Thanks to advances in mobile technology, the fintech industry has exploded in the last couple of decades. As the tech savvy millennial generation aged, banking and financial options evolved, too, and once rare perks like mobile banking became standard.
But banks aren't the only financial institutions that have made tech-driven changes. Entire markets — from digital loans and mobile stock services to e-commerce payment platforms and digital currency exchanges — are rooted in digital financial access.
While many novel financial innovations have established themselves in the industry, others hit bumps along the way — like bitcoin attempts at being a real-world currency. Not all financial technologists get their products off the ground. Here are 101 of the worlds largest and most valuable Fintech companies...
The below data is drawn from Crunchbase.
Ripple provides one frictionless experience to send money globally using the power of blockchain. Based out of San Francisco, California, United States
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Robinhood is a financial technology company that offers commission-free investing. Based out of Menlo Park, California, United States
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Chime is a fintech company that helps its members avoid bank fees, save money automatically, and lead healthier financial lives. Based out of San Francisco, California, United States
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Cadre is an online marketplace that connects investors and operators of real estate. Based out of New York, New York, United States
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Hippo Insurance is an InsurTech company that uses technology to help homeowners maintain their properties. Based out of Palo Alto, California, United States
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Payoneer empowers global commerce by connecting businesses, professionals, countries and currencies with its cross-border payment platform. Based out of New York, New York, United States
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Brex is the financial OS for growing companies, with credit cards, cash management, and controls in a single account. Based out of San Francisco, California, United States
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Marqeta is a modern card issuing platform that provides infrastructure and tools to help companies build and manage payment programs. Based out of Oakland, California, United States
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Credit Karma is a personal finance company that's focused on helping everyone make financial progress. Based out of San Francisco, California, United States
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AvidXchange is a software company specializing in automating invoice and payment processes for mid-market businesses. Based out of Charlotte, North Carolina, United States
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Tradeshift is a cloud-based business network connecting buyers and suppliers. Based out of San Francisco, California, United States
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Kabbage is a fintech company that offers cash flow management solutions to small businesses. Based out of Atlanta, Georgia, United States
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Flywire develops a vertical payments platform designed to simplify the global payment and receivables process. Based out of Boston, Massachusetts, United States
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Coinbase is a digital currency wallet service that allows traders to buy and sell bitcoin. Based out of San Francisco, California, United States
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Varo is a digital bank that offers innovative, premium banking services wrapped in inclusive design. Based out of San Francisco, California, United States
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Upgrade is a neobank that offers affordable and responsible credit to mainstream consumers. Based out of San Francisco, California, United States
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Figure provides consumer financial solutions intended for home improvement, debt consolidation, and retirement planning. Based out of San Francisco, California, United States
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Avant is an online lending platform that offers alternatives to its clients with safe financial products. Based out of Chicago, Illinois, United States
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Metromile is a car insurance company using data science and machine learning to offer drivers new and fairer insurance.Based out of San Francisco, California, United States
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SoFi is a finance company that offers a range of lending and wealth management services. Based out of San Francisco, California, United States
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iCapital Network is an online platform that unlatches the world of private equity, enabling institutions and qualified investors. Based out of New York, New York, United States
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Affirm is a financial technology services company that offers installment loans to consumers at the point of sale. Based out of San Francisco, California, United States
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Tipalti is a global payables automation platform that provides a cloud solution to scale and automate global payables operations. Based out of San Mateo, California, United States
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Carta is building a global ownership management platform to help companies, investors, and employees manage their equity. Based out of San Francisco, California, United States
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Greenlight is a developer of a smart debit card used to help parents monitor their child's spending habits. Based out of Atlanta, Georgia, United States
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Marlette Funding is a financial tech company tasked to empower customers. Based out of Wilmington, Delaware, United States
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Gusto provides a cloud-based payroll, benefits, and human resource management solution for businesses. Based out of San Francisco, California, United States
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Blend is a SaaS platform for lenders to speed up and simplify applications for mortgages and consumer loans.Based out of San Francisco, California, United States
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Trumid is a financial technology company bringing efficiency to credit trading through data, technology, and innovative products.Based out of New York, New York, United States
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Better.com is a comprehensive homeownership journey platform that utilizes technology to change the way people buy and own a home.Based out of New York, New York, United States
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Bread partners with retailers to offer pay-over-time solutions that make financing easier and more transparent.Based out of New York, New York, United States
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Upstart leverages artificial intelligence and machine learning to price credit and automates the borrowing process.Based out of San Carlos, California, United States
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Betterment is a goal-based online investment company, delivering personalized financial advice paired with low fees and customer experience.Based out of New York, New York, United States
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Pindrop uses AI-based IVR Authentication and Anti-Fraud Solutions to increase efficiency in call centers and stop fraudulent transactions.Based out of Atlanta, Georgia, United States
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Circle is a global internet finance company, built on blockchain technology and powered by crypto assets.Based out of Boston, Massachusetts, United States
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Addepar is a wealth management platform that specializes in data aggregation, analytics, and portfolio reporting for investment advisors.Based out of Mountain View, California, United States
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BlueVine is an online platform that provides small to medium-sized businesses access to financial products.Based out of Redwood City, California, United States
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BlockFi is a secured non-bank lender that offers crypto-asset-backed USD loans to crypto-asset owners.Based out of Jersey City, New Jersey, United States
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Acorns is a finance company that allows individuals to round up purchases and automatically invest the change.Based out of Irvine, California, United States
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Ncino is a cloud-based bank operating solution for the financial services industry.Based out of Wilmington, North Carolina, United States
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HighRadius offers software as a service platform for companies that leverage artificial intelligence-based autonomous systems.Based out of Houston, Texas, United States
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Wealthfront is a next-gen banking service that helps in managing the money for both the short term and long term.Based out of Palo Alto, California, United States
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Fundbox is a B2B payment and credit network that transforms how funding flows.Based out of San Francisco, California, United States
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MoneyLion is a mobile banking platform for borrowing, saving, and investing.Based out of New York, New York, United States
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Prosper Marketplace is an online lending platform that connects people who want to borrow money with individuals and institutions.Based out of San Francisco, California, United States
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Earnin gives people access to their pay directly from their smartphones, whenever they need itBased out of Palo Alto, California, United States
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AppZen is an artificial intelligence platform for modern finance teams.Based out of San Jose, California, United States
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Plastiq offers a bill pay service for businesses to better manage their cash flow.Based out of San Francisco, California, United States
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YieldStreet is an investment platform that is changing how wealth is created by connecting investors to asset-based alternative investments.Based out of New York, New York, United States
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Taulia is a FinTech startup that provides working capital management and electronic invoicing services for supply chain companies.Based out of San Francisco, California, United States
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Alkami Technology provides cloud-based digital banking solutions for credit unions and banks.Based out of Plano, Texas, United States
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Aspiration a socially conscious fintech platform that offers a range of products oriented around conscious consumerism.Based out of Marina Del Rey, California, United States
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Dashlane is a mobile and desktop app that gives a shortcut for online tasks.Based out of New York, New York, United States
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Roofstock is an online marketplace for investing in leased single-family rental homes in a transparent and low-friction method.Based out of Oakland, California, United States
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Signifyd is a SaaS-based, enterprise-grade fraud technology solution for e-commerce stores.Based out of San Jose, California, United States
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Tala is a mobile technology and data science company that is oriented around financial services in emerging markets.Based out of Santa Monica, California, United States
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CampusLogic develops tools and resources used by college officials to help students manage scholarships, loans, and other supports.Based out of Chandler, Arizona, United States
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LendUp is a socially responsible lender for the 56% of Americans shut out of mainstream banking due to low credit or volatile income.Based out of San Francisco, California, United States
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Biz2Credit is a digital-first provider of small business funding and offers its Biz2X Platform to help financial institutions manage risk.Based out of New York, New York, United States
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Behalf's mission is to empower commerce for businesses large and small with well-priced, on demand payment tools.Based out of New York, New York, United States
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Bitfury is the leading full service bitcoin and blockchain technology company.Based out of Amsterdam, Noord-Holland, The Netherlands
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Freedom Financial Network provides financial solutions such as tools to find mortgage rates, ways to resolve debt problems and more.Based out of San Mateo, California, United States
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Fundation enables SMBs access to capital through our bank partners & our own balance sheet. We partner to offer embedded credit.Based out of Reston, Virginia, United States
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Branch offers mobile financial services across emerging markets to spur human potential.Based out of San Francisco, California, United States
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QuarterSpot is an online lending platform that offers small businesses working capital.Based out of New York, New York, United States
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Divvy helps businesses manage payments and subscriptions, build strategic budgets, and eliminate expense reports.Based out of Lehi, Utah, United States
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CommonBond is a financial technology company that is focused on higher education.Based out of New York, New York, United States
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Forter offers a fraud solution that helps retailers grow sales, lower costs, and improve customer experience via its Decision as Service.Based out of New York, New York, United States
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Flutterwave provides a payment service for global merchants and payment service providers.Based out of San Francisco, California, United States
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Indiegogo is a crowdfunding platform empowering people around the world to fund projects that matter to them.Based out of San Francisco, California, United States
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Aura is a financial service company that provides affordable, credit-building loans to working families.Based out of San Francisco, California, United States
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CircleUp is the investment platform providing capital and resources to innovative, early-stage consumer brands .Based out of San Francisco, California, United States
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YellowPepper provides mobile banking and payment solutions to financial institutions in the Latin American region.Based out of Miami, Florida, United States
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Zest AI is a financial service company that makes software for credit underwriting.Based out of Burbank, California, United States
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Fivestars helps businesses and communities thrive by turning every transaction into a relationship.Based out of San Francisco, California, United States
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The social network powering independent traders and investorsBased out of London, England, United Kingdom
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Ellevest provides an engaging investing experience to help women meet their financial goals in life.Based out of New York, New York, United States
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CoverHound is a technology company offering a platform for consumers to shop for car insurance.Based out of San Francisco, California, United States
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Paxos is a regulated financial institution building infrastructure to enable movement between physical and digital assets.Based out of New York, New York, United States
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Finicity provides open banking services, real-time financial data access and insights.Based out of Salt Lake City, Utah, United States
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Lend Street is a lending platform for debt restructuring and refinancing.Based out of Oakland, California, United States
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Petal is a new kind of credit card company that is built to help people financially succeed.Based out of New York, New York, United States
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Billtrust develops a payment cycle management platform designed to automate every step in the invoice-to-cash process.Based out of Lawrenceville, New Jersey, United States
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DriveWealth is a digital trading technology company that develops cloud-based, API-driven brokerage infrastructure.Based out of Chatham, New Jersey, United States
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BitGo is the leader in institutional digital asset financial services, providing clients with security, custody, and liquidity solutions.Based out of Palo Alto, California, United States
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BitPay provides enterprise-grade bitcoin payment solutions for businesses and organizations.Based out of Atlanta, Georgia, United States
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Veem is a payment service provider that helps simplify the way businesses send and receive funds.Based out of San Francisco, California, United States
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Dosh is a free cash back app that finds users money for shopping, dining out, and pumping gas at thousands of merchants & brands nationwide.Based out of Austin, Texas, United States
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Pie is transforming small business insurance—starting with workers’ compensation.Based out of Washington, District of Columbia, United States
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Forge (formerly Equidate) is a marketplace for private equity, giving private and institutional investors access to top pre-IPO companies.Based out of San Francisco, California, United States
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Bestow is an insurance technology company offering a platform to make life insurance more accessible to families.Based out of Dallas, Texas, United States
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SmartAsset is a financial technology company that empowers people with automated personalized financial advice.Based out of New York, New York, United States
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MineralTree provides mobile and online accounts payable automation software for finance professionals at growing organizations.Based out of Cambridge, Massachusetts, United States
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Cedar is a patient payment and engagement platform for hospitals, health systems, and medical groups that elevates the patient experience.Based out of New York, New York, United States
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Nav bridges the gap between SMB and financial institutions by bringing transparency, certainty, and efficiency to B2B credit and financing.Based out of Draper, Utah, United States
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Socure is a predictive analytics platform for digital identity verification of consumers.Based out of New York, New York, United States
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Ocrolus is a venture-backed FinTech company that uses Artificial Intelligence and crowdsourcing to automate financial review processes.Based out of New York, New York, United States
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Policygenius is an insurance tech-startup that specializes in providing financial protection.Based out of New York, New York, United States
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People Move. Credit History Doesn't. We're changing that.Based out of San Francisco, California, United States
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EasyKnock provides homeowners with money and time through their innovative sale-leaseback programs, Sell & Stay, and MoveAbility.Based out of New York, New York, United States
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Lendio is a platform that helps small business owners find lenders and secure loans.Based out of Lehi, Utah, United States
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