BharatPe Valuation, Funding & Investors

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.

Ualá is an Argentine financial technology company that runs a digital banking platform for consumers and merchants across Argentina, Mexico and Colombia. It was founded in 2017 by Pierpaolo Barbieri and started with a mobile app linked to a prepaid Mastercard card. The app now offers debit and credit cards, transfers, bill payments, loans, investment funds, insurance and a remunerated account, while its merchant arm Ualá Bis provides card acceptance. Ualá bought the digital bank Wilobank in Argentina, the Mexican bank ABC Capital, the buy-now-pay-later lender Ceibo Creditos and the e-commerce platform Empretienda. It became a unicorn in August 2021 with a USD 350 million Series D and was valued at USD 3.2 billion after a USD 195 million round in March 2026. The company serves more than 11 million customers.

OnePay is a financial mobile app providing banking, fintech solutions, online payments, cash transactions, and digital wallet services based in Ho Chi Minh City, Vietnam. The app supports transfers, bill payments, and QR code scanning for merchants. OnePay serves consumers and businesses in Southeast Asia with integrated financial tools.

Uzum is a Tashkent-headquartered super-app ecosystem powering e-commerce and fintech in Uzbekistan and Kazakhstan. It encompasses Uzum Market for online retail, Uzum Bank for digital payments and loans, Uzum Delivery for logistics, and services like utility bill payments and ride-hailing. The platform integrates shopping, finance, and everyday utilities into one interface. Businesses leverage its marketplace to access millions of consumers across Central Asia.

kakaopay Corp is a mobile payment and digital wallet service provider. It provides easy payment, easy remittance, and other financial services. It operates in two segments: Financial Services and Non-financial Services.

Greenlight is a financial technology company offering a debit card and app for family money management. The platform enables parents to set spending limits, assign chores with automated allowances, and facilitate investments in stocks and ETFs for children. Headquartered in Atlanta, Georgia, and launched in 2014, Greenlight partners with Visa for its Level 1 debit cards and provides cash back rewards up to 3 percent on purchases. The service covers earning, saving, spending, gifting, and investing features tailored for parents and kids across the United States.

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.

Banco Invex SA Institucion De Banca Multiple-Invex Grupo Financiero is a Mexican financial institution which delivers specialized solutions. The company's business divisions are Private Banking, Business Banking, Cards, Trust, Infrastructure, and Leasing. The services provided by the company includes provision of banking and credit financial services, transactional and fiduciary services, granting of finance to corporate clients, large and medium-sized businesses through commercial loans, working capital credit lines, and other. It also offers various products such as the issuance of letters of credit, transactions with derivatives, financial counseling, and financial factoring operation.

CloudWalk is a São Paulo-headquartered financial technology platform that operates InfinitePay for payment terminals and Jim.com for digital banking services across Brazil. The company delivers point-of-sale devices, digital wallets, loans, and e-commerce tools powered by artificial intelligence to serve over 1 million small businesses and individuals. CloudWalk processes billions in transactions annually through its payment gateway and offers instant credit lines based on transaction data analysis. Founded in 2019, it has expanded to Mexico and Colombia, partnering with major retailers and banks to facilitate cashless payments in underserved markets. The platform's AI-driven fraud detection and dynamic pricing models enhance operational efficiency for merchants handling daily sales volumes.

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.

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.

Lunar is a Copenhagen-headquartered digital bank founded in 2015 holding a full banking license. The mobile app delivers personal finance tools such as free accounts, payments, savings, loans, investments, and insurance to customers in Denmark, Sweden, and Norway. Operations extend from offices in Aarhus, Copenhagen, Stockholm, and Oslo.

QI Tech is a Brazilian financial infrastructure company that gives businesses the technology to launch banking, lending, payments and anti-fraud products through application programming interfaces. It was founded in 2018 by Pedro Mac Dowell, who is chief executive, and describes itself as the first direct credit company (SCD) approved by the Brazilian Central Bank. Its product lines include banking as a service, lending as a service, risk solutions for onboarding and fraud prevention, and the administration and custody of investment funds. Its website reports R$494 billion in Pix payments processed, more than R$107 billion in credit issued and R$181 billion under administration. Clients include 99, Shopee and QuintoAndar. The company raised a Series A led by GIC in 2021, a Series B led by General Atlantic in 2023 and two extensions of that round in 2024 and 2025, and it has grown through acquisitions including Zaig, Builders Bank, Singulare and Autobanking.

Dave Inc is a financial services company. It is engaged in offering banking app that offers its customers banking, financial insights, overdraft protection, building credit and finding side gigs.

bunq is an Amsterdam-headquartered mobile bank that delivers current accounts, savings options, debit cards, and payment processing through its app. Established in 2012 and regulated by De Nederlandsche Bank, it supports up to 25 sub-accounts for budgeting, real-time transfers via SEPA Instant, Apple Pay integration, and carbon offset features where users plant trees per transaction. The bank exposes open banking APIs for third-party integrations and emphasizes sustainability alongside features like travel insurance and investment products.

Varo Bank is a San Francisco-headquartered digital bank offering fee-free checking and high-yield savings accounts through its mobile app. Launched in 2020 after receiving a national bank charter, it provides cash advances, credit building tools, and FDIC-insured accounts up to $250,000 via The Bancorp Bank partnership. Founded in 2015, Varo serves over 5 million users nationwide.

Nelnet Inc is a United States based company engaged in these four reportable segments; Loan Servicing and Systems focuses on student and consumer loan origination services and servicing, loan origination and servicing-related technology solutions, and outsourcing business services; Education Technology Services and Payments segment provides education services, payment technology, and community management solutions for K-12 schools, institutions, churches, and businesses; Asset Generation and Management segment includes the acquisition and management of student and other loan assets; and Nelnet Bank focuses on the private education and unsecured consumer loan markets. Maximum revenue for the company is generated from its Education Technology Services and Payments segment.