Restive Ventures

Surus is a California-based financial services provider that operates as a licensed and regulated financial institution. The company specializes in institutional-grade asset management, custody, and compliance, focusing on innovative solutions for the future of finance. Currently, Surus is operating in stealth mode, indicating a commitment to developing its offerings without public exposure.

BlueQubit is a quantum computing technology company that develops software and algorithms tailored for quantum computers. Its mission is to harness the principles of quantum mechanics to address complex challenges that exceed the capabilities of traditional computing. The company specializes in creating a universal software library for quantum computing, and offers operating systems specifically designed for gate-based quantum algorithms. Through its innovative platform, BlueQubit enables various industries—including finance, pharmaceuticals, logistics, and materials science—to optimize processes and enhance problem-solving capabilities. The company’s focus on developing cutting-edge quantum solutions positions it as a key player in the evolving landscape of quantum technology.

Diesta is a company focused on developing payment software specifically for the insurance industry. Its solutions aim to modernize the flow of funds by automating the reconciliation and distribution of insurance payments. The software integrates internal systems with external partners onto a unified financial ledger, ensuring efficient processing of insurance premiums. This innovation allows clients in the insurance sector to achieve greater transparency, reduce administrative costs, and facilitate quicker payments, ultimately enhancing their revenue potential.

Brico is a licensing platform designed to assist companies in acquiring new financial licenses and managing their ongoing licensing requirements. The company aims to simplify the complex and often expensive process of obtaining these licenses by leveraging automation and potentially artificial intelligence. By streamlining this process, Brico enables its customers to navigate the regulatory landscape more efficiently, fostering innovation and competition within the financial sector.

Frich is a social finance application aimed at empowering Generation Z to manage their personal finances collaboratively. The platform enables users to set spending goals and participate in savings challenges with friends, integrating elements of gamification and social media to enhance user engagement. By tracking social spending and providing rewards for achieving financial objectives, Frich helps its users make informed financial decisions and improve their overall financial well-being. The app fosters a community-driven approach to finance, making the process of managing money more interactive and enjoyable.

Diesta is a company focused on developing payment software specifically for the insurance industry. Its solutions aim to modernize the flow of funds by automating the reconciliation and distribution of insurance payments. The software integrates internal systems with external partners onto a unified financial ledger, ensuring efficient processing of insurance premiums. This innovation allows clients in the insurance sector to achieve greater transparency, reduce administrative costs, and facilitate quicker payments, ultimately enhancing their revenue potential.

Maza is a mobile application that operates as a digital bank, providing a range of modern banking services. The company offers users access to savings accounts, NFC-enabled prepaid cards for both online and offline transactions, as well as bill payment and money transfer services. Maza aims to deliver a seamless banking experience, allowing users to manage their finances efficiently while maximizing their savings. Through its innovative approach, the company seeks to enhance the way individuals engage with their financial products and services.

Liquido operates as a digital payment solutions provider, specializing in turn-key solutions tailored for the Latin American markets. Its platform facilitates instant transactions, offers cross-border technical support, and enables seamless pay-in and pay-out services, empowering clients to efficiently manage their payment processes both locally and globally.

Daylight is a digital banking platform based in West Hollywood, California, specifically designed for the LGBTQ+ community. Founded in 2020, Daylight offers a range of services including prepaid cards, financial tools, and advice tailored to the unique needs of its members. The platform not only facilitates smarter financial habits but also provides cashback rewards for spending at queer bars and allied businesses. By fostering a supportive community, Daylight aims to empower individuals to navigate the financial system effectively and build a secure future without compromise.

AiPrise is a global platform specializing in customer identity verification and KYC orchestration. The company offers a comprehensive solution that integrates identity verification and fraud detection APIs, allowing businesses to tailor their identity management processes. AiPrise's platform facilitates KYC onboarding through regionalized processes, enhancing customer experience and minimizing drop-offs. With a robust workflow engine, it assists fintech and cryptocurrency companies in making informed identity decisions by leveraging attributes such as phone, email, device data, and government lookups. By enabling businesses to customize their verification workflows, AiPrise effectively aids in preventing fraud during the onboarding process.

Decaf is a digital payment platform that specializes in facilitating secure and transparent cryptocurrency transactions. By leveraging advanced blockchain technology, Decaf enables users to send and receive payments within seconds, significantly reducing transaction times compared to traditional methods. The platform features an easy-to-use digital wallet and point of sale infrastructure, allowing businesses to effortlessly accept and convert various cryptocurrencies. With its commitment to immutability and security, Decaf ensures that every transaction is accurately recorded on the blockchain, providing users with confidence in their financial activities.

Power is a financial technology company specializing in providing credit card programs tailored for businesses, particularly high-growth brands. Founded by Randy Fernando and Andrew Dust, Power utilizes a cloud-native issuance platform to offer modern co-branded credit cards. The company's technology focuses on enhancing the connection between retailers and their customers through embedded banking experiences, enabling brands to build, launch, and scale customer-centric financial products efficiently.

FairPlay is a company that offers fairness solutions for financial institutions, focusing on integrating fairness into AI decision-making processes to help clients assess and mitigate algorithmic bias in their models. The platform provides tools for automated fair lending analysis, allowing financial institutions to evaluate their decision-making frameworks against regulatory standards. FairPlay AI also helps organizations identify potential biases in their algorithms, ensuring compliance with fair lending regulations while promoting equitable outcomes in financial services. By leveraging data-driven insights, FairPlay AI enables clients to enhance their decision-making processes and foster greater transparency in their operations.

Ivella is a developer of banking and financial applications tailored specifically for couples. The company offers products designed to facilitate the management of joint finances, enabling users to maintain shared checking accounts and track expenses effectively. Ivella's application provides features that protect against unplanned withdrawals, ensuring that both partners can monitor their account balances. It enables couples to see transaction details, understand how to split costs, and track individual contributions towards shared expenses. This focus on joint financial management aims to simplify the complexities of managing finances in a relationship.

Addition Wealth is a financial wellness platform focused on empowering employees to make informed financial decisions. The company utilizes a technology-driven approach that integrates digital tools, online events, expert content, and access to financial professionals. By partnering with progressive employers, Addition Wealth aims to enhance financial literacy and provide employees with personalized financial expertise. The platform offers customized resources, community events, and interactive guides, fostering an inclusive environment where employees can effectively manage their finances and make sound financial choices.

Canary is a financial services company founded in 2021 and based in New York, focused on providing funding solutions for individuals experiencing financial hardship. Through its innovative grant-making platform, Grant Circle, Canary enables employees to access emergency grants to alleviate unexpected financial challenges that affect their ability to meet basic living expenses, such as rent, utilities, and food. The company aims to create a social safety net that enhances the availability of emergency funds in workplaces and beyond. By collaborating with various organizations, including Visionworks and Harvard Business Publishing, Canary helps ensure that individuals in distress can receive timely financial support, thereby improving overall financial health and contributing to research and policy development in the field.

FarmRaise Inc. is a digital platform established in 2020, based in San Francisco, California, aimed at supporting farmers and ranchers in accessing financial resources for on-farm improvements. The platform connects users with various funding opportunities, including grants, loans, cost-sharing programs, and disaster relief options, facilitating the application process for federal and state-specific programs. Additionally, FarmRaise offers financial consulting services and business management tools designed to help farmers track cash flow, enhance profitability, and plan for long-term sustainability. By providing these resources, FarmRaise seeks to empower farmers to unlock capital and improve their operational efficiency.

Frich is a social finance application aimed at empowering Generation Z to manage their personal finances collaboratively. The platform enables users to set spending goals and participate in savings challenges with friends, integrating elements of gamification and social media to enhance user engagement. By tracking social spending and providing rewards for achieving financial objectives, Frich helps its users make informed financial decisions and improve their overall financial well-being. The app fosters a community-driven approach to finance, making the process of managing money more interactive and enjoyable.

FairPlay is a company that offers fairness solutions for financial institutions, focusing on integrating fairness into AI decision-making processes to help clients assess and mitigate algorithmic bias in their models. The platform provides tools for automated fair lending analysis, allowing financial institutions to evaluate their decision-making frameworks against regulatory standards. FairPlay AI also helps organizations identify potential biases in their algorithms, ensuring compliance with fair lending regulations while promoting equitable outcomes in financial services. By leveraging data-driven insights, FairPlay AI enables clients to enhance their decision-making processes and foster greater transparency in their operations.

Telivy is a company dedicated to helping businesses enhance their cybersecurity measures in response to the growing threat of cyberattacks. The company offers a comprehensive platform that facilitates the creation of digital cyber applications and provides insurers with streamlined workflows for quoting and coverage assessment. Their services include generating tailored insurance quotes, highlighting essential coverage details, and offering benchmarking and marketing summaries. Additionally, Telivy specializes in remediation solutions that equip organizations with specific steps to mitigate risks. By focusing on both cybersecurity solutions and insurance, Telivy assists companies in navigating the complexities of securing suitable cyber insurance coverage and implementing effective protective measures.

Copper Banking is a financial education platform designed to empower teenagers with essential money management skills and financial literacy. Founded with the goal of providing real-world financial experiences, it offers a mobile app and debit card that allow teens to manage their finances in a supervised environment. The platform facilitates money transfers, direct deposits, and payments, making it easy for users to engage in everyday transactions. Additionally, Copper Banking connects parents and teens, fostering discussions around financial responsibility. Users benefit from exclusive content curated by financial literacy experts, who provide valuable insights and advice to help them make informed financial decisions and work towards achieving financial independence.

HoneyBee is a Certified Benefit Corporation dedicated to alleviating financial insecurity in the workplace. The company offers a financial wellness platform that provides employees with no-cost emergency funds through its Rainy Day Coverage, alongside bilingual on-demand financial counseling. By addressing key financial challenges such as student loans, savings, budgeting, debt management, and credit building, HoneyBee aims to enhance the financial health of employees. This comprehensive approach not only supports the financial needs of the modern workforce but also helps employers attract and retain talent by fostering a financially secure work environment.

Agentero Inc., established in 2017 with headquarters in Oakland, California, develops an online application designed to streamline insurance policy management for independent agents. The platform enables agents to monitor clients, cross-sell and up-sell policies, while offering policyholders tools to manage their insurance policies directly. Agentero's technology also facilitates access to modern carriers, enhancing agents' ability to identify customer needs and provide tailored quotes efficiently. With additional offices in Nashville, Tennessee, and Madrid, Spain, the company aims to create a smarter, more intuitive insurance ecosystem by empowering agents to offer suitable insurance products at the right time.

Ivella is a developer of banking and financial applications tailored specifically for couples. The company offers products designed to facilitate the management of joint finances, enabling users to maintain shared checking accounts and track expenses effectively. Ivella's application provides features that protect against unplanned withdrawals, ensuring that both partners can monitor their account balances. It enables couples to see transaction details, understand how to split costs, and track individual contributions towards shared expenses. This focus on joint financial management aims to simplify the complexities of managing finances in a relationship.

Daylight is a digital banking platform based in West Hollywood, California, specifically designed for the LGBTQ+ community. Founded in 2020, Daylight offers a range of services including prepaid cards, financial tools, and advice tailored to the unique needs of its members. The platform not only facilitates smarter financial habits but also provides cashback rewards for spending at queer bars and allied businesses. By fostering a supportive community, Daylight aims to empower individuals to navigate the financial system effectively and build a secure future without compromise.

SnoutID is a digital platform that pays veterinary practices in real time. In 48 hours, they can have automated records retrieval processes, touch-free checkins, payment processing, and loan options for their veterinary practice. SnoutID also provides a complete medical history for their patient as well as customized, digitally signed forms. Its mission is to ensure that no pet parent ever has to make a health decision based on the amount of money in their bank account. Snout enables veterinarians to provide high-quality care to all pets.

Pakt is a financial services company that specializes in embedded insurance products, aiming to simplify the insurance purchasing process. The company offers a membership-based insurance structure, complemented by an API that streamlines sign-up procedures by eliminating unnecessary questions and lengthy forms. This approach allows users to effectively generate recurring revenue from insurance services, enhancing accessibility and efficiency in the insurance market. Pakt's innovative platform seeks to integrate insurance offerings seamlessly across various online channels, making it easier for consumers to access essential coverage.

FarmRaise Inc. is a digital platform established in 2020, based in San Francisco, California, aimed at supporting farmers and ranchers in accessing financial resources for on-farm improvements. The platform connects users with various funding opportunities, including grants, loans, cost-sharing programs, and disaster relief options, facilitating the application process for federal and state-specific programs. Additionally, FarmRaise offers financial consulting services and business management tools designed to help farmers track cash flow, enhance profitability, and plan for long-term sustainability. By providing these resources, FarmRaise seeks to empower farmers to unlock capital and improve their operational efficiency.

Flannel is an interactive branding company. By telling their stories through engaging language and design, they assist organizations in clarifying their objectives and identities. They handle storytelling and branding with the integrity that graduate and undergraduate institutions demand.

Diro is a technology company that specializes in document verification and identity management. Its core product is a platform that captures original documents directly from their source, ensuring authenticity and mitigating fraud risks. This platform is particularly useful for banks and financial institutions, streamlining their Know Your Customer (KYC) and Anti-Money Laundering (AML) compliance processes. Additionally, Diro offers an Active Contacts platform, which crowdsources contacts for auto-organizing and self-updating directories, decentralizing identities and user management across different IT domains. This platform features card exchange, cloud backup, automatic de-duplication, privacy control, and peer-to-peer sharing using Distributed Ledger Technology (DLT).

FairPlay is a company that offers fairness solutions for financial institutions, focusing on integrating fairness into AI decision-making processes to help clients assess and mitigate algorithmic bias in their models. The platform provides tools for automated fair lending analysis, allowing financial institutions to evaluate their decision-making frameworks against regulatory standards. FairPlay AI also helps organizations identify potential biases in their algorithms, ensuring compliance with fair lending regulations while promoting equitable outcomes in financial services. By leveraging data-driven insights, FairPlay AI enables clients to enhance their decision-making processes and foster greater transparency in their operations.

NestEgg Online, Inc. is a Chicago-based company established in 2017 that specializes in developing property management software tailored for rental property owners. The company offers a comprehensive platform designed to simplify the management of rental properties, enabling landlords to automate rent collection, streamline maintenance, and handle administrative tasks efficiently. NestEgg's application connects property owners with trusted maintenance professionals, providing access to discounted rates and ensuring timely upkeep services. Additionally, the platform offers tools for property maintenance coordination and tenant finding, ultimately enhancing cash flow certainty for independent landlords and real estate professionals.

Point is focused on enhancing the debit card experience by integrating rewards and benefits traditionally associated with credit cards. The company aims to provide users with financial tools that facilitate better money management while offering incentives for everyday spending. By reimagining how debit cards function, Point seeks to deliver a more engaging and rewarding banking experience.

Anvil is an API-based paperwork automation platform that streamlines the digital document management process for businesses. It enables organizations to convert offline, paper-heavy workflows into simple online experiences, allowing non-developers to create secure online forms in a matter of hours. The platform ensures data accuracy by automatically validating information, thus minimizing errors in form completion and reducing the need for endless emails and attachments. By transforming existing paperwork into online workflows, Anvil facilitates efficient transactions and allows users to save their information for future use, enhancing productivity and simplifying the paperwork process.

NestEgg Online, Inc. is a Chicago-based company established in 2017 that specializes in developing property management software tailored for rental property owners. The company offers a comprehensive platform designed to simplify the management of rental properties, enabling landlords to automate rent collection, streamline maintenance, and handle administrative tasks efficiently. NestEgg's application connects property owners with trusted maintenance professionals, providing access to discounted rates and ensuring timely upkeep services. Additionally, the platform offers tools for property maintenance coordination and tenant finding, ultimately enhancing cash flow certainty for independent landlords and real estate professionals.

Copilot is a subscription-based personal finance tracking platform that offers users a comprehensive tool for managing their financial activities. The application aggregates financial data, creating custom categories for transactions and setting budgets tailored to individual needs. It provides daily snapshots of financial health, data-driven categorization, and tracks balances from one month to the next. Users receive monthly summaries of their income and expenses, along with features for budget rebalancing. Additionally, the platform employs machine learning to offer hyper-personalized insights, assisting users in managing recurring expenses by automatically detecting bills and subscriptions and integrating them into their budgeting process. This enables users to make informed decisions about spending, saving, and investing.

Atlas Labs, Inc. is a technology company that specializes in connecting patients with available medical aid programs to optimize financial assistance. Founded in 2015 and headquartered in San Francisco, California, the company focuses on streamlining patient enrollment in external programs to convert uncompensated care into revenue and reimbursements. Its platform alleviates the burden on financial counselors, reduces patient out-of-pocket expenses, and enhances revenue from third-party programs. Additionally, Atlas Labs organizes and indexes various medical aid programs from government, private, and provider sources, assisting patients in obtaining financial aid while ensuring that medical providers receive reimbursement for self-pay balances. Through its innovative solutions, Atlas Labs aims to improve compliance, enhance margins, and meet community healthcare needs effectively.

Digit, Inc. is a financial technology company based in San Francisco, California, that specializes in a mobile application designed to help users manage their finances effectively. Founded in 2012, the app analyzes users' spending habits and automatically saves a tailored amount of money each day, based on their income and expenditure patterns. By utilizing machine learning and insights from behavioral psychology, Digit aims to reduce the stress associated with financial management and assists users in building a secure financial future. The platform keeps savings in a separate account and adjusts the savings amount daily, helping users achieve their financial goals without requiring constant attention.

Harvest Platform helps consumers negotiate bank fees and get refunds automatically. Harvest Platform is an artificial intelligence startup that helps consumers identify and negotiate bank fees. Bank fees are a $100B industry annually that has become a massive painpoint for American consumers. However, many of these fees are negotiable. Harvest Platform leverages artificial intelligence to identify negotiable fees and automatically negotiates with banks at the click of a button. Harvest Platform currently supports automated negotiation with 5 of American's top 10 banks.

Joust, Inc. is a company based in Austin, Texas, that develops a real-time software platform designed for social competition. Founded in 2013, Joust connects users with their friends and engages them through a variety of interactive features, including challenges, contests, polls, surveys, predictions, and competitions across diverse topics such as sports, entertainment, and politics. The platform aims to foster social interaction and engagement by allowing users to share their interests and participate in friendly competition. Additionally, Joust provides business banking and merchant services tailored for the self-employed, utilizing a chartered community bank to address the financial needs of independent workers.

Everlance is a business expense management platform founded in 2015, serving over 2 million users. It simplifies mileage tracking, expense management, compliance, reporting, and reimbursement for businesses and independent workers. Everlance offers flexible program management options such as Fixed & Variable Rate (FAVR) and Cents Per Mile (CPM) reimbursements, along with risk management tools. Recognized as a Leader in Mileage Tracking by G2, the platform is renowned for its ease of use and customer service, boasting a #1 rating in the App Store.

Flex is a fintech startup focused on creating an online financial platform that facilitates flexible bill payments, starting with rent. The company provides a service that allows users to pay their rent according to a schedule that suits their financial situation, rather than adhering to a fixed payment date. This flexibility helps customers manage their finances more effectively by avoiding late fees and overdrafts, ultimately improving their budgeting capabilities. Additionally, Flex's platform simplifies the rent collection process for landlords and property managers, making it easier for them to receive payments on time. By offering these services, Flex aims to enhance financial well-being for renters while streamlining operations for property owners.

Sheltr is a company focused on simplifying home maintenance for homeowners, addressing the common frustrations associated with ongoing upkeep that often lead to costly repairs. Their innovative software platform offers an end-to-end solution that includes routine preventative maintenance tasks, such as replacing furnace filters and carbon detector batteries, as well as conducting home assessments and monitoring exterior conditions. By providing proactive recommendations for necessary home services, Sheltr enables contractors to minimize repair incidents and streamlines the booking and scheduling process for consumers. Additionally, Sheltr's services enhance customer engagement for partners, such as home insurers, by creating new revenue opportunities and helping to mitigate risks associated with neglected home maintenance.

Pillar Life is a digital platform established in 2018 and based in New York, New York, that focuses on helping families care for their aging loved ones. The platform allows users to organize and securely store vital information, including medical records, legal documents, and financial accounts, ensuring that families have access to essential data when needed. Pillar Life also offers personalized guidance for navigating the challenges of aging, facilitates secure collaboration among trusted family members and caregivers, and includes fraud monitoring tools designed to protect against scams and financial elder abuse. Co-founders Gilad Kahala and Michael Bloch aim to enhance the support system for families managing the complexities of elder care.

Corpay One is a spend management solution designed for small and medium-sized businesses, focusing on streamlining the bill payment process. The company leverages artificial intelligence and machine learning to automatically synchronize with accounting systems, allowing users to manage invoices and payments more efficiently. Through its platform, businesses can instantly receive and scan invoices simply by taking a photo of the bill, enhancing the speed and security of transactions. Founded in 2016 and headquartered in San Francisco, Corpay One aims to simplify financial management for its users by providing a clear overview of upcoming bills and facilitating prompt and accurate payments.

Point is a home equity investment platform that provides homeowners with an innovative way to unlock the wealth tied up in their properties. By allowing homeowners to sell small fractions of their home equity to investors, Point enables them to access funds without incurring additional debt. The platform employs a combination of on-site appraisals, third-party automated valuation models, and proprietary pricing algorithms to accurately determine property values and the potential investment amounts. This approach offers homeowners a new avenue to diversify their financial assets and achieve greater financial freedom.

Point is focused on enhancing the debit card experience by integrating rewards and benefits traditionally associated with credit cards. The company aims to provide users with financial tools that facilitate better money management while offering incentives for everyday spending. By reimagining how debit cards function, Point seeks to deliver a more engaging and rewarding banking experience.

Resolve Innovations, Inc., established in 2017 and headquartered in Oakland, California, operates a financial management platform. This platform enables users to explore and compare debt relief options, and facilitates connections with debt relief providers. Additionally, it offers tools to enhance credit scores, reduce expenses, increase income, manage and consolidate debt, lower interest rates, and negotiate with creditors. The company was founded by a team comprising financial advisors, debt experts, and technologists, aiming to provide accessible and unbiased assistance to individuals facing financial challenges.

Propel, Inc. is a software development company based in Brooklyn, New York, established in 2014. The company focuses on creating mobile applications aimed at improving the financial health of low-income Americans. Its primary product, Providers, is a free app designed for EBT cardholders, enabling them to manage their government benefits, such as SNAP and rental assistance. The app also helps users track their finances, save on essential purchases, and earn cash through various incentives. Propel's mission is to empower individuals by providing tools that facilitate better budgeting and financial management.

Token Transit, Inc. is a technology company that specializes in mobile ticketing and payment solutions for public transportation agencies. Established in 2015 and based in San Francisco, California, Token Transit offers a user-friendly application that allows riders in the United States and Canada to purchase fares using their smartphones. The platform supports payments via credit, debit, and commuter benefits cards, as well as Cash App Pay for unbanked and underbanked users. Token Transit works with over 200 municipal and regional transportation agencies across North America, enhancing the commuting experience by enabling fare purchases directly within popular applications like Google Maps and Apple Maps. Through its software-as-a-service model, Token Transit aims to provide convenience and flexibility in public transit fare management.