FJ Labs

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.

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.

Ontik offers a modern payment platform designed to assist merchants in expanding their trade customer base. By automating essential credit processes, the platform alleviates administrative burdens and facilitates real-time reporting. This technology not only minimizes credit losses but also ensures timely payments. Additionally, Ontik's platform focuses on reducing credit risk and costs, providing services such as trade account creation, cash flow management, and payment oversight. Through the use of advanced credit technology and real-time risk assessment, Ontik enables merchants to enhance the effectiveness of their trade credit programs.

Float offers modern financial services, powerful software and industry-leading support designed for every company and stage of growth. Our product suite includes corporate cards, bill pay, expense management and high-yield accounts, giving finance teams everything they need to manage spending and cash flow efficiently.

Principia is a fintech company that specializes in providing financial solutions for educational institutions. It guarantees the timely receipt of 100% of undergraduate tuition fees, eliminating defaults by managing the entire billing and collection process. This approach enhances cash flow predictability for universities and supports their operational plans. Additionally, Principia offers financing options for postgraduate programs, allowing universities to receive immediate payment while students can spread their payments over 36 months. The company also caters to content creators and short-term courses through its PrincipiaPay platform, which facilitates advance payment of receivables and integrates various payment methods, including credit cards and installment plans. With over 1 billion reais approved in education funding and 350,000 additional students served, Principia has significantly increased online course sales and boasts the highest approval rate in the sector.

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

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 specializes in peer-to-peer payment solutions through a mobile application. The platform ensures bank-grade security, utilizing end-to-end encryption to facilitate safe transactions. Users can send and receive funds simply using a phone number, allowing for efficient management of personal finances and greater control over their money.

Comun provides an app-based platform that delivers digital banking services tailored for Latinos in the United States. The platform allows new users to apply for an FDIC-secured deposit account and a VISA debit card in under two minutes. Users benefit from access to over 55,000 ATMs throughout North America, exceptional customer service in both Spanish and English, and advanced fraud detection features to enhance security. Comun also offers free and instant transfers through its internal payments system, ComunYa, and allows users to receive their paychecks up to two days early with Direct Deposit. By addressing the unique financial needs of Latino communities, Comun aims to promote financial stability and empower users to achieve greater financial freedom.

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

Comun provides an app-based platform that delivers digital banking services tailored for Latinos in the United States. The platform allows new users to apply for an FDIC-secured deposit account and a VISA debit card in under two minutes. Users benefit from access to over 55,000 ATMs throughout North America, exceptional customer service in both Spanish and English, and advanced fraud detection features to enhance security. Comun also offers free and instant transfers through its internal payments system, ComunYa, and allows users to receive their paychecks up to two days early with Direct Deposit. By addressing the unique financial needs of Latino communities, Comun aims to promote financial stability and empower users to achieve greater financial freedom.

Higlobe is an international payment platform established in 2020 and based in Palo Alto, California. It specializes in providing money transfer services for overseas freelancers, contractors, and independent workers who work with U.S. business clients. The platform offers a secure account supported by blockchain technology and features a team focused on anti-money laundering and fraud prevention. Higlobe distinguishes itself by eliminating international transaction fees, allowing non-U.S. freelancers and companies to withdraw payments from their U.S.-based clients quickly and without hidden costs.

Cents provides a comprehensive business management system tailored for laundromats and dry cleaners. Their platform integrates various essential functions such as payments, employee management, and machine tracking. Additionally, it offers tools for order management, sales, marketing, and delivery services. This integration allows owners to streamline their operations, reduce the need for physical management of locations, and ultimately increase revenue by focusing more on growth strategies.

Reworth is a developer of a payment relationship marketing platform that facilitates interactions between banks and merchants to enhance customer engagement. By leveraging anonymous transactional data, Reworth enables financial institutions to offer personalized merchant-funded cashback programs, which help increase customer loyalty and drive revenue. The platform's API infrastructure supports various services, including credit scoring, fraud prevention, B2B payments, and personal finance management, contributing to the future of Open Finance. Reworth equips its partners with valuable first-party data, real-time business intelligence, and competitor analysis, allowing them to accurately predict consumer behavior and create tailored experiences that resonate with customers.

Conta Simples is a digital banking platform designed to streamline financial transactions for small and medium-sized businesses in Latin America. It combines a checking account, expense management tools, and corporate cards into a single, user-friendly interface. The platform enables businesses to manage transfers, withdrawals, and payments efficiently while providing features that enhance financial control, visibility, and autonomy. By facilitating organized and secure financial operations through both mobile and desktop access, Conta Simples aims to simplify the banking experience for entrepreneurs and finance teams.

OCHO is a provider of insurance services focused on delivering affordable and fair auto insurance that supports credit building. The company offers policies with no down payments and reduced premiums, making it easier for customers to manage their finances. Additionally, OCHO's offerings include lower security deposits for renting and the elimination of deposits for utility services, allowing users to secure their assets at a competitive price. This approach aims to enhance financial accessibility for individuals while promoting responsible financial management.

Principia is a fintech company that specializes in providing financial solutions for educational institutions. It guarantees the timely receipt of 100% of undergraduate tuition fees, eliminating defaults by managing the entire billing and collection process. This approach enhances cash flow predictability for universities and supports their operational plans. Additionally, Principia offers financing options for postgraduate programs, allowing universities to receive immediate payment while students can spread their payments over 36 months. The company also caters to content creators and short-term courses through its PrincipiaPay platform, which facilitates advance payment of receivables and integrates various payment methods, including credit cards and installment plans. With over 1 billion reais approved in education funding and 350,000 additional students served, Principia has significantly increased online course sales and boasts the highest approval rate in the sector.

Ziina is a financial services company that specializes in peer-to-peer payment solutions through a mobile application. The platform ensures bank-grade security, utilizing end-to-end encryption to facilitate safe transactions. Users can send and receive funds simply using a phone number, allowing for efficient management of personal finances and greater control over their money.

Ugami is a developer of a financial mobile application that offers financial rewards services tailored for gamers. The platform allows users to earn points through gameplay, which can be redeemed for various rewards such as gaming merchandise, digital goods, and exclusive access to esports events. Additionally, Ugami facilitates virtual card purchases via debit and credit cards, enabling users to accumulate points while managing their finances effectively. By integrating gaming with personal finance education, Ugami aims to enhance the gaming experience while promoting financial literacy among its users.

Comun provides an app-based platform that delivers digital banking services tailored for Latinos in the United States. The platform allows new users to apply for an FDIC-secured deposit account and a VISA debit card in under two minutes. Users benefit from access to over 55,000 ATMs throughout North America, exceptional customer service in both Spanish and English, and advanced fraud detection features to enhance security. Comun also offers free and instant transfers through its internal payments system, ComunYa, and allows users to receive their paychecks up to two days early with Direct Deposit. By addressing the unique financial needs of Latino communities, Comun aims to promote financial stability and empower users to achieve greater financial freedom.

Principia is a fintech company that specializes in providing financial solutions for educational institutions. It guarantees the timely receipt of 100% of undergraduate tuition fees, eliminating defaults by managing the entire billing and collection process. This approach enhances cash flow predictability for universities and supports their operational plans. Additionally, Principia offers financing options for postgraduate programs, allowing universities to receive immediate payment while students can spread their payments over 36 months. The company also caters to content creators and short-term courses through its PrincipiaPay platform, which facilitates advance payment of receivables and integrates various payment methods, including credit cards and installment plans. With over 1 billion reais approved in education funding and 350,000 additional students served, Principia has significantly increased online course sales and boasts the highest approval rate in the sector.

OCHO is a provider of insurance services focused on delivering affordable and fair auto insurance that supports credit building. The company offers policies with no down payments and reduced premiums, making it easier for customers to manage their finances. Additionally, OCHO's offerings include lower security deposits for renting and the elimination of deposits for utility services, allowing users to secure their assets at a competitive price. This approach aims to enhance financial accessibility for individuals while promoting responsible financial management.

Paybook, Inc. operates a cloud-based financial platform designed to streamline money management for individuals, groups, and businesses. Founded in 2011 and based in Austin, Texas, the platform features a manual expense tracking system that facilitates the management of personal, social, and business finances. Users can access various financial accounts, collaborate with others, and efficiently manage company expenses while generating and tracking invoices. Additionally, the platform allows for the categorization of transactions by user-defined themes and provides tools for analyzing income and expenses. Paybook is committed to promoting financial inclusion and enhancing efficiency within traditional finance, particularly in Latin America's financial markets. Its financial API product, Syncfy, enables customers to access financial data from multiple sources, simplifying processes like payments and invoice management. The platform emphasizes security through advanced data protection measures, ensuring that funds cannot be transferred from within the system.

Higlobe is an international payment platform established in 2020 and based in Palo Alto, California. It specializes in providing money transfer services for overseas freelancers, contractors, and independent workers who work with U.S. business clients. The platform offers a secure account supported by blockchain technology and features a team focused on anti-money laundering and fraud prevention. Higlobe distinguishes itself by eliminating international transaction fees, allowing non-U.S. freelancers and companies to withdraw payments from their U.S.-based clients quickly and without hidden costs.

Denim is a freight payment system specifically designed for freight brokers, focusing on the management of working capital, carrier payments, and back-office processes. The platform offers a suite of services, including factoring, automated invoicing, collections, and payments, aimed at simplifying operations for small freight brokers. By enhancing access to critical working capital, Denim enables these brokers to thrive in a competitive market, allowing them to concentrate on their core business activities while streamlining their financial processes.

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 offers a solution that automates advance payment requests, allowing businesses to support their staff without negatively impacting cash flow. In addition to managing payment requests, Rosaly provides a comprehensive financial management tool that includes features for on-demand pay, budget management, and financial education, all accessible via a user-friendly app. By addressing the financial stress faced by employees, Rosaly aims to foster a healthier work environment and improve overall employee satisfaction.

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.

Koban is a fintech company focused on transforming financial services in Latin America by addressing the needs of the unbanked population and improving options for existing banking customers. The company provides a secure digital platform that offers a range of user-friendly financial services, including payments, money transfers, budgeting tools, and credit facilities. Koban is dedicated to promoting financial inclusion through innovative technology and design, aiming to empower individuals in managing their financial lives effectively. By prioritizing customer experience, Koban seeks to simplify the complexities of money management and broaden access to essential financial services across the region.

GoodCash is a financial technology company founded in 2021 and based in San Francisco, California. The company offers a money application that simplifies payment processing for users. GoodCash provides a Mastercard that not only helps users build their credit history but also offers discounts of up to five percent on purchases. Additionally, the company promotes environmental sustainability by contributing to tree planting initiatives. By allowing users to make payments while integrating with their existing bank accounts, GoodCash aims to enhance the overall financial experience for its customers.

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 provides a range of payment solutions for businesses. Its platform allows clients to manage various aspects of financial transactions, including loan processing, underwriting, debt collection, and payout management, once goods or services are delivered. By offering options such as credit card acceptance and invoice link generation, Slope enables businesses to facilitate installment payments at checkout. This approach not only helps improve cash flow and financial security for businesses but also reduces administrative burdens and enhances the overall customer experience. The platform is designed for easy integration with existing systems, making it a versatile solution for companies seeking to streamline their financial operations.

Ugami is a developer of a financial mobile application that offers financial rewards services tailored for gamers. The platform allows users to earn points through gameplay, which can be redeemed for various rewards such as gaming merchandise, digital goods, and exclusive access to esports events. Additionally, Ugami facilitates virtual card purchases via debit and credit cards, enabling users to accumulate points while managing their finances effectively. By integrating gaming with personal finance education, Ugami aims to enhance the gaming experience while promoting financial literacy among its users.

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.

Tilled, Inc. operates a payments platform that provides a PayFac-as-a-Service solution, enabling business-to-business independent software vendors (ISVs) to monetize payments processed through their systems. Founded in 2019 and based in Boulder, Colorado, Tilled offers hosted payment forms, recurring payments, and split payments services. Its platform utilizes modern application programming interfaces (APIs) and software development kits (SDKs) to facilitate seamless payment integration, allowing software companies to launch quickly without incurring upfront costs or needing additional staffing. By managing the complexities of payment facilitation, including regulatory compliance and associated liabilities, Tilled allows software vendors, marketplaces, and SaaS companies to focus on their core operations while generating revenue from credit card processing.

Moni is a microloans platform based in Buenos Aires, Argentina, founded in September 2013 by Alejandro Estrada and Juan Pablo Bruzzo. The platform allows users to apply for cash advances online, facilitating immediate financial assistance without the need for extensive paperwork or formalities. In addition to providing loans, Moni also enables customers to pay for telecom and utility bills through its mobile application, thereby streamlining access to essential financial services.

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.

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.

Ramp Network is a fintech startup founded in 2017 by Przemek Kowalczyk and Szymon Sypniewicz, headquartered in Warsaw, Poland. The company focuses on developing payment infrastructure that bridges the gap between cryptocurrency and traditional finance. Its mission is to create a seamless connection between the open blockchain financial system and conventional banking, eliminating the need for a trusted third party. Ramp Network's platform is designed for a variety of clients, including enterprises, gaming companies, non-fungible token marketplaces, decentralized finance projects, and digital wallets. This integration enables these businesses to facilitate fiat-to-crypto transactions for their users, allowing for efficient contract execution and the locking of digital assets within their operations.

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.

Comun provides an app-based platform that delivers digital banking services tailored for Latinos in the United States. The platform allows new users to apply for an FDIC-secured deposit account and a VISA debit card in under two minutes. Users benefit from access to over 55,000 ATMs throughout North America, exceptional customer service in both Spanish and English, and advanced fraud detection features to enhance security. Comun also offers free and instant transfers through its internal payments system, ComunYa, and allows users to receive their paychecks up to two days early with Direct Deposit. By addressing the unique financial needs of Latino communities, Comun aims to promote financial stability and empower users to achieve greater financial freedom.

Teya is a comprehensive solution tailored for small and growing businesses, offering a suite of services that facilitate efficient management and growth. The company specializes in payment processing, providing fast and secure transaction capabilities, along with cloud-native business management software. Teya's offerings include issuer payment processing and cash advance services, which assist merchants in enhancing their operations. With a commitment to supporting over 300,000 business owners, Teya enables them to effectively manage their businesses and fosters a positive experience in their entrepreneurial journey.

SWAP provides a modular payment platform that enables companies to enhance their financial operations through innovative technology and a unique business model. By offering APIs for end-to-end, white-label financial solutions, SWAP allows clients to create comprehensive financial ecosystems that include features such as pre-paid cards, digital wallets, and various financial services. This platform facilitates secure money disbursements to merchants, assists with fund collection and bill payments, and supports peer-to-peer transactions via QR codes. By integrating these services, SWAP empowers businesses to expand their core offerings, eliminate barriers, and develop new revenue streams, effectively establishing internal fintech capabilities.

Sendbox is a platform that offers infrastructure for shipping and escrow payments, specifically designed to support e-commerce activities on social media platforms such as Instagram, Facebook, and WhatsApp. The service enables merchants and customers in North America, Europe, and Africa to engage in secure online transactions. By identifying trustworthy merchants and utilizing an escrow system for payments, Sendbox ensures a safe purchasing environment. Additionally, the platform provides shipping solutions that allow users to send items to both domestic and international destinations at discounted rates through partnerships with various delivery services. This comprehensive approach facilitates convenient e-commerce operations for businesses and consumers alike.

Reworth is a developer of a payment relationship marketing platform that facilitates interactions between banks and merchants to enhance customer engagement. By leveraging anonymous transactional data, Reworth enables financial institutions to offer personalized merchant-funded cashback programs, which help increase customer loyalty and drive revenue. The platform's API infrastructure supports various services, including credit scoring, fraud prevention, B2B payments, and personal finance management, contributing to the future of Open Finance. Reworth equips its partners with valuable first-party data, real-time business intelligence, and competitor analysis, allowing them to accurately predict consumer behavior and create tailored experiences that resonate with customers.

Ripio, formerly known as Bitpagos, is a financial payments company based in Latin America that focuses on providing electronic payment solutions for businesses. Leveraging blockchain technology, Ripio aims to create a more accessible financial system in emerging markets. The company facilitates international transactions for merchants using credit cards or bitcoins at lower costs and allows consumers to purchase bitcoins instantly with cash. Operating in countries such as Argentina, Brazil, Chile, and Ecuador, Ripio's platform accepts various payment methods, including bitcoin and credit cards, and offers services such as local currency payouts for merchants, a digital wallet, and financing options for installment payments. Through these services, Ripio seeks to strengthen the digital economy by offering alternatives to traditional banking.

Ugami is a developer of a financial mobile application that offers financial rewards services tailored for gamers. The platform allows users to earn points through gameplay, which can be redeemed for various rewards such as gaming merchandise, digital goods, and exclusive access to esports events. Additionally, Ugami facilitates virtual card purchases via debit and credit cards, enabling users to accumulate points while managing their finances effectively. By integrating gaming with personal finance education, Ugami aims to enhance the gaming experience while promoting financial literacy among its users.

Savvy Wallet provides a platform for users to send, receive, and exchange various currencies while ensuring secure transactions through industry-standard encryption protocols. The platform features a unique consolidation tool that helps users manage their dispersed ERC-20 token balances efficiently. Additionally, Savvy is involved in enhancing the rental experience by allowing landlords to offer cash back rewards to tenants for timely rent payments, lease renewals, and participation in community events. This approach not only fosters happier tenants and improves lease retention for landlords but also drives traffic to local businesses and increases brand visibility for online retailers. Savvy aims to create a more equitable housing model that benefits renters, landlords, and local enterprises alike.

OCHO is a provider of insurance services focused on delivering affordable and fair auto insurance that supports credit building. The company offers policies with no down payments and reduced premiums, making it easier for customers to manage their finances. Additionally, OCHO's offerings include lower security deposits for renting and the elimination of deposits for utility services, allowing users to secure their assets at a competitive price. This approach aims to enhance financial accessibility for individuals while promoting responsible financial management.

Teya is a comprehensive solution tailored for small and growing businesses, offering a suite of services that facilitate efficient management and growth. The company specializes in payment processing, providing fast and secure transaction capabilities, along with cloud-native business management software. Teya's offerings include issuer payment processing and cash advance services, which assist merchants in enhancing their operations. With a commitment to supporting over 300,000 business owners, Teya enables them to effectively manage their businesses and fosters a positive experience in their entrepreneurial journey.

Ziina is a financial services company that specializes in peer-to-peer payment solutions through a mobile application. The platform ensures bank-grade security, utilizing end-to-end encryption to facilitate safe transactions. Users can send and receive funds simply using a phone number, allowing for efficient management of personal finances and greater control over their money.

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.

Denim is a freight payment system specifically designed for freight brokers, focusing on the management of working capital, carrier payments, and back-office processes. The platform offers a suite of services, including factoring, automated invoicing, collections, and payments, aimed at simplifying operations for small freight brokers. By enhancing access to critical working capital, Denim enables these brokers to thrive in a competitive market, allowing them to concentrate on their core business activities while streamlining their financial processes.

Denim is a freight payment system specifically designed for freight brokers, focusing on the management of working capital, carrier payments, and back-office processes. The platform offers a suite of services, including factoring, automated invoicing, collections, and payments, aimed at simplifying operations for small freight brokers. By enhancing access to critical working capital, Denim enables these brokers to thrive in a competitive market, allowing them to concentrate on their core business activities while streamlining their financial processes.

minu is revolutionizing the financial health of Mexican employees, offering them access to their already worked salary when they need it, instead of having to wait for payroll. The company works with HR divisions of companies that offer the provision of minu to improve satisfaction, retention, and attraction of talent. minu is supported by FinTech's leading institutional investors globally, including QED.

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.

BXblue is a digital marketplace for personal loans in Brazil, focusing on pensioners and government workers who can secure loans against their guaranteed income. This model allows banks to deduct payments directly from paychecks, resulting in interest rates significantly lower than those of conventional credit cards. Payroll-secured loans are the most affordable personal loan option in Brazil, comprising 60% of the country's personal loan market, which is valued at approximately $40 billion annually and has historically operated offline. BXblue aims to transition this entire market online by providing a platform that simplifies the loan contracting process. The platform enables users to access multiple bank offers, receive alerts on falling interest rates for refinancing, and stay informed about important account updates, allowing borrowers to choose their preferred bank for loan services.

Ziina is a financial services company that specializes in peer-to-peer payment solutions through a mobile application. The platform ensures bank-grade security, utilizing end-to-end encryption to facilitate safe transactions. Users can send and receive funds simply using a phone number, allowing for efficient management of personal finances and greater control over their money.

Rapyd is a payments platform that integrates fintech services into applications, streamlining access to a variety of local payment methods. It empowers e-commerce merchants, gig platforms, challenger wallets, remittance services, online lenders, and traditional banks to overcome the constraints of outdated infrastructure. By facilitating the creation of innovative, mobile-friendly payment solutions, Rapyd enhances the financial capabilities of its users, allowing them to adapt to the evolving demands of the digital economy.

Rapyd is a payments platform that integrates fintech services into applications, streamlining access to a variety of local payment methods. It empowers e-commerce merchants, gig platforms, challenger wallets, remittance services, online lenders, and traditional banks to overcome the constraints of outdated infrastructure. By facilitating the creation of innovative, mobile-friendly payment solutions, Rapyd enhances the financial capabilities of its users, allowing them to adapt to the evolving demands of the digital economy.

Conta Simples is a digital banking platform designed to streamline financial transactions for small and medium-sized businesses in Latin America. It combines a checking account, expense management tools, and corporate cards into a single, user-friendly interface. The platform enables businesses to manage transfers, withdrawals, and payments efficiently while providing features that enhance financial control, visibility, and autonomy. By facilitating organized and secure financial operations through both mobile and desktop access, Conta Simples aims to simplify the banking experience for entrepreneurs and finance teams.

Klar is a digital financial platform focused on providing deposit and credit services to customers in Mexico. The company operates as a challenger bank, offering instant credit, as well as cashback and withdrawal services without commissions, through its card and mobile application. By leveraging technology, Klar aims to deliver secure and cost-effective alternatives to traditional credit and debt services, catering to the evolving needs of its users.

Oyster Financial, Inc. is a financial technology company that provides an online platform tailored for freelancers, startups, and small to medium enterprises. Founded in 2018 and headquartered in San Francisco, with additional offices in Mexico City and Kathmandu, the company aims to simplify financial management for business owners. Oyster's platform allows users to track income and expenses by project or client, manage budgets, and access real-time transaction updates. It offers a Mastercard debit card, enabling users to conduct online payments and bill payments for numerous service providers. Additionally, the platform facilitates fund transfers without fees and provides tools for invoicing and financial decision-making. By streamlining these processes, Oyster empowers entrepreneurs to focus on growing their businesses.

Toss is a South Korea-based mobile financial service platform developed by the fintech startup Viva Republica, established in 2011 by Seunggun Lee in Seoul. The platform offers a range of services aimed at simplifying financial management for users, including peer-to-peer money transfers, credit score management, and bank account oversight. Additionally, Toss provides access to loan and insurance plans, facilitates bill splitting, and supports QR payments. These features collectively enable users to handle their financial needs efficiently and conveniently.

SWAP provides a modular payment platform that enables companies to enhance their financial operations through innovative technology and a unique business model. By offering APIs for end-to-end, white-label financial solutions, SWAP allows clients to create comprehensive financial ecosystems that include features such as pre-paid cards, digital wallets, and various financial services. This platform facilitates secure money disbursements to merchants, assists with fund collection and bill payments, and supports peer-to-peer transactions via QR codes. By integrating these services, SWAP empowers businesses to expand their core offerings, eliminate barriers, and develop new revenue streams, effectively establishing internal fintech capabilities.

Ripio, formerly known as Bitpagos, is a financial payments company based in Latin America that focuses on providing electronic payment solutions for businesses. Leveraging blockchain technology, Ripio aims to create a more accessible financial system in emerging markets. The company facilitates international transactions for merchants using credit cards or bitcoins at lower costs and allows consumers to purchase bitcoins instantly with cash. Operating in countries such as Argentina, Brazil, Chile, and Ecuador, Ripio's platform accepts various payment methods, including bitcoin and credit cards, and offers services such as local currency payouts for merchants, a digital wallet, and financing options for installment payments. Through these services, Ripio seeks to strengthen the digital economy by offering alternatives to traditional banking.

Velocity is a prominent financial solution provider in India, specifically catering to digitally native businesses. Founded in 2020 by Abhiroop Medhekar, Atul Khichariya, and Saurav Swaroop, the company seeks to reshape the landscape of banking and financial services for modern enterprises. Velocity offers a diverse array of financial services, including term loans, revenue-based financing, overdrafts, and payment solutions. It distinguishes itself by providing funding options that do not require equity dilution or personal guarantees, allowing clients to repay loans as a fixed percentage of their future revenues. This innovative approach presents an alternative to traditional venture capital and standard loans, enabling businesses to access necessary funds while maintaining greater control over their financial obligations.

Plooto, Inc. operates a cloud-based payments platform tailored for small and medium-sized businesses, founded in 2015 and headquartered in Toronto, Canada. The platform simplifies payment management by allowing users to send and receive payments online to anyone with an active bank account, typically completing transactions within 2-3 business days. Plooto also integrates with leading accounting software to automatically reconcile transactions, enhancing financial management. By streamlining the payment process, Plooto helps businesses overcome common challenges associated with traditional banking, enabling them to efficiently authorize, edit, send, and collect payments.

Plastiq Inc. is a payment service provider that allows users to make payments with credit and debit cards, regardless of whether the recipient accepts card payments. Founded in 2012 and based in San Francisco, California, Plastiq facilitates transactions for various expenses, including tuition, taxes, rent, utilities, and insurance, targeting businesses, institutions, and individual consumers in the United States and Canada. The platform enables users to earn credit card rewards, access early-payment discounts, and manage their cash flow more effectively. By automating B2B payments, Plastiq offers small and medium-sized enterprises a comprehensive suite of services that simplifies the payment process, allowing them to pay or receive payments via credit cards without incurring additional fees. The company aims to provide innovative payment solutions on a global scale, serving customers in over 150 countries.

Klar is a digital financial platform focused on providing deposit and credit services to customers in Mexico. The company operates as a challenger bank, offering instant credit, as well as cashback and withdrawal services without commissions, through its card and mobile application. By leveraging technology, Klar aims to deliver secure and cost-effective alternatives to traditional credit and debt services, catering to the evolving needs of its users.

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

Toss is a South Korea-based mobile financial service platform developed by the fintech startup Viva Republica, established in 2011 by Seunggun Lee in Seoul. The platform offers a range of services aimed at simplifying financial management for users, including peer-to-peer money transfers, credit score management, and bank account oversight. Additionally, Toss provides access to loan and insurance plans, facilitates bill splitting, and supports QR payments. These features collectively enable users to handle their financial needs efficiently and conveniently.

Simpl Technologies Private Limited, established in 2015 and headquartered in Mumbai, India, operates a leading online payments platform that enhances the e-commerce experience. The company has developed a market-leading Pay-Later platform, allowing merchants to offer consumers a seamless 1-click checkout experience and a line of credit at the point of sale. Simpl's innovative approach streamlines the payment process by using algorithms and payment engineering to consolidate transactions, enabling users to avoid repetitive payments. Additionally, the platform provides full buyer protection, ensuring secure monetary transactions between customers and merchants. Through its services, Simpl aims to simplify and automate the online payment experience for all parties involved.

Plastiq Inc. is a payment service provider that allows users to make payments with credit and debit cards, regardless of whether the recipient accepts card payments. Founded in 2012 and based in San Francisco, California, Plastiq facilitates transactions for various expenses, including tuition, taxes, rent, utilities, and insurance, targeting businesses, institutions, and individual consumers in the United States and Canada. The platform enables users to earn credit card rewards, access early-payment discounts, and manage their cash flow more effectively. By automating B2B payments, Plastiq offers small and medium-sized enterprises a comprehensive suite of services that simplifies the payment process, allowing them to pay or receive payments via credit cards without incurring additional fees. The company aims to provide innovative payment solutions on a global scale, serving customers in over 150 countries.

RecargaPay is a Brazilian Super App that simplifies everyday payments for consumers and small to medium-sized enterprises (SMEs). It serves over 6 million users by consolidating various payment methods, including credit and debit cards, instant payments like Pix, and Open Finance, aiming to enhance the payment experience in the country. The platform offers a range of services such as bill payments, mobile top-ups, public transportation payments, installment plans, and loans, all designed for convenience and flexibility. By catering to both banked and unbanked individuals, RecargaPay is transforming how Brazilians manage their financial transactions. Founded in 2010, the company has raised over $120 million in funding from notable investors, and it is recognized as a Payments Institution and SCD by the Brazilian Central Bank.

Plastiq Inc. is a payment service provider that allows users to make payments with credit and debit cards, regardless of whether the recipient accepts card payments. Founded in 2012 and based in San Francisco, California, Plastiq facilitates transactions for various expenses, including tuition, taxes, rent, utilities, and insurance, targeting businesses, institutions, and individual consumers in the United States and Canada. The platform enables users to earn credit card rewards, access early-payment discounts, and manage their cash flow more effectively. By automating B2B payments, Plastiq offers small and medium-sized enterprises a comprehensive suite of services that simplifies the payment process, allowing them to pay or receive payments via credit cards without incurring additional fees. The company aims to provide innovative payment solutions on a global scale, serving customers in over 150 countries.

Simpl Technologies Private Limited, established in 2015 and headquartered in Mumbai, India, operates a leading online payments platform that enhances the e-commerce experience. The company has developed a market-leading Pay-Later platform, allowing merchants to offer consumers a seamless 1-click checkout experience and a line of credit at the point of sale. Simpl's innovative approach streamlines the payment process by using algorithms and payment engineering to consolidate transactions, enabling users to avoid repetitive payments. Additionally, the platform provides full buyer protection, ensuring secure monetary transactions between customers and merchants. Through its services, Simpl aims to simplify and automate the online payment experience for all parties involved.

Plastiq Inc. is a payment service provider that allows users to make payments with credit and debit cards, regardless of whether the recipient accepts card payments. Founded in 2012 and based in San Francisco, California, Plastiq facilitates transactions for various expenses, including tuition, taxes, rent, utilities, and insurance, targeting businesses, institutions, and individual consumers in the United States and Canada. The platform enables users to earn credit card rewards, access early-payment discounts, and manage their cash flow more effectively. By automating B2B payments, Plastiq offers small and medium-sized enterprises a comprehensive suite of services that simplifies the payment process, allowing them to pay or receive payments via credit cards without incurring additional fees. The company aims to provide innovative payment solutions on a global scale, serving customers in over 150 countries.

Klarna Inc. is an e-commerce payment solutions provider that serves both merchants and consumers, specializing in flexible payment options. Founded in 2005 and headquartered in Columbus, Ohio, with additional offices in New York City, Klarna offers a range of services including direct payments, pay-after-delivery options, and installment plans. The company is recognized for its "buy now, pay later" model, allowing shoppers to finance their retail purchases with interest-free payments. Klarna also enhances the shopping experience through its app, which offers features such as cashback rewards and on-site messaging for retailers. As a regulated bank, Klarna operates under a framework that supports a variety of payment processing and dispute resolution services, aiming to make transactions simple, safe, and smooth for users.

Stripe is a technology company that develops APIs and tools for businesses to accept and manage online payments. It offers a range of products, including Payments, Subscriptions, Connect, Sigma, and Atlas, catering to various industries such as e-commerce, B2B platforms, and non-profits. Stripe also provides fraud detection tools like Radar and user interface components for custom payment forms with Stripe Elements. It supports international debit/credit cards and serves businesses in the U.S., Canada, Europe, and other regions. Additionally, Stripe Capital offers financing options based on payment history, with automatic repayment adjustments based on daily sales.

Sourcery Technologies operates an electronic invoicing and payments platform tailored for the wholesale foodservice industry, which is valued at approximately $220 billion. Founded in 2012 and based in San Francisco, the company addresses the outdated practices prevalent in the sector, such as paper catalogs and faxed orders, by bringing these transactions online. The platform streamlines the accounts payable process, offering features like invoice storage, automated workflows, and data analytics that identify pricing anomalies. Sourcery’s solution is designed for various clients, including restaurants, caterers, and corporate kitchens, enabling them to manage transactions efficiently while integrating seamlessly with popular accounting and restaurant management software. The company serves notable clients such as Palantir, Dropbox, Airbnb, and Stripe, and operates as a subsidiary of Lavu, Inc.

RecargaPay is a Brazilian Super App that simplifies everyday payments for consumers and small to medium-sized enterprises (SMEs). It serves over 6 million users by consolidating various payment methods, including credit and debit cards, instant payments like Pix, and Open Finance, aiming to enhance the payment experience in the country. The platform offers a range of services such as bill payments, mobile top-ups, public transportation payments, installment plans, and loans, all designed for convenience and flexibility. By catering to both banked and unbanked individuals, RecargaPay is transforming how Brazilians manage their financial transactions. Founded in 2010, the company has raised over $120 million in funding from notable investors, and it is recognized as a Payments Institution and SCD by the Brazilian Central Bank.

NOAH is a financial services company that focuses on facilitating seamless cross-border transactions. It offers a range of application solutions for trading in Bitcoin and integrates modern financial systems with traditional banking services. The company provides features such as currency conversion, business-to-business payments, and instant settlements. These services help businesses and individuals expedite transactions, streamline treasury operations, and maintain rapid liquidity flow across various currencies worldwide.

Ontik offers a modern payment platform designed to assist merchants in expanding their trade customer base. By automating essential credit processes, the platform alleviates administrative burdens and facilitates real-time reporting. This technology not only minimizes credit losses but also ensures timely payments. Additionally, Ontik's platform focuses on reducing credit risk and costs, providing services such as trade account creation, cash flow management, and payment oversight. Through the use of advanced credit technology and real-time risk assessment, Ontik enables merchants to enhance the effectiveness of their trade credit programs.