The FinTech Stack

Stripe is a global financial infrastructure platform for businesses. Following its May 2026 IPO, the company is publicly traded on the NYSE with a market cap exceeding $180B.

The world's largest digital banking platform outside of Asia, serving over 130 million customers across Brazil, Mexico, and Colombia as of June 2026.

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 one of the world's largest crypto exchanges — valued at $20B, on an active path to IPO. Track funding rounds, regulatory filings, and readiness.

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

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.

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

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.

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

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

Circle is the stablecoin infrastructure company behind USDC — the second-largest stablecoin with $45B+ in circulation and trusted by institutions globally. Valued at $13.4B as a public company (NYSE: CIRC) following its April 2025 SPAC merger, Circle has become one of the largest regulated dollar digital asset companies in the world. Major stablecoin IPO candidate driving institutional adoption of dollar stablecoins for global payments.

Digital personal finance platform offering student loans, mortgages, investing, and banking services.

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.

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

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.

Faire is the wholesale marketplace connecting 700K+ independent retailers with 100K+ emerging brands — the B2B commerce platform for the indie retail economy. Valued at $12.4B with $1.7B raised, Faire processes billions in annual GMV and is the dominant wholesale marketplace globally. IPO candidate as B2B commerce digitisation continues to disrupt traditional wholesale distribution — a $50B+ global market.

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.

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.