Picus Capital

HAWK:AI GmbH is a fintech company based in Munich, Germany, founded in 2018. The company specializes in providing a money laundering detection and investigation platform that leverages machine-learning techniques to assist financial institutions in combating financial crime. HAWK:AI supports the end-to-end financial crime compliance process, encompassing transaction monitoring, investigation, filing, and maintaining audit trails. By focusing on effective information sharing, the platform enhances the capabilities of anti-money laundering and fraud surveillance teams within banks, payment companies, and fintech organizations, ultimately improving their efficiency and effectiveness in addressing financial corruption.

Morada Uno is a technology company focused on enhancing the real estate industry by providing tools and financial products designed for real estate brokers and professionals. The company specializes in offering services that facilitate the screening, collection, and insurance of residential leases. By equipping real estate professionals with efficient solutions, Morada Uno enables seamless interactions between property owners and tenants, streamlining transaction processes and helping clients manage their assets effectively.

Greptime is a company that specializes in providing industrial services centered on time-series data. It has developed GreptimeDB, an open-source, cloud-native distributed time-series database designed to efficiently store, extract, and analyze vast amounts of data generated by industries such as IoT, autonomous driving, smart manufacturing, and financial markets. By decoupling storage and compute functions, GreptimeDB aims to reduce the total cost of ownership while enhancing agility and scalability for users. The company is also focused on launching Greptime Cloud, a managed database service that will leverage GreptimeDB to offer clients a more nuanced and real-time database solution, complete with a refined pricing structure and high-quality service.

Aplazo is a fintech company that focuses on enhancing financial access and opportunities in Mexico. Its platform allows users to make online purchases at affiliated stores and pay for them in installments. Customers can apply through the website and choose a delayed payment option, which enables them to manage their finances more effectively. This installment payment plan not only benefits users by providing flexibility in payment but also helps businesses expand their customer base by tapping into new marketing channels. Aplazo aims to empower individuals with financial solutions that promote responsible spending and improve overall access to goods and services.

Baselayer automates business risk assessment and eliminates B2B fraud for over 1,900 Financial and Government Institutions. It offers services such as business verification (KYB), fraud detection, business onboarding optimization, risk profiling, portfolio monitoring & alerting, and workflow automation. Baselayer empowers 1,900+ financial institutions, government agencies, lenders, and fintech to unlock instant trust with any business in America.

D2X Group operates a pan-European digital derivatives exchange designed to facilitate institutional adoption of cryptocurrencies. Based in the Netherlands under an MTF license (MiFID II), D2X offers cash-settled Bitcoin and Ethereum futures and options, available 7 days a week. The company's platform features a unique post-trade model that provides a robust and capital-efficient alternative to central clearing. With backing from strategic investors such as Point72, Flow Traders, and GSR, D2X aims to bridge the gap between digital assets and financial institutions by enabling clean exposure to the asset class while mitigating operational and regulatory risks.

Silverflow is a payment processing technology company that offers a cloud-based platform enabling direct access to card networks for payment service providers (PSPs). Founded in 2019 and headquartered in Amsterdam, the company enhances the capabilities of PSPs by allowing them to add new functionalities instantly and gain real-time insights into transaction fees. Silverflow's platform simplifies card-acquiring processing as a service, providing smart data and a streamlined data flow through application programming interfaces. This innovation promotes agility, transparency, and security in global payment operations, ultimately improving service for merchants.

Aleph operates a financial planning and analysis platform designed to enhance the capabilities of traditional spreadsheets such as Excel and Google Sheets. By integrating data from accounting systems and various operational sources, Aleph provides specialized financial tools that are always current. This allows clients to create sophisticated financial models and use cases, ultimately facilitating informed investment decisions. Aleph aims to support finance departments by merging the familiarity of spreadsheets with advanced financial insights, making it a valuable resource for financial professionals.

GetPaid is a technology and payment firm headquartered in Germany and Spain, specializing in solutions for platforms and marketplaces. The company aims to create a platform-centric payment solution that enhances revenue opportunities and provides valuable data insights. By focusing on the needs of platforms and merchants, GetPaid enables these entities to maximize their value from payment processes, improving customer experiences and streamlining payment operations. The firm's innovative approach is designed to significantly increase the revenue potential for its clients, allowing them to leverage payments more effectively within their business models.

Vega is to change wealth management through the application of cutting-edge technology. We aim to bring together the private and institutional sectors with a platform that streamlines wealth creation for high-net-worth individuals and their advisors by using our team's financial and technical knowledge.

Baselayer automates business risk assessment and eliminates B2B fraud for over 1,900 Financial and Government Institutions. It offers services such as business verification (KYB), fraud detection, business onboarding optimization, risk profiling, portfolio monitoring & alerting, and workflow automation. Baselayer empowers 1,900+ financial institutions, government agencies, lenders, and fintech to unlock instant trust with any business in America.

Inkle is a developer of a virtual Certified Public Accountant (CPA) platform specifically designed for U.S. cross-border startups. The company provides a comprehensive suite of services, including bookkeeping, tax and compliance, accounting, transfer pricing, governance, legal support, employee stock ownership plans, payroll, and other financial services. Inkle's platform aims to simplify accounting and compliance processes for global companies, offering scalable and on-demand solutions that address the challenges associated with cross-border transactions. Through its focus on affordability and rapid response times, Inkle seeks to alleviate the pain points faced by startups in managing their financial operations efficiently.

HAWK:AI GmbH is a fintech company based in Munich, Germany, founded in 2018. The company specializes in providing a money laundering detection and investigation platform that leverages machine-learning techniques to assist financial institutions in combating financial crime. HAWK:AI supports the end-to-end financial crime compliance process, encompassing transaction monitoring, investigation, filing, and maintaining audit trails. By focusing on effective information sharing, the platform enhances the capabilities of anti-money laundering and fraud surveillance teams within banks, payment companies, and fintech organizations, ultimately improving their efficiency and effectiveness in addressing financial corruption.

Arch is a financial technology company that specializes in providing loans to alternative asset owners, particularly in the realm of cryptocurrencies and non-fungible tokens (NFTs). The company has developed a platform that enables users to manage all their crypto assets in one location. Arch's flagship offering includes over-collateralized crypto-backed loans, which are stored in qualified custody and ensure that the collateral is not rehypothecated. This structure allows consumers to efficiently borrow against their crypto and NFT holdings while benefiting from real-time asset tracking.

PayZen is a healthcare fintech startup focused on addressing the increasing burden of patient payment responsibilities. Founded in San Francisco in 2019 by Ariel Rosenthal, Itzik Cohen, and Tobias Mezger, the company offers a payment platform that allows patients to manage their out-of-pocket medical bills through convenient and transparent installment plans. By utilizing artificial intelligence-powered risk assessment tools, PayZen provides tailored payment options that enhance affordability for patients while improving cash flow for medical providers. This innovative approach enables healthcare providers to concentrate on delivering care rather than handling financial transactions, ultimately leading to better financial outcomes for both parties.

Mattilda is a Mexican company focused on addressing financial challenges faced by schools in Mexico and Latin America. It offers a finance management platform that streamlines financial processes for parents and private educational institutions. The platform enables schools to advance tuition fees, ensuring a predictable cash flow and minimizing delays in payment. Additionally, it provides various flexible payment options for parents, allowing them to manage their finances more effectively. By offering automated collection management products and medium to long-term credit solutions, Mattilda supports schools in prioritizing their educational mission while enhancing their financial stability.

OatFi provides the end-to-end infrastructure for B2B payment platforms to embed and monetize working capital tools.

BRXS is an online application that facilitates real estate investment, catering to both renters and investors. The platform aims to democratize real estate investing by providing a user-friendly interface that allows individuals to invest in carefully selected properties through a mobile app. By making real estate investments more accessible and affordable, BRXS empowers a broader range of customers to participate in the real estate market.

Caju is a Brazilian company founded in 2019, specializing in employee benefits management. Based in Pinheiros, the company offers a comprehensive platform that allows businesses to register employees and manage various benefits efficiently. Caju provides a single Visa card for employees, which can be used across multiple benefit categories, including food, meal, transportation, culture, health, education, and home office expenses. The platform enables both employers and employees to track and adjust benefits according to individual needs and company policies, streamlining the process of managing benefits and vouchers.

GetPaid is a technology and payment firm headquartered in Germany and Spain, specializing in solutions for platforms and marketplaces. The company aims to create a platform-centric payment solution that enhances revenue opportunities and provides valuable data insights. By focusing on the needs of platforms and merchants, GetPaid enables these entities to maximize their value from payment processes, improving customer experiences and streamlining payment operations. The firm's innovative approach is designed to significantly increase the revenue potential for its clients, allowing them to leverage payments more effectively within their business models.

WeRize is a pioneering fintech company in India that focuses on serving the financial needs of middle-class families in tier 2 to tier 4 cities, a segment often overlooked by traditional financial institutions. The firm operates a full-stack financial services platform that offers a diverse range of customized credit, insurance, and savings products tailored to the unique requirements of approximately 300 million individuals across these smaller towns. WeRize leverages a social distribution model, enabling financially literate freelancers in over 1,000 cities to sell its products within their communities, thus addressing trust issues and providing essential high-touch sales and after-sales support. This innovative approach eliminates the need for costly branch networks, allowing WeRize to maintain a scalable and economically viable business model while effectively reaching underserved customers. By utilizing proprietary technology, WeRize manages its freelance network without establishing physical locations, ensuring low customer acquisition costs and operational expenses.

Narmi Inc. is a technology company that specializes in developing online and mobile banking applications for financial institutions across the United States. Founded in 2016 and headquartered in New York, Narmi provides a comprehensive platform that allows regional and community banks and credit unions to attract, engage, and retain customers effectively. The company’s applications facilitate account openings in under 2.5 minutes, while ensuring a secure and user-friendly experience through features such as fraud protection, multi-factor authentication, and transaction monitoring. In addition to banking applications, Narmi also offers services in website design, development, hosting, and content management, helping financial institutions create a dynamic and engaging digital presence.

Buildd is a developer of Banking-as-a-Service software that simplifies the creation and deployment of financial products and services for various industries, including fintech, eCommerce, and corporates. The company provides a comprehensive platform that handles crucial aspects such as compliance, security, and legal requirements, while also facilitating institutional partnerships and underwriting. Through its plug-and-play API stack, Buildd offers a range of services, including onboarding, disbursals, collections, escrow, credit card functionalities, and embedded finance solutions. This enables partner developers to efficiently launch customized financial offerings, allowing businesses to integrate essential financial services seamlessly into their operations.

Xepelin is a financial technology company focused on transforming business finance for small and medium-sized enterprises (SMEs) in Latin America. It offers a comprehensive suite of digital financial services, including short-term and long-term loans, capital credits, and accounts payable financing, all accessible through its online platform. By automating financial management and enhancing access to liquidity via smart accounts, Xepelin aims to provide economic freedom for its clients. The company also emphasizes the importance of advanced financial indicators and risk assessments to streamline decision-making within the broader business ecosystem. With a workforce of over 500 employees, Xepelin is positioned to lead a new era in finance, supported by notable investors in the industry.

Paytron, LLC is a fintech company with a presence in both Las Vegas, Nevada, and Sydney, Australia, founded in 2015. It operates the Cocoon Technology platform, which specializes in merchant services such as credit and debit card processing, secure payment gateway solutions, and point of sale hardware. Additionally, Paytron provides a modern transaction account designed to facilitate payments, invoice approvals, and bank linking, while also enabling collaboration with accountants. The platform aims to streamline workflows for small and medium enterprises (SMEs) by automating bookkeeping, offering cash flow and risk management tools, and enhancing cross-border transaction capabilities. Through its services, Paytron helps businesses efficiently manage their finances, optimize payables and receivables, and gain insights for growth.

Alma SAS is a French company that operates a payment platform designed for online businesses. Founded in 2018 and headquartered in Neuilly-sur-Seine, the company offers a range of services that facilitate payment management, accounting exports, and data analysis for its clients. Alma’s platform provides a customer conversion solution that allows retailers to offer flexible payment options, including installment plans, cash payments, and loans. This approach aims to enhance the payment experience for consumers while supporting businesses in optimizing their sales processes.

Selina Finance Limited is a digital finance company based in London, United Kingdom, established in 2018. It offers innovative financing solutions for consumers and businesses, focusing on providing affordable credit options. By leveraging residential property as collateral, Selina Finance enables homeowners to access a flexible line of credit without the burden of setup or early repayment fees. The company's platform allows individuals to check their loan eligibility and draw funds up to a pre-approved limit, making the financing process as straightforward as applying for a consumer loan. Selina Finance aims to address the unmet needs of homeowners, who often rely on expensive borrowing methods, by offering a product that combines the flexibility of a current account with the affordability of a mortgage.

OatFi provides the end-to-end infrastructure for B2B payment platforms to embed and monetize working capital tools.

Legiti is an antifraud startup specializing in transactional fraud prevention, particularly for e-commerce businesses. The company offers a sophisticated anti-fraud platform designed to secure credit card payments by employing a data-centric approach. This includes a scalable, highly available infrastructure and adaptive machine learning models that help identify and mitigate fraud effectively. Legiti's primary objective is to maximize retained revenue for its clients by balancing the reduction of chargebacks with increased conversion rates, tailored to various business models. Through its automated processes and advanced technology, Legiti enables e-commerce businesses to operate efficiently within a secure network, thereby enhancing data privacy and overall transaction integrity.

Gotrade is a fractional share trading startup focused on empowering retail investors with access to public equity markets. The company offers a mobile application that allows users from 150 countries to invest commission-free in fractions of U.S. stocks, providing the opportunity to participate in the financial markets with lower capital requirements. Users can execute a limited number of trades per week, enabling them to engage actively without extensive upfront investments. The application incorporates biometric access and encryption for enhanced security, promoting a safer investing environment. Currently, Gotrade operates on an invite-only basis, primarily targeting the Indonesian market as it seeks to expand its offerings and attract a broader investor base.

Guru is a financial application aimed at young Brazilian investors, dedicated to simplifying the investment process. The platform provides a range of financial tools, including real-time profitability monitoring, market quotes, graphs, news, and various indicators. By offering these resources, Guru enables users to easily navigate and invest in different financial instruments, making investing more accessible and intuitive for its audience.

D2X Group operates a pan-European digital derivatives exchange designed to facilitate institutional adoption of cryptocurrencies. Based in the Netherlands under an MTF license (MiFID II), D2X offers cash-settled Bitcoin and Ethereum futures and options, available 7 days a week. The company's platform features a unique post-trade model that provides a robust and capital-efficient alternative to central clearing. With backing from strategic investors such as Point72, Flow Traders, and GSR, D2X aims to bridge the gap between digital assets and financial institutions by enabling clean exposure to the asset class while mitigating operational and regulatory risks.

PayZen is a healthcare fintech startup focused on addressing the increasing burden of patient payment responsibilities. Founded in San Francisco in 2019 by Ariel Rosenthal, Itzik Cohen, and Tobias Mezger, the company offers a payment platform that allows patients to manage their out-of-pocket medical bills through convenient and transparent installment plans. By utilizing artificial intelligence-powered risk assessment tools, PayZen provides tailored payment options that enhance affordability for patients while improving cash flow for medical providers. This innovative approach enables healthcare providers to concentrate on delivering care rather than handling financial transactions, ultimately leading to better financial outcomes for both parties.

Aplazo is a fintech company that focuses on enhancing financial access and opportunities in Mexico. Its platform allows users to make online purchases at affiliated stores and pay for them in installments. Customers can apply through the website and choose a delayed payment option, which enables them to manage their finances more effectively. This installment payment plan not only benefits users by providing flexibility in payment but also helps businesses expand their customer base by tapping into new marketing channels. Aplazo aims to empower individuals with financial solutions that promote responsible spending and improve overall access to goods and services.

Billie GmbH, founded in 2016 and based in Berlin, Germany, is a fintech startup focused on reinventing working capital management for small and medium-sized enterprises (SMEs). The company offers innovative lending products, including pre-financing of invoices and online factoring services. Billie's platform leverages big data analytics and digitalized processes to provide instant financing at the point-of-sale and streamline invoice factoring, helping SMEs manage their outgoing invoices efficiently without hidden fees or excessive paperwork. Additionally, Billie assists B2B online merchants in securing better payment terms through a pay-after-delivery product.

MODIFI GmbH is a Berlin-based company that specializes in providing an online platform for global trade financing, tailored specifically for small and medium-sized enterprises (SMEs). Founded in 2018, MODIFI facilitates international trade by offering digital solutions that enable suppliers to receive instant payments while allowing buyers to defer payments for up to 180 days. The platform aims to enhance liquidity and flexibility for businesses, thereby promoting growth and fostering strong international partnerships. Additionally, MODIFI's trade finance services address the financial challenges faced by SMEs in navigating cross-border transactions, simplifying the financing process and minimizing administrative burdens.

WeRize is a pioneering fintech company in India that focuses on serving the financial needs of middle-class families in tier 2 to tier 4 cities, a segment often overlooked by traditional financial institutions. The firm operates a full-stack financial services platform that offers a diverse range of customized credit, insurance, and savings products tailored to the unique requirements of approximately 300 million individuals across these smaller towns. WeRize leverages a social distribution model, enabling financially literate freelancers in over 1,000 cities to sell its products within their communities, thus addressing trust issues and providing essential high-touch sales and after-sales support. This innovative approach eliminates the need for costly branch networks, allowing WeRize to maintain a scalable and economically viable business model while effectively reaching underserved customers. By utilizing proprietary technology, WeRize manages its freelance network without establishing physical locations, ensuring low customer acquisition costs and operational expenses.

Morada Uno is a technology company focused on enhancing the real estate industry by providing tools and financial products designed for real estate brokers and professionals. The company specializes in offering services that facilitate the screening, collection, and insurance of residential leases. By equipping real estate professionals with efficient solutions, Morada Uno enables seamless interactions between property owners and tenants, streamlining transaction processes and helping clients manage their assets effectively.

Basic Enterprises Pvt Ltd operates a technology-driven platform aimed at automating the home loan process for middle and low-income households in India. Established in 2020 and based in Gurugram, the company offers a range of services that include access to multiple lenders, tracking of applications and approvals, loan sanctions, and disbursements. The platform also features an earnings tracker and eligibility calculators to assist users in navigating the home loan process. Additionally, Basic Enterprises provides integrated customer relationship management tools for home loan agents, facilitating a more efficient service delivery. By leveraging an asset-light agent network, the company aims to expedite loan disbursements and enhance the overall experience for families seeking home loans, making the process faster, simpler, and more accessible.

Pectus Finance is a provider of financial planning and analysis software, aimed at enhancing the efficiency and accuracy of finance teams across various sectors, including SaaS, manufactured goods, fintech, and e-commerce. The company's platform integrates with existing systems to deliver data analytics, real-time reporting, and collaborative planning services. This software facilitates an online guided planning experience, allowing users to update budgets and forecasts seamlessly. By empowering finance teams with these tools, Pectus Finance enables organizations to drive business performance and make informed decisions.

Aplazo is a fintech company that focuses on enhancing financial access and opportunities in Mexico. Its platform allows users to make online purchases at affiliated stores and pay for them in installments. Customers can apply through the website and choose a delayed payment option, which enables them to manage their finances more effectively. This installment payment plan not only benefits users by providing flexibility in payment but also helps businesses expand their customer base by tapping into new marketing channels. Aplazo aims to empower individuals with financial solutions that promote responsible spending and improve overall access to goods and services.

Caju is a Brazilian company founded in 2019, specializing in employee benefits management. Based in Pinheiros, the company offers a comprehensive platform that allows businesses to register employees and manage various benefits efficiently. Caju provides a single Visa card for employees, which can be used across multiple benefit categories, including food, meal, transportation, culture, health, education, and home office expenses. The platform enables both employers and employees to track and adjust benefits according to individual needs and company policies, streamlining the process of managing benefits and vouchers.

Gotrade is a fractional share trading startup focused on empowering retail investors with access to public equity markets. The company offers a mobile application that allows users from 150 countries to invest commission-free in fractions of U.S. stocks, providing the opportunity to participate in the financial markets with lower capital requirements. Users can execute a limited number of trades per week, enabling them to engage actively without extensive upfront investments. The application incorporates biometric access and encryption for enhanced security, promoting a safer investing environment. Currently, Gotrade operates on an invite-only basis, primarily targeting the Indonesian market as it seeks to expand its offerings and attract a broader investor base.

HAWK:AI GmbH is a fintech company based in Munich, Germany, founded in 2018. The company specializes in providing a money laundering detection and investigation platform that leverages machine-learning techniques to assist financial institutions in combating financial crime. HAWK:AI supports the end-to-end financial crime compliance process, encompassing transaction monitoring, investigation, filing, and maintaining audit trails. By focusing on effective information sharing, the platform enhances the capabilities of anti-money laundering and fraud surveillance teams within banks, payment companies, and fintech organizations, ultimately improving their efficiency and effectiveness in addressing financial corruption.

Paytron, LLC is a fintech company with a presence in both Las Vegas, Nevada, and Sydney, Australia, founded in 2015. It operates the Cocoon Technology platform, which specializes in merchant services such as credit and debit card processing, secure payment gateway solutions, and point of sale hardware. Additionally, Paytron provides a modern transaction account designed to facilitate payments, invoice approvals, and bank linking, while also enabling collaboration with accountants. The platform aims to streamline workflows for small and medium enterprises (SMEs) by automating bookkeeping, offering cash flow and risk management tools, and enhancing cross-border transaction capabilities. Through its services, Paytron helps businesses efficiently manage their finances, optimize payables and receivables, and gain insights for growth.

Xepelin is a financial technology company focused on transforming business finance for small and medium-sized enterprises (SMEs) in Latin America. It offers a comprehensive suite of digital financial services, including short-term and long-term loans, capital credits, and accounts payable financing, all accessible through its online platform. By automating financial management and enhancing access to liquidity via smart accounts, Xepelin aims to provide economic freedom for its clients. The company also emphasizes the importance of advanced financial indicators and risk assessments to streamline decision-making within the broader business ecosystem. With a workforce of over 500 employees, Xepelin is positioned to lead a new era in finance, supported by notable investors in the industry.

PayZen is a healthcare fintech startup focused on addressing the increasing burden of patient payment responsibilities. Founded in San Francisco in 2019 by Ariel Rosenthal, Itzik Cohen, and Tobias Mezger, the company offers a payment platform that allows patients to manage their out-of-pocket medical bills through convenient and transparent installment plans. By utilizing artificial intelligence-powered risk assessment tools, PayZen provides tailored payment options that enhance affordability for patients while improving cash flow for medical providers. This innovative approach enables healthcare providers to concentrate on delivering care rather than handling financial transactions, ultimately leading to better financial outcomes for both parties.

Narmi Inc. is a technology company that specializes in developing online and mobile banking applications for financial institutions across the United States. Founded in 2016 and headquartered in New York, Narmi provides a comprehensive platform that allows regional and community banks and credit unions to attract, engage, and retain customers effectively. The company’s applications facilitate account openings in under 2.5 minutes, while ensuring a secure and user-friendly experience through features such as fraud protection, multi-factor authentication, and transaction monitoring. In addition to banking applications, Narmi also offers services in website design, development, hosting, and content management, helping financial institutions create a dynamic and engaging digital presence.

Xepelin is a financial technology company focused on transforming business finance for small and medium-sized enterprises (SMEs) in Latin America. It offers a comprehensive suite of digital financial services, including short-term and long-term loans, capital credits, and accounts payable financing, all accessible through its online platform. By automating financial management and enhancing access to liquidity via smart accounts, Xepelin aims to provide economic freedom for its clients. The company also emphasizes the importance of advanced financial indicators and risk assessments to streamline decision-making within the broader business ecosystem. With a workforce of over 500 employees, Xepelin is positioned to lead a new era in finance, supported by notable investors in the industry.

Alma SAS is a French company that operates a payment platform designed for online businesses. Founded in 2018 and headquartered in Neuilly-sur-Seine, the company offers a range of services that facilitate payment management, accounting exports, and data analysis for its clients. Alma’s platform provides a customer conversion solution that allows retailers to offer flexible payment options, including installment plans, cash payments, and loans. This approach aims to enhance the payment experience for consumers while supporting businesses in optimizing their sales processes.

Paytron, LLC is a fintech company with a presence in both Las Vegas, Nevada, and Sydney, Australia, founded in 2015. It operates the Cocoon Technology platform, which specializes in merchant services such as credit and debit card processing, secure payment gateway solutions, and point of sale hardware. Additionally, Paytron provides a modern transaction account designed to facilitate payments, invoice approvals, and bank linking, while also enabling collaboration with accountants. The platform aims to streamline workflows for small and medium enterprises (SMEs) by automating bookkeeping, offering cash flow and risk management tools, and enhancing cross-border transaction capabilities. Through its services, Paytron helps businesses efficiently manage their finances, optimize payables and receivables, and gain insights for growth.

Rain Technologies Inc. is a financial technology company based in Los Angeles, California, founded in 2019. The company develops applications aimed at enhancing employees' financial health by providing them with on-demand access to their earned wages. Rain's platform integrates with existing payroll systems, allowing employees to withdraw portions of their earned wages at any time, rather than waiting for the traditional payday. This service is offered as a voluntary benefit at no cost to employers. The Rain Instant Pay app not only facilitates wage access but also includes features such as overdraft protection through a checking account option, notifications for upcoming bills, and various budgeting and saving tools. By providing an alternative source for cash, Rain helps businesses support their employees in managing finances more effectively and avoiding reliance on payday loans.

Cove Living Pte Ltd is a real estate company based in Singapore, established in 2018, that specializes in providing property management and broking services. The company operates a technology-driven platform that offers ready-to-live-in homes tailored for young professionals, students, and travelers in Southeast Asia's urban destinations. Cove enables landlords to list their properties on its portal and enhances their return on investment through services that include demand and revenue generation, property design, and operations management.

Basic Enterprises Pvt Ltd operates a technology-driven platform aimed at automating the home loan process for middle and low-income households in India. Established in 2020 and based in Gurugram, the company offers a range of services that include access to multiple lenders, tracking of applications and approvals, loan sanctions, and disbursements. The platform also features an earnings tracker and eligibility calculators to assist users in navigating the home loan process. Additionally, Basic Enterprises provides integrated customer relationship management tools for home loan agents, facilitating a more efficient service delivery. By leveraging an asset-light agent network, the company aims to expedite loan disbursements and enhance the overall experience for families seeking home loans, making the process faster, simpler, and more accessible.

HAWK:AI GmbH is a fintech company based in Munich, Germany, founded in 2018. The company specializes in providing a money laundering detection and investigation platform that leverages machine-learning techniques to assist financial institutions in combating financial crime. HAWK:AI supports the end-to-end financial crime compliance process, encompassing transaction monitoring, investigation, filing, and maintaining audit trails. By focusing on effective information sharing, the platform enhances the capabilities of anti-money laundering and fraud surveillance teams within banks, payment companies, and fintech organizations, ultimately improving their efficiency and effectiveness in addressing financial corruption.

Selina Finance Limited is a digital finance company based in London, United Kingdom, established in 2018. It offers innovative financing solutions for consumers and businesses, focusing on providing affordable credit options. By leveraging residential property as collateral, Selina Finance enables homeowners to access a flexible line of credit without the burden of setup or early repayment fees. The company's platform allows individuals to check their loan eligibility and draw funds up to a pre-approved limit, making the financing process as straightforward as applying for a consumer loan. Selina Finance aims to address the unmet needs of homeowners, who often rely on expensive borrowing methods, by offering a product that combines the flexibility of a current account with the affordability of a mortgage.

Alma SAS is a French company that operates a payment platform designed for online businesses. Founded in 2018 and headquartered in Neuilly-sur-Seine, the company offers a range of services that facilitate payment management, accounting exports, and data analysis for its clients. Alma’s platform provides a customer conversion solution that allows retailers to offer flexible payment options, including installment plans, cash payments, and loans. This approach aims to enhance the payment experience for consumers while supporting businesses in optimizing their sales processes.

Cove Living Pte Ltd is a real estate company based in Singapore, established in 2018, that specializes in providing property management and broking services. The company operates a technology-driven platform that offers ready-to-live-in homes tailored for young professionals, students, and travelers in Southeast Asia's urban destinations. Cove enables landlords to list their properties on its portal and enhances their return on investment through services that include demand and revenue generation, property design, and operations management.

Billie GmbH, founded in 2016 and based in Berlin, Germany, is a fintech startup focused on reinventing working capital management for small and medium-sized enterprises (SMEs). The company offers innovative lending products, including pre-financing of invoices and online factoring services. Billie's platform leverages big data analytics and digitalized processes to provide instant financing at the point-of-sale and streamline invoice factoring, helping SMEs manage their outgoing invoices efficiently without hidden fees or excessive paperwork. Additionally, Billie assists B2B online merchants in securing better payment terms through a pay-after-delivery product.

MODIFI GmbH is a Berlin-based company that specializes in providing an online platform for global trade financing, tailored specifically for small and medium-sized enterprises (SMEs). Founded in 2018, MODIFI facilitates international trade by offering digital solutions that enable suppliers to receive instant payments while allowing buyers to defer payments for up to 180 days. The platform aims to enhance liquidity and flexibility for businesses, thereby promoting growth and fostering strong international partnerships. Additionally, MODIFI's trade finance services address the financial challenges faced by SMEs in navigating cross-border transactions, simplifying the financing process and minimizing administrative burdens.

Narmi Inc. is a technology company that specializes in developing online and mobile banking applications for financial institutions across the United States. Founded in 2016 and headquartered in New York, Narmi provides a comprehensive platform that allows regional and community banks and credit unions to attract, engage, and retain customers effectively. The company’s applications facilitate account openings in under 2.5 minutes, while ensuring a secure and user-friendly experience through features such as fraud protection, multi-factor authentication, and transaction monitoring. In addition to banking applications, Narmi also offers services in website design, development, hosting, and content management, helping financial institutions create a dynamic and engaging digital presence.

* At MoneyOnClick we are building India’s largest financial services brand for the 500 Mn lower middle income customers in 4000+ small cities (which we term as “India 4”). This customer segment has very little penetration of formal loans, insurance or saving products as existing financial service players see this segment as risky and non profitable . We have created custom lending, insurance and saving products that are tailormade to serve the needs of India4 customers. * To reach these customers at low CAC, we have built a proprietary tech enabled offline-to-online social distribution channel where we have onboarded thousands of financially literate free-lancers such as LIC agents and junior financial sector employees in 1000+ cities. Our fully automated social partner app is available in 8 Indian languages and helps us manage these partners remotely without any physical presence. * The general perception is that this customer segment is highly risky and non lendable. We are happy to share that we have been able to maintain near 0% default rates despite Covid19 . Our proprietary ML based family underwriting where we evaluate the P&L of the family and give a joint liability family loan has helped us maintain these low default rates.

Narmi Inc. is a technology company that specializes in developing online and mobile banking applications for financial institutions across the United States. Founded in 2016 and headquartered in New York, Narmi provides a comprehensive platform that allows regional and community banks and credit unions to attract, engage, and retain customers effectively. The company’s applications facilitate account openings in under 2.5 minutes, while ensuring a secure and user-friendly experience through features such as fraud protection, multi-factor authentication, and transaction monitoring. In addition to banking applications, Narmi also offers services in website design, development, hosting, and content management, helping financial institutions create a dynamic and engaging digital presence.

Mira Financial, Inc. is an online insurance brokerage founded in 2016 and based in New York, New York. The company specializes in providing affordable life insurance services, particularly for individuals with diabetes and other health conditions. Utilizing advanced technology, including machine learning and artificial intelligence, Mira's platform enables users to compare insurance quotes from various insurers and receive tailored advice on selecting suitable policies. By leveraging big data and partnering with prominent reinsurance and insurance companies, Mira aims to facilitate access to life insurance at competitive prices, ensuring that customers have the information needed to make informed decisions about their coverage.

Blok, a Digital real estate agent and one of Finland's biggest startup sensations. Blok aims to make apartment and house sales more cheap and efficient through an automated service. Through its online platform, Blok takes care of most routine tasks related to apartment sales, such as valuation (where the AI comes in), photographing, marketing and handling of documents. The seller only has to arrange viewings for potential buyers. Blok has attracted both sellers who prefer brokers as well as those who would normally sell their own flats.

Loot Financial Services Ltd., established in 2014 and headquartered in London, offers a unique financial service combining a pre-paid Visa debit card with a budgeting app. This service provides users with real-time spending information, weekly budgets data, and the ability to pause/unpause their card via the web application. The company's primary business is to deliver these innovative banking alternatives to consumers, helping them manage their finances more effectively.

Billie GmbH, founded in 2016 and based in Berlin, Germany, is a fintech startup focused on reinventing working capital management for small and medium-sized enterprises (SMEs). The company offers innovative lending products, including pre-financing of invoices and online factoring services. Billie's platform leverages big data analytics and digitalized processes to provide instant financing at the point-of-sale and streamline invoice factoring, helping SMEs manage their outgoing invoices efficiently without hidden fees or excessive paperwork. Additionally, Billie assists B2B online merchants in securing better payment terms through a pay-after-delivery product.

Blok, a Digital real estate agent and one of Finland's biggest startup sensations. Blok aims to make apartment and house sales more cheap and efficient through an automated service. Through its online platform, Blok takes care of most routine tasks related to apartment sales, such as valuation (where the AI comes in), photographing, marketing and handling of documents. The seller only has to arrange viewings for potential buyers. Blok has attracted both sellers who prefer brokers as well as those who would normally sell their own flats.

Billie GmbH, founded in 2016 and based in Berlin, Germany, is a fintech startup focused on reinventing working capital management for small and medium-sized enterprises (SMEs). The company offers innovative lending products, including pre-financing of invoices and online factoring services. Billie's platform leverages big data analytics and digitalized processes to provide instant financing at the point-of-sale and streamline invoice factoring, helping SMEs manage their outgoing invoices efficiently without hidden fees or excessive paperwork. Additionally, Billie assists B2B online merchants in securing better payment terms through a pay-after-delivery product.

WunderAgent is a prominent real estate sales platform in Germany, specializing in investment properties. The company provides a comprehensive online portal that facilitates smart real estate investments by offering consulting services tailored to users' needs. Through this platform, customers can efficiently search for and identify suitable investment properties, simplifying the process of securing real estate investments. By combining technology with expert advice, WunderAgent aims to enhance the investment experience for its clients.