New York is one of the world’s great tech innovation hubs and is arguably the most powerful city in finance. Inspired by veteran companies such as LearnVest and receiving mentorship from programs such as the Fintech Innovation Lab, fintech startups in NYC are shaking up finance. Here are some of the most prominent leaders in NYC fintech, along with a few upstarts worth watching.
Top Fintech Companies in NYC
- Venmo
- Plaid
- Alloy
- Landis
- Better Mortgage Corporation
- Fundera
- Policygenius
- OnDeck
- Riskified
- Betterment
Fintechs in NYC to Know
Venmo is a mobile app that allows users to quickly and safely send and receive money with friends, family or any other Venmo user. Acquired by PayPal in 2013, Venmo makes IOUs a thing of the past. The app enables those without mobile banking capabilities to sync their bank accounts, debit or credit cards and share payments with anyone.
Morningstar is a fintech company that uses independent investment research to provide analysis, fund ratings and other investment services to financial services professionals. It offers software products and platforms, including an advisor workstation for financial advisors, a research portal for analysts and Morningstar Direct, which is a platform for asset and wealth managers that includes support for product creation, positioning, marketing and distribution.
Navan’s travel and expense management software is designed to simplify booking, compliance and oversight for corporate travel and spending. Businesses that use Navan’s solutions can issue their employees physical and virtual corporate cards, as well as quickly reimburse them for out-of-pocket expenses even while they’re abroad, with support for reimbursements in more than three dozen countries. Well-known brands like Lyft, Asana, SurveyMonkey, Ancestry and Zoom trust Navan’s products and services.
Cash App, a financial services platform that offers peer-to-peer money transfers, has a New York hub based in SoHo. The company makes financial services accessible to thousands of monthly users, providing them with features like debit cards, tax filing, investing, goal-oriented savings and Bitcoin buying.
Before there was Bond Street, there was OnDeck. Since 2007, OnDeck's friendly B2B platform has been helping smaller, tech-savvy businesses get loans approved more quickly than any traditional bank is able to. After a successful fundraising round during a dark recession and going public in 2014, OnDeck is indisputably among the original giants in NYC fintech — one of the legacy companies that helped make the city's fintech boom a thing. Its legion of successful offspring owe it a debt, so to speak.
OpenFin provides HTML5 runtime technology based on Google's Chromium open-source project, and is specifically tailored to the needs of the financial industry. The financial world has salivated over this sort of out-of-the-box container solution for decades. Now that it's working with some of the world's top banks and trading platforms, it's obvious that creative coders have a lot of value to companies that don't have the time to build this sort of product in-house.
The Bitcoin Mercantile Exchange (BitMEX) is a Bitcoin derivatives trading platform. The company’s platform is currently the largest crypto derivatives platform available. Traders can buy or sell crypto like Bitcoin, Ethereum or Ripple. Over the last 30 days, BitMEX has facilitated over $77 billion in crypto trades.
Stash is a mobile investment platform that provides users with the freedom to invest in small amounts, learn about the markets and maintain a portfolio unique to them. Stash helps smaller investors get started with ETFs, providing tips and tools along the way.
Circle is a global firm that enables businesses of all sizes to use digital currencies and public blockchains for payments, commerce and financial applications. The company is known for issuing the USDC and EURC stablecoins. Circle’s global corporate headquarters is situated in the iconic One World Trade Center in Lower Manhattan.
Cedar makes a platform that combines relationship management and payment processing for businesses in the healthcare industry. Patients can pay bills, access support for understanding their charges and benefits and communicate with medical offices from a single platform. Cedar’s software solutions are meant to reduce administrative friction while improving patient outcomes and experience.
Although it may seem as though no one carries cash anymore, anyone who's frequented enough businesses knows that accepting iOS, Android, or even plastic credit card payments can be a challenge when the right software and hardware isn't in place. CardFlight helps integrate mobile payments for real-world commerce with a range of products, from developer tools to turnkey solutions. With a tight focus on all things point-of-sale, CardFlight provides merchants with the technology they need to accept POS mobile payments, enabling them to march boldly and safely into a cash-free future.
SmartAsset helps users make smarter financial decisions by providing easy access to financial advisors and online tools so users can better understand their financial health. The platform provides a wealth of resources through its website, from blogs and articles to online calculators, allowing visitors to dive deeper into financial education and improve their financial health over time.
Policygenius helps users find the most effective, personalized insurance policy. Policygenius helps users choose the insurance policy that fits best for them. Those looking for life, disability, auto, homeowners and more have to fill out a small questionnaire and Policygenius will match them with the top three insurance policies for their needs.
TradeBlock is a new sort of international currency analysis company with a special focus on bitcoin and other cryptocurrencies. With a position on the financial mountaintop that is NYC, TradeBlock is in a unique position to make sense of an exciting and rapidly changing landscape, giving old-school financial pros the information and tools they need to make sense of it all.
SeedInvest is a platform that brings together investors and startups through the power of crowdfunding. With a network of more than 17,000 accredited investors, it handles seed, early-stage, later-stage, and equity crowdfunding rounds in sectors including hardware, software, health tech, fintech and even cutting-edge fields such as robotics and virtual reality. The SeedInvest process is as simple as it can be: join for free, browse deals, do your homework and invest. At a $25,000 minimum, you can be a small-scale VC using only your smartphone. SeedInvest was on the front lines to pass the JOBS Act and works hard to democratize the investment market while keeping it exciting and secure. And if that's not impressive enough, even Mark Cuban uses it.
Fast-growing Fundera provides a marketplace for small-business loans. It works with a group of hand-picked and rigorously screened vendors, giving borrowers a safe place to comparison-shop and apply. Fundera emphasizes efficiency and transparency on both sides, and serves as a safe entry point into the world of “alternative lending” for frazzled new entrepreneurs. It's gotten big by thinking small. “We’re not interested in having 1,000 lenders,” said Fundera Head of Content Meredith Wood. “We just want the best in each product class.” It brings startup values into a tricky new world, and the model has proved so alluring that Fundera made our list of the top 50 NYC startups to watch.
Alloy operates a powerful Identity Decisioning Platform that enables banks and fintech companies to automate the decision-making process so they can spend more time working with meaningful customers and less time outmaneuvering fraud. The platform runs on a single API that connects bank and fintech customers to the right data that helps them understand their customers’ behaviors as soon as they’re onboarded, leading to better conversions and less fraud while also making onboarding a breeze.
Adyen is a digital payments platform with a global presence. The company’s financial technology solution lets businesses accept payments online or in person. It also offers client companies data-driven insights to help them simplify operations, examine payment method effectiveness and more. Companies like Facebook, H&M and Uber have partnered with Adyen to process transactions.
True to its name, Openfolio brings the power of networks and the wisdom of crowds to the often confusing and intimidating world of personal investing. Download the iOS app and track your 401K, IRA and personal accounts against the rest of its 60,000-strong community with no shared numbers or security concerns. A thriving peer community can help demystify the rough patches and expose opportunities that individuals might not catch wind of on their own. As the landscape opens up for younger, less hardened, more connected investors, who tend to be particularly drawn to tech startups, expect platforms such as Openfolio to gain prominence.
Artivest is an investment platform that allows registered investment advisors to access private equity and hedge funds. The startup streamlines communication between advisors and clients, and allows access to an array of research materials from a single login. Artivest's technology is used by 150 advisory firms representing more than $500 billion in assets under management.
Cadre connects individuals and institutions looking to invest in real estate with vetted brokers. Cadre’s method of connecting investors directly to real estate brokers allows for a more efficient transaction process. The company offers interested investors the ability to invest in quality properties all over the United States.
Gemini’s platform allows traders to build their crypto portfolio. Gemini offers traders a more regulated, secure and compliant way to trade assets, manage holdings, and set recurring buys. In doing so, the company allows traders to participate in the frontier of decentralized finance (DeFi).
Chapter offers financial navigation for Medicare insurance plans. Medicare is a complex program with limited participant support services, so participants often feel unsure of how to best make use of its services and savings. Chapter care advisors are specially trained and licensed to provide advice on how to access Medicare services like drug coverage and dental care, with the goal of maximum savings and benefit utilization for participants.
MoneyLion says it develops technology with a goal “to give everyone the power to make their best money decisions.” More than 14 million customers use its products, which include Instacash, an interest-free cash advance solution, fully managed investment accounts and a mobile banking app.
APEX Fintech Solutions works to drive innovation in the fintech industry by engineering solutions such as tools that enable efficient investing and wealth management workflows. The company aims to “provide long term support to help clients navigate and shape the future of finance.”
SoFi is an online banking platform that brings users services like loans, credit score insights and rewards points that incentivize them to make progress on their financial goals. The company has over 7.5 million members who have earned more than $35 million in rewards and paid off upwards of $34 billion in debt using SoFi’s tools.
CAIS provides an alternative investment platform, which is used by financial advisors to research and manage assets other than stocks, bonds and cash. Alternative investment products include real estate, commodities, private equity, hedge funds, art and cryptocurrencies. The CAIS platform provides resources for learning about and accessing alternative investment strategies and connects finance professionals with asset managers.
Kalshi’s platform gives traders access to a new asset class known as event contracts. Through its exchange, which is regulated by the Commodity Futures Trading Commission, or CFTC, users can trade on the outcomes they predict for a diverse variety of real-world events, ranging from major upcoming announcements in tech to elections and basketball playoff games.
Bloomberg is a leader in global business and financial information, providing technology, data and tools to solve the industry’s biggest problems. Bloomberg has been an innovator since its inception in the early 80s. Bloomberg was the first to provide investors with real-time financial information through the Bloomberg Terminal and today, they continue to develop new products and produce billions of market data messages all while delivering the latest industry news and research.
Axial is an online business development platform, as well as a social network of sorts, that focuses on anyone who runs, advises, acquires, or finances private companies. Founded in 2009, it is now the largest hub of its kind. With the volume and geographic disparity of promising private companies and their potential partners—to say nothing of the significant workloads they face day-to-day— leveraging social networking in this space is a no-brainer. Axial is focused around the entire process from (virtual) handshake to closed deal, and has built a network of over 20,000 professionals.
Hometap gives homeowners same-day access to equity in their homes in the form of cash rather than a traditional home loan or mortgage. Hometap receives a share in the future value of the home in exchange for providing cash to the homeowner. When the owners settle their investments or sell their home, the company gets paid out for their share. Its New York location is in Midtown Manhattan.
Canoe has a fintech product for alternative investments. Its cloud-based tech uses machine learning to automate data extraction, document collection and data science management, giving users the ability to glean actionable insights from huge datasets. With investments from Blackstone, Nasdaq and Portage Partners, the company has been able to expand into the European market and develop new data products.
Clear Street has designed a trading platform for customers to effortlessly complete transactions involving U.S. equities and options. Customers can enjoy competitive rates and electronic trading that is transparent, allowing traders to get started quickly. With Clear Street’s platform, customers can access excellent service and prices for execution, securities lending, and margin financing. Intuitive financial reports provide a comprehensive picture of one’s portfolio, allowing customers more control and flexibility during the trading process.
Attune’s platform streamlines the insurance process for small businesses. Instead of requiring hundreds of questions, multiple weeks review and confusing policies, Attune makes it easy for small businesses to get insured. By only answering a few important questions, small companies can now be insured within minutes.
Thinknum monitors information on companies and markets to facilitate data-driven investment. Want to know what kind of day your favorite company had, or who's primed to benefit from political shakeups in faraway towns? Thinknum will tell you, with user-friendly charts and animations. Thinknum products provide tech-savvy young bankers with access to the sort of crucial financial models that old pros developed behind the scenes, facilitating more collaborative evaluations with a nod to open-source repositories such as GitHub. In an era of continuing speed and uncertainty, it's easy to see the promise in this approach.
Landis helps people attain their dream home by working with agents to purchase properties as an intermediary party.
Once approved, Landis will purchase a property and rent it to the user for a period of one year, with a portion of the rent acting as a down payment on the property — streamlining the transition from rent payments to mortgage payments.
Operating online for over two decades, Bankrate.com is an experienced financial destination for users who need to compare rates on car loans, credit cards, mortgages, home equity loans, savings accounts and more. Bankrate hosts more than 15 million visitors a month, offering comparison rates, as well as objective content, to aid in important financial decisions.
Checkout.com’s digital payment platform enables businesses to accept dozens of global currencies and various payment methods, including Apple Pay, Klarna and PayPal. The company also provides its customers with tools for critical functions such as verifying a user’s identity and detecting and responding to instances of fraud.
Businesses that rely on contractors can use Wingspan’s software platform to automate and streamline onboarding, payments, compliance and benefits processes for their contingent workers. The company says its tech solutions have been used to manage more than $1 billion in contractor payments.
Opto Investments offers a platform for wealth managers, who use it to access private market investment opportunities on behalf of clients. The platform also has features like the ability to personalize investment portfolios for ultra-high-net-worth individuals, or UHNWI, and families alike. Opto facilitates investments in real estate and private equity, with risk assessment and management baked into the process.
After decades of phone-based trading, MarketAxess has created a fully electronic marketplace that is changing how the $100+ trillion credit market trades bonds. Its developers are directly responsible for modernizing the trading platform and moving the bond market into the 21st century, empowering more than 1,800 global clients to trade bonds and additional fixed-income instruments more efficiently across numerous time zones and regions. Unlike the majority of equities trading, only 20 to 25 percent of corporate bond trading occurs electronically. Simply put, the growth potential is enormous, and MarketAxess is at the forefront of using technological innovation to change user behavior and completely transform the market.
Addition Wealth offers a financial wellness platform that delivers personalized guidance on everything from buying a home to saving for college tuition and retirement planning. Employers can work with Addition Wealth to offer its services and solutions as part of their benefits package.
TruMid describes itself as “a revolutionary electronic trading marketplace for corporate bonds,“ but don't worry, its team has a combined 100 years of experience selling and buying, so they're not going to do anything too crazy. Its deep relationships have helped it build a strong community devoted to real liquidity and open access. TruMid allows buy-side and sell-side users to work with each other securely. It is a relatively new company with a strong mission: to create enough liquidity and access to alter credit markets forever. After two hugely successful funding rounds, investors are eager to see where it's headed.
Kensho Technologies builds tools that help people make objective, fact-based decisions. The company’s suite of investigative analysis tools and machine learning algorithms, Visallo, helps analysts discover, visualize and understand complex relationships within large amounts of data.
Gynger helps companies finance their initial software spending, which allows them to get rolling with deeper tech stacks and smaller credit burdens. Client companies can defer their monthly SaaS and cloud usage bills by spreading out payments over a period of months, freeing up cash for growth operations. Gynger provides financing options that can help SaaS vendors close on more deals without having to worry about billing or the risk of potential non-payment.
Founded with a mission to fundamentally alter the banking process and a credo that “you shouldn't have to pay money to spend your own money,” Moven is one of the most sophisticated personal finance products around. It comes with a bank account, a debit card, and a multifaceted suite of monitoring tools, helping customers keep track of their spending habits, while removing frustration and fees along the way.
January removes distrust from the debt-collecting process, providing a platform that caters to the unique needs of borrowers and creditors. Recovering debt becomes a convenient endeavor, thanks to the transparent platform of January. Borrowers can personalize their experiences, creditors can remain compliant with government laws, and both parties can enjoy a frictionless process when it comes to sensitive financial transactions.
Enfusion is a fintech company offering an investment management platform with capabilities for front-, middle- and back-office operations. It’s designed to serve hedge funds, institutional asset managers, traders, portfolio managers, CFOs, accountants and other professionals. The company maintains offices in multiple countries staffed by experts prepared to assist clients.
Big money meets big data at Plaid, an investment insights company that gathers a mind-blowing array of financial information in one smart, simple, visually intriguing platform. There's going to be a lot more financial data out there before there is less. A bright future awaits firms who know how to crunch it and can bring younger, less sophisticated investors into the financial world.
Current gives consumers access to mobile banking services that include a direct deposit feature that gets them their money up to two days early. Users can build their credit by making purchases with the card connected to their Current account, and Current’s automatic round-up feature allows them to save money each time they spend. The Current app also comes with capabilities for crypto trading.
The fast-growing Betterment aims to democratize investment for those who want to make extra cash or plan for retirement (and may not wear suits to work). Its fill-in-the-blank UX is about as simple as an investment platform can get. Betterment aims to build a portfolio designed to achieve optimal returns at every level of risk. That's certainly ambitious, but it seems to be working. Betterment relies on an array of tech-savvy strategies, including automation.
StockTwits is a real-time communication platform for all-things finance and investing. Because StockTwits uses stock ticker symbols ($TSLA for Tesla, $FB for Facebook, etc.) like a hashtag, community members are able to access real-time data and news on all of their investments. Additionally, the platform acts as a social media outlet for the fintech community, where more than 40 million members exchange ideas about the market and talk about trending topics.
Octus provides financial and legal professionals with articles, breaking news alerts, data and other credit market intelligence. Its team members aim to turn complex information about the credit lifecycle into meaningful, expert analysis that subscribers can understand and act on. The company serves more than 28,000 professionals working in markets worldwide. That includes investment bankers, capital market lawyers and portfolio managers. Octus says it is committed to helping them “make better business decisions.”
From the people who helped build Paypal and Skype comes Wise, a company that enables users to send money to other currencies with real exchange rates and no fees. Wise can save users up to 90 percent and allows them to dodge the fees that come with transferring money through banks or Western Union.
Attain offers an opt-in purchase platform that allows marketers to assess strategic outcomes and grants users who opt-in rewards and financial tools. Its portfolio of apps includes B2C financial services apps like Frisbee and Klover. The company has its New York City office in the Flatiron District.
According to its stated mission, LearnVest exists “to make financial planning affordable, accessible, and even delightful.” Its journey starts with three simple goals: manage debt, save money for emergencies, and retire comfortably. Customized planning and coaching are offered to help users expand from there. Founded in 2007, LearnVest was an early entrant to the personal investment boom. Even after being acquired by Northwestern Mutual in 2015, it remains one of the highest-profile and most influential players on the NYC fintech scene.
Volant provides proprietary trading, technology and execution services to global markets. The technology analyzes huge amounts of data to find trading opportunities, value derivative sets and stream quotes to exchanges around the world, at all hours. Everyone from programmers to traders collaborate and work side-by-side at Volant to build the most innovative approaches.
Bond Street Marketplace gives smaller businesses simple, transparent, and fair access to loans. Using technology, data, and design, it presents a friendlier loan application experience and takes as little as a week to provide startups with the cash they need to survive and grow. Headed by two finance veterans and a former engineer at Venmo, Bond Street is in a unique position to transform the world of small business investment and to grow the larger economy. It aims to create a loan experience for startups that is less like an FBI interrogation and more like two founders talking shop.
PEAK6 is a holding company that aims to build the world up with democratization and innovation in mind. It builds and invests in businesses in industries that include finance, insurance, esports and education. It boasts world-class technology, operational excellence and purposeful design.
Flourish gives independent investment advisors access to financial products for cryptocurrency, insurance, annuities and other assets. Built to support finance pros who are managing portfolios on behalf of clients, Flourish’s secure, compliant technology helps more than 700 registered investment advisors deliver quality service.
Maybern is headquartered in the Union Square area where its built an operating system for private funds. Recognizing that the private market still relies heavily on fragmented systems and manual spreadsheets, Maybern offers a unified platform to automate and centralize the complex financial workflows of private equity, real estate and credit funds. The company was founded in 2022.
Riskified is the world’s largest e-commerce fraud prevention solution. The company manages a suite of fraud prevention tools that allow businesses to build trustworthy brands. Riskified, trusted by leading e-commerce retailers like Finish Line and Canada Goose, allows companies to focus on building trustworthy customer service and sales experiences. The company’s machines use artificial intelligence in order to separate the fraudulent customers from the true customers.
Rain is located in Lower Manhattan and offers core infrastructure for stablecoin-powered payments. The company provides a vertically integrated platform and API that allows businesses, neobanks and marketplaces to embed stablecoins into their payment flows, wallets and card programs. Rain helps clients manage cross-border payroll, merchant payouts and B2B spending.
Deutsche Bank uses cutting-edge technology to become a twenty-first-century financial institution. The company offers financial guidance to governments, major corporations and private individuals. Deutsche Bank’s technology team has developed algorithms to determine stock price changes to the microsecond and are working with other businesses to make the financial giant a technology-first bank.
CB Insights uses software to mine data for a variety of industries, including finance to predict technology trends and aid companies in strategic planning. The startup enables economic development firms and investment banks to build target lists, pinpoint growing industries, identify future clients and predict emerging trends. With funding from the National Science Foundation and venture capital investors, CB Insights believes decisions should be based on more than the “three Gs,” (Google searches, gut instincts and guys with MBAs).
NYDIG operates an end-to-end financial services platform dedicated entirely to Bitcoin. In addition to offering brokerage and mining services, NYDIG’s platform features asset management, custody, execution, derivatives, financing, research and advisory capabilities, enabling people and institutions to keep their assets secure while growing.
For those who have to manage their own finances, Lili is providing a convenient way to operate. Freelancers and small business owners can access bank accounts, debit cards, mobile and cash deposit options, and more. With the Lili mobile app, independent professionals can stay on top of their finances. The app connects to popular digital payment platforms, delivering faster access to online funds. In addition, the Lili tax bucket feature sets aside a personalized amount for tax season, ensuring users are ready for any upcoming tax responsibilities.
Camber’s models leverage data-driven insights to simplify the billing and payments processes that healthcare clinics handle when working with insurance. Its tools are built to streamline claims processing so that providers can get paid more quickly and accurately. The company is headquartered in the Flatiron District.
Better Mortgage Corporation makes it possible for people to access the tools needed for homeownership without getting boxed out by unnecessary fees. With services including mortgage lending, real estate, title insurance and homeowner’s insurance, Better provides instant loan estimates and access to dedicated real estate agents with no commission fees and a focus on radical transparency.
Onevest's original mission is to democratize the startup investment in anticipation of the JOBS Act – Title III, which will bring non-accredited investors into the mix for entrepreneurs. But accredited and even very traditional investors are curious about the startup landscape. In tribute to a simplified approach, Onevest's ecosystem has swollen to 15,000 investors and 80,000 entrepreneurs already. Onevest has had wild success courting startups and investors alike by providing specially designed communities for both, while streamlining the system for all. It has gained accolades throughout the financial press and many imitators to come.
Narmi is working to help financial institutions deliver “world-class digital banking experiences” for both consumers and businesses. Its tech platform allows banks, credit unions and other institutions to offer their customers secure digital solutions for activities like opening accounts, hitting savings goals and managing finances. Narmi says financial institutions that use its tech are able to get digital banking platforms into the hands of consumers faster and can see growth in the form of increases in new accounts and deposits.
Northwestern Mutual provides underwriting services, insurance products, and other financial solutions to everyday consumers. Additionally, when clients have questions about reaching solid financial ground, they can utilize the advice from Northwestern Mutual’s financial representatives. Because clients have come to expect fast and efficient service, Northwestern Mutual has embraced a tech-first approach. Now clients can access insurance plans, set financial goals, and keep track of their financial habits all through online and mobile formats.
Businesses use Order.co’s platform to manage their purchasing and payment processes. It includes features for establishing a custom vendor catalog, tracking orders, ensuring compliance with purchasing policies, automating invoice coding and generating detailed reports. Order.co says its tech has been used to process more than $300 million in spending and fulfill over 1 million orders.
Airwallex aims to build the future of global banking for businesses through tech-driven infrastructure that unifies management of payment and finances. The company says the headcount at its New York office in Union Square tripled in size between 2024 and 2025.
Property managers use Findigs’ technology to access tenant screening tools that are designed to streamline rental application processing, while also protecting against fraud and ensuring fair rental decisions. The company’s product portfolio includes an income verification solution that the company says can help make renting more accessible for non-traditional income earners and underbanked individuals.
Bilt Rewards extends fee-free credit cards to consumers and operates a rewards-points ecosystem in which users can accumulate points by paying rent on Bilt cards. Rent is a major and regular expense that’s usually exempt from earning rewards because it’s somewhat uncommon to be able to pay rent on a credit card. The Bilt card offers the option to pay participating properties and simultaneously earn rewards.
Finch offers a unified APY that allows HR teams to have an employment system that enables secure access to benefits data, payroll and directories. This software connects a business’s ecosystem into a single platform. The company supports hybrid work with its offices in New York City and San Francisco.
Residing at the crossroads of financial services and technology, Capco modernizes financial groups with advanced solutions. The firm guides clients through the transition to embracing the latest technologies while ensuring these tools increase revenue and efficiency within the work environment. Businesses are gaining an advantage from Capco’s cutting-edge thinking. Capco specializes in areas like IT infrastructure, data analysis, and revenue generation. As a result, companies can rely on Capco to align their digital transformation efforts with goals to improve their overall financial performance.
