Top 45 Hospitality Startup Investors in Mexico (September 2026)

Portfolio highlights

• Addi — Addi provides a digital consumer financing platform that enables customers to purchase products and services in installments without using a traditional credit card. Its mobile application allows users to apply for credit, manage available credit limits, review purchases, make installment payments, and access payment history from a single account.The platform also includes an integrated marketplace where customers can shop from partner merchants across multiple product categories while using approved financing options.
• Astor — Astor is an SEC-registered AI investment advisor that delivers personalized market analysis and investment advice to busy professionals.
• Yuno — A fast checkout that integrates your company to the payments and fraud ecosystem.

Portfolio highlights

• Eos Cyber — Manage AI agent identity from deployment to decommissioning with posture monitoring, ownership tracking, privileged access management, and automated remediation.
• Explore Tech — ExploreTech AI is a mineral exploration technology company that uses artificial intelligence, geophysics, and geological data to discover concealed mineral deposits. Its platform integrates drilling, geochemistry, satellite data, and geophysical modeling to identify high-probability exploration targets and optimize drill locations, helping miningcompanies reduce exploration risk, cost, and discovery time.
• The Biological Computing — Biological Black Box integrates biological neurons with artificial neural networks to develop a living computer.

Portfolio highlights

• Eden — Eden unifies medical imaging operations with clinical AI: PACS, teleradiology, AI-assisted diagnosis and structured reporting, deployed across 2,600+ imaging departments.
• Vulcan — Frontier AI for government, law, and policy | backed by @ycombinator @generalcatalyst @cubitcapital
• Attention — Attention is building an AI co-pilot designed to automate repetitive, multi-app desktop tasks.

Portfolio highlights

• Segura — Construindo super corretores de seguros com acesso, tecnologia e atendimento exclusivo.
• Stacks — Let agents reconcile, analyze, and explain your financial data. You focus on driving outcomes. Book a free assessment.
• Cordant — A single operational picture across every system money moves through. Your team acts on what's happening, not what already happened.

Portfolio highlights

• sevDesk — Deutschlands beliebteste Buchhaltungssoftware: Rechnungen& Angebote erstellen, Buchhaltung erledigen, Kunden- &Lagerverwaltung u.v.m.
• Cambridge Aerospace — Our mission is to eliminate the risk of existential war in Europe.
• Arrakis Technologies — Arrakis partners with ambitious companies to deploy secure AI in production, taking them from experimentation to real-world impact at warp speed.

Portfolio highlights

• XBuild — The AI-powered estimating platform built for contractor sales teams. Generate professional estimates and proposals in minutes. Close deals on site. See team performance in real time. Try free today.
• Eezee — Singapore’s first & largest industrial marketplace that connects local suppliers to corporate clients, leveraging technology to help both parties make informed decisions.The company offers a secure platform for buyers and sellers to transact.Our aim is to improve the efficiency of business to business (B2B) transactions. We do this byensuring that the process of selecting and purchasing your supplies becomes quicker, more convenient and transparent. We support local suppliers in establishing their presence online, enabling them to be discovered by corporate organisations.
• Vammo — Leoparda Electric is a company that manufactures electric motorcycles.

Portfolio highlights

• FFID — FFID develops AI chatbot platform automating customer communication, lead generation, and marketing workflows.
• SprayX — Company specialized in interactive process control to evaluate and guarantee the quality of agricultural spraying with excellence. Empowers, leads and monitors applicators in Application Technology tasks.
• Sandwiche — Sandwiche creates customizable link in bio pages enabling social media monetization and affiliate marketing management.

Portfolio highlights

• Grupalia — Grupalia is a credit company that offers digital loans for micro-entrepreneurs through online process.
• Ábaco — Ábaco is a fintech company that offers financial services with capital, payments & platform solutions.
• Crabi — Full stack, digital car insurance

Portfolio highlights

• HUNTY — HUNTY is a platform that help people find jobs by connecting them with world class mentors who prepare them for the job search process. And people only pay when they get hired.
• Duppla — Duppla operates as a rent-to-own startup focused on providing alternative financing solutions for home buyers in Colombia. It offers a unique approach to homeownership, where traditional debt is not the primary mechanism. Instead, Duppla presents an innovative model that facilitates access to housing through alternative financing methods. Thisapproach is designed to make the dream of owning a home more attainable for individuals and families, particularly in the LATAM region. With a team that includes co-founders and experts with backgrounds in research and strategy from notable companies, Duppla leverages its understanding of organizational context and user experience to tailor its services. The company aims to address the challenges of affordable housing financing, making it easier for customers to navigate the path to homeownership.
• Simetrik — Automate repetitive data reconciliation processes without any coding knowledge

Portfolio highlights

• Castia — Castia is a Latam based proptech. Acasa enables homeowners in Latam to move to a new home in a fast and simple manner, leveraging their current home equity. Then they sell the old home or else they buy it after 6 months.
• Quinio — Quinio is a technology-driven company that acquires and builds outstanding e-commerce brands with high-quality products. It collaborates with entrepreneurs to exponentially grow the brands in its portfolio while maintaining their essence. The company was founded in 2020 and is based in Mexico City, Mexico.
• KUKUN — KUKUN provides rental and hospitality services.

Portfolio highlights

• Primero AI — Primero AI develops a foundational systems-intelligence platform that integrates scattered legacy software, tools, and spreadsheets into a unified enterprise ontology. This semantic data layer captures process knowledge to orchestrate and deploy auditable multi-step AI workflows and custom agents. Their enterprise model allows large organizationsto modernize labor-intensive operations and measure financial outcomes directly on their core systems.
• TravelX — A fully automated product that optimizes airline revenue through the use of dynamic flight swap and seat buyback offers, in order to free up space for last minute, high yield passengers on high demand flights.
• Bia Energy — Bia Energy is a next-generation energy retailer transforming Latin America’s electricity market. By replacing analog meters with smart metering infrastructure, Bia delivers real-time consumption data and a digital platform that helps businesses and households cut costs, optimize usage, and improve sustainability. Backed by Kaszek, 8VC, GlobalFounders Capital, and Nazca, Bia serves leading companies including Starbucks, Coca-Cola, WeWork, Terpel, Falabella, and IKEA. With rapid growth in Colombia and expansion plans into LatAm, Bia is building the digital backbone of energy retail in the region.

Portfolio highlights

• HUNTY — HUNTY is a platform that help people find jobs by connecting them with world class mentors who prepare them for the job search process. And people only pay when they get hired.
• Lastro — Lastro is building Lais, an autonomous AI worker for real estate agencies, starting in Brazil. Our AI agent initially automated lead engagement and qualification via WhatsApp, helping brokerages boost revenue and improve marketing ROI. In each brokerage, Lais acts as a personalized AI “team member” that engages with leads instantly, searches forproperties and answers common inquiries. Brokerages that have Lais in their teams are growing quickly and reporting up to 60% increases in lead conversion rates.
• Odyssey — Discover how Odyssey Energy Solutions unblocks bottlenecks in DRE project development. Access diverse financing, procure equipment efficiently, and remotely monitor system performance. Join over 2000 renewable energy companies that use Odyssey to scale. Get in touch today.

Portfolio highlights

• KUKUN — KUKUN provides rental and hospitality services.

Portfolio highlights

• KUKUN — KUKUN provides rental and hospitality services.

Portfolio highlights

• Braven — Braven turns every submission into a pre-analyzed, traceable decision, and every book into a live, provable view. Built for MGAs and reinsurers that do their own underwriting.
• Crabi — Full stack, digital car insurance
• Bellelli Educación — Bellelli Educación provides an educational services for early childhood.

Portfolio highlights

• Golden — Golden is a developer of a self-constructing knowledge database used to accelerate discovery and education. The company uses and leverages human effort by using machine intelligence to make the process of gathering and communicating knowledge simpler.It combines a powerful search across several entities with fine-grain alerts to stay on top ofchanges, and semi-automatic research assistance for gaps in knowledge that enable people in organizations to stay current, understand and leverage the latest trends in their industry.
• Slingshot AI — Slingshot AI is a mental health research lab building a foundation model for psychology. Our mission is to use AI to make mental health care more accessible, and to help people change their minds and lives the way they want to.
• Maze Therapeutics — Maze Therapeutics is a operator of a biotechnology firm intended to focused on translating genetic insights into new medicines. The company's translating genetic insights into new medicines by utilizing an approach that combines the analysis of large-scale human genetics data, functional genomics and an array of drug discovery approaches.andits also reveals modifier genes that confer protection and provides deeper understanding of the target biology and how these targets can be targeted with drug therapies, enabling patients with protection against diseases.

Portfolio highlights

• Helcim — Helcim is the easy and affordable solution for small and medium businesses accepting payments in-person or online.
• Sharpi — Sharpi offers an AI solution that automates B2B order entry by converting customer messages into structured ERP orders.
• Settle — The smartest way to sell to the government.

Portfolio highlights

• Brekfuz — Brekfuz is an AI startup that builds an intelligent coordination platform called The Human API. The system transforms undocumented human knowledge and digital exhaust into structured endpoints to eliminate information bottlenecks. This allows both human teammates and autonomous AI agents to query institutional memory directly without waiting forhuman availability
• Omen AI — Harness the power of Ai and proprietary sensing to prevent equipment failures.
• PAVE Space — PAVE Space develops in-space transportation and satellite servicing technologies that enable movement and management of payloads across different orbits. The company builds spacecraft systems centered around a kickstage platform that transfers multi-ton payloads from low Earth orbit to target orbits within short timeframes using onboard propulsionsystems. Its core offering focuses on orbital mobility, providing services that bridge the gap between launch vehicles and final satellite deployment by repositioning payloads after initial launch. The platform is designed to integrate with multiple launch providers and supports both rideshare and dedicated missions through compatible interfaces and propulsion technologies.Beyond transportation, PAVE Space develops capabilities for in-orbit operations, including satellite inspection, life extension, docking, and servicing. These functions use a combination of propulsion systems, guidance and control algorithms, and autonomous technologies to manage spacecraft activities and extend satellite usability.

Portfolio highlights

• Odetta — Odetta helps individuals sell and buy used cars. They provide services ranging from certification and promotion to delivery of the car, including its mechanical and legal condition. They sell and buy cars directly from other individuals.
• Parkimovil — We're a platform that smartly manages and processes interactions and payments with different mobility nodes.
• HAMOC — HAMOC uses cutting-edge tech to provide unparalleled Lease Underwriting & Management Services to make our customers feel both supported and relaxed, the HAMOC way .

Portfolio highlights

• Cuéntame — Cuéntame develops tools designed for employees' emotional wellbeing.
• Holacasa — Holacasa te ayuda a conseguir tu hipoteca, comparando +11 bancos. Sin costo ni compromiso.
• Cometa — Cometa provides technological and financial tools to increase access to quality education in Mexico and Latin America. Take off with the most recent developments in school administration. Maintain complete control over your reconciliation, billing, and operations.

Portfolio highlights

• Delara — Delara is a global social traveler platform that artfully combines community, design, hospitality, and programming together to encourage deep connections and exploration. We are the first community driven short term rentals startup globally.
• Jeeves Inc. — Pay for anything, anywhere, in your local currency. No fees. No interest. No personal guarantees. Mobile-first, built with your team in mind.

Portfolio highlights

• Casai — Uncover exclusive holiday home deals on Casai.com. Compare rates from reputable travel platforms to secure the best offer on luxury homes. Your dream getaway is just a booking away.
• Caliza — Give your users access to the digital dollar economy. Get early access!
• Ascend — Ascend is an online payments platform that automates insurance payments end-to-end: from online customer payments and financing to the distribution of commissions and carrier payables.

Portfolio highlights

• Conveo — Capture and analyze human conversations at scale. Get the nuance and context surveys miss, delivered at the speed your team needs.
• Flexport — Cut costs, automate workflows, reliably move goods, go carbon-neutral, and improve your supply chain from end to end. It all starts here.
• Clay — Clay's spreadsheet helps you find, enrich and act on people and company data from any source - without a line of code. Get started for free, today.

Portfolio highlights

• Fillip — Fillip specializes in advancing and rejuvenating iconic and disruptive brands across the sports and entertainment sectors.
• Fillip Fleet — Fillip is a digital fuel and expense management solution that gives businesses full control over vehicle-related spending. Fillip's modern payment platform allows businesses to fuel up anywhere, monitor purchases in real-time, and streamline bookkeeping - making operations more efficient and cost effective.
• Cicada Technologies — Cicada is a fintech company that combines technology, intuitive design, and market expertise to deliver a differentiated and easy-to-use trading solution that transforms how market participants connect and transact.

Portfolio highlights

• micro1 — We help companies hire and manage the best software engineers easily.
• TRIVER — Triver develops online and digital tools to assist and support various financial services. It is based in London, England.
• Skedway — Every work experience should be great! Skedway is the complete platform to optimize the hybrid work experience.

Portfolio highlights

• Naya Homes — Proptech, real estate, vacation and short-term rentals, consumer finance
• Nicer — Nicer transforms the way of travel by connecting travel advisors and well-known brands to discerning travels.
• El Camino Travel — El Camino curates group trips for solo travelers. We empower better travel experiences. Members save $250 on trips.

Portfolio highlights

• Revelo — Scale your development team with the top 1% of 1,000,000+ software engineers in Latin America. Get matched with senior remote developers who have strong technical and English-speaking skills & hire them without the overhead. We handle payroll, taxes, and HR. Flat monthly rate.
• Yummy — Yummy develops a food delivery app that operates across Latin America. The app allows users to order and pay for their orders through their mobile application or website platform and offers different payment methods such as foreign credit cards and cash, that conveniently enable users to enjoy their food at a location of their choice.VicenteZavarce founded Yummy in 2020 and has its headquarters in San Francisco, California, United States.
• Jetty — Jetty is the financial services company for real estate. Our products are designed to improve the financial lives of renters and their property managers.

Portfolio highlights

• Cifrato — Contabiliza, paga, concilia y analiza tus facturas en minutos, sin errores ni trabajo manual.
• Magnar — AI Legaltech Assistant
• Forest — A cleaner, healthier and happier world is possible, one pedal at a time. 10 minutes free, every day, for every user.

Portfolio highlights

• Reservamos — We are a multi-modal booking engine for travel based in Mexico. We cover over 90,000 routes and 3700 destinations. Reservamos is the best way to compare and book buses, flights, and ride sharing options anywhere in Mexico + US with one search.
• Mediasmart — mediasmart Mobile is the first Spanish company focusing on the real time optimization of mobile advertising (both on smartphones and tablets) using its proprietary technology platform.mediasmart Mobile was one of the first movers into the mobile programmatic ecosystem, having launched in Jan 2012. It gives access to global mobile inventory -both in mobile apps and web - from more than twenty seven ad exchanges/SSPs, and it has successfully proven throughout the years that its algorithms can effectively manage big data to deliver results. A proven and scalable technology, currently handling more than 800,000 ad requests per second, mediasmart can be used directly by clients on a self-serve basis or via APIs, and it handles both RTB and programmatic direct buys.Mediasmart has offices in Madrid, London and Paris.
• Giant Swarm — Implement and manage your Kubernetes infrastructure with Giant Swarm. We will guide you along the Kubernetes learning curve. Get your containers in production.

Portfolio highlights

• Saluspot — Daftar akun togel resmi Hondatoto untuk mendapatkan hadiah 4d 10 juta terbesar, mainkan pasaran toto wla terlengkap di situs togel terpercaya Honda toto online.
• Lingokids — Enjoyed by 20M+ families monthly, it offers 4000+ interactive games, songs, and shows loved by kids and trusted by grown-ups around the world.
• Startupxplore — Startupxplore is a premium startup investment platform that allows unexperienced and time-savvy investors to diversify their portfolio by co-investing with a group of top-level investors with a proven track record on startup investment.

Portfolio highlights

• Humera — Humera - AI CAPTCHA That Knows You're Human
• Allonic — Allonic is a robotics hardware company pioneering 3D Tissue Braiding, a new manufacturing platform for producing integrated, compliant, bio-inspired robotic bodies through a single, fully automated production process. By eliminating assembly-heavy designs and supply-chain complexity, Allonic enables significantly faster iteration, lower costs, andsafer, more dexterous robots to be built. Originally founded from Hungary and operating internationally with a US HQ and a growing team of 15, Allonic is building the hardware foundation for the next generation of intelligent machines.
• Heywa Labs — Two products, one engine. Heywa Studio for businesses, Heywa for anyone with a question worth following.

Portfolio highlights

• Catalyx — Catalyx offers end-to-end services, handling every detail, including launch logistics, data reception, licensing, and satellite construction and payload integration.
• Lighter Living — Marjolein Brugman is responsible for bringing the Pilates Method to the mainstream. An accident 10 years ago taught her about the profound benefits of Pilates as she rehabilitated her own hips and watched her life change. Marjolein began her Pilates training in New Mexico, in 1997 and has continued to study and learn about Pilates all over theworld. Her dedication to the understanding of postural health and whole body fitness and her vast teacher training has made her the perfect spokesperson for the Pilates Method. She was instrumental in producing the first educational advertisement about Pilates in 1995 and has spent the last 9 years demonstrating and educating communities, worldwide via workshops and television. Together with Stamina Products, she has developed affordable Pilates equipment with training videos for home use. The recent launch of her Basic AeroPilates® Reformer training through SCW has been received with great enthusiasm by the fitness industry.
• Dragon Innovation — We help companies who are launching complex products to strategize and execute their manufacturing from prototype through ongoing production

Portfolio highlights

• Tixr — More than ticketing. An experiential commerce partner leveraging unique technology to redefine the fan experience and evolve the way large-scale event creators do business.
• Vend Park — Unlock the true value of your parking asset with a fully digital parking access and revenue control system
• MarginEdge — Only restaurant management software to combine automating restaurant invoicing with inventory, recipes, budgeting. Simple and intuitive, reduce invoice processing time by over 90% with automated payable processing. Request a demo!

Portfolio highlights

• Caliza — Give your users access to the digital dollar economy. Get early access!
• Flyway — Owning a pied-à-terre in a city you regularly visit is unnecessarily difficult. You end up wasting money on rentals and hotels, since buying a whole property is simply not affordable. We created Flyway to change that.You can now co-own a second home, in your favorite city, at a fraction of the price.A share of 1/12 gives you up to 30 daysof stay annually in your city home. Want more? You can buy more shares! You own the asset, not a block of time. Flyway deals with all the hassle of ownership, so that you simply land and enjoy your city getaway.HOW WE DO IT BEHIND THE SCENESWe identify top-notch properties, in top locations that we can supercharge with smart features. We then set up an LTD (Limited Liability Company) that acquires the property. That LTD is split into 12 equal shares, and each share costs 1/12 of the total house price. A buyer can buy up to half of the property (6 shares). WHAT YOU GETYou get ownership of a second home suited to your budget and needs. Whether you use it for leisure, work or you simply believe in the property’s potential as an investment, you have the rights to the asset. You can use and resell your share when you want. Meanwhile, you get to enjoy upscale, smart living in very prime properties, downtown, without any of the headaches of maintenance, cleaning and bill handling. Flyway acts as the Property Manager, taking all the hassle of ownership away from you, so that you simply land and enjoy your home.
• Muni Tienda — Muni Tienda is the first community group buying platform in Latin America, the system aims to provide convenience and savings to the region's middle class households.

Portfolio highlights

• Naya Homes — Proptech, real estate, vacation and short-term rentals, consumer finance
• SparkPlug — Award-winning platform specializing in sales gamification for retailers, brands, and restaurants.
• Journey Clinical — Journey Clinical is a platform that provides services to member psychotherapy practices that are independently owned and operated, and in no way owns, directs, or controls the mental healthcare clinicians providing care.

Portfolio highlights

• Mutuus — Mutuus is the first digital healthcare membership in Mexico, offering comprehensive end-to-end healthcare services through a user-friendly platform that includes free services, discounts, and full coverage to safeguard the health and wealth of our members.
• Belo — Crypto for everyone, everyday
• Infinia — Infinia is a platform that assists the company's clients in managing transfer charges. Allowing you to charge using this method, check each transaction without accessing sensitive information from the accounts that connect to our service, and reconcile all payments in one spot. Integrate your e-commerce applications and platforms withInfinia's open banking platform to facilitate product and service payment without intermediaries and in a secure manner.

Portfolio highlights

• Finloup — Finloup offers technology leasing services to businesses and individuals, powered by Open Banking.
• Clara — End-to-end spend management for companies in Latin America.
• Clara — Clara is a spending management platform for companies in Latin America. Their end-to-end solution includes their locally-issued corporate cards, Bill Pay, financing solutions, and their software platform used by companies across the region.The platform includes features like AI-driven insights to identify cost-saving opportunities, such asdetecting duplicate subscriptions and monitoring spending patterns. This functionality aims to enhance financial decision-making and operational efficiency for its users.

Portfolio highlights

• Nudos — B2B platform that enables companies to manage the equipping of hybrid workers distributed over the world. From the Onboarding (devices procurement anywhere) to the offboarding (recovery and storaged of devices), and everything in between. The company was founded in 2022 and headquartered in Mexico City , Mexico.
• Ebombo — Somos la empresa de organizacion de eventos corporativos en Mexico y Peru. Conferencias, team building, lanzamientos y mas. Cotiza tu evento hoy!
• Lineup — Lineup is a lead scoring SaaS for growth teams.

Portfolio highlights

• Caliza — Give your users access to the digital dollar economy. Get early access!
• Kocomo — Kocomo is an early-stage proptech startup, backed by leading U.S., European, and Latin American investors. Leveraging the power of technology, Kocomo has created a transparent vertically-integrated solution that empowers people to purchase, enjoy, and sell co-ownership stakes in luxury homes, starting in Mexico. At Kocomo, we believe your memoriesdeserve a home. We are on a mission to make the dream of vacation home ownership an attainable reality for more people around the world.
• Filo — Filo, Edtech, transactional learning model by online tutors available for students in less than 60 seconds. https://play.google.com/store/apps/details?id=com.filo.student&hl=en&gl=US

Portfolio highlights

• TripWip — TripWip's vision is to lead the carsharing business in Latin America. It is thrilled to be driving this unique business model in the region and is dedicated to transforming people's mobility.
• GoodSAM — We make products that are good for you, fair for farmers, & good for the planet!
• Ábaco — Ábaco is a fintech company that offers financial services with capital, payments & platform solutions.

Portfolio highlights

• Radiant — Clean. Portable. Safe. Energy
• Apex — Apex manufactures ESPA-class satellites, ranging from 40 to 400kg. Our first spacecraft bus platform, Aries, is built for LEO missions for earth observation, communications, and more. Configure the Aries bus to meet your specific mission profile.
• Socket — Socket fights vulnerabilities and provides visibility, defense-in-depth, and proactive supply chain protection for JavaScript, Python, and Go dependencies.

Portfolio highlights

• Xepelin — Xepelin is a fintech company that offers a SaaS platform for small and medium-sized businesses in Latin America that can organize their financial information in real-time. It seeks to simplify access to capital for its clients by creating a Simple, Fast, and Safe experience. The company was founded in 2019 and is based in Las Condes, Chile.
• Fairplay — Fairplay is a performance-based financing platform that supports and helps e-Commerce companies to grow by advancing revenue for marketing spend. It offers funding in exchange for a steady share of revenues until the capital is paid back plus a flat fee. Fairplay was founded in 2019 and is headquartered in Mexico City.
• Vest — Vest is an app-based brokerage that wants to provide Latin American savers with access to American assets that are differentiated by product, pricing, and content. Latin Americans are known for saving, but many prefer to do so in cash or in zero-interest savings accounts.

Portfolio highlights

• NAVIGATE — Navigate helps leaders turn strategy into action, redesign organizations, and improve employee and customer experience with practical consulting.
• KMX Technologies — KMX has changed how critical minerals and lithium are secured, and provides next generation water treatment opportunities.
• Endpoint Health — Endpoint Health is a precision-first therapeutics company. By rewriting the molecule-first drug development model, we aim to deliver precision therapies that have the potential to improve outcomes for patients with immune-driven illnesses.

Portfolio highlights

• David — 28g protein. 150 calories. 0g sugar. More protein and fewer calories help you increase muscle and decrease body fat. ~50% more protein per calorie (CFP) than any bar.
• Genius AI — Building technology to help service businesses run themselves
• Alec's Ice Cream — Alec's Ice Cream is a frozen food manufacturing company that offers organic, creamy, and delicious ice creams. The company was founded in 2018 and is based in Petaluma, California.

Portfolio highlights

• Nowports — Nowports is a digital freight forwarder that helps companies improve the import process. It serves as a platform through which companies and individuals can manage their imports and exports in real-time. The company uses AI to make the import process easy, secure, and transparent. The platform allows users to request a quote, register the productsand providers that the company mostly uses, and book shipments from any port.
• Stark Bank — Stark Bank is a corporate bank in Brazil
• Stark Bank — Stark Bank is a smart bank account that aids a technological advancement of a company. It is a financial technology that allows companies to expand their operations by allowing them to make extra transfers, payments, and charges.