In collaboration with CBInsights and Crunchbase, we’ve curated a list of the 100 fintech startups to watch out for in 2024. 

Our goal?

To spotlight the most innovative, disruptive, and successful fintech startups that will define the future of financial technology.

This listicle will provide investors, customers, and industry experts with a forward-looking perspective on the fintech sector, highlighting emerging trends and identifying lucrative market opportunities.

• To make it to this list, the startups have met the following criteria;
• Demonstrated success and impact in the fintech industry.
• Unique approach that disrupts or enhances traditional financial services.
• Strong indicators of substantial market growth and scalability.
• Backed by notable investors with considerable financial support.
• Experienced and visionary leadership driving the company's mission.
• Use of artificial intelligence to enhance their offerings and operations (optional).

Read on as we provide a glimpse into the future of fintech, offering invaluable insights for stakeholders and setting the stage for the next set of financial technology innovations.

Account-to-Account (A2A) payments 

1. Banked

Open banking payments platform

Year Founded: 2018

CEO: Brad Goodall

Country: United Kingdom

Total Funding: $46.9M

Funding Round: Series A

Investors: Backed VC, Acrew Capital, Force Over Mass Capital, Insight Partners etc.

What They Do: Banked provides open banking solutions, enabling pay-by-bank transactions for eCommerce, bill payments, collections, donations, payouts, and wallet top-ups. 

2. Kevin

A2A Payments Platform

Year Founded: 2017

CEO: Tadas Tamosiunas

Country: Lithuania

Investors: Global PayTech Ventures, Henry McGovern, OTB Ventures, etc.

Total Funding: $79.4M

Funding Round: Series A

Investors: Global PayTech Ventures, Henry McGovern, OTB Ventures, etc.

What They Do: Kevin is a fintech company that specializes in facilitating direct payments from bank accounts, bypassing traditional card networks.

3. Volt

Real-Time Payments Platform

Year Founded: 2019

Country: United Kingdom

CEO: Tom Greenwood

Total Funding: $87.8M

Latest Funding Round: Series B

Investors: Augmentum Fintech, EQT Ventures, Fuel Ventures, etc.

What They Do: Volt provides real-time payment solutions using open banking technology. 

Their services enable instant bank-to-bank payments, improving transaction speed and security while reducing costs. 

Volt caters to sectors like eCommerce, facilitating faster and more reliable payment processing.

Accounting & Finance

4. Collective

AI-Powered Financial Platform

Year Founded: 2020

Country: United States

CEO: Hooman Radfar

Total Funding: $78.7M

Latest Funding Round: Convertible note

Investors: Dan Lewis, Darian Shirazi, Dylan Field, Expa, QED Investors, Gradient Ventures.

What They Do: Collective provides an all-in-one financial management platform designed for solopreneurs. 

Their services include bookkeeping, accounting, tax filing, and business incorporation. 

The platform leverages AI to simplify financial management, offering significant tax savings and streamlined processes for freelancers and solo entrepreneurs.

5. Pigment

Business planning and analytics platform

Year Founded: 2019 

Country: France

CEO: Eléonore Crespo

Total Funding: $396 million

Latest Funding Round: Series D

Investors: Blossom Capital, David Clarke, FirstMark Capital, IVP, Meritech Capital Partners, etc.

What They Do: Pigment offers a platform that helps businesses with financial planning, forecasting, and analytics. 

It integrates data from various sources to provide real-time insights and collaborative tools for better decision-making and financial management.

6. Trullion

AI-Powered Accounting Software

Year Founded: 2020

Country: United States

CEO: Isaac Heller

Total Funding: $33 million

Latest Funding Round: Series B

Investors: Aleph, Artie Minson, Bob Mylod, Greycroft, Jody Mulkey, etc.

What They Do: Trullion is a financial accounting platform that uses AI to automate the processing of financial data, ensuring compliance with accounting standards and providing real-time financial insights.

The software is designed to streamline audit and accounting processes for businesses.

7. Vic.ai

AI-Driven Accounting Automation

Year Founded: 2017

Country: United States

CEO: Alexander Hagerup

Total Funding: $114.7 million

Latest Funding Round: Series C

Investors: Costanoa Ventures, Cowboy Ventures, GGV Capital, Greycroft, etc.

What They Do: Vic.ai offers an AI-powered platform that automates accounting and finance tasks, including invoice processing, expense management, and financial reporting.

8. Zip

Procurement Orchestration Platform

Year Founded: 2020

Country: United States

CEO: Rujul Zaparde

Total Funding: $181.3 million

Latest Funding Round: Series C

Investors: Y Combinator, SV Angel, CRV, Tiger Global Management, etc.

What They Do: Zip helps businesses control and optimize their spending. The platform offers features such as procurement automation, expense tracking, and financial reporting to enhance financial oversight and efficiency.

B2B BNPL (Buy Now, Pay Later)

9. Mondu

BNPL solutions for B2B sales

Year Founded: 2021

Country: Germany

CEO: Philipp Povel and Malte Huffmann (Co-CEOs)

Total Funding: $122.1 million

Latest Funding Round: Debt financing

Investors: Cherry Ventures, FinTech Collective, Valar Ventures, VVRB, etc.

What They Do: Mondu provides B2B BNPL solutions that allow businesses to offer flexible payment terms at checkout. The platform supports online and offline sales channels, including field sales, telesales, and email orders.

10. Two

BNPL Solutions for E-Commerce

Year Founded: 2020

Country: Norway

CEO: Andreas Mjelde

Total Funding: €20.5 million

Latest Funding Round: Series A

Investors: LocalGlobe, Sequoia Capital, Visionaries Club, etc.

What They Do: Two offers a B2B BNPL platform designed to streamline the payment process for business transactions. They focus on integrating seamlessly with existing e-commerce systems to facilitate easy adoption and enhanced financial management.

Capital Markets

11. AccessFintech

Data and Workflow Collaboration Platform

Year Founded: 2016

Country: Israel

CEO: Roy Saadon

Total Funding: $97.5 million

Latest Funding Round: Series C

Investors: J.P. Morgan Chase & Co., Citi Ventures, Credit Suisse, Deutsche Bank, Goldman Sachs, Dawn Capital

What They Do: AccessFintech provides a platform that evolves the financial industry operating model through data and workflow collaboration. 

Their network enables financial institutions to share data, manage risks, and resolve trade exceptions efficiently. 

12. Clear Street

Prime Brokerage Services

Year Founded: 2018

Country: United States

CEO: Chris Pento

Total Funding: $650 million

Latest Funding Round: Series B

Investors: Alastair Trueger, Belvedere, Illia Polosukhin, Next Investors, Prysm Capital, Walleye Capital

What They Do: Clear Street offers prime brokerage services with a focus on providing a modern, technology-driven approach to clearing and custody services. 

This platform streamlines the trading process for institutional investors, offering improved transparency, risk management, and operational efficiency.

13. Genesis

Low-Code Application Platform for Financial Markets

Year Founded: 2015

Country: United Kingdom

CEO: Stephen Murphy

Total Funding: $269.8 million

Latest Funding Round: Venture - Series Unknown

Investors: Illuminate Financial Management, Tribeca Early Stage Partners, GV (formerly Google Ventures), Accel

What They Do: Genesis provides a low-code application platform tailored for financial markets.

Their technology enables financial institutions to rapidly build and deploy applications, streamlining processes such as trade workflows, risk management, and compliance.

14. OpenFin

Operating System for Enterprise Productivity

Year Founded: 2010

Country: United States

CEO: Mazy Dar

Total Funding: $82 million

Latest Funding Round: Series D

Investors: Bain Capital Ventures, Barclays, CME Ventures, DRW Venture Capital, HSBC, In-Q-Tel, J.P. Morgan, NYCA Partners, Pivot Investment Partners, SC Ventures, Wells Fargo.

What They Do: OpenFin provides an operating system for enterprise productivity, used by major financial institutions and fintech firms to create and manage desktop applications. 

The platform offers a unified workspace that enhances productivity through efficient app distribution, security, and interoperability.

Conversational Banking

15. Kasisto

Conversational AI Platform for Banking

Year Founded: 2013

Country: United States

CEO: Zor Gorelov

Total Funding: $81.5 million

Latest Funding Round: Series C

Investors: AlphaPrime Ventures, Cristobal Conde, HBS Alumni Angels of NY, Rho Capital Partners, Oak HC/FT, Ten Coves Capital, etc.

What They Do: Kasisto provides a conversational AI platform specifically designed for the banking industry. 

Their flagship product, KAI, powers intelligent digital assistants and chatbots that deliver human-like, intelligent conversations across various banking channels. 

Recently, they introduced KAI-GPT, a large language model purpose-built for banking, enhancing their platform's capabilities with generative AI.

Core Banking & Infrastructure 

16. Cross River

API-Based Financial Solutions

Year Founded: 2008

Country: United States

CEO: Gilles Gade

Total Funding: $1.053 billion

Latest Funding Round: Series D

Investors: Andreessen Horowitz, Battery Ventures, Ribbit Capital, T. Rowe Price.

What They Do: Cross River provides technology infrastructure for banking, offering services such as real-time payments, card issuing, and lending solutions. 

They leverage a proprietary API-driven banking core to deliver scalable and innovative embedded financial solutions to fintechs and other businesses.

17. M2P

API Infrastructure for Financial Services

Year Founded: 2014

Country: India

CEO: Madhusudanan R.

Total Funding: $115.2 million

Latest Funding Round: Debt financing

Investors: 8i Ventures, Amrish Rau, Beenext, Better Capital, Flourish Ventures, etc.

What They Do: M2P provides a comprehensive API infrastructure enabling businesses to offer financial services, including card issuance, digital banking, and lending. 

Their platform aims to simplify the integration of financial services for companies, enhancing their ability to innovate and scale.

18. Moneyhub

Open Banking Platform

Year Founded: 2014

Country: United Kingdom

CEO: Sam Seaton

Total Funding: $81.5 million

Latest Funding Round: Venture- series unknown

Investors: Nationwide Building Society, Financial Conduct Authority, etc.

What They Do: Moneyhub offers an open banking platform that provides financial data aggregation and payment initiation services. 

Their technology facilitates the secure sharing of financial information between consumers, businesses, and financial institutions to improve financial wellness and efficiency.

19. Synctera

Banking-as-a-Service Platform

Year Founded: 2020

Country: United States

CEO: Peter Hazlehurst

Total Funding: $79 million

Latest Funding Round: Series A

Investors: Alexa von Tobel, Diagram Ventures, Henry Ward, Lightspeed Venture Partners, etc.

What They Do: Synctera provides a banking-as-a-service platform that connects fintech companies with banks to offer compliant and scalable financial products. 

Their services include account management, compliance, and payment processing.

20.Thought Machine

Cloud-Native Core Banking Platform

Year Founded: 2014 

Country: United Kingdom

CEO: Paul Taylor

Total Funding: $526.8 million

Latest Funding Round: Series D 

Investors: Lloyds Banking Group, Backed VC, IQ Capital, Molten Ventures, etc.

What They Do: Thought Machine offers a cloud-native core banking platform called Vault, designed to provide banks with a modern and flexible core system. 

The platform supports real-time processing and enables banks to innovate and deliver new products rapidly.

21. Unit

Banking-as-a-Service Platform

Year Founded: 2019

Country: United States

CEO: Itai Damti

Total Funding: $169.6 million

Latest Funding Round: Series C

Investors: Aleph, Better Tomorrow Ventures, Flourish Ventures, TLV Partners, etc.

What They Do: Unit offers a banking-as-a-service platform that enables companies to embed financial services into their products. 

They provide a full suite of banking features, including account opening, payments, and compliance, allowing businesses to create and scale financial products efficiently.

Cross-Border Payments

22. Apexx Global

Payment Orchestration Platform

Year Founded: 2016 

Country: United Kingdom

CEO: Peter Keenan

Total Funding: $37 million

Latest Funding Round: Series B

Investors: Innovate UK, Alliance Venture, Forward Partners, etc.

What They Do: Apexx Global provides a payment orchestration platform that consolidates payment providers into a single API connection. 

This allows merchants to optimize payment processing, reduce costs, and improve transaction success rates by routing transactions through the most efficient payment provider available.

23. NIUM

Real-Time Cross-Border Payments

Year Founded: 2015

Country: Singapore

CEO: Prajit Nanu

Total Funding: $338 million

Latest Funding Round: Series E 

Investors: Fullerton Financial Holdings, Global Founders Capital, Riverwood Capital, etc.

What They Do: NIUM offers real-time cross-border payment solutions, enabling businesses to make international payments quickly and efficiently. 

The company provides multi-currency payment capabilities, expense management, and payroll solutions. 

NIUM leverages a vast network of financial partnerships and regulatory licenses in over 40 countries to facilitate seamless global transactions.

24. Ripple

Blockchain-Based Payment Network

Year Founded: 2012

Country: United States

CEO: Brad Garlinghouse

Total Funding: $293.91M

Latest Funding Round: Series B

Investors: Andreessen Horowitz, Digital Currency Group, IDG Capital, etc.

What They Do: Ripple uses blockchain technology to provide fast, low-cost cross-border payments. 

Its RippleNet network connects banks, payment providers, and digital asset exchanges to facilitate instant international payments with end-to-end tracking and transparency.

25. Tazapay

Cross-Border Payments and Escrow Services

Year Founded: 2020

Country: Singapore

CEO: Rahul Shinghal

Total Funding: $21.85 million

Latest Funding Round: Series A

Investors: Surge, Saison Capital, January Capital, RTP Global, etc.

What They Do: Tazapay offers cross-border payments and escrow services, primarily targeting SMEs and marketplaces. 

Their platform ensures secure transactions by holding funds in escrow until both parties fulfill their contractual obligations, reducing the risk of fraud and non-payment

26. Terrapay

Mobile Payment Network

Year Founded: 2014

Country: United Kingdom

CEO: Ambar Sur

Total Funding: $133.43M

Latest Funding Round: Corporate round

Investors: International Finance Corporation, Management Financial Group, Partech Partners, etc.

What They Do: Terrapay facilitates cross-border mobile payments, allowing users to send and receive money directly to mobile wallets. 

The company connects mobile wallet operators, banks, and money transfer operators to create a global payments ecosystem that supports financial inclusion.

27. Thunes

Cross-Border Payment Network

Year Founded: 2016

Country: Singapore

CEO: Peter De Caluwe

Total Funding: $202 million

Latest Funding Round: Series C

Investors: DT One, Airbnb, GGV Capital, Xiaomi, Checkout.com, etc.

What They Do: Thunes operates a global cross-border payment network that connects different payment systems, enabling seamless and secure international transfers. 

The company supports various payment methods, including mobile wallets, bank transfers, and cash pickups, catering to businesses and consumers in emerging markets.

Cryptocurrency

28. BitGo

Digital Asset Custody and Security

Year Founded: 2013

Country: United States

CEO: Mike Belshe

Total Funding: $171.5 million

Latest Funding Round: Corporate round

Investors: A-Grade, Blockchain Capital, Bridgescale Partners, Digital Currency Group, etc.

What They Do: BitGo provides secure and regulated custody solutions for digital assets, including multi-signature wallets, qualified custody, and institutional-grade security. 

The company also offers trading, lending, staking, and DeFi access, serving over 1,500 institutional clients worldwide.

29. ConsenSys

Blockchain Software Development

Year Founded: 2014 

Country: United States

CEO: Joseph Lubin

Total Funding: $726.70 million

Latest Funding Round: Venture- series unknown

Investors: SK Group, Paycheck Protection Program, J.P. Morgan, etc.

What They Do: ConsenSys develops software solutions for the Ethereum blockchain, providing tools for developers, enterprises, and end-users. 

Their products include MetaMask, Infura, Truffle, and Quorum, which facilitate blockchain application development and deployment.

30. Ledger

Hardware Wallets and Security Solutions

Year Founded: 2014

Country: France

CEO: Pascal Gauthier

Total Funding: $577 million

Latest Funding Round: Series C 

Investors: Alain Tingaud Innovations, Fred Potter, Hi-Media, etc.

What They Do: Ledger offers hardware wallets that provide secure storage for cryptocurrencies. 

The company's products, such as the Ledger Nano S and Ledger Nano X, are designed to safeguard digital assets with high-level security features, including secure elements and proprietary operating systems.

31. TRM Labs

Blockchain Intelligence and Analytics

Year Founded: 2018

Country: United States

CEO: Esteban Castaño

Total Funding: $150.05M

Latest Funding Round: Series B

Investors: Blockchain Capital, Green D Ventures, Tapas Capital, etc.

What They Do: TRM Labs provides blockchain intelligence and analytics solutions to help organizations detect and investigate fraud, financial crime, and money laundering in digital assets. 

Digital Banking 

32. Allica Bank

SME-Focused Digital Banking

Year Founded: 2017

Country: United Kingdom

CEO: Richard Davies

Total Funding: €291 million

Latest Funding Round: Series C

Investors: Warwick Capital Partners, Atalaya Capital Management, TCV, etc.

What They Do: Allica Bank provides digital banking services specifically tailored for small and medium-sized enterprises (SMEs). 

They offer a range of products including business current accounts, savings accounts, commercial mortgages, and asset finance solutions. 

Allica combines modern technology with personalized service to empower SMEs with efficient and reliable banking solutions.

33. Bunq

Digital Challenger Bank

Year Founded: 2012

Country: Netherlands

CEO: Ali Niknam

Total Funding: €366.9 million

Latest Funding Round: Venture- series unknown

Investors: Pollen Street Capital

What They Do: Bunq is a digital challenger bank that offers a variety of personal and business banking services. Known for its user-friendly app and innovative features, Bunq allows customers to manage their finances seamlessly. 

34. C6 Bank

Full-Service Digital Bank

Year Founded: 2018

Country: Brazil

CEO: Marcelo Kalim

Total Funding: $2.3 billion

Latest Funding Round: Corporate round

Investors: Credit Suisse, J.P. Morgan Chase & Co.

What They Do: C6 Bank provides a comprehensive range of digital banking services, including personal and business accounts, credit cards, loans, and investment products. 

C6 Bank aims to offer a seamless banking experience with a focus on customer service and innovative financial solutions.

35. Clair

On-Demand Pay Solutions

Year Founded: 2019

Country: United States

CEO: Nico Simko

Total Funding: $194.6 million

Latest Funding Round: Debt financing

Investors: Founder Collective, Michael Vaughan, Paul Appelbaum, UpWest, etc.

What They Do: Clair offers on-demand pay solutions that allow employees to access their earnings instantly, without waiting for payday. 

This service helps improve financial wellness for workers by providing immediate access to earned wages, reducing the need for payday loans and other high-cost credit options.

36. Nomad

International Digital Banking

Year Founded: 2019

Country: United States

CEO: Patrick Kavanagh

Total Funding: R$590 million

Latest Funding Round: Series B

Investors: Abstract Ventures, Hans Tung, Monashees+, GF Capital, etc.

What They Do: Nomad provides digital banking services tailored for international clients, including expatriates and global travelers. 

They offer multi-currency accounts, international transfers, and other banking services that cater to the needs of people living and working abroad.

37. ONE ZERO

Premium Digital Banking

Year Founded: 2019

Country: Israel

CEO: Gal Bar Dea

Total Funding: $182 million

Latest Funding Round: Series B

Investors: Hachshara Insurance, Hebrew University of Jerusalem, Tencent, etc.

What They Do: ONE ZERO offers premium digital banking services with a focus on personalized financial management. 

Their platform includes a full range of banking products and services, enhanced by AI-driven financial advice and insights to help customers manage their money more effectively.

38. Telda

Digital Banking for Millennials

Year Founded: 2021

Country: Egypt

CEO: Ahmed Sabbah

Total Funding: $25 million

Latest Funding Round: Seed

Investors: Class 5 Global, Global Founders Capital, Sequoia Capital, etc.

What They Do: Telda provides digital banking services designed for millennials and young adults. 

The app offers features like instant transfers, budgeting tools, and virtual cards to help users manage their finances easily and efficiently.

Financial Services Automation 

39. Cognaize

AI-powered financial data automation

Year Founded: 2020

Country: United States

CEO: Al Eisaian

Total Funding: $20 million

Latest Funding Round: Series A

Investors: Argonautic Ventures, Armen Kherlopian, BAJ Accelerator, Empire Startups, and several others.

What They Do: Cognaize leverages AI to automate data extraction and analysis for financial institutions, enhancing decision-making and operational efficiency.

40. Rightfoot

Zero-Login Financial Data platform

Year Founded: 2018

CEO: Dani Pensack

Total Funding: $20 million

Latest Funding Round: Series A

Investors: Blue Lion Global, Renegade Partners, Bain Capital Ventures, Box Group, Kraken Ventures.

What They Do: Rightfoot provides a zero-login consumer-permissioned financial data platform. 

Their technology, Connect Magic, surfaces customer-permissioned and up-to-date banking and credit data, such as bank account balances, deposits, withdrawals, and credit card balances. 

Fraud Prevention & Compliance

41. Alloy

Identity verification and fraud prevention platform

Year Founded: 2002

Country: United States

CEO: Tommy Nicholas

Total Funding: $207.8 million

Latest Funding Round: Series C

Investors: Commerce.Innovated, Barclays Accelerator, Mastercard Start Path, Canapi Ventures, and others.

What They Do: Alloy provides an identity verification and fraud prevention platform that helps financial institutions manage and automate their onboarding and transaction monitoring processes.

42. Fourthline

AI-driven KYC and AML compliance

Year Founded: 2017

Country: Netherlands

CEO: Krik Gunning

Total Funding: $74.9 million

Latest Funding Round: Series B

Investors: Finch Capital, Radboud Vlaar.

What They Do: Fourthline specializes in AI-driven Know Your Customer (KYC) and Anti-Money Laundering (AML) compliance solutions, enabling businesses to comply with regulatory requirements efficiently.

43. Signzy

Digital onboarding and KYC solutions

Year Founded: 2015

Country: India

CEO: Ankit Ratan

Total Funding: $38.35 million

Latest Funding Round: Series B

Investors: Yes Fintech, Catalyst Startup Accelerator, K-Startup Grand Challenge.

What They Do: Signzy provides digital onboarding and KYC solutions using AI and blockchain technology, ensuring secure and compliant processes for financial institutions.

44. Unit21

Risk and compliance infrastructure

Year Founded: 2018

Country: United States

CEO: Trisha Kothari

Total Funding: $92.12 million

Latest Funding Round: Series C

Investors: Commerce.Innovated, A.Capital, Chris Britt, Core VC, and others.

What They Do: Unit21 offers a customizable risk and compliance infrastructure to detect and manage suspicious activities, helping organizations meet their compliance obligations.

45. Veriff

Identity verification platform

Year Founded: 2015

Country: Estonia

CEO: Kaarel Kotkas

Total Funding: $192.32 million

Latest Funding Round: Series C 

Investors: Y Combinator, ACE & Company, Ashton Kutcher, Ernestine Fu, and others.

What They Do: Veriff provides an identity verification platform that ensures secure and reliable verification of identities online, preventing fraud and ensuring compliance.

Insurance

46. Accelerant

Insurance risk exchange platform

Year Founded: 2018

Country: United Kingdom

CEO: Jeff Radke

Total Funding: $343 million

Latest Funding Round: Private equity

Investors: Altamont Capital Partners, Deer Park Road, Eldridge Industries, and others.

What They Do: Accelerant provides a risk exchange platform for underwriters, allowing them to exchange, finance, and access insights on insurance risks.

47. Akur8

AI-driven insurance pricing

Year Founded:  2019

Country: France

CEO: Samuel Falmagne

Total Funding: $66.28M

Latest Funding Round: Venture- series unknown

Investors: Kamet, BlackFin Capital Partners, MTech Capital, and others.

What They Do: Akur8 leverages AI to automate insurance pricing, providing transparent and efficient pricing models for insurers.

48. Bolttech

Insurance and protection ecosystem

Year Founded: 2020

Country: Singapore

CEO: Rob Schimek

Total Funding: $493.20 million

Latest Funding Round: Series B

Investors: Pacific Century Group, Activant Capital, Alpha Leonis Partners, and others.

What They Do: Bolttech offers an ecosystem that connects insurers, distributors, and customers, facilitating the distribution of insurance and protection products.

49. Coterie Insurance

Small business insurance platform

Year Founded: 2018

Country: United States

 CEO: David McFarland

Total Funding: $72.26M

Latest Funding Round: Venture - Series Unknown

Investors: Greenlight Re Innovations, Intercept Ventures, Allos Ventures, and others.

What They Do: Coterie Insurance provides a platform for small business insurance, simplifying the process of buying and managing insurance for small businesses.

50. Cover Genius

Insurance distribution platform

Year Founded: 2014

Country: Australia

CEO: Angus McDonald

Total Funding: $160.50 million

Latest Funding Round: Series E

Investors: King River Capital, Belfer Family, Jasper Tans, and others.

What They Do: Cover Genius offers an insurance distribution platform that enables companies to embed insurance products into their customer experiences.

51. Cowbell Cyber

Cyber insurance for SMEs

Year Founded: 2019

Country: United States

CEO: Jack Kudale

Total Funding: $124.04M

Latest Funding Round: Series B

Investors: Plug and Play Insurtech, Global Insurance Accelerator, Avanta Ventures, and others.

What They Do: Cowbell Cyber provides cyber insurance specifically designed for small and medium-sized enterprises (SMEs), offering coverage for cyber threats and risks.

52. Fairmatic

AI-powered auto insurance

Year Founded: 2019

Country: United States

CEO: Jonathan Matus

Total Funding: $88.00M

Latest Funding Round: Series B

Investors: Aquiline Capital Partners, Assaf Wand, Bill Tai, and others.

What They Do: Fairmatic leverages AI to offer personalized auto insurance, focusing on driving behavior and risk assessment to provide fair pricing.

53. Novidea

Insurance management platform

Year Funded: 2009

Country: Israel

CEO: Roi Agababa

Total Funding: $110 million

Latest Funding Round: Series C

Investors: KT Squared, Salesforce Ventures, 2B Angels, JAL Ventures, and others.

What They Do: Novidea provides a cloud-based insurance management platform, offering end-to-end management solutions for insurance brokers and agencies.

54. Qoala

Insurance simplified platform

Year Founded: 2018

Country: Indonesia

CEO: Harshet Lunani

Total Funding: $133.9 million

Latest Funding Round: Series C

Investors: Genesia Ventures, MDI Ventures, MassMutual Asia, and others.

What They Do: Qoala is an insurtech platform that leverages technology to offer insurance products and services in a simplified and accessible manner.

Lending

55. Anyfin

Refinancing platform

Year Founded: 2017 

Country: Sweden

CEO: Mikael Hussain

Total Funding: $138.1 million

Latest Funding Round: Series C

Investors: Accel, Global Founders Capital, Northzone, Fintech Collective, and others.

What They Do: Anyfin is a refinancing platform that helps consumers reduce their interest costs by refinancing their existing loans and credit cards.

56. Arc Technologies

Revenue-based financing

Year Founded: 2021

Country: United States

CEO: Don Muir

Total Funding: $186.5 million

Latest Funding Round: Series A

Investors: Clocktower Technology Ventures, NFX, Alumni Ventures Group, and others.

What They Do: Arc Technologies offers revenue-based financing solutions to help startups secure non-dilutive capital by leveraging their future revenue.

57. Liberis

Business cash advance

Year Founded: 2007

Country: United Kingdom

CEO: Rob Straathof

Total Funding: $441.10 million

Latest Funding Round: Debt financing

Investors: Blenheim Chalcot, BCI Finance, British Business Investments, and others.

What They Do: Liberis provides business cash advances, offering small businesses an alternative to traditional loans by advancing funds against future revenue.

58. Liquidity

Credit solutions for SMEs

Year Funded: 2018

Country: Israel

CEO: Ron Daniel

Total Funding: $839 million

Latest Funding Round: Debt, venture

Investors: MUFG Innovation Partners, Spark Capital, Apollo Global Management, and others.

What They Do: Liquidity offers credit solutions for small and medium-sized enterprises (SMEs), providing flexible and accessible financing options.

59. PayJoy

Smartphone financing

Year Founded: 2015

Country: United States

CEO: Doug Ricket

Total Funding: $410.2 million

Latest Funding Round: Debt financing

Investors: Compound, Red Swan Ventures, Core Innovation Capital, and others.

What They Do: PayJoy provides smartphone financing solutions, allowing underserved consumers to purchase smartphones on installment plans.

60. Possible Finance

Mobile-only installment loans

Year Founded: 2017

Country: United States

CEO: Tony Huang

Total Funding: $157.5 million

Latest Funding Round: Venture- series unknown

Investors: FJ Labs, Hustle Fund, Seattle Bank, Unlock Ventures, and others.

What They Do: Possible Finance offers mobile-only installment loans, providing an accessible and affordable alternative to payday loans for consumers.

Mobile Wallets & Remittances

61. Dana

Mobile wallet and payment platform

Year Founded: 2021

Country: Indonesia

CEO: Vincent Iswara

Total Funding: $554.50 million

Latest Funding Round: Secondary Market

Investors: Ant Group, Lazada, Sinar Mas Indonesia

What They Do: Dana is a mobile wallet and payment platform that provides digital payment services, including peer-to-peer transfers, bill payments, and online purchases.

62. LemFi

Cross-border remittance platform

Year Founded: 2020

Country: United Kingdom

CEO: Ridwan Olalere

Total Funding: $33.86 million

Latest Funding Round: Series A

Investors: Y Combinator, Acuity Ventures, Microtraction, and others.

What They Do: LemFi offers a cross-border remittance platform that allows users to send money internationally with competitive exchange rates and low fees.

63. Opay

Super app with mobile wallet

Year Founded: 2018

Country: Nigeria

CEO: Jide Odunsi

Total Funding: $570 million

Latest Funding Round: Series C

Investors: GSR Ventures, HongShan, IDG Capital, Meituan, and others.

What They Do: Opay is a super app that includes a mobile wallet offering payment services, money transfers, and financial products to its users.

64. Uala

Personal finance and mobile wallet app

Year Founded: 2017 

Country: Argentina

CEO: Pierpaolo Barbieri

Total Funding: $544 million

Latest Funding Round: Grant

Investors: Bessemer Venture Partners, George Soros, Kevin P. Ryan, and others.

What They Do: Uala is a personal finance and mobile wallet app that provides users with a prepaid card, financial management tools, and payment services.

Payment acceptance 

65. Adumo

Payment Processor

Year Founded: 2009

Country: South Africa

CEO: Paul Kent

Total Funding: $25.99 million

Latest Funding Round: Venture- Series unknown 

Investors: International Finance Corporation, Investec, Apis Partners

What They Do: Adumo is a leading payment processor in South Africa, providing secure and efficient payment acceptance solutions to businesses of all sizes.

66. Balance

B2B Payments Platform

Year Founded: 2019

Country: United States

CEO: Bar Geron

Total Funding: $431 million

Latest Funding Round: Debt Financing

Investors: Y Combinator, Lightspeed Venture Partners, SciFi VC

What They Do: Balance offers a B2B payment platform that provides payment solutions for businesses, simplifying and securing transactions for both online and offline purchases.

67. Moniepoint

SME Financial Tools

Year Founded: 2015

Country: United Kingdom

CEO: Tosin Eniolorunda

Total Funding:  $57.50 million

Latest Funding Round: Debt Financing

Investors: Quantum Capital Partners, British International Investment

What They Do: Moniepoint provides financial and operational tools for small and medium-sized businesses in Africa, offering solutions like payments, banking, and business management.

68. Nomba

SME Payment Solutions

Year Founded: 2017

Country: Nigeria

CEO: Yinka Adewale

Total Funding: $35.12 million

Latest Funding Round: Series B

Investors: Y Combinator, Ecobank Fintech Challenge, Google Launchpad

What They Do: Nomba is a Nigerian fintech company offering payment solutions and business tools for SMEs, including point-of-sale systems and digital payment options.

69. Paymob

Payment Gateway

Year Founded: 2015

Country: Egypt

CEO: Islam Shawky

Total Funding: $68.5 million

Latest Funding Round: Series B

Investors: A15, FMO, Global Ventures, British International Investment

What They Do: Paymob provides a payment gateway and point-of-sale solutions to merchants, facilitating easy and secure transactions both online and offline.

70. Qlub

QR-Based Restaurant Payments

Year Founded: 2021

Country: United Arab Emirates

CEO: Eyad Alkassar

Total Funding: $42 million

Latest Funding Round: Seed

Investors: Cherry Ventures, FinTech Collective, Heartcore Capital

What They Do: Qlub offers a QR-based payment solution for restaurants, allowing customers to easily pay their bills through their smartphones, enhancing the dining experience.

Payroll & benefits

71. Brightside

Employee Financial Wellness Platform

Year Founded: 2017

Country: United States

CEO: Tom Spann

Total Funding: $72.23 million

Latest Funding Round: Series B

Investors: Comcast Ventures, Trinity Ventures, Financial Venture Studio

What They Do: Brightside provides a financial health platform for employees, offering personalized financial guidance and solutions to improve their financial well-being.

72. Finch

Payroll & Benefits API

Year Founded: 2020 

Country: United States

CEO: Jeremy Zhang

Total Funding: $62.13 million

Latest Funding Round: Undisclosed

Investors: Y Combinator, BoxGroup, Clocktower Technology Ventures

What They Do: Finch offers an API platform that connects and syncs payroll and benefits data across various systems, making it easier for businesses to manage employee information.

73. Multiplier

Global Employment Solutions

Year Founded: 2020

Country: Singapore

CEO: Sagar Khatri

Total Funding: $77.2 million

Latest Funding Round: Series B

Investors: Golden Gate Ventures, MS&AD Ventures, Picus Capital

What They Do: Multiplier provides a platform for global employment solutions, enabling companies to hire, onboard, and manage employees across different countries seamlessly.

74. Remote

Global Payroll & Benefits

Year Founded: 2019

Country: Netherlands

CEO: Job van der Voort

Total Funding: $496 million

Latest Funding Round: Series C

Investors: General Catalyst, INKEF Capital, Index Ventures

What They Do: Remote offers global payroll, benefits, and compliance services, helping businesses manage their international workforce with ease.

75. Tapcheck

On-Demand Pay

Year Founded: 2019

Country: United States

CEO: Ron Gaver

Total Funding: $38.03 million

Latest Funding Round: Venture - Series Unknown

Investors: PeakSpan Capital, FIS Fintech Accelerator

What They Do: Tapcheck provides an on-demand pay solution, allowing employees to access their earned wages before payday, improving their financial flexibility.

76. Velocity Global

Global Workforce Management

Year Founded: 2014

Country: United States

CEO: Ben Wright

Total Funding: $500 million

Latest Funding Round: Series B

Investors: FFL Partners, Eldridge, Norwest Venture Partners

What They Do: Velocity Global offers services for managing a global workforce, including hiring, payroll, benefits, and compliance, enabling companies to expand their operations internationally.

Real estate & mortgage

77. Casavo

Instant Buyer (iBuyer)

Year Founded: 2017

Country: Italy

CEO: Giorgio Tinacci

Total Funding: $796.98 million

Latest Funding Round: Series D

Investors: 360 Capital Partners, Boost Heroes, Kervis Asset Management

What They Do: Casavo operates as an instant buyer (iBuyer) in the real estate market, offering a platform that allows homeowners to sell their properties quickly and easily by providing instant offers and managing the entire transaction process.

78. Measurabl

Real Estate ESG Data

Year Founded: 2013

Country: United States

CEO: Matt Ellis

Total Funding: $172.6 million

Latest Funding Round: Series D

Investors: CrossCut Ventures, Borealis Ventures, Camber Creek

What They Do: Measurabl provides a platform for real estate ESG (Environmental, Social, and Governance) data management, helping real estate owners and investors track, report, and improve their sustainability performance.

79. Valon

Mortgage Servicing

Year Founded: 2019

Country: United States

CEO: Andrew Wang

Total Funding: $97.1 million

Latest Funding Round:Series B

Investors: 166 2nd Financial Services, Andreessen Horowitz, Soros Fund Management

What They Do: Valon offers a modern mortgage servicing platform that simplifies the mortgage management process for homeowners, providing better transparency and customer service.

Retail & alternative investing

80. Moonfare

Private Equity Investment Platform

Year Founded: 

Country: Germany

CEO: Steffen Pauls

Total Funding: $203.00M

Latest Funding Round: Series C

Investors: Fidelity International Strategic Ventures, Insight Partners, Holtzbrinck Ventures

What They Do: Moonfare offers a digital platform that allows individual investors to invest in top-tier private equity funds, providing access to an asset class traditionally reserved for institutional investors.

81. Public

Social Investing Platform

Year Founded: 2019

Country: United States

CEO: Leif Abraham and Jannick Malling

Total Funding: $308.5 million

Latest Funding Round: Venture - Series Unknown

Investors: Peter Dartley, Sean Hendelman, Accel, Greycroft

What They Do: Public is a social investing platform that enables users to invest in stocks, ETFs, and cryptocurrencies while providing a community-driven experience with social features like group discussions and shared portfolios.

82. Republic

Investment Crowdfunding Platform

Year Founded: 2016

Country: United States

CEO: Kendrick Nguyen

Total Funding: $214 million

Latest Funding Round: Venture - Series Unknown

Investors: WellFound, Good Growth Capital, Binance Ventures

What They Do: Republic is an investment platform that allows anyone to invest in startups, real estate, crypto, and video games, democratizing access to investment opportunities previously available only to accredited investors.

83. StockGro

Social Investment Platform

Year Founded: 2020

Country: India

CEO: Ajay Lakhotia

Total Funding: $62.9 million

Latest Funding Round: Debt financing

Investors: Roots Ventures, Velo Partners, Kunal Shah, Rahul Garg

What They Do: StockGro is a social investment platform that gamifies the investing experience, allowing users to learn about stock markets and compete in virtual trading leagues for rewards.

84. Trade Republic

Neobroker

Year Founded: 2015 

Country: Germany

CEO: Christian Hecker, Thomas Pischke, Marco Cancellieri

Total Funding: $1.3 billion

Latest Funding Round: Series C

Investors: Creandum, Project A Ventures, Accel, Founders Fund

What They Do: Trade Republic is a neobroker that offers commission-free trading of stocks, ETFs, and cryptocurrencies, making investing more accessible and affordable for retail investors.

Spend management

85. Airbase

Expense Management Platform

Year Founded: 2017

Country: United States

CEO: Thejo Kote

Total Funding: $251.5 million

Latest Funding Round: Debt financing

Investors: BoxGroup, First Round Capital, Maynard Webb, Quiet Capital

What They Do: Airbase is a comprehensive spend management platform for small to mid-sized companies. It provides a suite of tools to manage expenses, vendor payments, and employee reimbursements.

86. Aspire

Digital Business Accounts Provider

Year Founded: 2018

Country: Singapore

CEO: Andrea Baronchelli

Total Funding: $299.5 million

Latest Funding Round: Series C

Investors: Y Combinator, Hummingbird Ventures, Insignia Ventures Partners

What They Do: Aspire is a Singapore-based fintech company offering digital business accounts for small and medium-sized enterprises. It focuses on simplifying and streamlining expense management and corporate finances.

87. Brex

Corporate Credit Cards and Financial Management

Year Founded: 2017

Country: United States

CEO: Henrique Dubugras

Total Funding: $1.5 billion

Latest Funding Round: Series D

Investors: Carl Pascarella, Max Levchin, One Way Ventures, Ribbit Capital

What They Do: Brex provides corporate credit cards and financial management solutions for startups and larger companies. Their platform integrates expense management, bill pay, and cash management services.

88. Clara

Business Credit Cards and Expense Software

Year Founded: 2020

Country: Mexico

CEO: Diego García

Total Funding: $408.5 million

Latest Funding Round: Series B

Investors: Adapt Ventures, BossaNova Investimentos, Canary

What They Do: Clara is a corporate spend management solution offering business credit cards and software to manage spending, track expenses, and provide real-time financial insights for companies in Latin America.

89. Jeeves

All-in-One Expense Management

Year Founded: 2019

Country: United States

CEO: Dileep Thazhmon

Total Funding: $443 million

Latest Funding Round: Debt financing

Investors: Y Combinator, Tribe Capital, William Hockey, Wharton FinTech

What They Do: Jeeves provides an all-in-one expense management platform that includes corporate cards, reimbursement, and bill payment solutions. It caters to high-growth global startups and enterprises.

90. Mesh

Flexible Spend Management

Year Founded: 2018

Country: United States

CEO: Oded Zehavi

Total Funding: $123M

Latest Funding Round: Series C

Investors: Meron Capital, R-Squared Ventures, Ryan Gilbert, Tiger Global Management

What They Do: Mesh Payments offers a flexible spend management platform designed to simplify and automate expense processes for growing companies. It provides corporate cards, bill payments, and spend controls.

91. Payhawk

Integrated Spend Management Solution

Year Founded: 2018

Country: United Kingdom

CEO: Hristo Borisov

Total Funding: $239.1 million

Latest Funding Round: Series B

Investors: Eleven Ventures, Mark Ransford, Perry Blacher, Peter Frankopan

What They Do: Payhawk is a UK-based fintech company that offers a spend management solution combining corporate cards, expense management, and invoice processing into a single platform for businesses.

92. Ramp

Corporate Card and Expense Management

Year Founded: 2019

Country: United States

CEO: Eric Glyman

Total Funding: $1.8 billion

Latest Funding Round: Series D

Investors: BoxGroup, Coatue Management, Keigh Rabois, Background Capital

What They Do: Ramp provides a corporate card and spend management platform that helps companies manage expenses, automate accounting, and save money through real-time spend analysis and insights.

93. Yokoy

AI-driven Spend Management

Year Founded: 2019

Country: Switzerland

CEO: Philipp Marty

Total Funding: $107.79 million

Latest Funding Round: Series B

Investors: SIX Group Ventures, Swisscom Ventures, Tenity, btov Partners

What They Do: Yokoy is a Swiss fintech company offering an AI-driven spend management solution that covers expense management, supplier invoices, and corporate cards, aimed at automating financial processes for companies.

Wealth & Asset Management

94. AlphaSense

AI-powered Market Intelligence Platform

Year Founded: 2008 

Country: United States

CEO: Jack Kokko

Total Funding: $770.1 million

Latest Funding Round: Venture- series unknown

Investors: First Fellow Partners, Quantum Strategic Partners, Soros Fund Management

What They Do: AlphaSense provides an AI-powered market intelligence and search platform for financial services firms and corporations to make data-driven decisions.

95. Altruist

Digital Investment Platform for Advisors

Year Founded: 2018

Country: United States

CEO: Jason Wenk

Total Funding: $449.5 million

Latest Funding Round: Series E

Investors: Endeavor, Venrock, Ron Carson, William McNabb

What They Do: Altruist is a digital investment platform for financial advisors, aiming to provide low-cost investment management and streamline operations for advisors.

96. Conquest Planning

AI-driven Financial Planning Software

Year Founded: 2018

Country: Canada

CEO: Mark Evans

Total Funding: $29.4 million

Latest Funding Round: Series A

Investors: Fidelity International Strategic Ventures, Portage Ventures

What They Do: Conquest Planning offers an AI-driven financial planning software designed to help financial advisors and their clients achieve personalized financial goals.

97. Endowus

Digital Wealth Management Platform

Year Founded: 2017

Country: Singapore

CEO: Gregory Van

Total Funding: $82.86 million

Latest Funding Round: Series C

Investors: Lightspeed Venture Partners, Softbank Ventures Asia

What They Do: Endowus is a digital wealth management platform based in Singapore, offering investment advice and portfolio management services tailored to individual needs.

98. Farther

Digital Wealth Management Platform

Year Founded: 2019

Country: United States

CEO: Taylor Matthews

Total Funding: $46 million

Latest Funding Round: Series B

Investors: MassChallenge, Bessemer Venture Partners, Context Ventures

What They Do: Farther provides a digital wealth management platform that combines automated investment management with human advice for high-net-worth individuals.

99. SESAMm

Big Data and AI-powered Investment Analytics

Year Founded: 2014

Country: France

CEO: Sylvain Forté

Total Funding: $55.21 million

Latest Funding Round: Series B

Investors: A-Venture, Bourgogne Franche Comte Angels, Bpifrance

What They Do: SESAMm is a fintech company that specializes in big data and AI-powered investment analytics, providing insights and tools for asset managers and hedge funds.

100. Upvest

API Platform for Investment Infrastructure

Year Founded: 2017

Country: Germany

CEO: Martin Kassing

Total Funding: $94.5 million

Latest Funding Round: Venture - Series Unknown

Investors: Speedinvest, HV Capital, Notion Capital, Partech

What They Do: Upvest offers an API platform for investment infrastructure, enabling fintechs to provide investment products such as securities and ETFs to their customers.

Conclusion

This concludes our list of 100 fintech startups to watch out for in 2024.

What makes these companies remarkable is their diverse market focus, ranging from serving individual consumers to catering to large enterprises.

Each startup has its unique approach, driving innovation and growth in various sectors of the fintech industry.

Keep an eye on these companies as they continue to shape the future of finance.

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