Ribbit Capital

Persona is a company specializing in identity verification solutions designed to enhance online interactions by ensuring trust and security. It provides a comprehensive suite of automated verification components that can be customized and branded, allowing businesses to create tailored processes for various use cases, including age verification and fraud prevention. The company focuses on the complex tasks of collecting, verifying, and managing sensitive personal information, enabling clients to seamlessly verify customer identities with ease and efficiency. By offering worldwide coverage, Persona aims to protect individuals from identity theft and fraud, facilitating secure online transactions and interactions.

Stitch operates a financial API platform that facilitates secure connections between bank accounts and various applications. By providing full API access to financial accounts, Stitch enables users to share their transaction history, confirm their identities, and initiate payments efficiently. The platform integrates directly with existing bank infrastructures, ensuring compliance and enhancing user experience through a lightweight single sign-on process. This approach allows clients to conduct fraud-free bank payments and access financial data with ease.

Plaid Inc. is a technology company that facilitates the connection between consumers' bank accounts and applications, aiming to democratize financial services through advanced technological solutions. Founded in 2012 and headquartered in San Francisco, it provides a comprehensive suite of APIs that enable developers to create financial products connecting users with traditional financial institutions. Plaid's offerings include tools for accessing transaction history and balance data, authenticating bank accounts for payments, verifying identities, and confirming real-time account balances and income. These products support various applications in personal finances, consumer payments, lending, banking, and business finance. With a focus on enhancing both consumer experiences and developer capabilities, Plaid serves a diverse range of clients, including Fortune 50 companies, positioning itself as a vital infrastructure provider in the digital financial landscape.

Changxiang World is an intelligent service provider that specializes in the field of art training. The company is dedicated to developing an integrated art training intelligent service platform.

TON Foundation (TF) is a non-profit organization founded in Switzerland in 2023. It is 100% funded by the community, acts in its interests, and supports initiatives aligned with The Open Network Mission. See more at https://ton.foundation

Privy creates authentication, authorization, and data control tooling to enable developers to create products that keep users safe. It creates simple, powerful APIs for managing user data, allowing them to easily integrate user data into their products. Privy bridges the gap between users' on-chain activity and their off-chain data, allowing users to create delightful experiences without putting themselves or the product at risk.

Crossmint is the leading enterprise-grade developer platform to build onchain. Crossmint's suite of products includes wallets, tokenization, payments, and more; and powers 40,000+ companies and developers, including Fortune 500 companies and major brands like Mastercard, Adidas, Red Bull, Coinbase, Phantom, and more.

Tomo is a fintech startup dedicated to transforming the residential mortgage and home-buying experience through its subsidiaries, Tomo Mortgage and Tomo Real Estate. The company aims to simplify the complexities associated with homeownership by leveraging data, automation, and third-party API integrations. Tomo Real Estate serves as a modern real estate portal that enhances the home-buying journey by utilizing artificial intelligence and visual insights. Through its innovative platform, Tomo enables clients to complete real estate transactions more efficiently than the industry average, thus streamlining the overall process of purchasing a home.

Blockaid is a technology company that specializes in digital security. It develops a security platform designed to safeguard users from fraud, phishing, and hacks. The company employs a range of security features, including blockchain technology, to ensure the safety and security of users' data. This enables online businesses to offer their services with confidence, knowing that their customers' data is protected.

Alpen Labs is a startup focused on enhancing Bitcoin scalability through zero-knowledge technology. The company aims to create a comprehensive financial ecosystem that promotes privacy and programmability within Bitcoin. By developing an online platform, Alpen Labs seeks to foster broader adoption of cryptocurrency and expand global financial access. Its infrastructure empowers developers to build applications directly on this platform, facilitating an inclusive financial future for everyday users. Through its innovative approach, Alpen Labs is positioned to significantly contribute to the evolution of the cryptocurrency landscape.

Parafin is a financial infrastructure company that specializes in providing embedded financial products for small businesses through various online platforms. By simplifying the complexities of capital markets, underwriting, servicing, compliance, and customer support, Parafin enables small businesses to thrive even in uncertain economic conditions. The company has successfully partnered with major platforms such as Amazon, Walmart, DoorDash, and TikTok, extending over $8 billion in financing offers to support hundreds of thousands of businesses. Parafin's end-to-end payment processing solutions and one-click financing options empower retail sellers to enhance their gross merchandising volume while unlocking new revenue streams.

Gigs is a telecom-as-a-service company that delivers wireless subscriptions tailored for smartphones, wearables, and IoT devices. Through its API and white-label solutions, Gigs enables businesses to offer custom mobile plans across various global networks, allowing them to monetize their customer bases while retaining control over branding and pricing. The company focuses on serving sectors such as telecommunications, technology, and retail, providing voice and data plans designed to enhance client conversion rates, boost subscription revenue, and reduce product returns. By offering flexible and scalable telecom solutions, Gigs positions itself as a valuable partner for businesses looking to expand their service offerings in the mobile market.

One is a financial mobile application headquartered in San Francisco, California, that offers a range of banking and fintech solutions. Founded in 2019, the company focuses on enhancing users' financial capabilities by providing services such as online payments, cash transactions, and digital wallet functionalities. The app is designed to increase users' spending power by optimizing their earnings and helping them achieve financial goals more efficiently. Additionally, One enables users to share money easily with family and friends while promoting faster growth of their finances. Through its innovative offerings, One aims to bridge financial gaps for its users.

Onze is a fintech company that develops pension and financial health solutions for employees. Onze provides financial health solutions with wealth accumulation to employees, through a different and modern pension plan. Onze encourages people to develop discipline on payroll contributions, encouraging long-term investment through tax breaks, and enabling businesses to effectively motivate employees.

Neon empowers game developers to own their direct-to-consumer channel and create commerce tools to help game developers build enduring brand

Tako is a technology company specializing in payroll and human resources software. It offers an employee lifecycle platform that automates tasks from onboarding to offboarding, streamlining processes and reducing the need for multiple tools or third-party providers. The platform provides employees with a dashboard for easy access to information and interactive paystubs, enhancing transparency. It also employs machine learning to keep employee data up-to-date, minimizing manual updates.

Ualá is a financial technology company that offers a digital banking application aimed at democratizing access to financial services. The platform provides a comprehensive financial ecosystem, allowing users to manage payments, request loans, and invest in various financial products. Ualá's services include a prepaid Mastercard and savings accounts, which enhance financial inclusion by enabling users to make secure purchases and transfer money instantly through a traditional transactional payment network. The company's mission is to empower individuals by offering accessible financial solutions.

Crusoe Energy Systems Inc., based in Denver, Colorado, develops innovative technology and solutions aimed at addressing operational, environmental, and regulatory challenges in the oil and gas sector. Founded in 2018, the company specializes in its Digital Flare Mitigation solution, which allows upstream operators without pipeline access to convert wasted natural gas into electricity for energy-intensive computing. This service not only helps oil and gas producers reduce routine flaring of natural gas but also assists them in achieving regulatory compliance and maintaining production levels amid increasing regulations and pipeline constraints. Crusoe Energy Systems is committed to creating solutions that benefit the environment, local communities, and energy producers alike.

Imprint is a financial services company founded in 2020 and based in New York, specializing in payments, rewards, and loyalty services. The firm has developed a full-stack payments and loyalty platform that facilitates payment processing for merchants and consumers. This platform allows users to execute financial transactions while also earning loyalty and reward points, streamlining the management of daily financial transactions. Imprint aims to enhance the payment experience by integrating rewards and loyalty features, making it easier for users to engage with their financial activities.

Bridge is developer of an application programming interface for money movement within the financial technology sector. The company provides APIs that enable developers to convert various forms of currency into stablecoins and to facilitate instant, global transactions with built-in compliance and programmability features.

Avian Labs is a financial technology company that specializes in developing innovative payment solutions. Its primary product, Sling, is an application designed to streamline the process of sending and receiving money between individuals and businesses, eliminating the complexities associated with traditional payment methods such as sort codes, IBANs, and multiple currencies. By operating at the intersection of traditional finance and cryptocurrency, Avian Labs aims to provide a secure and efficient platform for global transactions. The company's focus on maintaining ethical and legal standards is reflected in its hiring practices, which include positions dedicated to compliance and financial crime management. Through its technology, Avian Labs enables users to conduct secure transactions while mitigating risks related to fraud and money laundering.

Morpho is an on-chain peer-to-peer layer on top of lending pools. Rates are seamlessly improved for borrowers and lenders while preserving the same guarantees. Morpho combines the efficiency of P2P with the liquidity of lending pools. Users enjoy an improved APY while maintaining the pool’s flexibility

Clip is transforming card acceptance in Mexico by providing portable card-reading hardware and a digital payment platform that enables businesses to accept all credit and debit cards, including contactless payments. The company's solutions allow businesses to turn smartphones or tablets into card terminals, facilitating seamless transactions without the need for complicated paperwork or monthly fees. By focusing on empowering Mexican businesses, Clip helps them increase sales and grow by offering a user-friendly application that simplifies payment acceptance. This approach positions Clip as a vital ally for merchants seeking efficient and accessible payment solutions.

Payflows is a FinTech company that offers a SaaS platform focused on enhancing financial management for businesses. The platform integrates various finance-related workflows, including accounts payable, accounts receivable, and payments, facilitating better management of cash flows. Utilizing artificial intelligence, Payflows automates critical tasks such as data gathering, reporting, benchmarking, and order execution. This automation aims to reduce operational costs and improve efficiency within finance teams, ultimately streamlining the overall financial management process for organizations.

Figure Markets is a company focused on transforming private capital markets through the application of blockchain technology. It has developed a digital asset platform that facilitates trading, borrowing, and investing within a unified decentralized environment. This platform provides access to a range of financial instruments, including public equity, fixed-income securities, and alternative investments. By enabling cross-collateralization across various asset classes, Figure Markets allows investors to diversify their portfolios beyond conventional resources, thereby enhancing investment opportunities and efficiency in the capital markets.

Vouch, Inc. is a provider of insurance products and services specifically designed for startups and high-growth companies in the United States. Founded in 2016 and based in San Francisco, the company offers a comprehensive range of insurance solutions, including general liability, business property, directors and officers, errors and omissions, cyber coverage, crime coverage, employment practices liability, hired and non-owned auto, and fiduciary liability. Vouch operates a tech-enabled platform that facilitates access to multiple insurance carriers and provides instant quoting capabilities through its MGA brand, Corix. By integrating technology and industry expertise, Vouch aims to help startups and technology-driven businesses effectively manage risk as they scale and adapt to emerging challenges.

Meso is the developer of a web3 native payment platform intended to connect banks and cards to crypto apps.

Imprint is a financial services company founded in 2020 and based in New York, specializing in payments, rewards, and loyalty services. The firm has developed a full-stack payments and loyalty platform that facilitates payment processing for merchants and consumers. This platform allows users to execute financial transactions while also earning loyalty and reward points, streamlining the management of daily financial transactions. Imprint aims to enhance the payment experience by integrating rewards and loyalty features, making it easier for users to engage with their financial activities.

Kasa Living, Inc. is a real estate company specializing in rental accommodation booking services through an online platform. Founded in 2016 and headquartered in San Francisco, California, the company partners with owners of multifamily and boutique hospitality properties to transform underutilized real estate into professionally managed rental units. Kasa Living offers a variety of services, including hotel check-in and apartment bookings, catering to both business and leisure travelers. Its reach spans multiple states, including Virginia, Georgia, Texas, and California, among others. By focusing on affordable, home-like accommodations, Kasa Living aims to build a global brand in the hospitality sector while providing efficient booking solutions for tourists and families.

Blockaid is a technology company that specializes in digital security. It develops a security platform designed to safeguard users from fraud, phishing, and hacks. The company employs a range of security features, including blockchain technology, to ensure the safety and security of users' data. This enables online businesses to offer their services with confidence, knowing that their customers' data is protected.

Stitch operates a financial API platform that facilitates secure connections between bank accounts and various applications. By providing full API access to financial accounts, Stitch enables users to share their transaction history, confirm their identities, and initiate payments efficiently. The platform integrates directly with existing bank infrastructures, ensuring compliance and enhancing user experience through a lightweight single sign-on process. This approach allows clients to conduct fraud-free bank payments and access financial data with ease.

PhonePe is a mobile payments application that enables users to transfer money instantly using just their mobile number. The platform is built on the Unified Payments Interface (UPI) and incorporates a digital wallet, making digital payments simple and secure. PhonePe aims to eliminate the need for cash and cards by providing a universally accepted payment solution, thereby enhancing the overall commerce experience for both customers and businesses. Its focus is on facilitating seamless transactions in the digital payment landscape.

Juniper Square, Inc. is a San Francisco-based company founded in 2014 that specializes in investment management software tailored for the real estate industry. The company's online platform streamlines investment operations, enabling private equity firms to efficiently find, raise, and manage capital. Juniper Square offers solutions that enhance communication and collaboration between general partners and limited partners, thereby fostering stronger investment partnerships. The firm provides services in fundraising, investor management, and fund administration, catering to a variety of sectors including real estate, private equity, venture capital, and private debt. By addressing the fragmented and inefficient processes in investment management, Juniper Square aims to empower organizations to achieve their full potential.

Avian Labs is a financial technology company that specializes in developing innovative payment solutions. Its primary product, Sling, is an application designed to streamline the process of sending and receiving money between individuals and businesses, eliminating the complexities associated with traditional payment methods such as sort codes, IBANs, and multiple currencies. By operating at the intersection of traditional finance and cryptocurrency, Avian Labs aims to provide a secure and efficient platform for global transactions. The company's focus on maintaining ethical and legal standards is reflected in its hiring practices, which include positions dedicated to compliance and financial crime management. Through its technology, Avian Labs enables users to conduct secure transactions while mitigating risks related to fraud and money laundering.

Alpen Labs is a startup focused on enhancing Bitcoin scalability through zero-knowledge technology. The company aims to create a comprehensive financial ecosystem that promotes privacy and programmability within Bitcoin. By developing an online platform, Alpen Labs seeks to foster broader adoption of cryptocurrency and expand global financial access. Its infrastructure empowers developers to build applications directly on this platform, facilitating an inclusive financial future for everyday users. Through its innovative approach, Alpen Labs is positioned to significantly contribute to the evolution of the cryptocurrency landscape.

Sealance is a technology company that focuses on developing a decentralized blockchain platform specifically for the cryptocurrency industry. Utilizing advanced mathematics, cryptography, and zero-knowledge proofs, Sealance aims to enhance privacy, verify identities, and ensure compliance with regulatory standards. The platform provides a secure and reliable method for certifying cryptocurrency transactions, allowing users to maintain confidentiality while adhering to legal and policy requirements. By leveraging these innovative technologies, Sealance addresses critical challenges in the financial compliance landscape, ensuring transaction integrity and promoting trust in digital currency operations.

Payflows is a FinTech company that offers a SaaS platform focused on enhancing financial management for businesses. The platform integrates various finance-related workflows, including accounts payable, accounts receivable, and payments, facilitating better management of cash flows. Utilizing artificial intelligence, Payflows automates critical tasks such as data gathering, reporting, benchmarking, and order execution. This automation aims to reduce operational costs and improve efficiency within finance teams, ultimately streamlining the overall financial management process for organizations.

OneKey is a developer of a crypto security platform that facilitates the secure storage and management of cryptocurrency assets. The company provides a user-friendly solution for buying and trading a variety of digital assets, including cryptocurrencies, NFTs, and decentralized applications. By offering a robust open-source crypto wallet, OneKey enables users within the Web3 ecosystem to safely access and utilize coins such as Bitcoin, Ethereum, and Solana, thereby enhancing the overall security and convenience of engaging with the digital asset market.

Fuse Energy, LLC is an energy company engaged in the exploration and production of oil and gas, primarily focusing on acquiring and exploiting assets in various hydrocarbon basins in the United States. Founded in 2014 and based in Greenwood Village, Colorado, the company also operates as an energy supplier in the UK, offering competitive electricity tariffs. Additionally, Fuse Energy is committed to accelerating the global transition to renewable energy by providing innovative services such as virtual solar panels and advanced energy-saving solutions, thereby enabling consumers to access more affordable and sustainable energy options.

Parafin is a financial infrastructure company that specializes in providing embedded financial products for small businesses through various online platforms. By simplifying the complexities of capital markets, underwriting, servicing, compliance, and customer support, Parafin enables small businesses to thrive even in uncertain economic conditions. The company has successfully partnered with major platforms such as Amazon, Walmart, DoorDash, and TikTok, extending over $8 billion in financing offers to support hundreds of thousands of businesses. Parafin's end-to-end payment processing solutions and one-click financing options empower retail sellers to enhance their gross merchandising volume while unlocking new revenue streams.

Lead Bank is a commercial bank based in Garden City, Missouri, established in 1928. It provides a comprehensive range of banking and financial services aimed at promoting economic growth for businesses. The bank offers business accounts, cash management, credit card services, and business loans, along with online and mobile banking options. Additionally, Lead Bank specializes in transaction and financial advisory services, including interim executive placements, financial and strategic planning, mergers and acquisitions advisory, private equity placements, capital sourcing, and business valuations. Through its division, Lead Business Advisors, the bank also delivers advisory services that encompass bookkeeping and business brokerage.

Balance is a digital payments platform based in Tel Aviv, Israel, founded in 2019 by Bar Geron and Yoni Shuster. The company specializes in enhancing the B2B online purchasing experience for both buyers and vendors. Balance's platform processes online payments using a machine learning engine that provides real-time authentication and financial risk assessment, offering businesses flexibility in payment timing.

Atlantic Money is a London-based money transfer provider established in 2020, specializing in international transactions. The company offers a straightforward and cost-effective solution for sending money abroad, charging a flat fixed fee of £3 or €3 for transfers, regardless of the amount, up to £1 million. By focusing on providing competitive foreign exchange rates and minimizing transaction costs, Atlantic Money positions itself as a leader in the international payment services sector, catering to clients seeking affordable options for transferring funds across borders.

Farcaster operates as a decentralized social network, focusing on creating an open protocol that allows users to transfer their identities across various applications. This network enables users to claim unique usernames and store their social data on off-chain hosts, effectively giving them ownership and control over their social interactions. Developers are encouraged to create new clients and applications without needing permission, fostering innovation and flexibility within the ecosystem. Merkle Manufactory contributes to the Farcaster protocol by developing clients that enhance the user experience, reinforcing the platform's commitment to maintaining direct relationships between users and their audiences. Overall, Farcaster aims to establish a credible-neutral environment where individual identity and social data are paramount.

Delphia Inc. is a Toronto-based company, incorporated in 1993, that specializes in developing artificially intelligent surveys designed to assist individuals in making informed decisions regarding careers, education, finances, and health. The company emphasizes the importance of data in fostering capital formation and economic empowerment. Delphia creates products that encourage the sharing of proprietary data, aiming to provide users with a competitive advantage in financial markets. By actively managing personal data, Delphia seeks to unlock innovative opportunities for wealth creation for both individual and institutional investors.

MachineFi Lab is a company focused on the development of Internet of Things (IoT) and blockchain technologies. It specializes in creating a software platform that integrates various machines, providing a comprehensive infrastructure suite. This suite includes an Ethereum Virtual Machine (EVM) blockchain, a multichain crypto wallet, a blockchain bridge, and an onboarding platform. Additionally, MachineFi Lab offers software development kits (SDKs) that empower developers to build applications and establish machine networks. Through its innovative solutions, the company aims to enhance connectivity and functionality within the IoT ecosystem.

Coins.ph Pte. Ltd. is a financial technology company based in Pasig City, Philippines, founded in 2014. It operates a mobile wallet that enables consumers and small businesses to access a variety of financial services, including money transfers, bill payments, local and international remittances, and cryptocurrency transactions. The platform is designed to make financial services accessible and user-friendly, utilizing blockchain technology to facilitate seamless mobile transactions. Additionally, Coins.ph offers features such as ATM cash pickup and merchant services, making it a comprehensive solution for digital payments and financial management. As a subsidiary of PT Go-Jek Indonesia, Coins.ph plays a significant role in the evolving landscape of digital finance in the region.

Lightspark is a company focused on enhancing the capabilities and utility of Bitcoin through the development of a crypto payment platform. This platform aims to provide an enterprise-ready infrastructure for open payments at scale, allowing businesses and developers to accept digital payments while facilitating immediate conversion to fiat currency. By leveraging the lightning network, Lightspark enables users to transform existing financial solutions and create new systems and services, thereby expanding access to digital payment technologies for a broader audience.

Meso is the developer of a web3 native payment platform intended to connect banks and cards to crypto apps.

Alan is a digital health insurance provider that simplifies and streamlines insurance services for businesses. It offers tailored health insurance solutions, easy claim handling, and access to medical professionals via video calls, enabling users to conveniently manage their health and wellness.

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.

Pinhome is a technology-driven platform that facilitates property transactions, enabling users to buy, sell, and rent real estate more efficiently. By organizing property data and digitizing the transaction process, Pinhome simplifies the complexities associated with real estate dealings. The platform caters to a wide range of customer needs, including property maintenance and personal care services, thereby providing comprehensive support throughout the real estate process. Pinhome aims to enhance accessibility to home financing and streamline the overall experience for clients seeking to navigate the real estate market.

Stark Bank S.A. operates a banking platform designed to facilitate the financial operations of companies. Founded in 2014 and headquartered in São Paulo, Brazil, the company offers a suite of developer-friendly APIs that enable organizations to execute transactions, manage payments, and streamline bank transfers. By providing technology that eliminates excessive fees and simplifies integration, Stark Bank empowers businesses to focus on their core activities while efficiently handling their financial needs. The platform supports various financial operations, enhancing the technological capabilities of its clients.

Tomo is a fintech startup dedicated to transforming the residential mortgage and home-buying experience through its subsidiaries, Tomo Mortgage and Tomo Real Estate. The company aims to simplify the complexities associated with homeownership by leveraging data, automation, and third-party API integrations. Tomo Real Estate serves as a modern real estate portal that enhances the home-buying journey by utilizing artificial intelligence and visual insights. Through its innovative platform, Tomo enables clients to complete real estate transactions more efficiently than the industry average, thus streamlining the overall process of purchasing a home.

Gauntlet is a financial modeling and simulation company focused on enhancing the safety and efficiency of blockchain protocols and smart contracts. Through its advanced platform, Gauntlet employs agent-based simulation techniques to analyze and optimize key parameters of various protocols. This approach allows the company to model market risks and economic incentives effectively, helping clients improve their capital efficiency and maximize returns for stakeholders while minimizing associated risks. By driving sustainable growth for leading crypto protocols, chains, and on-chain treasuries, Gauntlet plays a crucial role in enhancing the financial performance of businesses in the blockchain space.

Helium Systems Inc. develops Internet-of-Things (IoT) technology, focusing on sensor devices that monitor environmental factors such as temperature, humidity, barometric pressure, motion, and light. These sensors are utilized in various applications, including facility monitoring and quality control for medical products, energy management, air quality assessment, and refrigeration temperature regulation. The company offers a web and mobile dashboard for users to manage and access sensor data. Additionally, Helium operates a decentralized wireless network that enables low-power IoT devices to connect to the internet. This network incentivizes individuals to become network operators, rewarding them with a cryptocurrency for validating network transactions and contributing to the network's integrity. Incorporated in 2013 and based in San Francisco, Helium Systems continues to innovate within the IoT landscape, enhancing the ability to gather insights from smart devices.

Fenbeitong is a company that provides an enterprise consumption platform designed to enhance control over corporate expenditures. By utilizing intelligent control rules and reminder mechanisms, Fenbeitong enables businesses to significantly reduce costs associated with travel, vehicle usage, procurement, and other public consumption activities. The platform offers a corporate wallet application that facilitates the management, payment, and reimbursement of corporate expenses, allowing employees to avoid upfront costs and cumbersome reimbursement processes. Additionally, Fenbeitong supports a credit monthly payment system and a unified invoice approach, which streamlines financial operations and boosts overall business efficiency.

Vivid is a leading European financial platform for businesses that seamlessly integrates the management of personal and business finances. Focused on SMEs, Vivid delivers cost-effective, scalable financial solutions with best-in-class pricing, market-leading interest rates on savings and advanced business tools. Founded in 2019 in Berlin by Alexander Emeshevand Artem Iamanov, Vivid has quickly grown into one of Germany’s top financial platforms for SMEs and private accounts. Backed by Greenoaks Capital and DST Global, the company is expanding across Europe setting new standards in how businesses bank.

Sote, Inc. is a technology company based in San Francisco, California, with an additional office in Nairobi, Kenya. Incorporated in 2017, Sote develops a digital customs clearing and freight forwarding platform tailored for the logistics industry. Its software provides a comprehensive workflow tool that allows industrial cargo owners to manage freight clearing and forwarding processes efficiently. The platform features a dashboard that enables users to track shipment status, payment history, and estimated arrival times for containers, facilitating better coordination among all parties involved in logistics. Additionally, Sote is committed to empowering African businesses by leveraging proprietary trade data to address the trade finance gap in the region. By offering reliable credit, risk management, underwriting, and business intelligence, Sote aims to transform the landscape of trade finance and logistics in Africa.

Redefine offers an advanced end-to-end risk assessment and mitigation solution for DeFi investors. It includes an automated due diligence service, real-time portfolio risk monitoring, and active risk mitigation.

Checkout.com is a company that specializes in providing an online payments platform designed to facilitate secure digital transactions across the Internet. Established in 2012, it offers a comprehensive solution that supports payments in over 150 currencies, integrating local acquiring capabilities and advanced fraud detection through a single API. The platform enables businesses to accept all major international credit and debit cards, as well as various alternative and local payment methods. With a focus on eliminating intermediaries, Checkout.com connects retailers directly with customers' bank accounts, delivering data-rich insights that help enhance performance and improve approval rates. The company employs more than 1,700 people across 19 offices globally, ensuring local expertise and tailored risk management solutions to help businesses optimize their mobile and online purchasing while effectively managing potential risks.

Gorila Invest is a Brazilian fintech company founded in 2016 and headquartered in Sao Paulo. It specializes in developing an investment management application that allows users to consolidate their equity holdings and monitor the historical value of their portfolios. The platform automatically updates users on profitability, market quotations, prices, and corporate events related to their investments. By providing detailed monthly reports, Gorila enables both individual investors and advisors to effectively organize and track their investments in a secure manner.

Slingshot is a decentralized finance (DeFi) trading platform that enables users to buy, sell, swap, and bridge over 50,000 cryptocurrencies. Founded in 2018 and based in San Francisco, California, Slingshot offers a secure and user-friendly interface that combines the efficiency of centralized platforms with the transparency and security of decentralized technologies. The platform aggregates prices across multiple decentralized exchanges, ensuring users have access to the best available rates for their token trades. It features a range of tools, including live price charts, portfolio tracking, and various wallet integrations, all designed to enhance the trading experience. Renowned for its commitment to security and user sovereignty, Slingshot aims to empower retail users in the digital asset space.

Settle is a cash-flow management platform that assists businesses and individuals in managing their financial transactions, tracking expenses, and optimizing cash flow. Founded by Alek Koenig in November 2019 and headquartered in San Francisco, California, the company provides tools and insights to help users gain a clearer understanding of their financial situation and make informed decisions. Its software automates business-to-business payments and offers features such as payment management, payable date management, paperless invoices, and auto payments, all aimed at expediting billing cycles and enhancing working capital.

Upgrade Inc., established in 2016 and headquartered in San Francisco with additional offices across North America, operates an online lending platform that combines access to personal loans and the Upgrade Card with free credit education tools and monitoring services. The company aims to provide affordable and responsible credit solutions to mainstream consumers, offering products such as personal loans and a unique credit card designed for use at retail locations nationwide. Additionally, Upgrade offers mobile banking products and educational resources to help consumers understand and manage their finances effectively.

Sealance is a technology company that focuses on developing a decentralized blockchain platform specifically for the cryptocurrency industry. Utilizing advanced mathematics, cryptography, and zero-knowledge proofs, Sealance aims to enhance privacy, verify identities, and ensure compliance with regulatory standards. The platform provides a secure and reliable method for certifying cryptocurrency transactions, allowing users to maintain confidentiality while adhering to legal and policy requirements. By leveraging these innovative technologies, Sealance addresses critical challenges in the financial compliance landscape, ensuring transaction integrity and promoting trust in digital currency operations.

Twic Inc. is a software company based in Fremont, California, founded in 2017, that specializes in wellness programs for employees. The company offers two main products: Wellness Wallet and Wellness Suite. Wellness Wallet provides a monthly wellness stipend to employees as an incentive for maintaining a healthy lifestyle, while Wellness Suite serves as a platform for organizing and sharing information about onsite wellness events. Twic's solutions are designed to simplify the process for employees, giving them direct access to their benefits through an intuitive interface. This allows employees to utilize their benefits stipend with a curated selection of vendors, which offers preferred pricing and eliminates the need for reimbursement, thus saving time and money for both employees and employers.

Digital Currency Group (DCG) is a corporate venture capital firm based in Stamford, Connecticut, founded in 2015. The company focuses on building and supporting businesses within the bitcoin and blockchain sectors by providing insights, networking opportunities, and access to capital. With over 150 investments across more than 30 countries, DCG primarily targets companies involved in financial technology, web3 infrastructure, decentralized finance, and related fields. In addition to its investment activities, DCG owns and operates several key entities in the digital currency ecosystem, including CoinDesk, a leading media and events platform, Genesis Trading, a prominent bitcoin brokerage firm, and Grayscale Investments, the largest asset management firm specializing in digital currencies.

Chipper Cash is a financial services company founded in 2017 and headquartered in San Francisco, California. It operates a software application platform that enables users to send and receive money instantly and for free across different currencies within Africa. The platform facilitates peer-to-peer cross-border money transfers in a simple manner, similar to sending a text message, enhancing financial inclusivity across the continent. Chipper Cash’s innovative approach allows users to make personal payments efficiently via their mobile devices, making it a key player in the African fintech landscape.

Groww is a Bengaluru-based investment platform founded in 2017 by Lalit Keshre, Harsh Jain, Neeraj Singh, and Ishan Bansal. It offers users direct access to invest in mutual funds, gold, and US stocks via its simplified, paperless interface. The platform leverages data science to provide insights and facilitate systematic investment planning, making it accessible for new investors. Additionally, Groww allows users to apply for personal loans and pay bills through their application.

Justos is a technology company specializing in automotive insurance. It offers an AI-driven mobile application that assesses drivers' behavior, such as acceleration, braking, and speeding, to determine personalized insurance premiums. This innovative approach aims to disrupt the traditional insurance market in Latin America by providing a more accurate and fair pricing model based on individual driving habits.

Brex Inc. is a financial technology company that provides corporate credit cards and integrated financial services to businesses. Established in 2017 and headquartered in San Francisco, California, Brex has additional offices in Draper, Utah; Vancouver, Canada; and New York, New York. The company offers the Brex Mastercard Corporate Credit Card, which features reward programs for various categories, including rideshare, travel, dining, and software subscriptions. By combining financial services with existing software applications, Brex enables businesses to streamline their financial operations and empower employees to make informed financial decisions. This innovative approach helps companies navigate the complexities of the modern business environment and enhances their growth potential.

FTX is a cryptocurrency exchange company that specializes in developing a professional trading platform, supporting features such as quarterly and perpetual futures, leveraged tokens, and OTC trading. It aims to cater to both professional trading firms and first-time users, offering an intuitive and robust trading environment. FTX was incubated by Alameda Research, ensuring it had industry order books from its inception. Additionally, FTX Ventures, its investment arm, provides equity and/or token investments to blockchain companies at various stages, supporting founders and maintaining their decision-making flexibility.

Futureswap is a company based in San Francisco, California, that specializes in developing a decentralized futures exchange platform utilizing blockchain technology. The platform operates on a non-custodial basis, enabling users to engage in the trading of crypto futures contracts. Futureswap employs an automated market-making (AMM) algorithm to facilitate these transactions, enhancing liquidity and efficiency in the trading process. With a focus on decentralized finance, Futureswap aims to provide a secure and user-friendly environment for trading perpetual futures in the cryptocurrency market.

Futureswap is a company based in San Francisco, California, that specializes in developing a decentralized futures exchange platform utilizing blockchain technology. The platform operates on a non-custodial basis, enabling users to engage in the trading of crypto futures contracts. Futureswap employs an automated market-making (AMM) algorithm to facilitate these transactions, enhancing liquidity and efficiency in the trading process. With a focus on decentralized finance, Futureswap aims to provide a secure and user-friendly environment for trading perpetual futures in the cryptocurrency market.

CoinSwitch is a leading cryptocurrency exchange aggregator based in India, designed to simplify the complexities of cryptocurrency trading for everyday users. With over 20 million registered users, CoinSwitch enables individuals to easily invest in a variety of cryptocurrencies through a user-friendly platform. Users can make one-time purchases or set up systematic investment plans, allowing for flexible investment strategies. In addition to trading, CoinSwitch provides educational resources that help users understand the cryptocurrency market and make informed decisions. The platform features the Crypto Rupee Index, which aids users in analyzing market sentiments. Committed to expanding accessibility to cryptocurrency, CoinSwitch aims to establish itself as a comprehensive wealth-tech destination for Indian investors, facilitating a seamless experience for managing all aspects of their crypto transactions.

Bank Jago is a listed technology-based bank and is a mobile on-demand services and payments platform. Jago integrated a cashless payment method on the through the Gojek app. Jago was established on December 14, 1992 by Linawati Arto Hardy in Bandung, Jawa Barat.

Ajaib is a financial technology company based in Jakarta, Indonesia, that operates an online wealth management platform aimed at democratizing access to investment opportunities. Founded in 2019, Ajaib provides a user-friendly application that allows Indonesians to buy and sell a variety of financial instruments, including stocks, exchange-traded funds (ETFs), and mutual funds. The platform is designed to be accessible to individuals from all walks of life, offering low minimum investment requirements and no account fees. Ajaib's mission is to facilitate safe, trusted, and affordable investment options, helping users save and grow their money with reduced risk.

Parafin is a financial infrastructure company that specializes in providing embedded financial products for small businesses through various online platforms. By simplifying the complexities of capital markets, underwriting, servicing, compliance, and customer support, Parafin enables small businesses to thrive even in uncertain economic conditions. The company has successfully partnered with major platforms such as Amazon, Walmart, DoorDash, and TikTok, extending over $8 billion in financing offers to support hundreds of thousands of businesses. Parafin's end-to-end payment processing solutions and one-click financing options empower retail sellers to enhance their gross merchandising volume while unlocking new revenue streams.

Axio is a consumer finance company that specializes in providing money management, pay later, and personal credit services. The company is committed to enhancing accessibility to credit for all individuals by leveraging technology to deliver innovative financial solutions. Axio focuses on reaching a wide range of consumers, particularly those who have been traditionally underserved in the financial sector. In addition to consumer financial services, Axio also offers working capital finance solutions aimed at small and medium-sized enterprises (SMEs), thereby supporting a diverse array of financial needs across different market segments. Through its comprehensive offerings, Axio seeks to empower consumers and businesses alike with the financial tools necessary for success.

KAVAK is an online platform that facilitates the buying and selling of used cars, primarily in Latin America. Founded in 2016 and headquartered in Mexico City, the company leverages real-time market data to provide sellers with fair offers for their vehicles, allowing transactions to be completed quickly and conveniently from home. KAVAK enhances the customer experience by offering services such as home delivery, vehicle collection, and pre-owned car financing, enabling users to navigate the car trading process with ease. The platform specializes in e-commerce within the automotive and retail sectors, making it a prominent player in the used car market.

Genesis Digital Assets is a prominent Bitcoin mining company known for its extensive experience in the industry. Since its inception in 2013, the company has established over 20 industrial-scale mining farms and successfully brought more than 300,000 miners online, resulting in the mining of over $1 billion in Bitcoin. Genesis Digital Assets focuses on developing proprietary mining technology and aims to make its operations profitable. The company provides comprehensive services that include building, managing, and scaling large-scale mining operations, thereby offering clients the necessary infrastructure to support the evolving landscape of the cryptocurrency market.

Vouch, Inc. is a provider of insurance products and services specifically designed for startups and high-growth companies in the United States. Founded in 2016 and based in San Francisco, the company offers a comprehensive range of insurance solutions, including general liability, business property, directors and officers, errors and omissions, cyber coverage, crime coverage, employment practices liability, hired and non-owned auto, and fiduciary liability. Vouch operates a tech-enabled platform that facilitates access to multiple insurance carriers and provides instant quoting capabilities through its MGA brand, Corix. By integrating technology and industry expertise, Vouch aims to help startups and technology-driven businesses effectively manage risk as they scale and adapt to emerging challenges.

Wave Mobile Money is a financial technology company focused on providing app-based solutions for saving, transferring, and borrowing money in Africa. With a mission to create the first cashless continent, Wave aims to address the challenge of limited access to banking services, as less than 10% of the African population has a bank account. The company is developing an inclusive financial network that offers no account fees and allows for instant transactions, making it accessible to a broader audience. By leveraging technology, Wave is creating affordable financial services that enable individuals to manage their money effectively, thereby fostering economic empowerment and contributing to poverty alleviation. Its platform supports various services, including deposits, withdrawals, bill payments, and money transfers, facilitating cashless transactions for users and businesses alike.

Offchain Labs, Inc. is a technology company based in Princeton, New Jersey, founded in 2018. It focuses on developing a decentralized platform that enhances the scalability and privacy of Ethereum smart contracts. The company's solutions cater to various sectors, including gaming, financial applications, and consortium blockchains, specifically utilizing its initial product, Arbitrum. Offchain Labs aims to provide developers and users with the benefits of off-chain transaction efficiency while maintaining the simplicity and security associated with on-chain methodologies.

Cora is an online payments company based in São Paulo, Brazil, focusing on serving self-employed individuals and small to medium-sized enterprises (SMEs). The company operates as a digital bank, currently in closed beta, with plans to launch its first product—a free mobile account tailored for SMEs. Cora aims to offer a range of financial services including payments, credit-related products, and financial management tools designed to simplify and reduce the costs associated with daily financial tasks for entrepreneurs. Founded by Igor Senra Magalhães and Leonardo Soares Barbosa Mendes, Cora's platform is intended to alleviate the bureaucratic burdens typically faced in managing day-to-day finances.

Balance is a digital payments platform based in Tel Aviv, Israel, founded in 2019 by Bar Geron and Yoni Shuster. The company specializes in enhancing the B2B online purchasing experience for both buyers and vendors. Balance's platform processes online payments using a machine learning engine that provides real-time authentication and financial risk assessment, offering businesses flexibility in payment timing.

Ualá is a financial technology company that offers a digital banking application aimed at democratizing access to financial services. The platform provides a comprehensive financial ecosystem, allowing users to manage payments, request loans, and invest in various financial products. Ualá's services include a prepaid Mastercard and savings accounts, which enhance financial inclusion by enabling users to make secure purchases and transfer money instantly through a traditional transactional payment network. The company's mission is to empower individuals by offering accessible financial solutions.

Helium Systems Inc. develops Internet-of-Things (IoT) technology, focusing on sensor devices that monitor environmental factors such as temperature, humidity, barometric pressure, motion, and light. These sensors are utilized in various applications, including facility monitoring and quality control for medical products, energy management, air quality assessment, and refrigeration temperature regulation. The company offers a web and mobile dashboard for users to manage and access sensor data. Additionally, Helium operates a decentralized wireless network that enables low-power IoT devices to connect to the internet. This network incentivizes individuals to become network operators, rewarding them with a cryptocurrency for validating network transactions and contributing to the network's integrity. Incorporated in 2013 and based in San Francisco, Helium Systems continues to innovate within the IoT landscape, enhancing the ability to gather insights from smart devices.

BharatPe is an Indian fintech company that specializes in offering financial services tailored for small and medium-sized merchants. It provides a platform for digital payments through the Unified Payments Interface (UPI) and Point of Sale (POS) devices, allowing merchants to accept payments efficiently. The company's application also features interoperable QR codes for seamless transactions, enhancing the payment experience for both merchants and customers. In addition to payment solutions, BharatPe extends its services to include business loans and various financial products, aiming to empower merchants in effectively managing their finances and growing their businesses.

Hippo Insurance Services is a home insurance provider that aims to redefine homeowner protection through a comprehensive approach. The company utilizes real-time data and smart home technology to create an integrated home protection platform designed to alleviate the concerns associated with homeownership. Headquartered in Palo Alto, California, with additional offices in Austin and Dallas, Hippo offers its insurance products to over 80 percent of U.S. homeowners across 37 states. The company covers a wide range of assets, including electronics, home offices, and appliances, while also providing unique coverage options for water backup and service lines. Hippo operates through various segments, with the majority of its revenue generated from its Insurance-as-a-Service platform, which supports third-party managing general agents. As a licensed property casualty insurance agent, Hippo collaborates with multiple insurance companies to underwrite its products.

FTX is a cryptocurrency exchange company that specializes in developing a professional trading platform, supporting features such as quarterly and perpetual futures, leveraged tokens, and OTC trading. It aims to cater to both professional trading firms and first-time users, offering an intuitive and robust trading environment. FTX was incubated by Alameda Research, ensuring it had industry order books from its inception. Additionally, FTX Ventures, its investment arm, provides equity and/or token investments to blockchain companies at various stages, supporting founders and maintaining their decision-making flexibility.

Tomo is a fintech startup dedicated to transforming the residential mortgage and home-buying experience through its subsidiaries, Tomo Mortgage and Tomo Real Estate. The company aims to simplify the complexities associated with homeownership by leveraging data, automation, and third-party API integrations. Tomo Real Estate serves as a modern real estate portal that enhances the home-buying journey by utilizing artificial intelligence and visual insights. Through its innovative platform, Tomo enables clients to complete real estate transactions more efficiently than the industry average, thus streamlining the overall process of purchasing a home.

Chipper Cash is a financial services company founded in 2017 and headquartered in San Francisco, California. It operates a software application platform that enables users to send and receive money instantly and for free across different currencies within Africa. The platform facilitates peer-to-peer cross-border money transfers in a simple manner, similar to sending a text message, enhancing financial inclusivity across the continent. Chipper Cash’s innovative approach allows users to make personal payments efficiently via their mobile devices, making it a key player in the African fintech landscape.

QuintoAndar is a digital platform that streamlines the rental process for residential real estate in Brazil, catering to both landlords and renters. Founded in February 2013 by Gabriel Braga and Andre Penha, the company is headquartered in São Paulo. QuintoAndar offers a marketplace featuring various rental listings, allowing users to schedule visits and finalize agreements without the burden of paperwork. The platform also provides rental insurance and facilitates recurring payments, eliminating the need for guarantors. By prioritizing transparency and efficiency, QuintoAndar aims to enhance the rental experience for all parties involved.

Onze is a fintech company that develops pension and financial health solutions for employees. Onze provides financial health solutions with wealth accumulation to employees, through a different and modern pension plan. Onze encourages people to develop discipline on payroll contributions, encouraging long-term investment through tax breaks, and enabling businesses to effectively motivate employees.

Figure Technologies, Inc. is a fintech company based in San Francisco, California, that specializes in providing innovative consumer financial solutions. Founded in 2018, the company leverages blockchain technology, artificial intelligence, and advanced analytics to offer a range of financial products, including home equity lines of credit, home improvement loans, and home buy-lease back offerings. Figure aims to address consumer needs related to home improvement, debt consolidation, and retirement planning, allowing customers to access capital in as few as five days. Additionally, the company features Provenance, its blockchain platform designed for business applications, further enhancing its service offerings in the financial sector.

Vise is a technology company that automates investment management for financial advisors through the use of artificial intelligence. Founded in 2016 by Samir Vasavada and Runik Mehrotra in New York, Vise offers a comprehensive platform that supports the entire advisor-client relationship. This includes the creation of personalized portfolios, management of those portfolios, and the provision of ongoing intelligence to ensure optimal performance. By leveraging advanced technology, Vise enables financial advisors to focus on what matters most: their client relationships, while also providing them with customized investment solutions and automated trade execution.

Vivid is a leading European financial platform for businesses that seamlessly integrates the management of personal and business finances. Focused on SMEs, Vivid delivers cost-effective, scalable financial solutions with best-in-class pricing, market-leading interest rates on savings and advanced business tools. Founded in 2019 in Berlin by Alexander Emeshevand Artem Iamanov, Vivid has quickly grown into one of Germany’s top financial platforms for SMEs and private accounts. Backed by Greenoaks Capital and DST Global, the company is expanding across Europe setting new standards in how businesses bank.