The top 25 fintech companies to watch in 2022


Throughout 2021, the fintech industry continued to experience meteoric growth as consumers and individuals digitized and automated more aspects of their financial lives. As demand for tools like digital banking, financial automation, and emerging markets like DeFi continues to grow, new and established players in this space are likely to be some of the most interesting companies to watch in 2022.

Here are the fintech creators who broke records in 2021 and continue to trend up on the radars of consumers, businesses and investors:

1. Paymerang

Paymerang is one of the dominant players in the field of AP automation. The company offers next-generation financial automation and payment solutions.

Its solutions use a combination of smart data capture technologies, artificial intelligence and an electronic document workflow designed to improve organizational efficiency.

2. Serious

Request from Ernst is dedicated to helping current and prospective college students shoulder the burden of their education. The platform connects students with cheap student loans so they can find the ideal financing solution for their educational needs.


A relatively new entry into the crypto wallet space, Dizzy aims to give users more control over their cryptocurrency assets with one-tap staking. Giddy’s non-custodial wallet returns power to investors while allowing them to earn interest on current crypto assets.


array is committed to helping consumers better understand how their daily transactional habits affect their overall financial health. As a B2B company, Array markets its solutions directly to companies that want to give their users more personalized feedback on their credit usage.


clyde offers companies access to a dynamic insurance platform. The company connects businesses to a network of insurance carriers. They can use this platform to offer their customers extended warranty insurance coverage that offers protection against events such as normal wear and tear, defects or theft.

6. Robinhood

Robin Hood remains the most popular investment application for retail investors. The app is easy to use and commission-free.

The company also allows investors to buy fractional shares, which is especially appealing to people who want to buy high-quality stocks but don’t have the resources to buy an entire stock at once.

7th digit

Our 7thth pick is another fintech solution that aims to improve users’ financial health. digit incrementally transfers small amounts of money to a designated savings account based on individual user specifications. Digit analyzes a user’s spending habits and deposit history to determine when and how much money to transfer.

8. Western Union

To maintain its dominance in the money transfer market, Western Union has made significant investments in the fintech space. It allows customers to initiate transactions through a variety of mediums, including a mobile app, the company’s website, or even over the phone.

9. Fly Wire

fly wire is a payment platform specially designed to meet the needs of high-priority transactions. The company has a global payment network that allows users to pay for education, health care, travel expenses or other essential services in local currencies. A key feature of Flywire is that it offers fixed exchange rates.


The tenth pick on our list is a solution designed specifically for credit unions and banks. COAT was designed to streamline tedious back-office processes by providing these institutions with an omnichannel account management platform. These companies can use MANTL to manage their brand reputation and provide users with customized experiences.

11. Spring Laboratories

spring labs facilitates the secure transfer of information between different companies. The fintech company achieves this by harnessing the power of blockchain and cutting-edge data ledger technology. Spring Labs increases transparency between companies and reduces fraud.

12. Carillon

chime is a pioneer in the mobile banking sector that continues to offer its customers great benefits like fee-free membership and early payday deposits. The company is one of the fastest growing banks in the US, although it has no brick-and-mortar locations.

13. Coin Base

With over 73 million users coin base is one of the world’s most used platforms for buying cryptocurrencies. Available in over 30 countries, Coinbase has facilitated the exchange of tens of billions of dollars in crypto, including Bitcoin and Ethereum.

14. Optiver

Optimum is a trading company that facilitates the buying and selling of bonds, futures and stocks. In addition, Optiver builds markets by providing liquidity to various exchanges around the world. The fintech company focuses on improving market transparency and efficiency.

15. Varo Money

Due to the rising popularity that online banking institutions have experienced, we couldn’t add just one to our list.

While Varo money and Varo Bank haven’t quite caught up with Chime yet, the online financial institution is doing big things in the fintech space. It has a great mobile app, offers many member benefits, and provides users with valuable insights into their spending habits.

16. Credit Karma

Look for in 2022 credit karma to remain a dominant force in the fintech sector. Credit Karma offers its users free access to credit scores and other important financial reports. The company uses this data to connect customers with auto insurance recommendations, loans, and more.

17. JPMorgan Chase

As one of the largest financial institutions in the world JPMorgan Chase is also a major player in the fintech industry. The organization offers a range of digital products designed to improve access to its various services.

18. Confirm

in the last few years, To confirm has grown into one of the nation’s leading lending platforms. By using Affirm, consumers can split the cost of online purchases into small installments. Affirm allows users to choose their repayment period with terms ranging from 3 months to 3 years.

19. SoFi

SoFi offers a range of services including wealth management, lending and refinancing options. The company uses advanced algorithms to predict the likelihood that a consumer will repay their loan. This approach allows them to rely less on creditworthiness when determining creditworthiness.

20th circle

circle is another innovative company looking to make a name for itself in the crypto and blockchain space. The company helps businesses send or accept payments worldwide. To do this, Circle uses a blockchain infrastructure that maintains security while creating an auditable transaction trail.

21. Loan Club

the loan club Marketplace allows investors to buy fractional amounts of loans or debentures. Borrowers can use the Lending Club to access critical funds through peer-to-peer investing. These funds can be used for home renovations, debt consolidation, vehicle repairs, and more.

22. Infusion

Managing investments using traditional management practices can be tedious and time-consuming. enfusion seeks to change all of this by providing users with an integrated asset management solution. Their platform also assists users with risk management, accounting, and compliance.

23. Wise

way is a currency exchange solution that enables users around the world to seamlessly send or receive money internationally. The system can be used by individual users or companies. Wise’s invoicing tool is particularly attractive for companies that rely on the services of international providers.

24. Bill Trust

the bill trust The platform is designed to streamline payment cycle management for businesses across all industries. Billtrust makes it easy to automate key billing-related tasks so businesses can stabilize their cash flow.

25. Venmo

Rounding out our list of the top 25 fintech companies to watch in 2022 Venmo. Venmo’s application allows individuals to easily exchange money without having to pass cash around. The app can be used to share bills with friends, pay for services, and more.


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