​New York City is a vibrant hub for financial technology (fintech) innovation, hosting a diverse array of companies that are transforming the financial landscape. Below is an updated list of notable fintech startups based in New York City, along with detailed descriptions of their services and impact.

1. Plaid

• Industry: Financial Services, APIs
• Founded: 2013
• Description: Plaid provides a platform that enables applications to connect with users’ bank accounts, facilitating seamless financial data access. Its APIs are utilized by over 11,000 apps, including prominent services like Venmo and Robinhood, making it a cornerstone of the fintech ecosystem. citeturn0search2

2. Betterment

• Industry: Robo-Advisory
• Founded: 2010
• Description: Betterment offers automated investing and financial planning services, managing over $33 billion in assets for more than 700,000 customers. The platform aims to help users grow their wealth through diversified investment strategies. citeturn0search2

3. Stash

• Industry: Personal Finance, Investing
• Founded: 2015
• Description: Stash is a micro-investing app that allows users to invest in stocks, ETFs, and cryptocurrencies with as little as $5. With over six million users in the U.S., Stash focuses on making investing accessible to everyone. citeturn0search2

4. Xero

• Industry: Cloud Accounting, Software
• Founded: 2006
• Description: Xero is a global small business platform offering cloud-based accounting solutions, payroll, workforce management, expenses, and projects. It serves over 3.95 million subscribers and has an extensive ecosystem of connected apps and bank integrations. citeturn0search1

5. Capco

• Industry: Financial Services, Consulting
• Founded: 1998
• Description: Capco is a global technology and management consultancy specializing in driving digital transformation in the financial services industry. It operates at the intersection of business and technology, delivering data-driven solutions for banking, payments, capital markets, wealth and asset management, insurance, and the energy sector. citeturn0search1

6. Brigit

• Industry: Personal Finance, Mobile App
• Founded: 2017
• Description: Brigit aims to help everyday Americans build a brighter financial future by offering transparent, fair, and simple financial products. The app provides tools to manage finances, avoid unfair fees, and promote sustainable financial health. citeturn0search1

7. Lili

• Industry: Neobank, Financial Services
• Founded: 2018
• Description: Lili is a neobank tailored for independent professionals, such as freelancers and small business owners. It offers a mobile app that helps self-employed workers manage their finances, including faster access to funds and tax preparation tools. citeturn0search2

8. Capchase

• Industry: Financial Services, Revenue Financing
• Founded: 2020
• Description: Capchase provides non-dilutive capital to startups through recurring revenue financing. By offering flexible cash flow solutions, it empowers entrepreneurs to scale their businesses without giving up equity. citeturn0search2

9. Clear Street

• Industry: Financial Services, Trading Platform
• Founded: 2018
• Description: Clear Street is a cloud-native prime brokerage platform offering trading services. It aims to modernize the trading experience with advanced technology and efficient services. citeturn0search2

10. NYDIG

• Industry: Financial Services, Bitcoin
• Founded: 2017
• Description: NYDIG is an end-to-end financial services platform focused solely on Bitcoin transactions. It provides brokerage services, mining services, and asset management, aiming to integrate Bitcoin into the broader financial system. citeturn0search2

11. January

• Industry: Financial Services, Debt Collection
• Founded: 2016
• Description: January is a fintech startup aiming to reform the debt collection industry by working with borrowers and creditors to reach data-driven, mutually beneficial resolutions. It focuses on making debt collection more secure, transparent, and hassle-free. citeturn0search2

12. Attune

• Industry: Insurtech
• Founded: 2016
• Description: Attune simplifies the process of securing insurance for small business owners, allowing them to get insured in minutes by answering a few simple questions. citeturn0search2

13. Landis

• Industry: Real Estate, Financial Services
• Founded: 2018
• Description: Landis is a fintech startup that helps renters transition to homeownership. The company uses technology and data science to identify potential homeowners, purchase homes on their behalf, and guide them through the process of improving their financial health. Clients rent the property from Landis while working towards mortgage eligibility, eventually buying the home when they qualify.

Conclusion

New York City has firmly established itself as a global fintech powerhouse, hosting a diverse range of companies that are reshaping financial services across multiple sectors. From digital banking and investment platforms to blockchain-based services and insurtech innovations, these startups and established firms are driving financial inclusion, automation, and efficiency.

The city’s fintech ecosystem benefits from its proximity to Wall Street, a deep talent pool, and strong investor interest, making it an ideal hub for financial innovation. As technology continues to evolve, NYC’s fintech scene is expected to grow further, fostering new solutions that will redefine how individuals and businesses interact with financial services.