The financial technology (fintech) sector has transformed the landscape of financial services. From digital payments to online investing platforms, fintech innovations are disrupting traditional banking and financial systems. Key to this fintech revolution are the software and mobile app development companies and platforms building the digital infrastructure, applications and analytics tools behind the scenes.
In the United States, there is a plethora of outstanding fintech developers powering this digital transformation of finance. Ranging from nascent startups to global powerhouses, these companies deliver cutting-edge capabilities for payments, lending, personal finance, cryptocurrencies, embedded finance, and more.
Here is an in-depth look at 10 leading fintech companies across the United States:
1. 10Pearls
With a strong focus on product engineering and user experience design, 10Pearls creates custom fintech solutions for banking, lending, and digital transactions. Headquartered in San Francisco with additional offices across the US and Pakistan, 10Pearls builds web, mobile, and backend systems tailored to client needs.
As a reliable software and mobile app development company, they provide full-suite services, including mobile app development, NFT development, DevOps, AI/ML development, staff augmentation, etc. They’ve helped companies in different regions navigate successful digital transformation and drive high-quality delivery by providing them with pragmatic resources and solutions.
2. Stripe
One of the most widely used payment processors globally, Stripe provides the core infrastructure for accepting and managing online payments. Founded in 2010, Stripe offers APIs, SDKs, analytics, fraud prevention, invoicing tools, and more for enterprise fintech development. Its products simplify complex problems like global payouts, marketplace transactions, and subscription billing.
Stripe works with companies of all sizes and processes hundreds of billions in transaction volume annually. Its tools and global reach make it essential fintech infrastructure for payments, commerce, and finance. Major Stripe clients include Amazon, Salesforce, Lyft, Postmates, and Zoom.
3. Plaid
Focused on banking integration and data aggregation, Plaid provides fintech developers with secure API access to financial accounts and services. Its tools allow apps to swiftly connect with bank accounts, initiate payments via ACH networks, and retrieve various account data. Plaid supports over 11,000 financial institutions.
Using Plaid’s suite of APIs and SDKs, fintech builders can eliminate pain points around account connections, ACH payments, and data syncing. Plaid clients include Venmo, Acorns, Coinbase, and Robinhood. For any fintech startup looking to integrate bank accounts and data, Plaid is the go-to solution.
4. Marqeta
Marqeta helps companies issue physical and virtual payment cards with greater control, flexibility, and customization. Its modern card issuing platform lets fintech innovators optimize exactly how and where their cards can be used. Marqeta also offers valuable transaction data and insights.
Square, DoorDash, Instacart, and other major fintech companies leverage Marqeta’s payment infrastructure to run their card programs. As more financial services move to the digital realm, Marqeta provides the tools to build the future of card payments.
5. Blend
Blend provides a cloud-based lending platform designed to digitize consumer banking and make the lending experience seamless. Its solutions tap into data, documents, and AI to automate underwriting and decisioning, significantly cutting application times while minimizing risk.
Blend allows lenders to offer omni-channel experiences across branch, call center, online, and mobile channels. The platform streamlines everything from application to underwriting, documentation, decisioning, and servicing. Top lenders like Wells Fargo and U.S. Bank use Blend to modernize their consumer and mortgage lending.
6. Highnote
Highnote builds enterprise fintech solutions for community banks and credit unions, helping modernize their technology stack and digital capabilities. The company focuses on creating seamless omnichannel banking experiences encompassing B2C lending, payments, and data integration.
Built as a cloud-based platform, Highnote equips regional banks and credit unions with leading-edge tools for mobile banking, account opening, lending enablement, and open banking functionality via APIs. Its clients include Unify Financial Credit Union, Virginia Community Bank, and Ponce Bank.
7. Coinbase
As a major cryptocurrency exchange, Coinbase develops industry-leading crypto trading platforms along with blockchain infrastructure and wallet storage. Its powerful APIs and SDKs enable developers to integrate crypto, utility tokens, NFTs, and decentralized finance into their fintech apps.
Coinbase handles over $800B in annual trading volume and 73 million verified users. Beyond its flagship exchange, Coinbase provides robust enterprise-grade solutions for managing crypto transactions, assets, identity, data, and security for institutions.
8. Envestnet | Yodlee
Envestnet | Yodlee focuses on data aggregation and analytics for digital financial services and open banking. Its tools ingest data from thousands of sources and use AI to transform it into intelligent insights, risk analytics, and personalization for fintech apps.
Leading banks, fintech platforms, and innovators rely on Yodlee to power next-gen financial apps with aggregated data, analytics, and capabilities like account verification, identity proofing, and financial health tracking. Their APIs and analytics solutions support over 1,400 financial institutions and fintech developers.
9. Green Dot
Green Dot Corporation is a leading fintech company focused on prepaid debit cards, mobile banking, and cash transfer solutions. It offers a Banking as a Service (BaaS) platform that enables companies to embed financial products into their apps without needing to build backend infrastructure.
Through partnerships with companies like Apple, Uber, Intuit, and Walmart, Green Dot powers many of the most innovative fintech banking and payment solutions on the market, especially for underserved communities. Its platform capabilities make Green Dot a go-to BaaS provider for fintech development.
10. Alkami
Alkami provides digital banking platforms for regional and community financial institutions looking to compete digitally. The company offers multi-tenant cloud platforms with pre-built components so clients can create and deploy digital banking apps and features faster.
Their solutions cover capabilities ranging from account opening to payments, finance tools, security, and data analytics. Alkami works with over 300 banks and credit unions to transform their digital experiences and better attract and retain users.
11. Galileo
Owned by leading fintech infrastructure company SoFi, Galileo provides APIs and payments technology powering many top challenger banks, fintech platforms, and payment apps. Its robust API-based platform handles account setup, identity verification, debit card issuing, and other key functions.
Galileo enables companies to embed financial services within their existing products. Their client roster includes Chime, Revolut, Monzo, Varo, and other leading fintech innovators looking to quickly build bank-like digital experiences.
12. DriveWealth
DriveWealth offers an API-based customizable brokerage platform aimed at fintech developers. It allows companies to embed investing tools directly into their apps and offer fractional shares, retirement accounts, and other investment products.
The DriveWealth platform handles account opening, funding, order routing, execution, custody, and reporting. Top robo-advisor and investing apps like Revolut, MoneyLion, and Stash leverage DriveWealth to provide tailored digital brokerage experiences.
13. MX
As a reputable fintech software and mobile app development company, MX helps fintech institutions and developers aggregate data, connect legacy infrastructure via APIs, build digital products faster, and drive innovation. MX’s data enhancement solutions turn raw transactional data into clean, categorized insights.
They also enable connectivity between core banking systems, account aggregation solutions, payment networks, and other external systems via its API hub. Top banks and fintech builders use MX’s data and API solutions to create modern customer experiences and speed time to market.
14. Q2
Based in Austin, Q2 is a fintech software and mobile app development company creating digital banking and lending solutions tailored for community-focused financial institutions. Its solutions integrate mobile apps, portals, Q2 online banking, data analytics, and open API capabilities to deliver seamless omnichannel digital banking.
Q2 enables regional banks and credit unions to roll out innovative digital products quickly and keep pace with larger competitors. Current clients include over 450 regional and community banks and credit unions across the country.
15. Pitney Bowes
Although better known for postage and shipping products, Pitney Bowes also delivers major fintech and payment solutions. Its offerings include location intelligence APIs for financial services, cross-border ecommerce solutions, risk management, and accounts payable automation.
Billions of payments flow through Pitney Bowes’ platforms annually. Its unique legacy and expertise in global commerce, logistics, and small business finance position it as an influential enterprise fintech provider. Clients include Bank of America, Goldman Sachs, and UPS Capital.
16. Dwolla
Dwolla offers a low-code payments API platform to move funds between accounts and facilitate ACH transfers. Its robust API handles payment processing, risk assessment, bank transfers, escrow services, and more.
Dwolla’s solutions enable seamless payments integration. Developers can easily build bank account connections, verify users, handle transfers, and manage disbursements. Top clients such as LendingClub, GiveDirectly, and Comcast rely on Dwolla’s reliable banking API and payment infrastructure.
17. Alloy
Alloy provides an API-based identity verification, fraud prevention, and compliance platform tailored to fintech and digital finance. Its solutions tap into robust data signals to screen customers and prevent fraud while staying compliant.
Top companies like Earnin, E*TRADE, and Intuit tap Alloy’s platform to onboard users faster and keep transactions secure. Alloy can analyze over 1,500 data variables instantly to verify legitimate users and flag bad actors. With digital finance booming, Alloy fills a critical niche.
18. Hyperwallet
PayPal-owned Hyperwallet offers tech solutions for managing global partner payouts. Its integrated platform handles payment processing, compliance, foreign exchange, disbursement, and reporting across 200+ countries and 130+ currencies.
By optimizing global payment workflows, Hyperwallet empowers companies to efficiently pay partners, freelancers, and marketplace sellers abroad. Its feature-rich solutions enhance speed, transparency, and flexibility of B2B payments and global commerce.
19. Advance Financial
Based in Nashville, Advance Financial provides fintech services for underbanked consumers via online and mobile apps. Its diverse offerings include prepaid debit cards, cash advances, bill pay, money transfers, and personal loans.
With its focus on financial inclusion and personalized customer support, Advance Financial delivers innovative digital banking options to overlooked demographics through its technology. The company has extended over $200 million in loans and serves customers across 12 states and growing.
20. Bluevine
Bluevine furnishes small businesses with fast and simple access to working capital through online loans and lines of credit. Its technology taps into accounting data from various sources to instantly evaluate applicants and deliver funding.
Bluevine offers customized financing options that take the friction out of getting capital. Its platform integrates seamlessly with popular SMB accounting platforms. Backed by heavyweight investors like Lightspeed and Square, Bluevine is a rising fintech provider to watch.
Conclusion
The fintech revolution has fundamentally changed how individuals and businesses manage finances and make payments. Cutting-edge fintech software companies like Stripe, Plaid, Coinbase, and Marqeta provide the digital infrastructure powering this transformation.
From APIs for banking integration and payments to analytics dashboards and automated lending platforms, these fintech developers enable the next generation of digital financial services. Led by US fintech hubs like Silicon Valley and New York, these companies will continue driving innovation in global finance for years to come.
The fintech ecosystem still has tremendous room for growth. As more core financial functions shift online, these top fintech builders will play a pivotal role in shaping the future landscape of digital banking, transactions, and financial platforms.
