retail-investors
(5)
FLOQ
FLOQ is an Indonesian crypto asset investment platform, licensed and supervised by the Financial Services Authority (OJK), that pairs cryptocurrency trading with financial education for retail investors. Rebranded in 2025 from PT Kripto Maksima Koin - a former GoTo (Gojek Tokopedia) subsidiary - and led by CEO Yudhono Rawis, the former Tokocrypto chief, FLOQ lets users start investing from as little as Rp1,000, backs it with ISO 27001-certified security, and layers on FLOQ Academy education. In mid-2026 it raised US$11.3 million in its first external funding round and reported more than 1.8 million registered users.
VentureCrowd
VentureCrowd is one of Australia's original equity crowdfunding platforms, launched in Sydney in 2013 out of alternative investment manager Artesian. It lets everyday and wholesale investors put money - from as little as A$250 - into early-stage startups, property developments and impact-focused ventures that were once the preserve of institutional venture capital. Led by co-founder and CEO Steve Maarbani, a former PwC partner and corporate lawyer, the platform has channelled over A$300 million into private companies, construction projects and sidecar funds, positioning itself as a bridge between the Australian 'crowd' and high-growth private markets.
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.
Fennel
Fennel is a New York-based mobile investing app that lets everyday retail investors trade commission-free stocks and ETFs while surfacing digestible ESG data and shareholder-voting information for the companies they own. Founded in 2022 by former physics PhD and dark-matter researcher Daniel Naim, Fennel positions itself as a B Corp-certified brokerage that refuses payment for order flow and does not lend out customer shares - so votes stay with the shares. For a $4.99 monthly subscription, users get 25+ financial metrics, 200+ ESG indicators, AI-powered news sentiment, and tools to follow past and upcoming shareholder ballots.
Daniel Naim
Daniel Naim is the founder and CEO of Fennel, a mobile investing app that hands everyday retail investors the ESG data and shareholder-voting power that big institutions usually keep to themselves. A former dark-matter physicist who grew up in Beirut and earned a physics PhD at UC Davis, Naim left the lab in 2020 - watching California burn and Engine No. 1 win an Exxon board fight - convinced that capital markets, not particle detectors, were the most pressing problem he could work on. Fennel refuses payment for order flow, won't lend out users' shares, became a certified B Corp, and was named one of Fast Company's most innovative companies in personal finance.