Ribbit Capital

Persona is a company that specializes in identity verification systems designed to enhance online security and trust. The platform provides businesses with a comprehensive suite of automated identity verification components that are configurable and customizable for various use cases, including age verification, fraud prevention, and account recovery. By facilitating the collection, verification, and management of sensitive personal information, Persona allows organizations to streamline customer identity verification processes, ensuring a secure online experience. This approach not only protects against identity theft and fraud but also helps businesses foster safer interactions with their customers.

Stitch is a payments infrastructure company that helps businesses seamlessly connect to the financial system, so they can deliver a better user experience and optimize operations. Headquartered in Cape Town, South Africa, Stitch launched in February 2021 and has global staff. Stitch offers all popular online payment methods and operates as a Payments Service Provider. Its platform supports a variety of pay-in methods and solutions; financial and payment management solutions; and Payouts. Learn more at stitch.money.

Plaid Inc. is a technology platform that facilitates the connection between consumers' bank accounts and various financial applications. Founded in 2012 and headquartered in San Francisco, the company aims to democratize financial services by providing developers with tools and infrastructure to create innovative financial products. Plaid's offerings include a suite of APIs that allow access to detailed transaction histories, real-time account balances, and user identity verification, among other functionalities. These tools enable financial institutions and developers, ranging from startups to large corporations, to build secure and user-friendly applications for personal finance, consumer payments, lending, and more. By streamlining the integration with traditional banking systems, Plaid enhances the ability of consumers and businesses to manage their financial activities efficiently.

Changxiang World is an intelligent service provider that specializes in the field of art training. The company is dedicated to developing an integrated art training intelligent service platform.

TON Foundation (TF) is a non-profit organization founded in Switzerland in 2023. It is 100% funded by the community, acts in its interests, and supports initiatives aligned with The Open Network Mission. See more at https://ton.foundation

Privy creates authentication, authorization, and data control tooling to enable developers to create products that keep users safe. It creates simple, powerful APIs for managing user data, allowing them to easily integrate user data into their products. Privy bridges the gap between users' on-chain activity and their off-chain data, allowing users to create delightful experiences without putting themselves or the product at risk.

Blockaid enable builders to protect users from fraud, phishing and hacks.

One is a financial mobile app headquartered in San Francisco, California, that offers a range of services including banking, fintech solutions, online payments, cash transactions, and digital wallet capabilities. Launched in 2019, the app is designed to enhance users' financial well-being by maximizing their earnings and increasing their spending power. It enables users to optimize their finances, achieve their financial goals more quickly, and easily share money with family and friends. One aims to address financial gaps and help users grow their money efficiently.

Gigs is a telecom-as-a-service provider that offers wireless subscriptions tailored for smartphones, wearables, and IoT devices. The company specializes in delivering custom voice and data plans, enabling businesses to create their own mobile services while retaining control over branding and pricing. By utilizing Gigs' API and white-label solutions, companies across various sectors, including telecommunications, technology, and retail, can monetize their audiences effectively. Gigs aims to enhance client conversion rates, increase subscription revenue, and reduce product returns, particularly for wearable and IoT devices.

Onze is a fintech company that develops pension and financial health solutions for employees. Onze provides financial health solutions with wealth accumulation to employees, through a different and modern pension plan. Onze encourages people to develop discipline on payroll contributions, encouraging long-term investment through tax breaks, and enabling businesses to effectively motivate employees.

Ualá is a financial technology company that offers a digital banking application designed to enhance financial inclusion. The platform allows users to manage payments, request loans, and invest in a variety of financial products. Ualá provides services such as a prepaid Mastercard and savings accounts, facilitating safe and immediate money transfers through a traditional transactional payment network. By democratizing access to financial services, Ualá aims to empower individuals with the tools necessary for effective financial management.

Imprint is a financial services company founded in 2020 and based in New York, specializing in payments, rewards, and loyalty services. The firm has developed a full-stack payments and loyalty platform that facilitates payment processing for merchants and consumers. This platform allows users to execute financial transactions while also earning loyalty and reward points, streamlining the management of daily financial transactions. Imprint aims to enhance the payment experience by integrating rewards and loyalty features, making it easier for users to engage with their financial activities.

Clip is the leading commerce and digital payment platform that is empowering businesses in Mexico to interact and transact with its consumers more effectively through innovative technologies, best-in-class customer service, and the ability to accept all payment methods digitally.

Payflows is a FinTech company that develops a SaaS platform that integrates finance teams and workflows for accounts payable, accounts receivable, customers, suppliers, payments, and cashflows. Its platform uses artificial intelligence to automate data gathering, reporting, benchmarking, and order execution tasks to help businesses reduce costs and streamline operational cashflows.

Figure Markets is a company focused on redefining private capital markets through the use of blockchain technology. It has developed a digital asset platform that allows users to trade, borrow, and invest within a single decentralized environment. The platform offers a range of financial instruments, including public equity, fixed-income securities, and alternative investments. Additionally, it supports cross-collateralization across all assets, enabling investors to diversify their portfolios beyond conventional options. This approach aims to enhance accessibility and efficiency in capital markets.

Vouch, Inc. is a provider of insurance products and services specifically tailored for startups in the United States. The company offers a range of coverage options, including general liability, business property, directors and officers insurance, errors and omissions, cyber coverage, crime coverage, employment practices liability, hired and non-owned auto, and fiduciary liability. Vouch operates a tech-enabled platform that allows businesses to access multiple insurance carriers and receive instant quotes, facilitating customized coverage solutions. By leveraging technology and industry expertise, Vouch aims to help high-growth companies manage risk effectively as they scale. Founded in 2016 and based in San Francisco, California, Vouch operates as a subsidiary of SVB Financial Group.

Meso is the developer of a web3 native payment platform intended to connect banks and cards to crypto apps.

Imprint is a financial services company founded in 2020 and based in New York, specializing in payments, rewards, and loyalty services. The firm has developed a full-stack payments and loyalty platform that facilitates payment processing for merchants and consumers. This platform allows users to execute financial transactions while also earning loyalty and reward points, streamlining the management of daily financial transactions. Imprint aims to enhance the payment experience by integrating rewards and loyalty features, making it easier for users to engage with their financial activities.

Kasa Living, Inc. is a real estate company that specializes in rental accommodation booking services through an online platform. Founded in 2016 and based in San Francisco, California, the company partners with owners of multifamily and boutique hospitality properties to transform underutilized real estate into professionally managed rentals that cater to both business and leisure travelers. Kasa Living offers a range of services, including hotel check-in and apartment bookings, as well as property management. Its accommodations are available in various states across the United States, including Virginia, Georgia, Texas, and California, among others. Kasa Living aims to create a global accommodations brand by providing travelers with efficient access to affordable, home-like lodging options.

Blockaid enable builders to protect users from fraud, phishing and hacks.

Stitch is a payments infrastructure company that helps businesses seamlessly connect to the financial system, so they can deliver a better user experience and optimize operations. Headquartered in Cape Town, South Africa, Stitch launched in February 2021 and has global staff. Stitch offers all popular online payment methods and operates as a Payments Service Provider. Its platform supports a variety of pay-in methods and solutions; financial and payment management solutions; and Payouts. Learn more at stitch.money.

PhonePe is a mobile payments app that allows users to transfer money instantly to anyone, by using just their mobile number. The company aims to make digital payments so easy, safe, and universally accepted that people never feel the need to carry cash or cards again. Its online payment system is based on Unified Payments Interface (UPI) and a digital wallet. PhonePe strives to make commerce a seamless experience for both customers and businesses.

Juniper Square, Inc. is a San Francisco-based investment management software provider for the real estate industry, founded in 2014. The company offers an online platform that automates investment operations, facilitating private equity firms in finding, raising, and managing capital. Juniper Square specializes in various services including fundraising, onboarding, investor management, and fund administration, catering to a diverse range of sectors such as real estate, private equity, venture capital, and private debt. By enabling general partners and limited partners to connect and communicate more effectively, Juniper Square aims to enhance collaboration and streamline processes, allowing organizations to maximize their investment potential.

Avian Labs is a financial technology company that specializes in developing payment solutions, primarily through its application Sling. This app facilitates seamless transactions between individuals and businesses, eliminating the complexities associated with traditional banking methods, such as sort codes and IBANs. By operating at the intersection of conventional finance and cryptocurrency, Avian Labs aims to create a simplified and globalized payment experience. Their platform enables secure money transfers across borders and currencies, while also emphasizing resistance to fraud and money laundering. Additionally, Avian Labs is committed to ethical practices, as evidenced by their hiring of professionals for roles such as Compliance & Financial Crime Manager.

Sealance develops a decentralized blockchain platform tailored for the cryptocurrency sector, emphasizing privacy, identity verification, and compliance with regulations. Leveraging advanced mathematical principles and cryptographic techniques, including zero-knowledge proofs, Sealance ensures the integrity of transactions while maintaining user confidentiality. The platform provides a robust framework for certifying transactions, effectively balancing the need for financial compliance with the demands of privacy in the digital currency landscape.

Payflows is a FinTech company that develops a SaaS platform that integrates finance teams and workflows for accounts payable, accounts receivable, customers, suppliers, payments, and cashflows. Its platform uses artificial intelligence to automate data gathering, reporting, benchmarking, and order execution tasks to help businesses reduce costs and streamline operational cashflows.

OneKey is a developer of a crypto security platform that enables users to securely store and manage various crypto assets, including cryptocurrencies, non-fungible tokens (NFTs), and decentralized applications (dapps). The platform provides an open-source crypto wallet, allowing users to buy and trade popular digital currencies such as Bitcoin, Ethereum, and Solana. With a focus on safety and convenience, OneKey aims to enhance the experience of all Web3 users by offering a reliable solution for managing their digital assets.

Fuse Energy, LLC is an energy company engaged in the exploration and production of oil and gas, primarily focusing on acquiring and utilizing assets in various hydrocarbon basins across the United States. Founded in 2014 and headquartered in Greenwood Village, Colorado, the company also operates as an energy supplier in the UK, offering competitive electricity tariffs. Additionally, Fuse Energy is dedicated to promoting the global renewable energy transition by providing innovative energy services, including virtual solar panels and advanced energy-saving solutions. This dual focus on traditional energy production and renewable energy solutions positions Fuse Energy as a versatile player in the energy sector, addressing both current and future energy needs.

Parafin is a financial infrastructure company that specializes in providing embedded financial products for small businesses through various online platforms. By simplifying the complexities of capital markets, underwriting, servicing, compliance, and customer support, Parafin enables small businesses to thrive even amidst economic uncertainty. The company has successfully launched its services on major platforms like Amazon, Walmart, DoorDash, and TikTok, reaching hundreds of thousands of businesses and facilitating over $8 billion in financing offers. Parafin's offerings include one-click financing tailored for sellers on on-demand marketplaces and point-of-sale systems, helping retail sellers enhance their gross merchandising volume and open new revenue streams.

Lead Bank is a commercial bank based in Garden City, Missouri, established in 1928. It provides a comprehensive range of banking and financial services aimed at promoting economic growth for businesses. The bank offers business accounts, cash management, credit card services, and business loans, along with online and mobile banking options. Additionally, Lead Bank specializes in transaction and financial advisory services, including interim executive placements, financial and strategic planning, mergers and acquisitions advisory, private equity placements, capital sourcing, and business valuations. Through its division, Lead Business Advisors, the bank also delivers advisory services that encompass bookkeeping and business brokerage.

Balance is a digital payments platform that enhances the B2B online purchasing experience for both buyers and vendors. Founded in 2019 and headquartered in Tel Aviv, Israel, the company offers a sophisticated checkout platform that leverages a machine learning engine for real-time authentication and financial risk assessment. This technology provides businesses with the flexibility to manage payments according to their needs, streamlining the transaction process and improving overall efficiency. Balance aims to create a more enjoyable and secure purchasing environment in the B2B sector.

Atlantic Money is a money transfer provider that offers international transactions for a flat fixed fee of £3 or €3 at the current exchange rate. All the way up to £1m or €1m. Atlantic Money is a international player in payment services that offers the world's cheapest solution for money transfers in foreign currencies. Atlantic Money was established in 2020 in London, England.

MachineFi Lab operates as a designer for IoT and blockchain technologies.

Meso is the developer of a web3 native payment platform intended to connect banks and cards to crypto apps.

Alan is a provider of online digital insurance services that focuses on health and wellness. The company offers tailored health insurance solutions for various businesses, ensuring simple and seamless coverage. Alan facilitates easy claim handling and provides users with convenient access to medical professionals through both in-person and video consultations. This approach empowers individuals to manage their health more effectively while simplifying the process of obtaining medical advice and handling reimbursements.

Point is a home equity platform that helps homeowners access equity financing in exchange for a fractional share of the future value of their homes. With a Home Equity Investment, homeowners can eliminate debt, get through periods of financial hardship, and diversify their wealth. For investors, Point provides access to a previously untapped asset class in the residential real estate space.

Pinhome is a technology-driven platform focused on enhancing property transactions and home financing accessibility. It aims to simplify the buying, selling, and renting processes by providing a comprehensive solution that organizes property data and information. The platform facilitates efficient property transactions and offers a range of services, including home and personal maintenance, ensuring that clients can seamlessly navigate their real estate needs. By digitizing property transactions and streamlining home financing, Pinhome addresses the challenges often associated with real estate, making it easier for customers to find and manage their homes.

Stark Bank S.A. operates a banking platform designed to support companies in scaling their operations through efficient transaction management. Established in 2014 and headquartered in São Paulo, Brazil, the company offers an open banking solution that allows businesses to execute transfers, payments, and charges seamlessly. Its platform features developer-friendly APIs that facilitate easy integration, helping organizations manage their financial transactions while eliminating excessive fees. By streamlining payment processing, Stark Bank enables companies to concentrate on their core activities, thereby enhancing their operational efficiency.

Tomo is a fintech startup dedicated to revolutionizing the residential mortgage and home-buying process through its subsidiaries, Tomo Mortgage and Tomo Real Estate. The company offers a modern real estate portal that leverages artificial intelligence, visual insights, and data to streamline the home-buying experience. Its platform emphasizes data-driven solutions, automation, and third-party API integrations, allowing clients to complete real estate transactions more efficiently than traditional methods. By addressing the complexities of home ownership, Tomo aims to simplify and enhance the overall experience for buyers.

Gauntlet is a developer of a financial modeling and simulation platform aimed at enhancing the safety and efficiency of blockchain protocols and smart contracts. The company's platform utilizes agent-based simulation to analyze and optimize key parameters of various protocols, which helps improve capital efficiency, fees, risk management, and incentive structures. By modeling market risk and economic incentives, Gauntlet enables clients to maximize their returns while minimizing potential risks. Its applied research and optimization teams focus on driving sustainable growth for leading crypto protocols, chains, and on-chain treasuries, ultimately enhancing financial performance for businesses in the blockchain ecosystem.

Helium is an internet-of-things developer platform for building the network and transferring IoT device data. The platform builds the peer-to-peer wireless network to simplify connecting anything to the internet by rewarding anyone to become a network operator. It provides wireless coverage for low-power Internet of Things (IoT) devices and earns a new cryptocurrency, Helium, from your living room. Helium tokens by verifying network transactions, adding new blocks to the blockchain, and performing other tasks. The Proof-of-Coverage is a unique work algorithm that uses radio waves to validate that hotspots are providing legitimate wireless coverage.

Fenbeitong is the enterprise consumption platform for full process control. Through intelligent control rules and reminding measures, Debeitong helps enterprises to save a lot of money during travel, car use, procurement and other public consumption. Through the credit monthly payment and unified invoice consumption mode, Debeitong helps employees to spare money. , free of charge, no reimbursement, greatly improve the efficiency of business operations.

Vivid is a leading European financial platform for businesses that seamlessly integrates the management of personal and business finances. Focused on SMEs, Vivid delivers cost-effective, scalable financial solutions with best-in-class pricing, market-leading interest rates on savings and advanced business tools. Founded in 2019 in Berlin by Alexander Emeshevand Artem Iamanov, Vivid has quickly grown into one of Germany’s top financial platforms for SMEs and private accounts. Backed by Greenoaks Capital and DST Global, the company is expanding across Europe setting new standards in how businesses bank.

Redefine offers an advanced end-to-end risk assessment and mitigation solution for DeFi investors. It includes an automated due diligence service, real-time portfolio risk monitoring, and active risk mitigation.

Checkout.com is a payment processing company founded in 2012 that offers a robust online payments platform capable of handling transactions in over 150 currencies. The platform enables businesses to accept major international credit and debit cards, as well as various local and alternative payment methods. By integrating an end-to-end technology, Checkout.com eliminates intermediaries, allowing retailers to connect directly with customers' bank accounts. The company provides advanced fraud filters, customizable risk settings, and detailed data insights to enhance transaction security and optimize performance. With a global workforce of over 1,700 employees located in 19 offices, Checkout.com combines local expertise with a commitment to facilitating fast and reliable payments for businesses worldwide.

Gorila Invest is a fintech company based in São Paulo, Brazil, founded in 2016. It specializes in developing an investment management application that allows users to consolidate their equity holdings and track the historical value of their portfolios. The platform automatically updates users on profitability, market quotations, and corporate events, while providing detailed monthly reports. This functionality enables both individual investors and advisors to manage their investments more effectively and securely. Gorila aims to empower its users with tools to better control their financial assets and enhance their investment strategies.

Slingshot is a decentralized finance (DeFi) trading platform that enables users to access and interact with digital assets securely and independently. Founded in 2018 and based in San Francisco, California, the company aggregates prices for over 50,000 cryptocurrencies across various decentralized exchanges, allowing users to buy, sell, swap, and bridge tokens at competitive rates. Slingshot offers a user-friendly experience across Web, Android, and iOS platforms, combining the performance of centralized trading with the transparency and security of decentralized finance. Its features include multiple wallet options, live price tracking, portfolio management, and customer support, making it a comprehensive tool for retail users in the cryptocurrency market. The company changed its name from DEXAG, Inc. to Slingshot in November 2020, reflecting its commitment to enhancing user experience in the evolving digital asset landscape.

Settle is a cash-flow management platform that assists businesses and individuals in managing their financial transactions and optimizing cash flow. Founded by Alek Koenig in November 2019 and based in San Francisco, California, Settle provides users with tools and insights to enhance their understanding of their financial situations. The platform automates business-to-business payments, offering features such as payment management, payable date management, paperless invoices, and auto payments. By streamlining these processes, Settle enables businesses to expedite billing cycles and make informed financial decisions.

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.

Sealance develops a decentralized blockchain platform tailored for the cryptocurrency sector, emphasizing privacy, identity verification, and compliance with regulations. Leveraging advanced mathematical principles and cryptographic techniques, including zero-knowledge proofs, Sealance ensures the integrity of transactions while maintaining user confidentiality. The platform provides a robust framework for certifying transactions, effectively balancing the need for financial compliance with the demands of privacy in the digital currency landscape.

Digital Currency Group (DCG) is a corporate venture capital firm based in Stamford, Connecticut, founded in 2015. The company focuses on building and supporting businesses within the bitcoin and blockchain sectors by providing insights, networking opportunities, and access to capital. With over 150 investments across more than 30 countries, DCG primarily targets companies involved in financial technology, web3 infrastructure, decentralized finance, and related fields. In addition to its investment activities, DCG owns and operates several key entities in the digital currency ecosystem, including CoinDesk, a leading media and events platform, Genesis Trading, a prominent bitcoin brokerage firm, and Grayscale Investments, the largest asset management firm specializing in digital currencies.

Chipper Cash is a financial services company founded in 2017 and headquartered in San Francisco, California. The company operates a mobile application platform that facilitates free and instant cross-border money transfers across Africa. By allowing users to send money to any mobile phone number in the region, Chipper Cash promotes financial inclusivity and provides a frictionless method for personal payments in different currencies. Its aim is to make peer-to-peer money transfers as simple and accessible as sending a text message, thereby enhancing the efficiency of financial transactions across the continent.

Forma is simple, easy to use and gives employees direct access to all their available benefits options through an intuitive interface. Employees spend benefits stipend through a curated collection of vendors that offer preferred pricing without the hassle of reimbursements, which saves time and money.

Groww is an investment platform that simplifies the process of investing in various financial instruments, including mutual funds and stocks. Founded in 2017 by Lalit Keshre, Harsh Jain, Neeraj Singh, and Ishan Bansal in Bengaluru, Karnataka, the platform aims to make investing accessible and transparent for new investors. It offers features such as insights on mutual funds, systematic investment planning, and options for investing in gold and US stocks. Groww's user-friendly interface enables customers to manage their investments in a paperless manner, while also providing services for personal loans and bill payments. As part of Y Combinator's winter 2018 batch, Groww continues to innovate in the personal finance space through data-driven solutions.

Justos is disrupting the insurance market in Latin America.

Brex Inc. is a financial technology company that provides corporate credit cards and integrated financial services to businesses. Established in 2017 and headquartered in San Francisco, California, Brex has additional offices in Draper, Utah; Vancouver, Canada; and New York, New York. The company offers the Brex Mastercard Corporate Credit Card, which features reward programs for various categories, including rideshare, travel, dining, and software subscriptions. By combining financial services with existing software applications, Brex enables businesses to streamline their financial operations and empower employees to make informed financial decisions. This innovative approach helps companies navigate the complexities of the modern business environment and enhances their growth potential.

FTX Exchange is a cryptocurrency exchange that offers a platform designed for both professional trading firms and novice users. It provides a range of products, including quarterly and perpetual futures for various cryptocurrencies, leveraged tokens, and over-the-counter trading. The exchange was initially developed by Alameda Research, a leading provider of cryptocurrency liquidity, which contributed to its robust market presence from the outset. Additionally, FTX Ventures served as the corporate venture capital arm of FTX, investing in various sectors such as healthcare, information technology, and gaming. Founded in 2022, FTX Ventures aimed to support innovative startups without imposing restrictions on their decision-making processes. However, the company declared bankruptcy in November 2022, marking a significant downturn in its operations.

Futureswap is a decentralized futures exchange platform that leverages blockchain technology to facilitate non-custodial trading. Based in San Francisco, California, the company specializes in automated market making (AMM) algorithms, enabling users to buy and sell cryptocurrency futures contracts efficiently. By providing a decentralized environment, Futureswap aims to enhance trading flexibility and security for its users.

Futureswap is a decentralized futures exchange platform that leverages blockchain technology to facilitate non-custodial trading. Based in San Francisco, California, the company specializes in automated market making (AMM) algorithms, enabling users to buy and sell cryptocurrency futures contracts efficiently. By providing a decentralized environment, Futureswap aims to enhance trading flexibility and security for its users.

CoinSwitch is a leading cryptocurrency exchange aggregator based in India, designed to simplify the complexities of cryptocurrency trading for everyday users. With over 20 million registered users, CoinSwitch enables individuals to easily invest in a variety of cryptocurrencies through a user-friendly platform. Users can make one-time purchases or set up systematic investment plans, allowing for flexible investment strategies. In addition to trading, CoinSwitch provides educational resources that help users understand the cryptocurrency market and make informed decisions. The platform features the Crypto Rupee Index, which aids users in analyzing market sentiments. Committed to expanding accessibility to cryptocurrency, CoinSwitch aims to establish itself as a comprehensive wealth-tech destination for Indian investors, facilitating a seamless experience for managing all aspects of their crypto transactions.

Bank Jago is a listed technology-based bank and is a mobile on-demand services and payments platform. Jago integrated a cashless payment method on the through the Gojek app. Jago was established on December 14, 1992 by Linawati Arto Hardy in Bandung, Jawa Barat.

Ajaib is a financial technology company based in Jakarta, Indonesia, that provides an online wealth management platform designed to democratize access to investment opportunities. Founded in 2019, Ajaib allows users to buy and sell stocks, exchange-traded funds (ETFs), and mutual funds through its user-friendly application. The platform is aimed at making investing accessible to all Indonesians, regardless of their financial background, by offering low minimum investment requirements and no account fees. Ajaib's mission is to provide safe, trusted, and affordable investment options, enabling individuals to save and grow their wealth effectively while minimizing risk.

Axio is a consumer finance company that focuses on providing accessible money management, pay later options, and personal credit services. By leveraging technology, Axio aims to make credit available to a broad audience, particularly targeting traditionally underserved consumers. Additionally, the company operates as an online platform offering working capital finance to small and medium-sized enterprises (SMEs), thereby supporting their financial needs and growth.

KAVAK is an online platform that facilitates the buying and selling of used cars, primarily in Latin America. Founded in 2016 and headquartered in Mexico City, the company leverages real-time market data to provide sellers with fair offers for their vehicles, allowing transactions to be completed quickly and conveniently from home. KAVAK enhances the customer experience by offering services such as home delivery, vehicle collection, and pre-owned car financing, enabling users to navigate the car trading process with ease. The platform specializes in e-commerce within the automotive and retail sectors, making it a prominent player in the used car market.

Genesis Digital Assets is a prominent Bitcoin mining company known for its extensive experience in the industry. Since its inception in 2013, the company has established over 20 industrial-scale mining farms and successfully brought more than 300,000 miners online, resulting in the mining of over $1 billion in Bitcoin. Genesis Digital Assets focuses on developing proprietary mining technology and aims to make its operations profitable. The company provides comprehensive services that include building, managing, and scaling large-scale mining operations, thereby offering clients the necessary infrastructure to support the evolving landscape of the cryptocurrency market.

Vouch, Inc. is a provider of insurance products and services specifically tailored for startups in the United States. The company offers a range of coverage options, including general liability, business property, directors and officers insurance, errors and omissions, cyber coverage, crime coverage, employment practices liability, hired and non-owned auto, and fiduciary liability. Vouch operates a tech-enabled platform that allows businesses to access multiple insurance carriers and receive instant quotes, facilitating customized coverage solutions. By leveraging technology and industry expertise, Vouch aims to help high-growth companies manage risk effectively as they scale. Founded in 2016 and based in San Francisco, California, Vouch operates as a subsidiary of SVB Financial Group.

Wave Mobile Money provides an app-based financial solution to save, transfer, and borrow money. Wave Mobile Money is on a mission to make Africa the first cashless continent. On a continent where less than 10% of the population has a bank account, Wave is building the first modern financial network — no account fees, instantly available, and accepted everywhere! It is building life-changing financial infrastructure. When mobile money succeeded in Kenya, it lifted about a million people out of poverty. And yet, over 10 years later, most Africans still lack access to affordable ways to save, transfer or borrow the money they need to build businesses or provide for their families. Wave is solving this problem by using technology to build a radically inclusive and extremely affordable financial network.

Offchain Labs, Inc. is a company based in Princeton, New Jersey, established in 2018. It focuses on developing solutions that enhance the scalability and privacy of Ethereum smart contracts, catering primarily to the gaming industry, financial applications, and consortium blockchains. The company offers a decentralized platform that allows for the development of smart contracts capable of handling a higher volume of transactions while ensuring user privacy. This platform combines the benefits of off-chain approaches, such as lower costs, with the security and simplicity associated with on-chain methods, thereby providing a comprehensive solution for developers and users alike.

Balance is a digital payments platform that enhances the B2B online purchasing experience for both buyers and vendors. Founded in 2019 and headquartered in Tel Aviv, Israel, the company offers a sophisticated checkout platform that leverages a machine learning engine for real-time authentication and financial risk assessment. This technology provides businesses with the flexibility to manage payments according to their needs, streamlining the transaction process and improving overall efficiency. Balance aims to create a more enjoyable and secure purchasing environment in the B2B sector.

Ualá is a financial technology company that offers a digital banking application designed to enhance financial inclusion. The platform allows users to manage payments, request loans, and invest in a variety of financial products. Ualá provides services such as a prepaid Mastercard and savings accounts, facilitating safe and immediate money transfers through a traditional transactional payment network. By democratizing access to financial services, Ualá aims to empower individuals with the tools necessary for effective financial management.

Helium is an internet-of-things developer platform for building the network and transferring IoT device data. The platform builds the peer-to-peer wireless network to simplify connecting anything to the internet by rewarding anyone to become a network operator. It provides wireless coverage for low-power Internet of Things (IoT) devices and earns a new cryptocurrency, Helium, from your living room. Helium tokens by verifying network transactions, adding new blocks to the blockchain, and performing other tasks. The Proof-of-Coverage is a unique work algorithm that uses radio waves to validate that hotspots are providing legitimate wireless coverage.

BharatPe is an Indian fintech company dedicated to providing financial services tailored for small and medium-sized merchants. The company primarily facilitates digital payments through the Unified Payments Interface (UPI) and Point of Sale (POS) devices. BharatPe's application enables merchants to accept payments seamlessly using interoperable quick response codes, promoting efficient business transactions. In addition to payment solutions, BharatPe offers business loans and other financial products, empowering merchants to effectively manage their finances and enhance their operations.

Hippo Insurance Services is a home insurance provider focused on enhancing the protection and safety of homeowners. Headquartered in Palo Alto, California, with additional offices in Austin and Dallas, the company offers innovative insurance solutions that cover a wide range of household needs, including electronics, home offices, and service line protection. By leveraging real-time data and smart home technology, Hippo is developing an integrated home protection platform aimed at reducing homeowners' concerns and improving their overall experience. The company operates across 37 states, making its products accessible to over 80 percent of U.S. homeowners. Hippo's business model includes a Services segment that generates fees and commissions without assuming underwriting risk and an Insurance-as-a-Service segment that supports third-party managing general agents, while the Hippo Home Insurance Program directly engages in homeowners insurance. The majority of Hippo's revenue is derived from the Insurance-as-a-Service segment.

FTX Exchange is a cryptocurrency exchange that offers a platform designed for both professional trading firms and novice users. It provides a range of products, including quarterly and perpetual futures for various cryptocurrencies, leveraged tokens, and over-the-counter trading. The exchange was initially developed by Alameda Research, a leading provider of cryptocurrency liquidity, which contributed to its robust market presence from the outset. Additionally, FTX Ventures served as the corporate venture capital arm of FTX, investing in various sectors such as healthcare, information technology, and gaming. Founded in 2022, FTX Ventures aimed to support innovative startups without imposing restrictions on their decision-making processes. However, the company declared bankruptcy in November 2022, marking a significant downturn in its operations.

Tomo is a fintech startup dedicated to revolutionizing the residential mortgage and home-buying process through its subsidiaries, Tomo Mortgage and Tomo Real Estate. The company offers a modern real estate portal that leverages artificial intelligence, visual insights, and data to streamline the home-buying experience. Its platform emphasizes data-driven solutions, automation, and third-party API integrations, allowing clients to complete real estate transactions more efficiently than traditional methods. By addressing the complexities of home ownership, Tomo aims to simplify and enhance the overall experience for buyers.

Chipper Cash is a financial services company founded in 2017 and headquartered in San Francisco, California. The company operates a mobile application platform that facilitates free and instant cross-border money transfers across Africa. By allowing users to send money to any mobile phone number in the region, Chipper Cash promotes financial inclusivity and provides a frictionless method for personal payments in different currencies. Its aim is to make peer-to-peer money transfers as simple and accessible as sending a text message, thereby enhancing the efficiency of financial transactions across the continent.

QuintoAndar is a digital platform that streamlines the rental process for residential real estate in Brazil. Founded in February 2013 by Gabriel Braga and Andre Penha, and headquartered in São Paulo, the company provides a marketplace where users can access rental listings, schedule property visits, and finalize rental agreements without the need for extensive paperwork. QuintoAndar enhances the experience for both landlords and tenants by offering features such as rental insurance and automated payment processing, which eliminate the requirement for guarantors. This approach fosters a practical, transparent, and efficient rental experience, making it easier for individuals to navigate the real estate market.

Onze is a fintech company that develops pension and financial health solutions for employees. Onze provides financial health solutions with wealth accumulation to employees, through a different and modern pension plan. Onze encourages people to develop discipline on payroll contributions, encouraging long-term investment through tax breaks, and enabling businesses to effectively motivate employees.

Figure Technologies, Inc. is a financial technology company based in San Francisco, California, established in 2018. It specializes in consumer financial solutions that include home equity lines of credit, home improvement loans, home buy-lease back offerings, mortgage refinancing, and student loan refinancing. Using its proprietary blockchain platform, Provenance, Figure aims to streamline the borrowing process, allowing customers to access capital in as few as five days. The company's services are designed to assist individuals with home improvement, debt consolidation, and retirement planning, leveraging advanced technologies such as artificial intelligence and analytics to enhance operational efficiency and customer experience.

Vise is a New York-based company that automates investment management for financial advisors through the use of artificial intelligence. Founded in 2016 by Samir Vasavada and Runik Mehrotra, Vise has developed a comprehensive platform that supports the entire advisor-client relationship. This includes designing personalized portfolios, managing investments, and offering ongoing intelligence. By automating these processes, Vise allows financial advisors to concentrate on fostering their client relationships while providing tailored investment solutions. The platform facilitates the creation of customized portfolios using individual securities, with features such as automated trade execution and continuous rebalancing, thereby enhancing the capabilities of financial advisors in helping their clients achieve their financial goals.

Vivid is a leading European financial platform for businesses that seamlessly integrates the management of personal and business finances. Focused on SMEs, Vivid delivers cost-effective, scalable financial solutions with best-in-class pricing, market-leading interest rates on savings and advanced business tools. Founded in 2019 in Berlin by Alexander Emeshevand Artem Iamanov, Vivid has quickly grown into one of Germany’s top financial platforms for SMEs and private accounts. Backed by Greenoaks Capital and DST Global, the company is expanding across Europe setting new standards in how businesses bank.