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101 Best California FinTech Startups – The Future of FinTech

This article showcases our top picks for the best California based FinTech companies. These startups and companies are taking a variety of approaches to innovating the FinTech industry, but are all exceptional companies well worth a follow.

We tried to pick companies across the size spectrum from cutting edge startups to established brands.

We selected these startups and companies for exceptional performance in one of these categories:

  • Innovation
    • Innovative ideas
    • Innovative route to market
    • Innovative product
  • Growth
    • Exceptional growth
    • Exceptional growth strategy
  • Management
  • Societal impact

Top California FinTech Startups

Data sourced from Crunchbase and SemRush.

Plaid

Plaid

Crunchbase Website Twitter Facebook Linkedin

Plaid provides companies with the tools and access needed for the development of a digitally-enabled financial system.

Ripple

Ripple

Crunchbase Website Twitter Facebook Linkedin

Ripple provides one frictionless experience to send money globally using the power of blockchain.

Ripple

Expensify

Crunchbase Website Twitter Facebook Linkedin

Expensify is a financial services company that provides an online expense management service for businesses.

Ripple

Coinbase

Crunchbase Website Twitter Facebook Linkedin

Coinbase is an online platform that allows merchants, consumers, and traders to transact with digital currency.

Ripple

Upgrade

Crunchbase Website Twitter Facebook Linkedin

Upgrade is a fintech company that offers credit and mobile banking to mainstream consumers.

Ripple

Upstart

Crunchbase Website Twitter Facebook Linkedin

Upstart leverages artificial intelligence and machine learning to price credit and automates the borrowing process.

Ripple

SoFi

Crunchbase Website Twitter Facebook Linkedin

SoFi is a finance company that offers a range of lending and wealth management services.

Ripple

Stripe

Crunchbase Website Twitter Facebook Linkedin

Stripe is a developer-oriented commerce company helping small and large companies accept web and mobile payments.

Ripple

Silver Lake

Crunchbase Website Twitter Facebook Linkedin

Silver Lake is a global technology investment firm focused solely on making large-scale investments in technology companies.

Ripple

CoinList

Crunchbase Website Twitter Facebook Linkedin

CoinList is a platform that helps blue-chip crypto projects connect with new token holders.

Ripple

HoneyBook

Crunchbase Website Twitter Facebook Linkedin

HoneyBook is a business management platform creating tools to help creative entrepreneurs run their business on their own terms.

Ripple

Chipper Cash

Crunchbase Website Twitter Facebook Linkedin

Chipper Cash is a fintech platform that offers mobile, cross-border money transfer services.

Ripple

Drip Capital

Crunchbase Website Twitter Facebook Linkedin

Drip Capital offers trade financing product targeted towards SMEs in developing markets.

Ripple

Brex

Crunchbase Website Twitter Facebook Linkedin

Brex is a fintech company that offers credit cards and cash management solutions for their customers to save and spend money.

Ripple

Addepar

Crunchbase Website Twitter Facebook Linkedin

Addepar is a wealth management platform that provides tools for data analytics and portfolio visuals.

Ripple

Securitize

Crunchbase Website Twitter Facebook Linkedin

Securitize enables digital securities, which are easier to own, simpler to manage, and faster to trade.

Ripple

Tala

Crunchbase Website Twitter Facebook Linkedin

Tala is a mobile technology and data science company that is oriented around financial services in emerging markets.

Ripple

Chargebee

Crunchbase Website Twitter Facebook Linkedin

Chargebee provides subscription and recurring billing systems for SaaS and e-commerce businesses.

Ripple

Oportun

Crunchbase Website Twitter Facebook Linkedin

Oportun is a fintech company that provides financial services from personal loans to financial resources.

Ripple

Deserve

Crunchbase Website Twitter Facebook Linkedin

Deserve offers fair credit products for young people and a cloud-based credit card platform for businesses.

Ripple

Flutterwave

Crunchbase Website Twitter Facebook Linkedin

Flutterwave is a fintech company that provides a payment infrastructure for global merchants and payment service providers.

Ripple

SoLo Funds

Crunchbase Website Twitter Facebook Linkedin

SoLo is a financial service provider enabling a marketplace where members can request and fund immediate needs.

Ripple

Tipalti

Crunchbase Website Twitter Facebook Linkedin

Tipalti is a global payables automation platform that provides a cloud solution to scale and automate global payables operations.

Ripple

Alt

Crunchbase Website Twitter Facebook Linkedin

Alt is an alternative asset platform that allows people to buy, sell, and store sports cards.

Ripple

Juniper Square

Crunchbase Website Twitter Facebook Linkedin

Juniper Square operates an investment management platform for commercial real estate.

Ripple

Ethos

Crunchbase Website Twitter Facebook Linkedin

Ethos Life is a modern insurance company that provides ethical life insurance.

Ripple

GGV Capital

Crunchbase Website Twitter Facebook Linkedin

GGV Capital is a global venture capital firm that invests in local founders.

Ripple

Cowbell Cyber

Crunchbase Website Twitter Facebook Linkedin

Cowbell Cyber provides AI-powered continuous risk assessment and cyber insurance.

Ripple

Wealthfront

Crunchbase Website Twitter Facebook Linkedin

Wealthfront is a next-gen banking service that helps in managing the money for both the short term and long term.

Ripple

Ladder

Crunchbase Website Twitter Facebook Linkedin

Ladder is a digital life insurance company that offers flexible term coverage in minutes saving policyholders up to 40%.

Ripple

Hippo Insurance

Crunchbase Website Twitter Facebook Linkedin

Hippo Insurance is an InsurTech company that uses technology to help homeowners maintain their properties.

Ripple

Robinhood

Crunchbase Website Twitter Facebook Linkedin

Robinhood is a stock brokerage that allows customers to buy and sell stocks, options, ETFs, and cryptocurrencies with zero commission.

Ripple

Lendtable

Crunchbase Website Twitter Facebook Linkedin

Lendtable provides income-constrained individuals with wealth-building cash advances.

Ripple

Acorns

Crunchbase Website Twitter Facebook Linkedin

Acorns is a finance company that allows individuals to round up purchases and automatically invest the change.

Ripple

LISNR

Crunchbase Website Twitter Facebook Linkedin

LISNR enables secure and seamless data transmission using the most advanced ultrasonic data technology

Ripple

Affirm

Crunchbase Website Twitter Facebook Linkedin

Affirm is a financial technology services company that offers installment loans to consumers at the point of sale.

Ripple

Bill.com

Crunchbase Website Twitter Facebook Linkedin

Bill.com is a provider of cloud-based software that simplifies and automates back-office financial operations.

Ripple

UNest

Crunchbase Website Twitter Facebook Linkedin

UNest is an app that makes it easier than ever for parents to invest and save for their kids’ future.

Ripple

CircleUp

Crunchbase Website Twitter Facebook Linkedin

CircleUp is an investment platform that provides capital and resources to innovative, early-stage consumer brands.

Ripple

Kraken

Crunchbase Website Twitter Facebook Linkedin

Kraken is a cryptocurrency exchange that provides spot and futures trading between Bitcoin, Ethereum, and 40+ other digital assets.

Ripple

Forge

Crunchbase Website Twitter Facebook Linkedin

Forge is a global private securities marketplace creating an accessible, liquid, and transparent private market.

Ripple

Earnin

Crunchbase Website Twitter Facebook Linkedin

Earnin gives people access to their pay directly from their smartphones, whenever they need it

Ripple

PayZen

Crunchbase Website Twitter Facebook Linkedin

PayZen is a health care fintech startup that aims to tackle the growing patient payment responsibility problem.

Ripple

Hercules Capital

Crunchbase Website Twitter Facebook Linkedin

Hercules Capital is a capital market company that lends to technology, life sciences, and sustainable technology companies.

Ripple

Lending Club

Crunchbase Website Twitter Facebook Linkedin

Lending Club is an online financial community that brings together creditworthy borrowers and savvy investors.

Ripple

Fivestars

Crunchbase Website Twitter Facebook Linkedin

Fivestars provides a platform that offers loyalty, marketing, payments, and other services to small merchants and businesses.

Ripple

BlueVine

Crunchbase Website Twitter Facebook Linkedin

BlueVine is an online platform that provides small to medium-sized businesses access to financial products.

Ripple

Roofstock

Crunchbase Website Twitter Facebook Linkedin

Roofstock is an online marketplace for investing in leased single-family rental homes in a transparent and low-friction method.

Ripple

Aura Financial

Crunchbase Website Twitter Facebook Linkedin

Aura is a financial service company that provides affordable, credit-building loans to working families.

Ripple

Airbase

Crunchbase Website Twitter Facebook Linkedin

Airbase serves as an all-in-one spend management platform that helps companies with their financial control and visibility.

Ripple

Vagaro

Crunchbase Website Twitter Facebook Linkedin

Vagaro is an online platform that allows its users to find salons and spas in their local area and make appointments online.

Ripple

HomeLight

Crunchbase Website Twitter Facebook Linkedin

HomeLight is a real estate platform where users can buy or sell homes.

Ripple

Promise

Crunchbase Website Twitter Facebook Linkedin

PromisePay provides a modern payment processing platform built for utilities and government agencies.

Ripple

Arkose Labs

Crunchbase Website Twitter Facebook Linkedin

Arkose Labs provides fraud prevention, anti-spam, and abuse analysis for businesses, companies, and industries.

Ripple

Checkbook

Crunchbase Website Twitter Facebook Linkedin

Checkbook is connecting the last mile in push payments using DigitalChecks for Instant Payments.

Ripple

Square

Crunchbase Website Twitter Facebook Linkedin

Square is a merchant services aggregator and mobile payment company that aims to simplify commerce through technology.

Ripple

Doma

Crunchbase Website Twitter Facebook Linkedin

Doma is an insurtech platform that uses machine intelligence to remove friction from residential real estate transactions.

Ripple

Uplift

Crunchbase Website Twitter Facebook Linkedin

Uplift is an enterprise buy now, pay later solution offering a complete range of personalized payment options.

Ripple

Settle

Crunchbase Website Twitter Facebook Linkedin

Settle is a fintech platform that automates B2B payments and provides working-capital solutions for businesses.

Ripple

Pilot

Crunchbase Website Twitter Facebook Linkedin

Pilot is a platform that offers bookkeeping, tax, and CFO services for growing businesses.

Ripple

Zeta

Crunchbase Website Twitter Facebook Linkedin

Zeta is a modern banking tech company providing Modern Core and Processing for FIs and Embeddable Banking for fintechs and distributors.

Ripple

Varo Bank

Crunchbase Website Twitter Facebook Linkedin

Varo is a digital bank that offers innovative, premium banking services wrapped in inclusive design.

Ripple

Feedzai

Crunchbase Website Twitter Facebook Linkedin

Feedzai develops risk management tools to prevent fraud and money laundering in transactions.

Ripple

Citcon

Crunchbase Website Twitter Facebook Linkedin

Citcon is a mobile payment network that enables global merchants to accept payments from consumers.

Ripple

Chia Network

Crunchbase Website Twitter Facebook Linkedin

Chia Network is building a blockchain platform based on Proofs of Space and Time.

Ripple

BitGo

Crunchbase Website Twitter Facebook Linkedin

BitGo is the leader in institutional digital asset financial services, providing clients with security, custody, and liquidity solutions.

Ripple

Figure

Crunchbase Website Twitter Facebook Linkedin

Figure is a financial services company leveraging blockchain technology.

Ripple

Plastiq

Crunchbase Website Twitter Facebook Linkedin

Plastiq offers a bill pay service for businesses to better manage their cash flow.

Ripple

Wyre

Crunchbase Website Twitter Facebook Linkedin

Wyre develops a wide variety of payment APIs that offer a fast and cost-effective way of transferring money.

Ripple

MainStreet

Crunchbase Website Twitter Facebook Linkedin

MainStreet is a financial platform that helps startups and small businesses discover and claim tax credits and government incentives.

Ripple

Credit Sesame

Crunchbase Website Twitter Facebook Linkedin

Credit Sesame is a credit and loan company that makes consumer credit and loan management simple and automated.

Ripple

Signifyd

Crunchbase Website Twitter Facebook Linkedin

Signifyd is a provider of an enterprise-grade fraud technology solution for e-commerce stores.

Ripple

Alpaca

Crunchbase Website Twitter Facebook Linkedin

Alpaca builds a developer-first API for stock trading (Securities by Alpaca Securities LLC).

Ripple

FalconX

Crunchbase Website Twitter Facebook Linkedin

FalconX is a blockchain, cryptocurrency, and fintech-focused cryptocurrency brokerage and digital asset trading platform.

Ripple

Snapdocs

Crunchbase Website Twitter Facebook Linkedin

Snapdocs is a mortgage technology company that helps real estate participants closing work together through integration and automation.

Ripple

Coupa Software

Crunchbase Website Twitter Facebook Linkedin

Coupa is a cloud platform for business spend that offers a fully unified suite of financial applications for business spend management.

Ripple

Nova Credit

Crunchbase Website Twitter Facebook Linkedin

Nova Credit is a consumer-first credit bureau that enables financial access for immigrants and others discouraged by the financial system

Ripple

Albert

Crunchbase Website Twitter Facebook Linkedin

Albert is a financial technology company aiming to democratize money management by making financial advice accessible and affordable.

Ripple

Mercury

Crunchbase Website Twitter Facebook Linkedin

Mercury is a digital banking company that provides banking services and bank accounts designed specifically for startups.

Ripple

Camino Financial

Crunchbase Website Twitter Facebook Linkedin

Camino Financial is a data-driven fintech platform pioneering affordable small business loans to Latinx businesses

Ripple

Zest AI

Crunchbase Website Twitter Facebook Linkedin

Zest AI is a financial service company that makes software for credit underwriting.

Ripple

LendingHome

Crunchbase Website Twitter Facebook Linkedin

LendingHome offers fix-and-flip bridge loans and rental loans for real estate investors.

Ripple

PeerStreet

Crunchbase Website Twitter Facebook Linkedin

PeerStreet is a crowdfunding platform that gives investors easy access to high-yielding loans that are collateralized with real estate.

Ripple

Qualia

Crunchbase Website Twitter Facebook Linkedin

Qualia is a digital closing platform used by 1000s of real estate and mortgage companies to provide simple, secure homebuying experiences.

Ripple

Taulia

Crunchbase Website Twitter Facebook Linkedin

Taulia is a FinTech startup that provides working capital management and electronic invoicing services for supply chain companies.

Ripple

Step

Crunchbase Website Twitter Facebook Linkedin

Step is a financial services company that builds mobile-based banking for teenagers.

Ripple

Human Interest

Crunchbase Website Twitter Facebook Linkedin

Human Interest helps employees of small and medium-sized businesses save for retirement.

Ripple

Lend Street Financial

Crunchbase Website Twitter Facebook Linkedin

Lend Street Financial is a lending platform that offers debt restructuring and refinancing services to consumers.

Ripple

Okcoin

Crunchbase Website Twitter Facebook Linkedin

One of the world’s largest cryptocurrency exchanges, Okcoin is building an inclusive future of finance for all.

Ripple

Deel

Crunchbase Website Twitter Facebook Linkedin

Deel is a payroll and compliance platform for international employees and contractors.

Ripple

Very Good Security

Crunchbase Website Twitter Facebook Linkedin

Very Good Security is a fintech & data security enablement platform helping to maximize the value of data without compliance & breach risk.

Ripple

CommonStock

Crunchbase Website Twitter Facebook Linkedin

CommonStock is a developer of a group chat platform that is designed to share investment knowledge and decisions.

Ripple

Celo

Crunchbase Website Twitter Facebook Linkedin

Celo is an open platform that makes financial tools accessible to anyone with a mobile phone.

Ripple

Synctera

Crunchbase Website Twitter Facebook Linkedin

Synctera is a FinTech-as-a-Service platform that connects financial institutions with fintech companies.

Ripple

Eco

Crunchbase Website Twitter Facebook Linkedin

Eco isn’t a bank. It’s something better — a digital wallet that rewards you every time you save, spend or send money.

Ripple

Indiegogo

Crunchbase Website Twitter Facebook Linkedin

Indiegogo is a crowdfunding platform empowering people around the world to fund projects that matter to them.

Ripple

Payactiv

Crunchbase Website Twitter Facebook Linkedin

Payactiv helps put financial wellness within reach.

Ripple

LeaseLock

Crunchbase Website Twitter Facebook Linkedin

LeaseLock is an insurance technology company that leverages artificial intelligence to eliminate security deposits.

Ripple

Compound

Crunchbase Website Twitter Facebook Linkedin

Compound is an open-source interest rate protocol that unlocks new financial applications.

Ripple

MobileCoin

Crunchbase Website Twitter Facebook Linkedin

MobileCoin is a cryptocurrency platform that provides anti-fraud services and payment systems for merchants.

Ripple

SMBX

Crunchbase Website Twitter Facebook Linkedin

SMBX is a funding portal and public marketplace for issuing and buying U.S. small business bonds.

Written by Warren Tesla

My name is Tesla and I am the pseudonym used by The Stratup Pill's broad writing team.

About me: Founder, CEO, CTO, CFO, CMO, CISO, Director, Head of the Board, Head of the oversight board, Executive, Legal Council, Head of Hiring, HR Manager, Consultant.

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101 Best United Kingdom FinTech Startups – The Future of FinTech

101 Best London, England FinTech Startups – The Future of FinTech