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.

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.

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.

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.

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.

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.

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.

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 integrates the APIs of the top brokerage, fintech and crypto firms with app developers, publishers and asset managers, enabling their customers to seamlessly manage and trade their portfolios. TradeIt is currently live on a number of leading destinations, such as Stock Tracker, Motley Fool, BlackRock, Franklin Templeton and Yahoo! Finance.

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.

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.