FinTech, RegTech, Fraud Operating System
Forage is a third-party payment processor and PIN provider that specializes in authenticating and processing Electronic Benefit Transfer (EBT) transactions. The company facilitates the acceptance of SNAP EBT payments online for grocers, streamlining the process by guiding retailers through the USDA application and technological integration. By doing so, Forage alleviates the burden on merchants while promoting equitable access to government benefits, particularly for underserved populations. The platform collaborates with various grocery chains and e-commerce platforms, such as Shopify and Flashfood, to enhance the accessibility of SNAP EBT payments, thereby enabling greater digital access to essential resources.
Developer of a fairness consideration platform designed for fair lending compliance. The company's platform automates the fair lending analysis, and decision-making systems, also optimizing the decision model to embed fairness by reducing algorithmic bias, enabling clients to increase both fairness and profits.
IMTC is a software-as-a-service (SaaS) enterprise fintech provider that transforms how asset and wealth management firms handle fixed income assets. The company offers a cloud-native investment management platform that supports buy-side investors with comprehensive analytics and portfolio management applications. This service encompasses the entire investment decision-making process, from idea generation to trade allocation, thereby enhancing operational efficiency and optimizing performance for investment management firms. By focusing on alpha generation, IMTC aims to empower its clients to improve their investment outcomes and better serve their customers.
Fidel Limited is a payments API platform based in London that enables developers to create real-time and personalized applications using card-linked technology. Founded in 2012, Fidel offers a streamlined solution for integrating payment services, allowing developers to connect banking cards from major networks like Visa, Mastercard, and American Express with reward and marketing services. By managing the complexities of transaction data in the background, Fidel provides a secure and efficient single access point for developers to build web and mobile applications. Notable global companies such as Google and British Airways utilize Fidel's APIs to enhance their customer experiences. The company also has offices in Toronto, Lisbon, and New York and is supported by investors such as Nyca Partners and QED Investors.
RenoFi Loans use the after renovation value instead of your home's current value, enabling you to borrow the most money at the lowest rates. RenoFi is not a lender, rather we’ve partnered with lenders who offer RenoFi Loans. These lenders leverage RenoFi's technology platform to seamlessly offer RenoFi Loans.
Propel, Inc. is a Brooklyn-based company founded in 2014 that develops mobile software aimed at improving the financial health of low-income Americans. Its primary product, FreshEBT, is a free smartphone application that enables users to manage their EBT benefits, check their balance, and organize grocery shopping while capitalizing on local deals. The app serves hundreds of thousands of users across the country, providing a practical tool for budgeting and food savings. Propel has gained recognition in major media outlets such as the New York Times, Bloomberg, and Forbes for its impact on financial management among underserved communities.
FinTech, RegTech, Fraud Operating System
Addition Wealth is a financial wellness platform that aims to empower employees to make informed financial decisions. By leveraging technology, Addition Wealth offers a range of digital tools, online events, expert content, and direct access to financial professionals. The platform is designed to provide personalized financial guidance that is both inclusive and accessible to all employees. By partnering with innovative employers, Addition Wealth enhances the financial well-being of their workforce, enabling them to navigate their financial journeys more effectively. The services include financial education, customized tools, community events, guides, and dashboards, all aimed at fostering informed financial decision-making.
Tint is a data intelligence and insurance technology company based in San Francisco, California, founded in 2018. It offers a platform that empowers businesses to launch, manage, and optimize property and casualty insurance programs. By utilizing API-based technology, Tint provides essential tools and infrastructure that streamline the design, underwriting, and management processes of insurance products. The platform enhances the performance of artificial intelligence models by automating the integration of external data from various vendors and assessing it through machine learning. This approach significantly reduces the engineering and data science resources typically required for developing real-time risk selection and pricing software, ultimately improving the customer experience and maximizing profitability for insurance programs.
Private Equity Round in 2022
Personetics Technologies Ltd. specializes in providing customer interaction technology tailored for the financial services sector. Founded in 2010 and headquartered in White Plains, New York, the company offers solutions such as Personetics Digital Banker, which utilizes automated intelligence to enhance customer-centric processes across various digital channels, including web and mobile. Its Personetics Anywhere platform enables financial institutions to deliver personalized assistance via messaging services like Facebook Messenger. Additionally, the Self-Driving Finance platform engages retail and business customers by offering varying levels of guidance in managing their finances. The company leverages artificial intelligence to analyze customer data and behavior, providing clients with tools and insights to create tailored marketing strategies and improve customer engagement. Personetics also maintains research and development centers in Nazareth, Israel, and has offices in Singapore and Tel Aviv.
Gr4vy, Inc. is a payment orchestration platform that provides businesses with comprehensive payment solutions. Founded in 2020 and headquartered in San Mateo, California, the company specializes in streamlining the payments infrastructure through a centralized hub for reporting, monitoring, and management. Gr4vy's services aim to enhance the efficiency and effectiveness of payment processing for businesses, allowing them to optimize their financial operations.
Zero Hash, founded in 2017 and based in Chicago, Illinois, provides a post-trade settlement utility designed to unify a fragmented market of various execution platforms. The company supports a diverse array of fiat and digital assets, allowing for the creation of any product pair. Additionally, Zero Hash incorporates on-chain settlement for digital assets, enabling independent verification of ownership through blockchain technology. This combination of features aims to enhance the efficiency and transparency of digital asset transactions in the financial ecosystem.
The Chai Corporation develops CHAI, a mobile payments application that allows consumers to pay for items online and get discounts by adding their bank account. The company was incorporated in 2018 and is based in Seoul, South Korea.
Fintech, Regtech, DLT, Ledger, Blockchain, Encryption, Obfuscation
Thought Machine Group Limited is a fintech company based in London, United Kingdom, that develops Vault, a cloud-native core banking platform designed to modernize the banking industry. Established in 2017, Thought Machine addresses the challenges posed by outdated IT infrastructures commonly found in banks, which hinder innovation and customer service. Vault is built on a microservice API architecture, allowing for flexible configuration to meet the specific requirements of various banking institutions. The platform automates data analytics and regulatory reporting while offering a range of services, including smart contracts, customer data management, and mobile application integration. By enabling banks to update their operating models and enhance their user experience, Thought Machine aims to facilitate a significant transformation in the way banking technology is utilized.
Thoropass develops a compliance and information security platform that assists businesses in managing their compliance needs and obtaining necessary security certifications. The platform provides tools for storing, sharing, and managing the components of a business's compliance program. Thoropass reviews clients' policies and procedures, offering guidance on compliance steps, and organizes their system of record to align with specific compliance requirements. The service also promotes collaboration on vendor security assessments, enabling companies to achieve certifications more efficiently, close larger deals, and establish scalable security practices that can withstand audits. Based in New York, Thoropass aims to help growing businesses build trust in the marketplace through effective compliance management.
LÜK operates an online talent marketplace specifically designed for the fashion and entertainment industries, connecting clients with a diverse array of professionals, including models, photographers, stylists, and hair and makeup artists. By aggregating top talent agencies into a single platform, LÜK simplifies the process of locating and booking creative talent for photo and video shoots, allowing brands to efficiently cast from multiple premium agencies. In addition to facilitating talent bookings, LÜK is evolving into a payments platform for the industry, addressing a significant pain point where talent agencies often wait 60 to 150 days for payment. By factoring the receivables of over 150 talent agencies within its network, LÜK ensures that these agencies receive same-day payouts, thereby enhancing cash flow and operational efficiency.
Qapita Fintech Pte. Ltd. is a Singapore-based company that specializes in equity and transaction management for private companies and startups. Its primary offering is QapMap, a platform designed to facilitate the management of capitalization tables, equity ownership, and employee stock ownership plans (ESOPs). Additionally, Qapita provides QapMatch Solutions, which aid in networking and structuring deals. The company caters to a diverse clientele, including private enterprises, legal counsels, employees, financial advisors, chartered accountants, and investors. Founded in 2019, Qapita also maintains an office in Hyderabad, India.
Zero Hash, founded in 2017 and based in Chicago, Illinois, provides a post-trade settlement utility designed to unify a fragmented market of various execution platforms. The company supports a diverse array of fiat and digital assets, allowing for the creation of any product pair. Additionally, Zero Hash incorporates on-chain settlement for digital assets, enabling independent verification of ownership through blockchain technology. This combination of features aims to enhance the efficiency and transparency of digital asset transactions in the financial ecosystem.
Developer of a blockchain-based operational intelligence platform designed to monitor, analyze, and provide actionable insights for decentralized systems. The company's platform helps to keep blockchain networks up and running and it identifies the anomalies affecting performance that require action, enabling companies to improve reliability and performance, ultimately contributing to growth worldwide.
Peach Finance, Inc. is a loan management platform headquartered in Oakland, California, that provides software as a service (SaaS) solutions for finance, legal, and operations teams. Founded in 2018, the company specializes in modern, end-to-end loan management and servicing software designed for lenders. The platform incorporates machine-learning algorithms that enhance repayment rates and ensure compliance, enabling organizations to launch credit instruments that reward customers. Peach Finance also offers a white-label website and tailored communications that align with a brand's identity. Additionally, the company provides tools for training, supervision, and success analysis, along with technology-driven oversight that promotes best practices in quality assurance and risk management.
Ribbon Home, Inc. operates an online real estate platform that facilitates the buying and selling of properties. Founded in 2017 and based in New York, the company aims to make homeownership more accessible by allowing clients to purchase a new home before selling their existing one. This model provides homeowners with the flexibility and time needed to secure the best possible price for their current property. Ribbon collaborates with realtors in local markets, creating a supportive ecosystem that simplifies the home buying process and eliminates mortgage contingencies, thereby reducing stress for families looking to transition to their next home.
SentiLink is a technology company that helps you detect and block synthetic identities. The company's technology links with fraudulent crime ring to detect and block synthetic identities by searching for statistical anomalies through real-time application programming interface and risk analyst tools, enabling business clients to identify fake people and other connected fraudulent applications to harm bottom line of the organizations.
Catch is a Boston-based company that designs a personal benefits platform aimed at freelancers, contractors, and workers without employer-sponsored benefits. Established in 2016, Catch provides a range of financial solutions, including tax withholding, retirement savings plans, health insurance, and student loan refinancing. The platform allows users to conduct benefit checkups, link bank accounts, and create personalized financial plans, helping individuals build a comprehensive safety net for their financial stability and security. By leveraging data-driven insights, Catch enables users to take control of their financial needs and manage their wealth effectively in an evolving work landscape.
Blooma is a San Diego-based company founded in 2018 that specializes in artificial intelligence solutions for the lending industry. The firm offers a loan origination platform designed to streamline the loan processing workflow through data-driven intelligent asset scoring and insights into the deal pipeline. By utilizing AI automation and configurable workflows, Blooma enables lenders to enhance their decision-making capabilities while effectively managing risk. The platform aims to simplify and expedite the loan approval process, making it a cost-effective solution for financial institutions seeking to improve efficiency and scalability in their operations.
Developer of fintech platform intended to make insurance easy for everyone, from consumers to partners to insurers. The company's platform provides a safe and easy way to share private insurance information and for developers to replace complex user journeys with personalized experiences, enabling clients to get suitable insurance at a proper price.
Informed helps banks accelerate their digital transformation with turn-key robotic process automation capable of performing real-time income verification, identity verification, residence verification, and insurance verification tasks. Banks use Informed to reduce their manual costs associated with reviewing documents, catch fraud, and cut down on errors when originating loans and opening accounts.
Operator of a global fintech company created to transform corporate finance and treasury offices by aggregating global banking APIs. The company offers ERP native applications and API connectivity to empower treasurers to deliver embedded real-time payments and cash management, enabling banking and financial industries to optimize cash, make better, faster decisions, save time, and reduce the resources needed to manage complex financial needs.
Railz Financial Technologies Inc. is a Toronto-based company that specializes in providing a unified API for accessing data from major accounting software providers such as QuickBooks, Xero, and Sage. Founded in 2020, Railz enables lenders, financial institutions, accounting firms, and tech developers to obtain real-time financial data, analytics, insights, and reports on small business customers. This streamlined access facilitates the assessment of credit applications and the evaluation of a business's financial health. Railz's Data as a Service solution allows clients to integrate quickly and efficiently without the need to alter existing operations, technology infrastructure, or workflows. The platform is designed for rapid deployment, ensuring that users can access their customers' accounting information with minimal disruption and cost.
Gr4vy, Inc. is a payment orchestration platform that provides businesses with comprehensive payment solutions. Founded in 2020 and headquartered in San Mateo, California, the company specializes in streamlining the payments infrastructure through a centralized hub for reporting, monitoring, and management. Gr4vy's services aim to enhance the efficiency and effectiveness of payment processing for businesses, allowing them to optimize their financial operations.
Tint is a data intelligence and insurance technology company based in San Francisco, California, founded in 2018. It offers a platform that empowers businesses to launch, manage, and optimize property and casualty insurance programs. By utilizing API-based technology, Tint provides essential tools and infrastructure that streamline the design, underwriting, and management processes of insurance products. The platform enhances the performance of artificial intelligence models by automating the integration of external data from various vendors and assessing it through machine learning. This approach significantly reduces the engineering and data science resources typically required for developing real-time risk selection and pricing software, ultimately improving the customer experience and maximizing profitability for insurance programs.
Ethic operates as a tech-driven asset manager that powers the creation of investment portfolios. It builds separately managed accounts (SMAs) optimized to track the market, align with one’s investment allocation, and outperform on a client’s chosen sustainability criteria. The company was founded in 2015 and is headquartered in New York, United States.
Trace is a cloud platform for intelligent business spend management. We help finance teams get real-time spend visibility, close their books faster and more accurately, and empower their employees while reducing risk. Trace provides flexible purchase workflows built for how businesses spend today. We own the full lifecycle of the transaction from purchase request to payment and reconciliation. Trace was founded with a mission to improve the financial health of all businesses so their people can thrive. We've led Finance teams through hyper-growth, restructurings, and everything in between. We believe Finance teams are most effective when they collaborate with their colleagues and empower them to move fast and make smart decisions. We set out to change how budget-owners and employees experience working with Finance. We want our customers to be the most efficient, insightful, and helpful financial operators. Our team has deep expertise in a massive and fast-growing market. We've built and sold startups in the past, and have a big vision and long horizon for Trace. We want to build with great people above all else. We love beautifully simple products, work hard because we love what we do, and look out for each other like family. Our team is growing! Let’s work together to build the future of Finance.
Private Equity Round in 2021
Personetics Technologies Ltd. specializes in providing customer interaction technology tailored for the financial services sector. Founded in 2010 and headquartered in White Plains, New York, the company offers solutions such as Personetics Digital Banker, which utilizes automated intelligence to enhance customer-centric processes across various digital channels, including web and mobile. Its Personetics Anywhere platform enables financial institutions to deliver personalized assistance via messaging services like Facebook Messenger. Additionally, the Self-Driving Finance platform engages retail and business customers by offering varying levels of guidance in managing their finances. The company leverages artificial intelligence to analyze customer data and behavior, providing clients with tools and insights to create tailored marketing strategies and improve customer engagement. Personetics also maintains research and development centers in Nazareth, Israel, and has offices in Singapore and Tel Aviv.
Built Technologies, Inc. is a provider of cloud-based construction loan administration and draw management software designed to enhance risk management, productivity, and customer experience in the construction lending sector. The platform offers features such as file management, custom draw workflows, and integration capabilities, allowing lenders, borrowers, builders, developers, consultants, and inspectors to collaborate effectively. By digitizing the draw management process, Built reduces construction loan risks, increases loan profitability, and simplifies compliance for a diverse range of clients, including small, regional, and national lenders across the United States. Established in 2014 and headquartered in Nashville, Tennessee, the company was previously known as DataFi, LLC before rebranding in 2015.
Axoni is a New York-based technology firm focused on capital markets, specializing in distributed ledger solutions. Founded in 2013 by experts in distributed ledger technology and cryptography, Axoni serves major financial institutions and capital markets service providers. The company's offerings include the deployment of distributed ledger technology, custom smart contract development, and advanced analytics tools. Their software integrates traditional financial technologies with blockchain capabilities, providing market information and in-depth trend analysis. This comprehensive approach enables investment funders, exchange operators, and professional traders to enhance their systems for managing legal records, lifecycle events, and cash flow calculations.
Developer of a checkout and customer account management platform intended to assist in managing subscription businesses. The company's platform uses artificial intelligence and provides a membership experience along with living analytics and reporting, enabling clients to focus on growing their business and not on spreadsheets.
Protego Trust Bank is a financial services institution based in Seattle, Washington, founded in 2017. The bank specializes in providing regulated cryptocurrency services tailored for institutional investors. Its offerings encompass a comprehensive suite of digital asset services, including custody, trading, lending, and issuance, all facilitated through a vertically integrated platform. By leveraging distributed ledger technology, Protego Trust Bank enables clients to hold, trade, lend, and issue digital assets in a secure and efficient manner, positioning itself as a reliable partner for institutions looking to enhance their digital asset capabilities.
Private Equity Round in 2020
Syncapay, Inc. is a holding company based in Plano, Texas, specializing in the acquisition of high-growth payments companies with innovative technology and solutions. Through its subsidiary, daVinci Payments, Inc., Syncapay offers a range of digital payment solutions, including virtual prepaid cards, classic prepaid services, disbursement options, and real-time funding mechanisms. Established in 2017, Syncapay aims to leverage synergies among its portfolio companies, which include notable firms like Parago/Blackhawk and American Express, to enhance market share and accelerate growth in the payments sector. The company focuses on businesses that provide or facilitate payments to consumers, employees, or other enterprises in emerging markets globally. Its strategy includes acquiring financial technology innovators to create a collaborative ecosystem that enhances service delivery and operational efficiency.
OpenFin Inc. specializes in providing runtime technology solutions tailored for financial desktops, enabling web applications to deliver enhanced functionality such as pop-up windows, real-time notifications, and seamless communication between applications. Catering primarily to the financial services sector, including banks and trading platforms in the United States and Europe, OpenFin's platform offers capabilities akin to mobile operating systems, allowing applications to run outside the browser with features like docking support, custom title bars, and secure communications. Founded in 2010 and headquartered in New York, with an additional office in London, OpenFin has established itself as a vital partner for numerous large financial institutions, facilitating both in-house application deployment and client services. The company has garnered investment from notable firms and industry executives, further solidifying its position in the fintech landscape.
Modern Logic builds a no-code rules engine to help fintech companies fight financial crime. Modern Logic helps companies tackle money laundering, fraud, and customer identity. It is building the logic and workflow tools companies need to fight financial crime, reduce risk, and make smart decisions about their customers. The company was founded in 2020.
Developer of a checkout and customer account management platform intended to assist in managing subscription businesses. The company's platform uses artificial intelligence and provides a membership experience along with living analytics and reporting, enabling clients to focus on growing their business and not on spreadsheets.
Blooma is a San Diego-based company founded in 2018 that specializes in artificial intelligence solutions for the lending industry. The firm offers a loan origination platform designed to streamline the loan processing workflow through data-driven intelligent asset scoring and insights into the deal pipeline. By utilizing AI automation and configurable workflows, Blooma enables lenders to enhance their decision-making capabilities while effectively managing risk. The platform aims to simplify and expedite the loan approval process, making it a cost-effective solution for financial institutions seeking to improve efficiency and scalability in their operations.
Jiko Technologies, Inc., based in Oakland, California, is a fintech company that provides a unique debit card experience through its Jiko Solid product, which features no name or card number to enhance privacy and security. The company offers cash back on every transaction and provides single-use virtual cards, with no minimum balance requirements, making it an accessible option for consumers. Jiko's platform automatically invests users' funds in liquid US government-backed securities, such as treasury bills, while also serving as a financial portal for digital transactions. Founded in 2016, Jiko enables users to effectively manage their money by keeping track of their expenses and investments in a streamlined manner.
Transcend Street Solutions Inc. specializes in developing real-time global inventory and collateral management optimization technology aimed at the capital markets. Founded in 2013 and headquartered in Piscataway, New Jersey, the company offers a comprehensive platform that includes global inventory optimization, digitized eligibility management, transfer pricing models, consolidated intraday margin optimization, and intraday liquidity management, along with regulatory reporting features. Serving a diverse clientele that includes prominent banks and financial institutions, Transcend is focused on addressing the complex regulatory and capital challenges within the industry. The firm employs over 75 professionals worldwide and provides its solutions through a user-friendly, software-as-a-service (SaaS) model or on-premises installations, positioning itself as a leader in collateral and liquidity management.
Thoropass develops a compliance and information security platform that assists businesses in managing their compliance needs and obtaining necessary security certifications. The platform provides tools for storing, sharing, and managing the components of a business's compliance program. Thoropass reviews clients' policies and procedures, offering guidance on compliance steps, and organizes their system of record to align with specific compliance requirements. The service also promotes collaboration on vendor security assessments, enabling companies to achieve certifications more efficiently, close larger deals, and establish scalable security practices that can withstand audits. Based in New York, Thoropass aims to help growing businesses build trust in the marketplace through effective compliance management.
Thought Machine Group Limited is a fintech company based in London, United Kingdom, that develops Vault, a cloud-native core banking platform designed to modernize the banking industry. Established in 2017, Thought Machine addresses the challenges posed by outdated IT infrastructures commonly found in banks, which hinder innovation and customer service. Vault is built on a microservice API architecture, allowing for flexible configuration to meet the specific requirements of various banking institutions. The platform automates data analytics and regulatory reporting while offering a range of services, including smart contracts, customer data management, and mobile application integration. By enabling banks to update their operating models and enhance their user experience, Thought Machine aims to facilitate a significant transformation in the way banking technology is utilized.
Covr Financial Technologies, Inc. is a digitally enabled brokerage general agency that specializes in providing life, long-term care, and disability insurance solutions for financial institutions and their clients. Founded in 2016 and based in Boise, Idaho, Covr offers a range of digital platforms, including Covr Advisor for financial advisors, Covr Consumer for banks and credit unions to sell insurance online, and Covr Insights for managing in-force life insurance policies. The company serves over 24,000 financial advisors and approximately 13 million customers across 30 financial institutions, such as wealth management firms and credit unions. Covr's technology empowers financial professionals to address their clients' insurance needs effectively while facilitating direct access to products for consumers. The company has garnered the support of prominent venture capital firms and boasts an advisory board composed of notable leaders from the financial services sector.
Savi is a financial wellness platform focused on student loan management. It assists employees in understanding, optimizing, and repaying their student debt through technology. The platform provides a comprehensive comparison of repayment options, allowing users to explore various strategies for managing their loans. Additionally, Savi helps individuals discover potential loan forgiveness opportunities, facilitating a more informed approach to debt repayment. By streamlining the process and offering tailored solutions, Savi aims to empower users to save money and expedite their loan repayment journey.
Ladder Financial Inc. is an online platform that specializes in term life insurance services, operating from Palo Alto, California since its incorporation in 2015. The company offers instant, fully underwritten life insurance policies directly to consumers, simplifying the application process by removing the need for commissioned sales agents. Ladder aims to address the significant life insurance gap in the United States by providing competitive pricing, transparency, and flexible coverage options that can be adjusted or canceled at any time. By leveraging advanced technology and a direct-to-consumer model, Ladder seeks to enhance accessibility and fairness in life insurance, ultimately supporting underinsured families and communities.
Nova Credit Inc. is a credit reporting agency based in San Francisco, California, that specializes in providing credit access solutions for immigrants. Founded in 2016, the company translates international credit scores into U.S.-equivalent scores, allowing newcomers to apply for credit cards, loans, and housing without having to establish a U.S. credit history from the ground up. By offering a digital credit passport, Nova Credit enables financial institutions, property managers, and other businesses in the U.S. to assess the creditworthiness of immigrant consumers based on their foreign credit histories. The company's diverse team is dedicated to creating a seamless integration of global credit information, facilitating financial services for individuals moving to the United States.
Peach Finance, Inc. is a loan management platform headquartered in Oakland, California, that provides software as a service (SaaS) solutions for finance, legal, and operations teams. Founded in 2018, the company specializes in modern, end-to-end loan management and servicing software designed for lenders. The platform incorporates machine-learning algorithms that enhance repayment rates and ensure compliance, enabling organizations to launch credit instruments that reward customers. Peach Finance also offers a white-label website and tailored communications that align with a brand's identity. Additionally, the company provides tools for training, supervision, and success analysis, along with technology-driven oversight that promotes best practices in quality assurance and risk management.
Ribbon Home, Inc. operates an online real estate platform that facilitates the buying and selling of properties. Founded in 2017 and based in New York, the company aims to make homeownership more accessible by allowing clients to purchase a new home before selling their existing one. This model provides homeowners with the flexibility and time needed to secure the best possible price for their current property. Ribbon collaborates with realtors in local markets, creating a supportive ecosystem that simplifies the home buying process and eliminates mortgage contingencies, thereby reducing stress for families looking to transition to their next home.
Thoropass develops a compliance and information security platform that assists businesses in managing their compliance needs and obtaining necessary security certifications. The platform provides tools for storing, sharing, and managing the components of a business's compliance program. Thoropass reviews clients' policies and procedures, offering guidance on compliance steps, and organizes their system of record to align with specific compliance requirements. The service also promotes collaboration on vendor security assessments, enabling companies to achieve certifications more efficiently, close larger deals, and establish scalable security practices that can withstand audits. Based in New York, Thoropass aims to help growing businesses build trust in the marketplace through effective compliance management.
Fidel Limited is a payments API platform based in London that enables developers to create real-time and personalized applications using card-linked technology. Founded in 2012, Fidel offers a streamlined solution for integrating payment services, allowing developers to connect banking cards from major networks like Visa, Mastercard, and American Express with reward and marketing services. By managing the complexities of transaction data in the background, Fidel provides a secure and efficient single access point for developers to build web and mobile applications. Notable global companies such as Google and British Airways utilize Fidel's APIs to enhance their customer experiences. The company also has offices in Toronto, Lisbon, and New York and is supported by investors such as Nyca Partners and QED Investors.
Zendrive Inc. is a San Francisco-based company that develops a mobile application designed to track various driving metrics, including speed, location, direction, and acceleration, using smartphone sensors. Founded in 2013 and initially known as Inner Circle Technologies, Zendrive focuses on enhancing road safety through data analytics. The company's platform employs artificial intelligence algorithms to analyze sensor data, delivering actionable insights related to driving behaviors such as speeding, hard braking, phone usage, and collision events. By leveraging this data, Zendrive aims to improve safety for passengers and drivers globally, offering behavioral coaching and incentives to encourage safer driving practices. As the transportation landscape shifts towards shared and on-demand services, Zendrive plays a crucial role in addressing the evolving safety needs within this context.
Acorns is a finance company that allows individuals to round up purchases and automatically invest the change. It allows customers to automatically invest in a low-cost, diversified portfolio of exchange-traded funds offered by some asset managers including Vanguard and BlackRock.
Acorns was founded in 2012 and is headquartered in Irvine, California.
Ethic operates as a tech-driven asset manager that powers the creation of investment portfolios. It builds separately managed accounts (SMAs) optimized to track the market, align with one’s investment allocation, and outperform on a client’s chosen sustainability criteria. The company was founded in 2015 and is headquartered in New York, United States.
Sheltr offers a home maintenance software platform aimed at alleviating the challenges homeowners face in managing ongoing maintenance tasks. By providing routine preventive maintenance services, such as replacing furnace filters and carbon detector batteries, as well as conducting home assessments, Sheltr enables homeowners to avoid costly repairs and streamline their maintenance efforts. The platform also delivers proactive recommendations for home services, simplifying the booking and scheduling process for consumers. Additionally, Sheltr supports its partners, including home insurers, by enhancing customer engagement, creating new revenue opportunities, and reducing risk associated with neglected home maintenance. Through its comprehensive approach, Sheltr seeks to transform home management into a more stress-free and efficient experience for both homeowners and service providers.
Operator of a fintech company intended to offer a home equity line of credit. The company allows homeowners to leverage their home equity to obtain a credit card with lower interest rates compared to traditional ones and offers flexible repayment options, enabling users with financial flexibility and savings.
Brigit is a financial health app established in 2017 and based in New York, New York. The company aims to assist everyday Americans in managing their financial well-being by offering tools and insights for budgeting and spending habits. Its platform enables users to monitor bills, track expenses, and access credit without incurring heavy interest costs. By promoting sustainable financial practices, Brigit seeks to alleviate immediate financial stress while also encouraging users to save for the future and improve their overall financial health.
LeapYear Technologies, Inc. operates a platform designed to help organizations extract value from sensitive data while ensuring its security and privacy. The platform allows domain experts, data scientists, and partner organizations to develop automated machine learning applications and APIs that facilitate the use of confidential and regulated data sources. By implementing differential privacy, LeapYear ensures that data can be utilized for analysis and machine learning without exposing or compromising individual data points. The company collaborates with major players in sectors such as financial services, healthcare, technology, and insurance to combine and analyze previously restricted data, enabling organizations to monetize these valuable assets effectively. Founded in 2014 and based in Berkeley, California, LeapYear Technologies was known as Shroudbase, Inc. prior to its name change in January 2015.
OvationCXM is a technology support company based in Tiburon, California, with an additional office in Scottsdale, Arizona. Founded in 2014, it specializes in providing comprehensive technical support services for businesses across the United States. The company offers 24/7 remote and onsite assistance in various areas, including business technology, network connectivity, and back office support. Its services encompass point-of-sale installations, network configuration, Ethernet cabling, managed routers, software training, and equipment repair. OvationCXM also features a support platform designed to streamline the activation, servicing, and management of technology products, utilizing data and artificial intelligence to predict potential issues and enhance the support experience. This focus on proactive problem-solving and efficient service aims to ensure that businesses receive timely assistance when needed.
Developer of fintech platform intended to make insurance easy for everyone, from consumers to partners to insurers. The company's platform provides a safe and easy way to share private insurance information and for developers to replace complex user journeys with personalized experiences, enabling clients to get suitable insurance at a proper price.
Built Technologies, Inc. is a provider of cloud-based construction loan administration and draw management software designed to enhance risk management, productivity, and customer experience in the construction lending sector. The platform offers features such as file management, custom draw workflows, and integration capabilities, allowing lenders, borrowers, builders, developers, consultants, and inspectors to collaborate effectively. By digitizing the draw management process, Built reduces construction loan risks, increases loan profitability, and simplifies compliance for a diverse range of clients, including small, regional, and national lenders across the United States. Established in 2014 and headquartered in Nashville, Tennessee, the company was previously known as DataFi, LLC before rebranding in 2015.
Intrinio is a financial data company that offers platform consists of an application programming interface. Intrinio's mission is to help investors save money and make time so they can live more meaningful lives. We believe investors waste time on data collection, data entry, and data analysis because traditional financial data providers stifle innovation through high prices and restrictive technology. The Intrinio Fintech marketplace solves this problem by making financial data affordable and easy to access for developers, unleashing their creative potential to build the next generation of financial analytics products. Dozens of data feeds are currently available at disruptively low prices, providing data types such as FDIC bank data, real time IEX stock prices, fundamental US 10Q and 10K data, and insider transactions. Dozens of applications built with that data are also available, applications that free up investors to focus on what really matters- testing assumptions, conducting research, and generating insight. By uniting data providers, developers, and investors around a new model for financial innovation, the Intrinio Fintech marketplace promises to refocus the financial data industry on the developers and investors that make meaning out of data.
PollyEx, Inc. operates a loan trading platform specifically designed for mortgage capital markets. The platform connects buyers and sellers of mortgage loans, facilitating efficient loan sale transactions for mortgage lenders. By leveraging cloud-based technology and API integration, PollyEx enhances liquidity and automates various functions within the capital markets. Founded in 2019 and headquartered in San Francisco, California, the company aims to improve loan sale execution and streamline the trading process in the mortgage industry.
SentiLink is a technology company that helps you detect and block synthetic identities. The company's technology links with fraudulent crime ring to detect and block synthetic identities by searching for statistical anomalies through real-time application programming interface and risk analyst tools, enabling business clients to identify fake people and other connected fraudulent applications to harm bottom line of the organizations.
SentiLink is a technology company that helps you detect and block synthetic identities. The company's technology links with fraudulent crime ring to detect and block synthetic identities by searching for statistical anomalies through real-time application programming interface and risk analyst tools, enabling business clients to identify fake people and other connected fraudulent applications to harm bottom line of the organizations.
Catch is a Boston-based company that designs a personal benefits platform aimed at freelancers, contractors, and workers without employer-sponsored benefits. Established in 2016, Catch provides a range of financial solutions, including tax withholding, retirement savings plans, health insurance, and student loan refinancing. The platform allows users to conduct benefit checkups, link bank accounts, and create personalized financial plans, helping individuals build a comprehensive safety net for their financial stability and security. By leveraging data-driven insights, Catch enables users to take control of their financial needs and manage their wealth effectively in an evolving work landscape.
NALA Incorporation Company Limited develops a mobile payments application that facilitates various financial transactions without the need for an internet connection. Founded in 2017 and based in Dar es Salaam, Tanzania, NALA's platform enables users to make bill payments, peer-to-peer transfers, and purchase cell phone minutes. The application enhances the mobile money experience by allowing users to execute transactions quickly and securely, while also providing features such as budgeting tools, transaction tracking, and multi-factor authentication. Additionally, NALA supports international payments for Africans globally, streamlining the process of sending and receiving money across different countries.
Propel, Inc. is a Brooklyn-based company founded in 2014 that develops mobile software aimed at improving the financial health of low-income Americans. Its primary product, FreshEBT, is a free smartphone application that enables users to manage their EBT benefits, check their balance, and organize grocery shopping while capitalizing on local deals. The app serves hundreds of thousands of users across the country, providing a practical tool for budgeting and food savings. Propel has gained recognition in major media outlets such as the New York Times, Bloomberg, and Forbes for its impact on financial management among underserved communities.
Embroker, Inc. is a digital insurance brokerage that specializes in providing insurance services for small and mid-sized businesses. Founded in 2015 and headquartered in San Francisco, with additional offices in Chicago and Boston, the company utilizes an online platform that enables clients to buy, manage, and analyze their commercial insurance policies efficiently. This platform allows users to share, request, and track proof of coverage through digital certificates of insurance and provides tools for real-time claims tracking. Embroker offers a variety of insurance products, including Commercial General Liability, property insurance, professional liability, and employee benefits, among others. The company also facilitates peer comparison, helping clients benchmark their policies against industry standards. By combining technology with brokerage expertise, Embroker aims to simplify the insurance process and enhance value for its clients in the competitive property and casualty insurance market.
Level, operating under the name Zero Financial, Inc., is a financial technology company based in San Francisco, California, that offers a modern mobile banking experience. The company's primary products include a mobile banking application, a debit card known as Zerocard, and a checking account called Zero Checking. The app provides users with real-time insights into their finances, displaying debit card purchases alongside other transactions to help manage their budgets effectively. Unlike traditional banking options, Zerocard combines the convenience of a debit card with the benefits of a credit card, offering users unlimited cash back rewards ranging from 1.0% to 3.0% on expenditures, as well as competitive annual interest rates on account balances. Level aims to eliminate common banking fees, striving to simplify personal finance management for its users.
Fluidly Limited, founded in 2016 and based in London, United Kingdom, specializes in cash flow management and forecasting software. The company aims to transform how businesses manage their cash flow by employing data science, artificial intelligence, and machine learning. Fluidly's innovative platform automates cash flow forecasting, allowing businesses to gain a detailed and accurate view of their financial future in a matter of minutes. This solution addresses the inefficiencies of traditional cash flow forecasting, which often relies on cumbersome spreadsheet models that are time-consuming and provide limited insights. By leveraging transaction data from accounting systems, Fluidly enables small and medium enterprises to make informed financial decisions, enhancing their ability to control cash flow, manage resources, and optimize growth opportunities.
PayRange Inc. is a company that specializes in mobile payment solutions for automated retail, particularly in vending machines, laundries, and amusement devices. Founded in 2013 and headquartered in Portland, Oregon, PayRange offers a device called BluKey, which can be easily installed in machines to enable mobile payment via Bluetooth. The installation process requires no tools and can be completed in under a minute, making it accessible for operators. The system consists of low-cost hardware, a free mobile application, and back-end services that facilitate seamless payment processing. Designed to simplify transactions for consumers, the PayRange platform allows users to make payments using their smartphones while ensuring that credit card processing is managed by a PCI compliant provider.
Ribbon Home, Inc. operates an online real estate platform that facilitates the buying and selling of properties. Founded in 2017 and based in New York, the company aims to make homeownership more accessible by allowing clients to purchase a new home before selling their existing one. This model provides homeowners with the flexibility and time needed to secure the best possible price for their current property. Ribbon collaborates with realtors in local markets, creating a supportive ecosystem that simplifies the home buying process and eliminates mortgage contingencies, thereby reducing stress for families looking to transition to their next home.
Ethic operates as a tech-driven asset manager that powers the creation of investment portfolios. It builds separately managed accounts (SMAs) optimized to track the market, align with one’s investment allocation, and outperform on a client’s chosen sustainability criteria. The company was founded in 2015 and is headquartered in New York, United States.
Covr Financial Technologies, Inc. is a digitally enabled brokerage general agency that specializes in providing life, long-term care, and disability insurance solutions for financial institutions and their clients. Founded in 2016 and based in Boise, Idaho, Covr offers a range of digital platforms, including Covr Advisor for financial advisors, Covr Consumer for banks and credit unions to sell insurance online, and Covr Insights for managing in-force life insurance policies. The company serves over 24,000 financial advisors and approximately 13 million customers across 30 financial institutions, such as wealth management firms and credit unions. Covr's technology empowers financial professionals to address their clients' insurance needs effectively while facilitating direct access to products for consumers. The company has garnered the support of prominent venture capital firms and boasts an advisory board composed of notable leaders from the financial services sector.
Scratch Services, LLC develops a proprietary loan accounting system, payments infrastructure, and borrower-facing web application which operates as a loan servicer that delivers a borrower-first experience and improves consumers' ability to understand, manage, and repay their loans and facilitates transformation of the service ecosystem for both borrowers and lenders. The company was incorporated in 2015 and is based in San Francisco, California.
Very Good Security, Inc. is a data security platform focused on enabling users to collect, protect, and exchange sensitive information while minimizing compliance risks. Founded in 2015 and headquartered in San Francisco, the company offers a range of solutions including VGS Vault for data vaulting, VGS Proxy for intelligent tokenization, and VGS Compliance to streamline audit processes and training. Its services cater to various sectors, such as finance and healthcare, allowing organizations to secure payment transactions, protect health records, and manage sensitive communications without altering existing systems. VGS's platform facilitates the secure handling of regulated data, mitigating the liability associated with data security and compliance breaches.
Axoni is a New York-based technology firm focused on capital markets, specializing in distributed ledger solutions. Founded in 2013 by experts in distributed ledger technology and cryptography, Axoni serves major financial institutions and capital markets service providers. The company's offerings include the deployment of distributed ledger technology, custom smart contract development, and advanced analytics tools. Their software integrates traditional financial technologies with blockchain capabilities, providing market information and in-depth trend analysis. This comprehensive approach enables investment funders, exchange operators, and professional traders to enhance their systems for managing legal records, lifecycle events, and cash flow calculations.
Migo operates a digital Credit-as-a-Service platform designed for banks, mobile operators, retailers, and payment processors, primarily in emerging markets. Founded in 2014 and based in San Francisco, the company provides a suite of tools, including APIs, frameworks, and consumer insights, enabling partners to develop innovative credit services. Migo's platform enhances traditional banking and payment card systems, allowing enterprises to extend credit to their customers effectively. Additionally, Migo offers an in-memory analytics service that processes large volumes of mobile data, helping mobile operators monetize their data and assisting financial institutions in reaching more clients. Its services include credit scoring based on mobile behavior, fraud detection, customer identity verification, and risk analysis, all aimed at improving financial access and security for consumers.
Skyline AI Ltd develops an artificial intelligence based forecasting platform for the commercial real estate market. Its platform mines, synthesizes, and utilizes live data and helps in predicting future rent and disposition prices, identifying market trends, identifying properties with ideal risk-reward ratios, locating and exploiting market anomalies, and capturing arbitrage between asking price and market price. The company was incorporated in 2014 and is based in Tel Aviv-Yafo, Israel.
SigFig Wealth Management, LLC is an investment advisory firm based in San Francisco, California, founded in 2007. The company focuses on making high-quality investment advice accessible and affordable for investors across various wealth levels. Utilizing a blend of design, data science, and technology, SigFig empowers investors with the necessary information and guidance to achieve their financial goals. It partners with prominent financial institutions to enhance investment management for both investors and advisors. SigFig's enterprise technology enables partners to quickly bring solutions to market in a secure and compliant manner. The company is supported by a range of financial institutions and venture capital firms, reinforcing its commitment to innovation and client satisfaction.
Canopy Tax Inc. is a software company that specializes in providing tax resolution and practice management solutions for accountants and tax professionals. Founded in 2014 and based in Lehi, Utah, the company offers a cloud-based platform that enhances workflow management by integrating tools for client management, document management, invoicing, payment, and project management. Designed to streamline processes and reduce administrative tasks, Canopy's software enables accounting professionals to improve efficiency and enhance the client experience by consolidating essential functions into a single, user-friendly interface. The platform serves thousands of accounting practitioners across the country, helping them to organize their teams and optimize their operations.
CommonBond, Inc. provides online lending services to students to pay for higher education in the United States. It refinances and finances undergraduate and graduate student loans, parent PLUS loans, and MBA student loans. The company enables students to gain access to fixed and variable rate student loan products for refinancing existing student loans after graduation or to finance an MBA while in school; and offers SmartSave, a product that enables customers to move the monthly savings from their student loan refinancing into a compound wealth generating cash account. In addition, it enables businesses to manage their student loan debt of its employees. CommonBond, Inc. was founded in 2011 and is based in New York, New York.
EverC provides cyber intelligence that enables acquiring banks and payment service providers to manage merchant-based fraud and cyber risk. The startup company uses artificial intelligence to look into its client’s portfolios and identify links with potential criminals using its cyber intelligence capabilities. It is engaged in providing a range of solutions that give acquirers and payment service providers with the necessary relevant information to check ongoing and newly boarded merchants while guiding them through the process of managing online risk, detecting transaction launderers, hidden transaction tunnels, and fraud detection. EverC's products include MerchantView for detecting online money laundering and MarketView for keeping marketplaces clean from illegal products. Founded in 2008 by Ron Teicher, Noam Rabinovich, and Raz Abramov, the firm is headquartered in New York, New York.
Amino is a payments company based in Philadelphia, Pennsylvania, that specializes in providing solutions for the online advertising industry. Founded in 2017, Amino leverages blockchain technology to enhance transparency and combat fraud within digital advertising. Its key products include Amino Lens, which validates entities in the media supply chain and tracks ads, impressions, and expenditures, and Amino Pay, which offers marketers control over the supply chain using smart contract technology to enforce vendor agreements. The company serves a diverse clientele, including brands, agencies, publishers, and adtech firms, aiming to make the advertising ecosystem more transparent and cost-effective. Formerly known as Curren-C, Inc., Amino's name change in July 2017 reflects its commitment to transforming online advertising through innovative payment solutions.
Brigit is a financial health app established in 2017 and based in New York, New York. The company aims to assist everyday Americans in managing their financial well-being by offering tools and insights for budgeting and spending habits. Its platform enables users to monitor bills, track expenses, and access credit without incurring heavy interest costs. By promoting sustainable financial practices, Brigit seeks to alleviate immediate financial stress while also encouraging users to save for the future and improve their overall financial health.
Roofstock, Inc. is an online marketplace that facilitates investment in leased single-family rental homes. Founded in 2015 and headquartered in Oakland, California, the company provides investors with access to independently certified properties, complete with research, analytics, and market insights. This platform allows users to evaluate properties based on their investment potential and cash flow without the complexities of managing vacant homes that require repairs and leasing. Roofstock aims to simplify the real estate investment process by enabling clients to treat their property investments similarly to stock portfolios, emphasizing asset allocation. The marketplace also assists sellers in marketing tenant-occupied properties, minimizing income loss and tenant disruption.
Ladder Financial Inc. is an online platform that specializes in term life insurance services, operating from Palo Alto, California since its incorporation in 2015. The company offers instant, fully underwritten life insurance policies directly to consumers, simplifying the application process by removing the need for commissioned sales agents. Ladder aims to address the significant life insurance gap in the United States by providing competitive pricing, transparency, and flexible coverage options that can be adjusted or canceled at any time. By leveraging advanced technology and a direct-to-consumer model, Ladder seeks to enhance accessibility and fairness in life insurance, ultimately supporting underinsured families and communities.
PayRange Inc. is a company that specializes in mobile payment solutions for automated retail, particularly in vending machines, laundries, and amusement devices. Founded in 2013 and headquartered in Portland, Oregon, PayRange offers a device called BluKey, which can be easily installed in machines to enable mobile payment via Bluetooth. The installation process requires no tools and can be completed in under a minute, making it accessible for operators. The system consists of low-cost hardware, a free mobile application, and back-end services that facilitate seamless payment processing. Designed to simplify transactions for consumers, the PayRange platform allows users to make payments using their smartphones while ensuring that credit card processing is managed by a PCI compliant provider.
TrueAccord Corp. is a San Francisco-based company founded in 2013 that specializes in providing an automated platform for debt recovery. The company leverages machine learning and behavioral analytics to personalize communication with customers across various digital channels. This approach not only enhances recovery rates for businesses but also aims to maintain positive relationships with their customers. By optimizing outreach strategies, TrueAccord delivers a customer experience designed to foster long-term brand loyalty, thereby redefining the traditional dynamics between creditors and debtors.