List of Fintech Companies in USA 2022-2023


Fintech or financial technology, has been one of the world’s most promising sectors. The company uses mobile banking, investing, and blockchain apps. As a result, FinTech has transformed the way people manage their finances. According to Modern Knowledge World, The United States is the epicenter of this technology movement. In short, there are 1,491 startups and $58,5 billion invested in the Country. Moreover, banks adopted new technologies. But they are not the only ones to do so. Many Companies use Digital media and provide access to customers and provides services such as digital loans and mobile stock systems. It also includes e-commerce payment networks and digital currency exchanges. Below is the list of Fintech Companies in the USA.

Join our discord server for more such content 

The Evolution of Fintech in USA-

Fintech has been around for much longer than most people assume. However, fintech’s current form allows you to pay for a coffee cup with a smartphone app. The history of financial infrastructure can be traced back to the first credit cards. The general public approved it at the end of the 1950s.

Many Financial technologies evolved—like A.T.M.s, electronic shares, mainframe bank computers, and online stock exchanges. Similarly, many modern technologies have improved the financial system. Technologies about whom we rarely think about daily.

Present Scenario

Today, Fintech solutions threaten existing banking infrastructure. For example, using a payment app on a mobile wallet rather than carrying actual credit cards in a physical wallet.

Fintech has changed many businesses, most financial, commercial, insurance, and risk management industries. Startups, technology enterprises, and established financial institutions are all examples of fintech firms. It uses digital breakthroughs. Further, it uses big data and artificial intelligence to improve usability and performance.

According to the sources, U.S., in the first quarter of 2021, fintechs raised $12.8 billion. A 220 percent gain over the same period in 2020. True, this figure was exaggerated by Robinhood’s emergency $3.4 billion in fundraising. In addition, it encountered a slight financial shortage due to the trading frenzy in stocks like GameStock and A.M.C. Entertainment. But it’s not investments that are rising; the values of U.S. Fintechs are as well—the average valuation of the 11 still-private U.S. Fintechs on our list (we were aiming for 10. There was a three-way tie for No. 9) is $19.5 billion, which is more than double the average from last year. Therefore, Our list’s cut-off valuation for inclusion was $5 billion, up from $3.7 billion in 2020.

It was ranked 10th last year with a $3.7 billion valuation as a private business and now trades with a market worth of only $2.4 billion.)

Here are Fintech’s most influential members-

Stripe – $95 billion

Stripe, which was founded in 2011. It facilitates online payments for small firms and also provides it to some big tech behemoths like Microsoft and Zoom. Therefore, it is still the most valued fintech company in the United States. Moreover, it has a $95 billion valuation, up from $35 billion last year. Stripe is also the world’s second-most valuable company, trailing only TikTok owner ByteDance. In conclusion, one of these days, it’ll be ready to go public.

C.E.O. Patrick Collison, 32, and president John Collison, 30, are the co-founders. In short, the Irish-born brothers have a combined net worth of $19 billion after dropping out of M.I.T. and Harvard.

Know more about the company –

Klarna’s – $31 billion

Klarna, the pioneer of “buy now, pay later,” has risen as consumers choose debit over credit. In addition, the 16-year-old fintech provides funding to customers buying at IKEA, H&M, and Etsy. Following the pandemic’s e-commerce boom, the pandemic’s valuation tripled in March 2021.

Moreover, Sebastian Siemiątkowski, 39, worked at an accounting company before founding Klarna. The co-founder and C.E.O are now worth an estimated $2.2 billion.

Know more about the company –

Kraken – $20 billion

Kraken, based in San Francisco. It is the largest cryptocurrency exchange by transaction volume in Europe. It is the second-largest in the United States, after Coinbase. Kraken intends to launch a banking product headquartered in Wyoming. It became the first crypto firm to get a banking charter in September 2020.

Jesse Powell, 40, a Cal State philosophy major and serial entrepreneur, is a co-founder and C.E.O.

Know more about the company –

Chime’s – $14.5 billion

Chime is the most prominent digital quasi bank in the United States. It provides no-fee checking accounts, a debit card, and overdraft protection. Last year, it released a starting credit card and offered early access to federal stimulus money. Its annual revenue reached $600 million. This bank is located in San Francisco, California. In addition, their C.E.O.s are Chris Britt, 48, a Visa grad with a $1.3 billion net worth, and C.T.O. Ryan King, 44, are the co-founders.

Know more about the company –

Plaid – $13.4 billion

Plaid, a company founded in 2012. It allows other fintech, including prominent names like Robinhood, Coinbase, and Venmo, to connect to their client’s bank accounts. Last year, Plaid doubled its customer base to 4,500. In conclusion, Visa’s $5.3 billion acquisition fell through in January 2020.

The co-founders are C.E.O. Zach Perret, 33, and former C.T.O. William Hockey, 31. Moreover, before launching Plaid, the billionaires (with fortunes of $1.5 billion and $1.3 billion) worked as junior consultants at Bain.

Know more about the company –

Robinhood’s – $11.7 billion

Robinhood, a contentious app that pioneered commission-free trades of stocks (including fractional shares), cryptocurrencies, ETFs, and options. It has over 13 million users. In short, revenue more than tripled the year to $331 million in the first three months of 2021.

C.E.O. Vladimir Tenev and Baiju Bhatt both are co-founders and former Stanford students.

Know more about the company –

Brex – $7.4 billion

The expenditure reporting company sells solutions created for other companies, for example, Airbnb and Carta. Moreover, it has an estimated 20,000 other customers. A corporate credit card with travel benefits, corporate cash management accounts are some services. In short, these are among the essential services.

Co-CEOs Henrique Dubugras, 25, and Pedro Franceschi, 24, are co-founders. They are dropouts from Stanford.

Know more about the company –

Carta – $6.8 billion

Carta, known as eShares, was founded in 2012. It tracks capital tables on the cloud for private enterprises, investors, and employees. In addition, Carta, a secondary marketplace that allows unicorn startup employees to sell their shares to investors, was launched.

Henry Ward, 45, a University of Michigan graduate, is co-founder and C.E.O.

Know more about the company –

Gemini – $5 billion

This seven-year-old firm was one of the first to open bitcoin exchanges. In short, it was based in New York City and conducts over $30 billion in transactions per year and recently acquired an NFT exchange.

C.E.O. Tyler Winklevoss, 39, and president Cameron Winklevoss, 39, early bitcoin investors and identical twins. They became millionaires on their terms a dozen years ago. Further, they sued Mark Zuckerberg for allegedly stealing their concept for Facebook.

Know more about the company –

Hippo – $5 Billion

Hippo is set to go public in a $5 billion S.P.A.C. sale. It automates house insurance applications and claims procedures. In short, they combine A.I., satellite imagery, shared data, and various other elements. As a result, more than 70% of U.S. homeowners now have access to the company’s services.

C.E.O. Assaf Wand, 46, and C.T.O. Eyal Navon, 40, are both serial entrepreneurs from Israel.

Know more about the company –

Wise, known as Transferwise

it provides online international money transfers for users at a fee averaging 0.7%. It is low as compared to 3-4 percent from U.S. banks. Last year, revenue increased by 70% to $420 million. The company now has 10 million clients, up from seven million in early 2020. Wise is based in London, but it has extensive activities in the United States.

CEO Kristo Käärmann, 41, and chairman Taavet Hinrikus, 40, are also Estonians.

Know more about the company –


This company is located in San Francisco, California. TrueAccord employs machine learning to assist thousands of businesses in collecting debts. In this way, it benefits both businesses and customers. The company leverages current modes of communication to increase client engagement. It helps in repayment rates rather than cold phoning or sending debt collectors. TrueAccord provides a platform for consumers with outstanding debts. They allow them to tailor the time, channel, and payment arrangements. These are most convenient for them. This company is one of the growing companies in the United States Of America.

Know more about the company –


Stripe was the most valuable fintech business in the United States as of 2020. The company, which provides payment processing services, is located in San Francisco. It has a net worth of $35 billion U.S.U.S. dollars. Root, a digital insurance company, came in second place. It has a valuation of almost 10 billion U.S. dollars.


Fintech has changed the way consumers pay for goods and services. According to sources, it helps the customer by enabling them to perform transactions by using computers. There are 950 million global mobile payment transaction users reported in 2019. These numbers are expected to climb to 1.31 billion by 2023. Under banked sectors in various Asian, Latin American, and African countries drive growth.


Chime is a forerunner in mobile banking. It offers no-fee and automatic savings accounts and early payday via direct deposit. Chime is considered one of the fastest-growing banks in the United States. It has over one million established accounts.

Leave a Comment