Top Finance Startups in 2026

Metal does machine learning embeddings as a service. Embeddings are what AI models use to represent meaning. They capture the relationship between concepts, and they’re at the heart of every generative AI application, like ChatGPT and DALL-E. As the data format of machine learning, embeddings are critical to every AI application. But there are no existing tools that help developers use them. Metal is a fully managed service for developers to build applications with embeddings. We handle all of the infrastructure, provide out of the box operations, and simple APIs.

Gifting today is broken—generic gift cards dominate, but they’re impersonal, clunky, and outdated. At On Me, we’re building a better way. Our platform lets anyone send beautifully personalized digital gifts—complete with photos, videos, and heartfelt messages—redeemable across top brands and instantly accessible via mobile wallet. Whether it’s for runners, gamers, foodies, or fashion lovers, On Me makes gifting feel joyful, meaningful, and modern. We’re a team of former Google and Apple builders backed by $2.3M from top-tier investors like Lerer Hippeau, Focal.VC, and Mastercard. Since launching in November, we’ve been featured in Fortune, Axios, and The Wall Street Journal, and we’re growing fast—with users who send more, spend more, and keep coming back. If you’re excited to help reshape a $305B industry and build a product people love to share, we’d love to meet you.

Rowan helps buyers and sellers write their next chapter through small business succession. We guide owners through selling with clarity and care, pairing human expertise with modern tools to make transitions simple, personal, and successful.

Maroon is a hybrid cryptocurrency exchange that combines a centralised order book with hybrid deposit wallets for which the user always retains a key. Through a smooth UX that enables and encouraging self-custody, we turn the “Don’t be evil” ethos into a “Can’t be evil” reality.

Promethist is a deep-tech company building the next generation of enterprise conversational AI. We combine conversational AI with psychological and behavioral expertise to create Relational agents that enterprises deploy in production, at scale, to enhance performance, and engagement across customer service, HR, employee care, education, and beyond. Our technology is live inside large enterprises, including a leading European bank scaling a deployment from hundreds to thousands of seats. We care about human-centric design, real outcomes, and being a voice worth listening to in the AI conversation, not another vendor adding to the hype.