Fin Capital

Synctera Inc. is a digital banking solutions provider based in San Carlos, California, and was incorporated in 2020. The company specializes in offering technology infrastructure, sponsor bank connections, and a compliance framework to facilitate the launch of FinTech and embedded banking products for businesses of all sizes. Synctera’s platform employs a unified set of APIs, allowing companies to efficiently introduce and expand various financial products such as debit cards, bank accounts, charge cards, lines of credit, and money movement services. By examining the specific needs of traditional banks and connecting them with appropriate FinTech firms, Synctera manages relationships and regulatory compliance, enabling regional and community banks to transition to digital operations effectively.

Synctera Inc. is a digital banking solutions provider based in San Carlos, California, and was incorporated in 2020. The company specializes in offering technology infrastructure, sponsor bank connections, and a compliance framework to facilitate the launch of FinTech and embedded banking products for businesses of all sizes. Synctera’s platform employs a unified set of APIs, allowing companies to efficiently introduce and expand various financial products such as debit cards, bank accounts, charge cards, lines of credit, and money movement services. By examining the specific needs of traditional banks and connecting them with appropriate FinTech firms, Synctera manages relationships and regulatory compliance, enabling regional and community banks to transition to digital operations effectively.

Refine Intelligence is a technology company specializing in anti-money laundering solutions aimed at helping banks manage the rising operational costs associated with financial crime. The company has developed a proprietary artificial intelligence system that analyzes anti-money laundering alerts from transaction monitoring systems. By identifying legitimate customer activities and marking them as "greenflags," the AI significantly reduces the time required for investigations. Additionally, Refine Intelligence's approach focuses on understanding the life events that influence changes in users' financial behavior, enabling the establishment of a baseline for normal activity. This methodology improves the accuracy of alerts, reduces false positives, and enhances the overall risk management processes for financial institutions, ultimately fostering greater trust in financial transactions.

CapStack Technologies is a financial technology company that provides an integrated operating system for banks and financial services providers. Its platform facilitates collaboration among these institutions, enabling them to manage loan and deposit exposure more effectively, mitigate risks, and ultimately drive profitability and asset diversification.

OpenYield is a next-generation bond marketplace designed specifically for retail brokerages and advisors. The company aims to democratize access to the bond market by providing an equity-like trading environment for bonds sourced directly from algorithmic liquidity providers. This innovative platform empowers wealth management firms to enhance their fixed-income offerings while reducing operational costs. OpenYield is positioned to facilitate the growing trend of direct indexing in the fixed-income sector, thereby transforming the way retail investors and financial advisors engage with bond investments.

Power is a financial technology company specializing in providing credit card programs tailored for businesses, particularly high-growth brands. Founded by Randy Fernando and Andrew Dust, Power utilizes a cloud-native issuance platform to offer modern co-branded credit cards. The company's technology focuses on enhancing the connection between retailers and their customers through embedded banking experiences, enabling brands to build, launch, and scale customer-centric financial products efficiently.

Venn is a banking platform that integrates multi-currency-based accounts to assist transfers. Venn makes it simple to manage business banking needs. It provides currency exchange rates in Canada, local checking accounts in multiple currencies, domestic and international bank transfers, and a corporate Mastercard to help clients manage their spending.

Mistho is a fintech company that provides an open payroll API designed to facilitate the access and sharing of salary and employment information in Europe. The platform enables consumers to securely and easily share their income data with various third parties, including banks, insurance companies, and lenders, through a streamlined process. By integrating Mistho's app into existing workflows, businesses can simplify income verification, enhancing the consumer experience during activities such as renting property, leasing vehicles, or applying for loans. This solution eliminates the need for consumers to manually upload payslips or request documentation from their HR departments, as it allows them to log in to their payroll portals directly for verification. Mistho aims to improve the efficiency of income verification processes and support businesses in delivering superior services in the fintech sector.

Embed provides modern securities execution, clearing, settlement, and custody APIs for fintechs, broker-dealers, RIAs, banks, and trust companies.

Synctera Inc. is a digital banking solutions provider based in San Carlos, California, and was incorporated in 2020. The company specializes in offering technology infrastructure, sponsor bank connections, and a compliance framework to facilitate the launch of FinTech and embedded banking products for businesses of all sizes. Synctera’s platform employs a unified set of APIs, allowing companies to efficiently introduce and expand various financial products such as debit cards, bank accounts, charge cards, lines of credit, and money movement services. By examining the specific needs of traditional banks and connecting them with appropriate FinTech firms, Synctera manages relationships and regulatory compliance, enabling regional and community banks to transition to digital operations effectively.

Quilo is a digital, mobile-centric fintech platform that empowers community banks and credit unions to offer instant installment loans, known as "Quilos," to their account holders. Founded in 2020 and headquartered in Staten Island, New York, the company simplifies the lending process by enabling financial institutions to provide immediate access to funds without hidden fees. Quilo's platform facilitates the origination of long-term loans by allowing institutions to fractionally place funds across various loans, thereby enhancing their liquidity and offering much-needed financial products to customers at the point of sale or service.

SoFi, established in 2011 and headquartered in San Francisco, operates as a commercial bank offering a range of financial services. Primarily serving early-career professionals, SoFi provides personal loans, mortgage refinancing, and student loan assistance. Their wealth management services include retirement savings plans, investment products, and credit card offerings. Additionally, they provide small business financing solutions.