Top Finance Startups in 2026

PayJoy's mission is to deliver access to credit to the next billion people in emerging markets worldwide. Our unique mobile security technology creates collateral that enables customers to afford their first smartphone on credit and then allows them further access to credit to help weather life's unexpected financial surprises and climb the ladder of economic well-being. Founded in 2015, today PayJoy has reached hundreds of thousands of customers in a dozen countries around the globe, from Mexico to Indonesia, India, Kenya, and Nigeria, and is on a strong growth path with support from major industry partners to bring credit to millions in 2019.

Gemini is a digital asset exchange and custodian that allows customers to buy, sell, and store digital assets such as bitcoin, bitcoin cash, ether, zcash, and litecoin. Gemini is a New York trust company that is subject to the capital reserve requirements, cybersecurity requirements, and banking compliance standards set forth by the New York Department of Financial Services and the New York Banking Law. Gemini was founded in 2014, by brothers Cameron and Tyler Winklevoss. In December of 2018, Gemini extended its trusted platform launching its mobile app making trading easy for customers on the go. In September of 2018, Gemini launched the world’s first regulated stablecoin, the Gemini dollar, that combines the creditworthiness and price stability of the U.S. dollar with blockchain technology and the oversight of U.S. regulators. Gemini, in partnership with the Cboe Futures Exchange, LLC, launched the first-ever bitcoin futures contract in December of 2017.

Ascend is revolutionizing the financial operations of the insurance industry. Insurance accounts for a staggering 7.2% of global GDP but more than 40% of payments still reliant on paper checks. We automate the financial tasks associated with selling and buying insurance from end-to-end — from online customer payments, premium financing, to the distribution of commissions and carrier payables. We help digital distributors sell more insurance by simplifying operations, reducing payment friction and delivering the modern checkout experience customers expect. 

Our mission is to help consumers improve their credit health and ultimately create better opportunities for themselves and their families. Strong credit health is vital to financial health and impacts everything from securing approvals for car and home loans to determining insurance rates. Our approach to personal credit management democratizes access to credit information and empowers consumers with a personal roadmap towards credit and financial health. Credit Sesame has already helped millions of users improve their credit scores, increase their approval odds, lower the cost of credit, and save money. We are funded by leading venture capital firms and strategic investors, including Menlo Ventures, Inventus Capital, Globespan Capital, IA Capital Groups, Symantec, Capital One Ventures, and Stanford University, among others.

Founded by ex-Googlers, we are the first artificial intelligence lending platform designed to improve access to affordable credit while reducing the risk and costs of lending for our bank partners. By leveraging our AI platform, the company's powered banks can have higher approval rates and lower loss rates, while simultaneously delivering the exceptional digital-first lending experience their customers demand. Our company goes beyond FICO, using non-conventional variables at scale to provide superior loan performance and improve consumers' access to credit.

- The first commission-free, high-frequency sports betting exchange, building the "Nasdaq of sports betting" - Recently closed a $6m seed round from YC, Lux, Soma, Paul Graham, Joe Montana, Innospark, the founders of Dropbox and Instacart, among many others - Looking for quant traders and researchers, SWEs, marketing, BD, operations, and product roles to work out of our NY office - Salaries at the top of benchmarks, with significant equity ownership and generous benefits - Founders are recent Harvard grads with quant experience at Jane Street and BoA and years of experience as sharp sports bettors - $300B annually bet on sports in the US and the size of the market is rapidly growing given the number of states legalizing sports betting - Currently the only way to bet is with retail sportsbooks which have egregious margins, discriminatory and inefficient practices, and a stale betting experience - Novig is a sports betting exchange that guarantees users the best lines by allowing them to bet directly against friends or the market, rather than against the house, making the betting experience more efficient, fair, and, most importantly, profitable

At August Home, we believe securing the home isn't just about keeping unwanted visitors out. It’s about letting the right people in – at the right times. August is part of ASSA ABLOY, a global leader in access solutions. Together with our sister brand Yale Home, we make up the Smart Residential team at ASSA ABLOY. Our global teams work together to create products and services that add everyday simplicity and convenience to our users’ lives by letting them control access to their front door, while providing peace of mind through visibility into who is coming and going. The August and Yale Access apps support locks around the world, and we’re constantly adding global integrations to our platform. We collaborate with industry leaders to seamlessly fit our locks into the smart home, making it possible for our users to come home to find a clean house, the dog walked, and those pesky repairs taken care of. What sets us apart from others? Our small but talented team takes ownership of everything we do, from start to finish. We are driven by a collective passion to create innovative products and services that make people’s lives easier and safer.

Insurify is a comprehensive insurance comparison platform that allows users to instantly search, compare, and buy insurance online. Our goal is to transform the user experience for insurance shoppers, from quotes comparison to online bind. We're building a personalized experience, helping consumers make the right decision for their coverage, and saving them up to hundreds each year on their insurance premiums. Our team members and advisors are leaders from KAYAK and TripAdvisor and thought leaders from the insurance industry. Browse. Compare. Discover.

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.

BitGo provides the most secure and scalable wallet solutions for the digital asset economy, offering regulated custody, staking and trading, and core infrastructure to investors and builders alike. Founded in 2013, BitGo pioneered the multi-signature wallet and is the first digital asset company to focus exclusively on serving institutional clients. In 2018, it launched BitGo Trust Company, the first qualified custodian purpose-built for storing digital assets and established BitGo New York Trust in 2021. In 2022, BitGo launched institutional-grade DeFi, NFT and web3 services. BitGo secures approximately 20% of all on-chain Bitcoin transactions by value and supports more than 700 digital assets within its platform. BitGo provides the security and operational backbone for more than 1500 institutional clients in 50 countries, including many regulated entities and the world’s top cryptocurrency exchanges and platforms. For more information, please visit bitgo.com