Top Tech Startups in Earth in 2026

160 million Americans lack access to mainstream credit. Our low interest credit card and financial literacy app give people an opportunity to improve their credit and personal finances. Backed by behavioral finance, our integrated financial literacy system helps customers use credit responsibly and develops a proprietary underwriting platform that can expand access to other financial products all at fair rates.

Spero helps practices offer virtual IOP (VIOP) to patients anywhere who are transitioning out of IP care, or who need more than OP care to prevent IP hospitalization. This increases access to care while lowering readmission rates. We focus on simplifying consultations and documentation for clinicians so they can focus on patient care, while also tracking patient progress through assessments and behavior reports to create a predictive care model. This helps inform clinicians when a patient is high risk, progress is regressing, individualizes treatment plans, and offers other insights. This data quantifies patient symptoms better than normal qualitative documentation. Spero helps clinics improve patient care and quantify treatment outcomes to allow clinics to negotiate VBC contracts with insurance, which increase clinic revenue and lowers costs for insurance. VBC means higher quality care, in-network coverage for patients (lower out of pocket costs), and decreased readmission rates.

We are a boutique performance growth agency focused on scaling the world's biggest apps

Construction is one of the largest industries in the world, but it is also one of the least technologically innovative spaces. Conducting fast and accurate cost estimates is a massive pain point because of the tedious nature of takeoffs (measuring & counting materials needed from the drawings). Bobyard automates the construction takeoff process with CV and NLP models to make cost estimates 10x faster while eliminating mistakes. We are a lean startup backed by some of the best VCs in the world: 8VC, Primary, and Pear. Almost all of the work lies ahead of us. We are excited to create next-gen software for the built world!

John Fisher (Founder & CEO) and Cody Fisher (Co-Founder & COO) are the father and son entrepreneurial team behind CBD Pros USA. When Cody was young, John brought him along on many business trips, especially during his early days as a successful franchisee in the automotive products industry. Cody learned at a young age how to maneuver through the intricacies of business and what it takes to be a leader in very competitive markets. In 2018, John and Cody saw an and entry point in the CBD industry and pounced on it. Opening several stores within months of the Farm Bill (December 22, 2018) being signed into law, their business acumen quickly earned them a strong position in the market. Instead of following other business models strictly dedicated to a pricing model, they decided that the focus of their CBD locations would be on educating the public, and raising the industry standards for quality control, third-party-lab-testing, and fair pricing on great products. Consequently, their staff is extremely knowledgeable about CBD strains and the potential health benefits that CBD and other cannabinoids may have. John’s and Cody’s commitment to running a transparent, ethical business has moved them to the forefront of the industry and is keeping them leaders in a fast-moving, ever-changing environment.

Anon is the Integration Platform for the Internet. Empowering developers to build user-permissioned integrations for sites without APIs.

Ando is building AI-native workforce infrastructure for shift-based work, starting with highly accurate AI-generated demand forecasting and autonomous labor allocation. Labor is one of the largest and least modernized systems in the economy. Most workforce tools are static, rules-based, and UI-driven. They create schedules, but they do not understand demand, uncertainty, or real-world tradeoffs. The result is wasted labor, constant manual intervention, and unstable hours for workers. This is not a scheduling UI problem. It is a systems problem: forecasting under uncertainty, constrained optimization, feedback loops, and learning from noisy production data. Models must operate in the wild, adapt continuously, and balance business, worker, and operational constraints. Our core intelligence layer combines demand modeling, optimization, and human-in-the-loop signals to improve allocation decisions over time, compounding into a persistent labor graph across skills, availability, reliability, and performance.

Harmonyze is building the AI backbone behind the world’s best franchise brands. Franchising is an $800B+ industry in the U.S. alone — and yet most franchise networks still run on fragmented legacy software, static dashboards, and manual processes that don’t scale. Operators are drowning in data but starving for insight. Coaches spend more time preparing than actually coaching. Leaders know where problems exist, but not what to do next. We’re fixing that. Harmonyze is an AI-native platform that uses autonomous AI agents to unify data across franchise systems, reason over complex operations, and surface clear, prioritized actions — automatically. Instead of more reports, Harmonyze delivers judgment. Instead of more tools, it becomes the operating layer that helps franchise networks run better every day. We’re venture-backed by Bowery Capital, Focal VC, and others, and already work with some of the largest and fastest-growing franchise brands in the world. Our customers use Harmonyze to improve unit performance, scale coaching, automate compliance, and make smarter decisions across hundreds or thousands of locations. We’re a small, senior, execution-obsessed team building at the intersection of applied AI, complex systems, and real-world business impact. We value ownership, velocity, taste, and intellectual honesty. We ship, learn, and iterate quickly — and we care deeply about building technology that actually works in production. If you want to build serious AI, solve hard operational problems, and help define a new category from the ground up, you’ll feel at home here.