Top 10 Fintech Companies In New York City: Changing the Future of Digital Finance

New York City has become a global hub for financial technology, or fintech, with startups and established firms driving industry-wide changes.

The shift from traditional financial services to technology-driven platforms is revolutionizing everything from digital payments to blockchain-based finance.

In 2024, more than 3.6 billion users worldwide are expected to utilize digital payments, showcasing the rapid adoption of these technologies.

NYC’s fintech landscape plays a pivotal role in meeting these demands, fostering an ecosystem where financial connectivity, innovation, and efficiency thrive.

Yet, with 82% of financial institutions globally planning to increase fintech partnerships, businesses face challenges selecting the right partner.

Many need solutions to improve operational efficiency, enhance security, and leverage AI-powered fraud detection systems—all while navigating economic pressures.

This blog will walk you through NYC’s best fintech firms, focusing on how they address key industry pain points such as compliance, scalability, and integration. We’ll be specifically focusing on NYC-based fintech firms and not fintech firms across the US.

Whether you’re looking for a solution to streamline your business payments or a blockchain-based platform to manage assets securely, these companies offer the answers you need.

Why Work With A Fintech Company In NYC?

NYC’s fintech companies are at the forefront of technological advancements, providing solutions tailored to diverse financial needs. Here’s why partnering with a New York-based fintech firm can give you a competitive edge:

• Proximity to Financial Institutions: NYC’s close ties with major banks and investment firms facilitate seamless partnerships.
• Advanced Security and Compliance: Leading companies offer blockchain-based solutions and real-time fraud detection to mitigate risks.
• Access to Scalable Platforms: Fintechs in NYC specialize in platforms with API-first architectures, enabling easy integration with existing systems.
• AI-Driven Insights for Growth: Companies leverage machine learning algorithms to optimize financial operations and enhance decision-making.
• Diverse Payment Solutions: From peer-to-peer payments to embedded finance systems, NYC firms offer a wide array of flexible tools.

What Makes A Great Fintech Company In NYC?

Great fintech companies distinguish themselves through innovation, security, and scalability. Here are some key traits to look for:

• Technological Innovation: Companies that leverage distributed ledgers or smart contracts stand out by redefining how financial services are delivered.
• Compliance-Driven Operations: Ensuring alignment with PCI DSS and SOC II compliance standards is essential for building trust.
• Scalability with API-First Architecture: A robust API strategy allows seamless integrations and fast market entry.
• AI-Enhanced Fraud Detection: Top fintechs use AI-powered algorithms to mitigate risks and detect fraud in real time.
• Customer-Centric Platforms: Firms prioritize intuitive user interfaces and wallet integrations for ease of use.
• End-to-End Service Capabilities: From digital asset management to peer-to-peer lending, leading fintechs offer complete solutions.

Popular Services For Fintech Companies In NYC

NYC’s fintech firms offer a wide range of services that empower businesses and consumers alike. From digital payments and blockchain platforms to AI-powered fraud detection and embedded finance solutions, these companies provide innovative tools that streamline operations, enhance security, and drive growth.

• Digital Payment Solutions: Facilitates secure, instant transactions through API-driven platforms supporting credit cards, ACH transfers, and peer-to-peer payments.
• Blockchain-Based Asset Management: Enables secure storage and management of digital assets and cryptocurrencies using distributed ledger technology and smart contracts.
• AI-Powered Fraud Detection Systems: Utilizes machine learning algorithms to monitor real-time transactions, identify anomalies, and prevent unauthorized activities.
• Embedded Finance Platforms: Integrates financial services directly into non-financial applications, offering features like Buy Now, Pay Later (BNPL) and real-time lending.
• Regulatory Technology (RegTech) Services: Simplifies compliance by automating KYC (Know Your Customer) and AML (Anti-Money Laundering) processes, ensuring adherence to global standards.

Why Fintech Companies In NYC Trust Euvic

Euvic empowers fintech companies by merging cutting-edge technology, industry expertise, and scalable development.

Our Smart Delivery Model combines US-based leadership with world-class Polish engineering talent, enabling fintech firms to streamline operations, boost security, and foster innovation.

• Custom-Fit Development Teams: With over 6,000 engineers, Euvic builds specialized teams tailored to meet the unique needs of each fintech project, ensuring seamless execution and alignment with client goals.
• AI-Driven Solutions: Euvic integrates artificial intelligence and machine learning to power fraud detection, predictive analytics, and real-time decision-making, helping fintechs gain a competitive edge.
• RegTech and Compliance Expertise: We automate KYC and AML processes to ensure full compliance with global standards like PCI DSS, minimizing regulatory burdens for fintech firms.
• End-to-End Service Delivery: From platform architecture to deployment and support, Euvic manages every stage of development, providing fintech companies with operational efficiency and peace of mind.
• Blockchain and Digital Asset Integration: Our expertise in distributed ledger technology helps fintech firms securely manage digital assets through blockchain-powered platforms.
• Scalable Cloud Infrastructure: Euvic’s cloud-native solutions enable seamless scaling, optimized infrastructure, and accelerated time to market for fintechs of all sizes.

NYC fintech companies trust Euvic because we offer more than technical expertise—we become true partners focused on growth, security, and innovation.

Here are our top picks for the best Fintech companies in NYC…

Affirm: Redefining Payment Flexibility Through Embedded Finance

Overview: Who Are They?

Affirm is a fintech company at the forefront of embedded finance and Buy Now, Pay Later (BNPL) solutions. Founded to disrupt traditional credit systems, Affirm offers consumers an alternative to revolving credit through installment-based financing with transparent pricing and no hidden fees, helping users manage spending responsibly.

Services: What Do They Offer?

• BNPL Payment Options: Offers short-term interest-free installments and long-term financing up to 60 months through integrated merchant partnerships.
• The Affirm Card™: A hybrid debit and BNPL card allowing users to pay instantly or request installment payments directly within the app.
• AI-Powered Customer Support: Uses machine learning to automate more than 60% of customer interactions, improving efficiency at scale.
• Embedded Checkout Integration: Enhances conversion with deep integration of the Purchasing Power feature at partner merchant points of sale.
• Dynamic Credit Decisioning: Employs real-time credit checks to optimize approvals without negatively impacting customer credit scores.

About: What Sets Them Apart?

• Flexible Financing Models: Affirm offers a seamless experience across multiple industries—from retail and travel to auto and home improvement—enabling merchants to tap into various consumer segments.
• Transparent Fee Structures: Unlike traditional credit providers, Affirm’s no-fee model promotes consumer trust and reduces reliance on penalty-based revenue.
• AI-Enhanced Fraud Detection: Leveraging AI for fraud detection ensures transactions are monitored and flagged in real time, mitigating risks.
• Optimized Interest Models: Interest rates vary dynamically, with options from 0–36% APR based on credit checks, providing accessible financing for a broad consumer base.
• Integrated BNPL Ecosystem: Affirm partners with major platforms like Amazon, Walmart, and Apple to embed financing directly into checkout flows.

Client Profile: Who Do They Work With?

Affirm collaborates with a diverse range of businesses, including large-scale e-commerce platforms, travel companies, automotive retailers, and luxury brands. Their partners—such as Expedia, Target, and Lowe’s—leverage Affirm’s embedded finance tools to increase conversions, capture higher customer lifetime value, and attract a more diverse consumer base.

Learn More About Affirm Here

Wise: Transforming Global Money Management With Transparent Cross-Border Payments

Overview: Who Are They?

Wise, formerly TransferWise, is a fintech company focused on streamlining international money transfers and multi-currency management. With operations across 160 countries and support for 40 currencies, Wise provides consumers and businesses with fast, low-cost transactions using real exchange rates, without hidden fees.

Services: What Do They Offer?

• International Money Transfers: Facilitates real-time cross-border transactions using local payment rails, reducing costs and optimizing settlement speeds.
• Multi-Currency Accounts: Offers accounts with the ability to hold balances in over 50 currencies, complete with local account details like IBANs and sort codes.
• Wise Business Platform: Supports bulk payments and automated payroll processing with accounting software integration for seamless business operations.
• APY-Enabled Balances: Provides 4.44% APY on USD balances through FDIC-insured deposits, offering liquidity without compromising returns.
• Embedded Financial Services: Integrates with platforms like Monzo and Google Pay, enabling financial institutions to offer faster, more efficient cross-border payment solutions.

About: What Sets Them Apart?

• Direct Network Connections: Access to 90+ banking partners worldwide facilitates instant payments, with over 60% arriving within 20 seconds.
• Transparent FX Model: Wise applies mid-market exchange rates without markups, making foreign exchange transactions clear and predictable.
• Compliance Across Jurisdictions: Licensed in over 65 countries, Wise mitigates regulatory risk with global oversight and adherence to local financial requirements.
• Seamless API Integrations: Financial institutions leverage Wise’s APIs to streamline correspondent banking and offer competitive global payments infrastructure.
• Operational Efficiency: Wise eliminates the inefficiencies of legacy payment systems, enabling lower costs and real-time payment approvals.

Client Profile: Who Do They Work With?

Wise serves a broad spectrum of clients, including freelancers, small businesses, and enterprises seeking global banking capabilities. Partnering with fintechs, challenger banks, and multinational corporations, Wise supports seamless payroll management, cross-border invoicing, and efficient treasury operations. Enterprises across sectors—such as travel, retail, and tech—rely on Wise to optimize their financial workflows and access new markets.

Learn More About Wise Here

Enfusion: Cloud-Native SaaS Solutions For Seamless Investment Operations

Overview: Who Are They?

Enfusion is a cloud-native fintech platform that integrates front, middle, and back-office operations for investment managers. By providing a unified SaaS solution built on a single data set, Enfusion empowers asset managers, hedge funds, and family offices to optimize their workflows and focus on core strategies.

Services: What Do They Offer?

• Portfolio Management System: Offers real-time tracking and analysis of portfolio performance, helping managers stay aligned with market shifts.
• Order and Execution Management: Streamlines trading activities with seamless integration of multi-asset class execution across markets.
• Analytics and Reporting Tools: Provides advanced analytics, giving investment teams deeper insights into market trends and performance metrics.
• Middle Office Managed Services: Supports reconciliation, data validation, and performance reporting with automated workflows.
• API-Driven Connectivity: Enables fast integration with other platforms and data sources, ensuring consistent data flow across the firm.

About: What Sets Them Apart?

• Cloud-Native Architecture: Designed to scale operations efficiently, allowing firms to add asset classes and markets without infrastructure bottlenecks.
• Golden Source Data Management: Maintains a single, accurate dataset across all departments, reducing discrepancies and increasing operational precision.
• Real-Time Operational Synchronization: Keeps portfolio managers, trading desks, and compliance teams aligned with unified, up-to-date data.
• Scalable SaaS Model: Offers continuous improvements through frequent updates without disrupting client operations.
• Global Partnership Network: Collaborates with industry leaders like U.S. Bank, expanding service capabilities across various asset classes and strategies.

Client Profile: Who Do They Work With?

Enfusion caters to hedge funds, institutional asset managers, family offices, and emerging investment funds. These clients leverage Enfusion’s platform to streamline their operational infrastructure, manage portfolios across multiple asset classes, and automate reconciliation tasks. With a focus on scalability, Enfusion supports firms navigating complex regulatory environments while enabling rapid entry into new markets.

Learn More About Enfusion Here

Adyen: Unified Payments Platform For Simplifying Global Transactions At Scale

Overview: Who Are They?

Adyen provides an integrated financial technology platform offering businesses end-to-end payment processing, acquiring, and financial management solutions. From ecommerce giants to retail storefronts, Adyen delivers seamless transactions across channels, utilizing real-time data to optimize conversion rates and manage fraud efficiently.

Services: What Do They Offer?

• Global Payment Acquiring: Support for multiple currencies and payment methods with local acquiring capabilities for improved authorization rates.
• Unified Commerce Solution: Connects online and in-person payments for cross-channel data analysis and enhanced customer experiences.
• Payment Issuing: Issue branded virtual and physical payment cards to streamline disbursements and manage cash flow.
• Advanced Risk Management: Machine-learning models for fraud detection and prevention without disrupting legitimate transactions.
• Actionable Data Insights: Aggregates payment data across channels, providing actionable insights to enhance operational efficiency.

About: What Sets Them Apart?

• Machine Learning-Driven Optimization: Boosts authorization rates by dynamically selecting the optimal payment route.
• Seamless Integration: Adyen’s single API powers both acquiring and issuing, minimizing disruptions during setup or scaling.
• Global Acquiring Network: Local acquiring connections in key markets reduce transaction fees and bank declines.
• Omnichannel Capabilities: Syncs ecommerce and in-store data to create a unified customer experience.
• Regulatory Compliance Framework: Adyen complies with PCI DSS, PSD2, and other global financial regulations to streamline payments across regions.

Client Profile: Who Do They Work With?

Adyen partners with enterprises, ecommerce businesses, retail chains, and platforms seeking to optimize payments, enhance customer experiences, and enter new markets. Their solutions cater to high-growth companies needing global acquiring, fraud protection, and a unified commerce setup to streamline their payment operations.

Learn More About Adyen Here

iCapital: Connecting Wealth Managers To Alternative Investment Opportunities

Overview: Who Are They?

iCapital offers a comprehensive platform that simplifies access to alternative investments, connecting wealth managers and financial advisors with private markets. With over $200 billion in assets managed, the platform provides end-to-end solutions, from fund onboarding to reporting, allowing clients to integrate, invest, and manage alternatives seamlessly.

Services: What Do They Offer?

• Investment Marketplaces: Access a curated selection of private equity, hedge funds, and structured investments with streamlined onboarding.
• Portfolio Analytics & Reporting: Use interactive dashboards to monitor cash flows and evaluate fund performance across accounts and households.
• Fund Lifecycle Management: Automate capital calls, document workflows, and reporting for a more transparent investor experience.
• Custom Investment Platforms: Enable white-label platforms for private banks and advisors with built-in compliance and fund access.
• Data-Driven Insights: Leverage analytics for better portfolio decisions with reports customized for individual or institutional clients.

About: What Sets Them Apart?

• Comprehensive Fund Ecosystem: Collaborates with 600+ fund managers, issuers, and insurance carriers for diverse investment opportunities.
• Integrated Workflows: Automates every stage of investment, from onboarding through to capital deployment and reporting.
• White-Label Technology Solutions: Supports private banks and wirehouses with custom investment platforms built on iCapital’s infrastructure.
• Compliance-First Architecture: Provides full encryption and integrated tools to meet regulatory requirements across jurisdictions.
• Real-Time Reporting: Offers instant visibility into investment performance through intuitive dashboards and analytics.

Client Profile: Who Do They Work With?

iCapital serves wealth managers, private banks, and financial advisors who manage high-net-worth clients. The platform caters to institutions looking to integrate alternative assets within portfolios, offering comprehensive tools for fund management, reporting, and compliance. With scalable solutions, iCapital supports both independent advisors and large financial institutions aiming to expand into private markets efficiently.

Learn More About iCapital Here

Cash App: P2P Payments, BitCoin, And Fractional Shares In One Place

Overview: Who Are They?

Launched in 2013 by Block, Inc. (formerly Square), Cash App combines P2P payments, investing, savings, and bitcoin management in one platform. It offers users the ability to send and receive money instantly, manage their funds with customizable debit cards, and trade stocks and cryptocurrency seamlessly. With integrated tax filing services, Cash App aims to provide a complete financial experience for individuals looking to streamline everyday transactions.

Services: What Do They Offer?

• P2P Payments: Send or receive funds instantly using a $Cashtag, phone number, or QR code, with no fees for standard transactions.
• Bitcoin Transactions: Easily buy, sell, and send bitcoin within the app, with features like automatic bitcoin investing from direct deposits.
• Fractional Stock Trading: Access stocks starting with just $1, trade fractional shares, and monitor portfolios in real time with no commission fees.
• Custom Debit Cards: Order a personalized Cash App Card for everyday spending, complete with in-app management and rewards for frequent use.
• Savings Goals & Round-Ups: Create savings goals, track progress, and round up purchases to the nearest dollar for effortless micro-saving.

About: What Sets Them Apart?

• Fee-Free Stock and Crypto Trading: Offers stock investments and bitcoin purchases without hidden commissions or fees.
• Embedded Financial Ecosystem: Integrates banking, P2P payments, crypto, and savings tools in a single interface for comprehensive financial control.
• Direct Deposit and ATM Benefits: Early direct deposit options, fee-free ATM withdrawals, and no overdraft fees for qualifying users.
• Seamless Tax Filing Capabilities: Provides Cash App Taxes for free federal and state tax filing, including audit defense and step-by-step assistance.
• Real-Time Portfolio Management: Users can monitor stocks, crypto, and savings with instant alerts, ensuring easy access to market insights.

Client Profile: Who Do They Work With?

Cash App primarily serves individuals seeking digital-first financial solutions. Its target audience includes young adults, casual investors, freelancers, and small business owners who value simplicity, flexibility, and low-cost financial services. With tools to send payments, manage savings, and trade assets, Cash App attracts users looking for a streamlined platform to manage everyday finances without the traditional complexities of banking.

Learn More About Cash App Here

Enova: Bridging The Credit Gap With Data-Driven Financial Solutions

Overview: Who Are They?

Founded in 2003, Enova International (NYSE: ENVA) leverages advanced machine learning to deliver flexible credit options for individuals and businesses. Through its Colossus™ platform, Enova offers non-prime consumers access to reliable loans, while also partnering with traditional banks to extend financial services to small businesses. With over $56 billion funded and 10.5 million customers served, Enova continues to close the credit gap across global markets.

Services: What Do They Offer?

• Consumer Loans: Provides installment loans, lines of credit, and cash advances through brands like CashNetUSA and NetCredit.
• Small Business Financing: OnDeck and Headway Capital deliver fast working capital solutions for SMBs with flexible terms and quick disbursement.
• International Money Transfers: Pangea offers low-cost transfers from the U.S. to over 40 countries, focusing on Latin American and Asian markets.
• Real-Time Analytics Platform: Enova Decisions applies AI-powered algorithms to optimize financial decision-making for external clients.
• Colossus™ Machine Learning Engine: 90% of Enova’s lending models rely on AI to evaluate and approve credit, delivering smarter outcomes at scale.

About: What Sets Them Apart?

• Proprietary AI-Driven Platform: Colossus™ processes complex financial data to offer customized credit assessments in real time.
• Global Financial Inclusion Focus: Enova extends services across four countries, targeting non-prime borrowers with limited access to traditional credit.
• Diverse Lending Portfolio: Operates brands like NetCredit, OnDeck, and Headway Capital to meet the varied needs of consumers and small businesses.
• Innovative Partnerships with Banks: Collaborates with leading financial institutions to integrate Enova’s analytics into traditional lending workflows.
• Commitment to Responsible Lending: Aligns with regulatory standards through affiliations with the Online Lenders Alliance (OLA) and ILPA.

Client Profile: Who Do They Work With?

Enova caters to non-prime consumers, small businesses, and financial institutions. Its services attract individuals seeking credit solutions beyond traditional banks and SMBs requiring fast, reliable financing. Additionally, Enova partners with banks and fintech firms to embed its analytics engine into lending processes, empowering them to serve clients more efficiently.

Learn More About Enova Here

MoneyLion: Empowering Financial Well-Being Across Digital Domains

Overview: Who Are They?

MoneyLion, a financial technology company, provides a comprehensive suite of products to help users manage, invest, and grow their finances. With offerings like Instacash cash advances, credit-building loans, and managed investing, MoneyLion enables users to access their earnings earlier and make smarter financial decisions. Partnering with Pathward®, N.A., MoneyLion delivers secure mobile banking solutions backed by FDIC insurance, creating a user-friendly environment for personalized financial growth.

Services: What Do They Offer?

• Instacash® Cash Advances: Users can unlock up to $500 instantly without hard credit checks or interest charges, providing liquidity for short-term needs without incurring debt.
• Personal Loan Marketplace: Aggregates loan offers up to $100,000 for debt consolidation, emergencies, or large purchases. This marketplace optimizes approvals by using soft credit inquiries, ensuring no impact on credit scores.
• RoarMoney® Digital Banking: This mobile-first banking solution allows users to access their paycheck up to two days early, earn cashback, and use 55,000 fee-free ATMs nationwide. Powered by Pathward®, it delivers secure, FDIC-insured banking.
• Managed Investing: Automated portfolios aligned with individual risk profiles, leveraging features like Auto Invest and Round Ups to grow wealth efficiently over time.
• Credit Builder Plus Membership: Enables users to build credit through small installment loans, track their credit score growth, and access additional financial tools with no hard inquiries.

About: What Sets Them Apart?

• Earnings On-Demand: MoneyLion’s Instacash service bypasses traditional payday cycles, offering immediate access to earnings without interest or fees.
• Automated Wealth-Building Tools: Auto Invest and Round Ups enhance savings by automatically allocating spare change and recurring contributions toward managed portfolios.
• Cashback and Rewards Ecosystem: RoarMoney users benefit from cashback on transactions and gain access to exclusive giveaways, maximizing the value of everyday spending.
• Community-Based Financial Support: In-app forums foster peer engagement, where users can exchange advice and participate in peer-to-peer Instacash Boosts to increase cash advance limits.
• Transparent, Fee-Free Products: The platform avoids hidden fees, offering straightforward terms across loans, banking, and credit-building tools to enhance financial literacy and trust.

Client Profile: Who Do They Work With?

MoneyLion serves individuals looking for easy access to financial tools without the constraints of traditional banking. Their clients include users seeking cash advances, those aiming to build credit, and people exploring investment opportunities. MoneyLion appeals to early paycheck seekers, credit builders, and savers by combining flexible banking with automated wealth management tools.

Learn More About MoneyLion Here

Xero: Automated Accounting Management With Real-Time Insights

Overview: Who Are They?

Xero is a cloud-native accounting platform designed to empower businesses with automated financial management. Offering real-time data synchronization and automated reporting, it simplifies bookkeeping, payroll, and compliance tasks for businesses of all sizes. With robust API integrations and a focus on collaboration, Xero helps businesses maintain a healthy cash flow, reduce manual workloads, and make informed decisions. The platform serves as a financial hub, connecting seamlessly with banks, third-party apps, and advisors to deliver precision and efficiency in accounting.

Services: What Do They Offer?

• Invoicing and Payment Gateways: Generate digital invoices, automate payment reminders, and integrate with payment processors such as Stripe and PayPal to facilitate seamless transactions and improve accounts receivable cycles.
• Bank Feed Reconciliation: Synchronize with over 21,000 financial institutions for real-time transaction imports, automating reconciliation to maintain up-to-date ledgers and accurate cash flow tracking.
• Expense and Receipt Management: Use mobile-friendly tools to capture receipts via OCR (Optical Character Recognition) and streamline expense approvals through automated workflows.
• Payroll and Compliance Tools: Manage payroll operations and tax compliance through Gusto-powered integrations, offering automated salary calculations and tax filings in compliance with regional laws.
• Project Financial Tracking: Monitor project budgets and profitability with job costing tools that link expenses, time tracking, and invoicing for better forecasting and financial control.

About: What Sets Them Apart?

• API-Driven Ecosystem: Leverage Xero’s open API infrastructure to connect with more than 1,000 applications, allowing businesses to build a tailored tech stack that integrates accounting with e-commerce, CRM, and financial services platforms.
• Multi-Currency and International Taxation Support: Handle transactions across 160+ currencies with real-time exchange rate updates and manage cross-border tax requirements efficiently.
• Collaborative Cloud Environment: Facilitate better teamwork by giving stakeholders access to real-time financial data, improving communication with accountants, advisors, and team members from anywhere in the world.
• Automated Workflow Optimization: Automate repetitive tasks such as recurring invoicing, bank reconciliations, and payroll, freeing up time for strategic financial planning.
• Advanced Security and Compliance: Maintain data integrity with multi-factor authentication (MFA), end-to-end encryption, and continuous monitoring to meet compliance and privacy standards.

Client Profile: Who Do They Work With?

Xero supports a wide range of industries, from retail and real estate to construction and professional services. Small-to-mid-sized enterprises (SMEs), freelancers, and accounting firms benefit from Xero’s dynamic platform, which allows them to automate financial operations, streamline reporting, and scale effortlessly. Its multi-currency capabilities and extensive app ecosystem make it especially valuable for businesses with international operations or complex financial processes. Xero also offers specialized solutions for accountants and bookkeepers to enhance practice management through seamless client collaboration.

Learn More About Xero Here

SoFi: Personal And Professional Financial Management Using A Flexible Fintech Platform

Overview: Who Are They?

SoFi is a dynamic financial technology company offering a suite of services across lending, banking, and investment management. Known for its hybrid model of digital banking, SoFi provides innovative products such as student loan refinancing, personal loans, and automated investment portfolios. With over 8.8 million members, it combines technology with member benefits to simplify personal finance.

Services: What Do They Offer?

• Personal Loans: Access competitive fixed-rate loans with no fees, designed for debt consolidation, major purchases, and home improvements.
• Student Loan Refinancing: Simplify payments by consolidating federal and private loans into one, with flexible repayment plans and interest rate reductions.
• Investing: Trade fractional shares, crypto, ETFs, and access IPOs, while automating portfolios—all conveniently managed in a single platform.
• Banking: Earn up to 4.30% APY with direct deposits, enjoy overdraft protection, and receive your paycheck up to two days early with no monthly fees.
• Insurance: Browse affordable renters, auto, life, and cyber insurance policies, all accessible through SoFi Protect for comprehensive coverage.

About: What Sets Them Apart?

• All-in-One Finance App: Manage banking, investing, lending, and crypto from one dashboard, streamlining your financial life with intuitive tools.
• Member Rewards System: Earn reward points redeemable for loan payments, investments, or cash, creating value with every financial move you make.
• No-Fee Policy: Experience no overdraft fees, monthly account fees, or prepayment penalties, ensuring transparent financial management.
• Exclusive Access: SoFi members unlock perks like financial coaching, VIP event invitations, and exclusive experiences at SoFi Stadium.
• Rate Discounts: Lower your loan rates with autopay and member-only discounts, reducing borrowing costs while boosting financial flexibility.

Client Profile: Who Do They Work With?

SoFi serves digitally savvy individuals seeking to optimize their personal finances across banking, lending, and investment portfolios. Its target audience includes professionals refinancing student loans, first-time investors, and individuals looking for seamless banking options with no hidden fees. Additionally, SoFi offers solutions for small business owners and members in need of financial planning support.

Learn More About SoFi Here

How To Start Working With A Fintech Company In NYC

New York City offers a wealth of fintech companies, making it essential to find the right partner for your business needs. From streamlined onboarding to scalable financial solutions, following a structured approach ensures the best outcomes in the fast-paced fintech landscape.

Step 1: Identify your business needs and challenges, mapping out specific fintech solutions such as payment processing, lending, or wealth management tools.

Step 2: Research NYC-based fintech firms that specialize in your industry, ensuring their offerings align with your business goals and regulatory requirements.

Step 3: Evaluate company portfolios and client reviews to assess each firm’s experience, success rates, and the quality of their delivered solutions.

Step 4: Request initial consultations with shortlisted fintech providers to discuss your business needs and explore potential solution roadmaps.

Step 5: Review service-level agreements (SLAs) and pricing models to ensure transparency in deliverables, timelines, and cost management.

Step 6: Test pilot programs or demos, if available, to validate the platform’s compatibility, performance, and scalability for long-term growth.

Step 7: Choose the fintech partner that offers the best combination of expertise, innovation, and personalized support to drive your business forward.

Meet Euvic: The Perfect Partner For Fintech Companies In NYC

Choosing the right partner is critical for fintech companies striving to thrive in a competitive market, and Euvic is built to deliver. With over 6.000 world-class engineers, Euvic seamlessly blends local expertise with global talent to accelerate fintech innovation and success.

We specialize in supporting fintechs across diverse areas, including blockchain, payment gateways, DeFi platforms, and digital lending. Our US-based leadership collaborates directly with our top-tier Polish engineering teams to provide a smart delivery model that ensures seamless communication, speed, and scalability. With Euvic, you can focus on your core business while we handle the complexity of system integrations and technical execution.

Our impressive client portfolio includes industry leaders like Volvo, Deloitte, and Swedbank, all of whom rely on Euvic for high-impact solutions and consistent results. We offer flexible pricing models and end-to-end project management, ensuring maximum efficiency and value. Our managed teams are designed to grow with you, providing scalable solutions that adapt to your evolving needs.

With a 92% retention rate and 31% year-over-year growth, Euvic is committed to forming long-term partnerships that drive meaningful outcomes. Whether you need faster product launches, additional technical capacity, or enhanced operational efficiency, Euvic is ready to help fintech companies in NYC unlock their full potential.

Transform your business with Euvic’s expertise and proven solutions. Schedule a free consultation or contact us directly at +1 (201) 409-2342 to explore how we can power your fintech success.