Propel

Founded in 2020, Azos is a Brazilian insurtech company headquartered in Sao Paulo. It specializes in providing life insurance products, including coverage for death, serious illnesses, accidental disability, and funeral assistance.

Surus is a platform designed for the future of finance, operating as a licensed financial institution. It specializes in institutional-grade asset management, custody services, and compliance solutions.

Akua is a technology company specializing in payment processing solutions for businesses in Latin America. It operates an "acquiring-as-a-service" platform that provides secure, efficient, and scalable payment processing services. The platform enables businesses to accept card payments using a single application programming interface, offering advanced transaction processing, fraud prevention, regional integration, data analytics, and comprehensive reporting features. Akua aims to address the challenges posed by the dominance of outdated systems and limited adoption of new payment technologies in the region's acquiring card payment markets.

Founded in March 2020 by Cristóbal Griffero and Lukas Zorich, Fintoc is a financial technology company based in Santiago, Chile. It offers an API that enables online businesses to accept instant payments directly from customers' bank accounts, facilitating digital payment processing, recurring charges, and automated reconciliation.

Parcha is an AI-powered enterprise software that enables businesses to automate their scale compliance and operations.

Web 3.0 infrastructure startup

Truora is a technology company that provides identity verification, background checks, and onboarding automation through a cloud platform. Its solutions use optical character recognition for document validation, facial recognition for real-time user validation, and identity management to support KYC processes, enabling secure onboarding for retailers, banks, HR firms, and marketplaces. The company serves startups, marketplaces, fintechs, and banks seeking to reduce risk and verify relationships with users, customers, employees, and suppliers, and also offers a business chatbot platform to simplify onboarding, deliver personalized service, and improve sales and marketing efficiency via social media. Founded in 2018, Truora is based in San Francisco with additional offices in Colombia, Mexico, and Brazil.

Kamino is a comprehensive financial management platform tailored for medium-sized businesses in Brazil. It offers embedded B2B payments, real-time data access, and a rigorous approval system for secure payment processing. By automating accounts payable and reconciliation, Kamino has significantly saved businesses time and improved operational efficiency.

Chipper, Inc. is a student loan management application that assists users in analyzing, managing, and repaying their student debt. The platform aims to lower payments, qualify for loan forgiveness, and expedite debt repayment for its users. Founded in 2017 in Austin, Texas, Chipper focuses on creating modern financial solutions for a generation facing significant challenges related to student debt. The company strives to empower students by providing tools that simplify their financial management and enhance their ability to navigate the complexities of student loans.

Founded in Brazil in 2016, Neon is a leading fintech offering digital banking services. It provides debit and credit cards with no annual fees, personal loans, payroll loans, investments, cashback on debit transactions, and various payment methods. Neon also supports micro-entrepreneurs through MEI Fácil. With over 15 million customers and 1600 employees, Neon has seen significant revenue growth.

ScanPay is used to accept payments from customers using a smartphone. They allow their users to collect digital payments, get payouts instantly, and create professional invoices. They offer multiple payment options to customers to accept payments without a card reader.

Founded in 2020, Azos is a Brazilian insurtech company headquartered in Sao Paulo. It specializes in providing life insurance products, including coverage for death, serious illnesses, accidental disability, and funeral assistance.

Founded in 2017, Groww is a user-friendly investment platform that simplifies mutual fund investments. It offers direct access to mutual funds, gold, and US stocks, along with insights on personal finance. The platform leverages data science to provide transparent, paperless investing experiences.

Noh is a Latin American neobank that focuses on shared financial experiences for couples and groups. It offers a shared digital wallet, a prepaid Visa card, and integration with Brazil’s Pix and boleto payment systems. The platform automatically splits bills and allows joint account management, enabling users to pay together and invest collectively. Launched in 2022, Noh pioneered Brazil’s first multiplayer neobank and shared card, aiming to simplify shared payments and promote equality in relationships.

TrustLayer is an insurtech solutions company that specializes in automating the verification of insurance and compliance documents through the use of machine learning and artificial intelligence. By leveraging robotic process automation tools, TrustLayer aims to eliminate error-prone manual processes, streamline workflows, and enhance insurance compliance for its clients. The company's platform enables real-time tracking and verification of insurance certificates and other essential business documents, making it particularly valuable for organizations in industries such as construction and property management. TrustLayer's technology facilitates increased vendor compliance and supports multiple use cases, significantly reducing organizational risk and operational friction between businesses.

Guideline is a retirement plan technology company that automates the administration and compliance of employer-sponsored 401(k) plans. It provides an online platform that covers plan design and setup, enrollment and education, administration and recordkeeping, compliance and reporting, and investment management, integrating participants' financial information to offer ongoing recommendations. The platform handles payroll integration and streamlined workflow for small and growing businesses, with transparent pricing based on a flat fee per participant rather than asset-based charges. Founded in 2015, Guideline is headquartered in San Mateo, California, with an additional office in Portland, Maine.

Embed provides modern securities execution, clearing, settlement, and custody APIs for fintechs, broker-dealers, RIAs, banks, and trust companies.

Founded in 2017, Groww is a user-friendly investment platform that simplifies mutual fund investments. It offers direct access to mutual funds, gold, and US stocks, along with insights on personal finance. The platform leverages data science to provide transparent, paperless investing experiences.

Ease is a San Francisco-based company founded in 2012 by Courtney Guertin and David A. Reid, dedicated to modernizing and personalizing the employee experience. The company offers a cloud-based platform that simplifies benefits enrollment, HR management, and payroll processes for businesses. Ease provides a single solution for setting up and managing benefits, onboarding new hires, ensuring compliance, and offering employees a unified destination for all their human resources information. With over 70,000 businesses trusting Ease for online enrollment and HR services, the company has been recognized for its growth and popularity in the industry.

TrustLayer is an insurtech solutions company that specializes in automating the verification of insurance and compliance documents through the use of machine learning and artificial intelligence. By leveraging robotic process automation tools, TrustLayer aims to eliminate error-prone manual processes, streamline workflows, and enhance insurance compliance for its clients. The company's platform enables real-time tracking and verification of insurance certificates and other essential business documents, making it particularly valuable for organizations in industries such as construction and property management. TrustLayer's technology facilitates increased vendor compliance and supports multiple use cases, significantly reducing organizational risk and operational friction between businesses.

Paceline is bringing together the worlds of health & wellness and financial services to change the nature of preventive health in society. We’re building a best-in-class fitness rewards platform and innovative financial ecosystem, powered by physical activity, with the goal of helping people live longer, healthier, and better lives.

Founded in 2020, Azos is a Brazilian insurtech company headquartered in Sao Paulo. It specializes in providing life insurance products, including coverage for death, serious illnesses, accidental disability, and funeral assistance.

Founded in 2017, Groww is a user-friendly investment platform that simplifies mutual fund investments. It offers direct access to mutual funds, gold, and US stocks, along with insights on personal finance. The platform leverages data science to provide transparent, paperless investing experiences.

Tierra operates a geographic data insights platform focused on analyzing security data to address issues of crime and violence in Latin America. By integrating governmental and corporate data, the company processes extensive datasets to provide valuable insights that help businesses and governments make informed decisions regarding safety. Tierra's platform enables clients to evaluate and manage risks associated with crime and violence at specific locations, thereby enhancing their understanding of the socio-economic impacts of these issues.

Founded in Brazil in 2016, Neon is a leading fintech offering digital banking services. It provides debit and credit cards with no annual fees, personal loans, payroll loans, investments, cashback on debit transactions, and various payment methods. Neon also supports micro-entrepreneurs through MEI Fácil. With over 15 million customers and 1600 employees, Neon has seen significant revenue growth.

Guideline is a retirement plan technology company that automates the administration and compliance of employer-sponsored 401(k) plans. It provides an online platform that covers plan design and setup, enrollment and education, administration and recordkeeping, compliance and reporting, and investment management, integrating participants' financial information to offer ongoing recommendations. The platform handles payroll integration and streamlined workflow for small and growing businesses, with transparent pricing based on a flat fee per participant rather than asset-based charges. Founded in 2015, Guideline is headquartered in San Mateo, California, with an additional office in Portland, Maine.

Huddl Inc., established in 2016 and headquartered in Santa Clara, California, operates in the artificial intelligence sector. The company's primary business is developing a mobile application that employs AI technology to facilitate real-time sharing of text messages during meetings, enhancing productivity and engagement among users.

Hippo Insurance offers innovative home insurance solutions, leveraging real-time data and smart home technology to enhance protection for homeowners. Headquartered in Palo Alto with offices in Texas, it provides comprehensive coverage, including electronics, appliances, water backup, and service line protection. Hippo operates as an insurance agent with products underwritten by various companies, serving over 80% of U.S. homeowners across 37 states.

Steady removes barriers to earn through its income intelligence that supports over 3 million hourly, 1099 and mixed-earners in earning more, an average of over $5,500 per year. Steady's view of income also applies its technology for purposes of income measurement that fills the wage data gap for public and private sector entities that service this worker population in areas such as the administration of public sector benefits. Steady was founded in 2017.

Trussle Lab Ltd, based in London, operates as an online mortgage broker, specializing in providing mortgage advice to first-time buyers and homeowners. Established in 2015, Trussle aims to simplify the mortgage process by moving it online, significantly reducing the time, hassle, and costs typically associated with securing a mortgage. The service is free for customers, with Trussle earning fees from lenders once a mortgage is successfully completed. As a trading style of Trussle Lab Ltd, the company is an appointed representative of Mortgage Advice Bureau Limited and is regulated by the Financial Conduct Authority. Utilizing automation and mortgage monitoring, Trussle effectively compares and tracks various mortgage products to help borrowers secure the most suitable deals for financing their homes.

Founded in Brazil in 2016, Neon is a leading fintech offering digital banking services. It provides debit and credit cards with no annual fees, personal loans, payroll loans, investments, cashback on debit transactions, and various payment methods. Neon also supports micro-entrepreneurs through MEI Fácil. With over 15 million customers and 1600 employees, Neon has seen significant revenue growth.

Drum is a gig economy platform that aims to enhance the lives of millions by facilitating the creation and management of sales forces for businesses. Launched in 2019, it allows companies to establish a sales presence more efficiently than traditional advertising methods. In addition to supporting businesses, Drum provides a comprehensive platform for creators, enabling them to engage with their followers and monetize their content. The platform offers in-app analytics that help creators sell both digital and physical products directly through their profiles, allowing them to focus on their creative endeavors while managing their sales effectively.

Kasisto, Inc. is a technology company that specializes in developing a conversational platform designed for financial institutions. Founded in 2013 and headquartered in New York, the company offers KAI, a digital experience platform that enables the creation of branded virtual assistants and chatbots. These intelligent solutions facilitate personalized customer interactions across various channels, including mobile apps, websites, messaging platforms, and voice-enabled devices. Kasisto's offerings include KAI Consumer Banking, which enhances user engagement; KAI Business Banking, providing immediate access to essential financial information and services; and KAI Investment Management, which assists customers in understanding their financial goals and needs. The company also supports clients through services such as planning, integration, testing, and ongoing improvement, thereby enhancing customer experiences in the financial sector.

ChargeAfter Ltd is a financing platform founded in 2017, headquartered in Ramat Gan, Israel, with additional offices in Sunnyvale, California, and New York, New York. The company specializes in connecting retailers with multiple lenders to provide consumers with personalized, responsible financing options at the point of sale. Its platform utilizes a data-driven decisioning engine to streamline the approval process, enabling merchants to deliver relevant financing offers based on individual credit profiles. ChargeAfter's solution allows retailers to implement financing options quickly across both online and in-store channels, enhancing customer experiences while improving conversion rates and average order value. The platform also features an easy-to-use merchant dashboard, detailed transaction reporting, and options for white-label integration, thereby supporting lenders in expanding their reach within new retail markets.

Conekta is a company that specializes in creating an online payment platform aimed at enhancing the security and efficiency of banking processes. Utilizing artificial intelligence, Conekta's platform integrates application programming interfaces to facilitate both online and offline payment transactions. This technology enables financial institutions to analyze transaction behavior, helping to identify and mitigate fraudulent activities. Additionally, Conekta's services are designed to be PCI-DSS certified, ensuring that banking and financial information is encrypted and safeguarded. By providing a secure environment for processing payments through various methods such as cards, cash, or bank transfers, Conekta allows businesses to accept payments simply and safely.

Ease is a San Francisco-based company founded in 2012 by Courtney Guertin and David A. Reid, dedicated to modernizing and personalizing the employee experience. The company offers a cloud-based platform that simplifies benefits enrollment, HR management, and payroll processes for businesses. Ease provides a single solution for setting up and managing benefits, onboarding new hires, ensuring compliance, and offering employees a unified destination for all their human resources information. With over 70,000 businesses trusting Ease for online enrollment and HR services, the company has been recognized for its growth and popularity in the industry.

Datasine is a company that specializes in enhancing creative marketing through artificial intelligence and data insights. It has developed a personality data platform that helps businesses build meaningful relationships with their customers. By analyzing psychometric and biographical data, Datasine creates detailed behavioral and risk profiles for each customer. This approach provides enterprises with actionable insights that can significantly improve their customer experience. The company's innovative use of AI allows for the combination of creative strategies with data-driven analysis, enabling businesses to understand what works, what does not, and how to optimize their marketing efforts effectively.

Founded in 2017, Groww is a user-friendly investment platform that simplifies mutual fund investments. It offers direct access to mutual funds, gold, and US stocks, along with insights on personal finance. The platform leverages data science to provide transparent, paperless investing experiences.

Grabango develops checkout-free technology for existing brick-and-mortar stores, combining cameras, shelf sensors, and computer vision to identify items as they are picked up, count them, and add purchases to a virtual basket. Shoppers pay with a registered method on their smartphone and leave the store without waiting in line, with a receipt sent to their phone after exit. The system retrofits stores from convenience to large grocers, does not use facial recognition, and keeps data anonymized to protect privacy. Grabango was founded in 2016 and is based in Berkeley, California.

Guideline is a retirement plan technology company that automates the administration and compliance of employer-sponsored 401(k) plans. It provides an online platform that covers plan design and setup, enrollment and education, administration and recordkeeping, compliance and reporting, and investment management, integrating participants' financial information to offer ongoing recommendations. The platform handles payroll integration and streamlined workflow for small and growing businesses, with transparent pricing based on a flat fee per participant rather than asset-based charges. Founded in 2015, Guideline is headquartered in San Mateo, California, with an additional office in Portland, Maine.

Charlie Finance Co. is a financial services company established in 2016 and headquartered in San Francisco, California. The company specializes in developing a text message application designed to simplify personal finance for users. By monitoring transactions, the application identifies opportunities for savings, helps reduce expenses, and provides insights into spending habits. Additionally, it alerts users to significant financial matters, enabling them to manage their finances more effectively and reduce debt. Through its innovative approach, Charlie Finance aims to assist ordinary Americans in achieving greater financial stability and peace of mind.

Steady removes barriers to earn through its income intelligence that supports over 3 million hourly, 1099 and mixed-earners in earning more, an average of over $5,500 per year. Steady's view of income also applies its technology for purposes of income measurement that fills the wage data gap for public and private sector entities that service this worker population in areas such as the administration of public sector benefits. Steady was founded in 2017.

Trussle Lab Ltd, based in London, operates as an online mortgage broker, specializing in providing mortgage advice to first-time buyers and homeowners. Established in 2015, Trussle aims to simplify the mortgage process by moving it online, significantly reducing the time, hassle, and costs typically associated with securing a mortgage. The service is free for customers, with Trussle earning fees from lenders once a mortgage is successfully completed. As a trading style of Trussle Lab Ltd, the company is an appointed representative of Mortgage Advice Bureau Limited and is regulated by the Financial Conduct Authority. Utilizing automation and mortgage monitoring, Trussle effectively compares and tracks various mortgage products to help borrowers secure the most suitable deals for financing their homes.

Founded in Brazil in 2016, Neon is a leading fintech offering digital banking services. It provides debit and credit cards with no annual fees, personal loans, payroll loans, investments, cashback on debit transactions, and various payment methods. Neon also supports micro-entrepreneurs through MEI Fácil. With over 15 million customers and 1600 employees, Neon has seen significant revenue growth.

Outpatient App is a digital health platform that focuses on medical task management and care coordination for families, healthcare professionals, health systems, and military medical services. It offers features such as scheduling, messaging, task assignments, and automatic notifications, all within a user-friendly interface. The platform is designed to be private, secure, and HIPAA compliant, ensuring accessibility from any mobile device or desktop globally. Initially aimed at families, Outpatient App has expanded its customer base to include large health systems and military medical services, such as the US Air Force. The app streamlines medical operations and enhances communication, ultimately improving efficiency and personalized care in diverse healthcare environments.

Kasisto, Inc. is a technology company that specializes in developing a conversational platform designed for financial institutions. Founded in 2013 and headquartered in New York, the company offers KAI, a digital experience platform that enables the creation of branded virtual assistants and chatbots. These intelligent solutions facilitate personalized customer interactions across various channels, including mobile apps, websites, messaging platforms, and voice-enabled devices. Kasisto's offerings include KAI Consumer Banking, which enhances user engagement; KAI Business Banking, providing immediate access to essential financial information and services; and KAI Investment Management, which assists customers in understanding their financial goals and needs. The company also supports clients through services such as planning, integration, testing, and ongoing improvement, thereby enhancing customer experiences in the financial sector.

Founded in 2009, Taulia develops AI-driven supply chain management software. It offers dynamic discounting, cash forecasting, invoice automation, supplier management solutions for buyers, and early payment, e-invoicing services for suppliers. With strategic alliances like KPMG, Taulia operates globally with offices across North America, Europe, and Australia.

TravelBank is a comprehensive business travel and expense management platform serving over 20,000 companies. It empowers businesses to control their travel programs effectively, achieving an average reduction of 30% in travel spend. The platform enhances employee satisfaction through its intuitive design and travel rewards program. Companies can easily create and implement custom travel policies, setting a baseline for travel expenditures. TravelBank offers round-the-clock concierge-level support via phone, email, or chat, ensuring continuous assistance from an in-house customer success team.

Ease is a San Francisco-based company founded in 2012 by Courtney Guertin and David A. Reid, dedicated to modernizing and personalizing the employee experience. The company offers a cloud-based platform that simplifies benefits enrollment, HR management, and payroll processes for businesses. Ease provides a single solution for setting up and managing benefits, onboarding new hires, ensuring compliance, and offering employees a unified destination for all their human resources information. With over 70,000 businesses trusting Ease for online enrollment and HR services, the company has been recognized for its growth and popularity in the industry.

Kasisto, Inc. is a technology company that specializes in developing a conversational platform designed for financial institutions. Founded in 2013 and headquartered in New York, the company offers KAI, a digital experience platform that enables the creation of branded virtual assistants and chatbots. These intelligent solutions facilitate personalized customer interactions across various channels, including mobile apps, websites, messaging platforms, and voice-enabled devices. Kasisto's offerings include KAI Consumer Banking, which enhances user engagement; KAI Business Banking, providing immediate access to essential financial information and services; and KAI Investment Management, which assists customers in understanding their financial goals and needs. The company also supports clients through services such as planning, integration, testing, and ongoing improvement, thereby enhancing customer experiences in the financial sector.

Hippo Insurance offers innovative home insurance solutions, leveraging real-time data and smart home technology to enhance protection for homeowners. Headquartered in Palo Alto with offices in Texas, it provides comprehensive coverage, including electronics, appliances, water backup, and service line protection. Hippo operates as an insurance agent with products underwritten by various companies, serving over 80% of U.S. homeowners across 37 states.

Hixme is an insurtech company that provides a platform for mid-market businesses to transition from traditional group health insurance plans to individual health insurance options, offering potential savings of 10-20% on healthcare costs. The company's platform facilitates the integration of medical insurance with supplemental coverage and financial features, such as bill settlement and gap financing. This approach allows employees and their families to select personalized insurance coverage that they can own, addressing the need for customized health benefits in a climate of rising healthcare expenses. Hixme is supported by notable investors, including Kleiner Perkins and Transamerica Ventures.

Brave Software Inc., founded in 2014 and based in San Francisco, California, develops internet security software with a focus on enhancing browsing speed and safety for users. The company offers a privacy-oriented web browser that blocks invasive advertisements and online trackers while providing a streamlined browsing experience. Brave aims to transform the online advertising ecosystem through a blockchain-based digital advertising platform that utilizes micropayments and a novel revenue-sharing model. This approach enables content creators to increase their revenue share and offers users a less cluttered web experience. Ultimately, Brave Software seeks to create a safer and more efficient online environment that benefits users, publishers, and advertisers alike.

Guideline is a retirement plan technology company that automates the administration and compliance of employer-sponsored 401(k) plans. It provides an online platform that covers plan design and setup, enrollment and education, administration and recordkeeping, compliance and reporting, and investment management, integrating participants' financial information to offer ongoing recommendations. The platform handles payroll integration and streamlined workflow for small and growing businesses, with transparent pricing based on a flat fee per participant rather than asset-based charges. Founded in 2015, Guideline is headquartered in San Mateo, California, with an additional office in Portland, Maine.

Modal is a San Francisco-based company that specializes in digital commerce solutions for the automotive industry. Founded in 2015, Modal develops platforms that streamline the car-buying process, making it seamless and frictionless. Their primary product, also named Modal, allows auto dealers and brands to integrate digital transactions directly into their existing websites and showrooms. This transparent transaction layer fits into a merchant's current experience, providing an interactive window for focused interactions while maintaining orientation within the original interface. The company is backed by notable investors and employs leaders from top technology companies, aiming to redefine auto ownership through innovative commerce, design, and technology expertise.

Founded in 2015, Civic Technologies offers secure identity verification and payment solutions via mobile applications for iOS and Android users. Its blockchain-based ecosystem empowers individuals to control their identities securely across multiple platforms.

Earnest Operations LLC is a financial services company based in San Francisco, California, that specializes in student loan refinancing, private student loans, and personal loans. Founded in 2013, the company aims to simplify the loan process for responsible borrowers by utilizing advanced technology that evaluates more than just credit scores, incorporating factors such as education, savings habits, and career paths. Earnest offers a range of private student loans, including options for undergraduate, graduate, medical, and law school, as well as personal loans for purposes like credit card consolidation, home improvement, and weddings. Since its inception, Earnest has expanded significantly, distributing nearly $2 billion in student loans by 2017. In that year, it was acquired by Navient Corporation, which maintains Earnest as a distinct brand while providing operational support. The company serves clients in 45 states and the District of Columbia, providing an online platform for loan management and customer service.

Founded in 2005, Prosper Marketplace is a leading online lending platform that connects borrowers with investors. It facilitates fixed-rate, unsecured personal loans through its transparent marketplace, benefiting both parties financially and socially.

Founded in 2012, Coinbase operates a platform enabling merchants and consumers to buy, sell, and store cryptocurrencies like Bitcoin, Ethereum, and Litecoin. It offers products such as Coinbase Wallet, USD Coin, Coinbase Pro, and custody services. The company is headquartered in San Francisco.

Personal Capital Corporation is a digital wealth management company that offers financial advisory services and innovative software solutions to help individuals manage their finances effectively. Founded in 2009 and headquartered in Redwood Shores, California, the company provides tools that allow users to monitor income, spending, and investment performance in one place. Its services include wealth management, personalized financial planning, risk assessments, and investment checkup tools. With a user base exceeding 2.5 million customers, Personal Capital combines advanced technology with expert guidance from registered investment advisors to deliver customized financial strategies aligned with clients' goals. Originally known as SafeCorp Financial Corp., the company rebranded to Personal Capital in June 2010, reflecting its commitment to enhancing personal financial management through technology.

DocuSign provides cloud-based software that enables organizations to prepare, execute, and manage agreements electronically. Its platform delivers e-signature functionality and an end-to-end Agreement Cloud that automates the entire contract process, from generation and routing to signing, storage, and analytics. Additional capabilities include AI-powered insights for contract search, Salesforce integrations for generating and negotiating documents, and tools for guided forms, identity verification, and digital signatures with certificates, as well as payments. Industry-specific offerings include Rooms for Real Estate and Rooms for Mortgage, and a FedRAMP-authorized eSignature for U.S. federal agencies, supporting compliance for regulated industries. The company serves enterprise, commercial, and small-business customers across sectors such as professional services, finance, technology, life sciences, real estate, and government, with global reach. Founded in 2003, the company is headquartered in San Francisco.

Founded in 2009, Taulia develops AI-driven supply chain management software. It offers dynamic discounting, cash forecasting, invoice automation, supplier management solutions for buyers, and early payment, e-invoicing services for suppliers. With strategic alliances like KPMG, Taulia operates globally with offices across North America, Europe, and Australia.

Aura Financial Corporation, established in 2014 and based in San Francisco, operates as a technology-driven community development financial institution. It specializes in providing fair, affordable loans to working families in America, with a mission to build financially healthy low-income communities. Aura uses proprietary scoring algorithms to assess and approve credit applications, offering free credit scores and personalized expense management guidance to borrowers. This enables the underbanked and unbanked to access loans in a simplified manner.