In 2013, Chris Britt was created at Startup in San Francisco Chime, who has made the list for seven years.
Cody Pickens for Forbes
TarvalHe promises for Fintech – especially in the personal finance space – has always been a more comprehensive financial system. This is at the heart of the success of some list veterans.
Chime, in its seventh year in Fintech 50, is the largest digital bank in America with seven million monthly users of its application. He has been a cost -reduction leader – does not target any monthly or overdone fee in his control accounts and makes payment available faster. Tala, in the list for a ninth consecutive year in a row, uses smartphone data and owner algorithms to make credit from $ 20 to $ 500 each to customers including Kenya, India and Mexico. Those small loans add only $ 1.3 billion in 2024. Propel, in its six -rugged submission, helps to empower those who receive government benefits, with a free debit card, personal finance tools and special agreements. In 2024, it reached the benefit of GAAP while revenues climbed 24% to $ 47 million.
But there are still undeserved segments that can be found-as evidenced by the first two timers on the list. Bilt Rewards is bringing a benefit to the country’s stretched tenants – they can earn a fine as air mile in their rental payments. In 2024, Bilt processed and rewarded members with more than $ 36 billion in annual payments and HOA payments, from $ 11 billion to 2023.
Meanwhile, True Financial Link offers a special debit card for those with dementia or mental disability – $ 12 a month allows those who manage the finances of the card holder to establish spending controls to protect against fraud. True Link has already served 250,000 families and has 157,000 current active card users. It also manages a bunch of growing assets – nearly $ 1.5 billion now – in special needs and other beliefs.
Here are the eight personal finance companies that made Fintech 50 for 2025:
BILT rewards
Headquarters: New York, New York.
Established in 2021, the start of the credit card allows us to make tenants to gain benefits as air miles in their rental payments. Tenants of 4.5 million apartment units can earn rental points, and the company processed over $ 36 billion in transactions in 2024.
Funding: $ 550 million by General Catalyst, Ontario Teacher Pension Plan and Left Lane Capital, among other things.
Last rating: $ 3.2 billion.
Date of Last Assessment: August 2024.
Bona Fides: In 2024, Bilt’s revenue increased to about $ 275 million, from $ 116 million to 2023, while its customer base expanded from 1.6 million to 3.5 million.
Founder: CEO Ankur Jain, 35, who previously began numerous startups in the industry ranging from real estate to childcare.
bell
Headquarters: San Francisco, California.
The largest digital bank in America, Chime first won a continuation by offering free and excessive tariff control accounts. This allows customers to overcome their accounts up to $ 200 for free and offers a credit card secured (a plus for those with limited or poor credit history). In 2024, Chime launched Mypay, a new salary access service that allows consumers to enter up to $ 500 of their salary before payday. Chime also won the beginning of Fintech Salt Labs last year to bring in the employer’s direct salary products.
Funding: $ 2.3 billion from Sequoia Capital, DST Global and Menlo Ventures, among other things.
Last rating: $ 25 billion.
Date of Last Assessment: August 2021.
Bona Fides: The Chime app has over 7 million monthly users. His wage service MYPAY exceeded two million users registered less than six months after its official start in July 2024.
Cofounders: CEO Chris Britt, 51, who made previous obstacles in Green Dot and Visa; Ryan King, 48.
Esusu
Headquarters: New York, New York and Los Angeles, California.
Esusu helps tenants build their credit stories and free results by reporting lease payments to credit offices. Property owners pay a monthly unit fee for this service, which increases timely payment, increases holder holding and increases ENG reporting. More than 20,000 properties and 1.8 million customers are actively reporting rent payments through ESUSU.
Funding: $ 145 million from Softbank, Motley Fool Ventures and Acumen fund, among other things.
Last rating: $ 1 billion.
Date of Last Assessment: January 2022.
Bona Fides: In 2024, it increased its customer base to more than 650 managers of property, lending and other financial institutions, from 400 a year ago.
Cofounders: Wemimo Abbey, 32, an Nigerian immigrant; Samir Goel, 30. The two had non -profit experience before Esusu began.
Kudos technologies
Headquarters: Los Angeles, California.
Kudos aims to help customers maximize credit card rewards. At the crate, its browser based app identifies the best card to use, recommends new cards based on spending habits and helps users follow benefits as monthly card rewards. Users can also earn additional rewards, called Kudos Boost, in over 15,000 traders, everyone pays a Kudos commission.
Financing: $ 17 million from investors Qed, Scifi VC and Patron, among other things.
Last rating: $ 45 million.
Date of Last Assessment: September 2023.
Bona Fides: By the end of 2024, Kudos was processing $ 25 million in monthly transactions (Gross Volume), over 100% from the previous year. Registered total users also increased to 300,000, from 150,000 to 2023.
Founders: CEO Tikue Anazodo, 33, and Ahmad Ismail, 30. The two worked as google products managers and claim before they started Kudo in 2021.
excrete
Headquarters: New York, New York.
Its provider app enables low -income families receiving government benefits such as SNAP (food stamps), rental assistance and tanf (cash payment) to manage those benefits alongside their income and finances general. Propel also issues a free mastercard for the benefits and profits of users (food stamps have their own government card), generating income from card exchange rates and from paying traders to promote affordable products, such as Wi-Fi low cost and groceries. , on the platform. In 2024, Propel reached the benefit (based on GAAP) and introduced many EBT security features that protect the benefits for cardholders.
Funding: $ 90 million by Andreessen Horowitz, Kleiner Perkins and NYCA Partners, among other things.
Last rating: $ 500 million.
Date of Last Assessment: February 2022.
Bona Fides: Income in 2024 amounted to $ 47 million, from $ 38 million in 2023.
Cofounders: CEO Jimmy Chen, 37, left a product manager position on Facebook to start propel; Coo Jeff Kaiser, 35; CTO RAM Mehta, 38.
sun
Headquarters: Los Angeles, California.
Established in 2016, Sunbit offers sales consumer funding for large unplanned expenses made in thousands of businesses, such as dental offices and vehicle repair shops for car manufacturers such as Volkswagen, Honda and Nissan. Its loans range from $ 50 to $ 20,000 and have average interest rates of 20%. The company had more than 3.7 million customers in 2024, from 2.6 million in 2023. Last year, it raised $ 355 million in the new debt financing led by JPMORGAN Chase, Mizuho and Waterfall Assset Management.
Funding: $ 300 million from Zeev Ventures, Group 11 and Chicago Ventures, among other things.
Last rating: $ 1.1 billion.
Date of Last Assessment: May 2021.
Bona Fides: It brought to $ 260 million in revenue in 2024, from $ 198 million to 2023.
COFONDERS: CEO Arad Levertrov, 47, who served in Israel’s Shayethet-13 unit, often referred to as Israeli Navy seals; Main revenue official Tal Rienfeld, 47; CTO ornit Maizel, 45; He’s Chief of Tamir Hazan, 50.
Tala
Headquarters: Santa Monica, California.
Makes a loan of $ 20 to 500 to Customers in Philippines, Mexico, Kenya and India who have little or no official borrowing history. Using the smartphone data and the owner’s algorithms, Tala appreciates the risk and allows borrowers to choose their repayment conditions. In its 11-year history, Tala has served over 10 million clients and distributed $ 6 billion credit across East Africa, Latin America and Southeast Asia, with $ 1.3 billion disbursed in 2024. Started her first portfolio of herself in Peru, which allows customers to deposit and attract Fiat stablecoins and get Tala loans.
Funding: $ 350 million from IVP, Revolution and Stellar Development Foundation, among other things.
Last rating: $ 800 million.
Date of Last Assessment: October 2021.
Bona Fides: Tala made loans for 2.5 million clients in 2024, from 2.1 million to 2023.
Founder: CEO Shivani Sirya, 42, who founded Tala after studying the influence of microcredit on sub-Saharan countries and West Africa for KB
True financial connection
Headquarters: San Francisco, California.
TRUE LINK offers a debit card with customizable expenses controls to help individuals with memory loss, mental health challenges or special needs to manage their responsible finances. The company supports over 150,000 clients, managing nearly $ 1.5 billion in assets and processing about $ 750 million in transactions each year. Service is available for $ 12 per month.
Financing: $ 60 million from Khosla Ventures, investors Qed and Centana growth of partners, among other things.
Last rating: $ 144 million.
Date of Last Assessment: January 2022.
Bona Fides: In 2024, revenues reached $ 30 million, with 30% from 2023, and the company earned $ 2 million net profits.
Founders: Kai Stinchcombe, 42, previously established two startups, including a sales management platform and a company’s analytical software redistribution company. Former TRUE LINK President Claire McDonnell, 41, was a Fulbright researcher and social influence consultant before dealing with the real connection in 2012.