Top FinTech Startups In The US

As one of the biggest financial hubs in the world, it’s no surprise that the US is also home to a huge number of successful fintech startups and scale-ups.

In fact, according to Failory, the US is home to 235 unicorns, with Statista citing it as the country that has the most fintech unicorns in the world.

But these companies aren’t just changing how people manage their money, they are changing how they invest, lend, spend and borrow.

So, who are some of the top fintech startups in the US? We rounded them up for you.

Ripple

Ripple is a blockchain company founded in 2012 that focuses on creating cross-border payment technology for businesses. Its primary mission is to help businesses speed up international payments so they can be faster and pay lower fees.

Ripple’s technology is built on XRLP, a public blockchain that allows it to operate quicker and at a lower cost.

Mercury

Mercury was founded to make banking better and easier for startups.

Whilst the company itself is not a bank, it works with banking service providers to help businesses host their cards, bills, invoicing and accounting all in one place.

Through their unified platform, Mercury is setting out to change how startups operate when it comes to their business banking.

Kraken

Kraken is a cryptocurrency exchange designed to help people buy, sell and trade over 500 digital assets. Through Kraken, everyone can invest in digital assets, whether they want to make smaller transactions or big investments.

Kraken also have their debit card that allows users to spend these assets, as well as a Crypto-as-a-Service (CaaS) offering which allows businesses to offer crypto services without building them from scratch.

Brex

Brex is an expense management platform that helps businesses by combining their cards, expenses and business accounts all in one place.

Through Brex, companies can implement spend limits, automate their expense reporting and pay vendors around the world. Trusted by over 35,000 companies, Brex makes expenses manual, taking out a lot of the grunt work in the background.

Plaid

Plaid is a technology company that allows other apps to connect securely to a user’s bank account, allowing it to access the data in a secure way.

By giving users secure and easy ways to connect their financial data to apps, Plaid makes account linking faster and easier than ever before.

Navan

Navan is another business travel and expense management platform that allows companies to manage all expenses – from team dinners to trips abroad – all in one place. Navan’s platform has become popular with businesses due to its easy to use interface and easy connectivity.

Alongside expenses, Navan also has exclusive deals with hotels and restaurants, so businesses not only track expenses but also save money.

Chime

Chime is a fintech company that provides no-fee mobile banking services and overdrafts, alongside other financial services.

One of its most well known services is its MyPay platform, where users are able to access up to $500 of their pay before payday. With no interest or fees, users can get paid early without being trapped by high interest and unclear terms.

Stripe

Stripe is one of the biggest fintech companies in the world, operating as a way for businesses to embed payments into their websites easily. Through stripe, any online business can set themselves up to accept credit and debit cards, as well as other payment methods.

One of Stripe’s most well known products is its API which is secure, easy to integrate and user-friendly for buyers.

Ramp

Ramp is a spend management platform that makes it easy for businesses to control spend, manage expenses and process bills all in one place.

With easy connects into existing systems, an AI that allows companies to catch any out of policy transactions, and alerts companies when they are overspending.