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101 Leading United States Fintech Startups Founded in 2020 & 2021

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This article showcases our top picks for the best United States based Fintech companies. These startups and companies are taking a variety of approaches to innovating the Fintech industry, but are all exceptional companies well worth a follow.

We tried to pick companies across the size spectrum from cutting edge startups to established brands.

We selected these startups and companies for exceptional performance in one of these categories:

  • Innovation
    • Innovative ideas
    • Innovative route to market
    • Innovative product
  • Growth
    • Exceptional growth
    • Exceptional growth strategy
  • Management
  • Societal impact

Top United States Fintech Startups

Data sourced from Crunchbase and SemRush.

Capchase

Capchase

Crunchbase Website Twitter Facebook Linkedin

Capchase is a fintech company that provides financial solutions to startups by allowing access to funds as they grow.

Tomo

Tomo

Crunchbase Website Twitter Facebook Linkedin

Tomo is a fintech startup that will improve the homebuying experience, initially as a digital mortgage and transaction company.

Tomo

Collective

Crunchbase Website Twitter Facebook Linkedin

Collective provides financial concierge services for self-employed people and businesses.

Tomo

Treasury

Crunchbase Website Twitter Facebook Linkedin

Treasury is a financial technology VC firm that supports founders.

Tomo

Ascend

Crunchbase Website Twitter Facebook Linkedin

Ascend is a modern, all-in-one payments solution purpose-built for insurance

Tomo

Finary

Crunchbase Website Twitter Facebook Linkedin

Finary is an investing social platform where you can talk about investments with friends and make trades on the market.

Tomo

Alt

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Alt is an alternative asset platform that allows people to buy, sell, and store sports cards.

Tomo

Highnote

Crunchbase Website Twitter Facebook Linkedin

Highnote is the world’s most modern card platform, purpose-built to grow customer loyalty, engagement, and revenue.

Tomo

Goldfinch

Crunchbase Website Twitter Facebook Linkedin

Goldfinch is a credit platform that offers crypto loans without collateral.

Tomo

MicroAcquire

Crunchbase Website Twitter Facebook Linkedin

MicroAcquire is a startup acquisition marketplace that helps startups find buyers and get acquired.

Tomo

Daylight

Crunchbase Website Twitter Facebook Linkedin

Daylight is the first and only digital banking platform in the USA built for LGBT+ people, by LGBT+ people.

Tomo

Valkyrie

Crunchbase Website Twitter Facebook Linkedin

Valkyrie is a specialty alternative asset management platform providing a wide range of investment services and products.

Tomo

TrueFi

Crunchbase Website Twitter Facebook Linkedin

TrueFi is the ultimate DeFi uncollateralized lending protocol

Tomo

First Boulevard

Crunchbase Website Twitter Facebook Linkedin

First Boulevard is a fintech startup that aims to address the generational wealth gap for Black Americans.

Tomo

Gr4vy

Crunchbase Website Twitter Facebook Linkedin

Gr4vy is a cloud payment orchestration platform that helps businesses manage their payment solutions

Tomo

Allio Fintech

Crunchbase Website Twitter Facebook Linkedin

Allio is democratizing access to Robo-Advisory by taking a 21st Century approach to Tactical Asset Class Allocation with advanced AI/ML

Prim6

Crunchbase Website Twitter Facebook Linkedin

Prim6 is a Big data intelligence company offering a blockchain asset management SaaS.

Tomo

Fei Protocol

Crunchbase Website Twitter Facebook Linkedin

Fei Protocol is a direct incentive stable coin which is undercollateralized and fully decentralized.

Tomo

Hopscotch

Crunchbase Website Twitter Facebook Linkedin

Instant, fee-free payments for small businesses & startups.

Tomo

Weav

Crunchbase Website Twitter Facebook Linkedin

Weav is an API for commerce platforms that allows its users to access their customers’ standardized transaction data in real-time.

Tomo

Valora

Crunchbase Website Twitter Facebook Linkedin

Valora is a mobile peer-to-peer payments and remittance app built on the Celo platform.

Tomo

Figure

Crunchbase Website Twitter Facebook Linkedin

Figure is a compensation platform that helps companies figure out how to pay their employees by making data driven decisions.

Tomo

Lendtable

Crunchbase Website Twitter Facebook Linkedin

Lendtable provides income-constrained individuals with wealth-building cash advances.

Tomo

Alinea

Crunchbase Website Twitter Facebook Linkedin

Investing in ideas you believe in.

Tomo

Greenwood Bank

Crunchbase Website Twitter Facebook Linkedin

Greenwood Bank is a digital banking platform for Black and Latinx people and business owners.

Tomo

Dash

Crunchbase Website Twitter Facebook Linkedin

Dash is building a unified, modern, and accessible alternative payment network for African consumers and businesses.

Tomo

Burnt Finance

Crunchbase Website Twitter Facebook Linkedin

Burnt Finance is a decentralized auction protocol to enable fast and seamless auctions for a diverse array of assets.

Tomo

Onramp Invest

Crunchbase Website Twitter Facebook Linkedin

Onramp Invest is a digital comprehensive crypto-asset management solution that helps financial advisors to invest in cryptocurrency.

Tomo

Nirvana Health

Crunchbase Website Twitter Facebook Linkedin

Nirvana Health is a mental health company providing modern fintech and insurance solutions to healthchare.

Tomo

Finmark

Crunchbase Website Twitter Facebook Linkedin

Finmark is financial planning software for startups; making it simple for companies to manage their runway, hiring, and cash.

Tomo

Walnut

Crunchbase Website Twitter Facebook Linkedin

Walnut is a point-of-sale lending platform that wants to make healthcare more affordable for patients.

Tomo

Tiv

Crunchbase Website Twitter Facebook Linkedin

Tiv is a payments and rewards platform that provides reward points for purchases.

Tomo

Trading.TV

Crunchbase Website Twitter Facebook Linkedin

Trading.TV is a social live stream and immersive chat platform for traders and financial content creators.

Tomo

Runway

Crunchbase Website Twitter Facebook Linkedin

Runway is a ground up rethink of the role of financial data inside modern businesses.

Tomo

Crediverso

Crunchbase Website Twitter Facebook Linkedin

Crediverso is a financial marketplace where people can find credit cards, credit checks, and international money transfers.

Tomo

Collectable

Crunchbase Website Twitter Facebook Linkedin

Collectable is the #1 Fractional Investment Platform for Sports Collectibles.

Tomo

CrossTower

Crunchbase Website Twitter Facebook Linkedin

CrossTower is an exchange operator.

Tomo

Yardline

Crunchbase Website Twitter Facebook Linkedin

Yardline is an offering Capital-as-a-Service technology for e-commerce platforms, marketplaces, and direct capital providers.

Tomo

Millions

Crunchbase Website Twitter Facebook Linkedin

Millions operates as a fintech company.

Tomo

Ensemble

Crunchbase Website Twitter Facebook Linkedin

Ensemble is a FinTech platform designed to help co-parents manage shared expenses for their children more easily.

Tomo

Fractional

Crunchbase Website Twitter Facebook Linkedin

Fractional is an NFT platform that unlocks liquidity, reduces entry costs, and allows for synergy with other DeFi primitives.

Tomo

Notional Finance

Crunchbase Website Twitter Facebook Linkedin

Notional is a fixed rate and fixed term crypto lending and borrowing protocol.

Tomo

Fintor

Crunchbase Website Twitter Facebook Linkedin

Fintor is a platform for buying and selling fractional equity shares in real estate properties.

Tomo

Notabene

Crunchbase Website Twitter Facebook Linkedin

Notabene helps businesses perform crypto transactions that are regulatory compliant.

Tomo

Peachy

Crunchbase Website Twitter Facebook Linkedin

With Peachy, healthcare providers get paid faster by making patient payments quicker, easier, and more affordable.

Tomo

Sifchain Finance

Crunchbase Website Twitter Facebook Linkedin

Sifchain is the world’s first omni-chain decentralized exchange (DEX) for digital assets.

Tomo

Anzen

Crunchbase Website Twitter Facebook Linkedin

Anzen is a management insurance and operations tool using real-time HRIS and SaaS integrations to identify and avoid management risks.

Tomo

Moneyworld

Crunchbase Website Twitter Facebook Linkedin

Banks are no fun. Moneyworld is.

Tomo

Sardine

Crunchbase Website Twitter Facebook Linkedin

Sardine provides fraud prevention as a service solution for the digital economy.

Tomo

Quiver Quantitative

Crunchbase Website Twitter Facebook Linkedin

Quiver Quantitative is an alternative data platform designed for retail investors.

Tomo

FranShares

Crunchbase Website Twitter Facebook Linkedin

FranShares will soon offer investors access to direct franchise location ownership and income for as low as $500.

Tomo

Rialtic

Crunchbase Website Twitter Facebook Linkedin

Rialtic develops an open marketplace platform that equips and enables accurate payments in healthcare.

Tomo

FUSE Autotech

Crunchbase Website Twitter Facebook Linkedin

FinTech, SaaS, Finance Management System for Auto dealers

Tomo

Risk Harbor

Crunchbase Website Twitter Facebook Linkedin

The only objective risk management marketplace for decentralized finance (DeFi).

Tomo

Sanlo

Crunchbase Website Twitter Facebook Linkedin

Vertically-focused platform of financial services for the gaming & app companies

Tomo

Finley Technologies

Crunchbase Website Twitter Facebook Linkedin

Finley is a YC- and Bain Capital Ventures-backed company that helps companies streamline debt capital raise and management.

Tomo

HamsaPay

Crunchbase Website Twitter Facebook Linkedin

HamsaPay provides solutions for the B2B e-commerce payments market.

Tomo

Alice

Crunchbase Website Twitter Facebook Linkedin

Alice is a decentralized finance mobile application that enables users to send money to friends.

Tomo

Caplight

Crunchbase Website Twitter Facebook Linkedin

Caplight is a platform that enables institutional investors to buy and sell derivatives of private equity.

Tomo

OpenEnvoy

Crunchbase Website Twitter Facebook Linkedin

A software solution to Accounts Payable’s biggest challenge.

Tomo

Makara Digital

Crunchbase Website Twitter Facebook Linkedin

Makara Digital is a cryptocurrency investing platform that offers a secure proprietary trading technology that was built for digital assets.

Tomo

Synctera

Crunchbase Website Twitter Facebook Linkedin

Synctera is a FinTech-as-a-Service platform that connects financial institutions with fintech companies.

Tomo

Citadel – Payroll APIs

Crunchbase Website Twitter Facebook Linkedin

With Citadel, users can easily connect their payroll account and instantly verify employment, income, and identity.

Tomo

Data Mynt

Crunchbase Website Twitter Facebook Linkedin

Banking is needed. Banks are not. Data Mynt helps businesses reach their potential with web3 based financial tools.

Tomo

Qooore — Investment, Trading & Insight

Crunchbase Website Twitter Facebook Linkedin

Easy-to-understand AI-powered smart-signal investment tool

Tomo

Carputty

Crunchbase Website Twitter Facebook Linkedin

Carputty is a consumer automotive startup that provides car loan services to its clients.

Tomo

Front Finance

Crunchbase Website Twitter Facebook Linkedin

Front is the ultimate investment platform powered by Front Score technology. Get our free app for iOS & Android. GetFront.com

Tomo

Hapi App

Crunchbase Website Twitter Facebook Linkedin

Hapi is a stock trading app with zero commission and no minimums focused in Latam.

Tomo

Marble

Crunchbase Website Twitter Facebook Linkedin

Marble is a developer of a digital wallet and loyalty platform for insurance.

Tomo

CollateralEdge

Crunchbase Website Twitter Facebook Linkedin

CollateralEdge is an innovative fintech platform.

Tomo

StreetBeat

Crunchbase Website Twitter Facebook Linkedin

Hedge fund level trading for everyone

Tomo

CoreCare

Crunchbase Website Twitter Facebook Linkedin

CoreCare is a healthcare financial technology company developing solutions that make it easy for healthcare providers to collect payments.

Tomo

ModernTax

Crunchbase Website Twitter Facebook Linkedin

ModernTax is API platform that democratizes access to tax records for business services companies.

Tomo

BlueTape

Crunchbase Website Twitter Facebook Linkedin

BlueTape is a payment and financing platform for the construction industry.

Tomo

Polkaswitch

Crunchbase Website Twitter Facebook Linkedin

A decentralized multi-chain liquidity protocol on Polkadot, Ethereum, and top layer 1 & 2 blockchains.

Tomo

Ready

Crunchbase Website Twitter Facebook Linkedin

Ready makes software that helps local internet service providers connect more subscribers to better broadband services.

Tomo

Deep Discovery

Crunchbase Website Twitter Facebook Linkedin

Artificial intelligence for fighting global corruption

Tomo

JustiFi

Crunchbase Website Twitter Facebook Linkedin

JustiFi develops a payments technology platform that optimizes each transaction to lower rates.

Tomo

Verituity

Crunchbase Website Twitter Facebook Linkedin

Verituity is a verified digital payments platform that connects banks, businesses, and payees to first-time and on-time digital payouts.

Tomo

Swype

Crunchbase Website Twitter Facebook Linkedin

Decentralized banking

Tomo

SmartDeFi

Crunchbase Website Twitter Facebook Linkedin

SmartDeFi is a non-custodial robo-investment app for decentralized finance.

Tomo

InterPrice Technologies

Crunchbase Website Twitter Facebook Linkedin

InterPrice Technologies is a financial technology company that empowers corporate Treasury teams to make financing decisions.

Tomo

HonestRobin

Crunchbase Website Twitter Facebook Linkedin

The personal finance app for unwealthy

Tomo

Inclined Technologies

Crunchbase Website Twitter Facebook Linkedin

Inclined pioneers a new form of lending in a large and vastly underserved market.

Tomo

Stratify Technologies

Crunchbase Website Twitter Facebook Linkedin

Stratify Technologies provides real-time and collaborative budgeting and forecasting solution.

Tomo

Crush Capital

Crunchbase Website Twitter Facebook Linkedin

Crush Capital is a fintech company democratizing access to investment opportunities.

Tomo

Karus

Crunchbase Website Twitter Facebook Linkedin

The AI Engine for Auto Finance

Tomo

FilmHedge

Crunchbase Website Twitter Facebook Linkedin

2-sided Fin-tech Marketplace providing financing to Film/TV

Tomo

Benefitbay

Crunchbase Website Twitter Facebook Linkedin

Benefitbay is the first-of its-kind, end-to-end solution that enables employers to offer personalized benefits for the modern workforce.

Tomo

MyMarkit

Crunchbase Website Twitter Facebook Linkedin

Fintech Blockchain Marketplace – A New Way To Shop

Tomo

Goalswell

Crunchbase Website Twitter Facebook Linkedin

Goalswell is created to empower you with financial knowledge and healthy financial habit development through social goal setting.

Tomo

LinkBee

Crunchbase Website Twitter Facebook Linkedin

Permission based employment and income verification for the gig-economy.

Tomo

Emerald Ocean Ventures

Crunchbase Website Twitter Facebook Linkedin

Turn Vision Into Value

Tomo

OTONOMI

Crunchbase Website Twitter Facebook Linkedin

We drive efficiencies in insurance operations through claim automation and frictionless payments.

Tomo

Ivella

Crunchbase Website Twitter Facebook Linkedin

Building the future of banking for couples.

Tomo

Atomic

Crunchbase Website Twitter Facebook Linkedin

Atomic is a provider of personalized investment management services that lets companies embed investment accounts into their services.

Tomo

DipJar

Crunchbase Website Twitter Facebook Linkedin

DipJar is changing the game of fundraising

Tomo

6figr.com

Crunchbase Website Twitter Facebook Linkedin

All about Career & Money – We predict future Employability, Earning potential & Unemployment risk using AI.

Tomo

Suma Wealth

Crunchbase Website Twitter Facebook Linkedin

A financial wellness company for the U.S. Latinx community.

Tomo

Haven

Crunchbase Website Twitter Facebook Linkedin

Haven is a digital platform that helps lenders engage borrowers by simplifying how homeowners understand their mortgage.

Tomo

Spaced Ventures

Crunchbase Website Twitter Facebook Linkedin

Public Investment Platform for the Space Industry

Written by Tenner Smith

Tenner Smith - I have experience in financial intelligence and automated intelligence. In industry I have worked on artificial intelligence and machine learning. Tenner Smith is a reporter at DF media.

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