Ulu Ventures

Cenoa is a financial technology company that offers a borderless superwallet application aimed at enhancing access to dollar-based products in emerging markets. The platform allows users to buy dollars at real exchange rates and convert their assets into digital assets seamlessly. Cenoa's service is designed to be secure and user-friendly, with no associated fees, enabling customers to earn fair yields on their investments. Users can withdraw their funds at any time, providing flexibility and convenience in managing their financial assets.

Bridge Money, Inc. is a financial technology company based in Chicago, Illinois, founded in 2018. It specializes in developing a mobile banking platform designed to enhance users' financial experience. The platform offers a range of services, including account activation, mobile check deposits, and free access to Automated Teller Machines (ATMs), along with zero overdraft fees. Additionally, Bridge Money provides a secure debit card without associated fees, aiming to simplify banking for its users and facilitate daily financial transactions.

CoreChain Technologies specializes in B2B payments using blockchain technology. Its platform securely automates the exchange of transaction data and funds, reducing reconciliation errors and unlocking tied-up working capital.

Prixz is a digital health provider offering a broad catalog of health products and services and an on-demand medicine delivery platform in Mexico. It connects with more than 2,000 pharmacies online to support the delivery of over 1 million orders annually. The platform enables users to order prescription, health, and wellness products via mobile and handles payment processing and medicine delivery within an hour.

Ugami is a developer of a financial mobile application that offers financial rewards services specifically tailored for gamers. The platform allows users to earn points through virtual card purchases made with debit and credit cards, which can be redeemed in its store for a variety of gaming-related items, such as merchandise, digital goods, hardware, and software. Additionally, users can gain preferred access to exclusive game sessions and esports events. Ugami aims to enhance the gaming experience by enabling players to earn rewards while also providing tools for personal finance education and safe fund management.

Sika Health is a New York-based company founded in 2021 that specializes in payment solutions for the healthcare sector. It develops technology that integrates health wallets, allowing users to manage expenses related to medical bills, dental care, medications, and other health-related costs. By partnering with health and wellness brands, Sika Health's platform facilitates customer engagement at the point of sale, enabling consumers to utilize their health benefits accounts effectively. This innovative approach not only minimizes the risk of cart abandonment but also supports users in making financially sound decisions that align with their long-term health objectives.

CoreChain Technologies specializes in B2B payments using blockchain technology. Its platform securely automates the exchange of transaction data and funds, reducing reconciliation errors and unlocking tied-up working capital.

Nowsta, Inc. is a technology company that offers an all-in-one software solution designed to optimize the management of hourly and event-based workforces. Founded in 2014 and headquartered in Brooklyn, New York, the platform provides essential tools for scheduling, time tracking, and financial management, enabling employers to effectively oversee their hourly staff. By integrating advancements in machine learning and payment technologies, Nowsta aims to enhance communication and streamline payment processes for hourly wage employees. The company's innovative approach seeks to transform workforce management, making it easier for businesses to operate efficiently and support their employees.

Founded in 2018, TomoCredit is a fintech company based in San Francisco. It offers an AI-powered platform designed for millennials and small business owners to build credit history and qualify for loans using alternative data sources. The company provides a smart credit card and a mobile application for account management.

Oyster Financial, established in 2018 and headquartered in San Francisco with offices in Mexico City and Kathmandu, specializes in providing financial management solutions for freelancers, startups, and small to medium-sized enterprises. The company's online application streamlines financial tasks, offering features such as a Mastercard debit card, fee-free fund transfers, bill payment services, invoice management, and real-time transaction updates. By simplifying financial management, Oyster empowers businesses to make informed decisions and focus on growth.

Bridge Money, Inc. is a financial technology company based in Chicago, Illinois, founded in 2018. It specializes in developing a mobile banking platform designed to enhance users' financial experience. The platform offers a range of services, including account activation, mobile check deposits, and free access to Automated Teller Machines (ATMs), along with zero overdraft fees. Additionally, Bridge Money provides a secure debit card without associated fees, aiming to simplify banking for its users and facilitate daily financial transactions.

Founded in 2018, TomoCredit is a fintech company based in San Francisco. It offers an AI-powered platform designed for millennials and small business owners to build credit history and qualify for loans using alternative data sources. The company provides a smart credit card and a mobile application for account management.

Nowsta, Inc. is a technology company that offers an all-in-one software solution designed to optimize the management of hourly and event-based workforces. Founded in 2014 and headquartered in Brooklyn, New York, the platform provides essential tools for scheduling, time tracking, and financial management, enabling employers to effectively oversee their hourly staff. By integrating advancements in machine learning and payment technologies, Nowsta aims to enhance communication and streamline payment processes for hourly wage employees. The company's innovative approach seeks to transform workforce management, making it easier for businesses to operate efficiently and support their employees.

SnapCheck is a San Francisco-based company that has developed a mobile application offering digital check deposit services primarily for credit unions and banks. The company's platform provides a high-speed, secure, and universally accepted solution aimed at eliminating the use of paper checks, which number around 18 billion annually in the United States. By replacing traditional checks with a digital alternative, SnapCheck enables businesses, consumers, and financial institutions to significantly cut costs and reduce fraud losses. This innovative approach not only streamlines check payments but also has the potential to save the economy over $50 billion each year while also contributing to environmental sustainability by reducing paper usage.

EarnUp Inc. is a fintech company based in San Francisco, California, that focuses on automating loan payments for consumers. Established in 2013, EarnUp's platform is designed to assist over 200 million Americans with debt by intelligently managing their financial obligations, including home mortgages, student loans, auto loans, and personal loans. The service allows users to set aside small amounts of money when financially feasible, which are then used to make loan payments on their behalf. By synchronizing micro-payments with users' income and lifestyle, EarnUp aims to streamline the debt repayment process and help individuals regain control over their finances, ultimately enabling them to pay off their debts more efficiently.

Zebit, Inc. is an e-commerce company based in San Diego, California, founded in 2001. It focuses on providing credit-challenged consumers in the United States with access to a wide range of products through its website, Zebit.com. The company differentiates itself by offering a proprietary financing solution that allows customers to purchase items and pay for them in installments over six months. By leveraging consumer income data and advanced risk analytics, Zebit enables users to shop for name-brand products in a closed marketplace, thereby merging the advantages of online shopping with flexible payment options. Its revenue is generated from a diverse array of products, including electronics and e-certificates, aimed at improving financial accessibility for working Americans.