Top Best Fintech Startups in America

by Expert Investor Ross Blankenship

official ranking and list of the best #Fintech & Banking Companies 

Searching for the best, fastest-growing, hottest "fintech" startups and companies?  our experts on financial technologies - from banking, payments, money management, cryptocurrency, investing to currency - have researched and released the best startups in financial technology of which you should be aware.  Expert on startups, Ross Blankenship, has published his annual best-of-best fintech (financial technology) startup companies that are revolutionizing the way people bank, shop, and purchase goods and services.  

Fintech includes technologies such as bitcoin and the blockchain, investing companies, wealth management, banking and trading stocks.  We've also included new crowdfunding and equity platforms, inspired by the JOBS Act of 2012, which allowed investors like you the opportunity to invest in fintech startups, too.  

Now, read this list below of top financial startups, and be sure to share our list with those you know in the financial services and financial technology industries... we appreciate it! 


1.  indinero - BEST Accounting Software

The startup offers all–in–one back office accounting so businesses of all sizes can concentrate on revenue–generating activity instead of tedious accounting functions. InDinero also charges clients based on monthly pricing that is easy to predict, which may not always be the case with traditional accountants and bookkeepers. One thing that excites us about inDinero is that its product is designed for small and mid-sized business, but the product scales with business growth to support organizations with eight–figure revenues and 100 or more employees. InDinero was founded in 2009 by Jessica Mah, Andy Su and Andrea Barrica. It is currently headquartered in San Francisco, CA. We believe InDinero could become a multi-billion dollar startup in fintech.



Ethereum is a public blockchain-based distributed computing platform, featuring smart contract functionality. It provides a decentralized virtual machine, the Ethereum Virtual Machine (EVM), that can execute peer-to-peer contracts using a cryptocurrency called ether. Ethereum was initially proposed in late 2013 by Vitalik Buterin, a cryptocurrency researcher and programmer. Development was funded by an online crowd sale during July–August 2014.

#2 Best Fintech Startup

#2 Best Fintech Startup

3. - Best credit card for online purchases allows users to try on clothes from several major retailers, including Zara and Bloomingdale's, for free, using their own custom credit card. Customers only have to pay for the items if they decide to keep them., the startup, recently pivoted to cards that allow consumers to purchase products for 30 days before being charged.

Customers then have up to 10 days to decide which items they'd like to keep and purchase. Founded by Ankush and Arush Segal in 2012, is headquartered in San Francisco, CA.


4.  wealthfront - best new robo-advisor for investing

Wealthfront delivers on–demand investment advice and services without high account minimums and fees that keep many people from building wealth through investing. One thing that makes Wealthfront a top fintech is that it takes an existing solution–investment services–and makes it available to a new market. We talked before about creating a have situation for the have–nots, and this product does that. Deeply entrenched companies like Charles Schwab are now copying these auto–investing platforms. When the big boys copy your clothing, you know you’re onto something big.  

#5 Best Fintech startup.

#5 Best Fintech startup.

5.  FreshBooks - b2b app for invoicing

As a cloud accounting service, FreshBooks helps service-based small business owners manage their time and expenses, send branded invoices, and collect online payments by credit card, PayPal, or eCheck.  It saves users time, impresses clients and is accessible anywhere. FreshBooks was founded in 2003 by Mike McDerment, and is headquartered in Toronto.


The SumZero product combines several existing ideas to create a unique solution in a targeted niche. The website acts as a professional community–along the lines of LinkedIn, but without the broad scope. The target audience includes professional investors, advisors, and money managers. The audience can participate in an online community, sharing resources or promoting themselves, but SumZero's masterstroke is its detailed research database. Members of the community can share proprietary research or access data regarding top investment opportunities for vetting purposes.

SumZero offers its product at several levels. Basic access lets anyone read white papers written by the SumZero community or access free research. Elite access provides more premium content and industry research access. Professionals and money managers can choose from allocator or buy side subscriptions, which provide in–depth access to databases and networks, including job listings.

By providing information in a single location that helps fund managers achieve more success for clients, SumZero offers a product that professionals are willing to pay for. The targeted product also increases opportunities for successful branding and word–of–mouth marketing: Industry professionals are likely to subscribe when information is appropriate and easy to find, even if they already have subscriptions to other professional services, such as LinkedIn.  

#7 Best Fintech startup

#7 Best Fintech startup

7.  Meniga - best fintech marketing technology

Meniga is transforming the way banks and advertisers use transaction data, which creates smarter consumers with great products. Meniga is already serving +35 million consumers. The Meniga team is comprised of coders, designers, salespeople and data scientists who get excited about shaping the future of financial technology. They work with complicated solutions that operate across channels, are modular and customizable for every client. 


8.  Adyen - best payment gateway for large companies


Adyen is a technology company that provides businesses with a single solution to accept payments anywhere in the world. The only provider of a modern end-to-end infrastructure connecting merchants directly to Visa, MasterCard, and 250 other payment methods globally, Adyen delivers frictionless payments across online, mobile, and in-store. Headquartered in Amsterdam and San Francisco, with offices across North America, South America, Europe, Asia and Australia, Adyen serves more than 4,500 businesses, including 7 of the 10 largest U.S. Internet companies. Customers include Facebook, Uber, Airbnb, Netflix, Spotify, Dropbox, Evernote,, Yelp, Vodafone, Superdry, Mango, Crocs, O’Neill, SoundCloud, KLM and JustFab.


9.  Lenda - best fintech lending company

The startup has gone through three phases of seed financing, with the last phase netting $1.54 million in investments. One reason for strong interest in the project is that Lenda is one of the first companies to bring a disruptive approach to the mortgage industry. Companies with disruptive technology enter an industry with processes that run against traditional methodologies. In the case of Lenda, it takes the middlemen and lead generation out of the mortgage refinance market.

Lenda offers a less expensive alternative to traditional refinancing processes, because it is a lender and not a broker. Homeowners benefit from interest rates that are on average an eighth of a point to a quarter–point below the competition. It might sound like a small advantage, but over the life of a mortgage, the difference can be worth thousands of dollars. Lenda also says its closing costs are generally lower than those quoted by the competition. 


10.  ZCash - best cryptocurrency


Zcash offers total payment confidentiality, while still maintaining a decentralized network using a public blockchain. Unlike Bitcoin, Zcash transactions automatically hide the sender, recipient, and value of all transactions on the blockchain. Only those with the correct view key can see the contents. Users have complete control and can opt-in to provide others with their view key at their discretion.  Part of the Bitcoin family, Zcash was founded in 2015.


The best list of financial services and financial "fintech" apps above was compiled by leading expert on startups, Ross Blankenship, who has led several companies in the financial services and technology sector.

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