Top Fin Tech Startups in 2026

We are building an API for payroll systems to make it easy to verify your income and employment. Verifications currently are either very expensive or very slow (it can take multiple days). With our API, a verification can be done within a few seconds, which will make it easier and cheaper to apply for a loan, to rent an apartment, or verify your previous employment when you switch jobs. We are also building an admin product that allows companies to connect their products to the payroll systems of other companies and enables our customers to build new products they wouldn't have been able to build before.

Users can go from peso to dollar USDc (and back) in seconds, save in USDc earning 3% annually, send and receive payments in the United States without the hassle and pay with an international Mastercard at the best rates with up to 4% cashback. In other words, we merge the beautiful user experience of the best FinTechs in the world - like Revolut or Nubank - with an extremely efficient backend powered by Crypto - without the complexity or jargon. Backed by YCombinator and Kaszek Ventures.

With liquidity solutions, exclusive data and insights and a vibrant marketplace, we are powering a global private market that is transparent, accessible and seamless for companies, their employees, investors and institutions. Forge is backed by top Silicon Valley investors and large, global institutions including Deutsche Börse, Temasek, Wells Fargo, BNP Paribas, FT Partners, Draper Associates, Peter Thiel, Munich Re Ventures and LUN Partners Group.

At January, we bring humanity to consumer finance. Using data intelligence, we create trust and deliver better outcomes for consumers and creditors alike. Our mission is simple: expand access to credit while empowering consumers to achieve lasting stability and control of their financial lives. We began by building the foundation for creditors to engage with and support their borrowers at scale across the entire debt lifecycle. We’ve mastered outsourced collections by combining best-in-class performance with differentiated consumer satisfaction and superior compliance.  And we’re just getting started. Together, we’re creating a financial system where trust and opportunity spark lasting change in people’s lives.

Hummingbird is a platform for managing anti-money laundering (AML) operations. Compliance professionals use Hummingbird to collect case information, conduct investigations, and report on unusual or suspicious behaviors. The platform dramatically reduces paperwork and improves efficiency, enabling AML investigators to refocus on fighting financial crime. Hummingbird’s founding team brings together product and regulatory experience from organizations like Square, IDEO, the Department of the Treasury, and the OCC. Hummingbird is using data and design to modernize regulatory compliance in finance.

Sparkfund is an energy technology subscription company based in Washington, D.C. We give customers access to essential building energy functions and outcomes — like cold air, light and resilience to storm events — without the constraints of ownership, enabling them to do more energy projects, faster, and with fewer resources. We strive to create positive change by deploying solutions that are good for business and good for the planet. And we’re building a diverse and collaborative culture to help us achieve all of that.

Stronghold creates virtual payment networks that enable instant settlement and interoperability between legacy and new payment networks. Check us out! youtube.com/@Strongholdpay/featured

Voted #1 "Best Places to Work" by the Phoenix Business Journal, Achieve is a leader in the digital personal finance industry built to help everyday people thrive. From the single parent trying to catch up on bills to the entrepreneur trying to make their dreams a reality, we provide innovative, personalized financial solutions to move them towards a better financial future. By focusing on each individual to understand what’s working for them and what’s not, we tailor an approach to meet their specific needs and goals. Then we add in our data and intelligence, our innovative technology, our unique solutions, and an empathetic human touch to help our members move their finances forward. We put our members first and treat them like humans, not account numbers. Our people make the biggest difference. With more than 2,500 teammates between California, Arizona, Florida, and Texas, everyone collaborates together to make an impact towards our mission; to empower everyday people to move forward on a path to a better financial future. We’re committed to fostering an environment where everyone can belong, while giving their true authentic selves a place to shine. Whether you’re in sales, member support, engineering, product design, IT or any of our other exciting roles, you’ll join a team passionate about serving our members and embracing our core values every day: Care (For everyone) Get Better (Every day) Act With Integrity (Every time) Collaborate (With everyone)

Arkose Labs is a fast-growing startup that is disrupting the fraud industry by putting the control back into the hands of digital businesses with an innovative approach that bankrupts the underlying business model of fraudsters. Its patented platform combines Telemetry with an Adaptive Step-Up challenge. Telemetry accurately identifies bad actors, while the Adaptive Step-Up wears them down and diminishes their ROI without adding friction for good customers. The world’s largest brands trust Arkose Labs to protect their customer journey while delivering unrivaled customer experience. Why Arkose Labs? The unique opportunity to join an early stage, high growth startup, venture-backed by PayPal, with pioneering technology built by an ambitious team who are passionate about their product and love coming to work every day. The chance to work with some of the biggest names in the market such as Roblox, Blackhawk Network, MeWe and Twilio!