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

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.

CFX Labs Inc. operates in the banking industry, focusing on transforming global payment processing. The company aims to facilitate seamless, accessible, and secure cross-border money transfers. Its primary product, MoveMoney.com, serves as an embedded wallet platform designed to help clients monetize foreign exchange slippage. CFX Labs provides a range of value-added services, including KYC compliance, conversion, settlement, risk management, reconciliation, reporting, remittance, and fraud prevention. This allows clients to efficiently manage electronic payments through various channels, such as credit cards, debit cards, banks, and digital wallets. Operating in a highly regulated environment, CFX Labs adheres to stringent laws governing financial transactions and is supported by a small team of dedicated professionals.

Omnumi is a blockchain-based platform that specializes in digital asset and payment infrastructure, emphasizing identity and compliance. It is distinguished as the first platform to integrate digital identity into a fully compliant blockchain system, allowing users to control their digital assets effectively. By offering simple APIs and digital wallets, Omnumi facilitates the execution of financial disbursements. The platform aims to serve as a trusted intermediary for financial transactions, thereby building confidence among global, regional, and national banking networks and regulators in its operational integrity.

Movii is a digital financial services company established in Bogotá in 2017 by Hernando Rubio. The company aims to reduce inequality by providing the unbanked population with access to essential financial services through innovative technology. Movii offers a user-friendly digital payment application that allows individuals to manage their finances conveniently. Users can obtain a rechargeable debit card linked to the app, which is compatible with any smartphone. This platform enables users to perform various transactions, including purchasing digital content, paying utility bills, recharging mobile services, transferring funds to other users, and making online purchases. Movii's focus is on promoting financial inclusion and empowering individuals to handle their money safely and effectively.

Movii is a digital financial services company established in Bogotá in 2017 by Hernando Rubio. The company aims to reduce inequality by providing the unbanked population with access to essential financial services through innovative technology. Movii offers a user-friendly digital payment application that allows individuals to manage their finances conveniently. Users can obtain a rechargeable debit card linked to the app, which is compatible with any smartphone. This platform enables users to perform various transactions, including purchasing digital content, paying utility bills, recharging mobile services, transferring funds to other users, and making online purchases. Movii's focus is on promoting financial inclusion and empowering individuals to handle their money safely and effectively.

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.

EMQ Limited is a Hong Kong-based financial technology startup established in 2014, with additional offices in Taiwan and China. The company focuses on creating a financial network across Asia, emphasizing remittance services. EMQ partners with financial institutions and strategic allies in various countries, including Indonesia, Vietnam, and the Philippines, to facilitate and settle cross-border remittances. The company has developed a mobile application that allows clients to borrow and transfer money efficiently. EMQ holds a Money Service Operator license from the Hong Kong Customs and Excise Department and a Fund Transfer Operator license from Bank Indonesia, enabling it to provide affordable, secure, and real-time financial settlement services for users and global businesses.

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.

Prepaid2Cash, established in 2010 and headquartered in Birmingham, Alabama, specializes in redeeming network-branded prepaid cards. Through its web-based platform, users can convert balances from Visa, MasterCard, American Express, and Discover prepaid cards into direct deposits or mailed checks, with a service fee applied. The company ensures secure transactions through data encryption and robust security measures.

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.

TomoCredit LLC is a financial technology company based in San Francisco, California, that focuses on providing credit solutions for individuals with no credit history or score, particularly targeting Millennials and immigrant populations. Founded in 2018, the company uses alternative data sources analyzed through a proprietary algorithm to assess creditworthiness, allowing users to build their credit and qualify for loans. TomoCredit's product includes a digital credit card that not only helps users establish credit but also offers the opportunity to earn rewards in cryptocurrency. Additionally, the company provides a mobile application that facilitates account management and enhances user engagement. The founding team, comprised of professionals with backgrounds from notable organizations such as Coinbase and Google, aims to address the challenges faced by foreign nationals in obtaining credit.

Uphold, Inc. is a digital money platform that facilitates the buying, holding, sending, receiving, and exchanging of a wide range of currencies and commodities. Established in 2013 and based in San Francisco, California, Uphold offers a cloud-based service that allows users to add funds via bank transfers, credit and debit cards, or cryptocurrencies. The platform supports transactions across 84 currencies, commodities, and equities, providing a secure and efficient means for individuals, businesses, and nonprofits to manage their financial activities. Uphold features an innovative "Anything-to-Anything" trading experience, enabling users to trade directly between different asset classes while minimizing fees. The platform integrates blockchain technology and traditional banking systems, allowing for instant peer-to-peer transactions and spending through the Uphold debit MasterCard, which is available in over 150 countries.

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.

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.

Hal-Cash is a digital wallet platform that facilitates money withdrawals from ATMs using mobile phones. It aims to provide an efficient payment system, allowing users to send and receive money both nationally and internationally. The company's technological infrastructure supports a vast network of affiliated entities in various countries, making it easier and more affordable for individuals to engage in global remittances. Hal-Cash's innovative approach addresses the needs of the remittance market by enhancing convenience and accessibility for users worldwide.

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.

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.

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 New York City-based worktech company that provides an earned wage access solution, aiming to enhance the payment experience for employees across various sectors. By offering a digital wallet system and on-demand pay technology, DailyPay enables workers to access their earned wages before the traditional payday, allowing them to transfer funds directly to any bank account and purchase goods and services as needed. This service acts as a voluntary employee benefit, fostering stronger relationships between employers and their workforce while promoting financial well-being. DailyPay's innovative platform is designed to motivate employees to work harder and remain engaged in their jobs.

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 based in Barcelona, Spain, that simplifies the process of storing, spending, and sharing money. Its mobile application allows users to easily and instantly share payments without hidden fees, offering the option to keep transactions private or public. The platform enables users to pay and request money from friends using their phone contacts, facilitating global money transfers in less than two business days. Founded in 2016, Verse aims to enhance financial interactions by reducing friction in transactions. The application is available for both Android and iOS devices, catering to a wide user base.

DigitalPay operates a software-as-a-service platform that enhances the speed, security, and convenience of digital payments for customers and vendors. Founded in 2011 and based in San Francisco, the company offers a gateway that allows users to securely send funds to their payees' preferred payment networks. The platform serves various industries, including travel, consumer rebates, legal services, and the contractor and freelance economy. By providing access to leading digital payment networks through a unified interface, DigitalPay enables real-time payments that lower operating costs, reduce the risk of fraud, and give recipients the flexibility to choose from multiple payment options.

Kueski is a prominent buy now, pay later (BNPL) and online consumer lending company in Latin America, primarily serving the Mexican market. Founded in 2012, Kueski aims to simplify financial access for consumers through its innovative product offerings. The company's ecosystem includes Kueski Pay, a BNPL solution that facilitates purchases both online and in physical stores, and Kueski Cash, which provides personal loans. By utilizing advanced technologies such as artificial intelligence and big data, Kueski efficiently assesses credit and fraud risks, enabling rapid approval or rejection of loan applications within minutes. This approach helps clients meet their short-term financial needs. Kueski has successfully raised over $300 million in equity and debt financing and has been recognized in industry rankings, underscoring its significant impact on the financial landscape in Mexico.

Knox Payments Inc. is a payment processing company that specializes in facilitating ACH transactions, allowing customers to make direct payments to merchants using their existing bank accounts. Founded in 2013 and based in San Francisco, California, Knox Payments differentiates itself by prioritizing speed and efficiency in online checkouts. The company offers a service called Connexus, which enables users to pay merchants by logging in with their online banking credentials, eliminating the need for users to create new accounts. Through its innovative approach, Knox Payments provides a streamlined and secure payment solution for both merchants and consumers.

Yoco Technologies, based in Cape Town, South Africa, specializes in streamlining commerce between buyers and sellers. It offers a mobile point-of-sale solution that enables businesses to accept secure payments online and offline through a unified platform. This platform also includes lending and business software services, catering to over 300,000 small businesses annually, processing billions of dollars in transactions. Yoco aims to enhance the customer experience by reducing wait times and simplifying payment processes for both buyers and sellers.

Pay By Group offers a white-label checkout solution designed to integrate group-payment and installment capabilities into online retail platforms. This service enables merchants across various sectors, including travel, e-commerce, and healthcare, to facilitate secure online transactions while connecting with customers' banking services. By implementing this innovative payment solution, businesses can enhance their sales and increase conversion rates by over 27%, addressing the demands of a lucrative market segment.

Wyre, established in 2013 and based in San Francisco, specializes in blockchain-based international payment solutions. Its platform facilitates real-time, same-day, and direct-to-bank transfers across borders, offering competitive foreign exchange rates and eliminating high fees, complex timings, and currency exchange worries. Wyre also provides onramps and off-ramps, foreign exchange, and crypto liquidity services to various crypto projects and decentralized exchanges.

nanopay Corporation is a Toronto-based company that specializes in providing loyalty and payment solutions for retail and e-commerce merchants in Canada. The company offers an integrated platform called nanoPay, which streamlines the checkout process by combining customer identity, loyalty, and payment information into single-use transaction tokens. This facilitates seamless shopping experiences through the delivery of offers, loyalty rewards, and payment processing with a single touch. Additionally, nanopay develops MintChip, a payment solution aimed at retailers. The company's technology is built on hybrid blockchain principles, enhancing transaction throughput while simplifying governance and reducing costs. With a focus on innovation, nanopay aims to lead the transition to digital cash on a global scale.

Coin is a San Francisco-based company that specializes in providing a smart payment device designed to consolidate multiple payment cards into a single, convenient format. Its flagship product, Coin 2.0, is an electronic device that stores various card information, including debit, credit, gift, loyalty, and membership cards, allowing users to make purchases using magnetic stripe or NFC tap-to-pay technology. Coin also offers a Developer Program in collaboration with major payment networks, enabling manufacturers of wearable devices, such as fitness trackers and smartwatches, to integrate secure payment capabilities. Founded in 2012, Coin focuses on delivering a user-friendly and secure payment solution that enhances the payment experience through innovative technology.

Marqeta operates a modern card issuing and payment processing platform that enables businesses to create customized payment solutions using open APIs. Founded in 2010 and headquartered in Oakland, California, with an additional office in London, Marqeta's platform allows users to build, issue, and manage digital, physical, and tokenized payment cards. The company provides a range of services including virtual cards, real-time fund transfers, spend controls, and data analytics solutions. Marqeta serves various industries such as e-commerce, lending, on-demand services, and digital banking by offering flexible and scalable payment infrastructure. It is certified to operate in 40 countries globally.

Balanced is the first payment system designed for marketplaces from the ground up. We provide a feature-rich, fully integrated api that allows marketplaces to charge cards, escrow funds, deposit next day via ACH direct, and collect their own marketplace fees.

Ribbon is an online payments platform whose products include the peer-to-peer focused Ribbon, and the merchant payments platform Ribbon Merchant. Ribbon is a simple way to send and receive money online across all devices. Users create a profile page with a URL that anyone can access to pay them using a debit or credit card. The person paying the user is not required to have a Ribbon account. Ribbon Merchant allows sellers to accept payments instantly without having to write any code. Products checkout forms can be hosted as a one-page checkout on Ribbon, or integrated into the seller's website and social media platforms using a simple copy and paste. Ribbon was part of **[AngelPad](http://angelpad.org) #3** in 2011.

Coinbase Global, established in 2012, operates a leading cryptocurrency exchange platform in the United States. The company facilitates transactions, buying, selling, and storage of digital currencies such as Bitcoin, Ethereum, and Litecoin for both consumers and merchants. Coinbase offers a range of products including Coinbase.com, a user-friendly platform for bitcoin transactions, a global digital asset exchange, merchant tools, and custodial services. The company, headquartered in San Francisco, California, aims to provide a safe and regulation-compliant entry point into the cryptocurrency economy.