FJ Labs

iMENA Group is a venture capital investment firm established in 2013 and headquartered in Dubai, United Arab Emirates. The firm focuses on the consumer Internet market in the Middle East and North Africa (MENA) region, targeting the hyper-growth phase of this sector. iMENA invests in and collaborates with promising founders and organizations across various industries, leveraging globally proven technology and business models. Additionally, the company provides strategic and operational support to help address the challenges of developing and scaling online businesses in the MENA region.

Founded in 2019, Vosbor is a global digital marketplace for bulk agricultural commodities trading. It connects buyers and sellers, facilitating transparent and secure transactions of corn, wheat, soybeans, palm oil, and other commodities.

Paro is a Chicago-based company that operates an AI-powered platform connecting businesses with freelance finance professionals, including bookkeepers, accountants, and financial analysts. Founded in 2015, Paro provides on-demand support to companies by offering a wide range of services such as month-end accounting, tax preparation, cash flow management, and financial modeling. The platform matches businesses with highly vetted experts who possess the necessary skills to address specific challenges in finance and accounting. By leveraging advanced technology and a community of elite professionals, Paro enables businesses of all sizes to access tailored solutions, optimize their financial processes, and drive growth effectively.

NymCard is a payment processing platform founded in 2016, operating from Abu Dhabi, United Arab Emirates, with a focus on enhancing the digital payment landscape in Africa and the Middle East. The company specializes in providing an issuer processor solution that allows banks and financial institutions to offer innovative digital payment products, including plastic, virtual, and tokenized cards. NymCard's advanced infrastructure and user-friendly mobile wallet solutions facilitate quick account setup and immediate access to smart payment cards, promoting efficient and secure online transactions. By leveraging open APIs and mobile SDKs, NymCard aims to address the low penetration of payment cards in these regions, thereby driving greater participation in the digital economy.

Measured provides a platform to make liquidity simple and cost-effective for RIAs, empowering clients and advisors with the tools.

Ontik is a provider of a modern payment platform designed to enhance the trade credit experience for merchants. The company focuses on automating critical credit processes to alleviate administrative burdens, allowing for real-time reporting and timely payments. By employing advanced credit technology and real-time risk assessment, Ontik aims to reduce credit risk and associated costs for businesses. Its platform offers a range of trading services, including trade account creation, cash flow management, portfolio management, and payment processing, thereby enabling merchants to optimize their trade credit programs and improve overall financial performance.

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.

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.

Leland is a coaching marketplace that connects individuals with professional coaches, curated content, and courses to support educational and career objectives. The platform focuses on helping users prepare for standardized tests such as the SAT, ACT, GMAT, and GRE, as well as facilitating transitions into fields like private equity, product management, investment banking, and technology. Clients can find mentors tailored to their budget, background, and goals, and receive personalized guidance to develop the skills needed for success. Leland operates on a transaction‑fee model based on the fees paid by clients to coaches.

Clad ensures private schools receive guaranteed, on-time tuition payments with zero transaction fees, enhancing financial stability.

Composer is a Toronto-based fintech company founded in 2020. It develops an AI-powered trading platform that enables retail investors to create, test, and manage automated investment strategies without needing coding skills, aiming to enhance their potential returns.

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.

Jus Mundi is a legal technology company based in Paris, France, founded in 2018. It operates a search engine focused on public international law and investor-state arbitration, aimed at democratizing access to legal resources. The platform integrates artificial intelligence to enhance legal research, enabling lawyers and academics to efficiently navigate vast datasets related to international trade law, law of the sea, and arbitration cases. By structuring global legal data, Jus Mundi facilitates the selection of arbitration professionals and provides additional services for business development, ultimately promoting global justice and simplifying complex legal processes.

Menlo is a payment platform that helps small entrepreneurs in managing accounts receivable.

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.

Efficient Capital Labs is a direct lender providing non-dilutive financing to SaaS businesses. It offers fast, seamless, and cost-effective capital with underwriting that supports transparent terms. The firm targets B2B SaaS companies that have a substantial product and operations presence in India while generating revenues in the United States and other major markets. By delivering non-dilutive funding, Efficient Capital Labs helps SaaS companies scale, fund product development, and expand operations without equity dilution, positioning itself as a practical financing partner for growth-focused SaaS businesses.

Bondaval is a London-based digital platform founded in 2020 that focuses on B2B credit security, aimed at replacing traditional collateral-based instruments and trade credit insurance. The company provides a more secure, capital-efficient, and cost-effective alternative for businesses, enabling them to issue, amend, renew, and claim on secured credit in real-time. Bondaval's platform offers features such as live risk monitoring, alerts, and streamlined claims handling, which help clients to optimize their working capital and save time. By democratizing access to credit alternatives, Bondaval empowers businesses of all sizes to enhance their financial flexibility and growth potential.

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.

Formic Technologies aims to boost humanity's collective output by making robotic automation accessible. It offers customized robots for operational automation in industries like food and beverage, manufacturing, and consumer packaged goods. Formic enables businesses to scale production quickly with minimal risk.

ValidMind specializes in AI governance and risk management for the financial services industry. Its solution ensures regulatory compliance and risk mitigation of artificial intelligence and machine learning models, empowering institutions to confidently adopt AI advancements responsibly.

Scramble is a lending marketplace based in Tallinn, Estonia, that facilitates debt financing for startups, particularly in the consumer goods sector. Founded in 2020, it allows busy professionals to invest in secured growth loans for innovative businesses. Each month, Scramble curates a selection of promising startups seeking growth capital, which it presents to potential investors. The platform simplifies the investment process, enabling professionals to allocate funds in under five minutes each month, accommodating their demanding schedules. By offering pre-approved credit limits based on the estimated lifetime income of co-founders, Scramble empowers startups to set their fundraising goals and terms while providing private investors with opportunities to support emerging companies through monthly fundraising rounds.

Dott is a micromobility company based in Amsterdam, Netherlands, that specializes in providing shared electric scooters and electric bikes for short-distance travel. Founded in 2018, Dott focuses on offering safe, convenient, and sustainable alternatives for urban commuting. The company's electric bikes are designed with features that enhance safety and performance, including wide decks for improved stability, optimized center of gravity, and double brake systems. These innovations ensure a reliable riding experience. Dott aims to make urban transportation more accessible and environmentally friendly, helping to reduce congestion and emissions in city centers.

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

Founded in 2017, Simetrik specializes in providing big data solutions for corporate finance control and automation. Its platform offers AI-powered tools, no-code configuration, and secure data integration capabilities, enabling global enterprises to streamline transaction reconciliation, detect anomalies, reduce manual effort, accelerate financial closings, and enhance decision-making.

Muzz is a leading online matchmaking platform designed specifically for Muslims seeking marriage. With over 8 million members and more than 400,000 successful matches, the application addresses the unique cultural values of Muslims, who prioritize marriage over dating. Founded by Shahzad Younas, a former investment banker, Muzz aims to transform the way Muslims connect and build relationships. The platform allows users to create personal profiles, engage in private chats, send friend requests, share photos, and plan meet-ups, fostering meaningful connections among Arab and Muslim singles. Headquartered in Aldgate, London, Muzz has a rapidly growing team of over 65 professionals and has received significant investment from notable Silicon Valley and global investors. As the first Muslim-centric startup backed by a prestigious accelerator, Muzz has gained considerable media attention, highlighting its impact on the untapped global Muslim demographic.

Scramble is a lending marketplace based in Tallinn, Estonia, that facilitates debt financing for startups, particularly in the consumer goods sector. Founded in 2020, it allows busy professionals to invest in secured growth loans for innovative businesses. Each month, Scramble curates a selection of promising startups seeking growth capital, which it presents to potential investors. The platform simplifies the investment process, enabling professionals to allocate funds in under five minutes each month, accommodating their demanding schedules. By offering pre-approved credit limits based on the estimated lifetime income of co-founders, Scramble empowers startups to set their fundraising goals and terms while providing private investors with opportunities to support emerging companies through monthly fundraising rounds.

Midas is a cryptocurrency application that enables users to sell and invest in various cryptocurrencies and tokens. In addition to facilitating transactions, Midas has developed a tokenization protocol platform that allows for the tokenization of real-world assets. This platform issues tokenized assets as permissionless tokens, which are securely held in segregated accounts managed by institutional custodians. By ensuring transparency in settlement processes, Midas supports lending and borrowing activities on decentralized finance (DeFi) money markets, enhancing the accessibility and functionality of digital assets for its customers.

Nexu is a digital platform designed for car dealerships. It uses AI and automation to offer real-time financing solutions, enabling more customers to acquire new or used vehicles with personalized plans and minimal requirements.

Mottu is a motorcycle rental company that enables gig workers to participate in delivery and logistics apps by providing rental motorcycles and a platform that handles maintenance. The service does not require a guarantor to rent bikes and aims to empower individuals, particularly in Brazil, to earn a living delivering goods.

Recharge Capital is a venture capital firm with offices in New York, Los Angeles, and Singapore. It provides capital and operating resources to technology ventures pursuing high-potential opportunities. The firm employs a thematic approach across sectors such as women's healthcare, fintech and fintech infrastructure, synthetic biology, digital assets, and semiconductor enablement. By combining strategic funding with hands-on support, Recharge Capital aims to accelerate innovation and drive meaningful impact across its portfolio and the broader technology landscape.

Founded in 2015, Spotawheel is a tech-driven used car dealership platform operating in Greece and Poland. It offers a transparent marketplace for buying and selling used cars, with predictive analytics to assess vehicle condition and a range of financing options.

Lumaly is a digital shopping assistant and coupon platform that guides users through the full online shopping journey, from product discovery to checkout. The platform automatically detects and applies relevant discounts at checkout, provides savings opportunities, and helps retailers boost checkout conversions and drive traffic. It also offers a wallet with Bitcoin cashback and carbon offset options, along with deal discovery and reward features to enhance user savings and engagement.

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.

inKind is a company that operates a funding platform aimed at supporting restaurants while enhancing consumer dining experiences. It provides innovative funding solutions that allow restaurants to access low-cost capital upfront in exchange for future food and beverage credits. This model enables restaurant owners to offer unique experiences and rewards to their customers, fostering a sense of hospitality and engagement. Consumers benefit by receiving rewards when dining at top restaurants, while restaurants can promote their offerings and encourage customer loyalty through the gifting of credits. Overall, inKind's approach connects diners with exceptional culinary experiences, enriching their everyday moments.

Secfi, Inc. is a San Francisco-based company founded in 2017, specializing in pre-wealth advisory solutions for startup employees and founders. It offers a proprietary suite of equity planning tools and financing solutions, enabling employees to exercise options and secure shareholder financing. By providing personalized guidance from licensed equity strategists, Secfi helps individuals make informed financial decisions regarding their equity from the initial offer to the IPO stage. The company also delivers educational resources tailored for startups at various stages, enhancing employees' understanding of their equity options. Secfi has established a reputation for supporting employees from a significant majority of U.S. unicorns, positioning itself as a trusted partner in equity planning and financial management. Additionally, the company has an office in Amsterdam, expanding its reach in the European market.

Andrena, Inc. is a New York-based company that specializes in providing high-speed internet services to institutions with significant data requirements, such as universities, hospitals, and financial services. The company develops an internet distribution platform that collaborates with internet providers to utilize their existing fiber networks. Through this partnership, Andrena deploys a network of antennas designed to extend wireless internet access over a designated area, allowing customers and businesses to benefit from faster connectivity at reduced costs.

Founded in 2017, Simetrik specializes in providing big data solutions for corporate finance control and automation. Its platform offers AI-powered tools, no-code configuration, and secure data integration capabilities, enabling global enterprises to streamline transaction reconciliation, detect anomalies, reduce manual effort, accelerate financial closings, and enhance decision-making.

Ledge is a developer of financial software that automates and simplifies finance operations for teams managing high-volume or complex financial tasks. Its platform provides comprehensive features, including real-time cash flow management, end-to-end automated reconciliation, exception management, and reporting modules. This enables finance professionals to maintain total control over their operations and ensures continuous audit readiness. By offering enhanced visibility into cash positions and transaction insights, Ledge empowers finance teams to make informed decisions in real-time. The platform's automation allows teams to shift their focus from manual processes to strategic growth, all without the need for extensive setup or ongoing maintenance from R&D or IT teams.

Numerai, LLC is a hedge fund firm founded in 2015 and based in San Francisco, California. It operates a unique investment approach by leveraging a global network of data scientists to develop predictive models for the stock market. The company transforms and regularizes financial data into machine learning challenges, allowing participants to engage in data science tournaments focused on stock market predictions. This innovative platform not only facilitates the creation of sophisticated investment strategies but also promotes a collaborative environment where data scientists can contribute to the firm's investment decisions. Through this model, Numerai aims to enhance investment returns and foster profitable outcomes for its investors.

Scramble is a lending marketplace based in Tallinn, Estonia, that facilitates debt financing for startups, particularly in the consumer goods sector. Founded in 2020, it allows busy professionals to invest in secured growth loans for innovative businesses. Each month, Scramble curates a selection of promising startups seeking growth capital, which it presents to potential investors. The platform simplifies the investment process, enabling professionals to allocate funds in under five minutes each month, accommodating their demanding schedules. By offering pre-approved credit limits based on the estimated lifetime income of co-founders, Scramble empowers startups to set their fundraising goals and terms while providing private investors with opportunities to support emerging companies through monthly fundraising rounds.

Bondaval is a London-based digital platform founded in 2020 that focuses on B2B credit security, aimed at replacing traditional collateral-based instruments and trade credit insurance. The company provides a more secure, capital-efficient, and cost-effective alternative for businesses, enabling them to issue, amend, renew, and claim on secured credit in real-time. Bondaval's platform offers features such as live risk monitoring, alerts, and streamlined claims handling, which help clients to optimize their working capital and save time. By democratizing access to credit alternatives, Bondaval empowers businesses of all sizes to enhance their financial flexibility and growth potential.

Bright Money is an AI-powered financial management platform that assists consumers in achieving debt freedom. The company focuses on helping users eliminate various forms of debt, including credit card, student, and auto loans, by leveraging machine learning algorithms to analyze individual financial data. Bright Money offers personalized insights into spending habits, budgeting, and overall financial health, empowering users to reduce financial stress and make informed decisions. The platform also provides tailored credit products and tools designed to enhance financial wellness, enabling users to build savings and attain better financial stability. Through its innovative approach, Bright Money aims to support consumers on their journey toward improved financial management.

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.

Dott is a micromobility company based in Amsterdam, Netherlands, that specializes in providing shared electric scooters and electric bikes for short-distance travel. Founded in 2018, Dott focuses on offering safe, convenient, and sustainable alternatives for urban commuting. The company's electric bikes are designed with features that enhance safety and performance, including wide decks for improved stability, optimized center of gravity, and double brake systems. These innovations ensure a reliable riding experience. Dott aims to make urban transportation more accessible and environmentally friendly, helping to reduce congestion and emissions in city centers.

Edda is a developer of a software suite designed for the investment management sector, catering to venture capital firms, corporate ventures, private equity, family offices, and investment banks. The platform offers tools for managing deal flow, tracking portfolio performance, and providing real-time insights into investments. Edda focuses on enhancing communication with portfolio companies and ensuring that limited partners are kept informed about new deals and existing investments. By streamlining these processes, Edda enables businesses to effectively manage their investment activities and assess the value and impact of their portfolios.

Qanlex specializes in litigation financing, focusing on cases governed by continental law. Founded by Yago Zavalia Gahan and Fernando Folgueiro, the company provides capital to support meritorious claims.

Boopos is a lending platform designed to facilitate the acquisition of small businesses by providing flexible financing options. It simplifies the purchasing process through an online platform that connects potential buyers with pre-approved opportunities in collaboration with business brokers. Utilizing a data-driven analysis framework, Boopos makes informed lending decisions to support mid to long-term investments, particularly in e-commerce and software-as-a-service sectors. This approach enables businesses to acquire new ventures, fund significant growth investments, and secure the financial support needed to enhance their operations.

Vessel operates a community and platform that allows access to various lists of available private markets. It offers subscription options to starting investors and entrepreneurs.

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.

Alongside builds indexes for cryptocurrencies.

Scramble is a lending marketplace based in Tallinn, Estonia, that facilitates debt financing for startups, particularly in the consumer goods sector. Founded in 2020, it allows busy professionals to invest in secured growth loans for innovative businesses. Each month, Scramble curates a selection of promising startups seeking growth capital, which it presents to potential investors. The platform simplifies the investment process, enabling professionals to allocate funds in under five minutes each month, accommodating their demanding schedules. By offering pre-approved credit limits based on the estimated lifetime income of co-founders, Scramble empowers startups to set their fundraising goals and terms while providing private investors with opportunities to support emerging companies through monthly fundraising rounds.

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.

Nuvocargo, Inc. is a digital platform specializing in cross-border trade between the United States and Mexico. Founded in 2017 and based in New York, the company offers an integrated suite of services, including customs brokerage, freight forwarding, cargo insurance, and supply chain financing. Nuvocargo distinguishes itself by providing standardized and transparent quotes through its network of carriers, along with a cloud-based dashboard that enables real-time cargo tracking, shipment status updates, and customs clearance management. The company aims to modernize the largely untapped $2 trillion logistics market, enhancing visibility and efficiency for shippers. With a bilingual team that bridges technology and logistics across the Americas, Nuvocargo has reported significant revenue growth since its inception, reflecting its unique position in the industry.

NymCard is a payment processing platform founded in 2016, operating from Abu Dhabi, United Arab Emirates, with a focus on enhancing the digital payment landscape in Africa and the Middle East. The company specializes in providing an issuer processor solution that allows banks and financial institutions to offer innovative digital payment products, including plastic, virtual, and tokenized cards. NymCard's advanced infrastructure and user-friendly mobile wallet solutions facilitate quick account setup and immediate access to smart payment cards, promoting efficient and secure online transactions. By leveraging open APIs and mobile SDKs, NymCard aims to address the low penetration of payment cards in these regions, thereby driving greater participation in the digital economy.

Delphia Inc. is a Toronto-based company, incorporated in 1993, that specializes in developing artificially intelligent surveys designed to assist individuals in making informed decisions regarding careers, education, finances, and health. The company emphasizes the importance of data in fostering capital formation and economic empowerment. Delphia creates products that encourage the sharing of proprietary data, aiming to provide users with a competitive advantage in financial markets. By actively managing personal data, Delphia seeks to unlock innovative opportunities for wealth creation for both individual and institutional investors.

Parcl is a blockchain-based platform facilitating fractional ownership in physical real estate. It enables users to invest in digital representations of square feet, providing access to the real estate market previously unavailable.

IOOGO, Inc. is a software development company based in Dallas, Texas, specializing in tax and accounting solutions. Founded in 2017, the company offers IOOGO Tax, a comprehensive mobile and web application that simplifies the tax preparation process for users. Through this platform, individuals can easily sign up, input personal and income information, and review eligible deductions and credits before e-filing their tax returns. IOOGO's technology not only streamlines tax filing but also provides educational resources to help users understand the process, making it accessible for both individuals and small businesses. The company's services extend beyond tax preparation to include accounting, tax planning, budgeting, and audits, thereby supporting clients through various financial needs.

Allocate is a venture capital investment firm founded in 2021 and headquartered in Palo Alto, California. The company focuses on enabling investors to discover and invest in high-quality venture funds, specifically targeting early-stage startups within the United States. Through its platform, Allocate aims to streamline the investment process, connecting investors with promising opportunities in the venture capital landscape.

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.

HomeOptions is a real estate brokerage and homeownership platform designed to assist homeowners in maximizing their investment in real estate. The company connects customers with top agents and service providers, facilitating a seamless experience in buying, selling, and managing properties. HomeOptions stands out by offering cash upfront in exchange for the right to sell a home in the future, promoting a transparent and straightforward approach to real estate transactions. Additionally, the platform rewards homeowners at various stages of their journey, providing access to a range of home products and services, as well as refinancing options. Through its comprehensive offerings, HomeOptions aims to simplify the complexities of homeownership and enhance the overall experience for its users.

Founded in 2015, Spotawheel is a tech-driven used car dealership platform operating in Greece and Poland. It offers a transparent marketplace for buying and selling used cars, with predictive analytics to assess vehicle condition and a range of financing options.

Inovexus Ventures, founded in 2018 and based in Paris, France, specializes in supporting early-stage B2B startups across Europe. The firm aims to foster global growth by providing not only funding but also mentorship to founders. Inovexus Ventures focuses on building a diverse portfolio of innovative companies, with a particular emphasis on cutting-edge technology sectors. The firm is driven by a team of experienced cross-cultural entrepreneurs and seeks to attract top co-investors from the US, Europe, and Asia. Inovexus Ventures aspires to invest in the top 200 early-stage European companies by 2025. In addition to financial support, it offers a comprehensive Acceleration Program to facilitate rapid scalability, leveraging insights from a network of international mentors. The firm's approach combines risk management with a diversified portfolio strategy, ensuring a balanced investment framework.

Abhi is a financial wellness platform based in Pakistan, founded in 2021, that focuses on providing salary advances to employees based on their accrued wages. The platform enables users to withdraw a portion of their earned salary directly into their bank accounts, thereby offering a solution to immediate financial needs without hidden charges. In addition to its salary advance services, Abhi supports employers by streamlining payroll processes and reducing the administrative burden on HR and finance departments. The company aims to enhance financial access and flexibility for employees while ensuring timely payments for employers, ultimately transforming the way individuals manage their finances.

Slope is a financial platform developer that specializes in providing a range of payment alternatives for businesses. Its platform enables clients to manage loans, underwriting, debt collection, and payouts once goods or services are delivered. By offering options such as credit card acceptance and invoice link generation, Slope facilitates installment payments at checkout, which helps businesses improve their cash flow and financial security. Additionally, the platform allows technical teams to integrate its services into their existing frameworks, thereby reducing administrative burdens and enhancing the overall customer experience.

Beanstock is a company focused on transforming real estate investment through a digital platform that simplifies the process for individual investors. It operates an online marketplace in Europe dedicated to buying, managing, and selling rental investment properties. By providing an end-to-end service, Beanstock evaluates buy-to-let properties based on projected returns and equips users with essential tools and information for successful investing. This includes features for property search, mortgage applications, and property management, allowing investors to effectively manage their real estate investments.

Block Green is a company focused on developing a decentralized finance platform that offers innovative liquidity solutions for Bitcoin mining operations. By enabling miners to access future revenues upfront and de-risk their operations, Block Green aims to foster a transparent and accessible capital market centered around Bitcoin. The platform also features a staking mechanism, allowing digital asset holders to retain their preferred cryptocurrencies while contributing to the security of the Bitcoin network. This approach not only enhances the financial prospects for users but also supports the transition of the Bitcoin ecosystem towards renewable energy sources. Through its initiatives, Block Green seeks to create a more sustainable and efficient environment for digital asset management.

HouseHold provides mortgage services that help Latinos buy properties. The company is based in Wilmington, Delaware.

Founded in 2017, Simetrik specializes in providing big data solutions for corporate finance control and automation. Its platform offers AI-powered tools, no-code configuration, and secure data integration capabilities, enabling global enterprises to streamline transaction reconciliation, detect anomalies, reduce manual effort, accelerate financial closings, and enhance decision-making.

Saks is assisting in the transformation of the way people save money. It provides accumulation plans and investment options in a model that incorporates recurrence, diversification, and tax advantages. They also serve as a marketplace for life and pension brokers.

Overnight Finance is an asset management protocol designed to deliver passive yield products primarily for conservative stablecoin investors. The company employs delta-neutral strategies to create its flagship stablecoin, USD+, which is supported by a carefully curated DeFi portfolio aimed at maintaining maximum liquidity and minimizing risk, even over short time frames. USD+ can be exchanged for USDC upon the owner's request, providing a secured asset backed by reserves in short-term US Treasuries and fiat currencies. By offering these innovative financial solutions, Overnight Finance aims to enhance investment returns while prioritizing safety and stability for its users.

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.

Tilled, Inc. is a payments platform based in Boulder, Colorado, that specializes in providing a PayFac-as-a-Service solution for B2B independent software vendors (ISVs). Founded in 2019, Tilled enables software companies to seamlessly integrate payment processing into their applications through modern APIs and SDKs. This turnkey system allows clients to start monetizing payments without incurring upfront costs or the need for additional personnel. By handling the complexities of regulatory compliance and associated liabilities, Tilled simplifies the payment facilitation process, allowing software vendors, marketplaces, and SaaS providers to focus on their core operations while generating revenue from credit card processing.

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.

Boopos is a lending platform designed to facilitate the acquisition of small businesses by providing flexible financing options. It simplifies the purchasing process through an online platform that connects potential buyers with pre-approved opportunities in collaboration with business brokers. Utilizing a data-driven analysis framework, Boopos makes informed lending decisions to support mid to long-term investments, particularly in e-commerce and software-as-a-service sectors. This approach enables businesses to acquire new ventures, fund significant growth investments, and secure the financial support needed to enhance their operations.

Dott is a micromobility company based in Amsterdam, Netherlands, that specializes in providing shared electric scooters and electric bikes for short-distance travel. Founded in 2018, Dott focuses on offering safe, convenient, and sustainable alternatives for urban commuting. The company's electric bikes are designed with features that enhance safety and performance, including wide decks for improved stability, optimized center of gravity, and double brake systems. These innovations ensure a reliable riding experience. Dott aims to make urban transportation more accessible and environmentally friendly, helping to reduce congestion and emissions in city centers.

Nexu is a digital platform designed for car dealerships. It uses AI and automation to offer real-time financing solutions, enabling more customers to acquire new or used vehicles with personalized plans and minimal requirements.

Kanda is a financial services firm that specializes in providing financing solutions for home improvement projects. The company has developed quoting and invoicing software tailored for tradespeople, allowing them to streamline their operations by automating paperwork and ensuring timely payments. This software serves as an estimating tool, enabling contractors to present estimates while offering escrow financing options for clients who may find it challenging to pay upfront. By facilitating affordable financing for homeowners, Kanda empowers contractors to remain competitive in pricing and enhances the accessibility of home improvement services.

Subscribe is a marketplace network operator that focuses on empowering creators through equity ownership. The company has developed an equity-based investment platform that provides essential legal, marketing, and budgeting tools. These tools facilitate the alignment of long-term incentives between creators and the companies they support, fostering engaged communities and valuable brand advocacy. By tying equity compensation to performance-based marketing, Subscribe enables creators to gain an ownership stake in the businesses they promote, thus allowing them to build generational wealth through startup equity. This innovative approach aims to enhance the growth of companies while ensuring a fair and equitable process for all participants involved.

Ridian is a technology company that offers an investment platform focused on cryptocurrency. The platform provides users with automated investment strategies that adapt to market fluctuations, allowing for responsive investing in a continuously active market. Ridian's offerings include a range of investment approaches, from interactive indexed strategies to high-frequency trading algorithms, enabling users to access diverse investment opportunities and potentially generate income through blockchain technology.

UNIPaaS is a payment solution that enables digital platforms and marketplaces to own, manage, and monetize from financial services. Digital marketplaces and B2B platforms can now own their payment experience and control their funds' flow. They are transforming how businesses integrate and handle payments, reducing financial operations costs, and accelerating the implementation of new growth engines powered by payments and financial services. By monetizing these activities and providing these new services to customers in the right context, digital platforms can effectively increase stickiness, and lifetime value, and generate additional revenues. UNIPaaS was founded in 2020 and is based in Israel.

Lumaly is a digital shopping assistant and coupon platform that guides users through the full online shopping journey, from product discovery to checkout. The platform automatically detects and applies relevant discounts at checkout, provides savings opportunities, and helps retailers boost checkout conversions and drive traffic. It also offers a wallet with Bitcoin cashback and carbon offset options, along with deal discovery and reward features to enhance user savings and engagement.

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.

Parcl is a blockchain-based platform facilitating fractional ownership in physical real estate. It enables users to invest in digital representations of square feet, providing access to the real estate market previously unavailable.

Abacum is a software-as-a-service (SaaS) company that provides a collaborative workflow and planning platform specifically designed for finance teams in small and medium-sized businesses (SMBs). The platform aims to enhance productivity and strategic impact by streamlining financial planning, management reporting, and corporate performance workflows. Abacum's solution enables finance professionals to develop and maintain accurate business plans, connect scenarios with decisions, and deliver actionable insights across the organization. By automating routine tasks and facilitating collaboration among multiple stakeholders, Abacum allows finance teams to focus on critical decision-making, thereby driving execution and improving overall business performance. The company is committed to empowering finance teams with the tools they need to maximize their effectiveness and fulfillment within their roles.

3i is an invitation-only community of private investors to share deal flow, learn, and exchange knowledge. Investors can gain access to member-sourced, private-market, niche, and esoteric alternatives through 3i. 3i is where high-net-worth individuals discuss and debate compelling opportunities in emerging industries.

Alongside builds indexes for cryptocurrencies.

Leland is a coaching marketplace that connects individuals with professional coaches, curated content, and courses to support educational and career objectives. The platform focuses on helping users prepare for standardized tests such as the SAT, ACT, GMAT, and GRE, as well as facilitating transitions into fields like private equity, product management, investment banking, and technology. Clients can find mentors tailored to their budget, background, and goals, and receive personalized guidance to develop the skills needed for success. Leland operates on a transaction‑fee model based on the fees paid by clients to coaches.

Jus Mundi is a legal technology company based in Paris, France, founded in 2018. It operates a search engine focused on public international law and investor-state arbitration, aimed at democratizing access to legal resources. The platform integrates artificial intelligence to enhance legal research, enabling lawyers and academics to efficiently navigate vast datasets related to international trade law, law of the sea, and arbitration cases. By structuring global legal data, Jus Mundi facilitates the selection of arbitration professionals and provides additional services for business development, ultimately promoting global justice and simplifying complex legal processes.

Semper is a financial services provider that specializes in venture liquidity finance, facilitating recurring and end-to-end secondary transactions for fast-growing startups. The company aims to enhance financial liquidity for stakeholders within the startup ecosystem, enabling them to de-risk their investments and capitalize on their hard work. By focusing on governance and regulation, Semper strives to create value for all parties involved, including entrepreneurs and investors, by providing structured opportunities for equity liquidation.

Baraka is an investment application based in the UAE that aims to democratize access to stock markets for all individuals. The platform provides users with educational resources, market news, and comprehensive stock analysis to enhance their investment knowledge and confidence. Baraka enables commission-free investing in a wide range of stocks and exchange-traded funds, allowing users to explore diverse investment opportunities. By focusing on accessibility and empowerment, Baraka seeks to cultivate a new generation of informed investors.

Lumaly is a digital shopping assistant and coupon platform that guides users through the full online shopping journey, from product discovery to checkout. The platform automatically detects and applies relevant discounts at checkout, provides savings opportunities, and helps retailers boost checkout conversions and drive traffic. It also offers a wallet with Bitcoin cashback and carbon offset options, along with deal discovery and reward features to enhance user savings and engagement.

Lumaly is a digital shopping assistant and coupon platform that guides users through the full online shopping journey, from product discovery to checkout. The platform automatically detects and applies relevant discounts at checkout, provides savings opportunities, and helps retailers boost checkout conversions and drive traffic. It also offers a wallet with Bitcoin cashback and carbon offset options, along with deal discovery and reward features to enhance user savings and engagement.

Secfi, Inc. is a San Francisco-based company founded in 2017, specializing in pre-wealth advisory solutions for startup employees and founders. It offers a proprietary suite of equity planning tools and financing solutions, enabling employees to exercise options and secure shareholder financing. By providing personalized guidance from licensed equity strategists, Secfi helps individuals make informed financial decisions regarding their equity from the initial offer to the IPO stage. The company also delivers educational resources tailored for startups at various stages, enhancing employees' understanding of their equity options. Secfi has established a reputation for supporting employees from a significant majority of U.S. unicorns, positioning itself as a trusted partner in equity planning and financial management. Additionally, the company has an office in Amsterdam, expanding its reach in the European market.

PrizePool is a mobile-based application software that enables its users to invest their money through smartphones. PrizePool believes the team's experience combined with the commitments to both guarantee monthly prizes and create a social, referral model sets PrizePool apart from others in the market.

Inyad is a company that specializes in developing mobile applications aimed at supporting small and medium-sized businesses in their sales, operations, and growth. Its applications facilitate bookkeeping by tracking customer debts and payments, while also providing an online selling platform that enables offline businesses to establish and expand their presence in the digital marketplace. By enhancing the efficiency of merchants on a large scale, Inyad plays a crucial role in helping businesses navigate the complexities of modern commerce.

Freightwalla is a freight management platform designed to streamline global logistics operations. It provides a comprehensive suite of features, including shipment planning and costing, digital workflows, online document management, real-time tracking, and request for quotation management. The platform also offers sailing schedules, smart reporting, and analytics to enhance transparency and efficiency in the shipping and logistics sector. Freightwalla partners with over 60 shipping lines and serves more than 1,000 customers across more than 1,000 ports, aiming to improve visibility and simplify operations. Additionally, the company offers value-added services such as transportation, customs clearance, and trade finance, further supporting businesses in optimizing their logistics processes.