offering innovative, fair, responsible and inclusive financial products, aimed at widening access to digital finance while simplifying crypto activity for a broad user base.

Blossom Social is a startup building a social investing platform that fosters financial literacy and community-driven ideas. The platform lets users view portfolios and trades of friends and top investors, discover new investment ideas from the community, and share portfolios, trades, and ideas. It provides portfolio tracking tools and investing education in a Duolingo-style format to help users make informed financial decisions. The service emphasizes verifiable stock holdings and performance to inform decision-making and promote transparent sharing within the community.

Cambio is a financial services platform dedicated to simplifying money management for individuals and businesses. It offers online payments, transfers, currency exchange, budgeting tools, and secure financial solutions.

tanX.fi is a digital trading platform that provides access to trade multiple assets across multiple networks chains with optimum price.

Envelope Money is a technology company that specializes in developing a comprehensive mobile banking platform. This platform is designed to help users manage their family finances by offering a range of features, including flexible budgeting tools, virtual and physical cards, secure account controls, joint accounts, and advanced spending tracking capabilities. The platform aims to simplify financial management, enabling users to efficiently allocate funds, monitor expenses, and work towards achieving their financial goals.

Vendah operates an e-commerce platform that facilitates reselling of kitchen and homeware products in Latin America. It enables women to earn extra income by selling items to neighbors and friends, while providing tools for payment processing and logistics.

iMotorbike is Southeast Asia's leading online marketplace for motorbikes. It offers a comprehensive range of products, including bikes, parts, accessories, insurance, and financing options. The platform aims to provide users with a seamless, secure, and efficient buying experience.

Poko is a technology company that specializes in facilitating payment solutions for the web3 ecosystem, focusing on games, creators, and merchants. Its platform provides a software development kit (SDK) that allows web3 builders to integrate fiat-to-crypto onramping using over 100 local payment methods. This solution significantly lowers onramping costs by up to 70% and enhances transaction success rates by as much as five times through intelligent routing and a streamlined integration process. Additionally, Poko offers a Direct Checkout solution that simplifies purchasing from smart contracts, resulting in a 79% increase in user conversion. With a team that includes experienced professionals from prominent financial institutions and blockchain initiatives, Poko aims to enable seamless engagement with web3 technologies while ensuring that users can transact using their preferred payment methods.

Magic is a fintech company that develops a bank payment platform.

Bitstack is a fintech company that provides a crypto wallet and app designed to save and invest in Bitcoin on autopilot. The platform lets users buy, sell, earn, and spend bitcoin, with everyday purchases rounded up to invest the spare change. It aims to simplify crypto-enabled financial management and help users achieve their financial goals. Since its inception in 2021, Bitstack has expanded beyond a rounding-up feature to offer a mass-market solution for managing Bitcoin, and it is positioned as part of a broader effort to reimagine consumer banking by leveraging Bitcoin and stablecoins in crypto-native services.

Payhere is a fintech company that specializes in providing card terminals and online payment gateway services tailored for various industries. The company has developed an online payment platform that addresses the challenges faced by small business owners and seeks to innovate the offline payment market. By offering a comprehensive gateway for digital transactions, Payhere connects consumers and sellers, facilitating seamless financial interactions. Its solutions enable businesses, including franchisees, to accept multiple payment methods, thereby enhancing customer convenience and promoting financial growth.

AMORA, through a technological approach to property evaluation, creates a new way for Brazilians to acquire their dream home with the lowest downpayment available, providing an opportunity for customers to build equity at the same time as they live in their desired property.

Helping people build their financial tomorrow.

Cheese is a California-based fintech company focused on helping individuals build credit and grow savings through simple, automated solutions. It develops a credit-building financial application that provides digital banking services and debit cards to customers with no credit history, enabling them to establish and improve credit scores while meeting personal financial needs, with an emphasis on serving underbanked communities.

Finfree is a next-generation social trading platform designed to connect traders with like-minded analysts and communities, facilitating participation in both local and US stock markets. The platform targets millennials, who often prefer self-directed investment strategies and online social interactions. Finfree offers a comprehensive investment application that provides users with valuable resources to learn about the stock market, including stock financials, ratio chart reviews, and portfolio performance tracking. By focusing on education and community engagement, Finfree aims to empower millennials to make informed investment decisions and work towards achieving financial independence.

Gullak.Money is a financial platform focused on promoting saving and wealth creation for its users. It aims to establish an inclusive ecosystem that encourages individuals to save small amounts daily, facilitating the development of effective financial habits. The platform offers various resources to help users set and accomplish their financial goals, thereby empowering them to enhance their savings and invest wisely for future prosperity. Through its user-friendly approach, Gullak seeks to make saving accessible to everyone, ultimately contributing to improved financial well-being.

Castor is a fintech company based in Mexico, established in 2021, that focuses on improving financial stability for workers by offering automated savings tools and access to earned wages before the traditional payday. The platform enables users to save effectively and avoid debt by providing liquidity between paychecks without incurring interest charges. Castor's services include facilitating savings, making service payments, and offering free access to a portion of wages on a daily basis. By implementing these features, Castor aims to strengthen the financial well-being of its clients and help them manage their finances more effectively.

Splitero offers homeowners an alternative way to access their home equity. Its platform provides a lump sum of cash in exchange for a share of the property's future value changes, allowing homeowners to unlock funds without taking on new debt or monthly payments.

Koywe is a technology company that specializes in providing payment APIs and SDKs designed for the integration of cryptocurrency into financial applications. Its offerings enable developers to create solutions for remittances, digital wallets, and investment services. By utilizing blockchain technology, Koywe facilitates the buying and selling of cryptocurrencies, allowing companies to seamlessly connect wallets and portfolios. The company focuses on delivering straightforward and well-documented tools that empower businesses to leverage cryptocurrencies effectively, thus enhancing their financial service capabilities.

Fello is a savings and investment platform that aims to help users save and invest while earning higher returns than traditional savings accounts. The company has developed a gamified online platform that encourages individuals, particularly gamers, to become financial investors. Users are incentivized to save and grow their money by gaining opportunities to participate in games and lotteries each time they save or invest on the platform. This unique approach not only promotes financial literacy but also enhances user engagement by combining savings with elements of gaming, making the process of investing more appealing and rewarding.

Baselane is a banking and finance platform for landlords and real estate investors in the United States. It integrates users' bank accounts with expense management, rent collection, bookkeeping, cash flow tracking and performance analytics, delivering tailored financial services, automated tools and actionable insights to save time, improve financial visibility and help grow investment portfolios. The company serves more than 12 million landlords and real estate investors who own over 25 million homes, empowering independent property owners to manage finances efficiently and increase returns.

Toss is a South Korea-based mobile financial service platform developed by the fintech startup Viva Republica, established in 2011 by Seunggun Lee in Seoul. The platform offers a range of services aimed at simplifying financial management for users, including peer-to-peer money transfers, credit score management, and bank account oversight. Additionally, Toss provides access to loan and insurance plans, facilitates bill splitting, and supports QR payments. These features collectively enable users to handle their financial needs efficiently and conveniently.

InvestEd Philippines offers sustainable student loans to low-income and underserved youth, facilitating access to higher education and upskilling opportunities. The firm leverages a proprietary Risk Engine to assess and mitigate risks in the lending process, enabling unbanked individuals to secure education financing. InvestEd collaborates with employers, impact funds, and foundations to manage specialized education loan funds, allowing investors to achieve both social impact and financial returns. Its diverse suite of financial products addresses lifelong learning needs, encompassing both traditional and non-traditional educational paths, thereby supporting the educational aspirations of marginalized groups.

Wallbit is a global neobank offering USD and EUR accounts, debit cards, access to US investments, and local currency transactions through a single app. It caters to individuals living outside the US who require international banking services.

Lemon Cash operates a digital financial platform offering instant currency exchange, contactless international VISA card with cashback rewards, access to decentralized finance investments, margin trading, lending market, and crypto management services in Latin America.

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

Marble is an insurance management platform focused on enhancing the customer experience by offering a rewards-based membership program. This innovative approach allows users to manage their home and auto insurance policies in a single digital wallet, where they can easily compare rates and find suitable policies. By prioritizing the needs of its members, Marble aims to reduce insurance costs and provide value through its loyalty program, which also serves as an effective marketing channel for insurance companies. This dual focus ensures that users not only save money but also earn rewards as they navigate their insurance options, creating a win-win situation for both consumers and providers.

BuyPower is a Nigerian utility payment platform that enables customers to purchase prepaid electricity tokens and recharge their accounts online. The service works through a digital interface, allowing users to pay for electricity from phones or computers, thereby simplifying the process of buying electricity and managing payments. It is active in AEDC and Jos Electricity Distribution Plc service areas, aiming to save time, reduce queues, and streamline financial operations for residential and small business users.

It is to provide the Mortgage of the Future, a better mortgage loan through an exceptional service that fits your needs. They provide an alternative to the complicated and traditional procedures of the past, modernizing the experience of their users through an agile and avant-garde service with personal advice and fair rates.

Founded in 2019, ClubFolio is a Bengaluru-based company that develops an online brokerage platform. This platform enables users to invest in stocks and mutual funds, fostering a fun and engaging environment for building financial freedom.

Sproutly is a digital bank focused on students and schools in Africa, providing access to credit and payments services to support financial transactions and borrowing needs within the educational sector. The company aims to streamline financial processes for learners and institutions by offering digital account services and payment solutions, positioning itself as a fintech platform that addresses financial inclusion in education.

Patika is a financial technology company dedicated to supporting African microenterprises in transitioning to the digital economy. It offers a software-as-a-service (SaaS) application that assists small businesses in managing their financial operations. This includes tracking customer debt, facilitating repayments, and overseeing cash flow. By providing tools for receivable automation and payment services, Patika enables microenterprises to efficiently record their income, expenses, and repayments, thereby maintaining a comprehensive digital record of their financial health.

SELECT is a company focused on creating a next-generation credit card that prioritizes powerful and unique rewards for consumers. The business has established a vast network of exclusive benefits with premier partner brands and venues, offering rewards at over 1.5 million locations. Members enjoy substantial savings, such as discounts of up to 70% at numerous hotels, priority access and complimentary drinks at renowned dining and nightlife establishments, as well as exclusive offers with leading travel, retail, and entertainment brands. By paying an annual membership fee, customers gain access to a credit card that provides unique perks, including invitations to private events like cocktail hours and rooftop gatherings, enhancing their overall lifestyle experience.

Travel often, debt-free. You just tell us your travel details and preferences, we budget everything for you and turn it into an easy subscription plan. Your plan takes care of: booking the best travel flights, hotels, and FX. Everything you need to enjoy your trip in due time. We innovated in savings so we could help more people achieve their dreams. After 100k users, travel became the obvious choice of focus because it was responsible for more than 70% of our user's goals. This innovative approach to travel, using fintech at its core was only possible because we spent 3 years building the perfect savings solutions first.

Snowball Wealth, Inc. is a financial management company based in San Mateo, California, founded in 2018. It specializes in providing personalized guidance for student loans and broader financial planning, focusing on debt management, retirement, and investment strategies. The company has developed a mobile platform that combines community engagement, social challenges, and AI-driven planning to assist users in addressing financial challenges. By fostering an open dialogue around debt, income, and investing, Snowball Wealth aims to alleviate the stigma associated with these topics. Its innovative approach empowers individuals to make informed financial decisions, manage their student debt effectively, and build generational wealth through tailored advice and resources.

Kippa is a mobile app designed for African small business owners and bookkeepers. It streamlines financial management by replacing physical record books with digital platforms, enabling users to track daily transactions, generate invoices, manage inventory, and monitor business fluctuations.

Weltio is a trading platform that enables users to open accounts in US dollars and invest in stock exchanges and cryptocurrencies. The company has developed a wealth management platform aimed at facilitating informed investment decisions. By connecting a diverse community of global investors, Weltio allows individuals, particularly from middle and middle-upper socioeconomic classes, to trade fractional shares. This accessibility empowers users to participate in various investment opportunities and enhance their financial outcomes.

GroMo is a fintech marketplace that empowers individuals in India to become micro-entrepreneurs by selling a variety of financial products, including insurance policies, credit cards, savings accounts, and loans. The platform allows users to partner with banks and non-banking financial companies (NBFCs) to distribute these products, enabling them to earn substantial income with no initial investment. GroMo provides a user-friendly mobile app that facilitates sales from anywhere, offering features such as instant payouts, training and certification programs, customer management tools, and robust customer support. With over 1.4 million partners, GroMo aims to financially empower its users, allowing them to earn over INR 1 lakh monthly by leveraging the app's capabilities. This innovative platform not only simplifies the sales process but also fosters a community of individuals who can enhance their financial knowledge and grow their businesses through referrals and personalized engagement.

Fleek provides a subscription tracking and management platform that centralizes control of subscription services, helping users view all active and expiring subscriptions, recurring and scheduled payments, and secure payment methods in one place. It enables users to discover, monitor, renew, or cancel subscriptions with ease, delivering simplified management and visibility across services.

Accountable is a financial service company that focuses on handling costs for hosts of holiday rentals.

Argovox provides an AI-powered platform for managing phone conversations in the financial services sector and operates a digital platform that enables online notarization, apostille services, document delivery, and remote signing to facilitate real estate transactions such as home purchases from anywhere, improving efficiency and reducing travel and logistics.

Kashin is a microlending application that provides small loans to underbanked individuals. The platform assesses risk by utilizing social reputation scores and smartphone-based variables. Users have the ability to increase their credit limits and lower interest rates based on their credit behavior and the actions of their first-degree referrals. This approach aims to enhance access to credit for those who may have limited options in traditional lending markets.

AlgoTest is an investment technology company dedicated to enhancing the decision-making capabilities of retail traders through innovative tools. The company offers a comprehensive platform that enables users to backtest, paper trade, and execute trading strategies in live markets. Their initial product is a free options backtester specifically designed for the Indian market. With a team experienced in various market segments, including electronic options market-making and factor-based market strategies, AlgoTest provides users with access to historical data to assess profitability and risk before committing real capital. The platform aims to empower retail traders by leveraging extensive market expertise and facilitating the evaluation of trading strategies.

PayO is an Accounting and payments application that enables simplified billing, easy stock management, payment collections, and supplier payments for small businesses.

Chowdeck is an online platform that facilitates food delivery services and enables users to purchase meals from a diverse selection of restaurants. It connects customers with local eateries, providing a seamless ordering process, real-time tracking, and various payment options.

Patika is a financial technology company dedicated to supporting African microenterprises in transitioning to the digital economy. It offers a software-as-a-service (SaaS) application that assists small businesses in managing their financial operations. This includes tracking customer debt, facilitating repayments, and overseeing cash flow. By providing tools for receivable automation and payment services, Patika enables microenterprises to efficiently record their income, expenses, and repayments, thereby maintaining a comprehensive digital record of their financial health.

Tandem is a financial operating system for couples. It offers a payment application designed to offer a quick and easy way for couples to share expenses. The company's application puts expense sharing on auto-pilot, helps split expenses with a swipe, and imports expenses from cards and accounts, enabling users to get a better handle on their money.

Better Opinions is a stock market of opinions platform that allows users to trade their opinion on an outcome of an event.

Bloom is a financial technology company that provides a secure wallet hub for trading tokens and NFTs, enabling users to discover new decentralized applications and optimize their DeFi investments. The platform is described as offering innovative, fair, responsible and inclusive financial products, aimed at widening access to digital finance while simplifying crypto activity for a broad user base.

Bloom is a financial technology company that provides a secure wallet hub for trading tokens and NFTs, enabling users to discover new decentralized applications and optimize their DeFi investments. The platform is described as offering innovative, fair, responsible and inclusive financial products, aimed at widening access to digital finance while simplifying crypto activity for a broad user base.

Founded in 2021, Mewt is an Indian fintech company that simplifies business banking for Micro, Small, and Medium Enterprises (MSMEs). It aggregates accounts from state-run banks, private banks, and neo banks into a single account, enabling fast transfers and QR code-based payments.

Fringe operates a funding platform that facilitates partnerships between fans and artists, allowing them to invest together. By providing direct access to fans, the platform offers artists alternatives to traditional label deals. It enables fans to invest in their favorite artists through revenue shares based on the artists' streaming revenues. In addition to fundraising, Fringe emphasizes community-building, creating a collaborative environment where fans can actively support and engage with the artists they admire. This model not only empowers artists but also allows fans to have a stake in their success.

Shelf is a fintech platform in India that serves as a neobank for young professionals. It consolidates banking, payments, expense management and bill splitting into a single app, enabling users to manage savings, access bank accounts, track spending and coordinate lending or borrowing among friends or groups, thereby letting them control their finances in one place and simplify money management as they navigate early professional life.

Fetii offers an on-demand group ridesharing service for consumers and businesses. Its platform enables users to hail a 15-passenger vehicle using a mobile app, with payments facilitated via a QR check-in system that splits costs among the group.

Afriex Inc. is a mobile payment application developer based in Oakland, California, specializing in overseas money transfer services. Founded in 2019, the company offers a digital wallet application that allows users to send and receive money globally, utilizing stablecoins to ensure fast and cost-effective remittance solutions. Afriex supports transactions to over 30 countries, enabling users to make payments and manage their finances more efficiently at current exchange rates, while also providing various withdrawal options to enhance the user experience.

Cambio is a financial services platform dedicated to simplifying money management for individuals and businesses. It offers online payments, transfers, currency exchange, budgeting tools, and secure financial solutions.

Pigeon is an interpersonal finance app that makes it easier for anyone to create and keep track of loans with others. The leading solution for interpersonal loans, Pigeon is the smartest way to lend money to friends, family, and loved ones. Pigeon is helping millions around the world by providing everyday people with customizable technology and personalized education that eases the emotional pains of lending and borrowing money between individuals who care about each other. Pigeon was founded by Brian Bristol in 2020 and is based in Miami, Florida.

Listed facilitates investment in social media creators by establishing creator syndicates. It aims to democratize access to capital for individuals, providing an alternative asset class that is well-understood by the masses.

Founded in 2021, Finku is a Jakarta-based fintech company dedicated to empowering Indonesians with better financial management tools. Its platform aims to eliminate financial illiteracy by providing users with automated financial logging, personalized insights, and budgeting assistance, enabling them to make informed financial decisions.

Whiz is a fintech company specializing in financial education for teens. It offers a platform that provides news, articles, training programs, and tools to help children manage pocket money, save, and understand the value of earnings.

Drahim is a Saudi Arabian fintech company that develops a digital platform for personalized financial planning. It analyzes users' financial habits to provide tailored investing plans, acting as a comprehensive budgeting app that tracks transactions and offers suggestions on saving and wealth growth.

Arrow is a healthcare technology company that ensures precise payments between providers and payers. Formerly named Walnut, Arrow is dedicated to enhancing the speed, accuracy, and transparency of healthcare payments for everyone. The shift to Arrow signifies a renewed focus and an expanded vision for the future of healthcare.

earnJARVIS is a crypto investment platform that helps retail investors and businesses access the full breath of the crypto economy by automating asset and yield management.

AutoCoin is an online used car marketplace that modernizes the vehicle auction experience through a platform focused on trust, transparency, and simplicity. It partners with a network of reliable dealers nationwide to provide customers with a wide selection of vehicles without the complications typical of traditional dealerships. Safety is paramount, as each vehicle undergoes thorough inspections to meet high standards before being listed. The platform enhances the car buying process by incorporating blockchain technology, offering features such as monthly cash-back rewards, instant online insurance, and home delivery. AutoCoin also provides a test-own policy, allowing customers to ensure their satisfaction with the vehicle. Overall, AutoCoin aims to make purchasing a car online a straightforward and confident experience.

Onyx Private is a modern private banking platform tailored for affluent young professionals, investors, and entrepreneurs. It provides a premium digital banking experience complemented by a concierge service that caters to various personal finance, wealth, and lifestyle needs. The platform features a personalized robo-advisor for tax-loss harvesting, fixed-income money market accounts, Treasury Bills, and alternative investments such as private equity, venture capital, and hedge fund strategies. By offering low fees and minimums, Onyx Private enables users to set customized financial goals and manage their finances more effectively, making private banking more accessible to a new generation.

Beem is a fintech company using AI to bridge the gap between income cycles for low-to-middle-income individuals. It offers instant cash access without interest or credit checks, enabling users to manage expenses more effectively and affordably.

Waffle Labs, Inc. is a New York-based company founded in 2018 that specializes in developing financial services software to assist customers in managing their investments. In addition to its investment management solutions, Waffle Labs operates an insurance platform that provides customizable insurance plans across various categories, including renters insurance, pet insurance, personal cyber insurance, and term life insurance. Through its innovative offerings, the company aims to enhance the financial security and investment strategies of its clients.

Shrimpy is a developer of a comprehensive crypto portfolio management platform aimed at investors of all levels. The platform offers a range of tools that simplify, automate, and optimize crypto asset management strategies. Key features include automated trading strategies, backtesting capabilities, in-depth historical analysis, and customizable rebalancing options, all designed to help customers make informed investment decisions. Additionally, Shrimpy provides Universal Crypto Exchange APIs that handle user API key management, exchange integrations, trade execution, asset listings, data collection, automation, and server scaling. This end-to-end solution facilitates the creation of robust products that depend on crypto exchanges, empowering users to effectively manage their portfolios while reducing risks and maximizing potential returns in the ever-evolving crypto market.

Jerry is a technology-driven platform that helps drivers manage car ownership. It uses an AI-powered insurance comparison engine to simplify finding affordable car insurance and also enables refinancing auto loans, tracking driving scores, and gaining transparency into maintenance and repair costs. By combining insurance, financing, maintenance, and safety insights, the service aims to streamline the ownership experience for U.S. customers. The platform serves more than five million users and seeks to provide clarity and efficiency in choosing coverage, arranging loans, and understanding vehicle costs.

Pinhome is a technology-driven platform that facilitates property transactions, enabling users to buy, sell, and rent real estate more efficiently. By organizing property data and digitizing the transaction process, Pinhome simplifies the complexities associated with real estate dealings. The platform caters to a wide range of customer needs, including property maintenance and personal care services, thereby providing comprehensive support throughout the real estate process. Pinhome aims to enhance accessibility to home financing and streamline the overall experience for clients seeking to navigate the real estate market.

Stablegains is a financial technology company that provides an online platform designed to help individuals and businesses earn high interest on their cash through decentralized finance (DeFi) lending markets. By leveraging the advantages of DeFi, which operates continuously and eliminates the need for traditional financial institutions, Stablegains simplifies access to these digital lending opportunities. The company's platform serves as a user-friendly savings tool, enabling users to efficiently optimize their capital and generate passive income. Stablegains focuses on identifying and offering the safest earning methods within the DeFi space, making these financial opportunities more accessible to a broader audience.

AMORA, through a technological approach to property evaluation, creates a new way for Brazilians to acquire their dream home with the lowest downpayment available, providing an opportunity for customers to build equity at the same time as they live in their desired property.

Koshex is a personal finance and wealth management service established in 2020 and headquartered in Bengaluru, Karnataka. The company focuses on automating wealth creation for Indian millennials by offering data-driven insights into their daily finances, enabling them to save more effectively and make informed investment decisions. Its innovative platform facilitates automated investing in various assets, including mutual funds, digital gold, and sectors such as technology, clean energy, automobiles, and US equities. By providing users with tools to understand money movement in real-time and evaluate potential investment outcomes, Koshex empowers customers to explore diverse investment opportunities tailored to their financial goals.

Poko is a technology company that specializes in facilitating payment solutions for the web3 ecosystem, focusing on games, creators, and merchants. Its platform provides a software development kit (SDK) that allows web3 builders to integrate fiat-to-crypto onramping using over 100 local payment methods. This solution significantly lowers onramping costs by up to 70% and enhances transaction success rates by as much as five times through intelligent routing and a streamlined integration process. Additionally, Poko offers a Direct Checkout solution that simplifies purchasing from smart contracts, resulting in a 79% increase in user conversion. With a team that includes experienced professionals from prominent financial institutions and blockchain initiatives, Poko aims to enable seamless engagement with web3 technologies while ensuring that users can transact using their preferred payment methods.

Botin is a financial technology company that provides a mobile application designed for individuals in Latin America to invest in various financial instruments, including US stocks and cryptocurrencies. The platform allows users to start investing with as little as one dollar and operates without minimum investment requirements or trade commissions. By simplifying access to investment opportunities, Botin aims to empower consumers in the region to enhance their returns on investment and participate in the international financial market.

GoJom is a Web / Mobile platform that boosts the real estate sector in Latin America by creating a One stop Shop for real estate information and solutions. Through partnerships le directly, GoJom offers IBuy, financial services and digital Brokerage, among other services.

Treinta is a digital ledger app tailored for Latin American microbusinesses. It enables users to record transactions by assigning products from their inventory, providing real-time insights into business metrics. By using Treinta, owners can save up to 30 minutes daily in bookkeeping tasks and enhance efficiency by over 30%. Currently, it serves microbusinesses transitioning from pen-and-paper tracking methods.

For consumers, Cypher offers an EVM & Cosmos noncustodial wallet & crypto card allow a one-stop-shop for purchasing, bridging, staking, swapping and off-ramping crypto For developers, Cypher offers an seamless onboarding SDK for any dApp in addition to a Push SDK that allows on-chain events to be converted into human, readable mobile push notifications

Poko is a technology company that specializes in facilitating payment solutions for the web3 ecosystem, focusing on games, creators, and merchants. Its platform provides a software development kit (SDK) that allows web3 builders to integrate fiat-to-crypto onramping using over 100 local payment methods. This solution significantly lowers onramping costs by up to 70% and enhances transaction success rates by as much as five times through intelligent routing and a streamlined integration process. Additionally, Poko offers a Direct Checkout solution that simplifies purchasing from smart contracts, resulting in a 79% increase in user conversion. With a team that includes experienced professionals from prominent financial institutions and blockchain initiatives, Poko aims to enable seamless engagement with web3 technologies while ensuring that users can transact using their preferred payment methods.

Marble is an insurance management platform focused on enhancing the customer experience by offering a rewards-based membership program. This innovative approach allows users to manage their home and auto insurance policies in a single digital wallet, where they can easily compare rates and find suitable policies. By prioritizing the needs of its members, Marble aims to reduce insurance costs and provide value through its loyalty program, which also serves as an effective marketing channel for insurance companies. This dual focus ensures that users not only save money but also earn rewards as they navigate their insurance options, creating a win-win situation for both consumers and providers.

Nophin develops a property rental financing platform for commercial real estate, leveraging an artificial intelligence copilot to underwrite deals and streamline the rental process. The platform automates data entry, provides intelligent insights, and generates worksheet analyses to support investment decisions, and it offers automated deal filtering, comprehensive market research with source citations, dynamic scenario analysis within Excel, automated report generation, workflow automation, and advanced document analysis. These capabilities help landlords and commercial real estate professionals simplify operations, assess markets, compare scenarios, and focus on making optimal investments.

Established in 2021 and headquartered in Santa Monica, California, GoodFin operates as an AI-driven wealth management platform. It specializes in democratizing access to previously exclusive alternative asset classes such as private equity and venture capital investments.

Gauss is a financial technology company based in New York City, founded in 2021. It offers a mobile application that helps users manage their credit card debt while building wealth. By monitoring linked credit cards, Gauss automatically pays off high-interest balances, which can save consumers significant amounts in interest payments. This service not only accelerates bill repayment but also aids in improving users' credit ratings. Additionally, Gauss provides low-interest credit lines to refinance costly credit card debt, allowing consumers to transform liabilities into assets with minimal disruption to their financial situations.

Winter specializes in providing an embeddable checkout widget that facilitates the sale of non-fungible tokens (NFTs) using credit cards. The company's platform offers a comprehensive range of products, including fiat checkout, APIs, wallets, and cross-chain payment solutions. This innovative widget allows businesses to securely store, manage, and transfer NFTs on behalf of users who do not possess a digital wallet, ensuring a seamless purchasing experience. By simplifying the process of buying and managing NFTs, Winter enables businesses to expand their offerings and engage a broader customer base in the growing digital asset market.

Founded in 2021, Stock Unlock is a New York-based company that operates a stock analysis platform. This platform aims to demystify investing and promote financial literacy by providing users with access to financials, trends, ratios, and other relevant benchmarks. It enables clients to research stocks and track portfolios, thereby enhancing their investment capabilities.

Pluto Markets is an investment software application that focuses on making investing a social experience. It allows users to create groups with friends, fostering collaboration, competition, and co-investment. The platform notifies users about trades within their portfolios, facilitating discussions on the latest investment opportunities. By incorporating features like fractional shares and zero-commission trading, Pluto Markets aims to enhance the investment experience for individuals and their social circles.

Sleek operates an online financial platform that provides users with a browser extension designed for seamless one-click checkout across various e-commerce stores. By linking their credit cards to the extension, customers can shop online and receive cashback rewards for their purchases. The stores benefit from this arrangement by paying Sleek a commission for directing traffic to their sites, and Sleek shares a portion of that commission with users as cashback. Utilizing machine learning, Sleek enhances the shopping experience by offering additional deals and cashback opportunities, making it an attractive option for online shoppers seeking to maximize their savings.

QUIK is a mobile Super App for Venezuela that combines on-demand delivery with a stablecoin wallet, enabling users to order food, groceries, and other goods for delivery within 30 minutes and to pay, save, and transfer funds using the same app. The platform supports person-to-person transfers, QR-based merchant payments, and services payments, aiming to reduce currency risks and streamline everyday transactions through an integrated payments and logistics solution.

Kyash Inc. is a Japanese fintech company founded in 2015 and headquartered in Tokyo. It specializes in developing a wallet application and payment platform that enables consumers to make payments at Visa merchants and conduct peer-to-peer transactions. Kyash offers a range of services through its mobile application, including the ability for users to send and request instant money from friends using virtual and prepaid cards. Additionally, the company provides a proprietary technology platform that allows businesses to issue their own Visa cards to customers through its APIs, enhancing the payment experience. Through these services, Kyash aims to facilitate safe, quick, and convenient money transfers for both consumers and businesses.

Bundil is a fintech platform that converts spare change from everyday credit or debit card purchases into cryptocurrencies and other financial tools. The service automatically tracks spending, rounds purchases to the nearest dollar, and invests the resulting spare change into the user’s preferred digital asset. It operates as an automated micro-investing solution compatible with hundreds of banks, enabling users to establish saving and investing habits without active management. Bundil’s approach simplifies cryptocurrency participation by letting users accumulate investments over time through small, automated contributions tied to their everyday spending.

Stairs Financial is a company dedicated to assisting young Americans in purchasing their first homes. It offers a financial platform that combines financial advice with real estate listings, allowing users to evaluate their eligibility for various properties. By identifying homes based on individual financial situations, Stairs Financial connects users with relevant government grants, loans, and tax incentives. This integrated approach enables potential homeowners to plan effectively and make informed decisions regarding their property purchases.

Awabah provides digital pension planning and savings management services designed for self-employed and informal workers who lack formal pension coverage. The company offers micro-pension schemes and a platform that enables entrepreneurs, drivers, traders, artisans, and freelancers to start saving for future goals. In addition to pension services, Awabah delivers access to health insurance, life insurance, and accident cover as part of a practical benefits package, simplifying participation in retirement saving and protection for workers who do not have traditional pension arrangements.

Lenk specializes in digitalizing mortgage origination processes for financial institutions across Latin America.

Soon operates a finance management platform that automates personal finances, helping users manage their money more effectively. The platform allows individuals to deposit funds into their accounts, automatically allocating a portion for essential expenses while investing the remainder according to user-defined portfolio settings. This system enables users to balance their spending, saving, and investing, ultimately aiding them in achieving their financial goals efficiently. Soon's approach simplifies the financial management process by integrating spending and investment strategies into a single solution, thereby enhancing users' financial well-being.

sMiles operates a gamified platform that rewards users with fractions of Bitcoin for everyday activities such as walking, shopping, playing games, and taking surveys.