Fintech Startups

smava operates an online loan comparison platform in Germany that matches consumers with credit offers from over 20 partner banks for personal loans, car financing, debt consolidation, and mortgages. As an independent financial intermediary based in Berlin, it lets users make non-binding, SCHUFA-neutral loan inquiries and earns commissions from banks rather than lending money itself.

4 investors

Smile ID provides AI-based identity verification using biometrics, device and network intelligence, and document verification against government databases. It serves banks, BNPL providers, and other businesses onboarding users in African markets such as Nigeria and South Africa.

4 investors

Snapmint operates an online shopping platform where customers can buy consumer products such as irons and garment steamers and pay in monthly installments through 0% EMI options. It serves retail shoppers in India across appliance and other consumer categories.

4 investors

Solflare is a self-custodial crypto wallet for the Solana blockchain, letting users hold and control their own digital assets with a focus on security. Founded in 2020, it was the first Solana wallet and serves web3 users in the DeFi space.

4 investors

Solo is a mobile app for gig workers that consolidates income and mileage tracking, expense logging, and scheduling across multiple platforms like Uber, DoorDash, and Instacart. It offers pay predictions with a pay guarantee, city-level market insights, and integrated tax filing for freelance and gig earners.

4 investors

Solvento provides instant payment solutions for transporters through a platform called QuickPay, allowing companies to pay logistics providers immediately while preserving working capital through deferred settlement. The service targets freight and transportation companies in Mexico.

4 investors

Sonect provides digital cash and embedded payment infrastructure that connects electronic money accounts, mobile apps and physical retail locations, enabling cash-out/cash-in, business accounts, merchant wallets and white-label/open banking services. Its customers include consumers, merchants, banks and payment providers, with services currently available in Italy and planned expansion to other European markets.</parameter> <parameter name="founders">[]

4 investors

Sophon is a crypto project transitioning its SOPH token from a chain-based gas and staking model to a buyback-and-burn programme funded by product revenue. Its upcoming neobank, Pyre, generates revenue through card interchange fees, vault performance fees, and reserve yield on its PYRUSD stablecoin, with a portion of profits used to buy back and burn SOPH.

4 investors

Soraban provides AI-powered software to automate tax preparation workflows for accounting firms, eliminating manual document chasing and administrative bottlenecks during tax season. The platform helps accountants and their support staff reduce manual effort and process work more efficiently.

4 investors

SORABITO develops cloud and paperless software for the construction and construction-equipment rental industries, including online rental ordering, inspection digitization, order management, and industry-specific payment cards. The company, based in Japan, also offers a business analytics service and a voice AI agent for these sectors.

4 investors

Spektr provides a compliance automation platform that handles onboarding, monitoring, and ongoing verification tasks for financial institutions and banks. The platform consolidates multiple compliance workflows into a single system to reduce manual work.

4 investors

Spinwheel provides an API platform delivering real-time consumer credit data and embedded payments for lenders, personal finance managers, and debt management platforms. The platform enables consumer verification with minimal data input and supports the full consumer credit lifecycle from acquisition to repayment.

4 investors

SplitPay provides payment infrastructure that allows renters to split rent and other recurring expenses into smaller installments. The platform uses real-time cash flow analysis rather than traditional credit scores to approve payments for consumers living paycheck to paycheck.

4 investors

Splits provides permissionless financial infrastructure including subaccounts, treasury management, accounting, and payment processing built on cryptographically restricted, self-custodied accounts that require no paperwork or company formation. The platform serves individuals, agents, and institutions with APIs, CLIs, and UI tools for crypto payments, stablecoin conversions, payroll, and smart contract operations.

4 investors

Splitwise is a mobile app for tracking and splitting shared expenses and balances among housemates, trip groups, friends, and family. It includes features such as expense logging, settling up via cash or online payments, receipt scanning, currency conversion, and charts.

4 investors

Sprout.ai provides AI-powered software to insurance companies for intelligent decision-making, helping them reduce costs, improve customer experience, and support growth. The company serves insurers globally with solutions spanning multiple insurance products.

4 investors

Staking Rewards operates an independent rating platform that grades staking infrastructure providers and DeFi yield protocols on a single AAA-to-D scale focused on downside risk. It serves institutional allocators, staking providers, and platforms, covering 90+ verified providers across 120+ crypto assets.

4 investors

Stampli offers an accounts payable automation platform that centralizes invoice capture, coding, PO matching, approvals, and communication in an ERP-aligned system with a complete audit trail. It uses embedded AI to code, match, and route invoices for centralized, decentralized, and hybrid finance teams.

4 investors

Starling Bank is a UK digital bank offering personal, joint, business, and under-16s current accounts along with savings products such as Fixed Saver, Easy Saver, and a Flexible Cash ISA. It provides mobile app tools for budgeting, saving, and fraud protection, with 24/7 UK customer support and AI-powered security features.

4 investors

StartEngine is a crowdfunding platform that enables both accredited and non-accredited investors to invest in early-stage startups and collectibles through Regulation A+ and Regulation Crowdfunding offerings. The platform also provides a secondary trading marketplace for eligible securities.

4 investors

Stashfin provides instant personal loans to individuals in India, offering credit with flexible repayment tenures up to 42 months and minimal paperwork. It operates as a consumer lending platform covering emergency, personal, and major-purchase financing needs.

4 investors

Stears provides financial databases and market intelligence for institutional investors focused on African investments. The platform offers comprehensive data and insights for global funds seeking to invest across Africa.

4 investors

Stream provides financial wellbeing benefits and workplace finance platforms for employees and employers, helping workers gain control over their financial health through behavioral science-based products. The company serves employers seeking to create more engaged, productive teams while improving financial security for their workforces.

4 investors

Striga provides regulated APIs for digital asset custody, trading, banking, and card issuing across 30+ countries, serving fintech platforms, neobanks, and payment service providers that want to offer crypto and fiat services without holding their own licenses.

4 investors