FJ Labs

Aplanet is a developer of a cloud-based software platform focused on social responsibility and sustainability management. The company aims to integrate Environmental, Social, and Governance (ESG) objectives into the core operations of organizations. Its comprehensive suite of tools allows businesses to manage, measure, and showcase their social impact effectively. Aplanet's platform offers various products centered on community engagement, sustainability practices, and materiality, which help organizations analyze their performance and make informed decisions. By providing subscription-based pricing modules, Aplanet enables organizations to optimize their strategies for maximizing positive societal impact while enhancing stakeholder value.

QI TECH is a fintech that will disrupt the credit market, headquartered in São Paulo, Brazil. Much more than providing efficiency for a complex, outdated and bureaucratic financial industry, we are focused on developing a new (and truly digital) way of raising money and investing in credit assets. From the companies perspective, we are building a digital platform and redesigning the lending experience. For the investors, we will facilitate access to the unexplored credit market, providing easy access to strongly collateralized credit assets. Improving access to both sides of this market will increase the overall industry efficiency and consequently we foster the entire economic growth. Culture is one of our most important assets and it is built by people. We need engagement and people that actually change the world with strong opinions and actions, participating in the building process and always thinking on the client. We strongly believe that only with strong values we will reach impact we desire.

Delphia Inc. is a Toronto-based company that provides an innovative investment platform, allowing individuals to transform their personal data into investment capital. By participating in artificially intelligent surveys, users can share insights about their lives and perspectives, which Delphia uses to enhance investment returns. This approach enables users to build wealth without needing initial financial resources, marking a significant shift in how investment opportunities are accessed. Delphia's platform empowers individuals by strategically managing their data, creating a competitive advantage in financial markets and facilitating informed decision-making. Through this model, Delphia aims to drive economic empowerment and sustainable growth for both individual and institutional investors.

Operator of a global mobility fintech company intended to democratize access to financial services for mobility entrepreneurs. The company uses embedded alternative credit scoring technology in ride-hailing, logistics, mass transit, and instant delivery platforms, using proprietary performance and revenue analytics to underwrite customers that have previously been excluded from financial services, enabling customers to access and use proprietary performance and revenue analytics of mobility entrepreneurs to underwrite loans.

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.

Founded in 2020, Latitud is a venture capital investment firm based in Sao Paulo, Brazil. The firm seeks to invest in Latin America-based companies operating in the technology sector.

Aplanet is a developer of a cloud-based software platform focused on social responsibility and sustainability management. The company aims to integrate Environmental, Social, and Governance (ESG) objectives into the core operations of organizations. Its comprehensive suite of tools allows businesses to manage, measure, and showcase their social impact effectively. Aplanet's platform offers various products centered on community engagement, sustainability practices, and materiality, which help organizations analyze their performance and make informed decisions. By providing subscription-based pricing modules, Aplanet enables organizations to optimize their strategies for maximizing positive societal impact while enhancing stakeholder value.

Developer of an artificial intelligence-powered real estate investment platform designed for fragmented commercial property markets. The company's platform leverages data science and machine learning to identify and acquire investment properties in sectors like multifamily, healthcare, and net lease, allowing people to further invest in their growth and small and medium property owners to get immediate cash flow backed by a long-term lease.

Goin is a mobile application designed to help users save money effortlessly and invest without prior knowledge. Founded by three Spanish entrepreneurs, Goin utilizes machine learning algorithms to accumulate savings through small daily actions, such as rounding up payments. The app targets Millennials, a demographic that often struggles with saving, by offering an easy-to-use tool that enhances financial management. Users begin by answering questions about their spending habits, which allows the app to suggest tailored saving methods. Once users add money to the app, they have the flexibility to transfer funds to various investment options, including cryptocurrencies and equity funds, or withdraw to their bank accounts. Goin's innovative approach aims to simplify personal finance and promote a better lifestyle for its users.

Baraka is a UAE-based fintech company focused on connecting young, millennial investors with both regional and international investment opportunities. The company offers an investment application that aims to democratize access to stock markets by providing a platform for commission-free investing in stocks, initial public offerings, and exchange-traded funds. Baraka enhances the investment experience through educational content, market news, and in-depth stock analysis, enabling users to deepen their investment knowledge and make informed decisions. By fostering a vibrant and transparent investing ecosystem, Baraka empowers its community members to exchange opinions, insights, and advice, facilitating a supportive environment for new and experienced investors alike.

Harness Wealth operates a wealth management platform focused on enhancing clients' financial well-being. The company utilizes a unified data platform powered by proprietary technology to generate personalized balance sheets and financial opportunity profiles. This innovative approach allows clients to effectively monitor their financial activities and identify opportunities for growth. By connecting clients with financial advisors, estate lawyers, and tax professionals, Harness Wealth facilitates tailored advisory services that help individuals achieve their desired financial impact and build their legacy.

PrizePool is a mobile-based application software that enables its users to invest their money though 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.

Impacked operates an online marketplace specifically designed for primary packaging, aiming to facilitate the connection and collaboration between brands and suppliers. The platform streamlines the packaging sourcing process by offering tools that enable suppliers to enhance their sales and marketing efforts. Clients can efficiently search, filter, sample, quote, and purchase various packaging options, allowing them to choose solutions that best meet their specific needs. By modernizing the packaging sourcing landscape, Impacked positions itself as a comprehensive resource for all primary packaging requirements.

Operator of a consumer-packaged-investments company intended to help the general public invest in working capital loans. The company offers a pre-approved startup credit limit based on the estimate of the lifetime income of each co-founder, startups can set their fundraising goal and acceptable loan terms, and private investors can allocate capital to startups via monthly fundraising rounds, helping businesses to raise funds using secured high-yield debt financing.

Allinfra Ltd is a company that develops a blockchain-based platform for the tokenization of unlisted infrastructure finance and environmental assets. Founded in 2017 and based in the Cayman Islands, Allinfra's platform enables direct investments in these assets, allowing individuals and institutions to create, purchase, and transfer ownership interests. It provides an alternative source of financing for asset owners while enhancing liquidity and access in the market. The company also offers Allinfra Climate, an enterprise software solution that helps institutions achieve sustainability goals by collecting climate-relevant information directly from assets. This verifiable and auditable data can be stored, utilized, or monetized, thereby supporting sustainability efforts while facilitating investment in renewable and infrastructure projects.

Baraka is a UAE-based fintech company focused on connecting young, millennial investors with both regional and international investment opportunities. The company offers an investment application that aims to democratize access to stock markets by providing a platform for commission-free investing in stocks, initial public offerings, and exchange-traded funds. Baraka enhances the investment experience through educational content, market news, and in-depth stock analysis, enabling users to deepen their investment knowledge and make informed decisions. By fostering a vibrant and transparent investing ecosystem, Baraka empowers its community members to exchange opinions, insights, and advice, facilitating a supportive environment for new and experienced investors alike.

Vest Wealth Management is a digital investment advisor focused on serving the middle class in emerging markets, particularly in Mexico and Latin America. The platform empowers users to begin investing with a minimum of 50 dollars in local funds and investment products. It offers tailored advice on existing savings plans and investment opportunities, helping individuals navigate their financial goals effectively. By emphasizing practical and achievable outcomes, Vest facilitates access to investment resources for professionals seeking to enhance their financial well-being.

FlipGive is a digital fundraising platform designed for schools, sports teams, and community initiatives. It allows members to pool their everyday shopping expenses to earn cash back, which can be used for team funding or other community projects. By uniting the fragmented youth sports market, FlipGive creates a direct digital channel between over 700 merchant partners and the North American youth sports community. This innovative approach not only helps brands acquire new customers but also fosters loyalty among users, enhancing their fundraising efforts through collective spending.

• Dot is a curated marketplace of design-led properties. We source undervalued properties in fast-growing cities & transform them into high-yielding passive investments. • Delivering every element of the property lifecycle condensing a typical 6-month buying process into an elegant e-commerce experience • Enabling global investors to buy, add value, rent and refinance properties seamlessly online - like Amazon one-click for real estate.

SmartAsset is a financial technology company that provides automated personalized financial advice to help individuals make informed financial decisions. Utilizing proprietary technology and unique Automated Financial Modeling software, SmartAsset enables users to simulate the impact of various financial choices on their personal finances. The company offers a range of calculators and tools related to home buying, retirement planning, life insurance, personal loans, and more, which are accessible on its website and through financial publisher sites via its Captivate tool. Additionally, SmartAsset connects consumers with financial advisors through its SmartAdvisor service. To support its mission, the company also features an in-house editorial team that produces thousands of educational articles and data-driven studies, enriching the user experience with valuable financial insights.

Roofstock, Inc. is an online marketplace that facilitates investment in leased single-family rental homes. Founded in 2015 and headquartered in Oakland, California, the company provides investors with access to independently certified properties, complete with research, analytics, and market insights. This platform allows users to evaluate properties based on their investment potential and cash flow without the complexities of managing vacant homes that require repairs and leasing. Roofstock aims to simplify the real estate investment process by enabling clients to treat their property investments similarly to stock portfolios, emphasizing asset allocation. The marketplace also assists sellers in marketing tenant-occupied properties, minimizing income loss and tenant disruption.

YieldStreet Management, LLC is a principal investment firm based in New York that focuses on providing access to asset-based investments typically unavailable to most investors. The firm aims to democratize investment opportunities by allowing accredited investors to participate in curated, high-yield investments with low correlation to traditional markets. YieldStreet's digital wealth management platform connects investors with diverse alternative asset classes, including litigation finance and real estate, while also offering borrowers access to affordable capital. Through this innovative approach, YieldStreet seeks to promote prosperity for all participants in the investment landscape.

Roofstock, Inc. is an online marketplace that facilitates investment in leased single-family rental homes. Founded in 2015 and headquartered in Oakland, California, the company provides investors with access to independently certified properties, complete with research, analytics, and market insights. This platform allows users to evaluate properties based on their investment potential and cash flow without the complexities of managing vacant homes that require repairs and leasing. Roofstock aims to simplify the real estate investment process by enabling clients to treat their property investments similarly to stock portfolios, emphasizing asset allocation. The marketplace also assists sellers in marketing tenant-occupied properties, minimizing income loss and tenant disruption.

Roofstock, Inc. is an online marketplace that facilitates investment in leased single-family rental homes. Founded in 2015 and headquartered in Oakland, California, the company provides investors with access to independently certified properties, complete with research, analytics, and market insights. This platform allows users to evaluate properties based on their investment potential and cash flow without the complexities of managing vacant homes that require repairs and leasing. Roofstock aims to simplify the real estate investment process by enabling clients to treat their property investments similarly to stock portfolios, emphasizing asset allocation. The marketplace also assists sellers in marketing tenant-occupied properties, minimizing income loss and tenant disruption.

Kiavi, formerly known as LendingHome, is a San Francisco-based company that provides mortgage financing services tailored for real estate investors. Founded in 2014, Kiavi specializes in offering a variety of short-term first-lien mortgage products, including fix-and-flip bridge loans and rental loans. The company's platform streamlines the loan process through advanced technology, making it accessible for both novice and experienced investors. Kiavi serves clients involved in purchasing residential properties, such as single-family homes and townhomes, while also focusing on properties that may undergo rehabilitation. Its services are available in several states, including Arizona, California, Michigan, Nevada, North Carolina, and Texas. The company also conducts comprehensive loan underwriting, assessing factors such as property value, equity coverage, and the borrower’s real estate experience.