Startups Directory

Clear Street is a cloud-native capital markets platform that replaces legacy 1970s-80s mainframe infrastructure with modern real-time ledger technology. It unifies trading, risk management, financing, clearing, and custody for institutional clients on a single platform. The company serves sophisticated institutional investors—hedge funds, market makers, and ETF issuers—who are too complex for retail platforms but underserved by major bulge-bracket prime brokers. Clear Street generates revenue primarily through net financing (margin, securities lending, and collateralized financing) rather than commissions.

Incode Technologies is an AI-powered identity verification platform that uses facial recognition, liveness detection, and document analysis to prevent fraud in real-time. The company serves financial institutions, fintech platforms, hospitality, and government agencies with a fully automated omnichannel solution that processes 4.1B+ identity checks annually. Incode's proprietary AI achieves 99% facial recognition accuracy, detects deepfakes instantly, and is 8.8x more accurate at identifying AI-generated documents than traditional methods. The platform is distinguished by its iBeta PAD Level 2 certification and zero-human-in-the-loop automation, making it faster and more fraud-resistant than competitors.

Xelix is an AI-powered accounts payable intelligence platform that bolts onto existing ERP and AP systems to enhance financial controls and prevent fraud. Unlike traditional AP automation vendors, Xelix focuses on assurance, overpayment detection, and vendor statement reconciliation using proprietary AI models trained on seven years of data. The platform processes $200B+ in annual invoice flow, reviewing 500+ data points per invoice to identify threats and errors in real-time, and has achieved a 98% customer retention rate.

Denim is a financial operations platform built specifically for freight brokers, automating invoicing, collections, carrier payments, and providing flexible invoice factoring. Unlike traditional factoring companies with all-or-nothing models, Denim lets brokers choose which invoices to factor and when, while AI-powered algorithms evaluate risk across 20 data points per shipment. The platform integrates with accounting software like QuickBooks and has processed over $2 billion in payments, reducing daily financial operations tasks by 75%.

Capchase is a revenue-based financing platform that provides non-dilutive growth capital to B2B SaaS companies with $1M+ ARR. Through its Capchase Grow product, companies can access up to 70% of their annual recurring revenue as upfront capital, while Capchase Pay enables B2B buy-now-pay-later functionality for their customers. The platform has deployed over $2 billion to nearly 3,000 customers since 2020, offering 24-48 hour funding decisions without restrictive covenants or equity dilution.

RedotPay is a stablecoin-based fintech platform that combines crypto payment cards, cross-border payout rails, and multi-currency accounts into a unified financial app. It serves consumers in emerging markets facing currency instability and limited banking infrastructure by enabling global spending and transfers using cryptocurrencies without fiat conversion. With 6+ million users across 100+ countries and $10B+ annualized payment volume, RedotPay has achieved unicorn status ($1B+ valuation) in under 3 years, backed by tier-one investors including Lightspeed, Coinbase Ventures, and Goodwater Capital.

⚠️ INACTIVE: Prime Trust was a technology-driven trust company that provided API-based financial infrastructure for fintech and digital asset companies, offering custody, funds processing, compliance, and transaction settlement services. The company served nearly 700 B2B clients including Swan, Abra, Dapper Labs, and Binance US. Prime Trust filed for Chapter 11 bankruptcy in August 2023 and is no longer operating.

Cowbell Cyber is the leading provider of adaptive cyber insurance for small and medium-sized enterprises, serving nearly 30,000 businesses across the U.S., UK, and Australia. The company uses AI-powered continuous underwriting (Cowbell Factors) to compress the insurance process from submission to issuance in under 5 minutes, with renewal pricing directly tied to observed risk profiles throughout the year. Beyond insurance, Cowbell offers integrated Resiliency Services including MDR SOC, penetration testing, security training, and identity AI. Their largest cyber insurance distribution network in the U.S. spans over 14,000 producers and monitors 23 million businesses.

Wrapbook is a vertical SaaS platform for the entertainment industry that automates production payroll, accounting, and crew management at scale. It serves as an Employer of Record (EOR) for payroll taxes, withholdings, and compliance, while unifying cost tracking and reporting in a single platform. Built-in union compliance for 16 collective bargaining agreements and a team of industry experts from SAG-AFTRA, DGA, and IATSE give it a distinct competitive edge in managing hundreds to thousands of crew members per production.

Kushki is a regional payments infrastructure platform that standardizes Latin America's fragmented payment ecosystem by integrating credit/debit cards, bank transfers, and 300,000+ cash payment points through a single API. Operating as the first non-bank acquirer licensed in the region, it enables businesses across LatAm to accept payments globally, receive funds in local currency, and process transactions end-to-end with direct VISA/Mastercard connections. The platform provides omnichannel solutions spanning e-commerce, m-commerce, and physical retail through customizable integration options including APIs, SDKs, plugins, and payment buttons.

TerraPay is a mobile-first international payment network that interconnects financial services providers—banks, mobile wallets, money transfer operators, and payment platforms—through a single API. Operating as an asset-light, network-heavy model, TerraPay enables seamless cross-border fund transfers to 139 receive countries with access to 7.5+ billion bank accounts and 2.1+ billion mobile wallets. The platform reduces integration friction for partners while capturing transaction routing and settlement economics, positioning itself as a preferred rails provider for remittances, gig platforms, and marketplaces in emerging markets.

Insurify is an AI-driven digital insurance agent licensed in all 50 states that connects consumers with real-time, bindable car insurance quotes from 100+ carriers in minutes. The platform uses proprietary RateRank technology to match individual risk profiles to optimal carriers and coverage, eliminating the friction of traditional insurance shopping. Since 2016, Insurify has served over 196 million quotes and generated $200 billion in total coverage, with customers saving hundreds of dollars annually.