This Week in Fintech

Excited to share that OneAM has raised $4.7 million in seed funding, led by TTV Capital with participation from Correlation Ventures, ThirdStream Partners, and early private investors. In the U.S. alone, over $4 trillion in receivables sit locked up on suppliers’ balance sheets — capital that could be fueling growth for small and midsize businesses. We built OneAM to change that. Our platform applies AI-driven risk modeling and quantitative pricing to transform invoices into a standardized, investable asset class — unlocking faster liquidity for suppliers and a new opportunity set for institutional investors. This funding enables us to expand our analytics and risk capabilities and extend the reach of our early-pay solution across industries where capital efficiency matters most. Huge thanks to Gardiner Garrard and TTV Capital for leading the round, and to Mary Ann Azevedo and This Week in Fintech for featuring our story and spotlighting fintech innovation. Press Release: https://lnkd.in/e5e_NcSM Our Origin Story: https://lnkd.in/eUNKxuxF TWIF: https://lnkd.in/eqn89bht

52x growth in one year. $20 billion+ in annualized trades. David Dindi's startup recently raised $30 million to bring investing infrastructure to the apps millions already use daily. What started as a conversation from a frustrated Stanford grad has become the backbone of embedded investing. Here is his journey: 🎓 Stanford University - BSc Chemical Engineering, MSc Chemical & Computational Engineering ➡️ 2013: Quantitative Analyst at EB Portfolio Management ➡️ 2014: Analyst at Makena Capital Management, LLC ➡️ 2015: AI Researcher at Stanford University School of Medicine ➡️ 2016: Co-founded Clariful Health ➡️ 2020: Co-founded Atomic Invest with Emma Marriott & Marco Alban-Hidalgo → Y Combinator ➡️ 2021: $25M Series A led by QED Investors & Anthemis Group ➡️ 2025: → 52x growth in end-investor accounts over the past year, processing $20+ billion annualized trading volume → $30M growth round led by Aquiline and Brewer Lane Ventures → His platform powers investing for NerdWallet (consumer finance), Yieldstreet (private markets), Bluevine (business banking), One Nevada Credit Union Atomic’s Model? While traditional brokerages built walls, Atomic built bridges. Their API first infrastructure allows companies, from credit unions to neobanks, to launch sophisticated investing experiences in weeks, not months. From automated investing to self-directed trading, Atomic is making wealth-building accessible to every single human being. His business philosophy: 💡 "Many of us are where we are today as a byproduct of astronomical odds. The sacrifices our parents made, the support of friends & champions. Not everyone has those same opportunities, and typically what stands in the way is financial circumstance." 💡 "We want to eliminate financial circumstance from the equation of success, to make it easy for everyone to start planning for their future." 💡 "When you think about democratizing access to building wealth, it's about providing the infrastructure so that anyone from a small bank to a large fintech can let end users engage in investing." What’s next? With $100 trillion in global wealth management still locked behind outdated infrastructure, David’s mission is only getting started. Atomic Invest is scaling faster than most people predicted, embedding investing into everyday apps so that wealth building becomes as common as opening a checking account. Born in Nairobi, raised in Vienna, building in USA, David’s journey proves that financial opportunity shouldn’t depend on where you’re born. As he puts it: 💭 “We want to eliminate financial circumstance from the equation of success, and make it easy for everyone to start planning for their future.” Who should I feature next? #Fintech #EmbeddedInvesting #YCombinator #WealthTech #Founder

We save our best for Money20/20. Next week, I'll sit down with one of AI's most central figures - Bret Taylor - to unpack this unique moment in human history. Bret is the CEO & Co-founder of Sierra, Chairman of the Board at OpenAI, former Co-CEO of Salesforce, and former CTO of Facebook. His fingerprints are all over tech history, famously building Google Maps and Facebook's 'Like' button. There may not be anyone today closer to AI, spanning the app layer all the way down to its core foundations. We'll cover Sierra's rapid rise, outcome-based pricing, FDEs, what moats remain, software's death (rebirth?), OpenAI's future, landmark partnerships with fintechs, and much more. Join us live on Tuesday at 11:15am at the MoneyPot. See you there. This Week in Fintech Nik Dennis Rachel

What if the next big wave in fintech isn’t a new app, but the financial infrastructure powering SaaS platforms themselves? Nik Milanović sits down with Natalie Moreno Wexler, VP Platform Offering Strategy at Adyen, and Jamey Kennedy, Payments Manager at Jackrabbit Technologies, to explore how embedded finance is transforming small business growth. They unpack how SaaS platforms are using embedded lending and capital products to diversify revenue streams, improve customer experiences, and unlock a $185 billion market opportunity. The conversation also dives into how AI and stablecoins could shape the next phase of payments innovation. Catch the full conversation here: https://lnkd.in/dcBshkHu

From fundraises to exits and new partnerships, here’s what’s been happening across MENA this week: Saudi’s Tabby | تابي will deploy NVIDIA HGX systems to locally train its own AI models, a big step toward in-region AI infrastructure. ARP Digital and BBK (Bank of Bahrain and Kuwait) introduced regulated stablecoin settlement for real-time cross-border transactions. Bybit, Wise, and Crypto.com all secured UAE licenses under new virtual asset frameworks. Ripple partnered with Bahrain Fintech Bay to expand the Kingdom’s digital asset ecosystem. PayDay Takaful raised an undisclosed pre-seed round at a $3m valuation to scale its inclusive financial wellness platform across North Africa. Read Maria Najjar's full MENA roundup here: https://lnkd.in/diySzacz

Thank you to everyone who joined us for our first ever Fintech Breakfast in Austin! It’s always great to bring the fintech community together over coffee and pastries. Big thanks to our partner, SVB. See you at the next one!

We’re excited to be hosting an evening at La Cave with Comerica Bank and VLP Law Group LLP during Money20/20. Created by legendary restaurateur Michael Morton, La Cave Wine Bar at The Wynn Las Vegas sets the stage for an evening of informal networking with fintech VCs, executives, and ecosystem partners. Allysun Fleming, Kevin Urban, Grant C. Simon and Robert Yates from Comerica Bank, along with Denise Zack from VLP Law Group, will be in attendance, raising a glass to fintech collaboration and community. See you there!

Excited to be moderating today’s panel at the Financial Women's Association Annual Summit, featuring a great lineup: 🔹 Siran Cao (Mirza) 🔹 Brinda Ganguly (NYC Economic Development Corporation) 🔹 Tanya Van Court (Goalsetter) 🔹 Tahira Dosani (ResilienceVC) Looking forward to the conversation!

“The future of open banking is inevitable, but the model has to evolve.” Georgina Merhom, founder of SOLO, talks to Nik Milanović about why the current approach to open banking can’t rely on one-off deals between the biggest players. She reflects on how far the industry has come, acknowledging the infrastructure pioneers who made today’s progress possible, and explains why it’s time to bring more stakeholders into the fold to build a model that lasts. This conversation goes beyond open banking as Georgina shares her journey from cybersecurity to fintech, how decentralized data sharing can reshape financial services, and why trust and incentives are essential to move the industry forward. Catch the full conversation here: https://lnkd.in/dTjUQXW5