# Top 50 Fintech Startups Founded in 2022 by Funding (2026)

> The 50 best-funded fintech startups founded in 2022, ranked by total funding raised: $4.5B combined. With founding year, headquarters and each company's rounds.

Source: https://millionrounds.com/top-lists/fintech-startups-founded-2022 (Millionrounds; every figure on the page links to its filing or article)

- 1 [**Rapyd**](https://millionrounds.com/company/rapyd) *Founded* 2022 United Kingdom **$660M** last round Oct 2025
- 2 [**Duetti** Duetti is a music-financial technology platform founded in 2022 and based in New York, with additional offices in Los Angeles, Miami, and London.](https://millionrounds.com/company/duetti) Duetti is a music-financial technology platform founded in 2022 and based in New York, with additional offices in Los Angeles, Miami, and London. *Founded* 2022 New York, United States **$384M** last round Feb 2026
- 3 [**Flatpay** Flatpay is a Danish fintech company founded in 2022, specializing in Point-of-Sale (POS) systems and payment processing solutions for small and medium-sized bus](https://millionrounds.com/company/flatpay) Flatpay is a Danish fintech company founded in 2022, specializing in Point-of-Sale (POS) systems and payment processing solutions for small and medium-sized bus *Founded* 2022 Herlev, Denmark **$336M** last round Sept 2026
- 4 [**Uzum** Uzum is a digital ecosystem for online shopping, payments, and business services.](https://millionrounds.com/company/uzum) Uzum is a digital ecosystem for online shopping, payments, and business services. *Founded* 2022 Tashkent, Uzbekistan **$197M** last round Mar 2026
- 5 [**Dojo**](https://millionrounds.com/company/dojo) *Founded* 2022 United States **$192M** last round May 2025
- 6 [**Reserv** Reserv is a technology-enabled Third-Party Administrator (TPA) and insurtech firm that specializes in modernizing Property and Casualty (P&C) insurance claims processing.](https://millionrounds.com/company/reserv) Reserv is a technology-enabled Third-Party Administrator (TPA) and insurtech firm that specializes in modernizing Property and Casualty (P&C) insurance claims processing. *Founded* 2022 New York, United States **$166M** last round May 2026
- 7 [**Salmon** Salmon is a consumer credit-led fintech accelerating financial inclusion in Southeast Asia with digital finance](https://millionrounds.com/company/salmon) Salmon is a consumer credit-led fintech accelerating financial inclusion in Southeast Asia with digital finance *Founded* 2022 Taguig, Philippines **$150M** last round Apr 2026
- 8 [**Tangelo** Tangelo is a Latin American financial technology company specializing in alternative credit.](https://millionrounds.com/company/tangelo) Tangelo is a Latin American financial technology company specializing in alternative credit. *Founded* 2022 Mexico City, Mexico **$150M** last round Apr 2022
- 9 [**Erad** Erad is a financial technology company based in Riyadh, founded in 2022.](https://millionrounds.com/company/erad) Erad is a financial technology company based in Riyadh, founded in 2022. *Founded* 2022 Riyadh, Saudi Arabia **$147M** last round Sept 2026
- 10 [**JustFund** JustFund is a finance firm that connects clients and lawyers in family law matters and offers flexible ways to manage legal fees.](https://millionrounds.com/company/justfund) JustFund is a finance firm that connects clients and lawyers in family law matters and offers flexible ways to manage legal fees. *Founded* 2022 Sydney, Australia **$139M** last round Jul 2025
- 11 [**Scapia** Scapia is a Bengaluru-based travel-fintech company founded in January 2022 by Anil Goteti, a former executive at Flipkart.](https://millionrounds.com/company/scapia) Scapia is a Bengaluru-based travel-fintech company founded in January 2022 by Anil Goteti, a former executive at Flipkart. *Founded* 2022 Bengaluru, India **$126M** last round Oct 2026
- 12 [**Aspora** Aspora is a cross-border finance and remittance company that helps non-resident Indians (NRIs) and global Indians manage their money internationally.](https://millionrounds.com/company/aspora) Aspora is a cross-border finance and remittance company that helps non-resident Indians (NRIs) and global Indians manage their money internationally. *Founded* 2022 London, United Kingdom **$103M** last round Jun 2025
- 13 [**Cashea** Cashea is a Venezuelan buy-now-pay-later platform that offers an interest-free installment plan for purchasing products.](https://millionrounds.com/company/cashea) Cashea is a Venezuelan buy-now-pay-later platform that offers an interest-free installment plan for purchasing products. *Founded* 2022 Caracas, Venezuela **$100M** last round Jul 2026
- 14 [**Welli** Welli Colombia S.A.S.](https://millionrounds.com/company/welli) Welli Colombia S.A.S. *Founded* 2022 Bogota, Colombia **$100M** last round Oct 2025
- 15 [**Fun** Fun is a financial infrastructure company focused on developing global, programmable, and always-on financial services.](https://millionrounds.com/company/fun) Fun is a financial infrastructure company focused on developing global, programmable, and always-on financial services. *Founded* 2022 New York, United States **$82M** last round May 2026
- 16 [**CloudPay** Cloudpay Ltd offers global payroll, salary payments, and pay-on-demand services through a unified, cloud-based system.](https://millionrounds.com/company/cloudpay) Cloudpay Ltd offers global payroll, salary payments, and pay-on-demand services through a unified, cloud-based system. *Founded* 2022 United Kingdom **$77M** last round May 2018
- 17 [**EDX Markets** EDX Markets is an institutional-only cryptocurrency exchange based in Hoboken, New Jersey, founded in 2022.](https://millionrounds.com/company/edx-markets) EDX Markets is an institutional-only cryptocurrency exchange based in Hoboken, New Jersey, founded in 2022. *Founded* 2022 Hoboken, United States **$76M** last round Jul 2026
- 18 [**Adonis** Adonis Technology, Inc.](https://millionrounds.com/company/adonis) Adonis Technology, Inc. *Founded* 2022 White Plains, United States **$72M** last round Mar 2026
- 19 [**Flow48** Flow48 is a FinTech company founded in 2022 that specializes in revenue-based and invoice-based financing for small and medium-sized enterprises (SMEs) in emerg](https://millionrounds.com/company/flow48) Flow48 is a FinTech company founded in 2022 that specializes in revenue-based and invoice-based financing for small and medium-sized enterprises (SMEs) in emerg *Founded* 2022 Dubai, United Arab Emirates **$69M** last round Feb 2025
- 20 [**Aviva** Aviva, operating as Aviva Crédito, is a Mexican financial services company that specializes in providing accessible and rapid personal loans.](https://millionrounds.com/company/aviva) Aviva, operating as Aviva Crédito, is a Mexican financial services company that specializes in providing accessible and rapid personal loans. *Founded* 2022 Mexico City, Mexico **$68M** last round Jul 2026
- 21 [**Croissant** Croissant provides Guaranteed Buybacks at Point of Sale and beyond, enabling retailers and consumers to benefit from the resale ecosystem.](https://millionrounds.com/company/croissant) Croissant provides Guaranteed Buybacks at Point of Sale and beyond, enabling retailers and consumers to benefit from the resale ecosystem. *Founded* 2022 Nashville, United States **$66M** last round Feb 2026
- 22 [**Duppla** Duppla is a Colombian real estate company based in Bogotá that offers a unique "buy while you rent" model.](https://millionrounds.com/company/duppla) Duppla is a Colombian real estate company based in Bogotá that offers a unique "buy while you rent" model. *Founded* 2022 Bogota, Colombia **$60M** last round Jul 2026
- 23 [**Kala** Kala is a fintech company based in Colombia, founded in 2022.](https://millionrounds.com/company/kala) Kala is a fintech company based in Colombia, founded in 2022. *Founded* 2022 Colombia **$55M** last round Dec 2025
- 24 [**Plata Card** Plata Card is a financial app for credit card.](https://millionrounds.com/company/plata-card) Plata Card is a financial app for credit card. *Founded* 2022 Mexico City, Mexico **$55M** last round Nov 2024
- 25 [**Dash** DASH is a Sydney-based financial technology firm founded in 2022.](https://millionrounds.com/company/dash) DASH is a Sydney-based financial technology firm founded in 2022. *Founded* 2022 Sydney, Australia **$55M** last round Jun 2025
- 26 [**Architect Financial Technologies**](https://millionrounds.com/company/architect-financial-technologies) *Founded* 2022 United States **$54M** last round Jun 2026
- 27 [**CapitalOS** CapitalOS is an embedded spend management infrastructure designed for B2B platforms.](https://millionrounds.com/company/capitalos) CapitalOS is an embedded spend management infrastructure designed for B2B platforms. *Founded* 2022 Daly City, United States **$52M** last round Oct 2026
- 28 [**Mattilda** Mattilda helps schools manage and automate payments.](https://millionrounds.com/company/mattilda) Mattilda helps schools manage and automate payments. *Founded* 2022 Mexico City, Mexico **$50M** last round Sept 2025
- 29 [**Octaura** Octaura is a financial software company based in New York, founded in 2022.](https://millionrounds.com/company/octaura) Octaura is a financial software company based in New York, founded in 2022. *Founded* 2022 New York, United States **$47M** last round Jun 2025
- 30 [**Rundoo** Rundoo is an AI-first business management platform founded in 2021, based in Redwood City, California.](https://millionrounds.com/company/rundoo) Rundoo is an AI-first business management platform founded in 2021, based in Redwood City, California. *Founded* 2022 Redwood City, United States **$41M** last round Aug 2026
- 31 [**Cybera** CYBERA is an AI-powered scam prevention and response company founded in 2020 and based in New York, NY.](https://millionrounds.com/company/cybera) CYBERA is an AI-powered scam prevention and response company founded in 2020 and based in New York, NY. *Founded* 2022 New York, United States **$39M** last round Aug 2026
- 32 [**Right Choice** Purpose-oriented career matchmaking](https://millionrounds.com/company/right-choice) Purpose-oriented career matchmaking *Founded* 2022 United Kingdom **$37M** last round Jun 2018
- 33 [**Yuzu Health** Yuzu Health is a third-party administrator providing claims processing, billing, and plan management for employer-sponsored insurance plans.](https://millionrounds.com/company/yuzu-health) Yuzu Health is a third-party administrator providing claims processing, billing, and plan management for employer-sponsored insurance plans. *Founded* 2022 New York, United States **$35M** last round Apr 2026
- 34 [**Vinyl Equity** Vinyl Equity is a SEC-registered transfer agent founded in 2022, headquartered in Chicago, Illinois, with an office in Mangaluru, India.](https://millionrounds.com/company/vinyl-equity) Vinyl Equity is a SEC-registered transfer agent founded in 2022, headquartered in Chicago, Illinois, with an office in Mangaluru, India. *Founded* 2022 Chicago, United States **$32M** last round Jun 2026
- 35 [**Crossover Markets** Crossover Markets is an institutional digital asset trading technology firm based in Wilmington, Delaware.](https://millionrounds.com/company/crossover-markets) Crossover Markets is an institutional digital asset trading technology firm based in Wilmington, Delaware. *Founded* 2022 New York, United Kingdom **$31M** last round Mar 2026
- 36 [**Pintarnya** Pintarnya is an mobile application to unlock employment and financial opportunities for millions of blue-collar workers in Indonesia.](https://millionrounds.com/company/pintarnya) Pintarnya is an mobile application to unlock employment and financial opportunities for millions of blue-collar workers in Indonesia. *Founded* 2022 Jakarta, Indonesia **$31M** last round Jan 2026
- 37 [**Kanastra** Tech-driven backoffice for alternative investments](https://millionrounds.com/company/kanastra) Tech-driven backoffice for alternative investments *Founded* 2022 Uberlandia, Brazil **$30M** last round Oct 2025
- 38 [**Bowtie** Secure edge enterprise network product](https://millionrounds.com/company/bowtie) Secure edge enterprise network product *Founded* 2022 Hong Kong SAR China **$30M** last round Dec 2018
- 39 [**ModernFi** ModernFi is a financial technology company founded in 2022 by Adam DeVita and Paolo Bertolotti, serving as co-CEOs.](https://millionrounds.com/company/modernfi) ModernFi is a financial technology company founded in 2022 by Adam DeVita and Paolo Bertolotti, serving as co-CEOs. *Founded* 2022 New York, United States **$30M** last round Sept 2025
- 40 [**LinqAlpha** LinqAlpha is an AI-native company based in Boston, Massachusetts, specializing in automated financial research for global public markets.](https://millionrounds.com/company/linqalpha) LinqAlpha is an AI-native company based in Boston, Massachusetts, specializing in automated financial research for global public markets. *Founded* 2022 New York, United States **$29M** last round Jul 2026
- 41 [**tapi** Somos una paytech latinoamericana fundada en 2022 por emprendedores argentinos que opera actualmente en Argentina, México, Chile, Colombia y Perú.](https://millionrounds.com/company/tapi) Somos una paytech latinoamericana fundada en 2022 por emprendedores argentinos que opera actualmente en Argentina, México, Chile, Colombia y Perú. *Founded* 2022 Mexico City, Mexico **$27M** last round Feb 2026
- 42 [**Eventual** Eventual is a data platform that helps data scientists and engineers build data applications across ETL, analytics and ML/AI.](https://millionrounds.com/company/eventual) Eventual is a data platform that helps data scientists and engineers build data applications across ETL, analytics and ML/AI. *Founded* 2022 United States **$25M** last round Jul 2025
- 43 [**Coinflow** Coinflow, based in Chicago, Illinois, is a payment service provider that enhances global financial infrastructure.](https://millionrounds.com/company/coinflow) Coinflow, based in Chicago, Illinois, is a payment service provider that enhances global financial infrastructure. *Founded* 2022 Chicago, United States **$25M** last round Oct 2025
- 44 [**TransBnk** TransBnk is a Transaction Banking Platform.](https://millionrounds.com/company/transbnk) TransBnk is a Transaction Banking Platform. *Founded* 2022 Mumbai, India **$25M** last round Aug 2025
- 45 [**Wealthcome** Wealthcome is a French wealthtech and fintech company founded in 2022 by Cyprien Delmeule.](https://millionrounds.com/company/wealthcome) Wealthcome is a French wealthtech and fintech company founded in 2022 by Cyprien Delmeule. *Founded* 2022 Bordeaux, France **$25M** last round Sept 2026
- 46 [**Flooss** Mobile app, Payment solutions, Fintech, Digital financing](https://millionrounds.com/company/flooss) Mobile app, Payment solutions, Fintech, Digital financing *Founded* 2022 Jid Hafs **$22M** last round Jan 2026
- 47 [**Kredete** Kredete is a platform for African immigrants in North America to send money home to 20+ countries instantly at low fees and build credit.](https://millionrounds.com/company/kredete) Kredete is a platform for African immigrants in North America to send money home to 20+ countries instantly at low fees and build credit. *Founded* 2022 New York, Nigeria **$22M** last round Sept 2025
- 48 [**Zenskar** Zenskar is an AI-native order-to-cash platform founded in 2022, designed to automate billing, revenue recognition, collections, and SaaS metrics for high-growth](https://millionrounds.com/company/zenskar) Zenskar is an AI-native order-to-cash platform founded in 2022, designed to automate billing, revenue recognition, collections, and SaaS metrics for high-growth *Founded* 2022 New York, United States **$22M** last round Apr 2026
- 49 [**Ironlight Group, Inc.** Ironlight Group, Inc.](https://millionrounds.com/company/ironlight-group-inc) Ironlight Group, Inc. *Founded* 2022 Austin, United States **$21M** last round Mar 2026
- 50 [**Mogul** Mogul, also known as Mogul Club, is a technology-driven real estate investment platform based in Washington, D.C.](https://millionrounds.com/company/mogul) Mogul, also known as Mogul Club, is a technology-driven real estate investment platform based in Washington, D.C. *Founded* 2022 Washington, United States **$21M** last round Oct 2026

**Total funding** how the list is ranked

**15 November 2026** updated nightly

**Rounds we track** source: Millionrounds

Companies founded in 2022 whose funding rounds we classed in this sector, ranked by the total they have raised in rounds we hold. Nobody pays to be on a list.

## Who backed them?

Open any company for its rounds and investors, or search the investors who back fintech startups founded in 2022 in the app, with filters, lists and exports.

[Find their investors](https://millionrounds.com/login?join=1&next=/app/investors)[All top lists](https://millionrounds.com/top-lists)

## More fintech lists

[See all](https://millionrounds.com/top-lists?t=Fintech)

[*AF* *R* *S* **Fintech startups worldwide** 3,200 companies · $94B](https://millionrounds.com/top-lists/fintech-startups)[*R* *S* *K* **Fintech startups in the United States** 1,301 companies · $55B](https://millionrounds.com/top-lists/fintech-startups-united-states)[*S* *K* *FC* **Fintech startups in Europe** 749 companies · $30B](https://millionrounds.com/top-lists/fintech-startups-europe)[*R* *K* *R* **Fintech startups that raised in 2026** 665 companies · $30B in 2026](https://millionrounds.com/top-lists/fintech-startups-raised-2026)[*FC* *R* *C* **Fintech startups in the United Kingdom** 342 companies · $23B](https://millionrounds.com/top-lists/fintech-startups-united-kingdom)[*R* *K* *R* **Fintech startups in the United States that raised in 2026** 257 companies · $22B in 2026](https://millionrounds.com/top-lists/fintech-startups-united-states-raised-2026)[*K* *P* *I* **Fintech startups in New York** 217 companies · $21B](https://millionrounds.com/top-lists/fintech-startups-new-york)[*S* *R* *A* **Fintech startups in Bay Area** 212 companies · $22B](https://millionrounds.com/top-lists/fintech-startups-bay-area)

## More lists worldwide

[See all](https://millionrounds.com/top-lists?r=Global)

[*GV* *V* *RP* **Health startups worldwide** 12,811 companies · $81B](https://millionrounds.com/top-lists/health-startups)[*O* *A* *X* **AI startups worldwide** 10,238 companies · $830B](https://millionrounds.com/top-lists/ai-startups)[*GV* *V* *RP* **Biotech startups worldwide** 7,127 companies · $70B](https://millionrounds.com/top-lists/biotech-startups)[*D* *B* *FT* **Big data startups worldwide** 3,812 companies · $220B](https://millionrounds.com/top-lists/big-data-startups)[*O* *A* *B* **AI startups that raised in 2026** 2,922 companies · $540B in 2026](https://millionrounds.com/top-lists/ai-startups-raised-2026)[*FT* *CE* *P* **Energy providers startups worldwide** 2,808 companies · $152B](https://millionrounds.com/top-lists/energy-providers-startups)[*A* *P* *O* **Marketing tech startups worldwide** 2,728 companies · $28B](https://millionrounds.com/top-lists/marketing-tech-startups)[*SA* *C* *D* **Customer service startups worldwide** 2,637 companies · $64B](https://millionrounds.com/top-lists/customer-service-startups)