1. Moov – Rebuilding Payments Infrastructure
Moov provides modern, open-source payments tech—making it easier for businesses to integrate banking services into their platforms.
2. Truv – Employment & Income Data, Reimagined
Truv helps fintechs verify income and employment in seconds, replacing slow manual processes and helping lenders reduce risk.
3. Capchase – Non-Dilutive Capital for SaaS Startups
Capchase gives startups access to future revenue today—empowering SaaS founders to grow without giving up equity.
4. Tally – Smart Debt Management
Tally combines a line of credit with automation to pay down credit card debt efficiently and save users interest over time.
5. Klarna U.S. – BNPL Meets Shopping Experience
Klarna isn’t just about Buy Now, Pay Later—it’s building a full-on shopping app with discovery, payment flexibility, and post-purchase tools.
6. Otis – Fractional Investing in Alternative Assets
Otis (now part of Public.com) allows users to invest in art, sneakers, and collectibles—bringing alternative investing to the masses.
7. Lithic – Build a Card Product in Days
Lithic provides developer-first APIs to issue virtual cards instantly—accelerating the launch of custom card programs.
8. PointCard – Premium Debit, No Credit Needed
Point offers a debit card with credit card-like rewards, bridging the gap for users who don’t want—or can’t get—traditional credit.
9. Daylight – Banking for the LGBTQ+ Community
Daylight focuses on inclusivity in finance, offering tools and content tailored to LGBTQ+ individuals and couples.
10. Unit – Infrastructure for the Embedded Finance Boom
Unit enables any business to launch banking products fast, offering accounts, cards, and lending—all under their brand.
Conclusion
These fintech startups are not only riding the wave of innovation—they’re shaping it. Whether you’re an investor, consumer, or financial professional, keeping an eye on these disruptors could give you an edge in 2025 and beyond.