bill-payments
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ACI Worldwide has no time to lose
The company that grew up inside ATM networks now wants banks to put their payment systems in one place. The hard part is making speed safe.
KUBRA makes the waiting easier
A bill. A blackout. A question nobody wants to ask twice. KUBRA builds the systems that help utilities answer before the phone rings.
Miden
Miden is a Nigerian fintech building payments infrastructure for businesses across Sub-Saharan Africa. Through a single API, companies can issue virtual and physical cards in USD, NGN and multi-currency formats, run banking-as-a-service programs, open business accounts, and handle bill payments - the plumbing that lets other companies launch financial products without building banking rails from scratch. Founded in 2022 and part of Y Combinator's Winter 2024 batch, Miden has issued over a million cards and processes billions in transaction volume.
YAP
YAP is a Dubai-based digital banking platform that lets people open an account, get an instant IBAN and Mastercard, send and receive money, pay bills and track spending entirely from a mobile app. Launched in March 2021 as the UAE's first independent digital banking platform, YAP does not hold its own banking licence in the UAE; instead it partners with licensed banks (originally RAKBANK) to provide the underlying accounts while YAP builds the customer-facing experience, analytics and card controls. The company has raised roughly $41 million and is expanding across the Middle East, Africa and South Asia, targeting Saudi Arabia, Egypt, Pakistan and Ghana.
MovoCash, Inc.
MovoCash, Inc. (MOVO) is a Palo Alto-based financial technology company founded in 2014 by veteran financial-industry entrepreneur Eric Solis. MOVO offers an on-demand mobile banking app that lets people instantly create FDIC-insured accounts and disposable virtual debit cards, send peer-to-peer payments, pay bills, and make contactless purchases from their phone - even without a traditional bank account. Built on its patented HyperBIN digital-token technology and delivered with Mastercard and Coastal Community Bank, MOVO positions itself as a 'digital cash' network that blends payment cards, bank accounts, and mobile money movement.