Fintech is a booming industry that’s on everyone’s mind, especially investors.
As tech-savvy generations have aged, banking and financial options evolved, too, and once rare perks like mobile banking became standard, forcing brick-and-mortar institutions to become tech-enabled.
Fintech Companies to Know
- Square
- Chime
- Stripe
- Coinbase
- Venmo
- Plaid
But banks aren’t the only financial institutions that have made tech-driven changes. Entire markets — from digital loans and mobile stock services to e-commerce payment platforms and digital currency exchanges — are rooted in digital financial access.
To learn more about what the current space looks like, check out these fintech companies and startups.
Fintech Companies to Know
Founded: 2009
Headquarters: San Francisco, California
Services: Payment Processing; Inventory Management, POS Hardware
What they do: Square provides payment processing and business management tools for merchants of all sizes. The company’s Square platform enables businesses to accept card payments, manage inventory, sync in-store and online operations and handle payroll and bookings through integrated software and hardware solutions.adv
Founded: 2010
Headquarters: Dublin, Ireland
Services: Payment Processing; Billing, Fraud Prevention
What they do: Stripe is a financial services platform that enables businesses to accept payments, manage subscriptions and automate billing across online and in-person channels. The platform combines payment acceptance with AI-powered optimization, fraud prevention and flexible billing models — including usage-based pricing — enabling businesses to launch new monetization strategies and scale globally across nearly 200 countries.
Founded: 2009
Headquarters: New York, New York
Services: Payment Processing; Mobile Payments
What they do: Venmo is a mobile payment app owned by PayPal that simplifies peer-to-peer money transfers and merchant payments. The platform enables users to send and receive money instantly from bank accounts through its mobile app, with real-time payment tracking and a social activity feed. Venmo has expanded beyond personal transfers to support business payments, including tap-to-pay features for merchants on Android devices.
Founded: 2013
Headquarters: Oakland, California
Services: Mobile Payments; Money Management
What they do: Cash App is a mobile money management platform that enables instant peer-to-peer transfers. The app functions as a banking alternative through direct deposit capabilities and customizable debit cards, while simultaneously facilitating equity and Bitcoin investment. It also incorporates modern payment flexibility by embedding Afterpay for pay-over-time transactions.
Founded: 2009
Headquarters: Oakland, California
Services: Mobile Payments; Payment Processing
What they do: Block works with consumers and merchants globally, enabling payment processing, lending and financial access. The company’s ecosystem includes Cash App’s peer-to-peer transfers and installment payments, Square’s merchant payment solutions and emerging services like Bitcoin payments and stablecoins.
Founded: 2012
Headquarters: San Francisco, California
Services: Mobile Banking; Savings; Direct Deposits
What they do: Chime offers fee-free mobile banking with no-fee checking and savings accounts, plus early direct deposit access up to two days before payday. The app features automatic savings tools, high APY on savings for premium members and SpotMe overdraft protection without fees. Chime partners with FDIC-insured banks and has become one of the largest digital banks in the United States.
Founded: 2011
Headquarters: London, England
Services: International Money Transfers
What they do: Wise moves money through its platform to users all over the world at mid-market rates and with no unnecessary fees. In addition to individuals, Wise can be used by companies to invoice vendors regardless of currency.
Founded: 2002
Headquarters: New York, New York
Services: Quantitative Trading
What they do: Hudson River Trading is a s a multi-asset class quantitative trading firm that uses advanced mathematics, computer science and automated algorithms to provide liquidity across global markets and directly to clients. The firm’s approach exemplifies how fintech companies leverage cutting-edge technology and quantitative methods to revolutionize financial markets.
Founded: 2020
Headquarters: Riverwoods, Illinois
Services: Investing
What they do: Opto Investments’ platform automates the entire private markets investment journey for wealth management institutions. The fintech solution simplifies operational workflows from initial fund setup through investor onboarding and ongoing portfolio oversight by utilizing automated intelligence tools. This centralized ecosystem allows firms to build customized private investment programs without needing to expand their operational staff.
Founded: 2009
Headquarters: Boston, Massachusetts
Services: International Transactions
What they do: Flywire helps facilitate seamless transactions in industries like education, travel, technology and healthcare, eliminating operational challenges. The company’s global payment network allows users to pay in local currencies with a locked-in exchange rate, which Flywire then exchanges and deposits in the business’ account. With invoicing and integration capabilities also available, Flywire is a partner to more than 3,300 businesses.
Founded: 2009
Headquarters: New York, New York
Services: Investing
What they do: CAIS is an alternative investment platform connecting independent financial advisors with private equity, hedge funds, structured notes and other alternative strategies from major asset managers. The platform streamlines access and education for advisors managing trillions in client assets, enabling them to offer sophisticated investment solutions at scale. CAIS recently integrated artificial intelligence to enhance advisor capabilities, and expanded its marketplace to include model portfolios and structured investments.
Founded: 2013
Headquarters: Fully Remote
Services: Debt Collection
What they do: TrueAccord from TrueML uses machine learning to help thousands of companies collect debts in a way that suits both companies and customers. The platform combines AI-driven decision-making with human expertise to balance collection performance with compliance and consumer empathy. This is executed through the HeartBeat engine, which analyzes consumer behavior to deliver personalized digital outreach at the optimal time, using tailored messaging and flexible payment options designed for each debtor.
Founded: 2012
Headquarters: Chicago, Illinois
Services: International Money Transfers
What they do: Pangea is a fintech company that enables users to pay anyone in the world. Its foreign exchange management platform combines low fees with competitive exchange rates, offering transparent pricing and multiple delivery methods, including bank deposits, debit card transfers, mobile wallets and cash pickup.
Founded: 1984
Headquarters: Chicago, Illinois
Services: Investing Assistance; Retirement Planning; Asset Management
What they do: Morningstar is an independent investment research company that empowers everyday investors and financial professionals with professional-grade data, research, and tools. The company offers comprehensive coverage of stocks, ETFs, mutual funds and bonds through its flagship Morningstar Investor platform, as well as institutional-grade products like Morningstar Direct for asset managers and advisors.
Founded: 1997
Headquarters: Austin, Texas
Services: Investments; Financial Literacy
What they do: PEAK6 invests in and develops businesses across various industries, including finance, insurance, education and e-sports. Originally founded in 1997 as an options proprietary trading firm, PEAK6 has evolved into a multibillion-dollar holding company.
Founded: 2011
Headquarters: Denver, Colorado
Services: Payroll; Tax Filing; Accounting
What they do: Gusto operates as an all-in-one payroll and HR platform designed to manage the entire workforce lifecycle for small and medium-sized businesses. The system automates payroll processing alongside tax filing and regulatory compliance, ensuring operational accuracy. Beyond compensation management, the platform extends into daily workplace operations by handling employee benefits administration, time tracking and the initial onboarding of new hires.
Founded: 2002
Headquarters: San Mateo, California
Services: Loans; Debt Consolidation
What they do: Achieve is a digital personal finance company that helps individuals simplify their debt management build financial security. The company offers a variety of personalized solutions, including fixed-rate personal loans of up to $50,000 that can be funded in as little as 24 hours to help consumers consolidate multiple debts into a single monthly payment. For homeowners, Achieve provides home equity loans and HELOCs, alongside specialized debt relief programs that negotiate directly with creditors so members can resolve their debt without taking on new loans.
Founded: 2003
Headquarters: Montreal, Canada
Services: Payment Processing; Fraud Protection; Risk Management
What they do: Nuvei provides modular, scalable payment infrastructure for businesses globally. The platform enables companies to accept next-generation payments across more than 700 methods — moving beyond traditional card networks to incorporate real-time bank transfers, digital wallets and localized alternative payment methods. Alongside these friction-free payment options, businesses can also manage payouts and access AI-powered fraud protection and risk management services.
Founded: 2011
Headquarters: San Francisco, California
Services: Banking; Refinancing; Wealth Management; Financial Advising
What they do: SoFi offers student loan refinancing, personal loans, mortgages, auto refinancing, and wealth management services — evaluating borrowers using data analytics that extend beyond conventional credit scores and income verification. As a federally chartered national bank since 2022, SoFi also provides FDIC-insured banking products alongside investing, credit cards and insurance through a vertically integrated technology stack.
Founded: 2016
Headquarters: New York, New York
Services: Debt Collection
What they do: January uses AI-driven technology to help humanize the debt collection process, helping borrowers regain financial stability while enabling creditors to modernize their recovery strategies. The platform engages borrowers who have fallen behind on payments through personalized interactions, flexible repayment options and transparent account management. Partnering with leading lenders, credit unions and debt buyers, January improves collection efficiency and recoveries.
Founded: 2014
Headquarters: New York, New York
Services: Digital Trading
What they do: Trumid makes a fixed income trading platform that offers a customizable user experience along with analytics tools to inform trading based on real-time data. The technology also connects users with liquidity providers, and its ecosystem of protocols comes with flexibility to support traders’ individual goals.
Founded: 1857
Headquarters: Milwaukee, Wisconsin
Services: Money Management
What they do: Although Northwestern Mutual has thrived for over 160 years, the organization continues to embrace new and innovative ways to serve its clients who can track their finances, view insurance products and create long-term plans with online and mobile tools. Northwestern Mutual has also reduced the underwriting process period to as little as a day with its digital technologies, making it easier for clients to jumpstart their financial journeys.
Founded: 2005
Headquarters: Austin, Texas
Services: Payment Processing; Billing
What they do: 8am (Formerly AffiniPay) makes payment processing software products for specific professional service industries. It creates products like LawPay, which facilitates payment to law firms, CPACharge, which handles reporting and payments for accountants, and ClientPay, a general professional services payment processing tool used by architects, designers and consultants.
Founded: 2013
Headquarters: San Francisco, California
Services: Workforce Management; Equipment Monitoring; Spend Management; Fleet Management
What they do: Motive is an AI-powered integrated operations platform combining fleet management, driver safety, equipment monitoring, spend management, workforce management and computer vision capabilities. Additionally, Motive Card delivers automated insights on saving opportunities, fraud detection capabilities and cashback rewards.
Founded: 2017
Headquarters: New York, New York
Services: Money Management; Budget Assistance
What they do: Brigit is a financial health app that provides interest-free cash advances up to $500, credit-building tools and comprehensive budgeting features. By analyzing spending habits, the app automatically alerts users to potential shortfalls to help them avoid costly bank overdraft fees. Additionally, it features a built-in network to help members find side gigs and supplement their income.
Founded: 2012
Headquarters: Dallas, Texas
Services: Digital Investing; Wealth Management
What they do: Apex Fintech Solutions offers a cloud-native fintech platform powering digital investing infrastructure for wealth management firms, broker-dealers, banks and startups. It provides integrated clearing, custody, trading and wealth technology solutions through its AscendOS platform, enabling clients to launch and scale digital investing experiences.
Founded: 2021
Headquarters: New York, New York
Services: Payment Processing; Crypto
What they do: Rain helps businesses launch payment cards, digital wallets and cross-border money movement through a single API. It technology enables businesses to launch stablecoin-powered payment products without managing fragmented integrations, settling card transactions daily using stablecoins to improve capital efficiency.
Founded: 2017
Headquarters: New York, New York
Services: Automated Investing
What they do: Canoe provides AI-driven automation software that streamlines alternative investment operations for wealth managers, institutional investors, family offices and asset servicers. The platform automates document collection from connected portals, extracts and structures data from investment documents and delivers insights. Canoe’s machine-learning technology is designed to eliminate manual workflows and reduce reporting time.
Founded: 2011
Headquarters: Chicago, Illinois
Services: Investing; Digital Trading; Financial Research
What they do: tastytrade is a brokerage platform serving self-directed investors trading options, futures, options, stocks, exchange-traded funds, commodities and indices. It features advanced tools including strategy builders, backtesting, visual risk analysis and AI-powered search. tastytrade operates alongside complementary platforms — tastylive for financial education and market content, tastyfx for forex trading and tastycrypto for digital asset custody.
Founded: 2015
Headquarters: New York, New York
Services: Risk Intelligence; Identity Verification; Fraud Detection
What they do: Alloy provides fintech companies and financial institutions with risk intelligence solutions that are designed to help them deliver secure and optimized products. The company unifies identity verification, fraud detection and compliance into a single orchestration engine that connects with data partners. Meanwhile, its Actionable AI suite enables financial institutions to accelerate onboarding, detect fraud across the customer lifecycle and streamline perpetual KYC/KYB and AML monitoring.
Founded: 1935
Headquarters: Chicago, Illinois
Services: Personal Banking; Investments; Lending
What they do: Alliant Credit Union is a not-for-profit financial cooperative and one of the nation’s largest credit unions. As a digital-first institution, Alliant delivers personal banking, lending and investment services through online and mobile platforms and provides amenities like Zelle to enhance its digital features.
Founded: 2017
Headquarters: Seattle, Washington
Services: Loans
What they do: Possible Finance offers small-dollar installment loans and credit products through a mobile app, evaluating borrowers based on income and banking activity rather than credit scores. The company serves millions of customers across 33 states with loans up to $500, no late fees and transparent pricing.
Founded: 2014
Headquarters: Hollywood, Florida
Services: Digital Wallets; Public Funds Management
What they do: ClassWallet is a financial and government technology company that offers a digital wallet for public funds. Public agencies across 37 states rely on ClassWallet’s solutions, which are designed to optimize management of program funds through spending controls, audit-ready reporting and other capabilities.
Founded: 2004
Headquarters: Boise, Idaho
Services: Portfolio Management; Investment Accounting; Regulatory Reporting
What they do: Clearwater Analytics is a cloud-native fintech platform delivering front-to-back investment management for institutional asset managers, hedge funds, family offices and asset owners. The platform automates investment accounting, portfolio management, trading, risk analytics and regulatory reporting across public and private markets. In 2025, Clearwater completed its acquisition of Enfusion, expanding its capabilities to include advanced portfolio construction and order execution.
Founded: 2015
Headquarters: Palo Alto, California
Services: Expense Management; Corporate Travel
What they do: Navan, an all-in-one travel tech platform, provides travel payment options that streamline corporate transactions through the use of virtual cards. These cards facilitate both one-time and recurring payments. Additionally, users have the option to connect their current Visa or Mastercard to the Navan platform while preserving their card benefits.
Founded: 2001
Headquarters: Wakefield, Massachusetts
Services: Asset Management
What they do: Vestmark delivers portfolio management and trading software for financial professionals. Serving more than 72,000 financial professionals, the company recently launched Pulse, an AI-powered wealth management tool that continuously monitors client portfolios, surfaces actionable insights and enables advisors to execute trades and rebalancing directly within the platform. Vetmark’s products aim to help firms scale operations while maintaining personalized client experiences.
Founded: 2013
Headquarters: San Francisco, California
Services: Fraud Detection; Security
What they do: Plaid enables organizations to build fintech solutions through a comprehensive data network that connects consumer bank accounts to apps and services. To streamline onboarding and security, the company offers identity verification by combining document, biometric and database checks alongside real-time account balance verification and compliance monitoring. Fraud prevention is powered by Plaid Protect, a next-generation intelligence system that leverages network insights across billions of device and identity connections. This advanced network analysis allows organizations to actively detect and mitigate account takeover, first-party fraud and synthetic identity threats.
Founded: 2003
Headquarters: Chicago, Illinois
Services: Digital Trading; Data Analysis
What they do: NinjaTrader delivers trading software and brokerage services to active futures traders globally. The platform features cloud-based technology equipped with advanced charting, depth-of-market tools and multi-device access across desktop, mobile and web applications. This ecosystem supports extensive user customization by allowing traders to seamlessly integrate a vast library of third-party analytical tools and automated execution strategies.
Founded: 2021
Headquarters: New York, New York
Services: Loyalty Programs
What they do: Bilt pioneered the concept of rent rewards, allowing users to accumulate points when they pay rent on time through its app and branded credit cards. In 2026, the company expanded to mortgage payments and introduced three credit cards with a dual-currency rewards system that combines Bilt Points and Bilt Cash. The platform also offers free rent reporting to help users build credit.
Founded: 2011
Headquarters: Palo Alto, California
Services: Automated Investing
What they do: Wealthfront is an automated investment platform that uses passive investing strategies and tax-loss harvesting to build diversified portfolios of low-cost index funds and ETFs. The robo-advisor serves both first-time and experienced investors, offering automated portfolio management and direct indexing for accounts over $100,000.
Founded: 2017
Headquarters: New York, New York
Services: Wealth Management; Banking; Insurance
What they do: Flourish is a fintech platform built for registered investment advisors that provides access to integrated financial products spanning banking, wealth management, and insurance. The platform enables RIAs to expand beyond portfolio management and deliver comprehensive financial solutions. Flourish also provides Flourish Cash, a cash management platform with competitive interest rates and elevated FDIC insurance, designed to help advisors safely manage and grow their clients’ savings all in one place.
Founded: 2019
Headquarters: Needham, Massachusetts
Services: Data and Reporting; Account Opening; AI Assistant
What they do: Advisor360 provides an end-to-end wealth management platform. The platform integrates account opening, data and reporting, client portal, CRM, trading, compliance, and financial planning into a single operating system, simplify decision making and automate workflows. With new agentic capabilities, Advisor360’s tech can also automate tasks such as transcription and client communication.
Founded: 2014
Headquarters: Chicago, Illinois
Services: Lending; Risk Management
What they do: Supernova Technology provides a cloud-based, fully customizable platform that automates the entire lending process from origination through loan servicing. The company’s modular software is configured to meet the needs of broker-dealers, banks, registered investment advisors and technology providers, enabling faster loan origination, robust collateral management and risk monitoring capabilities that reduce operational complexity and expand access to securities-based lines of credit.
Founded: 2012
Headquarters: Austin, Texas
Services: Retirement Account Management
What they do: Pontera helps financial advisors manage their clients’ retirement accounts — including 401(k)s, 403(b)s and other workplace plans. The platform bridges advisors and workplace retirement accounts through secure connections that allow viewing, rebalancing and consolidated reporting without triggering custody risks. Advisors can optimize asset location across accounts and maintain compliance documentation, while clients benefit from professional guidance that generates 3 to 4 percent higher annual returns.
Founded: 2009
Headquarters: Chicago, Illinois
Services: Financial Research and Analysis
What they do: YCharts is an investment research and client engagement platform that empowers wealth managers with financial data, advanced analytics and AI-driven tools. The platform combines comprehensive market data with visualization capabilities and AI-powered workflows to streamline portfolio construction, research and client proposal generation.
Founded: 2016
Headquarters: Washington, District of Columbia
Services: Retail Rewards
What they do: Upside operates an app for retail rewards, which shoppers can use to redeem cash back on purchases in brick-and-mortar retail locations like grocery stores and gas stations. Partnered with Chime and other consumer fintech companies, Upside leverages the nuance of digital retail to improve product value, returning the savings to the customer while also creating traffic and brand loyalty for retail businesses.
Founded: 2021
Headquarters: New York, New York
Services: Retirement Planning; Financial Advice
What they do: Addition Wealth is an AI-powered financial wellness platform that delivers personalized financial guidance to employees through their employers. The company offers free access to financial tools, educational content and one-on-one consultations with certified financial professionals. Services span retirement planning, equity compensation guidance, budgeting, debt management and tax support.
Founded: 2005
Headquarters: Boston, Massachusetts
Services: Insurance
What they do: Simply Business is a digital insurance brokerage serving small businesses and landlords. The company aims to simplify the process of finding and comparing insurance options through its online platform. Simply Business can help small business owners find coverage options including general liability, professional indemnity and equipment insurance.
Founded: 2021
Headquarters: Chicago, Illinois
Services: Credit Risk Evaluation
What they do: EDGE is a transaction analytics platform and consumer reporting agency that powers credit risk assessment and income verification for lenders. The platform aggregates bank data to deliver cashflow-based credit decisioning, enabling lenders to assess borrower repayment ability beyond traditional credit bureau data. EDGE serves credit unions, alternative lenders and fintech companies seeking to expand credit access while reducing underwriting risk through real-time income detection and predictive risk scoring.
Founded: 2013
Headquarters: New York, New York
Services: Credit Intelligence; Data Analysis
What they do: Octus provides a credit intelligence platform for financial and legal professionals globally. The company delivers real-time deal insights, proprietary data and expert analysis across the full credit lifecycle. It also provides CreditAI, a compliance-ready generative AI tool trained on the world’s largest validated library of leveraged finance and credit intelligence, to help professionals navigate complex financings and maximize client value.
Founded: 2022
Headquarters: New York, New York
Services: Compliance; Fund Intelligence; LP Reporting
What they do: Maybern is an operating system for private fund management powered by AI agents. The platform automates complex fund operations — including waterfall calculations, management fee tracking, LP reporting and distribution reconciliation—enabling fund CFOs to manage operations more efficiently while maintaining audit-ready accuracy.
Founded: 2012
Headquarters: Fully Remote
Services: Crypto Trading and Storage
What they do: Coinbase is an online platform for buying, selling and managing digital currency that provides users with secure mobile access to their digital assets. Coinbase is available in upwards of 100 countries and has exchanged more than $150 billion in various forms of digital currency, including Bitcoin, Bitcoin Cash, Ethereum and Litecoin.
Founded: 2016
Headquarters: Chicago, Illinois
Services: Debt Assistance
What they do: Beyond Finance provides personalized debt relief solutions for consumers with unsecured debt. The company offers debt consolidation loans and debt relief programs designed to reduce monthly payments and resolve debt within 24 to 48 months. Beyond Finance distinguishes itself through a financial wellness approach that includes access to certified financial therapists and educational resources, helping clients improve their overall financial health alongside debt resolution.
Founded: 2019
Headquarters: New York, New York
Services: Real Estate Investment Management
What they do: Agora is SaaS and fintech platform designed to centralize capital oversight, investor relations and daily operations for real estate investment firms. The solution pairs software automation with human-led services to handle the entire investment lifecycle, optimizing everything from the initial fundraising and onboarding phases through ongoing portfolio accounting. Built to support global real estate operators, the platform provides an interconnected ecosystem where firms handle cap table architecture and distribution deployments.
Founded: 2015
Headquarters: San Francisco, California and Singapore
Services: Cross-Border Payments; Business Accounts; Treasury Management; Spend Management; Embedded Finance
What they do: Airwallex’s platform is designed to provide the infrastructure that enables streamlined global finance operations for businesses ranging from high-growth startups to major enterprises. The technology includes solutions for global accounts, billing and spend management, supporting more than 250,000 companies.
Founded: 2013
Headquarters: New York, New York
Services: Fraud Detection; Payment Processing
What they do: Riskified is an AI-powered fraud detection and prevention platform that helps e-commerce merchants distinguish legitimate transactions from fraudulent ones. Using machine learning and behavioral analysis, the platform approves legitimate orders while blocking fraud in real time, enabling merchants to increase sales approval rates while reducing chargebacks. The platform serves Fortune 100 companies and thousands of online retailers globally.
Founded: 2016
Headquarters: Chicago, Illinois
Services: Regulatory Compliance Solutions
What they do: DFIN provides compliance and regulatory software and services for financial institutions, investment companies and capital markets participants. The company’s cloud-based platforms enable clients to manage SEC filings, financial reporting, ESG disclosures, M&A transactions and regulatory compliance across multiple jurisdictions. And with AI-powered tools and integrated solutions, DFIN helps organizations streamline complex financial workflows while maintaining regulatory accuracy and data security.
Founded: 2000
Headquarters: Oak Brook, Illinois
Services: Investments; Savings Accounts
What they do: Inspira Financial develops health, wealth, benefits and retirement investment solutions. The company administers automatic rollover IRAs, health savings accounts, and custody services for thousands of employers, plan sponsors and recordkeepers. In 2026, Inspira deployed AI-powered benefits platforms that integrate claims data and deliver personalized guidance.
Founded: 2015
Headquarters: New York, New York
Services: Credit Building; Crypto Trading
What they do: Consumers use Current’s solutions to help them build their credit history and prepare for a healthier financial future. It offers a card members can use to build credit as they spend, and card holders don’t have to deal with fees when they withdraw money from one of Current’s over 40,000 in-network ATMs. Current members can also automate savings contributions using the round-ups feature, and the company offers fee-free crypto trading.
Founded: 1989
Headquarters: Amsterdam, Netherlands
Services: Digital Trading; Automated Investing
What they do: Proprietary trading firm IMC Trading uses automated systems to reduce transaction costs for buyers and sellers alike. The company, founded in 1989, invested in automation and algorithmic trading early on. Today the firm trades primarily on the basis of data and algorithms.
Founded: 2012
Headquarters: San Mateo, California
Services: Lending; Predictive Analytics
What they do: Online lending platform Upstart connects borrowers with banks and credit unions to fund loans. Additionally, AI is used to better predict a borrower’s probability of default and provide lenders with more accurate credit underwriting. Upstarters enjoy a remote-first work model, but the company offers in-person opportunities in San Mateo, California; Columbus, Ohio; and Austin, Texas.
Founded: 2012
Headquarters: San Francisco, California
Services: Lending; Flexible Payment Plans
What they do: Affirm is a lending platform offering buy now, pay later (BNPL) installment loans at the point of sale, enabling consumers to split purchases into flexible payment plans with varying interest rates and no late fees. Founded by PayPal co-founder Max Levchin, the company uses machine learning-powered underwriting to evaluate creditworthiness beyond traditional credit scores. Meanwhile, its product suite includes virtual and physical debit cards, a savings account and merchant tools like adaptive checkout and AI-powered promotion platforms.
Founded: 2012
Headquarters: Chicago, Illinois
Services: Lending
What they do: OppFi’s platform partners with community banks to provide installment loans and credit access to underserved Americans. Through its OppLoans product, OppFi uses alternative data and underwriting to serve consumers who lack traditional credit options, facilitating credit access for everyday Americans while helping them rebuild financial health.
Founded: 1968
Headquarters: Chicago, Illinois
Services: Credit Reporting; Fraud Prevention
What they do: TransUnion provides credit reporting, fraud detection, identity verification, marketing analytics and risk assessment solutions for businesses, governments and individuals. The company’s platform integrates data from various sources to enable trust in commerce through its OneTru AI-powered solution and specialized products like CreditVision. TransUnion uses its AI tools to analyze information in real time to spot hidden patterns and predict consumer behavior.
Founded: 2011
Headquarters: Austin, Texas
Services: Payment Processing; Invoicing; Digital Payments
What they do: Invoice Home is a fintech platform that enables freelancers, solo entrepreneurs and small businesses to create and send invoices while accepting online payments via PayPal and Stripe. The service offers over 100 customizable invoice templates, cloud-based document storage and mobile apps, allowing users to invoice and track payments from anywhere.
Founded: 2002
Headquarters: Chicago, Illinois
Services: Trading
What they do: Belvedere Trading is a proprietary trading firm and market maker specializing in equity index, fixed income and commodity derivatives. The firm leverages advanced quantitative models and ultramodern, proprietary pricing systems to achieve the rapid execution needed to capture market inefficiencies.
Founded: 2014
Headquarters: Austin, Texas
Services: Fundraising
What they do: Snap! Mobile makes fintech software products for youth sports coaches, organizers and teachers. It has a fundraising platform where schools, teams, groups and other organizations in the youth sports space can raise money, process donations and manage fundraising efforts. Other products include the Snap! Store, where teams can promote spirit wear to fans, and Snap! Sponsor, which is a marketplace platform for local sponsors.
Founded: 2006
Headquarters: San Francisco, California
Services: Personal and Business Loans; Personal Banking; Investing
What they do: Happen Bank (formerly LendingClub) is a fintech bank offering personal loans, deposit products, auto refinancing, business loans and institutional investing opportunities. Founded in 2007 as a peer-to-peer lending pioneer, the company evolved into a regulated bank following its 2021 acquisition of Radius Bancorp. Its marketplace model connects borrowers and investors through a single platform, disrupting traditional banking with lower costs and faster turnaround times.
Founded: 2017
Headquarters: Chicago, Illinois
Services: Lending; Data Analytics
What they do: NinjaHoldings delivers data-driven digital financial solutions for both businesses and consumers. Through its portfolio of brands, the platform offers consumer-facing lending and banking experiences via CreditNinja and NinjaCard to serve underbanked individuals. NinjaHoldings also provides corporate clients with advanced risk assessment capabilities through its NinjaEdge business-to-business underwriting and analytics services.
Founded: 2000
Headquarters: New York, New York
Services: Digital Trading
What they do: MarketAxess operates an electronic trading platform for institutional investors and broker-dealers across global fixed-income markets. It connects firms through patented technology enabling efficient trading of bonds and credit securities. Through its Open Trading marketplace, the firm delivers all-to-all access to institutional liquidity. This network operates alongside automated trading solutions, data products and post-trade services to shift the credit market away from traditional phone-based execution and into a fully electronic environment.
Founded: 2015
Headquarters: London
Services: Personal Banking; Automated Investing; Expense Management
What they do: Revolut is a comprehensive, app-based bank that blends daily personal finance with sophisticated wealth management. This global fintech platform allows users to maintain traditional bank accounts and high-yield savings while simultaneously trading stocks and ETFs, either independently or through an automated Robo-Advisor. By pairing these investment options with intuitive budgeting tools that help track and organize spending, Revolut provides an affordable, commission-free ecosystem for managing your entire financial life in one place.
Founded: 2025
Headquarters: New York, New York
Services: Investment Research
What they do: Kepler is an AI-powered financial research assistant built specifically to provide buy-side analysts with highly accurate, fully cited answers they can confidently trust. The platform works by pairing advanced text interpretation with precise mathematical code to fetch data and run calculations accurately. Because it understands specialized financial concepts, Kepler can instantly scan complex documents — like SEC filings, earnings transcripts and quarterly reports — to find and verify the exact numbers analysts need.
Founded: 2012
Headquarters: Boston, Massachusetts
Services: Business Financing
What they do: Forward Financing provides revenue-based financing and business loans to small businesses across the United States. Using proprietary technology and real-time cash flow analysis, the company delivers working capital of $5,000 to $500,000, with fast approval and often same-day funding. Its flexible revenue-based model allows payments to adjust with business cash flow, distinguishing it in the competitive small business lending landscape.
Founded: 2004
Headquarters: Chicago, Illinois
Services: Lending
What they do: Enova provides online financial services through its Colossus platform. The company serves non-prime consumers and small businesses with customized installment loans, lines of credit and other financial products — markets traditionally underserved by traditional banks. Enova’s machine learning-driven analytics enable faster credit decisions and more accurate risk assessment, helping the company expand access to credit for millions of customers globally.
Founded: 2002
Headquarters: Arlington, Massachusetts
Services: Personal Banking; Money Management; Lending; Digital Escrow
What they do: Leader Bank is a Massachusetts-based community bank that delivers digital and traditional banking solutions for personal and business clients. It offers personal banking, money management and lending services. Leader Bank has expanded its digital capabilities through partnerships with fintech platforms like Blend, enabling streamlined loan origination and digital account management.
Founded: 1994
Headquarters: Chicago, Illinois
Services: Investments; Asset Management
What they do: Wolverine Trading is a diversified financial institution specializing in proprietary trading, market making and valuation arbitrage across various financial markets. As a designated market maker, the firm provides high-performance trading infrastructure and technology solutions that power its core businesses. This includes proprietary trading, order execution services through Wolverine Execution Services and asset management through Wolverine Asset Management.
Founded: 2016
Headquarters: New York, New York
Services: Patient Payments; AI Inbound Billing; Healthcare Financial Engagement
What they do: Cedar provides a variety of services for the healthcare industry, from payment to engagement with patients. Cedar’s platform includes Cedar Pay for end-to-end patient payments, Cedar Cover for benefits and financial assistance enrollment, Cedar Support with Kora — an AI voice agent designed to automate inbound billing calls — and Cedar Intelligence, proprietary technology built exclusively for healthcare financial engagement.
Founded: 1988
Headquarters: Dulles, Virginia
Services: Financial Tracking; Money Management
What they do: Unanet is an AI-first ERP and CRM platform purpose-built for government contractors and architecture, engineering and construction firms. Its financial tools provide real-time visibility into cash flow, profitability and billing, helping firms optimize working capital and reduce manual by unifying various project management and accounting capabilities into a singular platform.
Founded: 2016
Headquarters: New York, New York
Services: Digital Banking
What they do: Narmi develops software products that financial institutions can use to deliver optimized digital banking experiences for businesses and consumers. The Narmi One platform provides community banks and credit unions with digital banking, account opening, instant payments, fraud prevention and lending capabilities. Meanwhile, Narmi’s modular product suite enables financial institutions to compete with larger banks by offering modern digital-first experience.
Founded: 2012
Headquarters: Chicago, Illinois
Services: Mobile Banking; Loans
What they do: Avant provides personal loans, credit cards and mobile banking services for middle-income consumers. The company uses data and machine learning to streamline lending decisions, enabling fast loan approvals — often within one day. Avant’s personal loans serve customers seeking to consolidate debt, cover unexpected expenses or fund major purchases.
Founded: 2018
Headquarters: New York, New York
Services: Asset Trading
What they do: Kalshi is one of the largest federally regulated prediction market. Users can bet on real-world outcomes across sports, politics, economics and culture using event contracts. For example, they can buy contracts based on who they think will win the Nobel Prize or how high they think gas prices will be.
Founded: 2018
Headquarters: New York, New York
Services: Tenant Screening; Identity and Income Verification; Insurance
What they do: Findigs is an AI-native resident screening platform that automates tenant screening for property managers. Its offerings include identity and income verification tools and insurance coverage that serves as an alternative to traditional security deposit arrangements.
Founded: 2005
Headquarters: Stockholm, Sweden
Services: Flexible Payment Plans; Buy Now Pay Later
What they do: Klarna is one of the largest buy now, pay later (BNPL) providers, enabling online shoppers to split purchases into flexible payment options through its mobile app and checkout integration. The company’s core offering, Pay in 4, allows customers to divide purchases into four interest-free installments paid over six weeks. Klarna also offers Pay in 30 days and extended payment plans spanning three to 24 months, all without hidden fees.
Founded: 2018
Headquarters: Cedar Falls, Iowa
Services: Payment Processing
What they do: Moov Financial allows businesses to embed payments functionality for a broad range of use cases into their products. The platform has a toolbox of options developers can take advantage of to bring their users features like sending and receiving money, wallets for storing funds, virtual cards and real-time balance updates. Companies can also get their product to market faster by using Moov Drops, a selection of secure, pre-built UI components for payments that can be quickly incorporated into a product.
Founded: 2013
Headquarters: New York, New York
Services: On-Chain Finance
What they do: Circle is a financial technology platform that builds the infrastructure for internet-native payments and digital commerce. The company is best known for issuing USDC, a U.S. dollar-pegged stablecoin that allows businesses to settle transactions globally in real time. By providing secure developer tools and compliant blockchain networks, Circle enables enterprises and modern applications to build scalable financial services on-chain.
Founded: 2016
Headquarters: Pasadena, California
Services: Lending; Payment Processing
What they do: Operating in the veterinary space with a care-now, pay-later business model, Scratch Financial works with a large network of pet care practices across the U.S. and Canada. Its patient lending and payment processing platform works to make paying for pet care more accessible. Its financing solution is available in over 17,000 veterinary practices.
Founded: 1999
Headquarters: Chicago, Illinois
Services: Digital Trading; Risk Management
What they do: Geneva Trading is a global proprietary trading firm that provides algorithmic and discretionary teams with the high-fidelity data and sophisticated risk infrastructure needed to scale their strategies. Instead of restricting traders to a single niche, Geneva’s multi-asset platform spans traditional commodities, fixed income and modern digital markets. By pairing an ultra-low latency execution engine with a collaborative, partnership-driven approach to risk management, the firm helps traders more seamlessly deploy proprietary analytical tools across OTC markets, listed derivatives and electronic exchanges worldwide.
Founded: 1899
Headquarters: Wilmington, Delaware
Services: Tax Assistance; Asset Management; Business Administration
What they do: CSC provides global business administration, compliance and tax solutions to Fortune 500 companies and alternative asset managers. Its Corptax platform offers cloud-based corporate tax compliance, provision and analytics capabilities, combining traditional corporate services with digital tax technology.
Founded: 2021
Headquarters: New York, New York
Services: Lending; Software Management
What they do: Gynger provides AI-powered financing for software and infrastructure purchases, enabling startups and growing companies to access capital for their technology spending. The platform offers automated underwriting and flexible payment options — including lines of credit and debt financing — allowing customers to pay SaaS vendors upfront while spreading repayment over three to 12 months. Gynger consolidates software expenses into a unified dashboard and serves companies of all sizes, with particular success among startups.
Founded: 2017
Headquarters: Fully Remote
Services: Business Insurance
What they do: Pie Insurance focuses on providing small business insurance throughout the United States. Its proprietary artificial intelligence and machine learning models analyze hundreds of data points — replacing traditional class-code-based pricing — to quote and bind policies faster than legacy carriers. Pie Insurance operates as a direct-to-consumer and agent-channel platform, providing workers comp, commercial auto, general liability and more.
Founded: 2011
Headquarters: Seattle, Washington
Services: International Money Transfers; Mobile Payments
What they do: Remitly operates an intuitive platform that simplifies the process of sending money to loved ones overseas and across borders, offering several ways to send and receive funding across a variety of currencies. Featuring bank deposit, cash pickup, home delivery and mobile money services with immediate payments available, Remitly offers low fees, quality exchange rates and even Passbook, a modern banking experience designed specifically for immigrants.
Founded: 2014
Headquarters: San Francisco, California
Services: Private Market Liquidity
What they do: Forge operates a secondary marketplace enabling transparent, accessible trading in private company securities. The platform connects individual investors, employees and institutions to buy and sell pre-IPO shares, addressing liquidity constraints in private markets. The company also offers institutional trading via Forge Pro and liquidity programs for employee shareholders.
Founded: 2020
Headquarters: New York, New York
Services: Claiming Tax Incentives
What they do: Through a combination of AI capabilities and human expertise, Onshore works with finance teams on maximizing their organizations’ tax incentives. It aims to deliver audit-ready work that supports finance leaders and business owners across industries ranging from agriculture to real estate and has helped identify more than $800 million in tax incentives.
Founded: 2018
Headquarters: Scottsdale, Arizona
Services: Wealth Management
What they do: Amplify Platform provides a AI-native wealth management operating system that unifies data and automates workflows for financial advisors and enterprise firms. The platform connects fragmented technology stacks into a single source of truth, eliminating data conflicts and operational blind spots, delivering insights to inform trading, rebalancing and risk management.
Founded: 2010
Headquarters: Schaumburg, Illinois
Services: Credit, Collections and Accounts Receivable Management; Billing
What they do: Bectran is a B2B SaaS platform automating credit, collections and accounts receivable management for enterprises managing complex order-to-cash operations. The platform combines AI-powered decisioning, fraud prevention and process automation to help finance teams reduce credit decision times while accelerating cash flow.
Founded: 2015
Headquarters: Chicago, Illinois
Services: Investing
What they do: Halo Investing aims to democratize access to protective investment solutions, including structured notes, annuities and buffered ETFs. Its multi-issuer marketplace connects financial advisors and institutions with more than 40 global banking and insurance partners. Halo’s technology-first approach disrupts traditional portfolio construction by making sophisticated protective strategies accessible to advisors worldwide.
Founded: 2021
Headquarters: Austin, Texas
Services: Payment Processing; Money Transfers
What they do: ePayPolicy offers tools designed for the insurance sector. Used by individual insurance agents, agencies, brokers and companies, its ePayPolicy software enables these organizations to accept credit card and ACH payments online, streamline accounts receivable and payable processes and accelerate fund transfers — often delivering payments in one to two business days compared to traditional check processing. By removing friction from the billing cycle, these capabilities directly improve cash flow and enhance client retention.
Founded: 2018
Headquarters: New York, New York
Services: Digital Trading; Investments; Asset Management
What they do: Clear Street is a capital markets platform where customers can complete transactions involving U.S. equities and options. Its platform enables institutional clients — including traders, family offices, hedge funds and broker-dealers — to execute transactions across equities, options, futures, fixed income and digital assets with real-time transparency and integrated risk management. The company has also expanded to 24/6 trading, extending operations internationally in the United Kingdom and Asia-Pacific region.
Founded: 2006
Headquarters: Amsterdam, Netherlands
Services: Payment Processing; Fraud Detection
What they do: Adyen enables businesses to accept payments online and in-person, detect and prevent fraud through machine learning-powered risk management, as well as gain data-driven insights into customer behavior. The company processes massive global transaction volumes across an extensive network of international currencies and local payment methods, serving enterprises spanning retail, travel, and financial services.
Frequently Asked Questions
What is a fintech company?
A fintech company is a company that uses technology to enhance and automate financial services for business and consumer use.
What is the biggest fintech company?
Stripe is one of the biggest fintech companies in operation, processing over $817 billion in transactions in 2022.
What is an example of a fintech company?
Cash App, Chime, SoFi and Venmo are all examples of fintech companies.
