25 FinTech Startups To Watch
Discover the 25 breakout startups that emerged in the past year—raising $100M+ and shaping the future of finance
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25 FINTECH STARTUPS TO WATCH 2025
2024 was a breakthrough year for FinTech, and 2025 is set to be even bigger. Through our reporting and research, we consistently uncover the most promising startups that are reshaping the future of finance.
Today, we're excited to share our list of 25 FinTech startups to watch—those that are less than 12 months old and are poised to drive innovation across payments, lending, wealth management, and more.
To identify the most promising startups, we applied the following methodology:
Each startup must be less than 12 months old.
The startups must have raised at least $1M USD.
We take a closer look at the most promising startups to watch.
DISCOVER THE MOST PROMISING FINTECH STARTUPS
Sapien
Sapien is a platform that generates autonomous coworkers for finance professionals.
Latest Funding: $8.7M (Seed) | Investors: General Catalyst, Neo, Scott Belsky, Claire Hughes Johnson, Bryan Baum.
Legend Labs
Legend is an all-in-one app that offers the best of decentralized finance (DeFi) in one easy-to-use platform.
Latest Funding: $15M (Seed) | Investors: a16z crypto, Coinbase Ventures.
Yala
Yala is a Bitcoin-based asset protocol designed to channel Bitcoin liquidity into multiple ecosystems.
Latest Funding: $8M (Seed) | Investors: Amber Group, HashKey Capital, Polychain, UpHonest Capital, Galaxy Digital.
Integral
Redefining how SMEs manage accounting, taxation, and payroll.
Latest Funding: $6.5M (Pre-Seed) | Investors: General Catalyst, Cherry Ventures, Puzzle Ventures.
Jota
Jota is an AI-Powered Conversational platform that automates finances.
Latest Funding: $5.7M (Seed) | Investors: MAYA Capital, HOF Capital, Alter Global, big_bets, Norte Ventures.
Moola
Achieve your money goals faster with Moola's smart Tools.
Latest Funding: $5M (Pre-Seed) | Investors: Jason Schappert.
Adfin
Adfin is a platform for businesses to get paid: faster, cheaper, and easier.
Latest Funding: $4.9M (Seed) | Investors: Index Ventures, Visionaries Club.
Synply
Synply offers users a simplified, intuitive tool to centralize the entire process of syndicated lending and portfolio management.
Latest Funding: $4.8M (Seed) | Investors: Canapi Ventures, Woodforest National Bank, Live Oak Bank, OFG Bancorp, TReK Capital Partners.
Nexchain
Nexchain – the world’s first Layer-1 AI-powered blockchain for speed, security, and Web3 innovation.
Latest Funding: $4.5M (Pre-Seed) | Investors: Outlier Ventures, Animoca Brands, Shima Capital, Dream Ventures.
PEXX
PEXX is a financial technology company that focuses on transforming the landscape of cross-border money transfers and payments.
Latest Funding: $4.5M (Seed) | Investors: Antler, TNB Aura, EMO Capital.
Flashnet
Flashnet is committed to building a Bitcoin exchange that anyone can use and where people keep their own money.
Latest Funding: $4.5M (Seed) | Investors: Abstract, Chapter One Ventures, Accomplice, Soma Capital, Guillermo Rauch.
Sphere
Sphere uses AI to help businesses manage their global compliance obligations.
Latest Funding: $4.3M (Seed) | Investors: Y Combinator, Felicis, Pioneer Fund, Folklore Ventures, Uncommon Capital.
Akua
Transformative payments infrastructure, Akua's cloud-native platform offers acquiring-as-a-service for all payment rails.
Latest Funding: $4.3M (Seed) | Investors: Plug and Play, Flourish Ventures, Propel, H20 Capital, RaliCap.
Fiamma
Fiamma builds the future of finance and the internet on bitcoin.
Latest Funding: $4M (Seed) | Investors: Chapter One Ventures, Faction, Build on Bitcoin, L2 Iterative Venture, Founderheads.
Wavo
Wavo provides debt-free inventory financing for SMEs, enabling them to grow without cash constraints.
Latest Funding: $3.6M (Seed) | Investors: Kima Ventures, HUB612, Clint Capital, Tony Parker.
Bluebook
Self-driving accounting.
Latest Funding: $3M (Pre-Seed) | Investors: Y Combinator, EQT Ventures, Mandeep Singh, Carles Reina, Huey Lin.
Fomo
Fomo is a cutting-edge fintech startup revolutionizing the financial landscape through innovative technology and strategic partnerships.
Latest Funding: $2M (Pre-Seed) | Investors: Balaji Srinivasan, Raj Gokal, Smokey The Bera, Bryan Pellegrino, Amy Wu.
Light Frame
Light Frame focuses on developing technologies for private banks, wealth management firms, and investment and wealth services banks.
Latest Funding: $1.7M (Pre-Seed) | Investors: New Stack Ventures, ATX Venture Partners, Rogue Venture Partners, Underdog Labs, Half Court Ventures.
Coverd
Gamified Personal Finance.
Latest Funding: $1.6M (Pre-Seed) | Investors: A16Z GAMES Speedrun, Cooley.
Canopy
Stack compounding rewards and watch them flourish.
Latest Funding: $1.2M (Seed) | Investors: Side Door Ventures, GSR, Mechanism Capital, Primitive Ventures, CitizenX.
Ealyx
Ealyx is a B2B SaaS for e-commerce that enables consumers to pay for new purchases with used items.
Latest Funding: $1.5M (Pre-Seed) | Investors: Plug and Play, Demium, Ona Capital Privat SCR SA, Archipelago Next, Lanai Partners.
GoDefi
Fully Decentralized Banking.
Latest Funding: $1.5M (Seed).
Margarita Finance
Supercharge your Crypto with next-gen Yield Boosters
Latest Funding: $1M (Pre-Seed) | Investors: Solana Foundation, Tomahawk.VC, N&V Capital, G-20 Group, Outrun Ventures.
Fair
The Instant and Honest Auto Warranty.
Latest Funding: $1.4M (Pre-Seed) | Investors: Antler, Blue Collective, Redbud VC, Render Capital.
LayerPixel
LayerPixel is a Layer 1.5 solution built on TON for Telegram, aiming to provide a one-stop DeFi solution for Telegram Mini App.
Latest Funding: $2M (Seed) | Investors: Foresight Ventures, VentureSouq, Waterdrip Capital, Web3Port, Kenetic.
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Great list!! Glad to see Ealyx😬
Another greeat edition!