Hard Yaka

Terminal 3 is a technology company specializing in data storage and access solutions for Web3. It enables users to securely store and manage their data, ensuring privacy and security, while allowing for seamless and controlled access across various applications and websites. The company achieves this by leveraging decentralized storage and advanced cryptographic techniques such as zero-knowledge proofs.

Rain is a finance company that provides credit card services with technical support for secure transactions to web3 and crypto companies.

Goin is a mobile application that enhances users' financial health by layering innovative saving, investing, and smart-shopping tools onto traditional banking services.

Emerge is a financial management tool for businesses. It is a digital-only banking option designed to help Kiwi businesses operate more quickly, economically, and efficiently.

Huma is a fintech company that operates a decentralized finance platform for lending. It connects businesses and individuals seeking loans with global financing options by using tokens as collateral.

CFX Labs is a fintech company specializing in cross-border payments and embedded wallet technology. It supports global payment processing and offers MoveMoney as a key platform for accepting and disbursing electronic payments from credit cards, debit cards, bank accounts, and digital wallets. The company provides value-added services including know-your-customer compliance, currency conversion, settlement, risk management, reconciliation, reporting, remittance, and fraud prevention, enabling users to streamline payment workflows and, in some offerings, monetize foreign exchange slippage. Operating in a heavily regulated environment, CFX Labs emphasizes security and regulatory compliance and maintains a private ownership structure with a small team.

Terminal 3 is a technology company specializing in data storage and access solutions for Web3. It enables users to securely store and manage their data, ensuring privacy and security, while allowing for seamless and controlled access across various applications and websites. The company achieves this by leveraging decentralized storage and advanced cryptographic techniques such as zero-knowledge proofs.

Omnumi is a company that offers a blockchain-based platform designed to facilitate digital asset management and payment processing with a strong emphasis on identity and compliance. It is the first platform to integrate digital identity into a fully compliant infrastructure, allowing users to control and manage their digital assets securely. By providing simple APIs and digital wallets, Omnumi enables the execution of financial disbursements while positioning itself as a trusted intermediary for various financial transactions. The company's focus on compliance and identity assurance allows it to establish partnerships with global, regional, and national banking networks and regulators, fostering trust in its operations and services.

Arf is a liquidity platform designed for financial institutions engaged in cross-border payments. It offers short-term, revolving, and digital asset-based credit lines aimed at enhancing access to liquidity for these institutions globally. By providing a cross-border settlement banking platform for international money transfers, Arf eliminates the conventional capital-intensive models prevalent in the industry. The company focuses on delivering digital asset-based working capital and settlement services, featuring native on-ramp and off-ramp capabilities for licensed money service businesses and financial institutions. This approach enables users to transfer funds without hidden fees and at transparent, fair exchange rates.

Decaf is a digital payment platform that facilitates secure and transparent transactions using blockchain technology. It enables users to send and receive money instantly, with each transaction recorded immutably on the blockchain.

Unstoppable Domains Inc. is a company that specializes in providing blockchain-based domain names, allowing users to create uncensorable websites and secure their digital identities. Established in 2018 and located in Las Vegas, Nevada, the company offers NFT domains that enable individuals to control their online presence. These domains serve multiple purposes, including simplifying cryptocurrency transactions by replacing complex wallet addresses with human-readable names. Unstoppable Domains operates a decentralized domain registry, ensuring that users can send and receive payments without the risk of being restricted by government authorities or traditional domain providers. The platform also facilitates access to over 150 Web3 applications, further enhancing the utility of its domain offerings.

Indicio is a developer of a decentralized identity technology platform aimed at assisting companies in creating and sharing verifiable data while fostering secure relationships. The company provides comprehensive professional services to support clients in transitioning from outdated legacy identity systems to more efficient, decentralized solutions. Indicio's technology is applicable across various industries, including travel, hospitality, government, financial services, agriculture, and education, among others. By offering effective data verification systems, Indicio enables organizations to streamline operations, save time, and reduce reliance on cumbersome paper-based processes.

LimeWire is a digital collectibles marketplace focused on the music, art, and entertainment industries. The platform has been relaunched to transform the way fans and artists interact, providing a framework for direct fan membership that helps artists generate a recurring revenue stream. LimeWire enables users to explore, collect, and trade unique digital collectibles, including NFTs, while keeping them informed with timely announcements within the art and entertainment space. Fans gain access to exclusive content and a private community, allowing them to connect directly with their favorite artists and participate actively in their journeys.

Mask Network is a technology company founded in 2017 and based in Shanghai, China, that develops a platform enabling users to interact with social networks in a decentralized manner. The platform allows users to post encrypted messages, send and receive cryptocurrencies, and share files directly within existing social media platforms. By bridging Web 2.0 and Web 3.0, Mask Network facilitates decentralized applications (DApps) such as crypto payments, decentralized finance, and e-commerce, all while integrating seamlessly with popular social networks like Twitter. The company also supports funding for Gitcoin grant campaigns and aims to enhance user privacy and security online through its innovative features. Overall, Mask Network is focused on creating a decentralized ecosystem that empowers users without requiring them to migrate from their preferred social media platforms.

A digital wealth management platform that enables community banks and credit unions to offer comprehensive investment services. It supports over 70 cryptocurrencies, passive and active investing in thousands of equities and ETFs, and precious metals. Unifimoney integrates with existing digital banking infrastructure, providing a low-cost, user-friendly solution for financial institutions to offer full-service money management.

Founded in Bogotá in 2017, Movii is a fintech company dedicated to providing financial services to the unbanked population. Through its digital payment application and rechargeable debit card, Movii enables users to manage their money safely, pay bills, transfer funds, and purchase goods online or via mobile devices.

Aeldra is a financial services company that provides a comprehensive banking platform tailored for residents outside the United States, particularly focusing on individuals from India. The company facilitates the opening of savings and current bank accounts with U.S. banks, allowing customers to obtain debit cards for both personal and corporate use. Aeldra's services encompass money transfers, bill payments, and other banking transactions, ensuring that users can perform overseas banking activities swiftly, securely, and conveniently. By specializing in mobile banking, remittance, and foreign exchange, Aeldra aims to bridge the gap between international customers and the U.S. banking system.

Momento NFT is a social network focused on non-fungible tokens (NFTs) that empowers content creators to monetize their work while allowing fans to own a piece of the moments they create. The platform utilizes blockchain technology to facilitate the sale of limited-edition content, enabling creators and brands to engage directly with their communities. Additionally, Momento NFT offers features that allow followers to earn rewards based on their interactions within the app, enhancing the relationship between creators and their audience. This innovative approach provides a new revenue stream for creators while enriching the fan experience.

Holaplex is a developer of an enterprise-grade platform that empowers independent artists, musicians, and creators to create and sell non-fungible tokens (NFTs) easily and at no cost. The company offers a no-code solution that allows creators to quickly establish their own NFT stores and marketplaces. By leveraging the Metaplex protocol, Holaplex facilitates fast and low-cost NFT creation on the Solana blockchain. Additionally, the platform serves as a decentralized NFT storefront creation tool, utilizing an open-source social graph to connect creators with collectors. With over 2,000 stores available, Holaplex provides buyers and collectors with opportunities to discover emerging projects and rising artists in the NFT space.

Founded in Bogotá in 2017, Movii is a fintech company dedicated to providing financial services to the unbanked population. Through its digital payment application and rechargeable debit card, Movii enables users to manage their money safely, pay bills, transfer funds, and purchase goods online or via mobile devices.

NFTpay is a fintech company that develops software enabling credit card transactions on websites and applications for buying non-fungible tokens (NFTs). It offers a digital multi-chain platform serving as an NFT marketplace, allowing creators to launch their NFTs and facilitating transactions between artists, content creators, celebrities, influencers, gamers, clubs, and enterprises.

Goin is a mobile application that enhances users' financial health by layering innovative saving, investing, and smart-shopping tools onto traditional banking services.

TransferGo Ltd., established in 2012 and headquartered in London, specializes in international money transfers. It offers affordable, secure, and swift personal and commercial money transfer services, primarily targeting migrant workers sending funds to their families abroad. The company operates as a licensed and authorized payment institution, regulated by the Financial Conduct Authority (FCA) and supervised by Her Majesty's Revenue and Customs (HMRC). TransferGo charges a fixed fee per transaction, along with a currency conversion fee ranging from 0.6% to 1.5%. Its digital account-to-account business model enables users to transfer money overseas with same-day delivery, making it an efficient and cost-effective solution for both individuals and businesses.

DoinGud is an online marketplace and social platform based in Zug, Switzerland, dedicated to empowering artists, creators, collectors, and curators through the use of non-fungible tokens (NFTs). The platform leverages blockchain technology to foster a supportive ecosystem that connects artists with their communities, allowing them to promote and sell their work effectively. DoinGud also emphasizes social impact by enabling creators and social organizations to collaborate and support one another, promoting sustainability and positive social change. Through its innovative approach, DoinGud seeks to create a self-sustaining environment where artistic expression and social responsibility coexist.

Trace Labs Ltd. is a Hong Kong-based company with a mission to facilitate the implementation of blockchain technology to global supply chains and the corporate environment. It is a core technology builder of the open source OriginTrail protocol for inter-organizational data exchange. With the Network Operating System (nOS) powered by OriginTrail, Trace Labs is presenting user communities of the OriginTrail protocol with a bundle of enterprise applications, focusing on quick implementation, great user experience, and interoperability with legacy systems.

Figment Networks develops open-source tools for crypto network health monitoring, enabling informed staking decisions. It focuses on networks like Tezos, Cosmos, Livepeer, and Horizen. Based in Toronto, Canada, the company was founded in 2018.

AnChain.AI Inc. is a cybersecurity company specializing in blockchain data analytics and cryptocurrency transaction monitoring, founded in 2018 and headquartered in Milpitas, California. The company offers a range of solutions, including Blockchain Ecosystem Intelligence, which connects wallet addresses and transactions to real-world entities for compliance and risk management, and a Transaction Analytics Platform that delivers insights through automated alerts and anomaly detection. Additionally, AnChain.AI provides a Smart Contract Auditing Sandbox for assessing the security of Solidity-based smart contracts and a Crypto Ransom Response service aimed at identifying and mitigating threats from cyber adversaries. Its clientele spans various sectors, including financial institutions, blockchain industry participants like exchanges and wallets, and enterprises engaged in cybersecurity and innovation. AnChain.AI's advanced AML engine monitors over $1 billion in daily cryptocurrency transactions, emphasizing its commitment to enhancing security and compliance within the blockchain ecosystem.

Securitize, Inc. operates a compliance platform designed for the issuance and management of digital securities. Founded in 2017 and based in Redwood City, California, the company facilitates various services for issuers, including digital security issuance, document handling, investor communications, and accreditation. For investors, Securitize offers features such as wallet management, an investor dashboard, and token distribution. The platform also includes support services like fiat and crypto escrow, along with custodial services. Securitize is distinguished as the only SEC Registered Transfer Agent integrated with multiple regulated U.S.-based marketplaces, enabling eligible investors to own, manage, and trade digital securities across sectors like equity, funds, fixed income, and real estate. The company's approach enhances transparency, liquidity, and efficiency in the tokenization process, while also providing KYC/AML and capital management services.

ModernTax is API platform that enables financial and fintech companies to access and verified IRS taxpayer records and (2) an employee financial benefits platform providing benefits teams with a comprehensive tool to automate taxable events. ModernTax answers the tax and accounting industry’s need for: 1. Connection between taxpayers and business providers 2. Accessibility of tax data and virtual tax filing services 3. Efficiency of processes for tax and accounting service providers

Blockdaemon facilitates blockchain deployment by offering a node management platform that supports over 30 protocols. It empowers businesses and developers to quickly launch and manage blockchain applications, with tools for exchanges, custodians, and financial institutions.

Noble Money is a digital currency company focused on broadening the accessibility of sound money for individuals worldwide. The company aims to facilitate the adoption of digital currencies, starting with governmental integration. It specializes in the tokenization of digital currencies, working to enhance their usability and acceptance in various sectors. Through its initiatives, Noble Money aspires to make digital currencies a viable option for everyday transactions, ultimately promoting financial inclusivity and innovation in the monetary landscape.

ZELF is a neobank fintech company dedicated to providing accessible financial services to younger generations. Operating in both the EU and the US, ZELF integrates banking functionalities into popular social messaging platforms such as WhatsApp, Facebook Messenger, Discord, Telegram, and Viber. The company aims to simplify monetary transactions by offering features such as AI-powered voice control, invoice creation, and tracking of unpaid invoices, allowing users to manage their finances effortlessly. In June 2022, ZELF introduced its "Bank of the Metaverse" campaign, which combines game assets, NFTs, and fiat currency under a single banking platform, further enhancing its appeal to a tech-savvy audience.

Aeldra is a financial services company that provides a comprehensive banking platform tailored for residents outside the United States, particularly focusing on individuals from India. The company facilitates the opening of savings and current bank accounts with U.S. banks, allowing customers to obtain debit cards for both personal and corporate use. Aeldra's services encompass money transfers, bill payments, and other banking transactions, ensuring that users can perform overseas banking activities swiftly, securely, and conveniently. By specializing in mobile banking, remittance, and foreign exchange, Aeldra aims to bridge the gap between international customers and the U.S. banking system.

Olyn operates a platform designed for content creators to host, distribute, and monetize their media securely. It offers seamless integration, one-link streaming, direct consumer sales, and control over geo-distribution and pricing.

TAP Network is a technology company specializing in blockchain-powered software tailored for enterprise clients across various sectors, including entertainment, travel, and banking. Co-founded by media and advertising professionals Lin Dai and Jared Christopherson, TAP Network has developed a Micro-Redemption Marketplace that features over 250,000 leading brands and merchants, allowing consumers to redeem loyalty points, cryptocurrencies, and other rewards at minimal costs. The company's subscription-based application facilitates the transformation of experiences into tangible rewards, enabling users to obtain discounts or cashback on their transactions while also enhancing engagement and profitability for its enterprise partners. TAP Network aims to create more rewarding opportunities for consumers and streamline interactions within the decentralized advertising space.

Puma is a mobile browser focused on the Web3 ecosystem. It offers native support for IPFS, HNS, and ENS, enabling secure, private browsing with seamless payments via Coil and ILP for creators and developers.

EMQ Limited is a financial technology company founded in 2014 and headquartered in Sheung Wan, Hong Kong, with additional offices in Taiwan and China. The company focuses on developing a comprehensive financial network across Asia, primarily targeting remittance services. EMQ partners with financial institutions and strategic partners in various countries, including Indonesia, Vietnam, and the Philippines, to facilitate and settle cross-border remittances. The company operates a settlement network designed to offer affordable, efficient, and transparent financial services, ensuring that users can conduct cross-border transactions in a streamlined and secure manner. EMQ holds licenses from relevant authorities in Hong Kong and Indonesia, which allows it to operate as a Money Service Operator and Fund Transfer Operator, respectively.

Sorare is a global fantasy football game that enables users to trade official digital collectibles. Founded in Paris in 2018, the platform allows players to manage their teams using digital NFT cards, fostering competition and community interaction.

Goin is a mobile application that enhances users' financial health by layering innovative saving, investing, and smart-shopping tools onto traditional banking services.

Verified is a digital identity platform that enables businesses to streamline user onboarding processes, particularly in the fintech sector. By providing a single identity solution, the company consolidates multiple verifications into one cohesive identity for individuals. This innovative approach allows organizations to replace traditional password systems with a more efficient and secure method for authenticating users. Verified's technology facilitates a network of verified individuals, making it easier for businesses to sign up new customers swiftly and securely, thus enhancing user experience and reducing friction in the onboarding process.

TransferGo Ltd., established in 2012 and headquartered in London, specializes in international money transfers. It offers affordable, secure, and swift personal and commercial money transfer services, primarily targeting migrant workers sending funds to their families abroad. The company operates as a licensed and authorized payment institution, regulated by the Financial Conduct Authority (FCA) and supervised by Her Majesty's Revenue and Customs (HMRC). TransferGo charges a fixed fee per transaction, along with a currency conversion fee ranging from 0.6% to 1.5%. Its digital account-to-account business model enables users to transfer money overseas with same-day delivery, making it an efficient and cost-effective solution for both individuals and businesses.

Coinme operates the largest licensed cryptocurrency cash exchange in the United States, providing a nationwide network of bitcoin ATMs, a digital wallet, and exchange services. Through partnerships with Coinstar and MoneyGram, customers can buy and sell bitcoin with cash at thousands of locations in 48 states. The company also offers an enterprise-grade API and tools that enable legacy financial systems and merchants to crypto-enable their operations, along with consumer products to buy, store, and manage digital currencies. Founded in 2014 and based in Seattle, Coinme aims to broaden access to digital currencies and facilitate easy, secure transactions.

StandardC offers a modular platform for streamlined compliance processes across identity verification, due diligence, and ongoing monitoring. Serving various industries including banking, lending, and real estate, StandardC's transparent pay-per-use pricing model ensures accessibility to businesses of all sizes. The platform integrates seamlessly with enterprise software, minimizing disruptions while maximizing efficiency.

Founded in 2018, Quo Finance develops a financial planning platform that uses advanced AI to create personalized backup plans. This helps users modify loans and reduce default risks automatically, enabling them to reach their lifestyle goals faster.

Cogni is a New York-based company that develops a digital banking platform designed to enhance financial services for businesses across Europe. Formerly known as Bizbaze, Cogni offers multi-currency business accounts that integrate artificial intelligence-driven tools to streamline various financial activities. The platform employs machine learning to automate and simplify virtual payments, providing users with an intuitive interface that supports a range of financial transactions, including deposits and lifestyle-related bookings such as hotels and flights. By focusing on accessibility and transparency, Cogni aims to revolutionize the digital banking experience for its users, combining traditional finance with emerging technologies like decentralized finance and non-fungible tokens.

Planetary is a humane decentralized social network. We've built an open protocol and platform for social media and software. A place where you control your data and relationships. This new platform does for social media what open source did for software, creating a common platform for all to build upon secure scuttlebutt. Social media is the public sphere and it needs to be owned and controlled by the people who create it.

Xertify is a blockchain-based platform enabling secure exchange of digitally certified credentials between individuals and institutions worldwide. It facilitates cross-border consultation by allowing users to issue certificates in multiple languages, and securely stores these documents in virtual folders within a private digital wallet.

Everykey, Inc. is a technology company based in Cleveland, Ohio, founded in 2015. The company specializes in a Bluetooth device that replaces traditional keys and passwords. This innovative product not only generates secure passwords for various online accounts but also facilitates automatic logins when users visit websites. Everykey aims to enhance security and user convenience by streamlining access to multiple accounts through a single device, eliminating the need for multiple passwords and physical keys.

Prepaid2Cash is a financial technology company that offers a software platform for redeeming network-branded and open-loop prepaid cards. Through its web-based solution, users can convert prepaid card balances into cash by direct deposit or mailed check. The platform supports cards acquired through rebates, promotions, or gifts, enabling users to scan their prepaid or gift cards and transfer the value to their bank accounts, with data encryption and secure transaction processing.

Reby Inc is a European multinational company based in Barcelona, Spain, that specializes in the development of software and infrastructure for public sharing transport systems, particularly electric scooters. Founded in 2018, Reby's software enables users to locate and unlock nearby electric scooters via a QR code on both Android and iOS devices. The company distinguishes itself by manufacturing its own scooters rather than relying on Chinese-made alternatives, ensuring a higher standard of quality and service. Through its innovative approach, Reby aims to enhance urban mobility and promote sustainable transportation solutions across European cities.

TransferGo Ltd., established in 2012 and headquartered in London, specializes in international money transfers. It offers affordable, secure, and swift personal and commercial money transfer services, primarily targeting migrant workers sending funds to their families abroad. The company operates as a licensed and authorized payment institution, regulated by the Financial Conduct Authority (FCA) and supervised by Her Majesty's Revenue and Customs (HMRC). TransferGo charges a fixed fee per transaction, along with a currency conversion fee ranging from 0.6% to 1.5%. Its digital account-to-account business model enables users to transfer money overseas with same-day delivery, making it an efficient and cost-effective solution for both individuals and businesses.

Founded in 2018, TomoCredit is a fintech company based in San Francisco. It offers an AI-powered platform designed for millennials and small business owners to build credit history and qualify for loans using alternative data sources. The company provides a smart credit card and a mobile application for account management.

TangoTrade is a B2B fintech company specializing in facilitating international trade for small and medium-sized enterprises (SMEs). It offers an innovative trade finance platform that combines financing solutions, payment assurance, and cross-border payments, all powered by smart contracts and blockchain technology. This enables SMEs to participate confidently and cost-effectively in global trade opportunities.

Kava Labs Inc. is a provider of interledger solutions, focusing on enhancing the interoperability of blockchains, wallets, and exchanges. Founded in 2018 and headquartered in San Francisco, California, Kava operates a decentralized platform that offers a comprehensive range of financial services tailored for cryptocurrencies. As digital assets gain wider acceptance, Kava aims to fill the gap in traditional financial offerings by providing products such as money markets, loans, stablecoins, and high-yield accounts for crypto assets. By leveraging autonomous software, Kava's platform eliminates the need for intermediaries, allowing users globally to access financial services without incurring additional fees. This approach enables users to optimize their digital assets and generate returns in an evolving financial landscape.

Uphold operates a cloud-based platform for moving, converting, transacting, and holding various currencies, commodities, equities, and other assets. Its platform enables users to add funds via bank transfers or cards, send/receive payments, convert currencies, and hold funds securely. Serving individuals, businesses, developers, and charities worldwide, Uphold facilitates transactions in over 150 countries with low fees.

SportBLX is an investment platform founded in 2018 and headquartered in New York, designed to allow fans and investors globally to acquire shares in unique sports assets. The platform facilitates the process of identifying athletes, teams, or racehorses willing to sell a percentage of their on-field earnings or equity. It provides users with the tools to review and research these offerings before making investments. By enabling ownership in sports-related assets, SportBLX bridges the gap between fans and the financial aspects of the sports industry.

TransferGo Ltd., established in 2012 and headquartered in London, specializes in international money transfers. It offers affordable, secure, and swift personal and commercial money transfer services, primarily targeting migrant workers sending funds to their families abroad. The company operates as a licensed and authorized payment institution, regulated by the Financial Conduct Authority (FCA) and supervised by Her Majesty's Revenue and Customs (HMRC). TransferGo charges a fixed fee per transaction, along with a currency conversion fee ranging from 0.6% to 1.5%. Its digital account-to-account business model enables users to transfer money overseas with same-day delivery, making it an efficient and cost-effective solution for both individuals and businesses.

Mythical Games Inc. is a game technology studio founded in 2018 and based in Sherman Oaks, California, with an additional office in Seattle, Washington. The company develops blockchain-based games and aims to create a new generation of gaming experiences by enabling true ownership of digital assets, verifiable scarcity, and integrated secondary markets. Its flagship title, Blankos, is a casual multiplayer game where players can buy, trade, and sell their unique designs. Mythical Games also provides tools for content creators and brands, allowing them to customize and own game assets. By fostering a decentralized gaming ecosystem, the company brings players, developers, and content creators together, promoting personalized experiences and driving consumer adoption of distributed ledger technology through innovative gaming products.

Cogni is a New York-based company that develops a digital banking platform designed to enhance financial services for businesses across Europe. Formerly known as Bizbaze, Cogni offers multi-currency business accounts that integrate artificial intelligence-driven tools to streamline various financial activities. The platform employs machine learning to automate and simplify virtual payments, providing users with an intuitive interface that supports a range of financial transactions, including deposits and lifestyle-related bookings such as hotels and flights. By focusing on accessibility and transparency, Cogni aims to revolutionize the digital banking experience for its users, combining traditional finance with emerging technologies like decentralized finance and non-fungible tokens.

Yoyo Wallet, established in 2013 and headquartered in London, specializes in mobile payment solutions. It offers a user-friendly app enabling customers to make in-store purchases using their smartphones, processing over 150,000 monthly transactions. The platform combines payment and loyalty features, providing retailers with a marketing tool for in-store customer engagement and targeted rewards based on purchase history. Yoyo Wallet serves retailers, universities, and corporate locations across the United Kingdom.

SMBX, Inc. is an online funding portal and public marketplace based in San Francisco, California, that facilitates the issuance and buying of small business bonds. Founded in 2016, the company enables small businesses to raise capital by offering bonds directly to the public, bypassing traditional banking channels and associated regulatory fees. SMBX focuses primarily on small business debt, particularly within the SBA loan market, providing an innovative alternative for businesses seeking financing. The company also operates a mobile application to enhance user accessibility and engagement. By connecting high-quality businesses with potential investors, SMBX aims to streamline the capital-raising process for small enterprises.

Nodle operates a decentralized network that connects mobile phones and IoT devices, enabling various applications such as asset tracking, event attendance verification, and media content certification. It leverages the NODL token for crypto payments and ensures user privacy.

Cuenca, established in 2016 and headquartered in San Francisco, California, is a FinTech company specializing in digital financial services. It operates a mobile-based bill payment platform, enabling users to settle mobile, electricity, water, and other utility bills conveniently. Additionally, Cuenca offers online banking services through its application, providing users with competitive interest rates, loan facilities, and secure digital money deposits and repayments.

Snowball Money operates a crypto investment automation platform that simplifies access to professionally curated portfolios, enabling users to invest like accredited investors. Founded in 2018 and headquartered in San Francisco, California, the platform provides a single, safe, and easy-to-use solution for investing in tax-optimized crypto portfolios or bundles that generate interest. It allows investors to earn high yields without the need to register with multiple exchanges or manage different wallets, streamlining the investment process in the crypto markets.

GlobaliD offers a privacy-first digital identity platform that puts individuals in control of their personal data through a self-sovereign identity system. The platform enables passwordless access to services, participation in decentralized finance, and secure verification across online ecosystems while preserving privacy through encryption and strong security measures. By empowering portable, owner-controlled digital identities, GlobaliD aims to replace traditional credential models with private, secure, and interoperable identities that users manage themselves.

BallotReady is an online, non-partisan voter guide for local elections that aggregates content from candidate websites, League of Women Voters questionnaires, news articles, campaign finance records, and legislative roll calls to provide nonpartisan background information on every candidate and referendum on a voter's ballot. The platform enables users to compare all candidates on their ballot, obtain essential information needed in the voting booth, and save selected candidates to a mobile device for offline review. It supports civic engagement by offering data services and digital tools that help voters understand their entire ballot and make informed choices.

Trim is a personal finance assistant that aims to enhance the financial health of Americans through its automated services. The application analyzes users' spending habits, negotiates bills for services such as cable and internet, cancels unwanted subscriptions, and provides spending insights and recommendations. By leveraging these features, Trim has successfully saved its users over $60 million. The company is supported by a team with extensive experience from renowned organizations and backed by notable venture investors. As Trim continues to expand its offerings, it remains focused on helping individuals manage their finances more effectively and achieve greater financial stability.

Lightning Labs develops advanced financial infrastructure using cryptography, blockchains, and smart contracts. They are known for Lightning Network Daemon (lnd), a leading implementation of the Lightning Network protocol, and Neutrino, a platform enabling fast blockchain transactions on mobile devices.

Hal-Cash is a company that has developed a digital wallet platform designed to facilitate an efficient global payment system. Its innovative technology allows users to withdraw money from ATMs using their mobile phones, streamlining the cash withdrawal process. Additionally, Hal-Cash supports an electronic payment system that enables both national and international money transfers through a wide network of affiliated entities across various countries. This capability enhances the global remittance market by providing a more affordable and convenient method for individuals to send and receive money. Overall, Hal-Cash aims to improve the accessibility and efficiency of financial transactions for its users.

Empyr, Inc. is a San Diego-based company that operates an online-to-offline advertisement platform designed to connect digital engagement with real-world purchases. Established in 2011, Empyr specializes in card-linked offers, enabling national brands and digital publishers to track online advertisements that lead to offline sales. By integrating directly with major credit card associations, Empyr allows consumers to earn cashback at offline merchants simply by using their debit or credit cards. This platform provides a seamless experience for users while offering publishers the ability to generate revenue from each purchase and allowing merchants to link offline sales to specific online marketing efforts. Empyr collaborates with a diverse range of partners, including notable names in technology, banking, and hospitality, thereby tapping into the significant potential of the $3 trillion offline commerce market driven by online activity. The company has raised $35 million through its parent organization, Mogl, and currently employs 60 individuals.

Voatz Inc., established in 2014 and headquartered in Brookline, Massachusetts, specializes in designing and developing a secure mobile voting application. The company's platform employs blockchain technology, biometric scanning, and real-time voter-verification paper ballots to authenticate voters and securely store votes. Voatz has successfully facilitated over 5 million voters across 140 elections in seven countries, including notable firsts such as the U.S. Federal Election in 2018 and the U.S. Presidential Elections in 2020. Recently, Voatz was selected by 15 cities in Canada for the 2022 Ontario Municipal Elections and used in Mexico's 2024 Presidential Elections, demonstrating its global impact on secure and accessible voting processes.

Finerio Connect is a Mexico-based developer of a personal finance platform that enables individuals to link bank accounts, monitor expenses, view financial information, and analyze spending patterns to plan budgets and improve savings. The platform also provides open finance capabilities and APIs for financial institutions to access and analyze customer data, supporting data-driven budgeting and more effective savings outcomes.

KoreConX, founded in 2016 and based in New York City, offers a comprehensive platform designed to streamline the process of raising equity capital for companies. Its services encompass shareholder management, boardroom management, cap table management, portfolio management, and compliance management, all integrated into a single user-friendly interface. This approach facilitates efficient contribution, management, and distribution of corporate information and financial documents among all parties involved. The platform enhances deal preparations, decision-making, and investment management while ensuring security and compliance through a secure and auditable environment. KoreConX's solution is tailored to meet the needs of businesses looking to optimize their organizational processes, whether in raising capital, conducting board meetings, or improving shareholder communications.

GlobaliD offers a privacy-first digital identity platform that puts individuals in control of their personal data through a self-sovereign identity system. The platform enables passwordless access to services, participation in decentralized finance, and secure verification across online ecosystems while preserving privacy through encryption and strong security measures. By empowering portable, owner-controlled digital identities, GlobaliD aims to replace traditional credential models with private, secure, and interoperable identities that users manage themselves.

Countable provides virtual community management for corporations, nonprofits, and political campaigns. It uses technology to communicate and strengthen human interconnectedness, delivering technology solutions that facilitate community engagement.

Dropel Fabrics specializes in designing and supplying hydrophobic textiles, offering innovative spill and stain repellent fabrics primarily made from premium cotton. Founded in 2015 and based in New York City, the company employs advanced material science and cotton processing techniques to create clothing that is both stain-proof and spill-proof, effectively combining the performance qualities of synthetic materials with the softness and breathability of natural fabrics. This approach allows customers to remain clean, dry, fresh, and comfortable in their apparel. Dropel has received recognition for its innovative contributions to the industry, including awards at notable events such as Demo China’s Silicon Valley Summit and SXSW Interactive, where it was named a finalist for World Technology.

Founded in California in 2016, Wonderschool supports experienced educators to start licensed infant and toddler programs or preschools from their homes. The company provides assistance with licensing, program setup, marketing, and offers a software platform for managing students, parents, and operations. It also features a marketplace for parents to search programs, schedule visits, enroll children, and make payments.

Castle is a technology company that specializes in online fraud prevention. It offers an API-based solution that enables businesses of all sizes to detect and mitigate user account fraud, a capability previously accessible only to large financial institutions. Castle's platform tracks and analyzes user behavior in real-time, using a wide range of signals such as device fingerprints, keystroke dynamics, and browsing history. When suspicious activity is detected, both the business administrator and the affected user are alerted, allowing for swift and appropriate action. This service is designed to protect a broad spectrum of online businesses, including e-commerce platforms, mobile applications, and cryptocurrency services.

Simpl Technologies Private Limited, established in 2015 and headquartered in Mumbai, India, operates a leading online payments platform that enhances the e-commerce experience. The company has developed a market-leading Pay-Later platform, allowing merchants to offer consumers a seamless 1-click checkout experience and a line of credit at the point of sale. Simpl's innovative approach streamlines the payment process by using algorithms and payment engineering to consolidate transactions, enabling users to avoid repetitive payments. Additionally, the platform provides full buyer protection, ensuring secure monetary transactions between customers and merchants. Through its services, Simpl aims to simplify and automate the online payment experience for all parties involved.

Earny Inc. is a Los Angeles-based company founded in 2016, specializing in a mobile application that provides money protection and refund services. The application acts as a personal assistant, automatically tracking purchases to identify better prices for items that users have bought and securing refunds for the price differences. Earny aims to enhance consumer confidence in shopping by ensuring that users will not overpay for their purchases.

ShapeShift is a digital currency exchange platform established in July 2014, designed to facilitate the instant conversion of Bitcoin and various altcoins. The platform distinguishes itself by allowing users to trade cryptocurrencies without the need for user accounts or registration, thereby enhancing privacy and reducing risks associated with personal information and funds. In the summer of 2019, ShapeShift introduced a new platform that empowers users to self-custody their crypto assets while providing functionalities to buy, sell, trade, track, send, and receive cryptocurrencies independently of third-party involvement. Additionally, the company operates CoinCap.io, a real-time crypto market data service, and acquired the hardware wallet company KeepKey in 2017. ShapeShift is led by industry veteran Erik Voorhees.

MagicBus operates a bus booking platform that serves long-distance commuters by offering flexible vanpooling options. Founded in 2014 and based in San Francisco, the company enables riders to pre-book seats and adjust routes in response to demand, making long-distance travel more convenient. The platform partners with transit providers to offer part-time or occasional rides, allowing users to reserve seats on available buses from anywhere and to select routes that fit their schedules.

Upgrade operates an online lending platform offering personal loans, the Upgrade Card, credit health monitoring, and educational tools. It serves both mainstream consumers and those underserved by traditional banking, aiming to provide affordable and responsible credit access.

Founded in 2014, Aircall provides innovative cloud-based call center software for startups and small to medium-sized businesses. Its platform integrates with popular productivity tools, enabling efficient phone support management.

Trim is a personal finance assistant that aims to enhance the financial health of Americans through its automated services. The application analyzes users' spending habits, negotiates bills for services such as cable and internet, cancels unwanted subscriptions, and provides spending insights and recommendations. By leveraging these features, Trim has successfully saved its users over $60 million. The company is supported by a team with extensive experience from renowned organizations and backed by notable venture investors. As Trim continues to expand its offerings, it remains focused on helping individuals manage their finances more effectively and achieve greater financial stability.

Payswiff is a prominent Indian fintech company offering comprehensive electronic payment solutions to enterprises, SMEs, banks, and mobile service operators across 12 countries, including regions in Asia, the Middle East, Africa, and Europe. Founded in 2013, the company initially launched Paynear ONE, an omni-channel payment solution that facilitates in-store, online, and mobile transactions through various modes such as credit cards, debit cards, net banking, e-wallets, and UPI. In 2017, Payswiff expanded by acquiring Goswiff International and rebranding itself, while also becoming a licensed GST Suvidha Provider, offering streamlined tax filing services through its TaxnGo application. The company’s innovative approaches have supported the Indian government's push for a digital economy and have earned it recognition through multiple industry awards. With partnerships with over 50 banks globally and a presence in 11 countries, Payswiff continues to enhance payment processing for small and medium businesses, making transactions seamless and efficient.

Alloy is a technology company specializing in identity verification solutions for financial institutions. It offers an API-driven platform that simplifies fraud detection and compliance processes such as KYC, AML, and fraud prevention.

ID Dataweb provides a comprehensive cloud-based identity security platform, trusted by Fortune 500 companies. It enables secure identity verification across various channels, integrating over 70 best-in-class tools for robust identity proofing and adaptive authentication. The platform ensures no storage of personally identifiable information (PII) and offers low/no-code configuration of workflows, centralized reporting, and frictionless yet highly secure processes to prevent account fraud.

MONI Nordic Oy, based in Helsinki, Finland, is a company that specializes in providing prepaid MasterCards to facilitate both online and offline payments. Founded in 2013, MONI aims to create accessible mobile personal banking tools that allow users to manage their financial activities, such as making purchases, sending and receiving money, obtaining credit, and withdrawing cash. The company develops a virtual banking platform that enables users to access essential financial services from any mobile device, thus bridging traditional banking with modern technologies like cryptocurrencies. By reducing system complexity and eliminating intermediaries, MONI's technology aims to lower costs and decrease fraud, thereby enhancing the overall banking experience for individuals worldwide.

DailyPay is a worktech company specializing in earned wage access solutions. It uses an award-winning platform to help employers strengthen employee relationships while supporting workers' financial well-being outside the workplace.

Nwave Technologies develops low‑power wireless hardware and software for Internet of Things applications, with a primary focus on parking space sensors. The company’s sensors use multiple sensing methods and advanced filtering to accurately detect vehicle presence while rejecting false signals such as underground train activity or electrical noise. They operate without wiring, have a battery life of 5 to 8 years, and communicate directly to a single gateway within a three‑mile range. The platform aggregates real‑time data and provides analytics and payment integration for parking asset owners, enabling efficient space management. In addition to parking, Nwave’s technology supports traffic management, metering, agriculture, oil and gas, and other asset‑management sectors.

Sure develops and operates an online platform that enables users to purchase various types of insurance coverage from renowned providers. Founded in 2014, the company is headquartered in San Diego, California.

Enter is a payments platform that focuses on serving businesses in emerging markets, particularly in the healthcare sector. It operates a revenue cycle management system designed to streamline the billing process for healthcare providers. The platform aims to facilitate timely payments from insurance companies while enhancing the overall patient experience. By offering fast, accurate, and transparent billing operations, Enter enables healthcare providers to achieve higher reimbursement rates, mitigate risks associated with HIPAA compliance, and maintain industry-standard transparency in their financial processes.

Verse is a payments technology platform that simplifies storing, spending, and sharing money. Its mobile app enables easy, instant, and fee-free transactions, with optional privacy settings for financial activities. Available on Android and iOS, Verse completes transactions within two business days.

Kickpay Inc., established in 2014 and headquartered in San Francisco, operates an online marketplace that facilitates invoice trading. The company connects businesses with investors, allowing businesses to sell their outstanding invoices at a discount for immediate cash flow. This service enables companies, particularly those in the hardware sector, to access financing options previously unavailable, fostering faster growth by improving liquidity and reducing reliance on traditional lending sources.

DigitalPay is a digital payments provider that operates a SaaS platform designed to enhance the speed, security, and convenience of transactions for customers and vendors. Founded in 2011 and based in San Francisco, California, the company offers a gateway that allows users to securely send money to their payees' preferred payment networks. Serving industries such as travel, consumer rebates, legal services, and the contractor/freelance economy, DigitalPay's platform facilitates real-time payments, thereby lowering operating costs, reducing fraud, and providing recipients with a range of popular payment options. This unified experience allows clients to enjoy greater choice and efficiency in their digital payment processes.

Roomi, Inc. operates a mobile application and website that facilitates the connection between individuals seeking roommates and those offering available rooms. Launched in 2013 and based in New York, Roomi provides a user-friendly platform where listings are generated and verified by its members, ensuring authenticity. Users can easily post their available rooms, browse through listings based on lifestyle preferences, engage with potential roommates via in-app chat, and manage rental applications and payments seamlessly. Roomi's focus on peer-to-peer interactions fosters a safe and convenient environment for finding flexible and affordable co-living solutions, distinguishing it from traditional housing platforms that aggregate listings.

Founded in 2014, Bitso is a cryptocurrency exchange platform headquartered in Mexico City. It enables users to buy, sell, and trade various cryptocurrencies securely using their mobile devices or other devices.

Savvy is a global platform where learners and teachers connect for live, one on one video learning sessions. One on one learning is the most effective way to learn anything, from how to manage your personal finances to how to put on makeup. Savvy gives anyone with expertise the ability to teach, and makes it easy for learners to book, learn, and pay for sessions whenever and wherever they want.