Fintech Startups

Yotta offers a fraud prevention and user protection platform that detects risky behaviors and cyber threats, alerting users in real time and keeping full traceability of each decision. It is sold to financial services, insurance, retail, and telco companies as an integrable value-added service across mobile apps, browser/email extensions, routers, and remote access environments.

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Younium provides a subscription management and invoicing platform for B2B SaaS and servitized businesses, supporting subscription operations, billing, and expansion on a global scale. Founded in 2017, it operates across four international hubs with a European base and a growing U.S. presence.

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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.

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YourDiamonds.com is a blockchain-based fintech platform that tokenizes and facilitates the trading and financing of diamonds through decentralized finance mechanisms. The platform targets diamond traders, investors, and the jewelry industry by enabling the digitization and liquidity of diamond assets.

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YourStake provides AI-powered software for financial advisors and RIAs, including tools for portfolio analytics, statement extraction, meeting notes, automated proposal generation, and values-based/ESG investing analysis. Its offerings integrate with advisor CRMs and support direct indexing and impact reporting for wealth management practices.

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Inyova is a fully digital impact investing platform offering stock investing, interest-bearing products, and 3a pension planning for retail investors who want returns alongside sustainability goals. Based in Zurich, it is a regulated financial services provider operating in Switzerland and Germany.

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Marmot Benefits provides debt relief as an employee benefit, allowing workers to access retirement savings when facing personal debt burdens. The service supports financial wellness and retirement readiness across workplace savings plans.

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Yuki provides online accounting and administration software that automates bookkeeping and financial administration, aimed at accountants and businesses. The platform serves the Netherlands and Belgium.

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Yukka uses AI to transform unstructured global news data into structured, real-time intelligence for financial decision-makers to track trends, assess risks, and anticipate market shifts. The platform serves companies in financial markets seeking to stay ahead of emerging risks and opportunities.

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Z-Trip (在途商旅) offers an end-to-end corporate travel management platform for enterprises, covering flights, hotels, train tickets, car service, visas, insurance, and MICE, with negotiated fares and a self-developed booking and expense-control system. It integrates with company OA and accounting systems and provides features such as credit-based monthly settlement, corporate advance payment, unified invoicing, and visual travel management reports, targeting businesses in China.

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ZA is a financial services brand established in 2019 by ZhongAn Technology (International) Group that offers digital banking, insurance, lending, investments, and card services to consumers in Hong Kong. The company operates ZA Bank, a virtual bank offering deposits, loans, transfers, and payments, alongside ZA Insure (digital insurance) and ZA One (investment platform).

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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.

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Zact provides expense and payment management software that lets organizations define and enforce spending rules while reconciling with their financial systems. It serves finance and accounting teams alongside spending employees across a company.

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Zafin provides a cloud-based SaaS platform and AI-powered solutions for financial institutions to modernize critical operations, governance, and analytics. The company serves regulated institutions globally with tools for product pricing, digital transformation, and agentic workflow orchestration.

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Zaggle provides spend management software for businesses of all sizes, automating payments, expenses, and rewards. It issues prepaid and business credit cards and offers fintech workflow tools, focused on the Indian market.

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Zamp provides a sales tax compliance platform combined with a managed service of tax professionals that handles registrations, filings, notices, and support for businesses. It targets growing small-to-mid-size digital businesses such as e-commerce, SaaS, and digital services companies, offering rooftop-level tax calculations and global coverage.

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Zapay is a digital platform that allows vehicle owners in Brazil to consult, pay, and installment vehicle debts (IPVA, licensing, traffic fines) by license plate, with payment options including credit card installments up to 12 months and PIX.

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Zapflow provides a secure portal and reporting platform for venture capital fund managers to centralize LP communications, automate investment performance reporting, and manage investor relations. The platform serves general partners in alternative investments seeking to streamline LP management through customizable reporting and real-time data sharing.

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Zappyrent is an online platform for medium- to long-term rentals that manages the full leasing process, including listings, contracts, deposits, and monthly rent payments. It serves both landlords and tenants.

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Zarna provides AI solutions to automate workflows in private capital markets and investment banking. The company targets private equity firms and investment teams to increase operational efficiency.

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Zarv provides a risk intelligence platform that combines behavioral signals with identity, financial, and vehicle data to help companies make faster fraud and credit decisions. The platform serves financial institutions, insurers, and other enterprises that need real-time risk assessment beyond traditional credit bureau snapshots.

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Zaver builds flexible payment solutions for online and in-store transactions, including installment payments for high-value baskets up to €200,000, using AI and machine learning for risk analysis, KYC verification, and AML compliance. It serves businesses across various verticals, partnering with brands like Trek, Porsche, and Volkswagen, and has operated since launching in Sweden in 2019.

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Zayn Network, headquartered in Singapore, is building a modular Layer 2 zero-knowledge sovereign rollup that links Bitcoin and Ethereum infrastructure. The project targets tokenization of real-world assets in the MENAP region and Southeast Asia, and its investors include 500 Global and Cur8 Capital.

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