The fintech world is changing very quickly, with new companies changing the way people and businesses handle money. A new wave of startups appeared all over the world in 2024 and 2025. They worked on everything from cross-border banking to modular payment systems and AI-powered financial tools.
These businesses are not only fixing problems right away, but they are also laying the groundwork for the next generation of financial services.
The Rise of Fintech
Fintech has grown from a few niche payment apps to a global industry worth hundreds of billions of dollars in the last ten years. The rise of digital wallets, embedded finance and decentralised technologies has changed what people expect. The 2024–2025 startups show a new phase with modular infrastructure, cross-border inclusion and AI-based decision-making. These companies show that fintech is no longer just a tool for banks; it’s becoming the basis of global finance.
How Fintech Helps Businesses
Fintech startups are changing the way businesses get money, handle their finances and connect with customers. POS Finance and similar platforms give small and medium-sized businesses (SMEs) flexible ways to get money. Monato and Fintologya let businesses add financial services to their ecosystems. Fintech cuts costs, makes things more clear and lets even the smallest businesses work with the same level of sophistication as big companies.
The Future of Fintech
Fintech will keep adding AI, blockchain and modular APIs to make financial systems that are smarter and more open to everyone. Automation, personalisation and efficiency are the way forward for startups like Kira and Kaaj AI. At the same time, businesses like Vesta and Munify show how important it is to include everyone in the economy. As rules change and technologies get better, the next generation of fintech will probably make it hard to tell the difference between regular banking and tech-driven finance.
What Are the Top 10 Fintech Startups?
There are many notable FinTech startups, but the 10 listed below stand out. These companies are not only tackling today’s financial challenges but also paving the way for a more inclusive, agile and intelligent financial future.
Fintologya
Fintologya started in 2024 and is now building cloud-native, modular payment systems for banks and fintechs. Its platform makes it easy for banks and other financial institutions to quickly launch and grow digital financial products without having to deal with old systems. The startup is in a good position to grow throughout the Middle East and beyond thanks to a $1 million seed round.
Kashimi
Kashimi, which started in 2024, works on payment initiation and infrastructure. Kashimi wants to make payments easier all over Europe by letting merchants and fintechs work together without any problems. Their $1.36 million pre-seed round shows that investors have a lot of faith in the growing digital payments ecosystem.
XFOLIO
The goal of XFOLIO, which was founded in 2024, is to combine corporate treasury and wealth management into one easy-to-use platform. The startup is going after businesses and high-net-worth clients who need all-in-one financial solutions by working on both treasury workflows and portfolio management.
POS Finance
POS Finance, which started in 2024, helps small and medium-sized businesses get loans based on their income. Their model ties repayments to a company’s weekly turnover instead of having strict repayment schedules. This flexible method makes it easier for small and medium-sized businesses to get growth capital without the usual lending limits.
Monato
Monato is a fintech company that started in 2024. It is building API-first modular infrastructure for embedded finance in Latin America. Monato gives local businesses the tools they need to add advanced financial services directly to their platforms, such as direct debit, FX and cross-border payments.
Munify
Munify is a Y Combinator-backed startup that started in 2024 and offers a neobank for Egyptians living abroad. It helps millions of expats support their families back home by letting them send money home for cheap and giving them access to international banking services.
Kira
Kira, which started in 2025, is the cutting edge of AI-powered fintech. The company calls itself “FinTech 3.0” because it uses AI agents and stablecoin rails together. Kira is trying out new ways to combine automation and decentralised finance for the next generation of financial services with its new seed funding.
Vesta
Vesta, which was also started in 2025, helps immigrant families with their money problems. The platform makes it easier to sign up for an ITIN and opens up new ways to save for retirement. Vesta is working on one of the most important inclusion problems in fintech by focussing on communities that don’t get enough help.
Kaaj AI
Kaaj AI started in 2024 and makes AI tools for banks and credit unions. Its main goal is to help banks and other financial institutions better understand and serve small business customers. Kaaj AI uses AI first to connect traditional banks with the changing needs of entrepreneurs.
Creem
Creem was started in 2024 and provides financial services that are specifically designed for AI startups and teams that work from different places. The platform offers services like global payments and compliance tools that make it easier for new tech companies that need to grow across borders from the start.