AideXa Funding, Investors & Competitors

OakNorth is a digital bank providing loans to small and medium enterprises overlooked by traditional lenders. London-headquartered, the neobank offers secured property finance, working capital facilities, and term loans for hospitality, social housing, education, and healthcare sectors across the UK. It uses AI-powered credit analysis for rapid underwriting. Founded in 2015, OakNorth supports developers and operators with tailored debt products.

Capital One is a diversified financial services holding company headquartered in McLean, Virginia. Originally a spinoff of Signet Financial’s credit card division in 1994, the company is now primarily involved in credit card lending, auto loans, and commercial lending. Following the acquisition of Discover in 2025, the firm also has a modest personal loan business, though credit card lending provides the majority of the bank's revenue.

Jiedaibao is a Beijing-headquartered mobile platform launched in 2015 for peer-to-peer lending and borrowing. The app allows users to set independent interest rates, automatically generates legal electronic contracts, and sends reminders for repayments and expirations, supporting flexible personal loan arrangements.

Upgrade is a San Francisco-headquartered fintech company delivering personal loans, home improvement financing, auto loans and refinancing, plus credit cards that convert to fixed-rate installment plans. Its offerings extend to high-yield savings and rewards checking accounts, credit monitoring services, and educational resources for credit management. Upgrade Shopping provides cashback rewards at participating retailers to complement card benefits. Founded in 2017, the platform targets mainstream consumers with accessible banking and credit products.

Starling Bank is a London-based digital bank offering personal current accounts, joint accounts, and business banking via mobile app. Launched in 2017, it provides savings spaces, overdrafts up to £5,000, and debit cards with no foreign fees. Starling serves over three million customers with FSCS protection up to £85,000.

C6 Bank is a São Paulo-headquartered digital bank offering checking accounts, credit cards, investments, loans, and multi-currency wallets exclusively through its mobile app. Launched in 2019, the bank serves over 20 million Brazilian customers without physical branches, integrating services like free toll payments and global transfers. C6 Bank partners with Mastercard and holds a full banking license from Brazil's central bank.

Mynt is a Philippines-based digital finance super app from Globe Telecom, Ayala Corporation, and Ant Financial. Launched in 2017 as GCash operator via Mynt, it provides payments, remittances, microloans, business tools, and open platforms. Manila-headquartered, Mynt serves 80 million users with GSave deposits, GInsure policies, and GCredit lending. It leads Southeast Asia's mobile wallet market through QR payments and biller networks.

Lendable is a London-based peer-to-peer lending marketplace matching individual investors with personal loan borrowers in the United Kingdom. The platform processes applications in minutes without paperwork, funding loans from investor deposits.

BlockFi is a cryptocurrency lending platform that issues USD loans backed by client-held Bitcoin and Ethereum collateral. New York-headquartered during its operational phase, it partnered with custodians like Gemini for asset storage and served retail and institutional borrowers across multiple US states. The service integrated with leading blockchains to provide liquidity options including interest-bearing accounts.

Jubao Internet Technology is a Haikou-based internet finance platform and subsidiary of HNA Group. Established as JBH, it designs and markets financial products including wealth management and lending services for individuals and corporations across China. Backed by HNA's aviation and logistics resources, the company holds licenses for online lending and payment services, prioritizing user experience through mobile apps and secure transactions.

Creditas is a São Paulo-headquartered fintech offering asset-backed consumer loans through its app to 5 million Brazilians. Borrowers pledge autos, motorcycles, or home equity for credit lines up to 200,000 reais at rates 40% below market averages. Operating in 1,600 cities since 2012 rebrand from BankFacil, it partners with BV and Itaú for funding, disbursing 10 billion reais yearly with AI underwriting.

Cross River Bank is a Fort Lee, New Jersey-headquartered chartered bank providing embedded finance infrastructure to fintech firms. It delivers API-based banking services including loan origination, payment processing, cryptocurrency deposits, and compliance tools. Established in 2008, the bank powers platforms for clients such as Affirm, Coinbase, Stripe, and Upstart through partnerships that handle billions in transaction volume annually.

Grab Financial Group is the fintech arm of Grab offering payments, lending, insurance, and rewards across Southeast Asia. Headquartered in Singapore, it provides GrabPay digital wallet for in-store purchases, peer-to-peer transfers, and merchant POS systems. Since 2016, it serves 25 million monthly users in eight countries including Indonesia, Malaysia, and Thailand with microloans via GrabFinance and policies through GrabInsure.

Naver Financial Corp. is a financial technology subsidiary of Naver Corporation that delivers digital payment, lending, insurance, securities trading, and real estate services across South Korea. It operates Naver Pay, a mobile wallet integrated with over 3 million offline merchants and major banks like Shinhan and KB Financial Group. The company provides Line Pay in Japan through its partnership with Line Corporation and offers tools such as interest-bearing savings accounts, peer-to-peer transfers, and unlisted stock marketplaces. Headquartered in Seongnam, South Korea, Naver Financial Corp. supports small businesses with low-fee payment terminals that handle coupons, reviews, and loyalty points while expanding insurance comparisons for auto and travel policies.

Moove is an African mobility fintech providing vehicle financing to ride-hailing drivers via revenue-based loans. Lagos-headquartered, it partners with Uber and Bolt, using app data for credit scoring in Nigeria, Ghana, and Kenya. Founded in 2020, Moove has deployed thousands of vehicles, expanding to Côte d'Ivoire.

JPMorgan Chase is one of the largest and most complex financial institutions in the United States, with more than $4.4 trillion in assets. It is organized into four major segments: consumer and community banking, corporate and investment banking, commercial banking, and asset and wealth management. JPMorgan operates and is subject to regulation in multiple countries.

Industrial and Commercial Bank of China was founded in 1984 and is headquartered in Beijing. The bank listed its shares in mainland China and Hong Kong in 2006. It is China's largest by asset scale and by share of lending and deposits. Central Huijin Investment (China's sovereign wealth fund manager) and China's Ministry of Finance are ICBC's two largest shareholders, each with a stake of around 35%. ICBC operates over 16,000 outlets. Of these, 413 outlets are in 49 countries and regions overseas. Corporate banking, retail banking, and wholesale banking accounted for 48%, 40%, and 12% of total revenue, respectively, and 58%, 23%, and 18% of profit before tax in 2024. Overseas banking and other business contributed 13% of total revenue and 11% of profit before tax in 2024.

Bank of America is one of the largest financial institutions in the United States, with more than $3.4 trillion in assets. It is organized into four major segments: consumer banking, global wealth and investment management, global banking, and global markets. Bank of America's consumer-facing lines of business include its network of branches and deposit-gathering operations, retail lending products, credit and debit cards, and small-business services. The company's Merrill Lynch operations provide brokerage and wealth-management services, as does its private bank. Wholesale lines of business include investment banking, corporate and commercial real estate lending, and capital markets operations. Bank of America has operations in several countries but is primarily US-focused.