Building on the foundation laid by Antler’s AI x Fintech Market Map (S/O to Chris Millisits), we’ve expanded the landscape using Specter’s proprietary platform, identifying 590+ startups at the intersection of artificial intelligence and financial technology — across categories such as fraud detection, risk underwriting, automated compliance, AI-native lending, agentic finance, and more.

As financial services shift from static platforms to intelligent systems, these companies are embedding AI into the fabric of money movement, decision-making, and customer experience. From autonomous agents for financial ops to AI copilots for underwriters and CFOs, this ecosystem represents the next operating layer of fintech — faster, adaptive, and built for real-time risk. This is the definitive landscape of how AI is re-architecting finance — not just automating the old, but inventing the new.

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Accounting & Taxing

Rillet (🌟 Specter - Global Rank 55)
Rillet’s AI-native ERP replaces legacy suites like NetSuite for high-growth SaaS firms, automatically ingesting data from Stripe, Salesforce and Rippling to deliver GAAP-ready financials in hours. In May 2025, the New York- and Palo-Alto-based startup closed a $25m Series A led by Sequoia Capital, lifting total funding to roughly $38.5m. Founder-CEO Nicolas Kopp (ex-N26 US) claims customers now close their books 5× faster; fresh G2 Spring 2025 badges (“Momentum Leader”, “Best Support”) underscore early traction as Rillet doubles engineering and GTM hiring.

Kick (🌟 Specter - Global Rank 429)
Kick markets the first “self-driving bookkeeper”, categorising transactions, reconciling accounts and producing tax-ready reports via applied AI. The Palo Alto company raised a $9m Seed round in October 2024 from the OpenAI Startup Fund, General Catalyst and 50+ angels, fuelling its free-tier launch and partner API. Testimonials on the Kick site cite $30k savings in 30 minutes for SMBs, and the team is actively recruiting remote ML engineers to extend real-time reconciliation.

Simetrik (🌟 Specter - Global Rank 33,724)
Colombian fintech Simetrik provides an AI reconciliation platform that matches billions of transactions across 40+ countries for enterprises in payments and e-commerce. In June 2025, it added a $30m Series B extension led by Goldman Sachs, bringing the round to $85m and total capital to $118m. The cash accelerates U.S. hiring and no-code controls modules that push real-time risk alerts—a strategy FinTech Collective calls “a new CFO tech stack backbone.”

FloQast (🌟 Specter - Global Rank 321,421)
Los Angeles-based FloQast remains the close-management heavyweight. Its 2025 AI Transaction Matching now auto-reconciles 98% of high-volume entries and earned #1 spots in G2’s Spring 2025 rankings for Financial Close and Reconciliation. A $100m Series E in April 2024 led by ICONIQ Growth pushed valuation to $1.6b and is funding European expansion plus partner integrations with SAP and NetSuite.


Accounts Payable / Receivable

Omnea (🌟 Specter - Global Rank 512)
Omnea automates procurement orchestration with an AI-powered intake and approval workflow, uniting Slack, Teams, and web portals into a single workspace. Founded in 2022 by Ben Freeman and Ben Allen out of Entrepreneur First in London, Omnea has raised $25m to date—culminating in a $20m Series A led by Accel in October 2024—and was named “Best Overall eProcurement Software” at the 2025 FinTech Breakthrough Awards . The platform counts enterprise clients such as Thought Machine and McAfee, and recently partnered with Thought Machine to embed procurement governance into its core banking APIs. With >3× headcount growth and accelerating ARR in EMEA, Omnea’s AI-driven spend control continues to set the pace for procurement automation.

JustPaid (🌟 Specter - Global Rank 1,201)
JustPaid offers an AI-driven Revenue Operations copilot that generates invoices, chases payments, and delivers real-time cash-flow dashboards—eliminating manual billing bottlenecks for finance teams. Founded in 2022 by Daniel Kivatinos, Vinay Datta Pinnaka, and Anelya Grant Janssen, the Mountain View startup graduated YC W23 and raised $3.5m in seed funding led by Rebel Fund and Y Combinator in June 2023 and again $1.9m in November 2024. Early traction includes multi-channel integrations (Stripe, QuickBooks), thousands of invoices processed monthly, and a 50% increase in headcount over the past year.

Reap (🌟 Specter - Global Rank 31,762)
Reap, founded in Hong Kong in 2018 by Daren Guo and Kevin Kang, pioneered stablecoin-enabled corporate cards and automated expense management for 22,000+ businesses worldwide. The API-first platform has raised a Series A of $40m in October 2022 —to scale its embedded finance offerings across Asia and beyond . Reap seamlessly bridges banking rails and digital assets to power both Web2 and Web3 finance, enabling clients to automate corporate spend controls and payouts at scale.

Airwallex (🌟 Specter - Global Rank 10,076)
Airwallex is a Singapore-based cross-border payments and treasury platform trusted by 150,000+ businesses, processing $100b in annualized transactions through its proprietary banking network . Founded in 2015 in Melbourne by Jack Zhang, Max Li, Lucy Liu, Xijing Dai, and Ki-Lok Wong, the late-stage fintech has raised $1.2b to date—most recently securing $150m Series F in VC funding led by Visa in May 2025 & $150m in secondary market—and is pursuing UK and US banking licenses to expand into lending services. With ARR surpassing $500m in 2024 and rapid global expansion, Airwallex continues to push the frontier of embedded finance and spend management.


Insurance

Owl.co (🌟 Specter - Global Rank 23,389)
Owl.co provides an AI-powered, end-to-end encrypted claims monitoring platform that flags fraudulent or ineligible insurance claims up to five times more effectively than legacy systems. Founded in 2018 by Sean Merat, Sohrab Merat, and Vahid Mirjalili, Owl.co closed a $30M Series B on November 2021 led by Cota Capital alongside Sorenson Ventures, FUSE, Impression Ventures, Luge Capital, and Plug and Play Ventures—bringing its total funding to $39m. The platform deliberately omits demographic inputs (age, gender, race, neighbourhood) to eliminate bias and automatically detects significant losses from malingering or exaggeration—today used by six of the ten largest U.S. insurers to optimize reserves and reduce unwarranted payouts. Headquartered in Vancouver, B.C., with offices in Toronto, New York, and Seattle, Owl.co planned to expand its North American headcount by 20% by the end of 2021.

Roots Automation (🌟 Specter - Global Rank: 321,654)
Roots Automation builds AI-powered “Digital Coworkers” that ingest and interpret unstructured insurance data—submissions, medical records, legal demands—to automate claims triage, underwriting, and policy servicing with its proprietary InsurGPT™ engine. Founded in 2018 by Chaz Perera and John Cottongim, Roots has raised $43.95m to date, including a $22.2m Series B on September 17 2024 led by Harbert Growth Partners, with follow-on from MissionOG, Liberty Mutual Strategic Ventures, and Vestigo Ventures. Based in New York City, pilots have demonstrated up to 90% gains in claims capacity and 1250% ROI over RPA alternatives.

Nayya (🌟 Specter - Global Rank: 322,946)
Nayya’s AI-first benefits platform aggregates health, financial, and demographic data to deliver personalized plan recommendations during open enrollment and qualifying life events. Since its 2019 founding by Akash, Aman, and Sina Magoon, Nayya has raised $105.7m, most recently on August 2024. It partners with carriers like MetLife and Prudential, and upholds HIPAA, SOC 2, and CCPA standards to secure employee data. On January 2025, Nayya announced an embedded integration with Workday to bring AI-powered guidance directly into HR workflows, boosting hospital indemnity plan enrollments by 73%.


KYC & Onboarding

Clarum (🌟 Specter - Global Rank 2,072)
Clarum automates due diligence processes using AI to enhance deal flow and mitigate risks, founded by Anton Otaner and Tommy He. In Pre-seed / Seed backed by Y Combinator with a total funding of $500k and last raised on April 2024 – Pre Seed. Highlights: Social Followers Surge, Social Followers Momentum, Social Followers Scale-up, Top Tier Investors, No Recent Funding. Based in San Francisco, California, United States. Clarum is trusted by private equity firms and family offices to accelerate diligence workflows—structuring financials in Excel, extracting deal terms in Word, and generating slide decks in PowerPoint in minutes rather than days. Since its Winter 2024 YC debut, it has onboarded multiple PE teams and processed tens of billions in deal flow, positioning itself as the AI “associate” for investment teams.

Informed (🌟 Specter - Global Rank 15,334)
Informed automates income and identity verifications for lenders using AI technology, founded by Justin Wickett. In Early Stage backed by The FIS FinTech Accelerator in Partnership with The Venture Center, Dan Romero, Aspect Ventures, Manuel Bronstein, Nyca Partners, with a total funding of $20m and last raised on May 2021 – Series A. Highlights: Headcount Downturn, Top Tier Investors, No Recent Funding. Based in Tiburon, California, United States. Informed IQ’s platform evaluates bank statements, tax returns, and ID documents in seconds, delivering 99%+ accuracy and automating 95% of manual verifications—helping lenders fund over $91b in loans to date. Its $20m Series A was co-led by Nyca Partners and US Venture Partners, and customers include Westlake Financial, Ally Financial, and Fiserv partners.

Signzy (🌟 Specter - Global Rank 267,357)
Signzy offers a no-code platform for digital onboarding and identity verification solutions, founded by Ankit Ratan, Ankur Pandey, and Arpit Ratan. In Growth Stage backed by Kalaari Capital, Vertex Ventures, HPE Digital Catalyst Program, Prime Ventures, BEENEXT, Exfinity Venture Partners, Igara Partners, Sarvam Ventures, participation from Arjun Chachra, Contrarian Drishti Partners, GenNext Ventures, and T-Hub with a total funding of $38m and last raised on September 2022 – Series B. Highlights: API Scale-up, Top Tier Investors, No Recent Funding, Recent News. Based in Bengaluru, Karnataka, India.

Socure (🌟 Specter - Global Rank 31,446)
Socure provides AI-powered digital identity verification and fraud prevention solutions, founded by Bradley S. Leinhardt, Johnny Ayers, and Sunil Madhu. In Late Stage backed by Founder Collective, Two Sigma Ventures, Citi Ventures, Flint Capital, Accel, T. Rowe Price, and others with a total funding of $744m and last raised on March 2023 – Debt Financing. Highlights: Consortium Scale-up, Top Tier Investors, No Recent Funding, Recent News. Based in Incline Village, Nevada, United States. Socure’s RiskOS™ engine, launched March 2025, combines 50+ third-party data sources and proprietary AI to deliver real-time risk scoring, proactive alerts, and predictive fraud prevention, helping clients like Capital One, Citi, and Robinhood reduce first-party fraud by over 60%. Its $95m debt financing round strengthens its balance sheet for product innovation and global expansion.


Regulatory Compliance

Casap (🌟 Specter - Global Rank 208)
Casap is an award-winning AI-powered disputes automation and fraud prevention platform that streamlines compliance and resolves payment disputes for banks, credit unions, and fintechs. Founded in 2023 by Shanthi Shanmugam and Saisi Peter, Casap secured $7m in seed funding led by Lightspeed Venture Partners and Primary Venture Partners, with co-investors including Curql, Alloy Labs, Commerce Ventures, and prominent fintech founders. Its proprietary first-party fraud score and network integrations cut dispute resolution times from days to minutes, delivering up to 29% cost savings and enhanced Net Promoter Scores for customers such as Chartway Credit Union. Based in New York City, Casap was named NACUSO’s Next Big Idea Competition winner in 2024 and continues to expand across the payments ecosystem.

Greenlite AI (🌟 Specter - Global Rank 404)
Greenlite AI equips banks, fintechs, and other financial institutions with AI-powered agents that automate up to 95% of AML, KYC, and sanctions screening workflows. Founded in 2023 by Will Lawrence and Alex Jin, the company raised $15m in Series A funding led by Greylock Partners—bringing its total capital to $20m with participation from Thomson Reuters Ventures, Canvas Prime, Y Combinator, and Tim Mayopoulos . Its proprietary Trust Infrastructure embeds U.S. federal banking guidance into every agent, yielding a 90% reduction in alert handling time and a 95% drop in false positives for customers like Meso. Headquartered in San Francisco, Greenlite AI just announced a partnership with ComplyAdvantage to bring AI agents into real-time compliance workflows.

Hawk AI (🌟 Specter - Global Rank 9,559)
Hawk AI offers explainable-AI-driven AML and fraud surveillance for banks, payment companies, and fintechs, providing real-time transaction monitoring and case management that cuts false positives by over 70% compared to legacy solutions. Founded in Munich in 2018 by Tobias Schweiger and Wolfgang Berner, Hawk AI raised $17m Series B financing led by Sands Capital—joined by DN Capital, Coalition, BlackFin Capital Partners, and Picus Capital—in January 2023. And again $107m Series B in June 2024. More recently, it secured $56m in Series C funding on April 2025 led by One Peak, alongside Macquarie Capital, Rabobank, BlackFin, Sands, DN Capital, Picus, and Coalition, boosting total funding of $191m. Today Hawk’s cloud-native platform serves 80+ customers across 60 countries—reducing alert handling times by up to 90% and uncovering twice as many novel fraud cases.

Cyera (🌟 Specter - Global Rank 31,750)
Cyera is an AI-native data security posture management platform that discovers, classifies, and safeguards enterprise data across cloud, SaaS, and on-prem environments. Founded in 2021, Cyera raised $300m in Series D funding at a $3b valuation in November 2024—led by Accel and Sapphire Ventures with support from Sequoia, Redpoint, Coatue, and Georgian. In its latest round, Cyera secured $540m in Series E funding co-led by Georgian, Greenoaks, and Lightspeed Venture Partners, pushing its valuation to $6b and total funding to over $1b. The platform now protects data for clients like AT&T, Nordstrom, and Paramount Global, has doubled headcount to 800, and operates in 10 global locations.


Research & Analysis

Scoriff (🌟 Scoriff - Global Rank 260,634)
Scoriff provides AI-driven credit scoring for businesses to predict default events globally. Founded by Peep Küngas, it is in Pre-seed / Seed and backed by Startup Wise Guys with a total of $40k and last raised on April 2019 – Pre Seed. No Recent Funding. Based in Tallinn, Harjumaa, Estonia, Europe. Scoriff’s platform leverages alternative data sources (e.g., transaction histories, social signals) and machine learning algorithms to generate transparent, accurate credit assessments for SMEs—addressing gaps in traditional scoring methods. Through its partnership with Startup Wise Guys, it gains accelerator mentorship and a global network, positioning it to expand across European markets and integrate with regional financial institutions.

Avra (🌟 Specter - Global Rank 1,433)
Avra provides AI solutions for credit intelligence and risk management, transforming SME lending with foundational-model analytics. Founded by Bruno Alano and Viviane Meister, Avra is in the Pre-seed / Seed stage, having raised $2m in non-equity assistance on September 2024. Backers include Amazon Web Services, Sequoia Capital, and MAYA Capital. Highlights feature headcount momentum, a surge in social followers, and elevated engagement rates. Based in São Paulo, São Paulo, Brazil.

PolyAI (🌟 Specter - Global Rank 9,558)
PolyAI develops voice-first conversational AI platforms for enterprise call centers, using proprietary large-language models to handle complex inquiries. Founded in 2017 by Nikola Mrkšić, Tsung-Hsien Wen, and Pei-Hao Su, it is in Growth Stage following a $50m Series C on May 2024, led by Hedosophia and Nvidia’s NVentures, with participation from Khosla Ventures, Point72 Ventures, and others. Highlights include a headcount surge and strong momentum in enterprise deployments. Based in London, England, United Kingdom.

Lendbuzz (🌟 Specter - Global Rank 24,792)
Lendbuzz develops an AI-based auto finance platform that leverages alternative data and deep learning to expand credit access to underserved consumers. Founded by Amitay Kalmar and Dan Raviv, it is in Late Stage having raised $266m in debt financing on July 2025. Backers include 83North, MUFG Innovation Partners, and Wellington Management. Highlights cover a significant headcount surge and award-winning consumer lending innovation. Based in Boston, Massachusetts, United States.


Wealth Management

Xaver (🌟 Specter - Global Rank 2,091)
Xaver’s B2B AI platform empowers banks, insurers, and brokers with scalable agentic AI to streamline sales and advisory processes, boosting efficiency by up to 65%. Founded in 2023 by Max Bachem (CEO), Dr. Björn Holste (CFO), and Ole Breulmann (CPTO), the Berlin-based startup closed a €5m pre-seed round in March 2024 led by Motive Ventures and Cavalry Ventures—Europe’s largest fintech pre-seed funding of that year. In May 2025, Xaver secured a BaFin license, becoming one of the first AI-native wealth managers in Europe and laying groundwork for fully regulated asset management services.

Cleo (🌟 Specter - Global Rank 1,120)
Cleo’s AI-driven financial assistant simplifies personal finance via a conversational app, engaging users through budgeting tools, savings plans, and the Cleo Credit Builder Card to aid credit-score improvement. Founded in 2016 by Barney Hussey-Yeo, the London-based company has raised over $139m across nine rounds—including an $81m Series C led by Sofina at a $500m valuation in June 2022.

Addepar (🌟 Specter - Global Rank 26,459)
Addepar’s cloud-based platform consolidates portfolio, market, and client data to deliver real-time reporting and analytics for wealth managers, family offices, and private banks across 50+ markets, overseeing over $7t in assets under management. Founded in 2009 by Joe Lonsdale and Jason Mirra in Mountain View, California, Addepar raised $230m in Series G financing in May 2025 at a $3.25b valuation led by Vitruvian Partners and WestCap—using the funds to support global expansion and provide liquidity to employees and early investors.


Strategic Outlook

The AI × Fintech landscape is coalescing around purpose-built intelligence modules—fraud-scoring engines, real-time risk-underwriting agents, compliance copilots and autonomous lending platforms—rather than one-size-fits-all chatbots. Under the hood, privacy-preserving data fabrics and federated-learning hubs are paired with orchestration layers (keeping sensitive workflows in regulated “data spaces”) to power next-gen AML, credit-scoring and treasury-management systems worldwide.

Vertical stacks are rapidly maturing across every corner of financial services: from AI agents that automate KYC/KYB and customer due-diligence flows (e.g., Greenlite) to predictive portfolio-rebalancing bots in wealth management (e.g., Thyme, Powder), and document-intelligence suites for audit and tax (e.g., Outmin, FieldGuide). Meanwhile, seed-stage funding is climbing—$5M–$12M rounds are now common—with global VCs (a16z, Sequoia, Tiger Global) and regional champions (Speedinvest, Balderton, QED) racing to back category-defining teams before incumbents internalize AI.

Looking ahead, expect convergence on open API and model-interoperability standards, deeper integration of continuous-audit and explainability layers, and intense competition for talent conversant in ML security, federated systems and financial domain expertise. This next wave will define the real-time decision-layer that underpins tomorrow’s automated, adaptive finance infrastructure—globally.


Key Takeaways

  • Purpose-built AI modules trump general-purpose LLMs – fraud-scoring engines, risk-underwriters, compliance copilots and autonomous lending agents deliver high ROI in fintech workflows.
  • Privacy-first data fabrics & federated learning – startups are embedding on-premises “data spaces” and federated model training to meet global regulations and slash vendor lock-in.
  • Vertical stacks accelerate go-to-market – KYC/KYB automation (Greenlite), predictive treasury and rebalancing bots (Thyme, Powder), and document-intelligence suites (Outmin, FieldGuide) secure pilots in tightly regulated workflows.
  • Open API & model interoperability loom large – emerging standards will let best-of-breed components (scoring, orchestration, observability) plug into any core banking or payments backbone.
  • Compliance-first is table stakes worldwide – positioning around data residency, audit trails and explainability (Duna, Cala AI) turns regulation into a competitive moat.
  • Seed rounds swelling to €5m–€12m – global VCs (a16z, Sequoia, Tiger, Balderton, Speedinvest) are racing to back category-defining teams before incumbents internalize AI.
  • Bootstrapped outliers chart alternative paths – product-led traction in niche areas (e.g., revenue reporting, SME lending ops) can precede or replace venture funding.
  • Talent war intensifies – ex-DeepMind, Stripe and Palantir ML engineers are flocking to AI-fintech startups, accelerating transfer of domain expertise and security know-how.

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