Hard Yaka

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

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.

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

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.

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.

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

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.

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.

Cuenca is a fintech company that provides digital banking and payments services through online and mobile platforms. The business offers savings and deposit facilities, digital loan capabilities with real-time funding, and the ability to send and receive money. It supports paying bills and services, including utilities, and enables users to manage finances securely, either digitally or with a physical card. The platform aims to simplify everyday financial tasks by combining online banking, bill payment, and digital money transfers in one solution.

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.

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 developer of a personal finance platform that helps financial institutions unlock the value of their data. The platform offers open finance, data analysis, and personal finance management APIs, enabling banks and other lenders to tailor services and insights. It specializes in creating custom budgets, monitoring and tracking expenses, viewing financial information, and linking bank accounts, while analyzing consumption patterns. The solution supports planning and controlling consumer spending and increasing savings by transforming disparate financial data into actionable insights.

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.

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.

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.

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.

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.

Grand Junction, Inc. is a technology company based in San Francisco, California, that specializes in Software-as-a-Service solutions for local delivery management. Founded in 2000, the company has developed a comprehensive platform that facilitates access to same-day delivery services across all markets in the United States and Canada. With a network of 700 local carriers, Grand Junction enables small to medium-sized businesses, large enterprises, and individual consumers to efficiently manage deliveries. The platform offers various customizable options, including on-demand, same-day, scheduled, and two-person delivery services. Grand Junction's technology not only enhances the customer experience through features like real-time visibility and GPS alerts but also significantly reduces delivery costs for its users. Having managed nearly 100 million deliveries to date, Grand Junction stands out as a leader in the local delivery sector.

Yoco is an African technology company that enables entrepreneurs and small businesses to accept secure payments online and in person through a single platform. Its product ecosystem includes payments, lending, and business software.

Authy is a security technology company that offers two-factor authentication solutions. It provides a smartphone app for consumers, an API for developers, and an authentication platform for enterprises. Authy enables users to customize their security settings and ensures compliance with various global regulatory standards such as PCI, HIPAA, and FIPS 140. Its services protect numerous apps including Facebook, Gmail, and Dropbox, offering verification methods like unique codes, text messages, or singular answer questions displayed only on the user's mobile device.

Chat Center is the best way to help customers or friends connect with you for Chat. Once you install the app you can claim a Chat Name. This name can be expressed as a URL. For example, the Chat Name for Chat Center Customer Care is http://chatcenter.me/cc. Anybody who clicks on the name is instantly in a chat with you. Because the name is a URL it can be shared anywhere. -- Businesses can put it on a web site to enable "Click to Chat" for customers. -- It can be placed in an email signature. -- Social Network members can place it in their profile to enable "Click to Chat" from the social network to the name owner. This works great on Instagram, Twitter, Facebook or Ello for example. -- Including it in blog posts or other web pages, -- Share it in Tweets or Instagram messages, -- Or just share it with customers, friends and family privately. Our vision is that every business and individual on earth can have a Chat Name that links to their iPhone, allowing each of us to be connected to each other through a simple name. This approach means that those trying to chat with you do not need to have the Chat Center App. All they need is the name or a link. Most Names are Free. However we do have Premium Names for $1.99 a month or $19.99 annually. These are short names and familiar names, including Brands and Trademarks, Places, Common Names. But we have gone one step further. We have made every mobile number on earth a Chat Address for outbound messaging. Chat Center imports your contacts from your address book into the app. From the very start, and with no effort, you can start a chat with any of your contacts for whom you already have a mobile number. They will reply to you right in chat center. This is Free outbound messaging. No SMS bills. By installing Chat Center on your iPhone or iPad you will get alerts and notifications for all inbound chats. Of course you can choose to answer or block any chat request.

Summon is an on-demand transportation service operating in San Francisco that connects riders with taxis and vetted drivers through its mobile application. Users can easily request a ride by entering their credit or debit card information, which is used to pay for fares and tips after reaching their destination. The service emphasizes fair pricing for riders and transparent policies for drivers, enhancing the overall experience for both parties. Summon was inspired by a personal experience of its founder, who faced significant delays while waiting for public transportation, ultimately leading to the creation of a more efficient ride-hailing solution.

Parking Panda Corp. is a mobile and web-based platform that facilitates the rental and reservation of parking spaces across North America. Founded in 2011 and headquartered in Baltimore, Maryland, the company allows parking space owners to list underutilized spots for drivers seeking parking through its mobile application. Users can search, compare, and reserve guaranteed parking in over 40 cities, streamlining the parking process. In addition to its core reservation services, Parking Panda offers PandaScan, a cloud-based solution that combines hardware scanning technology with its digital platform, alongside a suite of management tools designed to simplify payment processing, inventory tracking, and ticket creation for parking operators. As of April 2017, Parking Panda operates as a subsidiary of SpotHero Inc.

Parking Panda Corp. is a mobile and web-based platform that facilitates the rental and reservation of parking spaces across North America. Founded in 2011 and headquartered in Baltimore, Maryland, the company allows parking space owners to list underutilized spots for drivers seeking parking through its mobile application. Users can search, compare, and reserve guaranteed parking in over 40 cities, streamlining the parking process. In addition to its core reservation services, Parking Panda offers PandaScan, a cloud-based solution that combines hardware scanning technology with its digital platform, alongside a suite of management tools designed to simplify payment processing, inventory tracking, and ticket creation for parking operators. As of April 2017, Parking Panda operates as a subsidiary of SpotHero Inc.

Game Play Network develops mobile gambling platforms that enable online horse race wagering under state licenses. The platform delivers pari-mutuel horse racing experiences via on-demand mobile games, allowing users to wager on races and win cash legally. Powered by patented technology and backed by a comprehensive patent library, the platform positions the company to extend brands to online and land-based players across 22 U.S. states, reflecting a broad iGaming footprint.

MightyText is a technology company based in the Bay Area, California, founded by a team with experience from notable firms such as Google, Zynga, and Cisco. The company operates a messaging application that allows users to send and receive SMS and MMS messages as well as phone calls from their computers or tablets. By utilizing a user’s phone number, MightyText ensures that messages remain synchronized with the phone's SMS inbox, helping individuals manage their communications more efficiently and avoid missing important notifications. The platform leverages the capabilities of the Android operating system to enhance user experience and accessibility for consumers worldwide.

Proven is a hiring tool tailored for small businesses, providing an employment application software that simplifies the recruitment process. Founded in 2009 and headquartered in San Francisco, California, the platform allows employers to manage hiring tasks directly from their smartphones or tablets. Users can post job openings on platforms like Craigslist, as well as review resumes, respond to candidates, and contact them efficiently. Proven's fully native apps for iOS and Android enhance the hiring experience by making it accessible and convenient for busy employers.

Kabbage is a financial technology company that provides small businesses with automated access to working capital through a 100% online lending platform. The platform uses business data such as revenue, accounting data, transactions, shipping, and other sources to assess health and calculate credit lines in real time, enabling applications, approvals, and funding decisions in minutes. It offers ongoing lines of credit and a purchasing card tied to the account for point-of-sale payments, along with a mobile app for on-the-go access and management. Kabbage began serving online merchants and expanded to all small businesses, including brick-and-mortar customers, and licenses its data and technology to power lending for other organizations.