Fintech & insurtech startups in New York

Jeremy Allaire, Sean Neville

Issuer of USDC (2nd-largest stablecoin, ~$60B+ cap), Circle moved its global HQ to One World Trade Center in NYC ahead of its June 2025 NYSE IPO (CRCL), which priced at a ~$6.9B valuation and surged 600%+ wi...

Tyler Winklevoss, Cameron Winklevoss

Founded 2014, Gemini is a NYDFS-regulated crypto exchange + custody + stablecoin (GUSD) + rewards-card platform holding $21B+ in assets. IPO'd on Nasdaq (GEMI) Sept 2025 at a $3.3B valuation, popping 14% on ...

Dee Choubey, Chee Mun Foong

Founded 2013 by Indian-American CEO Dee Choubey, MoneyLion is an AI-powered consumer-finance + embedded-finance platform serving ~18M customers. Public via SPAC (NYSE: ML), it was acquired by Gen Digital (No...

Gal Krubiner, Yahav Yulzari, Avital Pardo

Founded 2016, Pagaya is an AI-driven credit / lending-infrastructure network that underwrites consumer loans for banks and lenders. Public on Nasdaq (PGY); reached GAAP profitability in 2025, swinging from a...

Tommy Nicholas, Charles Hearn, Laura Spiekerman

Founded 2015, Alloy is the leading identity-decisioning / fraud + KYC platform for banks and fintechs, connecting 160+ data sources via API. It raised $52M (Lightspeed, Avenir) at a $1.55B valuation and repo...

Jon Stein (Sarah Levy, CEO)

Founded 2008, Betterment is the largest independent robo-advisor / digital wealth platform, crossing $65B+ AUM by late 2025. It has expanded into 401(k), advisor (RIA) and high-net-worth offerings. A definin...

Ankur Jain

Founded 2021 by Indian-American entrepreneur Ankur Jain, Bilt is a rewards + payments network that lets renters earn points on rent (and now mortgage, utilities) redeemable with airlines, hotels and merchant...

Gil Mandelzis, Igor Teleshevsky, Tom Glocer

Founded 2017, Capitolis is a capital-markets-tech platform that optimizes balance sheets and unlocks capital across banks via netting, compression and a novel capital marketplace. Raised a $110M Series D at ...

Michael Gronager, Jonathan Levin

Founded 2014, Chainalysis is the leading blockchain-data / crypto-compliance platform serving banks, exchanges and governments. Valued at ~$8.6B (Accel, Benchmark) with ~$87M revenue in 2025; it raised a Ser...

Gilles Gade

Founded 2008 in Fort Lee NJ, Cross River is the banking-as-a-service backbone behind the fintech boom — the sponsor bank / embedded-payments-cards-lending-crypto rails for 80+ fintechs including Affirm, Coin...

Stuart Sopp, Trevor Marshall

Founded 2015 by ex-Morgan Stanley trader Stuart Sopp, Current is a consumer neobank targeting underbanked Americans. It closed an $80M Series E at a $1.5B post-money valuation (QED, a16z, Expa), reported a t...

Jason Lee, Rob Law

Founded 2015, DailyPay is the leading earned-wage-access (on-demand pay) platform, letting employees access earned wages before payday. Valued ~$1.75B (Carrick Capital) with ~$235M revenue in 2024 and 640% t...

Wemimo Abbey, Samir Goel

Founded 2018, Esusu helps renters build credit by reporting on-time rent payments to the major bureaus, covering ~5M rental units across all 50 states. Valued at $1.2B (SoftBank Vision Fund 2, Serena Venture...

Michael Shaulov, Idan Ofrat, Pavel Berengoltz

Founded 2018, Fireblocks is the leading digital-asset custody and infrastructure provider, valued at $8B on a $550M Series E (D1 Capital + Spark). It booked ~$124M revenue in 2024 and in 2025 launched a NY-r...

Matan Bar, Ilan Atias, Ziv Paz

Founded 2018, Melio is a B2B accounts-payable / bill-pay platform for SMBs that processed $30B+ in FY25 on ~$153M revenue. It last raised a $150M Fiserv-led Series E at a $2B valuation, then agreed to be acq...

Nathan Allman, Pinku Surana

Founded 2021 by ex-Goldman Sachs digital-assets lead Nathan Allman, Ondo is the leading real-world-asset (RWA) tokenization platform ('Wall Street 2.0'). Its USDY tokenized Treasury note and Ondo Global Mark...

Charles Cascarilla, Rich Teo

Founded 2012, Paxos is a NYDFS-regulated blockchain-infrastructure and stablecoin issuer (USDP, PYUSD for PayPal, USDG) that has issued $120B+ in stablecoins. Valued ~$2.4B (Oak HC/FT, Founders Fund, PayPal ...

Leif Abraham, Jannick Malling

Founded 2019, Public is a multi-asset investing platform (stocks, bonds, options, crypto, Treasuries) valued at ~$2B (Accel, Greycroft, Tiger Global). In 2025 it launched direct indexing and an 'Agentic Brok...

Eric Glyman, Karim Atiyeh, Gene Lee

Founded 2019, Ramp is a corporate card + spend-management platform that has become NYC's fastest-rising fintech. It crossed $1B annualized revenue in 2025 and raised repeatedly through the year, culminating ...

Itai Damti, Doron Somech

Founded 2019, Unit is a banking-as-a-service platform that lets companies embed bank accounts, cards and payments via API. First BaaS provider to reach unicorn status — $100M Series C at a $1.2B valuation (I...

Samir Vasavada, Runik Mehrotra

Founded 2016 by then-teenage Indian-American founders Samir Vasavada and Runik Mehrotra, Vise is an AI wealthtech platform that builds and manages custom, tax-optimized portfolios for RIAs and wealth manager...

Bo Jiang, Jason Kruse, David Nichols

Founded 2014 (rebranded from Privacy.com in 2021), Lithic is a programmable card-issuing + money-movement platform — fintech-infra letting developers spin up virtual/physical cards via API. Raised to a ~$800...

Sam Bobley, John Guerci, Victoria Meakin

Founded 2014, Ocrolus is a document-AI / fintech-infra platform automating financial-document analysis (bank statements, pay stubs, tax forms — 1,150+ doc types at 99%+ accuracy) for lending underwriting and...

Jason Gross, Andrew Endicott, David Ehrich

Founded 2016, Petal issued credit cards to thin-file / no-credit-history consumers using cash-flow underwriting. Backed by Valar Ventures (Peter Thiel), it was acquired by Empower Finance in April 2024 at a ...

Everett Cook, Alex Wheldon

Founded 2018 (HQ 100 Crosby St), Rho is an all-in-one business banking + spend-management platform for SMBs and mid-market — corporate cards, AP automation, treasury and expense management. A direct NYC comp...

Brandon Krieg, Ed Robinson

Founded 2015, Stash is a subscription micro-investing + financial-guidance app with $4.3B AUM. It raised a $146M Series H (Goodwater, USV, T. Rowe Price) in May 2025 to build its 'Money Coach AI', posted its...

Angus McDonald & Chris Bayley

Founded 2014. Embedded-insurance infrastructure company — its XCover distribution platform and XClaim claims engine let e-commerce, travel and fintech partners (Booking, eBay-scale marketplaces) sell protect...

** NYC HR-tech/PEO platform for SMBs (payroll, benefits, compliance), ~$163M raised; a Lower Manhattan anchor that previously filed to go public. Established NYC HR-tech scale-up.

Daniel Schreiber & Shai Wininger

Founded 2015 in NYC. AI- and behavioral-economics-driven insurer offering renters, homeowners, pet, car, and term-life policies with an instant-quote/instant-claim chatbot model and a give-back charitable st...

Sina Chehrazi & Akash Magoon

Founded 2019 in NYC. AI benefits-experience platform that matches employees to the right health/insurance and supplemental plans using billions of claims and cost data points, distributed through employers a...

Josh Kushner, Mario Schlosser & Kevin Nazemi

Founded 2012 in NYC by three HBS classmates. Technology-first health-insurance company built around telemedicine, transparent pricing and a consumer-friendly app; a leading ACA-marketplace insurer that also ...

Jennifer Fitzgerald & Francois de Lame

Founded 2014 in NYC by two former McKinsey consultants. Online insurance marketplace pairing digital comparison tools with licensed agents across life, disability, home and auto. Acquired by Eldridge-backed ...

Joshua Kushner

Founded 2010 in NYC. Generalist but highly relevant here — Kushner co-founded Oscar Health and Thrive was an early backer of Oscar and Compass, alongside stakes across fintech/insurtech. A defining NYC ventu...