Goodwater Capital

Blossom is a startup that is developing social broking. Blossom is supported by verifiable stock holdings and performance, allowing you to focus on the ideas that are worth listening to.

Cambio Money is a financial services platform designed to simplify access to financial solutions for individuals and businesses. The company focuses on helping users save, grow, and manage their finances effectively. It offers a range of services, including online payments, transfers, currency exchange, and budgeting tools, all aimed at enhancing financial management. Additionally, Cambio incorporates AI-powered credit improvement technology to assist users in credit recovery, making it easier for them to plan, negotiate, and resolve issues related to high credit utilization. The platform prioritizes security to ensure the protection of users' financial information.

iMotorbike is the leading online e-commerce platform for motorbikes in Southeast Asia, offering a diverse range of products including motorcycles, parts, and accessories. The marketplace aims to revolutionize motorcycle sales by providing an extensive selection of brands and models, along with a user-friendly search engine to help customers find motorcycles based on specific criteria such as make, model, and location. In addition to facilitating the purchase of motorbikes, iMotorbike enhances the user experience by offering services like insurance and financing, creating a comprehensive ecosystem for motorbike enthusiasts, owners, and professionals. The platform is dedicated to delivering a fast, secure, and straightforward online experience, distinguishing itself in the competitive market.

Treepz is a transportation technology company that aims to improve commuting in Africa. Founded in 2019 and headquartered in Ontario, Canada, it operates in Nigeria, Ghana, Uganda, and Kenya. The company offers a transport-hailing application that provides users with access to various modes of transport, including vehicles, buses, and licensed drivers. This app enables users to book reliable and comfortable trips for daily, inter-city, or corporate commutes with ease. Additionally, Treepz incorporates features such as vehicle assistants and e-wallet payments, allowing for fast and convenient real-time transactions. By leveraging technology, Treepz seeks to create a safer and more efficient transportation system for its users across the continent.

Gullak.Money aims to create an all-inclusive ecosystem of saving which is accessible to all.

Baselane is a financial platform designed to assist individual real estate investors and landlords in managing their property finances. Targeting over 12 million investors in the United States, Baselane provides tools that integrate clients' bank accounts with features such as expense management, rent collection, bookkeeping, and performance analytics. The platform aims to enhance financial visibility and control, enabling landlords to make informed decisions that can improve their investment portfolios. By offering tailored financial services and automated tools, Baselane seeks to help landlords save time and increase their returns on investment.

Wallbit is a neobank for global remote workers, it offers them bank accounts in the US, a debit card, and an investment account to invest in bonds or stocks on the US stock market.

With InvestEd Philippines, students are able to access sustainable student loans through employers, impact funds, and foundation investments. The firm helps investors to maximize their impact in education and achieve social and financial returns sustainably and also manages specialized education loan funds on behalf of corporate foundations and employers.

Earnr is a finance and tax service aimed at the U.K. creator economy and people doing “side-hustle” businesses. The company was founded in 2020 by Anil Nair, Enzo Ottens, and Jamie Leverton.

It is to provide the Mortgage of the Future, a better mortgage loan through an exceptional service that fits your needs. They provide an alternative to the complicated and traditional procedures of the past, modernizing the experience of their users through an agile and avant-garde service with personal advice and fair rates.

ClubFolio is an investment app that allows to buy stocks and mutual funds and share them with their friends. The company was founded in 2019 and is based in Bengaluru, India.

Patika focused on helping African microenterprises come online and enjoy the benefits of the digital age.

Fleek is a subscription tracking and management platform designed to simplify the process of managing various subscription services. It provides users with comprehensive control over their subscriptions, allowing them to easily track recurring payments, scheduled transactions, and payment methods. Additionally, Fleek helps users identify and eliminate unwanted subscriptions, thereby enhancing their overall financial management experience. The platform aims to reduce the complexities associated with subscription management, making it more accessible and user-friendly.

Hostfi is an online private banking service. Founded in 2022 and is based in New York, NY.

Roforco operates a Roblox game accelerator designed to enhance the success of games through funding, resources, and hands-on support. Founded by YCombinator alumni Artem and Brain, the company has a strong background in game development, having collaborated on numerous top-grossing titles that collectively achieved over 2.74 billion plays and downloads. Previously functioning as a game studio, Roforco's portfolio reached significant milestones, including 10 million monthly active users and 16,000 concurrent users. The company has partnered with notable brands, such as Unilever, creating branded games that garnered over 50 million plays. In 2022, Roforco gained recognition by joining YCombinator's startup accelerator, subsequently securing $1.5 million in seed funding from prominent investors, including industry leaders from Activision and other tech firms. Based in San Francisco, Roforco aims to connect game creators with influencers and provide data-driven support to enhance player engagement, retention, and revenue.

CapixAI is a dealmaking AI copilot for private capital that helps investors close deals faster and invest with ultimate precision.

Landeed is a proptech startup that develops a property title search engine for Indian real estate. The startup provides a simple and secure method of obtaining your Encumbrance Certificate. The Encumbrance Certificate is used to demonstrate that the property has a clear and marketable title and is free of any economic or legal liabilities. They also offer the quickest way to extract the Records of Rights (RoR), an important document kept by the state Revenue Department. Landeed's app provides instant access to the extent, ownership, and classification of land. Landeed was founded in 2022 and is based in Benglauru, India.

VUI provides Flexible Payroll (EWA) solutions, income statistics, and employee financial management education through a technology platform.

Achievable specializes in digital test preparation courses designed to help individuals prepare for professional exams, particularly the FINRA Series 7. Recognizing the challenges of balancing study time with work and personal commitments, Achievable offers a personalized and convenient approach to learning. Their platform incorporates memory science technology to enhance retention and understanding, providing users with the tools needed to achieve their target scores. The courses feature supplementary videos integrated into the textbook material, reinforcing key concepts and offering visual explanations of complex topics. With a focus on improving the test preparation experience through innovative technology and customer support, Achievable aims to expand its offerings to cover additional exams in the future.

Patika focused on helping African microenterprises come online and enjoy the benefits of the digital age.

Bloom is a financial technology company that operates a digital banking platform aimed at providing regulated banking services to consumers. Its application allows users to open bank accounts online, access fee-free bank accounts in both Sudanese and US dollars, and obtain free USD Mastercards. The platform facilitates free transfers within Sudan and offers complimentary international remittance services from various countries. By focusing on innovative and inclusive financial products, Bloom seeks to enhance the financial well-being of its customers.

TANGapp is a community network of local businesses, non-profits, and united in their desire to help everywhere. It is a mobile transaction and payment app that operates on an international peer-to-peer basis. It uses to send and receive money.

Bloom is a financial technology company that operates a digital banking platform aimed at providing regulated banking services to consumers. Its application allows users to open bank accounts online, access fee-free bank accounts in both Sudanese and US dollars, and obtain free USD Mastercards. The platform facilitates free transfers within Sudan and offers complimentary international remittance services from various countries. By focusing on innovative and inclusive financial products, Bloom seeks to enhance the financial well-being of its customers.

FunctionUp is an EdTech company based in Bangalore, India, founded by IIT and ISB alumni with extensive experience in the industry. Backed by Y-Combinator, FunctionUp addresses global talent shortages by upskilling graduates and professionals in essential skills demanded by the job market. The company offers an innovative placement boot camp that includes online live classes, educational resources, and training sessions, allowing students to prepare for high-paying software development positions. With over 800 hiring partners and a proven track record of successfully transforming the careers of more than 1,000 learners, FunctionUp is committed to delivering positive outcomes for its participants. The unique payment model allows students to defer tuition fees until they secure employment, making quality education more accessible.

Fringe operates a funding platform that facilitates partnerships between fans and artists, allowing them to invest together. By providing direct access to fans, the platform offers artists alternatives to traditional label deals. It enables fans to invest in their favorite artists through revenue shares based on the artists' streaming revenues. In addition to fundraising, Fringe emphasizes community-building, creating a collaborative environment where fans can actively support and engage with the artists they admire. This model not only empowers artists but also allows fans to have a stake in their success.

Cambio Money is a financial services platform designed to simplify access to financial solutions for individuals and businesses. The company focuses on helping users save, grow, and manage their finances effectively. It offers a range of services, including online payments, transfers, currency exchange, and budgeting tools, all aimed at enhancing financial management. Additionally, Cambio incorporates AI-powered credit improvement technology to assist users in credit recovery, making it easier for them to plan, negotiate, and resolve issues related to high credit utilization. The platform prioritizes security to ensure the protection of users' financial information.

Finku is a financial application based in Jakarta, Indonesia, established in 2021. It offers a personal finance platform aimed at helping Indonesian consumers manage their finances more effectively. The platform provides various tools, including an automatic financial logger, financial insights, and personalized monthly budgets, along with reminders for recurring bills. Finku's mission is to eliminate financial illiteracy in Indonesia, enabling users to better navigate the financial ecosystem and make informed financial decisions. By consolidating financial management into a single platform, Finku aims to empower individuals to achieve their financial goals.

Whiz offers a financial planner for teens. It provides news, research articles, and training programs for teens. Its features include connecting children and parent accounts, teaching saving plans, and managing pocket money for children.

Leland is a coaching marketplace designed to support individuals in achieving their educational and career aspirations. The platform connects users with coaches who provide guidance on standardized tests such as the SAT, ACT, GMAT, and GRE, as well as offering mentorship for entering fields like private equity, product management, and investment banking. Leland focuses on facilitating career transitions and helps users develop the necessary skills for their chosen professions through personalized coaching. The platform allows clients to find coaches that align with their budget and specific goals, charging transaction fees based on the payments made to coaches.

Nestlings is an academic network that focuses on connecting international students with accredited universities in the United States, Canada, and the United Kingdom. Established in 2018 and headquartered in Cupertino, California, Nestlings offers a comprehensive platform that simplifies the processes of application, enrollment, financial aid, and career placement for students. The platform provides access to a database of North American universities and facilitates a student community where users can showcase their academic interests and achievements. Additionally, Nestlings connects students with third-party services, including student lending, textbook rental, insurance, transportation, and housing, all aimed at supporting their aspirations of studying abroad.

Onyx Private is a modern private banking platform tailored for affluent young professionals, investors, and entrepreneurs. It provides a premium digital banking experience complemented by a concierge service that caters to various personal finance, wealth, and lifestyle needs. The platform features a personalized robo-advisor for tax-loss harvesting, fixed-income money market accounts, Treasury Bills, and alternative investments such as private equity, venture capital, and hedge fund strategies. By offering low fees and minimums, Onyx Private enables users to set customized financial goals and manage their finances more effectively, making private banking more accessible to a new generation.

Beem is an instant cash application designed to assist working-class Americans in accessing immediate funds without incurring interest. It addresses the financial challenges faced by individuals earning below the 80th income percentile, many of whom experience a timing mismatch between when they receive income and when they need to pay for everyday expenses. This issue is particularly acute for those without credit cards or surplus income, as essential services can cost over $1,400 monthly. By leveraging artificial intelligence, Beem aims to bridge this financial gap and significantly reduce costs for crucial services by up to 90%. The app is inclusive, serving a diverse range of users, including immigrants, gig workers, and seasonal earners. Furthermore, Beem seeks to integrate a substantial portion of the informal economy into the formal economy, promoting economic benefits for both individuals and the broader nation. Currently operational in the U.S., Beem plans to expand its services globally, with India as the next target market, where a significant amount of wealth remains in the informal sector.

Waffle Labs, Inc. is a New York-based company that specializes in developing financial services software to assist customers in managing their investments. Founded in 2018, Waffle Labs also operates an insurance platform that provides customizable insurance plans for various products, including renters insurance, pet insurance, personal cyber insurance, and term life insurance. Through its innovative offerings, the company aims to meet diverse financial and insurance needs for its clients.

Jerry offers an innovative app designed to enhance the management of car ownership for drivers in the U.S. With a user-friendly platform, it simplifies the often complex processes of comparing and purchasing car insurance, refinancing car loans, and accessing information on maintenance and repair costs. The app serves over 5 million customers, helping them secure favorable insurance rates and providing tools to track driving behavior for safety. Jerry's focus on transparency and convenience aims to ease the burdens associated with vehicle ownership, making it a valuable resource for drivers looking to optimize their automotive expenses and maintain their vehicles more effectively.

Stablegains is an online financial platform that enables individuals and businesses to earn high interest on their cash through decentralized finance (DeFi). By leveraging DeFi lending markets, Stablegains provides a straightforward personal savings tool that allows users to access digital lending opportunities and generate passive income. This approach eliminates the need for traditional financial institutions, which often involve complex and costly processes. The platform aims to make the safest and most effective DeFi earning methods accessible to consumers, helping them optimize their capital and achieve their financial objectives efficiently.

Pinhome is a technology-driven platform focused on enhancing property transactions and home financing accessibility. It aims to simplify the buying, selling, and renting processes by providing a comprehensive solution that organizes property data and information. The platform facilitates efficient property transactions and offers a range of services, including home and personal maintenance, ensuring that clients can seamlessly navigate their real estate needs. By digitizing property transactions and streamlining home financing, Pinhome addresses the challenges often associated with real estate, making it easier for customers to find and manage their homes.

AMORA, through a technological approach to property evaluation, creates a new way for Brazilians to acquire their dream home with the lowest downpayment available, providing an opportunity for customers to build equity at the same time as they live in their desired property.

Koshex is a wealth management service founded in 2020 and headquartered in Bengaluru, Karnataka. The company focuses on automating wealth creation for 400 million Indian millennials by offering data-driven insights into personal finance. Its platform enables users to track real-time money movement and facilitates automated investing in various assets, including mutual funds, digital gold, and sectors such as technology, clean energy, automobiles, and US equities. By providing tools to evaluate potential investment outcomes, Koshex empowers customers to make informed financial decisions tailored to their individual goals.

GoJom is a Web / Mobile platform that boosts the real estate sector in Latin America by creating a One stop Shop for real estate information and solutions. Through partnerships le directly, GoJom offers IBuy, financial services and digital Brokerage, among other services.

Treinta is a digital ledger application tailored for microbusinesses in Latin America, where a significant majority still rely on traditional pen-and-paper methods for record-keeping. The app enables users to efficiently track sales, expenses, debts, and inventory while providing real-time insights into key business metrics like cash flow and profitability. By digitizing financial processes, Treinta helps business owners save up to 30 minutes daily on bookkeeping tasks and enhances overall operational efficiency by over 30%. This innovative tool supports the estimated 50 million microbusinesses in the region by facilitating informed decision-making and streamlining financial management.

Streak operates as a rewarding digital bank for teenagers.

Pluto is the modern investment app for the 100m Europeans living in countries without the EUR.

Stock Unlock is a tool for financial education and trade analysis. Founded in 2021 and is based in New York, NY.

Stairs helps young Americans buy their first home. Our home search identifies homes based on their finances, and connects them to government grants, loans and tax breaks.

Soon is a fully automated cryptocurrency investing platform to help users build wealth without the stress of speculating. It puts their hard-earned money to work. Soon achieves this by investing a portion of each deposit and then spending the investment gains when they spend with Soon. Consumers receive an automated wealth engine that eliminates the need to time the market and requires no prior investing experience. The platform increases probability by investing in and tracking hundreds of cryptocurrency positions each month, which are taken daily, at different prices, and across various assets.

InstaMed Communications, LLC, founded in 2004 and headquartered in Philadelphia, Pennsylvania, operates a healthcare payments network that connects providers, payers, and consumers through a unified cloud-based platform. The company offers several products, including InstaMed Online for Providers and InstaMed Online for Payers, both of which facilitate secure management of healthcare payment transactions with role-based security. Additionally, InstaMed Connect integrates healthcare payments into existing IT applications via APIs. By streamlining electronic transactions and consolidating payment processes, InstaMed aims to reduce the risks and complexities associated with multiple payment vendors, ultimately enhancing consumer satisfaction and enabling providers to collect payments more efficiently. As of 2019, InstaMed operates as a subsidiary of JPMorgan Chase Bank, National Association.

Genie AI uses dashboards and APIs that supports portfolio managers across the entire investment lifecycle.

Numida Technologies is a digital financial institution based in Kampala, Uganda, focused on serving micro, small, and medium enterprises in East Africa. Founded in 2015, Numida provides an application software that enables small businesses to maintain accurate digital financial records, allowing them to monitor their performance effectively. The company specializes in offering unsecured growth and working capital loans, leveraging a proprietary credit scoring system to assess borrowers' creditworthiness. By improving access to financing, Numida aims to foster a thriving small business sector that can create secure employment, enhance tax revenues for local governments, and uplift the living standards of entrepreneurs and their communities. Its platform not only helps businesses make informed financial decisions but also assists lending institutions in reducing risk and costs, ultimately leading to better lending terms for borrowers.

PropReturns is an online platform founded in 2020 and based in Mumbai, Maharashtra, India, that facilitates real estate investment. It offers a marketplace where users can explore and invest in carefully selected real estate opportunities, including pre-leased commercial properties and distressed residential assets. The platform provides detailed analyses and comprehensive financial data, allowing investors to make informed decisions and build wealth through passive income. By focusing on hand-picked investments, PropReturns aims to simplify the investment process in the real estate sector.

Achievable specializes in digital test preparation courses designed to help individuals prepare for professional exams, particularly the FINRA Series 7. Recognizing the challenges of balancing study time with work and personal commitments, Achievable offers a personalized and convenient approach to learning. Their platform incorporates memory science technology to enhance retention and understanding, providing users with the tools needed to achieve their target scores. The courses feature supplementary videos integrated into the textbook material, reinforcing key concepts and offering visual explanations of complex topics. With a focus on improving the test preparation experience through innovative technology and customer support, Achievable aims to expand its offerings to cover additional exams in the future.

Treepz is a transportation technology company that aims to improve commuting in Africa. Founded in 2019 and headquartered in Ontario, Canada, it operates in Nigeria, Ghana, Uganda, and Kenya. The company offers a transport-hailing application that provides users with access to various modes of transport, including vehicles, buses, and licensed drivers. This app enables users to book reliable and comfortable trips for daily, inter-city, or corporate commutes with ease. Additionally, Treepz incorporates features such as vehicle assistants and e-wallet payments, allowing for fast and convenient real-time transactions. By leveraging technology, Treepz seeks to create a safer and more efficient transportation system for its users across the continent.

Breakthru is a digital marketing platform that connects companies with youth through an innovative earning system. It allows students to earn money while learning about various companies and skills. Users can withdraw their earnings through a digital wallet in partnership with services like PayPal, Coinbase, Uber, Amazon, and Dunkin. The platform employs gamification and incentives to engage users, providing them with financial tools and resources to support their academic and professional development. By fostering meaningful relationships between organizations and young individuals, Breakthru aims to empower the next generation while helping brands connect with their target audience.

Homebase provides revolutionary products made accessible that empower homeowners to buy, sell, and own homes in ways that work best for themselves. Their vision is to actualize each and every individual's dream of homeownership in southeast Asia. Homebase is backed by leading investors and partners around the world. Their investors and partners include but are not limited to, large global financial institutions, leading venture capital and private equity funds, and successful entrepreneurs and angel investors.

Homebase provides revolutionary products made accessible that empower homeowners to buy, sell, and own homes in ways that work best for themselves. Their vision is to actualize each and every individual's dream of homeownership in southeast Asia. Homebase is backed by leading investors and partners around the world. Their investors and partners include but are not limited to, large global financial institutions, leading venture capital and private equity funds, and successful entrepreneurs and angel investors.

Stori is a digital financial platform that aims to enhance financial inclusion for middle- and emerging middle-class customers. By leveraging advanced technology and artificial intelligence, Stori provides access to digital credit cards and a range of other financial products, including credit, deposit, investment, and payment services, all through a unified mobile application. The platform is designed to simplify and secure financial management, empowering users to borrow, save, and invest in one convenient location. Stori's mission is to serve underserved customers and promote greater accessibility to essential financial services.

Udhaar App is an online ledger that helps manage credit (Udhaar) with customers and suppliers.

Fingo Africa is a fintech startup that offers digital banking services primarily designed for the youth. The company provides a range of services, including current accounts, money transfers, bill payments, and link-based payments. Fingo's platform enables users to conveniently transfer money to friends, family, or businesses and includes features such as saving goals and real-time transactions. Through its innovative approach, Fingo aims to simplify the financial experience for younger users, making banking more accessible and user-friendly.

FrontPage is an online financial platform that aims to make stock investing more accessible. It serves as a space for investors to share and discuss ideas related to various markets while connecting with other traders. The platform functions as an expert advising system, allowing users to engage with market experts for tips and advice on trades. By facilitating discussions among investors, FrontPage encourages learning from one another and exploring new investment opportunities.

Flexi Salary is a financial services company based in Gurugram, Haryana, that offers employees early access to their earned income. The company has developed a salary wallet that allows employees to draw their pay at any time, with the salary being credited each morning. This amount is subsequently deducted from the employee's next paycheck, facilitating immediate access to funds. By providing this service, Flexi Salary aims to enhance employee satisfaction and reduce attrition rates without altering the employer's existing costs, cash flows, or payroll processes.

Fingo Africa is a fintech startup that offers digital banking services primarily designed for the youth. The company provides a range of services, including current accounts, money transfers, bill payments, and link-based payments. Fingo's platform enables users to conveniently transfer money to friends, family, or businesses and includes features such as saving goals and real-time transactions. Through its innovative approach, Fingo aims to simplify the financial experience for younger users, making banking more accessible and user-friendly.

Financial Choice allows consumers to invest their checking account funds for market returns while retaining instant cash access. Financial Choice provides instant access to cash, automated investing, tax efficiency, and portfolio rebalancing.

Koshex is a wealth management service founded in 2020 and headquartered in Bengaluru, Karnataka. The company focuses on automating wealth creation for 400 million Indian millennials by offering data-driven insights into personal finance. Its platform enables users to track real-time money movement and facilitates automated investing in various assets, including mutual funds, digital gold, and sectors such as technology, clean energy, automobiles, and US equities. By providing tools to evaluate potential investment outcomes, Koshex empowers customers to make informed financial decisions tailored to their individual goals.

We help companies improve employee satisfaction, reduce turnover and increase productivity by offering their employees benefits that reduce financial stress. With Monto, users have 24/7 access to their earned wages for a low fixed fee giving them the financial freedom they need to avoid thousands in interest, hidden and overdraft fees.

Pideaky is a payment and collection platform focused on enhancing cash flow for small and medium-sized businesses (SMBs). It combines embedded finance solutions with artificial intelligence to streamline the onboarding and underwriting processes, achieving speeds six times faster than traditional methods. The platform also facilitates quicker payment collections, improving efficiency by three times compared to human operators. Additionally, Pideaky offers a point-of-sale solution that digitizes business operations, allowing for better organization and tracking of sales and inventory. By updating catalogs and enabling online payment operations, Pideaky helps businesses increase their revenue through digital transformation.

LemFi is a digital banking platform tailored for immigrants and individuals with international connections. It offers users accounts in their country of residence and origin, facilitating both personal and business banking needs. The platform enables international payments and money transfers to over 20 countries, providing a cost-effective solution with zero transfer fees and multi-currency support. By allowing users to send and receive money without the need for a traditional bank account, LemFi simplifies the money transfer process and helps users avoid high fees typically associated with international transactions.

Bimaplan is an insurance technology platform focused on increasing insurance adoption among low- and middle-income populations. The company collaborates with insurers to develop accessible, low-premium insurance products tailored to meet the specific needs of these underserved communities. By partnering with financial services firms, technology startups, e-commerce platforms, and other businesses, Bimaplan facilitates the seamless distribution of relevant insurance offerings. This approach enables insurance companies to effectively reach and serve a demographic that is often overlooked by traditional insurance providers. Through its innovative platform, Bimaplan aims to enhance financial inclusion and expand the market for insurance products among those who need them most.

Jerry offers an innovative app designed to enhance the management of car ownership for drivers in the U.S. With a user-friendly platform, it simplifies the often complex processes of comparing and purchasing car insurance, refinancing car loans, and accessing information on maintenance and repair costs. The app serves over 5 million customers, helping them secure favorable insurance rates and providing tools to track driving behavior for safety. Jerry's focus on transparency and convenience aims to ease the burdens associated with vehicle ownership, making it a valuable resource for drivers looking to optimize their automotive expenses and maintain their vehicles more effectively.

Quota Lab is a financial infrastructure company that connects the capital flows of all ventures & startups, general partners (GPs), and limited partners (LPs) to build a venture capital market infrastructure and create a new financial ecosystem.

NextChapter is a digital commerce platform that acquires and operates Coupang and Naver-based online native brands in Korea. NextChapter is backed by BlueRun Ventures/BRV Capital Management, Goodwater Capital, Klim Ventures, Fast Ventures and Sandbox Network. NextChapter was founded in 2021 by Joshua Kwon and Jay Chung and is headquartered in Seoul, Korea.

Wagetap is a platform that provides employees with on-demand access to their salaries, allowing them to withdraw part of their pay before the traditional payday. By integrating with a company's payroll system, Wagetap adjusts payslips accordingly for any withdrawals made. This service enables employees to track their earnings and manage unexpected expenses, fostering financial flexibility. Wagetap serves as a valuable tool for businesses looking to recruit, retain, and engage their workforce effectively.

FunctionUp is an EdTech company based in Bangalore, India, founded by IIT and ISB alumni with extensive experience in the industry. Backed by Y-Combinator, FunctionUp addresses global talent shortages by upskilling graduates and professionals in essential skills demanded by the job market. The company offers an innovative placement boot camp that includes online live classes, educational resources, and training sessions, allowing students to prepare for high-paying software development positions. With over 800 hiring partners and a proven track record of successfully transforming the careers of more than 1,000 learners, FunctionUp is committed to delivering positive outcomes for its participants. The unique payment model allows students to defer tuition fees until they secure employment, making quality education more accessible.

Bueno Finance is a fintech platform dedicated to providing financial services tailored specifically for blue-collar workers. The company offers short-term credit options that help these individuals create a credit history and access loans at lower interest rates. Customers can apply for instant cash loans and obtain larger loans with subsidized processing fees, making it easier for them to utilize mainstream financial services. Additionally, Bueno Finance provides a UPI handle linked to an approved credit line, which can be used for online purchases at various merchants. The app also facilitates offline transactions through QR code scanning, enhancing accessibility for users in everyday financial activities. To support its growth, the company plans to expand its product offerings and strengthen its team across various functional areas.

InstaKin is a financial platform designed to assist immigrants in managing projects and tasks in their home countries. The company connects users with local vendors and facilitates secure payments, allowing migrants to send money home efficiently. Its services are tailored to meet the financial needs of families abroad, ensuring that transactions are cashless, instant, and fully digitized. This platform empowers immigrants to support their loved ones while maintaining control over their financial activities.

VUI provides Flexible Payroll (EWA) solutions, income statistics, and employee financial management education through a technology platform.

Z1 is a digital banking application tailored for teenagers and young adults, focusing on fostering financial independence among its users. Founded in 2020 by a team with experience in education and fintech, including João Pedro Thompson, Thiago Achatz, Sophie Secaf, and Mateus Craveiro, the platform provides financial education alongside gamified features and digital banking services. The application enables users to manage their finances responsibly, offering transparency with no hidden fees. Z1 has attracted significant investment from notable backers, including Maya Capital and prominent founders, and has recently secured support from the American accelerator Y Combinator, which has a reputation for nurturing successful startups.

Homebase provides revolutionary products made accessible that empower homeowners to buy, sell, and own homes in ways that work best for themselves. Their vision is to actualize each and every individual's dream of homeownership in southeast Asia. Homebase is backed by leading investors and partners around the world. Their investors and partners include but are not limited to, large global financial institutions, leading venture capital and private equity funds, and successful entrepreneurs and angel investors.

Z1 is a digital banking application tailored for teenagers and young adults, focusing on fostering financial independence among its users. Founded in 2020 by a team with experience in education and fintech, including João Pedro Thompson, Thiago Achatz, Sophie Secaf, and Mateus Craveiro, the platform provides financial education alongside gamified features and digital banking services. The application enables users to manage their finances responsibly, offering transparency with no hidden fees. Z1 has attracted significant investment from notable backers, including Maya Capital and prominent founders, and has recently secured support from the American accelerator Y Combinator, which has a reputation for nurturing successful startups.

Momo is a FinTech startup that provides a mobile electronic wallet and payment application for iOS and Android devices, aimed at enhancing payment services for users in Vietnam. The platform facilitates nationwide cash transfers, bill payments across more than 100 categories, mobile phone account recharges, and the settling of personal loans. Additionally, Momo enables users to purchase various services, including software licenses, online game cards, airline tickets, and movie tickets. The company has established partnerships with 24 domestic banks and international payment networks, such as JCB, MasterCard, and Visa, ensuring secure and efficient financial transactions for its customers.

RiseFi is a financial technology company focused on creating a financially inclusive pathway for individuals to build and improve their credit scores. The company's primary offering is a financial application that facilitates cashless transactions while allowing users to manage their finances effectively. This application includes a debit card that can be used to pay off monthly bills, fees, or debts, thereby enhancing users' credit profiles. Additionally, RiseFi's platform provides features such as fraud protection, which ensures the security of transactions. By helping users manage their debts and loans, RiseFi aims to enable them to qualify for low-interest loans, ultimately promoting better financial health and credit accessibility.

Sweatcoin is a digital currency backed by physical movement. They verify and convert movement into currency. Users can then donate it to charity, transfer to other users or spend on products, services, and experiences provided by Sweatcoin vendors and user community. Sweatcoin tackles Present Bias by moving the future benefits of exercise into the here and now- immediately converting movement into a digital currency and changing the perception of physical movement.