FJ Labs

Tomo is a fintech company specializing in digitizing residential mortgages and enhancing the home-buying process. It operates through Tomo Mortgage and Tomo Real Estate, with the latter serving as an AI-driven real estate portal.

Belvo is an open finance API platform founded in 2019 and headquartered in Mexico City. The company enables financial innovators to connect their users' accounts to various applications, facilitating the access and interpretation of financial data in a straightforward and scalable manner. Belvo's platform allows developers to gain insights into user behavior and manage financial transactions efficiently, thus helping businesses to streamline operations and create new revenue opportunities through a unified open finance solution.

TRIVER offers instant capital access to small businesses via its API-first platform. Utilizing Open Banking data and AI models, TRIVER enables partners like accounting software and digital banks to provide flexible financing solutions tailored to their clients' cash flow needs.

Float provides comprehensive financial services tailored for businesses at all stages. Their offerings include corporate cards, bill payment, expense management, and high-yield accounts, empowering finance teams to efficiently manage spending and cash flow.

Wurthy specializes in developing financial software and payment solutions that help businesses reduce credit card fees, optimize financial transactions, and improve earnings. The company offers tools to streamline payments and cash flow across various industries. It also provides access to credit lines aimed at boosting sales and generating recurring revenue, including peer-to-peer payments with safe and flexible options for creditworthy buyers, enabling merchants to attract buyers while earning interest on sales.

Crescenta is a Spanish fintech company specializing in digital investment platforms for private equity funds. It provides access to top-tier international products, previously inaccessible, along with educational resources on personal finance and investments.

Founded in 2021, Accumulator is a private equity firm based in Miami, Florida. It invests in innovative technologies across fintech, consumer apps, SaaS, aerospace, mobility, gaming, and food tech sectors.

Principia is a fintech company specializing in financial solutions for educational institutions. It guarantees universities receipt of 100% of undergraduate tuition fees on schedule, advancing funds and managing billing collections to improve cash flow predictability. Additionally, Principia offers postgraduate financing options and provides a comprehensive checkout solution, PrincipiaPay, for content creators and short-term courses.

Optifino is a financial technology company specializing in intuitive visualization dashboards for the life insurance industry. It offers insights across various carriers, facilitates ongoing policy reviews, and integrates client goals to enhance estate planning by improving death benefits and premium management.

CredAluga is a Brazilian B2B2C fintech company that specializes in providing innovative financial solutions for the real estate sector. It partners with real estate agencies, offering technology-driven, credit-based services that aim to make renting more accessible and secure for tenants while empowering landlords and agencies. With offices in São Paulo and Minas Gerais, and local partners nationwide, CredAluga combines expertise in technology, credit, and real estate to deliver seamless rental experiences. Founded by experienced entrepreneurs, the company is growing rapidly and is driven by a multidisciplinary team committed to its mission.

Common Trust facilitates employee ownership buyouts for small businesses. It assists selling owners, management teams, and investors in developing, financing, and executing these buyouts, enabling business owners to access liquidity while preserving their company's legacy, purpose, and people.

Digitt offers fair financial tools aimed at combating predatory lending practices. It provides low-interest credit card debt solutions, ranging from 20% to 42% annually, enabling customers to reduce interest payments and accelerate debt repayment. Digitt's services empower users with clear monthly payment plans and debt-free timelines.

Knot is the first merchant connectivity platform offering card-on-file switching for hundreds of online merchant accounts. Major financial institutions and startups embed Knot’s SDK to power customer experiences. Headquartered in New York City, Knot was founded in 2021 by Rory and Kieran O’Reilly and is backed by leading investors, including Nava Ventures, 8VC, American Express, Plaid, and many more.

Ziina is a financial services company that provides a peer-to-peer payment platform for mobile apps. The platform features bank-grade security, end-to-end encryption, and the ability to send and receive funds using just a phone number, enabling both individuals and businesses to manage money securely and efficiently.

Comun is a digital banking platform that offers FDIC-insured deposit accounts and a Visa debit card via a mobile app, serving Latino users in the United States. The service enables quick online applications, access to a wide ATM network, bilingual customer support, and built-in fraud protection. It supports free and instant transfers through its internal payments platform and allows paycheck deposits up to two days early when Direct Deposit is connected. The platform aims to provide everyday financial transactions such as deposits and transfers, promoting financial stability and greater financial freedom for its target community.

CSC Generation is a company that specializes in providing private financing services aimed at preventing brand liquidations. It utilizes a proprietary technology platform that is both data-driven and analytical, allowing clients to improve their business operations across various functions such as sales, finance, and marketing. By offering centralized teams and tailored support, CSC Generation helps brands address financial challenges and sustain their operations, ultimately preserving jobs and fostering business continuity.

Scratch is a fintech company specializing in payment processing, patient financing, and communication tools for veterinary and medical practices. Approximately half of U.S. veterinary clinics use its platform to interact with clients and facilitate transactions.

Chaiz is an innovative online marketplace specializing in extended car warranties, addressing the financial burden faced by many car owners in the United States. With a significant portion of the population unable to manage unexpected car repair costs, Chaiz provides a digital platform that allows users to purchase warranties directly from protection providers. By eliminating the need for call centers and in-person transactions, Chaiz streamlines the buying process and offers a more transparent way for consumers to compare options. This approach not only enhances the shopping experience but also reduces costs for customers by an average of 40%, making extended warranties more accessible and affordable.

Caramel is an online platform designed to simplify and secure the buying and selling of cars, catering primarily to private party transactions and independent dealers. The platform offers a comprehensive range of services, including verification of vehicles, ownership transfer, payment processing, auto financing, vehicle protection, insurance, and delivery options. By streamlining these processes, Caramel enables buyers and sellers to engage in efficient digital transactions while ensuring safety and transparency in car sales.

Comun is a digital banking platform that offers FDIC-insured deposit accounts and a Visa debit card via a mobile app, serving Latino users in the United States. The service enables quick online applications, access to a wide ATM network, bilingual customer support, and built-in fraud protection. It supports free and instant transfers through its internal payments platform and allows paycheck deposits up to two days early when Direct Deposit is connected. The platform aims to provide everyday financial transactions such as deposits and transfers, promoting financial stability and greater financial freedom for its target community.

Finvero, founded in January 2021 in Mexico City, operates a credit marketplace that connects merchants with lenders. It enables businesses to offer personalized financing options to their customers, facilitating tasks such as registering businesses and managing various credit products. This platform aims to boost average ticket sales for merchants by providing convenient credit payment solutions.

Founded in 2020, Higlobe is an international payment platform headquartered in Palo Alto, California. It facilitates payments for overseas freelancers and independent workers with U.S. business clients, offering zero transaction fees.

Mundi is a company focused on facilitating international trade for small and medium-sized enterprises through its innovative financial solutions. It operates an international factoring platform that allows businesses to access capital, exchange currencies, and mitigate the risks associated with cross-border trading. By offering services in trade development, strategy, and freight, Mundi helps manufacturers and traders navigate the complexities of global markets. The company's platform aims to streamline the process of currency exchange, enabling users to conduct transactions digitally and efficiently, without unnecessary bureaucracy.

Ume is a consumer finance platform designed to simplify access to credit, particularly for low-income individuals who lack traditional banking resources. By offering purchase credit through retailers' points of sale, Ume eliminates hidden fees, unclear terms, and high interest rates, fostering a more inclusive financial environment. The platform aims to empower consumers to achieve their personal financial goals while enabling retailers to offer a risk-free credit alternative. Through its competitive pricing and commitment to transparency, Ume seeks to democratize credit access and create an economic landscape that benefits both consumers and retailers.

Wisetack operates a technology platform that enables in-person businesses to offer consumer-friendly financing options at the point of sale. Its platform integrates seamlessly with existing software platforms, allowing businesses to provide real-time lending solutions and enhance sales.

REWORTH facilitates interactions between banks and merchants by leveraging cashback incentives. It uses anonymous transactional data to personalize offers, boost engagement, and provide real-time business intelligence. REWORTH's API infrastructure enables third-party services like credit scoring and fraud prevention.

Incognia is a provider of advanced identity solutions designed to facilitate secure and seamless digital interactions. The company specializes in persistent device fingerprint technology, which integrates device recognition signals, location analytics, and tamper detection to enhance user verification and fraud prevention. Its platform offers a range of services, including data breach prevention, secure authentication, and account takeover protection, enabling businesses in sectors such as food delivery, ride-hailing, marketplaces, and financial services to safeguard their reputations and improve customer retention. By delivering customizable risk assessments and actionable insights, Incognia helps companies optimize conversions, minimize false positives, and effectively combat fraud.

Founded in 2019, Finom is a Dutch company that offers an integrated mobile-first platform for early-stage businesses and SMEs. It combines accounting, financial management, and banking functions to provide comprehensive financial solutions tailored for entrepreneurs, self-employed individuals, and freelancers.

Conta Simples is a comprehensive finance platform that combines checking accounts, expense management software, and corporate cards. It aims to provide control, visibility, autonomy, and decentralization of payments for small and medium-sized businesses in Latin America.

Bracket Labs is a software development company best known for BracketX, a crypto volatility market that enables long and short volatility trading. The platform targets traders who do not have a strong directional view and complements existing perpetual futures trading, offering tools to capture volatility and manage risk in digital asset markets.

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 comprehensive platform offering financial, credit, banking, and anti-fraud services. It holds SCD and DTVM licenses from Brazil's Central Bank, providing clients with secure, compliant technology to tailor payment and credit services.

Principia is a fintech company specializing in financial solutions for educational institutions. It guarantees universities receipt of 100% of undergraduate tuition fees on schedule, advancing funds and managing billing collections to improve cash flow predictability. Additionally, Principia offers postgraduate financing options and provides a comprehensive checkout solution, PrincipiaPay, for content creators and short-term courses.

Silverbird is a digital bank focused on facilitating international trade for small and medium-sized enterprises (SMEs). The company offers a range of services, including online banking, global business accounts, and efficient cross-border payment solutions. Utilizing data-driven, AI-powered know-your-client technology, Silverbird effectively onboards international SMEs, enabling them to access banking services in Europe and beyond. By collaborating with banks, regulators, payment networks, and trade finance companies, Silverbird aims to streamline the international payment process, thereby reducing obstacles for global merchants. This approach not only enhances the banking experience for businesses but also aims to unlock significant growth opportunities in international trade.

Ziina is a financial services company that provides a peer-to-peer payment platform for mobile apps. The platform features bank-grade security, end-to-end encryption, and the ability to send and receive funds using just a phone number, enabling both individuals and businesses to manage money securely and efficiently.

Ugami is a developer of a financial mobile application that offers financial rewards services specifically tailored for gamers. The platform allows users to earn points through virtual card purchases made with debit and credit cards, which can be redeemed in its store for a variety of gaming-related items, such as merchandise, digital goods, hardware, and software. Additionally, users can gain preferred access to exclusive game sessions and esports events. Ugami aims to enhance the gaming experience by enabling players to earn rewards while also providing tools for personal finance education and safe fund management.

OneVest is a fintech company that develops an all-in-one wealth management platform. This platform automates administrative and middle office functions, enabling businesses to expand product capabilities, improve distribution, and streamline operations.

Unlimited specializes in democratizing alternatives through return replication technology. It employs machine learning to create solutions that mimic alternative investment index returns.

Established in 2021, Numeus is a Swiss-based company specializing in crypto collective services. It focuses on research, venture capital investments, market making, asset management, and algorithmic trading within the cryptocurrency and blockchain sectors.

Constrafor is a technology company focused on the construction sector, providing a cloud-based platform designed to enhance productivity and financial management for general contractors and subcontractors. The platform simplifies and standardizes essential back-office tasks, such as subcontractor procurement, contract management, invoice processing, and diversity procurement, all within a single interface. For general contractors, Constrafor facilitates efficient interactions with subcontractors by managing bids, deadlines, and communication with suppliers. Subcontractors benefit from features like fast receivables financing through an Early Pay Program, which accelerates payment cycles and improves cash flow, enabling them to take on additional projects. By integrating these functionalities, Constrafor aims to revolutionize the construction industry's procurement processes.

Secfi empowers startup employees and founders by offering comprehensive equity planning tools, personalized guidance from licensed strategists, and financing options. It aims to help individuals make informed decisions about their equity from offer to IPO.

XClaim operates an electronic platform facilitating the trading of bankruptcy claims. It connects distressed debt investors with vendors, suppliers, and other parties owed money by bankrupt companies. The platform increases market efficiency and liquidity, offering services like information sourcing, risk mitigation, and settlement facilities.

Fuell Technologies, S.L. is a Madrid-based company that specializes in issuing corporate credit cards and providing expense management software for businesses. Founded in 2019, Fuell's platform integrates a corporate card with expense management tools, allowing companies to manage spending in real-time and set budgets without the need for traditional expense reports. The service includes features such as automatic budget updates, credit increases as businesses grow, and cashbacks on various expenditures, including rideshare, fuel, dining, and recruitment services. This innovative approach aims to streamline financial management, offering businesses greater control over their expenses and enhancing operational efficiency.

QI Tech is a comprehensive platform offering financial, credit, banking, and anti-fraud services. It holds SCD and DTVM licenses from Brazil's Central Bank, providing clients with secure, compliant technology to tailor payment and credit services.

Founded in 2019, Finom is a Dutch company that offers an integrated mobile-first platform for early-stage businesses and SMEs. It combines accounting, financial management, and banking functions to provide comprehensive financial solutions tailored for entrepreneurs, self-employed individuals, and freelancers.

Comun is a digital banking platform that offers FDIC-insured deposit accounts and a Visa debit card via a mobile app, serving Latino users in the United States. The service enables quick online applications, access to a wide ATM network, bilingual customer support, and built-in fraud protection. It supports free and instant transfers through its internal payments platform and allows paycheck deposits up to two days early when Direct Deposit is connected. The platform aims to provide everyday financial transactions such as deposits and transfers, promoting financial stability and greater financial freedom for its target community.

Fuul is a blockchain service provider that specializes in developing a growth platform aimed at enhancing partnerships within the decentralized space. The company's platform facilitates the discovery, tracking, and management of partnerships through the use of smart contracts, which ensures transparency and trust in growth collaborations. By streamlining these processes, Fuul enables businesses to effectively navigate and leverage decentralized networks, fostering more efficient and reliable partnerships.

TRIVER offers instant capital access to small businesses via its API-first platform. Utilizing Open Banking data and AI models, TRIVER enables partners like accounting software and digital banks to provide flexible financing solutions tailored to their clients' cash flow needs.

Principia is a fintech company specializing in financial solutions for educational institutions. It guarantees universities receipt of 100% of undergraduate tuition fees on schedule, advancing funds and managing billing collections to improve cash flow predictability. Additionally, Principia offers postgraduate financing options and provides a comprehensive checkout solution, PrincipiaPay, for content creators and short-term courses.

Crescenta is a Spanish fintech company specializing in digital investment platforms for private equity funds. It provides access to top-tier international products, previously inaccessible, along with educational resources on personal finance and investments.

Franq is a Brazilian fintech that aggregates 50 financial institutions to distribute over 100 financial products and services through a network of 7,000 independent brokers, known as Personal Bankers. It operates as a multi-sided marketplace that enables banking professionals to offer a wide range of products to individuals and small and medium-sized enterprises, serving as a free, one-stop shop. The platform emphasizes the independence and autonomy of the independent professionals and provides clients with access to products from banks, fintechs and insurers so they can choose the options that best fit their needs.

Paybook, Inc. is a fintech company based in Austin, Texas, founded in 2011. It offers a cloud-based financial platform designed to automate and simplify money management for individuals, groups, and businesses. The platform enables users to track expenses, access various financial accounts, and collaborate on financial tasks. It allows for the grouping and sharing of transactions based on user-defined themes, as well as detailed analysis of income, expenses, and billable time. Additionally, Paybook provides Syncfy, a financial API product that enhances efficiency by consolidating access to financial data from banks, credit cards, and other sources into a single interface. This integration helps customers streamline payment processing and invoicing, reducing reliance on multiple technical solutions. Paybook's focus on transparency and automation aims to foster financial inclusion and improve operational efficiency within the financial sector, particularly in Latin America.

Scratch is a fintech company specializing in payment processing, patient financing, and communication tools for veterinary and medical practices. Approximately half of U.S. veterinary clinics use its platform to interact with clients and facilitate transactions.

Founded in 2020, Higlobe is an international payment platform headquartered in Palo Alto, California. It facilitates payments for overseas freelancers and independent workers with U.S. business clients, offering zero transaction fees.

Denim streamlines freight brokerage operations by offering a comprehensive freight payment system. It manages working capital, carrier payments, and back-office processes through its software platform, enabling brokers to access necessary funds for growth while automating invoicing, collections, and payments.

Rosaly is a fintech company founded by Arbia Smiti in late 2019, focused on enhancing the financial well-being of employees through its innovative platform. The company's services include automatic management of advance payment requests and a comprehensive financial management tool designed to alleviate financial stress for employees. By providing on-demand pay, budget management, and educational resources through its app, Rosaly empowers businesses to support their staff's financial health while ensuring that cash flow remains unaffected.

Kafene is a fintech platform that enables flexible purchase options and underwriting for consumers across a broad range of products, including furniture, appliances, electronics, musical instruments, and jewelry. The company combines data inputs with artificial intelligence and machine learning to underwrite and approve payments through a digital payments ecosystem that includes app-based wallets. It provides near-instantaneous decisioning and ongoing servicing for merchants and customers, offering flexible repayment terms and a no-obligation return option if a consumer cannot continue payments, helping avoid traditional debt traps. By integrating payment processing, underwriting, and servicing, Kafene helps merchants extend credit while giving buyers access to purchases with terms aligned to their credit profile.

Founded in 2019, Caju offers a digital platform that enables companies to manage employee benefits efficiently. It provides employees with a single Visa card for various benefit categories such as food, mobility, culture, health, education, and home office.

Goin is a mobile application that enhances users' financial health by layering innovative saving, investing, and smart-shopping tools onto traditional banking services.

Properly Inc. is a Canadian real estate brokerage that specializes in the buying and selling of residential properties. Founded in 2018 and headquartered in Toronto, the company leverages technology to transform the home buying and selling experience. Properly operates an online platform that simplifies the process for clients by utilizing machine learning to provide accurate market valuations for homes. This innovative approach allows clients to purchase a new home before listing their current one, enhancing convenience and reducing the stress typically associated with these transactions. Through its services, Properly aims to make the real estate market more accessible and efficient for homeowners.

Silverbird is a digital bank focused on facilitating international trade for small and medium-sized enterprises (SMEs). The company offers a range of services, including online banking, global business accounts, and efficient cross-border payment solutions. Utilizing data-driven, AI-powered know-your-client technology, Silverbird effectively onboards international SMEs, enabling them to access banking services in Europe and beyond. By collaborating with banks, regulators, payment networks, and trade finance companies, Silverbird aims to streamline the international payment process, thereby reducing obstacles for global merchants. This approach not only enhances the banking experience for businesses but also aims to unlock significant growth opportunities in international trade.

Fonoa is a tax automation platform that helps businesses authenticate tax IDs, compute taxes, generate invoices, report transactions, and file tax returns within a single solution. The software automates tax rate determination and calculation for sales transactions, supports invoicing compliance, country reporting, and the issuance of fully VAT-compliant invoices, enabling tax managers to manage obligations efficiently.

Skyfire operates an open protocol financing platform designed to enhance the accessibility of digital assets, particularly non-fungible tokens (NFTs). By offering point-of-sale financing options, Skyfire simplifies the purchasing process for NFTs, allowing users to acquire these digital assets more easily. Additionally, the platform provides collateralized lending solutions that improve post-sale liquidity, enabling users to access funds against their NFT holdings. This approach not only facilitates smoother transactions but also empowers marketplaces to offer differentiated and flexible payment and liquidity solutions, contributing to the growth of NFTs as a significant asset class.

Upfront is a FinTech startup founded in 2021 and headquartered in New York. The company specializes in financial advisory services focused on refinancing auto loans. It aims to address financial inequality by helping customers secure competitive interest rates and favorable monthly payments for their car loans. By providing tailored refinancing options, Upfront enables individuals to reduce their interest rates and manage their repayment plans more flexibly, ultimately allowing them to pay fair amounts on their loans.

ZenLedger develops software solutions for cryptocurrency tax management. It offers ZenLedger, a tool that enables users to import cryptocurrency transactions, calculate gains and income, and auto-fill tax forms. Its platform produces profit/loss statements and prepares various tax reports.

Neo Financial is a fintech company delivering spending, savings, and rewards services through a secure money-management platform. It issues a Mastercard-based credit card through ATB Financial and offers a savings account via Concentra Bank with CDIC protection. The platform combines card and rewards capabilities with deposit services and inter-account payments, and it emphasizes no monthly fees or minimum balances to help users save and spend seamlessly.

Possible Finance is a consumer finance company that provides short-term, small-dollar installment loans and payday loans with flexible terms. It uses cashflow underwriting to assess affordability and offers a pathway toward improved financial health. By reporting repayment activity to major credit bureaus, the company helps borrowers build credit history and access traditional financing options, supporting economic mobility for underserved communities. The business model emphasizes accessible funding and streamlined approval to serve individuals who lack widespread access to conventional credit, while aiming to reduce the debt cycle through responsible lending practices and clear repayment structures.

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.

Koban is a fintech company dedicated to simplifying finance and transforming how money works in Latin America. It offers user-friendly digital financial services, including payments, transfers, savings tools, and credit facilities, all securely accessible through its platform.

AngelList is a U.S.-based platform founded in 2010, connecting startups with angel investors and job-seekers. It facilitates fundraising, recruitment, and product launches, supporting millions of users worldwide. The company has backed over 20 unicorns and helped launch more than 100,000 products.

Developer of a money application designed to process payments easily. The company offers a master card that builds credit history, pays up to five percent discount and plants trees, enabling users to make payments and work with their existing bank.

Ugami is a developer of a financial mobile application that offers financial rewards services specifically tailored for gamers. The platform allows users to earn points through virtual card purchases made with debit and credit cards, which can be redeemed in its store for a variety of gaming-related items, such as merchandise, digital goods, hardware, and software. Additionally, users can gain preferred access to exclusive game sessions and esports events. Ugami aims to enhance the gaming experience by enabling players to earn rewards while also providing tools for personal finance education and safe fund management.

Wectory is a financial technology company specializing in providing upfront funding solutions for landlords through its innovative software application. The platform enables landlords to convert future rental income into immediate working capital, addressing both planned and unexpected financial needs. With features such as automated payments, reminders, and detailed reports, the application streamlines the rental payment process. Landlords can request up to twelve months of rent in a single payment, allowing them to enhance their cash flow for various personal or property-related expenses. Wectory's services aim to support landlords in managing their financial obligations effectively while optimizing their rental revenue.

Bracket is a company that focuses on providing downside protection insurance for blue-chip assets while also developing a decentralized finance platform aimed at democratizing financial products. Their platform introduces innovative on-chain solutions for volatility trading, allowing investors to engage with financial leverage through an option-spread-like position based on a percentage of the spot price. Additionally, Bracket creates social and collaborative applications on the Force.com platform, enhancing user engagement and interaction. Through these offerings, Bracket seeks to provide investors with enhanced security and flexibility in their financial strategies.

Tap Billetera is a developer of digital payment software that enables all money transactions to be completed quickly, easily, and securely. Customers can load money from debit or credit cards, a bank or virtual account, and deposit cash in other payment agencies, allowing them to send and receive money, pay for services, and pay with a QR code at their favorite stores.

TaxDown streamlines tax filing through its digital platform, offering automated deduction search, expert review of submissions, and tailored services for expatriates, investors, and employees. As a collaborator with the Tax Agency, it enables users to file income tax returns independently.

Moove is a fintech company specializing in mobility finance. It provides revenue-based vehicle financing to mobility entrepreneurs across Africa, democratizing vehicle ownership. Moove embeds alternative credit-scoring technology onto ride-hailing, logistics, and delivery platforms, using proprietary performance analytics to underwrite loans.

Digitt offers fair financial tools aimed at combating predatory lending practices. It provides low-interest credit card debt solutions, ranging from 20% to 42% annually, enabling customers to reduce interest payments and accelerate debt repayment. Digitt's services empower users with clear monthly payment plans and debt-free timelines.

Synonym Biotechnologies is a financing and development platform focused on essential biomanufacturing infrastructure. Founded in 2021 and headquartered in New York, the company aims to enhance production capacity for synthetic biology firms by organizing key aspects such as site selection, engineering, and financing. Its platform facilitates access to biomanufacturing investments and project financing, enabling a diverse range of industry players to respond to the increasing demand for consumables like food, materials, and energy. By creating this new asset class, Synonym supports the growth of the bioeconomy and fosters innovation in biomanufacturing.

OneVest is a fintech company that develops an all-in-one wealth management platform. This platform automates administrative and middle office functions, enabling businesses to expand product capabilities, improve distribution, and streamline operations.

Latitud is a venture capital firm and platform based in São Paulo, Brazil, focused on technology startups in Latin America. It engages early-stage companies, providing pre-seed investments and hands-on support to founders to help them build and scale their ventures from the ground up.

Affine is a Web3 protocol that simplifies engagement with multi-chain cryptocurrency markets. It offers liquid restaking for instant entry and withdrawals, along with various cross-chain yield baskets to optimize returns on digital assets.

Mundi is a company focused on facilitating international trade for small and medium-sized enterprises through its innovative financial solutions. It operates an international factoring platform that allows businesses to access capital, exchange currencies, and mitigate the risks associated with cross-border trading. By offering services in trade development, strategy, and freight, Mundi helps manufacturers and traders navigate the complexities of global markets. The company's platform aims to streamline the process of currency exchange, enabling users to conduct transactions digitally and efficiently, without unnecessary bureaucracy.

Overnight is a protocol specializing in asset management, offering passive yield products based on delta-neutral strategies. It introduces USD+, a stablecoin backed by conservative DeFi portfolios, designed for maximum liquidity and loss avoidance even over short periods. Investors can exchange USD+ for USDC upon request.

Sardine is a financial technology company that specializes in providing a risk and fraud infrastructure tailored for the online economy. It has developed a device intelligence platform that leverages artificial intelligence and advanced risk engine software. This platform enhances fraud detection while minimizing sign-up friction by analyzing multiple real-time data points, including device information, browser details, and behavioral biometrics. By integrating this technology, Sardine enables businesses to establish a robust risk and fraud management framework, ultimately reducing costs within the fintech ecosystem.

Dinara develops enterprise banking software that unifies crypto and fiat assets in one platform, enabling enterprises to hold and transact both securely and quickly. The platform supports multiple users per account, management of multiple entities, and role-based permissions to control risk, with streamlined Know Your Customer onboarding to speed up sign-up. Dinara aims to simplify corporate crypto and fiat banking by providing a single, integrated solution for secure asset management and business transactions.

Enigma is a San Francisco-based company specializing in cloud SDK solutions designed to protect data-in-use. It focuses on automating and streamlining business operations, particularly for financial institutions, aiding in anti-money laundering compliance, credit card fraud detection, and insurance premium pricing. Additionally, Enigma leverages advanced privacy technologies to develop a platform for scalable, end-to-end decentralized applications. The company introduces innovative secret contracts—smart contracts that enable the utilization of private and sensitive data within decentralized applications and services, enhancing both data security and operational efficiency.

Vest is an app-based brokerage that wants to provide Latin American savers with access to American assets that are differentiated by product, pricing, and content. Latin Americans are known for saving, but many prefer to do so in cash or in zero-interest savings accounts.

Perl Street provides a fintech platform for distributed energy resources such as rooftop solar, energy storage, electric vehicle chargers, and heat pumps across residential, commercial, and industrial buildings. It enables asset investors and managers to bundle and aggregate DERs, originate bankable portfolios, and manage more assets with higher margins. The platform uses AI agents and modern data architecture to consolidate and normalize DER assets into scalable portfolios, supporting performance and compliance. It also offers a deal-structuring capability to help hardware companies raise capital for ongoing and sustainable expansion, delivering investor transparency, automated onboarding for startups, verified unit economics, and the ability to simulate deal terms. The platform currently supports over 1 gigawatt of DER assets across more than 1,100 assets.

Founded in 2013, Moni is a Buenos Aires-based fintech company offering digital financial services. It provides instant personal loans with flexible repayment options, a virtual wallet for fund management, prepaid cards for purchases, and tools for bill payments and mobile recharges, serving the underbanked population.

Kaladin develops a crypto platform that facilitates cross-chain atomic swaps for exchanges between different cryptocurrencies. It monitors transactions across multiple blockchains, providing users with real-time data and enabling investors to maintain full control over their funds with near-instant trading and minimal fees.

Aikito simplifies business expansion into brick-and-mortar locations by offering an end-to-end solution. It provides a vetted construction marketplace, sustainable buildout services, and tailored financing options for qualified businesses. By handling the heavy lifting, Aikito helps save time, money, and contributes to clients' sustainability goals.

Solvo develops an iOS app for simplified crypto investments. Its platform facilitates buying, selling, and trading cryptocurrencies with streamlined account opening and money transfer processes.

Caramel is an online platform designed to simplify and secure the buying and selling of cars, catering primarily to private party transactions and independent dealers. The platform offers a comprehensive range of services, including verification of vehicles, ownership transfer, payment processing, auto financing, vehicle protection, insurance, and delivery options. By streamlining these processes, Caramel enables buyers and sellers to engage in efficient digital transactions while ensuring safety and transparency in car sales.

Taptap Send is a mobile application that facilitates instant money transfers for immigrants sending funds back to Africa at low costs. Launched in the summer of 2018, the platform has successfully processed hundreds of millions of dollars and serves hundreds of thousands of customers. It operates in seven European countries and enables payments to various countries, including Ivory Coast, Senegal, Mali, Ghana, Guinea, Cameroon, Bangladesh, Kenya, Madagascar, Zambia, Vietnam, and the Democratic Republic of the Congo, with plans for further expansion. Taptap Send simplifies the remittance process by allowing users to transfer money directly to mobile money wallets using just a debit card, eliminating the need for physical deposits and saving time for its clients.

Ramp Network is a fintech company established in 2017, headquartered in Warsaw, Poland. It specializes in payment infrastructure that connects crypto and traditional finance, aiming to create seamless, accessible connections between these two systems without the need for intermediaries.

Ledn is a fintech company that develops financial products for digital asset holders to access liquidity without selling their assets. Its product suite includes Borrow, a bitcoin‑backed loan that provides dollars while keeping bitcoin as collateral; B2X, which enables clients to instantly double their bitcoin holdings through a Ledn loan; and Save, a savings account for bitcoin and USDC that pays interest with no minimums. The platform offers cryptocurrency‑backed financing without the need for traditional credit checks, allowing users to access capital and leverage their holdings while maintaining ownership of their assets.

Wyre, established in 2013 and based in San Francisco, specializes in blockchain-based international payment solutions. Its platform facilitates real-time, same-day, and direct-to-bank transfers across borders, offering competitive foreign exchange rates and eliminating high fees, complex timings, and currency exchange worries. Wyre also provides onramps and off-ramps, foreign exchange, and crypto liquidity services to various crypto projects and decentralized exchanges.

Earnr is a finance and tax service company based in the U.K., founded in 2020 by Anil Nair, Enzo Ottens, and Jamie Leverton. It caters to creators and individuals engaged in side-hustle businesses. Earnr's platform automates finances and tax submissions, allowing users to import bank transactions, track earnings, streamline tax returns, and maintain a comprehensive record of self-employed income. This helps users save time on financial organization and tax filing.

Comun is a digital banking platform that offers FDIC-insured deposit accounts and a Visa debit card via a mobile app, serving Latino users in the United States. The service enables quick online applications, access to a wide ATM network, bilingual customer support, and built-in fraud protection. It supports free and instant transfers through its internal payments platform and allows paycheck deposits up to two days early when Direct Deposit is connected. The platform aims to provide everyday financial transactions such as deposits and transfers, promoting financial stability and greater financial freedom for its target community.