Flourish Ventures

Fuse builds financial infrastructure in the Middle East on MENA's first developer-focused banking stack.

MoneyHash streamlines payment processes for businesses by offering a unified API that integrates various pay-in and pay-out rails. It provides a customizable checkout experience, optimizes transaction routing to minimize fraud failures, and offers centralized reporting.

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.

Morada Uno is a technology company that equips real estate brokers and professionals with digital tools and financial products. Its services enable seamless and secure rental processes, enhancing interactions between property owners and tenants.

Akua is a technology company specializing in payment processing solutions for businesses in Latin America. It operates an "acquiring-as-a-service" platform that provides secure, efficient, and scalable payment processing services. The platform enables businesses to accept card payments using a single application programming interface, offering advanced transaction processing, fraud prevention, regional integration, data analytics, and comprehensive reporting features. Akua aims to address the challenges posed by the dominance of outdated systems and limited adoption of new payment technologies in the region's acquiring card payment markets.

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.

M2P Fintech is a leading provider of a comprehensive API infrastructure designed to facilitate banking, payments, and lending services for businesses. The company offers a unified platform that supports various payment methods, including cards and digital wallets, while ensuring compliance with regulatory standards. M2P Fintech's technology enables seamless customer onboarding and compliance checks, thereby streamlining operations for financial institutions. By equipping sales teams with essential tools and information, M2P Fintech enhances the management of financial services, ultimately improving customer experiences in an increasingly digital economy.

Kaleidofin is a fintech company that delivers holistic financial solutions for underbanked individuals and households in India. It builds individual profiles from multiple data sources to tailor goal-based financial services that address income volatility and limited financial literacy. The platform helps users plan savings and investments through a data-driven model that estimates income, saving capacity, and monetary health, enabling personal wealth management. With a focus on intuitive design and analytics, Kaleidofin aims to expand access to customized financial guidance.

Brico is a licensing platform designed to assist companies in acquiring new financial licenses and managing their ongoing licensing requirements. The company aims to simplify the complex and often expensive process of obtaining these licenses by leveraging automation and potentially artificial intelligence. By streamlining this process, Brico enables its customers to navigate the regulatory landscape more efficiently, fostering innovation and competition within the financial sector.

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.

Ringkas streamlines the mortgage process through its digital platform. It aims to make home ownership more accessible by efficiently matching customer profiles with suitable financial institutions based on risk appetite, and simplifying the pre-qualification process.

Zone is a regulated blockchain network that facilitates the acceptance and payment of digital currencies. As a blockchain services company, it provides a secure and efficient infrastructure for transactions, promoting the use of digital assets in various applications. By leveraging blockchain technology, Zone aims to enhance financial transactions through increased transparency and reduced costs, catering to businesses and consumers looking to integrate digital currencies into their operations.

Spade provides a transaction data enrichment platform powered by a large first-party data network. Its API delivers real-time, granular card-transaction details, including merchant identity, category, and geolocation, enabling issuers, anti-fraud providers, and fintechs to improve authorization rates, reduce fraud, and innovate with richer payment insights.

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 is an Indian digital lending platform that connects small businesses with multiple lenders to secure debt financing. The platform employs automated data collection and analysis to assess creditworthiness, drawing insights from diverse data sources and industry context to identify low-risk, high-promise borrowers. By presenting loan options from a network of lenders, Indifi helps businesses obtain financing without collateral and supports lenders with lifecycle services such as marketing, CRM, loan monitoring, and payment management. The platform serves sectors including e-commerce, travel, hospitality, retail, and trading, supporting growth for small enterprises.

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 that provides financial knowledge, personalized answers, and actionable plans to help users manage their finances. It also automates loan servicing and supports credit score building through debt management, using conversational AI to build comprehensive financial knowledge graphs that enable the management of loan losses and integrate financial advice with one-click automation. These capabilities serve lenders, businesses, and individuals by helping optimize loan portfolios, improve repayment performance, and promote financial wellness.

TrueBiz is a developer of an information and documentation platform designed to enhance the onboarding process for financial services providers. The company's platform automates the processing of essential company documents, such as articles of incorporation, and integrates key business signals to facilitate efficient identification. By streamlining these processes, TrueBiz aims to reduce verification delays, ultimately helping financial institutions onboard their business customers more swiftly and decrease churn associated with these delays.

Founded in 2017, Aquaconnect is a tech-driven platform dedicated to improving aquaculture productivity. It connects fish and shrimp farmers with stakeholders across the value chain, providing intelligent technology solutions for farm advisory, financial access, and market linkage.

Heru is a company focused on enhancing the lives of gig-economy workers through technology-driven services and benefits tailored to their unique needs. Founded in 2019 by Mateo Jaramillo and Stiven Rodriguez Sanchez, and headquartered in Mexico City, the company offers a comprehensive financial technology platform that simplifies accounting processes for independent workers. Heru's services include electronic invoicing, tax management, tailored insurance policies, working capital solutions, and expert financial guidance. By providing tools for efficient tax obligation management and access to essential resources, Heru aims to improve the overall well-being and working conditions of freelancers and independent professionals.

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.

Mapan is a social fintech company that aims to enhance financial accessibility for underserved communities. It empowers local influencers, predominantly women, as microentrepreneurs to facilitate community growth collectively while earning income through reselling services.

Unit is a financial infrastructure platform that enables technology companies to integrate financial features into their products, including accounts, cards, payments, and lending. By streamlining the process of launching vertical banks, Unit manages compliance and banking relationships, allowing businesses to create unique banking experiences efficiently. This capability not only accelerates the development timeline for financial services but also enhances customer engagement and lifetime value by differentiating their offerings in a competitive market.

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 Latin American platform that helps small businesses increase sales, improve purchasing, and streamline operations through an integrated suite of e-commerce and financial services. It targets merchants in suburban areas and tier-2 cities where technology adoption is lower, providing tools to buy and sell a wide range of products, such as cell phone accessories, food items, automotive goods, and toys, and to manage inventory, payments, and other retail processes more efficiently.

Apollo Agriculture is an agtech company that provides smallholder farmers with access to high-quality inputs, credit, and advisory services. Using agronomic machine learning, remote sensing, and mobile technology, it assesses farmer credit risk and tailors each package to a farm’s location by integrating satellite data, soil information, farmer behavior, and crop yield models. The company delivers a bundled offer that includes financing for inputs such as fertilizer and seed, crop insurance, and ongoing consulting to improve farming decisions. Originating in Kenya with operations anchored in Nairobi, Apollo aims to expand to emerging markets and help farmers boost yields and profitability through customized credit, inputs, and advice. The approach combines modern data analytics with practical agronomy to enable farmers to adopt advanced farming methods.

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 with debt by intelligently managing their financial obligations, including home mortgages, student loans, auto loans, and personal loans. The service allows users to set aside small amounts of money when financially feasible, which are then used to make loan payments on their behalf. By synchronizing micro-payments with users' income and lifestyle, EarnUp aims to streamline the debt repayment process and help individuals regain control over their finances, ultimately enabling them to pay off their debts more efficiently.

Propel, Inc. is a software development company based in Brooklyn, New York, established in 2014. The company focuses on creating mobile applications aimed at improving the financial health of low-income Americans. Its 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 track their finances, save on essential purchases, and earn cash through various incentives. Propel's mission is to empower individuals by providing tools that facilitate better budgeting and financial management.

Brick specializes in developing financial APIs for fintech products. It facilitates digital processing of end-users' financial data across various platforms like telcos, e-wallets, e-commerce, and super apps, catering to the unique needs of fintech companies.

Kaleidofin is a fintech company that delivers holistic financial solutions for underbanked individuals and households in India. It builds individual profiles from multiple data sources to tailor goal-based financial services that address income volatility and limited financial literacy. The platform helps users plan savings and investments through a data-driven model that estimates income, saving capacity, and monetary health, enabling personal wealth management. With a focus on intuitive design and analytics, Kaleidofin aims to expand access to customized financial guidance.

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.

Indifi Technologies is an Indian digital lending platform that connects small businesses with multiple lenders to secure debt financing. The platform employs automated data collection and analysis to assess creditworthiness, drawing insights from diverse data sources and industry context to identify low-risk, high-promise borrowers. By presenting loan options from a network of lenders, Indifi helps businesses obtain financing without collateral and supports lenders with lifecycle services such as marketing, CRM, loan monitoring, and payment management. The platform serves sectors including e-commerce, travel, hospitality, retail, and trading, supporting growth for small enterprises.

SWAP provides Banking-as-a-Service (BaaS) platform for SaaS companies and fintech startups. Its secure APIs enable clients to integrate financial services such as pre-paid cards, digital wallets, and expense management into their platforms, creating new revenue streams and enhancing user experiences.

M2P Fintech is a leading provider of a comprehensive API infrastructure designed to facilitate banking, payments, and lending services for businesses. The company offers a unified platform that supports various payment methods, including cards and digital wallets, while ensuring compliance with regulatory standards. M2P Fintech's technology enables seamless customer onboarding and compliance checks, thereby streamlining operations for financial institutions. By equipping sales teams with essential tools and information, M2P Fintech enhances the management of financial services, ultimately improving customer experiences in an increasingly digital economy.

Dinie is a pioneering fintech company specializing in embedded lending infrastructure tailored for B2B platforms in Brazil, particularly focusing on the underserved micro, small, and medium-sized enterprise (MSME) market. The company simplifies the process for digital platforms to offer instant revolving lines of credit and B2B payment solutions through straightforward API integration. By providing flexible financial services with pre-approved credit limits, Dinie empowers businesses to access the financial tools necessary for their growth and success. Its innovative approach positions Dinie at the forefront of the embedded lending model and open finance landscape in Brazil.

Founded in 2017, Aquaconnect is a tech-driven platform dedicated to improving aquaculture productivity. It connects fish and shrimp farmers with stakeholders across the value chain, providing intelligent technology solutions for farm advisory, financial access, and market linkage.

Lidya is a financial services platform focused on small and medium enterprises in Nigeria, enabling online account opening, funds management, credit building, and access to working capital. Founded in 2016 and based in Lagos, the company uses mobile-first technology and proprietary credit scoring to help SMEs open accounts quickly, manage receivables and cash flow, and secure affordable credit with higher limits as their credit profiles improve.

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.

Unit is a financial infrastructure platform that enables technology companies to integrate financial features into their products, including accounts, cards, payments, and lending. By streamlining the process of launching vertical banks, Unit manages compliance and banking relationships, allowing businesses to create unique banking experiences efficiently. This capability not only accelerates the development timeline for financial services but also enhances customer engagement and lifetime value by differentiating their offerings in a competitive market.

Credflow is a fintech company based in New Delhi, India, founded in 2019, that specializes in cash flow management solutions tailored for specific industries. The company provides a software-as-a-service (SaaS) platform designed to automate receivable collections and create customized credit solutions for small and medium-sized businesses. By leveraging technology, Credflow aims to streamline cash flow management, helping businesses reduce their working capital and enhance their financial health. The company's vision is to transform the credit flow within supply chains, enabling businesses to achieve significant growth across various sectors.

M2P Fintech is a leading provider of a comprehensive API infrastructure designed to facilitate banking, payments, and lending services for businesses. The company offers a unified platform that supports various payment methods, including cards and digital wallets, while ensuring compliance with regulatory standards. M2P Fintech's technology enables seamless customer onboarding and compliance checks, thereby streamlining operations for financial institutions. By equipping sales teams with essential tools and information, M2P Fintech enhances the management of financial services, ultimately improving customer experiences in an increasingly 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 with debt by intelligently managing their financial obligations, including home mortgages, student loans, auto loans, and personal loans. The service allows users to set aside small amounts of money when financially feasible, which are then used to make loan payments on their behalf. By synchronizing micro-payments with users' income and lifestyle, EarnUp aims to streamline the debt repayment process and help individuals regain control over their finances, ultimately enabling them to pay off their debts more efficiently.

SeedFi operates an online platform offering payroll loans to consumers, focusing on those living paycheck to paycheck. Founded in 2019 by fintech veterans, the company aims to provide lower-cost access to capital and improve financial health for vulnerable members of society.

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 is a Southeast Asia-based mobile platform that integrates ride-hailing, food and grocery delivery, and financial services, connecting drivers, merchants, and customers through a single app. It operates in Singapore, Indonesia, the Philippines, Malaysia, Thailand, Vietnam, and Myanmar, and holds a leading market share in ride-hailing and food delivery, with 89% of revenue derived from these core businesses. The company also offers payments, consumer loans, and enterprise financial services. It charges commissions to both riders and merchants as it links them with consumers. Founded in 2012 by Anthony Tan and Tan Hooi Ling, Grab is headquartered in Singapore and maintains offices in Seattle, Beijing, Bangalore, Jakarta, and Vietnam. In 2024, Singapore, Indonesia, and Malaysia together contributed more than 70% of revenue.

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.

Unit is a financial infrastructure platform that enables technology companies to integrate financial features into their products, including accounts, cards, payments, and lending. By streamlining the process of launching vertical banks, Unit manages compliance and banking relationships, allowing businesses to create unique banking experiences efficiently. This capability not only accelerates the development timeline for financial services but also enhances customer engagement and lifetime value by differentiating their offerings in a competitive market.

Heru is a company focused on enhancing the lives of gig-economy workers through technology-driven services and benefits tailored to their unique needs. Founded in 2019 by Mateo Jaramillo and Stiven Rodriguez Sanchez, and headquartered in Mexico City, the company offers a comprehensive financial technology platform that simplifies accounting processes for independent workers. Heru's services include electronic invoicing, tax management, tailored insurance policies, working capital solutions, and expert financial guidance. By providing tools for efficient tax obligation management and access to essential resources, Heru aims to improve the overall well-being and working conditions of freelancers and independent professionals.

Founded in Brazil in 2016, Neon is a leading fintech offering digital banking services. It provides debit and credit cards with no annual fees, personal loans, payroll loans, investments, cashback on debit transactions, and various payment methods. Neon also supports micro-entrepreneurs through MEI Fácil. With over 15 million customers and 1600 employees, Neon has seen significant revenue growth.

SWAP provides Banking-as-a-Service (BaaS) platform for SaaS companies and fintech startups. Its secure APIs enable clients to integrate financial services such as pre-paid cards, digital wallets, and expense management into their platforms, creating new revenue streams and enhancing user experiences.

Apollo Agriculture is an agtech company that provides smallholder farmers with access to high-quality inputs, credit, and advisory services. Using agronomic machine learning, remote sensing, and mobile technology, it assesses farmer credit risk and tailors each package to a farm’s location by integrating satellite data, soil information, farmer behavior, and crop yield models. The company delivers a bundled offer that includes financing for inputs such as fertilizer and seed, crop insurance, and ongoing consulting to improve farming decisions. Originating in Kenya with operations anchored in Nairobi, Apollo aims to expand to emerging markets and help farmers boost yields and profitability through customized credit, inputs, and advice. The approach combines modern data analytics with practical agronomy to enable farmers to adopt advanced farming methods.

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.

Kaleidofin is a fintech company that delivers holistic financial solutions for underbanked individuals and households in India. It builds individual profiles from multiple data sources to tailor goal-based financial services that address income volatility and limited financial literacy. The platform helps users plan savings and investments through a data-driven model that estimates income, saving capacity, and monetary health, enabling personal wealth management. With a focus on intuitive design and analytics, Kaleidofin aims to expand access to customized financial guidance.

Founded in Brazil in 2016, Neon is a leading fintech offering digital banking services. It provides debit and credit cards with no annual fees, personal loans, payroll loans, investments, cashback on debit transactions, and various payment methods. Neon also supports micro-entrepreneurs through MEI Fácil. With over 15 million customers and 1600 employees, Neon has seen significant revenue growth.

MyShubhLife is a comprehensive financial services provider focused on enhancing financial inclusion for the unserved and underserved segments of the population. The company leverages real-time analytics and alternative data to develop credit reports, which facilitate access to financial products for those who traditionally lack banking services. MyShubhLife offers a range of services, including personal loans of varying sizes, bill payments, insurance, mutual fund investments, and tax filing assistance. By employing an innovative credit scoring methodology, the platform identifies creditworthy customers, enabling them to secure loans at affordable rates. Additionally, MyShubhLife promotes financial wellness through its programs tailored for both individuals and corporations, thereby broadening its impact in the financial services landscape.

Alloy is a technology company specializing in identity verification solutions for financial institutions. It offers an API-driven platform that simplifies fraud detection and compliance processes such as KYC, AML, and fraud prevention.

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 is an Indian digital lending platform that connects small businesses with multiple lenders to secure debt financing. The platform employs automated data collection and analysis to assess creditworthiness, drawing insights from diverse data sources and industry context to identify low-risk, high-promise borrowers. By presenting loan options from a network of lenders, Indifi helps businesses obtain financing without collateral and supports lenders with lifecycle services such as marketing, CRM, loan monitoring, and payment management. The platform serves sectors including e-commerce, travel, hospitality, retail, and trading, supporting growth for small enterprises.

Brigit develops a financial platform offering tools for cash advances, credit building, and financial management. Its tools help individuals track bills and budgets, understand spending habits, and access credit with lower interest costs.

Clerkie is an AI-driven financial planning platform that provides financial knowledge, personalized answers, and actionable plans to help users manage their finances. It also automates loan servicing and supports credit score building through debt management, using conversational AI to build comprehensive financial knowledge graphs that enable the management of loan losses and integrate financial advice with one-click automation. These capabilities serve lenders, businesses, and individuals by helping optimize loan portfolios, improve repayment performance, and promote financial wellness.

Clerkie is an AI-driven financial planning platform that provides financial knowledge, personalized answers, and actionable plans to help users manage their finances. It also automates loan servicing and supports credit score building through debt management, using conversational AI to build comprehensive financial knowledge graphs that enable the management of loan losses and integrate financial advice with one-click automation. These capabilities serve lenders, businesses, and individuals by helping optimize loan portfolios, improve repayment performance, and promote financial wellness.

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 is a technology company specializing in identity verification solutions for financial institutions. It offers an API-driven platform that simplifies fraud detection and compliance processes such as KYC, AML, and fraud prevention.

Scribox operates an online investing platform focused on mutual funds in India. Founded in 2012 and headquartered in Bengaluru, the company enables investors to buy and sell various types of mutual funds, including equity, debt, and tax-saving options. Its platform is designed to provide users with financial advice and facilitate investment transactions, aiming to enhance users' returns on their investments. By offering a comprehensive digital wealth management solution, Scribox helps individuals navigate the complexities of mutual fund investments effectively.

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 software development company based in Brooklyn, New York, established in 2014. The company focuses on creating mobile applications aimed at improving the financial health of low-income Americans. Its 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 track their finances, save on essential purchases, and earn cash through various incentives. Propel's mission is to empower individuals by providing tools that facilitate better budgeting and financial management.

Tez Financial Services Limited is a digital non-banking microfinance company based in Karachi, Pakistan, founded in 2017. It offers a comprehensive smartphone application that provides financial services to the unbanked and under-banked population. The platform aggregates various financial products, including nano credit services through Tez Advance, insurance distribution via Tez Bima, and investment solutions through Tez Sarmaya. By utilizing algorithms and artificial intelligence, the application analyzes users' digital footprints, social behaviors, and consumption patterns to facilitate access to credit, savings, insurance, and investment options. This innovative approach aims to address the financial needs of individuals seeking short-term liquidity and security in health and life insurance.

Chime is a mobile banking and finance platform that automatically sets aside a predetermined amount into savings after transactions. It earns revenue from merchant transaction fees, aligning incentives and enabling users to avoid fees, save money, and lead healthier financial lives.

Lidya is a financial services platform focused on small and medium enterprises in Nigeria, enabling online account opening, funds management, credit building, and access to working capital. Founded in 2016 and based in Lagos, the company uses mobile-first technology and proprietary credit scoring to help SMEs open accounts quickly, manage receivables and cash flow, and secure affordable credit with higher limits as their credit profiles improve.

Founded in Brazil in 2016, Neon is a leading fintech offering digital banking services. It provides debit and credit cards with no annual fees, personal loans, payroll loans, investments, cashback on debit transactions, and various payment methods. Neon also supports micro-entrepreneurs through MEI Fácil. With over 15 million customers and 1600 employees, Neon has seen significant revenue growth.

Kaleidofin is a fintech company that delivers holistic financial solutions for underbanked individuals and households in India. It builds individual profiles from multiple data sources to tailor goal-based financial services that address income volatility and limited financial literacy. The platform helps users plan savings and investments through a data-driven model that estimates income, saving capacity, and monetary health, enabling personal wealth management. With a focus on intuitive design and analytics, Kaleidofin aims to expand access to customized financial guidance.

Tandem is a digital bank that aims to provide a better banking experience by leveraging technology and user feedback. It offers a range of financial services, including savings accounts, credit cards, and loans, all managed through a user-friendly mobile app. Tandem's approach is centered around simplicity, with a focus on helping users save money and reducing financial stress. It differentiates itself by actively engaging with its user community to inform product development and improvement.

Guiabolso is a Brazilian fintech company founded in 2014 by Thiago Alvarez and Benjamin Gleason, aimed at transforming the financial landscape through innovative technology and Open Banking solutions. With a user base of 6 million, Guiabolso offers an application that consolidates financial management, automates budgeting, and provides a curated marketplace for financial products. The platform enhances users' financial well-being by facilitating informed choices through unique segmenting and scoring capabilities. Additionally, Guiabolso stands out as the only company in Brazil with a fully operational end-to-end Open Banking solution tailored for B2B clients, offering advanced analytics and personal financial management features. By leveraging open data access, Guiabolso seeks to improve the financial lives of consumers and provide valuable insights to its corporate partners.

Lendable is a San Francisco-based company that provides debt financing to fintechs in emerging and frontier markets and offers risk analytics for lenders and originators of debt in developing markets. Its products include a database containing market repayment, demographic and contextual data to support model improvement and validation, and a risk engine that models individual credit risk as well as portfolio-level risk. The company also operates technology-driven lending platforms to connect institutional debt investors with high-growth fintech lenders in Africa and other frontier markets, helping lenders grow their loan books and fintechs secure financing. Founded in 2014, Lendable aims to unlock financing for hundreds of millions of borrowers and position impact investing as a competitive asset class.

Chime is a mobile banking and finance platform that automatically sets aside a predetermined amount into savings after transactions. It earns revenue from merchant transaction fees, aligning incentives and enabling users to avoid fees, save money, and lead healthier financial lives.

Propel, Inc. is a software development company based in Brooklyn, New York, established in 2014. The company focuses on creating mobile applications aimed at improving the financial health of low-income Americans. Its 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 track their finances, save on essential purchases, and earn cash through various incentives. Propel's mission is to empower individuals by providing tools that facilitate better budgeting and financial management.

Lidya is a financial services platform focused on small and medium enterprises in Nigeria, enabling online account opening, funds management, credit building, and access to working capital. Founded in 2016 and based in Lagos, the company uses mobile-first technology and proprietary credit scoring to help SMEs open accounts quickly, manage receivables and cash flow, and secure affordable credit with higher limits as their credit profiles improve.

Tez Financial Services Limited is a digital non-banking microfinance company based in Karachi, Pakistan, founded in 2017. It offers a comprehensive smartphone application that provides financial services to the unbanked and under-banked population. The platform aggregates various financial products, including nano credit services through Tez Advance, insurance distribution via Tez Bima, and investment solutions through Tez Sarmaya. By utilizing algorithms and artificial intelligence, the application analyzes users' digital footprints, social behaviors, and consumption patterns to facilitate access to credit, savings, insurance, and investment options. This innovative approach aims to address the financial needs of individuals seeking short-term liquidity and security in health and life insurance.

eCurrency Mint Limited specializes in technology that facilitates the issuance of digital fiat currency for central banks, known as eCurrency. The company offers a proof of concept service aimed at helping these institutions distribute and oversee Central Bank Digital Currencies (CBDCs). Its technology integrates advanced hardware, software, and cryptographic security measures, ensuring that the digital currencies provided to consumers and businesses function as true bearer instruments. This means that eCurrency holds the same legal tender status as traditional banknotes and coins, thereby enhancing the digital currency ecosystem while maintaining regulatory compliance and security.

Indifi Technologies is an Indian digital lending platform that connects small businesses with multiple lenders to secure debt financing. The platform employs automated data collection and analysis to assess creditworthiness, drawing insights from diverse data sources and industry context to identify low-risk, high-promise borrowers. By presenting loan options from a network of lenders, Indifi helps businesses obtain financing without collateral and supports lenders with lifecycle services such as marketing, CRM, loan monitoring, and payment management. The platform serves sectors including e-commerce, travel, hospitality, retail, and trading, supporting growth for small enterprises.

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.

Founded in 2009, Zoona is a mobile technology company that provides safe and reliable financial services to underserved communities across Africa. It offers products such as money transfers, electronic voucher payments, and agent payments through its interoperable distribution network. With operations in Zambia, Malawi, Mozambique, and support offices in South Africa, Zoona has processed over $2 billion in transactions since inception.

Scribox operates an online investing platform focused on mutual funds in India. Founded in 2012 and headquartered in Bengaluru, the company enables investors to buy and sell various types of mutual funds, including equity, debt, and tax-saving options. Its platform is designed to provide users with financial advice and facilitate investment transactions, aiming to enhance users' returns on their investments. By offering a comprehensive digital wealth management solution, Scribox helps individuals navigate the complexities of mutual fund investments effectively.

Tandem is a digital bank that aims to provide a better banking experience by leveraging technology and user feedback. It offers a range of financial services, including savings accounts, credit cards, and loans, all managed through a user-friendly mobile app. Tandem's approach is centered around simplicity, with a focus on helping users save money and reducing financial stress. It differentiates itself by actively engaging with its user community to inform product development and improvement.

Guiabolso is a Brazilian fintech company founded in 2014 by Thiago Alvarez and Benjamin Gleason, aimed at transforming the financial landscape through innovative technology and Open Banking solutions. With a user base of 6 million, Guiabolso offers an application that consolidates financial management, automates budgeting, and provides a curated marketplace for financial products. The platform enhances users' financial well-being by facilitating informed choices through unique segmenting and scoring capabilities. Additionally, Guiabolso stands out as the only company in Brazil with a fully operational end-to-end Open Banking solution tailored for B2B clients, offering advanced analytics and personal financial management features. By leveraging open data access, Guiabolso seeks to improve the financial lives of consumers and provide valuable insights to its corporate partners.

eCurrency Mint Limited specializes in technology that facilitates the issuance of digital fiat currency for central banks, known as eCurrency. The company offers a proof of concept service aimed at helping these institutions distribute and oversee Central Bank Digital Currencies (CBDCs). Its technology integrates advanced hardware, software, and cryptographic security measures, ensuring that the digital currencies provided to consumers and businesses function as true bearer instruments. This means that eCurrency holds the same legal tender status as traditional banknotes and coins, thereby enhancing the digital currency ecosystem while maintaining regulatory compliance and security.

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 an online investing platform focused on mutual funds in India. Founded in 2012 and headquartered in Bengaluru, the company enables investors to buy and sell various types of mutual funds, including equity, debt, and tax-saving options. Its platform is designed to provide users with financial advice and facilitate investment transactions, aiming to enhance users' returns on their investments. By offering a comprehensive digital wealth management solution, Scribox helps individuals navigate the complexities of mutual fund investments effectively.

Founded in 2009, Zoona is a mobile technology company that provides safe and reliable financial services to underserved communities across Africa. It offers products such as money transfers, electronic voucher payments, and agent payments through its interoperable distribution network. With operations in Zambia, Malawi, Mozambique, and support offices in South Africa, Zoona has processed over $2 billion in transactions since inception.