Best FinTech Companies in Massachusetts, United States
The 759 best FinTech companies in Massachusetts, United States in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Circle.
Biggest earners American Express Co ($10.5B, +9% YoY), Mastercard Inc ($8.3B, +13% YoY), Flex Ltd. ($6.6B, +4% YoY), Fiserv Inc ($5.0B, +10% YoY)
Our analysis of 243 FinTech companies
$56.0b in tracked funding; 98% of the stack-profiled cohort runs cloud-native; funding activity peaked in 2025.
Ranked: Best FinTech companies in Massachusetts
| # | Company | Disclosed funding | Last round | Employees | Founder | Stage | Patents & IP focus | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | Circle 🦄 Cross-border payment solution for businesses focusing on cryptocurrency | $1.0B | 33 mo ago | 642 642 → 1,518 (+136%) · sector median +57% | Ryan Feit CEO & Co-Founder | Public | 8 patents Patents concentrated in electrical & electronics | 2 partnerships |
| 2 | TimePayment Online lending solution for equipment financing | $760M | 45 mo ago | 230 230 → 162 (-30%) · sector median +57% | — | Funding Raised | — | — |
| 3 | Transmit Security 🦄 Customer identity management solution provider | $543M | 59 mo ago | 332 | Rakesh Loonkar President & Co-Founder | Series A | — | — |
| 4 | Cambridge Mobile Telematics Provider of AI-powered telematics and mobility safety solutions 74Patents top 10%Funding top 19%Moat top 26%Product top 28% All 13 signals ▾Patentstop 10% Fundingtop 19% Moattop 26% Producttop 28% Talenttop 28% Innovationtop 29% Newstop 29% AItop 35% Markettop 42% Techtop 42% Globalbottom 47% Growthbottom 44% Customersbottom 39% Patents: 394 patents matched (strict assignee match) · 258 filings since 2022 vs 126 in 2017-21 Funding: Raised $502M across 3 rounds · 3 rounds over 12 yrs (0.2/yr) rank vs industry peers · Fliar Intelligence Index 74/100 | $502M | 2 mo ago | 318 318 → 482 (+52%) · sector median +57% | William Powers Co-Founder & CEO | Series D | 337 patents Patents concentrated in computing, sensing & instrumentation | 1 award |
| 5 | Capchase Provider of an online revenue-based financing platform for SaaS businesses 74Funding top 14%Talent top 28%Moat top 31%Global top 34% All 9 signals ▾Fundingtop 14% Talenttop 28% Moattop 31% Globaltop 34% Growthtop 37% Markettop 42% Producttop 45% Techtop 48% Newsbottom 38% Funding: Raised $495M across 7 rounds · 7 rounds over 6 yrs (1.2/yr) Talent: 4 named leaders on record · 4 C-suite/founder profiles curated rank vs industry peers · Fliar Intelligence Index 74/100 | $495M | 0 mo ago | 152 | Ignacio Pubul Co-Founder | Series C | — | 1 expansion |
| 6 | BitSight 🦄 Provider of cyber risk intelligence and exposure management solutions powered by AI | $398M | 57 mo ago | 396 396 → 724 (+83%) · sector median +57% | Steve Harvey CEO | Series E | — | 1 award |
| 7 | Forward Financing Revenue-based financing for small businesses, providing accessible and flexible capital | $342M | 60 mo ago | 160 | — | Funding Raised | — | 1 award |
| 8 | Lendbuzz 🦄 Online car loan platform 67Funding top 21%Tech top 24%Moat top 28%AI top 30% All 11 signals ▾Fundingtop 21% Techtop 24% Moattop 28% AItop 30% Markettop 38% Patentstop 40% Innovationtop 42% Newstop 45% Talentbottom 49% Globalbottom 39% Growthbottom 32% Funding: Raised $310M across 15 rounds · 15 rounds over 9 yrs (1.7/yr) Tech: 45 technologies across 6/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 rank vs industry peers · Fliar Intelligence Index 67/100 | $310M | 32 mo ago | 300 | Amitay Kalmar Co-Founder & CEO | Series C | 9 patents AI-driven fraud detection and compliance analytics for user behavior, image, and document verification | 10 job openings |
| 9 | Flywire Provider of payment and software solutions for various business sectors | $263M | 63 mo ago | 171 | — | Public | — | 2 partnerships · 1 award |
| 10 | Openly Premium home insurance provider supporting independent agents 74Funding top 15%Growth top 18%News top 19%Moat top 31% All 9 signals ▾Fundingtop 15% Growthtop 18% Newstop 19% Moattop 31% Techtop 33% Producttop 41% Partnerstop 45% Marketbottom 48% Globalbottom 37% Funding: Raised $238M across 8 rounds · 8 rounds over 7 yrs (1.1/yr) Growth: Headcount 44 → 157 (+257%) across vintages · Fresh capital in last 24 mo rank vs industry peers · Fliar Intelligence Index 74/100 | $238M | 1 mo ago | 157 157 → 376 (+139%) · sector median +57% | — | Series E | — | 2 awards |
| 11 | Hometap Provider of Home loans | $172M | 6 mo ago | 231 231 → 290 (+26%) · sector median +57% | — | Series B | — | 1 expansion · 1 award |
| 12 | Insurify Online comparison platform for car insurance | $154M | 37 mo ago | 67 | Giorgos Zacharia Co-founder and Board Member | Series B | — | — |
| 13 | CODAMETRIX Provider of AI-based medical coding software for healthcare professionals 50Funding top 28%AI top 30%Tech top 36%Moat top 38% All 9 signals ▾Fundingtop 28% AItop 30% Techtop 36% Moattop 38% Talentbottom 49% Marketbottom 43% Growthbottom 36% Globalbottom 32% Newsbottom 21% Funding: Raised $97.4M across 3 rounds · 3 rounds over 4 yrs (0.8/yr) AI: Classified as an AI company · Product described with: ai-based rank vs industry peers · Fliar Intelligence Index 50/100 | $97M | 14 mo ago | 68 68 → 114 (+68%) · sector median +57% | Hamid Tabatabaie President and CEO | Series B | — | 1 job opening |
| 14 | Gradient AI-based claims automation and auditing solutions for the insurance industry 62Funding top 24%Product top 28%Moat top 32%Tech top 36% All 13 signals ▾Fundingtop 24% Producttop 28% Moattop 32% Techtop 36% Innovationtop 42% AItop 45% Patentstop 46% Growthtop 49% Marketbottom 49% Talentbottom 49% Newsbottom 46% Globalbottom 40% Partnersbottom 35% Funding: Raised $89.7M across 4 rounds · 4 rounds over 7 yrs (0.6/yr) Product: 1 product launch event in 12 mo, 1 the year before · 3 distinct product lines rank vs industry peers · Fliar Intelligence Index 62/100 | $90M | 3 mo ago | 108 108 → 130 (+20%) · sector median +57% | Stan Smith Founder & CEO | Series C | 28 patents Patents concentrated in health & consumer products | 1 award |
| 15 | Empyrean Provider of financial software for risk and performance management solutions | $74M | 18 mo ago | 43 | Chris Maclin CEO | Late Stage | — | — |
| 16 | Coin Metrics Crypto asset market and network data provider | $65M | 32 mo ago | 103 | Alexander Bich Co-Founder | Acquired | 3 patents Blockchain data modeling and risk analytics infrastructure for distributed ledger networks | — |
| 17 | Digital Onboarding Lead nurturing platform for bank and credit unions | $62M | 28 mo ago | 50 | Ted Brown Cofounder | Series B | — | 2 partnerships |
| 18 | OneShield Cloud-based insurance policy and claims management solutions for the p&c insurance industry | $52M | 15 mo ago | 105 | Vivek Gujral Founder & CTO | Series E | — | 2 partnerships |
| 19 | Traive Provider of credit risk analysis and agricultural asset management solutions | $51M | 28 mo ago | 14 | Fabricio Pezente CEO | Series B | 2 patents Hierarchical ensemble machine‑learning inference architectures integrating multiple subsidiary models | — |
| 20 | Flipside Crypto Provider of curated blockchain data and AI agent service platform 83Funding top 20%Moat top 22%Growth top 29%Talent top 35% All 7 signals ▾Fundingtop 20% Moattop 22% Growthtop 29% Talenttop 35% Techtop 38% Markettop 39% Globalbottom 38% Funding: Raised $50.0M across 5 rounds · 5 rounds over 4 yrs (1.2/yr) Moat: Editorial + unicorn rating 8/10 · Soonicorn rank vs industry peers · Fliar Intelligence Index 83/100 | $50M | 8 mo ago | 62 | Jim Myers Co-Founder & CTO | Series A | — | — |
| 21 | MetaStreet P2P liquidity platform for NFT collateral | $49M | 28 mo ago | 9 | Conor Moore Founder | Series A | — | — |
| 22 | Posh Provider of AI platform and solutions for financial service institutions | $45M | 24 mo ago | 74 74 → 178 (+141%) · sector median +57% | Karan Kashyap Co-Founder & CEO | Series A | — | — |
| 23 | eMaxx Provider of software suite solutions for the insurance industry | $37M | 21 mo ago | 51 | Brian McCarthy Group CEO | Series B | — | — |
| 24 | ClearGov Provider of cloud based budget and performance management software | $35M | 27 mo ago | 140 140 → 335 (+139%) · sector median +57% | Bryan Burdick President & Co-Founder | Series B | — | 1 award |
| 25 | PaymentWorks Provider of vendor management software for vendor onboarding and payments | $34M | 29 mo ago | 56 56 → 131 (+134%) · sector median +57% | Alan Greenblatt CTO & Co-founder | Series A | — | — |
| 26 | Wagmo Provider of monthly membership plans for pet insurance and routine care | $28M | 28 mo ago | 38 38 → 59 (+55%) · sector median +57% | Alison Foxworth Co-Founder | Series A | — | 1 expansion |
| 27 | LearnLux Personal finance skills through online learning tools | $25M | 28 mo ago | 16 | Michael Liebman Co-Founder and COO | Series A | — | 1 award |
| 28 | SYSO Technologies Provider of renewable energy storage and management solutions 35Funding top 36%Talent top 38%Moat top 39%Market bottom 40% All 5 signals ▾Fundingtop 36% Talenttop 38% Moattop 39% Marketbottom 40% Globalbottom 29% Funding: Raised $24.5M across 5 rounds · 5 rounds over 5 yrs (1.0/yr) Talent: 2 named leaders on record · 2 C-suite/founder profiles curated rank vs industry peers · Fliar Intelligence Index 35/100 | $24M | 5 mo ago | 22 22 → 44 (+100%) · sector median +57% | Christopher Gosline Co-Founder & CEO | Series B | — | — |
| 29 | VIA Developer of Web3 solutions that protect data against theft, misuse | $20M | 16 mo ago | 50 | Colin Gounden Co-Founder & CEO | Series B | — | 2 job openings · 1 partnership |
| 30 | HeraldAPI Cloud-based insurance quoting solutions for the P&C insurance industry | $20M | 20 mo ago | 22 | Duncan Crystal Co-Founder | Series A | — | 1 job opening |
| 31 | Indico Data Developer of an agentic decisioning platform for insurance underwriting and claims 72AI top 8%Innovation top 23%Talent top 28%Funding top 33% All 11 signals ▾AItop 8% Innovationtop 23% Talenttop 28% Fundingtop 33% Moattop 39% Techtop 40% Producttop 49% Marketbottom 47% Globalbottom 43% Growthbottom 40% Newsbottom 38% AI: Classified as an agentic-AI company Innovation: 4 new-product events in 24 mo · Deep-tech classification: Artificial Intelligence, Agentic Ai rank vs industry peers · Fliar Intelligence Index 72/100 | $19M | 7 mo ago | 100 | Madison May Co-Founder & CTO | Series B | — | — |
| 32 | Lynx Provider of fintech solutions in the healthcare industry | $18M | 16 mo ago | 21 | — | Series A | 8 patents Patents concentrated in computing, sensing & instrumentation | — |
| 33 | Micro Notes Provider of cloud-based marketing automation for financial institutions | $16M | 20 mo ago | 7 | Christian Klacko Co-Founder | Series C | — | — |
| 34 | EnFi An AI-powered credit analysis and risk monitoring solutions 62AI top 23%Funding top 38%Talent top 38%Market bottom 49% All 5 signals ▾AItop 23% Fundingtop 38% Talenttop 38% Marketbottom 49% Globalbottom 33% AI: Classified as an agentic-AI company · Product described with: ai-powered Funding: Raised $15.0M across 1 rounds · 1 rounds over 1 yrs (1.0/yr) rank vs industry peers · Fliar Intelligence Index 62/100 | $15M | 4 mo ago | — | Joshua Summers Co-Founder & CEO | Series A | — | 2 awards |
| 35 | PredictAP AI-based back-office solutions for real estate funds & property managers | $15M | 8 mo ago | 14 | David Stifter Founder & CEO | Series A | — | — |
| 36 | CARV Provider of an online gaming platform for PC and console games | $14M | 23 mo ago | 13 | Yiran Liu Co-Founder | Series A | — | — |
| 37 | Wunderite Provider of customer-facing solutions for insurance agencies | $11M | 13 mo ago | 17 17 → 21 (+24%) · sector median +57% | Peter Macdonald Co-founder & CEO | Series A | — | — |
| 38 | Sunwealth Clean energy investment and crowdfunding platform | $10M | 17 mo ago | 34 34 → 28 (-18%) · sector median +57% | Jon Abe CEO & Founder | Series A | — | 1 job opening · 1 award |
| 39 | DepositLink Payment management and deposit collection solutions for real estate businesses | $8M | 12 mo ago | 16 | Jay Rooney Founder & CEO | Seed | — | — |
| 40 | Koverly Accounting and payments management platform | $8M | 11 mo ago | 13 | — | Series A | — | — |
| 41 | Supply Wisdom Provider of third-party and location risk management, intelligence, and alerts | $6M | 12 mo ago | 107 | — | Series A | — | — |
| 42 | FiVerity AI based cybersecurity solutions for financial institutions | $6M | 19 mo ago | 21 | — | Series A | — | 1 launch |
| 43 | OnCorps Developer of AI platform for fund operations and reporting reviews 74Growth top 20%AI top 20%Funding top 37%Tech top 47% All 8 signals ▾Growthtop 20% AItop 20% Fundingtop 37% Techtop 47% Moattop 48% Marketbottom 44% Globalbottom 43% Newsbottom 22% Growth: Headcount 28 → 46 (+64%) across vintages · Fresh capital in last 24 mo AI: Classified as an AI company rank vs industry peers · Fliar Intelligence Index 74/100 | $6M | 6 mo ago | 46 46 → 63 (+37%) · sector median +57% | — | Series C | — | 1 job opening |
| 44 | Cognition Corporation Provider of cloud-based software for risk management tool for the healthcare & life sciences industry | $5M | 10 mo ago | 27 27 → 43 (+59%) · sector median +57% | — | Seed | 4 patents Wearable biometric sensors for rapid human performance assessment and monitoring | 1 award |
| 45 | Givzey Cloud-based platform for fundraising | $5M | 8 mo ago | 10 | — | Series A | — | — |
| 46 | Datalign Advisory Platform matching individuals with financial advisors based on specific criteria | $4M | 9 mo ago | 13 | Hilary Malecha Co-Founder | Series A | — | — |
| 47 | Foundation Online platform offering cold and hot digital asset wallets 50Growth top 35%Tech top 36%Talent top 38%Funding top 46% All 7 signals ▾Growthtop 35% Techtop 36% Talenttop 38% Fundingtop 46% Moattop 48% Globalbottom 39% Marketbottom 36% Growth: Fresh capital in last 24 mo Tech: 42 technologies across 4/8 capability areas · Cloud: Cloudflare rank vs industry peers · Fliar Intelligence Index 50/100 | $2M | 0 mo ago | — | Ken Carpenter Cofounder & Chief Technology Officer | Series A | — | — |
| 48 | FutureMoney Goal-based savings platform focused on child future | $2M | 4 mo ago | — | Dave Fortin Co-Founder | Series A | — | — |
| 49 | Grain Provider of solutions for waste management, biochar production, and carbon removal | $2M | 14 mo ago | 10 | Ryan Letourneau CEO & Co-Founder | Seed | — | — |
| 50 | Vested Online platform for asset-backed loans | $1M | 12 mo ago | 60 60 → 68 (+13%) · sector median +57% | Matt Venables Co-Founder | Seed | — | — |
Top 12 FinTech companies in Massachusetts
#1
Series C · Cambridge, Massachusetts · founded 2020 · 152 employees$494.6Mraised▾
Provider of an online revenue-based financing platform for SaaS businesses. It offers to finance for recurring revenue tech-based companies. The user must sync the financial data from banks, accounting software, and subscriptions, and the financing amount is calculated based on it. It also offers blogs, runway calculators, and more.
- May 2024Conventional Debt$114.1M
- Feb 2024Series B$5M
- Mar 2022Series B$80M
- Jul 2021Series B$280M
#2
Series D · Cambridge, Massachusetts · founded 2010 · 318 employees$502.5Mraised▾
Provider of AI-powered telematics and mobility safety solutions. It delivers real-time driving risk assessment, crash detection, driver coaching, and claims support solutions for insurers, mobility providers, gig platforms, and public sector organizations. Its AI-driven analytics engine combines data from smartphones, vehicles, and connected devices to generate actionable safety insights, helping reduce distracted driving, improve driver behavior, lower accident rates, and optimize insurance and mobility programs at global scale.
- Mar 2026Series D$350M
- Dec 2018Series C$500M
- Sep 2014Series A$2.5M
#3
Series E · Boston, Massachusetts · founded 2017 · 157 employees$237.6Mraised▾
Premium home insurance provider supporting independent agents. The platform enables independent home insurance agents to provide quotes to their clients. It offers benefits and coverages to its clients, which are sold through a network of independent agents.
- Apr 2026Series E—
- Jan 2025Series E$123M
- Jan 2025Conventional Debt$70M
- Sep 2023Series D$100M
#4
Series C · Boston, Massachusetts · founded 2018 · 108 employees$89.7Mraised▾
AI-based claims automation and auditing solutions for the insurance industry. The platform offers solutions for insurance claims management, workflow management, business processing, risk management, and more. It also offers SaaS solutions for broker analytics, risk ranking, portfolio analysis, claims to audit, and more.
- Mar 2026Conventional Debt—
- Jun 2024Series C$56.1M
- Apr 2021Series B$20M
- Oct 2019Series A$8.7M
#5
Series B · Boston, Massachusetts · founded 2003 · 231 employees$172Mraised▾
Provider of Home loans
- Dec 2025Series B$50M
- Dec 2021Series B$60M
- Dec 2019Series B$100M
- Apr 2018Series A$12M
#6
Series B · Cambridge, Massachusetts · founded 2019 · 22 employees$24.5Mraised▾
Provider of renewable energy storage and management solutions. It offers the SYSO Technology Platform - which is used to manage equipment, market data & weather data, and SYSO Technology Server - which provides installation and data security solutions.
- Dec 2025Series B$7M
- Jul 2024Series B$14.5M
- Oct 2022Series A$10M
- Apr 2022Seed$2M
#7
Series A · Boston, Massachusetts · founded 2017 · 62 employees$50Mraised▾
Provider of curated blockchain data and AI agent service platform. It offers tools for blockchain data exploration, reporting, and insights. The platform provides access to real-time and historical blockchain data via API, SQL, or direct download. Features include data exploration, AI chat, specialized agents, pre-built reports, and AI automations. It delivers data solutions for ecosystems, protocols, institutional intelligence, crosschain tracking, validator operations, and user and wallet intelligence.
- Sep 2025Series A$3.6M
- Apr 2022Series A$50M
- Sep 2019Seed$7.1M
- Nov 2018Seed$1M
#8
Series A · Boston, Massachusetts · founded 2024$15Mraised▾
An AI-powered credit analysis and risk monitoring solutions. It is a platform that provides credit risk analysis, underwriting, and portfolio management solutions for banks and private lenders. The company uses advanced AI techniques to analyze complex credit data, streamlining the lending process and managing decision-making processes.
- Feb 2026Series A$15M
#9
Series B · Boston, Massachusetts · founded 2014 · 100 employees$19Mraised▾
Developer of an agentic decisioning platform for insurance underwriting and claims. The platform streamlines submission processing, automates data enrichment, and recommends next actions. It helps insurance carriers transform complex submissions and claims into decision-ready insights. The platform supports policy changes, renewals, and customer communications with document processing and workflow automation.
- Oct 2025Series B—
- Jun 2024Series B$19M
- Dec 2020Series B$22M
- May 2019Series A$4.1M
#10
Series A · Boston, Massachusetts · founded 2020$2.5Mraised▾
Online platform offering cold and hot digital asset wallets. It offers a platform that enables users to access hardware wallets with high-resolution color display. It also offers a mobile wallet that enables users to store, send, and receive cryptocurrencies.
- May 2026Series A$6.4M
- Dec 2025Series A$13.4M
- 2022Seed$2.5M
#11
Series B · Boston, Massachusetts · founded 2018 · 68 employees$97.4Mraised▾
Provider of AI-based medical coding software for healthcare professionals. The company has developed a cloud-based platform for medical organizations and professionals to assists with autonomous coding. The platform provides clinical workflow optimization and management tools and AI-enabled medical history translators for automated reimbursements.
- Apr 2025Series B$11.6M
- Feb 2024Series B$40M
- Dec 2022Series A$57.4M
#12
Series A · Newton, Massachusetts · founded 2019 · 14 employees$14.9Mraised▾
PredictAP offers AI-based back-office solutions for real estate funds & property managers. It uses ML-driven tools for automating accounts payable and payment processing of real estate transactions. Features charts, insights, and alerts to assist in managing the administrative and transaction tracking processes.
- Sep 2025Series A$5M
- Jan 2024Series A$8M
- Nov 2023Series A$9.8M
- Jan 2021Seed$2.8M
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of FinTech coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
How research on Fintech is moving in the United States
A read on the academic research around Fintech — which themes are gaining ground, the institutions and researchers driving them, and how the tone is shifting. Based on 907 United States-affiliated papers.
- Film Independent54
- United States Department of Commerce26
- Community Partners22
- University of Virginia18
- International Monetary Fund12
- Financial services42
- Database transaction16
- Payment15
- Scalability12
- Credit risk11
- Financial services7→190
- Financial inclusion2→74
- Payment2→50
- Mobile payment3→29
- Leverage (statistics)1→21
- Financial services9→149
- Financial inclusion1→56
- Payment2→27
- Investment (military)1→19
- Cryptocurrency1→17
Where fintech is researched across United States
Location clusters by institution affiliation — each city's volume, stance tone, and a quick read on its hot topic, what's advancing, the opening opportunity, and the main concern.
Who's filing fintech patents in the United States
United States fintech patent filing is accelerating — 20 filings from 16 assignees (2016–2025), led by Mastercard International, Verifone, Financial Cloud Innovations; annual filings 1→7.
- Mastercard International20
- Verifone4
- Financial Cloud Innovations2
- Atombeam Technologies2
- Salah ALI Khalil1
- LNW Gaming1
- Kassetty Nikhil1
- DR Mariappan RAJA1