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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Veem Inc. is a payment service provider that offers a platform designed to simplify the process of sending and receiving payments for businesses. Founded in 2014 and headquartered in San Francisco, California, the company utilizes blockchain technology to facilitate international payments, eliminating the need for intermediary banks and thereby reducing costs for small- and medium-sized enterprises. Veem's platform allows users to send and receive payments in local currency, track transactions in real time, generate invoices, and upload mass documents. Additionally, it integrates with various accounting platforms to streamline financial operations. With offices in Kanata, Canada, and Shanghai, China, Veem aims to create a user-focused financial ecosystem that enhances the efficiency of cross-border transactions.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Mirador Financial, Inc. operates a business lending platform designed to assist lenders in borrower acquisition, digital application processing, decision-making, and communication. Founded in 2013 and based in Portland, Oregon, Mirador offers a cloud-based application process that includes API integration, product routing, and policy integration. The platform features a streamlined user experience, digital memos, loan overviews, and automated decision-making, all while ensuring data encryption and security. Mirador's tools enhance efficiency, reportedly increasing lending process efficiency by 69% and reducing origination costs by an average of $1,550. It supports a range of small business lending products, including term loans, collateralized loans, SBA guaranteed loans, and commercial real estate loans, with amounts ranging from $1,000 to over $20 million. As of December 2018, Mirador operates as a subsidiary of CUNA Mutual Holding Company.
Clearmatics Technologies LTD. is a London-based company that specializes in developing a blockchain-based clearing and settlement platform for over-the-counter (OTC) financial markets. Established in 2015, Clearmatics connects various market participants, including custodians, dealers, trading venues, and buy-side firms, through a decentralized network that facilitates the settlement of securities trades and automates the execution of derivatives and other financial contracts. The company's technology enables the creation of a distributed asset ledger, providing a digital record of ownership, as well as programmable assets that utilize smart contracts on a shared ledger. By leveraging its peer-to-peer network architecture, Clearmatics aims to minimize market inefficiencies, enhance security, and promote interoperability among platforms. The firm is actively engaged with the Ethereum community and collaborates closely with the Ethereum Foundation and the Ethereum Enterprise Alliance, driving innovation in decentralized financial market infrastructure.
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.
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.
Artivest offers a digital platform for private investment managers and investors. Artivest connect a wider audience of suitable investors with investment opportunities in top-quality private equity and hedge funds that are typically available only at institutional minimum investment sizes. Our technological, financial, and operational expertise powers a seamless experience for individual investors and a scalable point of access for financial advisors and fund managers.
Veem Inc. is a payment service provider that offers a platform designed to simplify the process of sending and receiving payments for businesses. Founded in 2014 and headquartered in San Francisco, California, the company utilizes blockchain technology to facilitate international payments, eliminating the need for intermediary banks and thereby reducing costs for small- and medium-sized enterprises. Veem's platform allows users to send and receive payments in local currency, track transactions in real time, generate invoices, and upload mass documents. Additionally, it integrates with various accounting platforms to streamline financial operations. With offices in Kanata, Canada, and Shanghai, China, Veem aims to create a user-focused financial ecosystem that enhances the efficiency of cross-border transactions.
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.
Fundbox, Inc. is a technology company based in San Francisco, California, with an additional office in Plano, Texas, that specializes in providing payment and credit solutions for small and mid-size businesses (SMBs). Founded in 2013, Fundbox operates an AI-driven cash flow management platform designed to streamline business payments and enhance credit network systems. By leveraging machine learning and deep data analytics, Fundbox offers invoice financing and lines of credit, enabling businesses to improve their cash flow by accelerating payments against outstanding invoices. This allows sellers of all sizes to enhance their average order volumes and close rates by providing more competitive payment terms to their SMB buyers, thereby disrupting the B2B commerce market.
Poynt Co. operates a payment terminal and open commerce platform that aims to enhance the commerce infrastructure for merchants globally. Founded in 2013 and based in Palo Alto, California, Poynt offers the Poynt Smart Terminal, which incorporates basic register functionality and runs on PoyntOS, allowing developers to create applications tailored for merchants. The company also provides Poynt 5, a mobile solution suitable for various environments such as festivals and conferences. Poynt's platform facilitates a new app economy, enabling developers to distribute applications widely while maintaining high standards of security and reliability. With a focus on innovation, Poynt is supported by leading venture capital firms and fintech companies, and operates additional offices in India and Singapore, positioning itself for rapid global growth.
Affirm is a financial technology company that offers installment loans to consumers at the point of sale, allowing them to make purchases from online merchants and pay for them in fixed monthly installments. Founded in 2012 and headquartered in San Francisco, with an additional office in Chicago, Affirm aims to provide transparent financial products that empower consumers and enhance their buying experience. Customers can select Affirm as a payment method at checkout, complete a real-time application, and choose a payment plan that aligns with their budget. The service stands out by offering upfront pricing with no hidden fees or compounding interest, unlike traditional credit options. Affirm partners with over 2,000 merchants across various sectors, including retail, travel, and electronics, to provide consumers with a flexible alternative to credit cards. Loans are facilitated through a partnership with Cross River Bank, ensuring a reliable financing option for users.