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Pliant is a European fintech that specializes in B2B payment solutions through an API-first platform designed to streamline spending, improve cash flow, and embed payments into financial workflows. It serves industries with complex payment needs, such as travel and fleet, by enabling greater efficiency, control, and profitability. The company targets two primary segments: businesses seeking operational automation and extended credit lines, and financial software platforms, ERP providers, and banks seeking to offer embedded finance and white-label credit card solutions. Founded in 2020 and headquartered in Berlin, Pliant supports over 3,500 businesses and more than 20 partners, and operates as a licensed e-money institution issuing Visa-powered credit cards in 11 currencies across more than 30 countries. The platform provides customizable credit card management, automated transaction tracking, and real-time spending control to enhance financial oversight, reduce administrative workload, and optimize cash flow while maintaining security compliance.

Pliant is a European fintech that specializes in B2B payment solutions through an API-first platform designed to streamline spending, improve cash flow, and embed payments into financial workflows. It serves industries with complex payment needs, such as travel and fleet, by enabling greater efficiency, control, and profitability. The company targets two primary segments: businesses seeking operational automation and extended credit lines, and financial software platforms, ERP providers, and banks seeking to offer embedded finance and white-label credit card solutions. Founded in 2020 and headquartered in Berlin, Pliant supports over 3,500 businesses and more than 20 partners, and operates as a licensed e-money institution issuing Visa-powered credit cards in 11 currencies across more than 30 countries. The platform provides customizable credit card management, automated transaction tracking, and real-time spending control to enhance financial oversight, reduce administrative workload, and optimize cash flow while maintaining security compliance.

Concerto Card is a fintech company focused on enhancing brand loyalty through credit card partnerships. It offers a platform that specializes in card issuance, rewards functionality, and customer service. By integrating advanced technologies and analytics with robust card servicing, Concerto Card enables businesses to provide tailored credit card products to their customers, improving the overall user experience for both consumers and businesses.

Tala is a global fintech company focused on providing accessible financial services to underserved populations in emerging markets. Its mobile app offers instant credit, payments, savings, and transfers, bridging the gap between digital and cash ecosystems. Tala uses advanced data science and machine learning to assess creditworthiness in real-time, enabling customers without formal credit histories to access personalized credit lines.

Founded in Brazil in 2016, Neon is a leading fintech offering digital banking services. It provides debit and credit cards with no annual fees, personal loans, payroll loans, investments, cashback on debit transactions, and various payment methods. Neon also supports micro-entrepreneurs through MEI Fácil. With over 15 million customers and 1600 employees, Neon has seen significant revenue growth.

Quipu is building the first digital bank for the informal economy in LATAM. Using proprietary AI algorithms, Quipu assesses informal microbusinesses’ creditworthiness using over 80,000 alternative data points. Quipu leverages this data to provide working capital loans through a local supply chain financing system that allows microbusinesses to buy supplies, ingredients and materials at wholesale price. The company is building an uncollateralized loan protocol to boost their loan operation. Quipu’s goal is to become the one-stop-shop for financial services for micro-businesses in LATAM providing easy, fair and alternative access to working capital.

Finclude is a company that has developed a pan-European credit scoring system aimed at enabling businesses to evaluate consumers' creditworthiness based on their transactional behavior, irrespective of their credit history. The platform aggregates and interprets transactional data from various banks, allowing for a comprehensive assessment of an individual's affordability and creditworthiness. This innovative approach assists customers in making informed credit decisions by providing a clearer view of potential borrowers' financial behaviors and capabilities. Finclude's solution addresses the limitations of traditional credit scoring methods, thereby expanding access to credit for a broader range of individuals.

Tala is a global fintech company focused on providing accessible financial services to underserved populations in emerging markets. Its mobile app offers instant credit, payments, savings, and transfers, bridging the gap between digital and cash ecosystems. Tala uses advanced data science and machine learning to assess creditworthiness in real-time, enabling customers without formal credit histories to access personalized credit lines.

LendUp is an online lending service focused on improving financial health for individuals who are often excluded from traditional banking due to poor credit or unstable incomes. Founded by Sasha Orloff and Jake Rosenberg, the company offers a range of credit products, including loans and credit cards, designed specifically for the emerging middle class. LendUp integrates educational resources into its offerings, providing borrowers with the tools needed to enhance their financial literacy and build credit over time. By leveraging in-house technology, LendUp aims to deliver affordable and accessible financial solutions, allowing clients to break free from cycles of debt and achieve better financial outcomes.

LendUp is an online lending service focused on improving financial health for individuals who are often excluded from traditional banking due to poor credit or unstable incomes. Founded by Sasha Orloff and Jake Rosenberg, the company offers a range of credit products, including loans and credit cards, designed specifically for the emerging middle class. LendUp integrates educational resources into its offerings, providing borrowers with the tools needed to enhance their financial literacy and build credit over time. By leveraging in-house technology, LendUp aims to deliver affordable and accessible financial solutions, allowing clients to break free from cycles of debt and achieve better financial outcomes.

card.io offers a software development kit that lets developers capture credit card details by scanning the card with a smartphone camera, simplifying data entry for mobile apps. It also develops a mobile payment solution that enables merchants to settle transactions and provides tools for accepting credit card payments within mobile apps. By combining camera-based card data retrieval with an easy-to-use payment flow, card.io aims to streamline mobile checkout for developers, merchants, and end users.