Clocktower Ventures

Foyer is a developer of a savings account platform aimed at facilitating homeownership for first-time buyers in the United States. The platform integrates market savings accounts with potential state tax benefits and rewards for contributions, creating a comprehensive solution for individuals looking to save for down payments on their new homes. By streamlining the savings process, Foyer seeks to support customers in achieving their homeownership goals and ultimately contribute to the realization of the American Dream.

Mesa is a business focused on making homeownership more affordable and rewarding for its customers. The company operates by offering a rewards program that incentivizes consumers to spend on their homes. Through this initiative, homeowners can earn rewards for every dollar spent, thereby enhancing the overall experience of homeownership. Mesa aims to provide financial benefits that ease the burden of home-related expenses, ultimately contributing to a more accessible and rewarding path to homeownership.

Daylight is a digital banking platform based in West Hollywood, California, specifically designed for the LGBT+ community. Founded in 2020, Daylight provides a range of financial services, including prepaid cards and an app that offers tools, advice, and cashback for spending at queer bars and allied businesses. The platform aims to empower its members by helping them navigate the financial system, develop smarter financial habits, and connect with a supportive community. By focusing on the unique needs of the LGBT+ population, Daylight fosters financial literacy and encourages users to build a future that aligns with their values.

Brightside is a financial health company that offers an employer-based platform focused on improving the financial well-being of workers, particularly those living paycheck to paycheck. The platform addresses challenges faced by front-line workers, such as high turnover, healthcare costs, and productivity issues. Brightside provides tailored financial solutions supported by technology-driven financial assistants and a comprehensive app. This approach personalizes services to meet the individual needs of employees and their families, promoting better financial decision-making through behavioral science. By streamlining access to curated financial products, Brightside aims to enhance employee productivity and retention while contributing to a more diverse and equitable workplace.

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.

Monarch Money is a subscription-based platform that provides a personal finance program to track expenses. The platform aims to help consumers plan and manage their financial lives and adds all the transactions, across all bank accounts and credit cards, into one list, and creates a budget to understand where the money is going.

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.

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.

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.

Daylight is a digital banking platform based in West Hollywood, California, specifically designed for the LGBT+ community. Founded in 2020, Daylight provides a range of financial services, including prepaid cards and an app that offers tools, advice, and cashback for spending at queer bars and allied businesses. The platform aims to empower its members by helping them navigate the financial system, develop smarter financial habits, and connect with a supportive community. By focusing on the unique needs of the LGBT+ population, Daylight fosters financial literacy and encourages users to build a future that aligns with their values.

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.

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.

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.

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 is a financial technology company based in New York City, established in 2016. It focuses on creating a mobile health savings account (HSA) platform that integrates savings, investing, and health-tracking tools. The application allows users to conveniently manage their health savings through automated investing in index funds, streamlined reimbursements, and a user-friendly mobile interface. Additionally, it offers features such as receipt management, card management, and family account oversight, facilitating tax-free healthcare expenses and promoting financial wellness. Starship aims to simplify the process of saving and investing for healthcare needs, making it accessible and efficient for users.

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.

Borrowell Inc. is a financial technology company based in Toronto, Canada, founded in 2014. It specializes in offering a range of financial products and services, including personal loans, credit cards, and free credit scores. Borrowell operates an online marketplace-lending platform that provides Canadians with access to borrowing options and unsecured consumer loans. The company is dedicated to enhancing financial prosperity for its users by offering tools for credit education, personalized credit coaching, and AI-driven recommendations for financial products. By delivering resources such as credit monitoring and tailored options from marketplace partners, Borrowell aims to help customers secure low-interest loans and improve their overall financial well-being.

Kindur Services Inc., operating as Kindur, is a financial technology company based in New York that focuses on assisting baby boomers in their retirement transition. Established in 2016, Kindur offers a platform designed to enhance financial wellness for retirees and their families. The platform manages various aspects of retirement finances, including savings, pensions, and social security, tailored to different phases of retirement. Kindur provides straightforward digital advice to help users understand their financial situation, covering savings, insurance, social security, and healthcare costs. By offering tools such as a personalized retirement paycheck, Kindur aims to empower individuals to navigate retirement with confidence and prepare for unforeseen expenses.

Steady removes barriers to earn through its income intelligence that supports over 3 million hourly, 1099 and mixed-earners in earning more, an average of over $5,500 per year. Steady's view of income also applies its technology for purposes of income measurement that fills the wage data gap for public and private sector entities that service this worker population in areas such as the administration of public sector benefits. Steady was founded in 2017.

Trim is a personal finance assistant that aims to enhance the financial health of Americans through its automated services. The application analyzes users' spending habits, negotiates bills for services such as cable and internet, cancels unwanted subscriptions, and provides spending insights and recommendations. By leveraging these features, Trim has successfully saved its users over $60 million. The company is supported by a team with extensive experience from renowned organizations and backed by notable venture investors. As Trim continues to expand its offerings, it remains focused on helping individuals manage their finances more effectively and achieve greater financial stability.

Chime is a mobile banking and finance platform that offers users convenient access to banking services through their smartphones. The platform features a unique savings mechanism that automatically allocates a predetermined amount of money into savings after each transaction. Chime generates revenue from transaction fees paid by merchants, which aligns its interests with those of its users, promoting fee avoidance and encouraging savings. Additionally, the platform provides fee-free overdrafts and early access to paychecks, empowering users to gain greater control and flexibility over their financial situations while supporting their efforts to improve credit.

Tomorrow Ideas, Inc. specializes in developing an application aimed at safeguarding families' financial futures. The app offers a range of features, including tools for creating a last will and testament, establishing a revocable living trust, and setting up guardianship for children and pets. Additionally, it includes calculators for net worth and life insurance, a comparison of term life insurance options, and provides a complimentary insurance policy. The application is accessible on both iOS and Android platforms. Founded in 2015 and headquartered in Seattle, Washington, Tomorrow Ideas is committed to helping families navigate important financial decisions.

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.

Trim is a personal finance assistant that aims to enhance the financial health of Americans through its automated services. The application analyzes users' spending habits, negotiates bills for services such as cable and internet, cancels unwanted subscriptions, and provides spending insights and recommendations. By leveraging these features, Trim has successfully saved its users over $60 million. The company is supported by a team with extensive experience from renowned organizations and backed by notable venture investors. As Trim continues to expand its offerings, it remains focused on helping individuals manage their finances more effectively and achieve greater financial stability.

Monarch Money is a subscription-based platform that provides a personal finance program to track expenses. The platform aims to help consumers plan and manage their financial lives and adds all the transactions, across all bank accounts and credit cards, into one list, and creates a budget to understand where the money is going.