Best FinTech Companies in Menlo Park, United States
The 68 best FinTech companies in Menlo Park, United States in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Robinhood.
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 Menlo Park
| # | Company | Disclosed funding | Last round | Employees | Founder | Tech stack | Web popularity | Patents & IP focus | Recent signals |
|---|---|---|---|---|---|---|---|---|---|
| 1 | Robinhood 🦄 Broker-based online trading and investment platform 94Market top 10%Fin. health top 15%Tech top 20%Moat top 20% All 10 signals ▾Markettop 10% Fin. healthtop 15% Techtop 20% Moattop 20% Producttop 22% Fundingtop 23% Customerstop 24% Growthtop 31% Talenttop 38% Globalbottom 46% Market: 2,200 employees (top 1% of Investment Tech) · Revenue ~$4.5B Fin. health: Revenue ~$4.5B (FY2021) · Net margin 77.6% rank vs industry peers · Fliar Intelligence Index 94/100 | $5.7B | 49 mo ago | 2,200 2,200 → 4,955 (+125%) | Baiju Bhatt Co-Founder & Board Director | Cart FunctionalitySentryZendesk+30 | Top 10k | — | 1 internship · 1 launch |
| 2 | Oportun Online platform for consumer loans | $204M | 82 mo ago | 1,866 1,866 → 3,785 (+103%) | Raul Vazquez CEO | WordPressApple iCloud MailMicrosoft 365+27 | Top 500k | — | 1 award |
| 3 | Ladder Provider of term life insurance policies with adjustable coverage options | $194M | 56 mo ago | 14 | Jamie Hale Co-Founder & CEO | Apple iCloud MailGoogle WorkspaceZoho+25 | Top 1M | — | 1 job opening |
| 4 | One Concern Provider of AI-based disaster management solutions | $117M | 60 mo ago | 69 | — | WordPressMySQLPHP+26 | Top 50M | — | — |
| 5 | Nomad Digital Bank for Individuals | $113M | 34 mo ago | 461 | Gabriel Pinto Co-Founder & CTO | WebflowCart FunctionalityApple iCloud Mail+25 | Top 100k | 17 patents Edge AI computer vision and surface-enhanced Raman spectroscopy for viral/analyte detection | 1 award |
| 6 | Quantifind Developer of an AI platform for financial crime risk management 74AI top 8%Funding top 20%Talent top 22%Moat top 31% All 12 signals ▾AItop 8% Fundingtop 20% Talenttop 22% Moattop 31% Globaltop 37% Growthtop 40% Producttop 41% Markettop 48% Techbottom 49% Innovationbottom 44% Patentsbottom 44% Newsbottom 21% AI: Classified as an agentic-AI company Funding: Raised $91.9M across 9 rounds · 9 rounds over 17 yrs (0.5/yr) rank vs industry peers · Fliar Intelligence Index 74/100 | $92M | 17 mo ago | 68 68 → 129 (+90%) | John Stockton Co-Founder | WordPressVisual ComposerApple iCloud Mail+28 | Top 10M | 17 patents Advanced data integration, analytics, and impact assessment for distributed advertising datasets | 1 partnership · 2 awards |
| 7 | CipherTrace Forensics and investigation tools for cryptocurrencies | $45M | 60 mo ago | 81 | — | — | — | 44 patents Cross-chain address mapping and blockchain analytics for cryptocurrency compliance and security | — |
| 8 | Paytrust Concierge bill pay service saving time and money for clients | $37M | 319 mo ago | — | Edward McLaughlin Co-Founder & CEO | Framer SitesApple iCloud MailMicrosoft 365+7 | Top 50M | — | — |
| 9 | Develop Health Provider of AI-powered prior authorization solutions for healthcare 53Funding top 30%Growth top 35%Talent top 38%AI top 45% All 7 signals ▾Fundingtop 30% Growthtop 35% Talenttop 38% AItop 45% Techbottom 47% Globalbottom 33% Marketbottom 31% Funding: Raised $31.9M across 2 rounds · 2 rounds over 1 yrs (2.0/yr) Growth: Fresh capital in last 24 mo rank vs industry peers · Fliar Intelligence Index 53/100 | $32M | 10 mo ago | — | Benjamin Easton Co-Founder & CTO | Framer SitesApple iCloud MailGoogle Workspace+14 | Top 10M | — | — |
| 10 | Arc Online platform for revenue-based financing | $31M | 46 mo ago | 29 | Nicholas Lombardo Co-Founder | — | — | — | — |
| 11 | Astra Wallet-enabled payment solution for consumers | $25M | 44 mo ago | 23 23 → 37 (+61%) | Sam Morgan Co-Founder | Apple iCloud MailGoogle WorkspaceNode.js+19 | Top 10M | — | — |
| 12 | Auditoria.AI AI-driven audit automation solutions for enterprises | $22M | 16 mo ago | 15 | Adina Simu Co-Founder & CPO | WordPressMySQLPHP+36 | Top 5M | 7 patents AI-powered extraction and normalization of business document data for automated processing | 1 launch |
| 13 | Silver Tail Systems Predictive analytics platform for enterprises | $20M | 177 mo ago | 100 | Laura Mather Founder & VP | — | — | — | — |
| 14 | PrizePool Digital bank for individuals | $19M | 61 mo ago | 12 | Joseph Woo Co-Founder | WordPressMySQLPHP+20 | Top 50M | — | — |
| 15 | Cymbal Digital media group platform exploring chain media | $18M | 47 mo ago | 18 | Shabih Rizvi Co-Founder | — | — | — | — |
| 16 | Zong Carrier billing for Virtual goods | $15M | 132 mo ago | 614 | — | Apache HTTP Server | Top 50M | — | — |
| 17 | Efex Cross-border payment platform for businesses 27Talent top 38%Funding top 39%Tech top 45%Global bottom 37% All 5 signals ▾Talenttop 38% Fundingtop 39% Techtop 45% Globalbottom 37% Marketbottom 23% Talent: 2 named leaders on record · 2 C-suite/founder profiles curated Funding: Raised $10.6M across 1 rounds · 1 rounds over 4 yrs (0.2/yr) rank vs industry peers · Fliar Intelligence Index 27/100 | $11M | 6 mo ago | 10 | Dimitri Zaninovich Co-Founder & CEO | Node.jsAnimate.cssReact+14 | Top 10M | — | — |
| 18 | Firstcard Student debit card for banking transactions | $8M | 33 mo ago | 14 | Kenji Niwa Co-founder and CEO | WebflowTurbopackNode.js+16 | Top 1M | — | — |
| 19 | Vocent Voice authentication based phone fraud prevention | $6M | 257 mo ago | — | Jeff Scheel Ex-President & CEO | — | — | 6 patents Voice biometric authentication systems for secure claimant identity verification | — |
| 20 | Modak App-based platform providing financial literacy, community, financial products, and credit score for teens | $5M | 48 mo ago | 57 | Madhu Y Co-Founder & CEO | Webflow EcommerceWebflowAmazon Web Services+20 | Top 5M | — | — |
| 21 | InfoIMAGE Printing services & document management solutions | $5M | 328 mo ago | 154 154 → 145 (-6%) | Howard Lee President & CEO | WordPressApple iCloud MailMicrosoft 365+16 | Top 50M | — | — |
| 22 | Sperax App-based wallet for multi cryptocurrencies | $5M | 70 mo ago | 26 | — | ReactReact RouterAmazon Web Services+12 | Top 10M | — | — |
| 23 | Treasury Curve Automated treasury management system optimizing cash, investments, and treasury operations | $4M | 62 mo ago | 13 | Aron Chazen CEO & Co-Founder | WordPressMySQLPHP+32 | Top 10M | — | 1 partnership |
| 24 | Joshu Digital distribution and sales solutions for insurance carriers | $4M | 64 mo ago | 22 | Roy Mill Co-Founder | WebflowApple iCloud MailGoogle Workspace+25 | Top 50M | — | — |
| 25 | aboutLife Financial guidance platform offering advice, tools, and resources for financial decisions | $3M | 128 mo ago | 6 | — | — | — | — | — |
| 26 | Yiftee Provider of software suite solutions for gift cards | $3M | 148 mo ago | 9 | Aldo Briano Co-Founder - Head of Product and Engineering | Cart FunctionalitySentryZendesk+16 | Top 5M | — | — |
| 27 | Deep Forecast Business intelligence software for financial industries | $2M | 83 mo ago | — | Loris D'acunto Co-Founder & CTO | — | — | — | — |
| 28 | Reset Provider of a credit card intended to maintain the financial health of customers | $2M | 27 mo ago | — | Wes Rodriguez Co-Founder | RubyRuby on RailsReact Router+22 | Top 5M | 7 patents IoT-enabled residential automation and modular power/communication rail distribution systems | — |
| 29 | Quantiacs Algorithmic trading platform for forex assets | $1M | 123 mo ago | 1 | — | YouTubeReactstyled-components+14 | Top 5M | — | — |
| 30 | TheCapitalNet Private Equity & Venture Capital software for fund and investor management | $500K | 94 mo ago | 16 | Manish Gupta Co-Founder and Chief Technology Officer | WordPressMySQLPHP+28 | Top 50M | — | — |
| 31 | Zimbali Software for digital cash management | $152K | 56 mo ago | 6 | Daniele Jean Pierre Co-Founder & COO | — | — | — | — |
| 32 | InterPrime Investment platform for fixed income securities | $150K | 87 mo ago | 3 | Anish K Co-Founder | — | — | — | — |
Top 12 FinTech companies in Menlo Park
#1
Seed · Menlo Park, California · founded 2022 · 10 employees$10.6Mraised▾
Cross-border payment platform for businesses. Provides benefits of blockchain to facilitate international trade payments for SMEs. Offers a solution to build trust, make payments, and give access to trade-related financial services for businesses.
- Dec 2025Seed$10.6M
- Sep 2022Seed—
#2
Series A · Menlo Park, California · founded 2022$31.9Mraised▾
Provider of AI-powered prior authorization solutions for healthcare. This platform automates the prior authorization process, integrating with electronic health records and pharmacy systems. It streamlines workflows by automating form selection, submission, and follow-up, improving approval rates and reducing administrative burden. The solution supports both provider and pharmacy-initiated requests and offers comprehensive support and customizable workflows. It ensures compliance with relevant regulations, including HIPAA and SOC 2.
- Aug 2025Series A$14.3M
- Jun 2025Series A$17.6M
#3
Series D · Menlo Park, California · founded 2009 · 68 employees$91.9Mraised▾
Developer of an AI platform for financial crime risk management. The platform combines internal data with public domain data to assess risk. It supports processes such as customer due diligence and anti-money laundering. The platform offers features such as risk screening, investigations, and reporting.
- Jan 2025Series D$22M
- Mar 2023Series D$23M
- Jan 2021Series C$22M
- Feb 2016Series C$30M
#4
Series B · Menlo Park, California · founded 2019 · 15 employees$21.6Mraised▾
Auditoria provides AI-driven audit automation solutions for enterprises. It offers technological solutions for auditing and compliance. It features Auditoria Smartflow platform, an AI-powered solution for vendor onboarding, invoice accrual, customer overpayment follow-up, variance analysis for invoices, prediction of risky customers, and more.
- Feb 2025Series B$38.9M
- Sep 2023Series A—
- Mar 2021Series A$15.5M
- Apr 2020Series A$6M
#5
Public · Menlo Park, California · founded 2013 · 2200 employees$5.7Braised▾
Broker-based online trading and investment platform. It offers tools for building investment strategies and tracking market trends. It facilitates trading in stocks, funds, options, and crypto assets. Expert-managed portfolios are available, providing market insights and investment adjustments. The company also provides educational resources to improve investor knowledge.
- May 2022Post IPO$648M
- Jan 2021Series H$3.4B
- Jan 2021Conventional Debt$500M
- Sep 2020Series G$460M
#6
Series B · Menlo Park, California · founded 2019 · 461 employees$113Mraised▾
Digital Bank for Individuals. Its banking services include money transfers, cash withdrawal, virtual debit cards for online/offline purchases, currency exchange, and more. It also provides tools for personal finance management.
- Aug 2023Series B$61M
- May 2022Series B$32M
- Jul 2021Series A$20M
#7
Series D · Menlo Park, California · founded 2015 · 14 employees$193.6Mraised▾
Provider of term life insurance policies with adjustable coverage options. It offers individuals the ability to apply for term life insurance and adjust their coverage as their needs change. Policies are issued by insurers, with options for cancellation and refunds. The company focuses on providing term life insurance, contrasting it with whole life insurance, and offers resources like a coverage calculator to help individuals determine their insurance needs.
- Oct 2021Series D$100M
- Mar 2020Series C$37.5M
- May 2018Series B$10M
- Jan 2018Series B$30M
#8
Public · Menlo Park, California · founded 2005 · 1866 employees$204.2Mraised▾
Online platform for consumer loans. It provides loans without collateral to clients using a proprietary risk scoring system. It is offering personal loans and personal credit lines with a flexible repayment plan. It helps users build their credit history by reporting customer accounts to credit bureaus. It also offers credit cards to customers for making both online and offline payments.
- Aug 2019Conventional Debt$279.4M
- Jan 2019Conventional Debt$400M
- Mar 2018Conventional Debt$200M
- Feb 2015Series G$90.2M
#9
Series B · Menlo Park, California · founded 2015 · 69 employees$116.6Mraised▾
Provider of AI-based disaster management solutions. It estimates damage caused by a natural disaster using artificial intelligence and natural phenomenon science. Provides emergency operations center with instant situation awareness which would let the disaster recovery and resource allocation be more efficient. Uses predictive analytics to create post-disaster damage maps to help in recovery. Also provides planning platforms to be prepared for the next incident.
- Jun 2021Series B$45M
- Sep 2020Series B$15M
- Nov 2019Series B$36.6M
- Dec 2017Series A$20M
#10
Series A · Menlo Park, California · founded 2016 · 23 employees$25Mraised▾
Wallet-enabled payment solution for consumers. Enables to send and receive money giving flexibility and control over finances.
- Oct 2022Conventional Debt$30M
- Oct 2022Series A$10M
- Sep 2022Series A$13.3M
- Aug 2019Seed$1.7M
#11
Seed · Menlo Park, California · founded 2020 · 14 employees$7.7Mraised▾
Student debit card for banking transactions. Provides a mobile application to college students for banking transactions, payment at student clubs, merchant payments, and discounts, savings on shopping using the card. Application is made available for Android and iOS devices.
- Sep 2023Seed$4.7M
- 2022Seed$3M
#12
Series A · Menlo Park, California · founded 2021 · 29 employees$31Mraised▾
Operator of a financial services platform intended to offer fast and non-dilutive growth capital. The company helps to convert future revenue into upfront capital without dilution and also offers access to financial tools to save, spend, and efficiently manage capital, enabling software founders to borrow, and spend while leveraging proprietary insights to grow efficiently.
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
Common questions
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.