Top 10 Fintech Companies in the USA: Where They Stand Now

Note (September 2026): Several facts in the original list were wrong: Visa never completed its purchase of Plaid (the deal was abandoned in 2021), Intuit bought Credit Karma in 2020 rather than 2018, and Stripe was founded in 2009 rather than 2014. Each company entry has been updated, including Capital One’s 2026 purchase of Brex.

The best-known US fintech companies include Stripe (online payments), Plaid (bank-data APIs), Coinbase (crypto exchange), Chime and SoFi (consumer banking and lending), Ripple (cross-border payments) and Opendoor (iBuying). As of September 2026, Brex belongs to Capital One, Credit Karma to Intuit, and Silicon Valley Bank, a failed bank rather than a fintech, is a division of First Citizens.

Key Takeaways

• Still independent: Stripe, Ripple and Plaid are private; Coinbase (COIN), Chime (CHYM), SoFi (SOFI) and Opendoor (OPEN) trade on Nasdaq.
• No longer independent: Capital One completed its $5.15 billion purchase of Brex in April 2026, and Credit Karma has been part of Intuit since December 2020.
• Corrected: Visa never bought Plaid; the $5.3 billion deal was abandoned in January 2021 after a US Justice Department antitrust suit.
• Silicon Valley Bank failed on March 10, 2023 and now runs as a division of First Citizens BancShares.
• Fintech is not a bank: apps such as Chime hold deposits at partner banks, and FDIC insurance covers the failure of an insured bank, not of the fintech company.

Note: this ranking and the figures in it, such as market shares, revenues, market values and product terms, were first compiled in 2023; each company’s status, founders, headquarters and headline figures were re-checked in September 2026, and older figures that could not be re-verified are marked as such. Confirm current details with each company before you decide.

The fintech companies are generating millions and billions of dollars in income worldwide. With this, we may conclude that a wide range of businesses have experienced significant growth. The original version of this article cited a capital influx of over $34.9 billion into fintech in 2019; that figure could not be traced to a primary source in September 2026, so treat it as approximate. Fintech companies have kept expanding alongside traditional financial services, as the company updates below show.

Fintech Companies In USA – List of Top Fintech Companies In USA

It is crucial to understand what fintech truly entails in order to rank among the Top 10 Fintech Companies in the USA.

A business that uses the appropriate technology to automate financial services is referred to as fintech, which stands for finance and technology. You need to grasp blockchain, artificial intelligence, and data science in order to fully get what fintech is all about. Fintech businesses have an influence everywhere they go and add to their revenue with a variety of methods and experts. Here is a list of the top 10 fintech companies in the US.

Stripe

Stripe, a leading online payments and financial infrastructure company, was founded by Irish brothers Patrick and John Collison; Wikipedia dates its founding to 2009, not 2014 as this article previously stated. Stripe has dual headquarters in San Francisco and Dublin. The company’s cutting-edge goods and services assist companies in streamlining operations and enhancing their bottom line. Some of the biggest fintech firms in the world use Stripe’s services and products, and the business has won multiple honors for its accomplishments. According to Stripe, businesses on its platform processed more than $1.4 trillion in payments in 2024.

Stripe was recognized by Forbes magazine as one of the “Top 50 Fintech Companies in the USA” in 2018. Businesses of different sizes, from tiny businesses to huge corporations, employ the company’s products and services. The business enables the simplicity of online payments, so regardless of how big or little your website is, you will have the platform to complete your transaction effortlessly. The business introduced a new credit card option and a small loan option in the year 2019.

Brex

Brex is a corporate card and spend management company started in January 2017 by Henrique Dubugras and Pedro Franceschi to help businesses manage employee spending more effectively. The figure of over 10,000 enterprises in 100 countries cited in 2023 has not been re-verified.

Brex reached a private valuation of $12.3 billion in October 2021, backed by investors including Tiger Global Management, Greenoaks, and DST Global. Capital One announced a deal to buy Brex for $5.15 billion in January 2026 and completed the acquisition in April 2026, so Brex is no longer an independent company.

Scott Shleifer, a partner at Tiger Global, says he is thrilled to join Brex since the company is creating the financial infrastructure for the next generation of enterprises.

Brex was placed 7th on Forbes’ list of the Best Startup Employers in 2022 and named one of Y Combinator’s top businesses.

Silicon Valley Bank

Update: Silicon Valley Bank failed on 10 March 2023, before this list was published, and was taken over by the FDIC; its deposits and loans were sold to First Citizens BancShares, which now runs it as a division. The description below reflects the bank before its collapse. Founded in 1983, Silicon Valley Bank was a leading provider of international commercial banking services to companies like Payoneer, Shopify, and Pivot Energy. Through its cutting-edge banking products and services, the company has fundamentally changed how businesses conduct their transactions, grow, and protect their assets.

The bank’s former parent group also ran an investment arm, SVB Capital, which provided money for promising companies and fund managers; SVB Capital was left out of the Chapter 11 bankruptcy that SVB Financial Group filed on March 17, 2023. SVB Capital worked with renowned venture capital firms including Sequoia and Index Ventures. Before its collapse, the bank had said it would invest $5 billion in sustainable financing and achieve carbon neutrality by 2025; those pledges were made by a bank that no longer operates independently.

Ripple

Founded in 2012, Ripple (Ripple Labs) is a fintech business headquartered in San Francisco, California. The company’s services are concentrated on offering solutions for international financial settlement that allow people to transmit value as easily as they do information. Ripple runs on a decentralized, open-source infrastructure that enables smooth money transfers in any currency, including fiat money, digital currencies, and commodities.

The CEO of the business that created ripple to speed up international payments is Brad Garlinghouse. Ripple’s payment products use the XRP digital asset and the Ripple USD (RLUSD) dollar-backed stablecoin alongside traditional currencies; the figure of about 300 international clients cited in 2023 has not been re-verified. Ripple was valued at $40 billion after a $500 million funding round in November 2025.

Coinbase

Coinbase is a US-founded fintech business that describes itself as a remote-first company with no physical headquarters. Fred Ehrsam and Brian Armstrong created it in 2012. Users of Coinbase can purchase, sell, and store cryptocurrencies like Bitcoin, Ethereum, Litecoin, and others. Coinbase now reports more than 100 million users in over 100 countries, far above the roughly 20 million cited when this article was first written. Coinbase’s professional trading platform, originally called GDAX and later Coinbase Pro, now operates as Coinbase Advanced for active cryptocurrency traders. One of the most valuable Fintech companies in the USA, Coinbase was valued at $8 billion in 2018.

Coinbase reported revenue of about $7.8 billion in 2021, $3.1 billion in 2023, $6.6 billion in 2024 and $7.2 billion in 2025, and it is best known for its cryptocurrency trading services. Coinbase listed on Nasdaq (ticker COIN) on April 14, 2021 and joined the S&P 500 on May 19, 2025. The business protects all customer privacy, and Coinbase offers it with the highest care.

Chime

Chime is a San Francisco-based fintech business, not a bank. Chris Britt and Ryan King founded it in 2012, not 2013 as this article previously stated. Chime is a mobile banking app whose checking and savings accounts are provided by partner banks, The Bancorp Bank, N.A. and Stride Bank, N.A., both Members FDIC. As of September 2026, Chime advertises fee-free banking with no minimum balance, fee-free overdraft of up to $200 for eligible members (SpotMe), and savings rates of up to 3.75% APY for its Chime Prime tier; rates change, so check the current figure. Additionally, Chime offers early direct deposit, enabling its users to get their paychecks up to two days earlier. Chime’s private valuation later rose to $25 billion in a 2021 funding round (the $1.5 billion 2018 figure cited earlier is an outdated early number), and the company listed on Nasdaq under the ticker CHYM on June 12, 2025 at a valuation of about $18.4 billion.

Optional Chime services can carry fees, and the $5.8 billion asset figure cited in 2023 has not been re-verified; Chime reported revenue of about $2.2 billion for 2025. Chris Britt, the company’s CEO, tried to create a place where conducting a financial transaction would be simple.

SoFi

A US-based Fintech business is SoFi. Mike Cagney, Dan Macklin, James Finnigan, and Ian Brady launched it in August 2011 (an earlier version of this article wrongly listed Anthony Marquez as a founder). A financial technology startup called SoFi provides mortgages, personal loans, student loan refinancing, and other financial services. SoFi reported about 15.8 million members as of July 2026, far above the roughly 500,000 members cited in older profiles; the figure of over $25 billion in loans funded is historical and has not been re-verified. SoFi went public on Nasdaq (ticker SOFI) on June 1, 2021 through a SPAC merger, received national bank charter approval from the Office of the Comptroller of the Currency in January 2022, and reported revenue of $3.61 billion for 2025. The $4.8 billion 2018 valuation cited earlier has not been re-verified.

SoFi is one of many American personal finance companies, offering banking, mortgages, personal loans, credit cards, and student loan refinancing (an earlier version of this article wrongly listed investment banking). Users will be able to navigate the services with ease thanks to their mobile app layout.

Plaid

Plaid is an American fintech company based in San Francisco, California. William Hockey and Zach Perret created it in 2013. A financial technology business called Plaid offers developers APIs so they may create software that connects to financial institutions. Plaid also provides end users with financial management tools. Plaid was never acquired by Visa: Visa announced a $5.3 billion deal to buy Plaid on January 13, 2020, but abandoned it in January 2021 after the US Department of Justice sued to block it on antitrust grounds. Plaid remains independent and private, and was valued at about $8 billion in a February 2026 employee share sale.

One of the San Francisco-based fintech startups, Plaid, has made it simple for users by connecting them to bank accounts. The business creates a global data transfer network to provide fintech and digital financial products.

Credit Karma

Located in the USA, Credit Karma is a Fintech business. Kenneth Lin, Ryan Graciano, and Nichole Mustard launched it in 2007. A financial technology business called Credit Karma offers its consumers free credit ratings, reports, and monitoring. Additionally, Credit Karma provides tools to assist consumers in raising their credit scores. Credit Karma was acquired by Intuit for about $7.1 billion in a deal completed in December 2020, not 2018 as this article previously stated, and it has operated as an Intuit brand since then.

Credit Karma, created in 2007, is headquartered in Oakland, California, in the United States. The business is well-recognized for its complimentary credit and money management services.

Opendoor

Located in the USA, Opendoor is a Fintech business. Keith Rabois, Eric Wu, Ian Wong, and JD Ross started it in March 2014. A real estate technology business called Opendoor enables its users to purchase and sell homes online. In addition, Opendoor provides a service that enables customers to purchase a home directly from the seller without using a conventional real estate agent. Opendoor was valued at $3.8 billion after a $300 million funding round in March 2019 (the $2.8 billion 2018 figure cited earlier has not been re-verified) and went public on Nasdaq (ticker OPEN) through a SPAC merger on December 21, 2020.

San Francisco-based One fintech company that focuses on real estate services is Opendoor. Property owners can request an instant cash offer through this company, which was created in 2014; Opendoor buys homes as-is, makes repairs and re-lists them for sale, charging a fee comparable to an agent’s commission. It facilitates users’ ability to sell a property.

On what they actually enable, four benefits of online payment methods thanks to fintech covers it.

Top US Fintech Companies at a Glance

The table below summarizes the ten companies on this list as of September 2026, using company pages and Wikipedia. It follows the order of the original article and is not a ranking by revenue or valuation.

What Is a Fintech Company?

A fintech company is a business that applies new technology to financial products and services. Wikipedia defines financial technology as “the application of new technologies to products and services in the financial industry.”

Fintech covers several distinct categories, and the companies on this list fall into different ones:

• Payments: Stripe and Ripple move money for businesses and between countries.
• Banking and personal finance: Chime, SoFi and Credit Karma serve consumers directly. Readers new to the topic can start with this guide to what a credit score is.
• Lending and credit: SoFi and Brex provide loans and corporate cards.
• Infrastructure: Plaid lets apps connect to bank accounts through APIs.
• Cryptocurrency: Coinbase runs an exchange; see this primer on cryptocurrency market basics.
• Proptech: Opendoor applies technology to buying and selling homes.

Silicon Valley Bank was a traditional commercial bank that served many technology start-ups, not a fintech company. It stays on this list because it appeared in the original article, with its 2023 failure noted. For the difference between bank types, see this explainer on the different types of banks.

What Has Changed Since This List Was First Published?

Several companies on this list changed ownership, listed their shares or settled regulatory cases after June 2023:

• Silicon Valley Bank: California regulators closed the bank on March 10, 2023 and appointed the FDIC as receiver; First Citizens Bank & Trust assumed its deposits and acquired its loans on March 27, 2023.
• Brex: Capital One announced a $5.15 billion deal, paid in equal parts cash and stock, in January 2026 and completed it in April 2026.
• Chime: listed on Nasdaq on June 12, 2025, raising $864 million at a valuation of about $18.4 billion.
• Coinbase: the SEC dismissed its lawsuit against Coinbase in February 2025; Coinbase joined the S&P 500 in May 2025 and announced the purchase of the Dubai-based derivatives exchange Deribit that month for $700 million in cash plus $2.2 billion in Coinbase stock.
• Ripple: a final judgment in the SEC case in August 2024 imposed a civil penalty of $125,035,150, and both sides dismissed their appeals in August 2025. In 2025 Ripple bought the prime broker Hidden Road for $1.25 billion and the treasury management firm GTreasury for $1 billion.
• Stripe: acquired the stablecoin platform Bridge for $1.1 billion in February 2025. Businesses on Stripe processed $1.9 trillion in 2025, according to Wikipedia.
• Opendoor: appointed Kaz Nejatian as chief executive in September 2025. Opendoor reported revenue of $15.6 billion in 2022 and $5.15 billion in 2024.
• Plaid: said in April 2025 that it would not go public that year, and it remained private as of September 2026.

Regulatory Actions Involving These Companies

Regulatory history is part of judging any financial company. The following actions are on the public record:

• Credit Karma: in September 2022 the US Federal Trade Commission ordered Credit Karma to pay $3 million to users over claims that people were “pre-approved” for credit card offers when many were later denied.
• Opendoor: agreed to a $62 million settlement with the FTC on August 1, 2022 over charges of misleading marketing practices.
• Ripple: the SEC case, filed in December 2020, ended with the court finding that Ripple’s institutional XRP sales broke securities law, while programmatic exchange sales did not.
• Coinbase: the SEC lawsuit filed in June 2023 was dismissed in February 2025.

How Can You Check a Fintech App Before Using It?

A fintech app is only as safe as the bank and legal structure behind it. These checks use public tools and apply to any US fintech, not only the ten listed here:

1. Find the partner bank. Fintech apps that are not banks name their partner bank in the app or website footer. Chime, for example, states that its banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
2. Confirm the bank is FDIC-insured. The FDIC’s BankFind Suite lets anyone look up whether a bank is insured. Standard coverage is $250,000 per depositor, per insured bank, for each account ownership category.
3. Know what FDIC insurance does not cover. According to the FDIC, deposit insurance covers deposits only and only if the bank is FDIC-insured; it does not protect against the failure of a nonbank company, and it does not cover cryptocurrency, stocks, bonds or mutual funds.
4. Learn from the Synapse collapse. Synapse Financial Technologies, a banking-as-a-service middleman used by about 100 fintech apps, filed for Chapter 11 bankruptcy in April 2024. Tens of thousands of customers had deposits frozen, and the court-appointed trustee, former FDIC chair Jelena McWilliams, reported a gap of $65 million to $96 million between Synapse’s records and the partner banks’ records.
5. Read the fee schedule. “No monthly fees” rarely means no fees at all; optional services can carry charges, as Chime’s own disclosures note.

For businesses choosing a payments provider such as Stripe, this guide explains how a payment gateway affects business growth. For consumers comparing app-based savings, see digital innovations in savings accounts. This page is general information, not financial advice.

Frequently Asked Questions

What is the most valuable fintech company in the USA?

Stripe is among the most valuable US fintech companies. Stripe was valued at $159 billion in a February 2026 tender offer and remains private, with dual headquarters in San Francisco and Dublin.

Is Chime a bank?

No. Chime is a financial technology company, not a bank. Its banking services are provided by The Bancorp Bank, N.A. and Stride Bank, N.A., both Members FDIC, and eligible deposits are insured up to $250,000 through those partner banks.

Did Visa buy Plaid?

No. Visa announced a $5.3 billion deal to acquire Plaid in January 2020, but the deal was abandoned in January 2021 after the US Department of Justice sued to block it. Plaid remains an independent, private company based in San Francisco.

Does Silicon Valley Bank still exist?

Silicon Valley Bank failed on March 10, 2023. First Citizens Bank & Trust took over its deposits and loans on March 27, 2023, and Silicon Valley Bank now operates as a division of First Citizens BancShares.

Who owns Credit Karma and Brex now?

Intuit owns Credit Karma, having completed a roughly $7.1 billion acquisition in December 2020. Capital One owns Brex, having completed a $5.15 billion acquisition in April 2026.

Is money in a fintech app FDIC-insured?

Money in a fintech app is FDIC-insured only when it is held as a deposit at an FDIC-insured partner bank. The FDIC states that its insurance does not protect against the failure of a nonbank company, and it does not cover cryptocurrency, including crypto held on an exchange such as Coinbase.

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