Top Banking Startups in 2027

Ripple is the leading provider of crypto solutions for businesses. Founded in 2012, our vision is to enable a world where value moves as seamlessly as information flows today—an Internet of Value. As a leading enterprise blockchain company with products in commercial use by hundreds of customers across 50+ countries, our unique crypto solutions are faster, more transparent, and more cost effective than traditional financial services – solving inefficiencies that have long defined the status quo.

We are a leading U.S. financial technology platform serving the needs of Americans who are working to create a better future for themselves. Our mission is to enable members to change their lives by creating better financial outcomes. Leveraging the best technology, we deliver inspirational and motivational products as we all move forward in a world of increasing digitization and complexity. To learn more about us, visit current.com or download our app on the App Store or Google Play. Current is backed by investments from Andreessen Horowitz, Tiger Global Management, TQ Ventures, Avenir, Sapphire Ventures, Foundation Capital, Wellington Management, QED Investors and EXPA.

We're developing modern products, tools, and services designed for freelancers.

We empower students with financial support and supercharge their ability to pay down their debt, so they can get on the right financial track, fast. We build tools that help people feel in control of their financial future. Private student loans – low rates, people-first service, and flexible payments. Student loan refinancing – break free from high interest rates or monthly payments. Scholarships – access to thousands of scholarships to help students pay less. We're a fast-growing company, and that means we're constantly integrating the new perspectives of every individual. Looking for an impactful job with purpose? Visit our careers page to see our available opportunities! earnest.com/careers

Rank (formerly Moni) is the money app for communities—built on trust, powered by people, and designed to make financial services truly accessible and affordable for all.

At Possible, we believe financial health is something everyone deserves. It’s our mission to help communities break the debt cycle and unlock economic mobility for generations to come. We’re unwavering in our commitment to this mission, and love building products and services that prove changing the industry for the better is, in fact, Possible.

Mercury is the fintech ambitious companies use for banking* and all their financial workflows. With a powerful bank account at the center of their operations, companies can make better financial decisions and ensure that every dollar spent aligns with company priorities. That's why over 200K startups choose Mercury to confidently run all their financial operations with the precision, control, and focus they need to operate at their best. To learn more, visit Mercury.com. *Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

We're on a mission to empower hard-working Americans to achieve greater financial resilience; arming them with the products and support they need to create healthy financial habits. Through our mobile app, we offer customers premium bank accounts that have no minimum balance requirement or monthly account fees, high-interest savings accounts, and solutions to build, repair, and access credit. Our state-of-the-art technology provides tech-first features to help people achieve their financial goals and manage their money more easily. Varo is distinct from other fintechs: We've made history as the first and only consumer fintech to be granted a national bank charter by the Office of the Comptroller of the Currency (OCC). Our unique team combines the best of tech and banking, and we’re wildly passionate about keeping our customers happy by helping them manage and grow their money. Our teams are based in San Francisco and Salt Lake City. Privately held, we've raised over $419M to date, from leading institutional investors and strategic partners including Warburg Pincus, The Rise Fund / TPG Growth, Gallatin Point Capital, Harbourvest Partners, and Progressive Insurance.

We’re Mitek, a NASDAQ-listed global leader in mobile capture and digital identity verification solutions built on the latest advancements in AI and machine learning. Our Mobile Verify and Mobile Deposit products power and protect millions of identity evaluations and mobile deposits every day, around the world.

Our groundbreaking spin on service and technology has fueled our mission to be America’s Small Business Bank. Our products help customers buy, build, and expand their business, and our high-yield savings and CD products help them grow their hard-earned money. At Live Oak, we never lose sight of the well-being of our people. We believe our employees are the heart of our company. Our commitment to our customers and culture is intertwined, and we seek those who embody and embrace what it takes to empower the American dream.