Valar Ventures

Ivy is a global provider of application programming interfaces (APIs) that facilitate instant bank payments, allowing businesses to accept direct bank transactions. By leveraging innovative payment technology, Ivy transforms every bank account into an instant payment wallet, enabling customers to make payments directly from their bank accounts without the need for cards or digital wallets. This streamlined approach simplifies the online transaction process for both businesses and consumers, enhancing efficiency and convenience in financial exchanges.

Gaia is a company that focuses on making in vitro fertilization (IVF) treatments more accessible and affordable by integrating reproductive health data with financial technology. It offers personalized success predictions and tailored insurance plans that address the risks associated with IVF outcomes. By combining these elements, Gaia aims to provide individuals with a more cost-effective approach to fertility treatments, helping to mitigate financial burdens while enhancing the overall patient experience.

Neo Financial is a FinTech company that offers an array of banking and financial services designed for efficient money management. It provides a secure platform for spending, saving, and earning rewards. Neo's credit card, issued by ATB Financial, operates on the Mastercard network, allowing users to make purchases easily. Additionally, the Neo Savings account, backed by Concentra Bank, offers competitive interest rates and is protected by deposit insurance. The company focuses on delivering a seamless experience with no monthly fees or minimum balance requirements, enabling users to manage their finances with greater flexibility and security.

LiveFlow is a flexible and powerful FP&A platform that syncs your QuickBooks Online and Xero reports in a Google Sheets, Microsoft Excel or LiveFlow dashboards to gain valuable insights in minutes. Trusted by finance professionals worldwide, LiveFlow provides serious value and time savings to some of the world's sharpest financial minds.

One Trading operates as an institutional-grade spot exchange for digital assets, catering to both retail and institutional investors. The company holds a Virtual Asset Service Provider (VASP) license in Italy and is in the process of applying for a MiFID II license to expand its offerings to regulated crypto derivatives. Its trading platform, developed in partnership with AWS, provides users with advanced features including market data, charting tools, and efficient order execution, enhancing the trading experience. As one of the fastest digital asset trading venues in the market, One Trading aims to facilitate effective trading for its clients.

Syfe is an investment and savings platform that empowers individuals to build their wealth through a comprehensive range of services. It offers fully managed portfolios, cash management solutions, and self-directed investment options, making it a unique all-in-one wealth management platform in the region. The company is fully licensed for fund management, financial advisory, and brokerage in Singapore, Hong Kong, and Australia. Syfe utilizes a proprietary algorithm to tailor portfolios for each client, optimizing returns while managing risk, thus providing customized and globally diversified investment strategies that align with individual risk profiles. The company has secured funding from notable investors, indicating strong market confidence in its innovative approach to wealth management.

Founded in 2021 by Roland Jais-Nielsen, HERO aims to address the funding challenges faced by small and medium-sized enterprises (SMEs) across Europe. The company operates a financial platform that offers a diverse array of instantly available financing and payment options. By integrating banking, payments, and credit services, HERO seeks to resolve the working capital issues that hinder the growth and operational efficiency of digital sellers. Its mission is to enhance financial flexibility for European SMEs, ultimately disrupting the traditional financial landscape for these businesses.

Moss is a technology-based payment and credit card platform designed to help businesses optimize their financial management. The platform offers a corporate credit card with significantly higher spending limits, accommodating even the largest expenses. It provides both virtual and physical credit cards, allowing teams to spend securely and efficiently. Moss enables companies to set individual spending limits and access real-time data on expenditures by card, merchant, or team, ensuring effective cost control. Additionally, the Moss app facilitates the digitization of receipts, including cost center and VAT assignments. At the end of each month, all financial data and documents can be easily exported to various accounting software, streamlining the reconciliation process.

MAJORITY is a fintech company that provides an app-based platform tailored for migrants seeking accessible financial services. For a monthly fee, members in the United States gain access to essential banking features, including an FDIC-secured account and a VISA debit card. The platform allows users to utilize over 55,000 ATMs across North America and offers services such as remittances, international calling, and mobile top-ups. Additionally, MAJORITY emphasizes community engagement by providing access to local meet-up spaces, discounts, and events, along with support from advisors fluent in various native languages. This comprehensive approach aims to address the unique financial needs of individuals who have crossed borders.

Ember Digital Limited is a London-based company that provides software designed to automate accounting and tax processes for contractors and small businesses. The platform leverages Open Banking and Machine Learning to streamline the entire accounting workflow, from bank transaction processing to tax submission. It offers features such as real-time transaction classification, generation of accounting reports, invoicing, payroll management, tax estimation, and filing with HMRC. By integrating these functions into a single platform, Ember aims to eliminate the need for costly accounting software and manual bookkeeping, allowing users to manage their finances more efficiently while reducing overall costs. Incorporated in 2019, Ember positions itself as an innovative solution in the financial technology sector.

Fung Payments is a payment service provider that specializes in offering embedded payment solutions tailored for vertical SaaS companies, including those in EV charging, PropTech, and accounting technology. The company has developed a payment service platform that facilitates a crypto-native payment system for online transactions, enabling e-commerce businesses to accept both fiat and cryptocurrency payments. This system helps merchants comply with evolving legal requirements, ensuring business continuity while providing a seamless payment experience.

AbbeyCross operates a B2B compliance marketplace that enhances the market infrastructure for emerging market currencies. The company connects payment banks with suppliers of trading and settlement services, addressing inefficiencies within the market. By collaborating with global banks and financial service providers, AbbeyCross facilitates improved currency liquidity, price transparency, and access to market data. This approach aims to streamline the fragmented landscape of emerging market currency payments, ensuring that clients benefit from a more efficient and reliable trading environment.

Ivy is a global provider of application programming interfaces (APIs) that facilitate instant bank payments, allowing businesses to accept direct bank transactions. By leveraging innovative payment technology, Ivy transforms every bank account into an instant payment wallet, enabling customers to make payments directly from their bank accounts without the need for cards or digital wallets. This streamlined approach simplifies the online transaction process for both businesses and consumers, enhancing efficiency and convenience in financial exchanges.

One Trading operates as an institutional-grade spot exchange for digital assets, catering to both retail and institutional investors. The company holds a Virtual Asset Service Provider (VASP) license in Italy and is in the process of applying for a MiFID II license to expand its offerings to regulated crypto derivatives. Its trading platform, developed in partnership with AWS, provides users with advanced features including market data, charting tools, and efficient order execution, enhancing the trading experience. As one of the fastest digital asset trading venues in the market, One Trading aims to facilitate effective trading for its clients.

MAJORITY is a fintech company that provides an app-based platform tailored for migrants seeking accessible financial services. For a monthly fee, members in the United States gain access to essential banking features, including an FDIC-secured account and a VISA debit card. The platform allows users to utilize over 55,000 ATMs across North America and offers services such as remittances, international calling, and mobile top-ups. Additionally, MAJORITY emphasizes community engagement by providing access to local meet-up spaces, discounts, and events, along with support from advisors fluent in various native languages. This comprehensive approach aims to address the unique financial needs of individuals who have crossed borders.

Atoa is a financial platform that enables UK merchants to receive payments efficiently and affordably. By offering a flat fee structure that can be up to 70% cheaper than traditional card machines, Atoa allows merchants to access their funds instantly, bypassing the typical waiting period of one to two days associated with card transactions. The platform supports various payment methods, including in-store QR payments, phone QR payments, and SMS payments, facilitating seamless online and offline transactions. With no contracts, hardware fees, or chargeback fraud risks—thanks to payments being approved through bank apps with Strong Customer Authentication—Atoa presents a simple, pay-as-you-go solution. Merchants can quickly sign up by downloading the Atoa Merchant app or visiting the company's website.

Vergo is a financial technology company that specializes in automating accounting and finance processes for construction businesses. It offers tools designed for expense management, allowing users to track expenses, create team cards, and manage cash flows effectively. By integrating seamlessly with existing accounting systems, Vergo helps designers, builders, and architects streamline their project finances, ultimately enhancing profit margins. The company's solutions aim to reduce manual tasks, thereby increasing efficiency and enabling construction professionals to focus on their core activities.

Petal Card, Inc. is a credit card company focused on providing financial access to individuals without traditional credit histories, such as students and immigrants. Founded in 2015 and based in New York, the company utilizes machine learning to analyze users' digital financial records, allowing for cash flow underwriting as an alternative to conventional credit scoring. This innovative approach enables Petal to offer higher credit limits and lower rates compared to competing credit cards. The company's flagship product, the Petal Visa, is designed to promote responsible spending and credit-building, accompanied by a user-friendly digital application for managing payments. Petal aims to make credit more honest, simple, and accessible, fostering a financial environment that encourages users to succeed.

Link provides merchants with an alternate, low-cost payment solution and enables shoppers to pay with bank accounts. Through the power of Open Banking, Link allow customers to complete subscription and repeat transactions with unprecedented ease.

Mondu specializes in developing B2B payment software aimed at simplifying financial transactions for small and medium-sized businesses (SMBs). The company offers a buy-now-pay-later platform that provides flexible payment options, including net terms and split payments. This solution alleviates the financial and operational challenges often faced by businesses, allowing B2B marketplaces and merchants to achieve sustained growth in their operations.

Portofino Technologies is a developer of financial infrastructure technology aimed at facilitating the adoption of digital assets. The company utilizes its proprietary market-making technology to engage in trading across centralized, decentralized, and over-the-counter digital asset markets. In addition to trading services, Portofino offers non-fungible token services and investments to Web3 companies, creating a comprehensive platform that supports various financial transactions in both centralized and decentralized environments. This integrated approach positions Portofino as a key player in the evolving landscape of digital finance.

MAJORITY is a fintech company that provides an app-based platform tailored for migrants seeking accessible financial services. For a monthly fee, members in the United States gain access to essential banking features, including an FDIC-secured account and a VISA debit card. The platform allows users to utilize over 55,000 ATMs across North America and offers services such as remittances, international calling, and mobile top-ups. Additionally, MAJORITY emphasizes community engagement by providing access to local meet-up spaces, discounts, and events, along with support from advisors fluent in various native languages. This comprehensive approach aims to address the unique financial needs of individuals who have crossed borders.

Mondu specializes in developing B2B payment software aimed at simplifying financial transactions for small and medium-sized businesses (SMBs). The company offers a buy-now-pay-later platform that provides flexible payment options, including net terms and split payments. This solution alleviates the financial and operational challenges often faced by businesses, allowing B2B marketplaces and merchants to achieve sustained growth in their operations.

Neo Financial is a FinTech company that offers an array of banking and financial services designed for efficient money management. It provides a secure platform for spending, saving, and earning rewards. Neo's credit card, issued by ATB Financial, operates on the Mastercard network, allowing users to make purchases easily. Additionally, the Neo Savings account, backed by Concentra Bank, offers competitive interest rates and is protected by deposit insurance. The company focuses on delivering a seamless experience with no monthly fees or minimum balance requirements, enabling users to manage their finances with greater flexibility and security.

Taxfix GmbH is a Berlin-based company founded in 2016 that specializes in digital tax assistance through its mobile application. The Taxfix platform simplifies tax declarations and returns, enabling users to claim unclaimed tax refunds efficiently. It features a smart, dynamic questionnaire and utilizes machine learning technology to automate user communication, ensuring compliance with various fiscal regulations across countries. Taxfix has established itself as a leading financial platform in Europe, with over 6 million tax returns submitted. The company offers a range of services, including a straightforward self-filing application and a guided service where independent tax advisors manage the entire tax return process for users. Through its innovative solutions, Taxfix aims to empower individuals to confidently navigate their finances.

Moss is a technology-based payment and credit card platform designed to help businesses optimize their financial management. The platform offers a corporate credit card with significantly higher spending limits, accommodating even the largest expenses. It provides both virtual and physical credit cards, allowing teams to spend securely and efficiently. Moss enables companies to set individual spending limits and access real-time data on expenditures by card, merchant, or team, ensuring effective cost control. Additionally, the Moss app facilitates the digitization of receipts, including cost center and VAT assignments. At the end of each month, all financial data and documents can be easily exported to various accounting software, streamlining the reconciliation process.

Novo is a digital banking platform designed for small business owners, entrepreneurs, and freelancers, offering enhanced business deposit accounts. It utilizes a network of FDIC-insured community banks to provide financial services tailored to the needs of today's companies. Founded in 2018 by Tyler McIntyre and Michael Rangel, Novo aims to simplify banking activities by integrating analytical and fraud notifications into its applications. Initially known as Novo Financial Corp., the company is headquartered in Miami, Florida.

Qonto is a digital bank specializing in financial services for small and medium-sized businesses, as well as freelancers. It simplifies business banking, making it efficient and transparent. The company offers digital bank accounts for sending and receiving payments, catering to various company types, legal forms, and team sizes. Qonto's platform also facilitates bookkeeping, budget management, and fund transfers via a mobile application and physical/virtual cards, eliminating paperwork.

Petal Card, Inc. is a credit card company focused on providing financial access to individuals without traditional credit histories, such as students and immigrants. Founded in 2015 and based in New York, the company utilizes machine learning to analyze users' digital financial records, allowing for cash flow underwriting as an alternative to conventional credit scoring. This innovative approach enables Petal to offer higher credit limits and lower rates compared to competing credit cards. The company's flagship product, the Petal Visa, is designed to promote responsible spending and credit-building, accompanied by a user-friendly digital application for managing payments. Petal aims to make credit more honest, simple, and accessible, fostering a financial environment that encourages users to succeed.

MAJORITY is a fintech company that provides an app-based platform tailored for migrants seeking accessible financial services. For a monthly fee, members in the United States gain access to essential banking features, including an FDIC-secured account and a VISA debit card. The platform allows users to utilize over 55,000 ATMs across North America and offers services such as remittances, international calling, and mobile top-ups. Additionally, MAJORITY emphasizes community engagement by providing access to local meet-up spaces, discounts, and events, along with support from advisors fluent in various native languages. This comprehensive approach aims to address the unique financial needs of individuals who have crossed borders.

Nearside is a financial services provider that focuses on small and medium-sized businesses (SMBs). The company specializes in offering lines of credit and business loans to entrepreneurs who may struggle to secure financing from traditional sources. Nearside aims to empower business owners by providing them with essential tools and support to facilitate their success, thereby enabling greater access to credit for its clients.

Simpl Technologies Private Limited, established in 2015 and headquartered in Mumbai, India, operates a leading online payments platform that enhances the e-commerce experience. The company has developed a market-leading Pay-Later platform, allowing merchants to offer consumers a seamless 1-click checkout experience and a line of credit at the point of sale. Simpl's innovative approach streamlines the payment process by using algorithms and payment engineering to consolidate transactions, enabling users to avoid repetitive payments. Additionally, the platform provides full buyer protection, ensuring secure monetary transactions between customers and merchants. Through its services, Simpl aims to simplify and automate the online payment experience for all parties involved.

Kafene is a mission-driven startup focused on empowering flexible ownership for consumers, particularly those who may face challenges with traditional financing options. The company offers flexible payment solutions for a range of products, including furniture, appliances, electronics, and jewelry, while minimizing the risks associated with conventional debt. Kafene's innovative approach allows consumers to return items without incurring additional debt if they can no longer meet payment obligations. This consumer-friendly model is supported by a robust technology platform that features app-based point-of-sale virtual wallets and AI-driven underwriting, facilitating swift payment processing and approval across diverse credit profiles. By combining advanced data inputs with machine learning technologies, Kafene positions itself as a comprehensive payment partner for both consumers and retailers.

Velocity is a prominent financial solution provider in India, specifically catering to digitally native businesses. Founded in 2020 by Abhiroop Medhekar, Atul Khichariya, and Saurav Swaroop, the company seeks to reshape the landscape of banking and financial services for modern enterprises. Velocity offers a diverse array of financial services, including term loans, revenue-based financing, overdrafts, and payment solutions. It distinguishes itself by providing funding options that do not require equity dilution or personal guarantees, allowing clients to repay loans as a fixed percentage of their future revenues. This innovative approach presents an alternative to traditional venture capital and standard loans, enabling businesses to access necessary funds while maintaining greater control over their financial obligations.

Bound is a fintech company that makes FX management easy for every business. The company was founded by Seth Phillips and Daniel Kindler in 2020.

Neo Financial is a FinTech company that offers an array of banking and financial services designed for efficient money management. It provides a secure platform for spending, saving, and earning rewards. Neo's credit card, issued by ATB Financial, operates on the Mastercard network, allowing users to make purchases easily. Additionally, the Neo Savings account, backed by Concentra Bank, offers competitive interest rates and is protected by deposit insurance. The company focuses on delivering a seamless experience with no monthly fees or minimum balance requirements, enabling users to manage their finances with greater flexibility and security.

Moss is a technology-based payment and credit card platform designed to help businesses optimize their financial management. The platform offers a corporate credit card with significantly higher spending limits, accommodating even the largest expenses. It provides both virtual and physical credit cards, allowing teams to spend securely and efficiently. Moss enables companies to set individual spending limits and access real-time data on expenditures by card, merchant, or team, ensuring effective cost control. Additionally, the Moss app facilitates the digitization of receipts, including cost center and VAT assignments. At the end of each month, all financial data and documents can be easily exported to various accounting software, streamlining the reconciliation process.

Kuda Technologies Ltd, established in 2018, is a digital banking service provider based in London, with an additional office in Lagos, Nigeria. The company offers a range of financial services, including savings and checking accounts, money transfers, debit cards, and point-to-point payments, all accessible through an online banking platform and a mobile application. Kuda's mission is to provide accessible and affordable banking services to Africans, with a focus on promoting financial health and savings.

Syfe is an investment and savings platform that empowers individuals to build their wealth through a comprehensive range of services. It offers fully managed portfolios, cash management solutions, and self-directed investment options, making it a unique all-in-one wealth management platform in the region. The company is fully licensed for fund management, financial advisory, and brokerage in Singapore, Hong Kong, and Australia. Syfe utilizes a proprietary algorithm to tailor portfolios for each client, optimizing returns while managing risk, thus providing customized and globally diversified investment strategies that align with individual risk profiles. The company has secured funding from notable investors, indicating strong market confidence in its innovative approach to wealth management.

MAJORITY is a fintech company that provides an app-based platform tailored for migrants seeking accessible financial services. For a monthly fee, members in the United States gain access to essential banking features, including an FDIC-secured account and a VISA debit card. The platform allows users to utilize over 55,000 ATMs across North America and offers services such as remittances, international calling, and mobile top-ups. Additionally, MAJORITY emphasizes community engagement by providing access to local meet-up spaces, discounts, and events, along with support from advisors fluent in various native languages. This comprehensive approach aims to address the unique financial needs of individuals who have crossed borders.

Novo is a digital banking platform designed for small business owners, entrepreneurs, and freelancers, offering enhanced business deposit accounts. It utilizes a network of FDIC-insured community banks to provide financial services tailored to the needs of today's companies. Founded in 2018 by Tyler McIntyre and Michael Rangel, Novo aims to simplify banking activities by integrating analytical and fraud notifications into its applications. Initially known as Novo Financial Corp., the company is headquartered in Miami, Florida.

BukuWarung is a technology company focused on providing digital infrastructure for the approximately 60 million micro, small, and medium enterprises (MSMEs) in Indonesia. The company offers a platform that enables users to efficiently manage their financial transactions by recording daily sales, income, and customer accounts payable. Its services include bookkeeping, sending bills through messaging applications, receiving digital payments, and generating daily business reports. By leveraging these tools, BukuWarung aims to empower MSMEs to enhance their financial awareness and business operations through technology.

Kafene is a mission-driven startup focused on empowering flexible ownership for consumers, particularly those who may face challenges with traditional financing options. The company offers flexible payment solutions for a range of products, including furniture, appliances, electronics, and jewelry, while minimizing the risks associated with conventional debt. Kafene's innovative approach allows consumers to return items without incurring additional debt if they can no longer meet payment obligations. This consumer-friendly model is supported by a robust technology platform that features app-based point-of-sale virtual wallets and AI-driven underwriting, facilitating swift payment processing and approval across diverse credit profiles. By combining advanced data inputs with machine learning technologies, Kafene positions itself as a comprehensive payment partner for both consumers and retailers.

Velocity is a prominent financial solution provider in India, specifically catering to digitally native businesses. Founded in 2020 by Abhiroop Medhekar, Atul Khichariya, and Saurav Swaroop, the company seeks to reshape the landscape of banking and financial services for modern enterprises. Velocity offers a diverse array of financial services, including term loans, revenue-based financing, overdrafts, and payment solutions. It distinguishes itself by providing funding options that do not require equity dilution or personal guarantees, allowing clients to repay loans as a fixed percentage of their future revenues. This innovative approach presents an alternative to traditional venture capital and standard loans, enabling businesses to access necessary funds while maintaining greater control over their financial obligations.

Kuda Technologies Ltd, established in 2018, is a digital banking service provider based in London, with an additional office in Lagos, Nigeria. The company offers a range of financial services, including savings and checking accounts, money transfers, debit cards, and point-to-point payments, all accessible through an online banking platform and a mobile application. Kuda's mission is to provide accessible and affordable banking services to Africans, with a focus on promoting financial health and savings.

BlockFi, Inc. is a financial services firm that specializes in providing wealth management products for cryptocurrency investors. Founded in 2017 and headquartered in New York, BlockFi offers various services, including interest-bearing accounts for Bitcoin, Ether, and Gemini Dollar, as well as USD loans secured by clients' crypto assets. The company allows clients to trade cryptocurrency pairs and provides tailored lending solutions for both individual and institutional clients. By facilitating liquidity for blockchain asset holders, BlockFi aims to enhance transparency and efficiency in digital financial markets. The organization employs a robust infrastructure that integrates with multiple blockchains, positioning itself to adapt and expand its product offerings in response to the evolving needs of its users.

Moss is a technology-based payment and credit card platform designed to help businesses optimize their financial management. The platform offers a corporate credit card with significantly higher spending limits, accommodating even the largest expenses. It provides both virtual and physical credit cards, allowing teams to spend securely and efficiently. Moss enables companies to set individual spending limits and access real-time data on expenditures by card, merchant, or team, ensuring effective cost control. Additionally, the Moss app facilitates the digitization of receipts, including cost center and VAT assignments. At the end of each month, all financial data and documents can be easily exported to various accounting software, streamlining the reconciliation process.

TaxBit is a cryptocurrency tax and accounting software company that automates tax calculations and reporting for cryptocurrency transactions. Its platform allows users to link their exchanges and wallets to efficiently gather transaction data, which is then processed to generate tax forms automatically. In addition to tax automation, TaxBit offers real-time portfolio tracking and insights for tax optimization, enabling users to make informed, tax-efficient trading decisions throughout the year. The company serves both individual consumers and enterprises, providing a comprehensive solution for managing cryptocurrency tax compliance and accounting needs.

Neo Financial is a FinTech company that offers an array of banking and financial services designed for efficient money management. It provides a secure platform for spending, saving, and earning rewards. Neo's credit card, issued by ATB Financial, operates on the Mastercard network, allowing users to make purchases easily. Additionally, the Neo Savings account, backed by Concentra Bank, offers competitive interest rates and is protected by deposit insurance. The company focuses on delivering a seamless experience with no monthly fees or minimum balance requirements, enabling users to manage their finances with greater flexibility and security.

Syfe is an investment and savings platform that empowers individuals to build their wealth through a comprehensive range of services. It offers fully managed portfolios, cash management solutions, and self-directed investment options, making it a unique all-in-one wealth management platform in the region. The company is fully licensed for fund management, financial advisory, and brokerage in Singapore, Hong Kong, and Australia. Syfe utilizes a proprietary algorithm to tailor portfolios for each client, optimizing returns while managing risk, thus providing customized and globally diversified investment strategies that align with individual risk profiles. The company has secured funding from notable investors, indicating strong market confidence in its innovative approach to wealth management.

BlockFi, Inc. is a financial services firm that specializes in providing wealth management products for cryptocurrency investors. Founded in 2017 and headquartered in New York, BlockFi offers various services, including interest-bearing accounts for Bitcoin, Ether, and Gemini Dollar, as well as USD loans secured by clients' crypto assets. The company allows clients to trade cryptocurrency pairs and provides tailored lending solutions for both individual and institutional clients. By facilitating liquidity for blockchain asset holders, BlockFi aims to enhance transparency and efficiency in digital financial markets. The organization employs a robust infrastructure that integrates with multiple blockchains, positioning itself to adapt and expand its product offerings in response to the evolving needs of its users.

Taxfix GmbH is a Berlin-based company founded in 2016 that specializes in digital tax assistance through its mobile application. The Taxfix platform simplifies tax declarations and returns, enabling users to claim unclaimed tax refunds efficiently. It features a smart, dynamic questionnaire and utilizes machine learning technology to automate user communication, ensuring compliance with various fiscal regulations across countries. Taxfix has established itself as a leading financial platform in Europe, with over 6 million tax returns submitted. The company offers a range of services, including a straightforward self-filing application and a guided service where independent tax advisors manage the entire tax return process for users. Through its innovative solutions, Taxfix aims to empower individuals to confidently navigate their finances.

Petal Card, Inc. is a credit card company focused on providing financial access to individuals without traditional credit histories, such as students and immigrants. Founded in 2015 and based in New York, the company utilizes machine learning to analyze users' digital financial records, allowing for cash flow underwriting as an alternative to conventional credit scoring. This innovative approach enables Petal to offer higher credit limits and lower rates compared to competing credit cards. The company's flagship product, the Petal Visa, is designed to promote responsible spending and credit-building, accompanied by a user-friendly digital application for managing payments. Petal aims to make credit more honest, simple, and accessible, fostering a financial environment that encourages users to succeed.

BlockFi, Inc. is a financial services firm that specializes in providing wealth management products for cryptocurrency investors. Founded in 2017 and headquartered in New York, BlockFi offers various services, including interest-bearing accounts for Bitcoin, Ether, and Gemini Dollar, as well as USD loans secured by clients' crypto assets. The company allows clients to trade cryptocurrency pairs and provides tailored lending solutions for both individual and institutional clients. By facilitating liquidity for blockchain asset holders, BlockFi aims to enhance transparency and efficiency in digital financial markets. The organization employs a robust infrastructure that integrates with multiple blockchains, positioning itself to adapt and expand its product offerings in response to the evolving needs of its users.

Qonto is a digital bank specializing in financial services for small and medium-sized businesses, as well as freelancers. It simplifies business banking, making it efficient and transparent. The company offers digital bank accounts for sending and receiving payments, catering to various company types, legal forms, and team sizes. Qonto's platform also facilitates bookkeeping, budget management, and fund transfers via a mobile application and physical/virtual cards, eliminating paperwork.

TaxBit is a cryptocurrency tax and accounting software company that automates tax calculations and reporting for cryptocurrency transactions. Its platform allows users to link their exchanges and wallets to efficiently gather transaction data, which is then processed to generate tax forms automatically. In addition to tax automation, TaxBit offers real-time portfolio tracking and insights for tax optimization, enabling users to make informed, tax-efficient trading decisions throughout the year. The company serves both individual consumers and enterprises, providing a comprehensive solution for managing cryptocurrency tax compliance and accounting needs.

Starship is a financial technology company based in New York City, established in 2016. It focuses on creating a mobile health savings account (HSA) platform that integrates savings, investing, and health-tracking tools. The application allows users to conveniently manage their health savings through automated investing in index funds, streamlined reimbursements, and a user-friendly mobile interface. Additionally, it offers features such as receipt management, card management, and family account oversight, facilitating tax-free healthcare expenses and promoting financial wellness. Starship aims to simplify the process of saving and investing for healthcare needs, making it accessible and efficient for users.

BlockFi, Inc. is a financial services firm that specializes in providing wealth management products for cryptocurrency investors. Founded in 2017 and headquartered in New York, BlockFi offers various services, including interest-bearing accounts for Bitcoin, Ether, and Gemini Dollar, as well as USD loans secured by clients' crypto assets. The company allows clients to trade cryptocurrency pairs and provides tailored lending solutions for both individual and institutional clients. By facilitating liquidity for blockchain asset holders, BlockFi aims to enhance transparency and efficiency in digital financial markets. The organization employs a robust infrastructure that integrates with multiple blockchains, positioning itself to adapt and expand its product offerings in response to the evolving needs of its users.

Kafene is a mission-driven startup focused on empowering flexible ownership for consumers, particularly those who may face challenges with traditional financing options. The company offers flexible payment solutions for a range of products, including furniture, appliances, electronics, and jewelry, while minimizing the risks associated with conventional debt. Kafene's innovative approach allows consumers to return items without incurring additional debt if they can no longer meet payment obligations. This consumer-friendly model is supported by a robust technology platform that features app-based point-of-sale virtual wallets and AI-driven underwriting, facilitating swift payment processing and approval across diverse credit profiles. By combining advanced data inputs with machine learning technologies, Kafene positions itself as a comprehensive payment partner for both consumers and retailers.

Taxfix GmbH is a Berlin-based company founded in 2016 that specializes in digital tax assistance through its mobile application. The Taxfix platform simplifies tax declarations and returns, enabling users to claim unclaimed tax refunds efficiently. It features a smart, dynamic questionnaire and utilizes machine learning technology to automate user communication, ensuring compliance with various fiscal regulations across countries. Taxfix has established itself as a leading financial platform in Europe, with over 6 million tax returns submitted. The company offers a range of services, including a straightforward self-filing application and a guided service where independent tax advisors manage the entire tax return process for users. Through its innovative solutions, Taxfix aims to empower individuals to confidently navigate their finances.

Stash develops a personal finance application to combine banking, investing, and advice into one platform. Its application's services include personal investment accounts, retirement accounts, and custodial accounts for minors. It also provides the option to buy fractional shares of stocks, bonds, and funds with no add-on trading commissions to help users save small sums of money and make micro-investments.

Petal Card, Inc. is a credit card company focused on providing financial access to individuals without traditional credit histories, such as students and immigrants. Founded in 2015 and based in New York, the company utilizes machine learning to analyze users' digital financial records, allowing for cash flow underwriting as an alternative to conventional credit scoring. This innovative approach enables Petal to offer higher credit limits and lower rates compared to competing credit cards. The company's flagship product, the Petal Visa, is designed to promote responsible spending and credit-building, accompanied by a user-friendly digital application for managing payments. Petal aims to make credit more honest, simple, and accessible, fostering a financial environment that encourages users to succeed.

Qonto is a digital bank specializing in financial services for small and medium-sized businesses, as well as freelancers. It simplifies business banking, making it efficient and transparent. The company offers digital bank accounts for sending and receiving payments, catering to various company types, legal forms, and team sizes. Qonto's platform also facilitates bookkeeping, budget management, and fund transfers via a mobile application and physical/virtual cards, eliminating paperwork.

Taxfix GmbH is a Berlin-based company founded in 2016 that specializes in digital tax assistance through its mobile application. The Taxfix platform simplifies tax declarations and returns, enabling users to claim unclaimed tax refunds efficiently. It features a smart, dynamic questionnaire and utilizes machine learning technology to automate user communication, ensuring compliance with various fiscal regulations across countries. Taxfix has established itself as a leading financial platform in Europe, with over 6 million tax returns submitted. The company offers a range of services, including a straightforward self-filing application and a guided service where independent tax advisors manage the entire tax return process for users. Through its innovative solutions, Taxfix aims to empower individuals to confidently navigate their finances.

LoanStreet Inc. operates an integrated online platform that simplifies the sharing, managing, and originating of loans for credit unions, banks, and direct lenders. Founded in 2013 and based in New York, the company provides a marketplace that facilitates the efficient syndication of loans of any size. LoanStreet automates and standardizes the entire loan process, allowing lenders and investors to buy, sell, and manage loans directly through its platform. The service includes features such as real-time reporting, standardized agreements, and enhanced balance sheet management, which help users optimize capital and reduce administrative costs. By offering deep insights into loan distribution and performance, LoanStreet enables financial institutions to grow and diversify their portfolios effectively.

Stash develops a personal finance application to combine banking, investing, and advice into one platform. Its application's services include personal investment accounts, retirement accounts, and custodial accounts for minors. It also provides the option to buy fractional shares of stocks, bonds, and funds with no add-on trading commissions to help users save small sums of money and make micro-investments.

Petal Card, Inc. is a credit card company focused on providing financial access to individuals without traditional credit histories, such as students and immigrants. Founded in 2015 and based in New York, the company utilizes machine learning to analyze users' digital financial records, allowing for cash flow underwriting as an alternative to conventional credit scoring. This innovative approach enables Petal to offer higher credit limits and lower rates compared to competing credit cards. The company's flagship product, the Petal Visa, is designed to promote responsible spending and credit-building, accompanied by a user-friendly digital application for managing payments. Petal aims to make credit more honest, simple, and accessible, fostering a financial environment that encourages users to succeed.

Stash develops a personal finance application to combine banking, investing, and advice into one platform. Its application's services include personal investment accounts, retirement accounts, and custodial accounts for minors. It also provides the option to buy fractional shares of stocks, bonds, and funds with no add-on trading commissions to help users save small sums of money and make micro-investments.

Qonto is a digital bank specializing in financial services for small and medium-sized businesses, as well as freelancers. It simplifies business banking, making it efficient and transparent. The company offers digital bank accounts for sending and receiving payments, catering to various company types, legal forms, and team sizes. Qonto's platform also facilitates bookkeeping, budget management, and fund transfers via a mobile application and physical/virtual cards, eliminating paperwork.

TradeIT is a New York-based startup focused on enhancing the trading experience for investors through its innovative online trading integration platform. The company aims to empower consumers to become more engaged investors by allowing them to place orders seamlessly with their existing online brokerage accounts from any website or mobile device. TradeIT's technology, developed by a team of financial technology experts, is designed to be easily integrated into various applications, websites, and advertising units, providing a multi-broker experience in the trading ecosystem. The platform prioritizes security and compliance, ensuring that online traders can execute transactions safely and efficiently. With its patent-pending technology, TradeIT is positioned to transform how users interact with their trading activities.

Qonto is a digital bank specializing in financial services for small and medium-sized businesses, as well as freelancers. It simplifies business banking, making it efficient and transparent. The company offers digital bank accounts for sending and receiving payments, catering to various company types, legal forms, and team sizes. Qonto's platform also facilitates bookkeeping, budget management, and fund transfers via a mobile application and physical/virtual cards, eliminating paperwork.

Petal Card, Inc. is a credit card company focused on providing financial access to individuals without traditional credit histories, such as students and immigrants. Founded in 2015 and based in New York, the company utilizes machine learning to analyze users' digital financial records, allowing for cash flow underwriting as an alternative to conventional credit scoring. This innovative approach enables Petal to offer higher credit limits and lower rates compared to competing credit cards. The company's flagship product, the Petal Visa, is designed to promote responsible spending and credit-building, accompanied by a user-friendly digital application for managing payments. Petal aims to make credit more honest, simple, and accessible, fostering a financial environment that encourages users to succeed.

Stash develops a personal finance application to combine banking, investing, and advice into one platform. Its application's services include personal investment accounts, retirement accounts, and custodial accounts for minors. It also provides the option to buy fractional shares of stocks, bonds, and funds with no add-on trading commissions to help users save small sums of money and make micro-investments.

Stash develops a personal finance application to combine banking, investing, and advice into one platform. Its application's services include personal investment accounts, retirement accounts, and custodial accounts for minors. It also provides the option to buy fractional shares of stocks, bonds, and funds with no add-on trading commissions to help users save small sums of money and make micro-investments.

Deposit Solutions GmbH, founded in 2011 and based in Hamburg, Germany, specializes in developing an open banking platform that connects banks and depositors across Europe. The company's innovative platform allows banks to offer third-party deposit products to their customers through existing accounts. This enables depositors to access competitive deposit offers without needing to open new accounts at different banks. By facilitating this connection, Deposit Solutions helps banks attract deposits from new markets and client groups, allowing them to enhance their funding options without the need to establish and manage their own retail infrastructure.

Stash develops a personal finance application to combine banking, investing, and advice into one platform. Its application's services include personal investment accounts, retirement accounts, and custodial accounts for minors. It also provides the option to buy fractional shares of stocks, bonds, and funds with no add-on trading commissions to help users save small sums of money and make micro-investments.

TradeIT is a New York-based startup focused on enhancing the trading experience for investors through its innovative online trading integration platform. The company aims to empower consumers to become more engaged investors by allowing them to place orders seamlessly with their existing online brokerage accounts from any website or mobile device. TradeIT's technology, developed by a team of financial technology experts, is designed to be easily integrated into various applications, websites, and advertising units, providing a multi-broker experience in the trading ecosystem. The platform prioritizes security and compliance, ensuring that online traders can execute transactions safely and efficiently. With its patent-pending technology, TradeIT is positioned to transform how users interact with their trading activities.

ContaAzul is a Brazilian easy-to-use online platform for small businesses that helps to organize financial routines in one place by connecting the company to accountancy, banks, stock, electronic invoicing, and much more. ContaAzul is committed to the success of the small entrepreneurs so it guarantees the delivery of a rich and instructional material aiding in education. ContaAzul was founded on 2012 and is headquartered in Joinville, Brazil.

Wise provides a core money transfer product, along with a borderless account for its audience of ex-pats, freelancers, and travelers, which holds over £2 billion in current deposits. The company features like automated identification verification, online and in-app technical assistance, and estimations of when money transfers will arrive, products and services that meet the needs of clients. Wise was established in 2011 by Kristo Kaarmann and Taavet Hinrikus in London, England.

Wise provides a core money transfer product, along with a borderless account for its audience of ex-pats, freelancers, and travelers, which holds over £2 billion in current deposits. The company features like automated identification verification, online and in-app technical assistance, and estimations of when money transfers will arrive, products and services that meet the needs of clients. Wise was established in 2011 by Kristo Kaarmann and Taavet Hinrikus in London, England.

ContaAzul is a Brazilian easy-to-use online platform for small businesses that helps to organize financial routines in one place by connecting the company to accountancy, banks, stock, electronic invoicing, and much more. ContaAzul is committed to the success of the small entrepreneurs so it guarantees the delivery of a rich and instructional material aiding in education. ContaAzul was founded on 2012 and is headquartered in Joinville, Brazil.

Wise provides a core money transfer product, along with a borderless account for its audience of ex-pats, freelancers, and travelers, which holds over £2 billion in current deposits. The company features like automated identification verification, online and in-app technical assistance, and estimations of when money transfers will arrive, products and services that meet the needs of clients. Wise was established in 2011 by Kristo Kaarmann and Taavet Hinrikus in London, England.