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101 Best San Francisco FinTech Startups – The Future of FinTech

This article showcases our top picks for the best San Francisco 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 San Francisco 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

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

CoinList

Crunchbase Website Twitter Facebook Linkedin

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

Ripple

HoneyBook

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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

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

Securitize

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

Ripple

Chargebee

Crunchbase Website Twitter Facebook Linkedin

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

Alt

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

Ripple

Juniper Square

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

Ripple

Ethos

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

Ripple

Lendtable

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

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

CircleUp

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

Ripple

Kraken

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

Ripple

Forge

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

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

Lending Club

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

Ripple

Fivestars

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

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

HomeLight

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

Ripple

Arkose Labs

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

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

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

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

Chia Network

Crunchbase Website Twitter Facebook Linkedin

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

Ripple

Figure

Crunchbase Website Twitter Facebook Linkedin

Figure is a financial services company leveraging blockchain technology.

Ripple

Plastiq

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

Ripple

Wyre

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

Ripple

Snapdocs

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

Ripple

Nova Credit

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

Ripple

Mercury

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

Ripple

LendingHome

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

Ripple

Qualia

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

Ripple

Taulia

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

Ripple

Human Interest

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

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

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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

Compound

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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

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

Ripple

Prosper Marketplace

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Prosper Marketplace is an online lending platform that connects people who want to borrow money with individuals and institutions.

Ripple

EquBot

Crunchbase Website Twitter Facebook Linkedin

EquBot AI with Watson helps global investment professionals deliver better outcomes through custom AI portfolios as a service (PaaS).

Ripple

Synapse

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Synapse is a banking platform that enables companies to provide financial products to their customers.

Ripple

Collective

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Collective provides financial concierge services for self-employed people and businesses.

Ripple

AtoB

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AtoB is a technology company building payments infrastructure for the transportation industry.

Ripple

Embroker

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Embroker helps growing businesses save time and find the best value on the right coverage.

Ripple

Secfi

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Secfi works with startup employees and founders to provide equity planning and stock option financing.

Ripple

Sentieo

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Sentieo is a research platform that provides insights within the finance and corporate world.

Ripple

Bright Money

Crunchbase Website Twitter Facebook Linkedin

The new age Digital Bank powered by Artificial Intelligence to help middle class Americans

Ripple

Scratch

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Scratch is changing the way people experience debt.

Ripple

PayJoy

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PayJoy offers credit to under-served consumers in emerging markets worldwide.

Ripple

Finix Payments

Crunchbase Website Twitter Facebook Linkedin

Finix Payments is a fintech company that develops a payment processing platform for businesses.

Ripple

Atomic

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Atomic is a provider of personalized investment management services that lets companies embed investment accounts into their services.

Ripple

Treasury Prime

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Treasury Prime is a Banking-as-a-Service company that connects banks and FinTechs through an API.

Ripple

Branch International

Crunchbase Website Twitter Facebook Linkedin

Branch offers mobile financial services across emerging markets to spur human potential.

Ripple

Earnest

Crunchbase Website Twitter Facebook Linkedin

Earnest is a technology-lender that brings low-interest loans to high-potential people.

Ripple

Evergrow

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Evergrow is a climate fintech company that aims to be the first dedicated carbon offtake company.

Ripple

EarnUp

Crunchbase Website Twitter Facebook Linkedin

EarnUp is an intelligent loan payment automation.

Ripple

Torpago

Crunchbase Website Twitter Facebook Linkedin

Torpago is a financial technology company that provides corporate cards equipped with spend management software.

Ripple

Gusto

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Gusto provides a cloud-based payroll, benefits, and human resource management solution for businesses.

Ripple

Stellar Development Foundation

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Stellar Development Foundation supports the development and growth of Stellar, a blockchain network that connects financial infrastructure.

Ripple

Ripio

Crunchbase Website Twitter Facebook Linkedin

Ripio is a bitcoin and digital payments company that provides electronic payment solutions for businesses in Latin America.

Ripple

River Financial

Crunchbase Website Twitter Facebook Linkedin

River Financial is a Bitcoin financial institution allowing long-term investors to buy, sell, and manage Bitcoin.

Ripple

Stilt

Crunchbase Website Twitter Facebook Linkedin

Stilt offers financial services for immigrants, visa holders, and the underserved.

Ripple

Boast.AI

Crunchbase Website Twitter Facebook Linkedin

Boast.AI is a fintech platform that helps companies identify, claim, and finance R&D tax credits and government incentives.

Ripple

CERE Network

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CERE Network is a decentralized data cloud platform that delivers data integration and data collaboration solutions.

Ripple

Blend

Crunchbase Website Twitter Facebook Linkedin

Blend is a digital lending platform that supports and simplifies applications for mortgages, consumer loans, and deposit accounts.

Ripple

Portal

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Portal is a financial services company that trades crypto without putting coins at risk.

Ripple

One

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One is a provider of banking services intended to make banking experience better.

Ripple

Grain

Crunchbase Website Twitter Facebook Linkedin

Transform your debit card into a credit card

Ripple

Unison

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Unison offers a smart new financing alternative for accessing your equity without taking on debt.

Ripple

Resolve

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Resolve is a B2B payments platform that offers buy now, pay later billing for business purchases.

Ripple

Long-Term Stock Exchange

Crunchbase Website Twitter Facebook Linkedin

The Long-Term Stock Exchange designs an SEC-regulated national securities exchange that aligns great companies and long-term investors.

Ripple

Brightside

Crunchbase Website Twitter Facebook Linkedin

Brightside is an employer-based financial health solution that combines personal assistants and an innovative partner platform.

Ripple

Incode Technologies

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Powering the future of omnichannel biometric identity

Ripple

Dividend Finance

Crunchbase Website Twitter Facebook Linkedin

Dividend Finance is a Technology-enabled finance platform supporting the energy transition with lending and other financial solutions.

Ripple

Allocations

Crunchbase Website Twitter Facebook Linkedin

Allocations is building a private equity & venture capital economy that is open to all

Ripple

Fei Protocol

Crunchbase Website Twitter Facebook Linkedin

Fei Protocol is a direct incentive stable coin which is undercollateralized and fully decentralized.

Ripple

LendUp

Crunchbase Website Twitter Facebook Linkedin

LendUp is a socially responsible lender for the 56% of Americans shut out of mainstream banking due to low credit or volatile income.

Ripple

BOSONIC

Crunchbase Website Twitter Facebook Linkedin

The Bosonic Network™ is a Fintech platform that eliminates counterparty credit & settlement risk in digital assets trading.

Ripple

Stronghold

Crunchbase Website Twitter Facebook Linkedin

Stronghold creates virtual payment networks that give developers access legacy and next-generation payment networks through a simple API.

Ripple

Dealpath

Crunchbase Website Twitter Facebook Linkedin

Dealpath is the intelligent software solution empowering smart investment decisions with data-driven insights and digital collaboration

Ripple

Digits

Crunchbase Website Twitter Facebook Linkedin

Digits is a fin-tech company offering a visual, machine learning-powered expense monitoring dashboard for startups and small businesses.

Ripple

Migo

Crunchbase Website Twitter Facebook Linkedin

Migo is a cloud-based platform that allows customers to use loans, make purchases, and withdraw cash without the need for plastic cards.

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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