Lightspeed Venture Partners

Bachatt is a daily savings led financial services platform. Bachatt aims to address a critical need for over 30 crore self-employed individuals in India. while self-employed individuals earn daily, their expenses often require large, infrequent payments, creating a major cash flow challenge. This, coupled with the inherent variability in daily earnings, makes managing finances extremely difficult. Our vision is to become their trusted daily savings partner, helping them establish financial discipline. This strong foundation will then unlock access to a suite of financial products (loans, high-yield instruments, insurance, etc.) at more favorable terms.

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.

Shivalik Small Finance Bank is a technology-driven financial institution that focuses on serving small and underserved segments of the population. It utilizes a cloud-based architecture powered by Infosys Finacle for its core and digital banking, enabling efficient management and growth. The bank offers a range of retail banking services, including access to all major retail payment platforms such as UPI, IMPS, and NEFT/RTGS. With a customer base exceeding 450,000, including 15,000 self-help groups, Shivalik operates 31 branches and over 250 banking agents across Uttar Pradesh, Madhya Pradesh, Delhi, and Uttarakhand. As of March 31, 2021, the bank reported total deposits of Rs 1,245 Crores and total advances of Rs 805 Crores. Additionally, Shivalik serves as a corporate agent for various insurance products, partnering with well-known insurance providers to enhance its service offerings.

Found provides business banking services for self-employed people that makes self-employed taxes easy. With built-in expense tracking and a tax savings account, we’re on a mission to help millions of self-employed people make their business dreams a reality.

EarlyBird is a Fintech platform that facilitates financial gifting, enabling parents, friends, and family to contribute to children's investment accounts. The service transforms traditional gifting by making it personal and purposeful, allowing users to create meaningful financial legacies. Additionally, EarlyBird offers a digital time capsule feature that helps users capture and preserve memories, including photos, videos, and messages related to significant life events. This combination of financial empowerment and memory preservation fosters continuity and belonging within families, promoting a culture of shared experiences and generational wealth.

Cumbuca is a digital platform tailored for Brazilian families, offering a unique group account system that allows users to manage shared finances effectively. By creating customizable accounts with a shared permission system, Cumbuca replicates the functionality of joint accounts commonly found in other countries, which are not available in Brazil. The platform facilitates seamless management of shared expenses, including monthly bills, grocery costs, and other financial obligations, thereby minimizing disputes over finances among family members. With features such as shared savings, debt tracking, and visibility of individual balances, Cumbuca aims to simplify the process of organizing shared recurring expenses, enhancing financial collaboration within households.

Flourish is a Berkeley-CA financial technology company with a mission to empower people to build positive money habits. Flourish licenses its turnkey engagement and financial wellness platform to financial institutions in the Americas. The team at Flourish enables banks, credit unions, and other institutions to drive deposit growth, client loyalty and higher customer satisfaction by transforming how people interact with their money.

Yubi operates a comprehensive digital platform that facilitates the discovery, trading, execution, and fulfillment of debt solutions for both institutional and retail investors. The platform connects startups in need of funding with potential investors through the issuance of debentures. It offers a range of services including credit underwriting solutions, analytical models, and structuring tools. Additionally, Yubi provides automated execution workflows and real-time notifications about transactions, enabling investors to explore, evaluate, and execute deals efficiently while improving their credit decision-making processes.

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.

Yubi operates a comprehensive digital platform that facilitates the discovery, trading, execution, and fulfillment of debt solutions for both institutional and retail investors. The platform connects startups in need of funding with potential investors through the issuance of debentures. It offers a range of services including credit underwriting solutions, analytical models, and structuring tools. Additionally, Yubi provides automated execution workflows and real-time notifications about transactions, enabling investors to explore, evaluate, and execute deals efficiently while improving their credit decision-making processes.

Kikoff Inc. is a personal finance platform based in San Francisco, California, that aims to help individuals build and improve their credit scores at no cost. Founded in 2019, Kikoff offers a web and mobile application that allows users to access funds and establish a payment history by making monthly repayments. The platform is designed to maximize credit potential by providing tools that demonstrate creditworthiness, even for those without a bank account or existing credit score. Through its services, Kikoff enables users to monitor their credit scores and reports while offering a straightforward pathway to achieving their financial goals.

Till Financial, Inc. is a financial management platform founded in 2018 and located in Nantucket, Massachusetts. The company offers a collaborative financial platform designed specifically for families and their support communities, enabling children to learn about spending, saving, and investing. Till Financial promotes experiential learning by replacing difficult conversations about money with practical actions, teaching kids how to manage their finances wisely in everyday situations. The platform allows teenagers to track their money movements with detailed insights, fostering independence in managing savings and investments. Families can utilize this service without a monthly subscription fee, making it accessible to all. Banking services are provided through Coastal Community Bank, Member FDIC, under a license from Visa U.S.A. Inc.

Greenwood is a financial technology firm based in Atlanta, Georgia, that operates a digital banking platform aimed at serving Black and Latinx individuals and business owners. Founded in 2020, Greenwood offers a range of financial services, including savings and spending accounts, mobile deposits, peer-to-peer transfers, and early payroll access. The platform emphasizes community reinvestment and provides access to a global network of automated teller machines. With a commitment to innovative banking solutions, Greenwood also features a distinctively designed black metal debit card for its customers.

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.

Altro, formerly known as Perch, is a company based in Los Angeles, California, that focuses on helping individuals enhance their credit scores by leveraging recurring expenses. Founded in 2019, Altro provides a platform that allows users to link everyday payments and subscriptions, such as bills and monthly services, to their credit history. By recognizing these often-overlooked payments, the Altro app enables users to build their credit more effectively, turning regular financial commitments into a tool for improving their creditworthiness. The service is offered for free, aiming to empower users to maximize their financial potential through better credit management.

Kikoff Inc. is a personal finance platform based in San Francisco, California, that aims to help individuals build and improve their credit scores at no cost. Founded in 2019, Kikoff offers a web and mobile application that allows users to access funds and establish a payment history by making monthly repayments. The platform is designed to maximize credit potential by providing tools that demonstrate creditworthiness, even for those without a bank account or existing credit score. Through its services, Kikoff enables users to monitor their credit scores and reports while offering a straightforward pathway to achieving their financial goals.

Kikoff Inc. is a personal finance platform based in San Francisco, California, that aims to help individuals build and improve their credit scores at no cost. Founded in 2019, Kikoff offers a web and mobile application that allows users to access funds and establish a payment history by making monthly repayments. The platform is designed to maximize credit potential by providing tools that demonstrate creditworthiness, even for those without a bank account or existing credit score. Through its services, Kikoff enables users to monitor their credit scores and reports while offering a straightforward pathway to achieving their financial goals.

Brigit is a financial platform that focuses on promoting financial health and well-being for its users. The platform offers tools for cash advances, credit building, and financial management, allowing individuals to monitor their bills and budgets effectively. By providing insights into spending habits, Brigit helps users manage their finances more prudently and access credit options without incurring heavy interest costs. This approach aims to enhance users' financial stability and sustainability.

Alpaca is a developer-focused financial technology platform that provides an embedded brokerage infrastructure for accessing financial markets through modern application programming interfaces (APIs). The platform enables users to trade stocks and cryptocurrencies, offering real-time market data and tools for algorithmic trading. With its developer-friendly approach, Alpaca supports a wide range of applications and businesses worldwide, attracting tens of thousands of developers who utilize its services to create and enhance investing applications. The company has raised over $100 million in funding from prominent investors, reflecting its strong position in the financial technology landscape.

Haven Money is a wealth management platform designed to assist users, particularly busy millennials, in managing their finances effectively. The platform offers a free dashboard that enables users to monitor their financial status while utilizing advanced AI technology to analyze their spending and saving habits. It automates the process of saving and investing by adjusting users' account balances based on their unique income and spending patterns. Additionally, Haven Money facilitates seamless transfers from users' Haven accounts to their checking accounts, ensuring that individuals can effortlessly reach their financial goals. With features such as high-yield accounts and automated financial management, Haven Money aims to simplify the complexities of personal finance for its users.

Jianpu Technology Inc. is the independent open platform for discovery and recommendation of financial products in China, according to the iResearch Report*. By leveraging our deep data insights and proprietary technology, we provide users with personalized search results and recommendations that are tailored to each user’s particular financial needs and credit profile. We also enable financial service providers with sales and marketing solutions to reach and serve their target customers more effectively through online and mobile channels, and enhance their competitiveness by providing them with tailored data, risk management and end-to-end solutions. We are committed to maintaining an independent open platform, which allows us to serve the needs of users and financial service providers impartially.

Zest AI develops an artificial intelligence-based platform aimed at improving credit underwriting processes. Founded in 2009 and based in Burbank, California, the company utilizes advanced machine learning techniques to analyze large volumes of credit data, enhancing approval rates while minimizing the risk of erroneous credit decisions. By providing a transparent and fair approach to credit, Zest AI enables lenders to make informed decisions, ultimately expanding access to credit for a broader range of consumers. The platform also includes features that help lenders comply with regulatory standards by explaining data modeling results and measuring business impact. Through its technology, Zest AI helps clients offer better loans at lower prices, thereby increasing revenue and automating compliance efforts.

Zest AI develops an artificial intelligence-based platform aimed at improving credit underwriting processes. Founded in 2009 and based in Burbank, California, the company utilizes advanced machine learning techniques to analyze large volumes of credit data, enhancing approval rates while minimizing the risk of erroneous credit decisions. By providing a transparent and fair approach to credit, Zest AI enables lenders to make informed decisions, ultimately expanding access to credit for a broader range of consumers. The platform also includes features that help lenders comply with regulatory standards by explaining data modeling results and measuring business impact. Through its technology, Zest AI helps clients offer better loans at lower prices, thereby increasing revenue and automating compliance efforts.

Zest AI develops an artificial intelligence-based platform aimed at improving credit underwriting processes. Founded in 2009 and based in Burbank, California, the company utilizes advanced machine learning techniques to analyze large volumes of credit data, enhancing approval rates while minimizing the risk of erroneous credit decisions. By providing a transparent and fair approach to credit, Zest AI enables lenders to make informed decisions, ultimately expanding access to credit for a broader range of consumers. The platform also includes features that help lenders comply with regulatory standards by explaining data modeling results and measuring business impact. Through its technology, Zest AI helps clients offer better loans at lower prices, thereby increasing revenue and automating compliance efforts.

Zest AI develops an artificial intelligence-based platform aimed at improving credit underwriting processes. Founded in 2009 and based in Burbank, California, the company utilizes advanced machine learning techniques to analyze large volumes of credit data, enhancing approval rates while minimizing the risk of erroneous credit decisions. By providing a transparent and fair approach to credit, Zest AI enables lenders to make informed decisions, ultimately expanding access to credit for a broader range of consumers. The platform also includes features that help lenders comply with regulatory standards by explaining data modeling results and measuring business impact. Through its technology, Zest AI helps clients offer better loans at lower prices, thereby increasing revenue and automating compliance efforts.