# Top 50 Fintech Startups Founded in 2023 by Funding (2026)

> The 50 best-funded fintech startups founded in 2023, ranked by total funding raised: $2.5B combined. With founding year, headquarters and each company's rounds.

Source: https://millionrounds.com/top-lists/fintech-startups-founded-2023 (Millionrounds; every figure on the page links to its filing or article)

- 1 [**Banco Plata** Banco Plata is a digital bank and financial institution based in Mexico, recognized as the largest private digital bank in Latin America by customer count.](https://millionrounds.com/company/banco-plata) Banco Plata is a digital bank and financial institution based in Mexico, recognized as the largest private digital bank in Latin America by customer count. *Founded* 2023 Mexico City, Mexico **$300M** last round Jun 2026
- 2 [**RedotPay** RedotPay is a Hong Kong-based fintech company founded in April 2023 by Michael Gao and Jonathan Chan.](https://millionrounds.com/company/redotpay) RedotPay is a Hong Kong-based fintech company founded in April 2023 by Michael Gao and Jonathan Chan. *Founded* 2023 Central, Hong Kong SAR China **$194M** last round Dec 2025
- 3 [**Liquido** BITLiquidity is a cutting-edge Aggregator designed specifically for Bitcoin ecosystem, BRC20 tokens and Ordinals, utilising security of the Bitcoin L1 blockchain.](https://millionrounds.com/company/liquido) BITLiquidity is a cutting-edge Aggregator designed specifically for Bitcoin ecosystem, BRC20 tokens and Ordinals, utilising security of the Bitcoin L1 blockchain. *Founded* 2023 United States **$189M** last round Sept 2021
- 4 [**TRIVER** Triver is a London-based fintech company that specializes in cash flow financing for small and medium-sized enterprises (SMEs).](https://millionrounds.com/company/triver) Triver is a London-based fintech company that specializes in cash flow financing for small and medium-sized enterprises (SMEs). *Founded* 2023 London, United Kingdom **$174M** last round Aug 2026
- 5 [**Model ML** Model ML is an artificial intelligence platform founded in 2023 by siblings Chaz and Arnie Englander.](https://millionrounds.com/company/model-ml) Model ML is an artificial intelligence platform founded in 2023 by siblings Chaz and Arnie Englander. *Founded* 2023 New York, United States **$150M** last round Aug 2026
- 6 [**Vuelo** Professional investment management services from Marbella, Spain.](https://millionrounds.com/company/vuelo) Professional investment management services from Marbella, Spain. *Founded* 2023 London, United Kingdom **$142M** last round Mar 2026
- 7 [**Rent2Cash** Rent2Cash is an Italian fintech and real estate technology company based in Rome, founded in 2023.](https://millionrounds.com/company/rent2cash) Rent2Cash is an Italian fintech and real estate technology company based in Rome, founded in 2023. *Founded* 2023 Rome, Italy **$116M** last round Mar 2026
- 8 [**A5X** A A5X nasce para revolucionar um setor fundamental da economia: o de bolsa.](https://millionrounds.com/company/a5x) A A5X nasce para revolucionar um setor fundamental da economia: o de bolsa. *Founded* 2023 São Paulo, Brazil **$108M** last round Sept 2026
- 9 [**Casap** Casap is a San Francisco-based FinTech company founded in 2023, specializing in AI-powered dispute automation and fraud prevention.](https://millionrounds.com/company/casap) Casap is a San Francisco-based FinTech company founded in 2023, specializing in AI-powered dispute automation and fraud prevention. *Founded* 2023 San Francisco, United States **$81M** last round Oct 2026
- 10 [**Bretton AI** Bretton AI is an enterprise software company based in San Francisco, California, specializing in an agentic AI platform designed for financial crime operations](https://millionrounds.com/company/bretton-ai) Bretton AI is an enterprise software company based in San Francisco, California, specializing in an agentic AI platform designed for financial crime operations *Founded* 2023 San Francisco, United States **$75M** last round Feb 2026
- 11 [**Luzern Risk** Luzern Risk is a New York-based captive insurance and risk management company.](https://millionrounds.com/company/luzern-risk) Luzern Risk is a New York-based captive insurance and risk management company. *Founded* 2023 New York, United States **$57M** last round Sept 2026
- 12 [**PointOne** Automated time tracking and billing for law firms.](https://millionrounds.com/company/pointone) Automated time tracking and billing for law firms. *Founded* 2023 United States **$56M** last round Mar 2026
- 13 [**CredibleX** Empowering SME Growth Through Embedded Financing and Business Solutions CredibleX is a UAE-based embedded finance lender enabling ecosystem partners to offer SM](https://millionrounds.com/company/crediblex) Empowering SME Growth Through Embedded Financing and Business Solutions CredibleX is a UAE-based embedded finance lender enabling ecosystem partners to offer SM *Founded* 2023 Abu Dhabi, United Arab Emirates **$55M** last round Dec 2024
- 14 [**Gaiia** gaiia is a Canadian technology company that develops an all-in-one operating system tailored for telecommunications companies and Internet Service Providers (ISPs).](https://millionrounds.com/company/gaiia) gaiia is a Canadian technology company that develops an all-in-one operating system tailored for telecommunications companies and Internet Service Providers (ISPs). *Founded* 2023 Montreal, Canada **$53M** last round May 2026
- 15 [**Hadrius** Hadrius is an AI-native compliance infrastructure designed for financial services firms, including Registered Investment Advisers (RIAs), broker-dealers, privat](https://millionrounds.com/company/hadrius) Hadrius is an AI-native compliance infrastructure designed for financial services firms, including Registered Investment Advisers (RIAs), broker-dealers, privat *Founded* 2023 New York, United States **$51M** last round Jul 2026
- 16 [**Pave Bank** The world's first multi-asset and programmable bank](https://millionrounds.com/company/pave-bank) The world's first multi-asset and programmable bank *Founded* 2023 Singapore, Georgia **$44M** last round Oct 2025
- 17 [**Hyperlayer** Hyperlayer is a programmable banking platform based in London, United Kingdom.](https://millionrounds.com/company/hyperlayer) Hyperlayer is a programmable banking platform based in London, United Kingdom. *Founded* 2023 London, United Kingdom **$40M** last round Oct 2025
- 18 [**Exponent** Exponent Financial is an AI-powered financial platform that specializes in spend management, financing, and bookkeeping solutions for franchises, independent re](https://millionrounds.com/company/exponent) Exponent Financial is an AI-powered financial platform that specializes in spend management, financing, and bookkeeping solutions for franchises, independent re *Founded* 2023 New York, United States **$40M** last round May 2026
- 19 [**Makasí** Makasí is a Brazilian fintech focused on construction financing, providing credit and financial solutions for residential building projects.](https://millionrounds.com/company/makasi) Makasí is a Brazilian fintech focused on construction financing, providing credit and financial solutions for residential building projects. *Founded* 2023 Curitiba, Brazil **$40M** last round May 2025
- 20 [**Taxwire** Taxwire is a New York-based company founded in 2023 that focuses on automating sales tax compliance for various sectors, including SaaS, tech-enabled companies,](https://millionrounds.com/company/taxwire) Taxwire is a New York-based company founded in 2023 that focuses on automating sales tax compliance for various sectors, including SaaS, tech-enabled companies, *Founded* 2023 New York, United States **$34M** last round Jun 2026
- 21 [**Lettuce Financial** Lettuce Financial is a San Francisco-based FinTech and SaaS company founded in 2023 by Ran Harpaz.](https://millionrounds.com/company/lettuce-financial) Lettuce Financial is a San Francisco-based FinTech and SaaS company founded in 2023 by Ran Harpaz. *Founded* 2023 San Francisco, United States **$28M** last round Nov 2025
- 22 [**Midstream Health** Midstream Health is a healthcare company.](https://millionrounds.com/company/midstream-health) Midstream Health is a healthcare company. *Founded* 2023 San Francisco, United States **$27M** last round Oct 2026
- 23 [**Bastion** Bastion is a US-regulated financial institution that specializes in providing a regulated wallet API for businesses to launch compliant crypto payments and trad](https://millionrounds.com/company/bastion) Bastion is a US-regulated financial institution that specializes in providing a regulated wallet API for businesses to launch compliant crypto payments and trad *Founded* 2023 Boissy-sous-Saint-Yon, United States **$26M** last round Sept 2025
- 24 [**Spektr** spektr is an AI-powered compliance infrastructure platform based in Copenhagen, Denmark, founded in 2023.](https://millionrounds.com/company/spektr) spektr is an AI-powered compliance infrastructure platform based in Copenhagen, Denmark, founded in 2023. *Founded* 2023 Copenhagen, Denmark **$25M** last round Apr 2026
- 25 [**Greenboard** Greenboard is an AI-native compliance and operations software company founded in 2023 by Dave Feldman and Ed Schembor.](https://millionrounds.com/company/greenboard) Greenboard is an AI-native compliance and operations software company founded in 2023 by Dave Feldman and Ed Schembor. *Founded* 2023 New York, United States **$25M** last round May 2026
- 26 [**Santé** Santé is a technology company based in New York that specializes in developing an AI-powered point-of-sale (POS) operating system tailored for liquor stores, sp](https://millionrounds.com/company/sante) Santé is a technology company based in New York that specializes in developing an AI-powered point-of-sale (POS) operating system tailored for liquor stores, sp *Founded* 2023 New York, United States **$23M** last round Oct 2026
- 27 [**Spiko** Spiko is a Paris-based fintech company founded in 2023.](https://millionrounds.com/company/spiko) Spiko is a Paris-based fintech company founded in 2023. *Founded* 2023 Paris, France **$22M** last round Jul 2025
- 28 [**Pier** Pier, also known as Pier Finance, is a financial technology company based in San Francisco, founded in 2023.](https://millionrounds.com/company/pier) Pier, also known as Pier Finance, is a financial technology company based in San Francisco, founded in 2023. *Founded* 2023 Boca Raton, Brazil **$21M** last round Jan 2024
- 29 [**RockFi** Nous construisons une nouvelle gestion privée.](https://millionrounds.com/company/rockfi) Nous construisons une nouvelle gestion privée. *Founded* 2023 Paris, France **$19M** last round Mar 2025
- 30 [**CandorIQ** CandorIQ is an AI-powered enterprise software company founded in 2023 and based in San Francisco, California.](https://millionrounds.com/company/candoriq) CandorIQ is an AI-powered enterprise software company founded in 2023 and based in San Francisco, California. *Founded* 2023 San Francisco, United States **$18M** last round Oct 2026
- 31 [**Penguin Securities** Penguin Securities is a regulated financial services provider based in Singapore, specializing in institutional-grade digital asset investment products.](https://millionrounds.com/company/penguin-securities) Penguin Securities is a regulated financial services provider based in Singapore, specializing in institutional-grade digital asset investment products. *Founded* 2023 Singapore, Singapore **$18M** last round Feb 2026
- 32 [**Aboon** We're not just another TPA.](https://millionrounds.com/company/aboon) We're not just another TPA. *Founded* 2023 New York, United States **$18M** last round Oct 2025
- 33 [**Avenia** Avenia is a financial technology company based in São Paulo, Brazil, specializing in borderless liquidity and cross-border payment infrastructure.](https://millionrounds.com/company/avenia) Avenia is a financial technology company based in São Paulo, Brazil, specializing in borderless liquidity and cross-border payment infrastructure. *Founded* 2023 Sao Paulo, Brazil **$17M** last round Feb 2026
- 34 [**Safqah Capital** Safqah Capital is a fintech and proptech company based in Riyadh, established in February 2023.](https://millionrounds.com/company/safqah-capital) Safqah Capital is a fintech and proptech company based in Riyadh, established in February 2023. *Founded* 2023 Riyadh, Saudi Arabia **$15M** last round Feb 2026
- 35 [**Finpilot** Finpilot uses artificial intelligence to explore publicly available corporate files and respond to research requests in natural language.](https://millionrounds.com/company/finpilot) Finpilot uses artificial intelligence to explore publicly available corporate files and respond to research requests in natural language. *Founded* 2023 Seattle, United States **$14M** last round Nov 2026
- 36 [**Qomodo** Qomodo is an Italian fintech company based in Milan, specializing in digital payment solutions.](https://millionrounds.com/company/qomodo) Qomodo is an Italian fintech company based in Milan, specializing in digital payment solutions. *Founded* 2023 Milan, Italy **$14M** last round Jan 2025
- 37 [**SyntheticFi** SyntheticFi LLC is a financial technology company based in San Francisco, specializing in low-cost, tax-efficient securities-backed lending solutions.](https://millionrounds.com/company/syntheticfi) SyntheticFi LLC is a financial technology company based in San Francisco, specializing in low-cost, tax-efficient securities-backed lending solutions. *Founded* 2023 Bonita Springs, United States **$14M** last round Jun 2026
- 38 [**Infinia** Infinia is a global money movement and account infrastructure company that offers a single API for collecting, converting, KYC, and making payments in local cur](https://millionrounds.com/company/infinia) Infinia is a global money movement and account infrastructure company that offers a single API for collecting, converting, KYC, and making payments in local cur *Founded* 2023 Montevideo, Uruguay **$14M** last round Jul 2026
- 39 [**Enza** Enza Group is a fintech company founded in 2023, based in New Cairo, Egypt, with regional offices in Abu Dhabi, Cape Town, and Nigeria.](https://millionrounds.com/company/enza) Enza Group is a fintech company founded in 2023, based in New Cairo, Egypt, with regional offices in Abu Dhabi, Cape Town, and Nigeria. *Founded* 2023 Cairo, Egypt **$13M** last round Nov 2026
- 40 [**Altis** Altis is a Brazilian company specializing in embedded credit infrastructure.](https://millionrounds.com/company/altis) Altis is a Brazilian company specializing in embedded credit infrastructure. *Founded* 2023 Sao Paulo, Brazil **$13M** last round Dec 2025
- 41 [**OffDeal** OffDeal is an AI-native investment bank founded in 2023, specializing in mergers and acquisitions (M&A) for small and mid-sized businesses.](https://millionrounds.com/company/offdeal) OffDeal is an AI-native investment bank founded in 2023, specializing in mergers and acquisitions (M&A) for small and mid-sized businesses. *Founded* 2023 New York, United States **$12M** last round Jul 2025
- 42 [**Axiology** Axiology is a capital markets infrastructure provider based in Vilnius, Lithuania.](https://millionrounds.com/company/axiology) Axiology is a capital markets infrastructure provider based in Vilnius, Lithuania. *Founded* 2023 Vilnius, Lithuania **$11M** last round Feb 2026
- 43 [**Synthesys** Synthesys is a financial technology company that focuses on tokenized capital markets.](https://millionrounds.com/company/synthesys) Synthesys is a financial technology company that focuses on tokenized capital markets. *Founded* 2023 Singapore, Singapore **$11M** last round Oct 2025
- 44 [**PineGap** PineGap is an AI-powered equity research platform for Wall Street.](https://millionrounds.com/company/pinegap) PineGap is an AI-powered equity research platform for Wall Street. *Founded* 2023 New York, United States **$11M** last round Aug 2026
- 45 [**Pontoro** Pontoro is a financial technology company located in Mountain View, California.](https://millionrounds.com/company/pontoro) Pontoro is a financial technology company located in Mountain View, California. *Founded* 2023 Mountain View, United States **$10M** last round Jan 2026
- 46 [**Kubera Health** Kubera Health is a healthcare software company based in New York.](https://millionrounds.com/company/kubera-health) Kubera Health is a healthcare software company based in New York. *Founded* 2023 New York, United States **$9.5M** last round Jun 2026
- 47 [**LittleFish** littlefish is a Johannesburg-based fintech and merchant-services platform founded in 2021.](https://millionrounds.com/company/littlefish) littlefish is a Johannesburg-based fintech and merchant-services platform founded in 2021. *Founded* 2023 Johannesburg, South Africa **$9.5M** last round Mar 2026
- 48 [**ROH** ROH, or Roh Platforms Inc., is a fintech and Vertical SaaS company based in New York, NY.](https://millionrounds.com/company/roh) ROH, or Roh Platforms Inc., is a fintech and Vertical SaaS company based in New York, NY. *Founded* 2023 New York, United States **$9.2M** last round Apr 2025
- 49 [**Pulpos** Pulpos (PulpOS) is a cloud-based operating system and AI-powered point-of-sale (POS) platform tailored for independent retailers and small-to-medium enterprises](https://millionrounds.com/company/pulpos) Pulpos (PulpOS) is a cloud-based operating system and AI-powered point-of-sale (POS) platform tailored for independent retailers and small-to-medium enterprises *Founded* 2023 Mexico City, Mexico **$9.0M** last round Apr 2026
- 50 [**Stay** Stay is a Brazilian fintech that specializes in corporate financial benefits.](https://millionrounds.com/company/stay) Stay is a Brazilian fintech that specializes in corporate financial benefits. *Founded* 2023 Sao Paulo, Brazil **$8.3M** last round Oct 2026

**Total funding** how the list is ranked

**15 November 2026** updated nightly

**Rounds we track** source: Millionrounds

Companies founded in 2023 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 2023 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)