Top Tech Startups in Earth in 2027

Backpack Payment Technologies, Inc. is a financial technology company that specializes in building API-driven payment gateways for 529 College Savings Plans. The company collaborates with OMB Bank, a Member FDIC, to provide banking services. Backpack focuses on simplifying the process of managing and contributing to 529 accounts, making it easier for families to save for education expenses. The platform integrates various financial services to offer a seamless user experience for its clients.

Ethos is on a mission to transform how banks govern their AI and machine learning models. We're an early-stage startup in NYC backed by leading investors, including Better Tomorrow Ventures and Capital One Ventures. AI and machine learning models are already used today for many of the most critical decisions in society. Especially in financial services, this technology comes with deep questions around testing and governing these models to make sure their behaviors are trustworthy. We started Ethos because we saw firsthand the critical need for a modern platform for Model Risk Management in financial services. Changing technologies and regulatory requirements pose huge challenges for the industry, as well as enormous opportunities for positive change. At Ethos, you will be a fundamental part of this change.

Terial is disrupting the ~$13+ trillion global construction industry with modern, AI-powered operating software for commercial roofers and contractors. The industry has traditionally been underserved by technology, creating a perfect storm for rapid growth and market adoption.

Plus Programs is an IT consulting and software engineering enterprise delivering custom web architectures, automated workflows, and compliance solutions. Alongside our engineering practice, we build and scale Stayopia—our proprietary hospitality SaaS platform designed for modern hotel and property management. WHAT WE BUILD & SOLVE 1. Stayopia (Hospitality SaaS) All-in-one Property Management System (PMS), channel manager, and guest experience engine. Automates room inventory, direct bookings, and multi-channel synchronization for hotels, resorts, and vacation rentals. 2. Enterprise Web & Software Engineering (Plus Programs) Custom full-stack web platforms, scalable microservices, and API integrations built to modernize business operations and handle high-traffic demands. 3. Business Process & Compliance Automation Tailored workflow scripts and regulatory software tools designed to automate complex operations, GDPR handling, and European data privacy compliance. PORTFOLIO HIGHLIGHTS • Stayopia SaaS: stayopia.com (Hospitality management ecosystem) • Plus Programs: plusprograms.co/en (Custom software, web development & B2B automation) We partner with top-tier B2B sales professionals, developers, and regional partners across Europe and the GCC to bring high-performance tech solutions to market.

At Kalmus Labs, we are building human-centered AI tools for learning and growth. Our first product, BookBuddy, transforms any document into a guided conversation that adapts to you - explaining concepts in plain language, asking smart questions, and making study feel more like dialogue than drudgery. The problem we are tackling is that learning and work have become increasingly isolating and mechanical: PDFs, jargon, endless tabs, and no real support. AI today often feels like a chatbot toy or a corporate tool for efficiency, not for people. We believe technology should make learning feel alive, personal, and empowering. Our challenge is not just technical - it’s cultural. We are designing AI that feels trustworthy, transparent, and human. We are solving for flow, not just output. And we are building a company where contributors share in the upside, not just the workload.