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 investing and who don’t want to rely on a black box service to do it for them. It’s a platform to help 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.

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.

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.

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.

By offering consistent income, Even helps hourly workers avoid getting trapped in a cycle of costly debt. Fortune 500 companies with hourly workforces see Even as a valuable benefit for helping to limit employee turnover. Even is available for a low weekly fee, and does not charge interest.

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.

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

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.

TradeIt is an API that can integrate with any website or app, giving visitors the opportunity to trade via their brokerage of choice. TradeIt features an order entry ticket that lives on its publishing partners’ sites and that collects and transmits trade orders to brokers through a proprietary execution management system. TradeIt is currently live on a number of leading financial mobile apps, such as Stock Tracker, Rubicoin, and Invstr, and on popular financial content destinations, including MarketWatch, The Motley Fool and TheStreet.com.

Homie is a peer-to-peer marketplace where buyers and sellers of homes can meet, negotiate, and transact without a middleman or high commission fees. Homie combines revolutionary software and shared economies to make finding, buying, and selling a home easier and less expensive. When buyers and sellers use Homie, they save thousands of dollars in commission fees compared to using traditional real estate agents.

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.