Radar · Banking Tech in California
Best Banking Tech Companies in California, United States
The 555 best Banking Tech companies in California, United States in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Chime.
By Riya SenguptaFinancials
555companies tracked
$14.6Bdisclosed funding
11unicorns
270have raised
FLIAR INTELLIGENCE · BANKING TECH × CALIFORNIA
Our analysis of 50 Banking Tech companies
$7.7b in tracked funding; 98% of the stack-profiled cohort runs cloud-native; funding activity peaked in 2025.
50companies analysed
98%cloud-native stacks
2025funding peak (by rounds)
12unicorns
2016median founding year
2.1Mcombined LinkedIn audience
37%of audience held by top 3
3companies hiring publicly (12 mo)
Ranked: Best Banking Tech companies in California
| # | Company | Disclosed funding | Last round | Employees | Founded | Founder | App-install YoY | Patents & IP focus | Recent signals |
|---|---|---|---|---|---|---|---|---|---|
| 1 | Chime 🦄 Digital bank for individuals | $2.6B | 58 mo ago | 1,604 1,604 → 2,482 (+55%) · sector median +75% | 2012 | Ryan King Co-Founder | +29% | — | 1 partnership · 1 award |
| 2 | Varo 🦄 Digital bank for individuals 80Funding top 15%Tech top 16%Customers top 18%Moat top 26% All 10 signals ▾Fundingtop 15% Techtop 16% Customerstop 18% Moattop 26% Markettop 30% Producttop 38% Growthtop 43% Talentbottom 49% Newsbottom 44% Globalbottom 39% Funding: Raised $991M across 8 rounds · 8 rounds over 10 yrs (0.8/yr) Tech: 46 technologies across 7/8 capability areas · Cloud: Amazon S3, Amazon Web Services rank vs industry peers · Fliar Intelligence Index 80/100 | $991M | 16 mo ago | 816 816 → 423 (-48%) · sector median +75% | 2015 | Colin Walsh Founder and CEO | +29% | — | 1 award |
| 3 | Aspiration Digital sustainable bank for consumers | $870M | 54 mo ago | 237 | 2013 | Joseph Sanberg Co-Founder | — | — | — |
| 4 | Plaid 🦄 Provider of a network for connecting financial accounts to applications 90Patents top 13%Innovation top 19%Funding top 19%Moat top 19% All 10 signals ▾Patentstop 13% Innovationtop 19% Fundingtop 19% Moattop 19% Techtop 21% Markettop 26% Producttop 30% Growthtop 35% Talenttop 38% Globaltop 40% Patents: 170 patents matched (strict assignee match) · 131 filings since 2022 vs 39 in 2017-21 Innovation: 170 patents (top 5% of patent-holders) · 131 filings since 2022 vs 39 in 2017-21 rank vs industry peers · Fliar Intelligence Index 90/100 | $734M | 14 mo ago | 883 | 2012 | Zach Perret Co-Founder & CEO | — | 170 patents Secure financial data aggregation and API verification for banking and fintech applications. | — |
| 5 | Blend Provider of digital solutions for mortgage, home equity, and consumer lending | $685M | 25 mo ago | 1,826 | 2012 | Nima Ghamsari Founder | — | 8 patents Hybrid event streaming platform integration and decentralized consumer financial data management | 1 launch · 1 award |
| 6 | Tryllian Bank Internet-first bank through bank partnership | $415M | 43 mo ago | 1 | 2021 | Luqmaan Samie CEO | — | — | — |
| 7 | Zeta 🦄 Provider of technology platforms and integrated services for financial institutions 74Patents top 20%Funding top 24%Innovation top 29%Tech top 29% All 12 signals ▾Patentstop 20% Fundingtop 24% Innovationtop 29% Techtop 29% Markettop 35% Globaltop 36% Producttop 36% Customerstop 36% Talenttop 38% Moattop 40% Fin. healthtop 46% Growthbottom 42% Patents: 156 patents matched (strict assignee match) · 101 filings since 2022 vs 52 in 2017-21 Funding: Raised $340M across 4 rounds · 4 rounds over 7 yrs (0.6/yr) rank vs industry peers · Fliar Intelligence Index 74/100 | $340M | 16 mo ago | 1,271 1,271 → 2,221 (+75%) · sector median +75% | 2015 | Ramki Gaddipati Co-Founder & CTO | — | 156 patents Patents concentrated in electrical & electronics | — |
| 8 | Feedzai 🦄 Provider of an AI-native platform for fraud and financial crime prevention 92News top 15%Funding top 16%Product top 21%Moat top 26% All 12 signals ▾Newstop 15% Fundingtop 16% Producttop 21% Moattop 26% Markettop 28% Growthtop 29% AItop 30% Techtop 31% Globaltop 31% Innovationtop 32% Talenttop 38% Partnerstop 40% News: 8 BI events in 12 mo (of 24 tracked, 5 types) · +700% YoY Funding: Raised $282M across 6 rounds · 6 rounds over 15 yrs (0.4/yr) rank vs industry peers · Fliar Intelligence Index 92/100 | $282M | 8 mo ago | 597 | 2011 | Pedro Bizarro Co-Founder & CSO | — | — | — |
| 9 | Finix Provider of payment solutions and tools for businesses and platforms | $208M | 19 mo ago | 118 | 2015 | Richie Serna Co-Founder & CEO | — | — | 1 launch · 2 partnerships |
| 10 | Slash 🦄 Provider of financial services for high-spending businesses 64Funding top 18%Moat top 27%Growth top 28%Tech top 37% All 7 signals ▾Fundingtop 18% Moattop 27% Growthtop 28% Techtop 37% Talentbottom 49% Globalbottom 48% Marketbottom 46% Funding: Raised $160M across 4 rounds · 4 rounds over 5 yrs (0.8/yr) Moat: Unicorn · 4 curated direct competitors tracked rank vs industry peers · Fliar Intelligence Index 64/100 | $160M | 2 mo ago | 17 | 2019 | Victor Cardenas Co-Founder & CEO | — | — | — |
| 11 | Kyriba 🦄 Provider of cloud-based platform for treasury, risk, payments, and working capital | $159M | 20 mo ago | 334 | 2000 | — | — | — | 1 partnership |
| 12 | Mercury 🦄 Provider of a comprehensive online platform offering a range of financial services 80AI top 15%Growth top 20%Tech top 24%Funding top 25% All 13 signals ▾AItop 15% Growthtop 20% Techtop 24% Fundingtop 25% Talenttop 28% Customerstop 30% Producttop 36% Fin. healthtop 42% Patentstop 44% Innovationtop 47% Moattop 47% Globaltop 50% Marketbottom 39% AI: Holds AI/ML patents (G06N-family CPC) Growth: Revenue +474% YoY · Web rank 500,000 → 100,000 YoY rank vs industry peers · Fliar Intelligence Index 80/100 | $146M | 1 mo ago | 1 | 2017 | Immad Akhund Co-Founder & CEO | +74% | 7 patents Secure data management and protection for additive manufacturing and vehicle power systems | 2 launchs |
| 13 | Lumin Digital Provider of digital banking platform solutions for credit unions and banks 67Funding top 20%Partners top 31%Innovation top 32%News top 35% All 12 signals ▾Fundingtop 20% Partnerstop 31% Innovationtop 32% Newstop 35% Talenttop 35% Producttop 37% Markettop 39% Growthtop 40% Techtop 44% Moatbottom 48% Globalbottom 37% Customersbottom 3% Funding: Raised $125M across 3 rounds · 3 rounds over 5 yrs (0.6/yr) Partners: 3 contract events in 12 mo · Named contractor/client in 3 deals rank vs industry peers · Fliar Intelligence Index 67/100 | $125M | 5 mo ago | 2,500 | 2016 | Jeff Chambers Founder & CEO | — | — | — |
| 14 | Nova Credit Provider of unified consumer credit data infrastructure and analytics platform 50Funding top 21%Moat top 31%News top 33%Tech top 41% All 9 signals ▾Fundingtop 21% Moattop 31% Newstop 33% Techtop 41% Producttop 41% Growthtop 43% Globalbottom 45% Marketbottom 43% Talentbottom 41% Funding: Raised $121M across 7 rounds · 7 rounds over 10 yrs (0.7/yr) Moat: Editorial + unicorn rating 8/10 · Soonicorn rank vs industry peers · Fliar Intelligence Index 50/100 | $121M | 8 mo ago | 51 51 → 119 (+133%) · sector median +75% | 2016 | Misha Esipov Co-Founder & CEO | — | — | 1 partnership |
| 15 | Zest AI Provider of AI-enabled credit risk assessment platform 64AI top 20%Funding top 21%Moat top 26%Patents top 31% All 12 signals ▾AItop 20% Fundingtop 21% Moattop 26% Patentstop 31% Innovationtop 36% Producttop 41% Growthtop 43% Techtop 44% Marketbottom 45% Talentbottom 41% Globalbottom 40% Newsbottom 37% AI: Classified as an AI company Funding: Raised $119M across 10 rounds · 10 rounds over 15 yrs (0.7/yr) rank vs industry peers · Fliar Intelligence Index 64/100 | $119M | 7 mo ago | 108 108 → 234 (+117%) · sector median +75% | 2009 | Mike Vere Chief Executive Officer | — | 216 patents Dental restorative composites, adhesives, and whitening formulations for oral care devices | — |
| 16 | Truework Candidate background verification solution | $119M | 36 mo ago | 103 103 → 87 (-16%) · sector median +75% | 2017 | Victor Kabdebon Cofounder / Product & CTO | — | — | 1 partnership |
| 17 | Found Accounting and bookkeeping management solutions for small businesses | $119M | 24 mo ago | 35 | 2019 | Lauren Myrick Co-Founder & CEO | +16% | — | — |
| 18 | Nomad Digital Bank for Individuals | $113M | 33 mo ago | 461 | 2019 | Gabriel Pinto Co-Founder & CTO | +47% | 17 patents Edge AI computer vision and surface-enhanced Raman spectroscopy for viral/analyte detection | 1 award |
| 19 | Green Dot Provider of mobile banking services, debit cards, and related financial products | $109M | 21 mo ago | 1,200 1,200 → 1,679 (+40%) · sector median +75% | 1999 | Daniel Henry President & CEO | — | — | 1 launch |
| 20 | Unit21 Technologies Provider of an AI-powered platform for financial crime prevention and compliance | $92M | 35 mo ago | 90 90 → 120 (+33%) · sector median +75% | 2018 | Trisha Kothari Co-Founder & CEO | — | — | 1 award |
| 21 | Jiko Platform enabling T-bill investing for businesses 40Funding top 20%Growth top 35%Product top 46%Moat top 47% All 12 signals ▾Fundingtop 20% Growthtop 35% Producttop 46% Moattop 47% Techbottom 49% Talentbottom 49% Innovationbottom 37% Marketbottom 36% Globalbottom 36% Patentsbottom 31% Newsbottom 24% Customersbottom 20% Funding: Raised $91.0M across 6 rounds · 6 rounds over 10 yrs (0.6/yr) Growth: Fresh capital in last 24 mo rank vs industry peers · Fliar Intelligence Index 40/100 | $91M | 8 mo ago | — | 2016 | Stephane Lintner Founder & CEO | — | 7 patents Privacy-preserving node-level data computation and reconciliation for financial analytics | — |
| 22 | AuthID AI and cloud based identity proofing and authentication solutions for enterprises 45Funding top 26%News top 31%Product top 33%Tech top 37% All 12 signals ▾Fundingtop 26% Newstop 31% Producttop 33% Techtop 37% Growthtop 42% Fin. healthtop 48% Talentbottom 49% Moatbottom 45% Marketbottom 41% Innovationbottom 39% Partnersbottom 34% Globalbottom 32% Funding: Raised $83.3M across 19 rounds · 19 rounds over 4 yrs (4.8/yr) News: 9 BI events in 12 mo (of 47 tracked, 7 types) · -10% YoY rank vs industry peers · Fliar Intelligence Index 45/100 | $83M | 1 mo ago | 25 25 → 57 (+128%) · sector median +75% | 2011 | Tom Thimot CEO | — | — | 1 launch · 2 partnerships |
| 23 | Synctera Provider of a platform for building and managing financial products | $80M | 19 mo ago | 58 58 → 113 (+95%) · sector median +75% | 2019 | Dominik NA Co-Founder and Chief Banking Officer | — | — | 2 partnerships |
| 24 | Nano Banc Internet-first bank offering business banking services | $78M | 23 mo ago | 62 | 2017 | Mark Rebal Co-Founder & CEO | — | — | — |
| 25 | Polly Provider of a capital markets platform for the mortgage industry | $77M | 21 mo ago | 102 | 2019 | Adam Carmel Founder & CEO | — | 6 patents Loan trading exchange platforms and multimedia search/visual similarity technologies | — |
| 26 | HM Bradley Developer of financial technology for banking institutions | $72M | 35 mo ago | 35 | 2018 | Germain Cassiere Co-Founder & CTO | — | 655 patents Commercial food service dispensing and waste management equipment | — |
| 27 | Savvymoneycom Financial wellness platform empowering institutions to drive growth and strengthen relationships 69Growth top 25%Funding top 26%Tech top 30%Product top 32% All 10 signals ▾Growthtop 25% Fundingtop 26% Techtop 30% Producttop 32% Moattop 36% Innovationtop 39% Newstop 45% Markettop 50% Talentbottom 49% Globalbottom 37% Growth: Headcount 36 → 74 (+106%) across vintages · 2 acquisition/expansion moves in 24 mo Funding: Raised $47.0M across 3 rounds · 3 rounds over 16 yrs (0.2/yr) rank vs industry peers · Fliar Intelligence Index 69/100 | $47M | 7 mo ago | 74 74 → 181 (+145%) · sector median +75% | 2009 | Jb Orecchia President and CEO | — | — | 1 award |
| 28 | Integral Cloud-based trading software for financial institutions to trade in capital markets | $41M | 28 mo ago | 298 | 1993 | — | — | 130 patents Moldable polymer capsules and multilayer electronic substrate interconnect manufacturing | 1 partnership |
| 29 | Peach Finance Software for loan life cycle management | $36M | 19 mo ago | 8 | 2018 | Gur Brosh Co-founder & COO | — | — | 1 partnership |
| 30 | Vesta Developer of a data-centric, rules-driven, and extensible mortgage infrastructure platform 42Funding top 30%Growth top 35%Moat top 47%Tech top 50% All 9 signals ▾Fundingtop 30% Growthtop 35% Moattop 47% Techtop 50% Patentsbottom 49% Talentbottom 49% Innovationbottom 43% Marketbottom 37% Globalbottom 36% Funding: Raised $35.0M across 2 rounds · 2 rounds over 6 yrs (0.3/yr) Growth: Fresh capital in last 24 mo rank vs industry peers · Fliar Intelligence Index 42/100 | $35M | 9 mo ago | 44 | 2020 | Mike Yu cofounder | — | 26 patents Emergency communications routing and network management for public safety services | — |
| 31 | Payabli Payment processing solutions for corporates and merchants | $32M | 12 mo ago | 33 | 2020 | Joseph Phillips Co-Founder & Co-CEO | — | — | — |
| 32 | Every Provider of financial, HR, and payroll management services | $32M | 21 mo ago | 30 | 2021 | Barry Peterson CTO & Co-Founder | — | — | 2 launchs · 1 partnership |
| 33 | Clearspeed Provider of AI and voice-based risk assessment platform | $27M | 11 mo ago | 100 | 2016 | Kurt Martin Co-Founder | — | 2 patents Audio sample quality control and assessment in digital sound processing | — |
| 34 | Pinpoint Provider of risk selection platform using behavioral predictors and advanced AI | $23M | 20 mo ago | 19 | 2015 | — | — | 18 patents Secure data exchange and AI-driven 3D model parameter estimation for customized analytics | — |
| 35 | BRM AI-powered vendor and procurement management solutions for finance and compliance | $22M | 18 mo ago | — | 2022 | Fabian Frank Co-Founder | — | — | 2 launchs |
| 36 | Informed Developer of an aggregation API solutions for banking 53AI top 15%Product top 33%News top 34%Funding top 35% All 10 signals ▾AItop 15% Producttop 33% Newstop 34% Fundingtop 35% Moattop 37% Talentbottom 49% Patentsbottom 48% Marketbottom 45% Innovationbottom 45% Globalbottom 37% AI: Holds AI/ML patents (G06N-family CPC) Product: 1 product launch event in 12 mo, 1 the year before · Company stage: Series B rank vs industry peers · Fliar Intelligence Index 53/100 | $20M | 6 mo ago | 51 | 2016 | Justin Wickett Co-Founder & CEO | — | 8 patents Patents concentrated in computing, sensing & instrumentation | — |
| 37 | Kick Provider of bookkeeping, audit risk, tax saving, and other accountant services 60AI top 20%Tech top 25%Funding top 33%Growth top 35% All 6 signals ▾AItop 20% Techtop 25% Fundingtop 33% Growthtop 35% Globalbottom 29% Marketbottom 28% AI: Classified as an AI company Tech: 44 technologies across 5/8 capability areas · Cloud: Amazon Alb, Amazon Web Services rank vs industry peers · Fliar Intelligence Index 60/100 | $20M | 7 mo ago | 11 | 2010 | — | — | — | — |
| 38 | Interface AI AI-based platform to create Intelligent Virtual Assistants | $20M | 19 mo ago | 131 | 2017 | Bruce Kim Co-Founder & CTO | — | 358 patents Advanced flooring and textile manufacturing, digital printing, and carbon‑sequestering surface technologies. | 2 awards |
| 39 | GreenFi Provider of checking, savings, and investment accounts with planet protection | $17M | 13 mo ago | — | 2013 | Tim Newell Founder & CEO | +5% | — | — |
| 40 | Fair Play Developer of an AI-based automated fair lending compliance management solution | $14M | 15 mo ago | 12 | 2020 | John Merrill Co-Founder & CTO | — | — | — |
| 41 | Pontoro Provider of an online platform for trading loan portfolios 32Funding top 31%Moat top 31%Patents top 37%Innovation top 38% All 9 signals ▾Fundingtop 31% Moattop 31% Patentstop 37% Innovationtop 38% Talentbottom 49% Globalbottom 40% Techbottom 30% Marketbottom 28% Newsbottom 22% Funding: Raised $13.8M across 4 rounds · 4 rounds over 5 yrs (0.8/yr) Moat: Editorial + unicorn rating 7/10 · IP moat: 16 patents rank vs industry peers · Fliar Intelligence Index 32/100 | $14M | 5 mo ago | 15 | 2018 | Bob Dewing Co-Founder | — | 16 patents Blockchain-based tokenization and automated liquidity pool infrastructure for digital assets. | — |
| 42 | Lender Price Competitive analytics and pricing engine for the mortgage industry | $8M | 16 mo ago | 54 | 2015 | — | — | — | 1 partnership |
| 43 | Karus AI-based credit assessment software | $8M | 6 mo ago | 8 | 2020 | Aaron Travis CEO Co-Founder Karus Inc. | — | — | — |
| 44 | Monnai Online platform offering API-enabled banking suite for banks and fintech companies | $4M | 5 mo ago | 3 | 2021 | Pierre Demarche Co-Founder & CEO | — | — | — |
| 45 | Casca Provider of AI-powered loan origination system for banks | $4M | 9 mo ago | — | 2023 | Lukas Haffer Co-Founder | — | — | 2 awards |
| 46 | Prosperos Mobile banking platform | $3M | 13 mo ago | — | 2023 | Vinay Pai Cofounder and CEO | — | — | — |
| 47 | Friendlycares Provider of AI-powered document processing and data extraction for insurance workflows | $1M | 14 mo ago | 69 | 2019 | — | — | — | — |
| 48 | Origence Provider of loan origination, marketing, and CRM solution | $1M | 6 mo ago | 184 | 2016 | Tony Boutelle CEO & President | — | — | — |
| 49 | Kita Provider of document intelligence platform for emerging market lending companies | $500K | 5 mo ago | — | 2026 | Rhea Malhotra Co-Founder | — | — | — |
| 50 | Boom Developer of software for automated financial document analysis and extraction | $250K | 2 mo ago | — | 2024 | Lee Alexander Co-Founder & CTO | — | — | — |
Top 12 Banking Tech companies in California
#1
Mercury 🦄Series D · San Francisco, California · founded 2017 · 1 employees$146Mraised▾
Mercury 🦄
Series D · San Francisco, California · founded 2017 · 1 employees
Provider of a comprehensive online platform offering a range of financial services. The company provides integrated banking services for businesses, offering a platform to manage financial operations.
Fliar Intelligence Index™ 80how this company ranks against its industry peers
AI
top 15%Growth
top 20%Tech
top 24%Funding
top 25%Talent
top 28%Customers
top 30%AI: Holds AI/ML patents (G06N-family CPC)
Growth: Revenue +474% YoY · Web rank 500,000 → 100,000 YoY · App-install growth +74% YoY
Tech: 50 technologies across 6/8 capability areas · Cloud: Amazon Alb, Amazon Cloudfront · Devops: Envoy
Audience (LinkedIn): 119k LinkedIn followers — 5.6% of this cohort's audience
Activity (LinkedIn): 2 product launches announced in 12 mo
Funding rounds
- May 2026Series D$200M
- Mar 2025Series C$200M
- Oct 2024Conventional Debt$100M
- Jul 2021Series B$120M
Founders & team
Investors
CRV, Andreessen Horowitz, Dreamers, 35V, Serena Ventures, Clocktower Ventures
Tech stack
Alpine.JsAmazon AlbAmazon CloudfrontAmazon Web ServicesAmplitudeApple Icloud Mail
#2
Slash 🦄Series C · San Francisco, California · founded 2019 · 17 employees$160.1Mraised▾
Slash 🦄
Series C · San Francisco, California · founded 2019 · 17 employees
Provider of financial services for high-spending businesses. It offers business checking accounts, corporate cards with cashback rewards, and access to working capital through partner lenders. The platform includes features such as virtual accounts, robust analytics tools, and APIs for automation. Enhanced FDIC insurance is provided through partner banks. The services are designed to streamline financial management for businesses, offering tools for expense tracking, budgeting, and multi-entity management.
Fliar Intelligence Index™ 64how this company ranks against its industry peers
Funding
top 18%Moat
top 27%Growth
top 28%Tech
top 37%Talent
bottom 49%Global
bottom 48%Funding: Raised $160M across 4 rounds · 4 rounds over 5 yrs (0.8/yr) · Last round Series C (Apr 2026)
Moat: Unicorn · 4 curated direct competitors tracked
Growth: Web rank 5,000,000 → 1,000,000 YoY · Fresh capital in last 24 mo
Funding rounds
- Apr 2026Series C$100M
- May 2025Series B$41M
- May 2023Series A$19M
- 2021Seed$125K
Founders & team
Investors
Goodwater Capital, New Enterprise Associates, Menlo Ventures, Y Combinator, Soma Capital, Global Founders Capital
Tech stack
Amazon Web ServicesApple Icloud MailCloudflareCloudflare Bot ManagementCore-JsFacebook Pixel
#3
Public · Long Beach, California · founded 2011 · 25 employees$83.3Mraised▾
Public · Long Beach, California · founded 2011 · 25 employees
AI and cloud based identity proofing and authentication solutions for enterprises. Its offering includes biometric identity proofing, authentication ID, facial biometric authentication, and fingerprint authentication. It also offers services such as technical supports and consulting. It caters to government and privates companies.
Fliar Intelligence Index™ 45how this company ranks against its industry peers
Funding
top 26%News
top 31%Product
top 33%Tech
top 37%Growth
top 42%Fin. health
top 48%Funding: Raised $83.3M across 19 rounds · 19 rounds over 4 yrs (4.8/yr) · Last round Post IPO (Apr 2026)
News: 9 BI events in 12 mo (of 47 tracked, 7 types) · -10% YoY · 5 high-value events (IPO/M&A/funding/contracts) in 12 mo
Product: 1 product launch event in 12 mo · 1 published app (51 installs) · Company stage: Public
Audience (LinkedIn): 3k LinkedIn followers
Activity (LinkedIn): 1 product launches · 6 partnerships (incl. US banking infrastructure provider serving 100+ banks) announced in 12 mo
Funding rounds
- Apr 2026Post IPO$4.2M
- Jun 2023Post IPO$4.1M
- May 2023Post IPO$9M
- Mar 2022Post IPO$22.5M
Founders & team
Investors
Wilmot Advisors, Varana Capital, Las Olas Capital
Tech stack
Atlassian StatuspageCloudflareCloudflare Bot ManagementCookie NoticeCore-JsDivi
#4
Feedzai 🦄Series E · San Mateo, California · founded 2011 · 597 employees$282Mraised▾
Feedzai 🦄
Series E · San Mateo, California · founded 2011 · 597 employees
Provider of an AI-native platform for fraud and financial crime prevention. The platform offers solutions for scam prevention, identity verification, fraud detection, and anti-money laundering compliance. It includes features such as new account fraud prevention, transaction monitoring, and risk management. The platform serves industries including retail banks, payment service providers, and government entities. It helps to ensure trusted digital identity and reduce compliance costs.
Fliar Intelligence Index™ 92how this company ranks against its industry peers
News
top 15%Funding
top 16%Product
top 21%Moat
top 26%Market
top 28%Growth
top 29%News: 8 BI events in 12 mo (of 24 tracked, 5 types) · +700% YoY · 8 high-value events (IPO/M&A/funding/contracts) in 12 mo
Funding: Raised $282M across 6 rounds · 6 rounds over 15 yrs (0.4/yr) · Last round Series E (Oct 2025)
Product: 5 distinct product lines · Company stage: Series E
Audience (LinkedIn): 164k LinkedIn followers — 7.7% of this cohort's audience
Funding rounds
- Oct 2025Series E$75M
- Mar 2021Series D$200M
- Oct 2017Series C$50M
- Oct 2016Series B—
Founders & team
Investors
KKR, Sapphire Ventures, Citi, Citi Ventures, Novabase Capital, Armilar Venture Partners
Tech stack
Amazon SesAmazon Web ServicesApache Http ServerApple Icloud MailCloudflareCloudflare Bot Management
#5
Series D · San Ramon, California · founded 2016 · 2500 employees$125Mraised▾
Series D · San Ramon, California · founded 2016 · 2500 employees
Provider of digital banking platform solutions for credit unions and banks. The platform offers retail and commercial banking, plus digital account opening capabilities. Platform solutions include user engagement, admin support, and risk management. Digital marketing, data analytics, and extensibility options are available.
Fliar Intelligence Index™ 67how this company ranks against its industry peers
Funding
top 20%Partners
top 31%Innovation
top 32%News
top 35%Talent
top 35%Product
top 37%Funding: Raised $125M across 3 rounds · 3 rounds over 5 yrs (0.6/yr) · Last round Series D (Dec 2025)
Partners: 3 contract events in 12 mo · Named contractor/client in 3 deals
Innovation: 4 new-product events in 24 mo
Audience (LinkedIn): 14k LinkedIn followers
Funding rounds
- Dec 2025Series D$25M
- Nov 2024Series D$161.6M
- Aug 2021Series C$54M
Founders & team
Investors
PSCU, Light Street Capital, NewView Capital, Partners Group
Tech stack
Animate.CssApple Icloud MailCdnjsClickceaseCloudflareCloudflare Bot Management
#6
Series D · Burbank, California · founded 2009 · 108 employees$119Mraised▾
Series D · Burbank, California · founded 2009 · 108 employees
Provider of AI-enabled credit risk assessment platform. It provides users with a loan life cycle management suite for banks and financial institutions. Its services include data processing, automated documentation and compliance validation, deployment and integration, and more. It identifies borrowers' and lenders' credit risk through assessments and automated decisions.
Fliar Intelligence Index™ 64how this company ranks against its industry peers
AI
top 20%Funding
top 21%Moat
top 26%Patents
top 31%Innovation
top 36%Product
top 41%AI: Classified as an AI company
Funding: Raised $119M across 10 rounds · 10 rounds over 15 yrs (0.7/yr) · Last round Series D (Nov 2025)
Moat: Editorial + unicorn rating 8/10 · IP moat: 216 patents · Soonicorn
Audience (LinkedIn): 127k LinkedIn followers — 6.0% of this cohort's audience
Funding rounds
- Nov 2025Series D—
- Dec 2024Series D$200M
- May 2024Series D—
- Nov 2022Series C$50M
Founders & team
Investors
Baidu, Thiel Capital, Northgate Capital, Lightspeed Venture Partners, Kensington Capital Holdings, Eastward Capital Partners
Tech stack
Amazon SesAmazon Web ServicesAosApple Icloud MailBootstrapCdnjs
#7
Plaid 🦄Series E · San Francisco, California · founded 2012 · 883 employees$734.3Mraised▾
Plaid 🦄
Series E · San Francisco, California · founded 2012 · 883 employees
Provider of a network for connecting financial accounts to applications. It offers tools for payments, identity verification, and fraud prevention. The network facilitates access to financial data and insights. It also provides solutions for credit underwriting and open finance connectivity.
Fliar Intelligence Index™ 90how this company ranks against its industry peers
Patents
top 13%Innovation
top 19%Funding
top 19%Moat
top 19%Tech
top 21%Market
top 26%Patents: 170 patents matched (strict assignee match) · 131 filings since 2022 vs 39 in 2017-21 · Latest publication 2026
Innovation: 170 patents (top 5% of patent-holders) · 131 filings since 2022 vs 39 in 2017-21
Funding: Raised $734M across 7 rounds · 7 rounds over 13 yrs (0.5/yr) · Last round Series E (Apr 2025)
Audience (LinkedIn): 252k LinkedIn followers — 11.9% of this cohort's audience
Funding rounds
- Apr 2025Series E$575M
- Aug 2021Series D—
- Mar 2021Series D$425M
- Sep 2019Series C—
Founders & team
Investors
Spark Capital, New Enterprise Associates, Felicis Ventures, Homebrew, Google Ventures, Altimeter Capital
Tech stack
6SenseAdobe Audience ManagerAlgoliaAmazon CloudfrontAmazon S3Amazon Ses
#8
Series D · San Francisco, California · founded 2016 · 51 employees$121.2Mraised▾
Series D · San Francisco, California · founded 2016 · 51 employees
Provider of unified consumer credit data infrastructure and analytics platform. The company enables lenders and other financial institutions to access and orchestrate consumer-permissioned credit, banking, payroll, and document data through a single integration for underwriting and onboarding workflows. Its platform underpins three core products a cash flow underwriting solution using bank transaction data, an automated income verification solution, and a cross border credit product that translates international credit histories into standardized reports. Services help clients expand approval rates for underserved or thin file consumers, reduce fraud, improve debt-to-income assessment, and maintain compliance as a consumer reporting agency under applicable regulations.
Fliar Intelligence Index™ 50how this company ranks against its industry peers
Funding
top 21%Moat
top 31%News
top 33%Tech
top 41%Product
top 41%Growth
top 43%Funding: Raised $121M across 7 rounds · 7 rounds over 10 yrs (0.7/yr) · Last round Series D (Oct 2025)
Moat: Editorial + unicorn rating 8/10 · Soonicorn · 9 curated direct competitors tracked
News: 3 BI events in 12 mo (of 15 tracked, 4 types) · Top themes: Capital raise, Leadership, Funding
Audience (LinkedIn): 20k LinkedIn followers
Activity (LinkedIn): 1 partnerships (incl. Sallie Mae) announced in 12 mo
Funding rounds
- Oct 2025Series D$35M
- Oct 2023Series C$45M
- Sep 2022Series B$10M
- Feb 2020Series B$50M
Founders & team
Investors
Kleiner Perkins, Canapi Ventures, Index Ventures, General Catalyst, Nyca Partners, Sound Ventures
Tech stack
Amazon CloudfrontAmazon Web ServicesApple Icloud MailAws Certificate ManagerCdnjsCloudflare
#9
Varo 🦄Series G · San Francisco, California · founded 2015 · 816 employees$991.3Mraised▾
Varo 🦄
Series G · San Francisco, California · founded 2015 · 816 employees
Digital bank for individuals. It offers services such as savings accounts, money transfers, cash withdrawals, NFC-enabled debit cards for online/offline purchases, tools for future savings, and more. The application is available on iOS and Android platforms.
Fliar Intelligence Index™ 80how this company ranks against its industry peers
Funding
top 15%Tech
top 16%Customers
top 18%Moat
top 26%Market
top 30%Product
top 38%Funding: Raised $991M across 8 rounds · 8 rounds over 10 yrs (0.8/yr) · Last round Series G (Jan 2025)
Tech: 46 technologies across 7/8 capability areas · Cloud: Amazon S3, Amazon Web Services · Devops: Envoy
Customers: Play-Store rating 4.52★ across 244,627 ratings (2 apps) · Review volume +9% in 6 mo · Marquee-customer mentions: top 13% of tracked companies
Audience (LinkedIn): 69k LinkedIn followers — 3.3% of this cohort's audience
Activity (LinkedIn): 2 partnerships · 5 awards (incl. Pinwheel) announced in 12 mo
Funding rounds
- Jan 2025Series G$123.9M
- Sep 2021Series E$510M
- Feb 2021Series D$63M
- Jun 2020Series D$241M
Founders & team
Investors
Warburg Pincus, The Rise Fund, Gopher Assets, Eldridge Industries, Marshall Wace, Berkshire Partners
Tech stack
Amazon S3Amazon Web ServicesAmplitudeApolloCloudflareCloudflare Bot Management
#10
Series C · San Francisco, California · founded 2016$91Mraised▾
Series C · San Francisco, California · founded 2016
Platform enabling T-bill investing for businesses. It is a vertically integrated financial institution, combining its nationally chartered bank and registered broker-dealer to hold cash as T-bills in custody.
Fliar Intelligence Index™ 40how this company ranks against its industry peers
Funding
top 20%Growth
top 35%Product
top 46%Moat
top 47%Tech
bottom 49%Talent
bottom 49%Funding: Raised $91.0M across 6 rounds · 6 rounds over 10 yrs (0.6/yr) · Last round Series C (Oct 2025)
Growth: Fresh capital in last 24 mo
Product: 0 product launch events in 12 mo · 1 published app (68.5k installs) · Company stage: Series C
Audience (LinkedIn): 3k LinkedIn followers
Funding rounds
- Oct 2025Series C—
- Dec 2024Series C$29M
- Oct 2022Series B$40M
- Oct 2020Series A$40M
Founders & team
Investors
Upfront Ventures, Radicle Impact Partners, Social Capital, 500 Global, Digital Currency Group, Core Innovation Capital
Tech stack
Amazon SesAmazon Web ServicesCookieyesDatocmsGoogle WorkspaceHsts
#11
Series F · Dublin, California · founded 2009 · 74 employees$47Mraised▾
Series F · Dublin, California · founded 2009 · 74 employees
Financial wellness platform empowering institutions to drive growth and strengthen relationships. It is a B2B SaaS platform that combines credit score access, personalized offers, and streamlined account onboarding with deep analytics. This helps financial institutions strengthen customer relationships, increase deposits, and drive loan growth. The platform provides a personalized credit score experience, offering unlimited credit scores, reports, credit monitoring, goal tracking, and education. It identifies behavioral trends and wallet share gaps, enabling targeted marketing campaigns. The platform also streamlines lending and deposits with end-to-end automated workflows across online, mobile, and in-branch channels. It is a data-powered solution for financial wellness, smarter marketing, and sustainable growth.
Fliar Intelligence Index™ 69how this company ranks against its industry peers
Growth
top 25%Funding
top 26%Tech
top 30%Product
top 32%Moat
top 36%Innovation
top 39%Growth: Headcount 36 → 74 (+106%) across vintages · 2 acquisition/expansion moves in 24 mo · Fresh capital in last 24 mo
Funding: Raised $47.0M across 3 rounds · 3 rounds over 16 yrs (0.2/yr) · Last round Series F (Oct 2025)
Tech: 53 technologies across 5/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 · Devops: Nginx
Audience (LinkedIn): 10k LinkedIn followers
Activity (LinkedIn): 1 awards announced in 12 mo
Funding rounds
- Oct 2025Series F$225M
- Jan 2022Series E$45M
- Sep 2016Series D—
- Sep 2010Series A—
Founders & team
Investors
New Cycle Capital, Tugboat Ventures, Core Innovation Capital, Spectrum Equity, TransUnion, TB Capital
Tech stack
AccessibeAmazon CloudfrontAmazon S3Amazon Web ServicesApple Icloud MailAtlassian Statuspage
#12
Zeta 🦄Series D · San Ramon, California · founded 2015 · 1271 employees$340Mraised▾
Zeta 🦄
Series D · San Ramon, California · founded 2015 · 1271 employees
Provider of technology platforms and integrated services for financial institutions. The company offers platforms to scale banking services, including processing, digital experiences, conversational AI, and data analytics. Integrated services include card operations, customer service, and bespoke software development. The company provides resources such as research, case studies, and blogs.
Fliar Intelligence Index™ 74how this company ranks against its industry peers
Patents
top 20%Funding
top 24%Innovation
top 29%Tech
top 29%Market
top 35%Global
top 36%Patents: 156 patents matched (strict assignee match) · 101 filings since 2022 vs 52 in 2017-21 · Latest publication 2026
Funding: Raised $340M across 4 rounds · 4 rounds over 7 yrs (0.6/yr) · Last round Series D (Feb 2025)
Innovation: 156 patents (top 13% of patent-holders) · 101 filings since 2022 vs 52 in 2017-21
Audience (LinkedIn): 322k LinkedIn followers — 15.2% of this cohort's audience
Activity (LinkedIn): 1 partnerships (incl. Mint) announced in 12 mo
Funding rounds
- Feb 2025Series D$50M
- Mar 2022Series C$30M
- May 2021Series C$250M
- Jul 2019Series C$60M
Founders & team
Investors
Mastercard, SoftBank Vision Fund, Sodexo, Optum, JAM FINTOP, Essentialentropy Technology
Tech stack
Amazon S3Amazon Web ServicesApple Icloud MailCloudflareCloudflare Bot ManagementCore-Js
Funding & investor landscape
$14.6Btotal disclosed funding
253companies funded
667disclosed rounds
4rounds last 90 days
Most active investors
Sequoia Capital10 rounds
Notable founders
Immad Akhund
Co-Founder & CEO · Mercury
Max Tagher
Co-Founder & CTO · Mercury
Victor Cardenas
Co-Founder & CEO · Slash
Tom Thimot
CEO · AuthID
Pedro Bizarro
Co-Founder & CSO · Feedzai
Nuno Sebastiao
Co-Founder & CEO · Feedzai
Jeff Chambers
Founder & CEO · Lumin Digital
Mike Vere
Chief Executive Officer · Zest AI
Zach Perret
Co-Founder & CEO · Plaid
William Hockey
Co-Founder & Board Director · Plaid
Misha Esipov
Co-Founder & CEO · Nova Credit
Colin Walsh
Founder and CEO · Varo
Prism market signals · United States · country-scoped Prism corpus, 3,497,573 docs
Market landscape — 10 sub-themes by coverage
Share of Banking Tech coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
RESEARCH FROM California · institutions
What California researches in fintech
Southern California University for Professional Studies, USC, and UC Irvine lead California's fintech research, focusing predominantly on crowdfunding and financial distress prediction, with a cautiously contested tone (mean stance 0.22).
29 papersstance +0.2221% breakthrough46% concern
local research themes
FinTech, Crowdfunding, Digital FinanceFinancial Distress and Bankruptcy PredictionBlockchain Technology Applications and SecurityImbalanced Data Classification TechniquesMicrofinance and Financial InclusionEconomic Growth and Development
top institutions
- Southern California University for Professional Studies7
- University of Southern California7
- University of California, Irvine7
- Lincoln University - California3
- California University of Pennsylvania3
Common questions
How many Banking Tech companies are there in California, United States?
Radar tracks 555 indexable Banking Tech companies headquartered in California, United States that meet our profile-completeness bar.
What is the total funding raised by Banking Tech companies in California, United States?
The Banking Tech companies in California, United States on this list have raised a combined $14.6B in disclosed equity funding across 253 funded companies.
Which is the highest-funded Banking Tech company in California, United States?
Chime is the highest-funded Banking Tech company in California, United States, with $2.6B in disclosed equity funding.
How many Banking Tech companies in California, United States are funded?
253 of the 555 Banking Tech companies in California, United States on this list have disclosed at least one equity funding round.
How many Banking Tech unicorns are there in California, United States?
11 Banking Tech companies in California, United States on this list are valued at $1B or more.
Who are the top investors in California, United States Banking Tech companies?
The most active investors in California, United States Banking Tech companies on this list include Y Combinator, Plug and Play Tech Center, 500 Global, Nyca Partners, Menlo Ventures.
Riya SenguptaFinancials
Riya reads income statements for fun. She covers the real money in a sector — revenue, growth, who actually earns — and never met a vague claim she didn't want a number for.