Clocktower Technology Ventures

Toku operates an online financial platform designed for B2C companies, focusing on the automation of collections and streamlining the payment process. The platform leverages machine learning to optimize the collection of recurring payments, thereby reducing late payments and enhancing operational efficiency. Toku also provides features that allow companies to manage automatic payment methods, including inactivation and deactivation. By facilitating payment orchestration and offering account-to-account payments, Toku aims to lower payment fees and improve the overall financial operations of its clients.

Ume is a credit platform capable of reaching competitive prices and creating an economic environment to make credit simple and democratic.

Grupago is a pioneering financial technology company focused on providing digital microcredit to small and mid-sized businesses (SMBs) in Latin America. The company addresses the challenges faced by micro-SMBs that have limited access to traditional lending options by utilizing artificial intelligence, group collateral, and community distribution methods. Additionally, Grupago operates a payment orchestration platform designed to enhance payment acceptance rates for merchants while simultaneously reducing processing costs. This platform employs AI to automatically retry transactions across various payment providers, ensuring that merchants receive payments from a broader customer base efficiently and cost-effectively. Through these innovative solutions, Grupago aims to empower underserved businesses in the region.

Momento is an insurtech company with the objective of revolutionizing the insurance industry in Latin America, starting with car insurance. We want to make insurance easy and accessible for the underserved population in LATAM.

Kanastra is the tech-driven backoffice for alternative investments. We use technology to serve private credit and private equity investment facilities in a clean, frictionless way.

Constrafor is a SaaS and fintech company focused on enhancing productivity and cost-efficiency in the construction industry. Its cloud-based platform simplifies and standardizes essential back-office tasks for general contractors and subcontractors, including subcontractor procurement, contract management, certificates of insurance, invoicing, and payments. The platform facilitates streamlined interactions among stakeholders, enabling multiple bids on projects and efficient communication with suppliers. Additionally, Constrafor provides subcontractors with receivables financing options, such as an Early Pay Program, which accelerates the invoice payment cycle and increases cash flow, allowing them to take on more projects. Overall, Constrafor aims to transform the construction procurement process, making it more efficient and effective for all parties involved.

Kala is a fintech platform dedicated to enhancing financial inclusion for underbanked individuals in Latin America. It operates through a B2B2C credit model, focusing on providing innovative lending products. The company's initial offering, Pension Deducted Loans, targets the Silver Economy in Colombia, facilitating loan repayments directly from government-backed pension funds. Kala's infrastructure supports a range of lenders, including banks and credit unions, alongside businesses that provide credit programs. By streamlining the lending process into a fully digital experience, Kala aims to improve accessibility to financial services and maximize revenue generation for its partners.

Navro specializes in providing payment and banking infrastructure tailored for software companies. The company has developed a fintech platform that enables brands to scale their payment operations on a global scale. Navro offers a range of services, including customizable checkout solutions, integration of various payment acceptance methods, local fund collection, and real-time payment stack management. This comprehensive approach allows businesses to efficiently manage their payments infrastructure, facilitating international growth and ensuring that companies can receive funds in their preferred methods.

Rosaly is a fintech company founded by Arbia Smiti in late 2019, focused on enhancing the financial well-being of employees through its innovative platform. The company offers a solution that automates advance payment requests, allowing businesses to support their staff without negatively impacting cash flow. In addition to managing payment requests, Rosaly provides a comprehensive financial management tool that includes features for on-demand pay, budget management, and financial education, all accessible via a user-friendly app. By addressing the financial stress faced by employees, Rosaly aims to foster a healthier work environment and improve overall employee satisfaction.

Pomelo provides fintech infrastructure and financial services. The Latin American company develops technological infrastructure for card issuance, processing, and management.

Arc Technologies is a full-service finance platform designed specifically for software startups. It offers a comprehensive digital solution that allows founders to borrow, save, and spend through an integrated cash management and capital markets platform. By partnering with Stripe, Arc provides a unique fintech service that helps startups convert future revenue into immediate capital without equity dilution. The platform equips clients with financial tools to manage their capital effectively, enabling them to leverage insights for efficient growth. Through these services, Arc Technologies aims to support the financial health and expansion of software businesses.

Kanastra is the tech-driven backoffice for alternative investments. We use technology to serve private credit and private equity investment facilities in a clean, frictionless way.

Destaxa is an integrated financial management platform that assists small and medium-sized entrepreneurs in efficiently managing their business transactions. The platform simplifies interactions with credit card machines by auditing transactions, optimizing fees, and recovering amounts due, allowing clients to focus on their core business activities. Destaxa's technology enables merchants to work seamlessly with multiple payment acquirers, providing automatic routing solutions to identify cost-effective payment methods for each transaction. With a commitment to transparency and confidence, the platform eliminates the need for manual processes such as Excel spreadsheets, reducing bureaucracy and uncertainty. Destaxa offers an automatic, practical, and secure solution that is free for its users.

Constrafor is a SaaS and fintech company focused on enhancing productivity and cost-efficiency in the construction industry. Its cloud-based platform simplifies and standardizes essential back-office tasks for general contractors and subcontractors, including subcontractor procurement, contract management, certificates of insurance, invoicing, and payments. The platform facilitates streamlined interactions among stakeholders, enabling multiple bids on projects and efficient communication with suppliers. Additionally, Constrafor provides subcontractors with receivables financing options, such as an Early Pay Program, which accelerates the invoice payment cycle and increases cash flow, allowing them to take on more projects. Overall, Constrafor aims to transform the construction procurement process, making it more efficient and effective for all parties involved.

Habi is a technology-driven real estate company based in Bogotá, Colombia, founded in 2019. The firm focuses on simplifying the home buying and selling process for middle-class customers in Latin America by utilizing a proprietary pricing algorithm and scalable processes. Habi's platform aims to reduce the time and risks associated with traditional real estate transactions, allowing clients to buy and sell their homes more efficiently. By combining advanced analytical tools with human insight, Habi eliminates the need for intermediaries and provides clients with the necessary information to make informed decisions in the real estate market.

Dolado is a company that provides a comprehensive retail management platform aimed at enhancing the operations of small businesses in Latin America, particularly in suburban areas and tier-2 cities where technology adoption is lower. The platform facilitates the buying and selling of a variety of products, including cell phone accessories, food items, automotive goods, and toys. By offering a full suite of e-commerce and financial services, Dolado helps merchants improve efficiency, lower costs, and enhance sales performance, thereby empowering them to thrive in a competitive marketplace.

Koxa is a fintech company based in New York, founded in 2020, that specializes in developing an API platform designed to integrate accounting software with corporate bank accounts. The platform provides cloud-based tools that facilitate functions such as identity management, customer request approvals, and security operations, allowing banks and financial institutions to streamline their treasury-related activities. By connecting enterprise resource planning (ERP) systems with accounting solutions, Koxa enhances operational efficiency in the financial sector.

Gaia is a company that focuses on making in vitro fertilization (IVF) treatments more accessible and affordable by integrating reproductive health data with financial technology. It offers personalized success predictions and tailored insurance plans that address the risks associated with IVF outcomes. By combining these elements, Gaia aims to provide individuals with a more cost-effective approach to fertility treatments, helping to mitigate financial burdens while enhancing the overall patient experience.

Nowsta is an all-in-one software for hourly and event-based workforces, providing scheduling, time tracking, and fintech solutions. It helps employers become better managers by giving them the tools they need to seamlessly manage their hourly workforce. The company is building a platform that leverages advancements in machine learning and payments technology to reimagine the way companies communicate with, and pay their hourly wage employees. Nowsta was established in 2015 and is headquartered in Brooklyn, New York, United States. Nowsta

Arc Technologies is a full-service finance platform designed specifically for software startups. It offers a comprehensive digital solution that allows founders to borrow, save, and spend through an integrated cash management and capital markets platform. By partnering with Stripe, Arc provides a unique fintech service that helps startups convert future revenue into immediate capital without equity dilution. The platform equips clients with financial tools to manage their capital effectively, enabling them to leverage insights for efficient growth. Through these services, Arc Technologies aims to support the financial health and expansion of software businesses.

Resolve is a B2B payments platform that facilitates buy now, pay later billing for business purchases, enabling merchants to offer risk-free net terms to their customers. By streamlining the payment process, Resolve assists manufacturers, wholesalers, and distributors in increasing sales and enhancing cash flow. The platform employs non-traditional underwriting data to analyze financing applications, allowing for the authorization of extended payment windows while assuming all repayment risks during the credit period. This service is applicable across various sales channels, including e-commerce checkouts, making it a versatile solution for B2B merchants. Resolve is supported by notable investors, including the co-founder of PayPal and Affirm.

Kala is a fintech platform dedicated to enhancing financial inclusion for underbanked individuals in Latin America. It operates through a B2B2C credit model, focusing on providing innovative lending products. The company's initial offering, Pension Deducted Loans, targets the Silver Economy in Colombia, facilitating loan repayments directly from government-backed pension funds. Kala's infrastructure supports a range of lenders, including banks and credit unions, alongside businesses that provide credit programs. By streamlining the lending process into a fully digital experience, Kala aims to improve accessibility to financial services and maximize revenue generation for its partners.

Synergist operates a post-checkout offers platform designed to enhance cash flow for e-commerce businesses. By providing credit card offers after the checkout process, the company enables clients to boost sales, improve conversion rates, and increase average order value. This innovative approach helps clients attract new customers and achieve their business objectives effectively.

TripleBlind, Inc. is a Kansas City-based company incorporated in 2019 that provides an online platform enabling organizations to collaborate while safeguarding sensitive data and algorithms. The company specializes in privacy-enhancing computation, offering a software-only solution delivered through a simple API. TripleBlind focuses on sectors such as healthcare and financial services, utilizing innovations like federated learning and multi-party computation to enhance the scalability and efficiency of privacy-preserving technology. Its platform allows institutions to share and monetize regulated data without compromising privacy, ensuring compliance with regulations like HIPAA and GDPR. By facilitating collaboration around sensitive data without decryption, TripleBlind enables clients to generate new revenue, derive deeper insights, and improve modeling and analysis. The company is supported by notable investors including Accenture, General Catalyst, and The Mayo Clinic, and it integrates seamlessly with major cloud platforms.

Copper Banking is a financial education platform designed to empower teenagers with financial literacy and banking services. By offering a user-friendly app and debit card, Copper enables teens to manage their money effectively, gaining hands-on experience that traditional banks often overlook. The platform facilitates money transfers, direct deposits, and payments while fostering a connection between parents and teens regarding financial decisions. Additionally, Copper provides exclusive content crafted by financial literacy experts, equipping users with valuable advice and tips to enhance their understanding of personal finance and help them take control of their financial futures. Through these features, Copper seeks to instill responsible financial habits in young users.

Morada Uno is a technology company that focuses on enhancing the real estate industry by offering tools and financial products aimed at real estate brokers and professionals. The company provides services that facilitate the screening, collection, and insurance of residential leases. By equipping real estate professionals with resources to streamline interactions between property owners and tenants, Morada Uno enables efficient transaction closures and effective asset management for its clients. The company's solutions aim to create a digital, seamless, and secure rental experience in the real estate market.

Flink is a fintech company based in Mexico City, established in 2017, that offers a consumer trading platform which enables users to save, spend, and invest their money. The company launched its first brokerage product in June 2020 and has since attracted over 1 million users, with 800,000 brokerage accounts, primarily catering to first-time traders. Flink aims to enhance its offerings by improving product features, infrastructure, and security, while also expanding its team to support growth.

M1 Holdings operates a personal finance platform that combines automation with user control, allowing individuals to manage and grow their wealth effectively. The platform supports hundreds of thousands of investors, managing over $6 billion in assets. It offers a comprehensive suite of financial tools, including low-cost borrowing, high-interest checking accounts, and cash back rewards through debit and credit cards. Users can create customized stock and ETF portfolios, access affordable lines of credit, and utilize digital banking services that integrate seamlessly with their investments. The platform has received significant recognition for its user-friendly experience, earning high ratings on app stores and accolades from financial publications as one of the best options for investors and digital banking services.

Z1 was created to scan and automate the way decision-making for innovation investments is made. The company has a method to qualify new businesses, in a totally digital way. Inspired and based on acceleration programs that already exist throughout the world and that have already proven their success. During this process the entrepreneur can perform tasks and absorb content that will help him to develop a successful business, saving time and reducing the chance of failures.

Orum is the simplest API for fast, reliable payments. Orum’s API solution delivers access to all major rails – RTP, FedNow, Same Day ACH, ACH, and Wires – and now instant bank account verification. Orum allows businesses to launch instant payments and instant bank account verification in just days, without costly bank integrations or prolonged compliance. This in turn empowers businesses and banks to launch new payment experiences that attract and monetize more customers. Founded by Stephany Kirkpatrick and led by expert fintech operators from LearnVest, Square, N26, Klarna, Marqeta, and Stash, Orum has raised over $82M from leading investors, including Accel, Canapi, Bain Capital Ventures, Inspired Capital, Homebrew, Acrew, BoxGroup, Clocktower Ventures, Primary Ventures and American Express Ventures. We provide the technology and expertise required to power a better financial system where everyone has the freedom to build to their potential. To learn more, visit Orum.io.

Crediverso operates a financial marketplace designed to assist the Hispanic community in the United States in achieving financial independence. The platform offers a range of services, including access to credit cards, credit checks, loans, and international money transfers. By providing essential financial information and products, Crediverso bridges the cultural gap for both Spanish- and English-speaking users, ensuring they can make informed decisions about their finances. The company aims to empower its users with the tools and knowledge necessary to navigate financial choices effectively.

Z1 is a digital banking application tailored for teenagers and young adults, focusing on fostering financial independence among its users. Founded in 2020 by a team with experience in education and fintech, including João Pedro Thompson, Thiago Achatz, Sophie Secaf, and Mateus Craveiro, the platform provides financial education alongside gamified features and digital banking services. The application enables users to manage their finances responsibly, offering transparency with no hidden fees. Z1 has attracted significant investment from notable backers, including Maya Capital and prominent founders, and has recently secured support from the American accelerator Y Combinator, which has a reputation for nurturing successful startups.

Caplight is a financial technology platform that facilitates derivative transactions in private equity, allowing institutional investors to buy and sell options and swap contracts related to private company stock. The platform connects institutional trading counterparties with underwriting financial institutions, enabling investors to manage risks, generate income on assets, and achieve greater liquidity through mechanisms similar to public market settlements. Caplight serves a diverse clientele, including hedge funds, venture capital firms, family offices, pensions, endowments, mutual funds, and insurance companies. The platform's innovative approach provides institutional investors with the ability to take both long and short positions in private companies using synthetic and cash-settled derivatives.

Orum is the simplest API for fast, reliable payments. Orum’s API solution delivers access to all major rails – RTP, FedNow, Same Day ACH, ACH, and Wires – and now instant bank account verification. Orum allows businesses to launch instant payments and instant bank account verification in just days, without costly bank integrations or prolonged compliance. This in turn empowers businesses and banks to launch new payment experiences that attract and monetize more customers. Founded by Stephany Kirkpatrick and led by expert fintech operators from LearnVest, Square, N26, Klarna, Marqeta, and Stash, Orum has raised over $82M from leading investors, including Accel, Canapi, Bain Capital Ventures, Inspired Capital, Homebrew, Acrew, BoxGroup, Clocktower Ventures, Primary Ventures and American Express Ventures. We provide the technology and expertise required to power a better financial system where everyone has the freedom to build to their potential. To learn more, visit Orum.io.

Z1 is a digital banking application tailored for teenagers and young adults, focusing on fostering financial independence among its users. Founded in 2020 by a team with experience in education and fintech, including João Pedro Thompson, Thiago Achatz, Sophie Secaf, and Mateus Craveiro, the platform provides financial education alongside gamified features and digital banking services. The application enables users to manage their finances responsibly, offering transparency with no hidden fees. Z1 has attracted significant investment from notable backers, including Maya Capital and prominent founders, and has recently secured support from the American accelerator Y Combinator, which has a reputation for nurturing successful startups.

M1 Holdings operates a personal finance platform that combines automation with user control, allowing individuals to manage and grow their wealth effectively. The platform supports hundreds of thousands of investors, managing over $6 billion in assets. It offers a comprehensive suite of financial tools, including low-cost borrowing, high-interest checking accounts, and cash back rewards through debit and credit cards. Users can create customized stock and ETF portfolios, access affordable lines of credit, and utilize digital banking services that integrate seamlessly with their investments. The platform has received significant recognition for its user-friendly experience, earning high ratings on app stores and accolades from financial publications as one of the best options for investors and digital banking services.

Flink is a fintech company based in Mexico City, established in 2017, that offers a consumer trading platform which enables users to save, spend, and invest their money. The company launched its first brokerage product in June 2020 and has since attracted over 1 million users, with 800,000 brokerage accounts, primarily catering to first-time traders. Flink aims to enhance its offerings by improving product features, infrastructure, and security, while also expanding its team to support growth.

Provide, Inc. is a financial software company that specializes in offering tailored solutions for dentists, veterinarians, and healthcare professionals. Founded in 2013 and headquartered in San Francisco, California, the company provides a range of services including lending, business bank accounts, and insurance. This focus on the unique financial needs of healthcare providers reflects the company's commitment to supporting these essential professionals, particularly in challenging times such as the global pandemic. Previously known as Lendeavor, Provide aims to enhance the financial management capabilities of its users through innovative software solutions.

M1 Holdings operates a personal finance platform that combines automation with user control, allowing individuals to manage and grow their wealth effectively. The platform supports hundreds of thousands of investors, managing over $6 billion in assets. It offers a comprehensive suite of financial tools, including low-cost borrowing, high-interest checking accounts, and cash back rewards through debit and credit cards. Users can create customized stock and ETF portfolios, access affordable lines of credit, and utilize digital banking services that integrate seamlessly with their investments. The platform has received significant recognition for its user-friendly experience, earning high ratings on app stores and accolades from financial publications as one of the best options for investors and digital banking services.

Habi is a technology-driven real estate company based in Bogotá, Colombia, founded in 2019. The firm focuses on simplifying the home buying and selling process for middle-class customers in Latin America by utilizing a proprietary pricing algorithm and scalable processes. Habi's platform aims to reduce the time and risks associated with traditional real estate transactions, allowing clients to buy and sell their homes more efficiently. By combining advanced analytical tools with human insight, Habi eliminates the need for intermediaries and provides clients with the necessary information to make informed decisions in the real estate market.

Orum is the simplest API for fast, reliable payments. Orum’s API solution delivers access to all major rails – RTP, FedNow, Same Day ACH, ACH, and Wires – and now instant bank account verification. Orum allows businesses to launch instant payments and instant bank account verification in just days, without costly bank integrations or prolonged compliance. This in turn empowers businesses and banks to launch new payment experiences that attract and monetize more customers. Founded by Stephany Kirkpatrick and led by expert fintech operators from LearnVest, Square, N26, Klarna, Marqeta, and Stash, Orum has raised over $82M from leading investors, including Accel, Canapi, Bain Capital Ventures, Inspired Capital, Homebrew, Acrew, BoxGroup, Clocktower Ventures, Primary Ventures and American Express Ventures. We provide the technology and expertise required to power a better financial system where everyone has the freedom to build to their potential. To learn more, visit Orum.io.

Gaia is a company that focuses on making in vitro fertilization (IVF) treatments more accessible and affordable by integrating reproductive health data with financial technology. It offers personalized success predictions and tailored insurance plans that address the risks associated with IVF outcomes. By combining these elements, Gaia aims to provide individuals with a more cost-effective approach to fertility treatments, helping to mitigate financial burdens while enhancing the overall patient experience.

M1 Holdings operates a personal finance platform that combines automation with user control, allowing individuals to manage and grow their wealth effectively. The platform supports hundreds of thousands of investors, managing over $6 billion in assets. It offers a comprehensive suite of financial tools, including low-cost borrowing, high-interest checking accounts, and cash back rewards through debit and credit cards. Users can create customized stock and ETF portfolios, access affordable lines of credit, and utilize digital banking services that integrate seamlessly with their investments. The platform has received significant recognition for its user-friendly experience, earning high ratings on app stores and accolades from financial publications as one of the best options for investors and digital banking services.

Starship specializes in simplifying health savings accounts. The company automates health spending, savings, and investing in one place. They make health savings accounts accessible to everyone. They build a healthcare savings account platform that combines a mobile-first signup process, overflow investing into index funds, easy reimbursements, and a chat service for advice.

Bricklane is a technology-driven investment platform that specializes in residential property, enabling investors to access the housing market at scale. Launched in 2016, the company utilizes its proprietary technology, Compass, to streamline the investment process, facilitating granular transactions that often go unnoticed by larger investors. Bricklane offers a compelling proposition for tenants, featuring long-term rental contracts and responsive property management. The firm is currently executing its first major institutional mandate, concentrating on select locations in London, the South East, and Bristol, while also managing property portfolios for retail investors in cities such as London, Leeds, Manchester, and Birmingham. Backed by prominent investors, Bricklane aims to make property investment more accessible and efficient.

Stackin' is a financial fitness platform aimed at empowering individuals to enhance their financial lives through engaging text messages. With over one million subscribers, it targets a younger demographic by offering tools and curated products that promote healthy financial habits in a fun and judgment-free environment. The platform leverages a custom messaging system, along with data, machine learning, and human interaction, to send personalized messages that educate users on saving money, reducing debt, and starting to invest. Additionally, Stackin' provides financial tips and content designed to inform and entertain its audience, helping them make informed decisions for their financial future.

Reel is a platform for debt-free shopping that makes it simple to pay for what you want in installment savings. From a new pair of shoes to an Apple Watch, we help you save a little every day, while by giving you inspiration and price alerts.

Borrowell Inc., founded in 2014 and based in Toronto, Canada, is a financial technology company that specializes in providing credit education and personal financial services. The company offers free credit scores, credit monitoring, and personalized financial product recommendations through its online marketplace-lending platform. Borrowell helps Canadians access various financial products, including personal loans, credit cards, and mortgages, while also providing tools for debt management and financial improvement. By integrating innovative digital solutions such as personalized credit coaching and AI-driven recommendations, Borrowell aims to enhance the financial well-being of its customers and promote responsible borrowing practices.

Nowsta is an all-in-one software for hourly and event-based workforces, providing scheduling, time tracking, and fintech solutions. It helps employers become better managers by giving them the tools they need to seamlessly manage their hourly workforce. The company is building a platform that leverages advancements in machine learning and payments technology to reimagine the way companies communicate with, and pay their hourly wage employees. Nowsta was established in 2015 and is headquartered in Brooklyn, New York, United States. Nowsta

Pei is a customer loyalty platform that enables users to earn automatic cashback on debit and credit card transactions. By linking their cards to Pei's platform, users can receive cashback in the form of either USD or Bitcoin, enhancing their overall savings. The platform aims to foster brand loyalty for retailers while providing users with an effortless way to accumulate extra cash rewards alongside their existing card benefits. Pei is recognized for its innovative approach to consumer rewards and is part of the Sputnik ATX W'18 cohort.

Imperative Execution is a company that specializes in building efficient financial exchanges through its innovative online trading platform. This platform utilizes a dark pool to facilitate secure buying and selling of orders, ensuring that transactions are protected from potential market abuses such as bid and offer hunting. By leveraging machine learning, Imperative Execution's system is capable of dynamically adjusting the speed of trading based on real-time performance metrics, thereby enhancing the security and efficiency of financial transactions for its clients.

Resolve is a B2B payments platform that facilitates buy now, pay later billing for business purchases, enabling merchants to offer risk-free net terms to their customers. By streamlining the payment process, Resolve assists manufacturers, wholesalers, and distributors in increasing sales and enhancing cash flow. The platform employs non-traditional underwriting data to analyze financing applications, allowing for the authorization of extended payment windows while assuming all repayment risks during the credit period. This service is applicable across various sales channels, including e-commerce checkouts, making it a versatile solution for B2B merchants. Resolve is supported by notable investors, including the co-founder of PayPal and Affirm.

Qualia is a digital closing platform that serves the real estate and mortgage industries, facilitating a streamlined home closing and refinance experience. With a cloud-based infrastructure, the platform connects homebuyers, sellers, mortgage lenders, title and escrow agents, and real estate professionals on a secure, remote interface. Launched in 2015, Qualia has garnered industry recognition as an ALTA Elite Provider and a member of the CB Insights Fintech 250. The company has grown to employ over 500 individuals and has been acknowledged by Forbes as a Best Startup Employer. Qualia prioritizes security in real estate transactions, being the first technology company to join the Coalition to Stop Real Estate Wire Fraud. Headquartered in San Francisco, California, Qualia also has offices in Austin, Texas, and Superior, Colorado.

Omniex Holdings, Inc. is a software infrastructure developer that creates an institutional operating platform tailored for investment managers and active traders in the crypto-asset space. Founded in 2017 and headquartered in San Francisco, California, the company aims to streamline access to crypto trading by integrating front, middle, and back-office services. Omniex offers a range of solutions, including Portfolio Solutions and Analytics, which provide real-time dashboards for tracking portfolio valuation, orders, and risk metrics. Its Connectivity and Routing services unify trading interfaces and multi-venue direct market access, allowing traders to focus on portfolio management and investment strategies. Additionally, Omniex provides Algorithmic Execution Services that enable traders to place orders with minimal market impact. Through these offerings, Omniex facilitates the institutional adoption of crypto and blockchain technologies.

Alloy Digital LLC is a prominent media company focused on the 12-34 demographic, recognized for its digital media and video network that creates and delivers original content across various platforms. In addition to its media operations, Alloy has developed an identity verification platform designed to enhance security and streamline fraud prevention for banks and financial institutions. This platform offers a single API and dashboard that simplifies the management of customer data, enabling organizations to automate their identity compliance and fraud decision processes. By integrating multiple data sources and providing tools for case management and reporting, Alloy supports financial institutions and FinTech companies in effectively addressing identity and compliance challenges.

Chime is a mobile banking and finance platform that provides users with convenient banking services designed for modern financial needs. The platform allows users to access bank accounts with fee-free overdrafts and offers the opportunity for early access to paychecks. Chime's unique savings feature automatically sets aside a predetermined amount of money after each transaction, promoting better financial habits and helping members save. The company earns revenue through transaction fees paid by merchants, aligning its interests with those of its users. By focusing on user-friendly services, Chime aims to empower individuals to gain greater control and flexibility over their finances while avoiding traditional banking fees.

AlphaFlow, Inc. operates an online investment platform focused on real estate assets, providing professionally managed portfolios of real estate loans primarily for institutional investors. Founded in 2015 and headquartered in San Francisco, California, with an additional office in New York, AlphaFlow collaborates with residential real estate lenders nationwide, underwriting loans based on over 50 criteria. By employing best practices in investment management, such as diversification and institutional-quality data analytics, AlphaFlow automates these processes to deliver a more accessible and efficient investment experience. This approach allows investors to build diversified portfolios across multiple states while avoiding the high fees and minimum investments typically associated with traditional real estate investing.

Bread is a financial technology company that partners with retailers to provide pay-over-time financing solutions. Founded in 2014 and based in New York, the company leverages technology to create a consumer-friendly credit experience that emphasizes accessibility, transparency, and ease of use. By integrating financing options into the e-commerce journey, Bread enables merchants to offer their customers clear and straightforward payment alternatives. This approach not only enhances consumer access to products but also helps merchants increase sales by improving conversion rates and average order values.

Tomorrow Ideas develops an application that helps in protecting family’s financial future. Its application includes last will and testament for the family and the laws of the state, a revocable living trust, guardianship for children and pets, net worth and life insurance calculator, term life insurance comparison, and a complimentary insurance policy. Tomorrow Ideas' application can be downloaded from iOS and Android. David Hanley, Erik Berg, Joshua Heckathorn, and Wayne Rambo founded it in 2015, with its headquarters in Seattle in Washington.

Pairity is a technology-driven company focused on alleviating the challenges of consumer debt for lenders, collectors, and individuals. By leveraging advanced artificial intelligence and machine learning, Pairity offers a range of products designed to enhance accounts receivable management. Its Pairity Marketplace centralizes consumer debt, providing lenders with tools to recover or liquidate accounts effectively. The Pairity ML platform employs AI analytics to score accounts and simulate recovery strategies, improving operational efficiency and uncovering valuable insights. Additionally, Pairity Digital offers a white-labeled communication and payment platform that engages consumers and aids them in achieving financial stability. Collectively, these offerings create a cohesive ecosystem that supports cost-effective management of accounts receivable while fostering trust among financial institutions, debt collection agencies, and consumers.

Stackin' is a financial fitness platform aimed at empowering individuals to enhance their financial lives through engaging text messages. With over one million subscribers, it targets a younger demographic by offering tools and curated products that promote healthy financial habits in a fun and judgment-free environment. The platform leverages a custom messaging system, along with data, machine learning, and human interaction, to send personalized messages that educate users on saving money, reducing debt, and starting to invest. Additionally, Stackin' provides financial tips and content designed to inform and entertain its audience, helping them make informed decisions for their financial future.

LeaseLock Inc. is an insurance technology company that provides lease guarantor services for renters by replacing traditional security deposits with insurance. Founded in 2013 and based in Marina Del Rey, California, LeaseLock streamlines the rental process through its online application, eliminating the need for cosigners and facilitating instant lease approvals. The company's flagship product utilizes artificial intelligence to optimize coverage based on property history, resulting in significant improvements in conversion rates and reduced vacancy for property owners. LeaseLock has insured over $1 billion in leases, backed by insurance rated A (Excellent) by A.M. Best. The company has strategic partnerships with notable investors, including SoftBank Ventures Asia and Liberty Mutual Strategic Ventures, which support its mission to enhance the rental experience and minimize financial risks for apartment operators.

MoneyLion, Inc. is a mobile banking and financial membership platform based in Sandy, Utah, established in 2013. The company provides a comprehensive digital financial solution that includes mobile banking, lending, and investment services. Utilizing analytics and machine learning, MoneyLion offers personalized financial advice and underwriting, enabling users to gain a complete understanding of their personal finances. Its all-in-one mobile banking membership features managed investment accounts, checking accounts, and cashback rewards, fostering good financial habits and encouraging better financial outcomes through a system of rewards and incentives. This approach allows MoneyLion to deliver convenient and low-cost access to financial services tailored to the needs of its customers.

Papaya is a mobile application designed to simplify the bill payment process for users by allowing them to pay any bill quickly and efficiently through their smartphones. By enabling users to take a picture of their bills and complete transactions in seconds, Papaya alleviates the stress associated with traditional payment methods such as mailing checks or navigating complex online portals. The platform serves various billers across multiple industries, facilitating faster and more reliable payments. Papaya has garnered positive feedback, achieving high ratings on app stores, and has attracted investment from notable firms. In addition to bill payments, Papaya also offers electronic money services, including online banking and international payment solutions, further enhancing its utility in the fintech space.