Fintech Startups

Spearfish develops EverFend, software that detects the manipulation patterns behind authorized fraud — such as elder financial exploitation — before a transfer is requested, giving families early warnings and financial institutions real-time risk data from client conversations. It serves financial institutions and families affected by scam-based authorized fraud.

1 investor

Spear's is a wealth management and luxury lifestyle media brand serving ultra-high-net-worth individuals, financial advisors, and family offices through print, digital, events, and research-based products. The publication reaches over 30,000 affluent decision-makers and wealth-creators across Europe.

1 investor

Spectiv Labs builds digital coupon management tools including Gitsy, a mobile wallet for storing and redeeming coupons, and CouponLink, a decentralized identity standard for secure coupon issuance and fraud prevention.

1 investor

Spectra is a permissionless, on-chain protocol for yield tokenization that splits yield-bearing assets into tradable principal and yield tokens, letting users access fixed-rate yield, trade interest rates, or earn on liquidity. It integrates with lending markets, liquid staking, and stablecoin issuers across multiple networks, with curator-managed vault strategies.

1 investor

SpectrAxe operates an exchange-style trading platform for OTC foreign exchange and precious metals, offering a central limit order book and a decoupled credit framework that lets institutional counterparties trade all-to-all without existing bilateral credit relationships. It serves institutional market participants such as banks, non-bank market makers, and firms managing positions across multiple prime brokers, and is a CFTC-registered Swap Execution Facility.

1 investor

Speedle provides flexible personal cash loans with adjustable repayment terms, applied for online, targeting people new to their financial journey or underserved by traditional banks. It serves Australian residents over 18 with a regular income and charges no overdue account or early repayment fees.

1 investor

SPEEQO is a scoped consultancy that combines qualitative evidence review, product judgment, and engineering assistance to help teams investigate a specific decision and carry it through to a reviewed code change and outcome evaluation. It works alongside Tonelingo, a local research and delivery workspace that links source versions, research methods, decisions, task revisions, approvals, and implementation records.

1 investor

SpendTheBits develops StableNet, an infrastructure platform that enables institutions to use stablecoins for compliant cross-border payments and digital asset transactions. The company targets financial institutions and serves as a regulatory-compliant intermediary for institutional stablecoin payments globally.

1 investor

SpendAble provides a secure payment system and debit card designed for people with disabilities and elderly individuals to manage their finances independently. The platform allows caregivers and care managers to access funds and monitor spending while protecting account holders from financial abuse and fraud.

1 investor

Spendbase builds a multi-product fintech platform that helps companies control and optimize their spending and operations. It operates as a global, product-driven company.

1 investor

SpenDebt is a financial technology company that helps consumers pay down debt through automatic micropayments, adding a pre-defined amount to each transaction that is applied monthly to the user's debt account. It targets people repaying student loans, auto loans, credit cards, and other consumer debt.

1 investor

Spendee is a personal finance mobile app that lets users track cash expenses, bank accounts, e-wallets, and crypto wallets in one place, categorize spending, set budgets, and receive bill reminders. It offers shared wallets for couples, families, and roommates and multi-currency support aimed at travellers and digital nomads.

1 investor

Spendkey is a commercial control platform that helps organisations find savings opportunities, audit supplier billing, recover lost margin, and validate commercial commitments against live cost indices before contracts are signed. It serves finance, procurement, and commercial teams by connecting spend, contracts, supplier, and market data into a single system.

1 investor

Spendly connects to a company's ERP, accounting, AP, and vendor systems (or ingests uploaded invoices) and uses AI to audit invoice line items against contracts, historical billing, and market benchmarks to find billing errors, overcharges, and cost-reduction opportunities. It targets mid-market and enterprise finance teams, helping them recover recurring spend and verify savings on future invoices.

1 investor

SpendMend provides cost-cycle management solutions to hospitals and health systems, helping them identify and recover financial savings while improving operational visibility. The company serves over 150 major U.S. health systems spanning 4,000+ locations.

1 investor

Sphere is an all-in-one trading platform that aggregates live oil prices from voice and chat channels, enabling brokers and traders to execute trades directly on-screen.

1 investor

Spheres offers hybrid private markets investment strategies across venture capital and private equity, combined with AI-enabled digital family office services for portfolio administration. It serves private wealth clients, targeting under-allocated market segments and multi-strategy exposure.

1 investor

Silicon Prairie operates an investment crowdfunding platform that allows companies to raise capital by choosing their own security types and offering terms to both accredited and ordinary investors. The platform specializes in facilitating compliant capital raises across different offering exemptions for startups and small businesses.

1 investor

SPICE deploys collateral to curated private credit books using on-chain infrastructure, mirroring real-world collateral to give depositors verifiable guarantees. It provides a data layer for transparent, queryable risk profiles and automatically matches LPs with borrowers based on risk, serving investors and autonomous agents in private credit markets.

1 investor

Spiking offers trading education and investment strategy training focused on insider trading principles for individual traders seeking to build wealth. The company provides frameworks and foundational strategies to help new traders develop investment approaches aligned with institutional market players.

1 investor

Spin Analytics is a FinTech firm that provides an AI-based platform for credit risk management, targeting Tier 1 and digital banks to accelerate the development, validation, and deployment of regulatory credit risk models.

1 investor

Spixii provides a platform that converts regulated business processes into conversational, self-service chatbot workflows for high-value customer queries. The platform targets regulated industries like insurance and financial services, ensuring compliance, auditability, and consistent outcomes through structured expert systems rather than black-box AI.

1 investor

Splint Invest operates a platform that provides access to luxury asset investments, including whisky casks and other high-value opportunities, to individual investors. The platform democratizes alternative investments that were previously available only to wealthy or institutional investors.

1 investor

Splits provides permissionless, self-custodied financial infrastructure built on open-source smart contracts, offering subaccounts, treasury management, accounting, payroll, bank transfers, invoicing, and automations. It supports fiat, stablecoin, and crypto payments and exposes an API, CLI, and MCP server so both people and AI agents can operate accounts under cryptographic access rules.

1 investor