Top Finance Startups in 2026

Global Banking for Africans; Eliminating currency barriers for a truly borderless banking experience. Pay, get paid, and manage finances in multiple currencies.

A team of 3 engineers building future of work for wealth management companies across the globe. Desktop app live for Windows and macOS. Onboarding the first enterprise customers now.

Routin is building a simpler way for people to stay consistent and understand how they live. Most productivity tools focus on doing more. Routin focuses on doing what matters — consistently. We bring tasks, routines, mood tracking, manual health logs, notes, and journaling into one calm, intentional space. The idea for Routin came from personal frustration. After years of tracking tasks, habits, and finances across different tools, consistency always broke down. Not because of motivation, but because the tools were either too complex or too fragmented to return to daily. Routin was designed to remove that friction. It’s built to feel natural to open every morning, easy to update throughout the day, and meaningful to reflect on over time. With features like AI Chat (currently in preview), users can create tasks, routines, notes, and journal entries using natural language, making daily tracking even easier. Our goal is simple: help people turn small daily actions into long-term progress by understanding their patterns and building routines that actually stick.

We’re building MIRA, an AI-powered co-pilot embedded inside mortgage lenders’ LOS/POS platforms that streamlines fragmented, manual workflows like eligibility checks, document review, and loan structuring. Today’s mortgage process remains slow, costly, and frustrating—despite digital front-ends, the backend remains inefficient with over $11K in average loan origination costs. MIRA automates decision-making and support tasks using agentic AI models built on Azure and Google Gemini, helping borrowers self-qualify, aiding loan officers with scenario planning, and improving throughput across processing and underwriting—without replacing core systems. Our plug-and-play orchestration layer helps lenders modernize incrementally while improving borrower experience, sales velocity, and operational efficiency. We’ve deployed with our first enterprise client, have two more implementations underway, and are in discussions with multiple banks and IMBs. MIRA is backed by a veteran mortgage team with 20+ years of experience, combining deep domain expertise with next-gen AI capabilities.