Sequoia Capital Israel

Eduvanz is a fintech Non-banking Finance Company for students seeking financial assistance. Its platform collaborates with various educational institutes to offer unsecured loan products that can be availed through a quick and easy online process that pr pupils and academic aspirants with transparent and secure financial assistance to make education universally accessible.

Ambak is a B2B lending marketplace specializing in home loans. It operates a digital platform designed to streamline loan processes, offering transparent, efficient, and secure financing solutions.

Finova Capital is a financial services provider specializing in loans for micro and small businesses. It offers personalized financing solutions with transparent insights into loan structures and payment plans.

Ambak is a B2B lending marketplace specializing in home loans. It operates a digital platform designed to streamline loan processes, offering transparent, efficient, and secure financing solutions.

Eduvanz is a fintech Non-banking Finance Company for students seeking financial assistance. Its platform collaborates with various educational institutes to offer unsecured loan products that can be availed through a quick and easy online process that pr pupils and academic aspirants with transparent and secure financial assistance to make education universally accessible.

Progcap is a fintech lender in India that provides working capital to micro and small businesses, focusing on underbanked semi-urban and rural retailers, underwriting credit with non-traditional ecosystem data and risk models to enable collateral-free financing and supply chain-based funding solutions; founded in 2017 and headquartered in New Delhi, the company leverages technology to deliver affordable and timely credit to its customers.

MoHash is a decentralized finance protocol that facilitates global capital access and liquidity for private debt markets in fast-growing economies by leveraging stablecoin crypto assets.

Progcap is a fintech lender in India that provides working capital to micro and small businesses, focusing on underbanked semi-urban and rural retailers, underwriting credit with non-traditional ecosystem data and risk models to enable collateral-free financing and supply chain-based funding solutions; founded in 2017 and headquartered in New Delhi, the company leverages technology to deliver affordable and timely credit to its customers.

Finova Capital is a financial services provider specializing in loans for micro and small businesses. It offers personalized financing solutions with transparent insights into loan structures and payment plans.

Modalku is an online marketplace based in Jakarta, Indonesia, designed to connect small businesses seeking loans with lenders looking to fund these loans. By leveraging technology, Modalku offers borrowers access to financing options that may not be available through traditional channels, often at lower interest rates. Lenders participating in the platform can achieve returns that surpass those typically found in bank deposits and traditional investment products. This marketplace lending model has been successfully implemented in various countries, including the USA, UK, China, and Singapore, demonstrating its effectiveness in supporting small business growth.

Funding Societies, established in 2015 and headquartered in Singapore, operates a digital financing platform that connects small and medium-sized enterprises (SMEs) with investors. The company facilitates business loans, focusing on quick and efficient financing solutions, often bypassing traditional banking methods. It offers a range of flexible financing options, including micro and term loans, and invoice financing, using advanced credit scoring and risk assessment models. With operations across Southeast Asia, including Singapore, Malaysia, Indonesia, and Thailand, Funding Societies caters to SMEs seeking accessible and timely financing.

Tonik is a digital banking company that offers a range of retail financial products, including deposits, loans, current accounts, payments, and cards. Its platform is designed to facilitate secure online financial transactions, providing customers with a highly secure environment for managing their finances. By leveraging technology, Tonik aims to enhance financial liquidity and efficiency, enabling users to save and transact more effectively. The company focuses on delivering innovative banking solutions that cater to the needs of modern consumers.

Beta Finance is a decentralized finance protocol specializing in lending, borrowing, and short-selling of crypto assets. It aims to mitigate crypto volatility and promote market stability through its user-friendly platform, enabling traders of all skill levels to manage their short positions effectively.

Progcap is a fintech lender in India that provides working capital to micro and small businesses, focusing on underbanked semi-urban and rural retailers, underwriting credit with non-traditional ecosystem data and risk models to enable collateral-free financing and supply chain-based funding solutions; founded in 2017 and headquartered in New Delhi, the company leverages technology to deliver affordable and timely credit to its customers.

Clearpool operates a decentralized capital markets ecosystem that lets institutional borrowers create single-borrower liquidity pools and access uncollateralized liquidity from the DeFi ecosystem. Liquidity providers fund these pools to earn yields, with rewards provided in the platform’s native tokens. The system uses tokenized credit mechanics to support risk management and liquidity hedging. By connecting traditional capital markets with decentralized finance, Clearpool enables flows between the two realms and offers borrowers the ability to compare, select, and exit pools; participants receive tokens in return, redeemable at any time without lock-up. The company focuses on delivering a transparent, programmable framework for institutional-grade liquidity.

Eduvanz is a fintech Non-banking Finance Company for students seeking financial assistance. Its platform collaborates with various educational institutes to offer unsecured loan products that can be availed through a quick and easy online process that pr pupils and academic aspirants with transparent and secure financial assistance to make education universally accessible.

BharatPe is an Indian fintech company that serves small and medium-sized merchants by offering digital payments and related financial services. It enables digital payments through the Unified Payments Interface (UPI) and provides point-of-sale devices, along with business loans and other financial products to help merchants manage their finances. The company also operates a merchant payment app with an interoperable UPI interface and QR codes to facilitate accepting payments and conducting transactions smoothly and affordably.

Progcap is a fintech lender in India that provides working capital to micro and small businesses, focusing on underbanked semi-urban and rural retailers, underwriting credit with non-traditional ecosystem data and risk models to enable collateral-free financing and supply chain-based funding solutions; founded in 2017 and headquartered in New Delhi, the company leverages technology to deliver affordable and timely credit to its customers.

Babel Finance is a global leader in cryptocurrency financial services, catering to high-net-worth individuals and institutions worldwide. It offers professional services including crypto lending, asset management, and prime financing.

Five-Star Business Finance Ltd is a Registered Non-Banking Finance Company (NBFC) recognized by the Reserve Bank of India. Based in Kilpauk, Chennai, the company operates multiple branches across various locations, including Tamil Nadu and Karnataka. Five-Star specializes in providing secured loans tailored to the needs of micro-entrepreneurs and self-employed individuals. These loans can be utilized for diverse purposes, including business expansions, asset creation such as home renovations, and financing significant life events like marriage, healthcare, and education. The company is committed to delivering quality service to its customers, adhering to regulatory guidelines set forth by the Reserve Bank of India.

BharatPe is an Indian fintech company that serves small and medium-sized merchants by offering digital payments and related financial services. It enables digital payments through the Unified Payments Interface (UPI) and provides point-of-sale devices, along with business loans and other financial products to help merchants manage their finances. The company also operates a merchant payment app with an interoperable UPI interface and QR codes to facilitate accepting payments and conducting transactions smoothly and affordably.

BukuKas is a neo-banking venture focused on integrating unbanked individuals in Southeast Asia into the financial ecosystem. Initially launched in Indonesia, the BukuKas app aims to support micro and small enterprises by digitizing traditional bookkeeping methods. The application allows business owners to easily record sales, expenses, and cash transactions using their smartphones. By simplifying cash management, BukuKas helps these enterprises enhance their profitability. Additionally, the app offers features such as transaction management, money transfer without bank fees, performance monitoring, automatic financial report generation, and stock management. Through these services, BukuKas seeks to improve cash flow management for small businesses in the region.

Lummo empower entrepreneurs and brands in SEA to accelerate their growth and to serve their customers by giving them the best technology.

Finova Capital is a financial services provider specializing in loans for micro and small businesses. It offers personalized financing solutions with transparent insights into loan structures and payment plans.

Incomlend Pte. Ltd., established in Singapore in 2016 with global offices, operates an invoice financing platform that connects small and medium-sized enterprises (SMEs) worldwide with investors. Its secure, tech-enabled marketplace facilitates the sale of export and domestic trade receivables at a discount, enabling SMEs to access cash flow earlier. The platform supports live trading of invoices in multiple currencies across countries. Additionally, Incomlend has launched Asia's first structured finance program focused on ESG principles, connecting socially conscious investors with sustainable SMEs.

Tonik is a digital banking company that offers a range of retail financial products, including deposits, loans, current accounts, payments, and cards. Its platform is designed to facilitate secure online financial transactions, providing customers with a highly secure environment for managing their finances. By leveraging technology, Tonik aims to enhance financial liquidity and efficiency, enabling users to save and transact more effectively. The company focuses on delivering innovative banking solutions that cater to the needs of modern consumers.

Rupeek is a financial services company that operates an online lending platform specializing in gold loans and personal loans. The platform is designed to provide consumers with simplified and affordable lending solutions, focusing on credit risk assessment. Rupeek aims to enhance financial inclusion by offering transparent and accessible financial products. Customers can apply for loans by submitting basic identity and address proof, which allows for quick document verification and efficient processing. This streamlined approach enables consumers to receive loan disbursements within an hour, making the borrowing experience faster and more convenient.

MoneyTap is an app-based credit line that provides small to medium-sized cash loans, quick credit on mobile, and affordable interest rates. It is currently available in Delhi NCR (Delhi, New Delhi, Noida, Greater Noida, Ghaziabad, Faridabad, Gurgaon), Mumbai (Mumbai, Navi Mumbai & Thane), Hyderabad, Chennai, Bangalore, Jaipur, Mohali, Panchkula, Chandigarh, Ahmedabad, Vadodara, Anand, Vijayawada, Vizag, Indore, Ankleshwar, Bharuch, and Gandhinagar. MoneyTap was founded in 2015 by a passionate pack of IIT/ISB alumni. It is headquartered in Bangalore, Karnataka.

Epifi Technologies Pvt. Ltd., founded in 2019 and based in Bengaluru, India, operates as a digital bank without physical branches, targeting young millennial workers and digital natives. The company offers a comprehensive range of online and mobile-first financial services, including payment solutions, money transfers, and lending services. By partnering with licensed banks, Epifi creates a secure platform that serves as a primary hub for consumers, enabling them to access co-branded debit cards and integrate their existing financial products into a single mobile banking interface. Utilizing customer insights and advanced technology, Epifi aims to simplify the banking experience and support users in achieving financial freedom.

KredX is a prominent invoice discounting marketplace in India that facilitates quick access to working capital for businesses by allowing them to sell their unpaid receivables. This process enables micro, small, and medium-sized enterprises to obtain funds within 24 to 72 hours without the need for collateral. The platform connects these businesses with individual investors seeking low-risk, short-term investment opportunities, offering potential high returns. KredX has garnered significant backing from notable venture capital firms, including Sequoia Capital and Prime Venture Partners, and has recently completed a Series B funding round led by Tiger Global Management.

Aptus Value Housing Finance India is a housing finance company in India focused on low- and middle-income customers in rural and semi-urban markets. It provides long-term home loans for constructing, purchasing, or improving residences, as well as loans against property, loans for land purchase, and refinancing. The company also offers related insurance products. It operates a retail-focused lending model with activities including sourcing, underwriting, collateral valuation, legal assessment, credit assessment, and collections. Its target customers include self-employed and informal segments seeking affordable housing solutions. The business addresses housing needs in semi-urban and rural areas and is registered with the National Housing Bank. The company began operations in 2009 and is headquartered in Chennai.

Rupeek is a financial services company that operates an online lending platform specializing in gold loans and personal loans. The platform is designed to provide consumers with simplified and affordable lending solutions, focusing on credit risk assessment. Rupeek aims to enhance financial inclusion by offering transparent and accessible financial products. Customers can apply for loans by submitting basic identity and address proof, which allows for quick document verification and efficient processing. This streamlined approach enables consumers to receive loan disbursements within an hour, making the borrowing experience faster and more convenient.

Progcap is a fintech lender in India that provides working capital to micro and small businesses, focusing on underbanked semi-urban and rural retailers, underwriting credit with non-traditional ecosystem data and risk models to enable collateral-free financing and supply chain-based funding solutions; founded in 2017 and headquartered in New Delhi, the company leverages technology to deliver affordable and timely credit to its customers.

BharatPe is an Indian fintech company that serves small and medium-sized merchants by offering digital payments and related financial services. It enables digital payments through the Unified Payments Interface (UPI) and provides point-of-sale devices, along with business loans and other financial products to help merchants manage their finances. The company also operates a merchant payment app with an interoperable UPI interface and QR codes to facilitate accepting payments and conducting transactions smoothly and affordably.

Finova Capital is a financial services provider specializing in loans for micro and small businesses. It offers personalized financing solutions with transparent insights into loan structures and payment plans.

BharatPe is an Indian fintech company that serves small and medium-sized merchants by offering digital payments and related financial services. It enables digital payments through the Unified Payments Interface (UPI) and provides point-of-sale devices, along with business loans and other financial products to help merchants manage their finances. The company also operates a merchant payment app with an interoperable UPI interface and QR codes to facilitate accepting payments and conducting transactions smoothly and affordably.

MobiKwik is a fintech company offering payment solutions for consumers and merchants. It provides services including payments, digital credit, and investments, utilizing big data analytics and machine learning to enhance user experiences.

Akulaku is a Southeast Asia fintech platform that provides online credit and digital financial services. Founded in 2016 and based in Jakarta, Indonesia, it serves customers across Indonesia, the Philippines, and Malaysia with digital banking, digital financing, digital investment, and insurance brokerage offerings. The company operates a virtual credit card and ecommerce platform, as well as Asetku, an online wealth management service, and a mobile neobank supported by Bank Neo Commerce. It focuses on meeting the daily financial needs of underserved customers in emerging markets and aims to reach about 50 million users across Southeast Asia by 2025.

BharatPe is an Indian fintech company that serves small and medium-sized merchants by offering digital payments and related financial services. It enables digital payments through the Unified Payments Interface (UPI) and provides point-of-sale devices, along with business loans and other financial products to help merchants manage their finances. The company also operates a merchant payment app with an interoperable UPI interface and QR codes to facilitate accepting payments and conducting transactions smoothly and affordably.

Five-Star Business Finance Ltd is a Registered Non-Banking Finance Company (NBFC) recognized by the Reserve Bank of India. Based in Kilpauk, Chennai, the company operates multiple branches across various locations, including Tamil Nadu and Karnataka. Five-Star specializes in providing secured loans tailored to the needs of micro-entrepreneurs and self-employed individuals. These loans can be utilized for diverse purposes, including business expansions, asset creation such as home renovations, and financing significant life events like marriage, healthcare, and education. The company is committed to delivering quality service to its customers, adhering to regulatory guidelines set forth by the Reserve Bank of India.

Funding Societies, established in 2015 and headquartered in Singapore, operates a digital financing platform that connects small and medium-sized enterprises (SMEs) with investors. The company facilitates business loans, focusing on quick and efficient financing solutions, often bypassing traditional banking methods. It offers a range of flexible financing options, including micro and term loans, and invoice financing, using advanced credit scoring and risk assessment models. With operations across Southeast Asia, including Singapore, Malaysia, Indonesia, and Thailand, Funding Societies caters to SMEs seeking accessible and timely financing.

Finova Capital is a financial services provider specializing in loans for micro and small businesses. It offers personalized financing solutions with transparent insights into loan structures and payment plans.

Financial Huijin is a financial risk control solution provider. It uses financial data technology to provide financial institutions with risk control solutions and consulting services. The service areas include banking, insurance, credit, payment, and asset management. Financial institutions, product services include full-flow risk control solutions, credit/anti-fraud models based on big data and machine learning.

Five-Star Business Finance Ltd is a Registered Non-Banking Finance Company (NBFC) recognized by the Reserve Bank of India. Based in Kilpauk, Chennai, the company operates multiple branches across various locations, including Tamil Nadu and Karnataka. Five-Star specializes in providing secured loans tailored to the needs of micro-entrepreneurs and self-employed individuals. These loans can be utilized for diverse purposes, including business expansions, asset creation such as home renovations, and financing significant life events like marriage, healthcare, and education. The company is committed to delivering quality service to its customers, adhering to regulatory guidelines set forth by the Reserve Bank of India.

MoneyTap is an app-based credit line that provides small to medium-sized cash loans, quick credit on mobile, and affordable interest rates. It is currently available in Delhi NCR (Delhi, New Delhi, Noida, Greater Noida, Ghaziabad, Faridabad, Gurgaon), Mumbai (Mumbai, Navi Mumbai & Thane), Hyderabad, Chennai, Bangalore, Jaipur, Mohali, Panchkula, Chandigarh, Ahmedabad, Vadodara, Anand, Vijayawada, Vizag, Indore, Ankleshwar, Bharuch, and Gandhinagar. MoneyTap was founded in 2015 by a passionate pack of IIT/ISB alumni. It is headquartered in Bangalore, Karnataka.

Pulan builds a service platform for bulk financial product transactions for entity enterprises, small and medium-sized banks, and non-bank financial institutions, providing market participants with matching, consulting, data, software, knowledge process outsourcing, and other multi-faceted financial services covering bills, bonds, and funds.

KredX is a prominent invoice discounting marketplace in India that facilitates quick access to working capital for businesses by allowing them to sell their unpaid receivables. This process enables micro, small, and medium-sized enterprises to obtain funds within 24 to 72 hours without the need for collateral. The platform connects these businesses with individual investors seeking low-risk, short-term investment opportunities, offering potential high returns. KredX has garnered significant backing from notable venture capital firms, including Sequoia Capital and Prime Venture Partners, and has recently completed a Series B funding round led by Tiger Global Management.

Aptus Value Housing Finance India is a housing finance company in India focused on low- and middle-income customers in rural and semi-urban markets. It provides long-term home loans for constructing, purchasing, or improving residences, as well as loans against property, loans for land purchase, and refinancing. The company also offers related insurance products. It operates a retail-focused lending model with activities including sourcing, underwriting, collateral valuation, legal assessment, credit assessment, and collections. Its target customers include self-employed and informal segments seeking affordable housing solutions. The business addresses housing needs in semi-urban and rural areas and is registered with the National Housing Bank. The company began operations in 2009 and is headquartered in Chennai.

Behalf, Inc. is a financing provider based in New York, established in 2011, with an additional office in Tel Aviv, Israel. The company specializes in facilitating commerce between business-to-business merchants and their customers by offering automated payment solutions, including instant credit and flexible payment terms at the point of sale. Behalf integrates seamlessly into merchants' sales and invoicing processes or online checkout systems, allowing business customers to access financing regardless of the invoice or transaction size. By paying merchants upfront, Behalf enhances their sales and cash flow, while also enabling small businesses to manage their operational efficiency through short-term financing and flexible repayment options.

Funding Societies, established in 2015 and headquartered in Singapore, operates a digital financing platform that connects small and medium-sized enterprises (SMEs) with investors. The company facilitates business loans, focusing on quick and efficient financing solutions, often bypassing traditional banking methods. It offers a range of flexible financing options, including micro and term loans, and invoice financing, using advanced credit scoring and risk assessment models. With operations across Southeast Asia, including Singapore, Malaysia, Indonesia, and Thailand, Funding Societies caters to SMEs seeking accessible and timely financing.

MobiKwik is a fintech company offering payment solutions for consumers and merchants. It provides services including payments, digital credit, and investments, utilizing big data analytics and machine learning to enhance user experiences.

Yudian Bank is a credit information service provider that specializes in developing software for supply chain finance services. The company's innovative software solutions assist lenders in various critical functions, including credit analysis, inventory analysis, risk management, and customer acquisition. By streamlining these processes, Yudian Bank enables its users to operate more efficiently, thereby enhancing their overall effectiveness in managing financial transactions and relationships within the supply chain.

Dadao Financial is a company that specializes in financing services tailored for individuals involved in second-hand property transactions. It offers a range of products, notably Jiaoyibao, which is a real estate insurance product that ensures the safety of assets during these transactions, and Jishidai, which provides expedited mortgage loans that can be secured in as little as three days. To enhance its service offerings, Dadao Financial has established partnerships with several prominent banks, including China Construction Bank, China Everbright Bank, and China CITIC Bank. The company operates 11 offices across major cities in China, including Guangzhou, Shanghai, Nanjing, and Zhengzhou, facilitating easier access to property financing solutions for its clients.

Dashu Finance is a specialized credit facility that serves small and micro-business owners by providing unsecured credit loans sourced from institutional investors. The company focuses on facilitating access to various types of financing, including education, corporate credit, rent, and car loans. Utilizing advanced credit analysis based on big data, Dashu not only offers loans directly to enterprises but also equips traditional financial institutions with credit analysis tools. This dual approach aims to enhance financial support for small businesses while improving the overall lending process.

Zhen Rong Bao is a financial technology platform that provides comprehensive asset allocation services to the general public. It offers a user-friendly interface allowing individuals to invest with a minimum of one yuan, facilitating anytime deposits and withdrawals. By focusing on high-quality debt assets, the platform enables users to select suitable investment options and access credit transfer services. This approach aims to deliver convenient and efficient financial management solutions tailored to meet the diverse needs of its clientele.

The idea of Vistaar dawned on the minds of two first generation entrepreneurs, who truly believe in supporting and creating new economic opportunity through providing access to finance, to deserving small business men, to enhance and enrich their lives and the community they live in. The Company targets the missing middle segment, consisting of customers with an annual income of Rs 120000-10,00,000, which is not effectively served by the formal financial system.

Behalf, Inc. is a financing provider based in New York, established in 2011, with an additional office in Tel Aviv, Israel. The company specializes in facilitating commerce between business-to-business merchants and their customers by offering automated payment solutions, including instant credit and flexible payment terms at the point of sale. Behalf integrates seamlessly into merchants' sales and invoicing processes or online checkout systems, allowing business customers to access financing regardless of the invoice or transaction size. By paying merchants upfront, Behalf enhances their sales and cash flow, while also enabling small businesses to manage their operational efficiency through short-term financing and flexible repayment options.

FinVolution Group, formerly PPDai, operates an online platform that facilitates peer‑to‑peer small unsecured loans in China. The company emphasizes a secure, high‑performance network built on innovative technology and ethical principles. It standardizes personal debit and credit behaviors, aiming to deliver benefits to both lenders and borrowers. Founded in August 2007 by individuals from prominent firms, FinVolution Group has positioned itself as a key player in China’s fintech lending ecosystem.

MobiKwik is a fintech company offering payment solutions for consumers and merchants. It provides services including payments, digital credit, and investments, utilizing big data analytics and machine learning to enhance user experiences.

finance

WeLab Holdings is a digital lending platform operator offering online and mobile lending products through platforms such as Wolaidai in China and WeLend in Hong Kong. It provides personal loans, balance transfers, and handset installment plans, and uses proprietary risk management technology to analyze unstructured mobile data to rapidly assess creditworthiness for individual borrowers. The company also serves small businesses through online lending and offers B2B fintech solutions by partnering with traditional financial institutions to extend fintech-enabled services to their customers. The business emphasizes data-driven credit decisions and aims to deliver accessible financing with competitive rates across its markets in Hong Kong and China.

Dashu Finance is a specialized credit facility that serves small and micro-business owners by providing unsecured credit loans sourced from institutional investors. The company focuses on facilitating access to various types of financing, including education, corporate credit, rent, and car loans. Utilizing advanced credit analysis based on big data, Dashu not only offers loans directly to enterprises but also equips traditional financial institutions with credit analysis tools. This dual approach aims to enhance financial support for small businesses while improving the overall lending process.

The idea of Vistaar dawned on the minds of two first generation entrepreneurs, who truly believe in supporting and creating new economic opportunity through providing access to finance, to deserving small business men, to enhance and enrich their lives and the community they live in. The Company targets the missing middle segment, consisting of customers with an annual income of Rs 120000-10,00,000, which is not effectively served by the formal financial system.

MobiKwik is a fintech company offering payment solutions for consumers and merchants. It provides services including payments, digital credit, and investments, utilizing big data analytics and machine learning to enhance user experiences.

FinVolution Group, formerly PPDai, operates an online platform that facilitates peer‑to‑peer small unsecured loans in China. The company emphasizes a secure, high‑performance network built on innovative technology and ethical principles. It standardizes personal debit and credit behaviors, aiming to deliver benefits to both lenders and borrowers. Founded in August 2007 by individuals from prominent firms, FinVolution Group has positioned itself as a key player in China’s fintech lending ecosystem.

Behalf, Inc. is a financing provider based in New York, established in 2011, with an additional office in Tel Aviv, Israel. The company specializes in facilitating commerce between business-to-business merchants and their customers by offering automated payment solutions, including instant credit and flexible payment terms at the point of sale. Behalf integrates seamlessly into merchants' sales and invoicing processes or online checkout systems, allowing business customers to access financing regardless of the invoice or transaction size. By paying merchants upfront, Behalf enhances their sales and cash flow, while also enabling small businesses to manage their operational efficiency through short-term financing and flexible repayment options.

Rong360 is a Chinese company specializing in customized financing and loan services. It provides a platform for users to search and compare various loan products offered by banks and lending agencies. By facilitating direct contact between users and bank personnel, Rong360 creates a comprehensive marketplace for financing solutions. The platform also offers personalized search results, enabling users to find credit cards, loan applications, and wealth management products tailored to their financial needs and credit profiles. Additionally, Rong360 delivers data risk management solutions that assist financial service providers in areas such as application approval and fraud detection, enhancing the overall efficiency of the lending process.

FinVolution Group, formerly PPDai, operates an online platform that facilitates peer‑to‑peer small unsecured loans in China. The company emphasizes a secure, high‑performance network built on innovative technology and ethical principles. It standardizes personal debit and credit behaviors, aiming to deliver benefits to both lenders and borrowers. Founded in August 2007 by individuals from prominent firms, FinVolution Group has positioned itself as a key player in China’s fintech lending ecosystem.

Behalf, Inc. is a financing provider based in New York, established in 2011, with an additional office in Tel Aviv, Israel. The company specializes in facilitating commerce between business-to-business merchants and their customers by offering automated payment solutions, including instant credit and flexible payment terms at the point of sale. Behalf integrates seamlessly into merchants' sales and invoicing processes or online checkout systems, allowing business customers to access financing regardless of the invoice or transaction size. By paying merchants upfront, Behalf enhances their sales and cash flow, while also enabling small businesses to manage their operational efficiency through short-term financing and flexible repayment options.

Equitas Holdings Limited, based in Chennai, India, operates as a non-banking financial institution through its subsidiaries. Founded in 2007, the company focuses on providing a range of financial services, including microfinance, vehicle finance, housing finance, and loans for micro and small enterprises, as well as agricultural and gold loans. It serves individuals and businesses, particularly those with limited access to traditional banking services. Additionally, Equitas Holdings engages in online freight facilitation under the Wowtruck brand. The company evolved from its original name, Equitas Micro Finance India Private Limited, in 2012, and it has since expanded its offerings to include a variety of financial products aimed at helping low-income customers and self-employed individuals.

Ujjivan Financial Services Limited, established in 2004, is a leading Indian financial services provider, headquartered in Bengaluru. It specializes in serving the economically active poor, offering a wide range of micro and rural finance products, housing, personal, vehicle, and institutional loans, along with group and individual insurance. As of 2020, it operated through 575 branches. In 2016, Ujjivan Small Finance Bank Limited was launched as a subsidiary, providing banking services including savings and loan products, mobile banking, debit cards, and insurance to unserved and underserved segments, with 575 banking outlets and 475 ATMs as of 2020. Both entities are committed to promoting financial inclusion in India.

Tonik is a digital banking company that offers a range of retail financial products, including deposits, loans, current accounts, payments, and cards. Its platform is designed to facilitate secure online financial transactions, providing customers with a highly secure environment for managing their finances. By leveraging technology, Tonik aims to enhance financial liquidity and efficiency, enabling users to save and transact more effectively. The company focuses on delivering innovative banking solutions that cater to the needs of modern consumers.