Startups Directory

Klarna is a buy-now-pay-later (BNPL) platform that enables customers to split purchases into interest-free installments or pay within 30 days, while merchants get paid upfront. The platform serves e-commerce retailers globally and offers additional features like price comparison, cashback rewards, and price tracking. Klarna differentiates itself by not charging late fees on its popular 4-installment payment method and has integrated with 24 of the top 100 US retailers, more than any competitor.

Alpheya is a cloud-native, AI-powered wealth management infrastructure platform serving financial institutions across the MENA region. It provides end-to-end capabilities including client onboarding, portfolio construction, execution, reporting, and advisory workflows through personalized web/mobile applications and CRM tools. The platform addresses the $1 trillion+ in Gulf personal financial assets that remain deployed overseas or at risk of flight due to outdated regional banking systems. With nearly $50 billion in assets running on its platform, Alpheya is anchoring wealth back into regional financial systems through modern technology.

BILT is a payments and commerce network that enables renters to earn rewards on rent and HOA payments—the first platform to make housing expenditures rewardable. The company powers rental payments in 25% of U.S. apartment buildings, serving 5.5 million members across a network of 1-in-4 apartment buildings nationwide. Members earn points on every on-time payment redeemable for travel, rent credits, fitness classes, student loan payments, or down payment assistance. BILT generates revenue through interchange fees, merchant partnerships (40,000+ nationwide), and referral fees.

Tradeshift is a cloud-based business network platform that automates purchase-to-pay workflows, e-invoicing, and supply chain financing across 70 countries. It uniquely empowers suppliers as active participants through a unified portal for invoice submission, payment tracking, and early payment financing, while managing compliance globally. The platform connects millions of suppliers to enterprise buyers, eliminating manual processes and enabling real-time visibility across buyer-supplier relationships.

Digital Asset builds Daml, a smart contract language and distributed ledger platform that enables developers to code multi-party agreements across blockchains, DLTs, and databases. Daml 2.0 includes Canton, a privacy-enabled distributed ledger supporting cross-blockchain atomic transactions. The platform serves financial services, healthcare, and insurance organizations—including 5 of the top 10 stock exchanges—to eliminate reconciliation delays, reduce settlement risk, and enable real-time capital markets infrastructure. The core differentiation is cross-blockchain interoperability: a single transaction can execute an asset transfer on Hyperledger Besu while a payment settles on Hyperledger Fabric.

Juniper Square is a cloud-based platform that centralizes private market investment data and operations for GPs and LPs. It combines software-as-a-service (investor portals, fund accounting, reporting, compliance) with embedded fund administration services where Juniper Square staff work directly within client instances. The platform manages over $1 trillion in LP capital across 40,000 funds, automating capital calls, distributions, and investor relations workflows.

Atom Bank is the UK's first fully digital, mobile-only bank that launched in 2016 without physical branches. It offers residential mortgages, savings accounts, and business loans entirely through its app, using face and voice recognition for authentication. Built on modern cloud infrastructure (Google Cloud, Thought Machine's Vault Core), Atom leverages automation and digital-first processes to deliver competitive rates and a 4.8/5 Trustpilot rating with a Net Promoter Score of 89.

JUMO is a Banking as a Service platform that uses AI to power financial services in emerging markets. The platform provides end-to-end banking infrastructure (Core) and an AI processor (Unify) that makes credit decisions using non-traditional data points like GSM records and mobile wallet transactions. JUMO enables credit access for entrepreneurs without prior financial history, partnering with mobile network operators and banks across Africa to disburse loans and reach underserved populations.

CloudPay is a global payroll SaaS platform that processes payroll, payments, and workforce management for multinational organizations across 140+ countries. It handles 3+ million payslips annually and over $24 billion in payment transactions, consolidating fragmented payroll processes across geographies, currencies, and regulatory environments. The platform automates calculations, ensures local compliance, and provides centralized visibility into payroll costs and performance. CloudPay serves enterprise customers including Visa, Wayfair, Wells Fargo, Expedia, and the London Stock Exchange.

Drip Capital is a digital trade finance platform providing collateral-free post-shipment financing to exporters and importers globally. Using automated risk assessment and minimal documentation, the company extends credit lines up to $3M to SMBs participating in international trade. The platform has facilitated over $9 billion in cross-border trade for 11,000+ businesses across 100+ countries, addressing the $1.7 trillion global trade finance gap that traditional banks leave underserved.

Aiwyn is an AI-driven practice automation platform that helps mid-to-large accounting firms modernize their entire revenue management lifecycle—from invoicing and collections to tax preparation and client collaboration. The platform automates manual accounts receivable workstreams, integrated time tracking, billing, project management, and tax workflows, enabling accounting firms to accelerate cash flow by 51% on average and reduce days to collection from 50+ to 30-40 days. Built for Top 500 CPA firms seeking a unified operating system rather than stitched-together point solutions, Aiwyn serves 800+ firms including roughly half of the IPA Top 500.

Prytek Holdings is a technology investment group that builds and operates financial services infrastructure through a dual-arm model: a corporate services division providing managed financial services, cybersecurity education, and recruiting solutions; and a venture capital division investing in fintech, regtech, cybersecurity, and data companies. The company operates a vertically integrated ecosystem of 25+ portfolio companies serving over 140 financial institutions and 1,000 corporate clients. Prytek differentiates through its integrated platform approach, combining multiple complementary technologies and services under one structure rather than competing as standalone products.

M2P Fintech is an API infrastructure platform that enables banks, fintechs, and digital platforms to embed financial products into their customer journeys. The company offers a 'bank-in-box' solution with core banking systems, loan management, payment processing, and compliance tools that connect to public infrastructure, incumbent banks, and NBFCs. Operating across 30+ markets in Asia Pacific, MENA, and Oceania, M2P powers 200+ banks, 300+ lenders, and 800+ fintech engagements serving 50+ million end users.

Stronghold creates virtual payment networks that instantly settle transactions and enable interoperability between legacy banking systems and blockchain-based payment rails. The platform offers card processing, ACH transfers, merchant financing, and checkout services, with the unique ability to bridge traditional and modern payment infrastructure. They specifically serve high-compliance industries like gambling and alcohol that struggle to access financial services, rewarding transaction volume with SHx tokens that offset fees.