top of page

The Top 25 Fintech Companies to Watch in 2022

Author: Jordan French

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

Here are the movers and shakers of fintech that smashed records in 2021 and are continuing to trend higher on the radar of consumers, companies and investors:

1. Paymerang

Paymerang is one of the dominant players in the AP automation space. The company provides next-gen financial automation and payment solutions. Its solutions use a combination of intelligent data capture technologies, artificial intelligence, and an electronic document workflow that is designed to improve organizational efficiency.

2. Earnest

Earnest’s application is geared toward helping current and soon-to-be college students shoulder the burden of pursuing their education. The platform connects students with low-rate student loans so that they can find the ideal financing solution for their educational needs.


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

4. Array

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

5. Clyde

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

6. Robinhood

Robinhood remains the most popular investment application for individual investors. The app is simple to use and commission-free. The company also allows investors to purchase fractional shares, which is especially appealing to individuals who want to purchase high-value stocks but do not have the resources to buy an entire share at once.

7. Digit

Our 7th pick is another fintech solution geared towards improving users’ financial health. Digit will incrementally transfer small amounts of funds into 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

In order 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 using a wide range of mediums, including a mobile app, the company website, or even over the phone.

9. Flywire

Flywire is a payment platform that is designed specifically for the needs of those making high-priority transactions. The company has a global payment network, which allows users to pay for education, healthcare, travel fees, or other vital services in local currencies. A key feature of Flywire is that it offers locked-in exchange rates.


The tenth selection on our list is a solution that was purpose-built for credit unions and banks. MANTL is designed to optimize tedious back-office processes by providing these institutions with an omnichannel account management platform. These entities can use MANTL to manage their brand reputations and provide users with tailored experiences.

11. Spring Labs

Spring Labs facilitates the secure transfer of information between various companies. The fintech firm accomplishes this by leveraging the power of blockchain and leading-edge data ledger tech. Spring Labs increases transparency between businesses and reduces fraud.

12. Chime

Chime is a trailblazer in the mobile banking sector that continues to provide its customers with great perks like no-fee membership and early payday deposits. The company is one of the U.S.’s most rapidly growing banks, despite the fact that it has no brick-and-mortar locations.

13. Coinbase

With over 73 million users, Coinbase is one of the most widely used cryptocurrency purchasing platforms in the world. Coinbase is available in over 30 countries and has facilitated the exchange of tens of billions of dollars in crypto, including Bitcoin and Ethereum.

14. Optiver

Optiver is a trading firm that facilitates the purchasing and selling of bonds, futures, and stocks. In addition, Optiver builds markets by providing liquidity to various stock exchanges throughout the world. The fintech firm is focused on enhancing market transparency and efficiency.

15. Varo Money

Due to the surge in popularity that online banking institutions have experienced, we couldn’t include just one on our list.

While Varo Money and Varo Bank have not quite caught up to Chime, the online financial institution is doing big things in the fintech space. It has a great mobile app, offers plenty of member perks, and provides users with valuable insights into their spending habits.

16. Credit Karma

In 2022, look for Credit Karma to remain a dominant force in the fintech sector. Credit Karma offers its users free access to credit scores and other vital financial health 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 suite of digital products that are designed to increase accessibility to its various services.

18. Affirm

Over the last few years, Affirm has become one of the premier lending platforms in the nation. By using Affirm, consumers can divide the cost of online purchases into small installments. Affirm allows users to select their repayment time frame, with terms ranging from 3 months to 3 years.

19. SoFi

SoFi offers a range of services, including wealth management, loans, 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 credit scores when determining loan worthiness.

20. Circle

Circle is another innovative company that is looking to make its mark in the crypto and blockchain space. The company helps businesses send or accept payments globally. To do so, Circle utilizes a blockchain infrastructure that maintains security while also creating an auditable transactional trail.

21. Lending Club

The Lending Club marketplace allows investors to purchase fractions of loans or notes. Borrowers can use Lending Club to obtain vital funds via peer-to-peer investing. These funds can be used for home renovations, debt consolidation, vehicle repairs, and more.

22. Enfusion

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

23. Wise

Wise is a currency exchange solution that allows users from around the globe to seamlessly send or receive funds internationally. The system can be used by individual users or businesses. Wise’s invoicing tool is especially appealing to businesses that rely on the services of international vendors.

24. Billtrust

The Billtrust platform is designed to streamline payment cycle management for businesses across all industries. Billtrust facilitates the automation of key invoicing-related tasks so that companies can stabilize their cash flow.

25. Venmo

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

Article courtesy of our content partner site Grit Daily

About the Author

Jordan French is the Founder and Executive Editor of Grit Daily. The champion of live journalism, Grit Daily's team hails from ABC, CBS, CNN, Entrepreneur, Fast Company, Forbes, Fox, PopSugar, SF Chronicle, VentureBeat, Verge, Vice, and Vox. An award-winning journalist, he is on the editorial staff at and a Fast 50 and Inc. 500-ranked entrepreneur with one sale. Formerly an engineer and intellectual-property attorney, his third company, BeeHex, rose to fame for its "3D printed pizza for astronauts" and is now a military contractor. A prolific investor, he's invested in 40+ early stage startups through 2021.


bottom of page