Restive Ventures

Surus is a financial services provider based in California, operating in stealth mode. The company focuses on asset management, custody, and compliance, positioning itself as a platform for the future of finance. Surus builds its services on a licensed and regulated financial institution, emphasizing institutional-grade offerings.

BlueQubit is a company dedicated to advancing quantum computing technologies and solutions. By harnessing the principles of quantum mechanics, BlueQubit aims to address complex challenges that exceed the capabilities of traditional computers. The company specializes in developing software and algorithms tailored for quantum computing platforms, facilitating optimizations across various sectors, including finance, pharmaceuticals, logistics, and materials science. Additionally, BlueQubit creates a universal software library for quantum computers and offers operating systems designed to support gate-based quantum algorithms. This enables organizations to effectively utilize quantum computing power for enhanced problem-solving and process improvement.

Diesta is a developer of payment software focused on enhancing the processing of insurance premiums. Its software automates the reconciliation and distribution of insurance payments, linking internal systems and external partners onto a unified financial ledger. This technology aims to modernize the flow of funds within the insurance sector, providing clients with improved transparency, reduced administrative costs, and the ability to execute quick payments. By streamlining these processes, Diesta enables insurance industry clients to enhance their revenue potential.

Brico operates a licensing platform designed to assist companies in acquiring financial licenses and managing their ongoing licensing obligations. By streamlining the complex and often expensive process of obtaining these licenses, Brico aims to enhance efficiency through automation and the potential use of artificial intelligence. This approach not only simplifies the licensing journey for customers but also promotes innovation and competition within the financial sector.

Frich is a social finance application aimed at empowering Gen Z to manage their personal finances collaboratively. The platform enables users to set spending goals and participate in savings challenges with friends, incorporating gamification and social media elements to enhance user engagement. By tracking social spending and offering rewards for achieving financial goals, Frich helps users make informed financial decisions and navigate their financial lives more effectively.

Diesta is a developer of payment software focused on enhancing the processing of insurance premiums. Its software automates the reconciliation and distribution of insurance payments, linking internal systems and external partners onto a unified financial ledger. This technology aims to modernize the flow of funds within the insurance sector, providing clients with improved transparency, reduced administrative costs, and the ability to execute quick payments. By streamlining these processes, Diesta enables insurance industry clients to enhance their revenue potential.

Maza is a mobile application that operates as a digital bank, providing a range of modern banking services. The platform 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. By focusing on user-friendly features, Maza aims to deliver a hassle-free banking experience that encourages financial savings and efficient management of personal finances.

Liquido is a digital payment solutions platform that operates in the Latin American markets, focusing on enhancing financial infrastructure for both local and global merchants. The company offers a comprehensive suite of services, including instant transactions and cross-border technical support, which facilitate seamless payment processes for clients. With its pay-in and pay-out solutions, Liquido enables users to easily make and collect payments, streamlining their financial operations and improving overall efficiency.

Daylight is a digital banking platform based in West Hollywood, California, specifically designed for the LGBT+ community. Founded in 2020, Daylight provides a range of financial services, including prepaid cards and an app that offers tools, advice, and cashback for spending at queer bars and allied businesses. The platform aims to empower its members by helping them navigate the financial system, develop smarter financial habits, and connect with a supportive community. By focusing on the unique needs of the LGBT+ population, Daylight fosters financial literacy and encourages users to build a future that aligns with their values.

AiPrise is a global platform specializing in customer identity verification and KYC orchestration. It offers a suite of pre-integrated APIs for identity verification and fraud detection, allowing businesses to tailor their identity management processes. The platform enhances KYC onboarding by incorporating regional workflows, which improves customer experience and minimizes drop-off rates during the verification process. Its advanced workflow engine is particularly beneficial for fintech and cryptocurrency companies, as it helps make informed identity decisions by analyzing various data points, including phone numbers, email addresses, device attributes, and government databases. By enabling businesses to customize their verification workflows, AiPrise effectively aids in preventing fraudulent users from accessing their services.

Decaf is a digital ledger technology platform that focuses on facilitating secure and transparent payments through blockchain technology. The platform enables users to send and receive money in seconds, significantly reducing transaction times compared to traditional methods. With its user-friendly interface, Decaf provides businesses with a digital wallet and point of sale infrastructure, allowing them to accept and convert cryptocurrency seamlessly. Each transaction is recorded immutably on the blockchain, ensuring a high level of security and transparency for all users.

Power is a financial technology company that specializes in providing credit card programs for businesses through its cloud-native issuance platform. This platform is designed specifically for high-growth brands, offering modern co-branded credit card solutions that enhance the connection between retailers and their customers. By integrating embedded banking experiences, Power enables brands to build, launch, and scale customer engagement strategies that resonate with their loyal clientele. Founded by Randy Fernando and Andrew Dust, Power has garnered support from various investment firms, positioning itself as a key player in the evolving landscape of digital finance.

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 for couples, focusing on facilitating shared financial management. The company's platform allows users to maintain joint checking accounts while tracking individual contributions to shared expenses. This feature helps couples manage their finances by providing clarity on transactions, enabling them to see who made each transaction, how to split costs, and the amounts each person has contributed. By offering banking and savings products specifically designed for couples, Ivella aims to simplify the process of managing joint finances, preventing issues related to unplanned withdrawals and enhancing transparency in spending.

Addition Wealth is a financial wellness platform that aims to empower employees in making informed financial decisions. The platform offers a combination of digital tools, online events, expert content, and direct access to financial professionals, making personalized financial expertise more accessible for all employees. By partnering with progressive employers, Addition Wealth enhances financial education and provides customized resources, including community events, guides, and dashboards. This collaborative approach enables employees to better manage their finances and make sound decisions regarding their financial well-being and career.

Canary is a financial services company based in New York, founded in 2021, that focuses on providing emergency funding to individuals facing financial hardships. Through its grant-making platform, Grant Circle, Canary enables employees to access financial assistance during unexpected emergencies that affect their ability to meet essential living expenses, such as housing, utilities, and food. The company's mission includes supporting research, influencing policy formation, and exploring innovative solutions to enhance financial health. Canary has partnered with various organizations, including Visionworks and Clear Channel Outdoor, to facilitate access to emergency grants for employees in need. By expanding the availability of emergency funds in the workplace, Canary aims to establish a social safety net that improves the efficiency and impact of existing relief efforts.

FarmRaise Inc. operates a digital fundraising platform designed to assist farmers and ranchers in accessing financial resources for on-farm improvements. Founded in 2020 and based in California, the platform connects users with various funding opportunities, including grants, loans, cost-sharing programs, and disaster relief initiatives. By providing tools for tracking cash flow and managing farm business, FarmRaise aims to enhance profitability and sustainability for agricultural operations. The platform allows farmers to register for free, match with relevant grants, and apply for federal programs, thereby facilitating their ability to secure necessary capital for growth and long-term planning.

Frich is a social finance application aimed at empowering Gen Z to manage their personal finances collaboratively. The platform enables users to set spending goals and participate in savings challenges with friends, incorporating gamification and social media elements to enhance user engagement. By tracking social spending and offering rewards for achieving financial goals, Frich helps users make informed financial decisions and navigate their financial lives more effectively.

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 provider of a comprehensive platform aimed at helping businesses safeguard themselves against cyber threats. The company specializes in offering remediation solutions and facilitating access to cyber insurance by providing tailored quotes and coverage recommendations. Their platform includes tools designed to streamline workflows, enabling users to create digital cyber applications and obtain client-ready proposals. Additionally, Telivy offers features such as coverage highlights, benchmarking, and marketing summaries, ensuring that organizations can effectively mitigate risks associated with cyberattacks while securing the best possible insurance coverage for their specific needs.

Copper Banking is a financial education platform designed to empower teenagers with financial literacy and banking services. By offering a user-friendly app and debit card, Copper enables teens to manage their money effectively, gaining hands-on experience that traditional banks often overlook. The platform facilitates money transfers, direct deposits, and payments while fostering a connection between parents and teens regarding financial decisions. Additionally, Copper provides exclusive content crafted by financial literacy experts, equipping users with valuable advice and tips to enhance their understanding of personal finance and help them take control of their financial futures. Through these features, Copper seeks to instill responsible financial habits in young users.

HoneyBee is a Certified Benefit Corporation dedicated to alleviating financial insecurity in the workplace. The company offers a financial wellness platform that provides Rainy Day Coverage, which includes no-cost emergency funds and bilingual on-demand financial counseling. This platform is designed to assist employees in managing their finances by addressing key areas such as student loans, savings, budgeting, debt management, and credit building. By implementing a supplemental financial wellness program, HoneyBee aims to attract new talent and improve employee retention, ultimately fostering a financially healthy workforce.

Agentero Inc. is a technology company that offers a digital platform designed to assist independent insurance agents in managing and growing their businesses. Founded in 2017 and headquartered in Oakland, California, with additional offices in Nashville, Tennessee, and Madrid, Spain, Agentero enables agents to monitor new business and existing clients, facilitating cross-selling and up-selling opportunities. The platform provides tools for agents to efficiently manage insurance policies, access modern carriers, and enhance customer interactions. By streamlining the quoting and binding processes, Agentero aims to create a more intuitive insurance ecosystem that allows agents to deliver the right insurance solutions to their clients at the right time.

Ivella is a developer of banking and financial applications tailored for couples, focusing on facilitating shared financial management. The company's platform allows users to maintain joint checking accounts while tracking individual contributions to shared expenses. This feature helps couples manage their finances by providing clarity on transactions, enabling them to see who made each transaction, how to split costs, and the amounts each person has contributed. By offering banking and savings products specifically designed for couples, Ivella aims to simplify the process of managing joint finances, preventing issues related to unplanned withdrawals and enhancing transparency in spending.

Daylight is a digital banking platform based in West Hollywood, California, specifically designed for the LGBT+ community. Founded in 2020, Daylight provides a range of financial services, including prepaid cards and an app that offers tools, advice, and cashback for spending at queer bars and allied businesses. The platform aims to empower its members by helping them navigate the financial system, develop smarter financial habits, and connect with a supportive community. By focusing on the unique needs of the LGBT+ population, Daylight fosters financial literacy and encourages users to build a future that aligns with their values.

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. operates a digital fundraising platform designed to assist farmers and ranchers in accessing financial resources for on-farm improvements. Founded in 2020 and based in California, the platform connects users with various funding opportunities, including grants, loans, cost-sharing programs, and disaster relief initiatives. By providing tools for tracking cash flow and managing farm business, FarmRaise aims to enhance profitability and sustainability for agricultural operations. The platform allows farmers to register for free, match with relevant grants, and apply for federal programs, thereby facilitating their ability to secure necessary capital for growth and long-term planning.

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 focused on enhancing contact management and document verification to improve organizational efficiency and security. Its Active Contacts platform utilizes crowdsourcing to create self-updating directories, decentralizing user management across various IT domains. Key features of the platform include card exchange, cloud backup, automatic de-duplication, privacy control, and peer-to-peer sharing through distributed ledger technology. Additionally, DIRO offers document verification solutions designed to reduce the risks of financial fraud and streamline compliance with Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations. This technology enables banks and financial institutions to facilitate smoother customer onboarding processes while enhancing the overall customer experience. DIRO's services are applicable across a range of organizations, providing robust anti-fraud measures and identity verification capabilities.

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 real estate company that specializes in developing property management software for rental property owners and tenants. Founded in 2017 and based in Chicago, Illinois, NestEgg offers a comprehensive platform that simplifies property management tasks. The software enables independent landlords to efficiently manage their properties by automating rent collection, coordinating maintenance services, and providing access to trusted contractors at discounted rates. Its features enhance cash flow certainty for property owners while streamlining administrative tasks. By facilitating on-demand access to expert assistance, NestEgg empowers landlords to save time and maintain their properties effectively.

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 is an API-based paperwork automation platform that streamlines the digital document management process for businesses. It enables the transformation of traditional, paper-heavy workflows into simple online experiences, allowing non-developers to create secure online forms that can generate original PDFs or integrate directly with existing software systems. Anvil's platform enhances accuracy by automatically validating data, reducing errors in transactions, and minimizing reliance on cumbersome emails and attachments. Additionally, it allows users to save information for future use, facilitating the pre-population of forms and improving overall efficiency in handling paperwork.

NestEgg Online, Inc. is a real estate company that specializes in developing property management software for rental property owners and tenants. Founded in 2017 and based in Chicago, Illinois, NestEgg offers a comprehensive platform that simplifies property management tasks. The software enables independent landlords to efficiently manage their properties by automating rent collection, coordinating maintenance services, and providing access to trusted contractors at discounted rates. Its features enhance cash flow certainty for property owners while streamlining administrative tasks. By facilitating on-demand access to expert assistance, NestEgg empowers landlords to save time and maintain their properties effectively.

Copilot is a subscription-based personal finance tracking platform that helps users manage their recurring expenses effectively. The software utilizes machine learning to provide personalized insights, allowing users to monitor spending, saving, and investing. Copilot automatically detects bills and subscriptions, linking them to user-defined budgets. The platform offers features such as the categorization of transactions, budget setting, daily financial snapshots, and monthly summaries of income and expenses. Additionally, it supports budget rebalancing to help users maintain control over their financial health.

Atlas Labs, Inc. operates a technology platform designed to connect patients with various medical aid programs, aiming to minimize out-of-pocket expenses and alleviate the workload of financial counselors. The platform enhances revenue generation from third-party programs and assists patients in securing financial aid, while also facilitating reimbursement for medical providers on self-pay balances. By streamlining patient enrollment in external programs, Atlas Labs converts uncompensated care into revenue and automates financial assistance for those ineligible for certain programs. The company, incorporated in 2015 and headquartered in San Francisco, California, plays a crucial role in improving patient access to financial resources, demonstrating compliance, and addressing community healthcare needs.

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 banking and social engagement platform based in Austin, Texas, that focuses on providing services for self-employed individuals. Founded in 2013, Joust offers merchant services and business banking through a chartered, FDIC-insured community bank, along with a proprietary invoice factoring service known as PayArmour. The platform leverages advanced technology to address the financial uncertainties faced by independent workers. Additionally, Joust operates a real-time gamification platform that facilitates social competition, enabling users to engage with friends and content through challenges, contests, polls, and surveys related to various topics, including sports and politics. This dual focus on financial services and social engagement positions Joust as a unique player in both the banking and technology sectors.

Everlance is a mileage and expense management platform established in 2015, designed to assist businesses and independent workers in efficiently managing their expenses. With over 2 million users, the platform is recognized for its ease of use and customer service, holding a top rating in the App Store. Everlance provides an array of tools that simplify the tracking of mileage, managing compliance, generating reports, and facilitating reimbursements. Its technology supports various reimbursement options, including Fixed & Variable Rate (FAVR) and Cents Per Mile (CPM) plans. The platform is particularly beneficial for freelancers and independent contractors, allowing them to manage their business expenses directly from their smartphones while also offering features such as automatic tax withholding. Overall, Everlance aims to save users time and money while enhancing their overall financial management experience.

Flex is a fintech startup that provides an online financial platform designed to facilitate flexible bill payments, initially focusing on rent payments for Americans. The platform allows users to pay their rent according to a schedule that suits their financial needs, rather than adhering to a fixed date. This flexibility helps customers avoid late fees, prevent overdrafts, and enhance their monthly budgeting. By ensuring timely rent payments, Flex enables users to maintain better cash flow and save money, ultimately helping them steer clear of unnecessary debt. Additionally, the platform simplifies the rent collection process for landlords and property managers, making it easier for them to manage their monthly income.

Sheltr offers a home maintenance software platform aimed at alleviating the challenges homeowners face in managing ongoing maintenance tasks. By providing routine preventive maintenance services, such as replacing furnace filters and carbon detector batteries, as well as conducting home assessments, Sheltr enables homeowners to avoid costly repairs and streamline their maintenance efforts. The platform also delivers proactive recommendations for home services, simplifying the booking and scheduling process for consumers. Additionally, Sheltr supports its partners, including home insurers, by enhancing customer engagement, creating new revenue opportunities, and reducing risk associated with neglected home maintenance. Through its comprehensive approach, Sheltr seeks to transform home management into a more stress-free and efficient experience for both homeowners and service providers.

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 tailored for small and medium-sized businesses, focusing on automating the bill payment process. The company's platform utilizes artificial intelligence and machine learning to seamlessly integrate with existing accounting systems. This technology enables users to instantly receive and scan invoices by capturing photos of bills, streamlining the payment process for businesses and accountants. With features that enhance security and efficiency, Corpay One simplifies financial management, allowing users to make payments more quickly and easily. Founded in 2016 and based in San Francisco, the company aims to transform how businesses handle their financial obligations.

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 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 Innovations, Inc. operates a financial management platform aimed at assisting individuals in financial distress. Founded in 2017 and based in Oakland, California, the platform enables users to compare various debt relief options and connect with providers. It offers a range of tools designed to enhance credit scores, reduce expenses, increase income, manage and consolidate debt, lower interest rates, and negotiate with creditors. Additionally, Resolve provides free settlement estimates and consultations, empowering users to explore debt settlement alternatives and receive tailored estimates for their specific debts. The company's mission is to deliver affordable and unbiased support to those seeking financial relief.

Propel, Inc. is a technology company based in Brooklyn, New York, founded in 2014. It specializes in developing mobile software applications aimed at improving the financial health of low-income Americans. The company's 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 save on essential expenses and earn cash, while offering features that allow them to check their balance and organize budgets around local deals. Propel's focus is on empowering its users to better navigate financial challenges and enhance their economic well-being.

Token Transit, Inc. specializes in mobile ticketing and payment solutions for public transportation agencies in the United States and Canada. Founded in 2015 and based in San Francisco, the company offers an application that enables users to purchase transit fares using credit, debit, and commuter benefit cards. Over 200 municipal and regional transportation agencies utilize Token Transit’s software and hardware solutions, enhancing the convenience of public transit for riders. The application is compatible with both iOS and Android devices, allowing users to acquire passes directly through popular navigation apps like Google Maps and Apple Maps. Additionally, the platform supports unbanked and underbanked individuals by providing payment options through Cash App Pay, facilitating broader access to public transportation services.