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Aeldra - the world's first truly global consumer bank. Aeldra’s vision is provide access to global financial opportunities to customers all over the globe. Through a single App, customers will be able to seamlessly access all the financial products they need – interest bearing insured bank account, debit card, saving account, investment platform, credit card, home loans and other loans, insurance financial advice, and a lot more. Aeldra launched in 2020 with a focus on bridge banking between India and the U.S. Indians can now open an FDIC-insured U.S. bank account with a Mastercard Debit Card from India on their mobile. All customers needs to apply is a valid Indian Passport and Aadhaar number. Account opening takes less than 10 minutes through the mobile. Money can be transferred into the Aeldra account from India through the Liberalised Remittance Scheme of the Government of India, as to any other U.S. bank. In addition to transacting with the global Mastercard Debit Card, customers can do account-to-account transfers, real-time Peer-to-peer transfers, deposit checks, lock/unlock the Debit Card with one click, review transactions, and a lot more through the Aeldra mobile banking App. Within the next three years, we will offer universal banking services in the U.S., Canada, U.K. and Australia to overseas customers and residents. Aeldra offers unmatched safety and security: • Customers’ funds are FDIC-insured up to USD $250,000 per customer • Mastercard Zero Liability against “unauthorized transactions.” • Mastercard Identity Check: EMV® 3-D Secure (replacing 3DS 1.0) TRANSPARENCY AND TRUST: The Aeldra Founders have more than 2 decades of experience in leading banks and global companies such as Goldman Sachs, ANZ Bank, Ernst & Young, McKinsey & Co. and Booz & Co. They bring deep expertise in regulatory and compliance. Their motivation for starting Aeldra is to make financial services ethical, easy and accessible to everyone, anywhere in the world.

Zelf is a neobank focused on serving Gen Z by integrating financial services into messaging platforms. It provides a streamlined onboarding process that allows users to issue a card and conduct transactions in under 60 seconds, all without leaving their preferred messaging app. The platform offers AI-powered voice control for various financial operations, catering to the growing preference for voice interactions among younger users. Additionally, Zelf enables users to create and manage invoices, as well as track and send reminders for unpaid bills, ensuring a convenient and efficient approach to managing finances.

Aeldra - the world's first truly global consumer bank. Aeldra’s vision is provide access to global financial opportunities to customers all over the globe. Through a single App, customers will be able to seamlessly access all the financial products they need – interest bearing insured bank account, debit card, saving account, investment platform, credit card, home loans and other loans, insurance financial advice, and a lot more. Aeldra launched in 2020 with a focus on bridge banking between India and the U.S. Indians can now open an FDIC-insured U.S. bank account with a Mastercard Debit Card from India on their mobile. All customers needs to apply is a valid Indian Passport and Aadhaar number. Account opening takes less than 10 minutes through the mobile. Money can be transferred into the Aeldra account from India through the Liberalised Remittance Scheme of the Government of India, as to any other U.S. bank. In addition to transacting with the global Mastercard Debit Card, customers can do account-to-account transfers, real-time Peer-to-peer transfers, deposit checks, lock/unlock the Debit Card with one click, review transactions, and a lot more through the Aeldra mobile banking App. Within the next three years, we will offer universal banking services in the U.S., Canada, U.K. and Australia to overseas customers and residents. Aeldra offers unmatched safety and security: • Customers’ funds are FDIC-insured up to USD $250,000 per customer • Mastercard Zero Liability against “unauthorized transactions.” • Mastercard Identity Check: EMV® 3-D Secure (replacing 3DS 1.0) TRANSPARENCY AND TRUST: The Aeldra Founders have more than 2 decades of experience in leading banks and global companies such as Goldman Sachs, ANZ Bank, Ernst & Young, McKinsey & Co. and Booz & Co. They bring deep expertise in regulatory and compliance. Their motivation for starting Aeldra is to make financial services ethical, easy and accessible to everyone, anywhere in the world.

Cogni is a digital banking platform based in New York that offers a comprehensive suite of financial services for businesses across Europe. The platform provides multi-currency business accounts and integrates artificial intelligence and machine learning to deliver advanced financial tools. Cogni's services are designed to automate and simplify virtual payments, making it easier for users to manage their finances. Additionally, the platform supports various lifestyle features, allowing customers to book hotels, flights, and movie tickets, thereby enhancing the overall user experience by merging banking, commerce, and lifestyle functionalities into a single application.

TomoCredit LLC, established in 2018 and based in San Francisco, California, focuses on providing innovative credit solutions tailored for Millennials, particularly those with no credit history or credit score. The company manufactures electronic smart and credit cards that enable users to build credit and qualify for loans by utilizing a proprietary algorithm to analyze alternative data sources. In addition to its credit card offerings, TomoCredit has developed a mobile application that allows users to manage their accounts effectively. The founding team, composed of immigrant founders, aims to address the challenges faced by foreign nationals in accessing credit, drawing on their backgrounds from notable institutions such as Coinbase, The Kenetic Hedge Fund, and Google, as well as prestigious educational establishments like MIT and UC Berkeley.

Cogni is a digital banking platform based in New York that offers a comprehensive suite of financial services for businesses across Europe. The platform provides multi-currency business accounts and integrates artificial intelligence and machine learning to deliver advanced financial tools. Cogni's services are designed to automate and simplify virtual payments, making it easier for users to manage their finances. Additionally, the platform supports various lifestyle features, allowing customers to book hotels, flights, and movie tickets, thereby enhancing the overall user experience by merging banking, commerce, and lifestyle functionalities into a single application.

Upgrade, Inc. is an online lending platform based in San Francisco, California, with additional offices in Phoenix, Montreal, and Chicago. Founded in 2016, the company operates as a neobank, providing access to personal loans and innovative credit products, such as the Upgrade Card, which combines the benefits of installment lending with traditional credit card usage. Upgrade focuses on offering affordable and responsible credit solutions to mainstream consumers while also providing free credit monitoring and educational resources aimed at helping individuals manage their finances effectively. Through its services, Upgrade enables consumers to gain a better understanding of their credit health and make informed financial decisions.

Kueski, S.A.P.I. De C.V. Sofom E.N.R. is an online lending platform based in Guadalajara, Mexico, founded in 2012. Catering primarily to the middle class in Mexico and Latin America, Kueski offers a range of financial services, including personal credit, student loans, and savings options. The platform leverages big data and advanced analytics to facilitate quick loan approvals, often within minutes, making it a convenient choice for borrowers who require immediate financial assistance. With a paperless application process available 24/7, Kueski has rapidly established itself as a leading provider of online lending services in the region, having granted thousands of loans to date.

Migo operates a digital Credit-as-a-Service platform designed for banks, mobile operators, retailers, and payment processors, primarily in emerging markets. Founded in 2014 and based in San Francisco, the company provides a suite of tools, including APIs, frameworks, and consumer insights, enabling partners to develop innovative credit services. Migo's platform enhances traditional banking and payment card systems, allowing enterprises to extend credit to their customers effectively. Additionally, Migo offers an in-memory analytics service that processes large volumes of mobile data, helping mobile operators monetize their data and assisting financial institutions in reaching more clients. Its services include credit scoring based on mobile behavior, fraud detection, customer identity verification, and risk analysis, all aimed at improving financial access and security for consumers.

Kabbage, Inc. is a financial technology company that offers small businesses automated access to funding through its online lending platform. Founded in 2008 and based in Atlanta, Georgia, Kabbage simplifies the loan application process by allowing businesses to submit their financial data online, enabling rapid approval and funding, often within minutes. The platform assesses business health using various data sources, including revenue and transaction history, to determine credit lines that can reach up to $250,000. Kabbage also provides tools like the Kabbage card, which allows users to make purchases directly from their credit lines at point-of-sale locations, and a mobile app for convenient account access. The company has evolved its services since initially catering to online merchants, extending its offerings to all small businesses by 2014. Kabbage has garnered recognition for its innovative approach and has secured significant funding to support its growth and technological advancements in the lending industry.