Top 12 FinTech Companies to Watch in 2019

Top 12 FinTech Companies to Watch in 2019

It’s not a secret that modern financial services rely heavily on modern technologies. Everything starting from P2P operations, KYC procedure, and finishing with distributed ledgers and artificial intelligence will transform the financial sphere in decades. 2019 promises to be full of life-altering innovations brought about by startups.


Let’s observe 12 dynamically evolving companies that will rock the fintech industry this year.

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1. Previse – smart invoice manager

Previse’s central goal is simple but genius. Their team has defined that handling transactions too slowly costs worldwide organizations roughly $650 billion every year, and the startup means to change that with its algorithm-driven invoice manager. Previse empowers organizations to pay their providers in a split second by learning AI to reject invoices that aren't probably going to be paid, and having their key partners pay the rest.

Basically, Previse pays solicitations in advance, permitting clients the adaptability of later payments and giving sellers the possibility to receive payments instantly. With Previse, organizations don't need to trouble themselves with loans to cover expenses resulting from late installments, so they save extra cash and enjoy a higher operational capital. Previse is actually changing the way the B2B trade works.


2. AID: Tech – Making donations transparent

AID: Tech utilizes Blockchain innovation to convey straightforwardness to the process of donation distribution in the world's underserved areas. Not so long ago, the organization joined forces with the Irish Red Cross to present an application, TraceDonate, which enables contributors to do charity safely and to receive notifications about how the given assets are being utilized. Organizer Niall Dennehy clarifies: "We discovered that 30% of global aid disappears every year and we offered the platform which could prove to givers that their cash has gone where it was proposed." No little accomplishment considering the fact that $410 bln was donated from the USA alone in 2017.

3. Stash – Passive trading

Stash is a mobile application that trades for you – it automatically invests your money (minimum $5) using the strategies you prefer. The most popular strategies are:

  • 'Conservative blend' (various investments)

  • 'Copy experts’ which means following the lead of the expert speculators

  • 'Corporate cannabis' which puts resources into the growth of legitimate pot

  • and so on

If you want to get your feet wet with investments, this product is a true find. You can start with only a $5 investment and use the tools that will turn you into a financial specialist. What’s interesting is that you can select the investment strategy that mirrors your interests, opinions, and aims. Some certain stocks and ETFs are supported by Stash’s group of specialists.

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4. TrueLayer – Financial security is in your hands

Having been around for only 2 years, TrueLayer has already made a few accomplishments by supporting other new Fintech companies. By helping smaller, new businesses obtain banking information, TrueLayer managed to protect $7.5 mln in subsidizing.

TrueLayer’s platform is here to help FinTech and other similar organizations to leverage the KYC process, introduce open banking, and comply with PSD2 demands. The company from London received $4.3 mln from contributors and started working with organizations connected with personal finances, open banking & accounting. TrueLayer is under the regulation of the UK's Financial Conduct Authority, one of the strictest monetary controllers on the planet, and is planning to enter the German market, too.

2019 promises to be a significant year for the startup with more new businesses hoping to enjoy the benefits of open banking and potentially new European companies to join.  

5. Opendoor – Sell real estate without the hassle

This California-based startup has managed to raise over $1 bln funding with $400 mln from SoftBank's Vision Fund alone! This is a platform that leverages an algorithm which calculates the value of homes in 20 various US cities and allows users to sell/buy a house. The cash is sent to the seller in a jiffy, though the platform has a 7% service charge.

Selling property at Opendoor is a matter of a few clicks
Opendoor website screenshot

With this service, customers can avoid a lot of hassle connected with real estate selling. For example, they don’t have to care about preparations, repairs, or home showings. Users are also free to select the closing timeline (10-60 days). Making movement a matter of a few clicks, the platform has already been used by thousands of Americans. It has received positive reviews from WSJ, Forbes, The New York Times, Fortune, etc.

6. Trussle – loans don’t have to be complicated

Trussle is here to revolutionize the mortgage broker sphere. With over 11,000 home loan bargains accessible from more than 90 banks, finding an optimal mortgage can become easier.

Trussle removes all the problems from this process for you and can enable buyers to save around £4,000 annually. What makes this home loan discovering platform superior is that Trussle keeps on searching for suitable deals, continually checking the market, and notifying you when a suitable deal is available.

One year from now, expect more from Trussle as it hopes to enlarge its open financial capacities to make the mortgage process even faster than now.

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7. AimBrain – Making biometrics available

AimBrain is a provider of Biometric Identity as-a-Service technologies. It has already received a lot of prestigious awards and continues making huge contributions in the sphere of BIDaaS. The platform supports such technologies as facial and voice acknowledgment, behavioral personality acknowledgment, lipsync, anomaly identification modules, and that's just the beginning. The app is intended to protect organizations of any scale from private ventures to worldwide enterprises, from frauds made by executing the most advanced biometric protocols with the goal of confirming all exchanges safely.

What makes the company stand out from the pack of competitors? It makes biometrics free for everybody! Customers include cloud service providers, FinTech associations and P2P banks, and the list is growing. Its client base should multiply in 2019 since biometrics is the key to safety.

Biometrics Security
Image by 123rf

8. iwoca – SMB loans with 100% safety

iwoca offers loans to SMB organizations situated in the UK, Germany, Spain, and Poland. The organization has raised $158.9 mln and has given credits to more than 5,000 independent companies. Despite the fact that there are numerous similar moneylenders in the US, only a few offer such service Europe, and even less offer credits in different countries. iwoca additionally stands out by rendering open banking in partnership with Lloyds Bank, Barclays, and HSBC, so that borrowers could submit confirmed data in a jiffy. These achievements alone are sufficient to add iwoca to our chart.

9. Inamo – Easy payments on the go

Imagine you want to go to the swimming pool or a gym, and you don’t want to take a bulky wallet or mobile phone. How to have your money on hand? It’s possible with Inamo! They have built up numerous items that are waterproof and appendable to most watches and wellness devices that empower you to appreciate the freedom and comfort of instant payments wherever the Visa payWave is method is supported. Their portable application enables you to watch out for your spending, monitor expenses, manage accounts, and watch records from your credit card as well as block the account if it gets stolen.

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10. Crealogix – Supporter of financial businesses

To be sincere, CREALOGIX isn't really a startup – it was established in 1996 in Zurich! However, their ongoing developments in the digital financial sphere have revived the spirits of the company, and deserve being mentioned. The FinTech Top 100 organization is one of the standard setters in the digital financial sphere. Their Digital Banking Hub truly serves as a bank inside a cell phone, removing the need to go to a bank. Clients can check their financial balance, request credit reports and transaction details, and even work with KYC archives remotely, all with top-notch cyber security. What separates CREALOGIX is that this open platform can be coordinated flawlessly with any other framework while keeping up consistency with PSD2 and other monetary regulations.

Crealogix interface
Billing Mediamanager by Wikipedia Commons

11. Volt Bank – The bank of the future

Not only American and European startups fascinate us with technical advancements. Look at Volt Bank – this Australian-based modern bank turns the tables in favor of users. Thanks to the innovations and convenience proposed, it has managed to gather $45 mln from contributors.

Why is it on the list of great startups for 2019? In January, Volt turned into Australia's first completely authorized neobank. It will initially offer a suite of retail banking services, including budget control and account manager instruments. The company plans to join the SMB banking segment in the next year.

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12. Circle – P2P payments

Circle was established in 2013 as a platform for P2P payments and now is worth $3 bln. Recently, it started a partnership with industry leader Coinbase to create the USDC stable coin. Also, Circle enables clients to send currency and trade crypto. It’s available as an independent app and can be integrated into other platforms including iMessage.

Addressing instability in the financial sphere, Circle plans to make payments a no brainer, and they seem to be gradually accomplishing this goal.

Final thoughts

Implementing high-tech innovations in their products and services, these 12 cool FinTech companies provide customers with solutions that ease life and make financial transactions way safer. What is considered an innovation today will be an integral part of our routine tomorrow.

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5 Best Upcoming Cryptocurrencies to Watch in 2019 - Updated

  • Denys Serhiichuk
    📚 WikiCoin

    Almost every day new coins are being added on the Coinmarketcap. The list of coins is not limited to Bitcoin, Ethereum and other popular digital assets. Traders and investors are looking for alternatives to maximize their profits in 2019. We created the list of cryptocurrencies which are already widely discussed today. Hope you will choose the right one.

5 Best Upcoming Cryptocurrencies to Watch in 2019 - Updated

Today, in the cryptocurrency ranking on Coinmarketcap, more than 2,000 digital assets are represented. Of course, not all of them have real value and potential for further development. We cannot be 100% sure which coins will be profitable in 2019, as the crypto market is too volatile and unpredictable.


<>As we can see, the dominance of Bitcoin is starting to losing its grip tightness, creating space for altcoins to grow. In this case, what are the prospects for “young” cryptocurrencies in 2019? Let's try to identify the top five coins that should shoot up in the near future.


OMG is the digital coin of the OmiseGO blockchain platform. The project is based on open source code. Developers initially focused on the creation of new tools to eliminate society's dependence on banks.

The OMG platform is designed to help conduct financial transactions, even for those people who live in countries with no traditional financial infrastructure in the form of banks. This service is the result of the development of the Asian company Omise, which is the leading payment provider.

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OmiseGo prospects for 2019

OmiseGo cryptocurrency project is a really interesting platform with good prospects for further development.

Once the official OmiseGo wallet is released, there is supposed to be a “bear” trend of this currency. After that, an influx of new users is expected, which will make the coin more stable. Despite the fact that <>coin’s chart still showing us downtrend, the project still has good opportunities to return to its maximum highs. It is predicted that by the end of 2019 the rate of OMG can grow to <>$15-20. Of course, such forecasts are overly optimistic, but if the Chinese government keeps improving regulations of the crypto market, then Omise may achieve such indicators.

<>Despite the fact that in 2019 that the price reached its historical minimum, the situation on the crypto market seems positive for Omise. Perhaps this is a reversal of the trend and Coin has a bright future ahead. We advise you to look at altcoin closely to buy it at the lows.


It is a public blockchain ecosystem, the main task of which is to digitize all the data that is obligatory for a successful business. First of all, we are talking about establishing a decentralized database of products, as well as creating a platform for monitoring their quality and process of delivery. The project solves issues for the market of the Internet of Things, which is a trend nowadays.

The platform has already released its own blockchain, VeChainThor, and is working to improve it.

VET coin has become available for trading since August 3, 2018.  Nevertheless, we can summarize that the coin feels pretty confident in the market.

Growth factors:

  • Positive feedback from users

  • The platform has successfully completed the transition to its own blockchain

  • VET shows stability relative to other altcoins

  • VeChain has lots of serious partners who are ready to provide investments


ICON (ICX) is a blockchain platform designed to work with several different blockchains. In other words, ICON is a cross-chain solution that provides solidity for various blockchain projects. The implementation of ICON should improve the efficiency of the project's economy.

ICON ecosystem

Advantages of ICON:

  • Ensuring full universality in the system of interaction between the platform and users

  • The possibility of making modifications to smart contracts

  • The ability of quick transactions on the exchange

  • Fast information processing

  • Adaptability to working with artificial intelligence

The ICON project has official support from the South Korean government. This may be an indication that large Korean businessmen are seriously interested in the coin. Now a number of financial, medical and educational organizations from South Korea have begun to work closely with ICON in order to improve interaction with consumers. In addition, some other representatives of the business of this country and a number of corporations operating in the Asian market are showing interest in this project.

<>Now ICON is within the price of the bottom, but it does not seem like it will continue for a long time. The perspective of the coin, previous indicators, market sentiment indicates that $0.4 is a temporary value.

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Enjin Coin

ENJ cryptocurrency is a digital token platform for creating gambling applications. With Enjin Coin, developers can not only create virtual gaming products but also implement them. The project uses the Ethereum network,so ENJ tokens are in the ERC-20 format.

The biggest advantage Enjin Coin offers the gaming industry is the chance to set and manage virtual goods. Developers of any platform can easily create a currency designed exclusively for their community, which will be supported by Enjin Coin.

Each asset is kept in a single smart contract and registry, so all Enjin Smart Wallets can easily recognize it.

Enjin Coin ecosystem

<>If you look at the altcoin charts, it becomes a clear investor interest. In other words, Engine lives an active life. At the end of February, the active growth of altcoin began. And the gradual fall in prices may be the last good moment to buy before the explosive growth.


AION logo

AION is a third generation blockchain digital token. The essence of such platforms is the creation of an ecosystem where various projects can interact. Roughly speaking, the goal of AION is to create an ecosystem for blockchain startups.

AION is focused on the following issues:

  • The formation of a new infrastructure ensuring the integration of existing blockchain platforms.

  • Using its own scripting language to enable users to create unique digital cryptocurrency projects.

  • The final stage will involve the completion of the cryptosystem optimization process and ensuring its full scalability to speed up the exchange of information between users.

In 2019, the implementation of the network infrastructure is planned to be completed, providing everything needed for fast, efficient inter-network communication and inter-chain applications. In addition, the focus will be on such aspects as:

  • Collaborative networking

  • Complete consensus validator assessment mechanism

  • Launch of the second version of Aion Virtual Machine

The prospects for AION in 2019 will directly depend on the continued relevance of the idea of ​​combining existing blockchains into a single platform. <>The project team is actively developing it, introducing new features and solutions. Despite the low price of altcoin, the tendency to increase prices is already visible. If the development will be successful, AION has all chances to become a hit already in 2019.

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How to choose the most promising cryptocurrency?

The answer is simple: they are always in the spotlight. They are discussed in the media, attracting the attention of large investors, companies, and corporations. Today, the product behind the name of a cryptocurrency project matters a lot. If there is a development, then it is fair to expect an increase in the price of this coin.

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