Traditionally, large financial institutions dominated cross-currency transactions, charging hefty fees (often several percent of the amount sent) and taking hours or days to settle the trade. By coordinating transfer needs within countries across its massive user base, Transferwise makes transferring money more efficient and passes considerable savings along to users.

Unlike brick and mortar banks, N26 was built with the modern customer in mind, offering the option for instant push notifications for all transactions, innovative security features, free ATM withdrawals, no foreign transaction fees, an easy to use personal financial management tool, and a remote sign up process that takes less than 10 minutes.

Stash is a community for people who want to start saving and investing and who don’t want to rely on a black box service to do it for them. Its platform helps people take ownership and become confident investors. Starting with as little as $5, Stash investors build a portfolio of investments that aligns with their interests, beliefs and goals.

Qonto aims to become the next generation bank for entrepreneurs, SMEs and startups by providing an online service that allows users to create an account in less than five minutes. With Qonto, you can instantly receive an IBAN and get started managing your company’s physical and digital business cards and performing day-to-day operations.

Xero fills the gap between legacy accounting systems trapped on the desktop (and used by vendors primarily to peddle expensive add-ons) and ad hoc systems (paper slips; excel spreadsheets): Xero provides one clean and intuitive package with a full accrual accounting system, including cashbook, automated daily bank feeds, invoicing, payroll, sales tax and reporting.

170 million Americans live paycheck to paycheck. Financial institutions charge those Americans over $100 billion each year in overdraft and payday loan fees. Even helps people break out of that cycle, with an automated financial manager, and the ability to safely withdraw wages ahead of payday. Fortune 500 companies like Walmart offer Even as a benefit to their employees.

Tax filing with forms takes hours and requires expert knowledge. Taxfix disrupts the industry by offering a smart assistant on the phone that asks users simple questions and optimizes their taxes intelligently. With its underlying tax engine, Taxfix's systems can generate the smartest questions, allowing the company to quickly scale its technology across markets.

Octane Lending is a point of sale financing platform disrupting the $60B consumer recreational and agricultural vehicle market. Its mission is to become the first choice by making financing as painless as cash in markets where incumbent solutions are expensive, time consuming, and manual. Octane partners with manufacturers to offer competitive pricing and utilize technology and proprietary data models to accelerate the loan underwriting and closing process.

Cluno has simplified the complex process of car financing and ownership. In just three minutes, users can digitally book a car in the app for an all-inclusive, monthly subscription fee and get it delivered to their desired place. In the spirit of flexibility, drivers can switch vehicles every six months, allowing them to adapt to changing mobility needs or simply experience the newest technologies.

Jetty is a new kind of insurance company designed to help people in cities reach their goals faster by removing obstacles and risks. Its mission is to protect its customers against setbacks of all kinds, from fire and theft to wasted time and money.

Millions of Americans are locked out of credit due to the limitations of credit scoring, and millions more are trapped in debt that they don’t understand and struggle to afford. Petal expands access to safe and affordable credit by underwriting cash flows instead of just credit scores, and helps users build credit and achieve better financial outcomes with behavioral science and smart, intuitive product design.

Breather is an international network of beautiful, professional spaces designed for team meetings, offsites, brainstorms, workshops, training sessions and more — available by the day, week, or month. Each Breather location is available on-demand, and can be reserved and accessed through Breather's website and mobile app; no subscription or membership is needed. Growing rapidly, Breather has hundreds of spaces in major cities in the U.S., Canada and Europe.

Businesses increasingly rely on external workforces of freelancers and contractors, often without an effective way to keep track of them. Kalo provides an elegant platform to simplify every step of these workers — from onboarding to internal reviews to payment.

The insurance industry is broken with its legacy infrastructure, organizational design and products built for brokers rather than around the customer. Coya is a full-stack European insurance challenger that has redesigned the insurance value chain, working backward from the customer, to offer scalable protection at the point of need with personalized predictive risk management and simple, transparent, personal insurance designed to manage life’s risks and join the customer’s journey.

Bestow is a smarter approach to life insurance. Affordable prices. A+ rated policies. Instant decisions. No medical exams required. With a brand new underwriting framework and a first-of-its-kind experience, Bestow is bringing life insurance within reach for more people than ever before.

Today, technology makes it possible for lenders and borrowers to find partners far beyond their home markets. But the truth is, most lenders have not fully unlocked their potential to connect with other financial institutions, automate routine administrative processes, and more profitably share risk. LoanStreet is the first fully-integrated, online platform that streamlines the process of sharing, managing, and originating loans for credit unions, banks, and direct lenders.

Financial services have traditionally been fragmented based on geography and fiat currency regimes. BlockFi provides globally accessible financial products by leveraging digital assets and blockchain payment rails. Cryptocurrency investors use BlockFi for unique liquidity, payments and wealth management solutions.

Starship is an experience-driven healthcare banking platform for health savings accounts (HSAs). They are transforming the way Americans pay for healthcare by making it easy to track spending, save for today, and invest in tomorrow… all tax-free.