Flourish Ventures

Summer combines innovative technology and policy expertise to serve student loan borrowers. The company's platform provides resources including a personalized loan payment dashboard, payment notifications, student loan policy updates, and customized repayment plans, enabling student borrowers to take control of their loans and save money while repaying. Summer was established in 2017 in New York by Will Sealy.

Qoala is an InsureTech company based in Jakarta Selatan, Indonesia, founded in 2018. The company specializes in providing online insurance services that cover flight and train delays, phone screen damages, and e-commerce logistics. By utilizing big data, machine learning, IoT, and blockchain technology, Qoala aims to transform the insurance industry in Indonesia. It collaborates with major e-commerce and travel platforms to offer unique and innovative insurance products, thereby enhancing the customer experience.

Zone is a regulated blockchain network that facilitates payments and the acceptance of digital currencies. As a blockchain services company, it provides a secure infrastructure that supports various financial transactions in the digital economy. By leveraging advanced blockchain technology, Zone aims to enhance the efficiency and transparency of payment processes, making it easier for businesses and consumers to engage in digital currency transactions. Its focus on regulatory compliance ensures that its services meet the necessary legal standards, fostering trust and reliability in the evolving landscape of digital finance.

Spade specializes in transaction data enrichment by offering a unique solution that utilizes a comprehensive first-party data network. This infrastructure provides real-time access to detailed information about card transactions, including merchant identities, categories, and geolocation. By linking each transaction to accurate merchant data, Spade enables card issuers, anti-fraud providers, and fintech companies to enhance their applications and systems without the need for extensive data cleaning. The insights derived from Spade's services help clients prevent fraud, improve authorization rates, and develop innovative financial technology features, ultimately delivering greater clarity and context to each transaction.

ZestMoney is a consumer lending fintech company founded in 2016 by Priya Sharma, Lizzie Chapman, and Ashish Anantharaman. The company offers a digital lending platform that enables retail consumers to access small loans through Equated Monthly Installments (EMIs) without the requirement of a credit card or credit score. By leveraging mobile technology, digital banking, and artificial intelligence, ZestMoney aims to democratize access to financing for millions of Indian consumers. The platform utilizes AI and machine learning for effective risk profiling, allowing clients to build their credit profiles and improve their credit scores. ZestMoney collaborates with various financial institutions and non-banking financial companies to facilitate these loans, thereby enhancing financial inclusion.

Developer of a financial payment application designed to make payments digitally. The company's application helps to pay into vendors' accounts by scanning a QR code, enabling users to pay phone, electricity, and internet bills with ease.

Indifi Technologies Pvt. Ltd. operates a digital lending platform that connects lenders with small businesses seeking loans. Established in 2015 and based in Gurugram, India, the company focuses on assisting businesses that often struggle to secure financing from traditional institutions due to a lack of collateral or financial data. Indifi utilizes technology to gather and analyze data from various sources, assessing the creditworthiness and performance of potential borrowers within their respective industries. This approach allows Indifi to identify low-risk, high-potential businesses, thereby expanding access to both short- and long-term funding options. Additionally, the company provides lifecycle support services for lenders, including marketing, customer relationship management, data aggregation, and loan monitoring, while facilitating communication between borrowers and multiple lenders to enhance the likelihood of loan approval.

Summer combines innovative technology and policy expertise to serve student loan borrowers. The company's platform provides resources including a personalized loan payment dashboard, payment notifications, student loan policy updates, and customized repayment plans, enabling student borrowers to take control of their loans and save money while repaying. Summer was established in 2017 in New York by Will Sealy.

Clerkie is an AI-driven financial planning platform designed to assist Americans in managing their debt and enhancing their financial literacy. The company utilizes a proprietary financial automation system that incorporates conversational AI to create detailed financial knowledge graphs. This technology allows users to easily understand their financial situations and take actionable steps toward debt management. By combining expert financial advice with automated solutions, Clerkie aims to simplify the process of addressing debt burdens, making it more accessible for individuals to implement effective financial strategies.

Aquaconnect is a comprehensive aquaculture platform established in 2017 that supports fish and shrimp farmers in enhancing productivity and financial access through innovative technology solutions. By leveraging AI and satellite remote sensing, Aquaconnect captures pond data to deliver data-driven advisory services, enabling farmers to optimize water quality, aquatic health, and feed consumption. The platform facilitates connections between farmers and key stakeholders in the aquaculture value chain, including feed producers, equipment manufacturers, banks, and insurers. With an integrated approach, Aquaconnect has assisted over 60,000 farmers, providing them with context-aware alerts and suggestions to improve their operations. Additionally, the company offers data-enabled fintech solutions that enhance transparency for financial stakeholders engaging with the aquaculture community, ultimately helping to improve market linkages and value realization for farmers.

LittleFish was founded with the goal of promoting more satisfying, approachable, and consistently useful trade. Our approach and delivery are largely dependent on our collaborations with banks, insurers, fintechs, and other major players in the sector; after all, we are co-creators of a future where improved means of commerce are realized.

Qoala is an InsureTech company based in Jakarta Selatan, Indonesia, founded in 2018. The company specializes in providing online insurance services that cover flight and train delays, phone screen damages, and e-commerce logistics. By utilizing big data, machine learning, IoT, and blockchain technology, Qoala aims to transform the insurance industry in Indonesia. It collaborates with major e-commerce and travel platforms to offer unique and innovative insurance products, thereby enhancing the customer experience.

Cushion is a venture-backed FinTech startup that is changing the way consumers pay their recurring bills. Our goal is to help Americans pay all of their bills in full and on time while avoiding nasty fees and penalties. To bring this vision to life, we are reimagining the experience from the ground up and looking for the best of the best people to join our team as we bring our game-changing bill pay solution to the tens of millions of Americans who need it: https://angel.co/company/cushion_ai/jobs

Dolado is a company that provides a comprehensive retail management platform aimed at enhancing the operations of small businesses in Latin America, particularly in suburban areas and tier-2 cities where technology adoption is lower. The platform facilitates the buying and selling of a variety of products, including cell phone accessories, food items, automotive goods, and toys. By offering a full suite of e-commerce and financial services, Dolado helps merchants improve efficiency, lower costs, and enhance sales performance, thereby empowering them to thrive in a competitive marketplace.

EarnUp Inc. is a fintech company based in San Francisco, California, that focuses on automating loan payments for consumers. Established in 2013, EarnUp's platform is designed to assist over 200 million Americans managing various types of debt, including home mortgages, student loans, auto loans, and personal loans. The platform allows users to set aside small amounts of money when they can afford it, which are then allocated for loan payments, helping users pay off their debts more efficiently. By syncing micro-payments with individual income and automating savings in real-time, EarnUp aims to alleviate the stress of financial management and empower users to take control of their financial situations.

Propel, Inc. is a technology company based in Brooklyn, New York, founded in 2014. It specializes in developing mobile software applications aimed at improving the financial health of low-income Americans. The company's primary product, Providers, is a free app designed for EBT cardholders, enabling them to manage their government benefits, such as SNAP and rental assistance. The app also helps users save on essential expenses and earn cash, while offering features that allow them to check their balance and organize budgets around local deals. Propel's focus is on empowering its users to better navigate financial challenges and enhance their economic well-being.

Brick develops financial application programming interfaces (APIs) aimed at enhancing fintech products. The platform enables the seamless processing of end-users' financial data, offering access to transaction information from various sources, including telecommunications, e-wallets, e-commerce, and super apps. By providing real-time, secure, and accurate data, Brick's APIs facilitate the creation of personalized financial solutions, improve onboarding processes, and enhance conversion rates while reducing the risk of fraud. This empowers fintech developers to offer affordable, inclusive, and tailored products to their clients, addressing the diverse needs of the financial technology landscape.

Kaleidofin is a fintech platform focused on providing comprehensive financial solutions to under-banked individuals and households. Founded in 2017 and headquartered in Chennai, Tamil Nadu, the platform aims to help customers achieve their financial goals by offering tailored services that address the specific challenges faced by this demographic, such as volatile income and limited financial literacy. By creating individual profiles based on various data sources, Kaleidofin customizes its offerings to meet the unique needs of each customer. The platform also emphasizes goal-based financial planning, enabling users to save and invest effectively despite financial uncertainties. Through the use of analytics and user-centered design, Kaleidofin strives to improve financial outcomes for its clients.

Hummingbird is a platform for managing anti-money laundering (AML) operations. Compliance professionals use Hummingbird to collect case information, conduct investigations, and report on unusual or suspicious behaviors. The platform dramatically reduces paperwork and improves efficiency, enabling AML investigators to refocus on fighting financial crime. Hummingbird’s founding team brings together product and regulatory experience from organizations like Square, Plaid, IDEO, the Department of the Treasury, and the OCC. Hummingbird is using data and design to modernize regulatory compliance in finance.

Indifi Technologies Pvt. Ltd. operates a digital lending platform that connects lenders with small businesses seeking loans. Established in 2015 and based in Gurugram, India, the company focuses on assisting businesses that often struggle to secure financing from traditional institutions due to a lack of collateral or financial data. Indifi utilizes technology to gather and analyze data from various sources, assessing the creditworthiness and performance of potential borrowers within their respective industries. This approach allows Indifi to identify low-risk, high-potential businesses, thereby expanding access to both short- and long-term funding options. Additionally, the company provides lifecycle support services for lenders, including marketing, customer relationship management, data aggregation, and loan monitoring, while facilitating communication between borrowers and multiple lenders to enhance the likelihood of loan approval.

M2P Fintech provides a robust API infrastructure designed to support banking, payments, and lending services for businesses. The company specializes in digital payment processing, offering a unified API that enables seamless integration and supports various payment methods, including cards and wallets. M2P Fintech also focuses on compliance with regulatory standards, facilitating customer onboarding and compliance checks. By delivering essential tools and information, the company's technology enhances operational efficiency for businesses and financial institutions, ultimately improving customer experiences in a fast-evolving digital economy.

Dinie is a pioneering fintech company in Brazil that specializes in embedded lending infrastructure for B2B platforms, focusing on the underserved micro, small, and medium-sized enterprises (MSMEs) market. By simplifying the lending process, Dinie enables digital platforms to quickly offer instant revolving lines of credit and B2B payment solutions through an easy API integration. The company's services are designed to empower businesses with flexible financial tools, providing them with pre-approved credit limits that facilitate access to essential financial services. Dinie aims to enhance the financial landscape for MSMEs in Brazil, promoting their growth and success.

Aquaconnect is a comprehensive aquaculture platform established in 2017 that supports fish and shrimp farmers in enhancing productivity and financial access through innovative technology solutions. By leveraging AI and satellite remote sensing, Aquaconnect captures pond data to deliver data-driven advisory services, enabling farmers to optimize water quality, aquatic health, and feed consumption. The platform facilitates connections between farmers and key stakeholders in the aquaculture value chain, including feed producers, equipment manufacturers, banks, and insurers. With an integrated approach, Aquaconnect has assisted over 60,000 farmers, providing them with context-aware alerts and suggestions to improve their operations. Additionally, the company offers data-enabled fintech solutions that enhance transparency for financial stakeholders engaging with the aquaculture community, ultimately helping to improve market linkages and value realization for farmers.

Lidya is a financial services platform based in Lagos, Nigeria, focused on improving access to credit and finance for small and medium enterprises. Founded in 2016, Lidya enables businesses to open accounts online, manage funds, and access credit within 15 minutes using mobile-first technology and proprietary credit scoring algorithms. The platform offers a range of banking services, including invoice financing and working capital, designed to help business owners build credit profiles and secure affordable financing. Additionally, it provides tools and dashboards for managing receivables and cash flow, allowing businesses to enhance their credit scores and unlock higher credit limits.

FairMoney is a mobile banking platform founded in 2017, operating from Paris, France, and Lagos, Nigeria. The platform specializes in providing credit to private and business borrowers, particularly targeting underbanked populations in emerging markets. By leveraging smartphone data, FairMoney develops an instant credit score for users, facilitating access to various loan types, including personal, business, medical, and car loans. The company has disbursed over 350,000 loans and aims to make financial services more accessible and affordable for millions in Africa and South-East Asia. With a team of 45 professionals and backing from European and American investors, FairMoney is committed to transforming the financial landscape for underserved communities.

Credflow is a fintech company based in New Delhi, India, that specializes in cash flow management solutions tailored to specific industries. Founded in 2019, it provides a software-as-a-service platform designed to automate receivable collections and develop customized credit solutions for small and medium-sized businesses. By leveraging technology, Credflow aims to enhance the management of cash flow and reduce working capital needs, ultimately supporting businesses in achieving significant growth within their respective verticals.

M2P Fintech provides a robust API infrastructure designed to support banking, payments, and lending services for businesses. The company specializes in digital payment processing, offering a unified API that enables seamless integration and supports various payment methods, including cards and wallets. M2P Fintech also focuses on compliance with regulatory standards, facilitating customer onboarding and compliance checks. By delivering essential tools and information, the company's technology enhances operational efficiency for businesses and financial institutions, ultimately improving customer experiences in a fast-evolving digital economy.

EarnUp Inc. is a fintech company based in San Francisco, California, that focuses on automating loan payments for consumers. Established in 2013, EarnUp's platform is designed to assist over 200 million Americans managing various types of debt, including home mortgages, student loans, auto loans, and personal loans. The platform allows users to set aside small amounts of money when they can afford it, which are then allocated for loan payments, helping users pay off their debts more efficiently. By syncing micro-payments with individual income and automating savings in real-time, EarnUp aims to alleviate the stress of financial management and empower users to take control of their financial situations.

SeedFi, Inc. is an online platform that provides personal loan services specifically designed for lower-income consumers living paycheck to paycheck. Founded in early 2019 and based in San Francisco with an additional office in New York, the company aims to improve financial health by offering lower-cost access to capital and facilitating credit building. SeedFi's products cater to the needs of vulnerable individuals, enabling them to achieve financial stability through better access to financial services. By focusing on the challenges faced by these consumers, SeedFi seeks to empower them with the tools necessary for saving and improving their creditworthiness, ultimately helping them secure a more stable financial future.

Cushion is a venture-backed FinTech startup that is changing the way consumers pay their recurring bills. Our goal is to help Americans pay all of their bills in full and on time while avoiding nasty fees and penalties. To bring this vision to life, we are reimagining the experience from the ground up and looking for the best of the best people to join our team as we bring our game-changing bill pay solution to the tens of millions of Americans who need it: https://angel.co/company/cushion_ai/jobs

Grab Financial Group provides financial services across payments, rewards, lending, and insurance. A seamless point-of-sale (POS) system for merchants and a trusted mobile wallet of choice in Southeast Asia for payments such as in-store purchases, Grab transactions, and fund transfers.

Heru is a company focused on enhancing the lives of gig-economy workers by offering a comprehensive suite of services tailored to their needs. Founded in 2019 by Mateo Jaramillo and Stiven Rodriguez Sanchez, and based in Mexico City, Heru aims to improve the conditions of independent workers through technology-driven solutions. The company's financial technology platform provides essential tools for managing accounting, including electronic invoicing and tax management. It offers customized insurance policies, working capital, credit options, and financial guidance, as well as facilitating tax declarations and providing cell phone data plans. Heru's mission is to empower freelancers and independent workers by simplifying their financial responsibilities and ensuring they have access to necessary resources and expert assistance.

Neon is a Brazilian fintech established in 2016, founded by Pedro Conrade in response to the high fees charged by traditional banks. The company pioneered the first digital account in Brazil, focusing on providing a comprehensive range of financial services without abusive fees. Neon's offerings include debit and credit cards, personal loans, payroll loans, and investment options, such as CDBs and CDs, all designed with Brazilian workers in mind. Additionally, through its MEI Fácil initiative, Neon supports individual micro-entrepreneurs by providing financial services and education. The company has experienced significant growth, boasting over 15 million customers and a workforce of more than 1,600 employees. In 2021, Neon tripled its revenue and continues to anticipate strong growth. Neon For Life, an AI-driven buy now, pay later platform, further illustrates the company's commitment to enhancing financial flexibility for modern consumers by simplifying the management of essential expenses. Overall, Neon is redefining banking in Brazil by integrating technology to offer an accessible and user-friendly financial experience.

Hummingbird is a platform for managing anti-money laundering (AML) operations. Compliance professionals use Hummingbird to collect case information, conduct investigations, and report on unusual or suspicious behaviors. The platform dramatically reduces paperwork and improves efficiency, enabling AML investigators to refocus on fighting financial crime. Hummingbird’s founding team brings together product and regulatory experience from organizations like Square, Plaid, IDEO, the Department of the Treasury, and the OCC. Hummingbird is using data and design to modernize regulatory compliance in finance.

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.

Qoala is an InsureTech company based in Jakarta Selatan, Indonesia, founded in 2018. The company specializes in providing online insurance services that cover flight and train delays, phone screen damages, and e-commerce logistics. By utilizing big data, machine learning, IoT, and blockchain technology, Qoala aims to transform the insurance industry in Indonesia. It collaborates with major e-commerce and travel platforms to offer unique and innovative insurance products, thereby enhancing the customer experience.

Summer combines innovative technology and policy expertise to serve student loan borrowers. The company's platform provides resources including a personalized loan payment dashboard, payment notifications, student loan policy updates, and customized repayment plans, enabling student borrowers to take control of their loans and save money while repaying. Summer was established in 2017 in New York by Will Sealy.

ZestMoney is a consumer lending fintech company founded in 2016 by Priya Sharma, Lizzie Chapman, and Ashish Anantharaman. The company offers a digital lending platform that enables retail consumers to access small loans through Equated Monthly Installments (EMIs) without the requirement of a credit card or credit score. By leveraging mobile technology, digital banking, and artificial intelligence, ZestMoney aims to democratize access to financing for millions of Indian consumers. The platform utilizes AI and machine learning for effective risk profiling, allowing clients to build their credit profiles and improve their credit scores. ZestMoney collaborates with various financial institutions and non-banking financial companies to facilitate these loans, thereby enhancing financial inclusion.

Neon is a Brazilian fintech established in 2016, founded by Pedro Conrade in response to the high fees charged by traditional banks. The company pioneered the first digital account in Brazil, focusing on providing a comprehensive range of financial services without abusive fees. Neon's offerings include debit and credit cards, personal loans, payroll loans, and investment options, such as CDBs and CDs, all designed with Brazilian workers in mind. Additionally, through its MEI Fácil initiative, Neon supports individual micro-entrepreneurs by providing financial services and education. The company has experienced significant growth, boasting over 15 million customers and a workforce of more than 1,600 employees. In 2021, Neon tripled its revenue and continues to anticipate strong growth. Neon For Life, an AI-driven buy now, pay later platform, further illustrates the company's commitment to enhancing financial flexibility for modern consumers by simplifying the management of essential expenses. Overall, Neon is redefining banking in Brazil by integrating technology to offer an accessible and user-friendly financial experience.

MyShubhLife is a comprehensive financial services provider focused on serving the unbanked and underserved populations, often referred to as the Next Half Billion. The company leverages real-time analytics and alternative data to generate credit reports, facilitating meaningful financial inclusion. Its offerings include a variety of financial products such as personal loans, microloans, insurance, mutual fund systematic investment plans, and tax filing services. Additionally, MyShubhLife promotes financial wellness through dedicated programs for both corporates and individuals. By employing an innovative credit scoring methodology, the platform assesses the creditworthiness of customers, thereby enabling access to affordable loan options.

Alloy Digital LLC is a prominent media company focused on the 12-34 demographic, recognized for its digital media and video network that creates and delivers original content across various platforms. In addition to its media operations, Alloy has developed an identity verification platform designed to enhance security and streamline fraud prevention for banks and financial institutions. This platform offers a single API and dashboard that simplifies the management of customer data, enabling organizations to automate their identity compliance and fraud decision processes. By integrating multiple data sources and providing tools for case management and reporting, Alloy supports financial institutions and FinTech companies in effectively addressing identity and compliance challenges.

FairMoney is a mobile banking platform founded in 2017, operating from Paris, France, and Lagos, Nigeria. The platform specializes in providing credit to private and business borrowers, particularly targeting underbanked populations in emerging markets. By leveraging smartphone data, FairMoney develops an instant credit score for users, facilitating access to various loan types, including personal, business, medical, and car loans. The company has disbursed over 350,000 loans and aims to make financial services more accessible and affordable for millions in Africa and South-East Asia. With a team of 45 professionals and backing from European and American investors, FairMoney is committed to transforming the financial landscape for underserved communities.

Indifi Technologies Pvt. Ltd. operates a digital lending platform that connects lenders with small businesses seeking loans. Established in 2015 and based in Gurugram, India, the company focuses on assisting businesses that often struggle to secure financing from traditional institutions due to a lack of collateral or financial data. Indifi utilizes technology to gather and analyze data from various sources, assessing the creditworthiness and performance of potential borrowers within their respective industries. This approach allows Indifi to identify low-risk, high-potential businesses, thereby expanding access to both short- and long-term funding options. Additionally, the company provides lifecycle support services for lenders, including marketing, customer relationship management, data aggregation, and loan monitoring, while facilitating communication between borrowers and multiple lenders to enhance the likelihood of loan approval.

Brigit is a financial platform that focuses on promoting financial health and well-being for its users. The platform offers tools for cash advances, credit building, and financial management, allowing individuals to monitor their bills and budgets effectively. By providing insights into spending habits, Brigit helps users manage their finances more prudently and access credit options without incurring heavy interest costs. This approach aims to enhance users' financial stability and sustainability.

Clerkie is an AI-driven financial planning platform designed to assist Americans in managing their debt and enhancing their financial literacy. The company utilizes a proprietary financial automation system that incorporates conversational AI to create detailed financial knowledge graphs. This technology allows users to easily understand their financial situations and take actionable steps toward debt management. By combining expert financial advice with automated solutions, Clerkie aims to simplify the process of addressing debt burdens, making it more accessible for individuals to implement effective financial strategies.

Clerkie is an AI-driven financial planning platform designed to assist Americans in managing their debt and enhancing their financial literacy. The company utilizes a proprietary financial automation system that incorporates conversational AI to create detailed financial knowledge graphs. This technology allows users to easily understand their financial situations and take actionable steps toward debt management. By combining expert financial advice with automated solutions, Clerkie aims to simplify the process of addressing debt burdens, making it more accessible for individuals to implement effective financial strategies.

Cushion is a venture-backed FinTech startup that is changing the way consumers pay their recurring bills. Our goal is to help Americans pay all of their bills in full and on time while avoiding nasty fees and penalties. To bring this vision to life, we are reimagining the experience from the ground up and looking for the best of the best people to join our team as we bring our game-changing bill pay solution to the tens of millions of Americans who need it: https://angel.co/company/cushion_ai/jobs

ZestMoney is a consumer lending fintech company founded in 2016 by Priya Sharma, Lizzie Chapman, and Ashish Anantharaman. The company offers a digital lending platform that enables retail consumers to access small loans through Equated Monthly Installments (EMIs) without the requirement of a credit card or credit score. By leveraging mobile technology, digital banking, and artificial intelligence, ZestMoney aims to democratize access to financing for millions of Indian consumers. The platform utilizes AI and machine learning for effective risk profiling, allowing clients to build their credit profiles and improve their credit scores. ZestMoney collaborates with various financial institutions and non-banking financial companies to facilitate these loans, thereby enhancing financial inclusion.

Alloy Digital LLC is a prominent media company focused on the 12-34 demographic, recognized for its digital media and video network that creates and delivers original content across various platforms. In addition to its media operations, Alloy has developed an identity verification platform designed to enhance security and streamline fraud prevention for banks and financial institutions. This platform offers a single API and dashboard that simplifies the management of customer data, enabling organizations to automate their identity compliance and fraud decision processes. By integrating multiple data sources and providing tools for case management and reporting, Alloy supports financial institutions and FinTech companies in effectively addressing identity and compliance challenges.

Scribox operates as a digital wealth management platform that facilitates mutual fund investments in India. Founded in 2012 and headquartered in Bengaluru, the platform allows users to buy and sell various mutual funds, including equity, debt, and tax-saving options. By providing financial advice and streamlined investment services, Scribox aims to enhance users' investment experiences and help them achieve better returns. The company's focus on simplifying the investment process makes it a valuable resource for individuals looking to navigate the complexities of mutual fund investing.

Cushion is a venture-backed FinTech startup that is changing the way consumers pay their recurring bills. Our goal is to help Americans pay all of their bills in full and on time while avoiding nasty fees and penalties. To bring this vision to life, we are reimagining the experience from the ground up and looking for the best of the best people to join our team as we bring our game-changing bill pay solution to the tens of millions of Americans who need it: https://angel.co/company/cushion_ai/jobs

Propel, Inc. is a technology company based in Brooklyn, New York, founded in 2014. It specializes in developing mobile software applications aimed at improving the financial health of low-income Americans. The company's primary product, Providers, is a free app designed for EBT cardholders, enabling them to manage their government benefits, such as SNAP and rental assistance. The app also helps users save on essential expenses and earn cash, while offering features that allow them to check their balance and organize budgets around local deals. Propel's focus is on empowering its users to better navigate financial challenges and enhance their economic well-being.

Hummingbird is a platform for managing anti-money laundering (AML) operations. Compliance professionals use Hummingbird to collect case information, conduct investigations, and report on unusual or suspicious behaviors. The platform dramatically reduces paperwork and improves efficiency, enabling AML investigators to refocus on fighting financial crime. Hummingbird’s founding team brings together product and regulatory experience from organizations like Square, Plaid, IDEO, the Department of the Treasury, and the OCC. Hummingbird is using data and design to modernize regulatory compliance in finance.

Chime is a mobile banking and finance platform that provides users with convenient banking services designed for modern financial needs. The platform allows users to access bank accounts with fee-free overdrafts and offers the opportunity for early access to paychecks. Chime's unique savings feature automatically sets aside a predetermined amount of money after each transaction, promoting better financial habits and helping members save. The company earns revenue through transaction fees paid by merchants, aligning its interests with those of its users. By focusing on user-friendly services, Chime aims to empower individuals to gain greater control and flexibility over their finances while avoiding traditional banking fees.

Neon is a Brazilian fintech established in 2016, founded by Pedro Conrade in response to the high fees charged by traditional banks. The company pioneered the first digital account in Brazil, focusing on providing a comprehensive range of financial services without abusive fees. Neon's offerings include debit and credit cards, personal loans, payroll loans, and investment options, such as CDBs and CDs, all designed with Brazilian workers in mind. Additionally, through its MEI Fácil initiative, Neon supports individual micro-entrepreneurs by providing financial services and education. The company has experienced significant growth, boasting over 15 million customers and a workforce of more than 1,600 employees. In 2021, Neon tripled its revenue and continues to anticipate strong growth. Neon For Life, an AI-driven buy now, pay later platform, further illustrates the company's commitment to enhancing financial flexibility for modern consumers by simplifying the management of essential expenses. Overall, Neon is redefining banking in Brazil by integrating technology to offer an accessible and user-friendly financial experience.

Kaleidofin is a fintech platform focused on providing comprehensive financial solutions to under-banked individuals and households. Founded in 2017 and headquartered in Chennai, Tamil Nadu, the platform aims to help customers achieve their financial goals by offering tailored services that address the specific challenges faced by this demographic, such as volatile income and limited financial literacy. By creating individual profiles based on various data sources, Kaleidofin customizes its offerings to meet the unique needs of each customer. The platform also emphasizes goal-based financial planning, enabling users to save and invest effectively despite financial uncertainties. Through the use of analytics and user-centered design, Kaleidofin strives to improve financial outcomes for its clients.

Tandem is creating a better bank, challenging legacy banking by building an app and products with input from their community of users. Tandem's goal is to make money simple, help their users save, and free up their time from financial stress.

Guiabolso is a Brazilian fintech company established in 2014 that aims to transform the financial landscape through Open Banking. The company offers an app that serves over 6 million users, providing granular financial data and solutions for consolidated financial management. Users can access a curated marketplace of financial products and utilize instant payment capabilities. Guiabolso also delivers unique segmenting and scoring functionalities for its corporate partners. It stands out as the only Brazilian company with a fully operational end-to-end Open Banking solution for B2B clients, which includes advanced analytics, a white-label marketplace, and personal financial management tools. Founded by Thiago Alvarez and Benjamin Gleason, Guiabolso focuses on leveraging innovative technology to enhance financial well-being and improve the lives of consumers in Brazil.

Lendable, Inc. is a financial services company based in San Francisco, California, founded in 2014. It specializes in providing debt financing to fintech companies operating in emerging and frontier markets. The firm bridges the gap between institutional debt investors and high-growth alternative lenders, particularly in Africa, enabling these lenders to expand their loan portfolios and access necessary financing. Lendable also offers a comprehensive database that includes market repayment, demographic, and contextual data, which aids in model improvement and validation. Additionally, the company provides a risk engine that assesses individual credit risk as well as portfolio and group-level risk, thereby enhancing the decision-making capabilities of lenders and originators of debt in developing markets.

Chime is a mobile banking and finance platform that provides users with convenient banking services designed for modern financial needs. The platform allows users to access bank accounts with fee-free overdrafts and offers the opportunity for early access to paychecks. Chime's unique savings feature automatically sets aside a predetermined amount of money after each transaction, promoting better financial habits and helping members save. The company earns revenue through transaction fees paid by merchants, aligning its interests with those of its users. By focusing on user-friendly services, Chime aims to empower individuals to gain greater control and flexibility over their finances while avoiding traditional banking fees.

Propel, Inc. is a technology company based in Brooklyn, New York, founded in 2014. It specializes in developing mobile software applications aimed at improving the financial health of low-income Americans. The company's primary product, Providers, is a free app designed for EBT cardholders, enabling them to manage their government benefits, such as SNAP and rental assistance. The app also helps users save on essential expenses and earn cash, while offering features that allow them to check their balance and organize budgets around local deals. Propel's focus is on empowering its users to better navigate financial challenges and enhance their economic well-being.

Lidya is a financial services platform based in Lagos, Nigeria, focused on improving access to credit and finance for small and medium enterprises. Founded in 2016, Lidya enables businesses to open accounts online, manage funds, and access credit within 15 minutes using mobile-first technology and proprietary credit scoring algorithms. The platform offers a range of banking services, including invoice financing and working capital, designed to help business owners build credit profiles and secure affordable financing. Additionally, it provides tools and dashboards for managing receivables and cash flow, allowing businesses to enhance their credit scores and unlock higher credit limits.

Tez Financial Services Limited is a digital non-banking microfinance company based in Karachi, Pakistan, incorporated in 2018. It offers a smartphone application that aggregates various financial services, targeting the unbanked and under-banked population. The platform provides products such as Tez Advance, which offers nano credit services, Tez Bima for insurance distribution, and Tez Sarmaya for medium-to-long term investments. By leveraging algorithms and artificial intelligence, the application analyzes users' digital footprints and consumption patterns to enhance financial access and support short-term liquidity needs while also offering security through health and term life insurance.

Indifi Technologies Pvt. Ltd. operates a digital lending platform that connects lenders with small businesses seeking loans. Established in 2015 and based in Gurugram, India, the company focuses on assisting businesses that often struggle to secure financing from traditional institutions due to a lack of collateral or financial data. Indifi utilizes technology to gather and analyze data from various sources, assessing the creditworthiness and performance of potential borrowers within their respective industries. This approach allows Indifi to identify low-risk, high-potential businesses, thereby expanding access to both short- and long-term funding options. Additionally, the company provides lifecycle support services for lenders, including marketing, customer relationship management, data aggregation, and loan monitoring, while facilitating communication between borrowers and multiple lenders to enhance the likelihood of loan approval.

ZestMoney is a consumer lending fintech company founded in 2016 by Priya Sharma, Lizzie Chapman, and Ashish Anantharaman. The company offers a digital lending platform that enables retail consumers to access small loans through Equated Monthly Installments (EMIs) without the requirement of a credit card or credit score. By leveraging mobile technology, digital banking, and artificial intelligence, ZestMoney aims to democratize access to financing for millions of Indian consumers. The platform utilizes AI and machine learning for effective risk profiling, allowing clients to build their credit profiles and improve their credit scores. ZestMoney collaborates with various financial institutions and non-banking financial companies to facilitate these loans, thereby enhancing financial inclusion.

Scribox operates as a digital wealth management platform that facilitates mutual fund investments in India. Founded in 2012 and headquartered in Bengaluru, the platform allows users to buy and sell various mutual funds, including equity, debt, and tax-saving options. By providing financial advice and streamlined investment services, Scribox aims to enhance users' investment experiences and help them achieve better returns. The company's focus on simplifying the investment process makes it a valuable resource for individuals looking to navigate the complexities of mutual fund investing.

Tandem is creating a better bank, challenging legacy banking by building an app and products with input from their community of users. Tandem's goal is to make money simple, help their users save, and free up their time from financial stress.

Guiabolso is a Brazilian fintech company established in 2014 that aims to transform the financial landscape through Open Banking. The company offers an app that serves over 6 million users, providing granular financial data and solutions for consolidated financial management. Users can access a curated marketplace of financial products and utilize instant payment capabilities. Guiabolso also delivers unique segmenting and scoring functionalities for its corporate partners. It stands out as the only Brazilian company with a fully operational end-to-end Open Banking solution for B2B clients, which includes advanced analytics, a white-label marketplace, and personal financial management tools. Founded by Thiago Alvarez and Benjamin Gleason, Guiabolso focuses on leveraging innovative technology to enhance financial well-being and improve the lives of consumers in Brazil.

ZestMoney is a consumer lending fintech company founded in 2016 by Priya Sharma, Lizzie Chapman, and Ashish Anantharaman. The company offers a digital lending platform that enables retail consumers to access small loans through Equated Monthly Installments (EMIs) without the requirement of a credit card or credit score. By leveraging mobile technology, digital banking, and artificial intelligence, ZestMoney aims to democratize access to financing for millions of Indian consumers. The platform utilizes AI and machine learning for effective risk profiling, allowing clients to build their credit profiles and improve their credit scores. ZestMoney collaborates with various financial institutions and non-banking financial companies to facilitate these loans, thereby enhancing financial inclusion.

Scribox operates as a digital wealth management platform that facilitates mutual fund investments in India. Founded in 2012 and headquartered in Bengaluru, the platform allows users to buy and sell various mutual funds, including equity, debt, and tax-saving options. By providing financial advice and streamlined investment services, Scribox aims to enhance users' investment experiences and help them achieve better returns. The company's focus on simplifying the investment process makes it a valuable resource for individuals looking to navigate the complexities of mutual fund investing.