Bossa Invest

Hiperbanco is a Fintech company specializing in providing a wide range of financial services, notably its "Banco Digital Whitelabel" product. It caters to businesses across various sectors, offering tailored and flexible financial solutions under their clients' brands, including accounts, PIX, TED, boleto, recargas, cartão, and loans. Hiperbanco stands out for its customer-centric approach, co-creating unique financial products and leveraging advanced technologies.

AmFi operates a decentralized lending platform that empowers users to create and manage custom asset pools based on their specific preferences, including maximum concentration, interest rates, and supported asset categories. This platform enables investors to explore diverse investment products, fostering real-world financial alternatives powered by blockchain technology.

Kredivo is a leading digital financial services provider based in Jakarta, Indonesia, founded in 2016 by Akshay Garg. It offers a modern online credit platform that enables customers to access instant credit for e-commerce and offline purchases, as well as personal loans. Kredivo's innovative API allows businesses to integrate its payment options seamlessly, offering customers flexible financing solutions such as 30-day payment plans and installment options. The platform emphasizes real-time decision-making to ensure a straightforward and transparent credit experience, catering to a wide range of consumers and enhancing their shopping capabilities. Additionally, Kredivo operates in key Southeast Asian markets, solidifying its position as a prominent player in the region's digital credit landscape.

Tutu Digital is a financial services technology firm that specializes in marketplace lending and peer-to-peer lending solutions. It focuses on providing business loans to micro and small enterprises, facilitating access to financial support for those looking to invest. The company aims to enhance the efficiency of financial markets and their systems through innovative technologies. Tutu Digital addresses customer inquiries through various channels, including phone, email, and online applications, ensuring comprehensive support for its clients in the fintech space.

Moniepoint is a financial technology company that offers a comprehensive digital banking and payment ecosystem tailored for small and medium-sized businesses. The platform provides a range of services, including payment processing, credit access, and business management tools. Moniepoint enables businesses to create accounts and accept payments through various offline and online channels, facilitating efficient financial management. By integrating banking solutions with essential business tools, Moniepoint supports organizations in managing their finances and accessing the resources necessary for growth.

Klar is a digital financial platform focused on providing deposit and credit services to customers in Mexico. The company operates as a challenger bank, offering instant credit, as well as cashback and withdrawal services without commissions, through its card and mobile application. By leveraging technology, Klar aims to deliver secure and cost-effective alternatives to traditional credit and debt services, catering to the evolving needs of its users.

NymCard is a payment processing platform founded in 2016, operating from Abu Dhabi, United Arab Emirates, with a focus on enhancing the digital payment landscape in Africa and the Middle East. The company specializes in providing an issuer processor solution that allows banks and financial institutions to offer innovative digital payment products, including plastic, virtual, and tokenized cards. NymCard's advanced infrastructure and user-friendly mobile wallet solutions facilitate quick account setup and immediate access to smart payment cards, promoting efficient and secure online transactions. By leveraging open APIs and mobile SDKs, NymCard aims to address the low penetration of payment cards in these regions, thereby driving greater participation in the digital economy.

R5 is a company based in Colombia that simplifies vehicle ownership for its customers. It operates an online platform designed to facilitate financing through the use of assets like cars and motorcycles as collateral. The platform caters primarily to low-income individuals, allowing them to refinance high-interest debt or secure funds for business investments. Additionally, R5 offers a digital solution for purchasing compulsory vehicle insurance at affordable rates, enabling customers to leverage their vehicles to access credit options with lower interest rates. This approach aims to make financial services more accessible and manageable for its users.

Wayflyer is a Dublin-based revenue-based financing platform specifically designed for e-commerce brands. The company offers fast and affordable funding solutions to facilitate business growth while simplifying the financing process. In addition to funding, Wayflyer provides an analytics platform that leverages a daily underwriting engine to assess marketing performance. This enables e-commerce businesses to receive detailed insights and recommendations aimed at optimizing their campaign budgets and enhancing overall performance. By combining financial support with actionable marketing analytics, Wayflyer aims to empower e-commerce brands to achieve sustainable growth.

Erithmitic operates a non-bank lending platform that offers reliable and competitive institutional financing to borrowers and brokers. By utilizing proprietary data and advanced software, the company delivers customized debt financing solutions across various asset types. Its platform integrates data, technology, and institutional lending support to streamline the borrowing process. This approach allows Erithmitic to engage experienced originators, underwriters, engineers, and data scientists, facilitating efficient execution of lending and borrowing transactions.

Solfácil is a company that supports solar installers by providing an ecosystem of financial services, equipment sourcing, and technology solutions. Their platform offers professional tools designed to facilitate the closing of deals and investment in solar power systems. This enables customers to access credit lines for solar installations without requiring upfront investments, thereby promoting the adoption of solar energy.

Guiabolso is a Brazilian fintech company founded in 2014 by Thiago Alvarez and Benjamin Gleason, aimed at transforming the financial landscape through innovative technology and Open Banking solutions. With a user base of 6 million, Guiabolso offers an application that consolidates financial management, automates budgeting, and provides a curated marketplace for financial products. The platform enhances users' financial well-being by facilitating informed choices through unique segmenting and scoring capabilities. Additionally, Guiabolso stands out as the only company in Brazil with a fully operational end-to-end Open Banking solution tailored for B2B clients, offering advanced analytics and personal financial management features. By leveraging open data access, Guiabolso seeks to improve the financial lives of consumers and provide valuable insights to its corporate partners.

Divibank is a financing platform that provides businesses with access to growth capital through innovative financial services software. The platform facilitates connections to accredited financial institutions, offering credit solutions that align repayment with revenue performance, thereby preserving cash flow for users. By leveraging data from digital marketing campaigns, Divibank aims to enhance sales volume while ensuring effective campaign performance. This approach empowers entrepreneurs to expand their sales operations and acquire new customers efficiently.

SellersFi is a financial technology company that specializes in providing funding and financial solutions for online marketplace sellers. Founded in 2017 and headquartered in New York, the company has developed a platform that offers automated working capital tailored specifically for e-commerce entrepreneurs. Utilizing machine-learning models, SellersFi analyzes data generated from the business activities of online sellers, enabling them to gain access to growth capital and actionable insights. This approach not only facilitates easy access to funding but also helps improve cash flow and streamline operations for e-commerce businesses.

Alvva is a San Francisco-based startup focused on providing financial products that enhance the upward mobility of noncitizen immigrants in the United States. With over 25 million noncitizen immigrants facing challenges such as unaffordability and limited access to traditional credit, Alvva aims to address these issues directly. The company offers a credit-building loan specifically designed to help cover the costs associated with filing immigration applications. Additionally, Alvva's platform features an electronic check that aligns with USCIS specifications and facilitates payment scheduling in accordance with the payroll cycle, allowing users to manage their immigration expenses while simultaneously building their credit history. The founding team brings extensive experience in mission-driven fintech, having previously worked at organizations like Oportun and Aura Financial, and is committed to helping immigrants achieve their aspirations more efficiently.

One is a financial mobile application headquartered in San Francisco, California, that offers a range of banking and fintech solutions. Founded in 2019, the company focuses on enhancing users' financial capabilities by providing services such as online payments, cash transactions, and digital wallet functionalities. The app is designed to increase users' spending power by optimizing their earnings and helping them achieve financial goals more efficiently. Additionally, One enables users to share money easily with family and friends while promoting faster growth of their finances. Through its innovative offerings, One aims to bridge financial gaps for its users.

IOUU is a fintech company focused on transforming traditional financial services to provide better access to credit for individuals and businesses. The company operates a peer-to-peer lending platform that connects borrowers seeking credit with investors willing to lend, promoting efficiency and transparency in financial transactions. By leveraging innovative technology, including non-traditional data sources and machine learning, IOUU aims to simplify and enhance the borrowing experience, making it faster, cheaper, and more accessible. The company emphasizes financial inclusion and personalized development, striving to build long-term relationships with clients and ensure they receive better credit opportunities. IOUU is committed to ethical practices and seeks to revolutionize the industry by delivering greater value and convenience in digital banking services.

Umba is a digital banking company based in Nairobi, Kenya, founded in 2017. It offers a mobile application that provides a range of financial services, including free bank accounts and the ability to apply for, receive, and repay microloans directly through mobile devices. The platform employs machine learning to assess credit eligibility and create risk scores, which helps optimize risk management for users and financial institutions. By delivering an interconnected ecosystem of financial services, Umba empowers customers in Kenya and Nigeria to gain complete control over their finances in a single app.

Morty, Inc. is an online mortgage broker based in New York, founded in 2015. The company operates a mortgage marketplace that allows homebuyers to shop, compare, and close on various loan products. Its platform efficiently matches available rates and products, giving users access to a wide range of lenders. By utilizing this service, homebuyers can save money on payments and closing costs, making the mortgage process more streamlined and cost-effective.

Moniepoint is a financial technology company that offers a comprehensive digital banking and payment ecosystem tailored for small and medium-sized businesses. The platform provides a range of services, including payment processing, credit access, and business management tools. Moniepoint enables businesses to create accounts and accept payments through various offline and online channels, facilitating efficient financial management. By integrating banking solutions with essential business tools, Moniepoint supports organizations in managing their finances and accessing the resources necessary for growth.

Unit is a financial infrastructure platform that enables technology companies to integrate financial features into their products, including accounts, cards, payments, and lending services. By streamlining the process of launching vertical banks, Unit manages compliance and maintains necessary banking relationships, allowing businesses to create customized banking experiences more efficiently. This capability not only helps companies save time but also enhances their product offerings, ultimately increasing customer lifetime value.

Addi is a technology company specializing in credit and banking solutions, particularly through its point-of-sale lending application. This platform enables consumers to apply for credit at the moment of purchase in partner retail stores, facilitating interest-free installment payments. By offering a buy now, pay later option, Addi aims to enhance digital commerce and provide borrowers with quick and affordable financing for their shopping needs.

Clearco is an online financial platform focused on providing growth capital to e-commerce and B2B companies. The company leverages proprietary software and data science models to identify high-growth funding opportunities. Clearco offers funding in exchange for a percentage of future revenue, allowing startups to secure the necessary capital for expansion without diluting their equity. This innovative approach enables businesses to access an alternative funding source tailored to their unique growth trajectories.

Lana is a technology company that provides a fintech application aimed at improving access to financial services for individuals in Latin America, specifically in Mexico, Chile, and Peru. The application addresses the needs of gig economy workers and others who have been traditionally excluded from mainstream banking services. It allows users to manage their personal finances more effectively by facilitating secure transactions, including bill payments and money transfers between users. By offering a platform that tailors financial services to the specific requirements of underserved populations, Lana aims to enhance financial inclusion and empower its users with better financial tools.

Credit Dharma is rebranded as Threedots. Credit Dharma democratized the home-financing ecosystem, replacing it with a digitized process that eliminates commissions, fees, unnecessary steps, and time-wasting branch appointments. In addition to providing mortgage rates in seconds, Credit Dharma’s platform offers a digital marketplace featuring competitive quotes from an array of home loan providers for seamless purchase. The company was founded in 2021 by Ex-groww team and is headquartered in Bengaluru, India

SoLo is a New York-based financial technology company established in 2015. It operates a mobile platform that facilitates peer-to-peer lending, connecting individuals with emergency cash needs to those willing to lend. The platform assesses creditworthiness using technology, enabling low-dollar microloans with no interest and flexible terms. Since its launch in 2018, SoLo has processed millions of transactions, aiming to provide an equitable, empowering, and community-driven lending alternative.

Avenify Corporation operates a peer-to-peer lending platform that specializes in income share agreements (ISAs) to finance education, particularly for nursing students. Founded in 2018 and headquartered in Reston, Virginia, Avenify simplifies the process of obtaining funding for tuition by connecting students with investors. Through its platform, the company provides transparent financing options that enable students to pay a percentage of their future income in exchange for educational funding. In addition to financial support, Avenify assists graduates in securing employment, thereby enhancing their overall educational experience and future career prospects.

Stilt Inc. is a financial technology company based in San Francisco, California, founded in 2015. It specializes in providing collateral-free personal loans to international students, graduates, and other underserved individuals, including immigrants and visa holders, who often lack a credit history in the United States. Stilt's lending platform utilizes both proprietary and public data sources to assess the creditworthiness of these individuals, allowing the company to offer short-term loans at lower interest rates. By doing so, Stilt enables immigrants to access capital and build their credit, addressing a significant gap in the traditional lending market.

BukuKas is a neo-banking venture focused on integrating unbanked individuals in Southeast Asia into the financial ecosystem. Initially launched in Indonesia, the BukuKas app aims to support micro and small enterprises by digitizing traditional bookkeeping methods. The application allows business owners to easily record sales, expenses, and cash transactions using their smartphones. By simplifying cash management, BukuKas helps these enterprises enhance their profitability. Additionally, the app offers features such as transaction management, money transfer without bank fees, performance monitoring, automatic financial report generation, and stock management. Through these services, BukuKas seeks to improve cash flow management for small businesses in the region.

Prospa Advance Pty Ltd. is an Australian company that specializes in providing business lending solutions to small and medium enterprises. Incorporated in 2011 and headquartered in Sydney, Prospa offers unsecured loans tailored for various business needs, including working capital, inventory, equipment, renovations, and marketing expenses. The company also provides merchant cash advances that allow businesses to convert future credit and debit card receivables into immediate cash. Utilizing a proprietary technology platform, Prospa ensures a straightforward online application process, making it easier for business owners to access financing. The company has gained recognition for its rapid growth, having won awards such as the Deloitte Tech Fast 50 and being a finalist in the Telstra Business Awards. Prospa's technological innovations enhance customer experience and streamline credit decision-making, making it a prominent player in the Australian fintech landscape.

TradeUP is a broker-dealer that offers trading and brokerage services. It is registered with the SEC and is a member of FINRA and SIPC. The company provides a feature-rich mobile trading application designed for investors to access equity markets and build global investment portfolios. The application is designed to empower self-directed investors with the necessary tools to manage their portfolios while offering extremely low commission rates. TradeUP also offers the ability to trade commission-free stocks, ETFs, and options.

Noah is a finance company that offers homeowners a unique way to access their home equity without incurring new monthly payments or interest. By providing upfront financing in exchange for a share of the future appreciation or depreciation of a property, Noah enables homeowners in select metropolitan areas across the United States to achieve their financial goals. This innovative approach allows customers to pay off debts, fund college tuition, or finance home renovations and healthcare expenses, thereby redefining the concept of home ownership.

Solid Financial Technologies, Inc. is a San Mateo, California-based company that specializes in providing a modern banking platform designed for small businesses and e-commerce platforms. Founded in 2018, Solid enables these businesses to offer banking services directly to their customers through an integrated suite of fintech solutions. The platform allows users to quickly create bank accounts and payment cards, facilitating the embedding of banking services within various applications and marketplaces. By offering a fully managed infrastructure, Solid supports companies in launching compliant and user-friendly fintech products, enhancing their overall business management capabilities.

Possible Finance is a consumer finance company dedicated to providing access to capital while promoting long-term financial health. The company aims to assist communities in breaking the debt cycle and fostering economic mobility across generations. It has developed a mobile-only loan application that offers flexible short-term financing options, enabling borrowers to repay loans over time. The platform is designed to be simple and affordable, akin to traditional payday loans, but without requiring a credit check. Additionally, it allows for longer repayment schedules through multiple installments, making it easier for borrowers to manage their finances responsibly.

BloomCredit is a fintech platform focused on enhancing the financial eligibility of individuals who have been declined for lending products. Founded in 2016 and based in New York, the company employs a data-driven approach to provide actionable insights and guidance. By collaborating directly with lenders, BloomCredit conducts consumer credit analysis and ongoing credit monitoring, notifying lenders when applicants meet eligibility criteria. This process not only helps consumers improve their financial health but also increases their chances of securing loans. Additionally, BloomCredit offers advanced developer-friendly API solutions that promote and monitor credit health, fostering trust between consumers and financial institutions.

Unit is a financial infrastructure platform that enables technology companies to integrate financial features into their products, including accounts, cards, payments, and lending services. By streamlining the process of launching vertical banks, Unit manages compliance and maintains necessary banking relationships, allowing businesses to create customized banking experiences more efficiently. This capability not only helps companies save time but also enhances their product offerings, ultimately increasing customer lifetime value.

Neon is a Brazilian fintech company founded in 2016, offering a digital banking platform and bill payment services. With over 15 million customers and 1,600 employees, Neon provides a range of products including debit and credit cards without annual fees, personal loans, investments in CDB and CDI, cashback on debit transactions, and various payment methods. Notably, Neon For Life, an AI-driven platform, enables consumers to pay bills like rent and utilities on flexible terms, without traditional credit pitfalls. The company aims to provide accessible, abusive-fee-free financial services to Brazilian workers and micro-entrepreneurs, with a focus on simplicity and convenience.

Morty, Inc. is an online mortgage broker based in New York, founded in 2015. The company operates a mortgage marketplace that allows homebuyers to shop, compare, and close on various loan products. Its platform efficiently matches available rates and products, giving users access to a wide range of lenders. By utilizing this service, homebuyers can save money on payments and closing costs, making the mortgage process more streamlined and cost-effective.

Fondeadora is a digital banking service founded in 2018 and headquartered in Mexico City, Mexico. The company aims to address the inefficiencies of traditional banking by offering a free debit card linked to a user-friendly mobile app. This platform allows users to pay, store, and manage their money without the complications often associated with conventional banking systems. In addition to basic banking functions, Fondeadora operates as a crowdfunding platform, enabling customers and businesses to monitor their expenses, receive immediate notifications, and raise funds securely. This innovative approach enhances financial management for its users while eliminating unnecessary fees and paperwork.

Fold, Inc. operates a platform that allows users to earn bitcoin cashback while shopping at various retailers using their credit or debit cards. Founded in 2014 and based in San Francisco, the company provides a digital gift card system where users can sync their payment methods or transfer bitcoin from their wallets to receive instant cashback in bitcoin. The platform also facilitates the purchase and management of bitcoin and dollars, enabling users to enhance their financial returns through eligible purchases. Additionally, premium members benefit from a no-fee transaction experience, making it an attractive option for those actively engaged in cryptocurrency. Fold's innovative approach allows customers to utilize retail store gift cards for cryptocurrency transactions, bridging the gap between traditional shopping and the digital currency ecosystem.

Funding Societies, established in 2015 and headquartered in Singapore, operates a digital financing platform that connects small and medium-sized enterprises (SMEs) with investors. The company facilitates business loans, focusing on quick and efficient financing solutions, often bypassing traditional banking methods. It offers a range of flexible financing options, including micro and term loans, and invoice financing, using advanced credit scoring and risk assessment models. With operations across Southeast Asia, including Singapore, Malaysia, Indonesia, and Thailand, Funding Societies caters to SMEs seeking accessible and timely financing.

Prospa Advance Pty Ltd. is an Australian company that specializes in providing business lending solutions to small and medium enterprises. Incorporated in 2011 and headquartered in Sydney, Prospa offers unsecured loans tailored for various business needs, including working capital, inventory, equipment, renovations, and marketing expenses. The company also provides merchant cash advances that allow businesses to convert future credit and debit card receivables into immediate cash. Utilizing a proprietary technology platform, Prospa ensures a straightforward online application process, making it easier for business owners to access financing. The company has gained recognition for its rapid growth, having won awards such as the Deloitte Tech Fast 50 and being a finalist in the Telstra Business Awards. Prospa's technological innovations enhance customer experience and streamline credit decision-making, making it a prominent player in the Australian fintech landscape.

Clearco is an online financial platform focused on providing growth capital to e-commerce and B2B companies. The company leverages proprietary software and data science models to identify high-growth funding opportunities. Clearco offers funding in exchange for a percentage of future revenue, allowing startups to secure the necessary capital for expansion without diluting their equity. This innovative approach enables businesses to access an alternative funding source tailored to their unique growth trajectories.

About Orchard Orchard Platform has built a centralized marketplace where loan originators and institutional investors can come together to explore and evaluate opportunities for funding, buying, and selling loans. By providing a global network of institutional buyers and sellers with high-quality data services, advanced analytics and reporting, and robust capital management tools through an innovative, end-to-end platform, Orchard has created a smarter way for participants in the private credit markets to interact, evaluate deals, and move forward with simple and complex transactions more efficiently. Orchard Platform does not provide legal advice, tax advice, or accounting advice. Before making any investment or executing any transaction, you should consult with your legal, tax, and accounting advisors with respect to the suitability, value, and risk of such investment or transaction. Investment advisory services are provided to clients by Orchard Platform Advisors, LLC, an SEC-registered investment adviser headquartered in New York, N.Y. Orchard produces the Orchard U.S. Consumer Marketplace Lending Index—the only industry-wide direct lending performance benchmark—and has been named one of the Next Billion Dollar Startups by Forbes. The commentary and insights posted on its blog, and the data and research available to everyone on its platform, have cemented Orchard as a thought leader in its industry. For more information, visit www.orchardplatform.com. About Orchard Platform Markets, LLC Orchard Platform Markets, LLC is a wholly-owned subsidiary of Orchard App Inc., and is an SEC-registered broker-dealer and member of FINRA and SIPC. The mission of Orchard Platform Markets, LLC is to provide a transparent, technologically optimized platform for loan originators and institutional investors to safely and securely connect, evaluate potential deals, and move forward with multiple types of transactions. For more information, visit www.orchardplatformmarkets.com.

Stilt Inc. is a financial technology company based in San Francisco, California, founded in 2015. It specializes in providing collateral-free personal loans to international students, graduates, and other underserved individuals, including immigrants and visa holders, who often lack a credit history in the United States. Stilt's lending platform utilizes both proprietary and public data sources to assess the creditworthiness of these individuals, allowing the company to offer short-term loans at lower interest rates. By doing so, Stilt enables immigrants to access capital and build their credit, addressing a significant gap in the traditional lending market.

Nira is a company focused on promoting financial inclusion by developing a digital credit application that offers consumers access to small loans. The platform simplifies the borrowing process by allowing users to upload necessary documents and select their desired loan amount. With the capability to provide an immediate decision within three minutes, Nira enables individuals to quickly obtain the funds they need, thereby empowering them to make informed financial choices and enjoy greater freedom in their lives.

Conductiv provides an artificial intelligence-based lending platform that enhances approval rates for credit unions, banks, and fintech lenders without introducing additional risk. By utilizing alternative data beyond traditional FICO and bureau scores, Conductiv enables lenders to make more informed lending decisions. The platform streamlines the data collection process through a user-friendly interface and integrates with a single API to access a wide range of alternative data points. This approach not only simplifies the lending process but also leverages machine learning to continually improve loan approval and funding rates, allowing lenders to issue more loans efficiently and accelerate the digitization of their operations.

One is a financial mobile application headquartered in San Francisco, California, that offers a range of banking and fintech solutions. Founded in 2019, the company focuses on enhancing users' financial capabilities by providing services such as online payments, cash transactions, and digital wallet functionalities. The app is designed to increase users' spending power by optimizing their earnings and helping them achieve financial goals more efficiently. Additionally, One enables users to share money easily with family and friends while promoting faster growth of their finances. Through its innovative offerings, One aims to bridge financial gaps for its users.

IOUU is a fintech company focused on transforming traditional financial services to provide better access to credit for individuals and businesses. The company operates a peer-to-peer lending platform that connects borrowers seeking credit with investors willing to lend, promoting efficiency and transparency in financial transactions. By leveraging innovative technology, including non-traditional data sources and machine learning, IOUU aims to simplify and enhance the borrowing experience, making it faster, cheaper, and more accessible. The company emphasizes financial inclusion and personalized development, striving to build long-term relationships with clients and ensure they receive better credit opportunities. IOUU is committed to ethical practices and seeks to revolutionize the industry by delivering greater value and convenience in digital banking services.

Acordo Online operates an online agreement platform aimed at enhancing credit recovery processes. It provides end customers with convenient options to settle their debts while offering creditors and collection companies tools designed to streamline operations and reduce costs. The platform focuses on improving the overall experience for debtors as they work towards resolving their financial obligations, thereby strengthening the relationship between creditors and customers. Through its innovative solutions, Acordo Online seeks to facilitate effective debt collection and foster better communication between all parties involved.

Ualá is a financial technology company that offers a digital banking application aimed at democratizing access to financial services. The platform provides a comprehensive financial ecosystem, allowing users to manage payments, request loans, and invest in various financial products. Ualá's services include a prepaid Mastercard and savings accounts, which enhance financial inclusion by enabling users to make secure purchases and transfer money instantly through a traditional transactional payment network. The company's mission is to empower individuals by offering accessible financial solutions.

Solfácil is a company that supports solar installers by providing an ecosystem of financial services, equipment sourcing, and technology solutions. Their platform offers professional tools designed to facilitate the closing of deals and investment in solar power systems. This enables customers to access credit lines for solar installations without requiring upfront investments, thereby promoting the adoption of solar energy.

Instadapp is a decentralized finance (DeFi) platform that aims to simplify interactions with various finance protocols. Founded in 2018 and based in Hyderabad, India, the company operates an autonomous banking portal and mobile application that offers services such as lending, borrowing, leveraging, and swapping assets. Instadapp enables users to manage multiple DeFi applications efficiently, maximizing returns while tracking and analyzing their blockchain-based assets and financial positions. Additionally, the platform provides developers with the tools to create custom use cases, allowing them to monetize their models and enhance user experience with reliable solutions.

Nira is a company focused on promoting financial inclusion by developing a digital credit application that offers consumers access to small loans. The platform simplifies the borrowing process by allowing users to upload necessary documents and select their desired loan amount. With the capability to provide an immediate decision within three minutes, Nira enables individuals to quickly obtain the funds they need, thereby empowering them to make informed financial choices and enjoy greater freedom in their lives.

FalconX, Ltd. is a cryptocurrency brokerage and digital asset trading platform founded in 2018 and based in San Mateo, California. The company specializes in blockchain technology and fintech, offering clients access to cryptocurrency markets for trading, credit, and clearing. FalconX utilizes data science and machine learning to ensure reliable execution of mid-to-large size trades, smart routing prices across multiple liquidity sources. This approach helps eliminate slippage and hidden fees, making it an attractive option for hedge funds, proprietary trading firms, and other institutional clients seeking efficient and cost-effective trading solutions.

IOUU is a fintech company focused on transforming traditional financial services to provide better access to credit for individuals and businesses. The company operates a peer-to-peer lending platform that connects borrowers seeking credit with investors willing to lend, promoting efficiency and transparency in financial transactions. By leveraging innovative technology, including non-traditional data sources and machine learning, IOUU aims to simplify and enhance the borrowing experience, making it faster, cheaper, and more accessible. The company emphasizes financial inclusion and personalized development, striving to build long-term relationships with clients and ensure they receive better credit opportunities. IOUU is committed to ethical practices and seeks to revolutionize the industry by delivering greater value and convenience in digital banking services.

Banfox is a Brazilian financial technology company that specializes in invoice financing to support small and medium enterprises. Since its establishment in 2015, Banfox has facilitated over $10 million in working capital through traditional factoring methods. The company's platform enables businesses to quickly access funds by anticipating receivables on invoices for delivered products, offering transparent rates without penalties or default interest. By leveraging technology, Banfox aims to streamline the funding process, ensuring that business owners have convenient access to the capital they need for their everyday financial requirements.

Bom Pra Crédito a Brazilian website that provides online credit products for the general population, as well as qualified applicants for our financial Institution partners.

Investree is a B2B marketplace lending platform based in Indonesia, licensed by the Financial Services Authority (OJK) for both conventional and Shariah-compliant financing. Established in October 2015, the company has expanded its regional presence to Thailand and plans to enter the Philippines. Investree's mission is to leverage technology and data to provide small and medium enterprises (SMEs) with access to working capital from retail and institutional lenders. The platform employs a B2B acquisition model to attract SME borrowers through strategic partnerships with e-procurement platforms and payment gateway providers, enhancing verification processes and reducing acquisition costs. Led by a team of seasoned professionals, Investree has successfully facilitated over USD 230 million in funding since its inception, serving more than 1,000 SMEs while maintaining a strong asset quality.

A Fina nasceu para facilitar a vida do pequeno empresário e profissional autônomo que necessita de crédito rápido, simples e seguro.

ByeBnk Holding S/A is a financial technology company based in Belo Horizonte, Brazil, with an additional office in São Paulo. Founded in 2015, ByeBnk provides a range of financial solutions utilizing blockchain technology. Its flagship product, the ByeBnk app, serves as a digital wallet that allows users to send money, pay bills, exchange currencies and cryptocurrencies, and purchase products and services. The platform is designed to accommodate a diverse clientele, including banks, retailers, service providers, and individual smartphone users. Additionally, ByeBnk offers an investment app that simplifies investing in the U.S. market, enabling users to open an account, transfer funds, and choose from various passive investment portfolios with ease. The company's services aim to streamline financial transactions while ensuring efficiency and transparency in managing assets.

Quotanda is a lending as a service (LaaS) platform that specializes in providing student loan services aimed at democratizing access to education. The company offers a comprehensive online lending platform that enables various organizations, including lenders, educational institutions, and community foundations, to quickly establish affordable education loan programs in any country and currency. Quotanda's technology streamlines the entire lending process, managing all aspects of online lending programs for its partners. This includes program setup, marketing, compliance, credit origination, loan disbursement, and ongoing servicing, such as interest and principal collection, as well as default management. By improving financing options, Quotanda helps students secure loans for their educational pursuits, fostering greater affordability in education.

Creditas is a financial technology company that operates a digital platform that offers secured consumer loans. It uses credit scoring systems and borrowers’ assets, such as homes and automobiles as collateral to offer loans. Sergio Furio founded BankFacil in 2012 that later became Creditas. It has its headquarters in São Paulo in Brazil.

About Orchard Orchard Platform has built a centralized marketplace where loan originators and institutional investors can come together to explore and evaluate opportunities for funding, buying, and selling loans. By providing a global network of institutional buyers and sellers with high-quality data services, advanced analytics and reporting, and robust capital management tools through an innovative, end-to-end platform, Orchard has created a smarter way for participants in the private credit markets to interact, evaluate deals, and move forward with simple and complex transactions more efficiently. Orchard Platform does not provide legal advice, tax advice, or accounting advice. Before making any investment or executing any transaction, you should consult with your legal, tax, and accounting advisors with respect to the suitability, value, and risk of such investment or transaction. Investment advisory services are provided to clients by Orchard Platform Advisors, LLC, an SEC-registered investment adviser headquartered in New York, N.Y. Orchard produces the Orchard U.S. Consumer Marketplace Lending Index—the only industry-wide direct lending performance benchmark—and has been named one of the Next Billion Dollar Startups by Forbes. The commentary and insights posted on its blog, and the data and research available to everyone on its platform, have cemented Orchard as a thought leader in its industry. For more information, visit www.orchardplatform.com. About Orchard Platform Markets, LLC Orchard Platform Markets, LLC is a wholly-owned subsidiary of Orchard App Inc., and is an SEC-registered broker-dealer and member of FINRA and SIPC. The mission of Orchard Platform Markets, LLC is to provide a transparent, technologically optimized platform for loan originators and institutional investors to safely and securely connect, evaluate potential deals, and move forward with multiple types of transactions. For more information, visit www.orchardplatformmarkets.com.

Abra is a cryptocurrency platform established in 2014, designed to provide a straightforward and secure environment for individuals and businesses to buy, trade, and borrow against cryptocurrencies. Based in the United States and operational in over 150 countries, Abra facilitates easy conversion between cryptocurrencies and various local fiat currencies. The platform serves a diverse clientele, including high-net-worth individuals, family offices, registered investment advisors, and institutions, offering customizable services that allow users to manage their crypto portfolios effectively. With over two million customers and $9 billion processed in transactions, Abra has positioned itself as a trusted solution in the cryptocurrency market, earning recognition as one of the top five crypto wallets. The company is supported by prominent investors, reinforcing its commitment to creating an open and accessible global financial system.

Guiabolso is a Brazilian fintech company founded in 2014 by Thiago Alvarez and Benjamin Gleason, aimed at transforming the financial landscape through innovative technology and Open Banking solutions. With a user base of 6 million, Guiabolso offers an application that consolidates financial management, automates budgeting, and provides a curated marketplace for financial products. The platform enhances users' financial well-being by facilitating informed choices through unique segmenting and scoring capabilities. Additionally, Guiabolso stands out as the only company in Brazil with a fully operational end-to-end Open Banking solution tailored for B2B clients, offering advanced analytics and personal financial management features. By leveraging open data access, Guiabolso seeks to improve the financial lives of consumers and provide valuable insights to its corporate partners.

Noverde Tecnologia e Pagamentos S/A is a Brazilian company that specializes in personal loan services and the development of software for credit services. Founded in 2016 and headquartered in São Paulo, Noverde offers a platform that allows individuals to create accounts and share necessary information for loan applications. The company conducts real-time analyses to facilitate secure bank transfers for approved loans, ensuring a streamlined lending process. Noverde prioritizes the privacy of its customers by restricting the sale of personal information to third parties and enables users to track their loan progress directly through its application.

Quotanda is a lending as a service (LaaS) platform that specializes in providing student loan services aimed at democratizing access to education. The company offers a comprehensive online lending platform that enables various organizations, including lenders, educational institutions, and community foundations, to quickly establish affordable education loan programs in any country and currency. Quotanda's technology streamlines the entire lending process, managing all aspects of online lending programs for its partners. This includes program setup, marketing, compliance, credit origination, loan disbursement, and ongoing servicing, such as interest and principal collection, as well as default management. By improving financing options, Quotanda helps students secure loans for their educational pursuits, fostering greater affordability in education.

Bom Pra Crédito a Brazilian website that provides online credit products for the general population, as well as qualified applicants for our financial Institution partners.

First Access is a financial technology company headquartered in New York, founded in 2011. It provides a smart data platform tailored for emerging market financial institutions, particularly micro and small-to-medium enterprise lenders. The company's solutions facilitate the digitization of paper-based operations, enabling institutions to collect and analyze comprehensive data, monitor trends, and automate processes. By leveraging credit scoring expertise, First Access allows lenders to implement incremental changes without disrupting their daily operations. The platform also supports the integration of machine learning insights, enhancing the sophistication of financial institutions in managing data. Ultimately, First Access aims to transform data into financial opportunities, helping lenders worldwide improve their access to credit through user-friendly technology.

HomeCredi is a real estate financing company that specializes in providing loans secured by property. It has developed a platform designed to help borrowers explore various financing options, allowing them to compare different rates and credit conditions. By streamlining the process of finding the most favorable loan terms, HomeCredi aims to save homeowners time, effort, and money. Through its services, the company facilitates access to financing for individuals seeking to invest in real estate.