69 Best Fintech Startups in San Francisco to Watch in 2025

A bank offering online banking services with no user no bank fees, and an option to receive direct deposit up to two days early. Chris Britt and Ryan King founded Chime in 2013, and the company is headquartered in San Francisco, California.

Numerai is a hedge fund with stock market trades determined by crowdsourced artificial intelligence models. The best models receive rewards in the form of a cryptographic token called Numeraire (NMR) on the Ethereum blockchain.

Phantom is a cryptocurrency wallet by Solana to manage digital assets and access decentralized applications.

Forge, formerly Equidate, is a company that offers a marketplace for private stock liquidation.

Brex is a credit card company that issues corporate credit cards with no security deposit.

Artificial intelligence company who uses models and IBM's Watson in the management of their AI Powered Equity Fund ETF (AIEQ) and AI Powered International Equity ETF (AIIQ)

MetaMap aims to digitize trust

Deel is a technology company offering a human resources management system solution for businesses working with global remote contractors.

Alloy is a San Francisco-based software company developing a platform for inventory and shipment visibility, including sell-in and sell-through analytics.

Prosper is an online peer-to-peer lending marketplace connecting people who want to borrow money with individuals and institutions who want to lend money.

Patreon is a San Francisco-based crowdfunding platform for artists and creators founded by Jack Conte and Sam Yam in 2013.

Mercury is a company making banking products for startups based in San Francisco and backed by a16z.

A federally regulated financial exchange that allows investors to trade directly on the anticipated outcome of future events. It was founded in 2019 and is located in New York, New York.

Juno, previously known as OnJuno, is a neobanking platform that offers interest-earning personal checking accounts. The platform allows all transactions to be managed from an iPhone or Android application, and users can be paid in cryptocurrency through direct deposit.

CyberCube Analytics delivers a cyber risk analytics platform that is specifically designed for the insurance industry.

Brave is an open source web browser founded in 2015 by Brendan Eich.

Investing tool and Public Benefit Corporation that emphasizes social responsibility.

App Samurai is a San Francisco-based company that provides mobile marketing technology.

Sourcescrub, Inc. is a San Francisco-headquartered software and data company offering a deal sourcing and tracking platform with data warehousing for the merger and acquisition industry founded in 2014.

Yapstone provides flexible and customizable payment solutions.

The Long-Term Stock Exchange is a financial services company and Securities Exchange.

MoneyLion is a mobile banking platform for borrowing, saving, and investing.

Tribal Credit is a company in San Francisco.

An insurance technology offering a platform for companies to manage health insurance policies for their employees.

Branch offers microloans through a free-to-download Android app in emerging markets.

The leading clientflow management platform that makes it easy for independent businesses to professionally sell and deliver their services online

Standard AI is a software company creating autonomous checkout systems for retailers.

AlphaSense is a technology company that has developed an artificial intelligence platform for market intelligence and analysis. It was founded in 2011 and is located in San Francisco, California.

Pave is a software company specializing in developing compensation documenting solutions for businesses.

Varo is a San Francisco-based mobile banking business allowing customers to pay their bills, cover their expenses and build their wealth.

Bolt is a technology company that has developed a shopping checkout platform for e-commerce.

Neighborly drives investment in world-positive infrastructure projects like broadband, solar microgrids, and libraries.

SafeGraph is a data company offering a platform for organizing points of interests (POIs) relevant to businesses. It was founded in 2016 and is located in San Francisco, California.

LendUp is a company building credit products that cater people with low credit or volatile income. It participated in the W12 cohort of Y Combinator.

Flutterwave is a company designing and developing application programming interface payments across Africa.

Chronicled is a blockchain company founded by Ryan Orr, Samantha Radocchia, Maurizio Greco and David Aho.

Crypto hedgehog is a San Jose, CA-based investment management software company providing a portfolio management app for cryptocurrencies.

A financial technology company that has developed a solution that can automate banking processes. It was founded in 2018 and is located in London, the United Kingdom.

Qualia is a technology platform for the closing process in the purchase and sale of homes.

Anchorage Digital is a global regulated crypto platform that provides institutions with integrated digital asset financial services and infrastructure solutions.

Staax is a San Francisco-based peer-to-peer lending and payment platform allowing users to purchase and send fractional shares of stocks.

Fundbox is a company offering business lines of credit founded in 2013 by Eyal Shinar, Tomer Michaeli and Yuval Ariav.

Sift Science is a San Francisco-based company founded in 2011 by Brandon Ballinger.

Kiva is a 501(c)(3) non-profit organization headquartered in San Francisco, California.

Tech company solving bookkeeping for startups and small businesses

Unit is a San Francisco-based company developing a platform that allows companies to integrate banking services into their businesses.

An insurance technology company offering automobile insurance at a base rate combined with payments for miles driven.

Insikt is a San Francisco-based company founded in 2014 by James Gutierrez.

Sardine is a real-time fraud prevention product for financial technology and Web3 customers.

People.ai is an AI platform based on sales and marketing.

Authy is a company providing an API for developers for customizing authentication for applications and authentication platform for enterprises.

An insurance technology company offering an on-demand insurance platform.

An insurance technology company offering cloud-based enterprise software for underwriting and quoting employee benefits.

Wyre is a San Francisco-based developer of a payment platform on blockchain founded by Michael Dunworth and Ioannis Giannaros.

BitGo is a financial services company in  California that focuses on financial services, providing clients with security, custody, and liquidity solutions.

HappyCo is a company founded in 2011 by Jindou Lee.

Brightside is an employee benefits and financial wellness platform headquartered in San Francisco, California.

Pipe is a financing platform for SaaS companies based in Los Angeles.

Workstream is a company and job platform that enables business owners to recruit and hire workers, focusing on gig jobs and the fast food industry.

Human Interest (formerly Captain 401) is a company that participated in the S15 cohort of Y Combinator. It offers 401(k) retirement plans for small businesses and startups. It was founded in 2015 and is located in San Francisco, California.

Novo focuses on giving a banking option to startups and small business owners, founded by Michael Rangel and Tyler McIntyre.

Digit is a San Francisco-based financial mobile application analyzing a users spending habits and automatically saving money for them.

Vanta specializes in the provision of security automation software that secures businesses' networks and helps them obtain compliance certificatations.

An insurance technology company offering an automobile insurance consumer platform.

Juvo is a mobile financial services platform made for people without access to traditional banking services. It was founded in 2014 and has headquarters in San Francisco, California.

PayJoy is a software development company offering a mobile digital platform to purchase new smartphones and receive loans using their smartphone as collateral.

Indiegogo is a web-based crowdfunding platform founded by Danae Ringelmann, Salva Rubin, Eric Schell in 2008, that is headquartered San Francisco, California.

A financial service software company that aids users in preventing or refunding bank fees that users may incurred. It is located in San Francisco, California and was founded in 2016.

Upgrade is a neo-bank offering affordable credit to consumers.