Fintech Startups

Xempus operates a digital platform for occupational pension and benefits (betriebliche Vorsorge, including bAV, bKV, and bAKS), covering advisory, new business, and automated portfolio administration. It serves insurers, product providers, brokers, and employers in Germany, offering API integration of tariffs and white-label advisory and administration solutions.

2 investors

Xend Finance is a DeFi platform, described as originating from Africa, that enables legal tokenization of tangible and intangible assets. Through its OAE system it supports uses such as asset-collateralized P2P loans, milestone-based project funding, real estate and agricultural land tokenization, co-ownership of luxury cars, and blockchain-based supply chain tracking.

2 investors

X-Margin Credit is a platform for managing the lending and borrowing life-cycle, offering account setup, due diligence, and loan management through APIs. It provides controls over the movement of funds from borrower DeFi wallets and across trusted exchanges, along with risk analytics condensed into metrics and aggregate scores.

2 investors

xPay is an international payment gateway that enables businesses, particularly in India, to accept cross-border payments from customers across 160+ countries in 150+ currencies. The platform serves enterprises and startups with features including direct local acquiring, subscription collections, payment links, and automated sales tax compliance across 100+ geographies.

2 investors

Xpendit is an AI-powered expense management platform that automates employee expense reports, per diems, cash funds, and corporate card reconciliation, with employees submitting expenses via WhatsApp. It serves companies in Chile and Latin America, integrating with common ERPs and accounting systems.

2 investors

Xplor provides vertical software and embedded payments solutions for small and medium businesses across sectors such as fitness, golf and clubs, recreation, education, field services, and dry cleaning. The company operates globally, serving hundreds of thousands of customers and processing payments across its everyday-life verticals.

2 investors

YieldPoint operates a multi-chain crypto yield platform whose first product, Unity ($UTY), is a dollar-pegged, tokenized market-neutral position that generates yield from crypto trading activity rather than price direction. It offers institutions and individuals daily transparency via a Proof-of-Reserves dashboard, regulated-partner connectivity, and composability across DeFi.

2 investors

Xylo is an AI-powered client engagement platform for Registered Investment Advisors (RIAs) and financial advisors that syncs CRM data, emails, call summaries, and texts to generate behavioral client insights, risk and opportunity alerts, and prioritized task lists. It aims to help advisory practices increase referrals and retention while reducing administrative work.

2 investors

Yabi is an AI-powered personal finance app that offers financial education videos, budgeting and savings tools, bank account connection for spending insights, and credit score tracking. It serves individual consumers looking to manage their money, with references to Dirham suggesting a focus on the UAE market.

2 investors

Yapily provides open banking APIs and infrastructure that enable financial services companies to build and deliver better financial products. The company serves innovative fintech and financial services firms across Europe.

2 investors

Yarken provides a platform that consolidates fragmented IT spend data and usage insights across an organization's technology ecosystem, enabling data-driven decisions on technology investments for financial operations and IT management.

2 investors

Yasmina AI provides an API-based embedded insurance solution that lets online businesses offer coverage—such as motor, travel, home, and SME medical insurance—directly at checkout. It serves e-commerce platforms and merchants in Saudi Arabia and the wider region, handling policy issuance and management as a new revenue stream for its partners.

2 investors

Yaspa is a financial services company with a focus on workplace benefits and employee financial wellness. The company operates in the fintech sector with an emphasis on diversity and workplace culture.

2 investors

Yavin provides payment terminals and a payment platform for merchants such as restaurants and bakeries, including Tap to Pay on iPhone, loyalty programs, tip collection, and a back-office to centralize transactions. It integrates with point-of-sale software to automate cash register closing and accepts multiple payment methods, including meal vouchers, AMEX, and ANCV, serving businesses in France.

2 investors

Yearn provides decentralized finance vaults that automate yield farming strategies and generate risk-adjusted returns for cryptocurrency investors. The platform offers composable DeFi infrastructure integrated with multiple blockchain protocols.

2 investors

Yield offers an embeddable SDK that lets apps add a branded, gamified rewards experience where users earn points or cash through receipt scanning, surveys, games, financial offers, and shopping deals. It is aimed at fintech apps, neobanks, banks, gig economy, and mobile gaming partners looking to generate additional revenue and engagement.

2 investors

YieldX (now acquired by FNZ) provided fixed income portfolio management technology for financial institutions, advisors, and their clients.

2 investors

Yoordi is a SaaS platform that enables digital ordering and payment systems for restaurants, cafes, bars, and events in Switzerland. The all-in-one system reduces service staff workload through self-ordering and payment capabilities while improving guest satisfaction.

2 investors

Youpay provides a digital payment and financial management platform for schools in Brazil, handling tuition, event, and cafeteria payments via boleto, Pix, and card with automated reconciliation. It also sends payment reminders to parents via WhatsApp and offers financial BPO and accounting support to reduce default rates.

2 investors

Power is a digital financial wellness platform that provides integrated workplace banking services to workers across Africa, enabling payroll-linked access to cash flow management, savings, affordable credit, and insurance protection. The platform operates through employers, financial institutions, and SACCOs in Kenya, Uganda, Zambia, and Rwanda.

2 investors

Yousend offers cross-border money transfers with multi-currency accounts, aimed at Africans living abroad who send money internationally to family. The service emphasizes fast transfers, no hidden fees, dedicated support, and a rewards program for referrals and transactions.

2 investors

Zaam provides software that automates business onboarding workflows, including data collection forms with real-time verification, identity and entity verification checks, and a dashboard for managing onboarding cases with configurable decision rules.

2 investors

Zage lets users make payments through bank transfers while accumulating rewards for their transactions.

2 investors

Zaprite offers an integrated payment platform that lets businesses accept bitcoin (on-chain and lightning) and fiat payments in a single checkout, with invoicing, payment links, and income accounting tools. It is non-custodial—payments flow directly to the merchant's chosen wallet—and it offers an API and webhooks for custom payment flows.

2 investors