Portage

Alpaca is a developer-focused financial technology platform that provides a modern brokerage infrastructure for accessing financial markets. The company offers services that include stock and cryptocurrency investing, real-time market data, and comprehensive brokerage capabilities through user-friendly application programming interfaces (APIs). This enables developers to create trading applications and integrate investment functionalities into various products. Alpaca supports a diverse range of businesses and applications globally, catering to tens of thousands of developers who utilize its platform to enhance their financial offerings. The company has attracted significant funding from leading investors in the sector, positioning itself as a prominent player in the embedded finance landscape.

Marshmallow Financial Services Limited, known as Marshmallow, is an insurtech company based in London, United Kingdom, founded in 2017. It specializes in motor vehicle insurance, specifically catering to residents who are moving to the UK. Marshmallow offers a comprehensive insurance platform that emphasizes affordability and inclusivity, providing features such as instant policy management, personal support, and streamlined detail verification without administrative fees. By controlling the entire value chain—from sign-up and pricing to claims—Marshmallow aims to enhance the customer experience in an industry traditionally known for its inefficiencies. The company plans to expand its offerings beyond car insurance to include multiple insurance products across various geographies, all driven by technology.

Bloomo Securities is a software company that specializes in the development of smart and fun investment apps.

Pearler is an investment platform founded in 2018 in Sydney, Australia, designed to simplify the investment process for individuals aiming for financial independence. The platform provides a low-cost brokerage service that allows users to invest in international stocks and exchange-traded fund portfolios. It features tools for auto-investing, strategy comparison, and progress measurement towards financial goals, making it a comprehensive resource for personal finance and long-term investing. Pearler aims to empower ordinary people to become successful investors by fostering a supportive community around their financial journeys.

LeapXpert is a developer of a business communication platform that facilitates secure and compliant messaging for enterprises. Its Federated Messaging Orchestration Platform (FMOP) enables organizations to integrate consumer messaging applications into their critical business processes. This platform allows employees and clients to communicate through their preferred messaging apps while maintaining a centralized source for management and oversight. LeapXpert addresses the compliance and regulatory challenges associated with the increasing use of messaging applications in business, providing accessible digital records of all interactions. The platform enhances communication between employees, clients, suppliers, and other stakeholders, thereby elevating messaging to a formal business communication channel akin to traditional calling or emailing. With a client base that includes several of the world's top global banks, LeapXpert serves tens of thousands of users across various industries.

1Money Network is a technology company that operates a blockchain-based payment network. It facilitates fast, secure, and low-cost transactions using stablecoins, supporting multiple currencies and interoperability with other blockchains and wallets. The platform offers instant transaction finality and fixed low fees, making it an efficient solution for businesses and consumers seeking to make stablecoin payments.

Valsoft Corporation is a holding company that focuses on acquiring and growing vertical-market software enterprises. The company aims to provide software and related technology services to a diverse and expanding consumer base. Valsoft employs a decentralized management approach, allowing its acquired companies to operate independently while benefiting from shared resources, analytics, guidance, and capital. This strategy enables these companies to achieve stability and enhance their marketing efforts, ultimately fostering growth and innovation in the software industry.

Boosted.ai is an artificial intelligence company focused on improving portfolio management for the financial industry through distributed machine learning. Its flagship platform, Boosted Insights, enables portfolio managers to utilize advanced quantitative investing techniques without the need for coding or a data science background. The company develops machine learning software that enhances the investment decision-making process by conducting deep analyses of market data. By automating and simplifying complex tasks, Boosted.ai makes sophisticated investment tools accessible to all investment professionals, empowering them to achieve higher returns.

Welii is a developer of a software as a service (SaaS) management platform that aims to enhance operational efficiency by aligning the interests of IT and finance departments within organizations. The platform provides a comprehensive solution that includes tools for shadow management, optimized inventory, and contract monitoring, allowing businesses to gain valuable insights into their SaaS usage and spending. Additionally, it offers procurement support to streamline the management of software contracts. By facilitating better oversight and control over SaaS tools, Welii helps organizations improve their performance and operational effectiveness.

Puzzl Group, Inc. operates a campaign tracking platform designed for brands to effectively monitor and manage their marketing efforts, particularly the in-person components of their campaigns. The platform allows businesses to track key metrics such as impressions, engagement, and conversions, while also facilitating the management of ambassador programs without the need for physical presence at targeted locations. With a focus on enhancing the effectiveness of personal marketing campaigns, Puzzl has successfully executed numerous campaigns, generating significant revenue and maintaining healthy profit margins. The company currently supports brands in managing a substantial number of brand ambassadors, positioning itself within a large market opportunity.

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

Faye is a travel insurance company that offers comprehensive whole-trip coverage designed to enhance the travel experience. Utilizing advanced technology, Faye provides real-time assistance and proactive solutions for travelers facing disruptions. Their services include coverage for health, trip cancellations, personal belongings, and even pets, all accessible through a user-friendly app. The platform is tailored for American consumers, focusing on immediate assistance, efficient claims processing, and quick reimbursements. Faye aims to turn potential travel mishaps into manageable experiences with 24/7 customer support that helps travelers feel secure and supported throughout their journeys.

CoverTree is an insurance technology company based in Detroit, Michigan, that specializes in providing digital insurance solutions for residents of manufactured homes. The company enhances the insurance experience by offering digital distribution, automated underwriting, and data-driven pricing tailored to the needs of this specific market. CoverTree's manufactured home insurance products are available in several states, including Arizona, Indiana, Michigan, New Mexico, Ohio, Illinois, and Tennessee. By focusing on specialty personal lines of insurance, CoverTree aims to improve access to quality coverage for its clients.

Midas is Turkey’s largest retail investing app, offering Turkish and U.S. equities at low commissions. We provide the most seamless user experience for investing in equities.

Belong, a revolutionary wealth-building platform. Belong strives to make wealth-building opportunities available to a broader market, with a concentration on professionally employed millennials.

Agio Ratings Ltd is a specialized financial services firm focusing on the digital asset market. It provides a suite of services, including credit ratings, risk analysis, and due diligence, to help businesses and investors navigate the complexities and risks associated with digital assets. The company's team of experts uses advanced technology and industry knowledge to assess the creditworthiness of digital asset exchanges, brokers, custodians, lenders, and stablecoins, enabling clients to make informed investment decisions and safeguard their capital. Agio Ratings Ltd is committed to delivering valuable, data-driven insights to support the long-term success of its clients in the digital asset space.

Benepass, Inc. is a benefits administration platform that provides startups and small companies with a comprehensive solution for managing and distributing employee perks and benefits. Founded in 2019 and based in New York, Benepass offers a smart debit card and a mobile app, allowing employers to deliver tax-advantaged employee benefits and wellness perks. The platform is designed to enhance flexibility and ease of use, enabling employers to set personalized wellness policies and distribute funds through various methods, including prepaid debit cards, mobile wallets, reimbursements, and a marketplace. By integrating with payroll systems, Benepass streamlines the onboarding and offboarding processes, ensuring tax compliance while also improving employee engagement. The company's focus on financial technology allows it to facilitate the delivery of global benefits tailored to individual employee needs.

Ansel Health is a company that develops a health insurance platform designed to improve employee benefits for employers through a straightforward supplemental health benefits plan. The platform provides insurance services that offer financial support in the form of cash payments to individuals diagnosed with various covered conditions, including those related to COVID-19. This support aims to help mitigate the financial challenges associated with serious health issues, facilitating a smoother recovery process for affected individuals.

ZILO is a fintech company dedicated to transforming the global asset management sector through innovative technology solutions. Focused on modernizing the industry, ZILO offers a comprehensive platform that integrates transfer agency, fund platforms, and fund accounting into a unified global solution. By replacing outdated legacy systems, ZILO's technology enhances operational efficiency, reduces costs, and minimizes risk for firms in the asset and wealth management space. The company emphasizes a design-driven, people-first approach, fostering strong partnerships with clients to expand their product and service offerings. With a team composed of experienced professionals, ZILO aims to lead the market in asset management solutions while facilitating compliance and operational tasks through secure, efficient digital processes.

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

Lopay is a fintech company that develops a platform designed to empower small businesses by providing them with payment tools. The platform allows users to accept payments through various means, including mobile devices, payment stickers, and card readers. By focusing on independent and small businesses, Lopay aims to facilitate faster and more cost-effective cashless transactions, ensuring that users have instant access to the funds they earn. Through its innovative payment applications, Lopay seeks to enhance control and flexibility for its clientele, ultimately streamlining their financial interactions.

Orus is a company that specializes in providing simple and transparent insurance coverage tailored specifically for small and medium-sized businesses (SMBs) in Europe. Its online platform is designed to deliver an efficient user experience, allowing businesses to easily modify their insurance policies with complete transparency. Orus aims to offer affordable insurance solutions that protect various aspects of SMBs, including their premises, contents, and civil liability. By focusing on the unique needs of these businesses, Orus enables them to concentrate on their core operations without the added stress of complicated insurance processes.

ThetaRay Ltd. is a technology company that specializes in big data analytics solutions, leveraging artificial intelligence and machine learning to enhance financial security. Founded in 2012 and headquartered in Hod HaSharon, Israel, with additional offices in key global locations, the company focuses on developing a transaction monitoring platform aimed at detecting early signs of money laundering and other illicit activities. Its software solutions encompass anti-money laundering, fraud detection, and cyber security, providing financial institutions and critical infrastructure sectors with tools to identify anomalies in real-time, manage risks, and uncover operational issues. By utilizing advanced algorithms, ThetaRay enhances operational efficiency and protects clients against emerging threats, ultimately facilitating the detection of fraud and the identification of growth opportunities.

Croissant provides Guaranteed Buybacks at Point of Sale and beyond, enabling retailers and consumers to benefit from the resale ecosystem.

Ironforge is a developer of a cloud-based platform that facilitates the creation and management of decentralized applications on the Solana blockchain. The company offers a serverless development environment that allows businesses to simplify and accelerate their blockchain application development processes. Its platform provides automated deployments, a globally distributed API, an on-demand indexer, and comprehensive monitoring, enabling users to focus on building their applications without the complexities of managing infrastructure or scalability. By consolidating essential tools and services into a single platform, Ironforge aims to streamline the development lifecycle for businesses venturing into blockchain technology.

Novisto is a developer of enterprise software focused on enhancing corporate sustainability management. The company's platform offers comprehensive solutions for managing sustainability data, enabling organizations to streamline their ESG strategies and reporting processes. With features such as automation, AI-driven analytics, and risk management oversight, Novisto empowers companies to improve the efficiency and accuracy of their sustainability efforts. By consolidating non-financial data into a single ESG dataset, Novisto helps businesses create value from their sustainability initiatives while fostering a more inclusive and resilient society.

Mooncard is a company that specializes in providing innovative payment solutions aimed at simplifying the management of expenses for businesses of all sizes. By leveraging advanced technologies such as web, big data, and artificial intelligence, Mooncard offers a secure and real-time payment system that automates the processes of expense claims and business expenditures. This automation significantly reduces the complexity and manual labor typically associated with purchasing and managing payments, allowing companies, particularly smaller ones, to save valuable time and enhance efficiency. Mooncard's goal is to empower organizations to fully utilize modern payment methods, thereby improving their day-to-day management and overall profitability.

Franklin develops a payroll tool for making employee payments. The platform allows users to pay their workers in cash and crypto in an automated, tax-compliant way. It can be also used as an HR management system, to make expense reimbursement payments, pay vendors, and many other features.

P97 Networks, Inc., headquartered in Houston, Texas, specializes in developing cloud-based mobile commerce and digital marketing solutions for the convenience retail and fuel retailing industries, operating under the brand name PetroZone. Its platform connects consumers with retail fueling merchants and convenience stores, offering improved mobile shopping experiences, lower fuel price options, and personalized in-store offers. P97's solution securely links millions of mobile phones and connected cars with identity and geolocation-based software technologies, enabling businesses to attract and retain customers. The company has strategic partnerships with ZipLine and Phillips 66, and its platform extends to electric vehicle chargers, serving a broad ecosystem of partners including oil company payment networks, merchants, consumer package goods companies, automotive manufacturers, and banks.

Conquest Planning Inc. is a FinTech company based in Winnipeg, Canada, that specializes in providing an online financial planning and advice platform. Established in 2018, the company aims to democratize access to financial advice through an innovative software solution tailored for the financial services industry. Its platform features an intuitive user interface and a streamlined onboarding process, leveraging data-driven artificial intelligence to generate personalized financial plans. By presenting information in a visually appealing format, Conquest Planning empowers users to independently create and manage their financial futures.

Peggy is a secure marketplace that facilitates the buying and selling of investment-grade art, aimed at making art investment accessible to a broader audience. By partnering with galleries and artists, Peggy allows individuals to purchase remarkable artworks at affordable prices and offers the opportunity to resell to fellow collectors. This platform not only democratizes art investment but also ensures that artists can earn royalties from future secondary sales, addressing a significant gap in the traditional art market. Peggy's use of sophisticated artificial intelligence and machine learning technology provides a transparent and secure environment for transactions, moving away from the outdated Auction House model. This approach positions Peggy as a valuable resource for both investors looking to diversify their portfolios and artists seeking to benefit from their work.

ChefHero Inc. is a technology company based in Toronto, Canada, that provides a mobile and web application designed for businesses in the food service industry to order wholesale restaurant supplies from regional suppliers. Founded in 2015, ChefHero serves a diverse clientele, including restaurants, bars, coffee shops, food trucks, and catering services. The platform streamlines the procurement process, allowing users to efficiently source necessary supplies while enabling chefs and food service professionals to focus more on their culinary creations. By connecting businesses with a network of dedicated suppliers, ChefHero enhances operational efficiency in the food industry.

Liquidly is a financial technology company focused on enhancing liquidity for illiquid assets. It operates a marketplace that leverages advanced technology to create an efficient infrastructure for private markets. By facilitating access to liquidity, Liquidly provides investors with a platform to trade and manage illiquid assets, thereby addressing a significant challenge in the investment landscape. The company's solutions aim to streamline transactions and improve market accessibility, ultimately supporting the growth and efficiency of private market investments.

Angle Health, Inc. is a digital health company that specializes in providing customized health insurance plans for startups and small to medium-sized businesses. Established in 2019 and headquartered in San Francisco, California, Angle Health focuses on delivering a modern health insurance technology platform that enhances the overall experience for both employers and employees. The company's offerings include comprehensive insurance packages featuring dental and vision coverage, telemedicine services, wellness programs, and integration with payroll systems. By emphasizing personalization and ease of use, Angle Health aims to improve access to care and ensure effective health coverage for its clients.

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

Retirable, Inc. is a financial services company founded in 2019 and headquartered in New York. It specializes in personalized retirement planning and advice, catering to adults who are approaching or in retirement. The company offers a platform that provides tailored guidance to help clients achieve financial stability for their post-work lives. By delivering actionable human advice, Retirable aims to ensure that its customers can navigate their retirement years with confidence and peace of mind. The focus on individualized planning distinguishes Retirable in the financial services sector, supporting clients in generating income and making informed investment decisions as they transition into retirement.

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

Notch Financial provides solutions to streamline financial operations. The company offers a customer payment portal for managing and processing payments securely. Its payment collection tools automate payment workflows, while real-time reconciliation ensures accurate transaction syncing. Invoice management is automated for creating and tracking invoices, and the OCR invoice scanning feature allows users to easily digitize, process, and integrate invoices with accounting and ERP systems. These tools aim to simplify financial tasks and improve operational efficiency for businesses.

Kontempo is a leading B2B payments platform tailored for the industrial sector in Mexico. The company provides software that enables wholesalers, manufacturers, and distributors to offer flexible payment terms, such as credit and installment pricing, to their customers in an efficient and user-friendly manner. Utilizing advanced APIs and AI-driven risk models, Kontempo helps businesses process more credit for a wider range of clients while minimizing financial risk and avoiding the need for additional capital. By facilitating alternative payment options, including buy now, pay later and interest-free installments, Kontempo empowers suppliers to offer point-of-sale financing to small business customers, ultimately enhancing sales and providing instant liquidity.

Covey is an analyst-led community focused on identifying and rewarding emerging talent in money management. The company has developed a financial platform that facilitates the creation and sharing of portfolios among users. This platform allows analysts to share portfolio analytics across various communities while aggregating trade-level data on equities. By providing a sophisticated mock portfolio trading suite, Covey assists hedge funds and investment institutions in refining their trading strategies, ultimately enhancing their investment decision-making processes.

Orus is a company that specializes in providing simple and transparent insurance coverage tailored specifically for small and medium-sized businesses (SMBs) in Europe. Its online platform is designed to deliver an efficient user experience, allowing businesses to easily modify their insurance policies with complete transparency. Orus aims to offer affordable insurance solutions that protect various aspects of SMBs, including their premises, contents, and civil liability. By focusing on the unique needs of these businesses, Orus enables them to concentrate on their core operations without the added stress of complicated insurance processes.

Pearler is an investment platform founded in 2018 in Sydney, Australia, designed to simplify the investment process for individuals aiming for financial independence. The platform provides a low-cost brokerage service that allows users to invest in international stocks and exchange-traded fund portfolios. It features tools for auto-investing, strategy comparison, and progress measurement towards financial goals, making it a comprehensive resource for personal finance and long-term investing. Pearler aims to empower ordinary people to become successful investors by fostering a supportive community around their financial journeys.

Getquin is a financial technology company that offers a comprehensive platform for investors to manage and track their entire net worth in one location. The platform is designed to facilitate the creation and management of exchange-traded fund portfolios, allowing users to analyze their assets and make informed investment decisions. By providing tools to monitor investments continuously, Getquin fosters a community of like-minded investors, enhancing the decision-making process through shared insights and information. This integrated approach aims to empower individuals to take control of their financial futures.

Faye is a travel insurance company that offers comprehensive whole-trip coverage designed to enhance the travel experience. Utilizing advanced technology, Faye provides real-time assistance and proactive solutions for travelers facing disruptions. Their services include coverage for health, trip cancellations, personal belongings, and even pets, all accessible through a user-friendly app. The platform is tailored for American consumers, focusing on immediate assistance, efficient claims processing, and quick reimbursements. Faye aims to turn potential travel mishaps into manageable experiences with 24/7 customer support that helps travelers feel secure and supported throughout their journeys.

Ness builds a credit card-first wedge into healthcare. It allows its user to earn rewards for healthy purchases and access exclusive perks to complement their lifestyle. It was established in 2021 and is based in New York, United States.

TheGuarantors is a FinTech company that specializes in providing innovative risk and financial solutions within the real estate sector. By leveraging data and industry expertise, TheGuarantors enhances the leasing process for landlords, leasing staff, brokers, and tenants. The company's platform serves as a financing tool, allowing tenants to replace traditional security deposits with a small annual fee, thereby making renting more affordable and efficient. This approach not only helps tenants free up capital but also offers landlords the protection they seek. TheGuarantors has received recognition in various rankings, highlighting its growth and impact in the real estate ecosystem.

Sanlo is a specialized financial services provider focused on supporting gaming and app companies in managing their finances and accessing capital for growth. The company understands the unique challenges faced by game developers and offers a range of tailored products designed to simplify business operations. By providing guidance, technology, tools, and insights, Sanlo enables its clients to achieve sustainable and scalable growth while maintaining financial health. Its mission is to empower gaming ventures, allowing developers to concentrate on creating engaging gaming experiences without being burdened by financial complexities.

Socotra, Inc. is a technology company that specializes in providing a cloud-based platform tailored for the insurance industry. Founded in 2014 and headquartered in San Francisco, California, Socotra offers a comprehensive software solution for policy administration, underwriting, claims management, billing, and reporting. The platform is designed to support both property and casualty as well as life insurance businesses globally. By utilizing modern technologies, Socotra aims to deliver a reliable and flexible core system that enhances the speed and efficiency of insurance operations. Its platform features standardized public APIs, allowing insurers to easily adapt to changing regulations and streamline product development. This innovative approach not only reduces maintenance costs but also improves the overall customer experience, making it a valuable resource for insurers looking to modernize their operations.

Glean AI is a New York-based company that provides an all-in-one spend management solution tailored for small and mid-market businesses. Utilizing advanced artificial intelligence, Glean analyzes expense drivers and delivers line-item level insights that are frequently overlooked by finance teams and budget owners. Its platform combines smart automation with spending intelligence, empowering finance teams to identify significant savings opportunities. By streamlining financial processes, Glean enables companies to expedite invoice payments and reduce manual workload, thereby enhancing overall financial efficiency.

Tallied is a fintech infrastructure company that specializes in providing a comprehensive, cloud-native platform for credit card program management. With an API-first approach, Tallied enables fintechs, banks, and embedded finance customers to build, launch, and scale both consumer and corporate credit card programs. The platform offers a range of services, including application processing, credit underwriting, issuance processing, and digital programmable rewards, all integrated into a single infrastructure. This allows brands, vertical SaaS companies, marketplaces, and financial institutions to efficiently manage secure credit card offerings while enhancing cardholder servicing. By streamlining the complexities of credit card program management, Tallied supports its clients in delivering tailored financial solutions.

Haruko is a financial technology company that provides an intuitive platform for institutional investors to manage digital assets alongside traditional asset classes. Established by a team with expertise in both traditional and digital markets, Haruko focuses on delivering visibility, security, and compliance in digital asset trading. The company's technology captures a comprehensive set of risk metrics, offering real-time pricing and analytics that seamlessly integrate with clients' systems. This enables investors to obtain historical portfolio valuations, in-depth protocol insights, and automated blockchain transaction monitoring. Haruko aims to facilitate a smooth interaction with the rapidly evolving digital assets ecosystem, positioning itself as a reliable interface for institutions navigating the complexities of blockchain trading.

Atomic is a technology company focused on enhancing consumer engagement within financial services through innovative product development. It aims to launch a series of financial products, beginning with a balance transfer solution for credit cards, home equity lines of credit, and potentially auto loans. Atomic's platform streamlines the connection of payroll accounts using secure credentials, significantly reducing the risk of fraud and minimizing manual processes through multi-step verification. This allows for more efficient and secure banking transactions for both employees and businesses. By improving transaction speed and user experience, Atomic addresses significant pain points faced by financial institutions and fintech companies, moving beyond the limitations of current manual systems.

LoanStreet Inc. is a technology company based in New York, established in 2013, that operates an integrated online platform designed to streamline the processes of sharing, managing, and originating loans for credit unions, banks, and direct lenders. The platform facilitates efficient loan syndication, enabling lenders and investors to buy, sell, and manage loans directly. LoanStreet automates and standardizes the entire loan process from origination to maturity, providing tools for real-time reporting, standardized agreements, and enhanced balance sheet management. By offering deep insights and optimizing capital allocation, LoanStreet helps financial institutions grow and diversify their portfolios while reducing administrative costs.

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

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

Tuum is a cloud-native banking platform that is spearheading the next generation of digital innovation in the financial services industry. Built around a microservices architecture, the platform consists of flexible and independent modules covering all retail and business banking capabilities. The platform is API-based for quick and easy integration and can run on all major cloud providers, as well as on private clouds. Founded by a team of banking and technology experts in 2019, Tuum combines technological excellence with in-depth banking knowledge and packages it into a sophisticated, cutting-edge platform. Tuum currently employs over 60 people with offices in Tallinn, Berlin and Malaga.

Conduit is a financial technology company that specializes in enhancing cross-border payment solutions for global businesses. Its platform simplifies and accelerates the process of moving money between USD and various local currencies in Latin America, offering improved transparency and efficiency compared to traditional payment systems. By providing a user-friendly dashboard, Conduit enables teams to manage payments with greater visibility and speed, facilitating same-day transactions and seamless commercial exchanges. The company's focus on streamlining B2B payments and invoice settlements positions it as a key player in maximizing financial opportunities within emerging markets.

Boosted.ai is an artificial intelligence company focused on improving portfolio management for the financial industry through distributed machine learning. Its flagship platform, Boosted Insights, enables portfolio managers to utilize advanced quantitative investing techniques without the need for coding or a data science background. The company develops machine learning software that enhances the investment decision-making process by conducting deep analyses of market data. By automating and simplifying complex tasks, Boosted.ai makes sophisticated investment tools accessible to all investment professionals, empowering them to achieve higher returns.

League is a platform technology company focused on enhancing healthcare consumer experiences through its digital health platform. This platform is designed to deliver personalized health experiences, facilitating a digital transformation in the healthcare sector. By providing a robust infrastructure, League enables healthcare providers, partners, and employers to manage costs, increase utilization, and improve care for their populations. The company's approach aims to meet consumers in various settings, driving measurable outcomes in health engagement and overall wellness.

Atomic is a technology company focused on enhancing consumer engagement within financial services through innovative product development. It aims to launch a series of financial products, beginning with a balance transfer solution for credit cards, home equity lines of credit, and potentially auto loans. Atomic's platform streamlines the connection of payroll accounts using secure credentials, significantly reducing the risk of fraud and minimizing manual processes through multi-step verification. This allows for more efficient and secure banking transactions for both employees and businesses. By improving transaction speed and user experience, Atomic addresses significant pain points faced by financial institutions and fintech companies, moving beyond the limitations of current manual systems.

Rose AI is a data management platform that enables users to efficiently find, organize, and interact with diverse datasets. Recognizing the challenges posed by outdated databases and error-prone spreadsheets, Rose provides a centralized workspace that integrates data, analytics, and a marketplace for quality-controlled information. This platform allows users to transform, share, and monetize data seamlessly, facilitating data-driven decision-making. By offering access to a wide array of robust datasets from reputable providers, Rose empowers organizations to navigate the complexities of information management effectively. The platform simplifies the processes of data discovery, cleaning, and integration, equipping users with the tools necessary to derive valuable insights from raw information.

Mirza is a FinTech company that focuses on providing tax-efficient employer stipends to a network of caregivers. Its platform integrates family financial planning and childcare funding, helping organizations enhance their corporate policies related to parental leave, fertility options, and modern parenting advice. By offering these tools, Mirza enables working professionals to navigate their financial responsibilities while supporting their roles as caregivers. The company aims to empower employees by facilitating their financial goals through innovative solutions tailored to the needs of modern families.

Alpaca is a developer-focused financial technology platform that provides a modern brokerage infrastructure for accessing financial markets. The company offers services that include stock and cryptocurrency investing, real-time market data, and comprehensive brokerage capabilities through user-friendly application programming interfaces (APIs). This enables developers to create trading applications and integrate investment functionalities into various products. Alpaca supports a diverse range of businesses and applications globally, catering to tens of thousands of developers who utilize its platform to enhance their financial offerings. The company has attracted significant funding from leading investors in the sector, positioning itself as a prominent player in the embedded finance landscape.

Moneyworld is a fintech company that offers a unique blend of digital banking services and interactive gaming elements. It provides users with a virtual world called Moneyworld, where they can save money while engaging with animated characters like Joony the cat, exploring diverse environments, and participating in community activities. By completing financial tasks within this immersive platform, users earn daily returns on their savings, making saving money an enjoyable experience.

Conquest Planning Inc. is a FinTech company based in Winnipeg, Canada, that specializes in providing an online financial planning and advice platform. Established in 2018, the company aims to democratize access to financial advice through an innovative software solution tailored for the financial services industry. Its platform features an intuitive user interface and a streamlined onboarding process, leveraging data-driven artificial intelligence to generate personalized financial plans. By presenting information in a visually appealing format, Conquest Planning empowers users to independently create and manage their financial futures.

Hellas Direct is a Cyprus-based digital-first insurance company that leverages advanced technology and artificial intelligence to transform the insurance industry. The company offers a range of insurance products, including car, motorcycle, and home insurance, by utilizing algorithms and advanced analytics to provide competitive pricing. By focusing on operational excellence, Hellas Direct aims to streamline the insurance process, making it simpler and more accessible for clients. With a mission to disrupt the traditional insurance value chain, Hellas Direct adopts a customer-centric approach, ensuring that clients receive the best possible offers tailored to their needs.

Kikoff Inc. is a personal finance platform that focuses on helping users build and improve their credit scores. Established in 2019 and based in San Francisco, California, Kikoff provides a web and mobile application that enables customers to access funds and create a payment history by making monthly repayments. The platform is designed to offer a straightforward and affordable way for individuals to demonstrate creditworthiness, even without a traditional bank account or existing credit score. By using Kikoff's services, users can effectively track their credit scores and reports, facilitating a pathway to achieve their financial objectives.

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

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

Acheel is an insurance technology company focused on simplifying access to online insurance products, which include automotive, housing, healthcare, pet, and personal non-occupational insurance. The company is dedicated to modernizing the insurance experience, aiming to enhance customer satisfaction by providing a user-friendly platform. This platform enables users to manage contracts, personalize their insurance guarantees, and track refunds, thereby facilitating a straightforward and accessible approach to securing insurance. Through its innovative solutions, Acheel seeks to deliver high-quality insurance options at an affordable price.

Sanlo is a specialized financial services provider focused on supporting gaming and app companies in managing their finances and accessing capital for growth. The company understands the unique challenges faced by game developers and offers a range of tailored products designed to simplify business operations. By providing guidance, technology, tools, and insights, Sanlo enables its clients to achieve sustainable and scalable growth while maintaining financial health. Its mission is to empower gaming ventures, allowing developers to concentrate on creating engaging gaming experiences without being burdened by financial complexities.

Hapi is a stock trading app that aims to democratize access to the financial markets for consumers in Latin America. It offers a user-friendly platform where individuals can register in just a few minutes and begin trading stocks and exchange-traded funds (ETFs) without incurring any commission fees or minimum investment requirements. Hapi allows users to transfer funds, execute real-time transactions, and monitor their investment returns easily. In addition to traditional stock trading, the platform has expanded its offerings to include the ability to buy, hold, and sell cryptocurrencies, further enhancing its appeal to a diverse range of investors.

Pledg is a provider of instant financing solutions tailored for e-commerce and in-store environments. The company enables merchants to enhance their conversion rates, increase average transaction values, and foster brand loyalty by allowing customers to make purchases immediately and pay later or in installments. Pledg's platform supports an omnichannel approach, featuring easy integration and a high acceptance rate, attributed to a distinctive scoring algorithm. Its offerings include shared payment options for group purchases, installment plans ranging from two to twelve payments without risk to the merchant, and deferred payment arrangements that allow customers to try items at home before committing to payment within 15, 30, or 45 days for the items they choose to keep. Pledg has successfully partnered with over 100 large accounts, many of which generate annual revenues exceeding one billion euros.

Fondeadora is a digital banking service founded in 2018 and headquartered in Mexico City, Mexico. The company aims to address the inefficiencies of traditional banking by offering a free debit card linked to a user-friendly mobile app. This platform allows users to pay, store, and manage their money without the complications often associated with conventional banking systems. In addition to basic banking functions, Fondeadora operates as a crowdfunding platform, enabling customers and businesses to monitor their expenses, receive immediate notifications, and raise funds securely. This innovative approach enhances financial management for its users while eliminating unnecessary fees and paperwork.

Pledg is a provider of instant financing solutions tailored for e-commerce and in-store environments. The company enables merchants to enhance their conversion rates, increase average transaction values, and foster brand loyalty by allowing customers to make purchases immediately and pay later or in installments. Pledg's platform supports an omnichannel approach, featuring easy integration and a high acceptance rate, attributed to a distinctive scoring algorithm. Its offerings include shared payment options for group purchases, installment plans ranging from two to twelve payments without risk to the merchant, and deferred payment arrangements that allow customers to try items at home before committing to payment within 15, 30, or 45 days for the items they choose to keep. Pledg has successfully partnered with over 100 large accounts, many of which generate annual revenues exceeding one billion euros.

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

Borrowell Inc. is a financial technology company based in Toronto, Canada, founded in 2014. It specializes in offering a range of financial products and services, including personal loans, credit cards, and free credit scores. Borrowell operates an online marketplace-lending platform that provides Canadians with access to borrowing options and unsecured consumer loans. The company is dedicated to enhancing financial prosperity for its users by offering tools for credit education, personalized credit coaching, and AI-driven recommendations for financial products. By delivering resources such as credit monitoring and tailored options from marketplace partners, Borrowell aims to help customers secure low-interest loans and improve their overall financial well-being.

Albert Corporation is a financial technology company founded in 2015 and based in Culver City, California. The company focuses on democratizing money management by providing accessible and affordable financial advisory services through its mobile application. Its platform enables users to engage directly with financial experts to address various money-related issues, as well as to create personalized financial plans. Albert offers a range of features, including automatic savings, budgeting tools, financial health monitoring, and detailed spending reports. Additionally, the platform allows customers to access automated investing options and provides Albert Instant, which offers advances against paychecks to help prevent overdrafts. By aggregating financial data from bank accounts, credit cards, loans, and investments, Albert delivers personalized recommendations to assist users in effectively managing their finances.

Socotra, Inc. is a technology company that specializes in providing a cloud-based platform tailored for the insurance industry. Founded in 2014 and headquartered in San Francisco, California, Socotra offers a comprehensive software solution for policy administration, underwriting, claims management, billing, and reporting. The platform is designed to support both property and casualty as well as life insurance businesses globally. By utilizing modern technologies, Socotra aims to deliver a reliable and flexible core system that enhances the speed and efficiency of insurance operations. Its platform features standardized public APIs, allowing insurers to easily adapt to changing regulations and streamline product development. This innovative approach not only reduces maintenance costs but also improves the overall customer experience, making it a valuable resource for insurers looking to modernize their operations.

Clark is a Berlin-based insurance platform founded in June 2015 by Dr. Christopher Oster and Steffen Glomb. The company aims to simplify and enhance the insurance experience by providing transparent and affordable coverage options. Through its digital platform, available via iOS and Android applications as well as a website, Clark allows users to assess their insurance status and identifies opportunities for optimization by comparing tariffs from various insurance providers. By leveraging technology alongside insurance expertise, Clark offers customer-centric advice, enabling users to manage their insurance needs efficiently and cost-effectively. The company is supported by the FinTech incubator FinLeap and the Institute for Transparency, further enhancing its commitment to promoting clarity and fairness in the insurance industry.

Pearler is an investment platform founded in 2018 in Sydney, Australia, designed to simplify the investment process for individuals aiming for financial independence. The platform provides a low-cost brokerage service that allows users to invest in international stocks and exchange-traded fund portfolios. It features tools for auto-investing, strategy comparison, and progress measurement towards financial goals, making it a comprehensive resource for personal finance and long-term investing. Pearler aims to empower ordinary people to become successful investors by fostering a supportive community around their financial journeys.

Getquin is a financial technology company that offers a comprehensive platform for investors to manage and track their entire net worth in one location. The platform is designed to facilitate the creation and management of exchange-traded fund portfolios, allowing users to analyze their assets and make informed investment decisions. By providing tools to monitor investments continuously, Getquin fosters a community of like-minded investors, enhancing the decision-making process through shared insights and information. This integrated approach aims to empower individuals to take control of their financial futures.

Alpaca is a developer-focused financial technology platform that provides a modern brokerage infrastructure for accessing financial markets. The company offers services that include stock and cryptocurrency investing, real-time market data, and comprehensive brokerage capabilities through user-friendly application programming interfaces (APIs). This enables developers to create trading applications and integrate investment functionalities into various products. Alpaca supports a diverse range of businesses and applications globally, catering to tens of thousands of developers who utilize its platform to enhance their financial offerings. The company has attracted significant funding from leading investors in the sector, positioning itself as a prominent player in the embedded finance landscape.

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

Atomic is a technology company focused on enhancing consumer engagement within financial services through innovative product development. It aims to launch a series of financial products, beginning with a balance transfer solution for credit cards, home equity lines of credit, and potentially auto loans. Atomic's platform streamlines the connection of payroll accounts using secure credentials, significantly reducing the risk of fraud and minimizing manual processes through multi-step verification. This allows for more efficient and secure banking transactions for both employees and businesses. By improving transaction speed and user experience, Atomic addresses significant pain points faced by financial institutions and fintech companies, moving beyond the limitations of current manual systems.

Choosing Therapy Inc is an online publication dedicated to providing accurate and actionable information on psychology and mental health. Established in 2019 and headquartered in Brooklyn, New York, the company focuses on creating high-quality content authored by licensed therapists and mental health professionals. Its platform features a variety of articles that help individuals understand mental health topics, explore wellness strategies, and empower themselves in their mental health journeys. Additionally, Choosing Therapy develops technology solutions tailored for solo and small therapy practices, listing different types of therapies and therapists to enhance patient access to mental health resources. Through its commitment to maintaining industry-leading editorial standards, Choosing Therapy aims to improve mental and behavioral health information available online, ultimately fostering better mental well-being for its users.

Boosted.ai is an artificial intelligence company focused on improving portfolio management for the financial industry through distributed machine learning. Its flagship platform, Boosted Insights, enables portfolio managers to utilize advanced quantitative investing techniques without the need for coding or a data science background. The company develops machine learning software that enhances the investment decision-making process by conducting deep analyses of market data. By automating and simplifying complex tasks, Boosted.ai makes sophisticated investment tools accessible to all investment professionals, empowering them to achieve higher returns.

Albert Corporation is a financial technology company founded in 2015 and based in Culver City, California. The company focuses on democratizing money management by providing accessible and affordable financial advisory services through its mobile application. Its platform enables users to engage directly with financial experts to address various money-related issues, as well as to create personalized financial plans. Albert offers a range of features, including automatic savings, budgeting tools, financial health monitoring, and detailed spending reports. Additionally, the platform allows customers to access automated investing options and provides Albert Instant, which offers advances against paychecks to help prevent overdrafts. By aggregating financial data from bank accounts, credit cards, loans, and investments, Albert delivers personalized recommendations to assist users in effectively managing their finances.

Conquest Planning Inc. is a FinTech company based in Winnipeg, Canada, that specializes in providing an online financial planning and advice platform. Established in 2018, the company aims to democratize access to financial advice through an innovative software solution tailored for the financial services industry. Its platform features an intuitive user interface and a streamlined onboarding process, leveraging data-driven artificial intelligence to generate personalized financial plans. By presenting information in a visually appealing format, Conquest Planning empowers users to independently create and manage their financial futures.

Socotra, Inc. is a technology company that specializes in providing a cloud-based platform tailored for the insurance industry. Founded in 2014 and headquartered in San Francisco, California, Socotra offers a comprehensive software solution for policy administration, underwriting, claims management, billing, and reporting. The platform is designed to support both property and casualty as well as life insurance businesses globally. By utilizing modern technologies, Socotra aims to deliver a reliable and flexible core system that enhances the speed and efficiency of insurance operations. Its platform features standardized public APIs, allowing insurers to easily adapt to changing regulations and streamline product development. This innovative approach not only reduces maintenance costs but also improves the overall customer experience, making it a valuable resource for insurers looking to modernize their operations.

Alpaca is a developer-focused financial technology platform that provides a modern brokerage infrastructure for accessing financial markets. The company offers services that include stock and cryptocurrency investing, real-time market data, and comprehensive brokerage capabilities through user-friendly application programming interfaces (APIs). This enables developers to create trading applications and integrate investment functionalities into various products. Alpaca supports a diverse range of businesses and applications globally, catering to tens of thousands of developers who utilize its platform to enhance their financial offerings. The company has attracted significant funding from leading investors in the sector, positioning itself as a prominent player in the embedded finance landscape.

League is a platform technology company focused on enhancing healthcare consumer experiences through its digital health platform. This platform is designed to deliver personalized health experiences, facilitating a digital transformation in the healthcare sector. By providing a robust infrastructure, League enables healthcare providers, partners, and employers to manage costs, increase utilization, and improve care for their populations. The company's approach aims to meet consumers in various settings, driving measurable outcomes in health engagement and overall wellness.

Flybits Inc. is a Toronto-based company that specializes in a context-aware experience development platform tailored for the financial services sector. The platform enables banks to create personalized digital interactions by delivering relevant content, products, and offers to customers based on their specific needs during critical moments. By leveraging the vast amounts of available data and incorporating advanced sensing capabilities, Flybits allows financial institutions to enhance customer engagement while maintaining privacy. It empowers these institutions to design, launch, and evaluate data-driven consumer experiences, thereby fostering stronger relationships between individuals and their banks. The company is recognized for its innovative approach to contextual experiences, making it a leader in customer experience solutions for financial services.

Qover is an insurtech company that specializes in providing a technology-driven platform for insurance services. Its modular embedded insurance orchestration platform allows companies and insurance providers to deliver seamless insurance experiences to over 4 million users across 32 European countries. The platform features a digital infrastructure that facilitates the management of quotes, claims, and contracts through an application programming interface (API), making it adaptable to various products, countries, and insurers. Qover collaborates with established partners such as Revolut, Monzo, Deliveroo, NIO, and Canyon to enhance their insurance offerings.

Borrowell Inc. is a financial technology company based in Toronto, Canada, founded in 2014. It specializes in offering a range of financial products and services, including personal loans, credit cards, and free credit scores. Borrowell operates an online marketplace-lending platform that provides Canadians with access to borrowing options and unsecured consumer loans. The company is dedicated to enhancing financial prosperity for its users by offering tools for credit education, personalized credit coaching, and AI-driven recommendations for financial products. By delivering resources such as credit monitoring and tailored options from marketplace partners, Borrowell aims to help customers secure low-interest loans and improve their overall financial well-being.

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

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

Hellas Direct is a Cyprus-based digital-first insurance company that leverages advanced technology and artificial intelligence to transform the insurance industry. The company offers a range of insurance products, including car, motorcycle, and home insurance, by utilizing algorithms and advanced analytics to provide competitive pricing. By focusing on operational excellence, Hellas Direct aims to streamline the insurance process, making it simpler and more accessible for clients. With a mission to disrupt the traditional insurance value chain, Hellas Direct adopts a customer-centric approach, ensuring that clients receive the best possible offers tailored to their needs.

Magnifi is an online investing platform that provides AI-driven assistance to investors, aiming to simplify the investment process for both newcomers and experienced individuals. The platform features an investment search engine that allows users to explore a marketplace of over 15,000 investment options, including stocks, mutual funds, and ETFs, tailored to their personal financial goals. Magnifi's AI assistant helps users make informed decisions and reduces the apprehensions associated with investing. Additionally, investors can compare and analyze multiple investment options side-by-side and connect various brokerage accounts to manage their entire portfolio in one place. The company is headquartered in Hong Kong, with an office in Ho Chi Minh City, Vietnam.

Intropic Limited, incorporated in 2018 and based in London, United Kingdom, specializes in providing data refineries tailored for investment management firms. The company has developed a platform that focuses on mapping and cleaning data from various sources, addressing the challenges of data bottlenecks and inefficiencies. By integrating cloud computation services and advanced data engineering, Intropic enables clients to structure their data effectively, incorporate specific insights, and unlock the full potential of their information.