Fintech Unicorns of the 21st-Century

At FintechLabs we track the value of global fintech unicorns born since 1999. As of 12 May (2024), there are 363 valued at US$1 billion or more. That’s up 13 this year, up 34 since the end of 2022, and up 85 from YE 2021. The total includes 28 billion-plus exits as well as 41 public companies trading above $1B in market value. The remaining 294 private companies are listed according to their most recent valuations as reported by various media outlets. Given the private-market valuation dip in the past year, there are likely a number of over-valued companies listed.

The total value is $1.6 trillion up about $100 million so far this year.

Note: Private company valuations are as of the latest reported round and public company market caps as of date show below.

Unicorn Challenger of the Month*

Melio is a modern payment solution tailor-made for small businesses.

Rank	Company	Value Date	Founded	Country	Category	Sub-Category	Status
1	Shopify	30 Oct '24	2004	Canada	Ecommerce	Payments	Public
2	Stripe	July '24 secondary	2010	USA	Fintech	Payments	Private
3	PayPal	30 Oct '24	1999	USA	Fintech	Payments	Public
4	Ant Technology	July '23 buyback	2014	China	Fintech	Payments	Private
5	Nubank	30 Oct '24	2013	Brazil	Banking	Retail	Public
6	Coinbase	30 Oct '24	2012	USA	Crypto	Exchange	Public
7	Adyen	30 Oct '24	2006	Netherlands	Fintech	Payments	Public
8	Block (Square)	30 Oct '24	2009	USA	Fintech	Payments	Public
9	Revolut	July '24 secondary	2015	UK	Fintech	Payments	Private
10	Afterpay	Aug 2021 exit (Block)	2014	Australia	Fintech	Lending	Exit
11	Robinhood	30 Oct '24	2013	USA	Fintech	Investing	Public
12	Binance	Bloomberg June 2022	2017	Malta	Crypto	Exchange	Private
13	Acrisure	May 2022 round	2005	USA	Insurtech		Private
14	Xero	30 Oct '24	2006	New Zealand	Fintech	Accounting	Public
15	Citadel Securities	Jan 2022 round	2001	USA	Finetch	Investing	Private
16	WeBank	Nov 2018 transaction	2014	China	Fintech	Banking	Private
17	FNZ	Feb 2022 round	2004	UK	Investech	Wealth Mgmt	Private
18	Toast	30 Oct '24	2011	USA	Fintech	Payments	Public
19	Marqeta	Secondary May 2021	2010	USA	Fintech	Payments	Private
20	Affirm	30 Oct '24	2012	USA	Fintech	Lending	Public
21	Klarna	July '24 secondary	2005	Sweden	Fintech	Payments	Private
22	SoFi	30 Oct '24	2011	USA	Fintech	Lender	Public
23	GoodLeap	Jan 2021 round	2003	USA	Lending	Solar POS	Private
24	PhonePe	Jan 2023 funding	2015	India	Fintech	Payments	Private
25	Checkout.com	Estimate Dec 2022	2012	UK	Fintech	Payments	Private
26	KuCoin	May 2022 round	2017	Saychelles	Crypto	Exchange	Private
27	Bullish	July 2021 SPAC (cancelled)	2021	Cayman Islands	Crypto		Private
28	PolicyBazaar (PB Fintech)	30 Oct '24	2008	India	Insurtech		Public
29	N26	Oct 2021 round	2013	Germany	Fintech	Banking	Private
30	SumUp	Nov 2023 round (est)	2012	UK	Payments	Mobile	Private
31	Tipalti	Dec 2021 round	2010	USA	Fintech	Payments	Private
32	FalconX	June 2022 round	2018	USA	Crypto		Private
33	Fireblocks	Jan 2022 round	2018	USA	Crypto	Infrastructure	Private
34	Jiedaibao	Jan 2016 round	2014	China	Fintech	Lending	Private
35	KakaoBank	30 Oct '24	2016	South Korea	Fintech	Lending	Public
36	HealthEquity	30 Oct '24	2002	USA	Fintech	Banking	Public
37	Razorpay	April 2021 round	2014	India	Fintech	Payments	Private
38	Wise (TransferWise)	30 Oct '24	2011	UK	Fintech	Payments	Public
39	Chime	July 2024 secondary	2013	USA	Fintech	Banking	Private
40	Webull	Feb 2024 SPAC (proposed)	2016	China	Investech		Private
41	Ramp	July 2024 secondary	2019	USA	Fintech	Cards/SMB	Private
42	Gemini	Nov 2021 round	2014	USA	Crypto	Exchange	Private
43	Credit Karma	Exit (Intuit)	2007	USA	Fintech	Credit	Exit
44	Blockchain.com	Nov 2023 round	2011	UK	Crypto		Private
45	NYDIG	Dec 2021 round	2017	USA	Crypto		Private
46	Remitly	Sep 2021 round	2011	USA	Fintech	Payments	Private
47	Toss (Viva Republica)	Dec 2022 round	2011	South Korea	Fintech	Payments	Private
48	Clearwater Analytics	30 Oct '24	2003	USA	Fintech	Investing/back office	Public
49	Ripple	July 2024 secondary	2012	USA	Crypto	Payments	Private
50	Mollie	June 2021 round	2004	Netherlands	Fintech	Payments	Private
51	Nuvei	Exit Mar 2024 (Advent)	2003	Canada	Fintech	Payments	Exit
52	CRED	June 2022 round	2018	India	Fintech	Credit	Private
53	Deel	Oct 2023 secondary	2018	USA	Fintech	Payroll/SMB	Private
54	Bill.com	30 Oct '24	2006	USA	Fintech	Payments	Public
55	Trustly	May 2021 IPO filing	2008	Sweden	Fintech	Payments	Private
56	Root Insurance	Oct 2020 IPO	2016	USA	Fintech	Insurance	Private
57	One97 (PayTM)	30 Oct '24	2010	India	Fintech	Payments	Public
58	Mambu	Dec 2021 round	2011	Germany	Fintech	Banking	Private
59	Trade Republic	Mar 2024 round	2015	Germany	Fintech	Investing	Private
60	Q2 Holdings	30 Oct '24	2004	USA	Fintech	Banking	Public
61	Monzo	April 2024 round	2015	UK	Fintech	Banking	Private
62	Brex	Nov 2023 secondary	2017	USA	Fintech	Cards	Private
63	Bybit	Estimate (June 2024)	2018	Singapore	Crypto	Exchange	Private
64	Coalition	July 2022 round	2017	USA	Insurtech	Cybersecurity	Private
65	Gusto	July 2024 secondary	2011	USA	Fintech	Payroll/SMB	Private
66	Mynt (Gcash)	Aug 2024 round	2003	Phillipines	Fintech	Payments	Private
67	Qonto	Jan 2022 round	2016	France	Banking	SMB	Private
68	Virtu Financial	30 Oct '24	2008	USA	Fintech	Investing	Public
69	Upstart	30 Oct '24	2012	USA	Fintech	Lending	Public
70	Lendable	Mar 2022 round	2014	USA	Lendtech	Marketplace	Private
71	Airwallex	June 2024 secondary	2015	Australia	Fintech	Payments	Private
72	Wefox	May 2023 round	2015	Germany	Fintech	Insurance	Private
73	Envestnet	Exit July 2024 (Bain)	1999	USA	Investech	Wealth Mgmt	Exit
74	nCino	30 Oct '24	2012	USA	Fintech	Banking	Public
75	Circle Internet Financial	July 2024 secondary	2013	USA	Crypto	Payments	Private
76	Navan (TripActions)	July 2024 secondary	2015	USA	Payments	Accounting	Private
77	Bitpanda	Aug 2021 round	2014	Austria	Crypto		Private
78	Carta	Nov 2023 secondary	2012	USA	Fintech	Investing	Private
79	AngelList	Mar 2022 round	2010	USA	Investing	VC	Private
80	EngageSmart	Private Equity buyout 10/23	2009	USA	Payments	Full stack	Private
81	Kakao Pay	IPO filing 2021	2014	South Korea	Fintech	Payments	Private
82	Upstox	Sep 2022 round	2009	India	Investech		Private
83	WealthSimple	April 2021 round	2014	Canada	Fintech	Investing	Private
84	BharatPe	Jan 2022 round	2018	India	Fintech	Payments	Private
85	Dutchie	Oct 2021 round	2017	USA	Fintech	Payments	Private
86	Papaya Global	Mar 2021 round	2016	Israel	Fintech	Payroll/SMB	Private
87	SpotOn	May 2022 round	2017	USA	Fintech	Payments	Private
88	Stone	30 Oct '24	2013	Brazil	Fintech	Payments	Public
89	Chargebee	Jan 2022 round	2011	USA	Fintech	Payments	Private
90	eToro	July '24 secondary	2007	UK	Fintech	Investing	Private
91	Assurance	Exit	2016	USA	Insurtech		Exit
92	iCapital Network	July 2024 secondary	2013	USA	Fintech	Investing	Private
93	MoonPay	Oct 2021 round	2019	USA	Cyrpto	Payments	Private
94	Payoneer	30 Oct '24	2005	USA	Fintech	Payments	Public
95	Bilt	Aug 2024 round	2019	USA	Payments	Cards/Rewards	Private
96	Blockdaemon	Jan 2022 round	2017	USA	Crypto	Payments	Private
97	Blockstream	Aug 2021 round	2014	Canada	Crypto		Private
98	Cedar	Mar 2021 round	2016	USA	Healthtech	Payments	Private
99	Paymentus	30 Oct '24	2004	USA	Fintech	Payments	Public
100	HighRadius	Mar 2021 round	2006	USA	Fintech	Accounting	Private
101	Plaid Technologies	July 2024 secondary	2012	USA	Fintech	Infrastructure	Private
102	Flutterwave	Feb 2022 round	2016	USA	Fintech	Payments	Private
103	Anchorage Digital	Dec 2021 round	2017	USA	Crypto		Private
104	Chainalysis	Feb 2024 secondary	2014	USA	Crypto	Security	Private
105	China UnionPay	Per Crunchbase 12/19	2002	China	Fintech	Payments	Private
106	Cross River Bank	Mar 2022 round	2008	USA	Banking		Private
107	Devoted Health	May 2020 round	2017	USA	Health	Insurance	Private
108	Forter	May 2021 round	2013	USA	Fintech	Security	Private
109	Groww	Oct 2021 round	2017	India	Fintech	Investing	Private
110	PineLabs	May 2021 round	1998	India	Fintech	Payments	Private
111	Starling Bank	Apr 2022 round	2014	UK	Fintech	Banking	Private
112	Du Xionman Financial	Dec 2018 round	2015	China	Fintech	Lending	Baidu owned
113	DriveWealth	Aug 2021 round	2012	USA	Fintech	Investing	Private
114	OVO	Mar 2019 round	2017	Indonesia	Fintech	Payments	Private
115	Rakuton Securities	Oct 2022 round	1999	Japan	Investech	Broker	Private
116	OakNorth	May 2019 round	2015	UK	Fintech	Banking	Private
117	Verafin	Exit Nov 2020	2003	Canada	Fintech	Security	Exit
118	Uala	Nov 2024 round	2017	Argentina	Fintech	PFM	Private
119	Zip Co	30 Oct '24	2013	Australia	Payments	BNPL	Public
120	Backbase	June 2022 round	2003	Netherlands	BankTech		Private
121	Ethos Life	Jan 2022 round	2016	USA	Insuretech	Life	Private
122	Thought Machine	May 2022 round	2015	UK	Banktech		Private
123	Paidy	Exit Sep 2021 (PayPal)	2008	Japan	Fintech	Payments	Exit
124	Recorded Future	Exit Oct 2024 (MasterCard)	2009	USA	Security		Exit
125	PagSeguro	30 Oct '24	2006	Brazil	Fintech	Payments	Public
126	Rapyd	Oct 2024 secondary	2016	UK	Fintech	Payments	Private
127	Duck Creek Software	Exit Mar 2023 (Vista Equity)	2000	USA	Fintech	Insurance	Exit
128	dLocal	30 Oct '24	2016	Uruguay	Fintech	Payments	Public
129	Tinkoff Bank	30 Oct '24	2006	Russia	Fintech	Banking	Public
130	Aura	Oct 2021 round	2019	USA	Insuretech	Identity	Private
131	Coda Payments	April 2022 round	2011	Singapore	Payments		Private
132	Singlife	Nov 2023 round	2015	Singapore	Insuretech	Life	Private
133	Itiviti	Exit April 2021	2016	Sweden	Fintech	Investing	Exit
134	Lakala	30 Oct '24	2004	China	Fintech	Lead gen	Public
135	Accelerant	June 2023 round	2018	USA	Insuretech	Marketplace	Private
136	Kraken	Aug 2024 secondary	2011	USA	Crypto		Private
137	Paxos	April 2021 round	2012	USA	Crypto		Private
138	Enova	30 Oct '24	2004	USA	Lendtech		Public
139	Flywire	30 Oct '24	2011	USA	Fintech	Payments	Public
140	Lufax	30 Oct '24	2011	China	Fintech	Investing	Public
141	Greenlight	April 2021 round ($500M in July '24 secondary)	2014	USA	Fintech	Payments	Private
142	Divvy	Exit May 2021 (Bill.com)	2016	USA	Fintech	Payments/SMB	Exit
143	Lifelock	Exit	2005	USA	Fintech	Credit	Exit
144	Upgrade	Aug 2023 secondary	2016	USA	Fintech	Lending	Private
145	Bitso	May 2021 round	2014	Mexico	Crypto		Private
146	Chipper Cash	Nov 2021 round	2018	USA	Fintech	Payments	Private
147	CloudWalk	Nov 2021 round	2013	Brazil	Fintech	Payments	Private
148	CoinDCX	Apr 2022 round	2017	India	Crypto		Private
149	Current	April 2021 round	2015	USA	Fintech	Banking	Private
150	Newfront	Apr 2022 round	2017	USA	Insurtech	Commercial	Private
151	iZettle	Exit	2010	Sweden	Fintech	Payments	Exit
152	Tink	June 2021 Exit (Visa)	2012	Sweden	Fintech	Banking	Exit
153	C6 Bank	Dec 2020 round	2018	Brazil	Fintech	Banking	Private
154	GoCardless	Feb 2022 round	2011	UK	Fintech	Payments	Private
155	Jeeves	Mar 2022 round	2019	USA	Cards	SMB	Private
156	Mercado Bitcoin	June 2021 round	2013	Brazil	Crypto		Private
157	PayFit	Jan 2022 round	2015	France	SMB	Payroll	Private
158	ReCharge	May 2021 round	2014	USA	Fintech	Payments	Private
159	21.co	Sep 2022 round	2018	Switzerland	Crypto	Investing	Private
160	Amber Group	Dec 2022 round est.	2017	Hong Kong	Crypto	Exchange	Private
161	Atome	Sep 2021 round	2019	Singapore	Finetch	Lending	Private
162	Avant	Sep 2015 round	2012	USA	Fintech	Lending	Private
163	Babel Finance	May 2022 round	2018	Hong Kong	Crypto	Asset Mgmt	Private
164	Bunq	June 2021 round	2012	Netherlands	Fintech	Banking	Private
165	Clearco	April 2021 round	2015	USA	Fintech	Lending	Private
166	ClearStreet	April 2022 round	2018	USA	Investech	Security	Private
167	Clip	June 2021 round	2012	Mexico	Fintech	Payments	Private
168	Copper	Oct 2022 round	2018	UK	Cyrpto	Custody	Private
169	Divvy Homes	Aug 2021 round	2017	USA	Fintech	Investing/proptech	Private
170	FirstP2P	Per Crunchbase Dec 2019	2013	China	Fintech	Lending	Private
171	Lunar	Mar 2022 round	2015	Denmark	Banking	Challenger	Private
172	Modern Treasury	Oct 2021 round	2018	USA	Fintech	Banking	Private
173	MoMo	Dec 2021 round	2007	Vietnam	Payments	Superapp	Private
174	Opay	Aug 2021 round	2018	Nigeria	Fintech	Payments	Private
175	Pipe	Mar 2021 round	2019	USA	Fintech	Lending	Private
176	Waterdrop	Aug 2020 round	2016	China	Fintech	Insurance	Private
177	Zenefits	May 2015 round	2013	USA	Fintech	Payroll/SMB	Private
178	Zilch	Nov 2021 round	2018	UK	Fintech	Lending	Private
179	Next Insurance	Nov 2023 secondary	2016	USA	Fintech	Insurance	Private
180	Addepar	July 2024 secondary	2009	USA	Fintech	Investing	Private
181	Coinswitch Kuber	Oct 2021 round	2017	India	Crypto	Exchange	Private
182	Digit Insurance	Jan 2021 round	2016	India	Insurtech	Insurance	Private
183	MX	Jan 2021 round	2010	USA	Fintech	Banking	Private
184	Roofstock	Mar 2022 round	2015	USA	Investech	Real estate	Private
185	Varo Money	Mar 2023 round	2015	USA	Fintech	Banking	Private
186	AI Bank (Baixain)	Dec 2020 round	2017	China	Fintech	Banking	Private
187	BitGo	Aug 2023 round	2013	USA	Crypto		Private
188	AvidXchange	30 Oct '24	2000	USA	Fintech	Payments	Public
189	LiveOak Bank	30 Oct '24	2008	USA	Banktech	Bank	Public
190	Quantexa	Feb 2023 round	2016	UK	Security	Financial Crimes	Private
191	Trulioo	June 2021 round	2011	Canada	Fintech	Security	Private
192	GreenSky	Sep 2021 exit (Goldman Sachs)	2006	USA	Fintech	Lending	Exit
193	Creditas	June 2024 round	2012	Brazil	Fintech	Lending	Private
194	Kredivo (FinAccel)	Oct 2022 round	2015	Indonesia	Lendtech	BNPL	Private
195	Micro Connect (Diguantong)	Aug 2023 round	2021	Hong Kong	Fintech	Investing	Private
196	Spotter	Feb 2022 round	2019	USA	Lending	SMB/creators	Private
197	Wave	Sep 2021 round	2018	Senegal	Fintech	Payments	Private
198	Zuora	Exit Oct 2024 (Silver Lake)	2007	USA	Fintech	Payments	Exit
199	Melio Payments	Nov 2023 secondary	2018	USA	Fintech	Payments	Private
200	Mercury Payments	Exit (Vantiv 2014)	2001	USA	Fintech	Payments	Exit
201	LendingClub	30 Oct '24	2008	USA	Fintech	Lending	Public
202	Aspiration	July '24 secondary	2013	USA	Fintech	Banking	Private
203	BillDesk	July 2019 round	2000	India	Fintech	Payments	Private
204	Bolttech	May 2023 round	2020	Singapore	Insurtech		Private
205	Capitolis	Mar 2022 round	2017	USA	Investech	Capital Markets	Private
206	FloQast	Apr 2024 round	2013	USA	SMB	Accounting	Private
207	Neon Payments	May 2022 round	2016	Brazil	Banktech		Private
208	Pave	June 2022 round	2019	USA	Payments	Payroll/SMB	Private
209	Solaris	July 2023 round	2016	Germany	Fintech	Banking	Private
210	Viva Wallet	Chase investment 2022	2010	Greece	Payments	Processing	Private
211	Wayflyer	Jan 2022 round	2019	Ireland	Lending	Ecommerce	Private
212	Wealthfront	July 2024 secondary	2008	USA	Investech	Robo	Private
213	BillTrust	Exit Mar '23 (EQT)	2001	USA	Payments		Exit
214	Self Financial	Sep 2021 round	2015	USA	Fintech	Credit	Private
215	Alloy	Aug 2022 round	2015	USA	Fintech	IDentity	Private
216	Hypoport SE	30 Oct '24	1999	Germany	Fintech	Lending	Public
217	Akulaku	Feb 2022 round	2014	Indonesia	Fintech	Lending	Private
218	Altruist	April 2024 round	2018	USA	Investech	Wealth Mgmt	Private
219	Ascend Money	Sep 2021 round	2015	Thailand	Payments	Wallet	Private
220	Built	July 2022 round	2014	USA	Lendtech	Construction	Private
221	Coinlist	Oct 2021 round	2017	USA	Crypto	Investing	Private
222	Dock	May 2022 round	2014	Brazil	Payments	Cards	Private
223	Kushki	June 2022 round	2017	Ecuador	Payments		Private
224	Ledger	June 2021 round	2014	France	Crypto		Private
225	M1 Finance	July 2021 round	2015	USA	Banktech	PFM	Private
226	OneCard	July 2022 round	2019	India	Payments	Cards	Private
227	PingPong	Mar 2019 round	2015	China	Payments		Private
228	Tabby	Oct 2023 round	2019	Saudi Arabia	Lending	BNPL	Private
229	WeLab	Mar 2021 round (est)	2013	HongKong	Lendtech		Private
230	Zepz (WorldRemit)	Bloomberg Aug 2020	2010	UK	Payments		Private
231	Zeta	May 2021 round	2015	India	Banktech		Private
232	GoHealth	Exit	2001	USA	Healthtech	Insurance	Exit
233	Figure	Nov 2023 secondary	2018	USA	Fintech	Lending	Private
234	Alkami	April 2021 round	2009	USA	Banktech		Private
235	At-Bay	July 2021 round	2016	USA	Insurtech	Cyber	Private
236	CGTZ	June 2018 round	2013	China	Lendtech		Private
237	Figment	Dec 2021 round	2018	USA	Crypto	Staking	Private
238	FPL Technologies	Aug 2022 round	2019	India	Payments	Cards	Private
239	Judo Bank	June 2021 round	2016	Australia	Banktech	SMB	Private
240	Liquidity Group	Feb 2023 round	2018	Israel	Lendtech	SMB	Private
241	Nium	June 2024 round	2015	Singapore	Payments		Private
242	Paddle	May 2022 round	2012	UK	Payments	Invoicing	Private
243	Scalable Capital	June 2021 round	2014	Germany	Investech		Private
244	Stash	Feb 2021 round	2015	USA	Invedtech		Private
245	Human Interest	July 2024 round	2015	USA	Investech		Private
246	Lemonade	30 Oct '24	2015	USA	Insurtech		Public
247	Betterment	Sep 2021 round	2008	USA	Investech		Private
248	Cointracker	Jan 2022 round	2017	USA	Crypto	Accounting	Private
249	CredAvenue	Mar 2022 round	2017	India	Lendtech	Marketplace	Private
250	iTrustCapital	Jan 2022 round	2018	USA	Crypto	Investing	Private
251	Konvio	Sep 2021 round	2013	Mexico	Fintech	SMB/Accounting	Private
252	Lukka	Jan 2022 round	2014	USA	Crypto	Infrastructure	Private
253	Marshmallow	Sep 2021 round	2017	UK	Insurtech	Auto	Private
254	Talos	May 2022 round	2018	USA	Crypto	Infrastructure	Private
255	TrueBill	Dec 2021 exit (Rocket)	2015	USA	Banktech	PFM	Private
256	BioCatch	April 2024 exit (Permira)	2011	Israel	Fintech	Security	Exit
257	Paya	Jan 2022 exit (Nuvei)	2006	USA	Payments		Exit
258	Oscar Health	30 Oct '24	2012	USA	Healthtech	Insurance	Public
259	AgentSync	Dec 2021 round	2018	USA	Insuretech	Broker management	Private
260	Clover Health	Jan 2019 round	2013	USA	Healthtech	Insurance	Private
261	HashKey	Jan 2024 round	2018	China	Crypto	Exchange	Private
262	Mercury Technologies	July 2024 secondary	2015	USA	Banking	SMB	Private
263	Phantom Technologies	Jan 2022 round	2021	USA	Cyrpto	Wallet	Private
264	Pilot	Mar 2021 round	2016	USA	Fintech	SMB/Accounting	Private
265	Public.com	Feb 2021 round	2018	USA	Investech		Private
266	Scalapay	Feb 2022 round	2019	Italy	Lendtech	BNPL	Private
267	Skrill	Estimate (Dealroom.co)	2001	UK	Payments	Remittances	Private
268	Stori	August 2022 round	2011	Mexico	Payments	Cards	Private
269	Unit	May 2022 round	2019	USA	Banktech	BaaS	Private
270	Galileo	Exit	2000	USA	Payments		Exit
271	SimpleNexus	Nov 2021 exit (nCino)	2011	USA	Lendtech	Mortgage	Exit
272	Deposit Solutions	Sep 2019 round	2011	Germany	Banktech		Private
273	Sezzle	30 Oct '24	2016	USA	Lendtech		Public
274	Acko	Oct 2021 round	2016	India	Insurtech	D2C	Private
275	Branch	June 2022 round	2017	USA	Insuretech	Home/Auto	Private
276	Caribou	May 2022 round	2016	USA	Lendtech	Auto	Private
277	Earnix	Feb 2021 round	2001	Israel	Fintech	Analytics	Private
278	Fenbeitong	Feb 2022 round	2016	China	Payments	Biz T&E	Private
279	Fundbox	Nov 2021 round	2013	USA	Lendtech	SMB	Private
280	Happy Money (fka Payoff)	Feb 2022 round	2009	USA	Fintech	PFM	Private
281	Lendbuzz	October 2023	2015	USA	Lendtech	Auto loans	Private
282	MobileCoin	Aug 2021 round	2017	USA	Crypto		Private
283	Raisin	Mar 2023 round	2012	Berlin	Banking	Deposits	Private
284	Spendesk	Jan 2022 round	2016	France	Payments	SMB/Accounting	Private
285	Sunbit	May 2021 round	2016	USA	Lendtech		Private
286	Super Apps Holding	Oct 2022 SPAC (proposed)		Malysia	Payments		Private
286	Tradeshift	May 2018 round	2009	USA	Fintech	Trade	Private
287	Zego	Mar 2021 round	2016	UK	Insurtech	Auto	Private
288	Bridge	Oct 2024 exit (Stripe)	2022	USA	Crypto	Stablecoin	Exit
289	Cayan	Exit	1998	USA	Payments		Exit
290	Technysis	Feb 2022 exit (SoFi)	1999	USA	Banktech		Exit
291	DailyPay	Nov 2024 secondary	2015	USA	Payments		Private
292	Ajaib	Oct 2021 round	2018	Indonesia	Investech		Private
293	Amount	May 2021 round	2019	USA	Fintech	Infrastructure	Private
294	Aven	July 2023 round	2019	USA	Lendtech	Home equity	Private
295	Betterfly	Jan 2022 round	2018	Chile	Insuretech	Health	Private
296	Bitkub	Nov 2021 round	2018	Thailand	Crypto	Exchange	Private
297	C2FO	Apr 2019 round	2008	USA	Fintech	Accounting	Private
298	Cais	Jan 2022 round	2009	USA	Investech	Wealth Mgmt	Private
299	Cart.com	Feb 2022 round (est)	2021	USA	Ecommerce	Payments	Private
300	Clark	Aug 2022 round	2015	Germany	Insurtech	Brokerage	Private
301	Clearcover	April 2021 round	2016	USA	Insurtech	Automobile	Private
302	Crypto.com	Nov 2021 estimate	2016	Singapore	Cyrpto	Exchange	Private
303	DANA Wallet	Aug 2022 round	2017	Indonesia	Payments	Wallet	Private
304	EBANX	Jun 2021 round	2012	Brazil	Payments		Private
305	Enable	Nov 2023 round	2016	USA	Payments	Rebate mgmt	Private
306	Esusu	Jan 2022 round	2016	USA	Lendtech	Credit score	Private
307	Feedzai	Mar 2021 round	2011	USA	Fintech	Security	Private
308	Flex	Feb 2022 round (est)	2019	USA	Lendtech	Renters	Private
309	Freshbooks	Aug 2021 round	2003	Canada	Fintech	SMB/Accounting	Private
310	Glia	Mar 2022 round	2012	USA	Banktech	Customer Service	Private
311	Guantlet	Mar 2022 round	2018	USA	Crypto	Lending	Private
312	Huisuanzhang	May 2020 round	2015	China	SMB	Accounting	Private
313	InCred	Nov 2023 round	2016	India	Fintech	Lending	Private
314	Interswitch	Nov 2019 round	2002	Nigeria	Payments		Private
315	InvestCloud	Feb 2021 transaction	2010	USA	Investech		Private
316	KCD (Korean Credit Data)	Aug 2023 round	2016	South Korea	Lending	Data	Private
317	Kin Insurance	Sep 2023 round	2016	USA	Insuretech	Home	Private
318	LendingHome	Mar 2018 round	2014	USA	Lendtech		Private
319	Liquid	Apr 2019 round	2013	Japan	Crypto		Private
320	Lydia	Dec 2021 round	2013	France	Banktech	Consumer	Private
321	MatrixPort	Aug 2021 round	2019	Singapore	Crypto		Private
322	MNT-Halan	Jan 2023 round	2017	Egypt	Lending	Payments	Private
323	Moniepoint	Oct 2024 round	2015	Nigeria	Payments		Private
324	Nagad	Aug 2023 round	2018	Bangladesh	Payments	Online	Private
325	Neo Financial	May 2022 round	2019	Canada	Banking	Challenger	Private
326	Numbrs	Aug 2019 round	1999	Switzerland	Banktech		Private
327	Octane Lending	Aug 2021 round	2014	USA	Lendtech		Private
328	Open	April 2022 round	2017	India	Banktech	SMB	Private
329	Opn	May 2022 round	2020	Thailand	Payments		Private
330	Orchard	Sept 2021 round	2017	USA	Lendtech	Mortgage	Private
331	Oxyzo	Mar 2022 round	2016	India	Lendtech		Private
332	Papara	July 2023 round	2015	Turkey	Fintech	Debit	Private
333	Payhawk	Feb 2022 round	2018	London	Payments	SMB	Private
334	Paystand	Aug 2022 merger	2013	USA	Payments	Billing/SMB	Private
335	Pennylane	Feb 2024 round	2020	France	Fintech	Accounting	Private
336	Pie Insurance	Sep 2022 round (est)	2017	USA	Insuretech	SMB	Private
337	PPRO	Jan 2021 round	2006	UK	Payments		Private
338	Prove Identity (Payfone)	Oct 2023 round	2008	USA	Fintech	Security	Private
339	Satispay	Sep 2022 round	2013	Italy	Payments		Private
340	Shift Technology	May 2021 round	2013	France	Insurtech	Analytics	Private
341	Sift	April 2021 round	2011	USA	Fintech	Security	Private
342	Sightline Payments	Aug 2021 round	2009	USA	Payments		Private
343	Slice	Nov 2021 round	2016	India	Fintech	Cards	Private
344	SmartAsset	June 2021 round	2012	USA	Investech		Private
345	Stax (FatMerchant)	Mar 2022 round	2014	USA	Payments	Processing	Private
346	Tamara	Dec 2023 round	2020	Saudi Arabia	Lending	BNPL	Private
347	TaxFix	Apr 2022 round	2016	Germany	Fintech	Tax	Private
348	The Zebra	April 2021 round	2012	USA	Insurtech	Lead gen	Private
349	Transfermate	May 2022 round	2010	Ireland	Payments	B2B	Private
350	TrueLayer	Sep 2021 round	2016	UK	Banktech		Private
351	Vesttoo	Oct 2022 round	2018	Israel	Insuretech	Risk	Private
352	Vestwell	Dec 2023 round	2016	USA	Fintech	Investing	Private
353	Vise	May 2021 round	2016	USA	Investech	Advisors	Private
354	VNLife (VNPay)	Aug 2021 round	2007	Vietnam	Ecommerce		Private
355	Worldcoin	Oct 2021 round	2019	USA	Crypto	Payments/Identity	Private
356	Xendit	Sept 2021 round	2014	Indonesia	Payments	Payments	Private
357	Xtransfer	Sep 2021 round	2017	China	Payments	SMB	Private
358	Zebic	Aug 2022 round	2021	USA	Crypto	Payroll/SMB	Private
359	Zopa	Oct 2021 round	2004	UK	Lendtech		Private
360	ChromeRiver (Emburse)	Mar 2019 merger (Certify)	2007	USA	Payments		Exit
361	Currency Cloud	July 2020 exit (Visa)	2012	UK	Payments		Exit
362	Nutmeg	June 2021 exit (JPMorgan)	2011	UK	Investech		Exit
363	Personal Capital	Exit	2009	USA	Investech		Exit
364	Pismo	Jan 2024 exit (Visa)	2016	UK	Banktech		Exit
365	Finicity	June 2020 Exit (Mastercard)	1999	USA	Fintech	Infrastructure	Exit
366	Uniswap	July 2023 secondary	2018	USA	Crypto	Exchange	Private
367	Acorns	Oct 2023 secondary	2012	USA	Fintech	Investing	Private
368	Bright Health	Nov 2019 round	2015	USA	Insuretech	Health	Private
369	Tyme Bank	June 2024 round	2013	South Africa	Fintech	Banking	Private
370	Pagaya	30 Oct '24	2016	USA	Fintech	Banking	Public
371	Thunes	July 2023 round	2016	Singapore	Payments	Remittances	Private

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Fintech Unicorns of the 21st-Century

Unicorn Challenger of the Month*

Finovate Europe Feb 25-26, 2025

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