Top Fin Tech Startups in 2026

Remitly is an international payments company that leverages digital channels, including mobile phones, to send money internationally. Remitly's digital products are fundamentally faster, less expensive, and far more convenient for customers to send money across borders. We’re here to help the millions of immigrants around the world who make the huge sacrifice of leaving their families behind to live and work in another country. These unsung heroes deliver on their promises to take care of those they love and provide them with upward mobility, improving their quality of life. We work hard to help their hard-earned money stretch farther so more make it to their loved ones safely.

Valur is democratizing access to the tax mitigation structures of the ultra high net worth so all Americans can preserve and build their wealth more efficiently. The strategies we offer can help customers preserve 60% more wealth, and those savings continue to compound and grow over time. We are backed by some of the best VC firms and angels, including Box Group, Basis Set, Canaan Partners, Chapter One, and more.

We are a marketplace where users can compare personalized, prequalified rates and quotes from multiple lenders and carriers, for student loans, mortgages, personal loans and insurance. We’re challenging the status quo by giving power to the consumer. We believe in a world where ‘ethical’, ‘lending’, and ‘insurance’ can coexist, so we set out to build innovative platforms that actually work for customers. Our mission is to help people find the best loan or insurance policy possible. We believe researching and buying loans or insurance shouldn’t be confusing or complex, so we’ve focused on simplicity. We’ve created the only unbiased loan and insurance buying process out there, which makes finding options straightforward and clear. Insurance-related services are provided through Young Alfred Inc. (CA: Young Alfred Insurance Agency, Lic. # 0M90597). All loan and mortgage-related services are provided through Credible Operations, Inc., NMLS # 1681276. nmlsconsumeraccess.org. Not available in all states.

Addepar is a wealth management platform that specializes in data aggregation, analytics and reporting for even the most complex investment portfolios. The company’s platform aggregates portfolio, market, and client data all in one place. It provides asset owners and advisors a clearer financial picture at every level, allowing them to make more informed and timely investment decisions. Addepar works with hundreds of leading financial advisors, family offices, and large financial institutions that manage over $1.3 trillion of assets on the company’s platform. In 2018, Addepar was named as a Forbes Fintech 50 and received Morgan Stanley’s Fintech Award for making a significant impact on the firm’s mission of continuous innovation. Addepar is headquartered in Silicon Valley and has offices in New York City, Chicago, and Salt Lake City.

Check is a payroll-as-a-service API that lets you embed payroll directly in your vertical SaaS, HR, or time-tracking platform. Our API abstracts away the complexities of running payroll: tax calculation, remittance, and filing, plus the movement of money between companies and employees. This enables companies to easily build fully integrated payroll products to offer to their customers. Check believes in a future where small business owners don’t have to think about payroll — it’ll simply be embedded in the platforms they already use to run their businesses. With the strong tailwinds of (1) the rise of vertical software and (2) the growth of embedded fin-tech at our back, Check is building the infrastructure to power that future, and ultimately we believe we’ll enable thousands of new platforms, millions of businesses, and hundreds of millions of workers.

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. 

Brex is building a first-of-its-kind solution to integrate the financial services and software that businesses need to be successful. While they build the future, we’ll be building everything they need to launch confidently and scale smarter. We are a hybrid company, optimizing for flexibility and connection. Our employees work remotely while coming to the office for a few coordinated days per week. We have offices in San Francisco, New York, Seattle, Salt Lake, Vancouver BC and Sao Paulo.

Payhawk is the leading global spend management solution for scaling businesses, present in more than 32 countries across two continents. Our customer-centric organisation and the product-oriented team have helped disrupt the expense management market, by combining company cards, expenses and invoice payments - enabling finance teams to control and automate company spending at scale. The Payhawk customer base includes fast-growing and mature multinational companies including LuxAir, Gtmhub, and Wagestream. With offices in New York, London, Berlin, Barcelona, Paris, Amsterdam and Sofia; Payhawk is backed by renowned investors such as Lightspeed Venture Partners, Greenoaks, QED Investors, Earlybird Digital East, and Eleven Ventures. Our values include supporting flat hierarchies, taking ownership and responsibility, seeking and providing feedback, managing constructive critique, and speaking our minds. We understand that the best ideas don’t all come from the same place, so we encourage diversity and inclusion in all areas of our work.

Blockstream is the leading Bitcoin company, providing cutting-edge infrastructure solutions for enterprises, institutions, and individual Bitcoin users. We develop industry-leading Bitcoin self-custody solutions, Bitcoin-based financial products, second-layer scaling technologies, and enterprise-grade blockchain infrastructure. OUR PRODUCTS: - The Liquid Network: sidechain-based settlement network for traders and exchanges - Blockstream App: A multi-platform, feature-rich Bitcoin and Liquid Wallet - Blockstream Jade: A fully-open source hardware wallet for Bitcoin and Liquid - Blockstream Enterprise: Enterprise-grade custody and treasury management tool - Blockstream Satellite: the Bitcoin blockchain beamed from space - Many major contributions to Bitcoin open source software and research

Luminary's technology platform enables wealth advisors to deliver generational gift and philanthropic giving solutions at scale. More than $100 billion in family and philanthropic giving capacity is created each year. But flaws in the current process impose over a billion in annual costs in order to access it. We are building the first product for wealth managers to automate the complex, and inefficient estate planning process.