50 Top Fintech Startups to Watch in 2026

The fintech industry is having a strong 2026. After declining for four consecutive years, global fintech funding rebounded in 2025 to $52.7 billion, the sector’s highest annual level since 2022, according to CB Insights.

But the companies pulling ahead aren’t just the loudest. They’re the ones solving specific, expensive problems for businesses and everyday people, often quietly and with sharp focus.

Forbes’ 2026 Fintech 50 reflects this shift. Tools built for businesses (think banking platforms for startups or software for Wall Street firms) make up almost half the list. Newer areas like prediction markets, identity verification, and stablecoin payments are pulling fresh attention from investors and customers.

The list below covers the best fintech startups to watch this year. Each company is privately held, growing, and solving a real problem worth understanding. We’ve included founders, funding details, investors, and what each company actually does so you can spot patterns, find inspiration, or invest with more context.

What’s Shaping Fintech in 2026

Before you dive into the full list, here’s what’s actually moving the industry this year:

Business banking is the biggest story. Companies like Mercury and Ramp are reshaping how startups and small businesses handle money. Investor focus has shifted toward mid-to-late-stage B2B fintech, with mega-rounds accounting for 40% of Q3 2025 fintech funding, according to CB Insights.

Prediction markets went mainstream. Polymarket and Kalshi turned event-based trading (think trading on the outcomes of elections, sports, or economic events) into a real category. Both became unicorns in 2025, and Kalshi alone now processes around $178 billion in annualized trading volume.

Stablecoins are becoming infrastructure. Stablecoins are digital currencies tied to the dollar or other stable assets. Companies like Rain are building the systems that power stablecoin payments at scale, with valuations tripling in months as rules become clearer.

AI is changing how fintech works. AI-enabled fintechs captured 23% of Q3 2025 fintech funding, the highest share since Q4 2023, per CB Insights. Five of the 10 largest fintech equity deals that quarter went to companies deploying AI heavily. Companies like Monarch (personal finance), Socure (identity verification), and FlyFin (freelancer taxes) are winning by using AI to solve one problem really well.

Insurance tech is quietly growing. Coalition and Honeycomb Insurance are pulling real revenue from corners of insurance that big players ignored: cyber attacks, home renters, and small business coverage.

The companies below reflect these shifts. Some you’ll recognize. Others are quietly growing into the next wave.

50 Best Fintech Startups to Watch in 2026

Disclaimer: With so many exciting fintech startups launching and growing worldwide, we aren’t able to cover them all. The startups listed below are not officially ranked and appear in no particular order. Total funding figures reflect cumulative disclosed equity financing as of May 2026. Figures exclude debt facilities, credit lines, AUM, and token raises.

1. Mercury

• Location: San Francisco, California
• Founders: Immad Akhund, Jason Zhang, Max Tagher
• Founded In: 2017
• Total Funding: ~$700 Million
• Latest Round: Series D, $200 Million
• Investors Include: TCV, Andreessen Horowitz, Sequoia Capital, Spark Capital, Coatue

Mercury* is a digital banking platform built for growing startups. The suite includes cash flow management, payments processing, and analytics, all delivered through an online platform designed for flexibility and speed.

*Disclaimer: Mercury is a fintech company, not an FDIC-insured bank. Checking and savings accounts are provided through bank partners Choice Financial Group and Column N.A. Members FDIC. Deposit insurance covers the failure of an insured bank. Checking and savings account deposits may be held by sweep network banks. Certain conditions must be satisfied for pass-through insurance to apply.

2. Capchase

• Location: New York, New York
• Founders: Miguel Fernandez, Luis Basagoiti, Ignacio “Guli” Moreno, Przemek Gotfryd
• Founded In: 2020
• Total Funding: $230 Million
• Latest Round: Series B, $80 Million
• Investors Include: QED Investors, Invesco, Thomvest Ventures, 01 Advisors

Capchase helps enterprise tech companies close deals faster by financing buyers at the point of sale. Sales teams generate quotes inside Salesforce, run a credit check on the buyer, and create loan documents in minutes, with 97% of applications approved in under 30 seconds. Vendors get paid upfront and in full while buyers pay over time. Customers include Palo Alto Networks, Barracuda, CDW, and Insight, and the platform has processed more than $2 billion in financing volume across nine countries.

3. TrueLayer

• Location: London, United Kingdom
• Founders: Francesco Simoneschi, Luca Martinetti
• Founded In: 2016
• Total Funding: $322 Million
• Latest Round: Series E, $130 Million
• Investors Include: Tiger Global Management, Stripe

TrueLayer is a fintech platform that helps companies create financial apps. Users can build apps for payments, online lending, personal finance management, investment services, and more.

4. Lili

• Location: New York, New York
• Founders: Lilac Bar David, Liran Zelkha
• Founded In: 2018
• Total Funding: $80 Million
• Latest Round: Series B, $55 Million
• Investors Include: Group 11, Target Global, Foundation Capital

Lili* is a neobank focused on empowering business owners with mobile banking solutions. The app streamlines financial management with expense tracking, tax tools, and early access to funds.

*Disclaimer: Lili is a financial technology company, not a bank. Banking services provided by Sunrise Banks N.A., Member FDIC.

5. Daffy

• Location: Silicon Valley (Los Altos, California)
• Founders: Adam Nash, Alejandro Crosa
• Founded In: 2020
• Total Funding: $22 Million
• Latest Round: Venture, $7 Million
• Investors Include: XYZ Capital, Coinbase Ventures, Reid Hoffman, Aaron Levie, Amy Chang

With Daffy, donor-advised funds (DAFs) are more accessible than ever. Co-founded by former Wealthfront CEO Adam Nash, Daffy gives anyone a low-cost way to invest in charities of their choice.

6. Parafin

• Location: San Francisco, California
• Founders: Sahill Poddar, Ralph Furman, Vineet Goel
• Founded In: 2020
• Total Funding: $190 Million
• Latest Round: Series C, $100 Million
• Investors Include: Redpoint Ventures, Notable Capital, Thrive Capital, Ribbit Capital, GIC

Parafin powers the embedded capital programs behind names like DoorDash Capital, Walmart, and Mindbody Capital, letting platforms offer financing to their small business sellers through a single integration. Founded by three former Robinhood employees, the company has funded close to $1 billion a year for small businesses across the US and Canada and grew transaction volumes 400% between its Series B and Series C.

7. Zolve

• Location: Bangalore, India
• Founders: Raghunandan G
• Founded In: 2020
• Total Funding: $106 Million
• Latest Round: Series B, $51 Million
• Investors Include: Accel, Tiger Global Management, Lightspeed India Partners

Zolve is a fintech startup connecting non-US citizens with financial services they need to thrive in the States. From opening a US checking account to securing an auto loan, Zolve has provided services to thousands of international users through its neobanking platform.

8. Rally

• Location: New York, New York
• Founders: Christopher Bruno, Maximilian Niederste-Ostholt, Rob Petrozzo
• Founded In: 2016
• Total Funding: $112 Million
• Latest Round: Series B, $30 Million
• Investors Include: Accel, Upfront Ventures, LionTree

Investing in collectibles is easier with Rally. 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 sports cards, wine, and first-edition literature.

9. Común

• Location: New York, New York
• Founders: Andrés Santos, Abiel Gutiérrez
• Founded In: 2021
• Total Funding: $26 Million
• Latest Round: Series A, $30.5 Million
• Investors Include: Redpoint Ventures, Costanoa Ventures, FJ Labs, RTP Global, South Park Commons

Común is a Spanish-first neobank built for Latino immigrants in the US. The app lets customers open an account using one of 100 Latin American ID types, including foreign passports, and offers checking accounts, Visa debit cards, direct deposits, and free ATM access without requiring a Social Security number. Active customers have grown roughly 52% month-over-month, and the platform crossed $1 billion in annualized payment volume.

10. Polymarket

• Location: New York, New York
• Founders: Shayne Coplan
• Founded In: 2020
• Total Funding: $2.3 Billion
• Latest Round: Strategic Investment, $2 Billion
• Investors Include: Founders Fund, Intercontinental Exchange (ICE)

Polymarket is a prediction market platform that lets users trade on the outcomes of real-world events, from elections and policy decisions to sports and cryptocurrency prices. The company has acquired QCEX and Dome to expand its infrastructure and now operates as one of the largest event-based trading platforms in the world.

11. Revolut

• Location: London, United Kingdom
• Founders: Nikolay Storonsky, Vlad Yatsenko
• Founded In: 2015
• Total Funding: $2.89 Billion
• Latest Round: Series F, $1 Billion
• Investors Include: Greenoaks Capital, Coatue, Dragoneer

Revolut is an all-in-one app that handles day-to-day spending. Users can send or request money, earn rewards as they spend, access physical cards, and invest. The platform supports crypto trading and lets users buy gold or silver instantly through the app.

12. Debbie

• Location: Miami, Florida
• Founders: Frida Leibowitz, Rachel Lauren
• Founded In: 2021
• Total Funding: $8 Million
• Latest Round: Seed, $5.3 Million
• Investors Include: TruStage Ventures, Reseda Group, One Way Ventures, Zeal Capital Partners

Debbie created a reward system for debt repayment. The platform helps users build a custom debt freedom plan and rewards them for sticking to their goals. Once credit cards are connected, users can track spending and see a visual representation of their progress. Weekly challenges and cash rewards keep the momentum going.

13. Novo

• Location: Miami, Florida
• Founders: Michael Rangel, Tyler McIntyre
• Founded In: 2016
• Total Funding: $298 Million
• Latest Round: Series B, $90 Million
• Investors Include: GGV Capital, Crosslink Capital

Novo* provides banking solutions for small businesses. The platform offers fee-free banking, integrated financial tools, and customer support designed to simplify financial management for entrepreneurs.

*Disclaimer: Novo is a fintech platform, not an online bank. Banking services provided by Middlesex Federal Savings F.A.; Member FDIC.

14. Stori

• Location: Mexico City, Mexico
• Founders: Bin Chen, GY Liu, Manuel Medina, Marlene Garayzar, Nick Chen, Sherman He
• Founded In: 2017
• Total Funding: $305 Million
• Latest Round: Series C, $105 Million
• Investors Include: GGV Capital, BAI Capital

For citizens of Mexico, Stori is a digital platform that provides credit card solutions to underserved customers. Even those with bad credit can get approved with Stori and access a line of credit worth up to $10,000 MXN. There’s an opening fee of $0 to $500 MXN, but no annuity payments. Users have to pay with the card at least once a month and pay the minimum to grow their credit line.

15. Kalshi

• Location: New York, New York
• Founders: Luana Lopes Lara, Tarek Mansour
• Founded In: 2018
• Total Funding: $2.6 Billion
• Latest Round: Series F, $1 Billion
• Investors Include:  Y Combinator, Coatue, Sequoia Capital

Kalshi is a federally regulated prediction market that lets users trade on outcomes like inflation rates, unemployment numbers, and government decisions. The platform now processes around $178 billion in annualized trading volume, and institutional participation has grown roughly 800% since 2025, turning event-based trading into a serious financial category.

16. Justt

• Location: Tel Aviv, Israel
• Founders: Roenen Ben-Ami, Ofir Tahor
• Founded In: 2020
• Total Funding: $100 Million
• Latest Round: Series C, $30 Million
• Investors Include: Zeev Ventures, Oak HC/FT, F2 Venture Capital

Justt uses AI to automate chargeback disputes for online merchants, recovering revenue that would otherwise be lost to fraudulent or mistaken claims. The platform analyzes over 500 data points per dispute, tailors responses to each card scheme and issuer, and learns from every outcome to improve win rates over time. Customers include Best Buy, Klarna, and DoorDash, alongside more than 80,000 SMB merchants.

17. Vivid

• Location: Berlin, Germany
• Founders: Alexander Emeshev, Artem Iamanov
• Founded In: 2019
• Total Funding: $204.6 Million
• Latest Round: Series C, $114 Million
• Investors Include: SoftBank Vision Fund, Greenoaks Capital, Ribbit Capital, DST Global

Vivid is a European financial platform that combines spending, saving, and investing in a single app. Originally a consumer neobank in Germany, Vivid now focuses on small and medium-sized businesses across Europe with business accounts, payment cards, cashback rewards, and access to stocks, crypto, and precious metals from as little as one cent.

18. Alloy

• Location: New York, New York
• Founders: Tommy Nicholas, Charles Hearn, Laura Spiekerman
• Founded In: 2015
• Total Funding: $211 Million
• Latest Round: Series C, $52 Million
• Investors Include: Lightspeed Venture Partners, Bessemer Venture Partners, Avenir Growth, Canapi Ventures

Alloy is an identity decisioning platform that helps banks and fintechs verify customers, automate compliance, and prevent fraud through a single API. Over 600 financial institutions use the platform, including Ally Bank, Ramp, and Evolve Bank, and Alloy expanded into 40 countries across North America, EMEA, LATAM, and APAC. In 2025, the company launched Fraud Attack Radar, an AI-powered tool that flags coordinated fraud attempts in real time.

19. Plaid

• Location: San Francisco, California
• Founders: William Hockey, Zachary Perret
• Founded In: 2013
• Total Funding: $1.3 Billion
• Latest Round: Tender Offer, $575 Million
• Investors Include: New Enterprise Associates, BlackRock, Fidelity Management & Research, Franklin Templeton

Plaid is a behind-the-scenes financial mediator between institutions and the people who use them. It provides developers with tools that connect financial institutions to the apps consumers use every day, creating a secure way for people to make financial decisions around the globe.

20. Bilt

• Location: New York, New York
• Founders: Ankur Jain
• Founded In: 2021
• Total Funding: ~$958 Million
• Latest Round: Series C, $250 Million
• Investors Include: General Catalyst, GID

Bilt is a membership and loyalty program that lets renters earn rewards on rent and homeowner association payments. The platform partners with major residential property owners to cover millions of homes and connects renters to tens of thousands of merchants, giving people a path to homeownership through everyday spending.

21. Monzo

• Location: London, United Kingdom
• Founders: Gary Dolman, Jason Bates, Jonas Huckestein, Paul Rippon, Tom Blomfield
• Founded In: 2015
• Total Funding: $1.81 Billion
• Latest Round: Series I, $610 Million
• Investors Include: Accel, Alpha Wave Ventures

Monzo offers an all-in-one financial app that gives users fee-free access to their money. The smart hub covers spending, saving, and managing funds from a smartphone. The platform is easy to use and includes a suite of budgeting tools for long-term financial planning.

22. Imprint

• Location: New York, New York 
• Founders: Daragh Murphy, Gaurav Ahuja 
• Founded In: 2020 
• Total Funding: ~$352 Million 
• Latest Round: Series D, $150 Million 
• Investors Include: Khosla Ventures, Thrive Capital, Ribbit Capital, Kleiner Perkins

Imprint builds co-branded credit card and loyalty programs for consumer brands, letting companies like Brooks Brothers, Eddie Bauer, and H-E-B launch their own cards in months rather than the year or more legacy issuers typically require. The platform handles the technology, underwriting, and rewards behind each program, and the company reached unicorn status in late 2025 with a $1.2 billion valuation. 

23. Column

• Location: San Francisco, California 
• Founders: William Hockey, Annie Hockey 
• Founded In: 2022 
• Total Funding: Bootstrapped (no disclosed venture funding)
•  Latest Round: N/A 
• Investors Include: N/A

Column is a nationally chartered bank built from the ground up for developers. Co-founded by William Hockey, who previously co-founded Plaid, and Annie Hockey, the company bought a small chartered bank and rebuilt its core technology from scratch, letting fintechs and businesses launch banking products, originate loans, and move money directly rather than working through middleware providers. 

24. Highnote

• Location: San Francisco, California
• Founders: John MacIlwaine, Kin Kee
• Founded In: 2020
• Total Funding: $145 Million
• Latest Round: Series B, $90 Million
• Investors Include: Adams Street Partners, Oak HC/FT, Costanoa Ventures, WestCap

Highnote is a unified payments platform that lets businesses issue cards, accept payments, manage credit, and move money through a single integrated system. Founded by former Braintree executives, the company gives enterprises and fintechs the infrastructure to launch card programs and embed payments in their own products without piecing together legacy providers.

25. Coalition

• Location: San Francisco, California
• Founders: Joshua Motta, John Hering
• Founded In: 2017
• Total Funding: $800 Million
• Latest Round: Series F, $30 Million
• Investors Include: Allianz, Valor Equity Partners, Ribbit Capital

Coalition combines cyber insurance with active risk management software, giving businesses protection against digital threats and a platform to monitor and prevent them. The Coalition Control platform pulls in real-time threat data, scans for vulnerabilities, and alerts customers before attacks happen. The company offers coverage across the US, UK, Canada, and Australia.

26. Slope

• Location: San Francisco, California 
• Founders: Lawrence Lin Murata, Alice Deng 
• Founded In: 2021 
• Total Funding: ~$77 Million 
• Latest Round: Series B, $30 Million 
• Investors Include: Union Square Ventures, Y Combinator, J.P. Morgan Payments

Slope is a B2B payments platform that automates the entire order-to-cash process for businesses, using AI to handle checkout, risk assessment, and net-terms financing in a single API. The platform lets companies offer their business customers flexible payment terms at checkout, and powers embedded financing programs for partners including Amazon, Samsung, and ShipBob. 

27. Luma Financial Technologies

• Location: Cincinnati, Ohio
• Founders: Timothy J. Bonacci
• Founded In: 2018
• Total Funding: $70 Million
• Latest Round: Series C, $63 Million
• Investors Include: Sixth Street Growth, Bank of America, Morgan Stanley, UBS, TD Bank Group

Luma Financial Technologies built a set of financial tools for financial advisors, helping them learn about, buy, create, and track any structured product or annuity. Advisors can mitigate risks, replace spreadsheet processes, customize requirements and workflows, and track performance from one central platform.

28. Tabby

• Location: Riyadh, Saudi Arabia
• Founders: Hosam Arab, Daniil Barkalov
• Founded In: 2019
• Total Funding: $604 Million
• Latest Round: Series E, $160 Million
• Investors Include: Wellington Management, PayPal Ventures, STV

Tabby is a buy now, pay later platform serving the Middle East and North Africa. The app lets shoppers split purchases into interest-free installments across thousands of retail partners, and has grown into one of the largest fintech companies in the region with millions of active users.

29. Human Interest

• Location: San Francisco, California
• Founders: Roger Lee, Paul Sawaya
• Founded In: 2015
• Total Funding: $700 Million
• Latest Round: Series E, $267 Million
• Investors Include: BlackRock, TPG, SoftBank Vision Fund

Human Interest provides an embedded retirement platform that lets payroll providers, financial institutions, and accountants offer 401(k) plans through their own products. The company serves nearly 50,000 companies and covers about 2 million employees, with no transaction fees and a cash-back program for plan participants.

30. Finotta

• Location: Overland Park, Kansas
• Founders: Parker Graham
• Founded In: 2018
• Total Funding: $3.35 Million
• Latest Round: Seed, $3 Million
• Investors Include: N/A

Built for financial institutions, Finotta is an app that suggests actions a business can take to better serve customers and grow revenue. The app keeps customers engaged with games and tools that help improve their financial picture.

31. Ramp

• Location: New York, New York
• Founders: Eric Glyman, Gene Lee, Karim Atiyeh
• Founded In: 2019
• Total Funding: $2.3 Billion
• Latest Round: Series E-III, $300 Million
• Investors Include: Spark Capital, Declaration Partners

Businesses of every size and industry can use Ramp‘s automation tools. The platform offers spend insights, capital, and controls that save time and money across finance operations.

32. Socure

• Location: Incline Village, Nevada
• Founders: Sunil Madhu, Johnny Ayers
• Founded In: 2012
• Total Funding: $650 Million
• Latest Round: Series E, $450 Million
• Investors Include: Accel, Commerce Ventures, Capital One Ventures

Socure uses artificial intelligence and machine learning to verify digital identities, prevent fraud, and ensure compliance. The platform serves over 3,000 customers, including 18 of the top 20 US banks, and completed more than 5 billion identity verifications in 2025.

33. FlyFin

• Location: San Jose, California
• Founders: Jaideep Singh, Sachin Rajendra
• Founded In: 2020
• Total Funding: $8 Million
• Latest Round: Seed, $8 Million
• Investors Include: Accel, Alpha Wave Global

Completing taxes as a freelancer involves complex tracking and lengthy filing periods. FlyFin uses AI to track every tax deduction, and pairs the software with real CPAs to ensure 100% correct filing.

34. Settle

• Location: San Francisco, California
• Founders: Aleksander Koenig
• Founded In: 2019
• Total Funding: $98.7 Million
• Latest Round: Series B, $60 Million
• Investors Include: Ribbit Capital, Kleiner Perkins, Stripes

Settle gives ecommerce owners a single place to pay bills, manage invoices, and track payments. The company supports multiple payment options and provides financial flexibility that’s hard to find elsewhere.

35. UNest

• Location: North Hollywood, California
• Founders: Ksenia Yudina
• Founded In: 2018
• Total Funding: $40 Million
• Latest Round: Series B, $26 Million
• Investors Include: Franklin Templeton Investments, The Artemis Fund, Northwestern Mutual Future Ventures

UNest is built around creating a financial future for children. The company gives parents a way to open investment accounts for their kids and build a nest egg for college, a first car, or a future wedding.

36. Monarch

• Location: San Francisco, California
• Founders: Val Agostino, Jon Sutherland, Ozzie Osman
• Founded In: 2018
• Total Funding: $95 Million
• Latest Round: Series B, $75 Million
• Investors Include: SignalFire, Accel, FPV Ventures

Monarch is a personal finance platform that helps users track spending, set goals, and plan their financial future with help from an AI assistant. With around 500,000 paying subscribers, the company has become a popular alternative to legacy budgeting apps.

37. Zerohash

• Location: Chicago, Illinois
• Founders: Edward Woodford
• Founded In: 2017
• Total Funding: $275 Million
• Latest Round: Series D-2, $104 Million
• Investors Include: Interactive Brokers, Morgan Stanley, Apollo, SoFi, Bain Capital

Zerohash builds the backend infrastructure that lets banks, brokerages, and fintechs offer crypto, stablecoin, and tokenization services to their customers. The company powers products for Stripe, Kalshi, BlackRock, and Franklin Templeton, and recently hit unicorn status with a $104 million round led by Interactive Brokers as Wall Street firms pile into blockchain infrastructure.

38. Rain

• Location: New York, New York
• Founders: Farooq Malik, Charles Mountain
• Founded In: 2021
• Total Funding: $338 Million
• Latest Round: Series C, $250 Million
• Investors Include: Norwest Venture Partners, Galaxy Ventures, ICONIQ

Rain helps companies use stablecoins for payments, payroll, and treasury operations. The platform makes it easier for businesses to send and receive payments globally without the delays and fees of traditional banking, and recently tripled its valuation to $1.95 billion as stablecoin adoption accelerated.

39. R3

• Location: New York, New York
• Founders: David Rutter, Todd McDonald
• Founded In: 2014
• Total Funding: ~$120 Million
• Latest Round: Series A, $107 Million
• Investors Include: CLS, Barclays Corporate Banking

R3 is a tokenization platform that brings real-world assets and capital into the digital world for global financial markets. The platform provides expert guidance for institutional investors to digitize their assets.

40. HoneyBook

• Location: San Francisco, California
• Founders: Dror Shimoni, Naama Alon, Oz Alon, Shadiah Sigala
• Founded In: 2013
• Total Funding: $479 Million
• Latest Round: Series E, $250 Million
• Investors Include: Tiger Global Management, Durable Capital Partners

HoneyBook is a payment processing company that helps businesses manage clients’ contracts, inquiries, and invoices. Through HoneyBook, businesses can streamline every part of their clientflow on a single platform.

41. Increase

• Location: Bend, Oregon
• Founders: Darragh Buckley 
• Founded In: 2020 
• Total Funding: Undisclosed
• Latest Round: N/A 
• Investors Include: Y Combinator

Increase is banking infrastructure that lets fintechs and businesses move money, store deposits, and access payment rails without building direct bank connections. Founded by Darragh Buckley, the first employee at Stripe, the company operates its own banking core and connects directly to the Federal Reserve, exposing ACH, wire, real-time payments, and card issuing through a single API. 

42. Maybern

• Location: New York, New York
• Founders: Ross Mechanic, Ashwin Raghu
• Founded In: 2020
• Total Funding: $76 Million
• Latest Round: Series B, $50 Million
• Investors Include: Battery Ventures, Addition

Maybern builds operating software for private equity, private credit, and real estate firms. The platform replaces the spreadsheets and outdated tools that fund managers have historically relied on, giving them a modern way to manage capital, track performance, and report to investors.

43. Flutterwave

• Location: San Francisco, California
• Founders: Iyinoluwa Aboyeji, Olugbenga Agboola
• Founded In: 2016
• Total Funding: $475 Million
• Latest Round: Series D, $250 Million
• Investors Include: B Capital, Avenir Growth Capital

Built for merchants, enterprises, and payment service providers, Flutterwave is a marketplace where companies can list products, accept payments, and more. Businesses can choose from a range of products, including online checkout and secure payment processing.

44. Rapyd

• Location: London, United Kingdom
• Founders: Arik Shtilman, Arkady Karpman, Omer Priel
• Founded In: 2016
• Total Funding: $1.01 Billion
• Latest Round: Series F, $500 Million
• Investors Include: General Catalyst, Tiger Global Management, BlackRock

Rapyd is a fintech company that simplifies digital payments by letting users integrate fintech services into mobile apps. From a single platform, users can accept, send, and hold funds from anywhere in the world.

45. Pinwheel

• Location: New York, New York
• Founders: Anish Basu, Curtis Lee, Kurtis Lin
• Founded In: 2018
• Total Funding: $84 Million
• Latest Round: Series B, $50 Million
• Investors Include: GGV Capital, Coatue, Franklin Templeton Investments

Pinwheel uses financial data to improve consumer experiences. Used by financial institutions and crypto companies, the platform lets developers build products through its API, tapping into data that powers better financial services.

46. Antithesis

• Location: Tysons, Virginia
• Founders: Will Wilson, Dave Scherer
• Founded In: 2018
• Total Funding: $182 Million
• Latest Round: Series A, $105 Million
• Investors Include: Jane Street, Tamarack Global

Antithesis runs autonomous software testing for high-stakes financial systems. The company serves trading firms like Jane Street, using simulation testing to find bugs and vulnerabilities in software before they cause expensive failures. The platform represents a new category of infrastructure for Wall Street and enterprise finance.

47. Episode Six

• Location: Austin, Texas
• Founders: Chermaine Hu, Futeh Kao, John Mitchell
• Founded In: 2015
• Total Funding: $98 Million
• Latest Round: Series C, $48 Million
• Investors Include: Anthos Capital, Avenir Growth Capital

Episode Six helps fintechs and financial institutions build payment solutions that adapt as payment trends change. Partnered with Mastercard, HSBC, and others, Episode Six makes it simpler to create flexible, powerful, and user-friendly financial tools.

48. Honeycomb Insurance

• Location: Chicago, Illinois
• Founders: Itai Ben-Zaken, Nimrod Sadot
• Founded In: 2019
• Total Funding: $54.7 Million
• Latest Round: Series B, $36 Million
• Investors Include: Zeev Ventures, Phoenix Insurance, IT-Farm

Honeycomb Insurance focuses on commercial property insurance for landlords, condominium associations, and small business owners. The company uses AI-driven risk assessment to underwrite policies faster and more accurately than traditional insurers, serving markets that have historically been underserved or overpriced.

49. Deel

• Location: New York, New York
• Founders: Alex Bouaziz, Ofer Simon, Shuo Wang
• Founded In: 2018
• Total Funding: $979 Million
• Latest Round: Series E, $300 Million
• Investors Include: Y Combinator, Andreessen Horowitz, Ribbit Capital

Deel is a financial services startup that provides payroll, compliance, and hiring tools to other businesses. Specializing in support for global teams and used by brands like Dropbox and Shopify, the platform lets companies manage the entire employee lifecycle in one place.

50. Thought Machine

• Location: London, United Kingdom
• Founders: Paul Taylor
• Founded In: 2014
• Total Funding: $706 Million
• Latest Round: Series D, $160 Million
• Investors Include: Eurazeo, ING Ventures, Temasek

Thought Machine creates cloud-based technology to modernize banking by solving one of the industry’s most common issues: outdated IT software that limits how well banks can serve clients. Thought Machine’s primary product is its retail banking platform, Vault.

Final Thoughts

New fintech companies launch every day with technology that shifts how money moves. Their platforms address consumer pain points and build digital solutions that bring more people into the financial system, from small business owners to first-time investors.

This regularly updated list covers some of the most innovative and disruptive financial technology companies scaling within the startup ecosystem today. Whether you’re looking to invest, partner, or work at a fintech company this year, these are the names worth watching.

FAQ