Hard Yaka

Rain is a finance company that provides credit card services with technical support for secure transactions to web3 and crypto companies.

Emerge is a financial management tool for businesses. It is a digital-only banking option designed to help Kiwi businesses operate more quickly, economically, and efficiently.

CFX Labs is a fintech company specializing in cross-border payments and embedded wallet technology. It supports global payment processing and offers MoveMoney as a key platform for accepting and disbursing electronic payments from credit cards, debit cards, bank accounts, and digital wallets. The company provides value-added services including know-your-customer compliance, currency conversion, settlement, risk management, reconciliation, reporting, remittance, and fraud prevention, enabling users to streamline payment workflows and, in some offerings, monetize foreign exchange slippage. Operating in a heavily regulated environment, CFX Labs emphasizes security and regulatory compliance and maintains a private ownership structure with a small team.

Omnumi is a company that offers a blockchain-based platform designed to facilitate digital asset management and payment processing with a strong emphasis on identity and compliance. It is the first platform to integrate digital identity into a fully compliant infrastructure, allowing users to control and manage their digital assets securely. By providing simple APIs and digital wallets, Omnumi enables the execution of financial disbursements while positioning itself as a trusted intermediary for various financial transactions. The company's focus on compliance and identity assurance allows it to establish partnerships with global, regional, and national banking networks and regulators, fostering trust in its operations and services.

Founded in Bogotá in 2017, Movii is a fintech company dedicated to providing financial services to the unbanked population. Through its digital payment application and rechargeable debit card, Movii enables users to manage their money safely, pay bills, transfer funds, and purchase goods online or via mobile devices.

Founded in Bogotá in 2017, Movii is a fintech company dedicated to providing financial services to the unbanked population. Through its digital payment application and rechargeable debit card, Movii enables users to manage their money safely, pay bills, transfer funds, and purchase goods online or via mobile devices.

NFTpay is a fintech company that develops software enabling credit card transactions on websites and applications for buying non-fungible tokens (NFTs). It offers a digital multi-chain platform serving as an NFT marketplace, allowing creators to launch their NFTs and facilitating transactions between artists, content creators, celebrities, influencers, gamers, clubs, and enterprises.

TransferGo is a global money transfer company that enables individuals and businesses to send money internationally through a digital account-to-account platform. Headquartered in London, it offers online transfers with same-day delivery to selected destinations and aims to provide economical rates compared with banks and cash bureaus. The service targets migrant workers sending funds home and businesses paying suppliers, charging a fixed transfer fee and a currency conversion margin per transaction.

EMQ Limited is a financial technology company founded in 2014 and headquartered in Sheung Wan, Hong Kong, with additional offices in Taiwan and China. The company focuses on developing a comprehensive financial network across Asia, primarily targeting remittance services. EMQ partners with financial institutions and strategic partners in various countries, including Indonesia, Vietnam, and the Philippines, to facilitate and settle cross-border remittances. The company operates a settlement network designed to offer affordable, efficient, and transparent financial services, ensuring that users can conduct cross-border transactions in a streamlined and secure manner. EMQ holds licenses from relevant authorities in Hong Kong and Indonesia, which allows it to operate as a Money Service Operator and Fund Transfer Operator, respectively.

TransferGo is a global money transfer company that enables individuals and businesses to send money internationally through a digital account-to-account platform. Headquartered in London, it offers online transfers with same-day delivery to selected destinations and aims to provide economical rates compared with banks and cash bureaus. The service targets migrant workers sending funds home and businesses paying suppliers, charging a fixed transfer fee and a currency conversion margin per transaction.

Prepaid2Cash is a financial technology company that offers a software platform for redeeming network-branded and open-loop prepaid cards. Through its web-based solution, users can convert prepaid card balances into cash by direct deposit or mailed check. The platform supports cards acquired through rebates, promotions, or gifts, enabling users to scan their prepaid or gift cards and transfer the value to their bank accounts, with data encryption and secure transaction processing.

TransferGo is a global money transfer company that enables individuals and businesses to send money internationally through a digital account-to-account platform. Headquartered in London, it offers online transfers with same-day delivery to selected destinations and aims to provide economical rates compared with banks and cash bureaus. The service targets migrant workers sending funds home and businesses paying suppliers, charging a fixed transfer fee and a currency conversion margin per transaction.

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.

Uphold operates a cloud-based platform for moving, converting, transacting, and holding various currencies, commodities, equities, and other assets. Its platform enables users to add funds via bank transfers or cards, send/receive payments, convert currencies, and hold funds securely. Serving individuals, businesses, developers, and charities worldwide, Uphold facilitates transactions in over 150 countries with low fees.

TransferGo is a global money transfer company that enables individuals and businesses to send money internationally through a digital account-to-account platform. Headquartered in London, it offers online transfers with same-day delivery to selected destinations and aims to provide economical rates compared with banks and cash bureaus. The service targets migrant workers sending funds home and businesses paying suppliers, charging a fixed transfer fee and a currency conversion margin per transaction.

Yoyo Wallet, established in 2013 and headquartered in London, specializes in mobile payment solutions. It offers a user-friendly app enabling customers to make in-store purchases using their smartphones, processing over 150,000 monthly transactions. The platform combines payment and loyalty features, providing retailers with a marketing tool for in-store customer engagement and targeted rewards based on purchase history. Yoyo Wallet serves retailers, universities, and corporate locations across the United Kingdom.

Cuenca is a fintech company that provides digital banking and payments services through online and mobile platforms. The business offers savings and deposit facilities, digital loan capabilities with real-time funding, and the ability to send and receive money. It supports paying bills and services, including utilities, and enables users to manage finances securely, either digitally or with a physical card. The platform aims to simplify everyday financial tasks by combining online banking, bill payment, and digital money transfers in one solution.

Hal-Cash is a company that has developed a digital wallet platform designed to facilitate an efficient global payment system. Its innovative technology allows users to withdraw money from ATMs using their mobile phones, streamlining the cash withdrawal process. Additionally, Hal-Cash supports an electronic payment system that enables both national and international money transfers through a wide network of affiliated entities across various countries. This capability enhances the global remittance market by providing a more affordable and convenient method for individuals to send and receive money. Overall, Hal-Cash aims to improve the accessibility and efficiency of financial transactions for its users.

Simpl Technologies Private Limited, established in 2015 and headquartered in Mumbai, India, operates a leading online payments platform that enhances the e-commerce experience. The company has developed a market-leading Pay-Later platform, allowing merchants to offer consumers a seamless 1-click checkout experience and a line of credit at the point of sale. Simpl's innovative approach streamlines the payment process by using algorithms and payment engineering to consolidate transactions, enabling users to avoid repetitive payments. Additionally, the platform provides full buyer protection, ensuring secure monetary transactions between customers and merchants. Through its services, Simpl aims to simplify and automate the online payment experience for all parties involved.

Payswiff is a prominent Indian fintech company offering comprehensive electronic payment solutions to enterprises, SMEs, banks, and mobile service operators across 12 countries, including regions in Asia, the Middle East, Africa, and Europe. Founded in 2013, the company initially launched Paynear ONE, an omni-channel payment solution that facilitates in-store, online, and mobile transactions through various modes such as credit cards, debit cards, net banking, e-wallets, and UPI. In 2017, Payswiff expanded by acquiring Goswiff International and rebranding itself, while also becoming a licensed GST Suvidha Provider, offering streamlined tax filing services through its TaxnGo application. The company’s innovative approaches have supported the Indian government's push for a digital economy and have earned it recognition through multiple industry awards. With partnerships with over 50 banks globally and a presence in 11 countries, Payswiff continues to enhance payment processing for small and medium businesses, making transactions seamless and efficient.

MONI Nordic Oy, based in Helsinki, Finland, is a company that specializes in providing prepaid MasterCards to facilitate both online and offline payments. Founded in 2013, MONI aims to create accessible mobile personal banking tools that allow users to manage their financial activities, such as making purchases, sending and receiving money, obtaining credit, and withdrawing cash. The company develops a virtual banking platform that enables users to access essential financial services from any mobile device, thus bridging traditional banking with modern technologies like cryptocurrencies. By reducing system complexity and eliminating intermediaries, MONI's technology aims to lower costs and decrease fraud, thereby enhancing the overall banking experience for individuals worldwide.

DailyPay is a worktech company specializing in earned wage access solutions. It uses an award-winning platform to help employers strengthen employee relationships while supporting workers' financial well-being outside the workplace.

Enter is a payments platform that focuses on serving businesses in emerging markets, particularly in the healthcare sector. It operates a revenue cycle management system designed to streamline the billing process for healthcare providers. The platform aims to facilitate timely payments from insurance companies while enhancing the overall patient experience. By offering fast, accurate, and transparent billing operations, Enter enables healthcare providers to achieve higher reimbursement rates, mitigate risks associated with HIPAA compliance, and maintain industry-standard transparency in their financial processes.

Verse is a payments technology platform that simplifies storing, spending, and sharing money. Its mobile app enables easy, instant, and fee-free transactions, with optional privacy settings for financial activities. Available on Android and iOS, Verse completes transactions within two business days.

DigitalPay is a San Francisco-based SaaS provider of digital payments, delivering a platform that enables secure, real-time payments to customers and vendors. Its gateway supports transfers across multiple payout networks through a single, unified experience, offering a choice of payment options to improve speed and convenience while reducing costs and fraud. The company serves industries including travel, consumer rebates, legal services, and contractor/freelance work. Founded in 2011, DigitalPay focuses on reliable, scalable digital payments for businesses.

Founded in 2012, Kueski is a leading buy now, pay later (BNPL) and online consumer lending company based in Mexico. It offers financial services through its innovative product ecosystem, consisting of Kueski Pay for BNPL transactions and Kueski Cash for personal loans. The company uses artificial intelligence and big data to expand access to traditional financial products.

Knox Payments Inc. is a payment processing company that specializes in facilitating ACH transactions, allowing customers to make direct payments to merchants using their existing bank accounts. Founded in 2013 and based in San Francisco, California, Knox Payments differentiates itself by prioritizing speed and efficiency in online checkouts. The company offers a service called Connexus, which enables users to pay merchants by logging in with their online banking credentials, eliminating the need for users to create new accounts. Through its innovative approach, Knox Payments provides a streamlined and secure payment solution for both merchants and consumers.

Yoco is an African technology company that enables entrepreneurs and small businesses to accept secure payments online and in person through a single platform. Its product ecosystem includes payments, lending, and business software.

Pay By Group offers a white-label checkout solution that enables online merchants to integrate group payment and installment capabilities into their payment processes. Catering to industries such as travel, e-commerce, and healthcare, the company helps clients enhance their online sales by increasing conversion rates by 27% or more. Their platform connects retailers with customers' banking service providers, facilitating secure cashless transactions. By providing a seamless payment experience, Pay By Group aims to boost sales for businesses while ensuring secure online payments for users.

Wyre, established in 2013 and based in San Francisco, specializes in blockchain-based international payment solutions. Its platform facilitates real-time, same-day, and direct-to-bank transfers across borders, offering competitive foreign exchange rates and eliminating high fees, complex timings, and currency exchange worries. Wyre also provides onramps and off-ramps, foreign exchange, and crypto liquidity services to various crypto projects and decentralized exchanges.

nanopay specializes in global payment solutions. It offers a platform built on hybrid blockchain technology, designed to enhance throughput, simplify governance, and reduce costs. The company aims to facilitate faster integration and branded white-label applications for businesses.

Coin is a San Francisco-based company established in 2012 that specializes in smart payment solutions. It offers Coin 2.0, an electronic device designed to consolidate multiple debit, credit, gift, loyalty, and membership cards into a single, portable unit. This device facilitates magnetic stripe and NFC tap-to-pay transactions, streamlining the payment process for users. Coin's innovative platform also features a Developer Program that collaborates with major payment networks to enable the integration of secure payment functionalities into wearable technology, such as fitness trackers, smartwatches, and jewelry. By providing a wallet-sized card that securely stores users' card information and includes alerts for device separation from smartphones, Coin enhances the convenience and security of digital payments.

Marqeta operates a modern card issuing and payment processing platform that enables businesses to create customized payment solutions using open APIs. Founded in 2010 and headquartered in Oakland, California, with an additional office in London, Marqeta's platform allows users to build, issue, and manage digital, physical, and tokenized payment cards. The company provides a range of services including virtual cards, real-time fund transfers, spend controls, and data analytics solutions. Marqeta serves various industries such as e-commerce, lending, on-demand services, and digital banking by offering flexible and scalable payment infrastructure. It is certified to operate in 40 countries globally.

Balanced is the first payment system designed for marketplaces from the ground up. We provide a feature-rich, fully integrated api that allows marketplaces to charge cards, escrow funds, deposit next day via ACH direct, and collect their own marketplace fees.

Ribbon is an online payments platform whose products include the peer-to-peer focused Ribbon, and the merchant payments platform Ribbon Merchant. Ribbon is a simple way to send and receive money online across all devices. Users create a profile page with a URL that anyone can access to pay them using a debit or credit card. The person paying the user is not required to have a Ribbon account. Ribbon Merchant allows sellers to accept payments instantly without having to write any code. Products checkout forms can be hosted as a one-page checkout on Ribbon, or integrated into the seller's website and social media platforms using a simple copy and paste. Ribbon was part of **[AngelPad](http://angelpad.org) #3** in 2011.