Hard Yaka

Omnumi is a blockchain-based platform that specializes in digital asset and payment infrastructure, emphasizing identity and compliance. It is distinguished as the first platform to integrate digital identity into a fully compliant blockchain system, allowing users to control their digital assets effectively. By offering simple APIs and digital wallets, Omnumi facilitates the execution of financial disbursements. The platform aims to serve as a trusted intermediary for financial transactions, thereby building confidence among global, regional, and national banking networks and regulators in its operational integrity.

Decaf is a digital ledger technology platform that focuses on facilitating secure and transparent payments through blockchain technology. The platform enables users to send and receive money in seconds, significantly reducing transaction times compared to traditional methods. With its user-friendly interface, Decaf provides businesses with a digital wallet and point of sale infrastructure, allowing them to accept and convert cryptocurrency seamlessly. Each transaction is recorded immutably on the blockchain, ensuring a high level of security and transparency for all users.

Indicio provides companies and markets the ability to create, develop, and launch new Trusted Data Ecosystems, marketplaces, and business models for the exchange of high value information and data assets. Specializing in financial, healthcare, and travel markets, Indicio provides customers with technology and a decentralized network to issue, hold, and verify data contained in encrypted digital credentials. With Indicio’s privacy-preserving software, companies can confirm data authenticity repeatedly and efficiently from its source without the expense or risk of direct integrations—resulting in a boost to their bottom-line profit and information privacy reputation.

Unifimoney is a digital wealth management platform tailored for community banks and credit unions, offering a comprehensive solution for money management. The platform supports over 70 cryptocurrencies, as well as the passive and active investment of more than 10,000 equities, ETFs, and precious metals. By integrating seamlessly with existing digital banking infrastructures, including Q2 and Jack Henry Banno, Unifimoney provides a low-cost and efficient option for financial institutions to enhance their service offerings. Its software simplifies everyday money management and helps maximize passive income, allowing customers to manage their wealth effectively for long-term growth through a single app that encompasses investing, trading, insurance, and credit services.

Aeldra is a financial services company that provides mobile banking, card services, remittance, and foreign exchange solutions specifically for residents outside the United States. The company offers a banking platform that allows individuals, particularly Indians, to open savings accounts with U.S. banks. Aeldra's services include savings and current accounts, debit cards for personal and corporate use, money transfers, and bill payments. By facilitating quick and secure banking transactions, Aeldra aims to simplify overseas banking for its users.

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

Securitize is modernizing capital markets by enabling digital securities, making it easier for eligible investors to own, manage, and trade digital securities within designated capital markets for equity, funds, fixed income, and real estate. Securitize is the only SEC Registered Transfer Agent integrated with multiple regulated US-based marketplaces with a working protocol and live issuers. The company also offers KYC/AML and capital management services. Securitize, Inc. is not a registered broker-dealer and does not make any endorsement of offerings.

ModernTax is API platform that enables financial and fintech companies to access and verified IRS taxpayer records and (2) an employee financial benefits platform providing benefits teams with a comprehensive tool to automate taxable events. ModernTax answers the tax and accounting industry’s need for: 1. Connection between taxpayers and business providers 2. Accessibility of tax data and virtual tax filing services 3. Efficiency of processes for tax and accounting service providers

Blockdaemon Inc. is a company that develops a blockchain node management platform, enabling businesses, enterprises, and developers to efficiently deploy and manage blockchain applications. The platform supports over 30 blockchain protocols, including Bitcoin, Ethereum, XRP, Tezos, and Polkadot, offering tools for exchanges, custodians, and financial institutions. Blockdaemon's solution is designed for flexibility, allowing users to switch between networks and chains easily, thus simplifying the configuration process. The company also provides valuable dev-ops guidance to support the blockchain developer ecosystem. Founded in 2013 and headquartered in Los Angeles, California, Blockdaemon has additional offices in New York and Ireland.

Noble Money is a digital currency company focused on making sound money accessible to everyone. The company aims to promote the adoption of digital currencies, beginning with governmental integration. By specializing in digital currency tokenization, Noble Money seeks to enhance the usability and scalability of these currencies, thereby facilitating broader acceptance and implementation in various sectors.

Aeldra is a financial services company that provides mobile banking, card services, remittance, and foreign exchange solutions specifically for residents outside the United States. The company offers a banking platform that allows individuals, particularly Indians, to open savings accounts with U.S. banks. Aeldra's services include savings and current accounts, debit cards for personal and corporate use, money transfers, and bill payments. By facilitating quick and secure banking transactions, Aeldra aims to simplify overseas banking for its users.

Puma Browser is a mobile application that combines a web browser and wallet specifically designed for the Web3 ecosystem, emphasizing user privacy. It supports decentralized protocols such as IPFS, HNS, and ENS, facilitating seamless payments for content creators, app developers, and game developers. By integrating web monetization capabilities, Puma Browser offers a premium, private, and distraction-free browsing experience. The company aims to provide access to a peer-to-peer and ownership-based economy, ultimately striving to empower one billion users with its innovative platform.

EMQ Limited is a Hong Kong-based financial technology startup established in 2014, with additional offices in Taiwan and China. The company focuses on creating a financial network across Asia, emphasizing remittance services. EMQ partners with financial institutions and strategic allies in various countries, including Indonesia, Vietnam, and the Philippines, to facilitate and settle cross-border remittances. The company has developed a mobile application that allows clients to borrow and transfer money efficiently. EMQ holds a Money Service Operator license from the Hong Kong Customs and Excise Department and a Fund Transfer Operator license from Bank Indonesia, enabling it to provide affordable, secure, and real-time financial settlement services for users and global businesses.

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

Verified is a developer of a digital identity platform that facilitates the onboarding process for users in the fintech sector. The platform offers a single identity solution that consolidates multiple verifications about an individual into one cohesive identity. This integration allows businesses to streamline user signups by replacing traditional password systems with a more efficient and secure method. By creating a network of verified individuals, Verified enhances the user experience while ensuring robust identity management across different companies, both online and offline.

Prepaid2Cash is a financial technology company based in Birmingham, Alabama, specializing in the redemption of open-loop prepaid cards, such as those from Visa, MasterCard, American Express, and Discover. The company's web-based platform allows users to easily exchange prepaid cards, often obtained through rebate programs, product promotions, or cash gifts. By scanning their cards, users can directly transfer the balance to their bank accounts or opt for a mailed check, ensuring a hassle-free cash access experience. Prepaid2Cash emphasizes data encryption and stringent security measures to protect transactions, facilitating a secure environment for customers to manage their prepaid card balances efficiently.

TomoCredit LLC is a financial technology company based in San Francisco, California, that focuses on providing credit solutions for individuals with no credit history or score, particularly targeting Millennials and immigrant populations. Founded in 2018, the company uses alternative data sources analyzed through a proprietary algorithm to assess creditworthiness, allowing users to build their credit and qualify for loans. TomoCredit's product includes a digital credit card that not only helps users establish credit but also offers the opportunity to earn rewards in cryptocurrency. Additionally, the company provides a mobile application that facilitates account management and enhances user engagement. The founding team, comprised of professionals with backgrounds from notable organizations such as Coinbase and Google, aims to address the challenges faced by foreign nationals in obtaining credit.

TangoTrade is a business-to-business fintech company focused on empowering small and medium-sized enterprises by enhancing their access to global trade opportunities. The company has developed a trade finance platform that utilizes smart contracts and blockchain technology to streamline processes, reduce costs, and enhance security. By offering solutions that integrate financing, payment assurance, and cross-border payments, TangoTrade aims to simplify the complexities of international trade for its clients, enabling them to engage confidently in global markets.

Cogni is a New York-based company that provides a digital banking platform designed to serve pan-European businesses. It offers multi-currency business accounts linked to artificial intelligence-driven financial tools. The platform aims to simplify and automate virtual payments, providing users with an accessible financial service that integrates traditional finance, decentralized finance, and lifestyle needs such as booking hotels, flights, and movie tickets. By leveraging machine learning and AI, Cogni seeks to enhance the banking experience, making financial management easier and more transparent for its customers.

SMBX, Inc. is an online funding portal and public marketplace that specializes in issuing and buying small business bonds in the United States. Founded in 2016 and headquartered in San Francisco, California, the company provides a platform where small businesses can directly offer bonds to the public, bypassing traditional banks and associated regulatory fees. This model allows high-quality businesses to raise capital more efficiently by attracting individual investors seeking returns on their investments. SMBX operates a mobile application to enhance access to its services, positioning itself as a unique player in the small business debt market, particularly within the SBA loan sector.

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

HalCash is a system that enables withdraw money from ATM with your phone.

ShapeShift is a digital currency exchange platform established in July 2014, designed to facilitate instant conversion between Bitcoin and various altcoins while prioritizing consumer protection and efficiency. In 2019, ShapeShift introduced a new platform that allows users to self-custody their cryptocurrency assets, enabling them to buy, sell, trade, track, send, and receive digital currencies without relying on third-party services. This approach enhances user security by eliminating the need for user accounts and registration, thereby safeguarding both funds and personal information. Additionally, ShapeShift operates CoinCap.io, a real-time cryptocurrency market data service, and acquired the hardware wallet company KeepKey in 2017. The company is led by Erik Voorhees, a notable figure in the cryptocurrency industry.

Upgrade, Inc. is an online lending platform based in San Francisco, California, with additional offices in Phoenix, Montreal, and Chicago. Founded in 2016, Upgrade provides access to personal loans and the Upgrade Card, offering consumers affordable credit options. The Upgrade Card combines the benefits of traditional credit cards with the responsible lending characteristics of installment loans, available at numerous retail locations in the U.S. In addition to lending services, Upgrade offers free credit monitoring, alerts, and educational tools designed to help consumers understand and manage their finances effectively. By combining financial products with educational resources, Upgrade aims to promote responsible credit use among mainstream consumers.

Payswiff is the leading Indian International Fintech player that provides omni-channel electronic payments acceptance solutions to Enterprises, SMEs, Banks, and Mobile Service Operators across 12 countries spanning Asia, Middle East, Africa and Europe. Payswiff is a payment facilitator, provider of outsourcing and white label solutions for electronic payments. Payswiff is also licensed GST Suvidha Provider (GSP), providing convenient tax filing services to businesses In India. The co-founding team comprising of seasoned professionals with 13+ years’ experience in the payments industry launched Paynear in 2013. Their dream was to empower small & medium businesses with a simple, hassle free and secure payment transaction solution, which fulfills their day-to-day payment processing requirements. In 2015, the company launched its first flagship product - Paynear ONE, an omni-channel payment transaction solution that lets business owners accept payments from their customers in-store, at home deliveries, online and on-the-go using mPOS and POS solutions. Within a short span, in 2017 Paynear acquired Singapore headquartered Goswiff International and the trade name was re-branded as Payswiff Solutions. In the same year, Payswiff also become a licensed GST Suvidha Provider (GSP), that provides convenient tax filing services to businesses & other stakeholders through its invoicing and GST filing application - 'Taxngo'. Payswiff ONE – the company’s flagship plug ‘n’ play payment transaction solution helps its businesses accept payments through multiple modes, including debit cards, credit cards, net banking, payment gateway, e-wallets and UPI. Payswiff TaxnGo solution lets small & medium businesses automate their GST return filing needs along with managing their customers, products, vendors, credit/debit memos, create sales & purchase invoices and generate printable invoices seamlessly. Payswiff through its innovative solutions, has played a vital role in supporting the Indian Government's drive towards a digital Indian economy. The company has successfully served customers around the world since 2013, bagging multiple industry awards like, Telangana Brand Leadership Awards, Best Use of Mobile Technology in Financial Services at Asia Banking, Financial Services & Insurance Excellence Awards in Singapore, The 2017 Times Network National Awards etc. Recently, Payswiff attained the jury award for being the best IT Company at the 2018 HMTV Business Excellence Awards. At present, Payswiff has partnered with 50+ banks globally, has more than 450+ associates in 11 different countries and is listed in the Top 50 FinTech Companies in India.

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

MONI is building the bridge between the now and the future of banking and financial services. Our mission is to provide simple low-cost mobile personal banking tools for everyone, everywhere – and credit in real-time. We do not believe in the anarchy of destructing the old, we believe in future-proof evolution. We are building a hub connecting the current banking, payment and credit provisioning systems to new technologies such as cryptocurrencies. Our technology reduces system complexity, cuts out middlemen, reduces costs for all parties, and decreases fraud. MONI technology, accessible from any feature or smartphone, enables every citizen to identify themselves and provides them with basic financial services. Our technology works today, on any carrier network, anywhere in the world.

DailyPay is a New York City-based worktech company that provides an earned wage access solution, aiming to enhance the payment experience for employees across various sectors. By offering a digital wallet system and on-demand pay technology, DailyPay enables workers to access their earned wages before the traditional payday, allowing them to transfer funds directly to any bank account and purchase goods and services as needed. This service acts as a voluntary employee benefit, fostering stronger relationships between employers and their workforce while promoting financial well-being. DailyPay's innovative platform is designed to motivate employees to work harder and remain engaged in their jobs.

DigitalPay operates a software-as-a-service platform that enhances the speed, security, and convenience of digital payments for customers and vendors. Founded in 2011 and based in San Francisco, the company offers a gateway that allows users to securely send funds to their payees' preferred payment networks. The platform serves various industries, including travel, consumer rebates, legal services, and the contractor and freelance economy. By providing access to leading digital payment networks through a unified interface, DigitalPay enables real-time payments that lower operating costs, reduce the risk of fraud, and give recipients the flexibility to choose from multiple payment options.

Bitso is a cryptocurrency exchange platform founded in 2014 and headquartered in Mexico City. It enables users to buy and sell various cryptocurrencies, including bitcoin and ether, through a user-friendly marketplace. The platform allows customers to trade fractions of cryptocurrencies and make payments using their mobile devices, facilitating seamless transactions in the growing fintech and blockchain sectors. Bitso's focus on accessibility and ease of use positions it as a significant player in the cryptocurrency landscape in Latin America.

Lukka, Inc. is a blockchain-native technology company based in New York that provides middle and back office solutions tailored for the crypto-asset ecosystem. Established in 2014, Lukka specializes in managing and processing complex blockchain and cryptocurrency data, delivering tools that enhance accounting, auditing, tax reporting, and compliance for various entities, including funds and exchanges. Its key offerings include LukkaTax, which simplifies tax calculations for cryptocurrency transactions, and LukkaCrypto Office, a back-office solution designed to manage crypto assets with features for pricing, valuation, and reporting. Additionally, Lukka Reference Data provides normalized data for crypto assets, ensuring consistency and accuracy for enterprise applications. The company's solutions facilitate real-time visibility into crypto transaction activities, helping institutions meet their reporting and compliance needs efficiently.

Kueski is a prominent buy now, pay later (BNPL) and online consumer lending company in Latin America, primarily serving the Mexican market. Founded in 2012, Kueski aims to simplify financial access for consumers through its innovative product offerings. The company's ecosystem includes Kueski Pay, a BNPL solution that facilitates purchases both online and in physical stores, and Kueski Cash, which provides personal loans. By utilizing advanced technologies such as artificial intelligence and big data, Kueski efficiently assesses credit and fraud risks, enabling rapid approval or rejection of loan applications within minutes. This approach helps clients meet their short-term financial needs. Kueski has successfully raised over $300 million in equity and debt financing and has been recognized in industry rankings, underscoring its significant impact on the financial landscape in Mexico.

Bitso is a cryptocurrency exchange platform founded in 2014 and headquartered in Mexico City. It enables users to buy and sell various cryptocurrencies, including bitcoin and ether, through a user-friendly marketplace. The platform allows customers to trade fractions of cryptocurrencies and make payments using their mobile devices, facilitating seamless transactions in the growing fintech and blockchain sectors. Bitso's focus on accessibility and ease of use positions it as a significant player in the cryptocurrency landscape in Latin America.

37coins is a bitcoin startup based in Sunnyvale, California and currently a participant of Plug and Play Tech Center's bitcoin accelerator program. It provides SMS bitcoin wallet service for the unbanked and unteched in developing economies without Internet access. Individuals with the Internet can sign up to be gateway operator to meditate the transaction and to earn fee. Launched in March, 37coins has growing partnerships worldwide in Singapore and Philippines and hopes to make bitcoin more accessible to the global population with its seamless SMS technology.

TradeBlock, Inc. is a New York-based company that specializes in developing institutional trading tools for digital currencies. Founded in 2013, it provides financial institutions with a comprehensive suite of execution and analysis tools tailored for the digital currency markets. TradeBlock serves as a global source of data, offering insights on market trends, cryptocurrency trading, regulations, mining, protocol updates, blockchain analysis, and economic developments. As of December 31, 2020, TradeBlock operates as a subsidiary of CoinDesk LLC.

LedgerX LLC operates an online institutional derivatives exchange platform for digital currencies, facilitating smooth trading of futures and options. Founded in 2014 and based in New York, the company has sought registration with the U.S. Commodity Futures Trading Commission to function as a swap execution facility and derivatives clearing organization. The platform is designed to support physical settlement of contracts, block trading, and algorithmic trading, catering to both individual traders and institutions in the cryptocurrency market. As a subsidiary of NYBX LLC, LedgerX aims to enhance the trading experience in the evolving digital currency landscape.

Pay By Group offers a white-label checkout solution designed to integrate group-payment and installment capabilities into online retail platforms. This service enables merchants across various sectors, including travel, e-commerce, and healthcare, to facilitate secure online transactions while connecting with customers' banking services. By implementing this innovative payment solution, businesses can enhance their sales and increase conversion rates by over 27%, addressing the demands of a lucrative market segment.

Mines specializes in mobile-money-as-a-service platform built to address the consumer financial services gap in emerging markets. Leveraging partnerships with mobile carriers and financial switches, along with a technology stack built around artificial intelligence, cloud, and mobile technologies, the company offers banks a plug-and-play answer to the needs of the mobile consumer.

Wyre is a San Francisco-based company specializing in blockchain-based payment solutions aimed at transforming international payment processes. Founded in 2013, Wyre's platform facilitates real-time payouts, same-day transfers, and direct-to-bank transactions, allowing businesses to efficiently transfer funds across borders at competitive foreign exchange rates. The platform simplifies the payment experience for users by enabling account creation without the burdens of high fees, hidden costs, or complicated timing. Additionally, Wyre offers onramps and off-ramps, foreign exchange services, and crypto liquidity to support various crypto projects, including decentralized exchanges. As part of its broader operations, Wyre Capital invests in digital currencies and companies developing innovative financial services infrastructure.

nanopay is a global payments technology company offering payment and liquidity management products for businesses and banks. Our technology differentiates us. Our platform is built on hybrid blockchain technology that improves throughput, simplifies governance, and reduces cost. Our mission inspires us. Our long-term goal is to lead the world’s transition to digital cash.

Coin offers a smart payment device that stores the accounts and information of multiple swipeable cards in one place. Its primary product, Coin 2.0, is an electronic device that allows users to store multiple debit, credit, gift, loyalty, and membership card numbers in a single piece of plastic used for magnetic stripe and NFC tap-to-pay purchases. Its Coin Developer Program, in partnership with MasterCard and Visa, enables wearable manufacturers to seamlessly integrate secure payments into their devices, including fitness trackers, smartwatches, and jewelry. Coin was founded in 2012 and is based in San Francisco, California.

AngelList is a U.S.-based platform founded in 2010 that connects startups, angel investors, and job-seekers. It serves as a comprehensive resource for startups to fundraise, recruit talent, and launch products, with a portfolio that includes over 20 unicorns. The platform encompasses AngelList Venture, which focuses on venture fundraising, and AngelList Talent, which aids job-seekers in finding opportunities within startups. Additionally, AngelList has facilitated the launch of more than 100,000 products, contributing to the future of technology. The firm provides essential tools for legal formation, capital management, and fund administration, streamlining the fundraising process for both startups and investors.

Coinbase, Inc. is a digital currency platform that enables merchants, consumers, and traders to buy, sell, and store cryptocurrencies, including Bitcoin, Ethereum, and Litecoin. Founded in 2012 and headquartered in San Francisco, California, the company offers a range of services including a user-friendly website for transactions, a digital wallet, and merchant payment processing tools. These offerings facilitate seamless transactions for users and support a variety of online businesses. Coinbase's mission is to create an open financial system accessible to individuals worldwide, fostering the adoption of cryptocurrencies and enhancing the overall digital financial landscape.

Kabbage, Inc. is a financial technology company that provides small businesses with automated access to funding through its online lending platform. Founded in 2008 and headquartered in Atlanta, Georgia, Kabbage simplifies the loan application process, allowing businesses to apply online and receive approval in minutes. The platform leverages various data sources, including revenue, accounting, and business transactions, to assess a company's financial health and determine appropriate credit lines, which can reach up to $250,000. Kabbage also offers a mobile application that enables users to manage their accounts and withdraw funds conveniently. In addition, the Kabbage Card allows businesses to make purchases directly from their credit lines at point-of-sale locations. Over the years, Kabbage has expanded its services to support both online and brick-and-mortar businesses and has gained recognition for its innovation in the lending industry.