FJ Labs's FinTech Portfolio

The merchant connectivity platform. Switch cards-on-file in online merchant accounts.

AI platform for real estate agencies

Ripio is a bitcoin and digital payments company that provides electronic payment solutions for businesses in Latin America.

Composer allows users to build, test, and manage automated investment strategies without writing a line of code.

SmartAsset is an online destination for financial advice that powers SmartAdvisor, a marketplace connecting consumers to financial advisors.

FlipGive is a team commerce platform that connects merchants & consumers via the youth sports market

Powering Cross Border Finance

Proper provides AI-powered accounting and bookkeeping services to property managers and asset managers.

RecargaPay is a financial app that enables millions of Brazilians invest, pay, borrow, and earn money in a simple and secure way

Willow Wealth provides curated access to private markets across real estate, private credit, private equity, and more.

Juni is a fintech company that develops a banking app and platform for e-commerce and online marketing entrepreneurs.

Float offers a corporate card and spend management solution that allows corporate cards, reimbursements, approvals, and invoices management.

Finom provides an online payment solution that integrates business accounts, invoicing, and accounting.

Building the Operating System for Education in Brazil

Possible Finance is a consumer finance company that provides access to capital and long-term financial health.

Denim is a financial platform specializing in freight broker operations.

Fonoa s a tax automation platform that utilizes AI to track tax rules, automate calculations, and maintain compliance.

ZenLedger analyzes and simplifies cryptocurrency taxes to help investors and tax professionals in portfolio management.

Boopos operates a tech-enabled lending platform for acquiring small businesses.

Scratch empowers medical practices to seamlessly connect and transact with their clients

ioogo is a tax and accounting software and services company that specializes in software development, mobile software, and web solutions.

Rampa is a fintech company that aims to reduce complexity and revolutionize the way money works in Latam.

Transforming rental revenue into upfront capital

Fuell is a premier expense management platform that brings SMEs' financing into the current era.

TheGuarantors is a FinTech company that offers innovative risk and financial solutions for the real estate ecosystem.

Cleverea is a neo-insurer that designs, develops, underwrites, and distributes B2C, B2B2C, and disruptive insurance.

Cross-Border Payments for High volume companies

Secfi works with startup employees and founders to provide equity planning and stock option financing.

AutoFi is a commerce platform delivering point of sale solution for financing a vehicle online.

TaxDown is a Spanish startup that eases the income tax return filing process for taxpayers.

Franq is the pioneer and leading platform for independent brokers to distribute banks and fintech financial services independently.

Goin unifies automated savings, investments, digital assets, and rewards into a single AI-powered money optimization platform.

Solarisbank is a Banking-as-a-Service platform that enables businesses to create and offer their own financial products and services.

inKind offers rewards to millions of consumers who dine at the best restaurants in the country

Ledge is an AI-powered finance operations platform that automates time-consuming accounting workflows.

Dinara is reimagining enterprise banking services for the crypto economy.

Yendo issues credit cards secured by customer vehicle equity for lending.

Digitt creates equitable financial tools to combat predatory lending.

QI Tech is a fintech platform that provides APIs enabling businesses to offer financial products to their customers.

Yieldstreet is an alternative investment platform that provides retail investors access to income-generating investment products.

The collaborative FP&A solution empowering Finance teams to deliver strategic insights that make an impact (YC W21)

Vessel is a platform for GPs to tap into the wealth channel

Belvo is the open finance API platform that enables users to connect their accounts to an app.

Tomo is a fintech startup that simplifies homebuying by optimizing mortgages and linking buyers with real estate agents.

TRIVER provides capital for small businesses facilitated by partners through embedded finance.

OneVest is a Wealth-as-a-Service platform that provides wealth management and financial services to enterprises.

minu revolutionizes the financial health of Mexican employees, offering them access to their already worked salary when they need it.

Efficient Capital Labs provides capital in a fast, seamless, and cost-effective manner to SaaS Businesses.

Chaiz is the first marketplace for extended car warranties empowering consumers to compare & buy protection online with just a few clicks.

A Single Platform to Bank, Accept Payments and Finance your company.

Finvero is a fintech company, operating a consumer Lending MarketPlace Platform (SaaS format) connecting merchants, shoppers and lenders.

Scramble is a lending marketplace enabling startups to raise debt.

Harness Wealth provides the next generation of builders confidence in their best financial future.

REWORTH API simplifies how financial institutions and merchants engage with their customers.

A transparent debt resolution platform humanizing the consumer debt collection industry

Nexu is a financing platform for Latin American car dealerships.

Chipper is a student loan app that lower payments, qualify for forgiveness, and chip away debt faster.

Devolut offers a product designed for businesses and enhancing customer experience.

Freeing crypto account holders from bankruptcy

StellarFi is a financial technology company that aims to solve credit access problems.

Paybook is a hub that connects people with their financial world through bank connectivity and innovative technology.

Buy the crypto market in a single token.

Numerai transforms and regularizes financial data into machine learning problems for global network of data scientists.

Kafene is a mission driven startup with the goal of empowering flexible ownership.

Syncfy is an open finance platform that provides a suite of solutions that integrates open data and payments.

The Future of Exchange

Taptap Send is an app that lets immigrants send money back home.

Alternative Online Lending, FinTech, online credit, Personal financial management

Bondaval is a digital platform for B2B credit security to replace traditional collateral-based instruments and trade credit insurance.

Plooto is a payment management platform for small and medium-sized businesses that helps to automate and streamlines their payments.

Ramp Network is a fintech startup that offers payment infrastructure to connect crypto and traditional finance.

Kiavi is a tech-enabled lender that provides residential real estate investors with financing solutions for property investments.