Ribbit Capital

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.

Tomo is a fintech startup dedicated to revolutionizing the residential mortgage and home-buying process through its subsidiaries, Tomo Mortgage and Tomo Real Estate. The company offers a modern real estate portal that leverages artificial intelligence, visual insights, and data to streamline the home-buying experience. Its platform emphasizes data-driven solutions, automation, and third-party API integrations, allowing clients to complete real estate transactions more efficiently than traditional methods. By addressing the complexities of home ownership, Tomo aims to simplify and enhance the overall experience for buyers.

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 amidst economic uncertainty. The company has successfully launched its services on major platforms like Amazon, Walmart, DoorDash, and TikTok, reaching hundreds of thousands of businesses and facilitating over $8 billion in financing offers. Parafin's offerings include one-click financing tailored for sellers on on-demand marketplaces and point-of-sale systems, helping retail sellers enhance their gross merchandising volume and open new revenue streams.

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.

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.

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 payment solutions, primarily through its application Sling. This app facilitates seamless transactions between individuals and businesses, eliminating the complexities associated with traditional banking methods, such as sort codes and IBANs. By operating at the intersection of conventional finance and cryptocurrency, Avian Labs aims to create a simplified and globalized payment experience. Their platform enables secure money transfers across borders and currencies, while also emphasizing resistance to fraud and money laundering. Additionally, Avian Labs is committed to ethical practices, as evidenced by their hiring of professionals for roles such as Compliance & Financial Crime Manager.

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 financial technology company that offers a software-as-a-service platform aimed at enhancing the efficiency of finance teams and workflows within organizations. The platform focuses on key areas such as accounts payable, accounts receivable, customer and supplier management, payments, and cash flow management. By leveraging artificial intelligence, Payflows automates essential tasks like data gathering, reporting, benchmarking, and order execution, thereby enabling businesses to minimize costs and improve the management of their operational cash flows.

Figure Markets is a company focused on redefining private capital markets through the use of blockchain technology. It has developed a digital asset platform that allows users to trade, borrow, and invest within a single decentralized environment. The platform offers a range of financial instruments, including public equity, fixed-income securities, and alternative investments. Additionally, it supports cross-collateralization across all assets, enabling investors to diversify their portfolios beyond conventional options. This approach aims to enhance accessibility and efficiency in capital markets.

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

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.

Avian Labs is a financial technology company that specializes in developing payment solutions, primarily through its application Sling. This app facilitates seamless transactions between individuals and businesses, eliminating the complexities associated with traditional banking methods, such as sort codes and IBANs. By operating at the intersection of conventional finance and cryptocurrency, Avian Labs aims to create a simplified and globalized payment experience. Their platform enables secure money transfers across borders and currencies, while also emphasizing resistance to fraud and money laundering. Additionally, Avian Labs is committed to ethical practices, as evidenced by their hiring of professionals for roles such as Compliance & Financial Crime Manager.

Sealance develops a decentralized blockchain platform tailored for the cryptocurrency sector, emphasizing privacy, identity verification, and compliance with regulations. Leveraging advanced mathematical principles and cryptographic techniques, including zero-knowledge proofs, Sealance ensures the integrity of transactions while maintaining user confidentiality. The platform provides a robust framework for certifying transactions, effectively balancing the need for financial compliance with the demands of privacy in the digital currency landscape.

Payflows is a financial technology company that offers a software-as-a-service platform aimed at enhancing the efficiency of finance teams and workflows within organizations. The platform focuses on key areas such as accounts payable, accounts receivable, customer and supplier management, payments, and cash flow management. By leveraging artificial intelligence, Payflows automates essential tasks like data gathering, reporting, benchmarking, and order execution, thereby enabling businesses to minimize costs and improve the management of their operational cash flows.

OneKey is a developer of a crypto security platform that enables users to securely store and manage various crypto assets, including cryptocurrencies, non-fungible tokens (NFTs), and decentralized applications (dapps). The platform provides an open-source crypto wallet, allowing users to buy and trade popular digital currencies such as Bitcoin, Ethereum, and Solana. With a focus on safety and convenience, OneKey aims to enhance the experience of all Web3 users by offering a reliable solution for managing their digital assets.

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 amidst economic uncertainty. The company has successfully launched its services on major platforms like Amazon, Walmart, DoorDash, and TikTok, reaching hundreds of thousands of businesses and facilitating over $8 billion in financing offers. Parafin's offerings include one-click financing tailored for sellers on on-demand marketplaces and point-of-sale systems, helping retail sellers enhance their gross merchandising volume and open new revenue streams.

Balance is a digital payments platform that enhances the B2B online purchasing experience for both buyers and vendors. Founded in 2019 and headquartered in Tel Aviv, Israel, the company offers a sophisticated checkout platform that leverages a machine learning engine for real-time authentication and financial risk assessment. This technology provides businesses with the flexibility to manage payments according to their needs, streamlining the transaction process and improving overall efficiency. Balance aims to create a more enjoyable and secure purchasing environment in the B2B sector.

Coins.ph, established in 2014 and headquartered in Pasig City, Philippines, is a fintech company that provides a mobile wallet enabling users to access various financial services. Its platform facilitates money transfers, bill payments, phone load credits, and bitcoin trading. Additionally, it offers ATM cash pickup, merchant services, and a mobile application. Coins.ph leverages blockchain technology to make financial services more accessible and convenient for consumers and small businesses.

Lightspark is a company focused on developing a crypto payment platform that aims to enhance the capabilities and utility of Bitcoin. The platform is designed to provide an enterprise-ready infrastructure for open payments, facilitating digital transactions at scale. It enables businesses and developers to accept digital payments and receive fiat currency instantly in exchange, utilizing the lightning network. By doing so, Lightspark seeks to empower organizations to transform existing financial solutions and create new systems and services that are accessible to a broader audience.

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

Tomo is a fintech startup dedicated to revolutionizing the residential mortgage and home-buying process through its subsidiaries, Tomo Mortgage and Tomo Real Estate. The company offers a modern real estate portal that leverages artificial intelligence, visual insights, and data to streamline the home-buying experience. Its platform emphasizes data-driven solutions, automation, and third-party API integrations, allowing clients to complete real estate transactions more efficiently than traditional methods. By addressing the complexities of home ownership, Tomo aims to simplify and enhance the overall experience for buyers.

Gauntlet is a developer of a financial modeling and simulation platform aimed at enhancing the safety and efficiency of blockchain protocols and smart contracts. The company's platform utilizes agent-based simulation to analyze and optimize key parameters of various protocols, which helps improve capital efficiency, fees, risk management, and incentive structures. By modeling market risk and economic incentives, Gauntlet enables clients to maximize their returns while minimizing potential risks. Its applied research and optimization teams focus on driving sustainable growth for leading crypto protocols, chains, and on-chain treasuries, ultimately enhancing financial performance for businesses in the blockchain ecosystem.

Sote, Inc. is a technology company specializing in the logistics sector, focusing on digital customs clearing and freight forwarding solutions. Established in 2017 and headquartered in San Francisco, California, with an additional office in Nairobi, Kenya, Sote provides a platform that allows industrial cargo owners to efficiently manage freight clearing and forwarding processes. The platform includes a comprehensive dashboard that tracks shipment status, payment history, and estimated container arrival times, streamlining communication among all parties involved in logistics. Additionally, Sote is dedicated to enhancing trade finance in Africa by leveraging proprietary trade data to enable banks and financial institutions to lend to corporations and SMEs without traditional collateral requirements. By bridging the trade finance gap and offering reliable credit and risk management solutions, Sote aims to empower African businesses and facilitate growth in the continent's trade landscape.

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 access and interact with digital assets securely and independently. Founded in 2018 and based in San Francisco, California, the company aggregates prices for over 50,000 cryptocurrencies across various decentralized exchanges, allowing users to buy, sell, swap, and bridge tokens at competitive rates. Slingshot offers a user-friendly experience across Web, Android, and iOS platforms, combining the performance of centralized trading with the transparency and security of decentralized finance. Its features include multiple wallet options, live price tracking, portfolio management, and customer support, making it a comprehensive tool for retail users in the cryptocurrency market. The company changed its name from DEXAG, Inc. to Slingshot in November 2020, reflecting its commitment to enhancing user experience in the evolving digital asset landscape.

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 develops a decentralized blockchain platform tailored for the cryptocurrency sector, emphasizing privacy, identity verification, and compliance with regulations. Leveraging advanced mathematical principles and cryptographic techniques, including zero-knowledge proofs, Sealance ensures the integrity of transactions while maintaining user confidentiality. The platform provides a robust framework for certifying transactions, effectively balancing the need for financial compliance with the demands of privacy in the digital currency landscape.

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.

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.

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.

Futureswap is a decentralized futures exchange platform that leverages blockchain technology to facilitate non-custodial trading. Based in San Francisco, California, the company specializes in automated market making (AMM) algorithms, enabling users to buy and sell cryptocurrency futures contracts efficiently. By providing a decentralized environment, Futureswap aims to enhance trading flexibility and security for its users.

Futureswap is a decentralized futures exchange platform that leverages blockchain technology to facilitate non-custodial trading. Based in San Francisco, California, the company specializes in automated market making (AMM) algorithms, enabling users to buy and sell cryptocurrency futures contracts efficiently. By providing a decentralized environment, Futureswap aims to enhance trading flexibility and security for its users.

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.

Ajaib is a financial technology company based in Jakarta, Indonesia, that provides an online wealth management platform designed to democratize access to investment opportunities. Founded in 2019, Ajaib allows users to buy and sell stocks, exchange-traded funds (ETFs), and mutual funds through its user-friendly application. The platform is aimed at making investing accessible to all Indonesians, regardless of their financial background, by offering low minimum investment requirements and no account fees. Ajaib's mission is to provide safe, trusted, and affordable investment options, enabling individuals to save and grow their wealth effectively while minimizing risk.

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.

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 amidst economic uncertainty. The company has successfully launched its services on major platforms like Amazon, Walmart, DoorDash, and TikTok, reaching hundreds of thousands of businesses and facilitating over $8 billion in financing offers. Parafin's offerings include one-click financing tailored for sellers on on-demand marketplaces and point-of-sale systems, helping retail sellers enhance their gross merchandising volume and open 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.

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 a digital bank based in São Paulo, Brazil, focused on serving self-employed individuals and small to medium-sized enterprises (SMEs). The company is currently in closed beta, preparing to launch its first product, a free mobile account tailored exclusively for SMEs. Cora aims to streamline financial processes by offering a modern platform that reduces bureaucracy and simplifies day-to-day financial tasks for entrepreneurs. In addition to the mobile account, Cora plans to introduce a range of payment solutions, credit products, and financial management tools, all designed to support the unique needs of small businesses. Founded by Igor Senra Magalhães and Leonardo Soares Barbosa Mendes, Cora seeks to enhance the financial landscape for SMEs in Brazil.

Balance is a digital payments platform that enhances the B2B online purchasing experience for both buyers and vendors. Founded in 2019 and headquartered in Tel Aviv, Israel, the company offers a sophisticated checkout platform that leverages a machine learning engine for real-time authentication and financial risk assessment. This technology provides businesses with the flexibility to manage payments according to their needs, streamlining the transaction process and improving overall efficiency. Balance aims to create a more enjoyable and secure purchasing environment in the B2B sector.

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.

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.

Tomo is a fintech startup dedicated to revolutionizing the residential mortgage and home-buying process through its subsidiaries, Tomo Mortgage and Tomo Real Estate. The company offers a modern real estate portal that leverages artificial intelligence, visual insights, and data to streamline the home-buying experience. Its platform emphasizes data-driven solutions, automation, and third-party API integrations, allowing clients to complete real estate transactions more efficiently than traditional methods. By addressing the complexities of home ownership, Tomo aims to simplify and enhance the overall experience for buyers.

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 financial technology company based in San Francisco, California, established in 2018. It specializes in consumer financial solutions that include home equity lines of credit, home improvement loans, home buy-lease back offerings, mortgage refinancing, and student loan refinancing. Using its proprietary blockchain platform, Provenance, Figure aims to streamline the borrowing process, allowing customers to access capital in as few as five days. The company's services are designed to assist individuals with home improvement, debt consolidation, and retirement planning, leveraging advanced technologies such as artificial intelligence and analytics to enhance operational efficiency and customer experience.

Warren Investimentos is an investment brokerage and wealth management firm based in Brazil, specializing in providing tailored investment solutions for clients at various life stages. The company distinguishes itself as the first in Brazil to adopt a goal-based investment model, a strategy previously utilized primarily by ultra-high-net-worth individuals abroad. Warren Investimentos emphasizes a client-centric approach that aligns its services with the specific objectives of each investor, effectively mitigating conflicts of interest that often arise in the market. Through its innovative wealth management platform, the firm enables clients to set investment goals, analyze results, and track performance, thereby facilitating informed decision-making and enhancing the overall investment experience.

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.

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.

Cora is a digital bank based in São Paulo, Brazil, focused on serving self-employed individuals and small to medium-sized enterprises (SMEs). The company is currently in closed beta, preparing to launch its first product, a free mobile account tailored exclusively for SMEs. Cora aims to streamline financial processes by offering a modern platform that reduces bureaucracy and simplifies day-to-day financial tasks for entrepreneurs. In addition to the mobile account, Cora plans to introduce a range of payment solutions, credit products, and financial management tools, all designed to support the unique needs of small businesses. Founded by Igor Senra Magalhães and Leonardo Soares Barbosa Mendes, Cora seeks to enhance the financial landscape for SMEs in Brazil.

Ajaib is a financial technology company based in Jakarta, Indonesia, that provides an online wealth management platform designed to democratize access to investment opportunities. Founded in 2019, Ajaib allows users to buy and sell stocks, exchange-traded funds (ETFs), and mutual funds through its user-friendly application. The platform is aimed at making investing accessible to all Indonesians, regardless of their financial background, by offering low minimum investment requirements and no account fees. Ajaib's mission is to provide safe, trusted, and affordable investment options, enabling individuals to save and grow their wealth effectively while minimizing risk.

Fireblocks Inc. is a New York-based company founded in 2018 that specializes in blockchain-based security solutions for digital asset management. Its platform is designed to securely transfer digital assets between exchanges, wallets, custodians, and counterparties, catering primarily to financial institutions such as banks, fintech companies, and hedge funds. The company employs advanced technologies, including a patent-pending chip isolation security and model predictive control (MPC), to enhance the security of assets in transit. Fireblocks enables its clients to manage and streamline their digital asset operations effectively, ensuring the protection of funds while facilitating their movement across various platforms. Additionally, Fireblocks has an operational presence in Tel Aviv, Israel.

Coalition, Inc. is an insurance provider based in San Francisco, California, specializing in cyber risk management. Founded in 2017, the company offers a blend of comprehensive insurance coverage and proactive cybersecurity tools tailored for various industries, including healthcare, retail, technology, and more. Coalition's Active Risk Platform equips businesses with automated security alerts, threat intelligence, and expert guidance to enhance their resilience against cyber threats. By integrating risk assessment, security protection, and response capabilities, Coalition enables organizations to effectively mitigate and prevent potential cyber-attacks and associated losses. The company serves clients in the United States and Canada while providing its security solutions globally, supported by prominent global insurers.

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.

Robinhood Financial LLC is an online brokerage firm that provides commission-free trading services to self-directed investors through its mobile application and website. Established in 2012 and headquartered in Menlo Park, California, the company, previously known as Chronos Financial, LLC, rebranded in 2013. As a subsidiary of Robinhood Markets, Inc., Robinhood offers a comprehensive platform for trading stocks, options, exchange-traded funds (ETFs), and cryptocurrencies. The firm aims to democratize access to financial markets, allowing users to trade and manage their investments easily. Its innovative platform includes features such as fractional shares, recurring investments, and IPO access. Robinhood generates revenue primarily by routing user orders to market makers, facilitating transactions across various asset classes.

Robinhood Financial LLC is an online brokerage firm that provides commission-free trading services to self-directed investors through its mobile application and website. Established in 2012 and headquartered in Menlo Park, California, the company, previously known as Chronos Financial, LLC, rebranded in 2013. As a subsidiary of Robinhood Markets, Inc., Robinhood offers a comprehensive platform for trading stocks, options, exchange-traded funds (ETFs), and cryptocurrencies. The firm aims to democratize access to financial markets, allowing users to trade and manage their investments easily. Its innovative platform includes features such as fractional shares, recurring investments, and IPO access. Robinhood generates revenue primarily by routing user orders to market makers, facilitating transactions across various asset classes.

Nubank is a prominent digital bank revolutionizing finance with its customer-centric approach. It provides a variety of services, including credit cards, personal loans, and digital payments, all accessible through a simple mobile app. Known for transparency, ease of use, and low fees, Nubank aims to empower users with innovative solutions for better financial management.

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.

Hazel is an fintech company formed with partnership with Walmart and Ribbit Capital.

CRED is a members-only credit card management and bill payments platform that rewards users every time they pay their credit card bills. The fintech startup operates an app that rewards customers for paying their credit card bills on time and gives them access to a range of additional services such as credit and a premium catalog of products from high-end brands. Customers are offered a range of features which include the ability to better track spending across various credit cards, and get reminders. Cred is backed by investors such as Falcon Edge Capital, Coatue Management, Insight Partners, DST Global, RTP Global, Tiger Global, Greenoaks Capital, Dragoneer Investment Group, and Sofina. It was established in Bengaluru, Karnataka by Kunal Shah in 2017.

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.

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.

Tomo is a fintech startup dedicated to revolutionizing the residential mortgage and home-buying process through its subsidiaries, Tomo Mortgage and Tomo Real Estate. The company offers a modern real estate portal that leverages artificial intelligence, visual insights, and data to streamline the home-buying experience. Its platform emphasizes data-driven solutions, automation, and third-party API integrations, allowing clients to complete real estate transactions more efficiently than traditional methods. By addressing the complexities of home ownership, Tomo aims to simplify and enhance the overall experience for buyers.

Robinhood Financial LLC is an online brokerage firm that provides commission-free trading services to self-directed investors through its mobile application and website. Established in 2012 and headquartered in Menlo Park, California, the company, previously known as Chronos Financial, LLC, rebranded in 2013. As a subsidiary of Robinhood Markets, Inc., Robinhood offers a comprehensive platform for trading stocks, options, exchange-traded funds (ETFs), and cryptocurrencies. The firm aims to democratize access to financial markets, allowing users to trade and manage their investments easily. Its innovative platform includes features such as fractional shares, recurring investments, and IPO access. Robinhood generates revenue primarily by routing user orders to market makers, facilitating transactions across various asset classes.

Relay Payments Inc. is a fintech company based in Atlanta, Georgia, that operates an electronic payments platform specifically designed for the transportation, logistics, and supply chain industries. Founded in 2018, Relay Payments offers a service called Relay One, which enables merchants to accept payments from various payment forms globally. The company has developed a payment network that facilitates direct, instant payments, thereby modernizing an industry that has traditionally relied on cash and checks. Relay Payments processes over 300,000 transactions each month, working closely with major carriers, freight brokers, and third-party logistics providers to streamline payment processes. This innovation helps ensure that consumer products reach retail shelves quickly and efficiently, enhancing operational effectiveness within the logistics sector.

Warren Investimentos is an investment brokerage and wealth management firm based in Brazil, specializing in providing tailored investment solutions for clients at various life stages. The company distinguishes itself as the first in Brazil to adopt a goal-based investment model, a strategy previously utilized primarily by ultra-high-net-worth individuals abroad. Warren Investimentos emphasizes a client-centric approach that aligns its services with the specific objectives of each investor, effectively mitigating conflicts of interest that often arise in the market. Through its innovative wealth management platform, the firm enables clients to set investment goals, analyze results, and track performance, thereby facilitating informed decision-making and enhancing the overall investment experience.

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.

Coalition, Inc. is an insurance provider based in San Francisco, California, specializing in cyber risk management. Founded in 2017, the company offers a blend of comprehensive insurance coverage and proactive cybersecurity tools tailored for various industries, including healthcare, retail, technology, and more. Coalition's Active Risk Platform equips businesses with automated security alerts, threat intelligence, and expert guidance to enhance their resilience against cyber threats. By integrating risk assessment, security protection, and response capabilities, Coalition enables organizations to effectively mitigate and prevent potential cyber-attacks and associated losses. The company serves clients in the United States and Canada while providing its security solutions globally, supported by prominent global insurers.

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 amidst economic uncertainty. The company has successfully launched its services on major platforms like Amazon, Walmart, DoorDash, and TikTok, reaching hundreds of thousands of businesses and facilitating over $8 billion in financing offers. Parafin's offerings include one-click financing tailored for sellers on on-demand marketplaces and point-of-sale systems, helping retail sellers enhance their gross merchandising volume and open new revenue streams.

Robinhood Financial LLC is an online brokerage firm that provides commission-free trading services to self-directed investors through its mobile application and website. Established in 2012 and headquartered in Menlo Park, California, the company, previously known as Chronos Financial, LLC, rebranded in 2013. As a subsidiary of Robinhood Markets, Inc., Robinhood offers a comprehensive platform for trading stocks, options, exchange-traded funds (ETFs), and cryptocurrencies. The firm aims to democratize access to financial markets, allowing users to trade and manage their investments easily. Its innovative platform includes features such as fractional shares, recurring investments, and IPO access. Robinhood generates revenue primarily by routing user orders to market makers, facilitating transactions across various asset classes.

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.

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.

Epifi Technologies Pvt. Ltd., founded in 2019 and based in Bengaluru, India, operates as a digital bank without physical branches, targeting young millennial workers and digital natives. The company offers a comprehensive range of online and mobile-first financial services, including payment solutions, money transfers, and lending services. By partnering with licensed banks, Epifi creates a secure platform that serves as a primary hub for consumers, enabling them to access co-branded debit cards and integrate their existing financial products into a single mobile banking interface. Utilizing customer insights and advanced technology, Epifi aims to simplify the banking experience and support users in achieving financial freedom.

Teya is a comprehensive solution tailored for small and growing businesses, offering a suite of services that facilitate efficient management and growth. The company specializes in payment processing, providing fast and secure transaction capabilities, along with cloud-native business management software. Teya's offerings include issuer payment processing and cash advance services, which assist merchants in enhancing their operations. With a commitment to supporting over 300,000 business owners, Teya enables them to effectively manage their businesses and fosters a positive experience in their entrepreneurial journey.

Figure Technologies, Inc. is a financial technology company based in San Francisco, California, established in 2018. It specializes in consumer financial solutions that include home equity lines of credit, home improvement loans, home buy-lease back offerings, mortgage refinancing, and student loan refinancing. Using its proprietary blockchain platform, Provenance, Figure aims to streamline the borrowing process, allowing customers to access capital in as few as five days. The company's services are designed to assist individuals with home improvement, debt consolidation, and retirement planning, leveraging advanced technologies such as artificial intelligence and analytics to enhance operational efficiency and customer experience.

Cora is a digital bank based in São Paulo, Brazil, focused on serving self-employed individuals and small to medium-sized enterprises (SMEs). The company is currently in closed beta, preparing to launch its first product, a free mobile account tailored exclusively for SMEs. Cora aims to streamline financial processes by offering a modern platform that reduces bureaucracy and simplifies day-to-day financial tasks for entrepreneurs. In addition to the mobile account, Cora plans to introduce a range of payment solutions, credit products, and financial management tools, all designed to support the unique needs of small businesses. Founded by Igor Senra Magalhães and Leonardo Soares Barbosa Mendes, Cora seeks to enhance the financial landscape for SMEs in Brazil.

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.

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.

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.

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.

CRED is a members-only credit card management and bill payments platform that rewards users every time they pay their credit card bills. The fintech startup operates an app that rewards customers for paying their credit card bills on time and gives them access to a range of additional services such as credit and a premium catalog of products from high-end brands. Customers are offered a range of features which include the ability to better track spending across various credit cards, and get reminders. Cred is backed by investors such as Falcon Edge Capital, Coatue Management, Insight Partners, DST Global, RTP Global, Tiger Global, Greenoaks Capital, Dragoneer Investment Group, and Sofina. It was established in Bengaluru, Karnataka by Kunal Shah in 2017.

Nubank is a prominent digital bank revolutionizing finance with its customer-centric approach. It provides a variety of services, including credit cards, personal loans, and digital payments, all accessible through a simple mobile app. Known for transparency, ease of use, and low fees, Nubank aims to empower users with innovative solutions for better financial management.

Robinhood Financial LLC is an online brokerage firm that provides commission-free trading services to self-directed investors through its mobile application and website. Established in 2012 and headquartered in Menlo Park, California, the company, previously known as Chronos Financial, LLC, rebranded in 2013. As a subsidiary of Robinhood Markets, Inc., Robinhood offers a comprehensive platform for trading stocks, options, exchange-traded funds (ETFs), and cryptocurrencies. The firm aims to democratize access to financial markets, allowing users to trade and manage their investments easily. Its innovative platform includes features such as fractional shares, recurring investments, and IPO access. Robinhood generates revenue primarily by routing user orders to market makers, facilitating transactions across various asset classes.

Raisin is an online financial marketplace based in Berlin, Germany, that connects retail customers with banks seeking to expand their deposit base. Established in 2012, Raisin aims to help savers access the best interest rates available across Europe by offering a range of exclusive savings and investment products. The platform allows users to choose from various options, including overnight flexible savings and long-term deposits, enabling them to earn competitive returns by depositing their money in different banks. Raisin ensures a seamless investment process and simplifies the management of investments through a single platform, enhancing the experience for both individuals and businesses. In June 2021, Raisin expanded its capabilities through a merger with Deposit Solutions, further solidifying its position in the market.

Bonify is a Berlin-based FinTech startup that provides customers with access to their credit scoring and financial data, aiming to enhance their financial well-being. Founded in 2015 by former executives from McKinsey and Zalando, Bonify offers a mobile platform that allows users to check and correct their credit scores, monitor changes, and receive personalized recommendations for optimizing their financial situation. The service includes easy-to-read credit reports and real-time evaluations of creditworthiness, all at no charge to the user. The company has garnered significant investment from leading venture capital firms and successful entrepreneurs, underscoring its potential in the financial technology sector.

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.

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.

Coalition, Inc. is an insurance provider based in San Francisco, California, specializing in cyber risk management. Founded in 2017, the company offers a blend of comprehensive insurance coverage and proactive cybersecurity tools tailored for various industries, including healthcare, retail, technology, and more. Coalition's Active Risk Platform equips businesses with automated security alerts, threat intelligence, and expert guidance to enhance their resilience against cyber threats. By integrating risk assessment, security protection, and response capabilities, Coalition enables organizations to effectively mitigate and prevent potential cyber-attacks and associated losses. The company serves clients in the United States and Canada while providing its security solutions globally, supported by prominent global insurers.

ZestMoney is a consumer lending fintech company founded in 2016 by Priya Sharma, Lizzie Chapman, and Ashish Anantharaman. The company offers a digital lending platform that enables retail consumers to access small loans through Equated Monthly Installments (EMIs) without the requirement of a credit card or credit score. By leveraging mobile technology, digital banking, and artificial intelligence, ZestMoney aims to democratize access to financing for millions of Indian consumers. The platform utilizes AI and machine learning for effective risk profiling, allowing clients to build their credit profiles and improve their credit scores. ZestMoney collaborates with various financial institutions and non-banking financial companies to facilitate these loans, thereby enhancing financial inclusion.

Affirm, Inc. is a financial technology company that provides a closed-end installment loan product designed to facilitate consumer purchases at the point of sale. Founded in 2012 and headquartered in San Francisco, California, with an additional office in Chicago, the company aims to offer a transparent alternative to traditional credit cards. Affirm allows consumers to select a payment plan that fits their budget at checkout, enabling them to make monthly payments without hidden fees or unexpected costs. The company partners with over 2,000 merchants across various sectors, including retail, travel, and electronics, to provide shoppers with flexible payment options. Affirm's platform is designed to empower consumers by promoting accountability and accessibility in financial services.

Warren Investimentos is an investment brokerage and wealth management firm based in Brazil, specializing in providing tailored investment solutions for clients at various life stages. The company distinguishes itself as the first in Brazil to adopt a goal-based investment model, a strategy previously utilized primarily by ultra-high-net-worth individuals abroad. Warren Investimentos emphasizes a client-centric approach that aligns its services with the specific objectives of each investor, effectively mitigating conflicts of interest that often arise in the market. Through its innovative wealth management platform, the firm enables clients to set investment goals, analyze results, and track performance, thereby facilitating informed decision-making and enhancing the overall investment experience.

Figure Technologies, Inc. is a financial technology company based in San Francisco, California, established in 2018. It specializes in consumer financial solutions that include home equity lines of credit, home improvement loans, home buy-lease back offerings, mortgage refinancing, and student loan refinancing. Using its proprietary blockchain platform, Provenance, Figure aims to streamline the borrowing process, allowing customers to access capital in as few as five days. The company's services are designed to assist individuals with home improvement, debt consolidation, and retirement planning, leveraging advanced technologies such as artificial intelligence and analytics to enhance operational efficiency and customer experience.

Raisin is an online financial marketplace based in Berlin, Germany, that connects retail customers with banks seeking to expand their deposit base. Established in 2012, Raisin aims to help savers access the best interest rates available across Europe by offering a range of exclusive savings and investment products. The platform allows users to choose from various options, including overnight flexible savings and long-term deposits, enabling them to earn competitive returns by depositing their money in different banks. Raisin ensures a seamless investment process and simplifies the management of investments through a single platform, enhancing the experience for both individuals and businesses. In June 2021, Raisin expanded its capabilities through a merger with Deposit Solutions, further solidifying its position in the market.

Earnin is a financial technology company that offers a payroll disbursement platform, allowing employees to access their earned wages in real time without incurring interest or fees. Launched in 2014, the company utilizes mobile technology to empower users by providing the flexibility to receive their pay anytime, directly from their smartphones. The platform tracks an employee's worked hours through electronic timesheets and facilitates direct deposits, enabling individuals to manage their finances more effectively and avoid late payment or overdraft fees. By breaking the traditional biweekly pay cycle, Earnin aims to enhance financial control for users, making it easier to meet their financial obligations as they arise.

Toss is a South Korea-based mobile financial service platform developed by the fintech startup Viva Republica, established in 2011 by Seunggun Lee in Seoul. The platform offers a range of services aimed at simplifying financial management for users, including peer-to-peer money transfers, credit score management, and bank account oversight. Additionally, Toss provides access to loan and insurance plans, facilitates bill splitting, and supports QR payments. These features collectively enable users to handle their financial needs efficiently and conveniently.