Finmo is a Singapore-based fintech building a Treasury Operating System (TOS) - a single, API-driven platform that unifies global payments, multi-currency accounts, cash visibility and forecasting, FX risk management, and working-capital optimisation for finance teams. Founded in 2021 and led by CEO David Hanna, the company holds payment licenses across multiple markets and raised an oversubscribed US$18.5 million Series A in February 2025, bringing total funding to roughly US$27 million.
FoodByUs is an Australian B2B food procurement platform that lets restaurants, cafes, pubs, caterers and aged-care venues order wholesale supplies, manage invoices, track prices and handle payments in one place. Founded in 2016 by the team behind Menulog, it connects thousands of hospitality venues with wholesale food and alcohol suppliers, layering software - digital ordering, an AI-powered Invoice Hub, menu costing and finance tools - over the traditionally phone-and-paper world of restaurant supply.
inyad is a Moroccan-founded fintech building mobile-first software for small and micro merchants across Africa and the Middle East. Its apps - the Konnash digital ledger and the Mahaal all-in-one point-of-sale, invoicing and payments platform - help corner shops, cafes, salons and independent traders move their bookkeeping, sales and payments off paper and onto a phone. Founded in 2018 by former McKinsey consultant Moncef Chlouchi, the company reports a user base in the millions across 10-plus countries and has raised roughly $14M from investors including Partech, Al Mada Ventures, CDG Invest and FJ Labs.
ipaymy is a Singapore-based fintech that lets businesses and individuals use their existing credit cards to pay expenses that normally do not accept cards - rent, salaries, supplier invoices and taxes. By routing these payments through its platform, ipaymy helps users free up working capital with up to 55 days of interest-free credit, earn card rewards on everyday expenses, and get paid faster through its Fetch invoicing tool. Licensed by the Monetary Authority of Singapore as a Major Payment Institution, it operates across Singapore, Malaysia, Hong Kong and Australia.
KAST is a stablecoin-powered global money app that lets people store, earn, send and spend digital dollars. Founded by former Circle executive Raagulan Pathy and ex-Quona Capital partner Daniel Bertoli, the company issues Visa cards that convert USDC, USDT and other stablecoins into local currency at more than 150 million merchants across 170+ countries. KAST layers yield-bearing vaults, instant transfers, cashback and SOL staking rewards on top of a neobank-style account, positioning itself as a financial platform for globally mobile users and, increasingly, businesses.
mx51 is a Sydney-based fintech that provides a bank-grade, cloud-native Payment-as-a-Service platform. Spun out of Assembly Payments in 2020, it gives banks, acquirers and payment providers white-label, multi-channel payment infrastructure - in-store terminal software, merchant and support dashboards, analytics and 150+ point-of-sale integrations - so they can serve merchants without building the technology themselves. Its customers include Commonwealth Bank and Westpac, and the platform has processed billions of dollars in transactions across the Asia-Pacific region.
Sophia Goldberg is the co-founder and CEO of Ansa, a San Francisco fintech that gives merchants white-labeled, stored-value digital wallets so brands can run their own closed-loop payments and cut card fees. A self-described payments nerd, she spent four and a half years at Adyen, wrote the best-selling reference book 'The Field Guide to Global Payments,' and has raised roughly $19.4 million for Ansa, including a $14 million Series A in 2024 that drew more than 95% of its capital from female investors.
NomuPay is a Dublin-headquartered payments company that gives enterprises a single API and unified platform to accept payments, disburse payouts and manage money across fragmented markets in Asia, Europe and the Middle East. Built partly from licences and assets of the collapsed German fintech Wirecard, its uP (Unified Payments) platform bundles local acquiring, more than 200 alternative payment methods and real-time payouts so global merchants can expand into hard-to-reach markets without wiring up a new integration for each country. It serves 2,000+ merchants and, after a June 2025 Series C from SoftBank's SB Payment Service, is valued at $290M.
Onlayer is an Ankara-founded regtech and merchant-management platform that unifies the entire merchant lifecycle - discovery, onboarding, and continuous monitoring - for acquiring banks, payment service providers, and fintechs. Its AI-driven system automates merchant onboarding, detects fraud and transaction laundering, and manages PCI-DSS, AML, BRAM, and VIRP compliance in one modular workflow, helping institutions detect risk earlier, act faster, and grow their merchant portfolios with confidence.
Pomelo (Pomelo Group) is a London- and Singapore-based payments technology company that provides a unified, API-based Payment Platform-as-a-Service. It gives financial institutions, fintechs and enterprises ready-to-use payment rails, merchant onboarding and management, transaction monitoring, and a range of acceptance methods - from QR codes and tap-to-pay to payment links and card issuing - under a single white-label platform. Founded in 2017 as Pomelo Pay, the company has grown into a regulated e-money issuer serving 2,000+ businesses across the UK and Southeast Asia.
TabSquare.AI is a Singapore-based restaurant technology company that builds an AI-powered digital ordering and customer engagement platform for the food and beverage industry. Its SmartTab tablet menus, self-service kiosks, QR-code web ordering and marketing tools use AI to deliver personalized menu recommendations, streamline ordering and payment, and lift restaurant revenue. Founded in 2012 by three INSEAD graduates, TabSquare serves thousands of outlets across Asia-Pacific, the Middle East and Europe, and has been a wholly owned subsidiary of global food-delivery group Delivery Hero since 2021.
utu is a Singapore-based travel-technology and fintech company that helps international shoppers get more from their VAT and GST refunds. Instead of accepting the standard cash refund (often only 55-60% of the tax paid), travelers use utu to upsize their refund - taking up to 40% more value in airline miles or hotel points, or converting refunds into retail vouchers worth more than the tax paid. Founded by tax-free-shopping veterans Asad and Ameer Jumabhoy, utu links travelers, retailers, duty-free operators, VAT refund companies, airlines and hotels into a single rewards ecosystem across markets including Italy, Switzerland and the UAE.
Ximena Aleman is the co-founder and Co-CEO of Prometeo, the largest open banking API platform in Latin America. A former journalist from Uruguay, she pivoted from covering entrepreneurs to becoming one, building infrastructure that connects over 1,200 financial institutions across 11 countries through a single API. Under her leadership Prometeo has won the trust of banks like JP Morgan, Santander, Citi and BBVA and raised backing from PayPal Ventures, Samsung Next and others. She is a vocal advocate for financial inclusion and for founders from overlooked corners of the region.
Daragh Murphy is the Irish-born co-founder and CEO of Imprint, a New York fintech that builds co-branded credit card and loyalty programs for consumer brands like Rakuten, Booking.com, Turkish Airlines and H-E-B. A former corporate lawyer and WeWork operator, he started Imprint in 2020 and grew it to unicorn status, reaching a $1.2 billion valuation in a $150 million Series D in December 2025.
Accrue is a New York fintech that powers modern customer loyalty at the payment layer. Its brandable, stored-value digital wallet lets merchants take control of their payments and refunds, reward repeat customers, and reduce reliance on traditional card networks. Founded in 2021 by Michael Hershfield as a 'save now, buy later' alternative to BNPL, the company has expanded into a full-stack wallet, reward engine, pay-by-bank payments and closed-loop refunds used to lift order value and shopper frequency.
Arketa is an AI-powered operating system for boutique fitness and wellness businesses. Founded in 2020 by Rachel Lea Fishman and Josh Archer, the New York-based platform lets yoga, pilates, gym and recovery studios manage class booking, payments, memberships, on-demand video, courses, branded apps and marketing from a single dashboard. Arketa has processed nearly $500 million in transactions and supports thousands of studios and instructors, and raised a $15M Series A led by Inspired Capital in 2025.
Blackbird Labs is a New York-based restaurant technology company that pairs a consumer dining app with a blockchain-based payments and loyalty network. Founded in 2022 by Resy and Eater co-founder Ben Leventhal, Blackbird lets diners check in at participating restaurants, earn a rewards currency called $FLY, and pay their bill through the app, while giving restaurants lower payment-processing fees and direct ownership of their guest data. The company runs its own layer-2 network, Flynet, and operates in New York, San Francisco, and Charleston with roughly 1,000 restaurants on the platform.
Clerq is a New York-based fintech building an account-to-account (A2A) bank payments platform for high-ticket transactions. It lets merchants - starting with automotive and powersports dealerships - accept low-cost, guaranteed payments pulled directly from a customer's bank account, with card-like ease and no chargeback, fraud, or funding risk. Founded in 2022 by former Citadel and JP Morgan investors Truett Dwyer and Ben Markowitz, Clerq raised a $12M Series A led by 645 Ventures in October 2025, bringing total funding to roughly $21M.
ConnexPay is a Plano, Texas payments-technology company that unifies the two traditionally separate halves of the payment process - accepting customer payments (PayIns) and issuing supplier payments via virtual cards (PayOuts) - into one platform, one contract and one reconciliation. Founded in 2017 by former U.S. Bank payments executive Bob Kaufman, it lets travel agencies, marketplaces, insurers and other 'high-risk' merchants use incoming card revenue to instantly fund outbound supplier payments, removing the need for pre-funded accounts and reducing risk while capturing card rebates.
Evervault is a developer-first encryption platform that lets companies collect, store, process and forward highly sensitive data - especially payment card data - without ever handling it in plaintext. Founded in 2019 by Irish entrepreneur Shane Curran, the New York and Dublin based company pairs a dual-custody encryption model with products for card payments, secure enclaves and network proxying. It processes over $5 billion in transaction volume and generates more than 100 million encrypted tokens per month for customers including Ramp, Rippling and CarTrawler.
Everyware is an Austin, Texas-based payments and customer-engagement company that lets businesses collect money and communicate with customers over text message. Founded in 2015 by Larry "Austin" Talley and Scott Orlinsky, its Pay By Text platform turns a mobile phone number into a payment method - customers receive an invoice by text or email and pay by replying, without downloading an app or logging in. Everyware combines two-way SMS messaging, online and in-person payments, recurring billing, and identity-verification tools for merchants in healthcare, travel, automotive, nonprofit, retail, and utilities.
Fin is a New York-based stablecoin payments company building a mobile app for high-value, global, and instant money movement. Founded by ex-Citadel engineers Ian Krotinsky and Aashiq Dheeraj - the team behind TipLink - Fin unifies balances into USDC and lets users and businesses send millions of dollars in near real time to other Fin users, bank accounts, or crypto wallets. In December 2025 it raised a $17M Series A led by Pantera Capital, with Sequoia and Samsung Next participating, to launch a product aimed at import/export businesses and high-value transfers that traditional banks handle slowly and expensively.
Formance is an open-source financial infrastructure company that gives developers a programmable core ledger and a connectivity layer for moving money across banks, payment processors, and wallets. Its stack - Ledger, Connectivity, Flows, and Reconciliation - lets fintechs and platforms track every asset movement with double-entry precision, orchestrate payments across providers, and automatically reconcile internal records against external statements. Founded in 2021 and backed by PayPal Ventures and Portage, Formance positions itself as building-block infrastructure for the 'financial internet' rather than a payment processor that touches customer funds.

Prajit Nanu is the co-founder and CEO of Nium, the Singapore-born fintech unicorn that has quietly become the plumbing behind global money movement for banks, airlines, and digital platforms. Starting with a frustrating attempt to wire INR 40,000 for a friend's bachelor party in Phuket, he built what is now a $1.4 billion payments infrastructure company processing over $8 billion annually across 190+ countries in 100 currencies. A commerce graduate from Mumbai with a sales background rather than a fintech pedigree, Nanu turned that outsider status into competitive advantage - building what incumbents told him was impossible.
Trustap is an Irish fintech that provides escrow-style, milestone-based payment infrastructure for online marketplaces, ecommerce platforms and individuals. Acting as the merchant of record, it holds a buyer's funds until goods or services are confirmed as delivered, then releases them to the seller - reducing fraud, chargebacks and disputes for high-value and peer-to-peer transactions. Founded in Cork in 2017 by Conor Lyden after he was scammed buying football tickets, the company now works with 250+ partners across roughly 27 countries and is building Trustap Index, a product that makes marketplace listings machine-readable and transactable by AI shopping agents.
Whop is a New York-based social commerce platform and marketplace where creators, influencers, and small businesses sell digital products, memberships, online courses, software, and access to private communities. Founded in 2021 by three friends who grew up building sneaker bots, Whop bundles storefront building, payments, community tools, and marketplace discovery into one no-code product. By early 2026 it had processed billions in cumulative sales, powered tens of thousands of sellers, and raised a $200M investment from Tether at a $1.6 billion valuation.
Ian Krotinsky is the co-founder and CEO of Fin, a New York based payments company that uses stablecoin infrastructure to move large sums of money instantly across borders. A former quantitative portfolio manager and trader at Citadel, he and co-founder Aashiq Dheeraj first built TipLink, a tool for sending crypto with a link, before rebranding around a broader ambition: to build the payments app of the future for high-value transfers. In December 2025 the company raised a $17 million Series A led by Pantera Capital, with Sequoia and Samsung Next participating.
Stripe is a financial infrastructure company that lets businesses accept payments and run their money operations through a set of developer-friendly APIs. Founded in 2010 by Irish brothers Patrick and John Collison, it powers everything from indie side projects to Fortune 500 checkouts, processing more than $1.9 trillion in payments in 2025. Beyond core card processing, Stripe offers billing, fraud protection, business incorporation, card issuing, tax automation, and banking-as-a-service, positioning itself as the economic layer of the internet.
Block, Inc. is a global financial technology company that builds tools for economic empowerment. Founded in 2009 as Square by Jack Dorsey and Jim McKelvey, it renamed itself Block in 2021 to reflect a broader mission spanning commerce, consumer finance and bitcoin. The company operates a portfolio of ecosystems - Square for sellers, Cash App for individuals, Afterpay for buy-now-pay-later, plus TIDAL, Bitkey and Proto - and trades on the NYSE under the ticker XYZ.
Fiserv is a Milwaukee-based financial technology company that provides payment processing, core banking software, and merchant services to banks, credit unions, businesses, and consumers around the world. Formed in 1984 and transformed by its 2019 acquisition of First Data, it runs the Clover point-of-sale platform, the Carat enterprise commerce operating system, and account-processing systems that power a large share of everyday transactions - from a corner cafe swiping a card to a regional bank settling deposits overnight.