Ribbit Capital

Nubank issues, administrate, processes, and transfers payments related to post-paid credit cards and equity investment in other entities. It serves clients in Brazil. The company launched its proprietary loyalty rewards program ("Nubank Rewards"), as well as a digital account ("NuConta") that is already used by more than 17 million people. In Cristina Junqueira, David Velez, and Edward Wible founded EO2 Solucoes de Pagamento on May 6, 2013 that became Nubank in on June 25, 2013. It has its headquarters in São Paulo in Brazil.

Invoice2go is the world’s top selling invoicing app, giving small businesses in more than 160 countries control over their time and their business. Offering the most straightforward way to run a business, Invoice2go brings together all the tools needed to get the job done: From winning jobs, tracking estimates and payments, and offering customers the ability to pay any way. The company was started by a small business owner who came from a family of tradespeople, and wanted to help them streamline their invoicing. Today, Invoice2go's popularity has spread around the globe, with more than 250,000 small business owners in 160+ countries using the app to send $24 billion in invoices every year.

BharatPe is a QR code-based payment app for offline retailers and businesses. It allows merchants to accept UPI payments for ‘FREE’ through the BharatPe QR. Through the app, merchants can sign up instantly and start receiving the funds immediately in their bank account. The company was founded on a mission to make payments FREE for all businesses. The intention is to be the utility app for 10 mn+ offline merchants in India for all their business needs. BharatPe was founded in April 2018 and is based in New Delhi,, India.

Money View is an application that is able to track and organize expenses, bills, and account balances. It is able to derive finance information from SMSs. Money View enables its users to set and follow budgets, view their bank account balance, obtain reminders about bills, and spit bills with the other users. It also facilitates Savings+ and TaxSaver+ that allows its users to save money. Money View was founded in April 2014 by Sanjay Aggarwal. It is based in Bangalore, Karnataka.

Jetty is a financial services company on a mission to make renting a home more affordable and effortless for everyone. Jetty's solution helps property managers increase lease conversion, reduce bad debt, and streamline operations. For the renter, Jetty lowers the barrier to entry, saving residents thousands of dollars on move-in costs. Jetty was founded by Mike Rudoy and Luke Cohler in 2015 and is headquartered in New York.

Revolut Limited develops a mobile application that allows users to exchange currencies at interbank rates, send money through social networks, and spend with a multi-currency card. The company, through its subsidiary, provides phone, medical insurance, and travel insurance. Revolut Limited was incorporated in 2013 and is based in London, United Kingdom.

Futureswap develops a blockchain technology based decentralized futures exchange platform. The company offers a non-custodial trading platform with automated market making (AMM) algorithm, which allows the users to buy and sell crypto futures contracts. The company is based in San Francisco, California.

FTX Trading LTD operates a cryptocurrency derivatives exchange and trading platform for traders and investment professionals. Its platform offers futures trading, leveraged tokens, and an OTC portal. The company’s platform supports quarterly and perpetual futures on various cryptocurrencies and altcoins, such as bitcoin, ether, binance coin, and tether, as well as various altcoin, midcap, and other indices. The company was founded in 2017 and is based in San Francisco, California.

Coalition is the provider of cyber insurance and security, combining comprehensive insurance and proactive cybersecurity tools to help businesses manage and mitigate cyber risk. Coalition provides companies with up to USD $15 million of cyber and technology insurance coverage in all 50 states and the District of Columbia, as well as CAD $20M of coverage across all 10 provinces in Canada. Coalition’s cyber risk management platform provides automated security alerts, threat intelligence, expert guidance, and cybersecurity tools to help businesses remain resilient in the face of cyber attacks.

Ualá is an Argentina-based Latin American neobank. Its native apps link with a Mastercard that allows users to conduct financial transactions such as online or offline purchases, free P2P and top-ups, as well as other payments, both in Argentina and abroad. Ualá’s technology and proprietary integrations allow for live transactionality, the first and only PFM solution in the market, and secure instant transfers, among others.

dv01, Inc. provides data and real-time insights for institutional investors, banks, and lenders in the financial lending markets. The company offers dv01 LOANS, a cloud-based portfolio management solution that compares and analyzes the lenders data for institutional investors; and dv01 BONDS, a loan data agent service for securitizations. It also offers Securitization Explorer, a web portal to provide investors with insights into securitizations of consumer loans; and a cash flow engine for securitizations. dv01, Inc. was incorporated in 2014 and is headquartered in New York, New York.

Capital Float is an online platform that provides working capital finance to SMEs in India. It offers flexible, short-term loans that can be used to purchase inventory, service new orders or optimize cash cycles. Borrowers can apply online in minutes, select desired repayment terms and receive funds in their bank accounts in 7 days with minimal hassle. Capital Float was founded in 2013 by Gaurav Hinduja and Sashank Rishyasringa.

Warren is an investment platform that simplifies finances and transforms the habit of investing in something easy, transparent, and efficient. The company was founded in 2016 and is based in Porto Alegre, Brazil.

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.

Robinhood is a stock brokerage that allows customers to buy and sell stocks, options, ETFs, and cryptocurrencies with zero commission. The startup offers equity, cryptocurrency, and options trading, as well as cash management accounts. It also provides a stock brokerage platform that democratizes access to the financial markets and aims to make people comfortable storing money and trading stocks using its application. Vladimir Tenev and Baiju Bhatt established the company in Menlo Park, California in 2013.

Alan is a digital health insurance platform that revolutionizes health insurance by focusing on user experience with an excellent price-quality ratio health plan. Alan started by creating a health insurance company for individuals and companies, that they can trust as a service and enjoy as an experience. Alan is the insurance company that makes healthcare simpler, smarter, and better. It is the first new independent insurance licensed in France since 1986 by the French Prudential Supervisory Authority (ACPR) and it has raised more than €35m with leading investors such as Index Ventures, CNP, Partech, and Portage since its creation in 2016.

ForUsAll fixes retirement plans for millions of small and medium-sized businesses. While managing retirement accounts for over 600,000 employees at companies like Citigroup, Coca Cola, and Target, our founders saw how time-consuming and difficult it can be to properly run a 401(k). So, they reimagined the 401(k) from the ground up, automating tedious administration and compliance tasks. The company was founded in 2012 and is based in San Francisco, California.

Credit Karma is a personal finance company that's focused on helping everyone make financial progress. Whether they're interested in getting a better deal on a loan, looking for ways to save, or simply monitoring their credit, Credit Karma offers a range of tools and personalized recommendations designed to help them make the most of their money. With more than 60 million members, Credit Karma helps people gain insight into their finances and credit information – and ultimately, improve their financial standing. Credit Karma was established in 2007 and is based in San Francisco, California.

Groww is an investment platform that offers a new way of investing money with stockbroking and direct mutual funds. The platform provides insights about mutual funds, systematic investment planning, equity-linked savings, and everything from the personal finance world, which helps new investors make investing simple by maintaining a simplified user interface to make investing easy, accessible, transparent, and paperless, enabling users to invest in mutual funds without any hassles. Customers can also invest in gold and US stocks through the Groww platform. The company is also a part of Y Combinator’s winter 2018 batch. Founded in 2017 by Lalit Keshre, Harsh Jain, Neeraj Singh, and Ishan Bansal, the company was launched in Bengaluru, Karnataka.

Hippo is a new kind of insurance company that uses modern technology to provide a simpler process, smarter coverage, and a completely new approach to how we care for our homes. Hippo offers intuitive and proactive home insurance by taking a smarter, tech-driven approach. Hippo believes that home insurance should be designed to actively serve the needs of our customers, who can live carefree when they know they've been taken care of.

Robinhood is a stock brokerage that allows customers to buy and sell stocks, options, ETFs, and cryptocurrencies with zero commission. The startup offers equity, cryptocurrency, and options trading, as well as cash management accounts. It also provides a stock brokerage platform that democratizes access to the financial markets and aims to make people comfortable storing money and trading stocks using its application. Vladimir Tenev and Baiju Bhatt established the company in Menlo Park, California in 2013.

NYDIG is a leading financial services firm dedicated to Bitcoin. The firm offers asset management, derivatives, financing, custody, and execution services. NYDIG's platform satisfies the highest regulatory, audit, and governance standards.

CRED is a members-only app that rewards the user with exclusive rewards for paying credit card bills. The company is committed to protecting the data and information of its members. CRED works on the guiding principle of opt-In consent and full transparency. The company's security processes and technology implementations combined with regulatory compliance is how it access, store, and use member data.

Figure provides consumer financial solutions intended for home improvement, debt consolidation, and retirement planning. Its financial services include provide home equity release services such as home equity lines of credit, home improvement loans, and home buy-lease back offerings for retirement leveraging through blockchain, artificial intelligence, and advanced analytics, enabling customers to access capital in as few as five days.

Vivid Money is a financial platform that helps customers grow their money. The platform offers a unique mobile banking app at their fingertips. Whether it’s payments, transfers, high-interest saving accounts, multi-currency accounts for their travels, spendings reports, split bills — with Vivid, managing all their finances and investing their money is easy, flexible, and 100% transparent. Vivid Money also analyzes transactions to identify a customer's recurring subscriptions, giving them the ability to block future charges if necessary. The users can also send money to other users from the app and generate a link so that the recipient can enter their banking details. There are also cashback features and the company plans to offer the ability to invest and buy shares from the app in the future. Vivid's app users can also create sub-accounts called pockets, each with its own IBAN. Users can invite others to use specific pockets or associate a card with a specific pocket. Additional physical cards or virtual cards can be ordered.

Gorila Invest develops an application that helps its users view their consolidated equity holdings and the historical value of their portfolio. This helps the user track the performance of their portfolio. The company was founded in 2016 and is headquartered in Sao Paulo, Brazil.

Wealthfront Inc. is a privately owned investment manager. It primarily provides its services to individuals. It also caters to high net worth individuals, charitable organizations, and corporations. The firm invests in the public equity and fixed income funds. It also invests in mutual funds and exchange traded funds. It conducts in-house research to make its investments. The firm was formerly known as Wealthfront Inc. is based in Redwood City, California.

Tomo Networks, Inc. operates as a technology-driven real estate company. Its products include a mortgage and transaction platform for real estate agents and consumers. The company was founded in 2016 and is based in Stamford, Connecticut with additional locations in Seattle, Washington; and Austin, Texas.

Habito provides Habito Plus, a homebuying service which brings a buyer’s mortgage application, conveyancing needs and surveys under one solution, and a proprietary broker portal, which gives more than 3,000 external brokers exclusive access to the company’s own buy-to-let mortgage products and Instant Decision technology capabilities. The firm is now looking to bring to market a suite of innovative residential mortgage products for all types of homeowners.

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.

Helium Systems Inc. operates an IoT smart sensor device for enterprises and industries. The company develops sensor device that monitors temperature, humidity, barometric pressure, motion, and light. The device is used in monitoring facilities and quality control in medical products, energy costs, air quality, and temperature for refrigerators. The company also provides a web and mobile dashboard to manage sensors accessed by users. Helium Systems, Inc. was formerly known as Skynet Phase 1 Inc. The company was incorporated in 2013 and is headquartered in San Francisco, California.

Toss is a South Korea-based mobile financial service platform operated by fintech start-up Viva Republica Co Ltd. Since its launching in February of 2015, Toss garnered over 13 million app downloads and processed over USD$10 billion in P2P payments. Adding to its success in P2P payments, Viva Republica Co Ltd. has launched over 10 financials services to become a consumer mobile financial services platform. Toss partners with incumbent financial institutions and other fintech players to provide users with services that cover all facets of their financial lives, including payments, loans, investments, credit score management, spending analysis, and insurance products.

Money View is an application that is able to track and organize expenses, bills, and account balances. It is able to derive finance information from SMSs. Money View enables its users to set and follow budgets, view their bank account balance, obtain reminders about bills, and spit bills with the other users. It also facilitates Savings+ and TaxSaver+ that allows its users to save money. Money View was founded in April 2014 by Sanjay Aggarwal. It is based in Bangalore, Karnataka.

Their mission: to increase health literacy around the world Over the last 100 years, the world’s language literacy has increased significantly. Their challenge over the next 100 years is to increase the world’s health literacy. They believe the best way to create change is to celebrate the people who are dedicated to their health, rather than harass the people who are not. The Health Conscious are the unsung heroes — the people who don’t get credit for their hard work. Help us spread health literacy to every corner of the world.

Brex Inc. provides corporate credit cards. The company offers The Brex Mastercard Corporate Credit Card that offers reward programs on the rideshare, brex travel, restaurants, and recurring software. The company was incorporated in 2017 and is based in San Francisco, California with additional locations in Draper, Utah; Vancouver, Canada; and New York, New York.

GuiaBolso is a digital hub that connects Brazilian consumers to financial products via an in-app marketplace with real-time origination. As a company in Brazil with proprietary bank account aggregation technology and offering free credit bureau reports, GuiaBolso gives users a complete view of finances and provides bank partners with unparalleled data analysis and credit modeling. This creates a very positive dynamic for both, for example, GuiaBolso users now have access to a selection of fairly-priced loans based on actual credit risk, quite revolutionary in a country without a national credit score and with the world’s highest interest spreads. The company mission is to improve people’s well-being by providing the complete information needed to make better financial decisions.

Revolut Limited develops a mobile application that allows users to exchange currencies at interbank rates, send money through social networks, and spend with a multi-currency card. The company, through its subsidiary, provides phone, medical insurance, and travel insurance. Revolut Limited was incorporated in 2013 and is based in London, United Kingdom.

Coalition is the provider of cyber insurance and security, combining comprehensive insurance and proactive cybersecurity tools to help businesses manage and mitigate cyber risk. Coalition provides companies with up to USD $15 million of cyber and technology insurance coverage in all 50 states and the District of Columbia, as well as CAD $20M of coverage across all 10 provinces in Canada. Coalition’s cyber risk management platform provides automated security alerts, threat intelligence, expert guidance, and cybersecurity tools to help businesses remain resilient in the face of cyber attacks.

Twic Inc. develops software for wellness programs. Its products include Wellness Wallet, which can be used to send monthly wellness stipend as a reward to employees for following a healthy life style and Wellness Suite, which can be used to host and convey information about onsite wellness events. The product can be used by human resource department to motivate employees to follow healthy lifestyle. Twic Inc. was founded in 2017 and is based in Fremont, California.

Next Insurance Inc., an insurance agency, sells insurance products and services to small businesses online. It offers business, general liability, professional liability, commercial auto, and workers’ compensation insurance products and services. The company serves contractor, construction, consulting, fitness, cleaning, beauty, therapy, entertainment, education, other customers. Next Insurance Inc. was founded in 2015 and is based in Palo Alto, California.

Checkout.com provides fintech companies with a cross-border payment solution for digital commerce. The business offers direct access to domestic acquiring across payment methods and geographies, including all major credit and debit cards, online banking, PayPal, Apple Pay and other eWallets. This is achieved through a unified integrated platform which also provides fraud management tools, analytics and comprehensive reporting features.

Jetty is a financial services company on a mission to make renting a home more affordable and effortless for everyone. Jetty's solution helps property managers increase lease conversion, reduce bad debt, and streamline operations. For the renter, Jetty lowers the barrier to entry, saving residents thousands of dollars on move-in costs. Jetty was founded by Mike Rudoy and Luke Cohler in 2015 and is headquartered in New York.

GuiaBolso is a digital hub that connects Brazilian consumers to financial products via an in-app marketplace with real-time origination. As a company in Brazil with proprietary bank account aggregation technology and offering free credit bureau reports, GuiaBolso gives users a complete view of finances and provides bank partners with unparalleled data analysis and credit modeling. This creates a very positive dynamic for both, for example, GuiaBolso users now have access to a selection of fairly-priced loans based on actual credit risk, quite revolutionary in a country without a national credit score and with the world’s highest interest spreads. The company mission is to improve people’s well-being by providing the complete information needed to make better financial decisions.

Hello Digit, Inc. designs and develops application software that analyzes income and spending. The company develops mobile application that helps its users to interact with others and save money. Hello Digit, Inc. was incorporated in 2012 and is based in San Francisco, California.

Figure provides consumer financial solutions intended for home improvement, debt consolidation, and retirement planning. Its financial services include provide home equity release services such as home equity lines of credit, home improvement loans, and home buy-lease back offerings for retirement leveraging through blockchain, artificial intelligence, and advanced analytics, enabling customers to access capital in as few as five days.

Next Insurance Inc., an insurance agency, sells insurance products and services to small businesses online. It offers business, general liability, professional liability, commercial auto, and workers’ compensation insurance products and services. The company serves contractor, construction, consulting, fitness, cleaning, beauty, therapy, entertainment, education, other customers. Next Insurance Inc. was founded in 2015 and is based in Palo Alto, California.

Balance offers a digital payments platform designed to make B2B online purchasing streamlined and friction-free. Powered by its Machine Learning engine of real-time authentication and financial risk assessment, Balance empowers merchants to offer complete flexibility in how and when their buyers pay. By doing so, Balance enables the explosive growth of B2B E-commerce.

ZestMoney is the fastest way for all kinds of people to pay using digital EMI, without the need of a credit card or a credit score. The company believes that being able to pay in EMI should be available to everyone and not only those who hold a credit card or have a credit score. With the use of mobile tech, digital banking, and AI, ZestMoney was made accessible to millions of Indian consumers. Founded in 2015 by digital finance and technology professionals, Priya Sharma, Lizzie Chapman and Ashish Anantharaman, the company is backed by leading global digital financial services investors like PayU, Ribbit Capital, Omidiyar Networks among other.

Affirm, Inc. provides Buy with Affirm, a closed-end installment loan product through a platform. The company’s product allows users to buy goods and services offered by online merchants and pay off those purchase in fixed monthly payments. Its users can select Affirm as their payment method at checkout, fill out fields for real-time decision, chose the payment plan that fits their budget, and process their order. Affirm, Inc. was incorporated in 2012 and is based in San Francisco, California with an additional office in Chicago, Illinois.

Raisin is a savings and investment marketplace that connects retail customers with banks looking to expand deposit reach. The company's goal is to provide savers the best interest rates. The company gives access to exclusive savings products from all over Europe. Raisin assures a smooth investment process and the simple management of investments with all of the partner banks via one single platform. Raisin was founded on 2012 and is headquartered in Berlin, Germany.

ComparaOnline is a price comparison platform allowing customers to make an informed decision when purchasing complex financial products, while optimizing customer acquisition for financial companies. It is designed for insurance and financial products. ComparaOnline also has experience in sales execution, saving customer`s time, and improving the user experience. It partners with banks and insurance providers. ComparaOnline was launched in 2009 by Sebastian Valin and is based in Santiago.

Cross River combines innovative technologies with expertise of a bank to create new services and solutions for fintech companies that are redefining global financial services. In addition to traditional banking, the company has developed partnerships with financial technology leaders to build compliant and integrated products for the marketplace lending and payment processing arenas.

Alan is a digital health insurance platform that revolutionizes health insurance by focusing on user experience with an excellent price-quality ratio health plan. Alan started by creating a health insurance company for individuals and companies, that they can trust as a service and enjoy as an experience. Alan is the insurance company that makes healthcare simpler, smarter, and better. It is the first new independent insurance licensed in France since 1986 by the French Prudential Supervisory Authority (ACPR) and it has raised more than €35m with leading investors such as Index Ventures, CNP, Partech, and Portage since its creation in 2016.

Stark Bank develops a banking API that automates and simplifies banking operations, facilitate reconciliation, and scale companies. With Stark Bank, companies can scale their operations, allowing them to execute more transfers, payments, and charges. Stark Bank was founded in 2018 and is based in Sao Paulo, Brazil.

Money View is an application that is able to track and organize expenses, bills, and account balances. It is able to derive finance information from SMSs. Money View enables its users to set and follow budgets, view their bank account balance, obtain reminders about bills, and spit bills with the other users. It also facilitates Savings+ and TaxSaver+ that allows its users to save money. Money View was founded in April 2014 by Sanjay Aggarwal. It is based in Bangalore, Karnataka.

Vivid Money is a financial platform that helps customers grow their money. The platform offers a unique mobile banking app at their fingertips. Whether it’s payments, transfers, high-interest saving accounts, multi-currency accounts for their travels, spendings reports, split bills — with Vivid, managing all their finances and investing their money is easy, flexible, and 100% transparent. Vivid Money also analyzes transactions to identify a customer's recurring subscriptions, giving them the ability to block future charges if necessary. The users can also send money to other users from the app and generate a link so that the recipient can enter their banking details. There are also cashback features and the company plans to offer the ability to invest and buy shares from the app in the future. Vivid's app users can also create sub-accounts called pockets, each with its own IBAN. Users can invite others to use specific pockets or associate a card with a specific pocket. Additional physical cards or virtual cards can be ordered.

Chipper Cash is a financial services company that features a software application platform that enables free instant cross-border mobile money transfers in Africa as easy as sending a text message. The company was founded in 2017 and is headquartered in San Francisco, California.

Brex Inc. provides corporate credit cards. The company offers The Brex Mastercard Corporate Credit Card that offers reward programs on the rideshare, brex travel, restaurants, and recurring software. The company was incorporated in 2017 and is based in San Francisco, California with additional locations in Draper, Utah; Vancouver, Canada; and New York, New York.

FTX Trading LTD operates a cryptocurrency derivatives exchange and trading platform for traders and investment professionals. Its platform offers futures trading, leveraged tokens, and an OTC portal. The company’s platform supports quarterly and perpetual futures on various cryptocurrencies and altcoins, such as bitcoin, ether, binance coin, and tether, as well as various altcoin, midcap, and other indices. The company was founded in 2017 and is based in San Francisco, California.

BharatPe is a QR code-based payment app for offline retailers and businesses. It allows merchants to accept UPI payments for ‘FREE’ through the BharatPe QR. Through the app, merchants can sign up instantly and start receiving the funds immediately in their bank account. The company was founded on a mission to make payments FREE for all businesses. The intention is to be the utility app for 10 mn+ offline merchants in India for all their business needs. BharatPe was founded in April 2018 and is based in New Delhi,, India.

coinswitch.co is the world's first cryptocurrency exchange aggregator platform. It lists 250+ coin and 6000+ currency pairs. As of 2018, it has been hitting a volume of 1 million USD per day. Some of the exchanges listed on coinswitch.co are Bittrex, Changelly, Shapeshift and Cryptopia.

Vouch, Inc. provides insurance products and services for startups in the United States. It offers insurance products and services in the areas of general liability, business property, directors and officers, errors and omissions, cyber coverage, crime coverage, employment practices liability, hired and non-owned auto, and fiduciary liability. The company also provides develops an online platform that provides digital and customized coverage solutions. Vouch, Inc. was formerly known as SV Instech, Inc. The company was incorporated in 2016 and is based in San Francisco, California. Vouch, Inc operates as a subsidiary of SVB Financial Group.

KAVAK is the online platform that offers an exceptional experience of buying and selling used cars in Mexico, with the best prices on the market and without leaving home.

Razorpay is a platform that enables businesses to accept, process, and disburse payments with its product suite. It gives access to all payment modes including credit card, debit card, net banking, UPI and popular wallets including JioMoney, Mobikwik, Airtel Money, FreeCharge, Ola Money, and PayZapp. The company was founded in 2014 and is headquartered in Bangalore, Karnataka.

Gauntlet builds a blockchain simulation and testing platform for financial systems. The company's blockchain simulation and the testing platform run a series of simulations to test the client's protocol or smart contract and gain intuition on how design choices affect behavior, thereby helping financial institutions by providing transparency and greatly reduces the cost of experimentation so that teams can rapidly design, launch, and scale new decentralized systems. Gauntlet was founded in 2018 and is headquartered in Brooklyn, NY, USA.

A Banking Experience with you at its centre Designed to help you take control and do more with your money — one delightful feature at a time. Tailored to meet your needs, your dreams and your aspirations.

Razorpay is a platform that enables businesses to accept, process, and disburse payments with its product suite. It gives access to all payment modes including credit card, debit card, net banking, UPI and popular wallets including JioMoney, Mobikwik, Airtel Money, FreeCharge, Ola Money, and PayZapp. The company was founded in 2014 and is headquartered in Bangalore, Karnataka.

Gorila Invest develops an application that helps its users view their consolidated equity holdings and the historical value of their portfolio. This helps the user track the performance of their portfolio. The company was founded in 2016 and is headquartered in Sao Paulo, Brazil.

Wealthfront Inc. is a privately owned investment manager. It primarily provides its services to individuals. It also caters to high net worth individuals, charitable organizations, and corporations. The firm invests in the public equity and fixed income funds. It also invests in mutual funds and exchange traded funds. It conducts in-house research to make its investments. The firm was formerly known as Wealthfront Inc. is based in Redwood City, California.

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.

Genesis Digital Assets is one of the world's largest and most experienced Bitcoin mining companies. Since 2013, the founders of the company have built over 20 industrial-scale mining farms, brought over 300,000 miners online, and mined over $1 billion in Bitcoin.

ComparaOnline is a price comparison platform allowing customers to make an informed decision when purchasing complex financial products, while optimizing customer acquisition for financial companies. It is designed for insurance and financial products. ComparaOnline also has experience in sales execution, saving customer`s time, and improving the user experience. It partners with banks and insurance providers. ComparaOnline was launched in 2009 by Sebastian Valin and is based in Santiago.

Robinhood is a stock brokerage that allows customers to buy and sell stocks, options, ETFs, and cryptocurrencies with zero commission. The startup offers equity, cryptocurrency, and options trading, as well as cash management accounts. It also provides a stock brokerage platform that democratizes access to the financial markets and aims to make people comfortable storing money and trading stocks using its application. Vladimir Tenev and Baiju Bhatt established the company in Menlo Park, California in 2013.

Lightning Labs is building the next generation of decentralized, resilient financial infrastructure. We believe systems based on cryptography, blockchains, and smart contracts will enhance financial cooperation around the world in unprecedented ways at scales both large and small. We have developed Lightning Network Daemon (lnd) the most advanced and most developer-friendly implementation of the Lightning Network protocol. Along with Neutrino, an open platform that enables users with mobile devices to conduct blockchain and Lightning Network transactions quickly and easily. We’re hiring. See our open positions: http://lightning.engineering/careers.html Get involved: http://dev.lightning.community/

Figure provides consumer financial solutions intended for home improvement, debt consolidation, and retirement planning. Its financial services include provide home equity release services such as home equity lines of credit, home improvement loans, and home buy-lease back offerings for retirement leveraging through blockchain, artificial intelligence, and advanced analytics, enabling customers to access capital in as few as five days.

Delphia is a revolutionary investment platform where anyone can turn their data into investment capital. By telling us about yourself and sharing your opinions about the world around you, you're able to transform personal data into personal wealth, secure in the knowledge that whatever you share will only be used to improve your investment returns. For the first time in history, you don't need money to start building your future.

Brex Inc. provides corporate credit cards. The company offers The Brex Mastercard Corporate Credit Card that offers reward programs on the rideshare, brex travel, restaurants, and recurring software. The company was incorporated in 2017 and is based in San Francisco, California with additional locations in Draper, Utah; Vancouver, Canada; and New York, New York.

Tomo Networks, Inc. operates as a technology-driven real estate company. Its products include a mortgage and transaction platform for real estate agents and consumers. The company was founded in 2016 and is based in Stamford, Connecticut with additional locations in Seattle, Washington; and Austin, Texas.

Habito provides Habito Plus, a homebuying service which brings a buyer’s mortgage application, conveyancing needs and surveys under one solution, and a proprietary broker portal, which gives more than 3,000 external brokers exclusive access to the company’s own buy-to-let mortgage products and Instant Decision technology capabilities. The firm is now looking to bring to market a suite of innovative residential mortgage products for all types of homeowners.

GuiaBolso is a digital hub that connects Brazilian consumers to financial products via an in-app marketplace with real-time origination. As a company in Brazil with proprietary bank account aggregation technology and offering free credit bureau reports, GuiaBolso gives users a complete view of finances and provides bank partners with unparalleled data analysis and credit modeling. This creates a very positive dynamic for both, for example, GuiaBolso users now have access to a selection of fairly-priced loans based on actual credit risk, quite revolutionary in a country without a national credit score and with the world’s highest interest spreads. The company mission is to improve people’s well-being by providing the complete information needed to make better financial decisions.

Slingshot develops decentralized finance (DeFi) trading platform. The company create, monetize, and aggregate crypto assets. It help users find the price for any given token trade. Slingshot was formerly known as DEXAG, inc. and changed its name to Slingshot in November 2020. Slingshot was founded in 2018 and is based in San Francisco, California.

Jetty is a financial services company on a mission to make renting a home more affordable and effortless for everyone. Jetty's solution helps property managers increase lease conversion, reduce bad debt, and streamline operations. For the renter, Jetty lowers the barrier to entry, saving residents thousands of dollars on move-in costs. Jetty was founded by Mike Rudoy and Luke Cohler in 2015 and is headquartered in New York.

Point believes in a different approach. Point wants homeowners to be free of their debts and be able to unlock the wealth in their home. To do that, they make it easy for homeowners to sell small fractions of the equity in their home to investors.

Money View is an application that is able to track and organize expenses, bills, and account balances. It is able to derive finance information from SMSs. Money View enables its users to set and follow budgets, view their bank account balance, obtain reminders about bills, and spit bills with the other users. It also facilitates Savings+ and TaxSaver+ that allows its users to save money. Money View was founded in April 2014 by Sanjay Aggarwal. It is based in Bangalore, Karnataka.

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.

Robinhood is a stock brokerage that allows customers to buy and sell stocks, options, ETFs, and cryptocurrencies with zero commission. The startup offers equity, cryptocurrency, and options trading, as well as cash management accounts. It also provides a stock brokerage platform that democratizes access to the financial markets and aims to make people comfortable storing money and trading stocks using its application. Vladimir Tenev and Baiju Bhatt established the company in Menlo Park, California in 2013.

Earnin is the new, faster way to get your paycheck. Unlike traditional, rigid paychecks that only show up every two weeks, Earnin gives you access to your pay as you earn it -- any time, any day, right from your smartphone. Earnin charges no fee or interest for using the service: instead, with each transaction users are given the opportunity to pay what they believe is fair. Launched in 2014, Earnin is driving consumer-empowered finance through mobile technology by breaking open more than $1 trillion held up in America's pay cycle. Current funding partners include Andreessen Horowitz, Matrix Partners, Ribbit Capital, Felicis Ventures, March Capital Partners, Trinity Ventures, Thrive Capital, and Camp One Ventures. For more information please visit www.Earnin.com.

Juniper Square operates an online based platform for private equity firms to find, raise, and manage capital. It provides an easy-to-use software that streamlines fundraising, investment administration, and investor reporting. With Juniper Square, clients will improve investor satisfaction, boost fundraising productivity, and save time and money on investment operations. Adam Ginsburg, Alex Robinson, and Yonas Fisseha founded it in 2014, with its headquarters in San Francisco in California.

QuintoAndar is a platform that simplifies the rental of residential real estate for landlords and renters. With QuintoAndar, customers can work with a top-notch team that uses the best practices and best tools, be part of a high-impact project that will affect many people's lives, have autonomy to make decisions with no endless meetings, and work in an informal environment and horizontal hierarchy. Founded in February 2013 by Gabriel Braga and Andre Penha, it is headquartered in São Paulo in Brazil.

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.

Next Insurance Inc., an insurance agency, sells insurance products and services to small businesses online. It offers business, general liability, professional liability, commercial auto, and workers’ compensation insurance products and services. The company serves contractor, construction, consulting, fitness, cleaning, beauty, therapy, entertainment, education, other customers. Next Insurance Inc. was founded in 2015 and is based in Palo Alto, California.

Vivid Money is a financial platform that helps customers grow their money. The platform offers a unique mobile banking app at their fingertips. Whether it’s payments, transfers, high-interest saving accounts, multi-currency accounts for their travels, spendings reports, split bills — with Vivid, managing all their finances and investing their money is easy, flexible, and 100% transparent. Vivid Money also analyzes transactions to identify a customer's recurring subscriptions, giving them the ability to block future charges if necessary. The users can also send money to other users from the app and generate a link so that the recipient can enter their banking details. There are also cashback features and the company plans to offer the ability to invest and buy shares from the app in the future. Vivid's app users can also create sub-accounts called pockets, each with its own IBAN. Users can invite others to use specific pockets or associate a card with a specific pocket. Additional physical cards or virtual cards can be ordered.

Property e-Commerce Platform, Property Transaction Platform

Hippo is a new kind of insurance company that uses modern technology to provide a simpler process, smarter coverage, and a completely new approach to how we care for our homes. Hippo offers intuitive and proactive home insurance by taking a smarter, tech-driven approach. Hippo believes that home insurance should be designed to actively serve the needs of our customers, who can live carefree when they know they've been taken care of.

A Banking Experience with you at its centre Designed to help you take control and do more with your money — one delightful feature at a time. Tailored to meet your needs, your dreams and your aspirations.

Chainalysis builds trust in blockchains between people, businesses, and governments. Our Blockchain Intelligence Platform powers our compliance and investigation software for the world’s top institutions. With offices in NY, D.C., and Copenhagen, Chainalysis is global and backed by Benchmark and other leading names in venture capital.

Vivid Money is a financial platform that helps customers grow their money. The platform offers a unique mobile banking app at their fingertips. Whether it’s payments, transfers, high-interest saving accounts, multi-currency accounts for their travels, spendings reports, split bills — with Vivid, managing all their finances and investing their money is easy, flexible, and 100% transparent. Vivid Money also analyzes transactions to identify a customer's recurring subscriptions, giving them the ability to block future charges if necessary. The users can also send money to other users from the app and generate a link so that the recipient can enter their banking details. There are also cashback features and the company plans to offer the ability to invest and buy shares from the app in the future. Vivid's app users can also create sub-accounts called pockets, each with its own IBAN. Users can invite others to use specific pockets or associate a card with a specific pocket. Additional physical cards or virtual cards can be ordered.

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.

Hello Digit, Inc. designs and develops application software that analyzes income and spending. The company develops mobile application that helps its users to interact with others and save money. Hello Digit, Inc. was incorporated in 2012 and is based in San Francisco, California.

FTX Trading LTD operates a cryptocurrency derivatives exchange and trading platform for traders and investment professionals. Its platform offers futures trading, leveraged tokens, and an OTC portal. The company’s platform supports quarterly and perpetual futures on various cryptocurrencies and altcoins, such as bitcoin, ether, binance coin, and tether, as well as various altcoin, midcap, and other indices. The company was founded in 2017 and is based in San Francisco, California.

NYDIG is a leading financial services firm dedicated to Bitcoin. The firm offers asset management, derivatives, financing, custody, and execution services. NYDIG's platform satisfies the highest regulatory, audit, and governance standards.

Relay Payments Inc. operates an electronic payments platform for owners/operators, carriers, and brokers. The company provides Relay One that enables merchants to accept payments from payment forms around the world. It offers its end to end payment network proving a payment option for the logistics industry for instant, electronic payments. The company was founded in 2018 and is based in Atlanta, Georgia.

dv01, Inc. provides data and real-time insights for institutional investors, banks, and lenders in the financial lending markets. The company offers dv01 LOANS, a cloud-based portfolio management solution that compares and analyzes the lenders data for institutional investors; and dv01 BONDS, a loan data agent service for securitizations. It also offers Securitization Explorer, a web portal to provide investors with insights into securitizations of consumer loans; and a cash flow engine for securitizations. dv01, Inc. was incorporated in 2014 and is headquartered in New York, New York.

Capital Float is an online platform that provides working capital finance to SMEs in India. It offers flexible, short-term loans that can be used to purchase inventory, service new orders or optimize cash cycles. Borrowers can apply online in minutes, select desired repayment terms and receive funds in their bank accounts in 7 days with minimal hassle. Capital Float was founded in 2013 by Gaurav Hinduja and Sashank Rishyasringa.

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.

Point believes in a different approach. Point wants homeowners to be free of their debts and be able to unlock the wealth in their home. To do that, they make it easy for homeowners to sell small fractions of the equity in their home to investors.

coinswitch.co is the world's first cryptocurrency exchange aggregator platform. It lists 250+ coin and 6000+ currency pairs. As of 2018, it has been hitting a volume of 1 million USD per day. Some of the exchanges listed on coinswitch.co are Bittrex, Changelly, Shapeshift and Cryptopia.

Ajaib operates an online wealth management platform to automatic saving and investing in Indonesia. The company was founded in 1990 and is based in Jakarta, Indonesia.

Invoice2go is the world’s top selling invoicing app, giving small businesses in more than 160 countries control over their time and their business. Offering the most straightforward way to run a business, Invoice2go brings together all the tools needed to get the job done: From winning jobs, tracking estimates and payments, and offering customers the ability to pay any way. The company was started by a small business owner who came from a family of tradespeople, and wanted to help them streamline their invoicing. Today, Invoice2go's popularity has spread around the globe, with more than 250,000 small business owners in 160+ countries using the app to send $24 billion in invoices every year.

Ualá is an Argentina-based Latin American neobank. Its native apps link with a Mastercard that allows users to conduct financial transactions such as online or offline purchases, free P2P and top-ups, as well as other payments, both in Argentina and abroad. Ualá’s technology and proprietary integrations allow for live transactionality, the first and only PFM solution in the market, and secure instant transfers, among others.

Parafin is a capital as a service platform for fundraising activities. It features a platform for connecting buyers and sellers for growth capital financing. It also provides tools for retaining sellers, tracking revenue streams, APIs for underwriting, financial & regulatory risks, and payment processing for users. Parafin was founded in 2020 and is headquartered in San Francisco, CA.

Fireblocks Inc. develops a blockchain-based security service platform. The company provides security system for managing and streamline digital assets operations. Its platform allows moving funds between exchanges, wallets, and counterparties. It caters to financial institutions. Fireblocks Inc. was founded in 2018 and is based in New York, New York. It has additional locations in Tel Aviv, Israel.

BharatPe is a QR code-based payment app for offline retailers and businesses. It allows merchants to accept UPI payments for ‘FREE’ through the BharatPe QR. Through the app, merchants can sign up instantly and start receiving the funds immediately in their bank account. The company was founded on a mission to make payments FREE for all businesses. The intention is to be the utility app for 10 mn+ offline merchants in India for all their business needs. BharatPe was founded in April 2018 and is based in New Delhi,, India.

Wealthfront Inc. is a privately owned investment manager. It primarily provides its services to individuals. It also caters to high net worth individuals, charitable organizations, and corporations. The firm invests in the public equity and fixed income funds. It also invests in mutual funds and exchange traded funds. It conducts in-house research to make its investments. The firm was formerly known as Wealthfront Inc. is based in Redwood City, California.

Ualá is an Argentina-based Latin American neobank. Its native apps link with a Mastercard that allows users to conduct financial transactions such as online or offline purchases, free P2P and top-ups, as well as other payments, both in Argentina and abroad. Ualá’s technology and proprietary integrations allow for live transactionality, the first and only PFM solution in the market, and secure instant transfers, among others.

Kasa Living, Inc. provides rental accommodation booking services through an online portal. It offers hotel check-in, apartments booking, and boutique hospitality properties rental services. The company also provides property management services. It offers accommodation services in Virginia, Georgia, Texas, Washington, North Carolina, Illinois, Missouri, South Carolina, Florida, Colorado, Iowa, Pennsylvania, Tennessee, California, Wisconsin, Connecticut, Utah, and Arizona. Kasa Living, Inc. was incorporated in 2015 and is based in San Francisco, California.

Groww is an investment platform that offers a new way of investing money with stockbroking and direct mutual funds. The platform provides insights about mutual funds, systematic investment planning, equity-linked savings, and everything from the personal finance world, which helps new investors make investing simple by maintaining a simplified user interface to make investing easy, accessible, transparent, and paperless, enabling users to invest in mutual funds without any hassles. Customers can also invest in gold and US stocks through the Groww platform. The company is also a part of Y Combinator’s winter 2018 batch. Founded in 2017 by Lalit Keshre, Harsh Jain, Neeraj Singh, and Ishan Bansal, the company was launched in Bengaluru, Karnataka.

Figure provides consumer financial solutions intended for home improvement, debt consolidation, and retirement planning. Its financial services include provide home equity release services such as home equity lines of credit, home improvement loans, and home buy-lease back offerings for retirement leveraging through blockchain, artificial intelligence, and advanced analytics, enabling customers to access capital in as few as five days.

coins.ph Pte. Ltd. provides a mobile wallet that empowers consumers and small businesses to access various financial services. Its mobile wallet allows users to transfer money, pay bills, load phones, and buy and sell bitcoins. The company also offers ATM cash pickup and merchant services, as well as a mobile application. coins.ph Pte. Ltd. was founded in 2014 and is based in Pasig City, the Philippines. coins.ph Pte. Ltd. operates as a subsidiary of PT Go-Jek Indonesia.

Robinhood is a stock brokerage that allows customers to buy and sell stocks, options, ETFs, and cryptocurrencies with zero commission. The startup offers equity, cryptocurrency, and options trading, as well as cash management accounts. It also provides a stock brokerage platform that democratizes access to the financial markets and aims to make people comfortable storing money and trading stocks using its application. Vladimir Tenev and Baiju Bhatt established the company in Menlo Park, California in 2013.

Figure provides consumer financial solutions intended for home improvement, debt consolidation, and retirement planning. Its financial services include provide home equity release services such as home equity lines of credit, home improvement loans, and home buy-lease back offerings for retirement leveraging through blockchain, artificial intelligence, and advanced analytics, enabling customers to access capital in as few as five days.

Wave Mobile Money provides an app-based financial solution to save, transfer, and borrow money. Wave Mobile Money is on a mission to make Africa the first cashless continent. On a continent where less than 10% of the population has a bank account, Wave is building the first modern financial network — no account fees, instantly available, and accepted everywhere! It is building life-changing financial infrastructure. When mobile money succeeded in Kenya, it lifted about a million people out of poverty. And yet, over 10 years later, most Africans still lack access to affordable ways to save, transfer or borrow the money they need to build businesses or provide for their families. Wave is solving this problem by using technology to build a radically inclusive and extremely affordable financial network.

Vouch, Inc. provides insurance products and services for startups in the United States. It offers insurance products and services in the areas of general liability, business property, directors and officers, errors and omissions, cyber coverage, crime coverage, employment practices liability, hired and non-owned auto, and fiduciary liability. The company also provides develops an online platform that provides digital and customized coverage solutions. Vouch, Inc. was formerly known as SV Instech, Inc. The company was incorporated in 2016 and is based in San Francisco, California. Vouch, Inc operates as a subsidiary of SVB Financial Group.

Gorila Invest develops an application that helps its users view their consolidated equity holdings and the historical value of their portfolio. This helps the user track the performance of their portfolio. The company was founded in 2016 and is headquartered in Sao Paulo, Brazil.

Chipper Cash is a financial services company that features a software application platform that enables free instant cross-border mobile money transfers in Africa as easy as sending a text message. The company was founded in 2017 and is headquartered in San Francisco, California.

Coalition is the provider of cyber insurance and security, combining comprehensive insurance and proactive cybersecurity tools to help businesses manage and mitigate cyber risk. Coalition provides companies with up to USD $15 million of cyber and technology insurance coverage in all 50 states and the District of Columbia, as well as CAD $20M of coverage across all 10 provinces in Canada. Coalition’s cyber risk management platform provides automated security alerts, threat intelligence, expert guidance, and cybersecurity tools to help businesses remain resilient in the face of cyber attacks.

GuiaBolso is a digital hub that connects Brazilian consumers to financial products via an in-app marketplace with real-time origination. As a company in Brazil with proprietary bank account aggregation technology and offering free credit bureau reports, GuiaBolso gives users a complete view of finances and provides bank partners with unparalleled data analysis and credit modeling. This creates a very positive dynamic for both, for example, GuiaBolso users now have access to a selection of fairly-priced loans based on actual credit risk, quite revolutionary in a country without a national credit score and with the world’s highest interest spreads. The company mission is to improve people’s well-being by providing the complete information needed to make better financial decisions.

Vise, Inc. develops a machine learning and artificial intelligence-based portfolio management software. It offers Vise, a subadvisor platform that integrates with the users’ favorite custodian, imports client data, and automatically handles trading and ongoing management. The company serves advisors, wealth managers, financial analysts, and portfolio managers. Vise, Inc. was formerly known as Artificial Intelligence Labs, Inc. The company was incorporated in 2016 and is based in New York, New York.

At Digital Currency Group (DCG), we build and support bitcoin and blockchain companies by leveraging our insights, network, and access to capital. Based in New York City, DCG has been an active seed investor in the digital currency industry with 150+ investments in over 30 countries. In addition, DCG owns and operates CoinDesk, the top media and events platform in the blockchain space, Genesis Trading, the industry's leading bitcoin brokerage firm, and Grayscale Investments, the largest digital currency asset management firm.

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.

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.

Warren is an investment platform that simplifies finances and transforms the habit of investing in something easy, transparent, and efficient. The company was founded in 2016 and is based in Porto Alegre, Brazil.

Offchain Labs make smart contracts easier to develop at massive scale, with production level security. Their developer tools do the heavy lifting to add a flexible second layer to your decentralized application architecture, so that you can focus on business logic and user experience.

Revolut Limited develops a mobile application that allows users to exchange currencies at interbank rates, send money through social networks, and spend with a multi-currency card. The company, through its subsidiary, provides phone, medical insurance, and travel insurance. Revolut Limited was incorporated in 2013 and is based in London, United Kingdom.

Groww is an investment platform that offers a new way of investing money with stockbroking and direct mutual funds. The platform provides insights about mutual funds, systematic investment planning, equity-linked savings, and everything from the personal finance world, which helps new investors make investing simple by maintaining a simplified user interface to make investing easy, accessible, transparent, and paperless, enabling users to invest in mutual funds without any hassles. Customers can also invest in gold and US stocks through the Groww platform. The company is also a part of Y Combinator’s winter 2018 batch. Founded in 2017 by Lalit Keshre, Harsh Jain, Neeraj Singh, and Ishan Bansal, the company was launched in Bengaluru, Karnataka.

Helium Systems Inc. operates an IoT smart sensor device for enterprises and industries. The company develops sensor device that monitors temperature, humidity, barometric pressure, motion, and light. The device is used in monitoring facilities and quality control in medical products, energy costs, air quality, and temperature for refrigerators. The company also provides a web and mobile dashboard to manage sensors accessed by users. Helium Systems, Inc. was formerly known as Skynet Phase 1 Inc. The company was incorporated in 2013 and is headquartered in San Francisco, California.

Ajaib operates an online wealth management platform to automatic saving and investing in Indonesia. The company was founded in 1990 and is based in Jakarta, Indonesia.

Raisin is a savings and investment marketplace that connects retail customers with banks looking to expand deposit reach. The company's goal is to provide savers the best interest rates. The company gives access to exclusive savings products from all over Europe. Raisin assures a smooth investment process and the simple management of investments with all of the partner banks via one single platform. Raisin was founded on 2012 and is headquartered in Berlin, Germany.

Chainalysis builds trust in blockchains between people, businesses, and governments. Our Blockchain Intelligence Platform powers our compliance and investigation software for the world’s top institutions. With offices in NY, D.C., and Copenhagen, Chainalysis is global and backed by Benchmark and other leading names in venture capital.

Root Insurance is a property-casualty insurtech that offers personalized, affordable coverage in an app. Using technology in smartphones to measure driving behavior such as braking, speed of turns, driving times, and route regularity, Root determines who is a safe driver and who isn't. By only insuring safe drivers, Root can offer more affordable car insurance rates. Root also offers hassle-free and affordable app-based renters insurance, providing coverage that’s easy to understand and is personalized around real consumer needs.

Raisin is a savings and investment marketplace that connects retail customers with banks looking to expand deposit reach. The company's goal is to provide savers the best interest rates. The company gives access to exclusive savings products from all over Europe. Raisin assures a smooth investment process and the simple management of investments with all of the partner banks via one single platform. Raisin was founded on 2012 and is headquartered in Berlin, Germany.

Nubank issues, administrate, processes, and transfers payments related to post-paid credit cards and equity investment in other entities. It serves clients in Brazil. The company launched its proprietary loyalty rewards program ("Nubank Rewards"), as well as a digital account ("NuConta") that is already used by more than 17 million people. In Cristina Junqueira, David Velez, and Edward Wible founded EO2 Solucoes de Pagamento on May 6, 2013 that became Nubank in on June 25, 2013. It has its headquarters in São Paulo in Brazil.

CRED is a members-only app that rewards the user with exclusive rewards for paying credit card bills. The company is committed to protecting the data and information of its members. CRED works on the guiding principle of opt-In consent and full transparency. The company's security processes and technology implementations combined with regulatory compliance is how it access, store, and use member data.

Invoice2go is the world’s top selling invoicing app, giving small businesses in more than 160 countries control over their time and their business. Offering the most straightforward way to run a business, Invoice2go brings together all the tools needed to get the job done: From winning jobs, tracking estimates and payments, and offering customers the ability to pay any way. The company was started by a small business owner who came from a family of tradespeople, and wanted to help them streamline their invoicing. Today, Invoice2go's popularity has spread around the globe, with more than 250,000 small business owners in 160+ countries using the app to send $24 billion in invoices every year.

KAVAK is the online platform that offers an exceptional experience of buying and selling used cars in Mexico, with the best prices on the market and without leaving home.

Chipper Cash is a financial services company that features a software application platform that enables free instant cross-border mobile money transfers in Africa as easy as sending a text message. The company was founded in 2017 and is headquartered in San Francisco, California.

Money View is an application that is able to track and organize expenses, bills, and account balances. It is able to derive finance information from SMSs. Money View enables its users to set and follow budgets, view their bank account balance, obtain reminders about bills, and spit bills with the other users. It also facilitates Savings+ and TaxSaver+ that allows its users to save money. Money View was founded in April 2014 by Sanjay Aggarwal. It is based in Bangalore, Karnataka.

Nubank issues, administrate, processes, and transfers payments related to post-paid credit cards and equity investment in other entities. It serves clients in Brazil. The company launched its proprietary loyalty rewards program ("Nubank Rewards"), as well as a digital account ("NuConta") that is already used by more than 17 million people. In Cristina Junqueira, David Velez, and Edward Wible founded EO2 Solucoes de Pagamento on May 6, 2013 that became Nubank in on June 25, 2013. It has its headquarters in São Paulo in Brazil.

When Funding Circle was founded, they could see that businesses weren’t being given the finance to grow, while investors were making poor returns. They had a simple idea — let them support each other. By lending directly to businesses through Funding Circle, investors can now earn attractive returns to better provide for their future. Businesses get fast, easy access to funding to grow, create jobs, support local communities and drive the economy forward. They believe it’s better for everyone.

At Xapo, they believe that bitcoin’s ultimate success will be based on trust – whether individuals trust the digital currency’s stability and whether they trust the industry’s security. That’s why we’ve assembled a team of financial services and security experts to build an entirely new bitcoin storage experience. By offering two distinct products – an easy access wallet and a locked-down vault – they’re marrying the convenience bitcoin users want for everyday needs with the security they require for confident bitcoin saving. It’s the most secure, the reliable, and the most convenient. That’s something we can all trust in.

Next Insurance Inc., an insurance agency, sells insurance products and services to small businesses online. It offers business, general liability, professional liability, commercial auto, and workers’ compensation insurance products and services. The company serves contractor, construction, consulting, fitness, cleaning, beauty, therapy, entertainment, education, other customers. Next Insurance Inc. was founded in 2015 and is based in Palo Alto, California.

Warren is an investment platform that simplifies finances and transforms the habit of investing in something easy, transparent, and efficient. The company was founded in 2016 and is based in Porto Alegre, Brazil.

When Funding Circle was founded, they could see that businesses weren’t being given the finance to grow, while investors were making poor returns. They had a simple idea — let them support each other. By lending directly to businesses through Funding Circle, investors can now earn attractive returns to better provide for their future. Businesses get fast, easy access to funding to grow, create jobs, support local communities and drive the economy forward. They believe it’s better for everyone.

Root Insurance is a property-casualty insurtech that offers personalized, affordable coverage in an app. Using technology in smartphones to measure driving behavior such as braking, speed of turns, driving times, and route regularity, Root determines who is a safe driver and who isn't. By only insuring safe drivers, Root can offer more affordable car insurance rates. Root also offers hassle-free and affordable app-based renters insurance, providing coverage that’s easy to understand and is personalized around real consumer needs.

Groww is an investment platform that offers a new way of investing money with stockbroking and direct mutual funds. The platform provides insights about mutual funds, systematic investment planning, equity-linked savings, and everything from the personal finance world, which helps new investors make investing simple by maintaining a simplified user interface to make investing easy, accessible, transparent, and paperless, enabling users to invest in mutual funds without any hassles. Customers can also invest in gold and US stocks through the Groww platform. The company is also a part of Y Combinator’s winter 2018 batch. Founded in 2017 by Lalit Keshre, Harsh Jain, Neeraj Singh, and Ishan Bansal, the company was launched in Bengaluru, Karnataka.

CRED is a members-only app that rewards the user with exclusive rewards for paying credit card bills. The company is committed to protecting the data and information of its members. CRED works on the guiding principle of opt-In consent and full transparency. The company's security processes and technology implementations combined with regulatory compliance is how it access, store, and use member data.

Robinhood is a stock brokerage that allows customers to buy and sell stocks, options, ETFs, and cryptocurrencies with zero commission. The startup offers equity, cryptocurrency, and options trading, as well as cash management accounts. It also provides a stock brokerage platform that democratizes access to the financial markets and aims to make people comfortable storing money and trading stocks using its application. Vladimir Tenev and Baiju Bhatt established the company in Menlo Park, California in 2013.

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 the fastest way for all kinds of people to pay using digital EMI, without the need of a credit card or a credit score. The company believes that being able to pay in EMI should be available to everyone and not only those who hold a credit card or have a credit score. With the use of mobile tech, digital banking, and AI, ZestMoney was made accessible to millions of Indian consumers. Founded in 2015 by digital finance and technology professionals, Priya Sharma, Lizzie Chapman and Ashish Anantharaman, the company is backed by leading global digital financial services investors like PayU, Ribbit Capital, Omidiyar Networks among other.

Raisin is a savings and investment marketplace that connects retail customers with banks looking to expand deposit reach. The company's goal is to provide savers the best interest rates. The company gives access to exclusive savings products from all over Europe. Raisin assures a smooth investment process and the simple management of investments with all of the partner banks via one single platform. Raisin was founded on 2012 and is headquartered in Berlin, Germany.

Goodlord’s mission is to make renting simple and transparent for everyone involved by using its mobile-friendly technology to streamline the lettings process for agents, landlords and tenants. Its cloud-based software digitises tenancy creation and progression, allowing Goodlord to cut pointless, time-consuming administration for agents while transforming the tenant and landlord experience. Goodlord also provides a shop-front for agents to easily offer services which provide more value to their tenants and landlords, such as insurance and utility services.

Sofía Salud, SA, a healthcare and technology company, provides health plans for individual and family. The company offers annual coverage, preventive video consultation, face-to-face consultation, medicines at home, nutrition, mental health, and more. The company was founded in 2018 and is based in Mexico City, Mexico.

Nubank issues, administrate, processes, and transfers payments related to post-paid credit cards and equity investment in other entities. It serves clients in Brazil. The company launched its proprietary loyalty rewards program ("Nubank Rewards"), as well as a digital account ("NuConta") that is already used by more than 17 million people. In Cristina Junqueira, David Velez, and Edward Wible founded EO2 Solucoes de Pagamento on May 6, 2013 that became Nubank in on June 25, 2013. It has its headquarters in São Paulo in Brazil.

Robinhood is a stock brokerage that allows customers to buy and sell stocks, options, ETFs, and cryptocurrencies with zero commission. The startup offers equity, cryptocurrency, and options trading, as well as cash management accounts. It also provides a stock brokerage platform that democratizes access to the financial markets and aims to make people comfortable storing money and trading stocks using its application. Vladimir Tenev and Baiju Bhatt established the company in Menlo Park, California in 2013.

Tala is a mobile technology and data science company that is oriented around financial services in emerging markets. More than 2 million people have borrowed through Tala’s smartphone app, which provides instant credit scoring, lending, and other personalized financial services in emerging markets. Tala provides personalized loans to approved borrowers and builds digital credit history. The company provides instant loans through a mobile app where the entire process happens, from loan application to funds release and status tracking. Tala was founded on October 1, 2011, and is the global team is headquartered in Santa Monica, with additional offices in Nairobi, Manila, Dar Es Salaam, Mexico City, Mumbai, and Bangalore.

Scratch Services, LLC develops a proprietary loan accounting system, payments infrastructure, and borrower-facing web application which operates as a loan servicer that delivers a borrower-first experience and improves consumers' ability to understand, manage, and repay their loans and facilitates transformation of the service ecosystem for both borrowers and lenders. The company was incorporated in 2015 and is based in San Francisco, California.

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.

Robinhood is a stock brokerage that allows customers to buy and sell stocks, options, ETFs, and cryptocurrencies with zero commission. The startup offers equity, cryptocurrency, and options trading, as well as cash management accounts. It also provides a stock brokerage platform that democratizes access to the financial markets and aims to make people comfortable storing money and trading stocks using its application. Vladimir Tenev and Baiju Bhatt established the company in Menlo Park, California in 2013.

Habito provides Habito Plus, a homebuying service which brings a buyer’s mortgage application, conveyancing needs and surveys under one solution, and a proprietary broker portal, which gives more than 3,000 external brokers exclusive access to the company’s own buy-to-let mortgage products and Instant Decision technology capabilities. The firm is now looking to bring to market a suite of innovative residential mortgage products for all types of homeowners.

When Funding Circle was founded, they could see that businesses weren’t being given the finance to grow, while investors were making poor returns. They had a simple idea — let them support each other. By lending directly to businesses through Funding Circle, investors can now earn attractive returns to better provide for their future. Businesses get fast, easy access to funding to grow, create jobs, support local communities and drive the economy forward. They believe it’s better for everyone.

A Banking Experience with you at its centre Designed to help you take control and do more with your money — one delightful feature at a time. Tailored to meet your needs, your dreams and your aspirations.

Affirm, Inc. provides Buy with Affirm, a closed-end installment loan product through a platform. The company’s product allows users to buy goods and services offered by online merchants and pay off those purchase in fixed monthly payments. Its users can select Affirm as their payment method at checkout, fill out fields for real-time decision, chose the payment plan that fits their budget, and process their order. Affirm, Inc. was incorporated in 2012 and is based in San Francisco, California with an additional office in Chicago, Illinois.

Alude TECNOLOGIA LTDA develops a real estate buying and leasing process automation platform. The company offers a platform, which provides background checks, document collection, contract proposals, insurance purchase, and online signing process automation to the brokers. It also sells mortgage and insurance to the customers. The company was incorporated in 2018 and is based in São Paulo, Brazil.

Tomo Networks, Inc. operates as a technology-driven real estate company. Its products include a mortgage and transaction platform for real estate agents and consumers. The company was founded in 2016 and is based in Stamford, Connecticut with additional locations in Seattle, Washington; and Austin, Texas.

Gusto develops web-based payroll solution for small- and medium-sized businesses. It operates an online platform that provides payroll, benefits, human resource, and integration services for employers and employees in the United States. Gusto offers health benefits and workers’ compensation benefits that include medical insurance, commuter benefits, and 401(k) contributions as well as workers’ compensation insurance plans, time tracking and integration services, and access to employees for processing payroll from web-enabled devices such as smartphones and tablets. It also provides access to employees and contractors to browse their previous pay stubs, review their payroll forms, verify their personal details, and statistics about their pay, tax payments and federal forms filing services, and security and support services. Gusto serves startups, coffee shops, doctors, creative agencies, lawyers, and boutiques. Edward Kim, Joshua Reeves, and Tomer London founded ZenPayRoll in 2011 that became Gusto, with its headquarters in San Francisco in California with an additional office in Denver in Colorado.

Figure provides consumer financial solutions intended for home improvement, debt consolidation, and retirement planning. Its financial services include provide home equity release services such as home equity lines of credit, home improvement loans, and home buy-lease back offerings for retirement leveraging through blockchain, artificial intelligence, and advanced analytics, enabling customers to access capital in as few as five days.

Robinhood is a stock brokerage that allows customers to buy and sell stocks, options, ETFs, and cryptocurrencies with zero commission. The startup offers equity, cryptocurrency, and options trading, as well as cash management accounts. It also provides a stock brokerage platform that democratizes access to the financial markets and aims to make people comfortable storing money and trading stocks using its application. Vladimir Tenev and Baiju Bhatt established the company in Menlo Park, California in 2013.

Root Insurance is a property-casualty insurtech that offers personalized, affordable coverage in an app. Using technology in smartphones to measure driving behavior such as braking, speed of turns, driving times, and route regularity, Root determines who is a safe driver and who isn't. By only insuring safe drivers, Root can offer more affordable car insurance rates. Root also offers hassle-free and affordable app-based renters insurance, providing coverage that’s easy to understand and is personalized around real consumer needs.

Chainalysis builds trust in blockchains between people, businesses, and governments. Our Blockchain Intelligence Platform powers our compliance and investigation software for the world’s top institutions. With offices in NY, D.C., and Copenhagen, Chainalysis is global and backed by Benchmark and other leading names in venture capital.

Coinbase is an online platform that allows merchants, consumers, and traders to transact with digital currency. It allows its users to create their own bitcoin wallets and start buying or selling bitcoins by connecting with their bank accounts. In addition, it provides a series of merchant payment processing systems and tools that support many highly-trafficked websites on the internet. Coinbase was launched in 2012 with a mission to create an open financial system for the world. It is operated from San Francisco, California.

Juniper Square operates an online based platform for private equity firms to find, raise, and manage capital. It provides an easy-to-use software that streamlines fundraising, investment administration, and investor reporting. With Juniper Square, clients will improve investor satisfaction, boost fundraising productivity, and save time and money on investment operations. Adam Ginsburg, Alex Robinson, and Yonas Fisseha founded it in 2014, with its headquarters in San Francisco in California.

CRED is a members-only app that rewards the user with exclusive rewards for paying credit card bills. The company is committed to protecting the data and information of its members. CRED works on the guiding principle of opt-In consent and full transparency. The company's security processes and technology implementations combined with regulatory compliance is how it access, store, and use member data.

Cheddar will be a video-centric media company that focuses on business content for the 18-34 market—even going so far as to broadcast live from the trading floor of the New York Stock Exchange for around one to two hours each day, as reported by Business Insider. Cheddar doesn't have a firm launch date just yet, though Steinberg told Business Insider that the company should have a preview of its daily live show ready to go by May. Though it's just a few weeks old, Cheddar is already starting to think about how it might approach the elephant in the room: Money. As in, how the service will make money in order to keep its operations going.

Chipper Cash is a financial services company that features a software application platform that enables free instant cross-border mobile money transfers in Africa as easy as sending a text message. The company was founded in 2017 and is headquartered in San Francisco, California.

Coalition is the provider of cyber insurance and security, combining comprehensive insurance and proactive cybersecurity tools to help businesses manage and mitigate cyber risk. Coalition provides companies with up to USD $15 million of cyber and technology insurance coverage in all 50 states and the District of Columbia, as well as CAD $20M of coverage across all 10 provinces in Canada. Coalition’s cyber risk management platform provides automated security alerts, threat intelligence, expert guidance, and cybersecurity tools to help businesses remain resilient in the face of cyber attacks.

Razorpay is a platform that enables businesses to accept, process, and disburse payments with its product suite. It gives access to all payment modes including credit card, debit card, net banking, UPI and popular wallets including JioMoney, Mobikwik, Airtel Money, FreeCharge, Ola Money, and PayZapp. The company was founded in 2014 and is headquartered in Bangalore, Karnataka.

Root Insurance is a property-casualty insurtech that offers personalized, affordable coverage in an app. Using technology in smartphones to measure driving behavior such as braking, speed of turns, driving times, and route regularity, Root determines who is a safe driver and who isn't. By only insuring safe drivers, Root can offer more affordable car insurance rates. Root also offers hassle-free and affordable app-based renters insurance, providing coverage that’s easy to understand and is personalized around real consumer needs.

Sofía Salud, SA, a healthcare and technology company, provides health plans for individual and family. The company offers annual coverage, preventive video consultation, face-to-face consultation, medicines at home, nutrition, mental health, and more. The company was founded in 2018 and is based in Mexico City, Mexico.

ContaAzul is a Brazilian easy-to-use online platform for small businesses that helps to organize financial routines in one place by connecting the company to accountancy, banks, stock, electronic invoicing, and much more. ContaAzul is committed to the success of the small entrepreneurs so it guarantees the delivery of a rich and instructional material aiding in education. ContaAzul was founded on 2012 and is headquartered in Joinville, Brazil.

CAN Capital, Inc., a financial services provider, provides working capital and small business loans in the United States. It offers small business term loans and merchant cash advances for inventory, technology upgrade, payroll, equipment, expansion, and marketing needs. CAN Capital, Inc. was formerly known as Capital Access Network, Inc. and changed its name to CAN Capital, Inc. in December 2013. The company was founded in 1998 and is based in Kennesaw, Georgia.

Ualá is an Argentina-based Latin American neobank. Its native apps link with a Mastercard that allows users to conduct financial transactions such as online or offline purchases, free P2P and top-ups, as well as other payments, both in Argentina and abroad. Ualá’s technology and proprietary integrations allow for live transactionality, the first and only PFM solution in the market, and secure instant transfers, among others.

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.

BharatPe is a QR code-based payment app for offline retailers and businesses. It allows merchants to accept UPI payments for ‘FREE’ through the BharatPe QR. Through the app, merchants can sign up instantly and start receiving the funds immediately in their bank account. The company was founded on a mission to make payments FREE for all businesses. The intention is to be the utility app for 10 mn+ offline merchants in India for all their business needs. BharatPe was founded in April 2018 and is based in New Delhi,, India.

Earnin is the new, faster way to get your paycheck. Unlike traditional, rigid paychecks that only show up every two weeks, Earnin gives you access to your pay as you earn it -- any time, any day, right from your smartphone. Earnin charges no fee or interest for using the service: instead, with each transaction users are given the opportunity to pay what they believe is fair. Launched in 2014, Earnin is driving consumer-empowered finance through mobile technology by breaking open more than $1 trillion held up in America's pay cycle. Current funding partners include Andreessen Horowitz, Matrix Partners, Ribbit Capital, Felicis Ventures, March Capital Partners, Trinity Ventures, Thrive Capital, and Camp One Ventures. For more information please visit www.Earnin.com.

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.

Ideal Invest provides financing solutions for the education sector. It has existed since 2001 with the aim of bringing financial solutions to the education sector. It started out by offering working capital finance to private universities, moving into student loans under the brand name Pravaler.

LendingHome offers fix-and-flip bridge loans and rental loans for real estate investors. Its built-from-scratch technology simplifies every stage of the loan process, ensuring easy financing for both novices and experienced real estate investors. LendingHome was established in 2014 by James Herbert and Matt Humphrey in San Francisco, California.

Capital Float is an online platform that provides working capital finance to SMEs in India. It offers flexible, short-term loans that can be used to purchase inventory, service new orders or optimize cash cycles. Borrowers can apply online in minutes, select desired repayment terms and receive funds in their bank accounts in 7 days with minimal hassle. Capital Float was founded in 2013 by Gaurav Hinduja and Sashank Rishyasringa.

Jetty is a financial services company on a mission to make renting a home more affordable and effortless for everyone. Jetty's solution helps property managers increase lease conversion, reduce bad debt, and streamline operations. For the renter, Jetty lowers the barrier to entry, saving residents thousands of dollars on move-in costs. Jetty was founded by Mike Rudoy and Luke Cohler in 2015 and is headquartered in New York.