Mckinsey TVC Report: 5 Hottest Fintech Startups Right Now

interface.ai: Humanizing Banking with AI

interface.ai is reshaping how banks and credit unions serve customers by bringing intelligent automation to everyday financial interactions. Its AI-powered virtual assistants can handle tasks like balance inquiries, mortgage payments, and account openings across voice and digital channels.

Founded in 2019, the company has onboarded more than 100 financial institutions and processes millions of interactions per day. In late 2024, it raised $30 million from Avataar Venture Partners in its first-ever funding round—after scaling impressively as a bootstrapped businesses. For regional and community banks looking to compete with larger institutions, interface.ai offers a path to modern customer experience without major infrastructure changes.

BridgerPay: The Payment Orchestrator for Global Businesses

BridgerPay simplifies payments for businesses operating across multiple geographies and providers. Its platform unifies payment operations, increases approval rates, and provides a single dashboard for managing transactions from start to finish. One standout feature is Bridger Retry™, an intelligent system that automatically reroutes failed transactions to alternate providers—giving merchants a second chance to capture revenue that would otherwise be lost.

What makes BridgerPay stand out is its ability to optimize routing in real time, choosing the best provider based on performance or location. This flexibility gives merchants more control and insight, while reducing failed transactions and customer drop-off. As e-commerce and SaaS companies scale internationally, BridgerPay’s solution is becoming essential infrastructure.

Ramp: Spend Less, Grow More

Ramp offers a corporate card with automation software that helps businesses manage and reduce expenses. The software gives finance teams real-time visibility into where money’s going while also uncovering opportunities to save. The company says its platform helps users cut spending by 3.5% on average.

Since its founding in 2019, Ramp has seen rapid growth—reaching $700 million in annualized revenue by early 2025. Backed by investors like D1 Capital and Stripe, its valuation crossed $1.6 billion after a $115 million raise. Ramp isn’t just a card—it’s a full stack finance assistant that’s especially valuable for high-growth companies focused on efficiency. 

Increase: Infrastructure for Better Payment Flows

Increase is building the backbone for businesses to access and control their money more efficiently. Its develop-first platform helps companies accept payments, initiate payouts, and gain transparency into their financial flows with modern APIs and strong security.

Increase can turn bank accounts into programmable infrastructure. By abstracting the messy parts of legacy financial systems, it gives teams the tools to build custom money movement experiences without the usual friction. For engineers and finance teams alike, it’s a fresh take on business banking.

Mercury: Banking Built for Startups

Mercury delivers FDIC-insured banking designed specifically for startups. Its sleek platform offers checking and savings accounts, virtual and physical debit cards, cash flow analytics, and integrations with accounting tools—all with a focus on ease and speed.

Mercury understands startups better than traditional banks do. Whether it’s supporting remote teams, managing multiple entities, or integrating with develop tools, the platform is built for the realities of modern tech companies. It is a go-to for founders who want more from their bank.

FinTech’s Next Chapter is Already Being Written

What unites these startups isn’t just clever tech or impressive growth—it’s their focus on solving real-world problems at scale. Each company is building critical infrastructure for a more agile, intelligent financial future.

As financial services shift from legacy to cloud-native, from manual to automated, these startups aren’t just participating in that change—they’re accelerating it. They represent not just what’s hot in FinTech today, but where the entire industry is heading tomorrow.