Payments Investors

Emphasis Ventures (EMVC) is a leading global fintech-focused venture fund that partners with exceptional founders shaping the global fintech landscape. With offices in New York and Bengaluru, EMVC is dedicated to inspiring, propelling, and building innovative financial technologies. The firm has a diverse portfolio of companies, including Slice, M2P, Khatabook, Jar, Flash, and Monnai, reflecting its commitment to supporting transformative fintech solutions. EMVC's team comprises investors, entrepreneurs, and business leaders with experience in India, the U.S., and internationally across various sectors such as payments, insurance, banking, asset management, consumer and cloud technology, credit, distributed ledger technology, blockchain, and cross-border strategy. The firm is passionate about fintech and the billions of lives that benefit from local innovation and global collaboration.

Visa Inc. is a global leader in digital payments, facilitating electronic funds transfers worldwide through Visa-branded credit, debit, and prepaid cards. Founded in 1958 as BankAmericard by Bank of America, Visa has grown to become the world's second-largest card payment organization, processing over 100 billion transactions annually with a total volume of US$6.8 trillion. The company operates in more than 200 countries and territories, connecting consumers, merchants, financial institutions, businesses, and governments through its secure and innovative payment network. Visa's mission is to uplift everyone, everywhere by being the best way to pay and be paid, driving economic growth and financial inclusion globally.

The Abraaj Group is a private equity, venture capital, and real estate investment firm specializing in early venture, seed, growth capital, emerging growth, mid venture, late venture, expansion capital, industry consolidation, mezzanine, subdebt, PIPES, buyouts, bridge, recapitalization, infrastructure, and buy and build in mature companies. It seeks to invest in small and medium sized enterprises in emerging markets. The firm typically invests in oil, gas and consumable fuels, metals and mining, agricultural machinery and equipment, agricultural services, auto parts and equipment, leisure facilities, pharmaceuticals, services outsourcing, water utilities, real estate, health care and clean energy, manufacturing, food products, FMCG, construction, healthcare services, industrials, telecommunications, resource and infrastructure services, education, information technologies, aviation, materials and logistics, agribusiness, energy, and food industries. It focuses on consumer goods and services, within which it also focuses on fast moving consumer goods manufacturing, retail, and food & beverage. Within financial services it also focuses on banking, non-bank financial institutions (such as mortgage or consumer finance specialists), insurance companies (life, general and reinsurance), and payments and fintech businesses. Within healthcare it focuses on hospitals & clinics and other type of service providers in the healthcare domain. Within education, it focuses on private K-12 schools and traditional graduate and post-graduate, campus-based universities. We are also investing in clean energy power generation, i.e., renewable power generation assets. We will also selectively invest in base-load gas-fired power generation assets and select midstream and downstream energy infrastructure assets including transmission and distribution assets that complete the value chain. It invests in companies based in Far East, the Middle East including Saudi Arabia, North Africa, Kenya, Ghana, Nigeria, and South Asia with a focus on Egypt, Lebanon, Jordan, Algeria, Pakistan, Turkey, the Palestinian territories and the six Gulf Arab nations that make up the Gulf Cooperation Council. The firm also seeks to invest globally with a focus on Sub Saharan Africa including Ivory Coast region; Latin America including Argentina, Brazil; Central Asia; and Southeast Asia including India and the Philippines. The firm seeks to make equity investments between $0.5 million and $100 million; typically investing $10 million to $100 million in private equity investments as well as in real estate. It prefers to invest between $100 million and $300 million in its portfolio companies. It prefers to invest in companies with revenue between $6 million to $35 million. The firm acquires controlling or significant interest and seeks board representation in its portfolio companies. It typically exits its investments within a period of three years to five years through structured exits to strategic and trade buyers or onto public markets in the region. The firm seeks majority and minority positions in public enterprises ranging between 10% and 49%. The Abraaj Group was founded in 2002 and is headquartered in Dubai, United Arab Emirates with additional offices across Asia, Africa, and Europe.

Affirm Holdings, Inc. is an American financial technology company founded in 2012 by Max Levchin, Nathan Gettings, Jeffrey Kaditz, and Alex Rampell. Headquartered in San Francisco, California, Affirm specializes in providing "buy now, pay later" (BNPL) services, enabling consumers to make purchases and pay over time through installment loans. As of 2024, Affirm reports 21 million users and processes $28 billion in payments annually. The company offers various financial products, including unsecured installment loans, a savings account, and a debit card. Affirm's services are available in the United States, Canada, and the United Kingdom. Notable partnerships include collaborations with major retailers such as Walmart and Amazon, as well as integrations with digital wallets like Apple Pay. Affirm is publicly traded on the NASDAQ under the ticker symbol AFRM.

Ripple is a leading provider of digital asset infrastructure for financial services, offering solutions for real-time cross-border payments, digital asset custody, and stablecoin issuance. Their platform leverages blockchain technology to modernize financial infrastructure, enabling secure and efficient transactions across the globe. Ripple's services are designed to meet regulatory compliance requirements, facilitating seamless integration for financial institutions and businesses.

Deciens Capital supports those who are building the next generation of enduring companies in financial services. We exclusively focus on financial technology investments with interests in payments, lending, insurance, regtech, risk management, capital markets, trade finance, personal finance, savings, marketplaces, and much more. We seek visionary founders at the earliest stage of their company's life. We support our founders with advice, expertise, relationships, and, yes, capital.

DocuSign, founded in 2003 by Thomas H. Gonser and Court Lorenzini, is a leading provider of cloud-based electronic signature solutions. Headquartered in San Francisco, California, the company has grown to serve over 1 million customers and hundreds of millions of users across more than 180 countries. DocuSign's platform enables organizations to securely collect information, automate data workflows, and manage agreements, effectively eliminating manual, paper-based processes. The company offers a suite of products, including eSignature, Payments, Identify, Document Generation, Web Forms, Electronic Notarization, Multi-channel Delivery, and APIs, all designed to streamline agreement processes and enhance business efficiency. In addition to its core offerings, DocuSign has expanded into intelligent agreement management, leveraging AI to provide advanced management and insights into business contracts. This strategic move aims to address the complexities of contract management and improve operational efficiency for businesses. DocuSign's commitment to innovation and customer-centric solutions has solidified its position as a leader in the electronic signature and agreement management industry.

FinSight is a global VC firm focused on FinTech and enterprise IT. This focus includes companies addressing solutions in the banking, finance, insurance and payments sectors along with enterprise software companies driving digital transformation in and around these segments. FinSight works with innovative and ambitious FinTech and enterprise software start-ups that are driving or capitalizing on changes in these sectors.

Hard Yaka is a venture capital firm founded in 2010 and based in Crystal Bay, Nevada. The firm focuses on investing in technologies and companies that promote individual autonomy and inclusion, with a particular emphasis on portable identity, payments, and marketplaces. Hard Yaka seeks to build and invest in technologies and companies that are powered by protocols—open, permissionless, decentralized, transparent, interoperable, and inclusive systems that govern data transmission and processing. The firm has a deep interest in individual autonomy and inclusion, aligning with its investment philosophy. Over the years, Hard Yaka has made numerous investments in early-stage startups, primarily targeting companies involved in the exchange space, including those in the financial software, business/productivity software, and entertainment software industries. The firm has a history of participating in various funding rounds, including seed, Series A, and later-stage venture investments. Notable portfolio companies include Uphold, AnChain.ai, Enter, Indicio.tech, Roomi, Trim, Castle, and SMBX. Hard Yaka's team comprises professionals such as Greg Kidd, who is associated with the firm. The firm's office is located at P.O.

SixThirty is a venture capital firm specializing in early-stage investments in financial technology (fintech) and insurance technology (insurtech) startups. Founded in 2012 and based in St. Louis, Missouri, SixThirty has established itself as a prominent player in the fintech and insurtech sectors. The firm operates a unique accelerator program that combines seed funding with mentorship, providing startups with the resources and guidance needed to scale their businesses effectively. SixThirty's investment philosophy centers on identifying innovative solutions that address real-world problems in the financial and insurance industries. By partnering with entrepreneurs who share this vision, SixThirty aims to drive meaningful change and foster growth within these sectors. Over the years, the firm has achieved notable success, with several portfolio companies securing significant follow-on funding and achieving successful exits. This track record underscores SixThirty's ability to identify and nurture high-potential startups. The firm's areas of focus include payments, lending, insurance, and wealth management, reflecting its commitment to supporting a diverse range of fintech and insurtech innovations. Key differentiators of SixThirty include its hands-on accelerator program, a strong network of industry experts, and a deep understanding of the challenges and opportunities within the financial services landscape. These elements enable the firm to provide tailored support that accelerates the growth of its portfolio companies. Geographically, SixThirty primarily focuses on the United States, leveraging its St. Louis base to connect startups with a broad network of investors, mentors, and potential customers. The firm's LinkedIn presence further enhances its visibility and engagement within the startup ecosystem.

BBQ Capital is a venture capital firm based in San Francisco, California, dedicated to supporting ambitious entrepreneurs from the earliest stages of their startups. Founded in 2018, the firm began as a series of casual gatherings connecting founders and investors, which evolved into monthly events fostering deeper relationships and collaboration. This community-driven approach laid the foundation for BBQ Capital's investment philosophy, emphasizing hands-on support and strategic guidance alongside financial backing. The firm focuses on investing in companies from formation to pre-IPO stages, including pre-revenue and pre-product ventures, as well as providing follow-on capital for Seed and Series A rounds. BBQ Capital also manages BBQ Opportunities, which invests larger checks in mature companies from Series B onwards and those that don't fit the traditional venture capital fund model. The firm's portfolio spans various industries, including software, financial services, fintech, information technology, B2B, mobile, payments, artificial intelligence, healthcare, and SaaS. Notable investments include Quinn, Andromeda Surgical, Coco, Andi, and Regression Games. BBQ Capital's team comprises experienced professionals committed to empowering founders with the resources and expertise needed to scale their businesses effectively.

“Double Peak Group stands as a pioneering Asian family office, deeply embedded in the digital asset space since 2017. Our diverse team of experts, with backgrounds spanning investment banking, private equity, and entrepreneurship, brings a unique fusion of financial expertise and business acumen. This potent blend allows us to navigate the rapidly evolving domain of digital assets with agility and precision. Our investments cast a wide net across various facets of the digital asset ecosystem, reflecting our comprehensive and dynamic approach. From Asset Management, Banking & Payments, and Cross-Chain Bridges, to DeFi Primitives, Infrastructure Protocols, Investment Funds, Gaming/Metaverse, NFTs, Privacy/Security, and Web+ Social Protocols – our footprint is extensive and growing. At Double Peak, we’re more than just investors. We are partners to the visionaries leading these innovations, committed to supporting them in their quest to reshape the future.”

JSC Smartex is a venture capital firm specializing in growth capital, incubation, seed, start up, early stage, mid venture, late venture, and emerging growth investments. It seeks to invest in digital wallets and payments; Online financial services; local deals, social gifting, and electronic commerce; voice over internet protocol communications; fintech and digital and user generated content sectors. The firm prefers to invest in Georgia and elsewhere. It typically makes seed investments between $0.0015 million and $0.05 million, early stage investments between $0.05 million and $0.10 million, and growth capital investments between $0.10 million and $0.30 million. It prefers to acquire a majority stake in seed and early stage companies and can co-invest with angel investors in growth stage companies. The firm seeks a seat on the board of directors of its portfolio companies. JSC Smartex was founded in 2011 and is based in Tbilisi, Georgia.

Kaspi.kz is the largest consumer-focused Ecosystem in Kazakhstan with a leading market position in each of its key products and services. Kaspi.kz provides technologically advanced, seamless and innovative ways for consumers to shop, pay for and finance their purchases, as well as manage their personal finances through a growing range of interconnected products and services. This is fast-growing, transaction-driven, profitable and dividend-paying business.Kaspi.kz is guided by its mission to improve people’s lives through developing innovative products and services. The company is built around four core revenue generating platforms, which form its Ecosystem and includes Marketplace, Payments, e-Finance and Consumer Financial Services platforms.

Fintech Next operates at the intersection of finance and technology, running an accelerator program and investing in fintech, AI, and digital payments.

Lazada Group is Southeast Asia’s leading eCommerce platform. With a presence in six countries – Indonesia, Malaysia, the Philippines, Singapore, Thailand and Vietnam – we connect this vast and diverse region through our technology, logistics and payments capabilities. Today, we have the largest selection of brands and sellers, and by 2030, we aim to serve 300 million customers. In 2016, Lazada became the regional flagship of the Alibaba Group, and is backed by Alibaba’s best-in-class technology infrastructure.

Raptor Holdco GP LLC is a venture capital and private equity firm specializing in seed, startups, early stage, later stage, growth stage companies, series A deals, and from both private and public equity investments. The firm seeks to invest in market disrupting technology, music, advertising, branding, e-commerce, digital media, broadcasting, content creation, entertainment, social gaming, travel, hospitality, technology, media companies, sports, financial services, eSports, consumer, healthcare, life science. Firm prefer to invest in fintech with focus on digital banking, embedded finance, insurtech, payments, alternative assets, insurance, and wealth management as well as commitments to emerging managers and quantitative asset managers. The firm primarily invests initially between $0.25 million and $3 million. It focuses on investing in the East Coast, United States. The firm invests in follow on rounds. For larger opportunities, it may co-invest alongside other strategic partners. It generally takes board seats and prefers to invest as a lead investor. The firm has an investment trend of investing in location-based services. Raptor Holdco GP LLC was founded in 2009 and is based in Boston, Massachusetts with additional offices in New York, New York and Miami Beach, Florida. Raptor Holdco GP LLC operates as a subsidiary of Raptor Capital Management LP.

Citi's mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress. Our core activities are safeguarding assets, lending money, making payments and accessing the capital markets on behalf of our clients. We have 200 years of experience helping our clients meet the world's toughest challenges and embrace its greatest opportunities. We are Citi, the global bank – an institution connecting millions of people across hundreds of countries and cities. For information on Citi’s commitment to privacy, visit on.citi/privacy.

Nyca Partners is a venture capital firm founded in 2014, specializing in financial technology investments. With over $870 million in assets under management, the firm has invested in more than 100 portfolio companies across various fintech sectors, including payments, alternative credit, digital advice, and financial infrastructure. Nyca Partners operates with a collaborative network of over 90 Limited Partner Advisors and 40 institutional investors, leveraging their expertise to support entrepreneurs in transforming financial services.

VEF AB (publ) is a venture capital firm specializing in early venture, emerging growth and growth capital investments. The firm primarily invests in modern financial services and fintech sector. The financial services sector includes payments providers, Credit, mobile money and all forms of financial marketplaces. It seeks to invest in Asia/Pacific, Africa/Middle East, European Emerging Market, Mexico, Brazil and Colombia. It typically invests in the emerging and frontier markets. It prefers to take a minority stakes and board representation. VEF AB (publ) was founded in 2015 and is based in Stockholm, Sweden with additional office in Hamilton, Bermuda; London, United Kingdom and Dublin, Ireland.

Amaana Capital is a venture capital arm of NRD Capital Management, LLC specializing in post-seed, series B rounds of startups and growth capital investments. The firm prefers to invest in financial inclusion and digitization of payments, seamless access to healthcare services, improving mobility and transportation infrastructure, digitization of consumer experiences, enhancing food security, increasing access to quality education and climate and agritech sectors. It prefers to invest companies based in Middle East, North Africa, and South Asia region. Amaana Capital was founded in 2021 and is based in Atlanta, Georgia.

We invest in high performance healthcare companies at the convergence of technology and biology. We focus on 4 key themes: connectivity, platform innovation, payments and deep technology. This includes: distributed care, virtual care, wearables, patient empowerment, artificial intelligence, mental health and holistic care solutions, chronic disease management, data analysis, alternative drug pricing, value-based care, care efficiency, preventative medicine, synthetic biology, nanotechnology, personalized medicine, gene editing, and more

CEMEX Ventures is a venture capital arm of CEMEX, S.A.B. de C.V., specializing in investing in pre-seed, seed, early-stage, startups, growth capital, commercialization, expansion, and accelerator services. The firm primarily invests in construction and engineering, cleantech, urban development, new construction trends and technologies, technology partnerships, improving connectivity within the construction ecosystem, and reinforcing project finance resources. The firm typically invests in the construction industry with a focus on green construction including carbon capture, utilization and storage, carbon tools and calculators, circular construction and waste management, new raw material streams and composites, sustainable materials, machinery electrification, alternative fuels and new energy resources, sustainable products libraries and life cycle assessments, water efficiency, environment conservation, decarbonization and carbon sequenstration, sustainable materials and circular economy; enhanced productivity including geotechnical analysis, project tendering, project design and budgeting, planning and schedule optimization, BIM and digital twins, project monitoring and control, document management, health and safety tools, insurance and risk management, payments and finance tools, project quality, asset maintenance, and construction project life cycle; construction supply chain including procurement platforms and inventory controls, marketplaces, materials and orders tracking, fleet management, delivery and last-mile platforms, inventory management and onsite handling and workforce management, and logistics optimization; and future of construction including industry 4.0, 3D printing and additive manufacturing, industrialized and automatized construction, pre-fabrication and robotics, connected and autonomous plants and equipment, optimization of materials manufacturing, and smart buildings and cities. It prefers to invest in companies with a solution tested in the market through paid or not paid pilots. The firm prefers to invest globally. The firm prefers to invest in companies where it has operation but is not 100% limited to that. The firm also provides with an open and collaborative platform to startups, entrepreneurs, universities and other stakeholders in the construction industry. It prefers to invest from its balance sheet capital. CEMEX Ventures was founded in 2017 and is based in Madrid, Spain, with additional offices in Monterrey, Mexico; and Bogota, Colombia.

Inveo Ventures is a venture capital firm specializing in startups, pre-seed, seed, bridge round, pre-series A investments. It invests in tech companies, fintech, digital banking and payments, alternative lending, infrastructure, RegTech, B2B SaaS, enterprise and SMB cloud apps, CRM, ERP, CES, HR tech, marketing automation, energy, battery tech/mobility, cleantech/sustainability, smart grids, energy management systems, cloud and security, infrastructure management, DevOps and CI/CD, cybersecurity, developer tools, big data, data storage and management, integration and ETL, data analytics, prediction, AI, and ML. The firm prefers to invest in Turkey. Inveo Ventures was founded in 2022 and is headquartered in Istanbul, Turkey.

Relay Ventures is a venture capital firm specializing in startup, pre-seed and seed, early stage, mid venture, late venture, and growth capital investments. The Firm seeks to invest in the mobile computing industry with a focus on applications and services including mobile commerce such as payments, advertising, retailing, and consumer banking; vertical and horizontal enterprise applications; communications; social networking; location-based and location-aware applications and services such as navigation and mapping; media and entertainment; commercial services and supplies; wireless application service providers; wireless devices software; wireless networking equipment; and lifestyle and personal productivity applications for the BlackBerry and other mobile platforms. The firm also focuses on investments in mobile-related software and services and mobile eco-system sectors, mobile technology with a focus on software for mobile devices and the connected Internet, urbantech, proptech, fintech, sportstech and sports tech related sectors. The firm prefers to invest in North America, United States, Canada, Israel, and United Kingdom. Relay Ventures was founded in 2008 and is based in Toronto, Canada, with additional offices in Calgary, Canada and San Francisco, California.