PT Pendanaan Teknologi Nusa is an Indonesian financial-technology company that runs pendanaan.com and its flagship KTA Kilat mobile app, a peer-to-peer and digital-credit platform that delivers small, collateral-free cash loans to consumers who are typically underserved by traditional banks. Backed by parent company Hadoop Fintech (Hong Kong) Limited and Chinese venture firm Legend Capital, the company uses big-data credit scoring to assess and disburse loans quickly through mobile devices. Registered with Indonesia's Financial Services Authority (OJK), Pendanaan has served hundreds of thousands of borrowers and positions itself as a bridge between individual borrowing needs and lenders across Indonesia.
Trusting Social is an AI fintech company that builds credit scores and identity products for the roughly one billion people across Asia who fall outside traditional credit bureaus. Founded in 2013 and headquartered in Singapore, it combines big-data and machine-learning models with alternative data - telco, web, and mobile signals - so banks and lenders can underwrite, verify, and acquire customers who were previously invisible to the financial system. In recent years the company has extended into generative AI, launching Agent Foundry, a platform of autonomous banking agents, on Microsoft Azure.
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.
Pesto is a San Francisco fintech building an affordable alternative to pawn and payday loans. Its flagship product, the Pesto Mastercard, lets people pledge valuables - gold, jewelry, watches and other assets - as collateral to receive a secured credit card, regardless of credit score. Cardholders unlock liquidity and build credit history without selling what they own, at interest rates the company says are a fraction of equivalent pawn loans.
Eric Solis is the founder and CEO of MovoCash, Inc., a fintech company building on-demand mobile banking for the underbanked. A self-described full-stack entrepreneur with more than 25 years in finance, he was a senior investments executive at Merrill Lynch and Prudential Securities before launching SaveDaily and SAVE252. At MovoCash he developed MOVO, a patented platform that blends on-demand banking, distributed-ledger technology and AI to issue Real Time Payment Cards and move digital cash peer-to-peer. The company raised roughly $9 million across a 2016 seed and a 2018 Series A, partnered with Mastercard and FDIC-insured banks, and grew past 250,000 users.
James Savoldelli is the founder and CEO of Pesto, a San Francisco fintech building an asset-backed secured credit card that lets people borrow against valuables like gold and watches without selling them or needing a credit score. A Stanford Human Biology grad and NYC native, he worked inside Los Angeles's largest pawnshop during the pandemic, watched customers cycle through loans that never built credit, and turned that observation into a Mastercard issued by Continental Bank. Pesto went through Y Combinator (W21) and raised $11M in Series A funding in 2023 from investors including Activant Capital and Plural.

Jordan Birnholtz is a serial founder turned intellectual-property litigator who keeps building at the seam between law, finance, and technology. He co-founded PawnGuru, a marketplace that brought 1.5M+ underbanked Americans online to pawn shops; helped progressives organize through The Tuesday Company's Team app; and as co-founder and CMO of Neon put the world's first NFT vending machine on a New York sidewalk. After earning his J.D. cum laude from Northwestern, he now practices IP litigation at Kirkland & Ellis while co-founding Trarian, a venture underwriting patent-invalidity risk across what he calls the trillion-dollar patent asset class.