The FinTech Stack

The world's largest digital banking platform outside of Asia, serving over 135 million customers across Brazil, Mexico, and Colombia as of August 2026.

Payments infrastructure platform. Public on Nasdaq since June 4, 2026 as $STRS at ~$100–110B IPO valuation. $6.5B ARR, profitable since 2023.

Revolut is a global financial super-app and Europe's most valuable fintech, valued at $75B with over 50M customers. The company holds a UK banking license and is currently preparing for a 2026 public listing.

Leading US cryptocurrency exchange and wallet platform.

Kraken is a leading global digital asset exchange and financial services company. Publicly traded since early 2026, the platform provides spot and derivatives trading, institutional custody, and staking services to millions of users worldwide.

Rippling is the unified HR, IT, and finance platform for businesses — combining payroll, benefits, device management, and spend management in one system. Valued at $25B with $1.8B raised, Rippling generates $600M+ in ARR and has disrupted Workday, BambooHR, and Expensify. IPO candidate as the consolidation of HR/IT/finance into a single AI-native platform accelerates in the $80B+ enterprise software market.

Ramp is America's fastest-growing corporate card — $32B valuation, 25K+ business customers. Track IPO readiness score, funding rounds, and timeline.

Cloud-based accounting software for small businesses with over 5 million subscribers globally as of 2026.

The all-in-one global payroll and HR platform — managing payroll, compliance, hiring, and benefits for 1.5 million workers across 150+ countries for 40,000+ businesses.

Commission-free stock trading app that democratized retail investing for a new generation.

Rapyd is the financial technology platform providing payment infrastructure for emerging markets — enabling cross-border transactions in 100+ countries. Valued at $8.75B with $1.5B raised, Rapyd powers payment acceptance for 100K+ businesses across Latin America, Africa, and Asia. Major fintech IPO candidate as global payment digitization accelerates in the $250B+ emerging market payments opportunity.

Restaurant management platform combining POS, payments, and operations software.

Mobile-first neobank offering fee-free banking for everyday Americans.

Gusto is the full-service HR, payroll, and benefits platform for small and medium businesses, serving 300K+ companies across all 50 US states. Valued at $9.5B with $520M raised, Gusto processes $100B+ in payroll annually and generates $400M+ in ARR. Competes with ADP, Paychex, and Rippling in the $80B+ payroll and HR software market. IPO under active consideration as the category leader in SMB-focused HR technology.

Fireblocks is the leading institutional digital asset infrastructure platform enabling banks, exchanges, and enterprises to custody, issue, and move digital assets. The company is currently valued at $11B and has raised $1.3B to date.

Public BNPL and point-of-sale lending platform integrated with major US retailers.

Circle is a global financial technology firm and the issuer of USDC, a leading regulated digital dollar. The company is publicly traded on the NYSE and provides infrastructure for internet-native payments and treasury management.

Ripple is the blockchain payments company building enterprise blockchain infrastructure for cross-border transactions — the company behind the XRP Ledger used by 300+ financial institutions globally. Valued at $11.3B with $1.2B raised, Ripple is in ongoing litigation with the SEC over XRP token classification. Major fintech IPO candidate once regulatory clarity emerges — Ripple has won favorable court rulings and settled with the SEC.

Brex is the financial technology company providing corporate cards, expense management, and banking services to startups and enterprises. Valued at $12.3B with $1.8B raised, Brex generates $1B+ in annual revenue and has expanded from startups to mid-market and enterprise clients. Competes with Ramp, Divvy, and Amex in the $100B+ corporate card and spend management market. IPO candidate as B2B fintech consolidation accelerates.

International money transfer platform offering mid-market exchange rates with transparent fees.