These are the Top Fintech (Financial Technology) Companies in San Francisco (2021)

SoFi

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SoFi is a finance company that offers a range of lending and wealth management services. The company primarily caters to early-stage professionals and offers variable and fixed rate parent, personal, and MBA loans, mortgage refinancing, and more.

They create modern financial products and services that help people borrow, save, spend, invest, and protect their money better so that they can achieve financial independence and realize their ambitions from owning a home to saving for retirement, paying off their student loans, and more. It was founded in 2016 and is headquartered in San Francisco, California..

Plaid

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Plaid is the technology platform providing the tools and access needed for the development of a fully modern, and digitally-enabled financial system. Plaid makes it easier and safer for developers — from the smallest startups to the largest financial institutions — to build innovative financial services and applications.

Plaid offers beautiful consumer experiences, developer-friendly infrastructure, and intelligence tools that give everyone the ability to build the future of financial services. Plaid was launched by William Hockey and Zach Perret in 2012 and is headquartered in San Francisco, California..

Kraken

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Our mission is to accelerate the adoption of cryptocurrency so that you and the rest of the world can achieve financial freedom and inclusion. Founded in 2011 and with over 4 million clients, Kraken is one of the world’s largest, most successful bitcoin exchanges and we’re growing faster than ever.

Our range of successful products are playing an important role in the mainstream adoption of crypto assets. Kraken is a marketplace for digital assets where buyers, sellers, traders and speculators come together to exchange cryptocurrencies like Bitcoin, Ethereum, Litecoin and Ripple against national currencies like USD, EUR, CAD and JPY.

Clients trading larger sizes benefit from our principal Over-the-Counter (OTC) desk and white glove service. Advanced traders and technical analysis wizards can take advantage of our professional charting tools.

Software engineers, botters and hobbyist automators have available both REST and Websocket APIs with which trades can be made and market information obtained. Kraken provides 24/7 live chat support for any questions you have about getting started..

Flutterwave

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Flutterwave provides a payment service for global merchants and payment service providers. It provides technology, infrastructure, and services to enable global merchants, payment service providers, and helps banks and businesses build secure and seamless payment solutions for their customers by smoothening the exchange of funds.

The company was founded in 2016 by Iyinoluwa Aboyeji and Olugbenga Agboola and is headquartered in San Francisco, California.. .

Oxygen

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Oxygen is a digital banking platform. It is the first and only challenger in the US that offers both personal and business banking.

The bank of the 21st-century economy, serving consumers, small businesses, and freelancers. Available on iOS and Android, Oxygen users enjoy no monthly fees, no paperwork, early direct deposit, simple transfers, and cashback rewards on everyday purchases from approved merchants.

Businesses can easily control their finances with solutions that are elegant, simple, and secure.. .

Indiegogo

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IndieGoGo is a global crowdfunding platform that democratizes the way people raise funds for any project such as creative, entrepreneurial, or cause-related. The platform enables individuals and startups to generate pre-sales and collect feedback from early adopters before they manufacture their products.

Since its inception in 2008, Indiegogo has been offering related advice to individuals and startups that seek it and advising corporations on how to staff a team to create and manage a campaign effectively.. .

Credit Karma

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Credit Karma is a personal finance company that’s focused on helping everyone make financial progress. Whether they’re interested in getting a better deal on a loan, looking for ways to save, or simply monitoring their credit, Credit Karma offers a range of tools and personalized recommendations designed to help them make the most of their money.

With more than 100 million members, Credit Karma helps people gain insight into their finances and credit information – and ultimately, improve their financial standing. Credit Karma was established in 2007 and is based in San Francisco, California..

Very Good Security

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VGS is a data security platform that enables allows users to collect, protect, and exchange sensitive data. Its SaaS solution provides users all the benefits of interacting with sensitive and regulated data without the liability of securing it.

The company was founded in 2015 by two engineers who have a long history of payments and security-focused engineering. VGS specializes in developing products that can literally disrupt fin-tech and data-security domains..

Aura Financial

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Aura is a technology-powered, Community Development Financial Institution that provides fair, affordable loans to working families in America. Aura’s mission is to build financially healthy low-income communities, by providing empowering financial services to underbanked and unbanked.

Aura uses its proprietary scoring algorithms to review and approve credit applications and offers free credit scores and personalized expense management guidance to borrowers, allowing the working population to access loans in a simplified manner. Aura was founded in 2014 and is headquartered in San Francisco, California, USA..

Juniper Square

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Juniper Square operates an online based platform for private equity firms to find, raise, and manage capital. It provides an easy-to-use software that streamlines fundraising, investment administration, and investor reporting.

With Juniper Square, clients will improve investor satisfaction, boost fundraising productivity, and save time and money on investment operations. Adam Ginsburg, Alex Robinson, and Yonas Fisseha founded it in 2014, with its headquarters in San Francisco in California..

Carta

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Carta is a transfer agent for private companies that enables seed-stage to pre-IPO companies to manage equity electronically with the participation of their shareholders, employees, auditors, and legal counsel. It digitizes paper stock certificates along with stock options, warrants, and derivatives to create a real-time image of who owns what at a startup.

Carta receives funding from a group of investors, including Draper VC, Expansion VC, k9 Ventures, Elefund, Subtraction Capital, Scott Banister, XG Ventures, Kima Ventures, Andy Palmer, and Structure Capital. It was founded by Manu Kumar and Henry Ward in 2012 as eShares, Carta is based in Mountain View, California..

Metromile

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Metromile is the provider of pay-per-mile car insurance company in the U.S. Powered by data science and machine learning, the company is disrupting a $250 billion auto insurance category.

Metromile is building a loyal community of drivers who come for the savings and stay for the experience. AVA, Metromile’s AI-driven claims system, is designed to speed up the process of verifying and paying out insurance claims.

Using Metromile Pulse sensor data, AVA can reconstruct the scene of an accident to instantly determine if claim details are accurate. When the claim is verified, Metromile is able to automatically approve payments within seconds..

LendingHome

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LendingHome offers fix-and-flip bridge loans and rental loans for real estate investors. Its built-from-scratch technology simplifies every stage of the loan process, ensuring easy financing for both novices and experienced real estate investors.

LendingHome was established in 2014 by James Herbert and Matt Humphrey in San Francisco, California.. .

Lending Club

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Lending Club is an online financial community that brings together creditworthy borrowers and savvy investors so that both can benefit financially. They replace the high cost and complexity of bank lending with a faster, smarter way to borrow and invest.

Founded in 2007, the company is headquartered in San Francisco, California, United States.. .

Brex

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Brex is reimagining financial systems so every growing company can realize their full potential. With the financial OS, new customers can get up and running in minutes with corporate credit cards and cash management in a single, strategic account.

Plus, companies save hours every month with built-in tools and integrations to track spend, and earn points on every card purchase. Launched in 2018, Brex has raised $315M in equity funding alongside $350M in debt financing, and is backed by the likes of Y Combinator Continuity, Kleiner Perkins, and the founders of PayPal.

Headquartered in San Francisco, Brex also has offices in Vancouver, B.C. and the Salt Lake valley.

Brex was founded by Henrique Dubugras and Pedro Franceschi, two engineers who previously founded Pagar.me, one of the largest payment processors in Brazil with over $1.5 billion in GMV.. .

Stripe

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Stripe is a global technology company that builds economic infrastructure for the internet. Businesses of every size from new startups to public companies like Salesforce and Facebook use the company’s software to accept online payments and run complex global operations.

Stripe combines economic infrastructure with a set of applications for new business models like crowdfunding and marketplaces, fraud prevention, analytics, and more. Stripe navigates global regulatory uncertainty and partners closely with internet leaders like Apple, Google, Alipay, Tencent, Facebook, Twitter to launch new capabilities.

Stripe wants to help more companies get started and thrive and ultimately to grow the GDP of the internet. It was founded in 2010 and headquartered in San Francisco, California..

Ripple

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Ripple provides one frictionless experience to send money globally using the power of blockchain. It offers a global real-time payment system that enables banks and financial institutions around the world to directly transact with each other without the need for a central correspondent.

The company also offers FX Market Making, a solution enabling enterprises to gain access to cross-currency liquidity through a distributed network that allows foreign exchange to be externally sourced from a competitive FX marketplace or an internal FX trading desk. This minimizes FX exposure thereby lowering the volatility and counter-party risk of trades.

Ripple Insights features industry updates, insider perspectives, and in-depth market analysis.. .

Plastiq

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Plastiq provides convenient, flexible, and secure payment options. Plastiq makes it possible for business owners and savvy consumers to use a credit card for practically any expense, even ones like rent that normally require a check.

The service makes it easier for cardholders to earn credit card rewards, tap early-payment discounts, and use cash in the ways that make the most sense for their lives. Plastiq is advancing innovative payment solutions to more than 150 countries around the world.

Plastiq was founded in 2012 and is based in San Francisco, California.. .

Coinbase

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Coinbase is an online platform that allows merchants, consumers, and traders to transact with digital currency. It allows its users to create their own bitcoin wallets and start buying or selling bitcoins by connecting with their bank accounts.

In addition, it provides a series of merchant payment processing systems and tools that support many highly-trafficked websites on the internet. Coinbase was launched in 2012 with a mission to create an open financial system for the world.

It is operated from San Francisco, California.. .

Expensify

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Expensify is a financial services startup that provides an online expense management service for businesses worldwide. Expensify is a great solution for both solopreneurs, start ups, SMBs, mid-market companies, and the enterprise.

Expensify’s expense management service does expense reports by importing expenses and receipts from credit cards and emails in conjunction with the Expensify mobile app to take pictures of receipts. Expense reimbursement can be done in-product through ACH Direct Deposit or by exporting reports to a payroll solution.

Expensify’s patented SmartScan technology reads receipts and automatically creates expenses or matches them to transactions imported from a credit card. Expensify was founded by David Barrett in May 2008.

It is based in San Francisco, California.. .

Finix Payments

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Finix Payments is a payment infrastructure platform that gives businesses an alternate way to own, manage, and monetize their entire payments experience without the headaches or expenses associated with building an in-house system from scratch. Payments are the lifeblood of every business, and it is critical to company revenue and customer experience that companies get the underlying technology right.

Through its Visa partnership, Finix also facilitates real-time push-to-card payments. The company was founded in 2015 and is headquartered in San Francisco, California..

Forge

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Forge (formerly Equidate) is a marketplace for private equity, giving private and institutional investors access to top pre-IPO companies.

Conio

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The Conio Bitcoin Wallet lets you buy Bitcoins with a credit card, sell them through a wire transfer, and keep them safe. Available on Google Play, and App Store.

1. Your Bitcoins at hand, always.

With the Conio Bitcoin Wallet you can pay in any shop that accepts Bitcoins, and send them to your friends. All the Bitcoins you want, in the size of a smartphone.

2. You have control.

The Bitcoin price is always up to date, wherever you are, in real time. You can also check the Bitcoin Value in the time frame you want.

3. Buy and sell Bitcoins.

Square

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Square helps anyone take care of their business. Square’s complete register service is a full point of sale with tools for every part of running a business, from accepting credit cards and tracking sales and inventory to small-business financing.

Customers also use Square Cash, the easiest way to send and receive money, and Square Order, a new way to pre-order food and drinks for pickup. Founded in 2009 and headquartered in San Francisco, Square is currently available in the United States, Canada, and Japan..

Figure

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Figure provides consumer financial solutions intended for home improvement, debt consolidation, and retirement planning.

Ripio

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Ripio, formerly known as Bitpagos, is a financial payments company that provides electronic payment solutions for businesses in Latin America. It offers a range of financial services for the emerging markets using the blockchain technology to make a more accessible financial system.

The company helps merchants process international transactions with credit cards or bitcoins for a fraction of the cost as well as consumers buy bitcoins instantly with cash. It deals with clients in Argentina, Brazil, Chile, and Ecuador..

CircleUp

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CircleUp is the investment platform providing capital and resources to innovative, early-stage consumer brands with a modern, scalable approach to private markets. CircleUp is comprised of internally-managed equity funds, a credit program, and an Insights & Connections team – all powered by Helio, CircleUp’s proprietary machine learning platform.

Helio collects and analyzes billions of data points to evaluates 1.3 million consumer businesses and predict future business success.. .

Affirm

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Affirm is a financial technology services company that offers installment loans to consumers at the point of sale. The company was founded with a goal to create honest financial products and services that empower consumers and improve lives.

It aims to revolutionize the banking industry to be more accountable and accessible to consumers. Today, Affirm provides millions of shoppers an alternative to traditional credit cards at the point of sale, giving them the flexibility to buy now and make simple monthly payments for their purchases.

Unlike payment options that have compounding interest and unexpected costs, Affirm shows customers upfront exactly what they’ll pay each month — with no hidden fees and no surprises. Affirm partners with over 2,000 merchants to give shoppers the option to pay with Affirm at checkout including well-known brands across retail including home furnishings, travel, personal fitness, electronics, apparel and beauty, and more.

Loans are made in partnership with Afirm’s originating bank partner Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC. Jeffrey Kaditz, Max Levchin, and Nathan Gettings established the San Francisco, California-based company in 2012..

Varo Money

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Varo is a wholly new digital bank unlike any other in the US market today. Varo is the only US consumer fintech with a national bank charter and is uniquely placed to be the full-service banking partner to the millions of Americans who need a better bank.

Varo uniquely leverages the best of fintech innovation along with the product breadth and security of being a chartered national bank. Varo’s mission since its founding in 2015 has been to provide Americans with the tools, products, and insights to become truly financially resilient, regardless of their background or their current financial situation.

Varo is a true partner in the financial wellbeing of its customers – powered by its tech-driven hyper-efficient business model that passes this efficiency on to the end consumer and ultimately improves the financial wellbeing of communities across the country.. .

Prosper Marketplace

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Prosper is an online lending platform that connects people who want to borrow money with individuals and institutions. Its platform provides lists of loan requests with low, fixed-rate loans and no hidden fees or prepayment penalties, enabling clients to easily gain access to affordable personal loans and investors to earn solid returns via a data-driven underwriting model.

The company was founded in 2005 and is headquartered in San Francisco, California.. .

Nova Credit

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Nova Credit helps you access credit in the U.S. by translating your international credit score into a U.S.-equivalent credit score.

This translated score is made available to U.S. financial institutions so you can apply for credit cards, loans, housing and more without having to build a U.S.

credit score from scratch. Founded by newcomers, the company has a diverse team from around the globe who are creating a world beyond borders to help newcomers arrive and thrive..

Umba

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Umba is an African digital bank, offering free bank accounts and financial services to our customers

Tradeshift

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Tradeshift is a cloud-based business network connecting buyers and suppliers. Its platform enables its clients to connect with all their suppliers digitally in order to seize early payment discounts and minimize risks, eliminating paper and manual processes across procure-to-pay, thereby allowing businesses to simplify supply chain payments in a secure manner.

The company was founded in 2009 and is headquartered in San Francisco, California.. .

Stellar Development Foundation

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Stellar is a decentralized, fast, scalable, and uniquely sustainable network for financial products and services. It is both a cross-currency transaction system and a platform for digital asset issuance, designed to connect the world’s financial infrastructure.

Dozens of financial institutions worldwide issue assets and settle payments on the Stellar network, which has grown to over 4 million accounts. The Stellar Development Foundation (SDF) is a non-profit organization that supports the development and growth of Stellar.

Founded in 2014, the Foundation maintains Stellar’s codebase, supports the technical and business communities building on the network, and serves as a voice to regulators and institutions. The Foundation seeks to create equitable access to the global financial system, using the Stellar network to unlock the world’s economic potential through blockchain technology..

Fundbox

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Fundbox is a B2B payment and credit network that transforms how funding flows.

Veem

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Veem is a payment service provider that helps simplify the way businesses send and receive funds. It offers a platform that enables small businesses to send and receive payments in local currency.

Using blockchain as a payment rail, the company eliminates the need for intermediary banks, reducing costs for small- and medium-sized businesses. It converts the sender’s funds into bitcoin, selling the digital currency at an exchange for the desired currency of the recipient.

Aldo Carrascoso and Marwan Forzley co-founded the company in 2014 and is headquartered in San Francisco, California.. .

HomeLight

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HomeLight helps people in making smart decisions in buying or selling their home. The company’s vision is a world where every real estate transaction is simple, certain, and satisfying.

It develops software and offers services to home buyers, sellers, and real estate agents including HomeLight Agent Matching, the investor matching platform Simple Sale, consumer finance, and lending products through HomeLight Home Loans, and transactional tools through HomeLight Agent Services. HomeLight has helped clients and real estate agents and takes part in real estate business every year.

HomeLight is the objective, end to end platform in real estate that allows individuals to achieve the best outcome from their home transaction. HomeLight has won awards and mentions from Inc.

Magazine’s 2019 Best Places to Work and Fortune Magazine as a Real Estate Company to Watch.. .

States Title

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States Title enables an instant real estate closing experience. The company uses machine intelligence and its patented technology solution to transform residential real estate, making closings instant and affordable.

States Title and its family of brands – North American Title Company (NATC) and North American Title Insurance Company (NATIC) – offers solutions for lenders, real estate agents, title agents, and homeowners that make closings vastly more simple and efficient, reducing cost and increasing customer satisfaction. States Title’s clients include some of the largest bank and non-bank lenders in the U.S.

To learn more visit statestitle.com.. .

Empower

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Founded by former Sequoia Capital partner and entrepreneur Warren Hogarth, Empower is building a personal financial assistant and digital bank for millennials. Today​,​ the interests of consumers and banks is fundamentally misaligned: banks earn the most when people pay maximum fees, earn little to no interest, and are locked into the highest interest rate​s​​​.

Empower has built an AI powered financial assistant that works 24/7 to help consumers improve their financial lives and is launching a new kind of bank for tech savvy young professionals that are hustling to get ahead.. .

Grain

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Transform your debit card into a credit card

Upgrade

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Upgrade is a neobank that offers affordable and responsible credit to mainstream consumers.

OKCoin

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OKCoin provides fiat trading with major digital assets, including Bitcoin, Bitcoin Cash, Ethereum, Ethereum Classic, and Litecoin. OKCoin is one of the world’s first and largest regulated digital asset exchanges, with millions of users in more than 100 countries around the world.

Founded in 2013, they provide traders and institutions with a fiat-to-token trading platform for digital assets including Bitcoin, Bitcoin Cash, Ethereum, Ethereum Classic and Litecoin, with more assets coming soon. Offering fast trades and industry-leading expertise and support, their mission is to help eliminate trading barriers and improve transaction efficiency while complying with the highest regulatory standards in the US and the world..

Human Interest

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Human Interest offers easy and affordable employee retirement plans. Previously, only large companies offered employee retirement plans, leaving more than half of all working Americans without a path to a secure financial future.

The company believes that a path to financial independence should be accessible to people in all lines of work.. .

LendUp

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LendUp’s mission is to provide anyone with a path to better financial health. We build technology, credit products and educational experiences for the 56% of the US population who are shut out of mainstream banking because of poor credit or volatile incomes.

All of our technology is built in-house. We currently offer several types of credit products, including loans and credit cards.

We embed education into our products, and where available, credit building opportunities, to help borrowers improve their long-term financial health and break out of vicious debt cycles. We were founded by two step-brothers, CEO Sasha Orloff and CTO Jake Rosenberg.

Sasha puts the “fin” in fintech, having worked at Citi, World Bank, and Grameen Bank. Jake puts the “tech” in fintech; he was a platform CTO at Zynga at 29 and began working at Yahoo! at age 16, as employee #80..

Taulia

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Taulia is a FinTech startup that provides working capital management and electronic invoicing services for supply chain companies.

HoneyBook

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HoneyBook is the leading financial and business management platform for solopreneurs and freelancers. Creative entrepreneurs across industries, from photographers to graphic designers and marketing professionals, connect through the platform to manage their business, collaborate and book clients — all in one place.

HoneyBook enables creative entrepreneurs to focus more on doing what they love and less on administrative tasks like invoicing and payments. From the first inquiry to the final payment, HoneyBook makes it easy for people to book their ideal client faster, more frequently, and with less legwork.

Founded in 2013, HoneyBook is based in San Francisco and funded by Citi Ventures, Norwest Venture Partners, Aleph, Vintage Investment Partners and Hillsven Capital.. .

Unit

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Unit is a developer of a platform that allows third parties to integrate banking services into their businesses.

Tally Technologies

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Tally is a financial automation company that helps users manage multiple credit cards. It is the first app to unbundle the credit card, putting power back into the hands of consumers.

With Tally, consumers can use their credit cards without unfair APRs, costly fees, and hassle of managing multiple cards. Tally was founded in 2015 by a team of credit experts, engineers, and designers who believe in a better credit card experience for consumers.

Returnly

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Returnly partners with retailers and brands to elevate the online shopping experience and remove the product returns friction altogether. Returnly lets shoppers buy again using return credit before shipping the original items back and settles the new order in real-time, taking the product risk.

The company has developed a turn-key solution around its core post-purchase payments technology that includes returns management tools for large scale retailers as well as hosted and fully brandable end-customer touchpoints like order and returns tracking, online returns and exchanges. Returnly is headquartered in San Francisco, with offices in Chicago and Madrid..

Flowcast

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Flowcast leverages its patented machine learning methodologies to create high-performing predictive models that assess risk and enable lenders to unlock credit to all size businesses at scale. Flowcast’s models offer unparalleled explainability in understanding the root cause of a business’ creditworthiness, the risk of delinquency, the timeliness of repayment and the likelihood of dilution of their transactions.

Unlike traditional risk assessments, the API-based solution updates and monitors the risk assessment of the borrower in real-time based on alternative data and Flowcast’s proprietary data.. .

Secfi

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Secfi is a pre-wealth management platform that helps private company employees and shareholders with equity planning.

Cardless

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Cardless is a credit card company. We help brands launch custom cobrand credit card products.

We handle the program creation, card underwriting, lending, issuance, and top-notch customer service, while brands focus on delivering rewards truly valuable to their superfan cardholders. Cardless was founded in February 2019 by Michael Spelfogel and Scott Kazmierowicz (ex-Stanford CS / Data Science, ex-Lyft, ex-Visa, ex-Goldman) and is backed by top VCs including Accomplice, Greycroft, Clocktower Ventures, as well as founders of Plastiq, SeatGeek, Flatiron Health, and FiveStars.

Jasper

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Jasper, formerly CreditStacks, is a financial service company that offers a credit card designed for professionals. Jasper uses technology to assess applicants holistically, so applicants may qualify for a premium Jasper Mastercard, issued by WebBank, even if they are just starting their credit journey.

The company was founded in 2015 and is headquartered in New York City, New York.. .

Synapse

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SynapseFI is a banking platform that enables companies to provide financial products to their customers for a fraction of the cost of traditional banks. The company provides payment, deposit, lending.

and investment products as APIs to FinTech companies who build and launch their financial innovations on top of their banking infrastructure. They help fintech companies work together to develop the technology.

Founded in 2014, SynapseFI is headquartered in San Francisco, California.. .

Modern Treasury

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Modern Treasury enables its clients to marry bank statements with the company’s business logic to provide an enriched history of the company’s financial transactions. This view will empower the company’s finance teams to focus on solving the mission-critical problems of the business and not piecing together the jigsaw puzzle of bank transactions by hand.

Modern Treasury will help answer those questions faster and with more confidence.. .

Chime

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Chime is a fintech company that helps its members avoid bank fees, save money automatically, and lead healthier financial lives. It offers a modern, mobile, and connected approach to banking that gives members complete control of their finances.

Chime members receive a Chime debit card, a Spending Account, a Savings Account, and a powerful mobile app that keeps members in control. The Chime mobile app is available for iPhone and Android devices and has been featured as one of the best Money Management apps in the App Store.

Chime was co-founded in 2013 by Chris Britt and Ryan King.. .

Earnest

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Earnest was built on the principle that getting a loan shouldn’t be difficult for financially responsible people. Earnest offers student loan refinancing and personal loan.

It uses its unrivaled technology to consider more than just a credit score; it looks at thousands of data points such as education, saving patterns, investments, and career trajectory. Customers apply online and can manage their account payment preferences with the online dashboard and mobile app.

Earnest was founded in 2013, by Louis Beryl and Ben Hutchinson, and had its official launch in early 2014. Earnest raised several rounds of funding from investors including Andreessen Horowitz, Maveron, Battery Ventures, Atlas Ventures, and several others.

In 2017, Earnest was acquired by Navient Corp. Navient maintains Earnest as a separate brand while allowing Earnest to be backed by a larger company.

Earnest has grown from distributing $8M loans in its first year of business to distributing nearly $2B in student loans and having a roughly $500M loan portfolio in 2017. Earnest has been included in Fast Company’s World’s 50 Most Innovative Companies list.

The company lends across the United States in 45 states and the District of Columbia. In August 2017, it was announced that Earnest would open a second office in Salt Lake City, Utah..

Xoom

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Xoom is a pioneer in the international money transfer market, providing consumers with an easy to use, cost-effective and safe way of sending money worldwide. With Xoom, consumers can send money to friends and family to 30 countries in Latin America, the Philippines, India, Europe, Australia and South Africa from the convenience of their mobile phone, tablet or computer.

Xoom was founded in 2001 and is backed by Sequoia Capital, New Enterprise Associates, SVB Capital and Fidelity Ventures.. .

SigFig

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SigFig is dedicated to making high-quality investment advice more accessible and affordable to investors of all wealth levels. Using a combination of design, data science, and technology, SigFig helps empower investors with the information and guidance they need to achieve their personal financial goals.

Through partnerships with some of the world’s largest and most innovative financial institutions, SigFig seeks to help investors and advisors better manage their investments. Its enterprise technology accelerates time to market for its partners, while doing so in a secure, scalable, and compliant way.

Its product, design, and growth labs fuel innovation, accelerate adoption, and create delight for clients. Founded in 2007, SigFig is backed by leading financial institutions including Eaton Vance, Comerica Bank, New York Life, Santander InnoVentures, and UBS, as well as top-tier venture capital firms, including Bain Capital Ventures, DCM Ventures, Nyca Partners, and Union Square Ventures.

The company is headquartered in San Francisco, California. Learn more at www.sigfig.com..

Earn.com

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Earn money for replying to emails and completing tasks.

Uphold

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Uphold enables 1.5MM+ members worldwide to buy, sell and hold fiat and digital currencies, as well as precious metals, through one super-simple interface. Unlike competitor platforms, users can trade directly between any supported asset class, stripping out layers of fees, saving time and money.

Furthermore, the blockchain-integrated platform makes it possible to send any currency to virtually anyone, anywhere – instantly. No matter where you live in the world, Uphold offers retail consumers an incredibly easy way invest, pay or get paid.

– Buy, sell, hold and convert 30 cryptocurrencies, 27 fiat currencies and 4 precious metals, all in one account. – Earn an annual return on asset holdings or tap affordable lines of credit secured by those assets via Uphold’s partner apps.

– Pay anyone instantly, virtually anywhere, by email. With $5.5 billion+ in transactions to date, Uphold believes in expanding access and dissolving borders.

With offices in Silicon Valley, New York, London and Portugal, Uphold is opening up elite and illiquid asset classes to its members, as well as access to financial services that are either hard-to-reach or simply unavailable in certain geographic regions. In a fast-growing part of its business model, Uphold supports closed-loop ecosystems, enabling digital tokens to be held, transferred and converted into other asset types.

With its open API, third-party developers have built sophisticated financial products on top of its core platform. Uphold has a compliance-first culture and acquires appropriate regulatory licensing in each jurisdiction.

CoinList

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CoinList provides a platform for digital asset companies to run their token sales. Its customers are at the center of the digital asset and blockchain ecosystem including Protocol Lab and Blockstack.

The company was founded in 2017 and is headquartered in San Francisco, California.. .

Brightside

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Brightside is the first employer-based financial wellness solution that uniquely combines personal assistants, smart technology and innovative products to relieve employee stress and its impact on the workforce. Brightside delivers improved outcomes for employees through its financial assistants, who engage employees, establish trust, and provide tailored support, as well as unbiased access to financial products that save them money.

Headquartered in San Francisco, Calif., Brightside was founded in 2017. .

OpenInvest

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OpenInvest is a Public Benefit Corporation and asset manager that uses technology to mainstream customized ethical investing. OpenInvest is a YCombinator and Andreessen Horowitz-backed startup powering the post-fund future.

Their team of senior technologists from the hedge fund industry and civil society leaders is first tackling under-served markets in customized ESG asset management. With seed funding, the team has built fully integrated and proprietary direct-indexing construction, management, trading, proxy voting, and UX systems that now serve thousands of customers.

Founded in 2015, the company is headquartered in San Francisco, California, United States.. .

Noah

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Noah is a fintech company enabling homeowners to tap into the value of their homes without incurring new monthly payments or interest.

Persona

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Persona enables business to verify customer identities that brings trust to online interactions and help them with age verification, fraud prevention, and account recovery. It offers a comprehensive suite of automated identity verification components with worldwide coverage that can be configured, branded, and themed to create custom-tailored flows that cover any use case.

It handles complex collecting, verifying, and managing sensitive personal information to stay focused on building products. Persona was founded in 2018 and is headquartered in San Francisco, California..

Digits

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Digits is a fin-tech company offering a visual, machine learning-powered expense monitoring dashboard for startups and small businesses.

CoverHound

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CoverHound is a technology company offering a platform for consumers to shop for car insurance. It allows customers to personal insurance needs, compare accurate rates from top carriers, and buy the right policy at the right price.

Dedicated to giving consumers transparent access to the best car insurance rates, CoverHound provides smart recommendations and personalized quotes. With the guarantee of no spam and promise to keep all private information safe, consumers stay in control.

CoverHound graduated from AngelPad in spring 2011, and immediately secured seed funding from Blumberg Capital. CoverHound was founded in 2010 and is based in San Francisco, California..

Sentieo

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Sentieo is a financial and corporate research platform for executives, investment analysts, and researchers that offers them the insights, speed, and confidence they need to make informed strategic decisions so they can outperform the market and gain a competitive edge. Sentieo is the only research platform that brings together the previously disparate tools of financial document search, market and alternative data, and modeling and analytics, with a research management system.

Sentieo’s solutions include financial document search, research management, financial data terminal, Mosaic – alternative datasets, and mobile apps. It serves hedge funds, Fortune 500 corporations, family offices, mutual funds, investment banks, RIAs, private equity firms, consultancies, and individual investors.

Alap and Naman Shah founded Sentieo in 2012. It has its headquarters in San Francisco, with offices in New York City, London, and Delhi..

Long-Term Stock Exchange

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The Long-Term Stock Exchange (LTSE) is creating an SEC-regulated national securities exchange designed to align great companies and long-term investors with the shared goal of value creation. They have assembled a world-class team of experts and advisors located in New York, San Francisco, and DC with deep expertise in finance, regulation, law, and technology.

The LTSE seeks to end the twenty year decline in the number of public companies in the United States by creating a new listings venue that serves issuers (companies) and investors and prioritizes long-term value creation. The LTSE was founded in 2015 and is headquartered in San Francisco, California, United States..

Dividend Finance

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Dividend is a national provider of renewable energy and energy-efficiency financing solutions offered through a comprehensive suite of residential solar loans, home improvement, and PACE financing products catered towards homeowners and commercial/industrial real property owners. The company pioneered the residential solar financing landscape in 2014 with the launch of its EmpowerLoan™ product for financing residential solar installations and continues to expand its product offerings into the home-energy space, including PACE financing.

In addition to its industry-leading suite of financial products, Dividend operates an origination and technology platform for partner contractors and property-owners that streamlines the process for financing and managing financed-project fulfillment.. .

Hearsay Systems

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Hearsay offers the complete client engagement solution for financial services, empowering advisors and agents to effectively use social media, websites, text messaging and email to build stronger relationships that grow business. Hearsay is a SIFMA strategic partner, LIMRA Elite Strategic partner, GAMA partner and MBA associate member, and has raised $51 million from Sequoia Capital, NEA and private investors.

The company is headquartered in Silicon Valley with teams in New York, Seattle, Chicago, Atlanta, Austin, Toronto, London, Paris, Frankfurt and Hong Kong.. .

Paceline

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Paceline is a fitness rewards platform that adds financial benefit to the physical activity. It is out to reinvent the financial industry with the aim of making it more technology-enabled and better at engaging with consumers.

The company was founded in 2019 and is based in San Francisco, California.. .

Unit21

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Unit21 is a platform that provides no-code tools and services for risk and compliance teams. Unit21 helps protect businesses against adversaries through a simple API and dashboard for detecting and managing money laundering, fraud, and other sophisticated risks across multiple industries.

It is built with state-of-the-art security practices by security experts who have defended large systems against hackers. The company was founded in 2018 and based in San Francisco, California..

EquBot

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EquBot provides an easy-to-use and explainable AI platform to help global investment professionals deliver better outcomes. The platform can create or analyze portfolios by leveraging its proprietary machine learning algorithms and knowledge graph, as well as IBM Watson’s natural language processing.

This allows investors to not only keep up with, but also to thrive in an increasingly complex world of data. EquBot was started at UC Berkeley and is an IBM Global Entrepreneur and “With Watson” company..

PayJoy

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PayJoy is bringing consumer finance to people who otherwise could not afford modern electronics such as smartphones. Today, their unique locking technology and data science enables them to offer smartphone financing to underbanked people in emerging markets worldwide.

Their ambition is to deliver affordable consumer finance to the next billion who are just now getting onto the digital and financial grid. The company, based in San Francisco, California, was founded in 2015 and is funded by top fintech investors..

Branch International

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Branch delivers world-class financial services to the mobile generation. With offices in San Francisco, Lagos, Mexico City, Mumbai and Nairobi, Branch is a for-profit socially conscious company that uses the power of data science to reduce the cost of delivering financial services in emerging markets.

We believe that everyone, everywhere deserves fair financial access. The rapid spread of smartphones presents an opportunity for the world’s emerging middle class to access banking options and achieve financial flexibility.

Branch’s mission-driven team is led by founder and former CEO of Kiva.org. The company presents a rich opportunity for our team members to drive meaningful growth in rapidly evolving and changing markets.

Most recently, Branch announced its Series C and has garnered more than $100M in funding with investments from leading Silicon Valley firms.. .

Compound

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Compound is an open-source interest rate protocol that unlocks new financial applications for developers. Its protocol is a widely used system built on Ethereum, with thousands of users, and dozens of applications integrating Compound.

Compound offers a web interface that adjusts money market interest rates based on asset-specific supply and demand. Compound was founded on 2017 and is headquartered in San Francisco, California..

Oyster

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Oyster is a provider of digital financial services intended for freelancers, startups, and SME’s. The founding team is bringing together top-notch talent from various industries and different parts of the world, all passionate about solving the painful process that all entrepreneurs have to go through when opening a business account in Mexico.

Co-founders Gabriel Leon, Jon Reese, Michael Simmons, and Vilash Poovala formed the software company in Mexico City, Distrito Federal in 2010.. .

Lendtable

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Lendtable is a financial services company that specializes in providing income-constrained individuals with wealth-building cash advances. The company also specializes in the fields of fintech, tech, investing, and wealth and it gives people cash advances to build their wealth.

It was founded in 2020 and headquartered in San Francisco, California.. .

Gabi

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Gabi monitors insurance rates from all carriers and provides unbiased advice on the optimal coverage. Gabi provides a free, online “personal insurance shopper” that is licensed throughout the US and works with the nation’s largest insurance companies including Nationwide, Travelers, and Safeco and new entrants such as American Family Insurance-backed Clearcover.

Its technology automatically and continuously comparison shops for the best insurance products for its customers, saving them time and money. Switching from one insurance provider to another, as well as, tracking multiple insurance products is made easy with the Gabi app.

Founded by Hanno Fichtner, Krzysztof Kujawa, Vincenz Klemm and Pawel Olszewski, the company is based in San Francisco with a technical team in Lodz, Poland.. .

WeTravel

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WeTravel is an online payment platform that offers organizers with pre-departure tools to collect funds and organize logistics. Travel companies create elegant booking pages in minutes to collect deposits, set automatic payment plans, and manage financials securely from all over the world.

Its platform has been used for a wide variety of trips, such as yoga retreats, student trips, bachelorette trips, dance trips, company retreats or sports team travel. Its website allows organizers to create a beautiful website for their trip in minutes.

Organizers can collect deposits directly on the Wetravel platform and then easily transfer the funds to their account or directly to a travel agent or airline (even internationally, at much better exchange rates than banks.. .

Migo

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Migo offers a digital Credit-as-a-Service platform to domestic banks, mobile operators, retailers, and payment processors. The platform includes components such as APIs, frameworks, consumer insights tools, and expertise on best practices that enterprise partners can use to build transformative consumer credit services in emerging markets.

Founded on 2014, Migo allows companies to offer credit to their customers, augmenting traditional bank, and payment card infrastructure. It is headquartered in San Francisco, California..

Scratch

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Scratch is changing the way people experience debt.

CommonStock

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CommonStock is a developer of a group chat platform that is designed to share investment knowledge and decisions. It allows users to link any brokerage to share holdings by percentage, get real-time alerts when friends buy/sell, copy each other’s trades and invest together choosing own amount, and compete to see who performs best, enabling users to coordinate trades as well as monitor and coach investment decisions.

Commonstock’s product is currently available for free on the web and via an iPhone app (an Android-enabled app is forthcoming). The company was founded in 2017 by David McDonough and is headquartered in San Francisco, California..

Wyre

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Wyre is a developer of a blockchain-based payment platform designed to change the future of how international payments are done. The company’s platform provides real-time payouts, same-day transfers, and direct-to-bank transfers, enabling businesses to move money across borders from country-to-country at a competitive foreign exchange rate.

Wyre’s business owners can easily create an account and send money to any person or business without worrying about high foreign exchange rates, hidden fees, complicated payout timing, and high payment fees. It also provides onramps and off-ramps, foreign exchange, and crypto liquidity to users of various crypto projects including decentralized exchanges.

Wyre was founded in 2013 and is headquartered in San Francisco, California, USA.. .

Unison Home Ownership Investors

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Unison is a provider of home-ownership investments used for long-term financing. Its investments offer long-term investments in individual residential properties through their innovative programs in exchange for the opportunity to share gain or loss in the home’s value when they decide to sell that enable applicants to buy homes without interest or monthly payments.

It was founded in 2004 and is headquartered in San Francisco, California.. .

Northstar

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Northstar is a fintech company that enables employers to offer financial wellness, compensation, and benefits advice.

Collective

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Collective operates as an online back-office platform designed for self-employed people. Its technology and a team of trusted advisors give its members the freedom to focus on what matters by taking care of everything from business incorporation to accounting, bookkeeping, tax services, and access to a thriving community- all in one platform.

The company was founded in 2019 and is headquartered in San Francisco, California.. .

One

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One develops an app that boosts the power of peoples paycheck so they have more spending power in their pockets. One helps users optimize their earnings and reach their financial goals faster, seamlessly share money with family and friends, and watch their money grow faster.

One seamlessly bridge financial gaps. It was founded in 2019 and is headquartered in San Francisco, California..

TrustToken

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TrustToken is a platform to create asset-backed tokens that you can easily buy and sell around the world. For example, gold to gold tokens or dollar to dollar tokens.

The company’s first asset token is TrueUSD, a stablecoin that you can redeem 1-for-1 for US dollars. TrustToken was founded in 2017 and consists of a team from Stanford, UC Berkeley, Airbnb, Goldman Sachs, PayPal, and Google, and is backed by a16z crypto, BlockTower Capital, Danhua Capital, Founders Fund Angel, GGV Capital, Jump Capital, Stanford-StartX, and others.

For more information about TrustToken and its TrueUSD product, visit http://www.trusttoken.com.. .

X1 Card

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X1 Card is the smartest credit card ever made. Built with 17g of stainless steel and laser etching technology, X1 Card reimagines the credit card from the ground up.

It harnesses the power of technology to offer smart credit limits, an unparalleled rewards program, and automated features that will transform the way you shop and spend. X1 Card is partnered with Visa Signature, allowing cardholders to use it at more than 46 million merchants around the world.

The company is cofounded by Twitter alums Deepak Rao and Siddharth Batra and backed by PayPal co-founder Max Levchin and founding COO David Sacks, Harrison Metal founder Michael Dearing, former Twitter COO Adam Bain, Libra co-creator & Instagram’s former head of product Kevin Weil and more.. .

Juvo

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Juvo was founded with an overarching vision: to establish financial identities for the billions of people worldwide who are creditworthy, yet financially excluded. In partnership with mobile network operators, Juvo’s proprietary Identity Scoring technology uses data science, machine learning and game mechanics to create an identity-based relationship with anonymous prepaid users, opening up access to otherwise unattainable mobile financial services.

Juvo is a privately held company backed by global business leaders and luminaries in the world of tech, mobile and finance. Its executive team comprises accomplished industry leaders across the data science, consumer internet, financial services and mobile telecom fields..

Qwil

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Qwil provides individual contractors, freelancers, and small businesses with financial tools and solutions. It offers an application that enables its users to manage and spend their earnings through their Qwil debit card.

Qwil also enables its users to earn and spend money before they are paid for their services. The company was founded in 2015 and is based in San Francisco, California..

BehavioSec

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BehavioSec is the first vendor to pioneer behavioral biometrics. The company’s Behavioral Biometrics as a Service (BBaaS) platform is widely deployed across Global 2000 companies for its proven ability to dramatically reduce account fraud and data theft.

Founded in 2008 out of groundbreaking academic research, BehavioSec technology allows companies, to continuously verify digital identities with superior precision, in real-time. Strengthened with the leadership of serial entrepreneurs and experienced industry professionals, the BehavioSec team now spans the world, providing security while preserving a rich digital experience throughout web and mobile apps.

BehavioSec is the only enterprise-grade vendor used in global deployments with some of the largest companies, reducing manual review whilst safeguarding millions of users and billions of transactions. BehavioSec investors include Forgepoint Capital, Cisco, ABN AMRO, Conor Ventures and Octopus Ventures.

BehavioSec is headquartered in San Francisco, CA and has global operations throughout Europe and Asia Pac. For more information, visit www.behaviosec.com..

Castle

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Castle enables online businesses of all sizes to detect and prevent user account fraud, a technology previously only available to banks and large financial institutions. Whether you’re building a bitcoin service, e-commerce store, mobile app, or any other customer-facing application, Castle’s API’s lets you add account hijack protection.

Castle tracks fraudsters based on device fingerprint, keystrokes, site browsing history, and hundreds of other signals. Whenever something suspicious occurs, both the administrator and account owner are alerted and can immediately take appropriate action..

Indio Technologies

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Indio Technologies simplifies the insurance application process for brokers and clients. It makes insurance fast, easy, and E&O free, saving agency time and money.

The white-labeled platform comes pre-loaded with a library of 5,000+ digitally enhanced smart insurance forms and applications, a full e-signature solution, and secures document sharing. To date, brokers, big and small, use Indio to service more than 300,000 business clients.

The company focuses on leveraging an intelligent software to transform workflows into delightful experiences for customers. It helps win more business and spend less time on redundant operational tasks.

Indio Technologies was founded on 2016 and is based in San Francisco, California.. .

SharesPost

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SharesPost is a company that provides liquidity solutions in the private growth asset market.

Finary

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An investing social platform where you can talk about investments with friends and make trades on the market.

Trim

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Trim’s mission is to make Americans financially healthy at scale. Our customers benefit from automated savings, decreased bills and bank fees negotiated by Trim, canceled subscriptions, and spending analysis and recommendations.

We’ve saved our users more than $60M and we’re continuing to grow and add features to improve financial health. Our team has previous experience at organizations like Cisco, Eventbrite, Goldman Sachs, Google, LearnVest, Patreon, Rackspace, and Stripe.

Trim is backed by venture investors including Ashton Kutcher (Sound Ventures), OCA Ventures, Eniac Ventures, Version One Ventures, and Core Innovation Capital. Come work with us to create the future of personal finance..

Kiva

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Based in San Francisco, Kiva is an international non-profit organization that enables families to make small loans to entrepreneurs in developing countries. It has crowdfunded over 705 million U.S.

dollars in microloans to over one million entrepreneurs in 86 countries. Founded in 2005, Kiva covers its costs primarily through optional donations as well as through support from grants and sponsors..