About FinTech sector in United States
The FinTech sector in United States comprises 46.8K companies, including 13.1K funded companies having collectively raised $468B in venture capital money and private equity. Out of these, 6.48K are Series A+ funded, and 201 have achieved unicorn status.
FinTech sector in United States has seen 3.44K acquisitions and 340 IPOs. This represents almost 8.1% of all such companies - which is higher than the 5.0% exit rate of tech companies in general.
This sector includes companies offering tech-enabled financial services and IT infrastructure and software for offering and managing financial services.
FinTech sector is also known as BFSI Tech.
Companies providing tech solutions to provide financial services like lending, banking, fundraising, insurance, etc are included in this sector. Companies offering traditional financial services like Banks, NBFCs, Insurance Carriers, etc are excluded.
Top FinTech Companies in United States
There are 46,783 FinTech startups in United States which include Circle, Robinhood, Gusto, Navan, Payoneer. Out of these, 13,051 startups are funded, with 6,481 having secured Series A+ funding, and 201 achieving unicorn status.
Over the past 10 years, an average of 2,626 new companies have been launched annually. Notably, several of these startups have been founded by alumni of Stanford University, Harvard University and University of Pennsylvania.
Here is the list of top FinTech startups in United States
1. Circle
Cross-border payment solution for businesses focusing on cryptocurrency. It offers a payments API for payment processing, a payouts API for global payouts solutions, and more. The mobile application is available for Android users.
Key facts about Circle
- Founded Year: 2013
- Location: Boston (United States)
- Stage: Public
- Total Funding till date: $1.5B
- Investors: Coinbase, Fin Capital and 49 Others
- Latest Funding Round: Series E, Aug 22, 2023, $*****
- Tracxn Score: 88/100 What is this?
- Competitors Rank: 1 of 522 Competitors
2. Robinhood
Broker-based online trading and investment platform. It offers tools for building investment strategies and tracking market trends. It facilitates trading in stocks, funds, options, and crypto assets. Expert-managed portfolios are available, providing market insights and investment adjustments. The company also provides educational resources to improve investor knowledge.
Key facts about Robinhood
- Founded Year: 2013
- Location: Menlo Park (United States)
- Stage: Public
- Total Funding till date: $5.73B
- Investors: DST Global, Sequoia Capital and 144 Others
- Latest Funding Round: Post IPO, May 13, 2022, $*****
- Tracxn Score: 87/100 What is this?
- Competitors Rank: 1 of 219 Competitors
3. Gusto
Provider of a cloud-based platform offering payroll, benefits, and HR solutions. It is a SaaS-based platform offering payroll, benefits, and human resource management solutions for growing businesses, aiming to simplify complex tasks for its clients.
Key facts about Gusto
- Founded Year: 2012
- Location: San Francisco (United States)
- Stage: Series E
- Total Funding till date: $718M
- Investors: Y Combinator, T. Rowe Price and 81 Others
- Latest Funding Round: Series E, May 13, 2022, $*****
- Tracxn Score: 86/100 What is this?
- Competitors Rank: 1 of 2,356 Competitors
4. Navan
SaaS-based corporate travel and expense management solution for businesses. It provides reward points to business travelers with the airline loyalty program. The platform offers an online booking tool, inventory management, payments, automated expense management and reports, customer reviews, program management, reporting, and more. Its app is available for iOS and Android devices.
Key facts about Navan
- Founded Year: 2015
- Location: Palo Alto (United States)
- Stage: Public
- Total Funding till date: $1.58B
- Investors: Andreessen Horowitz, Greenoaks and 22 Others
- Latest Funding Round: Series G, Oct 13, 2025, $*****
- Tracxn Score: 85/100 What is this?
- Competitors Rank: 1 of 517 Competitors
5. Payoneer
Provider of solutions for global payments, workforce management, and related services. The company facilitates international payments for freelancers, businesses, and marketplaces. It offers tools for managing global teams, including hiring, paying, and compliance. Services include multi-currency accounts, business cards, and working capital advances. The company also provides tax form collection and mass payout platforms.
Key facts about Payoneer
- Founded Year: 2005
- Location: New York City (United States)
- Stage: Public
- Total Funding till date: $269M
- Investors: CBC Capital, Ping An Ventures and 22 Others
- Latest Funding Round: Series E, Dec 05, 2017, $*****
- Tracxn Score: 85/100 What is this?
- Competitors Rank: 1 of 572 Competitors
Companies founded year-on-year in the FinTech sector in United States
4,879 FinTech startups in United States were founded in 2021 - this is the most number of startups founded in any year in the last 10 years.
- Total Number of Companies
Year | No. of companies |
|---|---|
2026 | - |
2025 | 308 |
2024 | 1,491 |
2023 | 2,610 |
2022 | 3,265 |
2021 | 4,879 |
2020 | 3,895 |
2019 | 3,462 |
2018 | 3,539 |
2017 | 2,815 |
Stage-wise distribution of FinTech sector companies in United States
Out of the total 46,783 FinTech companies in United States, 13,051 have secured funding. Among them, 6,481 have reached Series A or higher, and 4,967 to Series B or beyond.
Founded - 46,783
Funded - 13,051
Series A+ - 6,481
Series B+ - 4,967
Series C+ - 4,319
Company Stage | No. of companies |
|---|---|
Founded | 46,783 |
Funded | 13,051 |
Series A+ | 6,481 |
Series B+ | 4,967 |
Series C+ | 4,319 |
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Funding Trends in the FinTech sector in United States
Total funding year-on-year in the FinTech sector in United States
The FinTech sector in United States saw a total funding of more than $397B in the last 10 years. The most amount of funding was in 2021 at more than $89.5B.
- Total Funding
Year | Total Funding |
|---|---|
2025 | $34.1B |
2024 | $23.9B |
2023 | $30.4B |
2022 | $53.5B |
2021 | $89.5B |
2020 | $36.1B |
2019 | $38.4B |
2018 | $42.9B |
2017 | $23.7B |
Recent Funding Rounds in FinTech in United States
In the year 2026, till January 2026, FinTech companies in United States have raised $157M in equity funding across 8 rounds.
In the same period last year (i.e. till January 2025), FinTech companies in United States had raised $1.08B across 95 rounds.
So, 2026 has seen a 85.49% drop in funding in FinTech companies in United States as compared to 2025.
Here are some recent, important funding rounds in FinTech companies in United States:
Company | Round Raised | Amount Raised | Funding Date | Investors |
|---|---|---|---|---|
Series B | 1773 | Jan 09, 2026 | ||
Series A | 1291 | Jan 09, 2026 | and 9 more | |
Series A | 7372 | Jan 08, 2026 | ||
Series A | 1441 | Jan 08, 2026 | ||
Series B | 6206 | Jan 07, 2026 |
Top Investors in FinTech in United States
Y Combinator is the top investor in FinTech companies in United States based on number of companies invested.
Here are some top investors in FinTech companies in United States:
Investor | Location | Top Portfolio Companies |
|---|---|---|
Mountain View (United States) | ||
New York City (United States) | ||
Ho Chi Minh City (Vietnam) | ||
Sunnyvale (United States) | ||
Washington, DC (United States) |
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M&A activity in FinTech sector in United States
In the year 2026, till January 2026, 7 acquisitions happened in FinTech sector in United States. Last year, in 2025, a total of 308 acquisitions happened in FinTech sector in United States.
Here are some recent, important acquisitions in FinTech sector in United States:
Company | Acquisition Type | Acquisition Date | Acquirers |
|---|---|---|---|
Business Acquisition | Jan 08, 2026 | ||
Business Acquisition | Jan 07, 2026 | ||
Business Acquisition | Jan 07, 2026 | ||
Business Acquisition | Jan 07, 2026 | ||
Business Acquisition | Jan 06, 2026 |
Acquisition trends in FinTech sector in United States
Here are the acquisition trends in FinTech sector in United States:
- Total Number of Acquisitions
Year | No. of companies |
|---|---|
2026 | - |
2025 | 306 |
2024 | 287 |
2023 | 218 |
2022 | 329 |
2021 | 463 |
2020 | 267 |
2019 | 245 |
2018 | 289 |
2017 | 237 |
IPOs in FinTech in United States
In the year 2025, till December 2025, 14 IPOs happened in FinTech sector in United States.
Here are some recent, important IPOs in FinTech sector in United States:
Company | IPO Date | Exchange Symbol |
|---|---|---|
Dec 12, 2025 | National Association of Securities Dealers Automated Quotations (NASDAQ) | |
Nov 05, 2025 | New York Stock Exchange (NYSE) | |
Oct 30, 2025 | National Association of Securities Dealers Automated Quotations (NASDAQ) | |
Oct 01, 2025 | New York Stock Exchange (NYSE) | |
Sep 19, 2025 | Singapore stock exchange. ( SGX) |
Colleges which produce the most FinTech companies in United States
Companies founded by alumni from top colleges in the FinTech in United States
Most number of FinTech startups in United States have been founded by alumni from Stanford University, Harvard University and University of Pennsylvania.
College | No. of companies |
|---|---|
Stanford University | 572 |
Harvard University | 510 |
University of Pennsylvania | 370 |
University of California (Berkeley) | 353 |
Massachusetts Institute of Technology | 334 |
Columbia University | 269 |
Harvard Business School | 260 |
Wharton School | 250 |
Cornell University | 213 |
Stanford Business School | 182 |
Total funding in FinTech companies founded by alumni from top colleges in United States
In the last 10 years, Stanford University graduates' FinTech companies in United States have raised the most funding among top colleges. Harvard University alumni are second, and Massachusetts Institute of Technology alumni are third.
College | Total Funding |
|---|---|
Stanford University | $54B |
Harvard University | $42.3B |
Massachusetts Institute of Technology | $26.8B |
Stanford Business School | $24.3B |
Harvard Business School | $16.9B |
University of California (Berkeley) | $16.8B |
Cornell University | $15.7B |
University of Pennsylvania | $15.2B |
Wharton School | $14.3B |
Tel Aviv University | $13.6B |
Top News in FinTech in United States
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Bitwise files for 11 'strategy' ETFs, tracking tokens including AAVE, ZEC, TAOCoinDesk•Dec 31, 2025•Grayscale, Bitwise
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XFC Parent Xtreme One Entertainment Launches Capital RaiseGlobeNewswire•Dec 31, 2025•Xtremeone, OTC Markets Group
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AvidXchange Empowers ERP Partners with Accounts Payable as a ServiceGlobal FinTech Series•Dec 30, 2025•AvidXchange
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Grayscale files for first U.S. Bittensor ETP amid decentralized AI surgeCoinDesk•Dec 30, 2025•Grayscale
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Experian Wins Dataiku Frontrunner Award for AI-Driven Marketplace PlatformBusiness Wire•Dec 29, 2025•Experian
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Amplify ETFs Launches Stablecoin and Tokenization Technology ETFsGlobeNewswire•Dec 23, 2025•Amplify ETFs
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Shift4 Launches Global Stablecoin Settlement Platform, Unlocking Faster Payments for MerchantsBusiness Wire•Dec 22, 2025•Shift4
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