Liquid 2 Ventures

Flex is a financial services company that provides analysis, integration, and management solutions for HSA/FSA payments.

Tabs is an AI-powered platform that automates revenue processes for businesses. It structures contracts like MSAs, order forms, and emails to automate invoice computation through cash application. Founded in 2023, Tabs is headquartered in New York.

Flex is a financial services company that provides analysis, integration, and management solutions for HSA/FSA payments.

GTXN operates a technology-driven financial services platform, offering solutions such as payment and treasury management, FX and treasury advisory, securitization services, and fund and wealth management. This enables corporations to streamline cross-border transactions and finance operations, reducing costs, risks, and complexity.

Checkmate is a digital wallet and payments company that provides a range of financial solutions designed to enhance the shopping experience for users. The company operates a data platform that focuses on compounding discounts for e-commerce purchases. By utilizing first-party data, Checkmate creates personalized shopping journeys that not only improve the overall experience for consumers but also increase revenue for brands. This allows online shoppers to save money both in digital transactions and in physical retail settings.

Duplo is a financial technology company focused on providing embedded payment solutions for business-to-business enterprises in Africa. The company offers a platform that includes APIs and user interfaces, allowing businesses to automate payment inflows, reconcile transactions at scale, and execute mass payouts efficiently. Duplo's services enable businesses to seamlessly collect and attribute cashless payments while managing their payment operations effectively. In addition to these core functionalities, Duplo also facilitates the provision of financial services to the customers of its client businesses.

Belo facilitates international financial transactions for remote workers across Latin America. It offers a digital wallet that enables users to send and receive payments globally, convert currencies, pay salaries internationally, and access stable currencies at low costs.

Arpari is a financial management platform specifically designed for the commercial real estate sector. It offers a comprehensive suite of services that include treasury management, payment processing, and deposit account offerings. The platform is user-friendly and centralizes financial processes, allowing property owners to efficiently track and manage their finances. Additionally, Arpari facilitates the collection of rent and streamlines property management through seamless account integration. By automating and enhancing everyday banking needs, Arpari enables commercial real estate professionals to save time and improve overall portfolio management.

Rutter is a technology company that specializes in creating a universal API designed to integrate seamlessly with various commerce, accounting, and payment platforms. By enabling users to connect to any platform, Rutter provides a comprehensive view of business operations. The company's product offerings include dedicated APIs for accounting and commerce, facilitating the integration of e-commerce data. Rutter's solutions support a range of use cases, including revenue-based financing, small to medium-sized business lending, invoice factoring, spend management, and e-commerce enablement. Through its innovative approach, Rutter aims to simplify the complexities of data integration across multiple platforms.

Checkmate is a digital wallet and payments company that provides a range of financial solutions designed to enhance the shopping experience for users. The company operates a data platform that focuses on compounding discounts for e-commerce purchases. By utilizing first-party data, Checkmate creates personalized shopping journeys that not only improve the overall experience for consumers but also increase revenue for brands. This allows online shoppers to save money both in digital transactions and in physical retail settings.

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.

Debbie is a mobile platform that rewards consumers for reaching financial goals by granting points for saving, paying down debt, and improving financial health rather than rewarding spending. The service uses positive reinforcement and sponsorship from banks and financial institutions to drive account openings, loyalty, and deposits while enabling users to connect and track their credit cards and spending accounts. It aims to address financial insecurity by encouraging small, repeatable actions and has helped more than 10,000 people pay off about $1 million in debt and save over $10 million.

Duplo is a financial technology company focused on providing embedded payment solutions for business-to-business enterprises in Africa. The company offers a platform that includes APIs and user interfaces, allowing businesses to automate payment inflows, reconcile transactions at scale, and execute mass payouts efficiently. Duplo's services enable businesses to seamlessly collect and attribute cashless payments while managing their payment operations effectively. In addition to these core functionalities, Duplo also facilitates the provision of financial services to the customers of its client businesses.

Apprecio is a Mexico-based company that provides an inventory management platform for independent convenience stores. Launched in 2021, it serves over 50,000 businesses, offering insights on pricing, promotions, and sales execution to enhance revenue.

Slope is a financial platform developer that specializes in providing a range of payment alternatives for businesses. Its platform enables clients to manage loans, underwriting, debt collection, and payouts once goods or services are delivered. By offering options such as credit card acceptance and invoice link generation, Slope facilitates installment payments at checkout, which helps businesses improve their cash flow and financial security. Additionally, the platform allows technical teams to integrate its services into their existing frameworks, thereby reducing administrative burdens and enhancing the overall customer experience.

Finnu México, S.A.P.I. de C.V. is a financial technology company that develops a mobile application enabling users to access affordable personal loans through their smartphones. Founded in 2019 and headquartered in Mexico City, with an additional location in Barcelona, the company targets the unbanked adult population by offering short-term cash loans secured against personal assets. Users are provided with a Finnu-labeled payment card, allowing them to engage in the digital economy without the need for a credit history. While Finnu operates in both Europe and Asia, its primary focus is on the Latin American market.

Dots is a multichannel payouts API that automates manual processes for marketplaces. Dots' API lets a marketplace pay their sellers in the ways they want to be paid, including Venmo, Paypal, ACH and Zelle. As more Americans earn a living by becoming a 1099 worker, marketplaces need to provide flexible payout options and we make supporting these payouts easy through a single API.

Levro is a US-based financial technology company that operates a multicurrency platform designed to facilitate international business transactions. The platform allows companies to send and receive payments in 34 currencies across 168 countries, enabling them to hold, convert, and manage multiple currencies through a single account. By leveraging intelligent API-driven payment solutions, Levro aims to optimize costs, speed, and compliance, making global financial operations more efficient. The company focuses on simplifying and automating payments at scale, providing businesses with a modern banking solution that is significantly more affordable than traditional financial institutions. Levro's mission is to enhance the financial infrastructure for global businesses, enabling them to seamlessly interact with customers and suppliers worldwide.

Forage is a payments company that enables merchants to accept EBT SNAP payments through a unified API, facilitating transactions in online and in-person settings and expanding access to essential goods for customers using government assistance. The platform provides pre-built checkout components, rapid USDA certification, fraud protection, and real-time analytics to support reliable and compliant EBT processing. By simplifying payment acceptance, Forage helps merchants reach a broader customer base while supporting food security initiatives and inclusive commerce. The solution combines seamless integration with ongoing support to help merchants navigate regulatory requirements associated with government benefits programs.

Rutter is a technology company that specializes in creating a universal API designed to integrate seamlessly with various commerce, accounting, and payment platforms. By enabling users to connect to any platform, Rutter provides a comprehensive view of business operations. The company's product offerings include dedicated APIs for accounting and commerce, facilitating the integration of e-commerce data. Rutter's solutions support a range of use cases, including revenue-based financing, small to medium-sized business lending, invoice factoring, spend management, and e-commerce enablement. Through its innovative approach, Rutter aims to simplify the complexities of data integration across multiple platforms.

Vartana is a payments platform that provides flexible financing options for buyers and streamlined deal execution for sales teams. The platform offers a co-branded digital checkout with real-time support and automated payment plan offers directly within CRM systems, backed by pre-built integrations through an API. It enables pre-approved payment structures and centralizes the end-to-end deal workflow in a single dashboard, helping buyers maximize purchasing power while keeping finance teams agile with unlocked cash flow. Vartana was founded in 2020 in San Francisco by Kush Kella.

Clara is a Latin American fintech company specializing in corporate spending management. It offers locally-issued corporate cards, bill pay services, financing solutions, and a software platform designed to streamline expense reporting and provide real-time insights into spending.

Founded in 2017, Routable operates a B2B invoice and bill payment platform that automates processes for accounts payables and receivables teams. Its platform streamlines cash flow by helping to find errors, request authorization, and simplify payments worldwide.

Clara is a Latin American fintech company specializing in corporate spending management. It offers locally-issued corporate cards, bill pay services, financing solutions, and a software platform designed to streamline expense reporting and provide real-time insights into spending.

Reel is a platform for debt-free shopping that makes it simple to pay for what you want in installment savings. From a new pair of shoes to an Apple Watch, we help you save a little every day, while by giving you inspiration and price alerts.

Modern Treasury Corp. is a technology company that specializes in payment operations software, aimed at simplifying and modernizing business payments. Founded in 2018 and headquartered in San Francisco, California, the company offers a platform that automates the complete lifecycle of payments. This includes processes such as payment initiation, approval, processing, and reconciliation, all accessible through a web application or API. By integrating bank statements with clients' financial logic, Modern Treasury provides a comprehensive view of financial transactions, allowing finance teams to focus on critical business challenges rather than manual reconciliation tasks. The platform serves various industries, including real estate, healthcare, financial services, and marketplaces, offering robust tools and real-time data access to enhance payment operations.

Runa is pioneering a first-of-its-kind payment rail capable of sending and accepting digital value at scale. With Runa, companies can pay the people they serve in any form of digital value, anywhere, instantly. The Runa Network provides a wide range of digital payout types including gift cards, prepaid cards, subscriptions, donations, cryptocurrencies and more. Legacy payment mechanisms struggle to adapt to low-volume, high-velocity transactions both locally and globally, such as sending payouts to gig workers, creators, or sending rewards to customers or employees wherever they are. Runa’s infrastructure and network facilitates payouts to these recipients, helping businesses expand their reach, retain their users while modernizing the way in which they manage and transfer money: instantly, internationally, and free of charge for the senders and the recipient. Runa was established as WeGift in October 2016 by Aron Alexander in London, England.

Mercury specializes in digital banking solutions tailored for startups and tech-focused businesses. It offers business checking and savings accounts, corporate credit cards, cash management tools, payment processing, expense tracking, and seamless integrations with accounting software. Mercury also provides API access for custom financial automation and caters to venture-backed companies with specialized banking services.

Founded in 2017, Routable operates a B2B invoice and bill payment platform that automates processes for accounts payables and receivables teams. Its platform streamlines cash flow by helping to find errors, request authorization, and simplify payments worldwide.

PT Payfazz Teknologi Nusantara is a financial technology company focused on providing an agency-based financial platform designed to serve the unbanked population in Indonesia. The platform facilitates secure digital transactions, including bill payments, loans, money transfers, savings accounts, and investment services, thus enhancing financial accessibility for users without bank accounts. PAYFAZZ collaborates with various partners, including banks and financial institutions, to establish a distributed network of agents that streamline payment processes. With a commitment to security, the company employs advanced security measures such as GeoTrust SSL, User ID, and Password protections. Through its innovative solutions, PAYFAZZ aims to contribute to the digital transformation of Indonesia's financial landscape and improve its position within Southeast Asia.

Bxblue is a Brazilian fintech company that operates an online marketplace for personal loans. It specifically targets pensioners and government workers, offering payroll-secured loans at significantly lower interest rates compared to credit cards. This market segment represents 60% of Brazil's personal loan market, valued at USD 40 billion annually.

Token Transit, Inc. is a technology company that specializes in mobile ticketing and payment solutions for public transportation agencies. Established in 2015 and based in San Francisco, California, Token Transit offers a user-friendly application that allows riders in the United States and Canada to purchase fares using their smartphones. The platform supports payments via credit, debit, and commuter benefits cards, as well as Cash App Pay for unbanked and underbanked users. Token Transit works with over 200 municipal and regional transportation agencies across North America, enhancing the commuting experience by enabling fare purchases directly within popular applications like Google Maps and Apple Maps. Through its software-as-a-service model, Token Transit aims to provide convenience and flexibility in public transit fare management.

Sift, operating under ShopInbox, Inc., is a mobile application that helps consumers maximize their credit card benefits and secure refunds. By analyzing complex credit card policies, Sift uncovers hidden advantages such as price protection, theft and damage coverage, and extended warranties. The app tracks digital receipts from users' email accounts, consolidating purchase information and mapping benefits to individual transactions. It simplifies the claims process by automatically filing requests for reimbursements with credit card issuers, allowing users to reclaim funds that would otherwise go unclaimed. Available on both the App Store and Google Play, Sift aims to enhance financial awareness and convenience for users, ensuring they can access and utilize the full range of benefits their credit cards offer. Founded in 2015 and based in Sunnyvale, California, Sift is distinguished as the first service to provide comprehensive mapping of benefits for the majority of credit cards in the United States.

Symple, Inc. is a technology company based in San Francisco, California, that specializes in developing an online platform for business payments. Founded in 2015 by engineers from Stanford and USC, Symple's platform allows businesses to send and track invoices online, receive payments directly into their bank accounts, and manage customer interactions effectively. It enables vendors to digitize paper invoices, monitor spending and due dates, and streamline bill payments. The platform caters to a wide range of users, including bars, restaurants, startups, and larger manufacturers, by automating purchasing processes and facilitating digital payments. By eliminating manual workflows and providing real-time updates on payment activities, Symple aims to enhance operational efficiency for businesses of all sizes.