FJ Labs

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.

Bondaval is a digital platform based in London that focuses on B2B credit security, aiming to transform traditional collateral-based instruments and trade credit insurance. Founded in 2020, Bondaval provides a more secure, capital-efficient, and cost-effective alternative to conventional methods such as bank guarantees. The platform allows for real-time issuance, amendment, renewal, and claims processing, enhancing the accessibility of credit security for businesses. By offering features like live risk monitoring, alerts, and streamlined claims handling, Bondaval enables companies to optimize their working capital and save time, ultimately supporting their growth by democratizing access to innovative credit solutions.

PVML is a data access platform founded in 2021 that focuses on providing fast and secure access to multiple data sources for development teams. The platform is designed to connect and protect sensitive data while enabling enterprises to gain live insights through the integration of artificial intelligence and data protection technologies. It caters to various users, including sales and marketing professionals, data analysts, and data scientists, allowing them to utilize sensitive data for analytics, monetization, and sharing. PVML's solution also offers administrators a centralized point for monitoring and controlling data access, thereby enhancing data privacy and utilization across organizations.

ValidMind specializes in artificial intelligence governance and risk management, focusing on the financial services sector's need to manage risks associated with AI and machine learning models. The company's platform automates essential elements of the AI/ML model risk management process, enhancing accuracy and consistency in documentation, validation, testing, and audit tracking. This solution enables financial institutions to effectively navigate the complexities of AI technologies while ensuring regulatory compliance and risk mitigation. ValidMind aims to foster a secure and ethical AI ecosystem, positioning itself as a key partner for organizations seeking to responsibly adopt AI advancements, including large language models. The team at ValidMind comprises experienced professionals with strong technical and academic backgrounds, committed to guiding clients through the evolving regulatory landscape and promoting societal well-being.

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.

January is a developer of a data-driven financial platform that focuses on providing end-to-end resolution services for delinquent and charged-off consumer loans. The platform aims to build and enforce trust in consumer finance by addressing the challenges faced by borrowers in delinquency and default, such as harassment, hidden fees, and damaged credit scores. At the same time, it helps creditors recover lost funds while mitigating compliance and operational risks. By utilizing technology, January offers a streamlined and effective resolution process that caters to the unique financial situations and preferences of borrowers, ultimately fostering a more trustworthy relationship between borrowers and creditors.

PVML is a data access platform founded in 2021 that focuses on providing fast and secure access to multiple data sources for development teams. The platform is designed to connect and protect sensitive data while enabling enterprises to gain live insights through the integration of artificial intelligence and data protection technologies. It caters to various users, including sales and marketing professionals, data analysts, and data scientists, allowing them to utilize sensitive data for analytics, monetization, and sharing. PVML's solution also offers administrators a centralized point for monitoring and controlling data access, thereby enhancing data privacy and utilization across organizations.

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.

Bondaval is a digital platform based in London that focuses on B2B credit security, aiming to transform traditional collateral-based instruments and trade credit insurance. Founded in 2020, Bondaval provides a more secure, capital-efficient, and cost-effective alternative to conventional methods such as bank guarantees. The platform allows for real-time issuance, amendment, renewal, and claims processing, enhancing the accessibility of credit security for businesses. By offering features like live risk monitoring, alerts, and streamlined claims handling, Bondaval enables companies to optimize their working capital and save time, ultimately supporting their growth by democratizing access to innovative credit solutions.

Sonarverse offers analytics, business intelligence, and data science services. They make blockchain data accessible through various access points in real time, understandable by in-house translation, and lightning fast with their data platform.

Unfolded is a developer of a geospatial analytics platform that helps perform data unification, enrichment, and visualization. Their platform combines, aggregates and correlates datasets by using GPU-based browser visualization combined with a backend for massive geospatial processing, enabling organizations to combine, aggregate and correlate datasets with different boundaries.

SmartAsset is an online platform dedicated to providing consumer-focused financial information and advice. It operates SmartAdvisor, a marketplace designed to connect consumers with financial advisors and products. The platform reaches approximately 75 million users each month through its educational content, personalized calculators, and decision-making tools, all aimed at helping individuals make informed financial choices related to home buying, retirement, and taxes. SmartAsset has gained recognition for its growth and innovation, having been ranked among the fastest-growing private companies and listed among the best financial planning technology companies. With a recent valuation exceeding $1 billion following a significant funding round, SmartAsset continues to enhance its offerings to empower users in their financial journeys.

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.

Agenteur operates an online recruiting platform that connects top tech talent with recruiters focused on finding suitable company culture matches. Utilizing machine learning, big data, neuroscience, and psychological analysis, Agenteur's platform helps job seekers identify optimal job matches while providing recruiters with effective talent acquisition tools. This approach enhances the visibility of both candidates and employers in the job market, ultimately aiming to improve workplace happiness by ensuring better alignment between individuals and organizations.

Habi is a technology-driven real estate company based in Bogotá, Colombia, founded in 2019. The firm focuses on simplifying the home buying and selling process for middle-class customers in Latin America by utilizing a proprietary pricing algorithm and scalable processes. Habi's platform aims to reduce the time and risks associated with traditional real estate transactions, allowing clients to buy and sell their homes more efficiently. By combining advanced analytical tools with human insight, Habi eliminates the need for intermediaries and provides clients with the necessary information to make informed decisions in the real estate market.

Kueski is a prominent buy now, pay later (BNPL) and online consumer lending company in Latin America, primarily serving the Mexican market. Founded in 2012, Kueski aims to simplify financial access for consumers through its innovative product offerings. The company's ecosystem includes Kueski Pay, a BNPL solution that facilitates purchases both online and in physical stores, and Kueski Cash, which provides personal loans. By utilizing advanced technologies such as artificial intelligence and big data, Kueski efficiently assesses credit and fraud risks, enabling rapid approval or rejection of loan applications within minutes. This approach helps clients meet their short-term financial needs. Kueski has successfully raised over $300 million in equity and debt financing and has been recognized in industry rankings, underscoring its significant impact on the financial landscape in Mexico.

CityBldr is a real estate platform that connects homeowners with builders and property developers. It leverages artificial intelligence and data science to provide insights on market rents and property valuations. The platform allows users to access detailed information on residential and commercial real estate, facilitating informed decision-making in real estate development and city planning. By utilizing advanced technology, CityBldr enables customers to compare the fair value of individual properties, enhancing transparency in the real estate market.

SmartAsset is an online platform dedicated to providing consumer-focused financial information and advice. It operates SmartAdvisor, a marketplace designed to connect consumers with financial advisors and products. The platform reaches approximately 75 million users each month through its educational content, personalized calculators, and decision-making tools, all aimed at helping individuals make informed financial choices related to home buying, retirement, and taxes. SmartAsset has gained recognition for its growth and innovation, having been ranked among the fastest-growing private companies and listed among the best financial planning technology companies. With a recent valuation exceeding $1 billion following a significant funding round, SmartAsset continues to enhance its offerings to empower users in their financial journeys.

Firstleaf is a personalized wine subscription service that utilizes extensive data analysis to curate wine shipments tailored to individual preferences. Founded by Philip James, a seasoned wine industry professional, the company combines advanced technology with expert winemaking to create unique Wine Profiles for its members. Each shipment is customized, with over 82 million potential combinations, resulting in 98% of monthly boxes being distinct. Firstleaf's team of winemakers evaluates more than 10,000 wines annually from across the globe to select high-quality offerings, with the brand boasting over 2,800 awards, including numerous 90+ point ratings. With over 700,000 cases sold last year, Firstleaf has gained recognition as a leading wine brand, attracting nearly one million customers since its launch. The company has received accolades such as being named one of Fast Company's Most Innovative Companies in the data science category and recognized as one of Wine Business Monthly's largest wineries.

Knowde operates an online marketplace focused on the chemical industry, enhancing the accessibility of trading chemicals, polymers, and industrial ingredients. Its platform utilizes advanced technologies, including deep learning and self-learning data models, to facilitate the search, filtering, sampling, quoting, and purchasing of products tailored to client specifications. By offering a comprehensive chemical taxonomy, Knowde empowers global chemical producers and distributors to transform their operations digitally. This innovative approach allows clients to compare and access products from suppliers worldwide, streamlining the procurement process in the chemical sector. The company has garnered support from prominent investors, highlighting its potential in revolutionizing how chemical transactions are conducted.

ContextLogic Inc., formerly known for its Wish ecommerce platform, is a technology-driven company specializing in the online retail sector. The company previously offered a global marketplace connecting consumers with merchants through a mobile shopping experience. Following a recent transaction, ContextLogic has sold its operating assets to Qoo10 and now focuses on leveraging its substantial net operating losses (NOLs) for future financial opportunities. ContextLogic continues to explore ways to maximize the value of these tax attributes while managing reduced operational expenses.