D360 bank Valuation, Funding & Investors

Lumin Digital is a San Diego-headquartered developer of cloud-native digital banking platforms designed for banks and credit unions throughout North America. The company's core offering, Lumin X, powers retail and business banking with features for digital account origination, loan processing, and payment services. Administrative modules handle compliance, core integrations, and customer onboarding, while embedded analytics tools support fraud detection and personalized marketing campaigns. Serving over 100 financial institutions, Lumin Digital facilitates seamless mobile and web experiences that drive deposit growth and user retention. Recent expansions include API-driven partnerships with fintechs for embedded finance capabilities.

Neon is a São Paulo-headquartered Brazilian fintech founded in 2016 offering digital banking services without maintenance fees. The platform provides debit and credit cards, personal loans, payroll advances, CDB investments, cashback rewards, and payment options tailored for individuals and micro-entrepreneurs via MEI Fácil. Serving 15 million customers with 1,600 employees, Neon processes billions in transactions annually.

Toss is a Seoul-headquartered fintech platform operated by Viva Republica since 2015. The app facilitates peer-to-peer transfers, bill splitting, QR code payments, credit scoring via Toss Score, and aggregation of 20 bank accounts. It provides access to loans, insurance, and investments, serving over 20 million users in South Korea.

Kbank is an internet-only bank; it is pursuing a variety of non-face-to-face lending and deposit services and platform businesses. It leverages technologies like AI, cloud computing, and others to provide greater benefits and enjoyment, while streamlining complex procedures to maximize customer convenience. The group provides products such as Deposits, Loans, cards, and Others.

Wealthfront Corp is a technology company that built a financial solutions platform for digital natives. Its platform is designed to address the needs of the wealth builders within these generations.

Wave Mobile Money is a mobile financial services provider enabling savings, transfers, and loans through its app across multiple African countries. Dakar, Senegal-headquartered, it operates a fee-free network accepted at millions of agents, targeting unbanked populations with instant transactions via USSD and smartphone interfaces.

Current is a San Francisco-headquartered fintech company offering a mobile banking app for underbanked Americans. The platform provides fee-free checking accounts, high-yield savings, instant transfers, and credit-building tools integrated with Visa debit cards. Launched in 2019, it supports over 5 million users with features like early direct deposit and family banking sub-accounts. Partnerships with Visa and Green Dot Bank underpin its infrastructure, while investments from Andreessen Horowitz and General Catalyst fuel expansions into teen banking and rewards programs.

Tyme Group is a Johannesburg-based digital banking group operating embedded finance platforms in South Africa, the Philippines, and Southeast Asia. The company delivers mobile-first banking services to consumers and small businesses through partnerships with retail chains like Pick n Pay and Robinsons.

Viva Wallet is an Athens-headquartered digital banking provider operating in 23 European countries as a principal member of Visa and Mastercard for acquiring and issuing. The neobank offers card acceptance via Smart Android terminals, Viva Wallet POS app, and online payment gateways, alongside business accounts featuring local IBANs and Mastercard debit cards. Viva Wallet owns VIVABANK SA as a Greek banking subsidiary and an E-money institution compliant with PSD II across the EEA. Services include multi-currency settlements and integrations for e-commerce platforms, targeting SMEs and enterprises with hardware-free payment solutions.

Boost is a Kuala Lumpur-headquartered fintech company operating Malaysia's leading e-wallet and lifestyle application. Launched in 2017 as a joint venture between Axiata Digital and Razer, it serves 7.5 million users through 170,000 merchant touchpoints for payments, bill settlements, and rewards. Boost processes transactions via QR codes and NFC, integrating with public transport fares and e-commerce platforms across Southeast Asia.

Félix is a Mexico City-headquartered fintech founded in 2022 offering chat-based remittances for Latinos in the United States sending funds to Latin America. The platform employs blockchain stablecoins and AI-driven verification for instant, low-cost transfers via WhatsApp integration. Services cover payouts to Mexico, Colombia, and other countries, streamlining traditional remittance corridors with mobile-first accessibility.

FPL Technologies is a Mumbai-based fintech developing credit card infrastructure for India's digital economy. Founded in 2018, it powers the OneScore app launched in 2021 for credit score management and lifecycle tools. The full-stack platform serves millennials via mobile integrations with 20 banks. FPL processes 1 million transactions monthly post-demonetization growth.

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.

stc pay is a Riyadh-headquartered digital wallet application and subsidiary of stc Group in Saudi Arabia. Aligned with Vision 2030, it enables secure mobile payments, money transfers, and merchant connections using stc's telecom network. The platform covers daily transactions for consumers and businesses, including bill payments and QR code scanning.

Kapital is a Mexico City-headquartered digital bank serving individual clients with core financial products. It maintains online accounts for deposits and payments, investment options in funds and stocks, and credit lines including personal loans. Users handle international transfers and utility bills through its mobile app available in Mexico and select Latin American markets.

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.

PicS NV is a digital payments company. The company operates a peer-to-peer (P2P) transfer platform that enables individuals to send money via mobile devices. It provides digital wallets, instant payments (Pix), P2P transfers, credit cards, loans, investments, insurance, and SMB payment solutions. The company has four reportable segments: Consumer Banking, Small and Medium-Sized Businesses, Audiences and Ecosystem Integration, and Institutional. The majority of the company's revenue is derived from the Consumer Banking segment, which generates revenue from various transaction activities occurring in the digital wallet, such as Pix, peer-to-peer (P2P) transfers, and bill payments.

Inter & Co Inc operates as a digital bank. The company's segment includes Banking & Spending; Investments; Insurance Brokerage; and Inter Shop. It generates maximum revenue from the Banking & Spending segment which comprises a wide range of banking products and services, such as checking accounts, cards, deposits, loans and advances, and other services, which are available to the clients by means of Inter’s mobile application.