Top Finance Technology Startups in 2026

We started by providing smart, simple investing, without the high fees and account minimums associated with traditional investment management. We invest your money in a globally diversified portfolio of low-cost index funds, and our cutting-edge technology helps you earn the best possible return, while optimizing your tax bill. This means we do things like automatic rebalancing, dividend reinvesting, and tax loss harvesting — services that were only available to the ultra rich until now or that most people found too time-consuming and tedious to do on their own. Investing is just one part of your financial picture. So, we've introduced more ways to reach your goals and manage your money. High interest savings. Commission-free trading. And features — like automatically investing your spare change — that make it easier to save for your future. That's because we believe that everyone should have access to the tools they need to make smart financial choices.

Cher® is revolutionizing real estate by empowering Realtors and homebuyers through innovation, education, and cutting-edge tools. As the first-to-market leader in co-ownership and gamified homebuyer education, we’re transforming the industry with engaging platforms that reward Realtors and homebuyers for progress and achievement. For Realtors, Cher® offers warm leads, personalized marketing resources, and opportunities to grow their business while earning rewards through our unique gamification system. For homebuyers, we simplify the path to homeownership with tailored courses, expert guidance, and co-ownership solutions, making real estate more accessible and exciting. At Cher®, we blend technology, education, and collaboration to create opportunities for success, rewarding milestones along the way. Join us in transforming the real estate experience for Realtors, homebuyers, and communities alike.

Mode Mobile is the creator of EarnOS, a transformational software that turns ordinary smartphones into "EarnPhones." This innovation empowers users globally to monetize everyday mobile activities such as streaming, gaming, shopping, etc. We enable users to profit from their data and attention rather than letting only tech giants benefit. Our inclusive approach sets us apart - converting users into earners and facilitating over $150M in earnings and savings while going a step further and turning earners into owners by awarding stock ownership in Mobile Mobile based on their usage. We have attracted over 40 million users across 170 countries. ​​Mode Mobile is proud to stand as the #1 Fastest-Growing North American Software Company recognized in Deloitte's 2023 Technology Fast 500 and ranked #2 across all sectors (Deloitte Fast 500 Winners). For additional insights, check out the information about our reward-based super app, Mode Earn App, which also powers the reward engine behind our proprietary smartphone, Mode Earn Phone.

At the intersection of banking and technology, Cross River is on a mission to build the infrastructure that propels access, inclusion and the democratization of financial services. Our company enables our clients to deliver responsible financial solutions that empower consumers anytime, everywhere. We are backed by Andreessen Horowitz, Battery Ventures, Ribbit Capital; our partners include companies such as Affirm, Stripe, Coinbase, and many others. At a quick glance, we were founded in 2008, have over 800 employees, and 80+ partnerships and have originated over $93 Billion in loans. We specialize in Marketplace Lending, Payments, and our Compliance framework. Our approach focuses on: -Compliance, our regulatory and compliance standards are strategic assets, at the heart of everything we do. -Technology, through constant innovation, we provide streamlined solutions that make our clients' vision come to life -Leadership, we put our trusted experience to work on behalf of our clients, so they can lead the industry forward. As an innovative company we are also brining Crypto to the next 1B users by offering, Crypto backed lending, fiat on/off ramps, and Custody buy, sell and hold. Cross River offers amongst the best benefits in the industry: Family Medical Plans with minimal outlay to the employee, generous time off, matching 401K, pre-IPO equity, flexible and hybrid work culture, a shuttle from Manhattan to the office, and many more perks and amenities.

We eliminate tens of thousands in upfront data expenses, while giving you the instant flexibility to pick up real-time full exchange feeds or terabytes of historical data when you need it. Whether you're a Fortune 500 bank or a single-person startup, we scale with your budget and needs to deliver the same cutting edge performance and data integrity. For more info, visit databento.com

dv01 is lifting the curtain on the largest financial market in the world: structured finance. The $16+ trillion market is the backbone of everyday activities that empower financial freedom, from consolidating credit card debt and refinancing student loans, to buying a home and starting a small business. dv01’s data analytics platform brings unparalleled transparency into investment performance and risk for lenders and Wall Street investors in structured products. As a data-first company, we wrangle critical loan data and build modern analytical tools that enable strategic decision-making for responsible lending. In a nutshell, we're helping prevent a repeat of the 2008 global financial crisis by offering the data and tools required to make smarter, data-driven decisions resulting in a safer world for all of us. More than 400 of the largest financial institutions use dv01 for our coverage of over 75 million loans spanning mortgages, personal loans, auto, buy-now-pay-later programs, small business, and student loans. dv01 continues to expand coverage of new markets, adding loans monthly, and developing new technologies for the structured products universe. To get a better idea of what a year at dv01 looks like, check out our 2020 Year in Review page here: dv01.co/year-in-review/2020 If that looks like fun to you, get in touch because we'd love to hear from you.

Ethos is a technology company that makes getting life insurance easier, faster, and better for everyone. We leverage deep technology and data science in our mission to protect the next million families by streamlining the life insurance process so it's more accessible and convenient. We’ve issued billions in coverage each month and eliminated the traditional barriers, ushering the industry into the modern age. This full-stack technology platform is the backbone of family financial health. Ethos has raised over $400 million from Sequoia Capital, SoftBank Vision Fund 2, Accel, and Google Ventures (GV). We are listed in Forbes’ Top 50 Fintechs of 2020, and as one of Built In's "Best Places to Work" of 2022. Come join us on our mission to protect the next million families.

Incode Technologies is an omnichannel biometric identity company that builds secure, top-rated solutions for frictionless banking, hospitality, and retail experiences. Incode sets a new standard in convenience and security in order to enhance customer experiences and build a global database of identities using the world’s fastest edge-facial recognition technology as recognized by the United States Department of Commerce’s National Institute of Standards and Technology (NIST). Incode’s anti-spoofing technology, LiveBeam, doesn’t require any user interaction and is the first passive facial liveness system in the world to achieve Level-1 certification for NIST iBeta Presentation Attack Detection (PAD) testing. The company’s web and mobile solutions are adopted globally for a variety of applications, including onboarding, identity & ID verification, and transactions by some of the world’s largest financial institutions, governments, and retailers. Founded in 2015 by a passionate serial-entrepreneur and a group of hard-working individuals, we seek out people from diverse backgrounds and encourage them to take risks and approach new challenges unconventionally. We believe brilliant minds have the power to do great things! We’re a fun-loving, goal-crushing team who are immensely proud to be part of a common goal: to map the identity of humankind. Headquartered in San Francisco, the company operates globally with additional offices in Latin America and Europe.

We are a marketplace where users can compare personalized, prequalified rates and quotes from multiple lenders and carriers, for student loans, mortgages, personal loans and insurance. We’re challenging the status quo by giving power to the consumer. We believe in a world where ‘ethical’, ‘lending’, and ‘insurance’ can coexist, so we set out to build innovative platforms that actually work for customers. Our mission is to help people find the best loan or insurance policy possible. We believe researching and buying loans or insurance shouldn’t be confusing or complex, so we’ve focused on simplicity. We’ve created the only unbiased loan and insurance buying process out there, which makes finding options straightforward and clear. Insurance-related services are provided through Young Alfred Inc. (CA: Young Alfred Insurance Agency, Lic. # 0M90597). All loan and mortgage-related services are provided through Credible Operations, Inc., NMLS # 1681276. nmlsconsumeraccess.org. Not available in all states.

Wunder is a Modern Energy Company. We help businesses, municipalities, and schools save money by delivering clean on-site power. We convert simple warehouses into electrified industrial platforms built for the future. We enable the nation’s leading commercial and industrial real estate firms to capture the benefits of solar across their properties. We align ESG goals with revenue targets. We deploy renewable energy assets today that will power America’s tomorrow. We open new markets, we launch new partnerships, and we build new solar and energy storage projects every day. Join us at wundercapital.com/careers