Soma Capital

Flashnet is commited to build a Bitcoin exchange that anyone can use and where people keep their own money.

Kaya Pay is a developer of a materials procurement and financing platform intended for construction projects.

Paces is developing a data platform aimed at enhancing the profitability and feasibility of green infrastructure projects. By gathering and analyzing data from over 3,500 U.S. counties, Paces offers actionable insights that include environmental, permitting, zoning, interconnection information, and competition risks. The platform also provides modeled signals such as climate risks, profitability forecasts, and parcel rankings, allowing stakeholders to make informed decisions about specific land parcels and green infrastructure assets. This comprehensive approach helps to de-risk the development and operation of renewable projects, ultimately facilitating faster project development and improved financial returns for developers and investors.

Hyperplane AI is an enterprise-grade platform that helps to enhance productivity and efficiency of financial institutions.

Acctual is a developer of an automation platform specifically designed for accounts payable and receivable management, catering primarily to crypto companies. The platform simplifies the processing of bills in both crypto and fiat currencies by integrating seamlessly with existing accounting systems. It utilizes contextual journal entries to extract crucial information from invoices, thereby automating payments directly from digital wallets. This functionality allows businesses to establish efficient financial operations and maintain a standardized procedure for handling their financial transactions.

Puzzle Financial is a stealth mode SaaS startup focused on developing core accounting software designed to improve financial decision-making for startups. The platform aims to create a scalable foundation that supports fundraising, tax management, and real-time insights into overall business health. By transforming traditional accounting practices into a system of financial intelligence, Puzzle Financial enables startups to enhance their financial performance and gain greater trust and confidence in their financial operations.

Pioneer is a technology company that specializes in helping businesses secure non-dilutive funding. It operates an AI-powered platform designed to streamline the process of applying for grants, contracts, loans, and tax credits at federal, state, and local levels. The platform generates application drafts, increases application volume, and provides secure access to a wide range of government incentives, enabling businesses, particularly in the climate tech sector, to focus on their core operations while pursuing alternative funding sources.

Truewind is an AI-powered accounting and finance software provider that offers an innovative platform designed to enhance bookkeeping and financial management for startups. The company delivers a comprehensive financial back office experience through its artificial intelligence technology and concierge service. Truewind's platform enables businesses to establish reliable bookkeeping practices and develop detailed financial models, ensuring efficient operations and sound financial planning.

Arkifi is an AI company specializing in creating financial analyst tools. Its core product is an AI framework that generates accurate, reliable results, minimizing the risk of factual errors often associated with generative AI. This allows financial professionals to enhance their workflow efficiency and make decisions with confidence.

UnshETH is a pioneering DeFi (Decentralized Finance) platform specializing in Ethereum staking. It aims to enhance validator decentralization, offering a user-friendly interface and robust security features to facilitate seamless staking experiences for a wide range of users, from individual investors to institutions.

Slash operates an online banking platform designed to facilitate seamless fund transfers between personal and business bank accounts. The platform offers a range of services, including deposits, payments, virtual cards, and expense tracking. Users benefit from features such as account and routing numbers, direct deposit capabilities, and detailed statements. Additionally, the platform incorporates bank-level security encryption and read-only access to ensure user information is protected. A mobile application enhances the user experience by allowing customers to manage both personal and business accounts from a single dashboard and to split subscription costs with friends. Support services are available to address customer inquiries via email.

Cubo is a developer of a payment services platform. They offer small and medium businesses, starting with the point-of-sale systems that make payment accessible for merchants.

Tranch is a fintech company based in New York City, founded in 2021 by Beau Allison and Philip Kelvin. The company specializes in providing flexible payment solutions for businesses, enabling them to manage large invoices more effectively. By offering innovative expense financing services, Tranch allows fast-growing businesses, particularly in the SaaS and service sectors, to enhance their cash flow management. This approach prioritizes spending on growth by enabling companies to pay upfront for significant expenses while offering their customers flexible payment options. Tranch aims to simplify and accelerate accounts receivable processes through its advanced payment infrastructure.

X1 is a financial services company that offers an innovative credit card designed to enhance the shopping experience. The X1 Card is crafted from stainless steel and features advanced technology that allows for smart credit limits and an attractive rewards program. Cardholders can earn points for every purchase, which can be redeemed for various benefits. The card is backed by Visa Signature, giving users access to over 46 million merchants globally. Co-founded by former Twitter employees Deepak Rao and Siddharth Batra, X1 has attracted notable investors, including PayPal co-founder Max Levchin and others with significant experience in technology and finance. Through its unique offerings, X1 aims to transform traditional credit card usage and improve the way consumers shop and spend.

Harmonic connects entrepreneurs with the resources & capital they need to drive innovation. Harmonic's data engine provides insights into startups & professionals, allowing its users to identify opportunities using fresh company information. Harmonic was established in 2020 in San Francisco, California.

Integration Labs is a data integration platform that simplifies access to customers' accounting, e-commerce, and payment data for businesses. The platform offers a well-documented Unified API, allowing product teams to efficiently read and write data across more than 20 platforms, including popular services like Quickbooks, Shopify, and Stripe. Companies utilize Integration Labs to automate accounting processes, underwrite credit risk, generate valuable business insights, and develop new business tools. By prioritizing safety and reliability, Integration Labs enables organizations to streamline their operations and enhance decision-making capabilities.

Vance is a financial services provider focused on offering non-dilutive funding to revenue-generating startups. The company has developed a global neo-bank that facilitates access to a comprehensive banking infrastructure, allowing users to manage their finances seamlessly while traveling. Vance enables zero-cost, real-time payments across various countries, empowering consumers to conduct banking transactions across borders through a unified interface. This approach aims to support startups by providing essential financial resources without compromising their ownership stakes.

Grey provides secure and convenient global banking solutions tailored for individuals and businesses, particularly in emerging markets. With licenses from regulatory bodies in Canada and the USA, Grey offers a comprehensive range of services, including currency exchange, the ability to receive payments from over 80 countries, and access to virtual cards. The company's web-based banking platform allows users to open virtual global bank accounts, facilitating hassle-free foreign payments and cross-border transactions. Grey aims to enhance the interconnectivity of the gig economy in developing countries, viewing improved cross-border remittance as a key aspect of its mission to meet the evolving needs of its customers.

Rocketplace is a cryptocurrency trading platform based in Palo Alto, California, founded in 2021. It allows users to buy and sell cryptocurrencies without incurring commission fees, simplifying the trading process. In addition to its trading services, Rocketplace offers free weekly articles focused on cryptocurrency, NFTs, and Web3 topics, providing users with valuable educational resources as they engage in trading activities.

Ansible Labs' platform, Beam, connects blockchains and bank accounts. Their mission is to modernize money movement. It was founded in 2022.

CreatorDAO is a decentralized community established in 2022 and based in Los Angeles, California, focused on investing in creators. The organization provides essential resources such as capital, technology, and operational support to help creators develop their brands. Through its platform, CreatorDAO offers mentorship and access to professional tools that facilitate growth within the creator economy. This initiative aims to empower creators by enhancing their capabilities and providing the necessary support to thrive in a competitive landscape.

Cashmere is a platform designed for secure cryptocurrency storage and asset management, built on the Solana blockchain. It offers a safer crypto wallet that protects users' treasury by utilizing a multi-signature signing feature. This approach combines the convenience of hot wallets with the enhanced security of cold wallets, ensuring that cryptocurrencies remain safeguarded even if popular hot wallets are compromised. By focusing on the secure management of digital assets, Cashmere aims to provide individuals with a reliable solution for storing their cryptocurrencies.

Alongside builds indexes for cryptocurrencies.

Peakflo is a software-as-a-service (SaaS) company that specializes in collections and payables for businesses in Southeast Asia. Its platform enables finance teams, ranging from early-stage startups to established unicorns, to optimize their financial operations through a straightforward API and seamless accounting software integration. Users benefit from significant time savings, reportedly reclaiming up to 100 hours monthly on finance tasks. The platform also enhances cash flow by accelerating invoice payments by 10 to 20 days and streamlining the vendor payment process, which can cut associated fees by 50 to 90 percent. By focusing on the payment needs of small and medium-sized enterprises, Peakflo helps businesses reduce bad debts and maintain healthier cash flow.

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

Paces is developing a data platform aimed at enhancing the profitability and feasibility of green infrastructure projects. By gathering and analyzing data from over 3,500 U.S. counties, Paces offers actionable insights that include environmental, permitting, zoning, interconnection information, and competition risks. The platform also provides modeled signals such as climate risks, profitability forecasts, and parcel rankings, allowing stakeholders to make informed decisions about specific land parcels and green infrastructure assets. This comprehensive approach helps to de-risk the development and operation of renewable projects, ultimately facilitating faster project development and improved financial returns for developers and investors.

GoSats is a platform based in India that facilitates the accumulation of bitcoin through everyday shopping. It allows users to earn bitcoin cashback when they make purchases with partnered merchants, effectively creating a seamless way for individuals to invest in bitcoin passively. By integrating bitcoin stacking into routine transactions, GoSats aims to simplify the investment process and broaden access to cryptocurrency for a wider audience. This innovative approach not only encourages new investors to engage with bitcoin but also transforms regular shopping into an opportunity for wealth accumulation.

Pebble is the first financial product where you are paid to save, spend, and send your money — all in one balance.

Fasset is a company that develops blockchain-based platforms aimed at financing sustainable infrastructure and enhancing accessibility to digital assets, particularly in emerging markets. Founded in 2019 and headquartered in London, with additional offices in Abu Dhabi, Bahrain, Kuala Lumpur, and Singapore, Fasset offers solutions such as the Fasset Enterprise Platform, which provides tokenization services for sustainable infrastructure assets, and Fasset Exchange (FEX), a platform for trading cryptocurrencies. By focusing on enabling asset owners and investors in the Middle East and beyond, Fasset aims to drive the adoption of web3 technologies and digital assets, helping users build wealth in a risk-aware manner while addressing real-world use cases.

Treinta is a digital ledger application tailored for microbusinesses in Latin America, where a significant majority still rely on traditional pen-and-paper methods for record-keeping. The app enables users to efficiently track sales, expenses, debts, and inventory while providing real-time insights into key business metrics like cash flow and profitability. By digitizing financial processes, Treinta helps business owners save up to 30 minutes daily on bookkeeping tasks and enhances overall operational efficiency by over 30%. This innovative tool supports the estimated 50 million microbusinesses in the region by facilitating informed decision-making and streamlining financial management.

ContaLink is a SaaS-based accounting automation platform designed to assist accountants in Mexico by streamlining their workflows and enhancing their online service offerings. The platform provides comprehensive financial information and tools tailored for accounting, finance, and administrative tasks, ensuring compliance with taxation requirements. By reducing operational costs and eliminating the need for costly licenses, ContaLink enables accountants to improve efficiency and explore new revenue opportunities. Its focus on automation allows professionals to allocate more time to serving their clients effectively while managing their financial responsibilities.

Acctual is a developer of an automation platform specifically designed for accounts payable and receivable management, catering primarily to crypto companies. The platform simplifies the processing of bills in both crypto and fiat currencies by integrating seamlessly with existing accounting systems. It utilizes contextual journal entries to extract crucial information from invoices, thereby automating payments directly from digital wallets. This functionality allows businesses to establish efficient financial operations and maintain a standardized procedure for handling their financial transactions.

Mono is a digital bank designed specifically for startups and small to medium-sized businesses in Latin America, beginning its operations in Colombia. The company aims to empower these businesses by addressing key challenges they face in managing finances. Mono's platform enables users to open a digital checking account quickly, make online payments using a debit card, and integrate seamlessly with various software-as-a-service applications. This approach allows businesses to efficiently manage their expenses and streamline their financial operations, ultimately facilitating growth and enhancing financial control.

Konta is an online accounting service based in Monterrey, Mexico, focused on assisting micro and small businesses. Founded in September 2019 by José Menéndez and Pablo Icaza, Konta aims to simplify business operations for freelancers and small entrepreneurs through a cost-effective and automated platform. The service enables users to generate invoices, maintain accounting records, and supports electronic tax filing, facilitating efficient financial management. By providing these tools, Konta helps small businesses navigate their accounting needs more easily.

PayMongo Inc. is a payment processing platform based in Manila, Philippines, founded in 2019. It enables businesses to accept online payments through various methods, including credit cards, bank deposits, electronic wallets, and cash. The platform features a user-friendly dashboard for real-time transaction monitoring, analytics tools to analyze customer purchasing behavior, and an easy checkout process for customers. PayMongo also offers APIs that facilitate the development of diverse applications, ranging from e-commerce solutions to financial products. Merchants can share payment links via multiple communication channels, such as Messenger and email, simplifying the payment collection process. By streamlining online transactions, PayMongo aims to empower businesses in the rapidly evolving digital economy.

Pluto is the most comprehensive & powerful corporate card and spend management platform built for MENA businesses. From small businesses to the largest multi-national group holdings, businesses such as Property Finder, Knight Frank and Swissport have trusted Pluto with all of their non-payroll spending. Pluto combines the power of getting access to instant issuance unlimited corporate cards, full end-to-end reimbursements, petty cash & account payables management all within one platform. No more chasing for receipts, manually approving invoices on long e-mail threads or sharing one corporate card with several people. Pluto's enterprise platform brings control back to complex finance and accounting business processes and creates a streamlined approach to controlling your company's spending.

Float (YC W20) offers seamless global banking and modern treasury management for businesses.

TradeX is a financial exchange platform that allows individuals to engage in trading based on their opinions regarding various events. Users can predict outcomes on different topics, answering with a Yes or No, and receive rewards depending on the actual results of those events. This innovative approach not only facilitates personal expression but also enables users to hedge everyday risks associated with their predictions. By providing a structured environment for opinion-based trading, TradeX aims to create a dynamic marketplace that reflects public sentiment on significant issues.

Nitra is a financial technology company focused on enhancing the healthcare industry through efficient and transparent solutions. The company offers a platform that provides machine learning-powered financial software, including credit cards, loans, accounts, payments, and expense management tailored for medical professionals. Nitra's tools help healthcare providers streamline their spending and manage payments in one centralized location, offering a clear overview of daily expenses. The Nitra Visa Business Card rewards users with benefits for every transaction and provides access to discounts through a network of partners. By simplifying accounting and receipt reconciliation, Nitra aims to support healthcare providers in balancing patient care with efficient practice management, delivering modern technology and dedicated support to the sector.

Numida Technologies is a digital financial institution based in Kampala, Uganda, focused on serving micro, small, and medium enterprises in East Africa. Founded in 2015, Numida provides an application software that enables small businesses to maintain accurate digital financial records, allowing them to monitor their performance effectively. The company specializes in offering unsecured growth and working capital loans, leveraging a proprietary credit scoring system to assess borrowers' creditworthiness. By improving access to financing, Numida aims to foster a thriving small business sector that can create secure employment, enhance tax revenues for local governments, and uplift the living standards of entrepreneurs and their communities. Its platform not only helps businesses make informed financial decisions but also assists lending institutions in reducing risk and costs, ultimately leading to better lending terms for borrowers.

Stack Wealth is a financial services platform that focuses on empowering millennials to improve their financial well-being. It provides access to exclusive investment opportunities in diverse asset classes, including debt, equities, gold, and private credit, tailored to individual risk appetites. Stack Wealth's app allows users to track and automate their investments, offering detailed weekly and monthly reports to help them monitor their wealth growth. Additionally, the platform features an artificial intelligence-driven personalized manager that consolidates financial accounts, aids in budgeting, and encourages healthy savings habits. To incentivize good financial practices, Stack Wealth rewards its investors with complimentary shares for each investment made through the app.

PropReturns is an online platform founded in 2020 and based in Mumbai, Maharashtra, India, that facilitates real estate investment. It offers a marketplace where users can explore and invest in carefully selected real estate opportunities, including pre-leased commercial properties and distressed residential assets. The platform provides detailed analyses and comprehensive financial data, allowing investors to make informed decisions and build wealth through passive income. By focusing on hand-picked investments, PropReturns aims to simplify the investment process in the real estate sector.

Quo Finance Inc. is a financial technology company that designs and develops a financial planning platform aimed at helping consumers achieve their lifestyle goals more efficiently. Founded in 2018 and headquartered in Menlo Park, California, Quo employs advanced artificial intelligence to analyze users' financial histories and create personalized backup plans. This innovative platform enables users to modify loans and mitigate default risks automatically. In addition to its core offerings, Quo provides various financial insights and banking services, with a presence in multiple states across the United States.

Bolt is a company dedicated to enhancing e-commerce by providing a streamlined checkout experience. Founded in 2014 and headquartered in San Francisco, Bolt offers a platform that enables retailers to facilitate secure, one-click checkouts for their customers, eliminating the need for passwords or repeated personal information. This approach not only simplifies the purchasing process but also improves conversion rates and customer retention for businesses. A growing number of retailers, including well-known brands such as REVOLVE, Casper, Badgley Mischka, and Benefit Cosmetics, utilize Bolt's services to meet the demand for efficient and user-friendly online shopping experiences. By democratizing commerce, Bolt aims to strengthen the connection between retailers and their customers.

Dots is a multichannel payouts API that automates manual processes for marketplaces. Dots' API lets a marketplace pay their sellers in the ways they want to be paid, including Venmo, Paypal, ACH and Zelle. As more Americans earn a living by becoming a 1099 worker, marketplaces need to provide flexible payout options and we make supporting these payouts easy through a single API.

Inai is a single integration for your global payment stack. Inai will provide connections to multiple payment service providers ( Stripe, Adyen , Braintree), Wallets, BNPL platforms, open banking providers, fraud, BI and accounting in a single integration. Our dashboard will allow merchants to build custom workflows tailored to their unique business needs without writing any code

Moniepoint is a financial technology company that offers a comprehensive digital banking and payment ecosystem tailored for small and medium-sized businesses. The platform provides a range of services, including payment processing, credit access, and business management tools. Moniepoint enables businesses to create accounts and accept payments through various offline and online channels, facilitating efficient financial management. By integrating banking solutions with essential business tools, Moniepoint supports organizations in managing their finances and accessing the resources necessary for growth.

Treinta is a digital ledger application tailored for microbusinesses in Latin America, where a significant majority still rely on traditional pen-and-paper methods for record-keeping. The app enables users to efficiently track sales, expenses, debts, and inventory while providing real-time insights into key business metrics like cash flow and profitability. By digitizing financial processes, Treinta helps business owners save up to 30 minutes daily on bookkeeping tasks and enhances overall operational efficiency by over 30%. This innovative tool supports the estimated 50 million microbusinesses in the region by facilitating informed decision-making and streamlining financial management.

Cast Corporation, founded in 2019 and based in San Francisco, California, specializes in developing cast player technology that utilizes audio and video to simplify complex concepts. The company generates audio and video reports from data to enhance understanding of financial and revenue information. Its offerings include financial casts, research reports, investor relations tools, personal finance guidance, wealth management solutions, retirement investment planning, college savings plans, asset management services, as well as revenue intelligence and customer success business reviews. By focusing on customer engagement, Cast Corporation aims to help users comprehend financial data and encourage high-value actions.

Z1 is a digital banking application tailored for teenagers and young adults, focusing on fostering financial independence among its users. Founded in 2020 by a team with experience in education and fintech, including João Pedro Thompson, Thiago Achatz, Sophie Secaf, and Mateus Craveiro, the platform provides financial education alongside gamified features and digital banking services. The application enables users to manage their finances responsibly, offering transparency with no hidden fees. Z1 has attracted significant investment from notable backers, including Maya Capital and prominent founders, and has recently secured support from the American accelerator Y Combinator, which has a reputation for nurturing successful startups.

Clara is a spending management platform focused on serving companies in Latin America. It offers an end-to-end solution that includes locally-issued corporate cards, bill payment services, financing options, and a software platform that streamlines corporate expense management. The platform is designed to simplify and automate financial processes, allowing businesses to gain real-time insights into spending and manage budgets more effectively. Clara is backed by a diverse group of global and regional investors, aiming to empower companies with greater financial agility and clarity. By enhancing the way company finances are managed, Clara contributes to increasing the economic competitiveness of the region.

Harmonic connects entrepreneurs with the resources & capital they need to drive innovation. Harmonic's data engine provides insights into startups & professionals, allowing its users to identify opportunities using fresh company information. Harmonic was established in 2020 in San Francisco, California.

Volopay is a financial solution provider focused on enhancing corporate financial operations through a comprehensive spend management platform. The company offers corporate cards, automated expense management, and accounting integrations designed to streamline processes and improve visibility over business spending. With a commitment to empowering finance teams, Volopay transforms traditional bookkeeping roles into strategic functions that contribute to organizational growth. Its platform facilitates various payment needs, including software subscriptions, employee reimbursements, and vendor payouts, all while providing control and oversight of expenses. By leveraging artificial intelligence, Volopay helps businesses manage expense requests, approvals, and bill payments efficiently, ultimately saving time and reducing costs. The company aims to establish itself as a leading financial partner for businesses in the APAC region seeking greater efficiency and effectiveness in their financial management.

Welcome Homes is an online platform designed to simplify the home building process for buyers. By streamlining various stages, including land selection, customization, financing, and construction, it allows users to manage their home-building journey entirely online. This approach transforms home buyers into home builders, providing a seamless and price-transparent experience. Welcome Homes aims to help individuals save time and ensure they can create a beautifully designed home in their preferred location.

Workpay, established in 2017 and headquartered in Nairobi, Kenya, specializes in providing cloud-based payroll, benefits, and human resource management software tailored for small and medium-sized businesses in Africa. Its comprehensive solution includes time and attendance tracking, HR and payroll processing, payment and loans processing, and employee self-service management. Workpay empowers businesses to hire both local and remote teams across Africa, ensuring compliance and streamlining processes without the need for local entities.

Standard Metrics is an automated financial platform that streamlines data management for investors and startups. By eliminating data silos commonly found in spreadsheets and outdated applications, it provides a centralized system for accessing essential financial metrics and investment information. The platform enables real-time engagement between investors and founders, fostering transparency and facilitating informed decision-making. With automated data collection and comprehensive portfolio management services, Standard Metrics empowers startups to analyze their performance effectively, ultimately aiding in strategic scaling and maximizing returns for investors.

Nexu is a financing platform that enables car dealerships to provide a fully digital and real-time financing experience for buyers. The platform employs artificial intelligence and advanced algorithms to facilitate the comparison of automotive loan options, connecting individuals seeking credit with various financial institutions. Users can optimize their search for auto loans through Nexu's portal, where they can review, analyze, and obtain loan offers without incurring any costs. This streamlined approach enhances access to financing for a broader range of car buyers, making the process more efficient and user-friendly.

Zeo Auto is a freight management platform based in Mumbai, India, that specializes in tracking and improving fleet operations for commercial vehicles. The platform provides real-time location tracking and integrates with various sensors to monitor critical parameters such as temperature, fuel, and engine status. It assists fleet managers in managing end-to-end operations, which includes capturing orders, assigning drivers, route planning, trip management, and vehicle tracking. Additionally, Zeo Auto offers services like waybill generation to streamline logistics processes. The company aims to be a comprehensive solution for fleet owners by addressing their diverse needs, including load servicing, vehicle maintenance, financing, and insurance.

Delt is building the Brex of Latin America.

Autosave is a financial platform. They offer to deposit money through their platform. It provides a tax-savings and pension calculator.

Ramp Holdings, Inc. specializes in Software-as-a-Service solutions aimed at modernizing financial operations and enhancing content delivery. The company provides a comprehensive platform that includes tools for corporate card management, expense tracking, bill payments, and accounting integrations. By leveraging advanced technologies such as speech-to-text, natural language processing, and search engine optimization, Ramp allows organizations to maximize the value of their video content and drive increased engagement. Its offerings also include various video management solutions, notably for the SharePoint ecosystem, which facilitate seamless integration, live streaming, and efficient content delivery. Founded in 1948 and based in Boston, Massachusetts, Ramp operates as a subsidiary of Raytheon BBN Technologies Corporation. The company serves diverse industries, including media, finance, healthcare, and technology, with a focus on creating cost-effective and insightful financial tools for organizations.

Over the last decade, we have spent our lives living and breathing the silicon valley start-up life. From coding in our living room to enacting hundred-million-dollar acquisitions, we came to Silicon Valley with a vision. We envisioned a future that many wrote off as unnecessary, but today is the inevitable future of the private market economy. But while we have thrived from the unparalleled growth and opportunity in the private market, the rest of the world has not. Instead, our friends and family stand outside, looking in as class divisions have widened, and a sense of inequality has become pervasive. In this time of growth — this era of technological wonder, innovation, and entrepreneurship — how can we do better? How can we scale the most significant opportunity of our generation? By providing public access to the private market. As a society, we must make innovation accessible, because making sure that the next generation of innovators can have ownership of the future is the first step in inspiring them to take ownership of the future. Invest in access for everyone, invest in shared future, invest in progress. D/XYZ is a future for everyone. Own a piece of the future, today.

PayMongo Inc. is a payment processing platform based in Manila, Philippines, founded in 2019. It enables businesses to accept online payments through various methods, including credit cards, bank deposits, electronic wallets, and cash. The platform features a user-friendly dashboard for real-time transaction monitoring, analytics tools to analyze customer purchasing behavior, and an easy checkout process for customers. PayMongo also offers APIs that facilitate the development of diverse applications, ranging from e-commerce solutions to financial products. Merchants can share payment links via multiple communication channels, such as Messenger and email, simplifying the payment collection process. By streamlining online transactions, PayMongo aims to empower businesses in the rapidly evolving digital economy.

Handle, Inc. is a software company that specializes in managing personal workflows through an integrated application. The software facilitates collaboration across to-do lists, emails, and calendars to streamline task management. Handle's technology is particularly focused on the construction industry, providing solutions for credit and finance teams within Fortune 500 material suppliers and contractors. The platform addresses challenges such as late payments and access to capital by automating tasks related to lien management, deadline tracking, and document management. This enables clients to expedite payments to contractors and suppliers. Founded in 2011 and based in La Jolla, California, Handle was previously known as handl, inc. before rebranding in 2012.

Seawise Capital Inc is a trade finance company based in Santa Clara, California, specializing in providing working capital solutions for small and medium-sized enterprises (SMEs) in India. The company focuses on supporting exporters by offering collateral-free capital through the discounting of invoices from international customers. This approach enables businesses to access necessary funds without the need to pledge personal or business assets. Seawise Capital also features an online portal that allows users to upload invoices and receive payments in real time, streamlining the process of managing exports and enhancing trading volumes for SMEs.

Keeper Tax Inc. is a San Francisco-based company that specializes in bookkeeping software designed to help users maximize their tax write-offs. Founded in 2018, the platform uses machine learning to monitor transactions from linked bank accounts and credit cards, identifying potential tax deductions that might otherwise go unnoticed. Upon registration, each customer is assigned a dedicated bookkeeper who assists in tracking expenses and planning finances throughout the year. The service caters to a diverse clientele, including real estate agents, freelancers, rideshare drivers, and Airbnb hosts, providing a comprehensive solution for managing tax-related finances.

Deel, Inc., also known as Lets Deel, Inc., is a payroll and compliance platform that simplifies the hiring and management of global remote contractors. Founded in 2017 and headquartered in San Francisco, California, the company offers an integrated platform that combines contracts, payments, and tax compliance into a single interface. This allows businesses to efficiently manage the complexities of hiring international employees while ensuring adherence to local regulations. Deel's services include automated payment processing, invoicing, customer support, and insurance products related to employment. The platform is designed to enhance the experience for both organizations and contractors, streamlining the onboarding process and facilitating seamless payroll operations worldwide.

WaystoCap Sarl operates a B2B online marketplace focused on facilitating trade among businesses in Africa. Founded in 2014 and based in Casablanca, Morocco, the platform enables merchants to buy and sell a variety of products across industries such as food and beverage, household appliances, textiles, and industrial tools. In addition to product discovery, WaystoCap connects users with financing options, insurance providers, and logistics services, enhancing the overall trading experience. The platform aims to streamline operations by ensuring secure payments and efficient shipment management. By bridging infrastructure gaps and fostering trust in African trade, WaystoCap supports both buyers in finding competitive products and suppliers in accessing new markets.

Flutterwave Inc. is a financial technology company that offers comprehensive payment solutions for businesses globally. Founded in 2014 and headquartered in San Francisco, California, Flutterwave provides a range of services, including Flutterwave Checkout for processing payments via web and mobile, and a Flutterwave API for creating and managing virtual cards. The platform also includes tools for invoicing, allowing businesses to create professional invoices and track payments, as well as payment links for easy collection from customers. Serving various industries such as gaming, events, transportation, and hospitality, Flutterwave aims to simplify payment infrastructure by connecting merchants with local and international card schemes and bank accounts, ensuring secure and efficient payment processing.

Paribus Co. operates a portal that monitors price changes for online purchases and automatically files claims for refunds when prices drop. Founded in 2014 and based in New York, the company helps consumers recover money on items purchased online that later go on sale. Paribus specializes in e-commerce and consumer technology, ensuring customers receive the difference back as guaranteed by retailers. As of October 2016, Paribus functions as a subsidiary of Capital One Financial Corporation.

Razorpay is a payment platform founded in 2014 and headquartered in Bangalore, Karnataka. It enables businesses to accept, process, and disburse payments through a comprehensive product suite that supports various payment methods, including credit cards, debit cards, net banking, UPI, and popular digital wallets. Razorpay offers APIs and integrations that facilitate the management of online transactions, automate electronic funds transfers, and enable real-time payment processing. The platform also allows businesses to collect recurring payments and share invoices with customers, providing a secure and efficient solution for financial transactions.

Kickpay Inc., based in San Francisco, California, operates a marketplace that allows businesses to sell their invoices to investors at a discount. Founded in 2014, the company focuses on transforming inventory financing for hardware companies. By utilizing clients' data, Kickpay provides access to financing options that were previously out of reach, enabling businesses to pay for goods as they sell. This innovative approach not only facilitates faster growth for clients but also enhances their financial management capabilities.