Payments 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.

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.

Real-time patient booking and experience platform serving as an open data layer on top of EHRs, connecting patients, doctors, and healthcare developers with online booking, messaging, and payments.

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

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.

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

Mollie is a European payment service provider offering a simple, developer-friendly API for online payments, subscriptions, and financial services. It supports a wide range of payment methods across Europe, serving tens of thousands of businesses from startups to enterprises.

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

Niural is an AI-native global PEO and payroll platform that unifies payroll, hiring, compliance, and payments for employees and contractors across multiple countries. It is expanding beyond payroll into long-horizon AI agents for regulated CFO and people-operations workflows via Niural AI Labs. The company reports crossing $200M in annualized gross revenue on its PEO product following its Aetna partnership.

Primer builds payment orchestration infrastructure for online merchants, giving teams a no-code workflow layer to connect processors, optimize routing, and manage the full payment stack through one integration.

A web-based platform that provides mobile game developers with integrated commerce, live operations automation, and payment solutions.

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

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.

Tabs is a revenue automation platform for modern B2B companies, covering billing, accounts receivable, payments, and revenue operations workflows in one system.

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

Life insurance technology platform helping carriers digitize products and distribution.

Hospitality technology platform providing AI-powered hotel management and guest experience solutions.

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

Mesh builds crypto payments infrastructure that lets merchants and fintech platforms accept digital assets while settling instantly in stablecoins.

MoonPay is a cryptocurrency payment infrastructure platform that enables users and businesses to buy, sell, and swap crypto assets through credit cards, bank transfers, and other methods.

Boulevard builds a client experience platform purpose-built for appointment-based self-care businesses such as hair and nail salons, medspas, day spas, and barbershops. It combines online scheduling, messaging, marketing, and integrated payments, and processes nearly $5B in payments annually across 5,000+ businesses. The company applies AI (e.g., its Precision Scheduling feature) to optimize bookings and provider availability.

Numeral automates sales-tax compliance, registrations, filings, and exemption certificate workflows for e-commerce and SaaS businesses.

Airalo offers a global eSIM-based connectivity platform for travelers, providing affordable international mobile data packages.

Global sales tax and VAT compliance platform powering over 3,000 companies across 100+ countries with AI-native automated exposure monitoring, real-time calculations, and filing.

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

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.

A loyalty program and credit card that allows renters to earn points on rent payments without transaction fees, usable for travel and other rewards.

CFTC-regulated prediction market exchange where users trade on real-world event outcomes across economics, politics, weather, and other markets.

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.

Modern property management platform streamlining operations for landlords and property managers with automated rent collection, maintenance tracking, and tenant communication.

Modern financial services platform providing fleet fuel cards, expense management, and payment solutions for businesses that operate vehicle fleets across HVAC, plumbing, and construction.

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.

Odeko builds ordering, inventory, POS and payments software for independent cafes, bakeries and small food businesses, paired with its own overnight supply delivery network. Founded in 2019 by Dane Atkinson and headquartered in New York, it serves 14,000+ customers across 16 US cities. It expanded into small-business insurance by acquiring Butter Insurance alongside its 2025 Series E.

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.

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.

AI-powered sales tax, VAT and GST compliance platform automating complex tax calculations and filings for global businesses

Ambrook is the financial layer powering American industry with accounting and capital infrastructure tailored for farmers ranchers and real economy businesses managing $1.6B+ through the platform.

Loop is a San Francisco-based, full-stack AI platform for logistics and supply chains that ingests and normalizes fragmented shipment, carrier, and financial data to give shippers visibility and predict and prevent disruptions. Its DUX family of logistics-specific models and agents automates freight audit, payment, and accounts payable/receivable decisions. Customers include Olipop, Kendra Scott, and Dot Foods.

Layer-1 blockchain purpose-built for stablecoins and real-world payments, born from Stripe's experience in global payments and Paradigm's expertise in crypto technology.

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.

Coinflow is a payment service provider that lets merchants, web3 games, and consumer apps accept traditional card payments and settle instantly using stablecoins. Its API handles global card acceptance across 170+ countries, fraud prevention, merchant underwriting, and crypto-to-USD payouts to bank accounts. Founded in 2022 and headquartered in Chicago, it raised a $25M Series A led by Pantera Capital in October 2025.

AI platform that automates accounts receivable work for companies with autonomous AR automation technology

Collective is the first online concierge financial platform designed to give self-employed entrepreneurs the technology and team they need to manage company formation, tax, accounting, and bookkeeping, so they can focus on their passion instead of paperwork.

Justt is an AI-powered chargeback automation platform that helps merchants automatically dispute and recover revenue lost to chargebacks. The platform uses machine learning to analyze transaction data and build tailored evidence packages.

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.

Phantom is a leading multi-chain, self-custodial crypto wallet supporting Solana, Ethereum, Bitcoin, Base, and Polygon with over 15 million monthly active users. The platform offers token swaps, staking, NFT management, and cross-chain capabilities.

Posh is a New York-based events, ticketing, and social-discovery platform (posh.vip) that lets organizers create, sell tickets to, and grow communities around live events while users discover experiences via a 'Netflix-style' feed. It has issued ~25M tickets across ~50,000 organizers and ~8M users. This is distinct from posh.ai, the conversational/voice-AI provider for banks and credit unions.

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

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.

A health insurance platform aiming to provide simplified, horizontally integrated health coverage for consumers.

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.

Nuvo builds a trade credit platform that helps B2B sellers onboard buyers, verify businesses, and make faster credit decisions.

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

Vesta provides mortgage infrastructure software for lenders, covering origination, processing, and servicing on a cloud platform.

Whop is a social commerce and software marketplace that helps creators and internet businesses sell digital products, memberships, and community access with integrated payments and growth tools.

Duetti is a New York-based music financing platform that buys catalog rights and individual master/publishing tracks from independent artists, using data-driven valuations to price deals. Artists receive upfront cash while Duetti monetizes and markets the acquired catalogs. Founded in 2022, it has since expanded into publishing catalog deals and new funding programs for indie creators and songwriters.

Automated bookkeeping and accounting platform for freelancers and self-employed entrepreneurs, streamlining expense tracking, tax prep, and financial management.

Novig operates a peer-to-peer sports prediction market where users trade directly with one another instead of against the house, eliminating hidden fees and biased odds. Founded in 2021 by Jacob Fortinsky and Kelechi Ukah and backed by Y Combinator (S22), it has become the fastest-growing platform in the U.S. sports prediction category. In February 2026 it raised a $75M Series B at a $500M valuation to compete with Kalshi and Polymarket.

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

GovTech platform that streamlines government payments and benefits, making it simple for residents to receive benefits, engage with assistance programs, and set up flexible payment plans.

Redo is a post-purchase platform for e-commerce brands offering returns, exchanges, and purchase protection.

Truemed is a US health-payments fintech that lets consumers spend tax-advantaged HSA/FSA funds on evidence-based lifestyle interventions — fitness equipment, supplements, gym memberships, saunas and similar. It works with a network of licensed practitioners who issue Letters of Medical Necessity, and powers HSA/FSA acceptance at checkout for 3,000+ merchants including Peloton, Eight Sleep, Garmin, Rogue Fitness and CrossFit. The company reports 3x year-over-year revenue growth for two consecutive years.

Codex is building a stablecoin-native blockchain designed specifically for cross-border payments and FX, providing on-ramps, off-ramps, and fiat-to-fiat transfers with built-in compliance and identity systems. The platform operates on an Ethereum Layer 2 using Optimism's tech stack, targeting payment service providers and enterprises in emerging markets.

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.

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

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.

Fin is a New York–based payments platform built for high-value, global, and instant transactions, using stablecoins to let users and businesses move millions of dollars in seconds to other Fin users, bank accounts, or crypto rails. Founded by ex-Citadel engineers Ian Krotinsky and Aashiq Dheeraj, the company was previously known as TipLink, a Solana-based link-to-send crypto wallet. It combines crypto settlement speed with traditional-finance reliability and compliance for cross-border and enterprise payments.

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

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.

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.

AtoB builds a financial services platform for fleets, freight brokers, factors, and logistics operators, offering fuel and spend cards, instant payments, working-capital products, fraud controls, and fleet payments infrastructure.

Fun builds payments infrastructure that moves money on and off blockchains, offering white-label deposit, withdrawal, orchestration, and checkout flows for fintech, DeFi/trading, and sports/gaming platforms. It is the sole deposit provider for Polymarket and also powers payment flows for Lighter and Aave, processing over $18B in annual volume. Founded in 2022 and previously in stealth, the company is headquartered in Midtown NYC and is opening a Singapore office.

Notabene is a regulatory-technology platform that helps crypto businesses and financial institutions comply with the FATF Travel Rule, screen counterparties, and authorize transactions before they settle. Its compliance network connects 2,300+ institutions across 100+ jurisdictions, and its Notabene Flow product extends the network into B2B stablecoin payments. The company is remote-first and headquartered in New York.

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.

Blockchain-based loyalty and payments platform for restaurants, letting diners earn $FLY cryptocurrency rewards at participating restaurants. Built on Coinbase's Base layer-2 protocol.

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

Lithic is a modern card issuing platform for developers, enabling businesses to create, manage, and process virtual and physical payment cards via flexible APIs.

Mynt is a Swedish fintech providing AI-powered corporate cards and spend management for SMEs. Their platform combines smart business cards, automated receipt handling, travel cost management, and accounting integrations across 5 European markets.

Neon is a modern direct-to-consumer payment platform built specifically for mobile games, helping game publishers build branded digital stores and bypass costly app store fees while providing players with personalized experiences and publishers with higher profit margins.

Subscription commerce platform powering recurring revenue for e-commerce brands.

Seso is an all-in-one employee management platform built for the agriculture industry, helping farms hire migrant workers through H-2A visa automation, manage HR and compliance, and run payroll. Serves 27 of the largest 100 ag employers in the U.S.

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.

Parking management platform that helps property owners monetize and operate parking assets with software + on-the-ground operations.

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.

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.

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.

Embedded product protection platform enabling merchants to offer extended warranties.

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.

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

Monk is an AI-native accounts receivable automation platform that turns contracts into cash using AI, real-time tracking, and smart workflows to handle invoice and collection exceptions.

Rainforest provides embedded payments infrastructure for vertical SaaS platforms, including merchant onboarding, payment operations, and payfac-as-a-service capabilities.

Rove is building the first universal airline mile, a loyalty program that lets users earn and redeem miles across dozens of international airlines and hotel chains worldwide. Through a Chrome shopping extension and hotel booking platform, Rove enables travelers to earn transferable miles without needing credit cards. The Y Combinator-backed startup partners with airlines including Air France-KLM, Qatar Airways, and Finnair.

Stan is an all-in-one commerce platform for creators to sell digital products, courses, coaching sessions, memberships, and bookings from a single link-in-bio storefront, combining checkout, audience monetization, and creator tooling in one product.

Community-driven fitness platform that allows users to discover and host in-person fitness classes, events and experiences. Transforms gyms and studios into social hubs with over 1 million monthly users across 24 US cities.

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.

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

Ekho is an end-to-end vehicle commerce platform that unlocks online sales and automates in-store workflows, consolidating websites, F&I, DMV work, taxes, and compliance to power compliant, digital sales of titled vehicles with a seamless, Tesla-like experience.

Builds encryption infrastructure for developers, including tokenization and PCI compliance tools for payments and sensitive data.

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

Hotplate is an online ordering and drop-selling platform for independent chefs, bakers, and food creators. Sellers set up a storefront in minutes, schedule timed food "drops" (events), and coordinate local pickup or delivery with hundreds or thousands of customers. Founded in 2020 and part of Y Combinator's Summer 2020 batch, the company is based in San Francisco.

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

A Layer 1 blockchain designed from the ground up for the AI era, building a planetary-scale verifiable supercomputer that concentrates the world's compute into a single blockchain.

Software to run parking at buildings—assign, rent, and share spots; manage payments, enforcement, and analytics.

Passionfroot is a Berlin-based platform that helps creators and media companies monetize their brand through sponsorship management and brand partnerships. It serves modern GTM teams to plan, run, pay, and measure creator-led growth end to end.

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.

Sphere Labs (Sphere Laboratories, Inc.) builds SpherePay, a global stablecoin payments API and dashboard that lets businesses move dollars across borders and settle in under 30 minutes across 160+ markets. The platform handles fiat/stablecoin on- and off-ramps, cross-border settlement via local banking partners, treasury and liquidity management, and local compliance. It is also developing SphereNet, its own payments network.

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.

A web3 gaming infrastructure platform providing wallet-as-a-service and payment rails for games.

Contra runs a commission-free professional network and hiring marketplace where independents showcase work, find projects, and get paid without platform take rates.

GigFinesse is a live-entertainment operations platform that connects venues and hospitality groups with musicians and manages the end-to-end live-performance booking workflow — talent discovery, contracting, scheduling, payments, logistics, and performance management. The AI-powered, white-glove platform has powered tens of thousands of shows across 70+ U.S. cities and now handles over 1,000 events per month.

Internet Backyard is building the financial backbone for the global compute economy, helping operators finance and scale infrastructure.

Payroll, benefits, and compliance platform for 1099 contractors and the companies that hire them.

Estate settlement and wealth transfer platform that helps families and advisors manage probate, assets, and beneficiary workflows.

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.

Developer of EigenLayer restaking and the EigenCloud/EigenDA stack, enabling Ethereum stakers and operators to secure new decentralized services (AVSs).

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.

Open-source financial infrastructure platform that provides programmable ledgers, payment connectivity, orchestration tools, and reconciliation services for building modern financial applications, trusted by companies like Booksy, Doctolib, Liberis, and Shares.

Handle is a US-based fintech startup building financial infrastructure and software for construction credit teams. Its platform unifies lien and notice management, automated lien waivers, and integrated payments to streamline compliance across all 50 states. Major construction suppliers such as Ferguson, ABC Supply, and Home Depot count among its customers.

Global payments infrastructure company building on Bitcoin and the Lightning Network, enabling instant low-cost money movement worldwide through APIs and SDKs for fiat, stablecoin, and bitcoin transfers.

Polar is an open-source billing and monetization infrastructure platform for developers and AI-native SaaS companies. It enables modern billing including subscriptions, usage-based, and events-to-billing in minutes with a few lines of code.

B2B payments and cash collection platform that helps businesses automate invoice collection, reduce overdue payments, and provide seamless online payment options to their customers.

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

Consumer investing platform that lets users automatically mirror public trades and strategies from high-profile investors and politicians.

Building a privacy-preserving Ethereum Layer 2 with programmable privacy and client-side proofs.

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.

Divine Research builds an undercollateralized lending system using stablecoins on World Chain. Since launching in December 2024, it has issued over 1 million loans to 900,000+ unique borrowers without requiring collateral or credit history.

Gynger is a New York–based fintech that provides embedded payments and financing infrastructure for B2B technology purchases. Its platform lets software, cloud/GPU, and hardware vendors offer branded credit and flexible payment terms to buyers, while Gynger handles origination, underwriting, servicing, compliance, and collections. The company reports over $200M in contracts financed through the platform.

Kubera Health builds the contract-to-payment system of record for American healthcare, turning payor-provider agreements into structured rules that run continuously against claims and payment data to flag discrepancies. Its platform pairs Contract Intelligence and a Contract Modeler with Payment Auditing and Policy Intelligence to give payors and providers a shared source of truth on every payment. Founded in 2023 by Roja Garimella, MD, it raised a $6.5M seed round led by Upfront Ventures in May 2026.

Open-source metering and usage-based billing platform that enables SaaS companies to build flexible pricing models with consumption tracking, subscription management, and payment orchestration.

Digital investment platform providing commission-free access to global equity markets, ETFs, and multi-currency savings across European countries.

Global employer of record platform that enables companies to hire, manage, and pay employees and contractors in over 180 countries without establishing local entities.

Unified API platform that connects business data across commerce, accounting, and payments platforms, enabling B2B SaaS companies to integrate financial data seamlessly.

AI-led B2B payments platform offering order-to-cash workflow automation including checkout, risk assessment, payment reconciliation, and cash management, deployed on platforms like Walmart, Alibaba, IKEA, and Samsung.

Stable Sea provides global stablecoin-to-fiat offramp infrastructure for businesses, enabling programmatic conversion of stablecoins to local currencies across 40+ countries through a unified API.

Zeal is a modern payroll infrastructure platform that enables staffing companies and platforms to onboard, pay, and bill workers through its API-first approach. The platform automates payroll compliance, tax calculations, and worker onboarding.

1Money is building the world's first Layer 1 blockchain protocol designed exclusively for stablecoin payments. Founded by former Binance.US CEO Brian Shroder, the network targets enterprise-grade payment use cases with the fastest and most compliant infrastructure.

Stablecoin-powered invoice and bill payment platform that helps businesses send invoices, collect payments, and move funds across bank accounts, wallets, and local rails.

AI expense & finance assistant for SMBs-categorizes spend, flags anomalies, and drafts bookkeeping entries.

Adsum builds tax infrastructure software for UK businesses, including InstantVAT and OpenTax to automate VAT and PAYE workflows.

Agree provides an integrated contract-to-payment workflow that combines e-signatures, invoicing, and payment collection for business teams.

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

Amberflo is an AI monetization infrastructure platform that enables companies to track usage precisely through unified metering, cost attribution, and billing automation. Built for the AI and agentic era, it provides centralized FinOps, credits management, and revenue recognition capabilities for teams deploying LLM-based products.

Amenitiz offers an all-in-one hotel management platform for independent hoteliers, including booking, payments, and operations tools.

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.

Baseline offers software for private real-estate lenders to manage origination, underwriting, servicing, and borrower payment workflows.

Billdr is building an AI-native operating system (vertical SaaS) for SMB general contractors, covering estimates, invoicing, project and team management, and payments. Founded in 2020 as a home-renovation marketplace, it pivoted in 2023 to construction back-office software and is expanding into financial infrastructure (bill pay, corporate cards, lending, insurance) plus AI features like voice-to-action commands and text-to-action agents. Based in Montréal, it serves hundreds of contractors across the US and Canada.

Bolto is an AI-native, all-in-one platform that unifies recruiting, global payroll, and HR (EOR and contractor payments across 150+ countries) in a single product. Its AI HR-orchestration agent surfaces proactive insights to help HR leaders make better human-capital decisions. Founded in 2023 (YC S23), it serves fast-growing companies globally.

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.

Super app platform enabling companies to embed lightweight mini-apps into existing mobile applications for payments, remittances, eSIM, lending, and marketplace features.

An AI-driven financial oversight platform that helps finance teams catch costly errors in payroll, revenue, and expenses through intelligent audit agents.

Modern donor-advised fund platform that makes charitable giving easy and tax-efficient, helping members set money aside, watch it grow tax-free, and donate to nearly any U.S. non-profit.

Dalton Mills is an AI operating system for commercial and residential trades such as plumbing, HVAC, electrical, and roofing. The no-code platform lets home service businesses create custom agentic software and workflows without writing code, handling dispatch, scheduling, quoting, invoicing, payments, and CRM.

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.

Deel is an all-in-one HR and payroll platform that helps businesses hire, manage, and pay global teams across 150+ countries. The platform combines payroll processing, compliance, benefits administration, and workforce management with AI-driven automation.

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.

Duffel provides a powerful API that enables developers and businesses to search, book, and manage flights and other travel products without the complexity of legacy travel infrastructure.

Eco builds stablecoin infrastructure for developers and businesses, enabling programmable money movement and one-click onchain payment flows.

All-in-one GTM analytics solution syncing Salesforce, HubSpot, Stripe and SQL for real-time insights on pipeline and ARR

Fintech platform helping renters build credit through rental payment reporting to credit bureaus, reaching 228 million monthly active users through Zillow, valued at $1.2 billion

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.

Flexprice is an open-source monetization infrastructure platform built for AI-native and SaaS companies. It enables teams to operate usage-based, credit-based, and hybrid pricing models with real-time metering and reporting, following an open-core model with self-hosted or cloud deployment options.

Social platform for fractional ownership of real estate, enabling investment clubs to pool capital and make collective decisions with automated LLC compliance, bookkeeping, and tax filings.

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.

Hyperline is a billing infrastructure platform for B2B SaaS companies, enabling flexible pricing models, automated invoicing, and revenue recognition. It helps software companies launch and scale complex billing workflows without custom engineering.

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.

Italic is a consumer commerce platform that sells unlabeled luxury goods directly from the same manufacturers behind premium brands.

Keep is an all-in-one finance and spend platform for Canadian businesses, combining corporate cards, bill pay, expense management, and accounting workflows in a single system.

Kite (formerly ZettaBlock) is building the payments and identity layer for the agent economy — a purpose-built L1 blockchain plus an Agent Passport that gives autonomous AI agents verifiable identity, delegated authority, spending limits and session-scoped permissions. Its stack includes Kite AIR (agent identity/policy rails) and Kite Chain, a settlement layer with sub-second finality and native stablecoin support. Founded by ex-Uber, Databricks, Salesforce and NEAR infrastructure engineers and based in San Francisco.

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.

Marco is a cross-border trade finance platform for Latin American exporters, combining underwriting software with working-capital products.

Monid is an agent-native tool router — often described as "OpenRouter for agent tools" — that lets AI agents discover, inspect, run, and pay for external tools and APIs at runtime through a single integration and shared balance. Its catalog spans 1,700+ tools across search, SEO, lead generation, e-commerce, market data, social data, and image/video/audio/3D generation, accessible via MCP, CLI, or HTTP API. The company reports over 4 million agent transactions processed.

Naïve builds an autonomous company runtime — AI agent infrastructure that gives agents real-world execution capability across cloud compute, databases, model routing, email, phone numbers, virtual cards, payments, KYC/KYB, company incorporation, and 10,000+ third-party SaaS integrations, with governance for permissions, budgets, and approvals. Developers can have coding agents such as Claude Code, Codex, and Cursor call the API directly, effectively packaging AWS, Stripe, Deel, and incorporation into one interface for "AI employees". Founded by UC Berkeley dropouts Sean Dorje and Dennis Zax, the Y Combinator-backed company raised a $28.5M Series A led by Nexus Venture Partners in August 2026.

Natural builds agentic payments infrastructure that lets AI agents, businesses, and consumers move money reliably. Its platform packages wallets, pay-ins, collections, credit, billing, transfers, compliance, and observability for real-world agent transactions.

Nilus is an AI-powered treasury and cash management platform that automates reconciliation, reporting, and payment workflows for mid-sized to enterprise businesses.

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.

Health insurance data platform modernizing benefits data exchange between HR tech and carriers.

Parrot Finance is a social investing platform that lets users follow and replicate portfolios managed by top financial influencers, asset managers, and hedge funds, making institutional strategies accessible to everyday investors.

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.

Cloud-native mortgage capital markets platform that connects lenders to investors and automates hedging, trading, and analytics workflows.

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

Rebolt is an AI-powered CRM and marketing platform for home service professionals, consolidating lead capture, customer messaging, scheduling, invoicing, payments, and online reviews into a single mobile-first tool. It targets solo operators and small teams in trades like HVAC, roofing, plumbing, and landscaping, replacing multiple point solutions with one AI-driven system. Founded in 2024 and based in Irvine, California.

Roam is a proptech platform helping buyers assume low-rate existing mortgages so home ownership can be significantly more affordable than new-market financing.

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

ROH is a payments and revenue management platform purpose-built for hotels and hospitality groups, automating invoicing, contract tracking, accounts receivable, and payment reconciliation across group, event, and leisure bookings. The platform gives sales and finance teams real-time revenue forecasting and end-to-end visibility into the payment lifecycle, and integrates with existing property management systems. Launched in February 2023 as an evolution of Carats & Cake, it is led by founder and CEO Jess Levin Conroy and headquartered in New York.

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.

Safara builds a hotel discovery and booking platform that curates standout properties and gives travelers rewards, trip management, and mobile-first booking tools.

Sesame is a healthcare marketplace that connects patients directly with doctors, specialists, and labs at transparent, upfront prices — often at half the typical cost. The platform eliminates the need for insurance by enabling same-day appointments with board-certified providers.

Sling Money is a stablecoin-based global payment app that uses modern real-time payment systems, the Solana blockchain, and reserve-backed stablecoins to enable nearly instant and extremely low-cost transfers across 75+ countries, with all transfers currently fee-free.

Stash builds a direct-to-player commerce platform for game studios to own checkout, improve acquisition efficiency, and grow lifetime value outside app-store fees.

Decentralized exchange (DEX) and DeFi platform built on TON blockchain with automated market maker functionality.

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.

Nmbr is Canada's first dedicated embedded payroll software provider, enabling SaaS platforms and financial institutions to launch their own payroll products in days. The API-first platform handles the full complexity of Canadian payroll compliance and remittance.

Theo builds a full-stack platform that connects onchain capital to global financial markets and makes real-world assets tradable across crypto-native workflows.

Tollbit provides a content monetization platform that enables websites to protect and monetize their content by allowing AI bots and data scrapers to pay for licensed access, creating a sustainable content ecosystem.

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.

Volta is an AI-powered B2B commerce platform that automates sales administration for distributors and wholesalers in Europe. The platform digitalizes product catalogs, automates order processing, and integrates with ERP systems.

Warp is an AI-native payroll, HR, compliance and benefits platform for fast-growing companies, handling multi-state payroll, tax filings, onboarding/offboarding, benefits and IT in one system. Founded in 2023 by Ayush Sharma and Adam Rankin out of Y Combinator W23, it serves companies from ~5 to 5,000 employees. It raised a $60M Series B led by Battery Ventures in June 2026, bringing total funding to $85M.

Freelance management platform connecting high-skill freelancers with employers, providing tools for workforce orchestration, contractor compliance, and talent acquisition at scale.

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.

Zenskar is an AI-native revenue automation platform that handles billing, revenue recognition, collections, and analytics for SaaS and subscription businesses. Its AI agents automate contract processing and usage metering, eliminating manual finance workarounds for companies with complex pricing models.