Top FinTech Companies 2023 | Powderkeg
Top FinTech Companies 2023

Top FinTech Companies

Tech companies are reshaping the finance industry in 2023 with digital payments, blockchain, and AI-driven services, democratizing access and fostering financial inclusion globally.

Keep reading to learn who’s hiring, who’s trending, expert insights from executives in the FinTech industry, and more.

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Top FinTech Companies 2023

Best Companies in FinTech 2023

This year’s Top FinTech Companies were selected based on data given by employees and leadership for their company profile on Powderkeg, supplemented with publicly available third-party data.
AcreTrader
Fayetteville - AcreTrader is an agricultural real estate investing platform that helps buyers to buy shares of farmland through an online platform. AcreTrader provides transparency, flexibility, and ease of use to people wanting to invest in farmland while handling all aspects of administration and property management, from insurance and accounting to working with local farmers and improving soil sustainability. The company was founded in 2018 and headquartered in Fayetteville, Arkansas.
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Alto Solutions
Nashville - Alto Solutions delivers an easy-to-use, automated process for investing in alternatives with IRA savings. It aims to democratize alternative asset investing. AltoIRA offers an easy-to-use investing platform that empowers everyday investors to diversify their IRAs by investing in alternative assets such as private equity, venture capital, real estate, loans, and cryptocurrency. Offering Traditional, Roth, SEP, and Crypto IRAs, Alto is bringing alternative investments to the mainstream. Everyday investors can now easily and cost-effectively access their retirement savings to invest in assets once reserved solely for high-net-worth individuals. It was founded in 2016 and is headquartered in Nashville, Tennessee.
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Ameriprise Financial
Minneapolis - Ameriprise Financial Services is a company that provides businesses and individuals with financial advisement and planning services.
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Asa Technologies, Corporation
ASA is a platform that allows exponential growth in bank/tech partnerships
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Avant
Chicago - Avant operates an online marketplace that provides users with access to personal loans to consolidate debt, pay unexpected medical expenses, and for family vacations. Through the use of big data and machine-learning algorithms, the company offers a customized approach to streamline credit options. The company caters to consumers in the United States and the United Kingdom. Headquartered in Chicago, Illinois, Avant was founded in November 2012.
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Baird
Milwaukee - Baird is an employee-owned wealth management, capital markets, asset management and private equity firm on a mission to provide the best financial advice and service to their clients and be the best place to work for our associates. With offices and operating affiliates in the United States, Europe and Asia, thwy’re dedicated to providing the best investment advice and service to their individual, institutional, corporate and municipal clients.
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Better Mortgage
New York - Founded in 2016, Better.com democratized the home-financing ecosystem, replacing it with a digitized process that eliminates commissions, fees, unnecessary steps, and time-wasting branch appointments. In addition to providing mortgage rates in seconds, Better.com’s platform offers a digital marketplace featuring competitive quotes from an array of insurance providers for seamless purchase of a homeowner's insurance policy and instant access to leading real estate agents across the country. To date, Better.com has done $7.9B in home loans and $1B in insurance.
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BillGO
Fort Collins - Consumers today struggle with a decentralized bill pay system that forces them to keep track of their bills and expenses. This has impacted both the consumer’s ability to achieve financial wellness and banks’ capacity to build engaging customer relationships. BillGO is a fintech trailblazer, offering an all-in-one bill management and payments platform that harnesses the power of speed, choice and intelligence to deliver modern bill payment solutions to financial institutions (FIs), fintechs, billers and consumers. Whether consumers access our technology directly or through their preferred financial services provider, BillGO’s platform enables them to pay their bills when and how they want, which can empower them to better meet their financial obligations, save money and improve their financial well-being.
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BitPay
Atlanta - BitPay provides enterprise-grade bitcoin payment solutions for businesses and organizations. It offers RESTful API, a bitcoin paymet gateway API; and native payment protocol support, signed payment request, direct payment communication, and BIP 73 support solutions. BitPay also provides Copay, a bitcoin wallet solution with Intel hardware security integration that allows users with hardware-level protection, including private key generation, transaction signing, and private keys. It has a strategic processing relationship with Aliant Payment Systems, Inc. Anthony Gallippi and Stephen Pair founded BitPay on May 1, 2011. It has its headquarters in Atlanta in Georgia.
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Blackstone Inc
New York - Blackstone is an investment and advisory firm that strives to provide solutions that create lasting value for their investors, the companies in which they invest, and society at large. The firm was founded in 1985 by Stephen A. Schwarzman, their Chairman and Chief Executive Officer, and Peter G. Peterson, who retired as Senior Chairman in 2008. They began with a modest balance sheet of $400,000 but with a wealth of entrepreneurial ideas about creating a world-class investment and advisory business built on a foundation of uncompromising commitment to excellence. Their vision was to create a firm that put clients’ needs first, that was independent and conflict-free, adhered to the highest ethical standards, and sought to create long-term value for all stakeholders. Today, they are a firm of nearly 1,800 employees in 24 offices worldwide. But they are more than that. Their portfolio companies employ over 730,000 people across the globe, making us a major factor in economies around the world. In June of 2007, Blackstone completed its initial public offering and is listed on the New York Stock Exchange under the ticker symbol BX.
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BlockFi
Jersey City - BlockFi is a secured non-bank lender that offers USD loans to crypto-asset owners who collateralize the loan with their crypto-assets. Their products bring additional liquidity to the blockchain asset sector and meet the needs of both individuals and institutions holding blockchain assets. BlockFi holds clients' Bitcoin and Ether with a registered custodian and issues loans in USD to their bank accounts. Currently operating in beta launch, lending in 35 US states to retail investors and companies. BlockFi’s mission is to provide liquidity, transparency, and efficiency to digital financial markets by creating products that meet the needs of consumers and corporations across the globe. They leveraging a sophisticated infrastructure that integrates with multiple blockchains, they plan to expand their product set based on their retail and institutional client's needs.
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Boom
Boom provides financial solutions to produce credit and rent payments.
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Braintree
Chicago - Braintree's payment platform provides all the tools online and mobile businesses need to accept payments. Providing the global commerce tools people need to build and grow businesses, Braintree’s global platform powers payments for thousands of online and mobile commerce innovators including Airbnb, Uber, GitHub, Facebook and Pinterest. Merchants in more than 40 countries across North America, Europe, Asia, and Australia can accept, split, and enable payments in more than 130 currencies. Braintree’s SDK powers PayPal, including PayPal One Touch™, Venmo, Apple Pay, Android Pay, credit/debit cards, and Bitcoin across any device. Braintree was acquired by PayPal in 2013.
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Branch
Minneapolis - Branch helps businesses accelerate payments to empower working Americans. Businesses turn to Branch for a more cost-effective, faster way to pay workers and reduce the costs of paper checks and paycards. Employees and independent contractors that sign up with Branch can receive a zero-fee bank account, free instant access to earned wages, and personal finance tools to help them manage their cash flow between paychecks. Branch partners with some of the nation’s leading payroll and workforce technologies to support employers in retail, restaurant, logistics, manufacturing, and healthcare. To learn more about Branch, visit http://www.branchapp.com and follow us on Twitter, Facebook, and LinkedIn.
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Braviant Holdings
Chicago - Braviant Holdings is a Chicago-based fintech company that uses advanced analytics and proprietary technology to make smarter lending decisions. Our products transform how people access credit online by streamlining the borrowing process and creating a path to a better financial future.
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Breeze
Breeze is an InsurTech that provides online platform for consumers to quote and apply for income protection products.
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Brex
Draper - Brex is all-in-one finance for growing businesses. It helps companies spend, save, and earn smarter—and take every dollar further—by doing more than a bank, bookkeeping, or reward program could ever do alone. After completing the Y Combinator accelerator program in 2017, Brex has grown to over 600 employees and raised over US$940 million in venture capital.
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Brightside
London - Brightside is a charity that helps young people access the education and career pathways they might not have believed were available to them. They want to make sure that it’s talent, not background, that determines the education opportunities and careers that are available to young people.
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Buckle
Jersey City - Buckle is a full-stack insurance and credit platform that partners with Transportation Network Companies (TNCs) to provide financial products and services to support the gig economy, made up of 55 million Americans and growing.Through its program management strategy, working with its TNC and reinsurance partners, Buckle divides the US$15 billion gig-economy insurance market into different segments of drivers and fleet operators. Buckle’s current gig economy programs include its signature hybrid auto product, taxi, limo and nonstandard auto (NSA). The general theme of all these programs is that they help supply drivers and vehicles to various TNCs (such as Uber, Lyft, Doordash and GoPuff), forego the current credit score methodology heavily used by traditional financial institutions, and are powered by Buckle’s technology and data throughout the insurance and credit value chains.
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Center
Center is a complete corporate credit card and real-time expense management solution.
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Chaiz
Chaiz is the first marketplace for extended car warranties – empowering consumers to compare & buy protection online with just a few clicks.
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CHEQ
CHEQ is a social payments platform that provides POS services, mobile orders, and peer to peer payments.
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Chetu
Sunrise - Founded in 2000, Chetu is a global provider of customized software development solutions combining technological expertise, specific domain experience and passion for excellence to deliver enterprise-grade solutions to start-ups, SMBs and fortune 5000 companies. Chetu is a true and seamless backend technology partner, helping businesses accelerate the development of desktop, mobile & web-based apps with on-demand developers. Headquartered in Plantation, Florida, Chetu has fourteen locations throughout the U.S. and abroad. For more information visit: https://www.chetu.com.
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ClassWallet
ClassWallet provides a web-based spend management tool for the public sector.
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Constrafor
Constrafor is a construction procurement company that offers financing and software for general contractors.
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Convey
Hyderabad - Convey is a platform to learn Finance and Investment. We help people to gain knowledge about the stock market investments. We have garnered 1.5 million followers.
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Crowdz
Auto Risk Rate Assets
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Crypto.com
Crypto.com is a payment and cryptocurrency platform that empowers users to buy, sell, and pay with crypto. The platform enables users to control their money, data, and identity. It serves over 10 million customers, with the growing crypto app, along with the Crypto.com Visa Card, a crypto card, the Crypto.com Exchange, and Crypto.com DeFi Wallet. It also offers a powerful alternative to traditional financial services. Crypto.com was founded in 2016 by Bobby Bao, Gary Or, Kris Marszalek, and Rafael Melo in Sai Wan, Hong Kong Island, Hong Kong.
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Decimal
Decimal solves accounting operations for SMBs
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Denim
Denim is a financial platform specializing in freight broker operations.
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Divvy
Draper - Divvy software gives users complete control and real-time visibility into company spending while eliminating the hassle of expense reports. Divvy is a secure financial platform for businesses to manage payments and subscriptions, build strategic budgets, and eliminate expense reports. By integrating real-time tracking for every business transaction, Divvy provides organizations with instant insight into their spend. With Divvy, you can make informed cash flow decisions, curb losses before they happen, and never have to save a receipt again. The company was founded in 2016 and is based in Lehi, Utah.
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Doriot
Bloomington - In a world where unicorns exist and incubators hatch startups, the elite play a risky, but lucrative game: startup investing. The vast majority of people are left out, lacking the access and education to play and win. Cue: Doriot. Named after the father of venture capital, Doriot is an educational company focused on empowering the next wave of entrepreneurs and investors with innovative, educational tools that make startup investing simple.
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Earnest
San Francisco - Earnest was built on the principle that getting a loan shouldn’t be difficult for financially responsible people. Earnest offers student loan refinancing and personal loan. It uses its unrivaled technology to consider more than just a credit score; it looks at thousands of data points such as education, saving patterns, investments, and career trajectory. Customers apply online and can manage their account payment preferences with the online dashboard and mobile app. Earnest was founded in 2013, by Louis Beryl and Ben Hutchinson, and had its official launch in early 2014. Earnest raised several rounds of funding from investors including Andreessen Horowitz, Maveron, Battery Ventures, Atlas Ventures, and several others. In 2017, Earnest was acquired by Navient Corp. Navient maintains Earnest as a separate brand while allowing Earnest to be backed by a larger company. Earnest has grown from distributing $8M loans in its first year of business to distributing nearly $2B in student loans and having a roughly $500M loan portfolio in 2017. Earnest has been included in Fast Company’s World’s 50 Most Innovative Companies list. The company lends across the United States in 45 states and the District of Columbia. In August 2017, it was announced that Earnest would open a second office in Salt Lake City, Utah.
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Eko
Eko enables banks and credit unions to offer a digital investment solution without them having to build anything or hire anyone
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Finix
San Francisco - Finix Payments is a payment infrastructure platform that gives businesses an alternate way to own, manage, and monetize their entire payments experience without the headaches or expenses associated with building an in-house system from scratch. Payments are the lifeblood of every business, and it is critical to company revenue and customer experience that companies get the underlying technology right. Through its Visa partnership, Finix also facilitates real-time push-to-card payments. The company was founded in 2015 and is headquartered in San Francisco, California.
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Finli
Finli is a payment management system helping service businesses get paid timely, easily and affordably.
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Finpilot
Finpilot uses artificial intelligence to explore publicly available corporate files and respond to research requests in natural language.
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FinTron, Inc.
FinTech company focused on improving the personal financial well-being of consumers.
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Flashtract
Flashtract is software for construction billing automation.
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Forecastr
Forecastr is online software that helps founders forecast revenue, predict runway, understand their numbers & get funded
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Fuspay Technology Inc.
Fuspay offers robust payment interoperability for wallet services providers
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GlossGenius
GlossGenius is a vertical SaaS platform for small business owners across the salon and studio space.
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Grifin
Grifin is a mobile app that lets you buy stock where you shop!
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Humanitru
Humanitru is a donor engagement software for nonprofits.
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Intrepid Finance Co.
Fishers - Intrepids technology driven solution enables growing companies by providing Non-Dilutive Growth Capital that helps capital constrained companies realize their fullest potential- allowing founders to focus on what they do best, building their business.
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Jetpack Workflow
Pittsburgh - At Jetpack Workflow, they believe in making even the most complicated features simple and accessible for companies of all sizes. So they not only offer in demand features like custom recurrence and client duplication, they also make them incredibly easy to use.
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Kabbage
Atlanta - Kabbage, an American Express company, has innovated a data and technology platform to provide small businesses automated cash flow solutions, including business checking accounts, online payments, business insights and its online lending platform which allows small businesses to quickly access ongoing lines of credit up to $250,000. Kabbage uses real-time data and automation to provide an integrated suite of financial tools empowering small businesses to spend less time on their books and more time on building thriving businesses. To date, Kabbage has provided more than 500,000 small businesses access to over $16 billion of working capital. Twitter: http://twitter.com/kabbageinc Facebook: http://www.facebook.com/KabbageInc Instagram: https://www.instagram.com/kabbageinc/ Learn more about Kabbage: https://www.kabbage.com/why-kabbage
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Liquid
Liquid is a global vendor and freelancer payments platform providing agile SMBs consolidated payments, automation and business controls.
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LISNR
Oakland - LISNR® powers transactions across the customer journey globally with the most advanced Ultrasonic Data Platform. Today, companies like Jaguar Land Rover, Ticketmaster, and Visa use this solution to create secure & frictionless moments for consumers around the world. Founded in 2012, LISNR is located in Oakland, CA and Cincinnati, OH. Major investors include Intel, Jump Capital, Mercury Fund, R/GA, and Synchrony Financial.
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LoanWell
LoanWell is an automated loan and grant origination platform with end-to-end functionality for intake, underwriting, closing, servicing, and reporting. We are an enterprise solution for community banks, credit unions, CDFIs and loan funds. LoanWell automates the back office so the community lenders can do what they do best — fund our local small businesses and economies.
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LunarCrush
LunarCrush is a cryptocurrency intelligence platform that unites social media financial insights with digital currency investing.
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M1 Finance
Chicago - M1 Finance is The Finance Super AppTM that helps people manage and grow their money with control and automation – for free. With over $4 billion in assets under management, M1 has empowered hundreds of thousands of investors to open accounts and improve their financial well-being through investing, digital checking, and lines of credit.
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Mercury
San Francisco - Mercury Technologies is a technology-enabled company that provides banking services to small and medium-sized businesses. The company services provide bank accounts designed specifically for startups, combining FDIC-insured checking and savings accounts with tech tools. Immad Akhund, Max Tagher, and Jason Zhang founded the company.
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Mosaic.tech
Mosaic.tech is a finance platform that provides predictive reporting capabilities to assist with financial strategy and planning.
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Mudrex
Mudrex is a cryptocurrency company that specializes in autopilot smart crypto investment.
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Notarize
Boston - Notarize is a digital trust provider - a platform that integrates technology with live human interaction to establish identities. Notarize offers digital identity proofing and authentication services, including a market-leading notary public platform to allow any person or organization to get their documents notarized online, 24/7. Notarize's mission is to help people execute the most important transactions of their lives and make notarizations more convenient, secure, authenticated, integrity-preserving, and non-repudiable. Notarize's goal is trust in a digital age through protected online services and transactions. Notarize's electronic notary public service is offered to customers via iOS, Android, and the Web. Pat Kinsel founded the company as 16 Pins in May 2015. Notarize is headquartered in Boston, Massachusetts but the company operates as fully-remote as of 2020.
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Novo
Novo provides a digital banking platform for small business owners, entrepreneurs, and freelancers.
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Ntropy Network
San Francisco - Ntropy provides a layer of abstraction that allows extracting granular information from financial data.
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OfColor
OfColor develops a financial wellness platform centered around employees of color.
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Onyx Private
Onyx is a modern private bank for the new generation
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Paerpay
Paerpay helps merchants accept contactless payments without the hassle of changing point-of-sales systems.
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Paro
Chicago - Flexible finance solutions to rewrite your business outlook.
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Pave
Credit risk teams use Pave to identify healthy borrowers, optimize credit limits, and improve collections outcomes.
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Paymentus
Redmond - Paymentus provides a payment network that allows consumers to pay billing companies in real-time via any funding method. It offers a cloud-resident, tier 1 PCI-compliant solution. The company also provides solutions for revenue management, customer self-service, communication management, and electronic bill presentment. It serves the utilities, municipality, healthcare, insurance, and financial services industries.
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Payrix
Atlanta - Payrix is a passionate team of payments and software experts who provide vertical software companies with an all-in-one platform — and a white-glove approach — to capitalize on the opportunities within embedded payments for growth, innovation, and transformation. Led by forward-thinkers from PayPal, Worldpay, Elavon, Chase Paymentech and more, Payrix is committed to delivering to its clients more freedom and peace of mind with a proven solution that helps eliminate friction, unleash their possibilities with new revenue, and make their customers’ lives easier. Payrix is a privately-held company headquartered in Atlanta, GA and is backed by Providence Strategic Growth and Blue Star Innovation Partners. Unleash your possibilities at payrix.com.
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Persolvent
We make life easier through innovation and technology.
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Polygon.io
Atlanta - Polygon supplies companies & developers with market data for stocks, currencies, forex, and crypto. We provide easy to use APIs to help you build the future of fintech. Powered by Open Source technology.
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Ramp
New York - Ramp is a technology company that develops corporate cards designed to save businesses money. The company is redesigning how corporate spending should be managed from the ground up to save time, money, and ensure control. It provides companies higher card limits, insightful saving opportunities, automated expense management, lightning-fast receipt matching, seamless accounting integration, and more. The company was founded by the same team that built, scaled, and sold Paribus to Capital One, spearheading Capital One’s push into saving technologies. Their group at Capital One enabled automated savings on online purchases, and put over $100 million back in consumers' pockets. Ramp is committed to providing that same value and savings to businesses.
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Relay Platform
Toronto - Relay is the only single-entry multi-carrier comparative-rating solution that can handle all P&C lines, across all mediums including both instant (“API”) and email quoting, at any level of complexity.
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Remitly
Seattle - Remitly is a mobile payment service that enables consumers to conveniently make person-to-person international money transfers from the United States. Its online service is disrupting the $588 billion a year industry by using the latest technology and mobile devices to eliminate unnecessary forms, codes, agents, extra time, and fees tied to the traditional money transfer process. As a licensed money transmitter, Remitly currently operates in 49 states and Washington, D.C., and spends millions of dollars to thousands of customers each month. Remitly is backed by Stripes Group, DFJ, Vulcan Capital, QED, Trilogy Equity Partners, DN Capital, Founders Co-Op, Bezos Expeditions, and TomorrowVentures.
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RenoFi
RenoFi helps homeowners discover a smart way to finance their renovation and tackle everything on their wishlist.
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Rize
Rize enables fintechs, financial institutions, and brands to build across multiple account types with one API.
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Rockhopper
Redefining collaboration and knowledge capture for the modern finance user.
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Sardine
Sardine is fraud prevention and compliance software company for the digital economy.
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Seeds
Seeds empowers financial advisors to more deeply understand investors and to automatically deliver custom portfolios that align.
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Selfbook
Selfbook develops a payment platform that enables seamless booking flow, merchandising, and one-click payments for hotels.
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Self Lender
Austin - Self Financial is a venture-backed fintech startup that helps customers build credit and save money. It provides tools necessary for building on-time payment history and responsible use of credit, in collaboration with issuing banks.s services are for those who are new to credit or who might not have access to traditional financial products. It offers Self Credit Builder Account to help consumers build both credit and savings without relying on credit history and Self Visa Credit Card, a card that helps existing customers build their security deposit in instalments. Self Financial is formerly known as Self Lender. The startup was founded by Conor Swanson and James Garvey in 2015 and is based in Austin, Texas.
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Settle
Settle is a cash-flow management platform that helps e-commerce and consumer brands manage their financial transactions.
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Sezzle
Minneapolis - Sezzle is a financial services company that offers a technology-driven, payments. The company is driven by its mission is to financially empowering the next generation. Sezzle provides a payment platform that facilitates fast, secure, and easy payments between consumers and retailers. The company was founded in 2016 and headquartered in Minnesota, United States.
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Sila
Portland - Sila is the platform that powers modern financial apps. Sila gives you unparalleled ability to design a product where money movement can be tied to events within your platform, with just a few lines of code. It’s also an out-of-the-box digital wallet for your customers that’s easy to set up. And there’s the normal money stuff too: Sila can make and receive ACH transfers, link bank accounts, and verify customer identity—all at a fraction of the cost of traditional bank partnerships.
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SmartWiz
SmartWiz is an AI-enabled IRS that simplifies the tax preparation process.
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Solid
Solid is a one-stop shop that offers a fully integrated and compliant suite of fintech services.
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SoLo Funds
SoLo® is a leading financial technology company providing banking and lending solutions for everyday Americans.
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Taro Finance
Taro Finance automates the private market investing process and enables liquid secondary markets for privately held financial securities.
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theBeans
The Beans offers a software application platform that creates personalized cash flow plans designed for its users.
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The Helper Bees
Austin - The Helper Bees is an InsurTech successfully improving the home care experience for the payer and care-recipient. They work with some of the world’s largest insurance carriers to deliver transformative experiences in digitization, sourcing great care options, and applying machine learning to power intelligent care and claim analytics and processing.
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Torpago
Torpago is a financial technology company that provides corporate cards equipped with spend management software.
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Truebill
Silver Spring - Truebill enables members to manage their personal finances and improve their financial health through our platform that allows users to find, track, and manage their subscription services and recurring bills. To use Truebill, users must simply connect their bank account or credit card statement and instantly see everything they're paying for on a recurring basis. Any unwanted subscriptions can be canceled with just a few clicks. Truebill is backed by Y Combinator, Social Capital, Cota Capital, and Bessemer Venture Partners. The company was founded in 2015 and is based in San Francisco, California.
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Truework
San Francisco - Truework is a platform for employment and income verification that puts consumers in control of their personal data. The system digitizes the verification process for HR departments, banks, and others, to make it fast and secure for employees to get verified when applying for a loan, jobs, or apartment rental. Truework’s network of over 40,000 lenders, and background check companies, and other verifiers completes thousands of employment and income verifications every day. The employer network includes nearly 100 enterprise companies and more than 20,000 small businesses across all industries, from healthcare to technology, including The College Board, The Real Real, Oscar Health, The Motley Fool, and Tuft & Needle.
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Truist
Charlotte - Truist, is a provider of philanthropic solutions that enable corporations and nonprofit organizations to effectively engage their donors and volunteers with a comprehensive line of products and services.
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Trust & Will
San Diego - Trust & Will is an online service providing legal forms and information that makes creating estate planning easy, fast, and secure. It is not a law firm and is not a substitute for a lawyer’s advice about complex estate planning. The company is backed by some venture capital firms including Revolution’s Rise of the Rest, Western Technology Investments, Luma Launch, Halogen Ventures, and Techstars, as well as angel investors. Trust & Will was founded in 2017 and is headquartered in San Diego, CA.
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Unchained Capital
Austin - Unchained Capital is a bitcoin financial services company that lends cash to long-term crypto holders. It offers cash loans to long-term cryptocurrency holders in a secure, fast, and transparent manner, backed by multi-signature cold-storage custody solutions. The company was founded in 2017 and is headquartered in Austin, TX.
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Venteur
Venteur helps businesses to provide more affordable and personalized health insurance options to their employees.
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WaveBL
Revolutionizing Trust In Trade
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Wellthi
Wellthi offers B2B embedded social finance software to assist financial institutions in turning one consumer into a community of customers.
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Zirtue
Zirtue lets you Lend and Borrow Money on Your Terms.
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Insights from the Community

Read insights from executives in the Powderkeg community about the biggest shifts, trends and opportunities in FinTech.
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Scott Case
Founder, Zettawatts
What are some of the biggest shifts, trends or opportunities you're seeing in Fintech?
Three areas of opportunity: climate finance, underbanked SMBs and disaster recovery/resiliency. Trillions of dollars in global GDP are going to shift from incumbent solutions to new innovations in each category. The biggest opportunity in each is to focus on reducing or eliminating friction in the flow of financial transactions.
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Summer Crenshaw
CEO, Maepop
What are some of the biggest shifts, trends or opportunities you're seeing in Fintech?
This biggest shift will be in personalization. AI is now allowing companies to deliver much more individually tailored experiences. Fintech will be at the center of a much-needed revolution in personalization. This will also lead to the democratization of finance with new products launched geared toward the average person, and not just for the wealthiest 10% of the economy.
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Carey Ransom
Managing Partner, BankTech Ventures
What are some of the biggest shifts, trends or opportunities you're seeing in Fintech?
One of the biggest shifts in fintech is a focus on the actual business models and types of revenue in a startup. In a growth-at-all-costs era, the market didn't distinguish the types and quality of revenue, margins and customer values, and that has shifted. Building a good, predictable and profitable business is important, and attractive. Not all fintech business models are created equal - SaaS, arbitrage, NIM, interchange, transactions - and values will be assigned accordingly.
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First Movers in Fintech

As our world has become increasingly digitized and globalized, fintech companies have taken over the role filled traditionally by large institutional banks. Instead, fast-moving fintech banks, fintech lending companies and other fintech financial services are the name of the game for new generations and digital natives.

As previously mentioned, before fintech companies took the main stage in our financial system, you had large institutional – and in some cases, centuries-old – banks running the show. But with the introduction of the internet, that all began to change in the late 20th century.

One of the first movers in the space with which most are undoubtedly familiar was PayPal, a company still making headlines today with its latest innovations and updates to its core services. Then came Square and Stripe in the late 2000s and Robinhood in the 2013 – three companies that completely shifted the trajectory of finance

Jack Dorsey’s Square and later competitors made it easier and faster for small businesses to make and receive digital transactions in-person by sliding cards in their proprietary square card reader. Today, the company is worth more than $100 billion.

Founded in Ireland, Stripe allows small e-commerce companies to collect digital payments via secure APIs online. Many of today’s largest direct-to-consumer brands’ payments are powered by Stripe. Now, Stripe is worth around $100 billion, similar to Dorsey’s Square.

Finally, through its mobile platform and application, Robinhood has made investing accessible to populations traditionally left out of the conversation. Their mission to “democratize finance for all” has certainly made an impact with more than 22 million users trading stocks and cryptocurrencies on the platform as of Q2 2021.

These fintech giants have dominated the last decade but it’s a new sector that’s gotten most of the attention the last year.

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Fintech & Cryptocurrency

In 2008 Satoshi Nakamoto created a new currency called Bitcoin, which has resulted in an entirely new intersection and wave of innovation between finance and technology called cryptocurrency. And in the 2020s inspired by the advancements in computer science, many traditional banks and financial institutions have made the foray into cryptocurrency by allowing their customers to invest and save in the different models.

Founded in 2012 by Brian Armstrong, Coinbase has emerged as the leading exchange for cryptocurrencies large and small. In June 2021 they announced they had accrued more than 20 million users in the previous six months, for a total of almost 70 million individuals on the platform buying, selling and trading tokens.

As you’ll read, cryptocurrency is a growing movement within finance and demands your attention.

Fintech Companies That are Hiring

Check out these Fintech Startups that are currently hiring.
Dovly
Scottsdale - Dovly is the first fully automated credit repair platform based on a sophisticated algorithm proven to increase credit scores. Dovly uses technology to improve credit scores better, faster and cheaper, so people can achieve financial freedom quickly and painlessly. Prior to Dovly, consumers had no alternative to frustrating DIY processes and costly, ineffective, and mostly illegitimate commercial services. Companies had no alternative to monetize on subprime leads making up between 50%-80% of their total lead volume.
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Buckle
Jersey City - Buckle is a full-stack insurance and credit platform that partners with Transportation Network Companies (TNCs) to provide financial products and services to support the gig economy, made up of 55 million Americans and growing.Through its program management strategy, working with its TNC and reinsurance partners, Buckle divides the US$15 billion gig-economy insurance market into different segments of drivers and fleet operators. Buckle’s current gig economy programs include its signature hybrid auto product, taxi, limo and nonstandard auto (NSA). The general theme of all these programs is that they help supply drivers and vehicles to various TNCs (such as Uber, Lyft, Doordash and GoPuff), forego the current credit score methodology heavily used by traditional financial institutions, and are powered by Buckle’s technology and data throughout the insurance and credit value chains.
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Infintech
Blue Ash - Infintech exists to help merchants be more competitive and profitable. We start by learning more about your unique business. Then we make smart, customized recommendations for the latest technology and services to help you excel and maximize cost savings. When you choose Infintech, you'll gain access to the entire i3 Verticals family of products and services while receiving personalized service from a company where you matter.
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BillingTree
Scottsdale - BillingTree is developing ways to make it easier for people to get paid for their products and services. BillingTree has become the trusted and proven solution provider to a variety of industries looking to increase efficiency and process payments quickly. BillingTree has lead the way with progressive, innovative solutions that address the diverse needs and challenges surrounding the payment process. With their experience in the payment industry, they have developed the most reliable, user friendly payment solutions in the world today.
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i3 Verticals
Nashville - i3 Verticals is a technology and integrated payments provider for a range of industry verticals throughout the United States. i3 Verticals intends to make additional acquisitions and become a leader in distinct, growing verticals by helping customers improve their operating efficiencies, enhance revenues, and streamline their payment processing functions.
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Bakkt
Alpharetta - Bakkt is a financial services company that focuses on digital currency that specializes in concurrency, rewards, and loyalty points. It features a software application platform designed for digital asset management that helps institutional clients in an end-to-end regulated market. The company was founded in 2018 and headquartered in Atlanta, Georgia.
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Juniper Square
San Francisco - Juniper Square operates an online based platform for private equity firms to find, raise, and manage capital. It provides an easy-to-use software that streamlines fundraising, investment administration, and investor reporting. With Juniper Square, clients will improve investor satisfaction, boost fundraising productivity, and save time and money on investment operations. Adam Ginsburg, Alex Robinson, and Yonas Fisseha founded it in 2014, with its headquarters in San Francisco in California.
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The Future of Finance & Technology

It’s difficult to say exactly where the finance and fintech environments are heading. In the last few decades our world has seen so much change in the seemingly traditional space that makes even the simplest predictions challenging.

However, you can bet your bottom dollar that the advancement toward equal access and opportunity for all will only accelerate with the help of technology and computer science. Thanks in part to innovations made by pioneers in the fintech space like PayPal, Square, Stripe, Robinhood and Coinbase in addition to cryptocurrency and its contributors.

Keep reading to learn which fintech companies are poised to steal the show and where you may have the best opportunity to make a great impact on the future of finance.

If you’re already sold on fintech companies in the Unvalley, join Powderkeg’s free, AI-powered talent matching service that will pair you with employers that fit your unique needs in an organization. Join today!

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Today’s Fintech Wave

You’ve learned about the biggest fintech companies like PayPal, Square, Stripe, Robinhood and Coinbase, and their contributions to the fintech environment. But, there are so many more top fintech companies making waves in the space. They’re making financial products accessible to third world countries, improving financial literacy and education for women, and disrupting traditional financial systems with bold, new ideas and algorithms.

Let’s take a glance at the top fintech companies in 2020 and 2021 and how they might grow beyond this point.

First, one of the most watched trends in the fintech world has been buy-now, pay-later (BNPL) companies like Klarna and Affirm. Instead of users having to pay all of an item’s cost upfront, BNPL services allow them to receive the product with a promise of paying back the cost over the next few months. BNPL companies often partner with larger outlets like Amazon, Walmart and Target for access to exclusive access to their shops and customers.

Founded in Sweden, Klarna has made its way around the world. They offer both B2B options where large retailers can partner with the BNPL company or B2C feature, where individuals can simply download the mobile app or browser extension and make four monthly payments for products instead of paying the cost upfront.

On a related note, Silicon Valley-based Affirm offers similar services to its retail partners and individuals.

Just as BNPL options have swept Silicon Valley, so too has cryptocurrency.

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Cryptocurrency’s Role in Fintech

Shifting gears to the fast-moving cryptocurrency space, exchanges are positioned to witness incredible growth in the 2020s. Just as Coinbase has grown considerably in the last twelve months, Kraken & Gemini are right on its tail.

Headquartered in San Francisco, Kraken was one of the first companies to offer trading to crypto enthusiasts. The Winklevoss twins Cameron and Tyler, made famous from their legal battle with Mark Zuckerberg over the inspiration behind Facebook, started their own cryptocurrency exchange in 2014 to compete with the likes of Coinbase and Kraken.

Today, Coinbase, Kraken and Gemini lead cryptocurrency companies in terms of users.

As we look toward the future in finance and technology, it seems as if cryptocurrency will almost certainly play a role.