Tencent Holdings

Lunar A/S is a digital challenger bank based in Aarhus, Denmark, that offers mobile banking solutions through its online application. Founded in 2015, the company provides a range of financial services designed for personal finance management, including digital banking, payment transfers, loans, and investment options. Its product offerings encompass features like tracking expenses, interactive budgets, travel insurance, and a customizable metal card. Lunar also operates a subscription-based service called Lunar Premium, which provides additional banking features. The company has expanded its services to Norway and Sweden and aims to establish full personal and business banking operations while pursuing profitability in key markets. With a workforce of over 180 employees, Lunar has raised significant funding to support its growth and innovation in digital banking for the millennial generation.

FDB is Israel's first digital bank to incorporate artificial intelligence.

PT. FLIP is a financial technology company based in Depok, Indonesia, founded in 2015. It operates an online platform that facilitates secure interbank fund transfers without any transaction fees. The application is designed to provide users with an efficient and seamless experience for various money transactions, allowing them to save on costs typically associated with interbank transfers. By focusing on innovative solutions, PT. FLIP aims to offer fair financial services that are accessible to a broad audience, enhancing the overall user experience in digital money transfer.

Previse Limited develops and offers a proprietary artificial intelligence (AI) solution that supports instant payments between corporate and SMEs. It product provides a score which is a score the likelihood that a corporate buyer will ultimately pay a supplier’s invoice. The company provides the score to funders, principally banks, and asset managers, which pay the supplier instantly on the buyer’s behalf. The company was incorporated in 2014 and is based in London, United Kingdom.

Jeeves is a financial services provider focused on empowering businesses worldwide through a modern financial platform. This platform enables customers to open multi-currency accounts and track company-wide spending efficiently. Jeeves offers features such as cross-border payments, corporate card issuance, and comprehensive expense management, all from a single interface. The company aims to address the limitations of traditional financial offerings by leveraging innovative technology and insights gained from its founders' entrepreneurial experiences. With a diverse team that brings expertise from both Silicon Valley and Wall Street, Jeeves is dedicated to simplifying financial processes for global businesses.

Lunar A/S is a digital challenger bank based in Aarhus, Denmark, that offers mobile banking solutions through its online application. Founded in 2015, the company provides a range of financial services designed for personal finance management, including digital banking, payment transfers, loans, and investment options. Its product offerings encompass features like tracking expenses, interactive budgets, travel insurance, and a customizable metal card. Lunar also operates a subscription-based service called Lunar Premium, which provides additional banking features. The company has expanded its services to Norway and Sweden and aims to establish full personal and business banking operations while pursuing profitability in key markets. With a workforce of over 180 employees, Lunar has raised significant funding to support its growth and innovation in digital banking for the millennial generation.

Developer of financial software designed to facilitate the consolidation of benefits in one central location. The company's socially responsible platform consolidates and provides all employment benefits in a flexible alternative for employees through a proprietary card, enabling employees to access the benefits they are entitled to.

Monzo Bank Limited is a digital-only bank based in London, United Kingdom, offering a range of financial services including current accounts, savings accounts, overdrafts, and loans for both individuals and businesses. Established in 2015 and rebranded from FOCUS FS LIMITED in 2016, Monzo focuses on providing an efficient online banking experience through its mobile application, catering to tech-savvy customers who prefer managing their finances without traditional bank branches. The platform allows users to spend, save, and manage their money seamlessly, with real-time balance updates, intelligent notifications, and comprehensive tracking of transactions. Monzo aims to serve as a central hub for users' financial activities, enhancing their overall banking experience.

Qonto is a financial platform that provides online banking services specifically designed for small and medium-sized enterprises (SMEs). Founded in 2017 by Alex and Steve, Qonto emerged from the founders' frustrations with traditional banking experiences while running their previous company. The platform simplifies banking operations, bookkeeping, and budget management, allowing businesses to send and receive payments through digital bank accounts. It caters to various company types and sizes, enabling clients to manage financial transactions via a mobile application using physical or virtual cards, all while eliminating the need for cumbersome paperwork. With a growing customer base of 50,000 businesses, Qonto aims to deliver a banking experience that meets the unique needs of European entrepreneurs.

Quantinfo Technology, founded in 2014 and based in Shanghai, China, specializes in providing financial information and technology solutions tailored for quantitative trading. The company offers a suite of tools, including FinOne Backtesting, which aids in the development of quant trading strategies through features like historical market data management, code development, backtesting algorithms, and reporting. Additionally, its FinOne Quant Trading platform supports market data cleansing, data source aggregation, and risk management, facilitating execution for various trading strategies. Quantinfo Technology serves a range of clients in the income, Forex, and precious metal markets, including prominent financial institutions such as ICBC, Bank of Ningbo, and CITIC Securities. The company's focus is on delivering comprehensive quantitative trading support to enhance the capabilities of financial institutions.

FDB is Israel's first digital bank to incorporate artificial intelligence.

Lydia Solutions SAS is a Paris-based company founded in 2012 that specializes in financial software for mobile payments. The company has developed a platform that facilitates peer-to-peer (P2P) and peer-to-business (P2B) transactions, enabling users to make payments easily and efficiently. Lydia's mobile application serves as a social interface that connects users' phones with payment cards, allowing them to send money to anyone with the app without the need for physical cash, checks, or ATM cards. The platform also offers features such as the ability to set aside funds for specific purposes and associate multiple payment methods with user accounts, enhancing the overall payment experience.

TymeBank is a fully black-owned and controlled investment company based in South Africa. It is an exclusively digital retail bank that aims to provide every South African accessible and affordable banking so that they can take part in, grow and benefit from the country’s economy.

Enfuce Financial Services Oy, founded in 2016 and based in Espoo, Finland, specializes in providing a cloud-based payment platform tailored for banks, fintechs, and merchants. The company offers a range of services, including open banking, payment processing, issuing and acquiring solutions, as well as sustainability services like a carbon footprint tracker. Enfuce's innovative technology and compliance expertise enable it to deliver scalable and secure solutions to its clients, facilitating their financial operations and expansions. With a workforce of over 50 professionals in the Nordics, Enfuce supports nearly 10 million end-users on its platform, ensuring efficient monitoring, reporting, and handling of disputes and errors in financial transactions.

Billie GmbH, based in Berlin, Germany, is a fintech startup founded in 2016 that specializes in pre-financing invoices and online factoring services for small and medium-sized enterprises (SMEs). The company aims to improve working capital management through a fully automated invoice financing solution, addressing the order-to-cash challenges faced by SMEs. Billie's platform facilitates expedited B2B invoicing and payments by utilizing big data analytics and digital processes, allowing for instant financing of purchases directly at the online point-of-sale. In addition to its invoice factoring services, Billie offers a pay-after-delivery product to help SMEs secure improved payment terms, enabling them to manage outgoing invoices efficiently without hidden fees or excessive paperwork.

Jeeves is a financial services provider focused on empowering businesses worldwide through a modern financial platform. This platform enables customers to open multi-currency accounts and track company-wide spending efficiently. Jeeves offers features such as cross-border payments, corporate card issuance, and comprehensive expense management, all from a single interface. The company aims to address the limitations of traditional financial offerings by leveraging innovative technology and insights gained from its founders' entrepreneurial experiences. With a diverse team that brings expertise from both Silicon Valley and Wall Street, Jeeves is dedicated to simplifying financial processes for global businesses.

KhataBook is an innovative Indian company that provides a smartphone-based ledger application tailored for micro, small, and medium businesses. Founded in 2018, the app assists entrepreneurs in managing their business and personal credits by securely tracking transactions and automatically sending payment reminders to customers. It also facilitates online payment collection through UPI and QR codes, helping merchants streamline their financial processes. With its user-friendly interface, KhataBook has gained significant traction, boasting over 20 million registered users and support for more than 11 languages. The company's contributions to enhancing efficiency in the business sector have been recognized, earning it the "Best Innovative Mobile App" award at the India Digital Awards in 2020.

Cora is a digital bank based in São Paulo, Brazil, focused on providing financial services to self-employed individuals and small to medium-sized enterprises (SMEs). Currently operating in closed beta, the company plans to launch a free mobile account specifically for SMEs, with future offerings including a range of payment solutions, credit products, and financial management tools. Cora aims to simplify the financial management process for its clients by offering a customer-centric platform that addresses the unique needs of small businesses, helping them navigate the complexities of day-to-day finance while reducing bureaucracy and repetitive tasks. Founded by Igor Senra Magalhães and Leonardo Soares Barbosa Mendes, Cora is dedicated to empowering entrepreneurs through accessible financial solutions.

PhonePe is a mobile payments application that facilitates instant money transfers between users through their mobile numbers. By utilizing the Unified Payments Interface (UPI) and a digital wallet, PhonePe aims to simplify digital transactions, making them easy, secure, and widely accepted. The company’s vision is to eliminate the need for cash and cards by providing a seamless payment experience for both consumers and businesses. Through its innovative platform, PhonePe is transforming the way people engage in commerce, enhancing convenience in everyday transactions.

Ualá is a fintech platform that offers a prepaid MasterCard card to help users keep track of spending, complete transfers, and more. 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. The platform's technology and proprietary integrations allow for live transactionality, the first and only PFM solution in the market, and secure instant transfers, among others. Uala also allows users to track expenses through an analysis tool. Some selected users can also request a loan through the app. Ualá is available in Argentina for Android and iOS.

Lunar A/S is a digital challenger bank based in Aarhus, Denmark, that offers mobile banking solutions through its online application. Founded in 2015, the company provides a range of financial services designed for personal finance management, including digital banking, payment transfers, loans, and investment options. Its product offerings encompass features like tracking expenses, interactive budgets, travel insurance, and a customizable metal card. Lunar also operates a subscription-based service called Lunar Premium, which provides additional banking features. The company has expanded its services to Norway and Sweden and aims to establish full personal and business banking operations while pursuing profitability in key markets. With a workforce of over 180 employees, Lunar has raised significant funding to support its growth and innovation in digital banking for the millennial generation.

Operator of a B2B e-commerce marketplace intended to help shop owners digitally procure goods for their stores by eliminating middlemen. The company's marketplace uses technology to connect stores directly to the companies and facilitates owners to add new types of products to sell including mobile top-ups, remittances, and banking services, enabling stores or small neighborhood retail shop owners to save costs and understand market trends.

Scalable Capital Vermögensverwaltung GmbH, founded in 2014 and based in Munich, Germany, is a digital investment service that specializes in portfolio management. The company utilizes proprietary software to create dynamically optimized investment portfolios, emphasizing risk management. By leveraging advanced technology, Scalable Capital aims to provide high-quality investment services that were traditionally accessible only to large institutional investors, making them available to individual investors at a lower cost. The firm has expanded its presence to London and has received funding from notable venture capital firms and angel investors.

Bibit is a Robo-advisor application aimed at making investing more accessible in Indonesia. It offers a financial platform that assists users with personal investments by intelligently allocating their funds into a diversified mutual fund portfolio. The platform takes into account individual factors such as age, income, and overall risk profile, thereby providing users with a streamlined and hassle-free investment experience. Bibit effectively combines technology with professional financial planning services, enabling a broader audience to engage in investment activities.

BUX is a financial technology company based in Amsterdam, founded in 2014, that provides mobile platforms for commission-free stock investing and CFD trading. The company's applications are designed to lower the barriers to financial markets, allowing users to buy shares and invest in real cryptocurrencies without incurring fees. BUX aims to offer a seamless and user-friendly experience, catering to both seasoned investors and those new to the stock market. By focusing on accessibility and affordability, BUX enables individuals to engage in financial markets more easily.

Shumei Technology is a private company established in 2015, headquartered in Wangjing, Beijing, China. It specializes in providing solutions for financial and online fraud using artificial intelligence and data analytics. The company focuses on business risk control, offering services that leverage software as a service (SaaS) and big data to help organizations mitigate risks associated with various financial activities. Through its AI-driven products and services, Shumei Technology aims to enhance security and efficiency for its clients in managing potential threats and vulnerabilities.

Fiture is a fitness technology company focused on transforming home fitness through innovative hardware and artificial intelligence. The company offers customized online workout courses alongside the manufacturing of intelligent home workout equipment. By leveraging AI technologies, Fiture aims to enhance user experience and support clients in achieving healthier lifestyles through effective at-home fitness solutions.

TrueLayer Limited is a London-based company that offers a platform for building financial applications. Established in 2016, it provides a toolkit designed to connect to bank data, verify accounts, and access transactions in real-time. TrueLayer's software-as-a-service (SaaS) platform enables the development of various consumer and small-to-medium business applications in sectors such as payments, online lending, personal financial management, robot-advisors, insurance, investment services, peer-to-peer marketplaces, and cryptocurrencies. The company's solutions are utilized by fintech startups, online lenders, and personal finance managers, contributing to the growth of the open banking economy by facilitating the creation of innovative financial services and products.

StashFin is a digital lending venture that offers online application for personal loans, providing simple and fast approval and disbursal for loans. It was started by a team of former financial services professionals who have more than 40 years of experience in consumer finance and capital markets. It is dedicated to disrupting traditional lending in India.

Inssent is an equity management platform for digital assets.

Fenbeitong is a corporate wallet application designed to streamline the management of corporate expenditures. The platform enables users to oversee, pay, and receive reimbursements for various business-related expenses, such as travel and procurement. By implementing intelligent control rules and reminder measures, Fenbeitong assists enterprises in significantly reducing costs associated with public consumption. Its credit monthly payment and unified invoice consumption model provide employees with a convenient way to manage expenditures without the burden of reimbursement processes, thus enhancing operational efficiency. Overall, Fenbeitong focuses on improving the financial management of corporate spending while facilitating a more efficient workflow for businesses.

Rakuten, Inc. is a prominent e-commerce and fintech service provider headquartered in Tokyo, Japan. The company operates through three main segments: Internet Services, FinTech, and Mobile. Its Internet Services segment includes various e-commerce platforms such as Rakuten Ichiba, a major online shopping mall, and Rakuten Travel, in addition to digital marketplaces for fashion, books, and groceries. The FinTech segment offers a range of financial services, including credit cards, banking, and insurance products. The Mobile segment provides mobile virtual network operator services and messaging solutions through Rakuten Mobile and Rakuten Viber. Rakuten's ecosystem encompasses approximately 80 digital services across various sectors, allowing businesses to leverage technological tools to enhance their operations. Established in 1997 and initially known as MDM, Inc., Rakuten has evolved into a key player in Japan's digital economy, with about 80% of its revenue generated domestically.

Provider of software products and digital operation services created to improve retail catering businesses competence. The company focuses on the integration of mobile internet, cloud computing, big data, and other advanced technologies into all areas of a business, enabling businesses to implement digital transformation and better meet customer needs.

Enfuce Financial Services Oy, founded in 2016 and based in Espoo, Finland, specializes in providing a cloud-based payment platform tailored for banks, fintechs, and merchants. The company offers a range of services, including open banking, payment processing, issuing and acquiring solutions, as well as sustainability services like a carbon footprint tracker. Enfuce's innovative technology and compliance expertise enable it to deliver scalable and secure solutions to its clients, facilitating their financial operations and expansions. With a workforce of over 50 professionals in the Nordics, Enfuce supports nearly 10 million end-users on its platform, ensuring efficient monitoring, reporting, and handling of disputes and errors in financial transactions.

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.

XiaoBangGuiHua is an intelligent investment advisory service platform. Through intelligent robot algorithm and advanced asset allocation model, it provides investors with scientific and systematic financial management solutions, including small help investment app, Bin Xu said investment series, love said finance and economics

Satispay S.p.A. is a fintech company based in Milan, Italy, that operates a mobile payment application allowing users to make payments to stores or friends via their smartphones. Founded in 2013, Satispay offers a platform that connects directly to users' bank accounts, enabling seamless transactions for both consumers and merchants. The consumer app is accessible to anyone with a bank account, while merchants can accept payments online or offline using various devices and point-of-sale systems. This direct connection to bank accounts allows Satispay to process payments with a structural cost advantage, resulting in no charges for consumers and a cost-effective, convenient solution for merchants.

Shenzhen Xiaoe Network Technology Co., Ltd. specializes in software development for education and content payment technologies. Established in 2016 and based in Shenzhen, China, the company offers a range of products, including enterprise internal training solutions, PaaS cloud services, and SaaS tools for media companies and content creators. Xiaoe Tech focuses on enabling knowledge monetization through its platforms, providing services such as content traffic distribution, business academies, and conference systems. Its offerings assist content entrepreneurs and educational institutions in managing customer relationships and enhancing operational efficiency. By integrating tools, data, and resources, Xiaoe Tech supports various industries in achieving effective brand communication, traffic growth, and comprehensive business monetization.

Fiture is a fitness technology company focused on transforming home fitness through innovative hardware and artificial intelligence. The company offers customized online workout courses alongside the manufacturing of intelligent home workout equipment. By leveraging AI technologies, Fiture aims to enhance user experience and support clients in achieving healthier lifestyles through effective at-home fitness solutions.

TrueLayer Limited is a London-based company that offers a platform for building financial applications. Established in 2016, it provides a toolkit designed to connect to bank data, verify accounts, and access transactions in real-time. TrueLayer's software-as-a-service (SaaS) platform enables the development of various consumer and small-to-medium business applications in sectors such as payments, online lending, personal financial management, robot-advisors, insurance, investment services, peer-to-peer marketplaces, and cryptocurrencies. The company's solutions are utilized by fintech startups, online lenders, and personal finance managers, contributing to the growth of the open banking economy by facilitating the creation of innovative financial services and products.

Everledger Limited, founded in 2015 and based in London, is a technology enterprise focused on creating digital ledgers to enhance transparency and trust in asset management. Specializing in the diamond industry, the company digitizes data points for each diamond, enabling a multi-layered ledger that tracks assets throughout their lifecycle across various stakeholders. By employing emerging technologies such as smart contracts, machine vision, and the Internet of Things, Everledger develops solutions that address economic, environmental, and societal challenges. Its blockchain-enabled platform fosters collaboration within a trusted ecosystem, allowing stakeholders to transparently trace and manage assets, thereby enhancing confidence in global supply chains. Everledger is committed to deploying scalable solutions tailored to clients' needs while continuously innovating to address emerging challenges.

KhataBook is an innovative Indian company that provides a smartphone-based ledger application tailored for micro, small, and medium businesses. Founded in 2018, the app assists entrepreneurs in managing their business and personal credits by securely tracking transactions and automatically sending payment reminders to customers. It also facilitates online payment collection through UPI and QR codes, helping merchants streamline their financial processes. With its user-friendly interface, KhataBook has gained significant traction, boasting over 20 million registered users and support for more than 11 languages. The company's contributions to enhancing efficiency in the business sector have been recognized, earning it the "Best Innovative Mobile App" award at the India Digital Awards in 2020.

N26 offers mobile banking solutions to customers in the European Union through its subsidiary. It provides international money transfer, investment, overdraft, and cash withdrawal and deposit at stores. N26 provides mobile banking services for customers. Its mobile banking services offer online banking that include making and handling of current accounts, fixed accounts, and other banking services, letting customers manage and control their banking details via a smartphone application easily. Maximilian Tayenthal and Valentin Stalf founded Papayer in February 2013, which later became N26, with its headquarters in Berlin in Germany.

Afterpay Pty Ltd is a technology-driven payments company based in Melbourne, Australia, that specializes in providing "buy now, pay later" services. Established in 2014, it enables retail merchants to offer customers the option to purchase goods and services online or in-store and pay in four interest-free installments over a short period. This approach allows customers to receive products immediately while maintaining financial control, as they avoid interest, fees, and extended debt if payments are made on time. Afterpay operates in multiple regions, including Australia, New Zealand, the United States, Canada, and the United Kingdom, and it partners with over 50,000 retailers worldwide. The platform is designed to promote responsible spending and financial wellness for consumers while supporting merchants in growing their businesses.

Airwallex is a technology company based in Hong Kong that specializes in providing a global payments and financial platform. Its services facilitate international transactions for businesses of all sizes, allowing them to make and receive payments efficiently and cost-effectively. By integrating advanced technology with a comprehensive ecosystem of application programming interfaces, Airwallex streamlines financial processes, enabling clients to issue and pay invoices in their preferred currency at competitive exchange rates. The platform addresses the complexities of the traditional financial system, helping businesses save time and reduce costs while expanding their operations both domestically and internationally. With a focus on empowering companies to thrive in a borderless digital economy, Airwallex plays a significant role in enhancing global commerce.

Farfetch operates an online luxury fashion retail platform that connects various independent boutiques worldwide. Founded in 2008 by Jose Neves and headquartered in London, the company offers a wide range of products, including bags, coats, dresses, jackets, jewelry, swimwear, trousers, shoes, knitwear, suits, shorts, and accessories for women, men, and children. Farfetch's modular technology platform is designed to meet the complex needs of consumers and luxury sellers, featuring an API-enabled proprietary technology stack that supports applications, services, and data management. Additionally, Farfetch has a dedicated division, Farfetch China, which focuses on enhancing connections within the luxury fashion industry in that market.

Qonto is a financial platform that provides online banking services specifically designed for small and medium-sized enterprises (SMEs). Founded in 2017 by Alex and Steve, Qonto emerged from the founders' frustrations with traditional banking experiences while running their previous company. The platform simplifies banking operations, bookkeeping, and budget management, allowing businesses to send and receive payments through digital bank accounts. It caters to various company types and sizes, enabling clients to manage financial transactions via a mobile application using physical or virtual cards, all while eliminating the need for cumbersome paperwork. With a growing customer base of 50,000 businesses, Qonto aims to deliver a banking experience that meets the unique needs of European entrepreneurs.

Lydia Solutions SAS is a Paris-based company founded in 2012 that specializes in financial software for mobile payments. The company has developed a platform that facilitates peer-to-peer (P2P) and peer-to-business (P2B) transactions, enabling users to make payments easily and efficiently. Lydia's mobile application serves as a social interface that connects users' phones with payment cards, allowing them to send money to anyone with the app without the need for physical cash, checks, or ATM cards. The platform also offers features such as the ability to set aside funds for specific purposes and associate multiple payment methods with user accounts, enhancing the overall payment experience.

Shumei Technology is a private company established in 2015, headquartered in Wangjing, Beijing, China. It specializes in providing solutions for financial and online fraud using artificial intelligence and data analytics. The company focuses on business risk control, offering services that leverage software as a service (SaaS) and big data to help organizations mitigate risks associated with various financial activities. Through its AI-driven products and services, Shumei Technology aims to enhance security and efficiency for its clients in managing potential threats and vulnerabilities.

Developer of digital transformation of car industry designed to apply the Internet, the Internet of Things and artificial intelligence to the automotive and transaction industries. The company assists auto manufacturers in the research and development of intelligent connected cars, new energy vehicle platforms, and big data application platforms, enabling users to have a joyful car experience.

Ualá is a fintech platform that offers a prepaid MasterCard card to help users keep track of spending, complete transfers, and more. 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. The platform's technology and proprietary integrations allow for live transactionality, the first and only PFM solution in the market, and secure instant transfers, among others. Uala also allows users to track expenses through an analysis tool. Some selected users can also request a loan through the app. Ualá is available in Argentina for Android and iOS.

Golden Technology is a big data service company offering electronic invoice solutions using blockchain technology.

Fapiaoer is a Chinese electronic invoicing service provider under Tencent-backed Chinese project incubator and group-buying platform GaoPeng. Based on a variety of business success stories, with a strong operating, technical, product team, Gao Peng internal restructuring team to provide electronic invoicing services in an effort to create the most convenient and most reasonable electronic invoice preparation, preservation, and reimbursement experience for users. , Tencent and U.S. GROUPON Each group invested 50 million U.S. dollars to develop a group purchasing business company to become: Wechat commercialization project incubation platform, Tencent eco-layout early investment platform, Group purchasing model integration optimization of new e-commerce platform and other three business lines go hand in hand with diversified technology The company, currently Tencent, is the single largest shareholder of Gao Peng.

KhataBook is an innovative Indian company that provides a smartphone-based ledger application tailored for micro, small, and medium businesses. Founded in 2018, the app assists entrepreneurs in managing their business and personal credits by securely tracking transactions and automatically sending payment reminders to customers. It also facilitates online payment collection through UPI and QR codes, helping merchants streamline their financial processes. With its user-friendly interface, KhataBook has gained significant traction, boasting over 20 million registered users and support for more than 11 languages. The company's contributions to enhancing efficiency in the business sector have been recognized, earning it the "Best Innovative Mobile App" award at the India Digital Awards in 2020.

Everledger Limited, founded in 2015 and based in London, is a technology enterprise focused on creating digital ledgers to enhance transparency and trust in asset management. Specializing in the diamond industry, the company digitizes data points for each diamond, enabling a multi-layered ledger that tracks assets throughout their lifecycle across various stakeholders. By employing emerging technologies such as smart contracts, machine vision, and the Internet of Things, Everledger develops solutions that address economic, environmental, and societal challenges. Its blockchain-enabled platform fosters collaboration within a trusted ecosystem, allowing stakeholders to transparently trace and manage assets, thereby enhancing confidence in global supply chains. Everledger is committed to deploying scalable solutions tailored to clients' needs while continuously innovating to address emerging challenges.

Smart Fabric is a technology company based in Shenzhen, Guangdong, China, that specializes in transforming the textile production and trade process through its cloud-based ERP system. Established in November 2014, Smart Fabric focuses on the downstream segment of the clothing industry, connecting customer orders from brands and garment factories with upstream partners such as spinning mills and dyeing factories. Utilizing the Internet of Things, Smart Fabric enables these factories to collaborate effectively, optimizing the fabric production process. The company's intelligent, data-driven manufacturing solutions help textile manufacturers digitize their workflows, improve supply chain management, and enhance overall efficiency. By providing innovative services and products, Smart Fabric addresses the evolving demands of suppliers, manufacturers, and factories in the textile sector.

XiaoBangGuiHua is an intelligent investment advisory service platform. Through intelligent robot algorithm and advanced asset allocation model, it provides investors with scientific and systematic financial management solutions, including small help investment app, Bin Xu said investment series, love said finance and economics

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.

Linkfin Technology is a management group-controlled startup company, was established in June 2017 with the investor Bertelsmann Asia Investment Fund. It has two foreign cooperative companies, including Zhonglian Huijie Information Technology Co., Ltd. with a registered capital of RMB 50 million; and China Enterprise Huitong International Financial Leasing (Tianjin) Co., Ltd. with a registered capital of USD 50 million.

N26 offers mobile banking solutions to customers in the European Union through its subsidiary. It provides international money transfer, investment, overdraft, and cash withdrawal and deposit at stores. N26 provides mobile banking services for customers. Its mobile banking services offer online banking that include making and handling of current accounts, fixed accounts, and other banking services, letting customers manage and control their banking details via a smartphone application easily. Maximilian Tayenthal and Valentin Stalf founded Papayer in February 2013, which later became N26, with its headquarters in Berlin in Germany.

Niyo Global is a financial technology company founded in 2015 and based in Palo Alto, California. The company specializes in digital banking solutions, focusing on helping salaried employees access various company benefits and financial services. Niyo partners with employers and banks to provide a digital platform that allows employees to utilize their benefits, such as healthcare and food allowances, through a mobile app designed for submitting claims. Additionally, Niyo offers a comprehensive payroll management platform that includes features for managing taxes and expenses, along with expense management cards and digital accounts that support multiple wallets. This enables users to effectively manage their personal finances and investment options.

TrueLayer Limited is a London-based company that offers a platform for building financial applications. Established in 2016, it provides a toolkit designed to connect to bank data, verify accounts, and access transactions in real-time. TrueLayer's software-as-a-service (SaaS) platform enables the development of various consumer and small-to-medium business applications in sectors such as payments, online lending, personal financial management, robot-advisors, insurance, investment services, peer-to-peer marketplaces, and cryptocurrencies. The company's solutions are utilized by fintech startups, online lenders, and personal finance managers, contributing to the growth of the open banking economy by facilitating the creation of innovative financial services and products.

Airwallex is a technology company based in Hong Kong that specializes in providing a global payments and financial platform. Its services facilitate international transactions for businesses of all sizes, allowing them to make and receive payments efficiently and cost-effectively. By integrating advanced technology with a comprehensive ecosystem of application programming interfaces, Airwallex streamlines financial processes, enabling clients to issue and pay invoices in their preferred currency at competitive exchange rates. The platform addresses the complexities of the traditional financial system, helping businesses save time and reduce costs while expanding their operations both domestically and internationally. With a focus on empowering companies to thrive in a borderless digital economy, Airwallex plays a significant role in enhancing global commerce.

N26 offers mobile banking solutions to customers in the European Union through its subsidiary. It provides international money transfer, investment, overdraft, and cash withdrawal and deposit at stores. N26 provides mobile banking services for customers. Its mobile banking services offer online banking that include making and handling of current accounts, fixed accounts, and other banking services, letting customers manage and control their banking details via a smartphone application easily. Maximilian Tayenthal and Valentin Stalf founded Papayer in February 2013, which later became N26, with its headquarters in Berlin in Germany.

QTrade is a financial technology company that caters to the interbank market by developing innovative instant messaging tools for the finance industry. The company's platform offers a range of solutions tailored for financial practitioners, including transaction communication, AI-driven information processing, and compliance management for institutional risk control. Through these services, QTrade aims to enhance communication and operational efficiency within the financial sector.

Bianlifeng is a cashier-free convenience store operator.The team is composed of the convenience store industry veteran team and well-known Internet team.

Linklogis is a Chinese supply chain financing service provider that specializes in technology solutions to enhance financial operations within the supply chain. The company employs big data, artificial intelligence, and blockchain technologies to develop a platform that connects asset providers with funding sources, facilitating convenient access to financing for small-sized businesses. Linklogis operates primarily through two segments: Supply Chain Finance Technology Solutions, which includes offerings like Anchor Cloud and FI Cloud, and Emerging Solutions, which encompasses Crossborder Cloud and SME credit technology solutions. The company is dedicated to fostering the development of the financial market and contributing to economic growth by focusing on practical applications within the supply chain ecosystem.

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.

WeShare is a Chinese financial services provider that focuses on enhancing the capabilities of consumer financial institutions. The company facilitates access to customers, risk control, and funding for these institutions. By leveraging technology and data analysis, WeShare enables both onshore and offshore institutional investors to make secure and efficient investments in China's consumer finance sector. The firm is dedicated to developing advanced fintech capabilities and aims to foster collaboration and mutual benefits with industry partners.

Paystack Payments Limited is a technology company that provides payment processing services to businesses across Africa. Founded in 2015 and headquartered in Lagos, Nigeria, with an additional office in San Francisco, California, Paystack offers an online payment gateway that enables merchants to accept various forms of payment, including credit and debit cards, money transfers, and mobile money. The platform facilitates online transactions for a diverse range of clients, including entrepreneurs, corporates, fintech companies, schools, and betting businesses, allowing them to receive funds from customers worldwide. By streamlining payment acceptance, Paystack aims to enhance the financial ecosystem for businesses in the region.

Huifenqi is a platform that specializes in installment payments and plans for house rentals. It offers a comprehensive SaaS management solution tailored for the rental industry, focusing on long-term apartment rental operations. The platform aims to enhance efficiency and reduce costs by streamlining various aspects of rental management, including supply chain logistics, legal affairs, human resources, and financial operations. This approach allows clients to manage their rental properties more effectively while facilitating easier payment options for tenants.

Airwallex is a technology company based in Hong Kong that specializes in providing a global payments and financial platform. Its services facilitate international transactions for businesses of all sizes, allowing them to make and receive payments efficiently and cost-effectively. By integrating advanced technology with a comprehensive ecosystem of application programming interfaces, Airwallex streamlines financial processes, enabling clients to issue and pay invoices in their preferred currency at competitive exchange rates. The platform addresses the complexities of the traditional financial system, helping businesses save time and reduce costs while expanding their operations both domestically and internationally. With a focus on empowering companies to thrive in a borderless digital economy, Airwallex plays a significant role in enhancing global commerce.

N26 offers mobile banking solutions to customers in the European Union through its subsidiary. It provides international money transfer, investment, overdraft, and cash withdrawal and deposit at stores. N26 provides mobile banking services for customers. Its mobile banking services offer online banking that include making and handling of current accounts, fixed accounts, and other banking services, letting customers manage and control their banking details via a smartphone application easily. Maximilian Tayenthal and Valentin Stalf founded Papayer in February 2013, which later became N26, with its headquarters in Berlin in Germany.

Microtelex is the first full-scene retail SaaS platform in China. It focuses on retail big data, provides access to upstream and downstream supply chain data, and provides one-stop aggregation of omni-channel marketing, lifecycle CRM, mobile/social e-commerce, and intelligent data analysis services. Through face recognition, data insight, and accurate membership images, retailers can better understand customers and products, meet consumer needs, and tap potential for consumption.

iPayLinks Financial Information Service (Shanghai) Co., Ltd., headquartered in Shanghai, China, is a prominent provider of cross-border settlement services. The company has established branches in multiple locations, including Shenzhen, Hong Kong, Singapore, Malaysia, the UK, the US, the UAE, and India, serving over 50,000 institutions and enterprises. iPayLinks offers a comprehensive "three-in-one" cross-border settlement solution tailored for e-commerce and travel sectors, facilitating payments through various international credit cards and localized payment methods across more than 200 regions. Their platform also enables collection services from major online marketplaces such as Amazon and eBay, alongside a one-stop collection and distribution system. Additionally, iPayLinks provides supply chain finance products to enhance working capital efficiency. The company holds several international licenses and has achieved PCI-DSS Level-1 certification, underscoring its commitment to security in payment services. iPayLinks has garnered recognition, including awards from KPMG and Deloitte, and has received funding from notable investors like Tencent and Legend Capital.

Airwallex is a technology company based in Hong Kong that specializes in providing a global payments and financial platform. Its services facilitate international transactions for businesses of all sizes, allowing them to make and receive payments efficiently and cost-effectively. By integrating advanced technology with a comprehensive ecosystem of application programming interfaces, Airwallex streamlines financial processes, enabling clients to issue and pay invoices in their preferred currency at competitive exchange rates. The platform addresses the complexities of the traditional financial system, helping businesses save time and reduce costs while expanding their operations both domestically and internationally. With a focus on empowering companies to thrive in a borderless digital economy, Airwallex plays a significant role in enhancing global commerce.

Linklogis is a Chinese supply chain financing service provider that specializes in technology solutions to enhance financial operations within the supply chain. The company employs big data, artificial intelligence, and blockchain technologies to develop a platform that connects asset providers with funding sources, facilitating convenient access to financing for small-sized businesses. Linklogis operates primarily through two segments: Supply Chain Finance Technology Solutions, which includes offerings like Anchor Cloud and FI Cloud, and Emerging Solutions, which encompasses Crossborder Cloud and SME credit technology solutions. The company is dedicated to fostering the development of the financial market and contributing to economic growth by focusing on practical applications within the supply chain ecosystem.

Futu Holdings offers an online brokerage platform that enables individual investors to trade in listed stocks. The company provides users with trade execution, margin financing, market data and information, and social networking services through our proprietary digital platform Futubull for three major markets including Hong Kong, US, and Chinese A-Share-listed stocks. They have embedded social media tools to create a network centered around their users and provide connectivity to users, investors, companies, analysts, media and key opinion leaders. They also provide enterprise business services such as ESOP management and IPO subscription services for corporate customers, which is highly complementary to their retail brokerage business.

Nav is a free site and app that gives business owners the fastest, easiest and most trusted path to financing. The leading Business Financial Management app, Nav gives free access to personal and business credit reports from major consumer and commercial credit bureaus including Experian, Dun & Bradstreet, Equifax and TransUnion, and hosts a robust marketplace with more than 100 business financing products including loans and credit cards. The marketplace uses a unique, lender-neutral approach to help business owners find the best financing options for their needs. Nav's solution is also leveraged by other business service providers to enhance their customer experience.

Airwallex is a technology company based in Hong Kong that specializes in providing a global payments and financial platform. Its services facilitate international transactions for businesses of all sizes, allowing them to make and receive payments efficiently and cost-effectively. By integrating advanced technology with a comprehensive ecosystem of application programming interfaces, Airwallex streamlines financial processes, enabling clients to issue and pay invoices in their preferred currency at competitive exchange rates. The platform addresses the complexities of the traditional financial system, helping businesses save time and reduce costs while expanding their operations both domestically and internationally. With a focus on empowering companies to thrive in a borderless digital economy, Airwallex plays a significant role in enhancing global commerce.

Paystack Payments Limited is a technology company that provides payment processing services to businesses across Africa. Founded in 2015 and headquartered in Lagos, Nigeria, with an additional office in San Francisco, California, Paystack offers an online payment gateway that enables merchants to accept various forms of payment, including credit and debit cards, money transfers, and mobile money. The platform facilitates online transactions for a diverse range of clients, including entrepreneurs, corporates, fintech companies, schools, and betting businesses, allowing them to receive funds from customers worldwide. By streamlining payment acceptance, Paystack aims to enhance the financial ecosystem for businesses in the region.

Ost powers the Ethereum Application Layer. Ost technology features the industry’s first seamlessly embeddable Ethereum smart contract wallet — developers don’t need to learn blockchain, users don’t even need to know it’s crypto. -Turn any user action into a token transfer — e.g. any upvote, like, comment, review, message, consumption, engagement, wager -Micro-transactions made possible — process tx at fraction of a cent vs. $0.30 + 2.8% Stripe fees -Enabling the future promises of Libra, already today — simple, easy, peer-to-peer payments, way out ahead of the market -Regulatory compliant, FinCEN compliant, Apple app-store compliant -Pepo by Ost is the first crypto-powered app approved by Apple, with in-app purchase and cash-out options -Numerous 3rd party use cases

Linklogis is a Chinese supply chain financing service provider that specializes in technology solutions to enhance financial operations within the supply chain. The company employs big data, artificial intelligence, and blockchain technologies to develop a platform that connects asset providers with funding sources, facilitating convenient access to financing for small-sized businesses. Linklogis operates primarily through two segments: Supply Chain Finance Technology Solutions, which includes offerings like Anchor Cloud and FI Cloud, and Emerging Solutions, which encompasses Crossborder Cloud and SME credit technology solutions. The company is dedicated to fostering the development of the financial market and contributing to economic growth by focusing on practical applications within the supply chain ecosystem.

Happy Money, Inc. is a financial services company that focuses on helping individuals pay off credit card debt and build savings. The company offers a range of products, including Payoff, which provides loans specifically for credit card repayment, and Joy, a mobile application that utilizes robotic Money Coaches to assist users in spending wisely and enhancing their savings. Additionally, Happy Money Score leverages psychological insights to guide users in making informed financial decisions. Established in 2009 in Costa Mesa, California, Happy Money was originally known as Payoff, Inc. before rebranding in March 2020. The company emphasizes a mission-driven approach to finance, aiming to transform the traditional banking model by promoting financial wellness and encouraging users to shift from borrowing to saving.

WeBank Co., Ltd. is a digital bank based in Shenzhen, China, founded in 2014. It specializes in providing a range of financial services tailored for individuals and small to micro enterprises. Its offerings include deposit accounts, various types of loans (short-term, medium-term, and long-term), and services related to domestic and international settlements. Additionally, WeBank engages in activities such as bill acceptance and discounting, inter-bank lending, foreign exchange trading, and insurance and fund sales. The bank also provides auto loans, bank cards, letters of credit, and safe deposit box services. Notably, WeBank incorporates advanced technology like facial recognition for security purposes and operates primarily through online platforms, making financial products more accessible.

Cover Financial, Inc. is a mobile-first insurance brokerage founded in 2015 and based in San Francisco, California. The company provides a mobile application that allows users to insure a wide variety of items, including vehicles, mobile phones, pets, jewelry, and properties, by simply taking a picture of the item to be insured. Cover partners with various insurance companies and brokers to offer competitive rates and comprehensive coverage options, including commercial property, workers compensation, general liability, and cyber insurance. Initially launched in Toronto, the application supports users in accessing tailored insurance solutions conveniently through their smartphones.

Nav is a free site and app that gives business owners the fastest, easiest and most trusted path to financing. The leading Business Financial Management app, Nav gives free access to personal and business credit reports from major consumer and commercial credit bureaus including Experian, Dun & Bradstreet, Equifax and TransUnion, and hosts a robust marketplace with more than 100 business financing products including loans and credit cards. The marketplace uses a unique, lender-neutral approach to help business owners find the best financing options for their needs. Nav's solution is also leveraged by other business service providers to enhance their customer experience.

Provider of financial information and services intended to make financial decision making easier. The company focuses on providing three core services including software, investor education and investment consulting enabling customers make informed investment decisions.

Futu Holdings offers an online brokerage platform that enables individual investors to trade in listed stocks. The company provides users with trade execution, margin financing, market data and information, and social networking services through our proprietary digital platform Futubull for three major markets including Hong Kong, US, and Chinese A-Share-listed stocks. They have embedded social media tools to create a network centered around their users and provide connectivity to users, investors, companies, analysts, media and key opinion leaders. They also provide enterprise business services such as ESOP management and IPO subscription services for corporate customers, which is highly complementary to their retail brokerage business.

Futu Holdings offers an online brokerage platform that enables individual investors to trade in listed stocks. The company provides users with trade execution, margin financing, market data and information, and social networking services through our proprietary digital platform Futubull for three major markets including Hong Kong, US, and Chinese A-Share-listed stocks. They have embedded social media tools to create a network centered around their users and provide connectivity to users, investors, companies, analysts, media and key opinion leaders. They also provide enterprise business services such as ESOP management and IPO subscription services for corporate customers, which is highly complementary to their retail brokerage business.

Linktech Navi is an Information Technology company.

Nav is a free site and app that gives business owners the fastest, easiest and most trusted path to financing. The leading Business Financial Management app, Nav gives free access to personal and business credit reports from major consumer and commercial credit bureaus including Experian, Dun & Bradstreet, Equifax and TransUnion, and hosts a robust marketplace with more than 100 business financing products including loans and credit cards. The marketplace uses a unique, lender-neutral approach to help business owners find the best financing options for their needs. Nav's solution is also leveraged by other business service providers to enhance their customer experience.

Fab, Inc. is an online retailer specializing in everyday design products, serving customers in the United States, Canada, and Australia. Founded in February 2009 and headquartered in New York City, the company offers a diverse range of items, including furniture, kitchen and dining accessories, bed and bath products, art, jewelry, and personal accessories. As of March 2015, Fab operates as a subsidiary of PCH International Ltd.

Origami Labs operates a mobile platform focused on cashless payments, aiming to innovate the future of money, payment, and commerce. Established in 2012, Origami Pay has expanded its services nationwide, enabling transactions at convenience stores, international fast food chains, taxis, department stores, and various retail outlets. Additionally, Origami offers families a private and customizable website that facilitates the sharing of daily updates and cherished memories through photos, videos, and quotes. This dual approach positions Origami Labs at the intersection of financial technology and personal connection, catering to both commercial and familial needs.

DST Global, founded by Yuri Milner in 2009, is a prominent venture capital firm based in Grand Cayman, Cayman Islands, with additional offices in Menlo Park, New York, London, Beijing, and Hong Kong. The firm specializes in making minority investments in high-growth internet companies across various sectors, including information technology, mobile, e-commerce, and the Internet of Things. DST Global has built a notable portfolio featuring leading companies such as Facebook, Twitter, WhatsApp, and Airbnb. The firm is recognized for its innovative approach to providing liquidity to founders, employees, and early investors through a combination of primary and secondary transactions, often referred to as DST type deals in the technology investment community.