The Goldman Sachs Group

Capital Markets Gateway Inc. is a financial technology firm that specializes in modernizing the equity capital markets. Based in Chicago, Illinois, with additional locations in New York and Seattle, CMG offers a platform that provides real-time information and analytics to investors, underwriters, and issuers. Founded in 2015 and officially launched in 2017 by a team of experienced professionals, the platform enhances transparency and workflow efficiencies in capital raising activities. It enables users to monitor the capital raising landscape, conduct due diligence, and make informed investment decisions while facilitating collaboration between stakeholders. Currently, CMG's platform is utilized by over 100 buy-side firms and 10 investment banks, supporting a substantial amount of assets under management.

Addi is a technology company that specializes in providing credit and banking solutions, focusing on point-of-sale lending. Its application enables users to apply for credit at the moment of purchase in partner stores, facilitating a buy now, pay later option with interest-free installment payments. This service promotes digital commerce by allowing consumers to access fast and affordable financing for their shopping needs, thereby enhancing the purchasing experience while supporting retailers in boosting sales.

Float offers modern financial services, powerful software and industry-leading support designed for every company and stage of growth. Our product suite includes corporate cards, bill pay, expense management and high-yield accounts, giving finance teams everything they need to manage spending and cash flow efficiently.

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.

Form3 is a London-based company that provides cloud-based payment processing, clearing, and settlement services specifically designed for regulated financial institutions. Founded in 2016, it offers a fully managed payment technology service that leverages a robust AWS cloud processing platform and multiple payment gateways, ensuring 24/7 operational support. The company's micro-services architecture and application programming interfaces enable clients to access a wide array of payment schemes seamlessly. Form3's client base includes a diverse range of financial entities, such as leading banks, non-bank financial institutions, and fintech companies, including payment institutions and e-money providers. This innovative approach allows businesses to utilize reliable and secure payment services on a per-transaction commercial model without upfront costs.

Aye Finance is a financial services company focused on providing business loans to micro and small enterprises. Its mission is to deliver customer-centered financial solutions through the use of technology and efficient processes. Aye Finance offers a range of loan products and debt financing options designed to support the growth of small businesses. These services enable micro and small businesses to acquire fixed and working assets, renovate or construct facilities, and consolidate debt, ultimately promoting financial inclusion within this segment of the economy. By leveraging relevant technology, Aye Finance aims to empower micro-enterprises and facilitate their development.

Amount, Inc. is a digital technology company based in Chicago, Illinois, specializing in mobile banking solutions for financial institutions. Established in 2018, Amount focuses on accelerating digital transformation by offering a range of services that enhance customer acquisition and optimize performance across various product categories, including personal loans, credit cards, and deposit accounts. Its flagship product, Amount 360, is a cloud-based platform that provides comprehensive solutions with features such as omnichannel integration, fraud prevention, and risk analytics. Amount's services enable financial institutions to modernize their retail offerings and improve user experiences, with clients collectively managing nearly $1 trillion in U.S. assets and serving over 25 million customers.

Stori, established in 2017 and headquartered in Vienna, Virginia, is a technology-driven financial services provider. It specializes in using artificial intelligence to offer inclusive financial products, primarily digital credit cards, to underserved middle- and emerging middle-class customers. Stori's platform connects consumers with personal loan officers, assists in product selection based on financial situations, and guides users through the loan application process. Additionally, it aims to simplify and secure financial management by offering a unified mobile application for borrowing, saving, and investing.

Apex Group is a global financial services provider headquartered in Hamilton, Bermuda, founded in 2003. It offers a comprehensive range of services to asset managers, capital markets, private clients, and family offices. By continually evolving its capabilities, Apex has established itself as a single-source solution in the industry, providing services that include fund administration, digital onboarding, depositary and custody services, and business services such as human resources and payroll. The company also offers innovative ESG Ratings and Advisory services tailored for private companies. With a strong global presence, Apex Group is committed to meeting the diverse needs of its clients through a broad spectrum of products and services.

Clip is transforming card acceptance in Mexico by providing portable card-reading hardware and a digital payment platform that enables businesses to accept all credit and debit cards, including contactless payments. The company's solutions allow businesses to turn smartphones or tablets into card terminals, facilitating seamless transactions without the need for complicated paperwork or monthly fees. By focusing on empowering Mexican businesses, Clip helps them increase sales and grow by offering a user-friendly application that simplifies payment acceptance. This approach positions Clip as a vital ally for merchants seeking efficient and accessible payment solutions.

SumUp, established in 2011, is a leading financial technology company specializing in mobile point-of-sale (mPOS) solutions. It enables businesses, particularly small and medium-sized ones, to securely and conveniently accept card payments using smartphones or tablets. SumUp's proprietary hardware and mobile apps facilitate transactions, supporting magstripe, chip, and contactless payment methods. The company operates in 13 countries, including Germany, the UK, and Brazil, and employs over 100 people worldwide. SumUp's offerings also extend to SDKs and APIs for third-party integrations.

Addi is a technology company that specializes in providing credit and banking solutions, focusing on point-of-sale lending. Its application enables users to apply for credit at the moment of purchase in partner stores, facilitating a buy now, pay later option with interest-free installment payments. This service promotes digital commerce by allowing consumers to access fast and affordable financing for their shopping needs, thereby enhancing the purchasing experience while supporting retailers in boosting sales.

FundPark Limited is a fintech company headquartered in Kwun Tong, Hong Kong, established in 2015. It specializes in providing trade finance solutions such as purchase order financing and invoice financing, targeting small and medium-sized enterprises (SMEs) that are often unbanked or underbanked. Utilizing a proprietary credit model and technology, FundPark leverages real-time data from various partners to assess the growth and funding needs of its clients. The platform not only facilitates due diligence and verification of invoices and purchase orders but also addresses payment risks by collaborating with leading credit agencies and trade credit insurers. In 2022, FundPark significantly enhanced its financing capabilities by securing a substantial asset-backed securitization facility, thereby enabling it to better support the growing eCommerce sector and empower digital entrepreneurs.

Candex Ltd. is a company that provides innovative recruitment and payment solutions for organizations worldwide. Established in 2010 and based in San Francisco, Candex offers a comprehensive sourcing and vendor management tool, allowing employers to manage their recruitment supply chain for permanent positions. The company also features Candex Rollout, a web-based platform that integrates seamlessly with existing applicant tracking and enterprise resource planning systems. Additionally, Candex serves as a fintech consolidator, enabling large organizations to handle payments to low-risk suppliers through existing procurement processes. By managing the complexities of setup, support, taxation, and regulatory requirements, Candex simplifies and accelerates the payment process for vendors, facilitating compliance and efficiency in financial transactions. The platform effectively addresses the needs of a significant portion of suppliers, enhancing operational efficiency for its clients.

Fleximize is a UK-based alternative business lender established in 2013 by Peter Tuvey. The company provides small and medium-sized enterprises (SMEs) with access to flexible funding options ranging from £5,000 to £500,000, with terms extending from one to sixty months. Fleximize's funding solutions are designed to accommodate the diverse needs of businesses across various sectors, including professional services and hospitality. Each financing facility features flexible terms such as repayment holidays, top-ups, and no early repayment fees. To ensure personalized service, each client is assigned a dedicated relationship manager who collaborates with them to create a tailored funding package that aligns with their specific growth plans.

Ampla Technologies is a financial technology company that specializes in delivering tech-enabled financial solutions aimed at fostering business growth. Its comprehensive platform offers a range of services including growth capital solutions, modern banking services, and data analytics. By streamlining access to capital and providing essential financial tools, Ampla addresses the cash flow challenges faced by omnichannel businesses. The company's focus is on facilitating efficient growth through brand-friendly services that support operational needs and enhance financial management.

One97 Communications Limited is a mobile payments services company based in Noida, India, founded in 2000. It operates under the Paytm brand, offering a comprehensive range of mobile content and commerce services. The company provides digital goods and services, including top-ups, ticket bookings, hotel reservations, music, videos, games, and other mobile content. Additionally, One97 Communications is a leading provider of payment solutions for e-commerce merchants, utilizing its RBI-approved semi-closed wallet. With a workforce of over 4,500 employees, the company has a wide geographical footprint, with regional offices in major Indian cities such as Mumbai, Bengaluru, Pune, Chennai, and Kolkata, as well as a global presence in Africa, Europe, the Middle East, and Southeast Asia.

Axoni is a technology company specializing in real-time data replication solutions tailored for the financial industry. Established in 2017, it focuses on serving major financial institutions, including banks, asset managers, hedge funds, and market infrastructure firms worldwide, with offices located in New York and London. The company's platform facilitates the rapid and reliable deployment of critical financial networks, ensuring automated, real-time data replication among market participants. Additionally, Axoni develops distributed ledger software that integrates traditional financial technologies with blockchain capabilities, enhancing market information, trend analysis, and communication networks. This innovative approach allows financial entities to modernize their systems related to legal records, lifecycle events, and cash flow calculations, thereby improving operational efficiency and data management.

Droit is a technology company that specializes in developing mission-critical solutions for global financial institutions to enhance regulatory compliance and real-time controls. Founded by experienced professionals from trading, quantitative analysis, e-commerce, and technology sectors, Droit's flagship product, Adept, is an innovative platform that enables intelligent decision-making in complex rule-driven environments. Adept facilitates pre-trade and post-trade controls, transaction permissibility evaluations, and compliant regulatory reporting across various asset classes and regulators.

Younited Credit is a European instant credit provider that specializes in offering transparent loan solutions to consumers. It operates through both direct channels, such as its own websites, and indirect channels, collaborating with financial institutions and merchants to deliver tailored lending products. By providing accessible credit options directly to borrowers, Younited enhances consumer empowerment through transparent service and user testimonials. The company's online platform facilitates peer-to-peer lending, enabling individuals to engage in financial transactions without traditional intermediaries, making loans more accessible and often at lower interest rates. Younited's commitment to clarity and direct engagement positions it as a notable player in the e-economy, streamlining the credit process for both lenders and borrowers.

Creditshelf is a prominent credit platform specializing in digital financing for small and medium-sized enterprises (SMEs) in Germany. Founded in 2014 and based in Frankfurt am Main, the company offers flexible financial solutions independent of traditional banks through its online platform. Creditshelf employs a proprietary, data-driven risk analysis system to streamline the entire credit process, which includes loan applications, credit assessments, risk management, and loan servicing. By connecting SMEs with institutional investors, Creditshelf enables businesses to access attractive financing alternatives while providing investors opportunities to support German SMEs directly. The company's business model generates revenue through fees charged to both borrowers and investors, reflecting its commitment to facilitating innovative credit solutions for the entrepreneurial landscape.

TRM Labs Inc. is a blockchain intelligence company that provides a platform focused on token relationship management, utilizing machine learning to assist clients in managing customer relationships and detecting suspicious activities. The platform offers solutions for on-chain anti-money laundering (AML) compliance, including customer due diligence, transaction monitoring, and relationship management specifically tailored for digital asset firms. Additionally, TRM Labs develops enterprise applications and tools that enable organizations to launch blockchain-based products aimed at identifying fraudulent activities such as money laundering and market manipulation. Founded in 2017 and headquartered in San Francisco, California, the company serves a diverse clientele, including financial institutions, cryptocurrency businesses, and government agencies, and has established partnerships with notable organizations such as PayPal, Visa, and federal agencies. TRM Labs is committed to enhancing the safety of the financial ecosystem through advanced data engineering and threat intelligence, backed by a team of experts with extensive experience in law enforcement and technology.

Vesttoo Ltd is a Tel Aviv-based company that operates an artificial intelligence-driven financial risk management platform. Established in 2018, Vesttoo focuses on creating a marketplace for non-catastrophic insurance-based risk transfer and investments, connecting insurance companies with institutional investors. Its proprietary technology enhances risk transfer and liquidity in the life and property & casualty insurance markets by facilitating faster deal structuring, risk modeling, pricing, and index calculation. Vesttoo provides a range of solutions that cater to the legal, regulatory, and accounting needs of its clients, which include insurers, reinsurers, and pension funds. By offering asset managers access to diverse, uncorrelated investment options linked to insurance and reinsurance premiums, the company positions itself as a significant alternative to traditional reinsurance models. Vesttoo's innovation has garnered recognition through participation in prestigious fintech accelerators and collaborations with industry leaders, further establishing its role in merging insurance with capital market dynamics.

Armalytix is a company dedicated to combating financial crime and protecting consumers through innovative technology solutions. It specializes in developing data intelligence software that leverages open banking principles to deliver comprehensive financial insights. The company's tools are designed to seamlessly integrate into existing workflows, automating verification processes for account holders and payments. This not only helps firms meet compliance obligations but also enhances customer experiences by providing secure and efficient access to financial information directly from banks. Armalytix's mission is to create a significant positive impact on society by preventing the exploitation of vulnerable individuals and safeguarding consumers from poor financial decisions.

Access Fintech Limited is a fintech company that specializes in providing risk management services to banks and buy-side firms within the global financial services industry. Established in 2016 and headquartered in Tel Aviv-Yafo, Israel, the company has developed a platform that aggregates data from various internal systems, vendors, and outsourcers. This technology enables users to visualize the entire trade lifecycle and prioritize risks effectively. By offering a unified portal, Access Fintech allows financial institutions to analyze exceptions, understand associated risks, and adjust their priorities according to market conditions. The platform facilitates collaboration among teams by enabling the sharing of business exceptions and tracking usage patterns, while also connecting firms with fintech providers for software trials. Overall, Access Fintech enhances transparency and control within financial institutions, streamlining their operational models and improving risk management processes.

Xepelin is a financial technology company focused on transforming business finance for small and medium-sized enterprises (SMEs) in Latin America. It offers a comprehensive suite of digital financial services, including short-term and long-term loans, capital credits, and accounts payable financing, all accessible through its online platform. By automating financial management and enhancing access to liquidity via smart accounts, Xepelin aims to provide economic freedom for its clients. The company also emphasizes the importance of advanced financial indicators and risk assessments to streamline decision-making within the broader business ecosystem. With a workforce of over 500 employees, Xepelin is positioned to lead a new era in finance, supported by notable investors in the industry.

MercadoLibre, Inc. is the leading online commerce platform in Latin America, offering a suite of services designed to facilitate buying and selling across various categories. Founded in 1999 and headquartered in Buenos Aires, Argentina, the company operates the MercadoLibre Marketplace, which allows businesses and individuals to list and sell products through a fixed-price or auction format. It also provides MercadoPago, an integrated payment solution that enables users to send and receive payments both on its marketplace and externally. Additional offerings include MercadoEnvios for logistics services, MercadoCredito for lending solutions, and MercadoFondo for asset management. The company also features a classifieds service for listings related to vehicles, real estate, and services, alongside MercadoLibre Advertising for brand promotion. Further, it offers MercadoShops, a software-as-a-service solution that helps users create and manage their online stores. With over 218 million active users and 1 million sellers, MercadoLibre operates in 18 countries, positioning itself as a comprehensive e-commerce and fintech ecosystem in the region.

Elwood Technologies is a prominent fintech firm that specializes in developing digital asset trading infrastructure tailored for institutional clients. The company offers a comprehensive platform that facilitates connectivity to global cryptocurrency exchanges, custodians, and liquidity providers. Its solutions encompass advanced execution management, portfolio analytics, and risk management tools, enabling financial institutions to efficiently navigate the complexities of digital asset markets. Founded by experts with extensive experience in both traditional finance and digital technology, Elwood Technologies is committed to enhancing the efficiency and security of financial operations in the rapidly evolving landscape of digital assets.

Deserve, Inc. is a financial services company based in Menlo Park, California, that specializes in providing credit cards and financial products to international students in the United States. Founded in 2012 and formerly known as Tremus, Inc., the company utilizes machine learning and alternative data to assess creditworthiness, allowing individuals without a traditional credit history to access fair credit products. Deserve employs various predictive attributes, including education, major, cost of education, source of initial funding, and future employability, to determine a student's ability to repay. The company operates a mobile-first credit card platform built on cloud-native and API-enabled architecture, enabling partnerships with financial institutions, fintechs, lenders, and merchant co-brands to deliver personalized experiences for cardholders.

FundPark Limited is a fintech company headquartered in Kwun Tong, Hong Kong, established in 2015. It specializes in providing trade finance solutions such as purchase order financing and invoice financing, targeting small and medium-sized enterprises (SMEs) that are often unbanked or underbanked. Utilizing a proprietary credit model and technology, FundPark leverages real-time data from various partners to assess the growth and funding needs of its clients. The platform not only facilitates due diligence and verification of invoices and purchase orders but also addresses payment risks by collaborating with leading credit agencies and trade credit insurers. In 2022, FundPark significantly enhanced its financing capabilities by securing a substantial asset-backed securitization facility, thereby enabling it to better support the growing eCommerce sector and empower digital entrepreneurs.

Nubank is a prominent digital bank revolutionizing finance with its customer-centric approach. It provides a variety of services, including credit cards, personal loans, and digital payments, all accessible through a simple mobile app. Known for transparency, ease of use, and low fees, Nubank aims to empower users with innovative solutions for better financial management.

Octaura is an electronic trading solution created by the industry – for the industry. Backed by eight major US financial institutions, Octaura has reimagined the way the syndicated loan and the CLO markets trade. Efficiency, transparency and simplicity are at the heart of what we do.

NextCapital, established in 1996, is a Chicago-based fintech company that partners with institutions to provide personalized financial planning and managed accounts to individual investors across various account types. Their digital advice platform, NextCapital, offers integrated services including account aggregation, analytics, planning, and portfolio management. This platform allows partners to customize advice methodology and fiduciary roles, serving a wide range of investors from beginners to high net worth individuals.

Selina Finance Limited is a digital finance company based in London, United Kingdom, established in 2018. It offers innovative financing solutions for consumers and businesses, focusing on providing affordable credit options. By leveraging residential property as collateral, Selina Finance enables homeowners to access a flexible line of credit without the burden of setup or early repayment fees. The company's platform allows individuals to check their loan eligibility and draw funds up to a pre-approved limit, making the financing process as straightforward as applying for a consumer loan. Selina Finance aims to address the unmet needs of homeowners, who often rely on expensive borrowing methods, by offering a product that combines the flexibility of a current account with the affordability of a mortgage.

Capital Markets Gateway Inc. is a financial technology firm that specializes in modernizing the equity capital markets. Based in Chicago, Illinois, with additional locations in New York and Seattle, CMG offers a platform that provides real-time information and analytics to investors, underwriters, and issuers. Founded in 2015 and officially launched in 2017 by a team of experienced professionals, the platform enhances transparency and workflow efficiencies in capital raising activities. It enables users to monitor the capital raising landscape, conduct due diligence, and make informed investment decisions while facilitating collaboration between stakeholders. Currently, CMG's platform is utilized by over 100 buy-side firms and 10 investment banks, supporting a substantial amount of assets under management.

Addi is a technology company that specializes in providing credit and banking solutions, focusing on point-of-sale lending. Its application enables users to apply for credit at the moment of purchase in partner stores, facilitating a buy now, pay later option with interest-free installment payments. This service promotes digital commerce by allowing consumers to access fast and affordable financing for their shopping needs, thereby enhancing the purchasing experience while supporting retailers in boosting sales.

Anchorage Digital is a regulated cryptocurrency platform that offers integrated financial services and infrastructure solutions tailored for institutions. Established in 2017 and headquartered in San Francisco, California, the company operates as the only federally chartered crypto bank in the United States, with an additional office in Singapore that maintains similar security and service standards. Anchorage Digital specializes in secure custody, regulatory compliance, and a variety of cryptocurrency-related services, including trading, staking, and governance. The platform emphasizes modern security engineering to ensure the safety of digital assets while facilitating streamlined participation in blockchain technology for businesses and institutions. With a valuation exceeding $3 billion, Anchorage Digital has attracted investments from prominent firms such as Andreessen Horowitz, Goldman Sachs, and Visa, among others. The company also supports a remote-friendly work environment, with additional offices located in New York, Porto, and Sioux Falls.

Heap Inc. is a company that develops an analytics infrastructure designed for online businesses, enabling them to capture and analyze customer interactions across web, mobile, and cloud platforms. Founded in 2012 and headquartered in San Francisco, California, Heap's solution automates the collection and organization of customer behavioral data, such as clicks, transactions, and form submissions, without requiring additional coding. This streamlined approach allows businesses to gain a comprehensive understanding of their users, facilitating informed decision-making and enhancing product development. Heap serves a diverse range of industries, including e-commerce, financial services, and SaaS, with over 6,000 clients that include notable companies across various sectors. The company is committed to empowering organizations to focus on insights and actions that drive business success.

Founded in 2015, PeopleFund is a premier data-driven digital lender in South Korea, specializing in consumer finance. The company aims to provide financial freedom through affordable loans and attractive investment opportunities. Utilizing a proprietary credit model and advanced technology, PeopleFund enhances loan rates for borrowers while maintaining a low loss rate, benefiting both retail and institutional investors. It is recognized as the first digital lender in Korea to exceed $1 billion in loan originations and has innovatively engaged nearly 400,000 retail investors. PeopleFund stands out as the first fintech platform to offer loan and investment products directly through KakaoTalk, a popular messaging app in Korea. Additionally, the company operates a lending platform that collaborates with banks and financial institutions to streamline the loan process, making personal loans accessible at competitive interest rates through various third-party applications.

Provu is a fintech company based in São Paulo, Brazil, established in 2015, that focuses on personal and digital credit solutions. The company provides a fully online personal loan service, offering amounts ranging from R$2,500 to R$50,000 with rates tailored to individual financial profiles. Provu aims to facilitate access to credit by ensuring transparency and eliminating hidden costs, thereby enhancing the borrowing experience for its users. With a commitment to innovation and technology, Provu seeks to provide fair and personalized lending options, promoting financial health among its customers.

Cyclone Robotics is a Chinese company specializing in the development and sale of artificial intelligence software products known as digital employees. These products are designed to enhance operational efficiency across various industries, including finance, insurance, retail, healthcare, and technology. By providing enterprises with digital labor, Cyclone Robotics helps improve business operations, reduce personnel and system construction costs, and streamline processes. The company holds independent copyrights and intellectual property rights for its software, which has been successfully implemented in notable organizations such as large state-owned banks, foreign home appliance companies, and listed technology firms. Cyclone Robotics is recognized for being a pioneer in delivering industry-specific solutions based on its digital employee technology, earning widespread acclaim from its clients.

Zilch Technology Limited is a London-based company founded in 2018 that specializes in a buy now, pay later platform. It offers a flexible payment solution that allows customers to make purchases either online or in-store while splitting the total cost into manageable, interest-free payments over six weeks. Zilch provides a virtual credit card linked to users' current accounts, ensuring automated payments and the option for refunds. This service aims to convert potential customers into buyers by enhancing the shopping experience and making it more accessible.

Openpay Group Ltd, established in 2013 and headquartered in Melbourne, Australia, specializes in Buy Now Pay Later (BNPL) payment solutions. It operates in Australia, New Zealand, the United Kingdom, and the United States, offering interest-free repayment plans to customers through various channels. Openpay partners with merchants to facilitate higher transaction values and conversion rates, and provides Openpay for Business, a SaaS platform for enterprise customers to manage trade accounts. The company serves diverse sectors such as healthcare, automotive, home improvement, and retail, and has a strategic partnership with ezyVet for pet care. Openpay generates revenue through fees charged to merchants and customers for using its platform.

One River Asset Management is an investment company founded in 2013 by Eric Peters and is based in Greenwich, Connecticut. The firm specializes in delivering absolute-return strategies and constructing diversified portfolios for its clients. Additionally, it encompasses One River Digital Asset Management, which focuses on providing institutional clients with access to digital assets through well-developed investment products. The company aims to navigate the evolving landscape of both traditional and digital investment opportunities.

Form3 is a London-based company that provides cloud-based payment processing, clearing, and settlement services specifically designed for regulated financial institutions. Founded in 2016, it offers a fully managed payment technology service that leverages a robust AWS cloud processing platform and multiple payment gateways, ensuring 24/7 operational support. The company's micro-services architecture and application programming interfaces enable clients to access a wide array of payment schemes seamlessly. Form3's client base includes a diverse range of financial entities, such as leading banks, non-bank financial institutions, and fintech companies, including payment institutions and e-money providers. This innovative approach allows businesses to utilize reliable and secure payment services on a per-transaction commercial model without upfront costs.

GreenSky is a FinTech company based in Atlanta, Georgia, founded in 2006. It specializes in providing point-of-sale financing and payment solutions to merchants, consumers, and banks. GreenSky's proprietary technology infrastructure supports the entire transaction lifecycle, from credit application and underwriting to real-time allocation of funds, document distribution, funding, settlement, and servicing. The company partners with over 14 large banking institutions to offer loans for various purposes, including home improvement services like HVAC installations, roofing, and remodeling, as well as medical expenses not covered by insurance. GreenSky's loans are designed to provide an alternative to credit cards for customers with prime to prime plus credit, offering a convenient mobile app for easy access to funds.

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.

Zilch Technology Limited is a London-based company founded in 2018 that specializes in a buy now, pay later platform. It offers a flexible payment solution that allows customers to make purchases either online or in-store while splitting the total cost into manageable, interest-free payments over six weeks. Zilch provides a virtual credit card linked to users' current accounts, ensuring automated payments and the option for refunds. This service aims to convert potential customers into buyers by enhancing the shopping experience and making it more accessible.

Younited Credit is a European instant credit provider that specializes in offering transparent loan solutions to consumers. It operates through both direct channels, such as its own websites, and indirect channels, collaborating with financial institutions and merchants to deliver tailored lending products. By providing accessible credit options directly to borrowers, Younited enhances consumer empowerment through transparent service and user testimonials. The company's online platform facilitates peer-to-peer lending, enabling individuals to engage in financial transactions without traditional intermediaries, making loans more accessible and often at lower interest rates. Younited's commitment to clarity and direct engagement positions it as a notable player in the e-economy, streamlining the credit process for both lenders and borrowers.

Entera is a real estate technology company that operates an online platform designed to support residential property investors in the United States. Founded in 2017 and headquartered in San Francisco, California, Entera utilizes machine learning and artificial intelligence to modernize the real estate buying process. Its platform enables users to access, evaluate, and transact on single-family homes more efficiently, allowing for data-driven investment decisions. By providing tools for property evaluation, transaction management, and operational scaling, Entera caters to some of the largest real estate investors globally. Since its launch in 2018, the company has recorded an annual transaction run rate exceeding $3.5 billion across multiple markets. With significant backing from prominent venture capital firms, Entera continues to enhance its marketplace, positioning itself as a leader in transforming how real estate investments are conducted.

Deserve, Inc. is a financial services company based in Menlo Park, California, that specializes in providing credit cards and financial products to international students in the United States. Founded in 2012 and formerly known as Tremus, Inc., the company utilizes machine learning and alternative data to assess creditworthiness, allowing individuals without a traditional credit history to access fair credit products. Deserve employs various predictive attributes, including education, major, cost of education, source of initial funding, and future employability, to determine a student's ability to repay. The company operates a mobile-first credit card platform built on cloud-native and API-enabled architecture, enabling partnerships with financial institutions, fintechs, lenders, and merchant co-brands to deliver personalized experiences for cardholders.

Meu Tudo is a Brazilian financial technology company that operates a mobile application focused on providing payroll loans. Founded in 2016 and headquartered in Ceara, the company serves as a marketplace lending platform, enabling users, particularly retired pensioners and federal and state employees, to access financial products and services. By acting as a banking correspondent, Meu Tudo facilitates the intermediation and negotiation of loans, utilizing anti-fraud technology to ensure secure transactions. This innovative approach allows for a streamlined digital experience in obtaining payroll loans, enhancing financial accessibility for its target audience.

Fundrise, LLC is a real estate investment platform founded in 2010 and based in Washington, D.C. The company provides an online marketplace that empowers individual investors and local residents to directly invest in commercial real estate projects, thereby facilitating ownership in urban development. Fundrise's innovative approach combines technology with federal regulations, allowing a broader audience to access private real estate investments without the traditional barriers associated with high net worth requirements. The platform offers various investment products, including eREITs and funds focused on urban housing development, enabling users to tailor their investment choices based on personal preferences. Fundrise also streamlines the investment process by allowing users to manage their portfolios online and receive regular financial updates and distributions. Through its mission to simplify and democratize real estate investing, Fundrise has redefined the investment landscape, making it more accessible and transparent for a diverse range of investors.

ComplyAdvantage is a provider of AI-driven financial crime risk data and detection technology, focused on mitigating risks associated with money laundering, terrorist financing, and corruption. The company offers a unique global, real-time database that enables over 500 enterprises across 75 countries to assess the risk of their business relationships. By identifying tens of thousands of risk events daily from millions of structured and unstructured data points, ComplyAdvantage equips organizations with the necessary insights to manage their exposure to financial crime effectively.

Amount, Inc. is a digital technology company based in Chicago, Illinois, specializing in mobile banking solutions for financial institutions. Established in 2018, Amount focuses on accelerating digital transformation by offering a range of services that enhance customer acquisition and optimize performance across various product categories, including personal loans, credit cards, and deposit accounts. Its flagship product, Amount 360, is a cloud-based platform that provides comprehensive solutions with features such as omnichannel integration, fraud prevention, and risk analytics. Amount's services enable financial institutions to modernize their retail offerings and improve user experiences, with clients collectively managing nearly $1 trillion in U.S. assets and serving over 25 million customers.

DgPays is a financial technology company that specializes in providing comprehensive payment solutions tailored for banks, e-money institutions, telecom operators, and transportation operators. The company's platform includes a range of services such as online and mobile payment systems, mobile wallets, prepaid cards, and bill payment solutions. Additionally, DgPays offers tools for managing loyalty programs and payment gateway infrastructure. Their solutions also encompass essential banking services, including compliance, fraud management, and authentication, ensuring secure and efficient financial transactions. By integrating these diverse services, DgPays aims to facilitate seamless and convenient financial experiences for its clients and their customers.

SumUp, established in 2011, is a leading financial technology company specializing in mobile point-of-sale (mPOS) solutions. It enables businesses, particularly small and medium-sized ones, to securely and conveniently accept card payments using smartphones or tablets. SumUp's proprietary hardware and mobile apps facilitate transactions, supporting magstripe, chip, and contactless payment methods. The company operates in 13 countries, including Germany, the UK, and Brazil, and employs over 100 people worldwide. SumUp's offerings also extend to SDKs and APIs for third-party integrations.

PureStream is a technology platform established in 2018 in New York, focusing on enhancing the efficiency and security of institutional trading. The company has developed an alternative trading software that connects traders and investors with compatible liquidity, emphasizing improved liquidity discovery and natural cross rates among algorithmic orders. Its trading platform prioritizes and matches orders based on their liquidity relevance, which facilitates faster order completion and better cross rates. This approach allows brokers and institutional clients to access quality bandwidth for optimal liquidity in a more cost-effective and secure manner.

Axoni is a technology company specializing in real-time data replication solutions tailored for the financial industry. Established in 2017, it focuses on serving major financial institutions, including banks, asset managers, hedge funds, and market infrastructure firms worldwide, with offices located in New York and London. The company's platform facilitates the rapid and reliable deployment of critical financial networks, ensuring automated, real-time data replication among market participants. Additionally, Axoni develops distributed ledger software that integrates traditional financial technologies with blockchain capabilities, enhancing market information, trend analysis, and communication networks. This innovative approach allows financial entities to modernize their systems related to legal records, lifecycle events, and cash flow calculations, thereby improving operational efficiency and data management.

Elinvar GmbH, founded in 2016 and based in Berlin, Germany, specializes in providing a comprehensive B2B2C platform designed for independent discretionary portfolio managers and private banks. The company offers a robust Platform as a Service that facilitates the digital transformation of asset and wealth management businesses. Elinvar's platform encompasses essential applications for client relationship management, online onboarding, portfolio management, and reporting, among others. Its micro-services architecture allows for adaptability to evolving technology, regulatory requirements, and user preferences. Additionally, Elinvar holds the necessary regulatory licenses, enabling its partners to leverage advanced technology while ensuring compliance. This integrated approach allows asset and wealth managers to streamline their operations, enhance client engagement, and create tailored solutions, ultimately promoting efficiency and innovation in the financial services sector.

HQLAᵡ is a financial technology innovation firm specializing in liquidity and collateral management solutions for institutional clients in the global securities financing markets. Utilizing R3's Corda distributed ledger technology, HQLAᵡ aims to enhance the efficiency and transparency of collateral mobility within a fragmented securities settlement ecosystem. The firm has established a strategic partnership with Deutsche Börse Group to develop a joint operating model that improves liquidity management for market participants. HQLAᵡ provides a standardized marketplace that enables better tracking of digital collateral receipts, reduces systemic risks, and facilitates more fluid collateral transfers, thereby creating a more cost-effective and transparent environment for liquidity transactions in the securities lending and repo markets.

Funding U is a merit-based student lender founded in 2015 and headquartered in Atlanta, Georgia. The company provides an alternative to conventional bank loan models by offering loans that are determined by students' academic performance, career trajectories, and earning potential, rather than relying on credit scores or cosigners. This approach aims to bridge the gap between traditional college financing and the actual cost of attendance, allowing career-focused college students to secure funding with fixed interest rates. By doing so, Funding U seeks to empower students to pursue their education without the financial burden that could lead to dropping out.

Access Fintech Limited is a fintech company that specializes in providing risk management services to banks and buy-side firms within the global financial services industry. Established in 2016 and headquartered in Tel Aviv-Yafo, Israel, the company has developed a platform that aggregates data from various internal systems, vendors, and outsourcers. This technology enables users to visualize the entire trade lifecycle and prioritize risks effectively. By offering a unified portal, Access Fintech allows financial institutions to analyze exceptions, understand associated risks, and adjust their priorities according to market conditions. The platform facilitates collaboration among teams by enabling the sharing of business exceptions and tracking usage patterns, while also connecting firms with fintech providers for software trials. Overall, Access Fintech enhances transparency and control within financial institutions, streamlining their operational models and improving risk management processes.

General Motors - Credit Card Business is a provider of financial and credit card services. The company is based in Detroit, Michigan, and it was recently acquired by Goldman Sachs.

Veem Inc. is a payment service provider that specializes in simplifying the process of sending and receiving funds for businesses. Founded in 2014 and headquartered in San Francisco, California, the company offers a platform that allows small and medium-sized enterprises to conduct transactions in local currencies. By utilizing blockchain technology as its payment rail, Veem eliminates the need for intermediary banks, which reduces costs and improves transaction efficiency. The platform enables real-time payment tracking, invoice generation, and the ability to upload mass documents, enhancing the overall user experience. Additionally, Veem provides integration services with accounting platforms, further streamlining financial operations for its users. The company also has offices in Kanata, Canada, and Shanghai, China.

Bond Financial Technologies, Inc. is a financial technology company based in San Francisco that specializes in creating an enterprise-grade platform designed to facilitate the integration of brands and banks. The company offers an artificial intelligence-driven platform that empowers digital brands to engage effectively with their customers by providing personalized and compliant banking products. Bond's technology allows for the seamless development and launch of financial programs, reducing manual processes and enhancing customer engagement. Established in 2019 and previously known as Aster Labs, Bond Financial Technologies aims to streamline financial services, thereby improving customer lifetime value and promoting a more efficient banking experience.

Quassar Capital is a firm with a broad presence in the US, founded in 2012, which manages $23.6 billion in assets. Our people have extensive experience in various fields such as applied mathematics, statistical methods, financial markets, as well as advanced programming with a quantitative approach, which has allowed a sustained growth in recent years always betting on the most innovative technology and which is reflected in the excellent results towards our investors. Delivering high-quality returns requires unwavering focus, continuous adaptation to dynamic conditions, and the active pursuit of market opportunities. To achieve this, we invest significantly in technology and infrastructure and bring together diverse perspectives and approaches. Quassar Capital, L.P. a Cabrera Capital Markets, LLC company.

Capital Markets Gateway Inc. is a financial technology firm that specializes in modernizing the equity capital markets. Based in Chicago, Illinois, with additional locations in New York and Seattle, CMG offers a platform that provides real-time information and analytics to investors, underwriters, and issuers. Founded in 2015 and officially launched in 2017 by a team of experienced professionals, the platform enhances transparency and workflow efficiencies in capital raising activities. It enables users to monitor the capital raising landscape, conduct due diligence, and make informed investment decisions while facilitating collaboration between stakeholders. Currently, CMG's platform is utilized by over 100 buy-side firms and 10 investment banks, supporting a substantial amount of assets under management.

jSonar Inc. is a database security company that develops a comprehensive platform designed to monitor and protect enterprise databases. Established in 2013 and headquartered in Waltham, Massachusetts, the company provides a range of solutions including SonarWe, SONARW, jSONAR, and JSON Studio, which facilitate the secure management and analysis of data. jSonar's advanced technology supports on-premise and cloud implementations, offering tools that enable businesses to achieve compliance and data security efficiently. The platform incorporates machine learning and AI, transforming raw activity data into actionable insights for various applications, including security intelligence and customer analytics. jSonar serves industries such as financial services, healthcare, and insurance, positioning itself as a vital resource for organizations looking to enhance their data security frameworks.

Spark Systems, established in 2016 and headquartered in Singapore, specializes in operating an online foreign exchange (FX) trading platform. This FinTech startup, backed by industry veterans, caters primarily to institutional clients, offering a high-tech solution tailored to the unique needs of buy-side subgroups. The company's platform provides a stable, ultra-low latency marketplace, aggregating liquidity and employing algorithms to enhance usability and optimize user experience. This enables diverse participants, including local banks, hedge funds, retail traders, and corporate treasuries, to effectively trade in segmented and under-served FX markets.

Folio Financial, Inc. specializes in developing and supporting digital-first investment platforms for advisors and enterprises, offering brokerage, clearing, and custody solutions. Founded by former SEC commissioner Steven Wallman, the company has been dedicated to democratizing investing since the late 1990s. Folio is known for its innovative technologies such as fractional share investing, tax management tools, and online account management. The business includes Folio Institutional for RIAs and enterprises, Folio Investing and Folio First for retail investors, VIA Folio for private investments, First Affirmative Financial Network for responsible investment advisors, and The SRI Conference and Community for impact investing. Through a focus on access, automation, transparency, and flexibility, Folio has maintained a reputation for being at the forefront of the industry.

iCapital Network is a fintech platform for alternative investments and investors. It has transformed the way the wealth management, banking, and asset management industries facilitate access to private markets investments for their high-net-worth clients by providing intuitive, end-to-end technology and service solutions. Wealth management firms use iCapital’s solutions to provide clients with quality funds at lower minimums and simplified digital workflows. Asset managers, RIAs, and banks leverage iCapital’s technology to streamline and scale their alternative investments operational infrastructure. Additionally, the iCapital ‘flagship’ platform offers wealth advisors and their high-net-worth client's access to a curated menu of private equity, private credit, hedge funds, structured investments, and other alternatives to help meet their investing needs for return and diversification. iCapital’s research and diligence team offers robust analysis alongside the firm’s extensive suite of advisor education, compliance, portfolio management, and portfolio analytics tools and services. iCapital has been recognized on the Forbes FinTech 50 list each year from 2018 through 2002, the Forbes America’s Best Startup Employers in 2021 and 2022, and MMI/Barron’s Industry Awards as Solutions Provider of the Year in 2020 and 2021. As of May 31, 2022, iCapital services more than US$130 billion in global client assets, of which more than US$30 billion are from international investors (non-US Domestic), across more than 1,035 funds. Employing more than 800 people globally, iCapital is headquartered in NYC and has offices worldwide including in Zurich, London, Lisbon, Hong Kong, Singapore, and Toronto.

Jumo is a fintech company focused on delivering innovative financial solutions to customers in emerging markets across Africa and Asia. By leveraging artificial intelligence and machine learning, Jumo develops credit scores and financial products that empower partners to offer loans, savings, and diverse financial choices. The company's ultra-lean banking technology connects banks with traditionally inaccessible customers in cost-effective and responsible ways. Additionally, Jumo's money marketplace utilizes behavioral data from mobile usage to create financial identities for small and medium enterprises, enabling these customers to establish creditworthiness based solely on their behavior. This approach not only enhances access to financial services but also supports the growth of financial inclusion in underserved markets.

Jumo is a fintech company focused on delivering innovative financial solutions to customers in emerging markets across Africa and Asia. By leveraging artificial intelligence and machine learning, Jumo develops credit scores and financial products that empower partners to offer loans, savings, and diverse financial choices. The company's ultra-lean banking technology connects banks with traditionally inaccessible customers in cost-effective and responsible ways. Additionally, Jumo's money marketplace utilizes behavioral data from mobile usage to create financial identities for small and medium enterprises, enabling these customers to establish creditworthiness based solely on their behavior. This approach not only enhances access to financial services but also supports the growth of financial inclusion in underserved markets.

Jumo is a fintech company focused on delivering innovative financial solutions to customers in emerging markets across Africa and Asia. By leveraging artificial intelligence and machine learning, Jumo develops credit scores and financial products that empower partners to offer loans, savings, and diverse financial choices. The company's ultra-lean banking technology connects banks with traditionally inaccessible customers in cost-effective and responsible ways. Additionally, Jumo's money marketplace utilizes behavioral data from mobile usage to create financial identities for small and medium enterprises, enabling these customers to establish creditworthiness based solely on their behavior. This approach not only enhances access to financial services but also supports the growth of financial inclusion in underserved markets.

Trussle Lab Ltd, based in London, operates as an online mortgage broker, specializing in providing mortgage advice to first-time buyers and homeowners. Established in 2015, Trussle aims to simplify the mortgage process by moving it online, significantly reducing the time, hassle, and costs typically associated with securing a mortgage. The service is free for customers, with Trussle earning fees from lenders once a mortgage is successfully completed. As a trading style of Trussle Lab Ltd, the company is an appointed representative of Mortgage Advice Bureau Limited and is regulated by the Financial Conduct Authority. Utilizing automation and mortgage monitoring, Trussle effectively compares and tracks various mortgage products to help borrowers secure the most suitable deals for financing their homes.

ZestMoney is a consumer lending fintech company founded in 2016 by Priya Sharma, Lizzie Chapman, and Ashish Anantharaman. The company offers a digital lending platform that enables retail consumers to access small loans through Equated Monthly Installments (EMIs) without the requirement of a credit card or credit score. By leveraging mobile technology, digital banking, and artificial intelligence, ZestMoney aims to democratize access to financing for millions of Indian consumers. The platform utilizes AI and machine learning for effective risk profiling, allowing clients to build their credit profiles and improve their credit scores. ZestMoney collaborates with various financial institutions and non-banking financial companies to facilitate these loans, thereby enhancing financial inclusion.

Digital Asset is a New York-based company that specializes in distributed ledger technology aimed at enhancing financial processes. Founded in 2014 by Don Wilson, Eric Saraniecki, Sunil Hirani, and Yuval Rooz, the company provides a platform known as Daml, which allows organizations to create multi-party solutions that integrate previously isolated systems into cohesive networks. This technology eliminates latency and reduces errors by ensuring consistent data across various stakeholders. Digital Asset primarily serves sectors such as financial services, healthcare, and insurance, and has collaborated with five of the top ten stock exchanges. The company is supported by a range of strategic investors, including prominent firms like Salesforce, Samsung, and J.P. Morgan, positioning it as a leader in the development of tools for secure and efficient asset tracking and settlement.

MercadoLibre, Inc. is the leading online commerce platform in Latin America, offering a suite of services designed to facilitate buying and selling across various categories. Founded in 1999 and headquartered in Buenos Aires, Argentina, the company operates the MercadoLibre Marketplace, which allows businesses and individuals to list and sell products through a fixed-price or auction format. It also provides MercadoPago, an integrated payment solution that enables users to send and receive payments both on its marketplace and externally. Additional offerings include MercadoEnvios for logistics services, MercadoCredito for lending solutions, and MercadoFondo for asset management. The company also features a classifieds service for listings related to vehicles, real estate, and services, alongside MercadoLibre Advertising for brand promotion. Further, it offers MercadoShops, a software-as-a-service solution that helps users create and manage their online stores. With over 218 million active users and 1 million sellers, MercadoLibre operates in 18 countries, positioning itself as a comprehensive e-commerce and fintech ecosystem in the region.

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.

Deserve, Inc. is a financial services company based in Menlo Park, California, that specializes in providing credit cards and financial products to international students in the United States. Founded in 2012 and formerly known as Tremus, Inc., the company utilizes machine learning and alternative data to assess creditworthiness, allowing individuals without a traditional credit history to access fair credit products. Deserve employs various predictive attributes, including education, major, cost of education, source of initial funding, and future employability, to determine a student's ability to repay. The company operates a mobile-first credit card platform built on cloud-native and API-enabled architecture, enabling partnerships with financial institutions, fintechs, lenders, and merchant co-brands to deliver personalized experiences for cardholders.

dotData, Inc. is a technology company that specializes in data science automation and artificial intelligence development software. Founded in 2018 and headquartered in San Mateo, California, with an additional office in Tokyo, Japan, dotData offers solutions such as dotData Enterprise, which utilizes machine learning to create AI models and streamline the data science process, and dotDataPy, which provides users access to the automation platform. The company's offerings are designed to accelerate the data science lifecycle, making it more accessible and efficient for industries including banking, healthcare, insurance, fintech, manufacturing, marketing, and retail. As a spin-off of NEC Corporation, dotData is led by Dr. Ryohei Fujimaki, a notable figure in the field of data science.

DiligenceVault is a technology company that specializes in creating a digital diligence platform aimed at simplifying and transforming the due diligence processes employed by investors working with external managers. The platform fosters a many-to-many ecosystem that connects institutional investors, investment managers, and intermediaries, allowing for data-driven decision-making and process automation. By focusing on the elimination of manual, repetitive tasks, DiligenceVault empowers investors and asset managers to manage their data more effectively, enabling them to digitize and streamline their diligence operations. This approach significantly reduces the time required for data analysis, enhancing overall efficiency in the investment process.

Mission Lane LLC is a fintech company focused on providing credit card services to subprime consumers. Founded in 2018 and headquartered in Atlanta, Georgia, with additional offices in several U.S. states and Canada, Mission Lane utilizes advanced technology, data analytics, and machine learning to enhance its offerings. The company provides digital self-service tools that help customers manage their accounts and work towards improving their credit scores. By prioritizing transparency and user-friendly terms, Mission Lane aims to deliver a dignified customer experience, making it easier for individuals to access fair credit options and rebuild their financial lives.

Engine by MoneyLion is a financial technology company that specializes in embedded finance and marketplace platforms for financial services. The company offers a comprehensive suite of tools, including a search, comparison, and recommendation engine for various financial products, as well as tools for offer management and optimization. These services empower businesses to integrate financial products into their operations, enabling them to deliver personalized financial offers to their clients. Additionally, Engine by MoneyLion provides a diverse range of financial services, including loans, credit, insurance, and savings account solutions.

UCH Growth Value Ecology is a blockchain financial technology service provider, mainly engaged in blockchain financial technology related business.

Covalto, formerly known as Credijusto, is a financial technology company based in Mexico City that specializes in providing comprehensive financial solutions for small and medium-sized enterprises (SMEs). Founded in 2015, Covalto has developed a robust technology infrastructure that utilizes digital tax, e-invoice, and financial data to streamline the underwriting and servicing of SMEs. The company offers a multi-product credit platform, banking services, and a suite of business analytics tools, all designed to facilitate accessible and transparent credit for business growth. In 2021, Covalto distinguished itself as the first fintech in Mexico to acquire a regulated bank, further enhancing its digital banking and service offerings for SMEs.

Bud Financial is a pioneering company in the financial technology sector, specializing in open banking applications that connect individuals, banks, and service providers. Founded in 2015, Bud harnesses artificial intelligence to enrich financial data by analyzing transaction details such as merchant, category, and location. This enables banks and fintechs to gain valuable insights from customer transaction data, allowing for personalized banking experiences, improved risk management, and optimized business operations. With a robust platform that aggregates various bank accounts and spending into a unified interface, Bud facilitates seamless interactions between users and financial service providers. By processing tens of billions of transactions, the company helps financial institutions transform into intelligent enterprises, leveraging their customer data to uncover new growth opportunities.

Nutmeg, established in 2011 and headquartered in London, UK, is a pioneering online investment management service. It specializes in investments, ISAs, and pensions, offering a smart, secure, and straightforward approach to wealth management. The company's digital platform enables clients to access sophisticated global investment portfolios, keeping costs and charges low while boosting returns. With a six-year performance track record in the UK, Nutmeg is the first wealth manager of its kind, providing an intelligent and fair alternative to traditional investment management.

Capify UK is a provider of business finance specifically designed for small and medium-sized enterprises (SMEs) in the United Kingdom. Utilizing an innovative online technology platform, Capify disrupts traditional business loan models by offering loans of up to £50,000, with repayments tailored to align with the average turnover of each business. This approach allows for flexibility that supports a company's cash flow. In addition to straightforward business loans, Capify also offers services such as merchant cash advances, working capital funding, and equipment financing, ensuring that clients have access to the necessary resources to sustain and grow their operations. Qualified applicants can receive funds directly in their business bank accounts within days, facilitating quick access to capital when needed.

Access Fintech Limited is a fintech company that specializes in providing risk management services to banks and buy-side firms within the global financial services industry. Established in 2016 and headquartered in Tel Aviv-Yafo, Israel, the company has developed a platform that aggregates data from various internal systems, vendors, and outsourcers. This technology enables users to visualize the entire trade lifecycle and prioritize risks effectively. By offering a unified portal, Access Fintech allows financial institutions to analyze exceptions, understand associated risks, and adjust their priorities according to market conditions. The platform facilitates collaboration among teams by enabling the sharing of business exceptions and tracking usage patterns, while also connecting firms with fintech providers for software trials. Overall, Access Fintech enhances transparency and control within financial institutions, streamlining their operational models and improving risk management processes.

Plaid Inc. is a technology company that facilitates the connection between consumers' bank accounts and applications, aiming to democratize financial services through advanced technological solutions. Founded in 2012 and headquartered in San Francisco, it provides a comprehensive suite of APIs that enable developers to create financial products connecting users with traditional financial institutions. Plaid's offerings include tools for accessing transaction history and balance data, authenticating bank accounts for payments, verifying identities, and confirming real-time account balances and income. These products support various applications in personal finances, consumer payments, lending, banking, and business finance. With a focus on enhancing both consumer experiences and developer capabilities, Plaid serves a diverse range of clients, including Fortune 50 companies, positioning itself as a vital infrastructure provider in the digital financial landscape.

Huasheng Haoche, established in 2015 and headquartered in Beijing, operates as a new retail platform for automobiles, focusing on providing a seamless car buying experience. The company combines offline direct stores with online e-commerce to offer a comprehensive suite of services, including professional car purchase guidance, affordable financing options, and a range of automotive insurance products. Aimed at serving the greater China area, Huasheng Haoche emphasizes cost-effectiveness and customer satisfaction, enabling users to access low-priced new cars and enhancing their overall car ownership experience through quality services and engaging automotive lifestyles.

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.

Veem Inc. is a payment service provider that specializes in simplifying the process of sending and receiving funds for businesses. Founded in 2014 and headquartered in San Francisco, California, the company offers a platform that allows small and medium-sized enterprises to conduct transactions in local currencies. By utilizing blockchain technology as its payment rail, Veem eliminates the need for intermediary banks, which reduces costs and improves transaction efficiency. The platform enables real-time payment tracking, invoice generation, and the ability to upload mass documents, enhancing the overall user experience. Additionally, Veem provides integration services with accounting platforms, further streamlining financial operations for its users. The company also has offices in Kanata, Canada, and Shanghai, China.

Prodigy Finance Limited is an online platform headquartered in London, United Kingdom, that facilitates education loans for international postgraduate and MBA students. Established in 2006, the company connects student borrowers with a community of lenders, including alumni, institutional investors, and qualified private investors. Prodigy Finance specifically targets students pursuing master's degrees across 18 countries, aiming to enhance access to higher education for those who may lack traditional financing options. In addition to its loan services, the company offers a mobile app that allows users to manage and access their loan information conveniently. Through its community funding model, Prodigy Finance addresses the financial barriers that students face, making it easier for them to pursue their academic aspirations at premium business schools.

Jumo is a fintech company focused on delivering innovative financial solutions to customers in emerging markets across Africa and Asia. By leveraging artificial intelligence and machine learning, Jumo develops credit scores and financial products that empower partners to offer loans, savings, and diverse financial choices. The company's ultra-lean banking technology connects banks with traditionally inaccessible customers in cost-effective and responsible ways. Additionally, Jumo's money marketplace utilizes behavioral data from mobile usage to create financial identities for small and medium enterprises, enabling these customers to establish creditworthiness based solely on their behavior. This approach not only enhances access to financial services but also supports the growth of financial inclusion in underserved markets.

Jumo is a fintech company focused on delivering innovative financial solutions to customers in emerging markets across Africa and Asia. By leveraging artificial intelligence and machine learning, Jumo develops credit scores and financial products that empower partners to offer loans, savings, and diverse financial choices. The company's ultra-lean banking technology connects banks with traditionally inaccessible customers in cost-effective and responsible ways. Additionally, Jumo's money marketplace utilizes behavioral data from mobile usage to create financial identities for small and medium enterprises, enabling these customers to establish creditworthiness based solely on their behavior. This approach not only enhances access to financial services but also supports the growth of financial inclusion in underserved markets.

Axoni is a technology company specializing in real-time data replication solutions tailored for the financial industry. Established in 2017, it focuses on serving major financial institutions, including banks, asset managers, hedge funds, and market infrastructure firms worldwide, with offices located in New York and London. The company's platform facilitates the rapid and reliable deployment of critical financial networks, ensuring automated, real-time data replication among market participants. Additionally, Axoni develops distributed ledger software that integrates traditional financial technologies with blockchain capabilities, enhancing market information, trend analysis, and communication networks. This innovative approach allows financial entities to modernize their systems related to legal records, lifecycle events, and cash flow calculations, thereby improving operational efficiency and data management.

Engine by MoneyLion is a financial technology company that specializes in embedded finance and marketplace platforms for financial services. The company offers a comprehensive suite of tools, including a search, comparison, and recommendation engine for various financial products, as well as tools for offer management and optimization. These services empower businesses to integrate financial products into their operations, enabling them to deliver personalized financial offers to their clients. Additionally, Engine by MoneyLion provides a diverse range of financial services, including loans, credit, insurance, and savings account solutions.