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 Financial 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.

Rocket Companies is a financial services company that was originally founded as Rock Financial in 1985 and is currently based in Detroit. Rocket Companies offers a wide array of services and products but is best known for its Rocket Mortgage business. The company’s mortgage lending operations are split between its direct-to-consumer lending, which sees borrowers accessing the company’s lending arm directly through either its mobile app or website, and its partner network where mortgage brokers and other firms use Rocket’s origination process to offer loans to their customers. The company has rapidly gained market share in recent years and will also be the largest mortgage servicer in the US following its acquisition of the Mr. Cooper Group.

Jiedaibao is a Beijing-based Chinese internet lending platform whose mobile app lets people borrow from and lend to friends and acquaintances. A borrower publishes a request with an amount, annualised rate and repayment date of their own choosing while the lender can remain anonymous, and the platform later built electronic IOU services, employee-benefit products and a loan-referral business on top of the app. It was launched on 22 June 2015 by Renrenxing Technology, a company in the JD Capital (Jiuding) group, and the app is now operated by Chengdu Jiebao. Its early growth was driven by a RMB 2 billion cash-for-referrals campaign, and by 2024 it reported more than 140 million users. Jiedaibao raised RMB 2 billion in a first round in August 2015 and RMB 2.5 billion in a Series B at a RMB 50 billion valuation in January 2016. In March 2025 China's CCTV 3·15 consumer-rights broadcast accused the platform of facilitating predatory lending through electronic IOUs, after which it set up a rectification team and restricted the IOU function.

Upgrade is a San Francisco-based fintech company and neobank that provides consumer credit and banking products to mainstream US consumers. Its offerings include personal loans, the Upgrade Card and OneCard credit cards that convert purchases into fixed-rate installment plans, home improvement and auto financing, buy-now-pay-later travel financing through Uplift, which it acquired in 2023 for US$100 million, high-yield savings and rewards checking accounts, and free credit monitoring tools. Loans and cards are issued through partner banks, and Upgrade earns revenue mainly from interest, origination fees and the sale of loans to institutional investors. It has helped customers access more than US$50 billion of consumer credit since it began lending in 2017, and its annualised revenue passed US$1 billion in May 2025. The company is headquartered in San Francisco, with an operations center in Phoenix, Arizona, a technology center in Montreal and about 1,950 employees. It was founded in 2016 by Renaud Laplanche, the co-founder and former chief executive of LendingClub. Upgrade has raised about US$750 million of equity from investors including Union Square Ventures, Ribbit Capital, Koch Disruptive Technologies, Coatue, DST Global and Neuberger Berman, most recently at a US$7.3 billion valuation in October 2025.

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.

Du Xiaoman Financial is Beijing-based Baidu Financial Services Group offering short-term consumer loans, wealth management products, and payment services. Holding licenses for third-party payments and fund distribution, it operates Chaituo installment loans and Qianfubao wallet, serving millions of users through Baidu app integrations.

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 Brazilian financial technology company that offers loans secured by homes, cars and payroll, together with insurance and a used-car marketplace. It was founded in 2012 by Sergio Furio as BankFacil and renamed Creditas in 2017. The company funds its loans largely through securitisation vehicles and, since the closing of its purchase of Bank Andbank Brasil in late 2025, holds a banking licence. Its Series G round of USD 108 million in December 2025 was led by Andbank at a post-money valuation of USD 3.3 billion, down from USD 4.8 billion in 2022. Earlier backers include SoftBank, Fidelity, Kaszek, QED Investors, VEF, Lightrock and Amadeus Capital. Acquisitions include Creditoo, Bcredi, Minuto Seguros, Volanty and Kzas, and it holds an investment in the electric motorcycle maker Voltz.

Cross River Bank is a technology-focused regulated bank and financial-infrastructure provider. Its products combine software, operations and support needed to deliver the service reliably in its target market. The company serves fintech platforms, payment companies, lenders and businesses embedding banking products, and its offering addresses a repeatable commercial or operational workflow rather than an unrelated namesake activity. It earns interest income, origination, payments, banking-as-a-service and platform fees, which explains how customers pay and how the company sustains the product. Public company material and transaction reporting establish that the bank acquired HUBUC in July 2024 to expand embedded-finance capabilities. Those sources also anchor the website, location, founding year and ownership identity used in this correction. This expanded profile records the business model, customer group, revenue mechanism and relevant transaction history required for participant-level deal validation.

Grab Financial Group is the financial services arm of the Southeast Asian super app Grab, launched in 2018. It offers digital payments, consumer and merchant lending, insurance and wealth products to the users, driver-partners and merchants of the Grab ecosystem. The unit aims to give underbanked consumers and small businesses simple and affordable financial products across Southeast Asia. In January 2021 it raised more than 300 million US dollars in a Series A round led by Hanwha Asset Management at a reported valuation of 3 billion US dollars. The parent company, Grab Holdings, is listed in the United States and reports financial services as one of its operating segments.

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.

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.

Moove is a mobility-finance company founded in 2020 and headquartered in Dubai. It supplies vehicles and revenue-based financing to drivers working through ride-hailing and delivery platforms. The company uses mobility and payment data to underwrite drivers who may lack access to conventional vehicle credit. Drivers make recurring payments from operating income, while Moove earns financing, leasing and fleet-service revenue. The business expanded from Africa into Europe, the Middle East, India and the Americas through partnerships with platforms including Uber and Waymo. In January 2025 Moove announced the acquisition of Brazilian mobility provider Kovi, adding a large Latin American fleet and connected-vehicle technology. Later reporting treats Kovi's operations as acquired, while the brand and management continued. This moove.io company is distinct from the Brazilian lubricant manufacturer, Irish estate agency and US fitness application that share the Moove name.

JPMorgan Chase is a publicly traded financial services group based in New York that operates through the J.P. Morgan and Chase brands. It serves consumers, small businesses, corporations, institutional investors and government clients in the United States and internationally. Its consumer and community banking activities provide deposit, borrowing and related financial services to individuals and businesses. Commercial and investment banking operations advise clients, arrange capital, extend liquidity, manage financial risk and provide payments and asset-custody services. Asset and wealth management businesses manage investments across multiple asset classes for individuals, financial advisers and institutions. The group earns interest, banking and transaction fees, advisory fees and investment-management income from these activities. It has also made private investments through affiliated vehicles, including the indirect ownership of JPMorgan Private Capital Asia’s investment in Tianrui Cement.

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 15,000 outlets. Of these, 413 outlets are in 49 countries and regions overseas. Corporate banking, retail banking, and wholesale banking accounted for 49%, 39%, and 11% of total revenue, respectively, and 49%, 33%, and 17% of profit before tax in 2025. Overseas banking and other business contributed 14% of total revenue and 9% of profit before tax in 2025.