FJ Labs

Optifino is a fintech company that specializes in educating clients about the benefits of compounding and tax-efficient investments designed to last through generations. The firm focuses on transforming life insurance by enhancing transparency, protection, tax management, and liquidity. By bridging the gap between life insurance and investing, Optifino aims to provide innovative solutions that deliver value at every interaction, empowering customers to make informed financial decisions.

Digitt is a financial technology company that focuses on providing equitable financial tools to address the issues of predatory lending, particularly in the credit card sector. The company offers low-interest rates ranging from 20% to 42% per year, significantly lower than traditional bank rates. This enables customers to manage their debt more effectively, reducing the overall interest paid and facilitating quicker repayment. Digitt's products are designed to be transparent, giving users a clear understanding of their monthly payment obligations and timelines for becoming debt-free. By transforming the way individuals handle credit card debt, Digitt aims to empower users to regain control of their finances and achieve their financial goals.

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.

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.

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.

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.

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.

Goin is a mobile application focused on enhancing users' financial health by integrating with their traditional banking systems. The app offers a range of innovative tools that assist users in saving, investing, and smart shopping. By leveraging machine learning algorithms, Goin analyzes users' banking information and spending habits to provide personalized insights and recommendations. It encourages users to accumulate savings through small daily actions, such as rounding up their payments. Additionally, Goin enables users to easily transfer funds to various investment options, including cryptocurrencies and equity funds, as well as manage their finances more effectively. Through these features, Goin aims to empower users to improve their financial well-being and lifestyle.

Possible Finance is a consumer finance company dedicated to providing access to capital while promoting long-term financial health. The company aims to assist communities in breaking the debt cycle and fostering economic mobility across generations. It has developed a mobile-only loan application that offers flexible short-term financing options, enabling borrowers to repay loans over time. The platform is designed to be simple and affordable, akin to traditional payday loans, but without requiring a credit check. Additionally, it allows for longer repayment schedules through multiple installments, making it easier for borrowers to manage their finances responsibly.

Abhi is a financial wellness platform based in Pakistan that offers employees the ability to access salary advances based on their accrued wages. Founded in 2021, the platform allows users to withdraw a portion of their earned income directly into their bank accounts, addressing immediate financial needs without hidden fees. In addition to salary advances, Abhi provides services such as invoice factoring and payroll processing, aimed at facilitating timely payments for employees. This solution not only supports individual financial health but also helps employers streamline processes within their HR and finance departments, ultimately improving overall workplace efficiency.

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.

Digitt is a financial technology company that focuses on providing equitable financial tools to address the issues of predatory lending, particularly in the credit card sector. The company offers low-interest rates ranging from 20% to 42% per year, significantly lower than traditional bank rates. This enables customers to manage their debt more effectively, reducing the overall interest paid and facilitating quicker repayment. Digitt's products are designed to be transparent, giving users a clear understanding of their monthly payment obligations and timelines for becoming debt-free. By transforming the way individuals handle credit card debt, Digitt aims to empower users to regain control of their finances and achieve their financial goals.

Solvo is a developer of a cryptocurrency investment platform that simplifies the process of buying, selling, and trading cryptocurrencies. Its iOS application offers a user-friendly interface that enhances the experience for both novice learners and experienced investors. The platform streamlines account opening and money transfer processes, reducing complexity and making it easier for users to engage with cryptocurrencies. By providing accessible educational resources and a variety of investment opportunities, Solvo aims to facilitate a smoother entry into the crypto market for its customers.

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.

Goin is a mobile application focused on enhancing users' financial health by integrating with their traditional banking systems. The app offers a range of innovative tools that assist users in saving, investing, and smart shopping. By leveraging machine learning algorithms, Goin analyzes users' banking information and spending habits to provide personalized insights and recommendations. It encourages users to accumulate savings through small daily actions, such as rounding up their payments. Additionally, Goin enables users to easily transfer funds to various investment options, including cryptocurrencies and equity funds, as well as manage their finances more effectively. Through these features, Goin aims to empower users to improve their financial well-being and lifestyle.

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.

SmartAsset is an online platform dedicated to providing consumer-focused financial information and advice. It operates SmartAdvisor, a marketplace designed to connect consumers with financial advisors and products. The platform reaches approximately 75 million users each month through its educational content, personalized calculators, and decision-making tools, all aimed at helping individuals make informed financial choices related to home buying, retirement, and taxes. SmartAsset has gained recognition for its growth and innovation, having been ranked among the fastest-growing private companies and listed among the best financial planning technology companies. With a recent valuation exceeding $1 billion following a significant funding round, SmartAsset continues to enhance its offerings to empower users in their financial journeys.

Harness Wealth is a wealth management platform tailored for entrepreneurs, investors, and individuals involved in business development. It aims to provide accessible and valuable financial advice through a combination of innovative technology and expert advisory services. The platform employs proprietary technology to create personalized financial profiles, including balance sheets and opportunity assessments. This unified data approach enables clients to effectively monitor their financial activities and identify opportunities for growth. By integrating financial advisors, estate lawyers, and tax professionals, Harness Wealth offers comprehensive support to help clients achieve their financial goals and build lasting legacies.

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.

Nubank is a prominent digital bank revolutionizing finance with its customer-centric approach. It provides a variety of services, including credit cards, personal loans, and digital payments, all accessible through a simple mobile app. Known for transparency, ease of use, and low fees, Nubank aims to empower users with innovative solutions for better financial management.

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.

Possible Finance is a consumer finance company dedicated to providing access to capital while promoting long-term financial health. The company aims to assist communities in breaking the debt cycle and fostering economic mobility across generations. It has developed a mobile-only loan application that offers flexible short-term financing options, enabling borrowers to repay loans over time. The platform is designed to be simple and affordable, akin to traditional payday loans, but without requiring a credit check. Additionally, it allows for longer repayment schedules through multiple installments, making it easier for borrowers to manage their finances responsibly.

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.

Possible Finance is a consumer finance company dedicated to providing access to capital while promoting long-term financial health. The company aims to assist communities in breaking the debt cycle and fostering economic mobility across generations. It has developed a mobile-only loan application that offers flexible short-term financing options, enabling borrowers to repay loans over time. The platform is designed to be simple and affordable, akin to traditional payday loans, but without requiring a credit check. Additionally, it allows for longer repayment schedules through multiple installments, making it easier for borrowers to manage their finances responsibly.

Possible Finance is a consumer finance company dedicated to providing access to capital while promoting long-term financial health. The company aims to assist communities in breaking the debt cycle and fostering economic mobility across generations. It has developed a mobile-only loan application that offers flexible short-term financing options, enabling borrowers to repay loans over time. The platform is designed to be simple and affordable, akin to traditional payday loans, but without requiring a credit check. Additionally, it allows for longer repayment schedules through multiple installments, making it easier for borrowers to manage their finances responsibly.

Cuenca is a Mexican FinTech company that specializes in providing digital financial services through its online banking application. The platform enables users to securely deposit and borrow money, offering features such as interest-bearing savings accounts and flexible loan facilities. By facilitating digital transactions, Cuenca aims to enhance the convenience of managing personal finances, allowing users to pay back loans according to their individual needs.

SmartAsset is an online platform dedicated to providing consumer-focused financial information and advice. It operates SmartAdvisor, a marketplace designed to connect consumers with financial advisors and products. The platform reaches approximately 75 million users each month through its educational content, personalized calculators, and decision-making tools, all aimed at helping individuals make informed financial choices related to home buying, retirement, and taxes. SmartAsset has gained recognition for its growth and innovation, having been ranked among the fastest-growing private companies and listed among the best financial planning technology companies. With a recent valuation exceeding $1 billion following a significant funding round, SmartAsset continues to enhance its offerings to empower users in their financial journeys.

Chipper, Inc. is a company that develops a student loan management application designed to help students analyze, manage, and repay their student debt. Founded in 2017 and based in Austin, Texas, Chipper's platform aims to lower payments, assist users in qualifying for loan forgiveness, and facilitate faster debt repayment. The company focuses on creating modern financial products tailored to address the challenges faced by individuals burdened by student loans.

Yieldstreet is a management platform that provides retail investors access to income-generating investment products. Founded in 2015, It gives individuals access to alternative investments that have traditionally been off-limits to the average investor. With over $2.5 billion invested across multiple asset classes, Yieldstreet is changing the way people generate passive income by lowering and removing the barriers that historically kept these lucrative opportunities far out of reach. In 2013, founders Milind Mehere and Michael Weisz were frustrated that many investment strategies were typically reserved only for institutions and the ultra-wealthy. Typically, the average investor was left to choose between the stock market and bonds with falling yields - with few options in between. Asset-based investments had longer hold periods and a higher barrier of entry, keeping them well out of reach of accredited investors — even more so for unaccredited investors. As a result, they decided to leverage the growing fintech disruption to give more people access to these previously restricted alternative investments. Milind’s background in building companies combined with Michael’s decade-plus experience in investing and fund management formed the core of Yieldstreet. Passion for their investors and employees as well as a willing embrace of innovation, has been part of Yieldstreet’s identity from the beginning. Each decision to leverage a new technology, or investment strategy, or originate a new deal is made to put investors first. That drive has propelled Yieldstreet across all 50 states, crossing $100M invested in less than eight quarters, with the $1B milestone coming only three years later. In 2019, Yieldstreet’s membership had grown to 100,000, and a savings account for members was launched. Yieldstreet, since its launch in 2015, has not deviated from its goal to change investing for the better, nor has it slowed down. Yieldstreet was ranked number 46 on the Inc. 5000 list of the fastest-growing companies and has been recognized by Built In as one of the Best Places to Work. Yieldstreet today delivers wealth generation options and alternative investments for more than 330,000 investors and has returned more than $1.3 billion in principal/interest. Many alternative investment platforms only focus on one asset class, such as real estate or art. Yieldstreet’s offerings, accessed through cash or a low-fee IRA, cover a wide range of asset classes — art, real estate, legal, corporates, consumer, and commercial, via single investments or funds. Yieldstreet also offers its members short-term notes on offerings with a hold period between 3 and 6 months, which generally boast higher interest rates than money markets and CDs. Yieldstreet is headquartered in New York and has offices in Brazil, Greece, and Malta. Michael Weisz serves as President and Milind Mehere serves as CEO. Together, they manage a team of more than 140 employees, all working toward Yieldstreet’s one goal: to change the way people invest for the better.

Raisin is an online financial marketplace based in Berlin, Germany, that connects retail customers with banks seeking to expand their deposit base. Established in 2012, Raisin aims to help savers access the best interest rates available across Europe by offering a range of exclusive savings and investment products. The platform allows users to choose from various options, including overnight flexible savings and long-term deposits, enabling them to earn competitive returns by depositing their money in different banks. Raisin ensures a seamless investment process and simplifies the management of investments through a single platform, enhancing the experience for both individuals and businesses. In June 2021, Raisin expanded its capabilities through a merger with Deposit Solutions, further solidifying its position in the market.

Raisin is an online financial marketplace based in Berlin, Germany, that connects retail customers with banks seeking to expand their deposit base. Established in 2012, Raisin aims to help savers access the best interest rates available across Europe by offering a range of exclusive savings and investment products. The platform allows users to choose from various options, including overnight flexible savings and long-term deposits, enabling them to earn competitive returns by depositing their money in different banks. Raisin ensures a seamless investment process and simplifies the management of investments through a single platform, enhancing the experience for both individuals and businesses. In June 2021, Raisin expanded its capabilities through a merger with Deposit Solutions, further solidifying its position in the market.