Ribbit Capital

PhonePe is a mobile payments app that allows users to transfer money instantly to anyone, by using just their mobile number. The company aims to make digital payments so easy, safe, and universally accepted that people never feel the need to carry cash or cards again. Its online payment system is based on Unified Payments Interface (UPI) and a digital wallet. PhonePe strives to make commerce a seamless experience for both customers and businesses.

Delphia believes data is the key to capital formation and economic empowerment. We build products that incentivize the contribution of proprietary data in order to generate an edge in financial markets. We believe that actively managing people’s data can unlock new forms of wealth creation for individual and institutional investors alike.

Fenbeitong is the enterprise consumption platform for full process control. Through intelligent control rules and reminding measures, Debeitong helps enterprises to save a lot of money during travel, car use, procurement and other public consumption. Through the credit monthly payment and unified invoice consumption mode, Debeitong helps employees to spare money. , free of charge, no reimbursement, greatly improve the efficiency of business operations.

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.

Gorila is a Fintech that helps investors and advisors control of their portfolio.

Upgrade is a neobank that offers credit to mainstream consumers through cards and personal loans, together with free credit monitoring and education tools that help consumers understand and manage their finances. Upgrade Card provides an innovative credit card that brings the low cost and responsible credit of installment lending to millions of retail locations in the U.S., while Upgrade Account is a mobile banking product offered to mainstream consumers.

Axio is a consumer finance company that focuses on providing accessible money management, pay later options, and personal credit services. By leveraging technology, Axio aims to make credit available to a broad audience, particularly targeting traditionally underserved consumers. Additionally, the company operates as an online platform offering working capital finance to small and medium-sized enterprises (SMEs), thereby supporting their financial needs and growth.

Cora is a digital bank for self-employed and small & medium enterprises. The company is currently operating in closed beta and plans to launch its first product, a free SME-only mobile account. Cora will later release a portfolio of payments, credit-related products, and financial management tools that are currently being developed. They have developed a modern platform that offers a cheaper and simpler service, freeing entrepreneurs from the bureaucracy and repetitive work that usually involves day-to-day finance. Cora was founded by Igor Senra Magalhães and Leonardo Soares Barbosa Mendes and is headquartered in São Paulo, Sao Paulo, Brazil.

Ualá is a financial technology company that offers a digital banking application designed to enhance financial inclusion. The platform allows users to manage payments, request loans, and invest in a variety of financial products. Ualá provides services such as a prepaid Mastercard and savings accounts, facilitating safe and immediate money transfers through a traditional transactional payment network. By democratizing access to financial services, Ualá aims to empower individuals with the tools necessary for effective financial management.

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.

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.

Warren Investimentos is an investment brokerage and wealth management firm based in Brazil, known for pioneering the goal-based investment model previously utilized by ultra-high-net-worth individuals abroad. The firm offers a comprehensive and tailored experience that aligns with the specific life stages and objectives of each investor. By leveraging its innovative wealth management platform, Warren Investimentos assists clients in creating investment goals and analyzing results, while ensuring a conflict-free environment for investment decisions. This approach not only enhances client experience but also enables users to efficiently track their investments and visualize product profitability, reinforcing Warren Investimentos' commitment to safeguarding clients' interests in a transparent manner.

Plaid is the technology platform providing the tools and access needed for the development of a fully modern, and digitally-enabled financial system. Plaid makes it easier and safer for developers from the smallest startups to the largest financial institutions to build innovative financial services and applications. Plaid offers beautiful consumer experiences, developer-friendly infrastructure, and intelligence tools that give everyone the ability to build the future of financial services. Plaid was launched by William Hockey and Zach Perret in 2012 and is headquartered in San Francisco, California.

Cora is a digital bank for self-employed and small & medium enterprises. The company is currently operating in closed beta and plans to launch its first product, a free SME-only mobile account. Cora will later release a portfolio of payments, credit-related products, and financial management tools that are currently being developed. They have developed a modern platform that offers a cheaper and simpler service, freeing entrepreneurs from the bureaucracy and repetitive work that usually involves day-to-day finance. Cora was founded by Igor Senra Magalhães and Leonardo Soares Barbosa Mendes and is headquartered in São Paulo, Sao Paulo, Brazil.

Fenbeitong is the enterprise consumption platform for full process control. Through intelligent control rules and reminding measures, Debeitong helps enterprises to save a lot of money during travel, car use, procurement and other public consumption. Through the credit monthly payment and unified invoice consumption mode, Debeitong helps employees to spare money. , free of charge, no reimbursement, greatly improve the efficiency of business operations.

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

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.

Warren Investimentos is an investment brokerage and wealth management firm based in Brazil, known for pioneering the goal-based investment model previously utilized by ultra-high-net-worth individuals abroad. The firm offers a comprehensive and tailored experience that aligns with the specific life stages and objectives of each investor. By leveraging its innovative wealth management platform, Warren Investimentos assists clients in creating investment goals and analyzing results, while ensuring a conflict-free environment for investment decisions. This approach not only enhances client experience but also enables users to efficiently track their investments and visualize product profitability, reinforcing Warren Investimentos' commitment to safeguarding clients' interests in a transparent manner.

Upgrade is a neobank that offers credit to mainstream consumers through cards and personal loans, together with free credit monitoring and education tools that help consumers understand and manage their finances. Upgrade Card provides an innovative credit card that brings the low cost and responsible credit of installment lending to millions of retail locations in the U.S., while Upgrade Account is a mobile banking product offered to mainstream consumers.

Fenbeitong is the enterprise consumption platform for full process control. Through intelligent control rules and reminding measures, Debeitong helps enterprises to save a lot of money during travel, car use, procurement and other public consumption. Through the credit monthly payment and unified invoice consumption mode, Debeitong helps employees to spare money. , free of charge, no reimbursement, greatly improve the efficiency of business operations.

Axio is a consumer finance company that focuses on providing accessible money management, pay later options, and personal credit services. By leveraging technology, Axio aims to make credit available to a broad audience, particularly targeting traditionally underserved consumers. Additionally, the company operates as an online platform offering working capital finance to small and medium-sized enterprises (SMEs), thereby supporting their financial needs and growth.

Fi is a financial app that comes with an in-built savings account. Emboldened by cutting edge tech, Fi helps its users know their money, grow their money, and organize their funds. Users access Fi's Savings Account & VISA debit card, through its partnership with RBI-licensed Federal Bank.

Cora is a digital bank for self-employed and small & medium enterprises. The company is currently operating in closed beta and plans to launch its first product, a free SME-only mobile account. Cora will later release a portfolio of payments, credit-related products, and financial management tools that are currently being developed. They have developed a modern platform that offers a cheaper and simpler service, freeing entrepreneurs from the bureaucracy and repetitive work that usually involves day-to-day finance. Cora was founded by Igor Senra Magalhães and Leonardo Soares Barbosa Mendes and is headquartered in São Paulo, Sao Paulo, Brazil.

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.

Ualá is a financial technology company that offers a digital banking application designed to enhance financial inclusion. The platform allows users to manage payments, request loans, and invest in a variety of financial products. Ualá provides services such as a prepaid Mastercard and savings accounts, facilitating safe and immediate money transfers through a traditional transactional payment network. By democratizing access to financial services, Ualá aims to empower individuals with the tools necessary for effective financial management.

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

Gorila is a Fintech that helps investors and advisors control of their portfolio.

Gorila is a Fintech that helps investors and advisors control of their portfolio.

Bonify, a Berlin based FinTech-Start-up, enables customers to benefit from their credit scoring and financial data. The company gives customers free and easy access to their credit score and let them upload additional relevant data. Then, it offers tools and personalized recommendations to help optimize the customer’s financial situation. Founded in 2015 by key executives of McKinsey and Zalando, bonify has received significant funding from internationally leading VCs and successful entrepreneurs.

ZestMoney is a consumer lending fintech company based in India that facilitates digital equated monthly installment (EMI) payments without requiring a credit card or credit score. Founded in 2016 by Priya Sharma, Lizzie Chapman, and Ashish Anantharaman, ZestMoney aims to make EMI accessibility available to a broader audience. The company employs artificial intelligence and machine learning for customer risk profiling, allowing it to offer small loans to retail consumers. By collaborating with financial institutions and non-banking financial companies, ZestMoney enables clients to build their credit profiles and improve their credit scores. The firm is backed by prominent investors in digital financial services, including PayU and Ribbit Capital.

Affirm is a financial technology company based in San Francisco, California, that specializes in providing installment loans to consumers at the point of sale. Founded in 2012, Affirm offers a platform that allows users to make purchases from online merchants and pay for them in fixed monthly installments. This service provides a transparent alternative to traditional credit cards, as it enables consumers to see upfront what they will pay each month, without hidden fees or unexpected costs. Affirm partners with over 2,000 merchants across various sectors, including retail, travel, and personal fitness, allowing shoppers to select Affirm as a payment option at checkout. The company aims to empower consumers with honest financial products and improve accessibility in the banking industry.

Warren Investimentos is an investment brokerage and wealth management firm based in Brazil, known for pioneering the goal-based investment model previously utilized by ultra-high-net-worth individuals abroad. The firm offers a comprehensive and tailored experience that aligns with the specific life stages and objectives of each investor. By leveraging its innovative wealth management platform, Warren Investimentos assists clients in creating investment goals and analyzing results, while ensuring a conflict-free environment for investment decisions. This approach not only enhances client experience but also enables users to efficiently track their investments and visualize product profitability, reinforcing Warren Investimentos' commitment to safeguarding clients' interests in a transparent manner.

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.

Earnin is a payroll disbursement platform that enables employees to access their earned wages in real time, rather than waiting for traditional biweekly paychecks. Launched in 2014, the service allows users to receive their pay any time and day via a smartphone application, utilizing an electronic timesheet and direct deposit. Earnin does not charge fees or interest; instead, users can voluntarily contribute what they consider fair for the service. This innovative approach aims to empower consumers by providing them greater financial control, helping them manage their expenses and avoid late or overdraft fees. The company has garnered support from various funding partners, including prominent venture capital firms. For more information, users can visit Earnin's website.

Money View is an application that can track and organize expenses, bills, and account balances. It can derive finance information from SMSs.

Toss is a South Korean mobile financial service platform operated by the fintech startup Viva Republica, founded in 2011 by Seunggun Lee in Seoul. The application provides a range of financial services, including peer-to-peer money transfers, credit score management, bank account oversight, and access to loans and insurance plans. Additionally, Toss offers features such as bill-splitting and QR payment options, all designed to facilitate hassle-free financial management for its users.

Bonify, a Berlin based FinTech-Start-up, enables customers to benefit from their credit scoring and financial data. The company gives customers free and easy access to their credit score and let them upload additional relevant data. Then, it offers tools and personalized recommendations to help optimize the customer’s financial situation. Founded in 2015 by key executives of McKinsey and Zalando, bonify has received significant funding from internationally leading VCs and successful entrepreneurs.

Ualá is a financial technology company that offers a digital banking application designed to enhance financial inclusion. The platform allows users to manage payments, request loans, and invest in a variety of financial products. Ualá provides services such as a prepaid Mastercard and savings accounts, facilitating safe and immediate money transfers through a traditional transactional payment network. By democratizing access to financial services, Ualá aims to empower individuals with the tools necessary for effective financial management.

ZestMoney is a consumer lending fintech company based in India that facilitates digital equated monthly installment (EMI) payments without requiring a credit card or credit score. Founded in 2016 by Priya Sharma, Lizzie Chapman, and Ashish Anantharaman, ZestMoney aims to make EMI accessibility available to a broader audience. The company employs artificial intelligence and machine learning for customer risk profiling, allowing it to offer small loans to retail consumers. By collaborating with financial institutions and non-banking financial companies, ZestMoney enables clients to build their credit profiles and improve their credit scores. The firm is backed by prominent investors in digital financial services, including PayU and Ribbit Capital.

Upgrade is a neobank that offers credit to mainstream consumers through cards and personal loans, together with free credit monitoring and education tools that help consumers understand and manage their finances. Upgrade Card provides an innovative credit card that brings the low cost and responsible credit of installment lending to millions of retail locations in the U.S., while Upgrade Account is a mobile banking product offered to mainstream consumers.

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.

ForUsAll is a 401(k) platform that provides access to cryptocurrency. It also provides a cloud-based financial platform that gives advice to small and mid-sized businesses on 401(k) plans. Through its consultants and investment adviser, it advises companies to lower administrative workload, reduce fiduciary liabilities, and improve the employee experience by automating the elements of plan administration and driving employee success through retirement assets.

Wealthfront Inc. is a privately owned investment manager based in Redwood City, California, that primarily serves individuals, including high net worth clients and organizations. The firm focuses on integrating investing and saving products to assist young professionals in building long-term wealth across various market conditions. Wealthfront offers high-yield savings, diversified investment options, and low-cost loans through its automated wealth management platform, which is accessible via a mobile application. The company's robo-advisor facilitates investment account openings, providing users with access to investment strategies and comprehensive financial planning services. Wealthfront currently manages over $30 billion for more than 500,000 clients in the United States and has received numerous accolades for its services, including recognition as a leading automated investment app and robo-advisor.

Affirm is a financial technology company based in San Francisco, California, that specializes in providing installment loans to consumers at the point of sale. Founded in 2012, Affirm offers a platform that allows users to make purchases from online merchants and pay for them in fixed monthly installments. This service provides a transparent alternative to traditional credit cards, as it enables consumers to see upfront what they will pay each month, without hidden fees or unexpected costs. Affirm partners with over 2,000 merchants across various sectors, including retail, travel, and personal fitness, allowing shoppers to select Affirm as a payment option at checkout. The company aims to empower consumers with honest financial products and improve accessibility in the banking industry.

Guiabolso is the fintech transforming the Brazilian financial system by pioneering Open Banking, to bring the benefits of open data access and analytics to millions of consumers and a fast-growing number of corporate customers. Launched in 2014, the Guiabolso app has a huge amount of granular financial data about its 6M users, powering consumer solutions of consolidated financial management, an in-app curated product marketplace and instant payment capabilities, while providing product partners access to unique segmenting and scoring capabilities. In addition, Guiabolso is the only company in Brazil with a fully launched and calibrated end-to-end Open Banking solution for B2B clients, going beyond just bank account data aggregation to offer modular value-add solutions such as advanced analytics, a white-label marketplace, and personal financial management features. The company was founded by Thiago Alvarez and Benjamin Gleason, two friends who met at McKinsey and aspired to use innovative technology and a focus on consumer impact to improve the lives of Brazilians and transform the financial system.

Earnin is a payroll disbursement platform that enables employees to access their earned wages in real time, rather than waiting for traditional biweekly paychecks. Launched in 2014, the service allows users to receive their pay any time and day via a smartphone application, utilizing an electronic timesheet and direct deposit. Earnin does not charge fees or interest; instead, users can voluntarily contribute what they consider fair for the service. This innovative approach aims to empower consumers by providing them greater financial control, helping them manage their expenses and avoid late or overdraft fees. The company has garnered support from various funding partners, including prominent venture capital firms. For more information, users can visit Earnin's website.

Axio is a consumer finance company that focuses on providing accessible money management, pay later options, and personal credit services. By leveraging technology, Axio aims to make credit available to a broad audience, particularly targeting traditionally underserved consumers. Additionally, the company operates as an online platform offering working capital finance to small and medium-sized enterprises (SMEs), thereby supporting their financial needs and growth.

Funding Circle Limited operates an online marketplace that connects small and medium-sized businesses seeking loans with individual and institutional investors. Founded in 2009 and based in London, the platform allows various lenders, including individuals, banks, local councils, and financial organizations, to provide unsecured and secured loans for various business needs, such as working capital, asset purchases, and property development. By facilitating direct lending, Funding Circle offers businesses fast access to financing while providing investors with the opportunity to earn attractive returns. The company serves a diverse range of industries, including software, retail, energy, healthcare, construction, e-commerce, and industrial sectors, aiming to foster growth, create jobs, and support local communities.

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

Guiabolso is the fintech transforming the Brazilian financial system by pioneering Open Banking, to bring the benefits of open data access and analytics to millions of consumers and a fast-growing number of corporate customers. Launched in 2014, the Guiabolso app has a huge amount of granular financial data about its 6M users, powering consumer solutions of consolidated financial management, an in-app curated product marketplace and instant payment capabilities, while providing product partners access to unique segmenting and scoring capabilities. In addition, Guiabolso is the only company in Brazil with a fully launched and calibrated end-to-end Open Banking solution for B2B clients, going beyond just bank account data aggregation to offer modular value-add solutions such as advanced analytics, a white-label marketplace, and personal financial management features. The company was founded by Thiago Alvarez and Benjamin Gleason, two friends who met at McKinsey and aspired to use innovative technology and a focus on consumer impact to improve the lives of Brazilians and transform the financial system.

Money View is an application that can track and organize expenses, bills, and account balances. It can derive finance information from SMSs.

Guiabolso is the fintech transforming the Brazilian financial system by pioneering Open Banking, to bring the benefits of open data access and analytics to millions of consumers and a fast-growing number of corporate customers. Launched in 2014, the Guiabolso app has a huge amount of granular financial data about its 6M users, powering consumer solutions of consolidated financial management, an in-app curated product marketplace and instant payment capabilities, while providing product partners access to unique segmenting and scoring capabilities. In addition, Guiabolso is the only company in Brazil with a fully launched and calibrated end-to-end Open Banking solution for B2B clients, going beyond just bank account data aggregation to offer modular value-add solutions such as advanced analytics, a white-label marketplace, and personal financial management features. The company was founded by Thiago Alvarez and Benjamin Gleason, two friends who met at McKinsey and aspired to use innovative technology and a focus on consumer impact to improve the lives of Brazilians and transform the financial system.

Money View is an application that can track and organize expenses, bills, and account balances. It can derive finance information from SMSs.

Wealthfront Inc. is a privately owned investment manager based in Redwood City, California, that primarily serves individuals, including high net worth clients and organizations. The firm focuses on integrating investing and saving products to assist young professionals in building long-term wealth across various market conditions. Wealthfront offers high-yield savings, diversified investment options, and low-cost loans through its automated wealth management platform, which is accessible via a mobile application. The company's robo-advisor facilitates investment account openings, providing users with access to investment strategies and comprehensive financial planning services. Wealthfront currently manages over $30 billion for more than 500,000 clients in the United States and has received numerous accolades for its services, including recognition as a leading automated investment app and robo-advisor.

Money View is an application that can track and organize expenses, bills, and account balances. It can derive finance information from SMSs.

Kiavi is a private lender that provides financing solutions for residential real estate investors. The company offers bridge and rental loans, utilizing data and technology to streamline the lending process. Formerly known as LendingHome, Kiavi focuses on funding property investments and revitalizing aging housing stock. Its platform automates underwriting and decision-making, reducing manual steps in loan approvals.

Funding Circle Limited operates an online marketplace that connects small and medium-sized businesses seeking loans with individual and institutional investors. Founded in 2009 and based in London, the platform allows various lenders, including individuals, banks, local councils, and financial organizations, to provide unsecured and secured loans for various business needs, such as working capital, asset purchases, and property development. By facilitating direct lending, Funding Circle offers businesses fast access to financing while providing investors with the opportunity to earn attractive returns. The company serves a diverse range of industries, including software, retail, energy, healthcare, construction, e-commerce, and industrial sectors, aiming to foster growth, create jobs, and support local communities.

Wealthfront Inc. is a privately owned investment manager based in Redwood City, California, that primarily serves individuals, including high net worth clients and organizations. The firm focuses on integrating investing and saving products to assist young professionals in building long-term wealth across various market conditions. Wealthfront offers high-yield savings, diversified investment options, and low-cost loans through its automated wealth management platform, which is accessible via a mobile application. The company's robo-advisor facilitates investment account openings, providing users with access to investment strategies and comprehensive financial planning services. Wealthfront currently manages over $30 billion for more than 500,000 clients in the United States and has received numerous accolades for its services, including recognition as a leading automated investment app and robo-advisor.

Funding Circle Limited operates an online marketplace that connects small and medium-sized businesses seeking loans with individual and institutional investors. Founded in 2009 and based in London, the platform allows various lenders, including individuals, banks, local councils, and financial organizations, to provide unsecured and secured loans for various business needs, such as working capital, asset purchases, and property development. By facilitating direct lending, Funding Circle offers businesses fast access to financing while providing investors with the opportunity to earn attractive returns. The company serves a diverse range of industries, including software, retail, energy, healthcare, construction, e-commerce, and industrial sectors, aiming to foster growth, create jobs, and support local communities.

Credit Karma is a personal finance company established in 2007 and headquartered in San Francisco, California. It aims to assist individuals in improving their financial well-being by providing a range of tools and personalized recommendations. With over 100 million members, Credit Karma offers free credit scores, reports, and monitoring services, alongside various financial education resources. The platform enables users to compare loan options, receive savings recommendations, and access tools like credit report cards and tax filing assistance. By helping users gain insights into their financial health, Credit Karma supports them in making informed decisions to enhance their financial standing.