FJ Labs

NymCard is a payment processing platform founded in 2016, with operations based in Abu Dhabi, United Arab Emirates, and a subsidiary in London, United Kingdom. The company focuses on providing a comprehensive online payments solution that enhances user experience, security, and data management. NymCard offers mobile wallet solutions, card issuance and processing, and cloud-based services, allowing financial institutions in Africa and the Middle East to issue innovative digital payment products. By leveraging open APIs and mobile SDKs, NymCard enables clients to provide plastic, virtual, or tokenized cards to users quickly and efficiently, facilitating access to the digital economy. The platform aims to streamline the account opening process and ensure secure online transactions, addressing the challenges of low payment card penetration in its target regions.

Belvo is an open finance API platform based in Mexico City, founded in 2019. The platform allows users to connect their financial accounts to applications, facilitating access to and interpretation of financial data from end-users. By enabling businesses to understand user behavior and manage financial transactions, Belvo supports financial innovators in creating efficient solutions and generating new revenue streams. The platform is designed to provide a scalable way for developers to integrate financial information, enhancing the overall user experience in the financial services sector.

Simetrik, founded in 2017 and based in Bogotá, Colombia, provides verification and reconciliation services for transactional data, focusing on financial control and automation for corporate clients. The company offers a no-code/low-code platform that enhances efficiency and productivity, allowing finance and operations teams to customize and maintain automations for a variety of use cases. Simetrik's secure big data infrastructure supports high volumes of data while mitigating operational, compliance, and reputational risks. Currently, it reconciles $75 billion in total payment volume annually across 28 countries, serving notable clients such as Mercado Pago, Rappi Bank, and NuBank. The platform integrates various data sources, regardless of origin or format, enabling businesses to gain control over their financial movements and receive accurate results at a reduced cost.

Reworth is a developer of a payment relationship marketing platform that facilitates interactions between banks and merchants to enhance customer engagement. By leveraging anonymous transactional data, Reworth enables financial institutions to offer personalized merchant-funded cashback programs, which help increase customer loyalty and drive revenue. The platform's API infrastructure supports various services, including credit scoring, fraud prevention, B2B payments, and personal finance management, contributing to the future of Open Finance. Reworth equips its partners with valuable first-party data, real-time business intelligence, and competitor analysis, allowing them to accurately predict consumer behavior and create tailored experiences that resonate with customers.

QI Tech operates as a comprehensive banking-as-a-service platform focused on financial, credit, banking, and anti-fraud services. Licensed by the Brazilian Central Bank, the company provides a robust technological infrastructure that enables clients to effectively monetize their networks and engage stakeholders. Its intelligent platform ensures regulatory compliance while facilitating secure payment and credit services tailored to various business models. Additionally, QI Tech offers automated financial tools for debt issuance, credit analysis, and receivables management, thereby supporting the FinTech sector in the entry and management of banking systems.

Fourvenues provides a database that helps with access to a payment gateway for online sales, the reception of reservations, the control of spaces and tables, team management and PR, automatic reports and analytics, CRM, and a private database. Other services include guest list, tickets, reserved vip, crm, marketing, users, sales channels, reception, reporting, and microsites.

QI Tech operates as a comprehensive banking-as-a-service platform focused on financial, credit, banking, and anti-fraud services. Licensed by the Brazilian Central Bank, the company provides a robust technological infrastructure that enables clients to effectively monetize their networks and engage stakeholders. Its intelligent platform ensures regulatory compliance while facilitating secure payment and credit services tailored to various business models. Additionally, QI Tech offers automated financial tools for debt issuance, credit analysis, and receivables management, thereby supporting the FinTech sector in the entry and management of banking systems.

Simetrik, founded in 2017 and based in Bogotá, Colombia, provides verification and reconciliation services for transactional data, focusing on financial control and automation for corporate clients. The company offers a no-code/low-code platform that enhances efficiency and productivity, allowing finance and operations teams to customize and maintain automations for a variety of use cases. Simetrik's secure big data infrastructure supports high volumes of data while mitigating operational, compliance, and reputational risks. Currently, it reconciles $75 billion in total payment volume annually across 28 countries, serving notable clients such as Mercado Pago, Rappi Bank, and NuBank. The platform integrates various data sources, regardless of origin or format, enabling businesses to gain control over their financial movements and receive accurate results at a reduced cost.

Blobr is helping non-technical people to manage their APIs as products and drive forward the API economy.

TRIVER is a financial technology company that provides small businesses with immediate access to capital through an API-first platform. By utilizing Open Banking data and advanced AI models, TRIVER transforms the financing process for small enterprises across various industries. Its platform allows businesses to secure advance funds against their receivables, facilitating repayment via direct debit once clients settle their debts. This approach offers a simple and transparent fee structure for each transaction, enabling small and medium-sized enterprises to manage short-term cash flow needs efficiently. By partnering with digital service providers such as accounting software and digital banks, TRIVER delivers flexible capital solutions that streamline the financing experience for small businesses.

Blobr is helping non-technical people to manage their APIs as products and drive forward the API economy.

Paybook, Inc. operates a cloud-based financial platform designed to streamline money management for individuals, groups, and businesses. Founded in 2011 and based in Austin, Texas, the platform features a manual expense tracking system that facilitates the management of personal, social, and business finances. Users can access various financial accounts, collaborate with others, and efficiently manage company expenses while generating and tracking invoices. Additionally, the platform allows for the categorization of transactions by user-defined themes and provides tools for analyzing income and expenses. Paybook is committed to promoting financial inclusion and enhancing efficiency within traditional finance, particularly in Latin America's financial markets. Its financial API product, Syncfy, enables customers to access financial data from multiple sources, simplifying processes like payments and invoice management. The platform emphasizes security through advanced data protection measures, ensuring that funds cannot be transferred from within the system.

Kyte is an app for small businesses that helps sell more, manage better, and retain customers. Kyte is a selling application for anyone who needs control but has no time to waste. It is designed to give the owner and customers the best mobile phone experience.

NymCard is a payment processing platform founded in 2016, with operations based in Abu Dhabi, United Arab Emirates, and a subsidiary in London, United Kingdom. The company focuses on providing a comprehensive online payments solution that enhances user experience, security, and data management. NymCard offers mobile wallet solutions, card issuance and processing, and cloud-based services, allowing financial institutions in Africa and the Middle East to issue innovative digital payment products. By leveraging open APIs and mobile SDKs, NymCard enables clients to provide plastic, virtual, or tokenized cards to users quickly and efficiently, facilitating access to the digital economy. The platform aims to streamline the account opening process and ensure secure online transactions, addressing the challenges of low payment card penetration in its target regions.

Slope is a financial platform developer that provides a range of payment solutions for businesses. Its platform allows clients to manage various aspects of financial transactions, including loan processing, underwriting, debt collection, and payout management, once goods or services are delivered. By offering options such as credit card acceptance and invoice link generation, Slope enables businesses to facilitate installment payments at checkout. This approach not only helps improve cash flow and financial security for businesses but also reduces administrative burdens and enhances the overall customer experience. The platform is designed for easy integration with existing systems, making it a versatile solution for companies seeking to streamline their financial operations.

Topsort specializes in AI-powered auction tools and infrastructure APIs. Topsort's solutions help brands build profitable ad businesses without relying on third-party cookies or invasive user tracking. The company's offerings include a turnkey retail media platform, a unified ad network, and advanced data analytics capabilities that deliver exceptional returns on ad spend.

Dome Global helps companies to launch, manage, and expand microservices without requiring huge DevOps teams.

Reworth is a developer of a payment relationship marketing platform that facilitates interactions between banks and merchants to enhance customer engagement. By leveraging anonymous transactional data, Reworth enables financial institutions to offer personalized merchant-funded cashback programs, which help increase customer loyalty and drive revenue. The platform's API infrastructure supports various services, including credit scoring, fraud prevention, B2B payments, and personal finance management, contributing to the future of Open Finance. Reworth equips its partners with valuable first-party data, real-time business intelligence, and competitor analysis, allowing them to accurately predict consumer behavior and create tailored experiences that resonate with customers.

Solarisbank operates as a Banking-as-a-Service platform, holding a full German banking license and specializing in embedded finance. The company enables businesses to seamlessly integrate a range of financial services, including digital bank accounts, payment cards, consumer and SME lending, and identification services, through a suite of APIs. By leveraging blockchain technology, Solarisbank allows companies to customize their banking solutions, facilitating cashless payments and enhancing customer engagement. With a significant investment backing from notable shareholders, Solarisbank is committed to increasing accessibility and efficiency in the financial sector, driving innovation to empower businesses with comprehensive digital financial solutions.

Belvo is an open finance API platform based in Mexico City, founded in 2019. The platform allows users to connect their financial accounts to applications, facilitating access to and interpretation of financial data from end-users. By enabling businesses to understand user behavior and manage financial transactions, Belvo supports financial innovators in creating efficient solutions and generating new revenue streams. The platform is designed to provide a scalable way for developers to integrate financial information, enhancing the overall user experience in the financial services sector.

Topsort specializes in AI-powered auction tools and infrastructure APIs. Topsort's solutions help brands build profitable ad businesses without relying on third-party cookies or invasive user tracking. The company's offerings include a turnkey retail media platform, a unified ad network, and advanced data analytics capabilities that deliver exceptional returns on ad spend.

LoginID Inc. is a cybersecurity company based in Toronto, Canada, that specializes in secure biometrics software. Founded in 2018, LoginID focuses on enhancing security for websites, applications, and eCommerce platforms by integrating biometric authentication features. The company aims to lead the market in user identity protection, offering individuals secure control over their personal information through a decentralized network that complies with privacy regulations. LoginID addresses privacy and compliance challenges using three main pillars: Strong Customer Authentication, Data Privacy, and Tokenization of Personally Identifiable Information (PII). It provides a variety of APIs and SDKs that allow enterprises to implement FIDO-certified authentication quickly and cost-effectively, ensuring compliance with regulations such as PSD2 and GDPR while simplifying the integration of strong authentication solutions.

Figment Networks Inc. is a leading blockchain infrastructure and software provider based in Toronto, Canada, established in 2018. The company develops and operates an open-source crypto network, focusing on enhancing community engagement through tools that facilitate understanding of network health and performance for informed staking decisions. Figment supports various crypto networks, including Tezos, Cosmos, Livepeer, and Horizen. It offers a comprehensive suite of services, such as enterprise-grade node and staking infrastructure, the Hubble Web 3 explorer, and DataHub developer APIs, aimed at simplifying the use, development, and governance of blockchains for token holders and developers alike. Additionally, Figment publishes open-source software and economic research to further benefit the blockchain community.

PeerBoard is a plug and play community platform with a heavy focus on user experience and deep integrations, including our WordPress, Shopify and Thinkific plugins and rich SDK/API capabilities. Extend your website with a community space!

SWAP provides a modular payment platform that enables companies to enhance their financial operations through innovative technology and a unique business model. By offering APIs for end-to-end, white-label financial solutions, SWAP allows clients to create comprehensive financial ecosystems that include features such as pre-paid cards, digital wallets, and various financial services. This platform facilitates secure money disbursements to merchants, assists with fund collection and bill payments, and supports peer-to-peer transactions via QR codes. By integrating these services, SWAP empowers businesses to expand their core offerings, eliminate barriers, and develop new revenue streams, effectively establishing internal fintech capabilities.

Aprila Bank is a technology-driven financial services provider focused on delivering automated lending solutions to small and medium-sized enterprises (SMEs). The company utilizes an API-based platform, which connects with approximately 130,000 SMEs through partnerships with prominent online accounting systems and other relevant service providers. By leveraging in-house developed machine learning models, Aprila Bank predicts lending outcomes and assesses risk using both real-time data and traditional credit information. This approach enables the company to offer credit lines that enhance the borrowing experience for SMEs, ensuring efficiency and accessibility in the lending process.

Aprila Bank is a technology-driven financial services provider focused on delivering automated lending solutions to small and medium-sized enterprises (SMEs). The company utilizes an API-based platform, which connects with approximately 130,000 SMEs through partnerships with prominent online accounting systems and other relevant service providers. By leveraging in-house developed machine learning models, Aprila Bank predicts lending outcomes and assesses risk using both real-time data and traditional credit information. This approach enables the company to offer credit lines that enhance the borrowing experience for SMEs, ensuring efficiency and accessibility in the lending process.

Figment Networks Inc. is a leading blockchain infrastructure and software provider based in Toronto, Canada, established in 2018. The company develops and operates an open-source crypto network, focusing on enhancing community engagement through tools that facilitate understanding of network health and performance for informed staking decisions. Figment supports various crypto networks, including Tezos, Cosmos, Livepeer, and Horizen. It offers a comprehensive suite of services, such as enterprise-grade node and staking infrastructure, the Hubble Web 3 explorer, and DataHub developer APIs, aimed at simplifying the use, development, and governance of blockchains for token holders and developers alike. Additionally, Figment publishes open-source software and economic research to further benefit the blockchain community.

Aleph is a company that provides a cloud-based platform aimed at enhancing e-commerce for brands, particularly in the Aftermarket Automotive industry. It facilitates visibility into online sales across various marketplaces, including Mercado Libre, Amazon, and Shopee. By enabling brands to connect with resellers, Aleph allows for the sharing of catalogs and inventory, which helps increase sales and market share while optimizing logistics costs. The platform standardizes distributor catalogs and integrates supply and online sales processes, allowing companies to list their products on e-commerce sites and receive automatic updates on stock and pricing. This comprehensive approach connects the commercial chain, ultimately driving revenue growth for its users.

Aprila Bank is a technology-driven financial services provider focused on delivering automated lending solutions to small and medium-sized enterprises (SMEs). The company utilizes an API-based platform, which connects with approximately 130,000 SMEs through partnerships with prominent online accounting systems and other relevant service providers. By leveraging in-house developed machine learning models, Aprila Bank predicts lending outcomes and assesses risk using both real-time data and traditional credit information. This approach enables the company to offer credit lines that enhance the borrowing experience for SMEs, ensuring efficiency and accessibility in the lending process.

Aprila Bank is a technology-driven financial services provider focused on delivering automated lending solutions to small and medium-sized enterprises (SMEs). The company utilizes an API-based platform, which connects with approximately 130,000 SMEs through partnerships with prominent online accounting systems and other relevant service providers. By leveraging in-house developed machine learning models, Aprila Bank predicts lending outcomes and assesses risk using both real-time data and traditional credit information. This approach enables the company to offer credit lines that enhance the borrowing experience for SMEs, ensuring efficiency and accessibility in the lending process.

ShipBob Inc. is a technology company that specializes in providing online shipping and fulfillment services tailored for small e-commerce businesses. Founded in 2014 and headquartered in Chicago, Illinois, ShipBob offers an end-to-end fulfillment solution that includes warehousing, order management, and package delivery, enabling direct-to-consumer brands to ship products within 1-2 business days. Its platform integrates with various e-commerce platforms such as Shopify, Amazon, and eBay, allowing merchants to manage orders, track inventory, and communicate with customers effectively. ShipBob's services encompass pickup, packaging, batch fulfillment, and returns, supported by a network of fulfillment centers across the United States, including a key facility in Dallas, Texas. The company also provides a smartphone application for scheduling pickups and tracking shipments.

Stripe, Inc. is a technology company that develops application programming interfaces (APIs) and tools to facilitate online payment processing for businesses. Its offerings include a range of services such as a developer toolkit for payments, subscription management, and a routing engine for handling third-party payouts. Additionally, Stripe provides analytics tools for business insights, fraud detection, customizable payment forms, and an embeddable checkout solution that works across various devices. The company supports a wide array of payment methods, including major credit and debit cards, and caters to diverse sectors such as e-commerce, B2B platforms, and non-profits. Established in 2009 and headquartered in San Francisco, California, Stripe operates in multiple international markets including Canada, the UK, Australia, and several European countries. The company also offers Stripe Capital, which provides businesses with flexible financing options based on their payment history, helping them manage cash flow and invest in growth.

With a global mission to “make the healthcare experience more human”, Docplanner creates digital apps and software solutions for doctors, clinics, hospitals and patients to enable the healthcare ecosystem and the patient journey to work together more seamlessly. With free doctor reviews and instant online appointment booking for patients through its online marketplaces, Docplanner has a network of almost 2 million healthcare professionals, serves over 260,000 customers globally with over 22m patient appointments booked per month, and operates in 13 countries across Europe and LATAM. Doctors and clinics count on Docplanner to facilitate scheduling, booking, communication and payments for millions of patients a month. Through its innovative and user-friendly software, doctors and clinics can optimize patient flows, reduce costly no-shows and completely digitize their practices - all resulting in valuable time savings that can instead be used to improve patient outcomes and experiences. Via its TuoTempo brand, the company offers a more sophisticated suite of optimisation products for large healthcare institutions. Docplanner was founded in 2012 in Poland and now boasts a team of more than 2,800 based across offices in Warsaw, Barcelona, Istanbul, Rome, Mexico City, Munich, Berlin, Rio, Curitiba, Bologna and our Amsterdam headquarter. It is backed by leading venture capital funds, including Point Nine Capital, Goldman Sachs Private Capital and One Peak Partners, raising a total of approximately €400 million to date.

AppNexus Inc. is a technology company that specializes in a cloud-based platform designed to enhance programmatic online advertising. Founded in 2007 and headquartered in New York City, the company provides tools for both advertisers and publishers to maximize campaign performance and revenue. Its offerings include a comprehensive digital advertising delivery platform, the AppNexus Publisher Suite for ad serving and campaign management, and PriceCheck, a header bidding solution for various ad formats. AppNexus also features an application platform that allows third-party vendors and existing clients to develop customized features. By leveraging data and machine learning, AppNexus aims to optimize the real-time buying and selling of digital advertising, catering to the needs of marketers, agencies, and publishers. The company operates as a subsidiary of Xandr, Inc., with additional offices located in the United States and internationally.

Sourcery is developing a payments and commerce platform that focuses on the wholesale foodservice industry, a $220B market that still runs on 1980s technology: buyers search for products in paper catalogs, submit orders by fax or phone, and deal with paper invoices and checks. Sourcery's platform brings all of these transactions online. Sourcery enables companies of all sizes to handle their AP needs in one place. We turn a stack of invoices into a boatload of insights automagically. We work with leading restaurateurs, operators and accountants to build the best accounts payable solution for the industry. Owners and executives of multi-unit restaurant organizations rely on Sourcery to provide a scalable solution to help them create efficiencies, and, ultimately, grow their business, while impacting their bottom line. Sourcery integrates with most accounting software and restaurant management applications. We use a combination of computation and human verification to have the best in class extraction of structured data from invoices down the the line item. Our data analytics automatically detect anomalies and notify purchasers about rising prices. Customers include Palantir, Dropbox, Airbnb, Stripe as well as restaurants, caterers, and other food businesses. Call toll free on +1-(866)830-0691

Button, Inc. is a mobile commerce technology company that provides a platform for brands to establish partnerships that enhance commerce. Its offerings include DeepLink Commerce, which extends application functionalities across a network of complementary apps, and the Button SDK, which facilitates cross-application features. The Button API enables developers to foster user engagement through loyalty initiatives and enhances acquisition and re-engagement strategies. Additionally, Button offers tools to model user loyalty, adjust shopping carts at checkout, and optimize mobile partnerships for travel companies. Since its founding in 2014, Button has driven over $3 billion in spending and has raised over $64 million in venture capital, positioning itself as a leader in mobile commerce enablement. The company is headquartered in New York, New York.

NOAH is a financial services company that focuses on facilitating seamless cross-border transactions. It offers a range of application solutions for trading in Bitcoin and integrates modern financial systems with traditional banking services. The company provides features such as currency conversion, business-to-business payments, and instant settlements. These services help businesses and individuals expedite transactions, streamline treasury operations, and maintain rapid liquidity flow across various currencies worldwide.