NAventures

Sardine is a financial technology company that specializes in providing a risk and fraud infrastructure tailored for the online economy. It has developed a device intelligence platform that leverages artificial intelligence and advanced risk engine software. This platform enhances fraud detection while minimizing sign-up friction by analyzing multiple real-time data points, including device information, browser details, and behavioral biometrics. By integrating this technology, Sardine enables businesses to establish a robust risk and fraud management framework, ultimately reducing costs within the fintech ecosystem.

Walnut Insurance is a technology firm specializing in embedded insurance solutions for retailers, financial services providers, and consumer platforms. The company has streamlined the process of integrating insurance into various products, effectively removing previous barriers that hindered such incorporation. Walnut offers a robust infrastructure that allows partners to access a wide range of insurance products, facilitating the creation of seamless purchasing experiences. Their platform is designed for digital-first engagement, making insurance acquisition simple and convenient, which enhances accessibility across life, property and casualty, and other embedded product lines. This enables customers to secure insurance coverage quickly and efficiently, often within minutes.

Maxa AI is a technology company that specializes in business performance solutions, leveraging artificial intelligence to enhance financial operations for mid-sized and large organizations. The company's platform integrates seamlessly with existing enterprise resource planning systems and other data sources, enabling users to automate financial insights and streamline the monitoring, forecasting, and optimization of financial data. By providing a standardized semantic layer within the Snowflake Data Cloud, Maxa AI produces actionable insights as a low-cost commodity, helping businesses gain better and faster understanding of their past, present, and future performance. This innovative approach allows organizations to connect and transform data from multiple sources into a unified enterprise data model, facilitating the extraction of valuable insights from previously siloed information.

Synctera Inc. is a digital banking solutions provider based in San Carlos, California, and was incorporated in 2020. The company specializes in offering technology infrastructure, sponsor bank connections, and a compliance framework to facilitate the launch of FinTech and embedded banking products for businesses of all sizes. Synctera’s platform employs a unified set of APIs, allowing companies to efficiently introduce and expand various financial products such as debit cards, bank accounts, charge cards, lines of credit, and money movement services. By examining the specific needs of traditional banks and connecting them with appropriate FinTech firms, Synctera manages relationships and regulatory compliance, enabling regional and community banks to transition to digital operations effectively.

d1g1t Inc., based in Toronto, Canada, is a company that develops a digital wealth management platform. This platform offers advanced, transparent portfolio management services to professional advisers and their individual investors. It leverages analytics and risk management tools to provide features such as client management, monitoring and managing the adviser's business growth, historical performance and future risk analysis, onboarding solutions, and portfolio tracking. The goal is to deepen the adviser-client relationship through personalized interaction.

Synctera Inc. is a digital banking solutions provider based in San Carlos, California, and was incorporated in 2020. The company specializes in offering technology infrastructure, sponsor bank connections, and a compliance framework to facilitate the launch of FinTech and embedded banking products for businesses of all sizes. Synctera’s platform employs a unified set of APIs, allowing companies to efficiently introduce and expand various financial products such as debit cards, bank accounts, charge cards, lines of credit, and money movement services. By examining the specific needs of traditional banks and connecting them with appropriate FinTech firms, Synctera manages relationships and regulatory compliance, enabling regional and community banks to transition to digital operations effectively.

Walnut Insurance is a technology firm specializing in embedded insurance solutions for retailers, financial services providers, and consumer platforms. The company has streamlined the process of integrating insurance into various products, effectively removing previous barriers that hindered such incorporation. Walnut offers a robust infrastructure that allows partners to access a wide range of insurance products, facilitating the creation of seamless purchasing experiences. Their platform is designed for digital-first engagement, making insurance acquisition simple and convenient, which enhances accessibility across life, property and casualty, and other embedded product lines. This enables customers to secure insurance coverage quickly and efficiently, often within minutes.

Nesto Inc. is a Montreal-based mortgage broker founded in 2017. The company focuses on providing financial and mortgage advice, covering various aspects of property-related lending, including help-to-buy, buy-to-let, and affordable housing schemes. Nesto aims to deliver a transparent and empowering property financing experience by utilizing advanced technology to quickly screen the market for affordable mortgage options. Its commission-free experts offer unbiased support throughout the entire process, helping homebuyers make informed financing and property decisions. Through its innovative approach, Nesto seeks to simplify the mortgage process from start to finish.

Ownly is a real estate buyer verification platform that provides homebuyers with a secure method to confirm their identities and purchasing power quickly. It operates an e-commerce platform designed to connect homebuyers with builders, facilitating a streamlined home-buying process. The company's technology integrates various management tools, including enterprise resource planning and customer relationship management systems, to offer valuable insights into customer shopping behaviors and preferences. This enables agents, brokers, and builders to sell homes directly through their websites, enhancing the overall efficiency and effectiveness of real estate transactions.

Sardine is a financial technology company that specializes in providing a risk and fraud infrastructure tailored for the online economy. It has developed a device intelligence platform that leverages artificial intelligence and advanced risk engine software. This platform enhances fraud detection while minimizing sign-up friction by analyzing multiple real-time data points, including device information, browser details, and behavioral biometrics. By integrating this technology, Sardine enables businesses to establish a robust risk and fraud management framework, ultimately reducing costs within the fintech ecosystem.

FX HedgePool operates a peer-to-peer matching platform for institutional foreign exchange transactions. The platform uses a credit model that separates liquidity from credit to create safe, dependable liquidity for the swaps market, with the goal of minimizing market impact and reducing volatility. This approach enables seamless credit intermediation and broader access to global FX liquidity, improving efficiency and supporting client growth.

ClearEstate is a technology-driven platform that simplifies the estate administration and planning process for executors and beneficiaries. By providing a comprehensive range of estate-related services, it acts as a one-stop shop, reducing the need for costly involvement from licensed professionals. The platform empowers independent executors by automating administrative tasks and offering personalized real estate planning, settlement, and funeral home services. This approach not only streamlines the estate settlement process but also enhances transparency and education for all parties involved, enabling clients to make informed decisions regarding their estate management.

Duality Technologies Inc. is a leading provider of privacy-preserving data collaboration solutions, focused on maximizing the value of data while maintaining privacy and regulatory compliance. Founded in 2016 and based in Maplewood, New Jersey, the company offers a secure collaboration platform that includes SecurePlus Data, which facilitates secure data sharing between data owners and analysts, and SecurePlus Insights, which integrates with analytical and AI tools within a secure hosted environment. Serving industries such as healthcare, finance, automotive, insurance, telecommunications, and education, Duality operationalizes privacy-enhancing technologies to enable analysis and AI on encrypted data, protecting sensitive information and intellectual property. The company has garnered recognition as a Gartner Cool Vendor and was named a Tech Pioneer by the World Economic Forum, underscoring its innovative approach in the field.

FICX is a company that transforms customer experiences for leading brands through its innovative no-code customer experience (CX) app development and automation platform. Founded in 2012, FICX specializes in providing mobile digital engagement tools that enhance traditional customer service systems, allowing enterprises to streamline and digitize customer interactions effectively. Its platform enables businesses to deploy visual content during voice interactions, optimizing communication between service providers and customers. With a focus on industries like finance, insurance, and telecommunications, FICX helps modern enterprises reduce costs, increase sales conversions, and improve customer satisfaction by minimizing friction in sales and service processes. The company operates in the United States, the UK, and Israel, and has received recognition for its contributions to digital customer experience solutions.

ClearEstate is a technology-driven platform that simplifies the estate administration and planning process for executors and beneficiaries. By providing a comprehensive range of estate-related services, it acts as a one-stop shop, reducing the need for costly involvement from licensed professionals. The platform empowers independent executors by automating administrative tasks and offering personalized real estate planning, settlement, and funeral home services. This approach not only streamlines the estate settlement process but also enhances transparency and education for all parties involved, enabling clients to make informed decisions regarding their estate management.

Borrowell is a Toronto-based fintech that provides personal loans, unsecured consumer credit and an online lending marketplace. It offers free credit scores, credit education, and weekly monitoring, along with tools such as personalized credit coaching and AI-powered product recommendations to help customers access low-interest loans, manage debt, and improve financial well-being.

Breathe Life Inc. is a Montreal-based company established in 2017 that specializes in providing a software platform for the life insurance industry. This enterprise Software-as-a-Service (SaaS) solution facilitates the digital distribution of life insurance policies, effectively removing the need for brokers. Breathe Life's platform enables insurers, distribution organizations, and advisors to enhance business operations by streamlining the policy delivery process and lowering operational costs. With features that allow consumers to create quotes and complete applications in a single session, the platform empowers users to independently purchase financial security products. Overall, Breathe Life aims to modernize and optimize how insurance companies engage with clients and manage their offerings.

Nest Wealth, founded in 2014, has established itself as Canada's first SaaS-based digital wealth management platform. It aims to provide all investors with access to sophisticated and personalized wealth management services. The platform serves both wealth management firms and individual advisors, enabling them to manage a wide range of investments across various distribution channels through its configurable white label practice management tool. For individual investors, Nest Wealth offers an automated and low-fee wealth management solution that emphasizes transparency and facilitates the achievement of financial goals. The platform is favored by several major wealth management firms and financial institutions in Canada, including the National Bank of Canada, which utilize it to modernize their wealth management offerings. In addition to direct-to-investor services, Nest Wealth's technology includes features that support efficient onboarding, transparent reporting, and integrated back-office compliance, helping financial institutions lower operational costs while allowing individual investors to minimize transaction expenses.

Flinks, established in 2016 and headquartered in Montreal, Canada, specializes in financial data aggregation. It offers a platform that securely connects businesses with their users' financial data, enabling them to verify account ownership, balance, and transaction history. Flinks' API solutions allow companies to enrich their data and deliver improved financial products and services. The company is trusted by numerous leading businesses and complies with stringent data security and privacy standards.

KOHO Financial Inc. is a financial technology company founded in 2014 and headquartered in Toronto, Canada. The company offers a digital banking platform that provides low-cost banking services through a prepaid, reloadable Visa-backed debit card and a user-friendly mobile application. This platform enables customers to conduct day-to-day banking operations and includes features such as financial goal setting, cash flow projections, group spending management, and detailed spending insights. By equipping users with these tools, KOHO aims to simplify money management and enhance the overall banking experience for its customers.

Moka Financial Technologies Inc. is a financial technology company based in Montreal, Canada, that operates an application designed to assist users in achieving their financial goals. Founded in 2015 and rebranded from Mylo in July 2020, Moka's app automatically rounds up everyday purchases and invests the spare change, allowing users to start investing without requiring significant financial knowledge or lifestyle changes. Since its launch in 2017, the app has gained popularity, with over 750,000 downloads and numerous positive reviews. Moka leverages artificial intelligence to provide personalized financial insights and recommendations, simplifying money management for its users. The company is also focused on developing additional features, such as expense reduction tools, debt repayment acceleration, financial coaching, and cashback rewards, to further empower individuals in their financial journeys.

Sensibill Inc., established in Toronto, Canada in 2012, operates a cloud-based application that helps users manage and track their spending via receipts. The company's AI-powered platform enables end-users to easily monitor their financial habits while providing financial institutions with personalized insights to assist customers in building healthier finances. Sensibill has reached over 60 million users across North America and the U.K., transforming SKU-level data into actionable insights for both consumers and institutions.

MX is a fintech data company established in 2010 that focuses on enhancing the financial experiences of individuals by automating access to their financial data. The company provides software solutions for banks, credit unions, and financial technology innovators, enabling them to aggregate, analyze, and present financial data effectively. By offering services such as data cleansing, auto-categorization, custom APIs, and data analytics, MX helps financial institutions improve customer engagement and drive growth. The company has established partnerships with over 600 financial institutions and more than 30 digital banking providers, positioning itself as a significant player in the fintech industry. MX's emphasis on customer-centric banking relationships allows clients to develop next-generation banking applications and solutions, ultimately leading to enhanced financial management for users.

SortSpoke provides an AI-powered cloud service that automates data extraction from documents. The software learns how organizations classify documents and which data to extract, then performs the extraction automatically, including machine-printed text and tables, converting it into usable data. By automating manual document processing, it reduces labor costs, minimizes manual errors, and shortens cycle times. The platform handles diverse document types to deliver structured data, enabling faster data entry and more consistent results across data-intensive workflows.

NestReady Inc. is a real estate technology company based in Montreal, Canada, founded in 2012. The company has developed a comprehensive online platform that integrates all stages of the home buying experience, bridging the gap between home discovery and financing. Its solution allows mortgage lenders to enhance their understanding of clients, streamline the home buying process, and reduce customer acquisition costs. The platform offers a white-label, plug-and-play service that enables lenders to provide a seamless homebuying experience directly on their websites, fostering stronger relationships with customers and improving conversion rates. By simplifying the connection between real estate and mortgage services, NestReady aims to create a more efficient and user-friendly environment for both homebuyers and lenders.

MindBridge Analytics Inc. is a Canadian FinTech company specializing in financial analytics software. The company leverages machine learning and artificial intelligence to identify anomalous patterns in financial activities, uncovering both unintentional errors and intentional misstatements. Its flagship product, the MindBridge AI Auditor, is designed for audit, assurance, and commercial enterprises, enabling organizations to analyze financial datasets effectively. By providing risk-weighted analysis and deep insights into monetary flows, MindBridge helps companies enhance their controls and improve decision-making processes, ultimately minimizing financial loss across various industries.

Dialogue Health Technologies operates a comprehensive virtual care platform that provides employee wellness and health solutions for Canadian employers. Founded in 2016 and based in Montreal, the company offers a variety of services aimed at enhancing employee engagement and health. Its platform allows employees to interact with healthcare professionals, including nurses and doctors, for support in physical and mental health. Additionally, the platform facilitates care navigation, medication delivery, and referrals to specialists. By empowering employees to take charge of their health, Dialogue Health Technologies helps businesses create a healthier workforce, leading to increased productivity and overall employee satisfaction.

Borrowell is a Toronto-based fintech that provides personal loans, unsecured consumer credit and an online lending marketplace. It offers free credit scores, credit education, and weekly monitoring, along with tools such as personalized credit coaching and AI-powered product recommendations to help customers access low-interest loans, manage debt, and improve financial well-being.

Element AI Inc. is an artificial intelligence company based in Montreal, Canada, with an additional office in Toronto. Founded in 2016, Element AI specializes in providing AI solutions that help organizations identify opportunities for artificial intelligence and machine learning integration. The company operates an AI as a Service (AIaaS) platform, enabling businesses to launch and develop AI solutions in collaboration with large corporations. Its offerings span various industries, including insurance, banking, manufacturing, logistics, retail, and consumer packaged goods. Element AI emphasizes the operationalization of AI by delivering software products that enhance decision-making and improve business agility. The company also conducts research and development to advance AI technology and maintains partnerships with academic institutions to foster innovation. Through its systems integrator approach, Element AI assists organizations in implementing and commercializing AI solutions tailored to their specific needs.

SortSpoke provides an AI-powered cloud service that automates data extraction from documents. The software learns how organizations classify documents and which data to extract, then performs the extraction automatically, including machine-printed text and tables, converting it into usable data. By automating manual document processing, it reduces labor costs, minimizes manual errors, and shortens cycle times. The platform handles diverse document types to deliver structured data, enabling faster data entry and more consistent results across data-intensive workflows.

SecureKey Technologies Inc., established in 2008 with headquarters in Toronto, Canada, specializes in providing secure identity and authentication solutions for online services. The company operates by building cloud-based identity networks, facilitating frictionless digital identities, and offering professional services. SecureKey serves diverse markets such as banking, government, healthcare, and enterprise sectors, ensuring consumers have secure access to critical online platforms while maintaining privacy. It maintains strategic collaborations with notable partners like Digital Bazaar and is backed by prominent investors including Visa, MasterCard, Discover, Rogers Venture Partners, and Intel Capital. With additional offices in Boston and San Francisco, SecureKey's services enable organizations to build or subscribe to identity networks that prioritize both security and privacy for consumers.