Hard Yaka

Founded in 2018, TomoCredit is a fintech company based in San Francisco. It offers an AI-powered platform designed for millennials and small business owners to build credit history and qualify for loans using alternative data sources. The company provides a smart credit card and a mobile application for account management.

Upgrade operates an online lending platform offering personal loans, the Upgrade Card, credit health monitoring, and educational tools. It serves both mainstream consumers and those underserved by traditional banking, aiming to provide affordable and responsible credit access.

Mines.io, Inc. is a financial analytics company that operates a platform focused on mobile data. Its flagship product, Mteka, is an in-memory analytics solution capable of processing vast amounts of mobile carrier data rapidly, allowing for the creation and deployment of predictive models in real time. The company's services are designed to assist mobile operators in monetizing their data while enabling financial institutions to expand their customer reach. Among its offerings are a credit scoring service that evaluates consumer credit risk based on mobile behavior, a fraud detection system that identifies suspicious activities in real time, and behavior modeling tools that enhance customer identity verification. Additionally, the company employs risk analysis and machine learning techniques to help insurance providers tailor premiums based on consumer risk profiles. Founded in 2013 and based in San Francisco, Mines.io aims to leverage mobile data to improve financial services and consumer access to credit.