Banking AI Startup Jobs

Airwallex is a venture-backed fintech building cross-border payments and global financial infrastructure for businesses operating internationally. It offers multi-currency business accounts, global payments, cards, and embeddable money-movement APIs, and is expanding into AI-native and agentic finance products. The company runs dual global headquarters (Singapore and San Francisco) with a significant US presence and hiring footprint.

Plata is a Mexican digital banking platform offering AI-powered financial services and a credit card product, aiming to simplify and personalize the financial experience.

Wealth management platform providing data aggregation and portfolio analytics for financial advisors.

API-first stock/ETF/crypto brokerage infrastructure for developers.

Jeeves is a global financial infrastructure platform providing corporate cards, expense management, cross-border payments, and bill pay for businesses operating across 25+ countries. Founded in 2019 and valued at $2.1B, Jeeves enables companies to spin up their finance function within minutes.

Mercury is a fintech company providing a full-stack banking platform built specifically for startups and scaling businesses. With products spanning checking, savings, treasury management, corporate cards, and venture debt, Mercury serves over 200,000 startups.

Rho offers a financial platform for startups and scaling companies that combines business banking, corporate cards, treasury, bill pay, expense management, and accounting automation in one workflow.

Taktile is an AI-powered decision platform built for financial institutions, enabling automated decisions across credit underwriting, fraud detection, AML compliance, and customer onboarding.

Rain builds stablecoin-powered card issuing and payments infrastructure, helping fintechs and global businesses launch card programs and settle transactions with stablecoins.

Cloud-native investment management platform transforming how investment firms operate.

Co-branded credit card platform enabling consumer brands to launch customized Visa and Mastercard rewards programs, deposit accounts, and installment loan offerings.

Anchorage Digital is an institutional crypto platform offering custody, trading, staking, and regulated banking services for digital assets.

Clear Street is a cloud-native clearing, custody, and brokerage platform built to modernize capital markets infrastructure. It serves institutional clients including hedge funds, family offices, and ETF issuers across equities, options, futures, and fixed income.

Embedded credit card platform enabling businesses to launch and manage integrated credit card experiences. Partners include Coinbase, Bilt, Qatar Airways, and Alibaba.

Nevis is a unified AI platform for wealth management that helps advisory teams automate onboarding, portfolio workflows, and client service operations.

Savvy Wealth builds a technology-powered RIA platform that combines software and human advisors to deliver modern wealth management.

Column is a nationally chartered bank building developer-first banking infrastructure. It offers APIs and software for payments, ledgers, compliance, and bank programs so fintech companies can build on regulated banking rails.

LemFi provides international payments and financial services for immigrants, offering multi-currency accounts, remittances, credit, and payments. The platform processes over $1 billion in monthly transactions across 30+ countries.

Parafin builds embedded finance infrastructure that lets platforms offer capital and financial services to small businesses.

Basic Capital offers an innovative 401(k) platform that provides $4 of financing for every dollar in retirement contributions, helping workers leverage appreciating assets and achieve their retirement goals while offering employers affordable record keeping at just $5 per employee per month.

Slash is a business banking platform for internet entrepreneurs and high-spend businesses, offering virtual cards, corporate banking, treasury services, and developer-friendly APIs. Powers over $3B in annualized card spend.

Zeta is a next-generation banking technology company providing cloud-native, fully stackable card processing and core banking platforms for banks and fintechs. Its Tachyon platform powers credit, debit, and prepaid card issuance, lending, and digital banking experiences for issuers. Over 25 million cards run on Zeta-powered platforms across 7 countries, supported by 1,700+ employees.

Array is an embedded fintech products platform that helps digital brands, financial institutions, and fintechs bring consumer financial products to market quickly. The platform provides tools for credit monitoring, identity verification, and financial wellness features.

Tomo Mortgage is a digital mortgage lender founded by former Zillow executives that uses AI to automate underwriting and sales, offering home loans with no lender fees and below-market rates. The company operates in 31+ states and ranked in the top 10% of U.S. mortgage lenders by December 2024 purchase volume. In March 2025 it raised a $20M Series B backed by Progressive Insurance, bringing total funding to $130M.

Baselayer is an AI-powered business identity network for KYB (Know Your Business) verification, credit risk assessment, and fraud prevention. Its platform unifies public records, agentic AI, and networked intelligence so banks, fintechs, lenders, marketplaces, and government institutions can onboard and underwrite businesses in real time instead of via static data and manual review. Products span identity verification and business ratings, credit signals (liens, lawsuits, bankruptcies), and ongoing portfolio monitoring.

AI-native operating system for investment management, providing automated trading, data and analytics, risk management, and portfolio optimization for fixed income. APIs power firms representing 100B+ in assets.

Narmi provides cloud-based digital banking, account opening, admin, payment, AI, and API products for banks and credit unions, helping community financial institutions launch modern consumer and business banking experiences.

Wayflyer is a revenue-based financing platform for e-commerce merchants, providing flexible capital to help online businesses grow.

Cloud-based portfolio management platform for private market investors providing market-leading monitoring, reporting, and diligence tools with AI capabilities

Titan is a banking-native AI platform purpose-built for regulated financial institutions. Its proprietary small language models are trained on OCC, CFPB, FFIEC, FDIC, and Federal Reserve guidance and deployed as governed agents that help bankers draft credit memos, summarize loan files, extract regulatory guidance, and automate compliance and lending workflows. Every response ships with a chain-of-thought audit log for auditability.

Digital family office democratizing wealth management by making sophisticated financial strategies accessible to accredited investors starting at $10,000, offering private market access and tax-efficient investments.

Finix is a full-stack payment processor and payments infrastructure platform that helps software platforms, marketplaces, and businesses accept payments, send payouts, manage risk, and build embedded payment experiences.

Method provides API infrastructure for consumer liability account connectivity, real-time debt data, and embedded repayment experiences across lending and fintech products.

Venn is a Canadian business banking platform offering multi-currency accounts, corporate cards, global transfers, and accounting automation for Canadian businesses.

F2 is an AI platform for private markets investors, purpose-built for private credit, private equity, and commercial banking. It turns unstructured deal data and a firm's historical deal history into a queryable institutional knowledge asset, using multi-model agentic workflows (including its autonomous agent, Adam) to produce investment-grade analysis and memos in minutes. Spun out of Arc Technologies in 2025, F2 serves 100+ funds and banks representing $400B+ in AUM.

nsave offers cross-border banking and payments products for people in high-inflation and underserved markets, including USD accounts and cards.

PactFi provides secure, end-to-end operational infrastructure for managing complex private credit transactions. Its platform replaces fragmented email chains and spreadsheet-driven processes with shared workflows, structured data exchange, and coordinated execution across counterparties. The New York-based company has processed over $300B in deal volume across 250+ counterparties and serves eight of the top 20 credit asset managers.

Duna is an AI-native business identity platform that helps banks, fintechs, and enterprises automate business (KYB) onboarding and compliance. Founded in 2023 by Stripe alumni and headquartered in Amsterdam, it operates a shareable business-identity network and a policy engine that turns compliance rules into auditable, executable code. Customers include Plaid, Fiserv (CCV), Moss, and SVEA Bank.

Personal wealth and portfolio tracker for individuals and families.

Pliant provides a B2B credit card platform for corporate cards, virtual cards, cards-as-a-service, and payment process automation, helping companies control spend and integrate card data into finance systems.

Branch provides earned wage access and digital banking tools that let employers pay hourly, gig, and contract workers instantly instead of waiting for the traditional payroll cycle. Its platform offers on-demand access to earned wages, zero-fee digital wallets, a paycard alternative, and instant payouts for both W-2 and 1099 workforces. Branch serves companies such as Walmart Spark, Uber Freight, and Kelly.

API-driven deposit network and cash management for banks and credit unions.

Sydecar provides fund and SPV back-office infrastructure so managers can launch, operate, and administer private investment vehicles.

Consumer-permissioned data platform that provides API access to payroll, employment, and financial data for streamlined income and employment verification, asset verification, and direct deposit switching.

Atlas Card provides a premium card, concierge, and spend management platform for modern consumers and businesses.

EnFi builds an AI-powered financial intelligence platform for lenders and financial institutions, focused on credit underwriting, portfolio monitoring, and risk analysis workflows.

Banking and cash management for e-commerce brands with real-time insights.

Bretton AI (formerly Greenlite AI) is an agentic AI platform for financial crime compliance, automating AML, KYC/KYB, sanctions investigations, and transaction monitoring for regulated financial institutions. It is trusted by OCC-, FDIC-, and Federal Reserve-regulated banks and fintech platforms including Robinhood, Mercury, and Gusto. The company rebranded from Greenlite AI in February 2026 following its $75M Series B.

Clair embeds earned wage access and on-demand pay into payroll and workforce systems, using bank-backed infrastructure to deliver compliant short-term liquidity to workers.

Finmid provides modular, API-driven embedded lending infrastructure for B2B platforms. The company enables platforms like Wolt, Glovo, and Bolt to offer financing solutions directly to their SMB customers across 30 European markets.

All-in-one business banking, bookkeeping, and tax platform for freelancers and self-employed workers, combining a checking account, automated tax estimation, invoicing, and expense tracking.

Octaura operates the first comprehensive electronic trading platform for syndicated (leveraged) loans and CLOs, combining real-time trading with data and analytics across the full trade lifecycle. Founded in 2022 as an independent company by a consortium of banks including Bank of America and Citi, it launched its loan platform in 2023 and captured roughly 4.6% of secondary loan trading volume within two years. It is headquartered in New York and is building out a CLO trading platform.

Pinwheel builds payroll and income data connectivity products for banks, lenders, credit unions, and fintechs, including direct deposit switching, income and employment verification, subscription management, and consumer-permissioned financial data APIs.

Spade is a New York–based fintech data company whose API turns raw, messy card transaction strings into structured records matched against a proprietary database of verified businesses, returning a persistent counterparty ID, clean merchant name, category, and location. Banks, fintechs, and platforms including Stripe, Mercury, Bilt, FIS, and Corpay use Spade to power authorization decisions, rewards, spend controls, analytics, and AI features. The company processes as many as 1.9 billion transactions daily and reported 470% YoY revenue growth before its 2026 Series B.

Trovy is a consumer fintech that turns home equity into an on-demand, low-cost line of credit accessible through a Mastercard-branded card usable anywhere. Its HELOC card positions home equity as an alternative to high-rate credit cards and personal loans, and it is expanding a broader financing platform for U.S. homeowners. The company is live in 27 states and licensed in 30.

Adfin builds AI-powered invoice payment and credit-control software for small and midsize businesses, accountants, and platforms, combining modern payment infrastructure with automated finance workflows to help companies get paid faster.

Capchase is a vendor-financing technology platform that pays B2B software and hardware vendors upfront while letting their buyers repay in installments. Founded in 2020 as a revenue-based financing provider for SaaS companies, it has since pivoted to B2B buy-now-pay-later and embedded financing infrastructure with AI-enabled underwriting. In May 2026 it raised $26M in equity alongside a $174M credit facility to scale globally.

Comun is a New York-based digital neobank providing fee-free financial services tailored to Latino immigrants in the United States. Users can open an FDIC-insured checking account and get a Visa debit card in minutes using 100+ Latin American ID types (no SSN required), with Spanish-first support, remittances, early paycheck access, and instant payments. The company monetizes through interchange, remittance fees, and interest on deposits.

Business-in-a-box-formation, banking, and compliance for founders globally.

Froda provides digital financing and embedded lending products that help small businesses access working capital.

Business banking and financial management platform specializing in checking accounts, corporate cards, and financing solutions

Personal finance app providing comprehensive spending tracking, investment management, and financial goal planning.

Unified AI platform for financial institutions enabling banks and credit unions to offer banking services through AI-powered chats and voice conversations

Apron is a B2B payments platform for small businesses that digitises and simplifies payments, enabling batch payments to suppliers and employees, expense management, and automated reconciliations.

Casca is an AI-native loan origination platform for SBA lenders and FDIC-insured banks that processes loans 10x faster by automating document collection, KYB checks, and compliance procedures, achieving 90% reduction in manual effort and 3x higher conversion rates.

Catena Labs builds AI-native financial infrastructure spanning agent identity, stablecoins, and banking rails so AI agents can participate in the economy safely.

Griffin is an API-first UK bank providing a full-stack banking-as-a-service platform for companies that need regulated accounts and payments.

M0 builds programmable stablecoin infrastructure for financial institutions, providing minting, settlement, treasury, and compliance primitives for digital dollar products.

Tank Payments is a neobank and payments infrastructure platform built for the trucking industry, offering commercial credit cards, payables automation, and banking products designed for freight businesses. The company is a Y Combinator S22 graduate headquartered in Austin, TX.

Unit provides embeddable banking and lending products that enable software platforms to integrate financial services—including accounts, money movement, card issuing, and capital products—directly into their products. Processes over $80B in annual transactions.

Yendo builds a vehicle-secured credit card that leverages car equity and AI underwriting to expand access to credit.

Alpen Labs builds Bitcoin infrastructure and cryptography tooling, using zero-knowledge proofs to deliver a modular rollup that makes Bitcoin scalable, private, and programmable. The remote-first team of cryptographers and engineers (ex-Blockstream, Palantir, Nethermind) is building financial rails on Bitcoin, including lending and BTC yield products. Founded in 2022, it has raised $19.1M across a seed round led by Ribbit Capital and a January 2025 strategic round led by DBA and Cyber Fund.

CapitalOS provides embedded spend management infrastructure for vertical SaaS platforms, enabling business credit and spend controls via API integrations for platform customers.

Crypto-integrated business banking platform that uses stablecoin rails alongside traditional payment networks.

Etherealize builds institutional-grade financial infrastructure on Ethereum, providing tokenization, Ethereum-native settlement, and zero-knowledge privacy systems for traditional financial institutions. Co-founded by Ethereum researcher Danny Ryan and former Wall Street trader Vivek Raman, it positions itself as the institutional product, business development, and marketing arm of the Ethereum ecosystem.

Hummingbird builds AI-enabled compliance software for financial institutions, covering customer screening, transaction monitoring, investigations, and regulatory reporting.

Embedded accounting platform for SMB software companies, allowing platforms to offer complete accounting and AI-powered bookkeeping services directly within their products, fully replacing external tools like QuickBooks. Supports 30,000+ SMBs through platform customers including Moxie, Nav, Dripos, and Carry with 25%+ adoption rates.

Baselane provides banking and financial management software for landlords and real estate investors, combining business banking, rent collection, bookkeeping, and financial analytics in a single platform. Its AI-powered automation suite (Baselane Smart) helps landlords automate banking and bookkeeping tasks. The company supports more than 50,000 real estate investors across the US.

Every provides an all-in-one back office platform for founders, combining banking, accounting, payroll, taxes, and compliance.

Yonder offers a rewards credit card and app focused on dining, travel, and lifestyle benefits for modern consumers.

Alinea is a consumer investing platform combining AI-guided portfolio recommendations with mobile-first wealth management for younger investors.

Altur builds autonomous voice AI agents for debt collection, operating across phone calls, WhatsApp, and SMS. The platform enables banks and call-center partners to automate outbound debt-collection outreach at scale, with AI agents that negotiate, handle objections, and secure payments. Since launching in Mexico, Altur's agents have collected over $6M USD on live accounts.

AppBrilliance offers a patented Money API that enables real-time, non-custodial payments through FedNow® and RTP®.

Astrada is the data layer for autonomous finance, providing real-time card transaction data infrastructure that unifies financial data across fragmented enterprise systems. It connects directly to card networks to deliver structured, real-time transaction data via API, enabling AI-powered forecasting and autonomous finance operations for spend management platforms. Customers include Workday, Zoho, Payhawk, Miter, and Extend.

Augment Market operates a FINRA-registered marketplace for buying and selling shares in private companies, enabling pre-IPO stock transactions starting at 0,000. The platform connects investors and shareholders for seamless private stock transactions in the secondary market.

BossTax is a mobile-first tax automation app for 1099 independent workers and solo business owners. It provides automated bookkeeping, expense tracking via receipt scanning, tax filing, and integrated business banking from a smartphone, simplifying back-office financial tasks for non-enterprise users.

Debbie is a consumer fintech mobile app that rewards users with cash and points for building savings and paying down debt rather than for spending. It partners with banks and credit unions—who pay to acquire and engage younger consumers—and layers on a marketplace and in-app financial-literacy modules. The company has surpassed 200,000 users who have collectively earned over $2.3M in cash rewards.

Paris-based B2B lending platform providing API-first working capital financing to SMEs across Europe with loan decisions in 27 seconds, serving 17,000+ businesses across five countries.

Era is an AI-powered personal finance platform that connects bank accounts and financial data to AI assistants like Claude and ChatGPT via MCP. The platform offers proactive money management with AI-driven transfers, savings goals, and spending rules.

Personalized, values-aligned investing platform for advisors and institutions.

Finofo is an AI-native financial operations platform for mid-market teams, automating accounts payable, approvals, global payments, receivables, currency conversion, and treasury workflows from one system.

Finom is a European digital banking platform offering financial services and payments solutions tailored to small and medium-sized businesses.

GraphQL-based ledger API giving fintech companies institutional-grade double-entry accounting infrastructure for real-time balance tracking, funds flow composition, and fault-tolerant money movement.

Helcim provides payment processing software and merchant services for small and midsize businesses, combining payments acceptance, invoicing, subscriptions, and commerce tools in one platform.

Instant pay platform that provides employees real-time access to earned wages after every shift, improving employee retention and engagement while reducing payroll administration costs.

Kaaj is an agentic AI credit intelligence platform that automates small business loan underwriting from application to decision-ready analysis. Its AI agents handle business verification, cash-flow assessment, asset valuation and risk analysis, producing decision-ready loan files in minutes and plugging into existing loan origination systems and CRMs. The San Francisco company serves equipment finance and SMB lenders including Amur Equipment Finance, Quality Equipment Finance and Fundr.

KredosAi is an AI-powered collections and revenue recovery platform for telecom, financial services, auto lending, and large consumer service enterprises. It combines behavioral economics, machine learning, and reinforcement learning to decide when, on which channel, and with what messaging to contact delinquent customers. The company reports an 11.5% reduction in write-off rates and a 13.6% lift in customer lifetime value across its enterprise portfolio.

Lama AI is an AI-native, GenAI loan origination platform that helps community and regional banks and credit unions lend to small businesses, automating the process from application to closing. Its platform is in production at dozens of banks and has processed billions of dollars in loan volume. The company is headquartered in NYC with an R&D center in Tel Aviv.

Moolaah Finance (built by Moo Research Labs, Inc. / Moolaah Protocol Ltd) is building livestock-backed credit infrastructure it calls the Biological Ledger. It normalizes real-time herd telemetry from RFID tags and GPS collars into on-chain smart contracts via its ADAPT Protocol, Biological Growth Oracle, and Proof of Steak consensus, so cooperative banks, USDA FSA, SBA, and Farm Credit lenders can price agricultural loans against current collateral condition instead of stale appraisals. The team is distributed, with some roles anchored in Wyoming and Texas.

Nomba (formerly Kudi) is a Nigerian fintech company that provides business banking, POS terminals, online payments, and international wire transfers for businesses across Africa. It operates one of the largest agent banking and point-of-sale networks in Nigeria.

Palico operates an online marketplace for private fund secondaries, helping institutions and investors buy and sell fund positions with improved transparency and process efficiency.

Payman AI is an agentic AI platform for banking institutions that enables autonomous execution of financial transactions through conversational interfaces. The platform deploys AI agents that process payments, transfers, and account analysis via voice or text on existing banking rails, with built-in policy enforcement, compliance logging, and audit trails.

Cap table and equity management software for founders and finance teams.

Ralo is an AI-native online mortgage broker that automates the loan shopping and origination process to offer borrowers rates roughly half a point below the national average and faster closings. Founded in 2025 and based in New York City, it is a Y Combinator-backed company currently licensed in California, Colorado, and Texas.

French wealth management fintech providing private banking services with human expertise and digital innovation, combining technology with experienced private bankers across France.

Round Treasury is an AI-powered treasury management platform that unifies banking, payments, FX, and reconciliation for startups and growing companies. The London-based fintech automates treasury operations through AI agents, giving companies access to 30+ banking and treasury partners through a single account. Founded by Pac O'Shea and Hayyaan Ahmad, Round helps founders minimize risk and maximize returns on excess cash.

Socratix AI builds autonomous AI agents ('AI coworkers') that act as enterprise-grade fraud and risk analysts for financial institutions. The agents help fraud and risk teams investigate cases and counter AI-powered fraud, synthetic identities, and generative-AI attacks that legacy detection systems miss. Founded in 2025 and backed by Y Combinator (S25) and Pear VC.

Swan is a European embedded banking platform that enables software companies to integrate financial services directly into their products via APIs. Licensed as an e-money institution by France's ACPR, Swan serves 150+ partners across 30 European countries.

Volt is building the world's first global real-time payment network, enabling businesses to send and receive real-time account-to-account payments through a unified platform. The company harmonizes domestic payment schemes across 31+ territories.

YieldClub is a consumer crypto savings app that automates stablecoin yield strategies so users can earn real-time interest with no lockups and without needing deep crypto expertise.