FJ Labs

Comun is a digital banking platform tailored for Latinos in the United States, offering a user-friendly app that enables quick application for FDIC-secured deposit accounts and VISA debit cards in under two minutes. The platform provides access to over 55,000 ATMs across North America and prioritizes customer service in both Spanish and English. Comun enhances financial security through advanced fraud detection features and facilitates free and instant transfers via its internal payments platform, ComunYa. Additionally, users can connect Direct Deposit to receive their paychecks up to two days early, promoting financial stability and freedom among its customers.

Flowie is a developer of an invoicing platform designed to streamline financial transactions between companies. The platform automates workflows and invoice processes by integrating procure-to-pay and order-to-cash systems, ensuring compliance with EU regulations. By centralizing accounts receivable and payable information, Flowie enables organizations to efficiently manage their invoicing needs, providing clients with essential insights into payments from customers and disbursements to suppliers. This approach enhances the overall efficiency of financial operations within businesses, facilitating smoother money movements and improved cash flow management.

Comun is a digital banking platform tailored for Latinos in the United States, offering a user-friendly app that enables quick application for FDIC-secured deposit accounts and VISA debit cards in under two minutes. The platform provides access to over 55,000 ATMs across North America and prioritizes customer service in both Spanish and English. Comun enhances financial security through advanced fraud detection features and facilitates free and instant transfers via its internal payments platform, ComunYa. Additionally, users can connect Direct Deposit to receive their paychecks up to two days early, promoting financial stability and freedom among its customers.

ValidMind specializes in AI governance and risk management for the financial services industry. Its platform automates key aspects of AI/machine learning model risk management, enhancing accuracy, consistency, and transparency in documentation, validation, testing, and audit tracking. The company's solution enables financial institutions to navigate AI challenges responsibly while ensuring regulatory compliance and mitigating risks. Led by experienced professionals with strong technical backgrounds, ValidMind aims to create a secure and ethical AI ecosystem within the financial sector, serving as a trusted partner for organizations adopting AI technologies, including large language models.

Lend provides a platform for companies to ease the process of setting up credit operations in full compliance with regulatory policies.

Simetrik INC is a company based in Bogotá, Colombia, specialized in providing verification services for transactional data. Founded in 2017, it offers big data solutions that enhance financial control and automate processes for corporate clients. Simetrik's platform enables businesses to reconcile diverse sources of information, regardless of their origin or format, ensuring accuracy and reducing operational costs. Utilizing a No Code/Low Code approach, the company empowers finance and operations teams to customize and maintain automated solutions across various use cases and geographic locations. With a robust, secure big data infrastructure, Simetrik manages high data volumes, mitigating compliance and reputational risks. The company processes $75 billion in total payment volume annually and serves a notable client base, which includes major financial entities like Mercado Pago and Bancolombia.

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.

QI Tech is a Brazilian company that provides a comprehensive banking-as-a-service platform, specializing in financial, credit, banking, and anti-fraud services. It holds both SCD and DTVM licenses from the Brazilian Central Bank, allowing it to deliver a complete technological infrastructure for clients and partners. The company's platform integrates regulatory compliance with intelligent technology, enabling clients to securely offer payment and credit services customized to their specific business models. QI Tech's offerings include automated financial tools for debt issuance, credit analysis, and receivables management, thereby facilitating the entry and management of banking systems within the FinTech market.

Shyft Network Inc, founded in 2017 and based in Barbados, operates a blockchain-based digital identity network aimed at enhancing regulatory compliance and data security. As a subsidiary of Bitfury USA, Inc., Shyft focuses on aggregating existing protocols to create a standardized approach to anti-money laundering verification. The network offers robust data protection and features such as a bridge watcher system to detect and deter threats. It provides users with granular control over their information, allowing them to decide what data to share, with whom, and for what purposes. Shyft also facilitates incentivized data exchange, enabling businesses to improve personal information security while accessing valuable compliance-satisfying data.

QI Tech is a Brazilian company that provides a comprehensive banking-as-a-service platform, specializing in financial, credit, banking, and anti-fraud services. It holds both SCD and DTVM licenses from the Brazilian Central Bank, allowing it to deliver a complete technological infrastructure for clients and partners. The company's platform integrates regulatory compliance with intelligent technology, enabling clients to securely offer payment and credit services customized to their specific business models. QI Tech's offerings include automated financial tools for debt issuance, credit analysis, and receivables management, thereby facilitating the entry and management of banking systems within the FinTech market.

Simetrik INC is a company based in Bogotá, Colombia, specialized in providing verification services for transactional data. Founded in 2017, it offers big data solutions that enhance financial control and automate processes for corporate clients. Simetrik's platform enables businesses to reconcile diverse sources of information, regardless of their origin or format, ensuring accuracy and reducing operational costs. Utilizing a No Code/Low Code approach, the company empowers finance and operations teams to customize and maintain automated solutions across various use cases and geographic locations. With a robust, secure big data infrastructure, Simetrik manages high data volumes, mitigating compliance and reputational risks. The company processes $75 billion in total payment volume annually and serves a notable client base, which includes major financial entities like Mercado Pago and Bancolombia.

Comun is a digital banking platform tailored for Latinos in the United States, offering a user-friendly app that enables quick application for FDIC-secured deposit accounts and VISA debit cards in under two minutes. The platform provides access to over 55,000 ATMs across North America and prioritizes customer service in both Spanish and English. Comun enhances financial security through advanced fraud detection features and facilitates free and instant transfers via its internal payments platform, ComunYa. Additionally, users can connect Direct Deposit to receive their paychecks up to two days early, promoting financial stability and freedom among its customers.

Simple, safe, and compliant access to web3

Simple, safe, and compliant access to web3

Fonoa is a tax automation platform that provides businesses with a comprehensive solution for managing tax compliance and obligations. The company's software enables users to authenticate tax IDs, compute applicable taxes, generate e-invoices, report transactions, and file tax returns seamlessly. By automating the determination and calculation of tax rates for sales transactions, Fonoa helps streamline the entire transactional process. Additionally, it offers services such as invoicing compliance and country-specific reporting, allowing tax managers to efficiently handle their responsibilities while reducing stress associated with tax compliance.

Whistic, Inc. is a software-as-a-service (SaaS) company founded in 2015 and headquartered in Pleasant Grove, Utah. It operates an AI-powered platform designed to help organizations evaluate and manage the IT security risks associated with their SaaS vendors. Whistic's platform streamlines the vendor risk assessment process, allowing information security and compliance teams to establish effective third-party risk management programs. The solution offers a centralized repository for security and compliance documentation, facilitating easier responses to security review requests and aiding in regulatory compliance. Additionally, Whistic features a unique Trust Catalog that connects vendors with their customers, enabling seamless exchange of security and compliance information. This comprehensive approach significantly reduces the risk of data breaches and enhances customer trust in the vendor relationship.

CountX is a company that specializes in automating the collection and processing of tax-relevant data, focusing on compliance with international sales tax regulations. It operates a value-added tax automation platform designed to simplify the complexities of value-added tax compliance for online retailers. By integrating with Amazon seller accounts and enterprise resource planning systems, CountX's platform automatically pulls, processes, and verifies data necessary for value-added tax returns. This approach provides a comprehensive solution for e-commerce businesses, enabling them to efficiently manage their sales tax obligations in a single, user-friendly interface.

Simetrik INC is a company based in Bogotá, Colombia, specialized in providing verification services for transactional data. Founded in 2017, it offers big data solutions that enhance financial control and automate processes for corporate clients. Simetrik's platform enables businesses to reconcile diverse sources of information, regardless of their origin or format, ensuring accuracy and reducing operational costs. Utilizing a No Code/Low Code approach, the company empowers finance and operations teams to customize and maintain automated solutions across various use cases and geographic locations. With a robust, secure big data infrastructure, Simetrik manages high data volumes, mitigating compliance and reputational risks. The company processes $75 billion in total payment volume annually and serves a notable client base, which includes major financial entities like Mercado Pago and Bancolombia.

Dinara is a financial technology company that specializes in enterprise banking services, focusing on the integration of crypto and fiat assets within a single platform. The company's solution enables enterprises to securely hold and transact both types of assets efficiently. Dinara's platform supports multiple users per account, manages various legal entities, and establishes permissions to mitigate risk. It also streamlines user onboarding through simplified Know Your Customer (KYC) processes and sign-up workflows, ensuring that enterprises can operate and transact with confidence and minimal friction.

Comun is a digital banking platform tailored for Latinos in the United States, offering a user-friendly app that enables quick application for FDIC-secured deposit accounts and VISA debit cards in under two minutes. The platform provides access to over 55,000 ATMs across North America and prioritizes customer service in both Spanish and English. Comun enhances financial security through advanced fraud detection features and facilitates free and instant transfers via its internal payments platform, ComunYa. Additionally, users can connect Direct Deposit to receive their paychecks up to two days early, promoting financial stability and freedom among its customers.

Fonoa is a tax automation platform that provides businesses with a comprehensive solution for managing tax compliance and obligations. The company's software enables users to authenticate tax IDs, compute applicable taxes, generate e-invoices, report transactions, and file tax returns seamlessly. By automating the determination and calculation of tax rates for sales transactions, Fonoa helps streamline the entire transactional process. Additionally, it offers services such as invoicing compliance and country-specific reporting, allowing tax managers to efficiently handle their responsibilities while reducing stress associated with tax compliance.

LoginID Inc., established in 2018 and based in Toronto, Canada, specializes in designing and developing secure biometrics software for cybersecurity. It offers a platform that enhances security across various devices, including smartphones, tablets, and PCs. LoginID's core solution adds robust biometric security features to websites, applications, and eCommerce platforms, aiming to protect user identities globally while ensuring compliance with regulations such as PSD2 and GDPR. The company provides APIs and SDKs for easy integration of FIDO-certified authentication in just 15 minutes, enabling enterprises to scale strong authentication at low costs while maintaining data privacy through tokenization of personally identifiable information (PII).

Fonoa is a tax automation platform that provides businesses with a comprehensive solution for managing tax compliance and obligations. The company's software enables users to authenticate tax IDs, compute applicable taxes, generate e-invoices, report transactions, and file tax returns seamlessly. By automating the determination and calculation of tax rates for sales transactions, Fonoa helps streamline the entire transactional process. Additionally, it offers services such as invoicing compliance and country-specific reporting, allowing tax managers to efficiently handle their responsibilities while reducing stress associated with tax compliance.

Whistic, Inc. is a software-as-a-service (SaaS) company founded in 2015 and headquartered in Pleasant Grove, Utah. It operates an AI-powered platform designed to help organizations evaluate and manage the IT security risks associated with their SaaS vendors. Whistic's platform streamlines the vendor risk assessment process, allowing information security and compliance teams to establish effective third-party risk management programs. The solution offers a centralized repository for security and compliance documentation, facilitating easier responses to security review requests and aiding in regulatory compliance. Additionally, Whistic features a unique Trust Catalog that connects vendors with their customers, enabling seamless exchange of security and compliance information. This comprehensive approach significantly reduces the risk of data breaches and enhances customer trust in the vendor relationship.

Shyft Network Inc, founded in 2017 and based in Barbados, operates a blockchain-based digital identity network aimed at enhancing regulatory compliance and data security. As a subsidiary of Bitfury USA, Inc., Shyft focuses on aggregating existing protocols to create a standardized approach to anti-money laundering verification. The network offers robust data protection and features such as a bridge watcher system to detect and deter threats. It provides users with granular control over their information, allowing them to decide what data to share, with whom, and for what purposes. Shyft also facilitates incentivized data exchange, enabling businesses to improve personal information security while accessing valuable compliance-satisfying data.

Whistic, Inc. is a software-as-a-service (SaaS) company founded in 2015 and headquartered in Pleasant Grove, Utah. It operates an AI-powered platform designed to help organizations evaluate and manage the IT security risks associated with their SaaS vendors. Whistic's platform streamlines the vendor risk assessment process, allowing information security and compliance teams to establish effective third-party risk management programs. The solution offers a centralized repository for security and compliance documentation, facilitating easier responses to security review requests and aiding in regulatory compliance. Additionally, Whistic features a unique Trust Catalog that connects vendors with their customers, enabling seamless exchange of security and compliance information. This comprehensive approach significantly reduces the risk of data breaches and enhances customer trust in the vendor relationship.

Confident LIMS is a technology company focused on enhancing transparency in the legal cannabis sector. It operates the largest real-time database of legal cannabis, offering free software specifically designed for cannabis testing laboratories. This platform facilitates communication between producers and consumers, enabling producers to showcase product quality and potentially command higher prices. Retailers benefit from the ability to rate their supply, leading to more informed purchasing decisions. Additionally, consumers gain insights into product ingredients, promoting confidence in their purchases. The platform combines an intuitive interface with a network of laboratories and testing clients, allowing labs to attract and retain customers, streamline workflows, and ensure that clients receive lab-tested products from licensed and compliant vendors.

Securitize, Inc. operates a compliance platform designed for the issuance and management of digital securities. Founded in 2017 and based in Redwood City, California, the company facilitates various services for issuers, including digital security issuance, document handling, investor communications, and accreditation. For investors, Securitize offers features such as wallet management, an investor dashboard, and token distribution. The platform also includes support services like fiat and crypto escrow, along with custodial services. Securitize is distinguished as the only SEC Registered Transfer Agent integrated with multiple regulated U.S.-based marketplaces, enabling eligible investors to own, manage, and trade digital securities across sectors like equity, funds, fixed income, and real estate. The company's approach enhances transparency, liquidity, and efficiency in the tokenization process, while also providing KYC/AML and capital management services.

FairClaims is an online dispute resolution platform that offers a streamlined and cost-effective approach to handling disputes for enterprises. The platform features a range of online tools, including mediated chat and video arbitration, which allow companies to resolve conflicts efficiently, regardless of their access to legal counsel or other resources. By enhancing the dispute resolution process, FairClaims aims to increase access to justice for all parties involved.

Archblock is a financial technology company that focuses on bridging institutional capital with decentralized finance (DeFi) through innovative web3-enabled products. Founded in 2017 and based in San Francisco, Archblock operates the TrustToken platform, which facilitates the creation of asset-backed tokens for global trading. The company emphasizes transparency and accessibility in lending by connecting institutional lenders and fund managers to DeFi markets. Its offerings include a modular suite of tools that allows institutions to create and manage stablecoins, tokenize real-world assets, and securely manage portfolios. Archblock's platform ensures compliance with fiduciary responsibilities and provides a legal framework that enforces smart contract terms, thereby enhancing the integrity of financial transactions.