10 Top Fintech Startups in 2022

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Here at Startup Savant, we love startup culture. That’s why we identified the most exciting, innovative, and creative fintech companies to watch in 2022 and beyond. From banking for Gen Zers to platforms to invest in artwork — these are the top fintech startups to follow.

Recommended: Learn how to launch your own company by reading our comprehensive guide, How to Start a Startup.

Top Fintech Companies to Follow

Every year, new startups pull to the forefront of their industry through exciting innovation and industry-disrupting business models. We’ve rounded up the most exciting fintech startups of 2022 that startup-lovers, investors, and aspiring entrepreneurs should follow.

Disclaimer: With so many exciting startups launching and growing worldwide, we aren’t able to cover them all. Furthermore, the startups that are listed below are not officially ranked and are listed in no particular order.

1. Fast

Location: San Francisco, California
Funding: Undisclosed, $124.5M

Fast is a fintech startup that is speeding up the way consumers shop online with one-click purchasing capabilities that boast superior safety and tracking features all on one easy-to-navigate platform.

2. Spiff

Location: Sandy, Utah
Funding: Series B, $62 Million

Spiff is a financial software that utilizes machine learning to help businesses manage enterprise resource planning (ERP), payments, and payroll as well as effectively connect systems to match records and generate more sales — all on one platform.

3. TrueLayer

Location: London, United Kingdom
Funding: Series D, $141.8 Million

TrueLayer is a fintech platform and app development startup that works to help empower companies to create impactful financial apps. Users can create apps for payments, online lending, personal finance management, investment services, and more.

4. Digit

Location: San Francisco, California
Funding: Series C, $66.3 Million

Digit is a finance app that helps users better understand and manage their money. By analyzing each user’s unique spending habits and budget, the app then saves the perfect amount of money each day to get the user closer to their financial goals and eliminate the stress and anxiety of money management.

5. Thought Machine

Location: London, United Kingdom
Funding: Series B, $148.6 Million

Thought Machine is a fintech company that creates cloud-based technology to revolutionize the banking industry by solving one of the most common issues: the industry’s reliance on IT software that hinders their ability to better serve their clients. Thought Machine’s primary product is its retail banking platform Vault.

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6. Truebill

Location: Silver Spring, Maryland
Funding: Series D, $83.9 Million

Truebill is an AI-powered finance app that empowers users to effectively manage their finances and achieve their financial goals. On the app, users can find, track, and pay subscriptions, recurring bills, and more.

7. Nuri

Location: Berlin, Germany 
Funding: Series B, $49.7 Million

Nuri is a fintech startup that aims to create a new reality in banking by offering users a platform to invest in cryptocurrency while earning up to 5% interest back on bitcoin per year. Plus, users gain access to their own free German bank account with a Visa debit card included.

8. Rally

Location: New York, New York
Funding: Debt Financing, $109.1 Million

Investing in collectibles is made easy using the Rally platform. Built to support both buying and selling equity shares in collective assets, Rally offers services to members of all income levels looking to invest in collectibles such as sports cards, wine, and first-edition literature.

9. CapWay

Location: Atlanta, Georgia
Funding: Seed, $145,000

CapWay is a digital banking startup that aims to financially empower underserved communities. Communities without access to banking and those who are ready to leave traditional banking behind in favor of something more customer-focused will benefit from CapWay.

10. Arthena

Location: New York, New York
Funding: Series A, $1.2 Million

Arthena is a fintech startup that helps clients make technology-powered, well-researched art market investments. Leveraging the power of machine learning and an advanced data pipeline, Arthena boasts an ever-evolving system to ensure customers make smart and valuable art investments.

Recommended: Check out our full list of the hottest startups to watch in 2022!