New wave · Worldwide

New fintech startups, founded 2020 on

The new wave: 418 fintech startups founded in 2020 or later that have raised money in rounds we track, $19B between them, placed in 8 segments.

418startups on the map
8segments
$19Braised between them
Lending and creditmost funded segment

Payments

110

+86 more

Lending and credit

94

+70 more

Wealth and investing

70

+46 more

Insurance

40

+16 more

Business finance software

36

+12 more

Banking and accounts

35

+11 more

Crypto and digital assets

20

Compliance and fraud

13

Segment by segment

Payments

110 startups · $2.6B raised

  1. FlatpayFlatpay is a Danish fintech company founded in 2022, specializing in Point-of-Sale (POS) systems and payment processing solutions Denmark$336M
  2. UzumUzum is a digital ecosystem for online shopping, payments, and business services.Uzbekistan$197M
  3. RedotPayRedotPay is a Hong Kong-based fintech company founded in April 2023 by Michael Gao and Jonathan Chan.Hong Kong SAR China$194M
  4. CasheaCashea is a Venezuelan buy-now-pay-later platform that offers an interest-free installment plan for purchasing products.Venezuela$100M
  5. OpenFXOpenFX is a fintech startup based in New York, founded in January 2024 by Prabhakar Reddy, who previously co-founded FalconX.United States$94M
  6. FunFun is a financial infrastructure company focused on developing global, programmable, and always-on financial services.United States$82M
  7. CasapCasap is a San Francisco-based FinTech company founded in 2023, specializing in AI-powered dispute automation and fraud prevention.United States$81M
  8. CCloudPayCloudpay Ltd offers global payroll, salary payments, and pay-on-demand services through a unified, cloud-based system.United Kingdom$77M

Lending and credit

94 startups · $6.3B raised

  1. TTamaraTamara Restaurant in the 1st arrondissement of Paris, offerrs creative plates to share, inspired by the culinary tradition of RomaSaudi Arabia$2.4B
  2. Stream FinancialStream Financial collaborates with merchant partners to create financial solutions that promote energy-efficient home improvements.United States$400M
  3. ImprintImprint is a New York-based financial technology company founded in 2020.United States$335M
  4. Chongqing Ant Consumer FinanceChongqing Ant Consumer Finance operates as a consumer finance unit of ant group.China$279M
  5. Aequum CapitalAequum is a commercial business that integrates an Environmental, Social, and Governance investment ethos.United States$250M
  6. YendoYendo issues credit cards secured by customer vehicle equity for lending.United States$250M
  7. CredixCredix is a decentralized credit marketplace and B2B financial technology platform founded in 2021 and based in Antwerp, Belgium.Brazil$178M
  8. MorphoMorpho is an open-source DeFi lending protocol that connects lenders and borrowers globally.France$175M

Wealth and investing

70 startups · $1.7B raised

  1. CovenantCovenant is an innovative AI law firm focused on serving private market investors.United States$254M
  2. Savvy WealthSavvy Wealth is a technology-enabled wealth management firm.United States$188M
  3. Model MLModel ML is an artificial intelligence platform founded in 2023 by siblings Chaz and Arnie Englander.United States$150M
  4. VueloProfessional investment management services from Marbella, Spain.United Kingdom$142M
  5. NovigNovig is a U.S.-based sports prediction market and trading app that offers a commission-free, peer-to-peer betting experience on sUnited States$93M
  6. EDX MarketsEDX Markets is an institutional-only cryptocurrency exchange based in Hoboken, New Jersey, founded in 2022.United States$76M
  7. Wealth.comWealth.com is a technology-driven estate and tax planning platform designed for financial institutions, wealth management firms, aUnited States$65M
  8. DashDASH is a Sydney-based financial technology firm founded in 2022.Australia$55M

Insurance

40 startups · $1.5B raised

  1. LedgebrookLedgebrook is a technology-enabled Managing General Agent (MGA) based in Boston, Massachusetts, specializing in Excess and SurplusUnited States$265M
  2. CorgiCorgi is an AI-native, full-stack insurance carrier based in San Francisco, specializing in customized commercial insurance producUnited States$170M
  3. ReservReserv is a technology-enabled Third-Party Administrator (TPA) and insurtech firm that specializes in modernizing Property and CasUnited States$166M
  4. ThatchThatch is a health benefits platform that combines financial technology and insurance services.United States$151M
  5. Bolttechbolttech is an international insurtech company based in Singapore, founded in 2020.Singapore$147M
  6. FederatoFederato is an AI-native underwriting platform designed for the property and casualty (P&C) insurance industry.United States$140M
  7. Luzern RiskLuzern Risk is a New York-based captive insurance and risk management company.United States$57M
  8. AzosAzos is a Brazilian insurtech company focused on making life insurance accessible to families across Brazil.Brazil$56M

Business finance software

36 startups · $1.8B raised

  1. JuniJuni is a licensed fintech company based in Gothenburg, Sweden, founded in 2020.Sweden$312M
  2. NitraNitra is overhauling the healthcare industry with radically efficient and transparent solutions - starting with spend management.United States$302M
  3. PennylanePennylane is a fintech startup that develops a financial operating system designed for small and medium-sized businesses.France$286M
  4. RilletRillet is an AI-native accounting and ERP platform founded in 2021, designed to automate core finance workflows for SaaS, usage-baUnited States$195M
  5. TRIVERTriver is a London-based fintech company that specializes in cash flow financing for small and medium-sized enterprises (SMEs).United Kingdom$174M
  6. LimeTaxLimetax is a tax advisory and accounting group based in Berlin, Germany.Germany$77M
  7. Flow48Flow48 is a FinTech company founded in 2022 that specializes in revenue-based and invoice-based financing for small and medium-sizUnited Arab Emirates$69M
  8. CapitalOSCapitalOS is an embedded spend management infrastructure designed for B2B platforms.United States$52M

Banking and accounts

35 startups · $1.1B raised

  1. Banco PlataBanco Plata is a digital bank and financial institution based in Mexico, recognized as the largest private digital bank in Latin AMexico$300M
  2. Tyme GroupTyme is creating a multi-country digital bank focused on emerging markets.South Africa$250M
  3. PomeloPomelo develops a digital processing platform to provide personalized virtual accounts and cards through APIs and dashboards.Argentina$130M
  4. AgrolendAgrolend is a Brazilian financial technology company founded in December 2020 and based in São Paulo.Brazil$56M
  5. Pave BankThe world's first multi-asset and programmable bankGeorgia$44M
  6. NG.CASHNG.CASH is a digital bank built for GenZ teenagers to teach them in making financial decisions with their cash.Brazil$42M
  7. SyncteraSynctera is a Banking-as-a-Service (BaaS) and embedded finance platform founded in 2020, headquartered in Palo Alto, California, wUnited States$40M
  8. HighbeamHighbeam is a financial technology company based in New York, founded in 2021.United States$30M

Crypto and digital assets

20 startups · $4.2B raised

  1. PolymarketPolymarket is the largest prediction market platform globally, allowing users to trade shares on the outcomes of real-world events.United States$3.0B
  2. RRapydUnited Kingdom$660M
  3. LiquidoBITLiquidity is a cutting-edge Aggregator designed specifically for Bitcoin ecosystem, BRC20 tokens and Ordinals, utilising securiUnited States$189M
  4. MidasMidas is the first neobroker of Turkey, providing zero commission Turkish and American stocks.Türkiye$89M
  5. Architect Financial TechnologiesThe first U.S.United States$54M
  6. QuantbaseHigh risk index funds for stocks, crypto, NFTs, prediction markets, art, and more.United States$27M
  7. CrownCrown is a São Paulo-based infrastructure fintech founded in 2024, specializing in bridging Brazil’s traditional financial system Brazil$24M
  8. Ironlight Group, Inc.Ironlight Group, Inc.United States$21M

Compliance and fraud

13 startups · $169M raised

  1. AnrokAnrok is a San Francisco-based fintech company founded in 2020.United States$55M
  2. Spektrspektr is an AI-powered compliance infrastructure platform based in Copenhagen, Denmark, founded in 2023.Denmark$25M
  3. GreenboardGreenboard is an AI-native compliance and operations software company founded in 2023 by Dave Feldman and Ed Schembor.United States$25M
  4. fundcraftFundcraft is a financial firm that offers portfolio management, risk management, valuation, and deal compliance services.Luxembourg$14M
  5. KompliantKompliant delivers end-to-end lifecycle compliance through a platform developed in partnership with the world.United States$14M
  6. LoctaxCompliance, Risk, and Governance platform purpose-built for in-house tax teams to monitor, analyse, and action data.United Kingdom$12M
  7. SynthesysSynthesys is a financial technology company that focuses on tokenized capital markets.Singapore$11M
  8. GreenscopeGreenscope is a French greentech company founded in 2022, specializing in Environmental, Social, and Governance (ESG) monitoring aFrance$3.3M

How this map is made. Every startup here has raised money in rounds we track, and was founded in 2020 or later. It joins the map when its sectors, read from its rounds, or the opening of its own description say it works in fintech, and goes to the first segment whose words it carries. Each segment shows its best-funded first. Rebuilt nightly; updated 15 November 2026.

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