Google for Startups

Beta Financial Services is a company focused on providing fair access to capital for small and midsize businesses. By utilizing innovative technologies like BetaScore, the firm aims to eliminate bias within the financial services sector, ensuring a more equitable lending process. Currently operating in stealth mode, Beta Financial Services is developing its offerings to better serve the needs of its clients in an increasingly competitive market.

KarmaLifeAI is an AI-powered digital solution for the financial well being of blue-collar gig workers and micro-business. The company allows the user to pay directly for key expenditures and smoothen their consumption patterns. It offers real-time access to credit for gig workers, based on their payroll account, through partnerships with the digital platforms they work for. It operates an interest-free subscription model in which the platform or the gig worker can pay a flat fee and access credit equalling up to one-third of their monthly income. The company analyzes alternative data points and payment behavior over time to unlock higher credit lines for the workers.

Periculum develops data analytic software utilizing artificial intelligence and machine learning to enhance credit assessment for organizations in underserved markets. The company's platform focuses on alternative data to provide comprehensive credit evaluations for lenders and financial institutions in Africa. By empowering clients with advanced data analytics and credit assessment services, Periculum aims to accelerate economic empowerment and improve access to financial resources for those in need.

BezoMoney is a digital savings platform based in Accra, Ghana, aimed at assisting low-income earners in effective saving. It offers both personal and group e-wallets, enabling users to save individually or collaboratively through group savings initiatives. The platform includes a mobile application with features that promote financial discipline, such as a personal wallet with a locking mechanism that encourages users to save over time. Additionally, BezoMoney employs a machine learning model that rewards consistent saving behavior with points, which can be redeemed for discounts, property acquisition, and investment opportunities. By enhancing users' creditworthiness and providing access to bulk capital through group savings, BezoMoney strives to foster financial independence among the unbanked and young people, ensuring transparency, accountability, and security in all transactions.

Raenest is a financial technology company that simplifies invoicing and payment processes for startups and freelancers, particularly in Africa. It allows users to send and receive invoices in various currencies, facilitating seamless cross-border transactions. The platform provides tools for automated onboarding, verification, and salary disbursement, enabling businesses to manage payments efficiently. By offering features like virtual cards, Raenest helps companies coordinate payments, ensure compliance, and manage expenses more effectively. Its services support fast and cost-effective money transfers, making it easier for businesses to engage with freelancers, contractors, and vendors globally.

UniPay is an eCommerce platform for infrastructure and industry-lacking regions that offers 5 products that enable trust, promote transparency, and enforce accountability.

SUITCH SAS is a company focused on enhancing financial literacy among youth and facilitating efficient financial transactions through a mobile money platform. By offering mobile payment solutions, SUITCH SAS aims to provide tailored financial products and services that meet the specific needs of young individuals. The platform also enables users to access advantageous deals and discounts at various merchant locations, thereby assisting micro and small enterprises in better managing their finances. Through its innovative approach, SUITCH SAS seeks to empower the younger generation by promoting financial education and digital transaction capabilities.

LoanWell, LLC provides a customizable loan origination system designed to streamline the entire loan process, including application intake, underwriting, closing, disbursement, and repayment. Established in 2017 and located in Durham, North Carolina, LoanWell serves community development financial institutions (CDFIs) by automating lending processes to enhance efficiency and deliver affordable capital to individuals and small businesses. The platform allows for secure management of applicant information and required documentation, while offering automated communication to facilitate application completion. By focusing on equitable access to capital, LoanWell aims to support mission-driven lenders in fostering community growth and economic development.

Snowball Wealth, Inc. is a financial management platform based in San Mateo, California, that provides tailored guidance for managing student loans and other financial challenges. Established in 2018, the company focuses on helping individuals navigate debt, retirement, and investments through personalized analysis and recommendations. Its mobile app features a community-driven approach that encourages open discussions about debt and financial planning while also offering AI-driven tools to create customized plans for users. By addressing the complexities of student debt and providing insights on refinancing options, Snowball Wealth aims to empower individuals to effectively manage their finances, build generational wealth, and achieve their financial goals.

Flexpay is a Nairobi-based company that operates a digital payment wallet, facilitating electronic transactions for individuals. It offers a range of products, including Flex Rent for managing residential and commercial rent payments, Flex Travel for holiday package payments, and Flex Retail for transactions with partner merchants. The company has developed an automated platform that enables both merchants and customers to manage flexible payments for goods and services through mobile money and bank transfer systems. This platform allows users to break down their purchases into manageable installments, enhancing affordability. Flexpay's innovative Save Now, Buy Later (SNBL) model empowers merchants to provide personalized incremental saving plans, thereby revolutionizing the payment process and improving customer engagement across Africa.

Black Tech Nation Ventures is a venture capital firm established in 2021 and located in Pittsburgh, Pennsylvania. With a focus on supporting diverse founders, the firm specializes in investing in early-stage companies across various sectors, including enterprise software, healthcare technology, climate technology, financial technology, and marketplaces. Black Tech Nation Ventures is distinctively majority Black-owned and emphasizes wealth creation for underinvested entrepreneurs and untapped innovative markets. The firm aims to foster diversity within the technology sector by backing entrepreneurs who have traditionally faced barriers to funding.

Deposits is a fintech company that develops a low-code, cloud-based platform aimed at enhancing the financial service offerings of banks and brands. By partnering with various financial institutions and businesses, Deposits provides a streamlined approach to money management and employee benefits. Its platform enables community banks, credit unions, insurers, and retailers to modernize their services and engage effectively with their customers. The tools offered include payment processing, mobile applications, and lending solutions, all designed to foster financial innovation and inclusion. Through these services, Deposits aims to transform workplace financial experiences and simplify access to essential financial services.

Zanifu is a regulated financial technology company that focuses on providing inventory financing for micro, small, and medium enterprises (MSMEs) in Sub-Saharan Africa. The company’s platform facilitates access to working capital by enabling small retailers to procure inventory from suppliers with the option to pay later. Designed with a mobile-first approach, Zanifu's platform is tailored to function effectively in areas with limited internet connectivity, thereby enhancing efficiency in supply chain operations. By addressing the financing needs of MSMEs, Zanifu plays a crucial role in supporting the consumer goods value chain in the region.

Kubo.financiero is a regulated finance company based in Mexico that provides a range of financial services including digital savings accounts, personal loans, term deposits, and a wallet application. Its innovative platform is designed to facilitate access to financial resources while promoting a lean operational model that results in lower interest rates for borrowers and higher returns for depositors. Kubo.financiero aims to foster financial inclusion and support the growth of Mexico's emerging middle class through customer-centric services that encourage economic empowerment and financial freedom.

NG.CASH is a digital app designed to help Generation Z become financially independent. It allows users to manage their own money with solutions such as PIX (Brazil’s “instant-payment” method), prepaid credit cards, allowance management, and a virtual card. Structured as a financial hub, NG.CASH aims to accompany its clients throughout their lives and increase financial literacy in the region.

Nomad is a fintech company that offers financial services primarily aimed at non-residents in the United States. Its platform enables users to open current accounts, transfer money, and pay bills easily. Additionally, Nomad provides a virtual card for online shopping, allowing Brazilian residents to access these financial services without incurring fees. This innovative approach facilitates hassle-free banking and financial management for individuals who may otherwise face challenges in accessing traditional financial services.

Mycon is a fintech startup that aims to transform the consortium market in Brazil. The company offers consortium administration services that facilitate collective purchasing of goods and services for consumers. Its platform enables individuals to join consortium groups to acquire properties, vehicles, motorcycles, and other services through a structured system of monthly payments and bidding processes. This approach allows participants to achieve their goals of acquiring significant assets while adhering to a regulated and secure saving scheme.

Much is a social banking platform based in New York that empowers individuals, particularly millennials and Generation Z, to enhance their financial well-being. The platform facilitates saving, investing, and managing debt, aiming to help users make informed financial decisions. By fostering a community-oriented approach, Much enables its users to take control of their finances, save more effectively, and streamline the research process associated with money management.

TrustFundRegistry is a fintech platform that allows family and friends to gift equity investments to a child they love. It enables financial inclusion for BIPOC families by removing the barrier of personally identifiable information required by non-custodial guardians, family members, and friends to send gifts directly into the child’s long-term investment fund.

Dollarito is a digital lending platform that helps the Hispanic population with no credit history or low FICO score access fair credit. The company specializes in the fields of credit, financial services, fintech, and personal finance.

Moneta is a financial service for merchants to use at the POS. After a customer pays with cash, It enables the cashiers to send back the spare change digitally whether the customer has a bank account or not. Moneta not only understands that decentralized currency is the future but we want to do our part by being the final frontier between the physical and digital currency. Pay cash and receive crypto as your change.

Ease is building the clinical practice and fintech infrastructure to power the future of private practices. Ease is a corporate card that helps clinician entrepreneurs start, grow, and manage private practices. We provide everything clinicians need to form new tech-enabled businesses, from automating business entities, licensing, credentialing, and banking to customizing practice management workflows that are end-to-end HIPAA-compliant.

Globalfy is a financial technology platform that supports global entrepreneurs and businesses, particularly in the tech and e-commerce sectors, by providing a comprehensive suite of services. The platform offers one-click solutions for business formation, banking, bookkeeping, tax services, and mailroom support, facilitating operations for organizations from various countries seeking to establish a presence in the United States. Designed with international founders in mind, Globalfy enables users to apply for U.S. business bank accounts without requiring a Social Security Number, along with access to a Visa debit card that is accepted worldwide. By streamlining these essential services, Globalfy aims to empower entrepreneurs to achieve and exceed their business objectives while remaining in their home countries.

Snowball Wealth, Inc. is a financial management platform based in San Mateo, California, that provides tailored guidance for managing student loans and other financial challenges. Established in 2018, the company focuses on helping individuals navigate debt, retirement, and investments through personalized analysis and recommendations. Its mobile app features a community-driven approach that encourages open discussions about debt and financial planning while also offering AI-driven tools to create customized plans for users. By addressing the complexities of student debt and providing insights on refinancing options, Snowball Wealth aims to empower individuals to effectively manage their finances, build generational wealth, and achieve their financial goals.

ONEBIT is a fintech company that helps independent business owners make smarter financial decisions. Its platform provides valuable insights from their sales and expense data.

FinMarie is a pioneering financial platform in Germany designed specifically for women, aiming to empower them in investment and financial management. The platform integrates education, technology, and personalized solutions to assist women in overcoming financial barriers and achieving investment security. By utilizing advanced algorithms, FinMarie helps users manage and rebalance their portfolios according to their financial goals and risk tolerance. The service combines digital financial education with tailored expertise, providing a structured approach for women to enhance their financial literacy and build wealth effectively. Backed by notable investors, FinMarie seeks to create a supportive environment for women at all stages of their financial journeys.

KudiGo is a technology company that provides a mobile-based integrated solution designed for informal consumer retailers in Africa. Its platform offers a comprehensive suite that includes retail management, accounting, and non-cash payment processing, along with AI-powered analytics. By leveraging innovative technology, KudiGo helps users improve their business oversight and adopt efficient bookkeeping practices, promoting financial inclusion. Additionally, the company utilizes big data and blockchain technology to enhance transparency and facilitate real-time monitoring for manufacturers and distributors in the retail sector.

Spleet is a fintech company that specializes in providing solutions for the rental market. It offers tenant verification and rent collection services for landlords, along with a rent financing option that allows tenants to pay later. Spleet operates a rental home listing platform that focuses on affordable living spaces, featuring fully furnished accommodations with flexible payment and sharing options. In addition to these services, Spleet also provides cleaning and security services, along with other amenities, to facilitate a smooth transition for tenants moving into their new homes while helping homeowners maximize their rental income.

Zuberi Technologies Limited operates in the HR-fintech sector, offering innovative payment solutions through its platform, Zuberi Pay. This on-demand mobile employee benefits app is designed for African salaried workers, allowing them to access their earned wages on a daily basis instead of waiting for the end of the month. By providing an interest-free alternative to traditional digital loans, Zuberi Pay aims to enhance the financial wellbeing of employees. The platform partners with companies across Africa that prioritize employee welfare and seek to improve workplace financial stability.

Exuus Limited is a financial technology company based in Kigali, Rwanda, focused on developing web-based software services that enhance operational performance and decision-making for organizations. Its primary products include Cartix, a platform designed to optimize strategic investments, and Save, which empowers savings groups by providing a user-friendly ledger system for managing finances. Additionally, Exuus offers digital data collection, mining, and visualization services to support its clients. The company aims to inspire resilience within communities by providing micro-loans and micro-insurance products, thereby facilitating access to credit for unbanked individuals and smallholder farmers. Founded in 2014, Exuus is dedicated to fostering financial inclusion and sustainability within informal social saving groups.

Bailport is a developer of a multi-currency e-wallet that leverages blockchain technology to provide low-cost payment solutions, primarily targeting the African market. The e-wallet allows users to exchange, save, and send money instantly at competitive rates. It serves as a mobile-only banking alternative, facilitating seamless money transfers from Africa to various global destinations.

HerVest is an inclusive fintech company based in Nigeria that focuses on providing financial services to smallholder women farmers and women-owned businesses. The organization aims to enhance the lives of women by facilitating access to savings, impact investing, and credit. HerVest addresses the significant gender finance gap in Africa, estimated at $42 billion, by democratizing access to loans for underserved women. The platform is designed to support female small-scale farmers in rural areas by offering flexible loans and financial resources that enable them to scale their businesses and achieve their financial goals. Through its efforts, HerVest promotes financial inclusion and strives to ensure that all women have equal opportunities for wealth-building, regardless of their background or circumstances.

Kyshi is a fintech company founded in 2020 by Ayo Akindele, headquartered in London, England. It specializes in providing digital banking solutions focused on facilitating money transfers to and from Africa. The company's proprietary platform features a global multi-currency wallet that allows users to create, fund, hold, and exchange various currencies at their preferred rates. By streamlining cross-border transactions, Kyshi aims to enhance the user experience, making money transfers more efficient and accessible anytime and anywhere.

CreditAIs specializes in providing innovative credit scoring tools tailored for micro businesses and individuals who do not conform to traditional credit scoring models. By utilizing machine learning, the company develops financial application programming interfaces (APIs) and software applications that deliver predictive insights, facilitating access to credit for underserved borrowers. This approach not only digitizes the credit application process for microlenders but also enhances lending conditions, thereby empowering individuals and small businesses with essential wealth-building resources.

Cova mission is to break the cycle of household poverty in Francophone Africa through insurance by adapting and accelerating the various operational processes to offer insurance.

Uellbee is a data driven technology company focused on financial wellness that offers debt refinancing loans, a proprietary personal financial management tool (GPS Financiero) and savings instruments.

Payin7 discovers the possibility of delaying payment by financing your purchases in easy installments. From 2 to 12 installments. From 35 euros to 1500 euros. Payin7 is a company 100% Spanish equity. It was founded by professionals with over 25 years of experience in banking and electronic commerce.

Rewire Ltd. is a fintech company based in Modi'in-Maccabim-Re'ut, Israel, specializing in remittance and digital banking solutions for migrants. Founded in 2015, Rewire facilitates money transfers from Israel to several countries, including the Philippines, India, Thailand, and Russia, allowing users to manage transactions via a mobile app or computer. The platform enables customers to create remittance orders, deposit funds through various methods, and receive notifications upon successful transfers. Rewire aims to enhance financial accessibility for migrant workers by integrating banking services into its platform, which includes payment accounts and debit card offerings. The company plans to expand its services to include bill payments, insurance, credit, loans, and investment options, further supporting the financial needs of its diverse customer base. Through strategic partnerships and a commitment to inclusivity, Rewire seeks to empower immigrants and integrate them into the financial system.

Akiba Digital is a data and technology company focused on delivering financial intelligence solutions. It specializes in developing a financial data aggregator application that assists users in managing their savings goals and overall financial management. The application provides on-demand insights and visualizations to help users track their progress, while also offering behavioral coaching as part of a premium rewards program. This enables individuals to access personalized financial guidance, promoting more efficient use of their financial resources. Akiba Digital aims to unlock financial opportunities for consumers, businesses, and society by leveraging alternative data.

Finplus Group is a technology company building a new credit & commerce infrastructure for emerging markets. We believe that access to markets & financial services should be a human right, available to everyone, everywhere, who wishes to participate in the modern economy. Our goal is to help close the massive $5.2Tn credit deficit faced by SMEs in developing countries every year. Finplus provides white-label digital finance & vertical ecommerce software to: 1. Enable banks & micro-lenders to lend to SMEs, at scale, across multiple markets 2. Help consumer goods companies to digitise sales end-to-end, effectively turning their supply chain into a demand chain 3. Unlock access to an instant line of credit for tens of millions of SMEs and individuals in emerging markets Finplus software has already processed over $1 Billion in transaction value across 5 emerging markets (Kenya, Uganda, Tanzania, Eswatini, South Africa), enabled more than 3 Million MSMEs & individuals to access credit and saved business customers over 1.2 Million man-hours through automation.

Raise is a digital platform that simplifies the fundraising process for startups, founders, investors, and law firms. It offers tools to manage corporate structures and equity, allowing users to streamline their fundraising efforts. The platform automates cap table management and securely stores essential legal documents, facilitating future due diligence. By creating a centralized repository for legal and financial information, Raise enables clients to develop data-driven fundraising strategies that clarify company valuation and ownership before and after capital raises. Additionally, it supports the signing of agreements, fostering collaboration between clients and prospective investors to efficiently finalize deals.

Lifestores Healthcare is focused on democratizing access to quality and affordable primary healthcare through technology. The company operates a digital pharmaceutical marketplace that provides proprietary software designed to streamline pharmacy operations. This software allows clients to efficiently manage inventory, optimize purchase discounts, and access patient loans. By leveraging technology, Lifestores Healthcare aims to make healthcare services more accessible and affordable for a broader audience.

Medsaf is a pharmaceutical platform based in Lagos, Nigeria, that facilitates the delivery of medications to hospitals, pharmacies, and clinics. Founded in 2014, the company offers a wide range of products, including antacids, antiviral drugs, anaemia treatments, antiseptics, and vitamins. Medsaf aims to enhance the accessibility of affordable, quality medications through an integrated suite of technologies designed to improve efficiency and transparency in the supply chain. Its services include online product distribution, quality control as a service, and a marketplace that connects healthcare providers with vetted suppliers and logistics partners. Additionally, Medsaf features an embedded finance platform that provides buy-now-pay-later solutions for medication procurement, streamlining the financial aspects of the pharmaceutical supply process.

Movimento Black Money serves as a vital resource for the Black community in Brazil, focusing on enhancing their economic participation and autonomy in the digital landscape. The organization addresses the unique challenges faced by this community by offering a range of financial resources and educational programs. It operates a digital marketplace and functions as a financial institution, providing tools and support to empower Black entrepreneurs and youth. Through its initiatives, Movimento Black Money aims to foster an innovative mindset, promote business development, and ultimately transform the Black entrepreneurial ecosystem.

Cove Living Pte Ltd is a real estate company based in Singapore that specializes in property broking and management services. Incorporated in 2018, Cove operates as a technology-driven platform, providing ready-to-live homes for young professionals, students, and travelers in Southeast Asia's urban destinations. The company allows landlords to list their properties on its portal, enhancing visibility and revenue potential. In addition to property listings, Cove offers a range of services to landlords, including demand and revenue generation, property design, and operational management, aimed at maximizing return on investment.

OKCredit simplifies credit account management for shop owners and their customers. It is a mobile based solution that enables recording of credit/payment transactions digitally all across the country. Gaurav Kumar and Aditya Prasad founded it in April 2017, with its headquarters in Faridabad in India.

Aquaconnect is a comprehensive aquaculture platform established in 2017 that supports fish and shrimp farmers in enhancing productivity and financial access through innovative technology solutions. By leveraging AI and satellite remote sensing, Aquaconnect captures pond data to deliver data-driven advisory services, enabling farmers to optimize water quality, aquatic health, and feed consumption. The platform facilitates connections between farmers and key stakeholders in the aquaculture value chain, including feed producers, equipment manufacturers, banks, and insurers. With an integrated approach, Aquaconnect has assisted over 60,000 farmers, providing them with context-aware alerts and suggestions to improve their operations. Additionally, the company offers data-enabled fintech solutions that enhance transparency for financial stakeholders engaging with the aquaculture community, ultimately helping to improve market linkages and value realization for farmers.

Clip is the leading commerce and digital payment platform that is empowering businesses in Mexico to interact and transact with its consumers more effectively through innovative technologies, best-in-class customer service, and the ability to accept all payment methods digitally.

TradeIn is a Saas Fintech/Assurtech platform that allows you to evaluate in real-time the payment behavior of your B2B customers, protect yourself against non-payment, and finance your cash flow.

Kwara GmbH is a Berlin-based company that specializes in providing a digital banking platform specifically designed for savings and credit co-operative societies (SACCOs). Founded in 2018, Kwara's cloud-based platform facilitates loan application servicing and approval for members, along with offering integration services, customer support, real-time financial tracking, and compliance services. The company also features Kwara Pronto, a tool for loans management. With a presence in Nairobi, Kenya, Kwara has successfully transformed over 200 SACCOs into modern digital financial institutions across Kenya, South Africa, and the Philippines, enhancing their operational efficiency and financial inclusion through its advanced core banking system and mobile banking experience.

Vittas is a developer of a loan distribution platform that aims to enhance transparency in lending markets. The platform facilitates access to affordable and flexible loans for businesses without requiring collateral, enabling them to meet their working capital needs. In addition to supporting borrowers, Vittas provides lending institutions with essential tools to effectively assess credit risk, thereby fostering a more open and efficient lending environment.

Developer of a financial education platform designed for daily purchase round-ups and learning real-life money management skills. The company's platform offers a new-age banking application that allows people in the community to earn, save, spend, and give back through daily transactions, enabling parents to teach financial management to children right from an early age.

FundBlackFounders is a rewards based crowdfunding platform and funding ecosystem for Black-Owned Small Businesses & Startups.

FundStory is a financial technology company based in Atlanta, Georgia, founded in 2020. The company focuses on transforming how finance teams access and manage non-dilutive funds through its innovative online integration services. FundStory's workflow management software aids founders in identifying suitable funding opportunities, navigating applications, and analyzing term sheets, thereby facilitating the growth of their businesses. By providing digital agents to streamline these processes, FundStory enhances the ability of startup founders to achieve their funding objectives effectively.

PeduL Inc. is a company based in Newark, New Jersey, that operates an online crowdfunding platform aimed at helping students raise funds for higher education. Founded in 2016, PeduL's platform enables students to create campaigns to solicit financial support from friends, family, and even strangers. This approach not only alleviates the financial burdens associated with college expenses but also simplifies the scholarship application process by allowing users to apply for local and national scholarships using a single, universal application. By providing these resources, PeduL seeks to make education more accessible and empower students in their pursuit of higher education.

Avenue is an online financial platform designed to facilitate access to the U.S. investment market for all types of investors. By eliminating minimum investment requirements and reducing costs, Avenue aims to create a more inclusive financial environment. The platform offers a straightforward and efficient investment and banking experience, allowing users to engage in international investing with enhanced security, guidance, and comprehensive information. Through its services, Avenue seeks to remove barriers to entry in the American financial system, making it accessible to a broader audience.

Freyda is a technology company that utilizes artificial intelligence to streamline data extraction from documents, specifically targeting the financial services sector. By automating the process of manual data entry, Freyda's platform enhances productivity, allowing users to manage data significantly faster. The company's machine learning algorithms are designed to recognize, extract, and normalize essential information, making it easier for clients to analyze data directly from documents without the need for manual intervention. This innovation not only simplifies workflows but also supports informed decision-making in investment strategies.

Uelz is a company that specializes in automating and routing payment collection for small and medium-sized businesses (SMBs) by integrating with multiple payment gateways. It offers a billing API designed specifically for recurring revenue businesses, enabling clients to manage payments, subscriptions, and customer information from a centralized platform. Uelz provides cloud-based applications and services that facilitate the recording, control, and analysis of customer and sales data, allowing businesses to streamline their operations and reconcile income efficiently. This comprehensive solution supports SMBs in operating globally while optimizing their online business management.

HygiaBank provides banking solutions for the healthcare sector.

Debitto is an online platform that offers small and medium-sized entrepreneurs a high-tech service for debt collection in arrears. Its platform has been developed to add state-of-the-art technology and infrastructure, with a simplified registration, modern service solution and experienced and specialized support team in the market. It aims together the resources and tools that are available to large companies also for small and medium businesses and ventures.

DataRisk is an online predictive modeling platform focused on credit, collection, and fraud serving mainly financial institutions. The company uses tools to deliver a complete, scalable web solution. A model available for shoring is possible in a few hours. It also develops a SaaS solution that makes data science reachable to any company without a data scientist. It enables the development and automatic updating of machine learning models for applications such as credit, marketing, and fraud prevention. The products are created to extract information and generate a predictive model. DataRisk was founded on 2015 and is headquartered in Florianópolis, Brazil.

Grão Direto LTDA operates a digital trading platform that facilitates the buying and selling of grains, connecting farmers and grain buyers in a more efficient manner. Founded in 2016 and based in Uberaba, Brazil, the platform enables users to negotiate and finalize deals for spot, future, or barter trades. It enhances market intelligence, allowing producers and buyers to make informed decisions regarding pricing and grain selection. Additionally, Grão Direto supports various processes related to grain trading, including logistics, contract management, and financial products. The platform is accessible via both a web interface and a smartphone application, catering to a diverse range of users, including cooperatives, trading companies, traditional brokers, and warehouses. By integrating technology into grain commercialization, Grão Direto aims to modernize the agricultural commodity chain in Brazil and beyond.

Magnetis Consultoria De Investimentos LTDA. operates an investment platform that focuses on financial planning and wealth management. Founded in 2012 and based in São Paulo, Brazil, the company provides digital solutions to help individuals develop long-term investment strategies. Through the use of sophisticated algorithms, Magnetis manages diversified, low-cost portfolios tailored to each investor's profile. Clients can invest directly online, allowing them to monitor their assets while the company ensures their investment plans remain aligned with their financial goals. In addition to investment management, Magnetis offers consultation services for property purchases, retirement planning, and other financial needs, making it a comprehensive resource for personal financial growth.

Warren Investimentos is an investment brokerage and wealth management firm based in Brazil, known for pioneering the goal-based investment model previously utilized by ultra-high-net-worth individuals abroad. The firm offers a comprehensive and tailored experience that aligns with the specific life stages and objectives of each investor. By leveraging its innovative wealth management platform, Warren Investimentos assists clients in creating investment goals and analyzing results, while ensuring a conflict-free environment for investment decisions. This approach not only enhances client experience but also enables users to efficiently track their investments and visualize product profitability, reinforcing Warren Investimentos' commitment to safeguarding clients' interests in a transparent manner.

Cora is a digital bank based in São Paulo, Brazil, focused on serving self-employed individuals and small to medium-sized enterprises (SMEs). The company is currently in closed beta, preparing to launch its first product, a free mobile account tailored exclusively for SMEs. Cora aims to streamline financial processes by offering a modern platform that reduces bureaucracy and simplifies day-to-day financial tasks for entrepreneurs. In addition to the mobile account, Cora plans to introduce a range of payment solutions, credit products, and financial management tools, all designed to support the unique needs of small businesses. Founded by Igor Senra Magalhães and Leonardo Soares Barbosa Mendes, Cora seeks to enhance the financial landscape for SMEs in Brazil.

Remessa Online is a Brazilian-based platform that specializes in foreign exchange and international money transfer services. Founded in 2016 and headquartered in São Paulo, the company caters to both individuals and businesses, enabling them to conduct incoming and outgoing wire transfers to and from over 100 countries. With a commitment to simplifying cross-border transactions, Remessa Online utilizes proprietary technology to streamline the money transfer process, offering fees significantly lower than traditional local solutions. Since its inception, the platform has served over 300,000 customers, focusing on enhancing the experience of global citizens and businesses while addressing their international financial needs.

FreeNFe helps to issue an NFe electronic invoice on the free issuer, issue an NFe in seconds, and also issue an NFCe consumer invoice. This platform allows to issue invoices online from anywhere.

Freeman Capital is an investment advisory firm that focuses on managing wealth and creating risk-free portfolios for its clients. The company has developed an artificial intelligence-based platform that identifies and capitalizes on opportunities in the foreign exchange market. This technology allows for the creation and automation of customized financial programs that include loss protection features. By leveraging this platform, Freeman Capital aims to help both seasoned investors and beginners learn about currency trading opportunities and invest in profitable portfolios while minimizing capital risks. The firm is dedicated to promoting diversified investments that cater to a diverse clientele.

Shared Harvest Fund, an innovative fintech platform, offers a more meaningful side hustle for students and professionals to volunteer in order to pay down student loan debt. We offer managed corporate student loan repayment solutions and CSR programming tied to creating social impact.

Qoins is a financial wellness app that helps consumers achieve their financial goals by combining financial education and automation. Qoins develops an automated micro-payment platform created to pay off debt early with the spare change from bank transactions. The platform uses round-up technology on daily credit card purchases and calculates spare change from the previous month and makes an additional payment to users' student loans or credit cards, enabling them to save money and get more purchasing power in the future.

Pravaler S.A. is a financial services company based in São Paulo, Brazil, specializing in the private education sector. Established in 2001, it offers a range of solutions including educational loans for undergraduate, graduate, and distance learning programs. Pravaler's digital platform assists students who are behind on payments, allowing them to catch up and enroll without incurring additional fees. Graduates can also renegotiate outstanding debts through a service called Desenrola, available at partner institutions. Additionally, the company provides consultancy services, manages investment funds, and oversees accounts payable and receivable related to educational credits. Through its various offerings, Pravaler aims to facilitate access to education and support students in managing their financial obligations.

Yubb is a search engine focused on helping users discover profitable investment opportunities in Brazil. The platform allows users to input their investment amount and desired redemption duration, resulting in a curated list of investment options, including investment funds, fixed income, and variable income products. By utilizing this tool, clients can enhance their investment predictability and aim for returns that surpass inflation.

Toro Investimentos is a fintech investment company that specializes in helping clients identify and capitalize on market opportunities. It offers a user-friendly online platform that facilitates the trading of securities, allowing investors to engage in the market efficiently and securely. By providing brokerage services with zero brokerage fees, Toro Investimentos aims to empower individuals to achieve financial freedom through informed investment choices. The company focuses on delivering accessible investment solutions tailored to meet the needs of its clients.

Listed as one of the best travel startups worldwide to watch in 2020 https://www.phocuswire.com/Hotailors-hot-25-startups-2020. Hotailors manage business travels 10 x faster. An enterprise solution that grants access to the best real-time offers from 2.000.000+ hotels and 700+ airlines, trains, buses, taxis, insurance worldwide. Thanks to our solution you can plan, book & expense business trips in less than 5 minutes. Accordingly to your travel policy, budget limits and cashless for your employees. With our reporting, integrations and real-time analytics, you can easily control your travel policy, reduce spendings and increase the efficiency of your company. We are glad to mention some of our awards: Innovative Startup at Google, Best B2B Travel Tech Award Poland, Finalist Travel Tech Con USA and others. Also meet our partners: Amadeus, Microsoft, Google Campus Warsaw, Kiwi.com, EY, Mastercard etc.

Agryo Inc. is a company specializing in artificial intelligence and blockchain technology to create a lending ecosystem tailored for farmers and individuals. Based in Brasília, Brazil, Agryo offers a peer-to-peer and marketplace lending platform that provides essential financial services, including credit assessments, risk evaluations, and contract monitoring through smart contracts. The company's infrastructure supports agribusiness by delivering services such as ratings, lending, insurance, price protection, savings accounts, and trade contracts. Additionally, Agryo provides global risk intelligence, enabling financial institutions to assess and manage risks at the crop field level for agriculture insurance, credit, trade finance, and environmental services. Established in 2018, the company focuses on improving the scoring and monitoring of financial services to help institutions automate and digitize their operations effectively.

REBEL is a data, tech and analytics-driven online platform led by technology and finance entrepreneurs. Founded in 2016, REBEL offers its customers fast, easy and trust-worthy credit of up to 50,000 reais for up to 24 months at interest rates as low as 2.9% per month. In addition, REBEL offers consumers free access to its proprietary REBEL Score, a credit score designed to transparently explain an individual’s credit profile and to suggest actionable steps to improve financial health.

SmarttBot provides a platform and robots for automated investment on the Brazilian stock exchange. SmarttBot is a platform for traders to operate in the bag in an automated way. The investor configures his strategy in our robots (algorithm online), that send the orders directly to the main brokers of the country.

Firgun is a fintech company focused on providing digital financial services aimed at promoting financial inclusion through microcredit. It targets individuals with limited or no credit history and those lacking access to traditional banking systems. The company collaborates with governments, NGOs, and businesses to develop projects that support Environmental, Social, and Governance (ESG) initiatives, ultimately seeking to alleviate poverty. Firgun utilizes a psychometric credit scoring methodology powered by artificial intelligence and machine learning to assess individuals' financial behaviors and payment intentions. This innovative approach helps create tailored microcredit solutions while enabling investors to earn income through interest.

Beaver is an online real estate opportunity platform that wants to simplify access and participation to the real estate market through the use of technology. Our goal is to connect interested in participating in the real estate market to companies that are developers of real estate projects. Through the Beaver platform, institutional and qualified investors can participate in the opportunities available in a private and secure environment. Real estate developers who are seeking features can create an account and submit an online application with their resource demands, which undergo a verification and due diligence process, before being made available in a restricted manner.

Nagro is a fintech platform that connects farmers in Brazil to various credit sources, addressing the challenges they face in obtaining financing for agribusiness. The Brazilian agricultural sector relies heavily on credit, primarily from government sources, which are currently experiencing significant challenges. Farmers often encounter delays in credit approval, with only 70% of applications being fulfilled, and these processes can take over six months, hindering timely production. Nagro streamlines this process by using machine learning and data analysis to match farmers with suitable credit options based on their specific needs and circumstances. Their infrastructure allows for an intuitive registration process, gathering relevant information about farmers and their activities. Additionally, Nagro offers customized credit analyses and business information reports to credit sources, enhancing decision-making and improving satisfaction for both farmers and lenders. By simplifying and accelerating the agribusiness credit process, Nagro provides a viable alternative to the bureaucratic hurdles often associated with government financing.

TerraMagna is a digital lender based in Brazil, specializing in the agricultural sector of Latin America. The company offers a range of financial products tailored to meet the specific needs of farmers and agricultural businesses. These products include personal loans, CFB lending, embedded buy now pay later (BNPL) options for agricultural inputs, and crop-collateralized financing, all accessible through a user-friendly web interface. By addressing the unique challenges and opportunities within agriculture, TerraMagna aims to enhance the resilience of the agricultural value chain and promote sustainable food security.

Our mission is to become the most valuable knowledge backbone of our clients' organization, so they can make informed and timely business decisions with confidence. OpenRisk offers an INTERCONNECTED INSIGHTS platform that harvests, manages, connects, and analyzes a financial institution’s unstructured and structured data including contracts, commitments, communications, and events — resulting in more efficient and streamlined business processes, improved operational and financial risk management, and the identification of new revenue opportunities for our clients. OpenRisk platform is built on a unique combination of Semantic Web, Natural Language Processing, Machine Learning, and Distributed Ledger Technologies. Our self-service driven adaptable platform can accelerate an organization’s unique needs or solve business critical problems right out of the box. All of our clients realize immediate value by adopting OpenRisk’s template-free, state-of-the-art semantic machine reading comprehension approach to not only extract and harvest legal clauses, facts, and rules but also in transforming linguistic rules to mathematical expressions. Strategically, some of clients derive an exponentially higher value by combining information from unstructured data with related structured data to get a complete and accurate analysis of hidden risks and untapped opportunities. With a clear vision, authoritative & leading expertise in the financial services sector, and hunger to change the world, we are on a journey to create a more financially responsible society through better informed decision making.

Kredytmarket is an online financial platform that specializes in providing short-term loans to small businesses. The platform aims to streamline the loan application process, offering credit options for entrepreneurs with terms typically lasting six months. Borrowers can utilize the funds for various purposes, and the repayment of the principal is structured to occur at the end of the loan term. Kredytmarket's offerings include a range of loan amounts and flexible repayment options, making it easier for small businesses to access working capital quickly and efficiently.

Bnext is a fintech platform based in Madrid, Spain, that functions as a supermarket for financial products. It offers users the ability to create a current account quickly, providing nearly all the functionalities of a traditional bank without the need to engage with one. Users can consolidate their financial information by linking external accounts on the platform. The core innovation of Bnext is its Marketplace, where users can explore a diverse range of financial products from various fintechs and banks, all selected to meet their specific needs. This platform allows users to purchase and manage these products seamlessly within the app, without incurring excessive fees. Rather than focusing on selling numerous products, Bnext collaborates with fintechs to present the best available offers, encompassing services such as real estate investments, mutual funds, loans, and crowdfunding. By progressively integrating leading market products, Bnext aims to redefine banking by becoming a comprehensive financial service provider without the limitations of a traditional bank.

"WealthKernel is the Amazon Web Services of savings, investment and pension infrastructure, for business using the platform it is like plugging into the central power grid instead of producing their own power."

Fintellect is a financial tool tailored for project-based firms. By integrating with banking, project management, and CRM platforms, it offers clear insights into team economics, hourly rates, and project profitability, all presented in our sleek, user-friendly interface