Restive Ventures

Restive Ventures, established in 2018 and located in San Francisco, California, is a venture capital investment firm focused on the financial technology sector. The firm aims to support early-stage startups that are working to enhance the financial experiences of Americans. Restive Ventures provides crucial resources such as mentorship, capital, and industry connections, facilitating relationships between startups and key stakeholders, including banks, payment processors, regulators, and consumer advocates. Through these efforts, Restive Ventures strives to foster innovation and improve financial services.

Ryan Falvey

Founder and Managing Partner

38 past transactions

Liquido

Venture Round in 2023
Liquido is a digital payment solutions platform that provides turn-key digital payment solutions in the LatAm markets. The platform of company provides instant transactions, cross-border technical support, and pay-in and pay-out solutions, allowing clients to make and collect payments with ease.

FairPlay

Series A in 2022
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

Seed Round in 2022
Banking and savings products designed for couples.

Addition Wealth

Seed Round in 2022
Addition Wealth is a holistic financial wellness platform that empowers employees to make smart, informed financial decisions. By taking a tech-forward approach that combines digital tools, online events, expert content, and access to financial professionals, Addition is making personalized financial expertise inclusive and accessible for all employees. Addition partners with forward-thinking employers to help employees make the most of their money.

Canary

Pre Seed Round in 2022
Canary is a financial services company that raises and distributes funding to assist people who are struggling financially so that impact lab can carry out research, influence policy formation, and try out new ways to enhance financial health. Grant Circle, their grant-making platform, allows employees to receive grant money when they face an unexpected, unavoidable emergency that causes financial hardship. Most of the time, these difficulties have an impact on an individual's ability to afford basic living expenses such as a mortgage or rent, utilities, and food. To date, Canary has collaborated with organizations such as Visionworks, Clear Channel Outdoor, Harvard Business Publishing, and others to provide employees in financial distress with access to emergency grants. Canary was founded in 2021 and is based New York.

FarmRaise

Seed Round in 2021
FarmRaise is a digital platform that offers financial resources for farmers and ranchers to make on-farm improvements. It helps farmers unlock capital to amplify farm profitability and sustainability. It's free to register a FarmRaise account, match with grants, and apply for 3 federal programs currently on the platform. The company was founded in 2020 and is based in San Francisco, California.

Frich

Pre Seed Round in 2021
Frich makes money social. It is the first social finance app empowering Gen Z to take control of their personal finances by setting spending goals together with friends using gamification and social media elements.

FairPlay

Seed Round in 2021
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

Seed Round in 2021
Telivy's purpose is to give businesses that are aware of cyberthreats a complete method for taking the required precautions to defend themselves against assaults. They offer remediation solutions, broker insurance quotations, and assist organizations in finding the finest cyber insurance coverage.

Copper Banking

Seed Round in 2021
Copper Banking was founded with the mission to help teens gain real world experience by giving them access to their money in a way that traditional banks aren’t able to do. The Copper app and debit card teaches teens how to make smart financial decisions by creating a platform for parents and teens to connect. With the Copper app, you get easy snapshots of your accounts and, with the Copper Debit Card, it's easy to shop in-store, online or with Apple or Google Pay. PLUS, users get exclusive access to engaging content curated by a team of financial literacy experts who provide advice and tips on how to take control of their financial future.

HoneyBee

Series A in 2021
HoneyBee is a Certified Benefit Corporation® with the mission to address financial insecurity in the workplace. We provide a Rainy Day Coverage with no-cost emergency funds and bilingual on-demand financial counseling because your employees' financial health matters.

agentero

Series A in 2021
Agentero Inc. develops an online application to manage insurance policies for insurance agency. It provides agents to monitor new business and existing clients, cross-sell, and up-sell insurance policies. The company’s application offers policyholders to manage insurance policies. It also offers suite of client interaction tools. Agentero Inc. was incorporated in 2017 and is based in Oakland, California with additional offices in Nashville, Tennessee; and Madrid, Spain.

Ivella

Pre Seed Round in 2021
Banking and savings products designed for couples.

Daylight

Pre Seed Round in 2021
Daylight is the first and only digital banking platform in the U.S. specifically designed for and by the LGBT+ community. Daylight’s card, app and digital services prepare members for the future faster by helping them to navigate the finance system, generate smarter habits and connect with a community working together to build the life they deserve without compromise. Daylight was founded in 2020 and is located at West Hollywood, California.

Flannel

Seed Round in 2021
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.

Pakt

Seed Round in 2021
Pakt is a platform for embedded insurance products across the web.

DIRO

Pre Seed Round in 2021
Diro is a developer of identification software that provides record verification services for both companies and government entities. The platform utilizes DLT technology to decentralize identities and user management across various IT domains. Its application offers a range of features, including automatic de-duplication, privacy control, and cloud backup. Diro's system facilitates crowdsourced contact organization, allowing users to create self-updating directories with community consensus. Additionally, it includes functionalities for card exchange and peer-to-peer sharing. By enabling automated user consent and comprehensive checks for proof of address, identity, and impersonation, Diro strengthens anti-fraud and anti-impersonation measures for its clients.

FarmRaise

Seed Round in 2021
FarmRaise is a digital platform that offers financial resources for farmers and ranchers to make on-farm improvements. It helps farmers unlock capital to amplify farm profitability and sustainability. It's free to register a FarmRaise account, match with grants, and apply for 3 federal programs currently on the platform. The company was founded in 2020 and is based in San Francisco, California.

FairPlay

Pre Seed Round in 2021
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

Series A in 2020
NestEgg is a real estate company providing an app that helps busy rental property owners to manage their properties. The app gives owners on-demand access to real experts help them manage their properties, save time with effortless maintenance coordination, maintenance by Pros owners can trust at discounted rates, and bring certainty to the property's cash flow with rent in the account. The company was founded by Eachan Fletcher, Amie O' Donohue, and Jeff Slipko in 2017 in Chicago, Illinois.

Point Card

Series A in 2020
Point Card offers rewards, including additional cash-back on go-to subscriptions like Netflix, Spotify, HBO Max, Hulu, and more. It features an advanced chipset for secure payments, a high-tensile synthetic polymer construction, and comes in your choice of four editions. It was launched in 2018 and is headquartered in San Francisco, California.

Anvil

Series A in 2020
Anvil is an API-based paperwork automation platform that helps businesses build simple online experiences for paperwork processes. The company offers solutions for bringing offline, paper-heavy workflows online and ensures that paper processes can be transformed into simple online workflows by non-developers in hours. Its platform allows anyone to create a secure online form that can populate the original PDF or sync directly into the software that the user is already using.

NestEgg

Seed Round in 2020
NestEgg is a real estate company providing an app that helps busy rental property owners to manage their properties. The app gives owners on-demand access to real experts help them manage their properties, save time with effortless maintenance coordination, maintenance by Pros owners can trust at discounted rates, and bring certainty to the property's cash flow with rent in the account. The company was founded by Eachan Fletcher, Amie O' Donohue, and Jeff Slipko in 2017 in Chicago, Illinois.

Copilot

Non Equity Assistance in 2020
Copilot is a subscription based personal finance tracking platform. Their subscription application loads financial data, creates custom categories for transactions, sets budgets, and provides daily snapshots, data driven categorization, balances from one month to the next, monthly summaries of income and expenses, and budget rebalancing.

Atlas Labs

Venture Round in 2019
Atlas Labs is a streamline patient enrollment in external programs to convert uncompensated care to revenue and reimbursements.Automate internal financial assistance for those that do not qualify. Help patients manage their out-of-pocket responsibility – all while improving margins, demonstrating higher levels of compliance, and meeting community needs.

Digit

Series C in 2019
Digit is a finance app that analyzes your spending habits and automatically saves the perfect amount every day. The platform automates the day-to-day work of managing money so you don’t have to think about it. They help eliminate the stress and anxiety people feel about their finances while helping them build a proven foundation for the future they’re trying to achieve. Digit keeps your money socked away in a separate account and your savings will depend on a number of variables, including how much money you keep in your checking account and what your saving and spending pattern. Their technology combines machine learning and behavioral psychology to provide a financial assistant you can trust to work toward your goals while you spend your time and effort on what’s most meaningful in your life. It saves the amount of money every day based on your spending and income and tells you the intelligent timeline for achieving them. Digit was founded in 2013 and is headquartered in San Francisco, California, United States.

Harvest Platform

Seed Round in 2019
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

Seed Round in 2019
Joust, Inc., based in Austin, Texas, offers a comprehensive suite of banking and payment solutions tailored for freelancers and entrepreneurs. Founded in 2017, Joust provides services through its proprietary PayArmour tool, which safeguards invoice payments and helps resolve late or non-payment issues experienced by independent workers. The company operates as a subsidiary of ZenBusiness, Inc. and utilizes a chartered, FDIC-insured community bank to deliver merchant services and business banking. In addition to payment protection, Joust's offerings include business incorporation, invoicing, real-time payment processing, invoice insurance, and account analytics. Through its innovative technology and banking partnerships, Joust addresses the financial challenges faced by self-employed individuals.

Everlance

Convertible Note in 2019
Everlance is the mileage and expense management platform known for its simplicity and customer service. We help businesses and independent workers save time and money with easy-to-use financial tools. Launched in 2015, we have over 2 million users, a #1 rating in the App Store and recognition as a Leader in Mileage Tracking from G2. Teams use Everlance to lower vehicle program costs while making life easier for employees. Our end-to-end solution can track mileage, manage compliance, deliver reports and even reimburse your team for you. On top of elegant technology, Everlance provides flexible program management options for Fixed & Variable Rate (FAVR) personalized reimbursements, Cents Per Mile (CPM) reimbursements, expense management, risk management and mileage tracking.

Flex

Pre Seed Round in 2019
Flex is a fintech startup that is building the infrastructure to enable flexible bill payments for all Americans, starting with a common and expensive rent. They make sure that their customers' rents are paid on time every month. This allows their users to have more cash on hand, save more money, and ultimately avoid unnecessary debt.

Sheltr

Seed Round in 2019
Sheltr makes home maintenance effortless. Ongoing home maintenance is a huge frustration for today's homebuyers and it often goes neglected, resulting in expensive, reactive repairs. Our end-to-end solution helps homeowners reduce stress, spend less, and save time managing their homes. In addition to improving the end-customer's experience, we also help our partners, like home insurers, deepen customer engagement, develop new revenue streams, and mitigate risk.

Pillar

Seed Round in 2019
Pillar was a fintech startup that helped people get out of debt. Acquired by Acorns in March 2021

Corpay One

Series A in 2019
Corpay One is a spend management solution for small and medium-sized businesses. The technology uses artificial intelligence and machine learning to automatically synchronize with accounting systems. This technology enables businesses and accountants to make payments more quickly, easily, and securely.

Point

Series B in 2019
Point is a home equity platform that helps homeowners access equity financing in exchange for a fractional share of the future value of their homes. With a Home Equity Investment, homeowners can eliminate debt, get through periods of financial hardship, and diversify their wealth. For investors, Point provides access to a previously untapped asset class in the residential real estate space.

Point Card

Seed Round in 2019
Point Card offers rewards, including additional cash-back on go-to subscriptions like Netflix, Spotify, HBO Max, Hulu, and more. It features an advanced chipset for secure payments, a high-tensile synthetic polymer construction, and comes in your choice of four editions. It was launched in 2018 and is headquartered in San Francisco, California.

Resolve

Seed Round in 2019
Resolve is a free financial management platform created by a team of passionate financial advisors, debt experts & technologists to provide affordable and unbiased help for people in financial distress.

Propel

Series A in 2018
Propel builds software dedicated to helping low-income Americans improve their financial health. Its core product, Providers, is a free app that allows EBT cardholders to manage their benefits and money, save on essentials, and earn cash. Their core product, Providers, is a free app that assists users in managing government benefits like SNAP and rental assistance.

Token Transit

Pre Seed Round in 2017
Token Transit puts cities in the center of managing new mobility by providing a complete fare payment platform for public transportation. Over 200 municipal and regional transportation agencies across North America use Token Transit SaaS and hardware solutions to bring flexibility, convenience, and ease to the rider journey by letting people buy fares using their phones. Riders can pay with their credit, debit, or commuter benefit cards, while unbanked and underbanked populations can purchase by Cash App Pay. Riders can also purchase passes directly in apps they already use like Google Maps, Apple Maps, Transit, Moovit, Google Wallet, and more.
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