Best FinTech Companies in Wilmington, United States
The 183 best FinTech companies in Wilmington, United States in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: SumUp.
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 Wilmington
| # | Company | Disclosed funding | Last round | Employees | Founded | Founder | Patents & IP focus | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | SumUp 🦄 Provider of card payment terminals and point of sale systems 83Funding top 17%Tech top 17%News top 20%Global top 25% All 12 signals ▾Fundingtop 17% Techtop 17% Newstop 20% Globaltop 25% Customerstop 26% Talenttop 26% Moattop 28% Growthtop 34% Producttop 37% Markettop 43% Innovationtop 43% Patentsbottom 31% Funding: Raised $994M across 12 rounds · 12 rounds over 14 yrs (0.9/yr) Tech: 78 technologies across 6/8 capability areas · Cloud: Amazon S3, Amazon Ses rank vs industry peers · Fliar Intelligence Index 83/100 | $994M | 13 mo ago | 7 | 2012 | Petter Made Co-Founder | 6 patents Secure POS hardware add‑ons and tamper‑resistant security features for payment terminals | — |
| 2 | Navient Provider of loans for students | $412M | 84 mo ago | 4,500 4,500 → 3,113 (-31%) · sector median +28% | 2014 | — | — | — |
| 3 | Best Egg Online platform for personal loans | $300M | 30 mo ago | 325 | 2000 | Paul Ricci CEO | — | — |
| 4 | Lava Cryptocurrency payment ecosystem for businesses and individuals 57Funding top 15%Growth top 20%Moat top 40%Tech top 45% All 9 signals ▾Fundingtop 15% Growthtop 20% Moattop 40% Techtop 45% Producttop 46% Talentbottom 49% Marketbottom 40% Globalbottom 33% Customersbottom 17% Funding: Raised $228M across 3 rounds · 3 rounds over 2 yrs (1.5/yr) Growth: Web rank 50,000,000 → 5,000,000 YoY · Fresh capital in last 24 mo rank vs industry peers · Fliar Intelligence Index 57/100 | $228M | 7 mo ago | — | 2014 | Shehzan Maredia Founder & CEO & CTO | — | 1 launch |
| 5 | nCino Provider of a platform for digitizing and reengineering financial service processes | $222M | 53 mo ago | 997 997 → 1,657 (+66%) · sector median +28% | 2011 | Pullen Daniel Co-Founder / EVP Corporate Development | 25 patents Automated loan origination and credit risk management software for financial institutions | 2 partnerships · 1 award |
| 6 | Passport Cloud-based mobile payment platforms for parking and transit operators | $212M | 60 mo ago | 237 | 2010 | Khristian Gutierrez Chief Executive Officer | 33 patents Transdermal drug delivery systems and digital prescription management platforms | — |
| 7 | LootMogul Provider of an online sports quiz platform for NFT rewards | $200M | 44 mo ago | — | 2020 | Raj Kotia Co-Founder & CEO | — | — |
| 8 | Bancorp Payment card issuing and processing solutions for businesses | $178M | 93 mo ago | 757 757 → 868 (+15%) · sector median +28% | 2000 | — | 18 patents Financial transaction processing platforms and stable-value investment plan management systems. | 2 partnerships |
| 9 | Cleo Provider of cloud and AI-based chatbots for personal finance | $175M | 50 mo ago | 74 | 2015 | Chitra Akileswaran Co-Founder | — | — |
| 10 | Ualett App-based platform offering advance receivable management solutions for drivers 62Customers top 21%Tech top 23%Growth top 30%Funding top 34% All 8 signals ▾Customerstop 21% Techtop 23% Growthtop 30% Fundingtop 34% Newstop 40% Producttop 47% Marketbottom 38% Globalbottom 29% Customers: Play-Store rating 4.54★ across 6,937 ratings (1 apps) · Review volume +26% in 6 mo Tech: 54 technologies across 6/8 capability areas · Cloud: Amazon Ses, Amazon Web Services rank vs industry peers · Fliar Intelligence Index 62/100 | $150M | 8 mo ago | 32 | 2019 | — | — | 2 job openings |
| 11 | Swift Financial Working capital financing provider to small businesses | $116M | 122 mo ago | 222 | 2004 | — | — | — |
| 12 | Swift Capital Provides merchant cash advance | $99M | 122 mo ago | 41 | 2006 | — | — | — |
| 13 | Apiture Open banking APIs for banks and financial institutions | $79M | 31 mo ago | 258 258 → 185 (-28%) · sector median +28% | 2017 | Chris Babcock CEO | — | — |
| 14 | College Ave Student loans marketplace | $50M | 63 mo ago | 87 87 → 111 (+28%) · sector median +28% | 2014 | — | — | 2 job openings |
| 15 | Evident Online identity verification and customer PII data security and privacy | $44M | 45 mo ago | 32 32 → 69 (+116%) · sector median +28% | 2016 | David Thomas Founder & CEO | 131 patents Digital identity verification and trust infrastructure for online services | — |
| 16 | Pagos AI Provider of AI-powered platform optimizing payments data for higher conversions | $44M | 40 mo ago | 24 24 → 47 (+96%) · sector median +28% | 2021 | Daniel Blomberg Co-Founder | — | 1 launch |
| 17 | Katabat Multi-industry omnichannel marketing automation suite solutions | $22M | 70 mo ago | 68 | 2006 | Ray Peloso CEO & President | — | — |
| 18 | Rarible Online marketplace offering blockchain based digital art | $16M | 59 mo ago | 120 | 2019 | Ilya Komolkin Co-Founder | — | — |
| 19 | Safebooks AI-based financial management for businesses | $15M | 6 mo ago | — | — | Ahikam Kaufman Co-Founder & CEO | — | — |
| 20 | Chargeflow Provider of payment management software solutions to e-commerce businesses 69AI top 30%Funding top 32%Growth top 35%Talent top 38% All 9 signals ▾AItop 30% Fundingtop 32% Growthtop 35% Talenttop 38% Techtop 39% Moattop 39% Marketbottom 46% Newsbottom 38% Globalbottom 36% AI: Classified as an AI company · Product described with: ai-based Funding: Raised $14.0M across 4 rounds · 4 rounds over 3 yrs (1.3/yr) rank vs industry peers · Fliar Intelligence Index 69/100 | $14M | 7 mo ago | 58 | 2020 | Ariel Chen Co-Founder & CEO | — | — |
| 21 | Trademo Provider of technology and data insight services for global trade and logistics | $12M | 55 mo ago | 99 | 2020 | — | — | — |
| 22 | Afriex Provider of international money transfer, global accounts, and virtual cards | $11M | 49 mo ago | — | 2019 | Tope Alabi Co-Founder & CEO | — | — |
| 23 | Quavo Cloud based fraud detection solutions for card transactions | $11M | 10 mo ago | 74 74 → 158 (+114%) · sector median +28% | 2016 | Richard Jefferson Co-Founder | EVP | BOD | — | 1 internship · 1 partnership |
| 24 | CarPay Loan life cycle management software for purchase financing | $10M | 65 mo ago | 25 | 2015 | Nick Swezey Co-Founder & CTO | — | — |
| 25 | Ubyx Provider of a clearing system for stablecoin transactions 42Funding top 33%Growth top 35%Tech top 44%Talent bottom 49% All 6 signals ▾Fundingtop 33% Growthtop 35% Techtop 44% Talentbottom 49% Globalbottom 48% Marketbottom 25% Funding: Raised $10.0M across 1 rounds · 1 rounds over 1 yrs (1.0/yr) Growth: Fresh capital in last 24 mo rank vs industry peers · Fliar Intelligence Index 42/100 | $10M | 3 mo ago | — | 2025 | Tony Mclaughlin Founder & CEO | — | — |
| 26 | Coinchange Decentralized trading platform for cryptocurrencies | $10M | 30 mo ago | 52 | 2017 | Maxim Galash CEO | — | — |
| 27 | CU NextGen Provider of an AI-enabled banking software suite | $9M | 59 mo ago | 12 | 2020 | — | 3 patents Remote stand‑off detection of explosives using orbitron‑based sensing technology. | — |
| 28 | Growfin AI Provider of accounts receivable automation software designed to accelerate cash flow | $9M | 39 mo ago | 65 | 2020 | Aravind Gopalan Co-Founder & CEO | — | — |
| 29 | Tenbin Labs Developer of tokenization protocol for liquidity, redemption, and institutional settlement 22Funding top 38%Talent bottom 49%Global bottom 48%Tech bottom 35% All 5 signals ▾Fundingtop 38% Talentbottom 49% Globalbottom 48% Techbottom 35% Marketbottom 31% Funding: Raised $7.0M across 1 rounds · 1 rounds over 1 yrs (1.0/yr) Talent: 1 named leader on record · 1 C-suite/founder profile curated rank vs industry peers · Fliar Intelligence Index 22/100 | $7M | 4 mo ago | — | 2023 | Jake Lang Co-Founder & CTO | — | — |
| 30 | Parex Decentralized platform enabling swapping of cryptocurrencies | $6M | 37 mo ago | 9 | 2021 | — | — | — |
| 31 | FIVVY Developer of a marketing and customer engagement platform for banks | $6M | 38 mo ago | — | 2020 | Lucas Werthein Co-Founder | — | — |
| 32 | Lumos Provider of a cloud-based data analytics platform for small businesses | $5M | 7 mo ago | 26 26 → 19 (-27%) · sector median +28% | 2021 | Youri Nelson Co-Founder & Chief Technology Officer | 60 patents Interactive digital cognitive training and assessment platforms for attention, memory, and executive function | 2 partnerships |
| 33 | Sphere Provider of lockchain-based platform for payment infrastructure | $5M | 18 mo ago | — | 2023 | Arnold Lee Co-Founder & CEO | — | 1 launch |
| 34 | Kinto Provider of an online platform offering blockchain layer solutions | $5M | 31 mo ago | — | 2021 | Ramon Recuero Co-Founder | — | — |
| 35 | Wert Online platform offering payments gateway for crypto | $5M | 50 mo ago | 29 | 2020 | Daria Bogatyreva Co-Founder | — | — |
| 36 | Lapetus Solutions Providing underwriting solutions to Life Insurance Industry | $5M | 106 mo ago | 7 | 2015 | — | — | — |
| 37 | GammaX Decentralized perpetual futures DEX platform | $4M | 45 mo ago | 19 | 2021 | Defi Das Co-Founder | — | — |
| 38 | Earnipay Cloud-based employee benefit platform for financial benefit | $4M | 52 mo ago | 20 | 2021 | — | — | — |
| 39 | Raleon Web3 customer engagement platform | $4M | 33 mo ago | 6 | 2022 | Adam Larson Co-Founder | — | — |
| 40 | Velvet Alternative investment platform for investors in private markets | $3M | 54 mo ago | — | 2021 | Carlos E Naupari Founder | — | — |
| 41 | APPROVE POS-based equipment financing platform | $3M | 36 mo ago | 39 | 2014 | Robert Preville Founder & CEO | — | — |
| 42 | WebStreet Alternative investment platform that matches operators of online businesses with accredited investors | $2M | 36 mo ago | — | 2021 | Mike Vranjkovic Co-Founder | — | — |
| 43 | Fundmates A funding platform that specializes in helping YouTube creators expand channels | $2M | 28 mo ago | — | 2022 | Ilia Dronov Founder & CEO | — | — |
| 44 | Komon Community-based NFT for individuals | $2M | 48 mo ago | 10 | 2022 | Sebastian Fernandez-Medrano Co-Founder | — | — |
| 45 | Fair Cloud based provider of insurance for repair services | $1M | 22 mo ago | — | 2024 | Will Betteridge Founder & CEO | 33 patents AI-driven digital commerce platform enabling transaction processing, pricing optimization, and vehicle search personalization. | — |
| 46 | Fuelfinance Provider of FP&A solutions for startups and SMBs | $1M | 37 mo ago | 35 | 2019 | Alyona Mysko CEO/Founder | — | — |
| 47 | Skillsvest Provider of educational funding with income-based repayment plans and career support | $581K | 2 mo ago | — | 2024 | Sreemaan Raja Co-Founder | — | — |
| 48 | SPRX Software-based R and D tax credit solutions for businesses | $500K | 36 mo ago | 5 | 2020 | Mark Andrus Co-Founder | COO | Tax Director | — | — |
| 49 | InCadense Wealth management solution provider | $250K | 22 mo ago | — | 2020 | Stephen Hagan Co-Founder | — | — |
| 50 | EQL Provider of personal credit lines to consumers | $250K | 30 mo ago | 18 | 2021 | Eddie Guia Co-Founder & CEO | — | — |
Top 12 FinTech companies in Wilmington
#1
SumUp 🦄Series E · Wilmington, Delaware · founded 2012 · 7 employees$994.3Mraised▾
Provider of card payment terminals and point of sale systems. These hardware and software tools facilitate transaction processing for merchants. The offerings include mobile card readers, self-service kiosks, and digital invoicing capabilities. Merchants utilize these tools to accept contactless payments and manage financial records. The system integrates with mobile applications to support business operations and order processing.
- May 2025Conventional Debt$60M
- May 2024Conventional Debt$1.6B
- Dec 2023Series E$306.6M
- Aug 2023Conventional Debt$100M
#2
Series B · Wilmington, Delaware · founded 2014$227.5Mraised▾
Cryptocurrency payment ecosystem for businesses and individuals. It offers a cryptocurrency system for bitcoin-backed loans, global payments, bitcoin purchases, and more. It also offers solutions for cryptocurrency staking and lending. Its app is available on the website.
- Nov 2025Conventional Debt—
- Nov 2025Series B$200M
- Oct 2025Series A$17.5M
- Dec 2024Series A$10M
#3
Funding Raised · Wilmington, Delaware · founded 2019 · 32 employees$150Mraised▾
App-based platform offering advance receivable management solutions for drivers. The platform enables users to manage advance amounts based on that drivers can lend/request for the amount. Provides cash flow management services. It offers features like automatic payments, notifications, etc. The mobile application is available for Android and iOS platforms.
- Sep 2025Conventional Debt$150M
#4
Seed · Wilmington, Delaware · founded 2025$10Mraised▾
Provider of a clearing system for stablecoin transactions. This system allows users to deposit stablecoins from various issuers and currencies into existing bank and fintech accounts, receiving full value. It transforms stablecoins into digital cash equivalents, facilitating seamless redemption through regulated channels while maintaining decentralization and peer-to-peer payments across multiple blockchains. The system aligns incentives among issuers, users, financial institutions, and regulators to promote stablecoin adoption. It enables banks and fintechs to offer stablecoin services to their customers, provides stablecoin issuers with a new revenue stream, and allows businesses and users to seamlessly accept and redeem stablecoins. The system also facilitates peer-to-peer payments without intermediaries.
- Mar 2026Seed—
- Feb 2026Seed—
- Jan 2026Seed—
- Jun 2025Seed$10M
#5
Series A · Wilmington, Delaware · founded 2020 · 58 employees$14Mraised▾
Provider of payment management software solutions to e-commerce businesses. Its solutions include automation of processes from inquiry to claim, integration across e-commerce platforms, AI-based dispute responses, and more.
- Nov 2025Conventional Debt$10M
- Nov 2025Series A$25M
- Aug 2023Series A$11M
- Seed$3M
#6
Seed · Wilmington, Delaware$15Mraised▾
AI-based financial management for businesses. It offers solutions for financial management, fraud management, automate repetitive tasks, financial insights, integrations, and more.
- Dec 2025Seed$15M
#7
Seed · Wilmington, Delaware · founded 2023$7Mraised▾
Developer of tokenization protocol for liquidity, redemption, and institutional settlement. The protocol facilitates asset liquidation and aims to provide infrastructure for liquidity and settlement. It offers yield-bearing exposure to foreign exchange, commodities, and metals. The protocol's smart contracts undergo auditing.
- Jan 2026Seed$7M
#8
Seed · Wilmington, North Carolina · founded 2021 · 26 employees$5Mraised▾
Provider of a cloud-based data analytics platform for small businesses. The platform enables SMEs to analyze lending experiences for banks and lenders. Its features include risk analytics, performance data, migration trends, financial institution performance data, risk management models, credit models, and advisory services.
- Oct 2025Seed$1.1M
- Jul 2024Seed$2M
- May 2022Seed$3M
#9
Series A · Wilmington, Delaware · founded 2016 · 74 employees$11Mraised▾
Cloud based fraud detection solutions for card transactions. It offers solutions that enable automated reasonable investigation agents for fraud investigation, quantum fraud and disputes for fraud and disputes processing solutions, quantum accelerators for business growth development, and more. It also facilitates an automated fraud dealing process.
- Jul 2025PE$300M
- Apr 2023Series A$2M
- Jul 2022Series A$3M
- Dec 2021Series A$6M
#10
Seed · Wilmington, Delaware · founded 2024$580.6Kraised▾
Provider of educational funding with income-based repayment plans and career support. It offers funding for tuition and living expenses to students attending universities. Repayment is based on income after graduation, with caps on total repayment amounts. The organization also provides mentorship, job preparation, and access to a hiring network.
- Mar 2026Conventional Debt—
- Mar 2026Seed$580.6K
#11
Acquired · Wilmington, Delaware · founded 2000 · 325 employees$300Mraised▾
Online platform for personal loans. It offers loans to users by partnering with a financial institution. Loans can be used for home improvements, consolidations, refinancing, vacations, purchases, and more. It provides loans with customized terms, amounts, and repayment options.
- Dec 2023Conventional Debt$150M
- Mar 2022Series E$225M
- Jan 2018Conventional Debt$495M
- Jul 2017Conventional Debt$369M
#12
Series A · Wilmington, Delaware · founded 2023$5Mraised▾
Provider of lockchain-based platform for payment infrastructure. It provides users with a company that offers an API and no-code platform that provides developers and merchants with payment solutions.
- Dec 2024Series A$5M
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