Copywriter: Yuliia Melnik

The FinTech industry has evolved at a rapid pace over the last few years. Banking and Finance show fundamental shifts in technologies applied, thanks to mobile products’ skyrocketing and machine learning (abbreviated as ML). Hence, there is more scope for startups in the industry.

It was reported that FinTech startups in the United States raised more than $12 billion in funding. This numbers out-growing forecasts by 30%. And note: spending on the innovative technology of ML and digital banking has grown enormously.  So if you’re interested in a FinTech startup of your own, there is no better time than the present.

Get an introductory consultation about the possibilities of ML and other technologies for your startup.
Contact us

We have selected the most exciting and successful examples for you to get inspiration. Follow the examples of these 15 Top FinTech private-valued startups in the United States.


Stripe was a startup that initially began as a seller process payment business. Generating funding of $22.5 billion, it is now serving tech giants, including Microsoft and Amazon. The first of our 15 top fintech private-valued startups in the United States has expanded its services to credit card issuing, POS (point of sale) software, and billing.




PitchBook analyses and outputs information and public and private equity markets. Through this research brings investors and companies to identify business opportunities on the private market and source investments.






Avant is a startup that offers digital loans range from $2000-$35000. The target audience is the consumers who are on a middle-income salary. Loans offer access funds to pay off bills and other existing debts.


Braintree is a payment platform for small, middle to large enterprises. The services offered involve credit cards and Venmo. The platform also delivers popular digital wallets like Apple Pay and Google Pay in a single integration. The services help support enterprises to manage user information and protect from fraudulent activity online.




Ripple is an instant messaging platform connected to the countries banks. It delivers a service for companies to process cross-border payments in a cryptocurrency model named XRP, founded by them.




Enfusion is an investment management startup. It assists with hedge funds, asset management, risk management, accounting, and more financial services that aim to improve operational processing and efficiency.

Enfusion’s cloud-based investment management software and analytics platform uniting front, middle and back office in one system. It is an instrument of data-driven intelligence, boosting agility, powering growth, rationalizing resources.




MorningStar is a central hub or a financial library which helps investors to make better strategic decisions through professional-grade research. The company builds products and offers services that connect people to the investing information and tools they need. To the advisors MorningStar provides a holistic, personalized, and scalable understanding of every client’s financial picture.




Social Finance, Inc. abbreviated as SoFi started as a student loan refinancing firm for those struggling to line up their payments to pay off loans. They have now branched out to do the same for mortgages and life insurance.

In 2020, SoFi acquired Salt Lake City payments firm Galileo for $1.2 billion, and Hong Kong-based investment app 8 Securities. As product offerings expanded to include mortgages, mortgage refinancing, and personal loans, the company moved to a non-traditional underwriting approach focused on lending to financially responsible individuals.




LendUp is a traditional payday loan service. With a quick online application, clients can receive a decision instantly, 24/7. LendUp is offering better interest rates on the loans. It varies depending on borrowers making regular and on-time payments.


lendup-logo is an online invoicing platform that allows small businesses to get paid quicker. A self-service site helps clients create custom invoices, access to data, and reports through a dashboard. With all payment information in one place, business owners can be more organized and efficient.



Nok Nok Labs

Nok Nok Labs is a global provider of security and authentication services for client applications. It is the market leader for cloud, mobile, and Internet of Things (IoT) for organizations. Tens of millions of people rely on Nok Nok Labs passwordless solutions.




TransferWise provides a money transfer service for private clients and businesses. It allows managing payments abroad without incurring a fee or a charge.  TransferWise offers:

  • free registration — mobile app or online;
  • exchange rate notifications to track the real live information;
  • technical support and offices around the world.



FinCon is a network conference company that collaborates all FinTech companies and general communities, intending to improve operational efficiency and engagement. Events include the annual conference, local meet-ups, and special activities. FinCon helps create better content, reach the target audience, and get involved in a worldwide professional community.




Planwise is a startup that helps people obtain the appropriate confidence and skills required to become experienced in financial planning. It includes tasks such as resolving situations and developing plan-of-action to achieve goals. Using Planwise, people can easily build complete forward looking models to make financial decisions.




Circle is a cryptocurrency giant that offers services for cryptocurrency trading, investments, and payments. They are now partnered with another cryptocurrency trading company, Coinbase, to launch USDC stable coin. It is issued by regulated financial institutions and backed by fully reserved assets. Centre is a membership-based consortium that sets technical, policy, and financial standards for stable coins.



As a conclusion

Remember — in a world of innovative startups, time is dashing. Yesterday heroes give way to new ones, exciting technologies and products appear practically every week. So do the checkups of the newest top-list of fintech startups in the USA regularly to stay tuned.

Want to become one of the fintech market leaders? We will offer the best software solution for your startup!
Contact us

Successfully applied!

Leave a Reply