Top 10 Fintech Companies

When you purchase through links on our site, we may earn an affiliate commission. Here’s how it works.

Top Fintech Companies – Overview

After celebrating new enterprises and mega-funding rounds in 2021, the private fintech sector is now looking to cut costs and stretch funds to avoid raising additional capital at a lower evaluation.

Reports show publicly traded fintech companies are down 50% since November 2021. This has resulted in venture capitalists halting funding for startups in this particular sector.

In Q1-2022, fintech companies in the United States raised around US$ 13.3 billion, which is 27% less than last year, as per CB Insight data. Here, we have listed the top fintech companies in the US in 2022.

Top 10 Fintech Companies

Top Fintech Companies

Top 10 Fintech Companies – Top Fintech Companies

1 – Stripe (US$ 95 billion)

Stripe was founded in 2011. It works to help small and big companies process online payments, take business loans and automatically calculate and collect sales tax. Stripe remains the most valuable American private fintech company, with an evaluation of US$ 95 billion in the 2021 Series H round.

It is also the 4th most valuable private company. The company processed an astonishing US$ 640 billion in payments last year, which was 60% more than 2020.

2 – Klarna (US$ 46 billion)

Klarna is the pioneer of the buy-now-pay-later model. It focuses on moving customers away from conventional credit card payments. Instead, consumers can use the app to buy a large variety of products, such as sneakers to lipsticks, and request to schedule interest-free payments or pay at check-out.

The company makes a significant portion of its total revenue by charging retail partners for affiliate marketing and online payment services. Klarna is said to be in the process of raising US$ 1 billion in a down round that could lower the company’s evaluation to around US$ 30 billion.

3 – FTX (US$ 32 billion)

Industry experts consider FTX to be one of the largest crypto exchanges in the world. Its valuation was boosted from US$ 1.2 billion to over US$ 25 billion after the company raised US$ 1.5 billion in private funding last year, after raising around US$ 500 million in January 2022.

The company is based out of the Bahamas and handles almost 11% of the US$ 2.4 trillion derivatives traded worldwide monthly. FTX is on its way to become a household name by spending hundreds of millions of dollars on marketing and celebrity endorsements from Tom Brady, Kevin O’Leary, and David Ortiz. The company’s US section is valued at around US$ 8 billion.

4 – Chime (US$ 25 billion)

Chime is the largest digital bank in the US and rose to its current popularity by providing free checking accounts with no overdraft fees and providing cash advances to customers. According to industrial experts, Chime was supposed to go public in early 2022 but had to postpone the launch due to an unstable stock market.

The company is said to have acquired more customers in Q1-2022 than in any other quarter in the entire history of the company, which is indeed a remarkable feat for a fintech company.

5 – Ripple (US$ 15 billion)

Ripple is engaged in international payments and remittances through blockchain technology and dedicated cryptocurrency – XRP. The company has over 300 institutional clients, including big brands such as MoneyGram, Santander, and Standard Chartered. These clients use Ripple for 10% of all cross-border transactions to Mexico. The CEO is also said to be considering taking the company public soon.

6 – (US$ 14 billion) is a British crypto exchange that is also the world’s most popular cryptocurrency wallet. It allows users to manage private keys for several internationally recognized currencies. The company expanded its operations to the US and now serves customers in 35 different states.

The company was founded in 2011 and claimed to handle nearly 1/3rd of all bitcoin transactions worldwide through its online platform. The company has effectively handled 83 million crypto-wallets and more than US$ 1 trillion in transactions since its launch.

7 – Plaid (US$ 13.4 billion)

Plaid was founded in 2012 and helps fintech apps like Coinbase and Venmo connect with customers’ bank accounts and provide smooth payments and safe deposits. Plaid recently bought the identity verification and KYC (know your customer) compliance provider Cognito, for around US$ 250 million.

In 2021, Plaid increased its customer base from around 4,500 in late 2020 to more than 6,300 by June-end.

8 – OpenSea (US$ 13.3 billion)

OpenSea is a renowned name in the NFT craze. It is a peer-to-peer platform where users can create, trade, sell and buy NFTs. The company was founded in 2016 and earns its revenue by taking 2.5% from each sale.

OpenSea has thus processed about US$ 3 billion worth of NFT transactions each month, thereby earning around US$ 75 million in monthly revenue. The company currently manages more than 1.5 million accounts on the platform and maintains its dominance in the NFT market.

9 – Brex (US$ 12 billion)

Brex is renowned for offering corporate banking products, such as FDIC-insured corporate cash management accounts. It also offers travel rewards, corporate credit cards with no account fees, and integrated expense tracking features. It provides an online dashboard to its customers for expense management and eases their bill-paying process.

In August, Brex introduced a lending service aimed at venture-backing tech companies. It made its biggest acquisition to date in April, when it paid US$ 90 million for a software startup that helps users with budgeting and financial projections.

Some of the leading customers that use Brex technology include Carta, Airbnb, and ClassPass.

10 – GoodLeap (US$ 12 billion)

GoodLeap is a California-based engaged in providing green home upgrades. It acquired around US$ 13 billion in financing for about 380,000 homeowners. The company partnered with renowned banks, such as Goldman Sachs, to make the loans and secure the debt to sell to investors. It used its software to monitor loan performance.

Vendors and contractors are increasingly using GoodLeap’s point-of-sale app to get customers’ project loans approved instantly for solar panel installation. As of 2021, the company offered services in more than 20 categories, including energy-efficient windows, battery storage, and water-saving turf.


These are our selections for the top fintech companies operating in the United States in 2022. These companies are leaders in their own niche and serve several thousand to tens of millions of customers regularly.

See Also

Difference Between 5G vs LTE

What is 5G UW?

Verizon FiOS Availability

Xfinity Availability by State

What is 5G?

Verizon FIOS vs Cox

Follow us

Leave a comment

Your email address will not be published.