Liquid 2 Ventures

Checkmate is a digital wallet and payments company that provides a range of financial solutions designed to enhance the shopping experience for users. The company operates a data platform that focuses on compounding discounts for e-commerce purchases. By utilizing first-party data, Checkmate creates personalized shopping journeys that not only improve the overall experience for consumers but also increase revenue for brands. This allows online shoppers to save money both in digital transactions and in physical retail settings.

Balance is a home co-investment platform designed to assist homeowners struggling with traditional mortgage qualifications, particularly those with low credit or who have fallen behind on payments. The company enables homeowners to access their existing home equity to pay off their entire mortgage and other debts, while also offering the option of cash out. Through its co-ownership model, Balance allows homeowners to make affordable monthly payments, which can be made in equity rather than cash, while retaining full control of their property. Homeowners maintain title ownership and can increase their equity, refinance, or sell their homes at their discretion. The mission of Balance is to provide a more affordable and flexible alternative to conventional mortgage debt, ultimately aiming to prevent foreclosure.

Debbie is developing an innovative debt payoff and savings platform that incentivizes borrowers to improve their financial habits through automatic savings tied to their debt reduction efforts. By utilizing positive reinforcement, Debbie aims to break the cycle of debt by rewarding users for paying down their debts, rather than relying on traditional credit card rewards systems. The platform allows customers to visualize their debt repayment progress and earn points not only for savings and debt reduction but also for managing various financial obligations such as mortgages and medical debts. Founded by individuals with extensive experience in personal lending and venture capital, Debbie seeks to transition users towards wealth-building opportunities, making personal finance more accessible and rewarding.

Apollo is a debit card that rewards users with stock with every swipe of the card. Users can earn guaranteed fractional shares and a chance to win big with a full share of their favorite stocks.

Fizz is developing a debit card application designed specifically for college students in the U.S. The service aims to help these students build their credit profiles while avoiding the pitfalls of excessive credit use. By offering features that promote responsible financial habits, Fizz empowers students to achieve financial independence and improve their credit scores. The application also includes a cash-back reward system that encourages spending within a budget, making it a practical tool for young adults navigating their financial futures. Through this innovative approach, Fizz seeks to provide students with safer avenues to establish and enhance their creditworthiness.

Developer of financial planning and analysis software designed to facilitate budgeting. The company's software projects cashflows, models scenarios, and tracks budgets versus actuals in a visual environment tool, enabling businesses to manage their budget, hiring plan, financial model, and cash runway in an efficient way.

Harness Wealth operates a wealth management platform focused on enhancing clients' financial well-being. The company utilizes a unified data platform powered by proprietary technology to generate personalized balance sheets and financial opportunity profiles. This innovative approach allows clients to effectively monitor their financial activities and identify opportunities for growth. By connecting clients with financial advisors, estate lawyers, and tax professionals, Harness Wealth facilitates tailored advisory services that help individuals achieve their desired financial impact and build their legacy.

Jerry is an AI-driven financial service startup that assists American families in negotiating loans and insurance. The company focuses on identifying potential savings on fixed costs, such as subscriptions for insurance and loans, and handles the negotiation process on behalf of its members to secure better rates and streamline paperwork, allowing for automatic savings. Jerry's platform simplifies the management of various financial aspects, including car insurance and refinancing car loans, while also providing transparency regarding maintenance and repair costs. The service is offered at no cost to its members.

LoanSnap, Inc. is a mortgage company that utilizes an artificial intelligence-based platform to analyze customers' financial situations and provide personalized loan options. Founded in 2017 and headquartered in San Francisco, California, LoanSnap offers a range of products, including home equity lines of credit, refinancing solutions to lower monthly payments, and VA loans for veterans, which require no down payment and no private mortgage insurance. The company aims to help individuals understand their finances better and identify potential savings. LoanSnap serves residents in several states, including California, Florida, Illinois, Colorado, and Tennessee, and operates as a subsidiary of LoanSnap Holdings, Inc.

Clara is a financial technology company focused on simplifying home mortgage financing for individuals and families. By leveraging advanced technology, Clara aims to enhance the efficiency, transparency, and personalization of the mortgage origination process. Its online lending platform facilitates an easy and streamlined experience for consumers, allowing them to secure home financing quickly and clearly. In addition to its mortgage offerings, Clara also provides a suite of financial tools designed for businesses, including corporate expense management solutions, corporate cards, and bill payment services. This comprehensive approach enables both consumers and businesses to manage their financial needs with greater ease and control.

Fazz Financial is a digital financial services group.

LoanSnap, Inc. is a mortgage company that utilizes an artificial intelligence-based platform to analyze customers' financial situations and provide personalized loan options. Founded in 2017 and headquartered in San Francisco, California, LoanSnap offers a range of products, including home equity lines of credit, refinancing solutions to lower monthly payments, and VA loans for veterans, which require no down payment and no private mortgage insurance. The company aims to help individuals understand their finances better and identify potential savings. LoanSnap serves residents in several states, including California, Florida, Illinois, Colorado, and Tennessee, and operates as a subsidiary of LoanSnap Holdings, Inc.

TradeUp provides alternative student financial aid while training for a new career. Instead of loans, it uses income share agreements which means pay nothing for the technical or vocational degrees until land a job. Income Share Agreements, or ISAs, are a new form of student financing. ISAs don’t have an interest like traditional loans. Instead, pay back an agreed-upon percentage of income for a fixed period of time. It was founded in 2019 and is headquartered in San Francisco, California.

LoanSnap, Inc. is a mortgage company that utilizes an artificial intelligence-based platform to analyze customers' financial situations and provide personalized loan options. Founded in 2017 and headquartered in San Francisco, California, LoanSnap offers a range of products, including home equity lines of credit, refinancing solutions to lower monthly payments, and VA loans for veterans, which require no down payment and no private mortgage insurance. The company aims to help individuals understand their finances better and identify potential savings. LoanSnap serves residents in several states, including California, Florida, Illinois, Colorado, and Tennessee, and operates as a subsidiary of LoanSnap Holdings, Inc.

Harness Wealth operates a wealth management platform focused on enhancing clients' financial well-being. The company utilizes a unified data platform powered by proprietary technology to generate personalized balance sheets and financial opportunity profiles. This innovative approach allows clients to effectively monitor their financial activities and identify opportunities for growth. By connecting clients with financial advisors, estate lawyers, and tax professionals, Harness Wealth facilitates tailored advisory services that help individuals achieve their desired financial impact and build their legacy.

Fazz Financial is a digital financial services group.

LoanSnap, Inc. is a mortgage company that utilizes an artificial intelligence-based platform to analyze customers' financial situations and provide personalized loan options. Founded in 2017 and headquartered in San Francisco, California, LoanSnap offers a range of products, including home equity lines of credit, refinancing solutions to lower monthly payments, and VA loans for veterans, which require no down payment and no private mortgage insurance. The company aims to help individuals understand their finances better and identify potential savings. LoanSnap serves residents in several states, including California, Florida, Illinois, Colorado, and Tennessee, and operates as a subsidiary of LoanSnap Holdings, Inc.

PT Payfazz Teknologi Nusantara operates an online payment wallet that provides a range of financial services in Indonesia, targeting individuals who may not have access to traditional banking. Founded in 2016 and based in Jakarta, the company offers solutions for utilities, money transfers, e-commerce, and retail transactions. Its agency-based platform enables users to conduct secure financial activities, including bill payments and money management, through a network of bank agents. PAYFAZZ partners with various financial institutions and service providers to enhance its offerings and ensure security through advanced measures like GeoTrust SSL. The company aims to facilitate digital financial services and improve accessibility for unbanked populations, contributing to the broader financial inclusion and digital transformation in Southeast Asia.

Jerry is an AI-driven financial service startup that assists American families in negotiating loans and insurance. The company focuses on identifying potential savings on fixed costs, such as subscriptions for insurance and loans, and handles the negotiation process on behalf of its members to secure better rates and streamline paperwork, allowing for automatic savings. Jerry's platform simplifies the management of various financial aspects, including car insurance and refinancing car loans, while also providing transparency regarding maintenance and repair costs. The service is offered at no cost to its members.

Sift, operating as ShopInbox, Inc., offers a free application designed to help consumers maximize their credit card benefits and obtain reimbursements. The app identifies hidden advantages within complex credit card policies, enabling users to access features such as price protection and theft coverage. By automatically tracking digital receipts from online purchases and retailers, Sift simplifies the claims process, filing claims on behalf of users with credit card issuers. The application effectively consolidates all purchases, maps benefits to specific transactions, and aims to recover tens of billions of dollars in unclaimed reimbursements annually. Currently available on the App Store and Google Play, Sift has proven to secure an average of 5–10% back on users' purchases during its beta phase. Founded in 2015 and headquartered in Sunnyvale, California, Sift is the first service to comprehensively catalog benefits for 90% of credit cards in the United States.