This article showcases our top picks for the best America based Fintech (Financial Technology) companies. These startups and companies are taking a variety of approaches to innovating the Fintech (Financial Technology) 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:
- Innovative ideas
- Innovative route to market
- Innovative product
- Exceptional growth
- Exceptional growth strategy
- Societal impact
Top America Fintech (Financial Technology) Companies
SoFi is a finance company that offers a range of lending and wealth management services. The company primarily caters to early-stage professionals and offers variable and fixed rate parent, personal, and MBA loans, mortgage refinancing, and more.
They create modern financial products and services that help people borrow, save, spend, invest, and protect their money better so that they can achieve financial independence and realize their ambitions from owning a home to saving for retirement, paying off their student loans, and more. It was founded in 2016 and is headquartered in San Francisco, California..
Plaid is the technology platform providing the tools and access needed for the development of a fully modern, and digitally-enabled financial system. Plaid makes it easier and safer for developers — from the smallest startups to the largest financial institutions — to build innovative financial services and applications.
Plaid offers beautiful consumer experiences, developer-friendly infrastructure, and intelligence tools that give everyone the ability to build the future of financial services. Plaid was launched by William Hockey and Zach Perret in 2012 and is headquartered in San Francisco, California..
Square helps anyone take care of their business. Square’s complete register service is a full point of sale with tools for every part of running a business, from accepting credit cards and tracking sales and inventory to small-business financing.
Customers also use Square Cash, the easiest way to send and receive money, and Square Order, a new way to pre-order food and drinks for pickup. Founded in 2009 and headquartered in San Francisco, Square is currently available in the United States, Canada, and Japan..
Gig Wage is a fintech payroll company that provides a financial social safety net for gig workers and contractors. Its scalable platform enables businesses to manage contractor payroll, payments, and compliance while delivering greater transparency to their gig workers.
Whether they are paying 100 contractors or 100,000 Gig Wage gives the tools to efficiently manage the process while alleviating payments related support. Gig Wage provides an online platform that allows independent contractors to track the amount and type of work they perform for companies, initiate invoices, and receive payments from companies.
The partnership also allows Gig Wage the ability to introduce a new debit card with no monthly fee, free online bill pay, and free cash withdrawals at more than 19,000 ATM locations, free cash pick-up at over 7,000 retail locations nationwide, and other products and tools designed for gig workers and their employers. By leveraging Green Dot’s Banking as a Service platform, Gig Wage can now design and deploy its own customized banking and money movement solutions for its customers.
Gig Wage is founded in 2014 and is headquartered in Dallas, Texas, USA.. .
GGV Capital is a global venture capital firm that invests in local founders. As a multi-stage, sector-focused firm, GGV focuses on seed-to-growth stage investments across Consumer/New Retail, Social/Digital & Internet, Enterprise/Cloud and Frontier Tech sectors.
The firm was founded in 2000 and manages $6.2 billion in capital across 13 funds. Past and present portfolio companies include Affirm, Airbnb, Alibaba, Bitsight, ByteDance (Toutiao), Ctrip, Didi Chuxing, Grab, Gladly, Hello Chuxing, HashiCorp, Houzz, Keep, LingoChamp, Namely, Niu, Nozomi Networks, Opendoor, Peloton, Poshmark, Slack, Square, Wish, Xauto, Xiaohongshu, Yellow, YY, Zhaoyou and more.
The firm has offices in Beijing, San Francisco, Shanghai and Silicon Valley. Learn more at ggvc.com, @GGVCapital or GGVCapital on WeChat..
Our mission is to accelerate the adoption of cryptocurrency so that you and the rest of the world can achieve financial freedom and inclusion. Founded in 2011 and with over 4 million clients, Kraken is one of the world’s largest, most successful bitcoin exchanges and we’re growing faster than ever.
Our range of successful products are playing an important role in the mainstream adoption of crypto assets. Kraken is a marketplace for digital assets where buyers, sellers, traders and speculators come together to exchange cryptocurrencies like Bitcoin, Ethereum, Litecoin and Ripple against national currencies like USD, EUR, CAD and JPY.
Clients trading larger sizes benefit from our principal Over-the-Counter (OTC) desk and white glove service. Advanced traders and technical analysis wizards can take advantage of our professional charting tools.
Software engineers, botters and hobbyist automators have available both REST and Websocket APIs with which trades can be made and market information obtained. Kraken provides 24/7 live chat support for any questions you have about getting started..
Flutterwave provides a payment service for global merchants and payment service providers. It provides technology, infrastructure, and services to enable global merchants, payment service providers, and helps banks and businesses build secure and seamless payment solutions for their customers by smoothening the exchange of funds.
The company was founded in 2016 by Iyinoluwa Aboyeji and Olugbenga Agboola and is headquartered in San Francisco, California.. .
Bestow is an insurance technology company offering a platform that makes life insurance accessible to families. It builds products and technologies that expand the market and reimagines life insurance distribution.
Bestow’s proprietary, entirely digital life insurance platform will help propel growth into new insurtech, carrier, and partner channels. The approach that the company uses enables busy families to seek and purchase affordable policy rights from their mobile device in a matter of minutes.
In addition to its direct-to-consumer arm, Bestow provides APIs that enable partners to offer life insurance coverage to their customers with ease. Jonathan Abelmann and Melbourne O’Banion headquartered the startup in Dallas, Texas in 2016..
Modern Treasury enables its clients to marry bank statements with the company’s business logic to provide an enriched history of the company’s financial transactions. This view will empower the company’s finance teams to focus on solving the mission-critical problems of the business and not piecing together the jigsaw puzzle of bank transactions by hand.
Modern Treasury will help answer those questions faster and with more confidence. The company’s tools automate the full cycle of money movement—from payment initiation, through approvals, to reconciliation—and are accessible through a web application or API..
NCR Corporation (NCR) is a technology company that provides products and services, which enable businesses to connect, interact and transact with their customers. NCR’s portfolio of self-service and assisted-service solutions serve customers in the financial services, retail, hospitality, travel and gaming, and entertainment industries and include automated teller machines (ATMs).
The Company operates in fits segments: Financial Services, Retail Solutions, Entertainment, and Emerging Industries. On August 24, 2011, NCR completed the acquisition of Radiant Systems Inc.
(Radiant), a provider of multichannel point-of-sale and managed hosted service solutions to the hospitality and specialty retail industries. On December 23, 2011, it sold its healthcare solutions business, including its MediKiosk patient access software, NCR Payment Manager, Patient Portal, Patient Tracking, Physician Referral, and eForms software solutions, to Quadramed Corporation.
NCR was founded in 1884 and is headquartered in Atlanta, GA, USA.. .
Oxygen is a digital banking platform. It is the first and only challenger in the US that offers both personal and business banking.
The bank of the 21st-century economy, serving consumers, small businesses, and freelancers. Available on iOS and Android, Oxygen users enjoy no monthly fees, no paperwork, early direct deposit, simple transfers, and cashback rewards on everyday purchases from approved merchants.
Businesses can easily control their finances with solutions that are elegant, simple, and secure.. .
Cadre is an online marketplace that connects investors and operators of real estate. It enables investments and transactions, provides a sophisticated technology product for managing processes, and powers predictive analytics for its investors.
Investors are able to sell their interest on the secondary marketplace thereby introducing liquidity into an antiquated industry. They are able to gain transparency, efficiency, and liquidity through the use of its proprietary technology, and are able to make better, more data-driven decisions.
Founded by Ryan Williams, and Josh and Jared Kushner, Cadre was launched in 2014.. .
Bakkt is a financial services company that focuses on digital currency that specializes in concurrency, rewards, and loyalty points. It features a software application platform designed for digital asset management that helps institutional clients in an end-to-end regulated market.
The company was founded in 2018 and headquartered in Atlanta, Georgia.. .
MX is a fintech data company that aims to connect people with their financial data in a way that automates their money experience. It enables fintech and all financial institutions with aggregating, enhancing, analyzing, presenting, and acting on financial data.
MX enables banks and credit unions to achieve record-breaking growth by winning their competitor’s most profitable account holders. As one of the fastest-growing fintech providers, MX drives customer-centric banking relationships by gathering and providing data upon which online and mobile banking partners and financial institutions can create and deliver next-generation banking applications and solutions.
Founded in 2010, MX delivers data aggregation, data cleansing, auto-categorization, classification, money management, custom API, data analytics, marketing, UI, and more. In addition, MX offers an extensive array of client services, ranging from training to custom marketing services.
MX currently partners with more than 600 financial institutions and more than 30 digital, online, and mobile banking providers — designating MX as a proven powerhouse in the fintech space.. .
BlackRock’s business is investing on behalf of our clients, from large institutions to parents and grandparents, doctors and teachers who entrust their savings to us. We work only for our clients—period.
Our promise is to offer them the clearest thinking about what to do with their money and the products and services they need to secure a better financial future. That’s why investors of all kinds have made us the world’s largest asset manager, entrusting us with trillions of dollars, and it’s why companies, institutions and global governments come to us for help meeting their biggest financial challenges.
Important disclosures: http://www.blackrock.com/corporate/en-us/compliance/social-media-guidelines. .
Uplift is an enterprise Buy Now, Pay Later solution serving over 100 of the world’s top travel brands. Through personalized, flexible payment options, Uplift helps consumers take control of their budget and experience a world of travel.
With a complete range of payment options, Uplift unlocks higher conversions and lifetime customer value for merchant partners. The company was founded in 2014 and is headquartered in Menlo Park, California..
AvidXchange is the industry leader in automating invoice and payment processes for mid-market businesses. Founded in the year 2000, AvidXchange processes over $140 billion transactions annually across its network of more than 680,000 suppliers, transforming the way 6,000 customers in North America pay their bills.
AvidXchange is distinguished as a global fintech unicorn and one of the fastest growing technology companies in the U.S. with 1,500 employees supporting customers across seven office locations..
Arcus Arcus is a global API platform making fintech possible for everyone. Its fintech-as-a-service platform is fueling smarter, faster, integrated, and more accessible financial services.
Some of the world’s most popular fintech mobile payment apps including Santander, BBvA, Walmart, 7-Eleven, RappiPay, and more, are powered by Arcus’ infrastructure. In the year 2013, Arcus was founded by Edrizio De La Cruz, Inigo Rumayor Bleausteguigoitia, and Juan Jose Maldonado in Silicon Valley’s Y-Combinator.
Initially, the company intended to be a provider of a cross-border bill payment method, previously known under the name “Regalii.”Arcus has then evolved in 2016 to focus on bill pay data in the domestic market and has launched two new products; xData and xChange. Arcus has raised a total of $7.9 million in its Series A financing in 2017.
Their investors include IGNIA, Andreessen Horowitz, Winklevoss Capital Management, HOF Capital, and Y Combinator. The company is based in New York City and has raised $13M from Y-Combinator, Ignia, Maverick, Winklevoss, Initialized, HOF, and Kapor..
In 2013, our founding team recognized the lack of smart terminals in the market, so we set about reimagining the ubiquitous payment terminal into a connected, multi-purpose device that runs third-party apps. As smart terminals become mainstream, Poynt OS sets the standard as the open operating system that can power any smart payment terminal worldwide.
Combined with our Apps ecosystem we are creating a new app economy for merchants and allowing developers to write once and distribute everywhere. Fuelling our growth are some of the Valley’s top VC firms and leading global payments and fintech companies including Elavon, Google Ventures, Matrix Partners, National Australia Bank, NYCA Partners, Oak HC/FT Partners, Stanford-StartX Fund, and Webb Investment Network.
Headquartered in the heart of Silicon Valley in Palo Alto, CA, with offices in India and Singapore, we’re growing rapidly on a global scale so that merchants worldwide have the technology to transform their business.. .
IndieGoGo is a global crowdfunding platform that democratizes the way people raise funds for any project such as creative, entrepreneurial, or cause-related. The platform enables individuals and startups to generate pre-sales and collect feedback from early adopters before they manufacture their products.
Since its inception in 2008, Indiegogo has been offering related advice to individuals and startups that seek it and advising corporations on how to staff a team to create and manage a campaign effectively.. .
Circle provides an online platform that enables users to send money quickly and easily. Circle uses blockchain technology with Circle Pay to ease and improve how users send money.
Circle expands its services with a crypto-currency investment product with Circle Invest, enabling anyone to buy and sell crypto assets. It provides crypto-coins and offer OTC trading services via Circle Trade.
Its crypto-trading desk provides one of the largest global liquidity pools for digital asset trading and averages $2 billion in monthly volume. Jeremy Allaire and Sean Neville founded Circle in 2013.
$140 million from investors including Jim Breyer (Facebook), Goldman Sachs, IDG Capital (Baidu, Tencent), General Catalyst (AirBnB, Snapchat) and Accel Partners backs the company, with its headquarters in Boston, and branches in New York, San Francisco, Dublin, London, and Hong Kong.. .
Vise automates investment management for financial advisors using artificial intelligence. Vise has built a full-stack platform spanning the entire lifecycle of the advisor-client relationship, including designing personalized portfolios for clients, managing portfolios, and providing on-going intelligence.
By doing so, Vise helps financial advisors focus on their most valuable resource — their client relationships. Vise was founded in 2016 by Samir Vasavada and Runik Mehrotra in New York, New York..
Octane is a Fintech company whose mission is to connect people with their passions. The $21B Powersports market is fast and fun, but the purchasing process is slow and frustrating.
Octane is changing that through automated underwriting, innovative credit products, and financing through our in-house lender Roadrunner Financial. Octane reaches millions of riders through editorial brands like CycleWorld.com and helps consumers buy their favorite vehicles with instant, frictionless financing on Octane.co..
Credit Karma is a personal finance company that’s focused on helping everyone make financial progress. Whether they’re interested in getting a better deal on a loan, looking for ways to save, or simply monitoring their credit, Credit Karma offers a range of tools and personalized recommendations designed to help them make the most of their money.
With more than 100 million members, Credit Karma helps people gain insight into their finances and credit information – and ultimately, improve their financial standing. Credit Karma was established in 2007 and is based in San Francisco, California..
Ideanomics is a global company focused on the convergence of financial services and industries experiencing technological disruption. Our Mobile Energy Global (MEG) division is a service provider which facilitates the adoption of electric vehicles by commercial fleet operators through offering vehicle procurement, finance and leasing, and energy management solutions under our innovative sales to financing to charging (S2F2C) business model.
Ideanomics Capital is focused on disruptive fintech solutions and services across the financial services industry. Together, MEG and Ideanomics Capital provide our global customers and partners with leading technologies and services designed to improve transparency, efficiency, and accountability, and our shareholders with the opportunity to participate in high-potential, growth industries.
The company is headquartered in New York, NY, with offices in Beijing, Hangzhou, and Qingdao, and operations in the U.S., China, Ukraine, and Malaysia.. .
Betterment is a smart automated investing service that provides optimized investment returns for individual, IRA, ROTH IRA, and rollover 401(k) accounts. Its technology enables users to manage their investments in a customized, diversified portfolio.
Charging a management fee of 0.25%, the company enables users to access, view, share, and review their portfolio’s activities as well as deposit and withdraw money from anywhere, anytime. Betterments products also include Tax Loss Harvesting, a program that works to offset taxes on both gains and income; and RetireGuide, a series of online surveys to enable users to determine the success of their long-term financial goals..
Self Financial is a venture-backed fintech startup that helps customers build credit and save money. It provides tools necessary for building on-time payment history and responsible use of credit, in collaboration with issuing banks.s services are for those who are new to credit or who might not have access to traditional financial products.
It offers Self Credit Builder Account to help consumers build both credit and savings without relying on credit history and Self Visa Credit Card, a card that helps existing customers build their security deposit in instalments. Self Financial is formerly known as Self Lender.
The startup was founded by Conor Swanson and James Garvey in 2015 and is based in Austin, Texas.. .
Very Good Security
VGS is a data security platform that enables allows users to collect, protect, and exchange sensitive data. Its SaaS solution provides users all the benefits of interacting with sensitive and regulated data without the liability of securing it.
The company was founded in 2015 by two engineers who have a long history of payments and security-focused engineering. VGS specializes in developing products that can literally disrupt fin-tech and data-security domains..
Silver Lake is a global technology investment firm focused solely on making large-scale investments in leading technology companies. They are partners to world-class management teams who seek to use their capital and expertise to build and extend their market leadership.
seeks to formulate its investments to enable growth and frequently employs conservative capital structures designed to drive aggressive investment in new initiatives, innovation, and business expansion. Their core investment thesis is that the technology industries represent an extraordinary yet under-exploited target for large-scale private investments.
The firm also seeks to cultivate proprietary or specialized investment opportunities not typically available to generalist investors. It devotes its full scope of talent and intellectual capital to the singular mission of investing in the world’s leading technology, technology-enabled, and related growth businesses.
Silver Lake was established in 1999 by David Roux, Glenn Hutchins, Jim Davidson, and Roger McNamee and is based in Menlo Park, California.. .
SimpleNexus is a developer of homeownership platforms connecting loan officers, borrowers, real estate agents, and settlement agents. Providing a great mortgage experience means making that experience consistent, across all channels, and points of contact.
With SimpleNexus, information flows seamlessly between the web, phone, and tablet. It was founded in 2011 and headquartered in Lehi, Utah..
Aura is a technology-powered, Community Development Financial Institution that provides fair, affordable loans to working families in America. Aura’s mission is to build financially healthy low-income communities, by providing empowering financial services to underbanked and unbanked.
Aura uses its proprietary scoring algorithms to review and approve credit applications and offers free credit scores and personalized expense management guidance to borrowers, allowing the working population to access loans in a simplified manner. Aura was founded in 2014 and is headquartered in San Francisco, California, USA..
BlockFi is a secured non-bank lender that offers USD loans to crypto-asset owners who collateralize the loan with their crypto-assets. Their products bring additional liquidity to the blockchain asset sector and meet the needs of both individuals and institutions holding blockchain assets.
BlockFi holds clients’ Bitcoin and Ether with a registered custodian and issuing loans in USD to their bank accounts. Currently operating in beta launch, lending in 35 US states to retail investors and companies.
BlockFi’s mission is to provide liquidity, transparency, and efficiency to digital financial markets by creating products that meet the needs of consumers and corporations across the globe. They leveraging a sophisticated infrastructure that integrates with multiple blockchains, they plan to expand their product set based on their retail and institutional client’s needs..
Addepar is a wealth management platform for investment advisors specializing in data aggregation, analytics, and portfolio reporting. It is the financial operating system used to bring common sense and ethical, data-driven investing in the financial world.
Addepar handles all types of assets in any currency, so investors and advisors have a clearer financial picture at every level, all in one place. With customizable reporting, financial managers can visualize and communicate relevant information to anyone who needs it.
Addepar was founded in 2009 and is headquartered in Mountain View, California with offices in Silicon Valley, New York, Chicago, and Salt Lake City.. .
Chainalysis designs and develops anti-money laundering software for Bitcoin businesses. Its products include REACTOR, an interactive and investigation tool that identifies offenders, visualizes data, and shares results with people and organizations, and API, a transaction based risk scoring solution that contains source and destination of funds to measure risk.
Chainalysis also offers activity monitoring reports and diligence tools, which allow analysts to estimate criminal’s revenues and emerging threats. It offers activity monitoring reports, due diligence tools, and cyber threat from the deep web for financial institutions, real-time application programming interface (API), web-based investigation software for due diligence, and verification of customers for bitcoin business, and web-based investigation tools to identify cyber-criminals, identification of bitcoin extortion payments made by victims to criminals, and attribution for cyber threat intelligence industries..
Juniper Square operates an online based platform for private equity firms to find, raise, and manage capital. It provides an easy-to-use software that streamlines fundraising, investment administration, and investor reporting.
With Juniper Square, clients will improve investor satisfaction, boost fundraising productivity, and save time and money on investment operations. Adam Ginsburg, Alex Robinson, and Yonas Fisseha founded it in 2014, with its headquarters in San Francisco in California..
Affirm is a financial technology services company providing installment loans to consumers at the point of sale. The company was founded with the goal to create honest financial products and services that empower consumers and improve lives.
It aims to revolutionize the banking industry to be more accountable and accessible to consumers. Today, Affirm provides shoppers an alternative to traditional credit cards at the point of sale, giving them the flexibility to buy now and make simple monthly payments for their purchases.
Unlike payment options that have compounding interest and unexpected costs, Affirm shows customers upfront exactly what they’ll pay each month — with no hidden fees and no surprises. Affirm partners with over 2,000 merchants to give shoppers the option to pay with Affirm at checkout including well-known brands across retail including home furnishings, travel, personal fitness, electronics, apparel and beauty, and more.
Loans are made in partnership with Afirm’s originating bank partner Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC. Jeffrey Kaditz, Max Levchin, and Nathan Gettings established the San Francisco, California-based company in 2012..
Carta is a transfer agent for private companies that enables seed-stage to pre-IPO companies to manage equity electronically with the participation of their shareholders, employees, auditors, and legal counsel. It digitizes paper stock certificates along with stock options, warrants, and derivatives to create a real-time image of who owns what at a startup.
Carta receives funding from a group of investors, including Draper VC, Expansion VC, k9 Ventures, Elefund, Subtraction Capital, Scott Banister, XG Ventures, Kima Ventures, Andy Palmer, and Structure Capital. It was founded by Manu Kumar and Henry Ward in 2012 as eShares, Carta is based in Mountain View, California..
Acorns is a finance company that allows individuals to round up purchases and automatically invest the change. It allows customers to automatically invest in a low-cost, diversified portfolio of exchange-traded funds offered by some asset managers including Vanguard and BlackRock.
Acorns was founded in 2012 and is headquartered in Irvine, California.. .
Payoneer empowers global commerce by connecting businesses, professionals, countries and currencies with its innovative cross-border payments platform. In today’s borderless digital world, Payoneer enables millions of businesses and professionals from more than 200 countries to reach new audiences by facilitating seamless, cross-border payments.
Additionally, thousands of leading corporations including Google, Airbnb, Elance-oDesk and Getty Images rely on Payoneer’s mass payout services. With Payoneer’s fast, flexible, secure and low-cost solutions, businesses and professionals in both developed and emerging markets can now pay and get paid globally as easily as they do locally.
Founded in 2005 and based in New York, Payoneer is venture-backed, profitable and ranked in the top 100 of Inc. 5000’s Financial Services companies..
CircleUp is the investment platform providing capital and resources to innovative, early-stage consumer brands with a modern, scalable approach to private markets. CircleUp is comprised of internally-managed equity funds, a credit program, and an Insights & Connections team – all powered by Helio, CircleUp’s proprietary machine learning platform.
Helio collects and analyzes billions of data points to evaluates 1.3 million consumer businesses and predict future business success.. .
BitGo is the world’s largest processor of on-chain Bitcoin transactions, processing 15% of all global Bitcoin transactions, and $15 billion per month across all cryptocurrencies. BitGo supports over 200 coins and tokens, and has over $2 billion in assets in wallet.
Our customer base includes the world’s largest cryptocurrency exchanges and spans more than 50 countries. In 2018, we introduced BitGo Custody and launched BitGo Trust Company, the first qualified custodian purpose-built for storing digital assets.
In 2019, we began providing clearing and settlement. Ben Davenport, Michael Belshe, and Will O’Brien founded BitGo in 2013.
It has its headquarters in Palo Alto in California.. .
Ramp is a technology company that develops corporate cards designed to save businesses money. The company is redesigning how corporate spending should be managed from the ground up to save time, money, and ensure control.
It provides companies higher card limits, insightful saving opportunities, automated expense management, lightning-fast receipt matching, seamless accounting integration, and more. The company was founded by the same team that built, scaled, and sold Paribus to Capital One, spearheading Capital One’s push into saving technologies.
Their group at Capital One enabled automated savings on online purchases, and put over $100 million back in consumers’ pockets. Ramp is committed to providing that same value and savings to businesses..
Bank of America
Bank of America is a financial institution, serving individual consumers, small- and middle-market businesses, and large corporations with a full range of banking, investing, asset management, and other financial and risk management products and services. They serve approximately 51 million consumer and small business relationships with approximately 5,300 retail banking offices and approximately 16,350 ATMs and award-winning online banking with 30 million active users and more than 13 million mobile users.
It offers industry-leading support to approximately 3 million small business owners through a suite of innovative, easy-to-use online products and services. The company serves clients through operations in more than 40 countries.
Bank of America is among the world’s leading wealth management companies and is a global leader in corporate and investment banking and trading across a broad range of asset classes, serving corporations, governments, institutions, and individuals around the world. Bank of America Corporation stock (NYSE: BAC) is a component of the Dow Jones Industrial Average and is listed on the New York Stock Exchange.
It was founded in 1998 and is headquartered in Charlotte, North Carolina, United States.. .
Pindrop uses AI-based IVR Authentication and Anti-Fraud Solutions to increase efficiency in call centers and stop fraudulent transactions. Pindrop solutions are leading the way to the future of voice by providing identity, security, and authentication for every voice interaction.
Pindrop solutions protect some of the biggest banks, insurers, and retailers in the world using patented technology that extracts an unrivaled amount of intelligence from every call encountered. Pindrop solutions help detect fraudsters and authenticate callers, reducing fraud and operational costs, while improving customer experience and protecting brand reputation.
Pindrop, a privately held company, headquartered in Atlanta, Georgia, was founded in 2011 and is venture-backed by Andreessen Horowitz, Citi Ventures, Felicis Ventures, CapitalG, GV, and IVP.. .
Tipalti streamlines and automates the way companies make payments to their suppliers, partners, publishers, and crowd. Tipalti provides a comprehensive cloud-based solution that addresses all phases of the payables workflow, from self-service supplier onboarding and management to tax compliance, invoice processing, global funds disbursement, early payments, and AP reporting and payment reconciliation, while helping to ensure the payer in full tax and regulatory compliance.
With Tipalti, companies can eliminate up to 80% of their supplier payment workload, helping them scale their business efficiently with global growth while strengthening financial and compliance controls and while improving the partner payment experience. Tipalti was founded on 2010 and is headquartered in San Mateo, California..
Metromile is the provider of pay-per-mile car insurance company in the U.S. Powered by data science and machine learning, the company is disrupting a $250 billion auto insurance category.
Metromile is building a loyal community of drivers who come for the savings and stay for the experience. AVA, Metromile’s AI-driven claims system, is designed to speed up the process of verifying and paying out insurance claims.
Using Metromile Pulse sensor data, AVA can reconstruct the scene of an accident to instantly determine if claim details are accurate. When the claim is verified, Metromile is able to automatically approve payments within seconds..
Forter is an NYC-based company that delivers real-time, completely automated, fraud prevention solutions for online merchants. It creates a completely fraud-free environment for the retailers through which they have the ability to make decisions that are solely based on what is good for their business.
The company’s system is designed to be consumer-centric, blocking fraud with accuracy, and at the same time enabling growth by increasing approvals and ensuring a better customer experience.. .
Remitly is a mobile payment service that enables consumers to conveniently make person-to-person international money transfers from the United States. Its online service is disrupting the $588 billion a year industry by using the latest technology and mobile devices to eliminate unnecessary forms, codes, agents, extra time and fees tied to the traditional money transfer process.
As a licensed money transmitter, Remitly currently operates in 49 states and Washington, D.C., and spends millions of dollars to thousands of customers each month. Remitly is backed by Stripes Group, DFJ, Vulcan Capital, QED, Trilogy Equity Partners, DN Capital, Founders Co-Op, Bezos Expeditions, and TomorrowVentures..
Lending Club is an online financial community that brings together creditworthy borrowers and savvy investors so that both can benefit financially. They replace the high cost and complexity of bank lending with a faster, smarter way to borrow and invest.
Founded in 2007, the company is headquartered in San Francisco, California, United States.. .
Current is a leading U.S. challenger bank built to meet the needs of people with unique lives who have been overlooked by the traditional banking industry.
Our proprietary Current Core technology allows us to provide premium banking services for everyone, regardless of age or income, and improve the financial outcomes of our members without overdraft fees, minimum balance requirements, or hidden fees. We give members up to two days faster direct deposit paychecks, free overdrafts up to $100 with Overdrive™ , points on purchases redeemable for cash back, access to 55,000 free ATMs worldwide as well as 24/7 member support 365 days a year..
LendingHome offers fix-and-flip bridge loans and rental loans for real estate investors. Its built-from-scratch technology simplifies every stage of the loan process, ensuring easy financing for both novices and experienced real estate investors.
LendingHome was established in 2014 by James Herbert and Matt Humphrey in San Francisco, California.. .
Stripe is a global technology company that builds economic infrastructure for the internet. Businesses of every size from new startups to public companies like Salesforce and Facebook use the company’s software to accept online payments and run complex global operations.
Stripe combines economic infrastructure with a set of applications for new business models like crowdfunding and marketplaces, fraud prevention, analytics, and more. Stripe navigates global regulatory uncertainty and partners closely with internet leaders like Apple, Google, Alipay, Tencent, Facebook, Twitter to launch new capabilities.
Stripe wants to help more companies get started and thrive and ultimately to grow the GDP of the internet. It was founded in 2010 and headquartered in San Francisco, California..
Brex is reimagining financial systems so every growing company can realize their full potential. With the financial OS, new customers can get up and running in minutes with corporate credit cards and cash management in a single, strategic account.
Plus, companies save hours every month with built-in tools and integrations to track spend, and earn points on every card purchase. Launched in 2018, Brex has raised $315M in equity funding alongside $350M in debt financing, and is backed by the likes of Y Combinator Continuity, Kleiner Perkins, and the founders of PayPal.
Headquartered in San Francisco, Brex also has offices in Vancouver, B.C. and the Salt Lake valley.
Brex was founded by Henrique Dubugras and Pedro Franceschi, two engineers who previously founded Pagar.me, one of the largest payment processors in Brazil with over $1.5 billion in GMV.. .
Workday is the leader in SaaS-based enterprise solutions for human resources, payroll and financial management, providing new levels of business agility for a fraction of the cost of buying, deploying and maintaining legacy on-premise systems. More than 130 customers, spanning mid-sized organizations to global Fortune 500 businesses, have selected Workday.
Workday Human Capital Management and Workday Financial Management use modern, standards-based technologies to provide an unparalleled level of agility, ease-of-use, and integration capability.. .
Amount is an edge technology company dedicated to creating and enhancing the digital credit offerings of financial institutions. Built by lending industry veterans, Amount’s multi-purpose lending products help partners go digital in months—not years—with a scalable suite of proven product modules for credit decisioning, fraud prevention, account verifications, servicing engines, and CRM solutions.
Amount partners can optimize performance across product categories by tapping into various service offerings including customer acquisition, funnel and performance assessments, and risk consulting and analytics. Amount clients include financial institutions collectively managing close to $1T in US assets and servicing more than 25 million U.S.
NCino offers a cloud-based bank operating system created by bankers for bankers. The system helps increase profitability, productivity gains, regulatory compliance, and operational transparency at all organizational levels as well as across all lines of business.
Following a process structure similar to a bank’s loan accounting system, the bank operating system offers combined services through its business process management, loan lifecycle, business intelligence, and document management solutions.. .
Greenlight Financial Technology is a financial services company that specializes in the fields of debit cards for kids and mobile apps. It empowers parents with convenient controls to safely manage family finances and create teachable moments around earning, spending, saving, and giving.
Using its patent-pending technology, they can even specify the exact stores in their town or neighborhood where each child’s Greenlight card is accepted. The company was founded in 2014 and is headquartered in Atlanta, Georgia..
Ripple provides one frictionless experience to send money globally using the power of blockchain. It offers a global real-time payment system that enables banks and financial institutions around the world to directly transact with each other without the need for a central correspondent.
The company also offers FX Market Making, a solution enabling enterprises to gain access to cross-currency liquidity through a distributed network that allows foreign exchange to be externally sourced from a competitive FX marketplace or an internal FX trading desk. This minimizes FX exposure thereby lowering the volatility and counter-party risk of trades.
Ripple Insights features industry updates, insider perspectives, and in-depth market analysis.. .
Cedar is a patient payment and engagement platform for hospitals, health systems, and medical groups that elevate the end-to-end patient experience. The platform leverages advanced data science to customize and simplify the payment experience, resulting in a modern, consumer-friendly way for patients to plan for and pay their bills.
It was founded in 2016 and is headquartered in New York, New York.. .
Kabbage is a financial technology and data company pioneering a new, automated way for small businesses to access working capital. The company simplifies the manual application process to one that is 100% online and automated.
Businesses can use their business data to submit an application online and receive an answer in minutes instead of waiting weeks and filling out numerous forms like traditional lending methods. Businesses can access ongoing lines of credit up to $250,000.
Kabbage leverages business data generated such as revenue, accounting data, business transactions, shipping data, social media and other sources to understand a business’s overall health and calculate credit lines throughout the customer lifecycle. The company began serving online merchants in 2011 and extended its automated lending platform to all small businesses – online and brick-and-mortar – in February 2014.
In November 2013, Kabbage expanded its business to mobile with an iOS and Android app that enables users to apply or access their funds from their smartphones. Kabbage used to provide a consumer lending product, Karrot, but it is no longer available.
Kabbage expanded the application of its platform in March 2015 by licensing the data and technology platform to power lending for other organizations. The company was named one of Forbes magazine’s Most Promising Companies list for the second year in a row.
Kabbage further extended its lending reach in May 2015 with the announcement of the new Kabbage Card, which gives businesses the ability to pay for items at the point of sale with a purchasing card tied to their Kabbage account. Kabbage also collaborated with MasterCard in May 2015 to make Kabbage’s data and technology platform available through MasterCard’s network of acquirers.
Robinhood is a stock brokerage that allows customers to buy and sell stocks, options, ETFs, and cryptocurrencies with zero commission. The startup offers equity, cryptocurrency, and options trading, as well as cash management accounts.
It also provides a stock brokerage platform that democratizes access to the financial markets and aims to make people comfortable storing money and trading stocks using its application. Vladimir Tenev and Baiju Bhatt established the company in Menlo Park, California in 2013..
Petal is a new kind of credit card company that is built to help people financially succeed. It aims to make credit honest, simple, and accessible.
The company uses machine learning to analyze a customer’s full digital financial record—not just their credit score. Petal has pioneered cash flow underwriting, as an alternative to credit scores, to make credit more accessible, and offers a simple, modern digital experience that encourages members to build credit, avoid debt, and spend responsibly.
Petal is based in New York, New York, and Richmond, Virginia. The Petal credit card is issued by WebBank, Member FDIC..
Marqeta is a modern card issuing platform that provides infrastructure and tools to help companies build and manage payment programs. With its open API, the Marqeta platform is designed for businesses that want a simple and tailored way of managing payment programs so that they can create experiences and power new modes of commerce.
Marqeta is headquartered in Oakland, California. It operates in the United States, Canada, Europe, and Australia and is certified to process payments in 10 countries in APAC..
Stash is a New York-based digital investing and banking platform. Stash is pioneering the future of personal finance with the first financial subscription that helps people create better lives.
From budgeting to saving for retirement, Stash unites banking, investing, and advice all in one app that has helped more than 5M people reach their financial goals and make progress towards financial freedom. The company was founded in October 2015 by Wall Street veterans, Brandon Krieg and Ed Robinson..
BitPay provides enterprise-grade bitcoin payment solutions for businesses and organizations. It offers RESTful API, a bitcoin paymet gateway API; and native payment protocol support, signed payment request, direct payment communication, and BIP 73 support solutions.
BitPay also provides Copay, a bitcoin wallet solution with Intel hardware security integration that allows users with hardware-level protection, including private key generation, transaction signing, and private keys. It has a strategic processing relationship with Aliant Payment Systems, Inc.
Anthony Gallippi and Stephen Pair founded BitPay on May 1, 2011. It has its headquarters in Atlanta in Georgia..
Coinbase is an online platform that allows merchants, consumers, and traders to transact with digital currency. It allows its users to create their own bitcoin wallets and start buying or selling bitcoins by connecting with their bank accounts.
In addition, it provides a series of merchant payment processing systems and tools that support many highly-trafficked websites on the internet. Coinbase was launched in 2012 with a mission to create an open financial system for the world.
It is operated from San Francisco, California.. .
Plastiq provides convenient, flexible, and secure payment options. Plastiq makes it possible for business owners and savvy consumers to use a credit card for practically any expense, even ones like rent that normally require a check.
The service makes it easier for cardholders to earn credit card rewards, tap early-payment discounts, and use cash in the ways that make the most sense for their lives. Plastiq is advancing innovative payment solutions to more than 150 countries around the world.
Plastiq was founded in 2012 and is based in San Francisco, California.. .
Coupa Software is an information technology company that specializes in the fields of procurement, finance, and cloud-based financial applications. The company offers cloud spend management (CSM) solutions that help companies control and gain visibility into their indirect spending while generating savings that go directly to the bottom line.
It was founded in 2006 and headquartered in San Mateo, California.. .
Neat Capital is a FinTech mortgage lender setting out to make financing a home as frictionless as using cash. It works directly with home buyers and also develops strong partnerships with real estate brokers, wealth managers, CPAs, and corporations.
The company’s platform cleans up the entire mortgage lending process and leverages technology for analyzing complex financial situations at a fraction of price, enabling clients to get home loans without any mess. Neat Capital is enabling clients to purchase homes with cash offers and close with financing in 10-15 days.
It lends to clients with excellent credit profiles and sells these loans to investors.. .
Camino Financial is a data-driven financial technology platform pioneering affordable credit and financial products for U.S. Latinx businesses.
The company uses proprietary artificial intelligence software to aggregate data and build machine learning models to drastically reduce financing costs for thin-file, cash-based microenterprises. First-time borrowers typically experience monthly payments 50% less than those of existing credit products in the market for the same loan size.
Microloans range between $5,000 and $75,000, structured for upward mobility with a graduation scheme into lower rates and longer-term loans as borrowers make timely repayments. Camino Financial has designed an omnichannel experience through its online presence and corporate partnerships to build entrenched distribution networks in the U.S.
Latinx market. The Company is headquartered in Los Angeles and operates another office in Mexico City..
Hercules Capital, Inc.
Hercules is the largest non-bank lender to venture capital-backed companies at all stages of development in a broadly diversified variety of technology, life sciences, and sustainable and renewable technology industries. With over a decade of experience in venture debt, Hercules is uniquely positioned to quickly create innovative financing solutions that perfectly fit within a company’s existing capital structure and map to its business objectives.
Recognized as the industry leader, Hercules understands the flexibility these types of companies need and has the experience to work closely with them, even through challenging times, to help them reach critical milestones. Hercules’ deep sector expertise, geographic presence and its strong capital base have made Hercules the lender of choice for more than 480 innovative companies..
TradeBlock offers financial institutions with a range of execution and analysis tools for digital currency markets. The company acts as a global source of data which shares analyses on market data relating to cryptocurrencies, trading, regulations, mining, protocol updates, block chain analysis, and economic developments.
TradeBlock was founded in 2013 and is based in New York, United States.. .
Airfox is on a mission to accelerate financial inclusion for the underbanked within emerging economies. Airfox aims to create an entirely new financial services model for the underbanked that democratizes access to capital and financial services with a mobile-first solution.
Airfox is a venture-backed, financial technology company based in Boston and São Paulo. To learn more about the future of decentralized digital banking, visit www.airfox.com..
Altruist is a fintech company that develops a commission-free digital investment platform. The platform is designed to help independent financial advisors grow faster, cut costs, eliminate paperwork, and delight their clients.
The company was founded in 2018 and is headquartered in Venice, California.. .
Lukka is a leading technology and data services provider for middle and back-office crypto asset processing. Its crypto-native products connect, standardize, reconcile, process, and report audit-ready information within a highly secure SOC 1 Type 2 enterprise-grade infrastructure.
Lukka was founded in 2014 and headquartered in New York, United States.. .
Expensify is a financial services startup that provides an online expense management service for businesses worldwide. Expensify is a great solution for both solopreneurs, start ups, SMBs, mid-market companies, and the enterprise.
Expensify’s expense management service does expense reports by importing expenses and receipts from credit cards and emails in conjunction with the Expensify mobile app to take pictures of receipts. Expense reimbursement can be done in-product through ACH Direct Deposit or by exporting reports to a payroll solution.
Expensify’s patented SmartScan technology reads receipts and automatically creates expenses or matches them to transactions imported from a credit card. Expensify was founded by David Barrett in May 2008.
It is based in San Francisco, California.. .
Finix Payments is a payment infrastructure platform that gives businesses an alternate way to own, manage, and monetize their entire payments experience without the headaches or expenses associated with building an in-house system from scratch. Payments are the lifeblood of every business, and it is critical to company revenue and customer experience that companies get the underlying technology right.
Through its Visa partnership, Finix also facilitates real-time push-to-card payments. The company was founded in 2015 and is headquartered in San Francisco, California..
SmartAsset is a financial technology company that empowers people with automated personalized financial advice. Its proprietary technology, up-to-the-minute research and unique Automated Financial Modeling software simulate the impact of different decisions on people’s personal finances, enabling millions of people to make smart financial decisions.
The company has created dozens of calculators and tools spanning the full range of personal finance options including home buying, retirement planning, life insurance, personal loans, student loans, credit cards, loan refinance, taxes, finding a financial advisor and investing. These tools live on SmartAsset’s website and are embedded in relevant content on financial publisher websites via the Captivate tool.
The company furthers its mission of helping people make smart financial decisions by connecting them to financial advisors via the SmartAdvisor service. In addition to these tools, an in-house editorial team creates thousands of educational articles and data-driven studies..
Solo is the community bank redefined where users borrow on their own terms and lend to reap the benefits. SoLo provides the science.
SoLo Funds is the leading alternative financial solution providing the fastest loan option to borrowers and option for lenders to obtain significant value. SoLo launched as a unique & proprietary lending marketplace and has since grown to a multifaceted advanced community banking solution powered by individual capital and enabled by insurance, banking products, and dynamic A.I.
Ellevest provides an engaging investing experience to help women meet their financial goals in life. Ellevest offers a modern, engaging user experience.
The same care, thoughtfulness, and attention to detail that is reflected in its beautiful, easy-to-use interface are applied to the construction of its portfolios, its selection of investments, and the development of the algorithms that drive its forecasts and recommendations.. .
Avant operates an online marketplace that provides users with access to personal loans to consolidate debt, pay unexpected medical expenses, and for family vacations. Through the use of big data and machine-learning algorithms, the company offers a customized approach to streamline credit options.
The company caters to consumers in the United States and the United Kingdom. Headquartered in Chicago, Illinois, Avant was founded in November 2012..
Personal Capital is a remote-delivery, industry-leading digital wealth management company that helps people transform their financial lives through technology and advisory services. The company’s state-of-the-art tools and technology provide investors with a complete financial picture, utilized by over 2.5 million customers.
Its registered investment advisors provide expert guidance, and customized strategies, based on a personal understanding of an investor’s financial picture and goals. It was founded in 2009 and is headquartered in Redwood Shores, California..
Billtrust develops a payment cycle management platform designed to automate every step in the invoice-to-cash process. Its platform accelerates cash flow by automating invoice delivery, invoice payment, and cash application for remarkable cost savings, ease-of-use, and improved customer satisfaction rates, enabling businesses and corporate clients to improve operational efficiency.
The company was founded in 2001 and is headquartered in Lawrenceville, New Jersey.. .
Earnin is the new, faster way to get your paycheck. Unlike traditional, rigid paychecks that only show up every two weeks, Earnin gives you access to your pay as you earn it — any time, any day, right from your smartphone.
Earnin charges no fee or interest for using the service: instead, with each transaction users are given the opportunity to pay what they believe is fair. Launched in 2014, Earnin is driving consumer-empowered finance through mobile technology by breaking open more than $1 trillion held up in America’s pay cycle.
Current funding partners include Andreessen Horowitz, Matrix Partners, Ribbit Capital, Felicis Ventures, March Capital Partners, Trinity Ventures, Thrive Capital, and Camp One Ventures. For more information please visit www.Earnin.com..
The Conio Bitcoin Wallet lets you buy Bitcoins with a credit card, sell them through a wire transfer, and keep them safe. Available on Google Play, and App Store.
1. Your Bitcoins at hand, always.
With the Conio Bitcoin Wallet you can pay in any shop that accepts Bitcoins, and send them to your friends. All the Bitcoins you want, in the size of a smartphone.
2. You have control.
The Bitcoin price is always up to date, wherever you are, in real time. You can also check the Bitcoin Value in the time frame you want.
3. Buy and sell Bitcoins.
Aspiration is an online financial firm that offers retail banking and investing services built for everyone. Aspiration delivers the financial products that people need in a consumer-focused model that empowers people to choose their fee and aligns the interests of Aspiration and its customers.
The company donates a dime of every dollar it earns to help Americans that work to climb the ladder of opportunity while making it possible for its customers to choose to give a portion of their profits to a charitable cause of their choice.. .
MoneyLion is empowering the American dream by providing everyone access to better products for borrowing, saving and investing. Founded in 2013 by a team of leading technologists and financiers, MoneyLion uses superior analytics and machine learning-based technology to gain a 360-degree view of its users’ personal finances, enabling uniquely personalized advice and underwriting.
With its built-in system of rewards, points, and incentives, MoneyLion encourages good financial behavior and better financial outcomes. MoneyLion is headquartered in New York with offices in San Francisco and Kuala Lumpur, Malaysia.
For more information, visit www.moneylion.com or download the app at https://bnc.lt/E1yh/DNjAQCAwrD.. .
Ripio, formerly known as Bitpagos, is a financial payments company that provides electronic payment solutions for businesses in Latin America. It offers a range of financial services for the emerging markets using the blockchain technology to make a more accessible financial system.
The company helps merchants process international transactions with credit cards or bitcoins for a fraction of the cost as well as consumers buy bitcoins instantly with cash. It deals with clients in Argentina, Brazil, Chile, and Ecuador..
PayActiv is the best way for employees to get financial relief between paychecks, a service needed by two-thirds of the workforce. It gives businesses the tools essential to ease the financial stress of their employees and build a higher-performing workforce.
PayActiv is the right way to improve employee financial health. Its aim is to empower lower-income American workers with dignity.
The company accomplishes this by providing employees timely access to their earned-but-unpaid wages. Its social responsibility DNA and decades of experience in payments technologies helped the company reimagine the way financial services should be delivered to lower-income workers.
PayActiv is designed to help each and every user reach financial resilience and wellness. PayActiv serves thousands of employees and industries all across the board—restaurants, factories, hospitals, retail stores, and many more.
It was founded in 2011 and is based in San Jose, California.. .
HMBradley is a developer of a digital banking platform for savers. It rewards everyone, regardless of income, for developing sound financial habits.
HMBradley ‘s platform offers digitized banking services featuring virtual banking technologies that let users get credit cards instantly and enjoy banking facilities anytime via a smartphone application. The company was founded in 2019 and is headquartered in Santa Monica, California..
Bread partners with retailers to offer pay-over-time solutions that make financing easier and more transparent. The company uses technology to advance consumer-friendly credit by improving access, transparency, ease-of-use, and cost.
Their products help their merchant partners to grow sales by making their products accessible to more consumers. Bread was founded in 2014 and is based in New York, NY..
Blend is a digital lending platform that supports and simplifies applications for mortgages, consumer loans, and deposit accounts. The company helps lenders streamline the customer journey for any banking product from application to close.
Its Digital Lending Platform is utilized by Wells Fargo, U.S. Bank, and over 250 other leading financial institutions to acquire more customers, increase productivity, and deepen customer relationships.
The company enables customers to process more than $3.5 billion in mortgages and consumer loans per day, helping millions of consumers get into homes and gain access to the capital they need to lead better lives. Erin Collard, Eugene Marinelli, Nima Ghamsari, and Rosco Hill headquartered the company in San Francisco, California in 2012..
Simple is a web and mobile application that unifies various accounts into one accessible bank card. Rather than making money from different fees, Simple plans to split the net interest margin with its partner banks (the difference between the rate they lend at and the rate they pay to depositors), thus eliminating the incentive to push more confusing products at consumers.
Simple has more than 100,000 customers, processed $1.7 billion in annual transactions last year, and experienced 330% customer growth. Simple was launched by Alex Payne, Shamir Karkal, and Josh Reich in January 2009 and is based in Portland, Oregon..
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