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Top 100 FinTech Startups to Watch in 2026

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The financial technology industry is growing, with companies tackling challenges from payment processing to business banking. Giants like Stripe lead the way, having raised $9.4B to build its online commerce solutions.

The space is diverse, including crypto infrastructure from MoonPay and identity management from Alloy. Below are the 100 companies defining the current landscape of finance.

Below is our list of 100 FinTech startups worth keeping an eye on.

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Stripe builds a suite of APIs that enables businesses to accept and manage payments over the internet. Their software platform also supports companies with complex needs like subscription billing, marketplace payouts, and fraud prevention.

HeadquartersSan Francisco, California, United States
Year Founded2010
FoundersJohn Collison
Funding Amount$9.4B
Startup SizeEnterprise Organization (5,001+)
Last Funding StatusSecondary Market
Top InvestorsAndreessen Horowitz, General Catalyst, Temasek Holdings, Khosla Ventures, Sequoia Capital

Tide offers a business financial platform that combines banking, invoicing, and accounting tools for small and medium-sized enterprises. Their service helps business owners streamline administrative work and manage their finances from a single application.

HeadquartersLondon, England, United Kingdom
Year Founded2015
FoundersGeorge Bevis
Funding Amount$442.2M
Startup SizeMajor Organization (1,001-5,000)
Last Funding StatusPrivate Equity
Top InvestorsTPG, Speedinvest, LocalGlobe, Creandum, Goodwater Capital

MoonPay provides payment infrastructure for converting fiat currencies into cryptocurrencies and NFTs. Their suite of tools gives developers a straightforward way to embed crypto purchasing capabilities directly into their applications.

HeadquartersDover, Delaware, United States
Year Founded2019
FoundersIvan Soto-Wright, Victor Faramond
Funding Amount$1B
Startup SizeLarge Team (251-1,000)
Last Funding StatusDebt Financing
Top InvestorsTribe Capital, Paradigm, Ripple, New Enterprise Associates, Quiet Capital

FalconX built a digital asset prime brokerage to give institutional clients a single entry point into the crypto market. Their platform supports the entire investment lifecycle, providing services for trade execution, financing, and custody.

HeadquartersSan Mateo, California, United States
Year Founded2018
FoundersPrabhakar Reddy, Raghu Yarlagadda
Funding Amount$477M
Startup SizeMid-Size Team (51-250)
Last Funding StatusDebt Financing
Top InvestorsWellington Management, Accel, Lightspeed Venture Partners, Sapphire Ventures, B Capital

Alloy develops an identity verification platform for banks and fintechs to detect fraud and simplify identity management. Their automated system helps financial institutions make smarter risk decisions and securely onboard new customers.

HeadquartersNew York, New York, United States
Year Founded2015
FoundersCharles Hearn, Laura Spiekerman, Tommy Nicholas
Funding Amount$216.7M
Startup SizeLarge Team (251-1,000)
Last Funding StatusSeries C
Top InvestorsBessemer Venture Partners, Lightspeed Venture Partners, Techstars, Primary Venture Partners, Canapi Ventures

BitGo builds the secure infrastructure needed for the digital asset economy, offering custody and financial services to investors. Their platform gives clients the tools to safely hold, trade, and manage their cryptocurrency portfolios.

HeadquartersPalo Alto, California, United States
Year Founded2013
FoundersBen Davenport, Mike Belshe, Will O'Brien
Funding Amount$171.5M
Startup SizeLarge Team (251-1,000)
Last Funding StatusCorporate Round
Top InvestorsValor Equity Partners, Pantera Capital, Craft Ventures, Founders Fund, Goldman Sachs

zerohash builds a crypto-as-a-service platform that lets any business integrate digital assets into its customer experience. The company's infrastructure powers a full suite of products, including trading, custody, and staking services.

HeadquartersChicago, Illinois, United States
Year Founded2015
FoundersBrian Liston, Edward Woodford
Funding Amount$282.1M
Startup SizeMid-Size Team (51-250)
Last Funding StatusSeries D
Top Investors500 Global, Bain Capital, Apollo, Morgan Stanley, Bain Capital Ventures

Lendistry operates as a fintech lender that connects small businesses with loans and grant opportunities. Their platform simplifies the application process for various funding options available to entrepreneurs.

HeadquartersBrea, California, United States
Year Founded2015
FoundersEverett Sands
Funding Amount$204.8M
Startup SizeLarge Team (251-1,000)
Last Funding StatusDebt Financing
Top InvestorsTD Bank, Exelon, Texas Capital Bank, East West Bank, City National Bank

AppZen builds an AI-powered platform designed to help finance teams automate their operations. Their software uses artificial intelligence to audit expenses and invoices, helping companies reduce spending and stay compliant.

HeadquartersSan Jose, California, United States
Year Founded2012
FoundersAnant Kale, Kunal Verma
Funding Amount$280.6M
Startup SizeLarge Team (251-1,000)
Last Funding StatusSeries D
Top Investors500 Global, Lightspeed Venture Partners, Redpoint, Coatue, Riverwood Capital

Rain offers a financial wellness benefit that gives employees on-demand access to their earned wages. They partner with mid-market to enterprise employers, providing a tool designed to reduce financial stress and improve employee retention.

HeadquartersNashville, Tennessee, United States
Year Founded2019
FoundersAlex Bradford, Jennifer Terrell
Funding Amount$557.6M
Startup SizeMid-Size Team (51-250)
Last Funding StatusSeries B
Top InvestorsTribe Capital, QED Investors, Sound Point Capital Management, WndrCo, VentureSouq

90 Additional FinTech Startups Worth Following

Our top picks offer a glimpse into a much bigger picture. With tens of billions in combined funding, companies are building new tools for everything from AI-powered analytics to crypto payments.

Some are newcomers, while others are already established players. Here are the other 90 companies that are making their mark on the financial landscape.

StartupMain IndustryYear FoundedAmount RaisedLast Funding Round
Kredete logo KredeteFintech2022$24.8MSeries A
Juniper Square logo Juniper SquareFintech2014$371MVenture Round
Thunes logo ThunesFintech2016$352MSeries D
Octane logo OctaneFintech2014$3.6BUndisclosed
Checkout.com logo Checkout.comFintech2012$1.8BSeries D
Monzo logo MonzoFintech2015$1.8BSecondary Market
Sumsub logo SumsubAI2015$37.5MSeries B
Feedzai logo FeedzaiAnalytics2009$352.5MSeries E
World logo WorldCrypto2019$379MUndisclosed
Rain logo RainCrypto2021$82.5MSeries B
Cowbell logo CowbellAI2019$208.3MSeries C
Kalshi logo KalshiFintech2018$265.2MSeries C
Moniepoint logo MoniepointFintech2015$233.1MCorporate Round
Aiwyn logo AiwynFintech2020$127MVenture Round
EarnIn logo EarnInEnterprise2013$415.1MDebt Financing
Jupiter logo JupiterFintech2019$169.5MVenture Round
Branch logo BranchFintech2015$638.1MVenture Round
Slope logo SlopeRetail2021$252.1MDebt Financing
Lead logo LeadFintech1928$170MSeries B
Tabs logo TabsFintech2023$92MSeries B
TRIVER logo TRIVEREnterprise2022$120.8MDebt Financing
Weaver Services logo Weaver ServicesFintech2024$170MVenture Round
Ondo Finance logo Ondo FinanceCrypto2021$34MInitial Coin Offering
Ember logo EmberFintech2019£10.9MSeed
Flex logo FlexFintech2022$348MDebt Financing
Rogo logo RogoAnalytics2022$79MSeries B
bolttech logo bolttechFintech2020$690.2MSeries C
Tala logo TalaFintech2011$522MDebt Financing
Pleo logo PleoFintech2015$470.9MDebt Financing
Rillet logo RilletFintech2021$108.5MSeries B
Midas logo MidasMedia2020$137MSeries B
Mesh logo MeshCrypto2020$124.5MVenture Round
PayNearMe logo PayNearMeFintech2009$168.2MSeries E
Crossmint logo CrossmintCrypto2022$23.6MVenture Round
Clear Street logo Clear StreetCloud2018$605MSeries B
Wahed logo WahedFintech2015$93.5MUndisclosed
Honest logo HonestMedia2019$199.2MVenture Round
FinQuery logo FinQueryFintech2011$65MPrivate Equity
Extend logo ExtendFintech2017$74MVenture Round
Yellow Card logo Yellow CardCrypto2016$89.5MSeries C
Rainforest logo RainforestFintech2022$57.5MSeries B
Aleph logo AlephAI2020$46.1MSeries B
Mambu logo MambuFintech2011€387MSeries E
Numeral logo NumeralEnterprise2022$57.5MSeries B
Nova Credit logo Nova CreditFintech2016$124.4MSeries C
Betterment logo BettermentFintech2008$435MDebt Financing
Pump.fun logo Pump.funCrypto2024$600MInitial Coin Offering
Airwallex logo AirwallexFintech2015$1.2BSecondary Market
Grasshopper Bank logo Grasshopper BankFintech2016$218.8MPrivate Equity
MagicDoor logo MagicDoorAI2023$6.5MSeed
Phantom logo PhantomCrypto2021$268MSeries C
Fieldguide logo FieldguideFintech2020$50MSeries B
PredictAP logo PredictAPAI2020$13MVenture Round
GoCardless logo GoCardlessFintech2011$529.3MVenture Round
Nium logo NiumFintech2014$338MSeries E
Splash Financial logo Splash FinancialAI2013$130.9MSeries C
Clutch logo ClutchFintech2020$106MSeries B
Gate logo GateCrypto2013$74MSeries A
FNZ logo FNZFintech2004$5.8BCorporate Round
Atomic logo AtomicRetail2020$55.1MVenture Round
Aspire logo AspireFintech2018$299.5MSeries C
Moment logo MomentAnalytics2022$56MSeries B
Kapital logo KapitalFintech2020$471.1MSeries C
Lithic logo LithicRetail2014$115.4MSeries C
Backbase logo BackbaseFintech2003€120MDebt Financing
Gusto logo GustoFintech2011$746.1MVenture Round
Public logo PublicCrypto2019$443.5MSeries D
Auditoria.AI logo Auditoria.AIAI2019$59.5MSeries B
Teylor logo TeylorFintech2018$488.7MDebt Financing
Flutterwave logo FlutterwaveFintech2016$474.5MSecondary Market
Ava Labs logo Ava LabsCrypto2018$290MInitial Coin Offering
Incode Technologies logo Incode TechnologiesSecurity2015$257.1MSeries B
Spreedly logo SpreedlyRetail2007$81.1MPrivate Equity
Varo Bank logo Varo BankMedia2015$1.1BSeries G
Deribit logo DeribitCrypto2015$140MVenture Round
Casca logo CascaAI2023$32.9MSeries A
InCred logo InCredFintech2016$428.3MDebt Financing
Optimism logo OptimismCrypto2019$178.5MUndisclosed
BillingPlatform logo BillingPlatformFintech2012$104MPrivate Equity
Upvest logo UpvestFintech2017$199.2MSeries C
TerraPay logo TerraPayFintech2014$259.1MDebt Financing
FinBox logo FinBoxAI2015$55MSeries B
Amount logo AmountFintech2019$313MVenture Round
Nomad logo NomadFintech2019R$590MSeries B
Benepass logo BenepassEnterprise2019$34.7MSeries B
Wrapbook logo WrapbookFintech2018$150.6MVenture Round
Zoe Financial logo Zoe FinancialFintech2018$45.9MSeries B
Brex logo BrexFintech2017$1.5BVenture Round
Ethena logo EthenaCrypto2023$176.8MInitial Coin Offering
BioCatch logo BioCatchAnalytics2011$323.7MSecondary Market

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