Valar Ventures

SILQ is a platform dedicated to bridging economies and empowering businesses to trade, grow, and navigate new frontiers. By enabling seamless commerce, logistics, and finance, SILQ unlocks opportunities in emerging economies, fueling ambitions and redefining global trade. The name SILQ is a modern tribute to the legendary Silk Road—reimagined for the digital age. The distinctive “Q” comes from Souq, the Arabic word for marketplace, symbolizing our commitment to fast, accessible, authentic, and reliable commerce. SILQ aspires to transform local products and manufacturers into global brands by connecting them with entrepreneurs in emerging markets across the Gulf, South Asia, and beyond.

Ivy is a global API provider that enables instant bank payments, allowing businesses to accept direct bank transactions and reduce reliance on cards and digital wallets for online purchases. The platform converts bank accounts into instant payment wallets, enabling customers to pay directly from their bank and streamlining the online payment experience.

Gaia combines reproductive health data with financial technology to make IVF treatments more accessible, affordable, and personalized.

Neo Financial is a fintech company delivering spending, savings, and rewards services through a secure money-management platform. It issues a Mastercard-based credit card through ATB Financial and offers a savings account via Concentra Bank with CDIC protection. The platform combines card and rewards capabilities with deposit services and inter-account payments, and it emphasizes no monthly fees or minimum balances to help users save and spend seamlessly.

Parker specializes in financial services for e-commerce businesses. It provides corporate credit cards tailored to middle-market companies, offering net terms on transactions and higher credit limits than conventional business cards. Additionally, Parker offers tools to monitor key metrics, helping businesses manage finances effectively.

LiveFlow is a flexible and powerful FP&A platform that syncs your QuickBooks Online and Xero reports in a Google Sheets, Microsoft Excel or LiveFlow dashboards to gain valuable insights in minutes. Trusted by finance professionals worldwide, LiveFlow provides serious value and time savings to some of the world's sharpest financial minds.

One Trading is an institutional-grade spot exchange for digital assets, recognized for its robust platform designed for both retail and institutional investors. The company holds a Virtual Asset Service Provider (VASP) license in Italy and is in the process of applying for a MiFID II license to expand its offerings to include regulated crypto derivatives. Leveraging a partnership with Amazon Web Services, One Trading boasts the distinction of being one of the fastest digital asset trading venues available. Its platform provides essential features such as market data, charting tools, and efficient order execution, facilitating effective trading for its users.

Syfe is a wealth management platform offering fully managed portfolios, cash management solutions, and self-directed investments. It provides personalized, globally diversified portfolios tailored to users' risk profiles through proprietary algorithms.

Octane is a financing platform designed to facilitate lifestyle purchases, such as powersports vehicles, RVs, and outdoor power equipment, by enhancing the buying experience for consumers. The company employs advanced technology and innovative risk strategies to create a seamless, end-to-end process that supports customers throughout their purchasing journey. Octane inspires enthusiasts through its editorial brands, prequalifies consumers for financing online using its e-commerce tools, and connects customers with partner dealerships for efficient closing. Additionally, Octane provides comprehensive loan servicing to assist customers during the life of their loans. Operating as a remote-first organization, Octane maintains offices in New York, Irving, Irvine, and Knoxville, and collaborates with over 35 original equipment manufacturers and 4,000 dealer partners across the United States. The company has been recognized for its rapid growth, earning a spot on the 2022 Inc 5000 list of America's Fastest Growing Private Companies and being certified as a great place to work.

Founded in 2021 by Roland Jais-Nielsen, Hero aims to bridge the funding gap for small and medium-sized enterprises (SMEs) across Europe. It offers a range of instantly available financing and payment options to alleviate working capital constraints faced by SMEs.

MAJORITY operates a digital banking platform tailored for migrants, enabling them to access essential financial services. For a monthly fee, members benefit from an FDIC-secured account and a VISA debit card, along with access to over 55,000 ATMs across North America. The platform also facilitates remittance services, international calling, and mobile top-ups. Additionally, MAJORITY provides native language advisors to assist members in their financial transactions and access to a network of community meet-up spaces, local discounts, and events. This comprehensive approach aims to enhance the financial well-being of its diverse clientele who have crossed borders.

Ember Digital Limited is a London-based company that provides software designed to automate accounting and tax processes for contractors and small businesses. The platform leverages Open Banking and Machine Learning to streamline the entire accounting workflow, from bank transaction processing to tax submission. It offers features such as real-time transaction classification, generation of accounting reports, invoicing, payroll management, tax estimation, and filing with HMRC. By integrating these functions into a single platform, Ember aims to eliminate the need for costly accounting software and manual bookkeeping, allowing users to manage their finances more efficiently while reducing overall costs. Incorporated in 2019, Ember positions itself as an innovative solution in the financial technology sector.

Fung Payments specializes in embedded payment solutions for vertical SaaS companies, focusing on sectors such as EV charging, property technology (PropTech), and accounting tech.

Abbey Cross operates a B2B trading platform specializing in deliverable emerging market currencies. It connects payments banks with suppliers of trading and settlement services, enhancing liquidity, price transparency, and market data access.

Prism Data develops an advanced cash flow underwriting platform that transforms raw banking transaction data into valuable insights. This enables businesses to assess credit risk, identify consumers, understand income patterns, and enhance services in areas such as payments, lending, insurance, personal finance management, fraud detection, and real estate.

Albo is a Mexican challenger bank offering a mobile-first banking experience. It provides users with a digital banking account, a Mastercard card for spending, and innovative features such as savings tools, goal management within sub-accounts, and personal loans.

Ivy is a global API provider that enables instant bank payments, allowing businesses to accept direct bank transactions and reduce reliance on cards and digital wallets for online purchases. The platform converts bank accounts into instant payment wallets, enabling customers to pay directly from their bank and streamlining the online payment experience.

One Trading is an institutional-grade spot exchange for digital assets, recognized for its robust platform designed for both retail and institutional investors. The company holds a Virtual Asset Service Provider (VASP) license in Italy and is in the process of applying for a MiFID II license to expand its offerings to include regulated crypto derivatives. Leveraging a partnership with Amazon Web Services, One Trading boasts the distinction of being one of the fastest digital asset trading venues available. Its platform provides essential features such as market data, charting tools, and efficient order execution, facilitating effective trading for its users.

MAJORITY operates a digital banking platform tailored for migrants, enabling them to access essential financial services. For a monthly fee, members benefit from an FDIC-secured account and a VISA debit card, along with access to over 55,000 ATMs across North America. The platform also facilitates remittance services, international calling, and mobile top-ups. Additionally, MAJORITY provides native language advisors to assist members in their financial transactions and access to a network of community meet-up spaces, local discounts, and events. This comprehensive approach aims to enhance the financial well-being of its diverse clientele who have crossed borders.

Atoa enables UK merchants to receive instant bank payments at a flat fee, up to 70% cheaper than traditional card machines. Funds are deposited into merchants' accounts immediately, eliminating the usual 1-2 day wait. Atoa's service is contract-free and incurs no hardware fees or chargeback fraud risk, as all payments are approved via bank apps with Strong Customer Authentication.

Vergo streamlines construction businesses by automating manual accounting processes. Its platform focuses on expense management, team card creation, cash flow management, and integration with existing accounting systems.

Petal Card, Inc. is a credit card company focused on providing financial access to individuals without traditional credit histories, such as students and immigrants. Founded in 2015 and based in New York, the company utilizes machine learning to analyze users' digital financial records, allowing for cash flow underwriting as an alternative to conventional credit scoring. This innovative approach enables Petal to offer higher credit limits and lower rates compared to competing credit cards. The company's flagship product, the Petal Visa, is designed to promote responsible spending and credit-building, accompanied by a user-friendly digital application for managing payments. Petal aims to make credit more honest, simple, and accessible, fostering a financial environment that encourages users to succeed.

Parker specializes in financial services for e-commerce businesses. It provides corporate credit cards tailored to middle-market companies, offering net terms on transactions and higher credit limits than conventional business cards. Additionally, Parker offers tools to monitor key metrics, helping businesses manage finances effectively.

Link provides merchants with an alternate, low-cost payment solution and enables shoppers to pay with bank accounts. Through the power of Open Banking, Link allow customers to complete subscription and repeat transactions with unprecedented ease.

Mondu develops payment software that allows businesses to offer flexible buy‑now‑pay‑later options. Its platform supports net terms, split payments, and multiple checkout channels, including online, multichannel, and embedded solutions. By providing APIs, plug‑ins, and checkout widgets, Mondu helps merchants and marketplaces improve working capital, increase conversion rates, and boost sales without adding financial or operational complexity.

TreeCard Limited is a London-based company that specializes in providing eco-friendly payment solutions. Founded in 2020, TreeCard offers a unique wooden debit card designed to promote sustainability and environmental awareness among its users. The card is primarily made from FSC-certified British cherry wood, with minimal plastic used for the contactless chip, sourced from recycled plastic bottles. This innovative product allows consumers to make digital payments while contributing to reforestation efforts, as the interchange fees generated from transactions are allocated towards funding tree planting initiatives. Additionally, TreeCard integrates features such as expenditure tracking and compatibility with mobile payment platforms like Apple Pay, Google Pay, and Samsung Pay, enhancing user convenience while fostering responsible financial practices.

Baraka is an investment application based in the UAE that aims to democratize access to stock markets for all individuals. The platform provides users with educational resources, market news, and comprehensive stock analysis to enhance their investment knowledge and confidence. Baraka enables commission-free investing in a wide range of stocks and exchange-traded funds, allowing users to explore diverse investment opportunities. By focusing on accessibility and empowerment, Baraka seeks to cultivate a new generation of informed investors.

Regate is a comprehensive SaaS platform that streamlines the management and recording of invoices and expense reports. The company focuses on automating accounting operations and facilitating payments, which enhances visibility for users regarding their financial activities. Its platform enables users to scan, book, approve, and pay invoices via bank transfer, while also offering the capability to create and send custom reminders based on predefined scenarios. By reducing the time accountants and financial managers spend on manual tasks, Regate allows them to concentrate on their core expertise, ultimately improving efficiency within financial operations.

Yellow Card operates a cryptocurrency platform that enables individuals and businesses to buy, sell, and manage digital assets using local currencies and mobile money across Africa. The platform functions as a crypto exchange and payments solution, offering over-the-counter trading, merchant services, currency exchange, and crypto gift cards. It provides an on/off ramp for stablecoins such as USDT, USDC, and PYUSD through a payments API, supporting secure, cost-effective transfers and borderless transactions. The company serves customers in numerous African countries and has facilitated billions of dollars in transactions, reflecting its role in promoting financial inclusion and access to digital finance. Founded in 2016 and active in the market, Yellow Card aims to simplify crypto access for individuals and businesses through a scalable, local-currency-first approach.

Portofino Technologies is a developer of financial infrastructure technology aimed at facilitating the adoption of digital assets. The company utilizes its proprietary market-making technology to engage in trading across centralized, decentralized, and over-the-counter digital asset markets. In addition to trading services, Portofino offers non-fungible token services and investments to Web3 companies, creating a comprehensive platform that supports various financial transactions in both centralized and decentralized environments. This integrated approach positions Portofino as a key player in the evolving landscape of digital finance.

MAJORITY operates a digital banking platform tailored for migrants, enabling them to access essential financial services. For a monthly fee, members benefit from an FDIC-secured account and a VISA debit card, along with access to over 55,000 ATMs across North America. The platform also facilitates remittance services, international calling, and mobile top-ups. Additionally, MAJORITY provides native language advisors to assist members in their financial transactions and access to a network of community meet-up spaces, local discounts, and events. This comprehensive approach aims to enhance the financial well-being of its diverse clientele who have crossed borders.

Shares is a social investment platform based in Paris, France, that aims to democratize access to the stock market and enhance the investment experience for retail investors. Founded in 2021, the company has developed a consumer mobile application that prioritizes user experience and community engagement. Its platform allows users to invest in various stocks without minimums or fees, fostering a collaborative environment where new investors can learn from friends and experts. By facilitating discussions on investments, Shares makes the process of investing more accessible and less daunting for individuals looking to enter the financial markets.

Mondu develops payment software that allows businesses to offer flexible buy‑now‑pay‑later options. Its platform supports net terms, split payments, and multiple checkout channels, including online, multichannel, and embedded solutions. By providing APIs, plug‑ins, and checkout widgets, Mondu helps merchants and marketplaces improve working capital, increase conversion rates, and boost sales without adding financial or operational complexity.

Neo Financial is a fintech company delivering spending, savings, and rewards services through a secure money-management platform. It issues a Mastercard-based credit card through ATB Financial and offers a savings account via Concentra Bank with CDIC protection. The platform combines card and rewards capabilities with deposit services and inter-account payments, and it emphasizes no monthly fees or minimum balances to help users save and spend seamlessly.

Taxfix GmbH is a Berlin-based company founded in 2016 that specializes in digital tax assistance through its mobile application. The Taxfix platform simplifies tax declarations and returns, enabling users to claim unclaimed tax refunds efficiently. It features a smart, dynamic questionnaire and utilizes machine learning technology to automate user communication, ensuring compliance with various fiscal regulations across countries. Taxfix has established itself as a leading financial platform in Europe, with over 6 million tax returns submitted. The company offers a range of services, including a straightforward self-filing application and a guided service where independent tax advisors manage the entire tax return process for users. Through its innovative solutions, Taxfix aims to empower individuals to confidently navigate their finances.

Hopscotch Inc. operates a mobile experiences platform tailored for sports teams, venues, and event organizers, aiming to enhance customer loyalty and create new revenue opportunities. The company offers a suite of plug-and-play mobile services supported by a content management system, which provides clients with valuable insights and scalable business solutions. Additionally, Hopscotch functions as a business payments network, allowing small businesses to manage invoicing and bill payments efficiently without incurring fees. Its primary revenue source is derived from Hopscotch Flow, an innovative approach to invoice factoring that leverages transaction data. Based in El Segundo, California, Hopscotch focuses on delivering streamlined financial management and mobile engagement solutions to its clients.

Shares is a social investment platform based in Paris, France, that aims to democratize access to the stock market and enhance the investment experience for retail investors. Founded in 2021, the company has developed a consumer mobile application that prioritizes user experience and community engagement. Its platform allows users to invest in various stocks without minimums or fees, fostering a collaborative environment where new investors can learn from friends and experts. By facilitating discussions on investments, Shares makes the process of investing more accessible and less daunting for individuals looking to enter the financial markets.

Moss is a technology-driven payment and credit card platform designed to help businesses optimize their financial management. The company offers corporate credit cards with dynamic limits that can be significantly higher than traditional options, accommodating even the highest spending needs. Moss provides both virtual and physical credit cards, allowing teams to spend easily and securely while maintaining control over costs through individual spending limits and real-time data tracking by card, merchant, or team. The Moss app enhances financial oversight by enabling users to digitize receipts, including cost center and VAT assignments. At the end of each month, all financial data and documents can be seamlessly exported to various accounting software, streamlining the reconciliation process for businesses.

Qonto is an online bank headquartered in Paris that serves small and medium-sized businesses and freelancers. It provides business bank accounts and digital banking services designed to simplify payments, accounting, and cash flow management for a range of company types. The platform offers features such as international transfers, invoicing, expense management, virtual cards, multi-account capabilities, and integrations with other business tools. With transparent pricing and a focus on efficiency, Qonto supports startups, founders, freelancers, and growing teams in managing finances.

Novo Platform Inc. is a digital banking platform designed for small business owners, entrepreneurs, and freelancers. Founded in 2018 by Tyler McIntyre and Michael Rangel, the company is headquartered in Miami, Florida. Novo offers enhanced business deposit accounts and integrates banking activities with applications that provide users with analytical insights and fraud notifications related to their banking data. The platform is supported by a network of FDIC-insured community banks, aiming to streamline financial management for its clients. Originally known as Novo Financial Corp., the company was incorporated in 2016 and has since focused on creating tailored banking solutions for modern businesses.

Petal Card, Inc. is a credit card company focused on providing financial access to individuals without traditional credit histories, such as students and immigrants. Founded in 2015 and based in New York, the company utilizes machine learning to analyze users' digital financial records, allowing for cash flow underwriting as an alternative to conventional credit scoring. This innovative approach enables Petal to offer higher credit limits and lower rates compared to competing credit cards. The company's flagship product, the Petal Visa, is designed to promote responsible spending and credit-building, accompanied by a user-friendly digital application for managing payments. Petal aims to make credit more honest, simple, and accessible, fostering a financial environment that encourages users to succeed.

MAJORITY operates a digital banking platform tailored for migrants, enabling them to access essential financial services. For a monthly fee, members benefit from an FDIC-secured account and a VISA debit card, along with access to over 55,000 ATMs across North America. The platform also facilitates remittance services, international calling, and mobile top-ups. Additionally, MAJORITY provides native language advisors to assist members in their financial transactions and access to a network of community meet-up spaces, local discounts, and events. This comprehensive approach aims to enhance the financial well-being of its diverse clientele who have crossed borders.

Nearside is a financial services company that specializes in providing credit financing to small and medium-sized businesses (SMBs). The company focuses on offering lines of credit to business owners who may encounter challenges in obtaining financing from traditional sources. Nearside aims to empower these entrepreneurs by providing not only access to credit but also the necessary tools and support to help them succeed in their ventures. Through its services, Nearside seeks to facilitate growth and financial stability for SMBs, ensuring they have the resources needed to thrive in a competitive market.

Simpl Technologies Private Limited, established in 2015 and headquartered in Mumbai, India, operates a leading online payments platform that enhances the e-commerce experience. The company has developed a market-leading Pay-Later platform, allowing merchants to offer consumers a seamless 1-click checkout experience and a line of credit at the point of sale. Simpl's innovative approach streamlines the payment process by using algorithms and payment engineering to consolidate transactions, enabling users to avoid repetitive payments. Additionally, the platform provides full buyer protection, ensuring secure monetary transactions between customers and merchants. Through its services, Simpl aims to simplify and automate the online payment experience for all parties involved.

Kafene is a fintech platform that enables flexible purchase options and underwriting for consumers across a broad range of products, including furniture, appliances, electronics, musical instruments, and jewelry. The company combines data inputs with artificial intelligence and machine learning to underwrite and approve payments through a digital payments ecosystem that includes app-based wallets. It provides near-instantaneous decisioning and ongoing servicing for merchants and customers, offering flexible repayment terms and a no-obligation return option if a consumer cannot continue payments, helping avoid traditional debt traps. By integrating payment processing, underwriting, and servicing, Kafene helps merchants extend credit while giving buyers access to purchases with terms aligned to their credit profile.

Founded in 2020 by Abhiroop Medhekar, Atul Khichariya, and Saurav Swaroop, Velocity is India's leading financial solutions provider for digitally native businesses. It offers a range of services including term loans, revenue-based financing, overdrafts, payments, and analytics, enabling clients to access funds without equity dilution or personal guarantees.

Bound is a fintech company that makes FX management easy for every business. The company was founded by Seth Phillips and Daniel Kindler in 2020.

Zuro is currently used by enterprises, banks and government agencies worldwide.They have delivered outstanding results for their clients, contact us for case studies and references.

Yellow Card operates a cryptocurrency platform that enables individuals and businesses to buy, sell, and manage digital assets using local currencies and mobile money across Africa. The platform functions as a crypto exchange and payments solution, offering over-the-counter trading, merchant services, currency exchange, and crypto gift cards. It provides an on/off ramp for stablecoins such as USDT, USDC, and PYUSD through a payments API, supporting secure, cost-effective transfers and borderless transactions. The company serves customers in numerous African countries and has facilitated billions of dollars in transactions, reflecting its role in promoting financial inclusion and access to digital finance. Founded in 2016 and active in the market, Yellow Card aims to simplify crypto access for individuals and businesses through a scalable, local-currency-first approach.

XanPool is a Singapore-based company founded in 2019 that operates an automated peer-to-peer platform for converting cryptocurrency to fiat. Its unique omni-channel solution allows users to execute and settle transactions without the need to take custody of customer funds. By enabling individuals to automate financial transactions through their own bank accounts, e-wallets, and cryptocurrency wallets, XanPool fosters a network of users known as Liquidity Peers. This network facilitates borderless capital routing and settlement, providing instant transaction speeds and significantly reducing costs compared to traditional financial systems. The platform supports trading in major cryptocurrencies, allowing businesses and users to exchange digital assets with ease and efficiency.

Neo Financial is a fintech company delivering spending, savings, and rewards services through a secure money-management platform. It issues a Mastercard-based credit card through ATB Financial and offers a savings account via Concentra Bank with CDIC protection. The platform combines card and rewards capabilities with deposit services and inter-account payments, and it emphasizes no monthly fees or minimum balances to help users save and spend seamlessly.

Point is focused on enhancing the debit card experience by integrating rewards and benefits traditionally associated with credit cards. The company aims to provide users with financial tools that facilitate better money management while offering incentives for everyday spending. By reimagining how debit cards function, Point seeks to deliver a more engaging and rewarding banking experience.

Shares is a social investment platform based in Paris, France, that aims to democratize access to the stock market and enhance the investment experience for retail investors. Founded in 2021, the company has developed a consumer mobile application that prioritizes user experience and community engagement. Its platform allows users to invest in various stocks without minimums or fees, fostering a collaborative environment where new investors can learn from friends and experts. By facilitating discussions on investments, Shares makes the process of investing more accessible and less daunting for individuals looking to enter the financial markets.

Moss is a technology-driven payment and credit card platform designed to help businesses optimize their financial management. The company offers corporate credit cards with dynamic limits that can be significantly higher than traditional options, accommodating even the highest spending needs. Moss provides both virtual and physical credit cards, allowing teams to spend easily and securely while maintaining control over costs through individual spending limits and real-time data tracking by card, merchant, or team. The Moss app enhances financial oversight by enabling users to digitize receipts, including cost center and VAT assignments. At the end of each month, all financial data and documents can be seamlessly exported to various accounting software, streamlining the reconciliation process for businesses.

Octane is a financing platform designed to facilitate lifestyle purchases, such as powersports vehicles, RVs, and outdoor power equipment, by enhancing the buying experience for consumers. The company employs advanced technology and innovative risk strategies to create a seamless, end-to-end process that supports customers throughout their purchasing journey. Octane inspires enthusiasts through its editorial brands, prequalifies consumers for financing online using its e-commerce tools, and connects customers with partner dealerships for efficient closing. Additionally, Octane provides comprehensive loan servicing to assist customers during the life of their loans. Operating as a remote-first organization, Octane maintains offices in New York, Irving, Irvine, and Knoxville, and collaborates with over 35 original equipment manufacturers and 4,000 dealer partners across the United States. The company has been recognized for its rapid growth, earning a spot on the 2022 Inc 5000 list of America's Fastest Growing Private Companies and being certified as a great place to work.

Vauld is a Singapore-based cryptocurrency platform founded in 2018, with an additional office in Bengaluru, India. It provides a comprehensive online platform where users can lend, borrow, and trade various crypto assets, including Bitcoin, Ethereum, and several stablecoins. Vauld's services include token borrowing, liquidity management, interest rate information, and repayment solutions, all aimed at enhancing the user experience in managing digital assets. The platform also offers integration services for enterprises, exchange solutions, and funds tracking, allowing for a seamless and efficient approach to crypto transactions. By treating cryptocurrencies as a distinct asset class, Vauld aims to facilitate user-friendly banking services leveraging blockchain technology.

Syfe is a wealth management platform offering fully managed portfolios, cash management solutions, and self-directed investments. It provides personalized, globally diversified portfolios tailored to users' risk profiles through proprietary algorithms.

MAJORITY operates a digital banking platform tailored for migrants, enabling them to access essential financial services. For a monthly fee, members benefit from an FDIC-secured account and a VISA debit card, along with access to over 55,000 ATMs across North America. The platform also facilitates remittance services, international calling, and mobile top-ups. Additionally, MAJORITY provides native language advisors to assist members in their financial transactions and access to a network of community meet-up spaces, local discounts, and events. This comprehensive approach aims to enhance the financial well-being of its diverse clientele who have crossed borders.

Novo Platform Inc. is a digital banking platform designed for small business owners, entrepreneurs, and freelancers. Founded in 2018 by Tyler McIntyre and Michael Rangel, the company is headquartered in Miami, Florida. Novo offers enhanced business deposit accounts and integrates banking activities with applications that provide users with analytical insights and fraud notifications related to their banking data. The platform is supported by a network of FDIC-insured community banks, aiming to streamline financial management for its clients. Originally known as Novo Financial Corp., the company was incorporated in 2016 and has since focused on creating tailored banking solutions for modern businesses.

BukuWarung is a technology company focused on providing digital infrastructure for Indonesia's 60 million micro, small, and medium enterprises (MSMEs). The company offers a platform that enables users to efficiently manage their businesses through features such as digital bookkeeping, online storefronts, and payment processing. By facilitating the recording of daily financial transactions, including sales and customer accounts, BukuWarung helps small businesses maintain accurate sales records, issue bills via messaging applications, and generate daily business reports. The platform aims to empower MSMEs by enhancing their financial awareness and enabling effective business management through technology.

Kafene is a fintech platform that enables flexible purchase options and underwriting for consumers across a broad range of products, including furniture, appliances, electronics, musical instruments, and jewelry. The company combines data inputs with artificial intelligence and machine learning to underwrite and approve payments through a digital payments ecosystem that includes app-based wallets. It provides near-instantaneous decisioning and ongoing servicing for merchants and customers, offering flexible repayment terms and a no-obligation return option if a consumer cannot continue payments, helping avoid traditional debt traps. By integrating payment processing, underwriting, and servicing, Kafene helps merchants extend credit while giving buyers access to purchases with terms aligned to their credit profile.

Founded in 2020 by Abhiroop Medhekar, Atul Khichariya, and Saurav Swaroop, Velocity is India's leading financial solutions provider for digitally native businesses. It offers a range of services including term loans, revenue-based financing, overdrafts, payments, and analytics, enabling clients to access funds without equity dilution or personal guarantees.

BlockFi, Inc. is a financial services firm that specializes in providing wealth management products for cryptocurrency investors. Founded in 2017 and headquartered in New York, BlockFi offers various services, including interest-bearing accounts for Bitcoin, Ether, and Gemini Dollar, as well as USD loans secured by clients' crypto assets. The company allows clients to trade cryptocurrency pairs and provides tailored lending solutions for both individual and institutional clients. By facilitating liquidity for blockchain asset holders, BlockFi aims to enhance transparency and efficiency in digital financial markets. The organization employs a robust infrastructure that integrates with multiple blockchains, positioning itself to adapt and expand its product offerings in response to the evolving needs of its users.

Jetty Insurance Agency LLC, founded in 2015 and headquartered in New York, is a financial services company that specializes in providing property and casualty insurance products. The company has developed a real estate insurance platform aimed at simplifying the leasing process and enhancing conversion rates for property managers. Jetty's innovative solutions help property managers increase lease conversions, minimize bad debt, and streamline their operations. For renters, Jetty alleviates the financial burden associated with move-in costs, making home renting more affordable and accessible. Through its mission, Jetty seeks to transform the rental experience for both property managers and residents.

Moss is a technology-driven payment and credit card platform designed to help businesses optimize their financial management. The company offers corporate credit cards with dynamic limits that can be significantly higher than traditional options, accommodating even the highest spending needs. Moss provides both virtual and physical credit cards, allowing teams to spend easily and securely while maintaining control over costs through individual spending limits and real-time data tracking by card, merchant, or team. The Moss app enhances financial oversight by enabling users to digitize receipts, including cost center and VAT assignments. At the end of each month, all financial data and documents can be seamlessly exported to various accounting software, streamlining the reconciliation process for businesses.

TaxBit is a cryptocurrency tax and accounting software company that automates tax calculations and reporting for cryptocurrency transactions. Its platform allows users to link their exchanges and wallets to efficiently gather transaction data, which is then processed to generate tax forms automatically. In addition to tax automation, TaxBit offers real-time portfolio tracking and insights for tax optimization, enabling users to make informed, tax-efficient trading decisions throughout the year. The company serves both individual consumers and enterprises, providing a comprehensive solution for managing cryptocurrency tax compliance and accounting needs.

Neo Financial is a fintech company delivering spending, savings, and rewards services through a secure money-management platform. It issues a Mastercard-based credit card through ATB Financial and offers a savings account via Concentra Bank with CDIC protection. The platform combines card and rewards capabilities with deposit services and inter-account payments, and it emphasizes no monthly fees or minimum balances to help users save and spend seamlessly.

Albo is a Mexican challenger bank offering a mobile-first banking experience. It provides users with a digital banking account, a Mastercard card for spending, and innovative features such as savings tools, goal management within sub-accounts, and personal loans.

Syfe is a wealth management platform offering fully managed portfolios, cash management solutions, and self-directed investments. It provides personalized, globally diversified portfolios tailored to users' risk profiles through proprietary algorithms.

BlockFi, Inc. is a financial services firm that specializes in providing wealth management products for cryptocurrency investors. Founded in 2017 and headquartered in New York, BlockFi offers various services, including interest-bearing accounts for Bitcoin, Ether, and Gemini Dollar, as well as USD loans secured by clients' crypto assets. The company allows clients to trade cryptocurrency pairs and provides tailored lending solutions for both individual and institutional clients. By facilitating liquidity for blockchain asset holders, BlockFi aims to enhance transparency and efficiency in digital financial markets. The organization employs a robust infrastructure that integrates with multiple blockchains, positioning itself to adapt and expand its product offerings in response to the evolving needs of its users.

Point is focused on enhancing the debit card experience by integrating rewards and benefits traditionally associated with credit cards. The company aims to provide users with financial tools that facilitate better money management while offering incentives for everyday spending. By reimagining how debit cards function, Point seeks to deliver a more engaging and rewarding banking experience.

Even.com is focused on enhancing financial resilience for employees, addressing the challenges faced by over half of Americans living paycheck to paycheck. The company develops a mobile budgeting application that automatically budgets upcoming bills, allowing users to manage their spending habits effectively. By partnering with employers, Even provides its services as a benefit, which not only supports employees in making ends meet, paying down debt, and saving money but also helps employers improve employee retention. The business operates transparently, ensuring that it profits only when its customers do. Even.com is based in Oakland, California, and Raleigh, North Carolina.

N26 offers mobile banking solutions in the European Union, providing international money transfers, investments, overdraft facilities, and cash withdrawals/deposits at stores. Founded in Berlin, Germany in 2013 by Maximilian Tayenthal and Valentin Stalf.

Taxfix GmbH is a Berlin-based company founded in 2016 that specializes in digital tax assistance through its mobile application. The Taxfix platform simplifies tax declarations and returns, enabling users to claim unclaimed tax refunds efficiently. It features a smart, dynamic questionnaire and utilizes machine learning technology to automate user communication, ensuring compliance with various fiscal regulations across countries. Taxfix has established itself as a leading financial platform in Europe, with over 6 million tax returns submitted. The company offers a range of services, including a straightforward self-filing application and a guided service where independent tax advisors manage the entire tax return process for users. Through its innovative solutions, Taxfix aims to empower individuals to confidently navigate their finances.

Petal Card, Inc. is a credit card company focused on providing financial access to individuals without traditional credit histories, such as students and immigrants. Founded in 2015 and based in New York, the company utilizes machine learning to analyze users' digital financial records, allowing for cash flow underwriting as an alternative to conventional credit scoring. This innovative approach enables Petal to offer higher credit limits and lower rates compared to competing credit cards. The company's flagship product, the Petal Visa, is designed to promote responsible spending and credit-building, accompanied by a user-friendly digital application for managing payments. Petal aims to make credit more honest, simple, and accessible, fostering a financial environment that encourages users to succeed.

BlockFi, Inc. is a financial services firm that specializes in providing wealth management products for cryptocurrency investors. Founded in 2017 and headquartered in New York, BlockFi offers various services, including interest-bearing accounts for Bitcoin, Ether, and Gemini Dollar, as well as USD loans secured by clients' crypto assets. The company allows clients to trade cryptocurrency pairs and provides tailored lending solutions for both individual and institutional clients. By facilitating liquidity for blockchain asset holders, BlockFi aims to enhance transparency and efficiency in digital financial markets. The organization employs a robust infrastructure that integrates with multiple blockchains, positioning itself to adapt and expand its product offerings in response to the evolving needs of its users.

Qonto is an online bank headquartered in Paris that serves small and medium-sized businesses and freelancers. It provides business bank accounts and digital banking services designed to simplify payments, accounting, and cash flow management for a range of company types. The platform offers features such as international transfers, invoicing, expense management, virtual cards, multi-account capabilities, and integrations with other business tools. With transparent pricing and a focus on efficiency, Qonto supports startups, founders, freelancers, and growing teams in managing finances.

TaxBit is a cryptocurrency tax and accounting software company that automates tax calculations and reporting for cryptocurrency transactions. Its platform allows users to link their exchanges and wallets to efficiently gather transaction data, which is then processed to generate tax forms automatically. In addition to tax automation, TaxBit offers real-time portfolio tracking and insights for tax optimization, enabling users to make informed, tax-efficient trading decisions throughout the year. The company serves both individual consumers and enterprises, providing a comprehensive solution for managing cryptocurrency tax compliance and accounting needs.

Albo is a Mexican challenger bank offering a mobile-first banking experience. It provides users with a digital banking account, a Mastercard card for spending, and innovative features such as savings tools, goal management within sub-accounts, and personal loans.

Starship is a financial technology company based in New York City, established in 2016. It focuses on creating a mobile health savings account (HSA) platform that integrates savings, investing, and health-tracking tools. The application allows users to conveniently manage their health savings through automated investing in index funds, streamlined reimbursements, and a user-friendly mobile interface. Additionally, it offers features such as receipt management, card management, and family account oversight, facilitating tax-free healthcare expenses and promoting financial wellness. Starship aims to simplify the process of saving and investing for healthcare needs, making it accessible and efficient for users.

Octane is a financing platform designed to facilitate lifestyle purchases, such as powersports vehicles, RVs, and outdoor power equipment, by enhancing the buying experience for consumers. The company employs advanced technology and innovative risk strategies to create a seamless, end-to-end process that supports customers throughout their purchasing journey. Octane inspires enthusiasts through its editorial brands, prequalifies consumers for financing online using its e-commerce tools, and connects customers with partner dealerships for efficient closing. Additionally, Octane provides comprehensive loan servicing to assist customers during the life of their loans. Operating as a remote-first organization, Octane maintains offices in New York, Irving, Irvine, and Knoxville, and collaborates with over 35 original equipment manufacturers and 4,000 dealer partners across the United States. The company has been recognized for its rapid growth, earning a spot on the 2022 Inc 5000 list of America's Fastest Growing Private Companies and being certified as a great place to work.

BlockFi, Inc. is a financial services firm that specializes in providing wealth management products for cryptocurrency investors. Founded in 2017 and headquartered in New York, BlockFi offers various services, including interest-bearing accounts for Bitcoin, Ether, and Gemini Dollar, as well as USD loans secured by clients' crypto assets. The company allows clients to trade cryptocurrency pairs and provides tailored lending solutions for both individual and institutional clients. By facilitating liquidity for blockchain asset holders, BlockFi aims to enhance transparency and efficiency in digital financial markets. The organization employs a robust infrastructure that integrates with multiple blockchains, positioning itself to adapt and expand its product offerings in response to the evolving needs of its users.

N26 offers mobile banking solutions in the European Union, providing international money transfers, investments, overdraft facilities, and cash withdrawals/deposits at stores. Founded in Berlin, Germany in 2013 by Maximilian Tayenthal and Valentin Stalf.

Kafene is a fintech platform that enables flexible purchase options and underwriting for consumers across a broad range of products, including furniture, appliances, electronics, musical instruments, and jewelry. The company combines data inputs with artificial intelligence and machine learning to underwrite and approve payments through a digital payments ecosystem that includes app-based wallets. It provides near-instantaneous decisioning and ongoing servicing for merchants and customers, offering flexible repayment terms and a no-obligation return option if a consumer cannot continue payments, helping avoid traditional debt traps. By integrating payment processing, underwriting, and servicing, Kafene helps merchants extend credit while giving buyers access to purchases with terms aligned to their credit profile.

Taxfix GmbH is a Berlin-based company founded in 2016 that specializes in digital tax assistance through its mobile application. The Taxfix platform simplifies tax declarations and returns, enabling users to claim unclaimed tax refunds efficiently. It features a smart, dynamic questionnaire and utilizes machine learning technology to automate user communication, ensuring compliance with various fiscal regulations across countries. Taxfix has established itself as a leading financial platform in Europe, with over 6 million tax returns submitted. The company offers a range of services, including a straightforward self-filing application and a guided service where independent tax advisors manage the entire tax return process for users. Through its innovative solutions, Taxfix aims to empower individuals to confidently navigate their finances.

Petal Card, Inc. is a credit card company focused on providing financial access to individuals without traditional credit histories, such as students and immigrants. Founded in 2015 and based in New York, the company utilizes machine learning to analyze users' digital financial records, allowing for cash flow underwriting as an alternative to conventional credit scoring. This innovative approach enables Petal to offer higher credit limits and lower rates compared to competing credit cards. The company's flagship product, the Petal Visa, is designed to promote responsible spending and credit-building, accompanied by a user-friendly digital application for managing payments. Petal aims to make credit more honest, simple, and accessible, fostering a financial environment that encourages users to succeed.

N26 offers mobile banking solutions in the European Union, providing international money transfers, investments, overdraft facilities, and cash withdrawals/deposits at stores. Founded in Berlin, Germany in 2013 by Maximilian Tayenthal and Valentin Stalf.

Qonto is an online bank headquartered in Paris that serves small and medium-sized businesses and freelancers. It provides business bank accounts and digital banking services designed to simplify payments, accounting, and cash flow management for a range of company types. The platform offers features such as international transfers, invoicing, expense management, virtual cards, multi-account capabilities, and integrations with other business tools. With transparent pricing and a focus on efficiency, Qonto supports startups, founders, freelancers, and growing teams in managing finances.

Taxfix GmbH is a Berlin-based company founded in 2016 that specializes in digital tax assistance through its mobile application. The Taxfix platform simplifies tax declarations and returns, enabling users to claim unclaimed tax refunds efficiently. It features a smart, dynamic questionnaire and utilizes machine learning technology to automate user communication, ensuring compliance with various fiscal regulations across countries. Taxfix has established itself as a leading financial platform in Europe, with over 6 million tax returns submitted. The company offers a range of services, including a straightforward self-filing application and a guided service where independent tax advisors manage the entire tax return process for users. Through its innovative solutions, Taxfix aims to empower individuals to confidently navigate their finances.

Even.com is focused on enhancing financial resilience for employees, addressing the challenges faced by over half of Americans living paycheck to paycheck. The company develops a mobile budgeting application that automatically budgets upcoming bills, allowing users to manage their spending habits effectively. By partnering with employers, Even provides its services as a benefit, which not only supports employees in making ends meet, paying down debt, and saving money but also helps employers improve employee retention. The business operates transparently, ensuring that it profits only when its customers do. Even.com is based in Oakland, California, and Raleigh, North Carolina.

LoanStreet operates an online platform that facilitates efficient syndication of loans for credit unions, banks, and direct lenders. Founded in 2013, it automates and standardizes the process from origination to maturity, enabling lenders and investors to buy, sell, and manage loans directly through its platform.

N26 offers mobile banking solutions in the European Union, providing international money transfers, investments, overdraft facilities, and cash withdrawals/deposits at stores. Founded in Berlin, Germany in 2013 by Maximilian Tayenthal and Valentin Stalf.

Petal Card, Inc. is a credit card company focused on providing financial access to individuals without traditional credit histories, such as students and immigrants. Founded in 2015 and based in New York, the company utilizes machine learning to analyze users' digital financial records, allowing for cash flow underwriting as an alternative to conventional credit scoring. This innovative approach enables Petal to offer higher credit limits and lower rates compared to competing credit cards. The company's flagship product, the Petal Visa, is designed to promote responsible spending and credit-building, accompanied by a user-friendly digital application for managing payments. Petal aims to make credit more honest, simple, and accessible, fostering a financial environment that encourages users to succeed.

Jetty Insurance Agency LLC, founded in 2015 and headquartered in New York, is a financial services company that specializes in providing property and casualty insurance products. The company has developed a real estate insurance platform aimed at simplifying the leasing process and enhancing conversion rates for property managers. Jetty's innovative solutions help property managers increase lease conversions, minimize bad debt, and streamline their operations. For renters, Jetty alleviates the financial burden associated with move-in costs, making home renting more affordable and accessible. Through its mission, Jetty seeks to transform the rental experience for both property managers and residents.

Qonto is an online bank headquartered in Paris that serves small and medium-sized businesses and freelancers. It provides business bank accounts and digital banking services designed to simplify payments, accounting, and cash flow management for a range of company types. The platform offers features such as international transfers, invoicing, expense management, virtual cards, multi-account capabilities, and integrations with other business tools. With transparent pricing and a focus on efficiency, Qonto supports startups, founders, freelancers, and growing teams in managing finances.

TradeIT is a New York-based startup focused on enhancing the trading experience for investors through its innovative online trading integration platform. The company aims to empower consumers to become more engaged investors by allowing them to place orders seamlessly with their existing online brokerage accounts from any website or mobile device. TradeIT's technology, developed by a team of financial technology experts, is designed to be easily integrated into various applications, websites, and advertising units, providing a multi-broker experience in the trading ecosystem. The platform prioritizes security and compliance, ensuring that online traders can execute transactions safely and efficiently. With its patent-pending technology, TradeIT is positioned to transform how users interact with their trading activities.

Qonto is an online bank headquartered in Paris that serves small and medium-sized businesses and freelancers. It provides business bank accounts and digital banking services designed to simplify payments, accounting, and cash flow management for a range of company types. The platform offers features such as international transfers, invoicing, expense management, virtual cards, multi-account capabilities, and integrations with other business tools. With transparent pricing and a focus on efficiency, Qonto supports startups, founders, freelancers, and growing teams in managing finances.

Petal Card, Inc. is a credit card company focused on providing financial access to individuals without traditional credit histories, such as students and immigrants. Founded in 2015 and based in New York, the company utilizes machine learning to analyze users' digital financial records, allowing for cash flow underwriting as an alternative to conventional credit scoring. This innovative approach enables Petal to offer higher credit limits and lower rates compared to competing credit cards. The company's flagship product, the Petal Visa, is designed to promote responsible spending and credit-building, accompanied by a user-friendly digital application for managing payments. Petal aims to make credit more honest, simple, and accessible, fostering a financial environment that encourages users to succeed.

Octane is a financing platform designed to facilitate lifestyle purchases, such as powersports vehicles, RVs, and outdoor power equipment, by enhancing the buying experience for consumers. The company employs advanced technology and innovative risk strategies to create a seamless, end-to-end process that supports customers throughout their purchasing journey. Octane inspires enthusiasts through its editorial brands, prequalifies consumers for financing online using its e-commerce tools, and connects customers with partner dealerships for efficient closing. Additionally, Octane provides comprehensive loan servicing to assist customers during the life of their loans. Operating as a remote-first organization, Octane maintains offices in New York, Irving, Irvine, and Knoxville, and collaborates with over 35 original equipment manufacturers and 4,000 dealer partners across the United States. The company has been recognized for its rapid growth, earning a spot on the 2022 Inc 5000 list of America's Fastest Growing Private Companies and being certified as a great place to work.

Deposit Solutions GmbH, founded in 2011 and based in Hamburg, Germany, specializes in developing an open banking platform that connects banks and depositors across Europe. The company's innovative platform allows banks to offer third-party deposit products to their customers through existing accounts. This enables depositors to access competitive deposit offers without needing to open new accounts at different banks. By facilitating this connection, Deposit Solutions helps banks attract deposits from new markets and client groups, allowing them to enhance their funding options without the need to establish and manage their own retail infrastructure.