Startups Directory

Ghost Financial is a fintech platform designed to serve ghost kitchens and restaurant operators with integrated financing, insurance, and payment solutions. The platform uses AI-powered underwriting and API integrations with POS systems (Toast) and delivery apps (DoorDash) to assess operational health and make fast lending decisions. It offers a 1% cash-back credit card for inventory purchases and expansion loans, with the ability to lift operator margins by up to 10%. However, the company appears to be inactive as of 2023-2024 based on multiple database sources.

AngelList Venture is a marketplace and back-office software platform that connects early-stage startups with angel investors, syndicates, and venture funds while providing compliance, legal, and fund management infrastructure. The platform serves fund managers, syndicates, and startups by removing operational friction from fundraising and fund administration. As of 2025, the platform supports $171 billion in assets under administration across 25,000+ active investment vehicles and has helped 108 unicorn companies secure early-stage capital.

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.

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.

Place is an end-to-end technology and business services platform that helps real estate agents run their entire business from a single platform. The platform combines powerful tools for lead generation, client management, marketing automation, and back-office operations (accounting, HR, legal, recruiting) with an AI assistant called Gabbi that automates data entry and lead qualification. Place partners with top-producing real estate teams across 100+ locations in the US and Canada, enabling agents to offload up to 75% of operational tasks so they can focus on client advisory. Unlike agent-replacement proptech, Place positions itself as agent-supportive, empowering professionals rather than disrupting them.

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.