Top Finance Startups in 2026

SoFi is a new kind of finance company taking a radical approach to lending and wealth management. From unprecedented products and tools to faster service and open conversations, we’re all about helping our members get ahead and find success. Whether they’re looking to buy a home, save money on student loans, ascend in their careers, or invest in the future, the SoFi community works to empower our members to accomplish the goals they set and achieve financial greatness as a result.

Zero Hash's mission is to empower innovators by delivering access to the financial system 2.0. Zero Hash enables developers and businesses to focus on building experiences and products. We power your favorite brokerage app or neobank to offer BTC, provide the rails to the 2.0 payment processors, give platforms the ability to facilitate instantaneous cross-border payments, and eliminate complexity for moving assets for the world's largest liquidity providers. Zero Hash provides the complete turnkey solution to allow platforms to launch digital assets and own the client experience without any regulatory overhead and a light technical lift (a matter of API endpoints). Zero Hash's clients include Neo-banks, broker-dealers, and payment groups. Zero Hash is a FinCen-registered Money Service Business as well as a regulated Money Transmitter that can operate in 51 US jurisdictions. Zero Hash is also regulated as a Canadian MSB. Zero Hash was voted Innovator of the Year by the 2019 Profit & Loss Readers Choice Awards.

Zeta (bootstrapped fin-tech startup) is part of the Directi group, a prestigious tech conglomerate with a 19-year-long history and 25 software products in the market. The group has churned out successful mass market businesses like Media.net, Flock, Ringo, Radix, Skenzo, and Codechef, without any external funding. Here’s what we’ve built so far: 1. Zeta Optima: Fully-digitised employee tax-benefits programme that helps employees save over 80K in taxes and helps organizations save up 90% of their time and resources. 2. Zeta Express: A corporate cafeteria solution that makes cafeterias automated and completely cashless 3. Zeta Super Card: An advanced card-based payment solution that is 10x more secure than bank-issued cards 4. Zeta Spotlight: A digitized rewards, recognition and gifting solution that is easy to distribute and easy to spend.

Spark’s mission is to help every senior take control of their healthcare. To achieve this mission, we partner with the local independent agents who enroll millions of seniors into Medicare each year but who’ve historically had little support. We empower our agent partners with world-class software, unify together under the Spark brand, and work alongside agents to deliver their clients a concierge service for navigating Medicare and all their downstream health needs. We publicly launched in March of 2021 and are already one of the fastest growing brokerages in the country. We partner with the most experienced, service-minded, and mission-aligned agents and agencies on the market, and have been rewarded with incredible love and trust from hundreds of agent partners serving tens of thousands of seniors.

Total Expert is a fintech software company that built the first experience platform purpose-built for the modern financial institution. The platform enables sales and marketing teams to leverage data to seamlessly deliver products and services relevant to each customer based on their financial goals. Total Expert focuses on the unique compliance needs of financial services organizations that must integrate industry-specific data and applications to deliver a cohesive experience across the customer lifecycle.

We offer products and services to help companies align the risks and incentives of creating great organizations. Our platform is designed to measure risk more efficiently using the most advanced rating system in the industry, while also proactively mitigating the risks of our insureds. Ultimately, we provide businesses with the framework to be the best versions of themselves.

At Ledgy we believe that entrepreneurship is a main driver of positive change in the world. By democratizing ownership in startups, we not only help startups attract the best talent but also allow employees to become owners and eventually entrepreneurs themselves. We create transparency for all owners of a startup, and bring scalability to important processes for founders such as managing their stockholders, preparing financing rounds, managing investor relations, and granting equity to all their employees. Our customers are the leading scale-ups across Europe, like Frontify, Wefox, VIU, NA-KD, and many more. Since our incorporation in 2017, we’ve been listed every year among the TOP 100 of Swiss startups and are ranked as the #1 ICT startup in Switzerland as well as in the Top 10 Swiss Fintech startups to watch in 2020. Our plans for 2021 include expanding throughout Europe and building on the traction we've built throughout the UK, the Nordics, and beyond. Join us on our mission.

SafetyWing is here to make equal opportunities a global reality. We’re doing this by building a global social safety net, and all our products exist to fulfill this purpose. Think health insurance, income protection and retirement plans that are available to you wherever you’re from, and is with you wherever you go.

Our mission is to increase the success rate of small businesses. Traditional banking has been a growth limiter rather than a growth enabler for business owners, and we’re changing that. Relay is the all-in-one, collaborative money management platform. We’re building for employer SMBs and their finance function, internal and external, and are focused on delivering a human-centric customer experience. Ultimately, we help SMBs be ‘on the money'.

At Levro, our mission is to build the financial backbone for global commerce. We are building financial infrastructure to allow any company to frictionlessly expand to any country. Our first product is a bank account for businesses that will let you hold and spend multiple currencies ($, €, £, ¥, etc.). Opening a bank account abroad as a business can be really hard: it can take up to 6 months in the UK, and you often even need to fly to Canada to open a Canadian bank account! Once accounts are open, banks charge high fees to convert between currencies, and the setup can be complicated to administer. We solve that by having one business bank account that lets you hold and transact in any currency you want. Many businesses currently forgo accepting overseas customers due to administrative challenges - we want to fix that. We're second time founders and experienced operators. Both of our first companies had successful outcomes, and we're backed by top Silicon Valley investors, includi