Fintech

Checkout.com is a global payments platform built for digital-first businesses that need high authorization rates, advanced fraud protection, and sophisticated payment orchestration. Founded in 2012 and headquartered in London, Checkout.com serves major clients including Grab, Wise, Coinbase, Pizza Hut, and Klarna. The platform's core advantage is its proprietary direct acquiring relationships in over 20 markets, enabling higher approval rates than competitors using third-party acquirers. Checkout.com's unified API accepts 20+ local payment methods alongside traditional cards, supporting seamless global expansion. Its Frames product provides PCI-compliant hosted payment fields that can be styled to match any brand identity. The Risk Engine uses machine learning to minimize false positives while catching genuine fraud. Advanced payment orchestration features enable businesses to route transactions intelligently across multiple processors for optimal performance. Checkout.com's Analytics provides granular transaction-level data with custom reporting capabilities. The platform's issuing product enables businesses to issue physical and virtual cards. Checkout.com is particularly strong for fintech companies, marketplaces, and enterprises with complex global payment needs. Its infrastructure processes billions of transactions annually with 99.99% uptime SLAs. The dedicated support team includes payment specialists who can help optimize acceptance rates and reduce costs.

Holvi is a European fintech that combines business banking with built-in bookkeeping tools, enabling freelancers, sole traders, and small business owners to manage both their banking and accounting in a single platform. Founded in Helsinki in 2011 and acquired by BBVA in 2016, Holvi serves primarily Finnish and German markets with expansion across Europe. Unlike traditional accounting software that connects to a bank, Holvi is the bank—providing a payment account with IBAN, Mastercard business debit card, and integrated accounting in one package. Invoicing tools create professional invoices that can be sent directly from the platform with online payment acceptance. Expense tracking captures receipts via mobile camera and categorizes business expenses automatically. VAT handling supports Finnish and German VAT reporting requirements. Bank transactions appear immediately in bookkeeping records, eliminating reconciliation. Reports provide real-time profit overview, invoicing summary, and expense analysis. The Holvi card enables business spending with automatic receipt capture at point of purchase. Annual account export provides year-end bookkeeping data for tax preparation. Holvi's bundled banking-and-bookkeeping approach appeals to sole traders and freelancers who want to simplify their business finances into a single service. The platform is particularly popular with designers, consultants, and creative professionals in the Nordic and German markets who want efficient financial management without learning separate banking and accounting tools.

Lithic (formerly Privacy.com for Business) is a card issuing platform that provides fintechs, startups, and enterprises with the infrastructure to launch Visa debit and credit card programs through a simple API. Founded in 2014, Lithic has built a developer-first card issuing platform known for its clean documentation, fast integration, and flexible spend controls. The platform enables businesses to issue single-use, merchant-locked, and category-locked virtual cards for expense control and vendor payments. Physical card programs support both instant-issue and personalized cards for consumer and commercial products. Lithic's spend controls are programmable in real time, enabling complex authorization logic for expense management platforms, BNPL products, and financial services applications. The platform's sandbox environment provides full production parity for testing. Lithic handles the BIN sponsorship, card network relationships, and regulatory compliance so clients can focus on product development rather than infrastructure. The company offers both white-label and co-branded card programs. Integration with popular BaaS platforms and accounting tools simplifies financial operations. Lithic has processed billions in card volume and serves dozens of fintech companies. Its developer-focused approach, with comprehensive API documentation and responsive support, makes it particularly popular with engineering-led companies building financial products.

Marqeta is the leading modern card issuing platform, powering the payment cards for companies like DoorDash, Instacart, Square Cash App, Uber, and Klarna. Founded in Oakland in 2010, Marqeta pioneered just-in-time (JIT) provisioning—the ability to fund cards in real time at the point of purchase with precise control logic. This innovation enabled entirely new payment experiences like gig worker instant pay, corporate virtual cards for specific vendors, and Buy Now Pay Later card-based products. Marqeta's open API platform allows clients to customize card behaviors with granular spending controls: transaction limits, merchant category restrictions, geographic limits, and real-time decisioning logic. The platform issues both physical and virtual cards on Visa, Mastercard, and Discover networks. Marqeta's tokenization capabilities support Apple Pay, Google Pay, and Samsung Pay. Its sandbox environment with complete testing capabilities enables rapid product development. Marqeta went public in June 2021. The platform processes hundreds of billions in volume annually and issues cards in 40+ countries. Key use cases include expense management (virtual cards with spending rules), disbursements (instant payouts to workers), lending (BNPL card products), and digital banking (neobank debit cards). Its revenue sharing model means clients earn interchange revenue on their card programs.

Plaid's financial data API products provide developers with programmatic access to bank account data, transaction history, income verification, and investment data across 12,000+ financial institutions. Beyond its consumer-facing Link product, Plaid has built a comprehensive API platform for financial data use cases. Transactions provides enriched, categorized transaction history going back 24 months from connected accounts. Identity extracts and verifies account holder information for KYC purposes. Assets delivers a point-in-time snapshot of account balances and transaction history formatted for lending and verification workflows. Liabilities provides data on loans, mortgages, student loans, and credit cards. Investments gives access to brokerage, retirement, and investment account holdings. Income Verification uses bank data to verify income, supplementing or replacing pay stubs in lending workflows. Balance provides real-time account balance information for payment risk assessment. Signal predicts the likelihood of ACH return, enabling smarter payment decisioning. Plaid's API documentation is considered best-in-class, with comprehensive guides, SDKs, and sandbox environment. The company's network of institutional connections and developer-friendly tooling have made it the default choice for fintech developers needing financial data access. Regulatory compliance with GDPR, CCPA, and financial data regulations is built into the platform.

Rutter is a universal API that provides fintech companies, lenders, and B2B software providers with a single integration to access commerce, accounting, and banking data from merchants and businesses. Founded in 2020 and backed by a16z, Rutter targets modern fintech builders who need to read and write financial data across multiple platforms without building and maintaining individual integrations. Rutter Commerce supports e-commerce platforms including Shopify, WooCommerce, BigCommerce, Amazon, eBay, and Etsy—normalizing sales, orders, products, and customer data. Rutter Accounting covers QuickBooks, Xero, NetSuite, and Sage with read/write capabilities for invoices, bills, accounts, and transactions. Rutter Banking provides bank account access via Plaid and direct connections. The platform's write capabilities—the ability to push data back into accounting systems—differentiate Rutter from read-only aggregators. This enables use cases like automatic ledger entry creation, invoice syncing, and payment reconciliation. Rutter is popular with embedded lending companies that need merchant GMV data for underwriting, accounting automation platforms that sync transactions, and commercial cards that need to post expenses. Its Sandbox environment provides comprehensive testing coverage. Rutter's modern API design, competitive pricing, and fast support response have made it a preferred choice among YC companies and a16z-backed fintechs building the next generation of financial products.

Treasury Prime is a Banking-as-a-Service (BaaS) platform that connects fintech companies directly to a network of FDIC-insured bank partners, enabling them to embed bank accounts, payments, and cards into their applications. Founded in 2017 by former Plaid engineers, Treasury Prime bridges the gap between fintech innovation and traditional banking infrastructure. The platform provides a unified API that abstracts away the complexity of working directly with bank core systems. Treasury Prime's multi-bank network is a key differentiator—fintechs can access multiple bank partners through a single integration, enabling competitive term negotiation and redundancy. Product capabilities include checking and savings accounts, ACH (same-day and standard), wire transfers, check issuing, debit card issuing, and overdraft products. Treasury Prime's compliance framework includes built-in KYC via partners, AML transaction monitoring, and regulatory reporting. The platform's bank-grade security and audit infrastructure satisfy the requirements of enterprise customers. Integration options range from full API to pre-built UI components that accelerate time-to-market. Treasury Prime has deep relationships with community banks and regional banks, often offering better economics than large BaaS providers. The platform underwent significant restructuring in 2023 and continues to serve fintech clients building embedded banking experiences.

Xignite is a financial market data platform that provides cloud-based APIs for accessing real-time and historical market data, reference data, and financial information. Founded in 2006, Xignite pioneered the delivery of financial data via REST APIs, disrupting the traditional Bloomberg terminal and data feed model. The platform covers equities, ETFs, mutual funds, currencies, commodities, fixed income, and alternative assets across global markets. XigniteGlobalRealTime provides real-time quotes from major global exchanges. XigniteGlobalHistorical offers decades of historical price data for backtesting and analytics. XigniteGlobalFundamentals delivers company financials, ratios, earnings, and corporate events. XigniteGlobalNews aggregates financial news from hundreds of sources. Xignite's API design prioritizes developer usability with RESTful endpoints, JSON responses, and comprehensive documentation. The platform handles data normalization across exchanges and instruments, eliminating the need for clients to handle inconsistent source data. Xignite serves fintech startups, wealth management platforms, robo-advisors, and investment analytics companies. Its cloud-native architecture scales automatically with demand and provides reliable uptime for production financial applications. The platform's pay-as-you-go and subscription options accommodate both startups and enterprise customers. Xignite has been instrumental in democratizing market data access that was previously available only to large financial institutions.