new-york-fintech
(24)
Agora Financial Technologies
Agora Financial Technologies (formerly Agora Services) is a New York-based banking-as-a-service and embedded-fintech provider that lets community banks and credit unions launch modern digital banking products without ripping out their legacy core. Its core-agnostic, cloud-native platform ships white-label mobile apps, card programs, and API access for niche segments like teens, families, gig workers, SMBs, and seniors - typically in weeks rather than the multi-year timelines of traditional core replacements. Founded in 2018 by fintech veteran Arcady Lapiro, the company positions itself as a way for smaller financial institutions to compete with challenger banks on cost and speed.
Basic Capital
Basic Capital is a New York fintech building a modernized 401(k) and IRA platform that lets everyday workers finance their retirement investments rather than only contribute out of pocket. For every dollar a saver puts in, the company supplies supplemental capital - roughly four additional dollars - so contributions are deployed into diversified portfolios of ETFs, bonds, and access to alternatives like private credit. Founded by former Goldman Sachs banker Abdul Al-Asaad, it positions itself as the first platform to bring financing and alternative assets into tax-advantaged retirement accounts, and raised a $25M Series A in August 2025 led by Forerunner and Lux Capital.
Climb Credit
Climb Credit is a New York-based fintech lender that finances career-focused education such as coding bootcamps, trucking, healthcare, cosmetology and aviation programs. It partners with vocational schools to offer private loans and interest-free recurring payment plans, using an AI-driven credit model built on more than 150 data points so applicants with limited credit history can still qualify. Founded in 2014, Climb has funded tens of thousands of learners and vets partner schools to ensure programs actually improve graduates' earning potential.
Earned
Earned is a New York-based financial services firm built exclusively for doctors, dentists, and their practices. It combines wealth management, tax preparation and planning, accounting, retirement plans, insurance, and legal coordination into a single tax-smart platform, pairing an app and digital tools with fiduciary human advisors. Founded in 2021 and led by former Blucora and Charles Schwab executive John Clendening, Earned has grown through a mix of organic client growth and acquisitions of healthcare-focused financial firms, reaching roughly 20,000 clients and $3.9 billion in assets under management by mid-2026.
Exponent
Exponent is a New York-based fintech building a financial operating system for America's franchise operators. It combines expansion and acquisition lending, a franchise-focused corporate charge card, and an AI-powered accounting suite so multi-unit operators - the people running dozens of Burger Kings, Dunkins, or Wendy's - can get capital faster and see real-time financials without waiting for month-end reports. Founded in 2023 and led by former Visa and Stripe executive Sohel Roopani, Exponent serves 100+ operators representing over 10,000 locations and raised $40M in equity and credit in 2026.
Farther
Farther is a New York-based technology-driven wealth management firm that pairs human financial advisors with a proprietary 'Intelligent Wealth Platform.' Founded in 2019 by Taylor Matthews and Brad Genser, the company gives advisors an all-in-one digital ecosystem for financial planning, investing, tax optimization, and estate planning, while offering clients a family-office-style experience. After a $150 million Series D led by General Atlantic in 2026, Farther has grown to roughly $23 billion in recruited assets and ranks among the fastest-growing financial services firms in the United States.
Lili
Lili is a New York-based financial technology company that runs an all-in-one business banking platform for small businesses. It bundles a fee-free business checking account with built-in accounting, expense management, invoicing, automated tax savings and high-yield savings - collapsing tools that owners would otherwise stitch together. Founded in 2018 by Lilac Bar David and Liran Zelkha, Lili started serving freelancers and solopreneurs and has since repositioned toward growing, multi-employee small businesses. Banking services are provided through partner bank Sunrise Banks, N.A., Member FDIC.
Masterworks
Masterworks is a New York fintech that lets everyday investors buy fractional shares in multimillion-dollar blue-chip paintings by artists such as Basquiat, Picasso, Warhol and Banksy. Founded in 2017 by serial entrepreneur Scott Lynn, the company buys individual artworks, registers each as a public offering with the SEC, and sells shares for as little as $20, then holds the work for several years before selling it and distributing proceeds. It reached unicorn status in 2021 after a $110M Series A and has grown to more than one million members.
Percent
Percent is a New York-based fintech company building the technology infrastructure for the private credit market. Its platform digitizes the full lifecycle of private credit transactions - sourcing, structuring, syndication, surveillance and servicing - connecting corporate and asset-based borrowers, underwriters and accredited investors on a single, transparent marketplace. Founded in 2018 (originally as Cadence) by Nelson Chu, Percent has powered roughly $2 billion in transaction volume and offers short-duration, high-yield private credit deals with lower minimums than traditional channels.
Provable Markets
Provable Markets is a New York-based financial technology company modernizing the securities lending and securities finance markets. Through Aurora, its SEC-registered, vertically integrated Alternative Trading System, it combines encrypted real-time order matching, automated post-trade lifecycle management, and connectivity to central clearing (NSCC CCP) and settlement (DTC) infrastructure. Founded in 2020 by CEO Matthew Cohen and rooted in cryptographic research on secure multi-party computation, the company aims to replace the instant-message-and-spreadsheet workflows of a roughly trillion-dollar market with cloud-native, low-latency, transparent trading.
Transient.AI
Transient.AI is a New York-based fintech startup building what it calls a Trusted AI Operating System for capital markets - a compliant, explainable intelligence layer that unifies fragmented legacy systems for hedge funds, asset managers, RIAs, and sell-side trading desks. Founded by former traders and technologists from Goldman Sachs, Credit Suisse, UBS, and McKinsey, the company ships a suite of enterprise SaaS platforms (Caddie.AI, ClarityRIA, CapFlo.AI, Sales+) plus specialized AI agents for trade ideas, surveillance, AML, and term sheets. In May 2026 it raised its Series A led by NEXT Investors to scale deployment inside regulated financial institutions.
Vestwell
Vestwell is a New York-based fintech that operates as digital savings infrastructure for the American workplace. Founded in 2016 by Aaron Schumm, it provides an API-driven recordkeeping and administration platform that lets employers, financial advisors, payroll providers, and state governments offer 401(k), 403(b), IRA, 529 education, ABLE disability, and emergency savings accounts. By 2026 the company administered more than $50B in assets for over 2 million savers, powered the majority of state-facilitated retirement programs in the U.S., and raised a $385M Series E to expand the modern savings economy.
Zoe Financial
Zoe Financial is a New York-based wealthtech company that connects individuals and families with vetted, independent fiduciary financial advisors while giving those advisors an all-in-one platform to run their practices. Founded in 2018 by former J.P. Morgan executive Andres Garcia-Amaya, Zoe pairs a rigorous advisor-matching service - it screens out roughly 95% of applicant advisors - with wealth-management software that handles account opening, funding, automated rebalancing, tax-efficient investing, direct indexing, and commission-free fractional trading. The company raised a $29.6M Series B in 2025 led by Sageview Capital, bringing total funding to about $45M.
Checker
Checker is a New York-based financial infrastructure company that lets regulated banks, fintechs and payment providers plug into stablecoins, digital-asset liquidity, cross-border payments, treasury and credit through a single API. Founded in 2023, it stitches together 50+ liquidity and infrastructure providers across 75+ currencies, and processed roughly $3 billion in volume over its first year - about 1% of global B2B stablecoin payment flows. In May 2026 it raised $8 million from Galaxy Ventures, Al Mada Ventures and Framework Ventures to expand its network across Brazil, Kenya, Hong Kong and the United States.
Frich
Frich is a New York-based social finance app for Gen Z that turns money - historically the most awkward topic on earth - into a shared, anonymous conversation. Users answer a daily 'Question of the Day' and benchmark their spending, saving, debt, and parental support against real peers in similar cities and tax brackets. Founded in 2021 by former NYU Abu Dhabi classmates Katrin Kaurov and Aleksandra Medina, Frich has grown past one million users and monetizes through a B2B model, partnering with credit unions and regional banks that want to reach younger members.
Made Card
Made Card is a New York fintech building a credit card designed specifically for homeowners. Its Made Essential Visa Signature Preferred Card - issued by Lead Bank - rewards the ordinary spending of owning a home: mortgage payments, home improvement, maintenance, utilities, gas and groceries. Points can be cashed out the usual ways or redeemed for less usual ones, like buying down the card's own APR. Founded by Ashin Shah, Christophe Van and Alex Song, the company raised $8M+ in seed funding in November 2025 and launched a nationwide distribution partnership with Fairway Home Mortgage.
Pave Finance
Pave Finance is a New York-based fintech building an AI-powered, institutional-grade wealth management platform that lets financial advisors customize, personalize and automate portfolio construction for their clients. Combining an alpha-scoring algorithm, an optimization engine and an integrated trading platform across 10,000+ global securities, Pave brings tools once reserved for hedge funds and ultra-high-net-worth desks to everyday advisors - offering direct indexing, tax-loss harvesting, values-based screens and concentrated-position management. In September 2025 the company closed an oversubscribed $14M seed round.
Droit
Droit is a New York-based computational law and regulation technology firm founded in 2012 by Brock Arnason and Satya Pemmaraju. Its patented Adept platform translates dense regulatory text into precise, executable logic, embedding compliance directly into the trading workflow so banks can evaluate the permissibility of a transaction in real time - before and after the trade. Used by some of the world's largest financial institutions for pre-trade and post-trade decision-making, eligibility, reporting and auditability, Droit processes tens of millions of inquiries daily. In March 2026 it was acquired by FIS, folding computational compliance into the core of capital markets infrastructure.
Kafene
Kafene is a New York-based fintech that gives retailers a point-of-sale lease-to-own option for shoppers who get turned away by traditional credit. Using a machine-learning model that weighs more than 20,000 data points, Kafene approves customers in seconds for purchases up to about $5,000 - furniture, appliances, electronics, tires - then lets them lease the item and either pay it off to own it or return it without penalty. It positions itself as a transparent, debt-free alternative to buy-now-pay-later for the roughly 100 million Americans with limited or no prime credit.
Knot
Knot is a New York merchant connectivity platform that lets banks, fintechs, and card issuers move their customers' cards on file across hundreds of online merchants - automatically. Through APIs like CardSwitcher, TransactionLink, AccountUpdater, and SubscriptionManager, Knot helps issuers win the top-of-wallet spot, cut payment declines, and surface SKU-level spending data, all without users manually re-entering their card details at Netflix, Amazon, PayPal, and more.
Lithic
Lithic is a New York-based fintech that gives developers programmable card issuing and money-movement infrastructure. Born out of consumer brand Privacy.com, the company builds the API rails that let other companies create, manage and process virtual and physical payment cards with minimal code. Today it powers debit, credit and prepaid card programs for fintechs like Mercury and Coinstar, processing more than $1 billion in annual volume.
Moment
Moment is a New York fintech building the AI operating system for investment management. Founded in 2022 by former Citadel quants, it unifies trading, portfolio management, research, reporting, and compliance for fixed income and beyond into a single platform with an API layer. In roughly 18 months it grew from powering $300 billion to more than $10 trillion in client assets, working with firms like Edward Jones, LPL Financial, and Hightower Advisors. The company has raised $134 million across rounds led by Index Ventures, with backing from Andreessen Horowitz, Lightspeed, and others.
Rho
Rho is a New York-based financial technology company that bundles business banking, corporate cards, treasury, accounts payable automation, and expense management into a single fee-free platform. Built for startups, mid-market companies, and accounting firms, Rho positions itself as a 'financial operating system' that replaces the patchwork of legacy banks and disconnected finance tools that growing companies usually stitch together.
Unlimited
Unlimited is a New York fintech that uses proprietary machine-learning technology to replicate the returns of hedge fund strategies inside low-cost, liquid ETFs. Founded in 2022 by former Bridgewater executive Bob Elliott, it aims to give everyday investors access to 2-and-20 style alternative strategies without the 2-and-20 fees, lockups, or opacity.