TruStage Ventures

Debbie is a mobile platform that rewards consumers for reaching financial goals by granting points for saving, paying down debt, and improving financial health rather than rewarding spending. The service uses positive reinforcement and sponsorship from banks and financial institutions to drive account openings, loyalty, and deposits while enabling users to connect and track their credit cards and spending accounts. It aims to address financial insecurity by encouraging small, repeatable actions and has helped more than 10,000 people pay off about $1 million in debt and save over $10 million.

Zest AI, Inc. is a technology company based in Burbank, California, that specializes in artificial intelligence solutions for credit underwriting. Founded in 2009 and formerly known as ZestFinance, the company has developed a platform that utilizes advanced machine learning techniques to enhance credit decision-making processes. Zest AI's Model Management System allows lenders to analyze extensive credit data, increasing approval rates while mitigating the risks associated with credit decisions. The platform also emphasizes transparency and compliance, enabling lenders to understand and explain their data modeling results effectively. Through its innovative technology, Zest AI aims to make credit more accessible and fair, helping lenders improve their decision-making and ultimately provide better loan options to a wider array of consumers. The company has a strategic partnership with Microsoft, which supports its mission to expand the availability of credit.

Union Credit operates a credit union-based marketplace that enables qualified consumers to obtain credit via perpetual credit approval and one-click loan activation embedded within daily transactions. The platform connects direct-to-consumer brands with users through data-driven insights about purchase intent and capacity, allowing companies to offer local, competitive credit offers from a nationwide network of credit unions. By embedding Union Credit's lending marketplace into merchants and financial apps, customers can access financing with minimal friction, receiving instant offers without traditional credit applications.

Finch is a financial technology company based in Boston, Massachusetts, that provides an innovative online trading platform designed to simplify investing. Founded in 2019, Finch allows users to earn investment returns by automatically investing their cash balances into a diversified portfolio of exchange-traded funds (ETFs) tailored to their individual risk profiles. This unique approach ensures that users’ entire balance is actively working for them from the outset. Additionally, Finch offers instant access to funds, including those that are invested, enhancing liquidity for users. The platform also features a rewards card that enables customers to earn cash back on purchases, which can be automatically reinvested to foster financial growth. Through these services, Finch aims to make investing accessible and straightforward for its users.

Eltropy is a digital communications platform for financial services that enables secure, compliant engagement across text, video, audio, secure chat, and social messaging. It helps credit unions, banks, debt collectors, insurers, lenders, and FinTechs enhance operations, engagement, and productivity by enabling digital outreach and integrating with IT systems such as Symitar and Corelation. The platform uses analytics to provide engagement insights, supporting institutions in managing member interactions and driving growth.