Startups Directory

PalmPay is a digital banking platform built for Africa's informal economy, serving 40 million users across Nigeria, Kenya, and Tanzania. It offers instant onboarding, zero-fee transfers, savings (up to 22% APR), credit products, and business tools for merchants and mobile money agents. The company processes 15 million transactions daily and has built a network of 1 million agent merchants, positioning itself as the largest transaction processor in Nigeria by volume.

FundGuard is a cloud-native, AI-powered investment accounting platform that serves as a core system of record for asset managers and fund administrators. It automates complex multi-asset accounting workflows, real-time NAV monitoring, and exception management across multiple books of record (IBOR, ABOR, X-BOR). The platform uses machine learning to automatically map financial data from any format (CSV, Excel, XML, screenshots) and transform accounting from reactive to proactive, reducing operational risk and manual effort.

Fundbox is an embedded capital platform that uses machine learning to provide working capital solutions to small businesses. The platform offers credit lines and term loans to SMBs based on revenue analysis and credit assessments, with transparent pricing and fast automated approval decisions. Fundbox solves the problem of capital tied up in unpaid invoices—over $1 trillion in the U.S. alone—by connecting businesses with credit when they need it. The company positions itself as a pioneer in embedded working capital, integrating directly into business software platforms like QuickBooks and FreshBooks.

Global Processing Services provides GPS Apex, a multi-award-winning issuer processing platform that enables fintechs, digital banks, and embedded finance providers to process and manage credit, debit, and prepaid card transactions globally. Built by payment experts, the platform integrates seamlessly with issuers, program managers, card manufacturers, and service providers, powering next-generation payment segments including BNPL, expense management, B2B payments, crypto, and open banking. As of January 2022, GPS services operate in 48 countries, have processed 1.3+ billion transactions, and support 190 million issued cards across 180+ clients using 150+ currencies.

SumUp provides mobile payment infrastructure that enables small and medium-sized businesses to accept card payments via wireless card readers connected to smartphones or tablets. The company processes transactions within 1-2 business days and transfers funds directly to merchant bank accounts. SumUp operates in 36 markets across Europe, the US, Latin America, and Australia, serving over 4 million merchants from single-person operators to major event spaces. The platform differentiates through simplicity, accessibility for non-technical users, and the lowest transaction fees in its category.

⚠️ 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.

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.

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.

Codat is a universal API platform that enables software providers and financial institutions to access, synchronize, and interpret small business financial data in real-time. It connects to 35+ accounting, banking, and commerce platforms through a single standardized API, making integrations 6x faster than building in-house. The platform serves over 300 global clients including major banks and fintechs like Brex, Jeeves, and PayPal Zettle, with 150,000+ small businesses connected.

Clip is Mexico's leading mobile point-of-sale and digital payment platform that enables small businesses and independent merchants to accept card payments via smartphones and tablets. The platform eliminates traditional barriers to payment acceptance—monthly fees, minimum transaction requirements, and excessive paperwork—while addressing Mexico's cash-heavy economy where 80% of personal consumption expenditure occurs offline. Beyond card readers, Clip offers inventory management, online commerce solutions, payment links, and business financing services, serving over 1 million merchants.

Fazz is a B2B neobank and payment infrastructure platform serving businesses across Southeast Asia, from warungs to Fortune 500 companies. The platform enables businesses to accept payments (e-wallet, bank transfer, credit card), maintain business cash accounts with 4% interest, access corporate cards, and utilize lending products like invoice financing. Fazz addresses the $300 billion funding gap for MSMEs by providing enterprise-grade financial tools at accessible price points, processing over $6 billion in annualized GTV.

BitGo is the largest independent digital asset custodian, securing approximately 20% of all on-chain Bitcoin transactions and holding over $100 billion in digital assets. The company provides a full-stack platform combining multisignature wallet technology, regulated custody, and prime brokerage services for institutions including banks, fintechs, hedge funds, and asset managers. BitGo pioneered multi-sig architecture that eliminates single points of failure, differentiating it from competitors by providing insurance-grade security with clear legal title to custodied assets.

Unit is a banking-as-a-service (BaaS) platform that enables companies to embed financial features—checking accounts, cards, payments, and lending—directly into their products via APIs, SDKs, and white-labeled UIs. The platform reduces what typically takes 18 months of bank negotiations and compliance work into a 5-week deployment. Unit differentiates by owning its own ledger, the most critical and sensitive part of the ecosystem, delivering superior technical control and user experience compared to competitors.

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.

Pine Labs is a merchant commerce platform that powers offline and online retail transactions through cloud-based POS terminals and payment processing solutions. The company operates 350,000+ terminals across 3,700+ cities in India and Malaysia, serving 100,000+ merchants with integrated financing, analytics, and loyalty tools. Pine Labs differentiates through multi-bank integrations on a single terminal—unlike competitors who require separate hardware for each bank partnership—and proprietary EMI conversion powered by bank cardholder analytics. The platform went public in November 2025 after raising $954M across 12 funding rounds.

Tranch was an invoice-to-payment platform that enabled enterprises to optimize cash flow by offering flexible payment options to their clients. The platform provided three payment methods: Pay Now (instant bank transfers via FedNow), Pay by Card (virtual terminals for billing teams), and Pay Later (invoices spread over 2-12 months). Tranch served law firms, SaaS companies, consulting firms, and agencies, allowing suppliers to get paid upfront while customers settled invoices worth up to $500,000 on flexible terms. **IMPORTANT: Tranch was acquired by Elite on January 3, 2025, and is no longer independently operating.**

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.

MFS Africa is Africa's largest mobile money interoperability hub, connecting over 400 million mobile wallets and millions of bank accounts across 40+ countries through a single API. The platform enables enterprises—from fintech companies to NGOs—to scale digital payment strategies by providing seamless cross-border transfers, merchant payments, bulk payouts, and bank-to-wallet services. With partnerships spanning 180+ mobile money operators and global remittance providers like Western Union and MoneyGram, MFS Africa has become the infrastructure backbone for digital payments across the continent.

Sure is an API-driven infrastructure platform that enables businesses to embed insurance products directly into their customer experiences in milliseconds. The company provides policy management, claims settlement, and quoting infrastructure that allows brands and carriers to launch digital insurance programs without building from scratch. Sure serves enterprises like Tesla, MasterCard, Intuit, and Carvana, differentiating through fully embedded end-to-end experiences built from the ground up rather than rebranded legacy solutions.

Miami International Holdings operates a suite of technology-driven exchanges for options, equities, and futures trading across multiple platforms (MIAX Options, MIAX Pearl Equities, MIAX Futures). The company serves institutional trading firms, market makers, and clearing members with a focus on competitive pricing and advanced matching engine technology. MIAX went public in August 2025 and operates approximately 80% of U.S. options market volume through its exchange group, positioning itself as a lower-cost alternative to legacy exchanges like NYSE and Nasdaq.

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.

OnPay is a cloud-based payroll and HR platform that helps small to mid-sized businesses run unlimited payroll runs for a flat monthly fee of $49 plus $6 per employee. Unlike competitors with tiered pricing and add-on features, OnPay bundles all payroll capabilities—tax filings, multi-state support, off-cycle runs, and HR functions—into a single transparent plan. The company serves over 25,000 businesses nationwide and is backed by $128M in funding, positioning itself as the simplest, most affordable payroll solution for cost-conscious businesses.