Best 36+ Unicorn Fintech Companies In 2022 (Updated)

Best 36+ Unicorn Fintech Companies In 2022 (Updated)

The Unicorn Fintech Companies Startups are a key market for conservative investors and venture capitals. Most of the New Unicorn Startups are Fintech, Cybersecurity, or related to Financial markets. Thus, I decided to make a report about 36+ Unicorn Fintech Startups to watch in 2022.

36+ Unicorn Fintech Companies Startups in 2022 (Updated)

I have selected these Fintech Startups that are transforming the Fintech Industry with innovative solutions. I aim to introduce you to these Fintech Startups with one short sentence about their solution and also the valuation of the Unicorn Startup. I also found beneficial the video introduction of the Startup. In this way, you can figure out in only a few minutes the current problem situation, what they are doing, how they are offering, and a link to their Youtube channel.

I have also made a more extended premium report that includes 30+ Unicorn Fintech Startups and 50+ Unicorn Startups. If you are interested, you can contact me on Linkedin.

Our First Unicorn Fintech Companies Startups: Stripe

Payment platform to build economic infrastructure for the internet.

The most valuable Indian Unicorn Fintech: One97 Communications

  • Description: One97 is an Indian mobile internet, e-commerce payment system, and financial technology company that uses the e-wallet system to provide payment platforms for e-commerce traders. Their famous product is Paytm, which is an electronic payment wallet used for purchases and transfers.
  • HQ Location: Noida, India.
  • Valuation: $16B.
  • LinkedIn:
  • Vídeo: 

The unique Unicorn Fintech Startups at LATAM: Nubank.

  • Description: The leading financial technology company in Latin America and the largest independent neobank in the world, with more than 20 million clients.
  • HQ Location: Sao Paulo, Brazil
  • Valuation: $10B
  • Linkedin:


  • Description: Ripple provides one frictionless experience to send money globally using the power of blockchain technology.
  • HQ Location: San Francisco, United States
  • Valuation: $10B
  • Linkedin:


  • Description:  To finish this our Top 5 of Unicorn Fintech Companies. Robinhood is a platform offering commission-free trading. Robinhood Crypto is licensed to engage in virtual currency business activity.
  • HQ Location: California, United States
  • Valuation: $8.3B
  • Linkedin:
  • Vídeo: Not available

Coinbase (Currency wallet)

  • Description: Coinbase is a digital currency wallet and platform where merchants and consumers can transact with new digital currencies like bitcoin, ethereum, and litecoin.
  • HQ Location: San Francisco, United States
  • Valuation: $8B
  • Linkedin:
  • Vídeo: 

National Stock Exchange of India

National Stock Exchange of India is the biggest electronic exchange in the country. It provides an electronic and fully automated stock exchange platform for investors to invest and earn.

Chime Banking

  • Description: It is one of the fastest-growing banks in the United States, offering technology focused on helping its members achieve financial peace of mind.
  • HQ Location: San Francisco, United States
  • Valuation: $5.8B
  • Linkedin:
  • Vídeo: 

The first: European Unicorn Fintech Startups Revolut

  • Description: Revolut is a solution to remove all currency exchange fees so you can now send, exchange, and spend money globally with no fees at all.
  • HQ Location: London, United Kingdom
  • Valuation: $5.5B
  • Linkedin:
  • Vídeo: 



TransferWise is a money transfer service that allows users to transfer and exchange money internationally with multiple currency options. It is considered the cheapest money transfer system with the lowest rates compared to the competitors. This is one of the most famous Unicorn Fintech Startup in Europe.


Toast is a platform built on Management Information System MIS for restaurants. It works by using software that tracks sales, inventories, salaries, and refunds, etc., and give the users an opportunity to view the details from their end through the internet.


SoFi is an online fintech company that gives the platform to record, save, alter, and manage your personal finances through a mobile app on your phone.


Greensill is a finance company whose aim is to provide the businesses with capital for fast purchases and payments by giving them funds and asking for returns later on with interest. They operate in the United Kingdom. can be categorized as a home insurance fintech company. They provide a digitalized home financing insurance system to their users. Due to the digital processes being done in milliseconds, they are able to provide services at the click of a button. They also provide quotations from insurance providers and a platform to connect with real estate agents virtually.


Gusto is an online platform that uses a Management Information system to manage Companies; salary system, HR management, and information dissipation system.

N26: First German Unicorn Fintech Startup

N26 is a mobile banking platform that, gives its users the opportunity to manage and control their finances through the digitized, decentralized network that can be accessed with simple signup.

BGL Group

BGL Group is a UK-based Fintech company that runs by providing home insurance vehicle insurance, and financial services digitally. BGL Group’s brands include,,,, and online life insurance

Circle Internet Financial

Circle Internet Financial runs by giving companies to rum internet on a new money standard, which is the USD Coin. This is a unique form of cryptocurrency whose price is stable because it is backed up by US Dollars, which are held in Reserve by Regulated Financial Intuitions. This coin is also regulated by Regulated Financial Institutions. One coin can be used as one dollar if redeemed.

  • HQ Location: Boston, Massachusetts, United States.
  • Valuation: $3B.
  • LinkedIn:


Brex is a Fintech Company that gives financial services to tech companies. Their business model is to give capital on credit to businesses, especially tech companies, and later on charge them on an interest basis.


Affirm is a financial technology company that gives its users the advantage of rapid financing during instant purchases or online purchases. They give the service on a credit basis and charge later ion in installments with an increased amount, i.e., the minimal interest to be paid.

Waterdrop (Insurtech): First Chinese Unicorn Fintech:

Waterdrop is a company that provided health insurance but with a different model. All the buyers of the Insurance pay an amount, and when a patient is diagnosed with a disease that has a high medical fee, the money is paid by the insurances of the other users—this way, high capital requiring diseases can be treated.

OakNorth (Banking)

OakNorth is a banking platform that provides businesses and people loans and a platform for savings, just like all other banking platforms.

Viva Republica (Toss): South Korea Unicorn Fintech

Viva Republica (Formerly Toss) is a South Korean fintech company providing a mobile application to tackle finances and money transfers. Toss’s mobile financial services include loans, insurances, investment plans, and credit score management services for its users through a mobile application. (Payments).

Marqeta (Card Payment)

Wefox Group (Insurtech).

Pine Labs.

  • Description: Helping merchants to increase their revenue by a technology that reduces the cost and complexity of running a business, and managing the risks involved.
  • HQ Location: India
  • Valuation: $1.6B
  • Linkedin:
  • Vídeo: Not available

Atom Bank (Payments).


The only Australian Unicorn Fintech Startups on our list: Air Wallex (Payments).

  • Description: Save money for international payments and transactions in a few clicks for any business with Global Ambitions.
  • HQ Location: Hong Kong, Australia
  • Valuation: $1.6 B
  • Linkedin:
  • Vídeo: 

AvidXchange (Payments).

Figure Technologies.

  • Description: A web platform using Artificial Intelligence and Blockchain and providing management in digital assets for completing financial and investment transactions.
  • HQ Location: United States
  • Valuation: $1.2B
  • Linkedin:
  • Vídeo:

OVO (Payments).

  • Description: OVO is a smart app for easy payment transactions (OVO Cash). It also give you the chance to greater  to accumulate points for many other purchases (OVO Points).
  • HQ Location: Indonesia
  • Valuation: $1.3 B
  • Linkedin:
  • Vídeo: Not available in English.

Deposit Solutions


The last Unicorn Fintech Companies Startups at our list: Liquid

You may also be interested in 9+ Fintech Companies in NYC

9+ Best Fintech Companies In NYC To Watch In 2022

Summary of Unicorn Fintech Companies Startups in 2021.

Best Unicorn Fintech Startups in 2020

This report doesn’t include the whole list of Unicorn Fintech, but I have included some of the most interesting from the technology and innovation point of view. Our society is becoming more digital, and the digital transformation is accelerating dramatically.

After the coronavirus (COVID-19 pandemic), the technologies are getting more critical. Therefore, it is not random how the newest unicorn Fintech is related to online payments and part of the digital transformation of finance.

Are you interested in the Best Fintech Startups?

Find our latest report about Best Fintech Startups

Best Fintech Startups To Watch In 2022

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