Goodwater Capital

Payhere is a fintech company that focuses on providing innovative payment solutions for small businesses across various industries. The company has developed an online payment platform that addresses the challenges faced by business owners in managing transactions. Payhere's services include card terminals and an online payment gateway, facilitating seamless digital transactions between consumers and sellers. By enabling businesses to accept multiple payment methods, Payhere aims to enhance financial growth for franchisees and other enterprises, streamlining the payment process and improving overall efficiency in the offline payment market.

Elevate Pay is a financial technology company that offers a digital banking platform. This platform enables users to open bank accounts online, obtain fee-free Sudanese Pound (SDG) and US Dollar (USD) accounts, receive a free USD Mastercard, make free transfers within Sudan, and receive free international transfers from various countries. The company aims to provide innovative, fair, responsible, and inclusive financial products, improving access to financial services for its consumers.

Cambio Money is a financial services platform designed to simplify access to financial solutions for individuals and businesses. The company focuses on helping users save, grow, and manage their finances effectively. It offers a range of services, including online payments, transfers, currency exchange, and budgeting tools, all aimed at enhancing financial management. Additionally, Cambio incorporates AI-powered credit improvement technology to assist users in credit recovery, making it easier for them to plan, negotiate, and resolve issues related to high credit utilization. The platform prioritizes security to ensure the protection of users' financial information.

TANGapp is a community network of local businesses, non-profits, and united in their desire to help everywhere. It is a mobile transaction and payment app that operates on an international peer-to-peer basis. It uses to send and receive money.

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.

Payhere is a fintech company that focuses on providing innovative payment solutions for small businesses across various industries. The company has developed an online payment platform that addresses the challenges faced by business owners in managing transactions. Payhere's services include card terminals and an online payment gateway, facilitating seamless digital transactions between consumers and sellers. By enabling businesses to accept multiple payment methods, Payhere aims to enhance financial growth for franchisees and other enterprises, streamlining the payment process and improving overall efficiency in the offline payment market.

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.

Koywe is a technology company that specializes in providing payment APIs and SDKs, enabling businesses to integrate cryptocurrency services into their offerings. The company focuses on developing web3 wallet technology that facilitates the buying and selling of cryptocurrencies. By offering well-documented and user-friendly tools, Koywe allows developers to quickly leverage blockchain technology to create applications for remittances, digital wallets, and investment services. This approach helps companies seamlessly connect their wallets and portfolios, enhancing their financial service capabilities in the evolving digital landscape.

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.

Lemon Cash is a digital wallet that provides banking, extra banking, and cryptocurrency functionalities, catering primarily to users in Latin America. The company has developed an online payment platform that facilitates secure electronic transactions and integrates various payment services. Through partnerships, Lemon Cash offers features such as margin trading and a lending market, allowing users to effectively invest and manage their digital assets. Additionally, the platform enables liquidity providers to engage in real-time trading within the peer-to-peer crypto financing market.

BuyPower is a utility payment platform based in Nigeria, focused on providing a convenient solution for electricity bill payments. The platform allows users to recharge their prepaid electricity meters online, offering services for customers in AEDC and JED PLC States. By enabling users to purchase electricity tokens through their phones or computers, BuyPower eliminates the need for physical queues and simplifies the payment process. This online service is designed to enhance the overall customer experience, making it easier for individuals to manage their electricity payments at any time and from any location.

CozmoX AI is an end-to-end platform for creating and deploying AI voice employees that can truly replace repetitive human roles at enterprise scale. Just as AWS revolutionized cloud computing, we're transforming how businesses build AI workers - complete with natural voice interactions, task automation, and learning capabilities. Our platform enables companies to rapidly deploy AI employees who can handle customer service, sales, administrative tasks, and more, with the ability to speak naturally, understand context, and execute complex workflows. With CozmoX AI, you can build, test, and scale your AI workforce in days instead of months, while maintaining enterprise-grade security and full control over your AI employees' capabilities and learning. We are backed by Y Combinator, Dubai Future District Fund, Goodwater Capital, Rebel Fund and leading global investors.

Accountable is an online private banking service founded in 2022 and based in New York, NY. The company specializes in providing a spending accountability system designed specifically for vacation rental hosts. Its platform offers a free debit card for each property, which helps streamline expense management, automate tax deductions, and provide cashback rewards. Additionally, the system delivers insights into cleaning and spending, allowing rental hosts to effectively manage their expenses and tax deductions without the need for manual reconciliation of monthly store accounts and credit card statements.

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

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.

Elevate Pay is a financial technology company that offers a digital banking platform. This platform enables users to open bank accounts online, obtain fee-free Sudanese Pound (SDG) and US Dollar (USD) accounts, receive a free USD Mastercard, make free transfers within Sudan, and receive free international transfers from various countries. The company aims to provide innovative, fair, responsible, and inclusive financial products, improving access to financial services for its consumers.

TANGapp is a community network of local businesses, non-profits, and united in their desire to help everywhere. It is a mobile transaction and payment app that operates on an international peer-to-peer basis. It uses to send and receive money.

Elevate Pay is a financial technology company that offers a digital banking platform. This platform enables users to open bank accounts online, obtain fee-free Sudanese Pound (SDG) and US Dollar (USD) accounts, receive a free USD Mastercard, make free transfers within Sudan, and receive free international transfers from various countries. The company aims to provide innovative, fair, responsible, and inclusive financial products, improving access to financial services for its consumers.

Mewt is a fintech company based in Bangalore, India, founded in 2021, that aims to simplify business banking for micro, small, and medium enterprises (MSMEs). It offers a banking platform that consolidates accounts from state-run banks, private banks, and neo banks into a single super account. This enables businesses to manage their financial activities more efficiently, facilitating quick transfers and seamless payment acceptance through a proprietary QR code system. Mewt's platform also allows businesses to track their loans and payments conveniently while offering rewards for card transactions, enhancing their overall banking experience.

Shelf is a neobank tailored for young professionals in India, addressing their unique financial challenges. By consolidating banking, payments, expense management, and bill splitting into a single platform, Shelf simplifies financial management for users who often juggle multiple apps. Recognizing that many young professionals live away from home and face difficulties in saving while managing expenses, Shelf provides a comprehensive solution that helps them gain better control over their finances. The platform allows users to manage savings, access bank accounts, track expenses, and facilitate lending and borrowing among friends or groups, thereby enhancing their ability to navigate their financial lives with ease.

Afriex Inc. is a company based in Oakland, California, founded in 2019, that specializes in developing a mobile payment application aimed at facilitating overseas money transfers. The platform allows users to send and receive money globally, utilizing stablecoins to provide a fast and cost-effective remittance service to over 30 countries. The application offers features for sending, receiving, and making payments at current exchange rates, along with various withdrawal options to enhance user convenience. Afriex aims to streamline cross-border transactions, making it easier for individuals to manage their finances internationally.

Cambio Money is a financial services platform designed to simplify access to financial solutions for individuals and businesses. The company focuses on helping users save, grow, and manage their finances effectively. It offers a range of services, including online payments, transfers, currency exchange, and budgeting tools, all aimed at enhancing financial management. Additionally, Cambio incorporates AI-powered credit improvement technology to assist users in credit recovery, making it easier for them to plan, negotiate, and resolve issues related to high credit utilization. The platform prioritizes security to ensure the protection of users' financial information.

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.

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.

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.

Kyash Inc. is a Japanese fintech startup founded in 2015 and headquartered in Tokyo. The company develops a mobile wallet application and payment platform that enables users to make payments at Visa merchants and conduct peer-to-peer transfers. Kyash offers a proprietary technology platform that allows businesses to issue their own Visa cards instantly through APIs, enhancing their payment processing capabilities. The services provided by Kyash include sending and requesting money quickly and securely using virtual and prepaid cards, making it a convenient option for users seeking efficient money transfer solutions.

Monzo is a digital bank that operates primarily through its mobile application, offering a range of banking services including current, savings, and business accounts, as well as overdrafts and loans. It provides real-time spending updates, categorized transactions, budgeting tools, and instant transaction notifications. Monzo's unique features include 'Pots', sub-accounts for saving towards specific goals, and Monzo Plus, a premium subscription service offering additional benefits. The company, founded in 2015 and based in London, aims to serve customers who prefer managing their finances digitally, without the need for physical branches.

InstaMed Communications, LLC, founded in 2004 and headquartered in Philadelphia, Pennsylvania, operates a healthcare payments network that connects providers, payers, and consumers through a unified cloud-based platform. The company offers several products, including InstaMed Online for Providers and InstaMed Online for Payers, both of which facilitate secure management of healthcare payment transactions with role-based security. Additionally, InstaMed Connect integrates healthcare payments into existing IT applications via APIs. By streamlining electronic transactions and consolidating payment processes, InstaMed aims to reduce the risks and complexities associated with multiple payment vendors, ultimately enhancing consumer satisfaction and enabling providers to collect payments more efficiently. As of 2019, InstaMed operates as a subsidiary of JPMorgan Chase Bank, National Association.

Grid is a company that offers a comprehensive management platform for financial services aimed at simplifying financial processes for clients. The platform provides tools for tracking payrolls, taxes, bills, and refunds, as well as managing individual paychecks. Additionally, Grid has developed a financial application that facilitates online tax filing and advisory services. This application collects financial information from clients and pairs them with in-house advisors, helping taxpayers maximize deductions and prepare their annual returns efficiently. By combining these features, Grid aims to optimize financial management for its users while maintaining transparency in costs through a flat fee structure.

Momo is a FinTech startup that provides a mobile electronic wallet and payment application for iOS and Android devices, primarily serving customers in Vietnam. The platform facilitates nationwide cash transfers, bill payments for over 100 types of services, mobile phone recharges, and personal loan settlements. Additionally, Momo enables users to purchase various services, including software licenses, online gaming cards, and tickets for airlines and movies. The company collaborates with 24 domestic banks and international payment networks, ensuring secure and efficient financial transactions for its users. Momo aims to simplify the payment experience, making it effortless and safe for individuals to manage their financial activities.

Comun provides an app-based platform that delivers digital banking services tailored for Latinos in the United States. The platform allows new users to apply for an FDIC-secured deposit account and a VISA debit card in under two minutes. Users benefit from access to over 55,000 ATMs throughout North America, exceptional customer service in both Spanish and English, and advanced fraud detection features to enhance security. Comun also offers free and instant transfers through its internal payments system, ComunYa, and allows users to receive their paychecks up to two days early with Direct Deposit. By addressing the unique financial needs of Latino communities, Comun aims to promote financial stability and empower users to achieve greater financial freedom.

Nomod is a London-based company founded in 2019 that develops a financial operating system aimed at forward-thinking businesses in emerging markets. The company provides payment tools and financial services that facilitate business transactions, allowing entrepreneurs and startups to easily accept card payments both in-person and online. By simplifying financial processes, Nomod enables these businesses to manage their finances effectively, thereby supporting their growth and development.

Union54 is a debit card issuing API based in Lusaka, Zambia, founded in 2020. It enables fintech companies and corporates to issue debit cards to their customers without the need for a bank or credit card processor. The company offers services such as BIN sponsorship, transaction processing, and settlement, streamlining the card issuance process for software developers. Union54's platform allows businesses to integrate debit card functionality into their offerings, enhancing their financial services capabilities.

Moneypool is a community-based financial platform that allows users to create groups for collecting money from others. Founded in 2013 by Ignacio Alvarez, Gerardo Acuña, and Sebastian Cueva, the platform simplifies the process of sending and receiving payments without the need for bank details. Users can contribute through credit or debit cards and cash, while Moneypool charges a standard commission for processing credit card transactions. The platform also aids in dividing expenses, receiving payments, and sending reminders, making it easier for users to manage financial interactions in a straightforward manner.

Fingo Africa is a fintech startup that offers digital banking services primarily designed for the youth. The company provides a range of services, including current accounts, money transfers, bill payments, and link-based payments. Fingo's platform enables users to conveniently transfer money to friends, family, or businesses and includes features such as saving goals and real-time transactions. Through its innovative approach, Fingo aims to simplify the financial experience for younger users, making banking more accessible and user-friendly.

Flexi Salary is a financial services company based in Gurugram, Haryana, that offers employees early access to their earned income. The company has developed a salary wallet that allows employees to draw their pay at any time, with the salary being credited each morning. This amount is subsequently deducted from the employee's next paycheck, facilitating immediate access to funds. By providing this service, Flexi Salary aims to enhance employee satisfaction and reduce attrition rates without altering the employer's existing costs, cash flows, or payroll processes.

Fingo Africa is a fintech startup that offers digital banking services primarily designed for the youth. The company provides a range of services, including current accounts, money transfers, bill payments, and link-based payments. Fingo's platform enables users to conveniently transfer money to friends, family, or businesses and includes features such as saving goals and real-time transactions. Through its innovative approach, Fingo aims to simplify the financial experience for younger users, making banking more accessible and user-friendly.

We help companies improve employee satisfaction, reduce turnover and increase productivity by offering their employees benefits that reduce financial stress. With Monto, users have 24/7 access to their earned wages for a low fixed fee giving them the financial freedom they need to avoid thousands in interest, hidden and overdraft fees.

Pideaky is a payment and collection platform focused on enhancing cash flow for small and medium-sized businesses (SMBs). It combines embedded finance solutions with artificial intelligence to streamline the onboarding and underwriting processes, achieving speeds six times faster than traditional methods. The platform also facilitates quicker payment collections, improving efficiency by three times compared to human operators. Additionally, Pideaky offers a point-of-sale solution that digitizes business operations, allowing for better organization and tracking of sales and inventory. By updating catalogs and enabling online payment operations, Pideaky helps businesses increase their revenue through digital transformation.

LemFi is a digital banking platform tailored for immigrants and individuals with global connections, offering personal and business banking solutions. The company provides users with accounts in both their country of residence and their country of origin, facilitating international payments and money transfers to over 20 countries. LemFi's platform features zero transfer fees and multi-currency support, allowing users to send and receive money securely without the need for a traditional bank account. By bypassing conventional high fees, LemFi simplifies the money transfer process, catering specifically to the needs of its diverse clientele.

Honest is a company focused on developing financial products that enhance users' experience with economical transactions. It offers a credit card application characterized by no annual fees, low interest rates on purchases and balance transfers, as well as rewards points for every transaction. These features are designed to help customers build their credit history and improve their overall financial well-being. By prioritizing user-friendly financial solutions, Honest aims to make financial management accessible and beneficial for its customers.

HappyCredit is an innovative platform based in India that enables users to earn instant rewards while shopping through any bank credit card, debit card, or UPI. Known for its unique feature called Aishback, the platform simplifies the process of earning cashback on transactions, making it accessible and user-friendly. In addition to providing cashback rewards, HappyCredit also offers expense tracking tools to help users manage their spending effectively. By integrating these functionalities, the platform enhances the shopping experience, allowing consumers to benefit financially with every purchase they make.

NextPay is a financial technology company that provides an all-in-one banking service platform tailored for small businesses and entrepreneurs. The platform simplifies financial management by allowing users to collect customer payments through digital invoices, manage cash flow, and execute batch payments to employees, suppliers, or bills. By consolidating various financial activities into a single platform, NextPay enables clients to efficiently send, receive, and oversee their finances, making it a convenient alternative to traditional bank accounts.

Ziina is a financial services company that specializes in peer-to-peer payment solutions through a mobile application. The platform ensures bank-grade security, utilizing end-to-end encryption to facilitate safe transactions. Users can send and receive funds simply using a phone number, allowing for efficient management of personal finances and greater control over their money.

InstaKin is a financial platform designed to assist immigrants in managing projects and tasks in their home countries. The company connects users with local vendors and facilitates secure payments, allowing migrants to send money home efficiently. Its services are tailored to meet the financial needs of families abroad, ensuring that transactions are cashless, instant, and fully digitized. This platform empowers immigrants to support their loved ones while maintaining control over their financial activities.

GreenLight is a financial technology company that offers a comprehensive debit card and money management app designed for families. The platform allows parents and children to earn, save, spend wisely, give, and invest money effectively. Parents can establish flexible spending controls, oversee chores, automate allowances, and invest for their children's futures. Additionally, GreenLight provides up to 3% unlimited cash back on all purchases, with the option for parents to automatically invest those cash rewards in stocks and ETFs for family-related expenses. Founded in 2014 and based in Atlanta, Georgia, GreenLight has become a valuable resource for millions of families seeking to enhance their financial literacy and management.

NextPay is a financial technology company that provides an all-in-one banking service platform tailored for small businesses and entrepreneurs. The platform simplifies financial management by allowing users to collect customer payments through digital invoices, manage cash flow, and execute batch payments to employees, suppliers, or bills. By consolidating various financial activities into a single platform, NextPay enables clients to efficiently send, receive, and oversee their finances, making it a convenient alternative to traditional bank accounts.

Bling is a mobile application based in Paris, founded in 2019, that aims to help users manage their finances more effectively and avoid overdraft situations. The app provides notifications regarding overdraft risks, directly monitors bank balances, and predicts cash flow. By offering users up to €100 when needed, Bling presents a unique alternative to traditional banking practices, which often employ punitive measures for overdrafts. The service encourages users to maintain better financial health by alerting them to their spending habits and suggesting more manageable ways to handle end-of-month expenses.

Zeta is a financial technology company based in San Francisco that provides tools designed to enhance family financial management. Its platform features a modern joint account and money management system, allowing families to track their bank accounts with sharing controls, manage shared and personal budgets, and split transactions. Additionally, Zeta offers capabilities such as bill reminders, memos, and money coaching, all aimed at helping families effectively monitor their spending, establish budgets, and achieve their financial objectives together. The company operates remotely, emphasizing convenience and accessibility in its services.

Monzo is a digital bank that operates primarily through its mobile application, offering a range of banking services including current, savings, and business accounts, as well as overdrafts and loans. It provides real-time spending updates, categorized transactions, budgeting tools, and instant transaction notifications. Monzo's unique features include 'Pots', sub-accounts for saving towards specific goals, and Monzo Plus, a premium subscription service offering additional benefits. The company, founded in 2015 and based in London, aims to serve customers who prefer managing their finances digitally, without the need for physical branches.

Momo is a FinTech startup that provides a mobile electronic wallet and payment application for iOS and Android devices, primarily serving customers in Vietnam. The platform facilitates nationwide cash transfers, bill payments for over 100 types of services, mobile phone recharges, and personal loan settlements. Additionally, Momo enables users to purchase various services, including software licenses, online gaming cards, and tickets for airlines and movies. The company collaborates with 24 domestic banks and international payment networks, ensuring secure and efficient financial transactions for its users. Momo aims to simplify the payment experience, making it effortless and safe for individuals to manage their financial activities.

Monzo is a digital bank that operates primarily through its mobile application, offering a range of banking services including current, savings, and business accounts, as well as overdrafts and loans. It provides real-time spending updates, categorized transactions, budgeting tools, and instant transaction notifications. Monzo's unique features include 'Pots', sub-accounts for saving towards specific goals, and Monzo Plus, a premium subscription service offering additional benefits. The company, founded in 2015 and based in London, aims to serve customers who prefer managing their finances digitally, without the need for physical branches.

GreenLight is a financial technology company that offers a comprehensive debit card and money management app designed for families. The platform allows parents and children to earn, save, spend wisely, give, and invest money effectively. Parents can establish flexible spending controls, oversee chores, automate allowances, and invest for their children's futures. Additionally, GreenLight provides up to 3% unlimited cash back on all purchases, with the option for parents to automatically invest those cash rewards in stocks and ETFs for family-related expenses. Founded in 2014 and based in Atlanta, Georgia, GreenLight has become a valuable resource for millions of families seeking to enhance their financial literacy and management.

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.

Monzo is a digital bank that operates primarily through its mobile application, offering a range of banking services including current, savings, and business accounts, as well as overdrafts and loans. It provides real-time spending updates, categorized transactions, budgeting tools, and instant transaction notifications. Monzo's unique features include 'Pots', sub-accounts for saving towards specific goals, and Monzo Plus, a premium subscription service offering additional benefits. The company, founded in 2015 and based in London, aims to serve customers who prefer managing their finances digitally, without the need for physical branches.

Kyash Inc. is a Japanese fintech startup founded in 2015 and headquartered in Tokyo. The company develops a mobile wallet application and payment platform that enables users to make payments at Visa merchants and conduct peer-to-peer transfers. Kyash offers a proprietary technology platform that allows businesses to issue their own Visa cards instantly through APIs, enhancing their payment processing capabilities. The services provided by Kyash include sending and requesting money quickly and securely using virtual and prepaid cards, making it a convenient option for users seeking efficient money transfer solutions.

Gerald is a technology company based in New York that aims to simplify the bill payment process for consumers, particularly those living paycheck to paycheck. The company has developed a platform that allows users to link their household bill accounts and automate payments, which helps prevent overdraft fees and late charges. By tracking and managing these bills, Gerald’s application offers users peace of mind and financial protection. In addition to bill payment services, the platform provides banking features such as direct deposits, credit building, cash advances, and rewards. Gerald leverages fintech and big data to enhance the user experience, making timely bill payments more manageable and less stressful.

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.

Kyash Inc. is a Japanese fintech startup founded in 2015 and headquartered in Tokyo. The company develops a mobile wallet application and payment platform that enables users to make payments at Visa merchants and conduct peer-to-peer transfers. Kyash offers a proprietary technology platform that allows businesses to issue their own Visa cards instantly through APIs, enhancing their payment processing capabilities. The services provided by Kyash include sending and requesting money quickly and securely using virtual and prepaid cards, making it a convenient option for users seeking efficient money transfer solutions.

Monzo is a digital bank that operates primarily through its mobile application, offering a range of banking services including current, savings, and business accounts, as well as overdrafts and loans. It provides real-time spending updates, categorized transactions, budgeting tools, and instant transaction notifications. Monzo's unique features include 'Pots', sub-accounts for saving towards specific goals, and Monzo Plus, a premium subscription service offering additional benefits. The company, founded in 2015 and based in London, aims to serve customers who prefer managing their finances digitally, without the need for physical branches.

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.

Tide is a UK-based fintech company specializing in business banking services for small and medium-sized enterprises (SMEs). Its platform offers streamlined business accounts and administrative solutions, such as seamless integration with accounting systems, to help SMEs save time and money. Tide's advanced technology is tailored to the needs of SMEs, making it a leading challenger in the UK's SME banking sector. The company is committed to serving SMEs exclusively, focusing on their unique requirements.

Monzo is a digital bank that operates primarily through its mobile application, offering a range of banking services including current, savings, and business accounts, as well as overdrafts and loans. It provides real-time spending updates, categorized transactions, budgeting tools, and instant transaction notifications. Monzo's unique features include 'Pots', sub-accounts for saving towards specific goals, and Monzo Plus, a premium subscription service offering additional benefits. The company, founded in 2015 and based in London, aims to serve customers who prefer managing their finances digitally, without the need for physical branches.

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.

Monzo is a digital bank that operates primarily through its mobile application, offering a range of banking services including current, savings, and business accounts, as well as overdrafts and loans. It provides real-time spending updates, categorized transactions, budgeting tools, and instant transaction notifications. Monzo's unique features include 'Pots', sub-accounts for saving towards specific goals, and Monzo Plus, a premium subscription service offering additional benefits. The company, founded in 2015 and based in London, aims to serve customers who prefer managing their finances digitally, without the need for physical branches.

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.

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.

Slash operates an online banking platform designed to facilitate seamless fund transfers between personal and business bank accounts. The platform offers a range of services, including deposits, payments, virtual cards, and expense tracking. Users benefit from features such as account and routing numbers, direct deposit capabilities, and detailed statements. Additionally, the platform incorporates bank-level security encryption and read-only access to ensure user information is protected. A mobile application enhances the user experience by allowing customers to manage both personal and business accounts from a single dashboard and to split subscription costs with friends. Support services are available to address customer inquiries via email.