Finance

Top FinTech Startups to Watch in 2024

Published

1 year ago

October 24, 2024

Harry Williams

The FinTech (Financial Technology) sector is transforming the way we handle money, invest, and manage our financial lives. As we head into 2024, numerous startups are leading the charge, offering innovative solutions that challenge traditional financial systems. From payment processing to blockchain, lending, and digital banking, these startups are reshaping the future of finance. In this article, we will explore some of the top FinTech startups to watch in 2024 and the groundbreaking innovations they bring to the table.

What is FinTech?

FinTech refers to the integration of technology into financial services, making them more accessible, efficient, and affordable. These innovations range from mobile payment apps and cryptocurrency platforms to digital banking, investment tools, and insurance services. By leveraging technologies like artificial intelligence (AI), blockchain, and big data, FinTech companies aim to improve and automate financial services, creating a more seamless experience for users.

Why FinTech Startups Matter in 2024

FinTech startups are crucial in driving the next wave of innovation in finance. They disrupt traditional financial institutions by offering faster, cheaper, and more efficient alternatives. The digital transformation of finance is now more crucial than ever, and startups are the primary drivers of change in this space. In 2024, FinTech startups are expected to continue growing, attracting more investors, and creating new financial products for consumers and businesses.

Top FinTech Startups to Watch in 2024

1. Plaid

Plaid is a FinTech platform that allows applications to connect with users’ bank accounts. Founded in 2013, Plaid plays a significant role in financial data integration and is widely used by apps like Venmo, Robinhood, and Coinbase. In 2024, Plaid is expected to continue expanding its service offerings and partnerships, cementing its role as a key player in the FinTech ecosystem.

2. Chime

Chime is an online bank that provides fee-free banking services, including checking accounts, savings accounts, and debit cards. Chime’s appeal lies in its simplicity and accessibility, making banking more user-friendly for those who prefer digital services. As traditional banks struggle to meet the demands of modern consumers, Chime’s growth will likely accelerate in 2024.

3. Revolut

Revolut, a UK-based FinTech company, has rapidly gained a global customer base due to its wide range of financial products. It offers banking, crypto trading, stock investing, and foreign exchange services—all through one app. With plans for aggressive global expansion and the addition of more financial products, Revolut is poised to make big moves in 2024.

4. Stripe

Stripe is one of the world’s largest online payment processors, supporting businesses in accepting payments online. The company’s advanced APIs make it a go-to solution for developers looking to integrate payment systems into their platforms. With more e-commerce and subscription-based businesses emerging, Stripe’s relevance is only expected to grow in 2024.

5. Brex

Brex provides credit cards and cash management accounts specifically designed for startups. Unlike traditional credit cards, Brex evaluates a company’s spending patterns and growth to determine creditworthiness, making it easier for startups to access financial services. As more startups emerge and seek flexible financing solutions, Brex will continue to be a leader in 2024.

6. Nubank

Nubank is a Brazilian digital bank and one of the largest FinTech companies in Latin America. It offers a wide range of financial products, including credit cards, personal loans, and investments, all through its mobile app. Nubank’s rapid growth and expansion into new markets make it a startup to watch closely in 2024, particularly as it aims to break into the North American market.

7. Wise

Wise (formerly known as TransferWise) is a UK-based company specializing in low-cost international money transfers. Wise has revolutionized the remittance market by offering much lower fees than traditional banks and remittance services. In 2024, Wise is expected to broaden its offerings, potentially moving into more banking services.

8. Zopa

Zopa is a UK-based digital bank that initially started as a peer-to-peer lending platform. It now offers a range of banking services, including personal loans, credit cards, and savings accounts. Zopa’s user-friendly interface and competitive interest rates make it a FinTech company to watch in 2024.

9. Robinhood

Robinhood gained fame by democratizing investing with its commission-free trading app. Although it has faced regulatory scrutiny, the company continues to grow and expand its services, including cryptocurrency trading and a cash management account. Robinhood’s push to make investing accessible to everyday people ensures its continued relevance in 2024.

10. Affirm

Affirm is a FinTech company specializing in Buy Now, Pay Later (BNPL) solutions. With consumers increasingly looking for alternative ways to finance purchases, Affirm’s flexible payment options have gained popularity. In 2024, as BNPL continues to grow in retail and e-commerce, Affirm is likely to see even more expansion.

Key Innovations Driving FinTech Growth

1. Blockchain Technology

Many FinTech startups leverage blockchain for secure and transparent transactions, particularly in areas like payments, lending, and cryptocurrency trading. This decentralized technology allows startups to offer services that are faster and more secure than traditional financial systems.

2. Artificial Intelligence and Machine Learning

AI and machine learning are key technologies used to analyze massive amounts of data, automate processes, and offer personalized financial services. Startups that implement AI-driven solutions, especially in fraud detection, customer service, and investment management, are gaining a competitive edge.

3. Digital Banking

Traditional banks have been slow to adapt to the digital world. FinTech startups are filling this gap by offering fully digital banking solutions that cater to modern consumers who prefer online and mobile financial services. These startups focus on providing a seamless user experience, lower fees, and greater convenience.

4. Open Banking

Open banking allows FinTech companies to access banking data via APIs (with the customer’s consent) to provide enhanced services. Startups are using this technology to offer better insights into personal finance, faster loan approvals, and more accurate credit scoring systems.

Analysis of FinTech Startups: Key Trends for 2024

Trend	Description	Example Startups
Digital-Only Banks	FinTech startups are offering fully digital banking services, often without fees and with high accessibility.	Chime, Nubank, Zopa
Blockchain and Cryptocurrency	Blockchain-based startups are revolutionizing payments, lending, and crypto trading.	Wise, Revolut, Plaid
AI-Driven Financial Services	Artificial Intelligence is being used for personalized finance, fraud detection, and automated investing.	Affirm, Brex, Robinhood
Cross-Border Payments	Companies focusing on international money transfers are disrupting traditional remittance services.	Wise, Revolut
Buy Now, Pay Later (BNPL)	BNPL is a growing trend, offering flexible financing options to consumers, especially in retail and e-commerce.	Affirm

Comparative Analysis of FinTech Startups 2024

Startup	Core Offering	Unique Feature	Geographic Focus
Plaid	Financial data integration	Extensive partnerships with top FinTech apps	Global
Chime	Digital banking services	Fee-free, user-friendly digital banking	US
Revolut	Banking, cryptocurrency, stock investing	All-in-one financial app with global reach	Global
Stripe	Online payment processing	Developer-friendly APIs	Global
Brex	Credit cards for startups	Tailored financial services for startups	US
Nubank	Digital banking services	Dominates the Latin American market	Latin America, expanding
Wise	International money transfers	Low-cost, transparent fees	Global
Zopa	Personal loans, credit cards, savings	Competitive interest rates	UK
Robinhood	Commission-free trading	Democratizes investing for retail investors	US, expanding globally
Affirm	Buy Now, Pay Later	Flexible payment options	US

Conclusion

The FinTech industry in 2024 will be marked by rapid innovation and growth. Startups in this space are creating solutions that meet the demands of a digital-first world, offering more accessible, user-friendly, and cost-effective financial products. Whether through digital banking, AI-driven financial tools, or blockchain technology, these startups are shaping the future of finance.

As we move forward, keeping an eye on these top FinTech startups will provide valuable insight into the trends and technologies that will define the financial landscape of the future.

Author

Harry Williams

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Business

RBI Gold Loan Guidelines 2025: What Borrowers Must Know

Published

4 days ago

November 21, 2025

ishasingh1699

Reviewed
By Elena Avery

Introduction

Gold Loans continue to be one of the most accessible credit options in India. With their quick processing and security-backed nature, they’ve helped millions manage short-term financial needs. In 2025, the Reserve Bank of India (RBI) introduced a revised set of Gold Loan guidelines to improve transparency, borrower protection, and uniformity in lending practices. These updates are particularly relevant for anyone considering a Gold Loan, whether for personal emergencies, minor business requirements, or planned expenses.

Understanding RBI’s Tiered LTV Policy

RBI now follows a tiered loan-to-value (LTV) ratio based on the total loan amount. The LTV ratio indicates the percentage of the gold’s value that can be sanctioned as a loan. As per the latest framework:

Loans up to ₹2.5 Lakh: Maximum LTV capped at 85%
Loans between ₹2.5–₹5 Lakh: Maximum LTV capped at 80%
Loans above ₹5 Lakh: LTV restricted to 75%

This change encourages responsible lending and ensures that smaller borrowers can access slightly higher loan amounts relative to the value of gold pledged.

Assessment of Borrower Creditworthiness

While smaller loans up to ₹2.5 Lakh may be offered without detailed credit appraisals, any loan amount exceeding this threshold requires a thorough credit assessment of the borrower’s repayment capacity. This step protects financial institutions and borrowers alike by aligning loan disbursements with the borrower’s ability to repay. Loan renewals or top-up loans can only be sanctioned following such credit assessments and must remain within permissible LTV limits. Bullet repayment loans may only be renewed after accrued interest has been paid.

Valuation and Purity Checks

RBI mandates a standardised process for assaying the gold pledged as collateral. The valuation of the pledged metal must be based solely on its intrinsic value without including stones, gems, or other embellishments. The price used to assess the value of the collateral should reflect its actual purity (caratage). This value must be based on the lower of either the average closing price over the past 30 days or the closing price from the previous day. These prices should be sourced from either the India Bullion and Jewellers Association Ltd. (IBJA) or a commodity exchange regulated by the Securities and Exchange Board of India (SEBI).

If prices for a specific purity are unavailable, valuation should be adjusted proportionately based on the nearest available purity. The assaying procedure and valuation methodology must be consistent across all branches of a lender, and borrowers must be present during assaying. Deductions related to non-metallic components, such as stones or lac, should be explained and documented in a certificate issued to the borrower. The lender is required to issue this certificate in duplicate, one for its records and one for the borrower’s acknowledgement.

Ownership Documentation and Anti-Money Laundering Measures

Lenders are required to ascertain that the ownership of the pledged collateral is not doubtful. Where ownership documents such as purchase bills are unavailable, lenders should obtain a declaration from the borrower affirming rightful ownership. Further, multiple or frequent loans granted to a single borrower aggregating beyond a certain threshold must be closely monitored under anti-money laundering (AML) regulations to prevent misuse or fraud.

Restrictions on Collateral Use and Loan Tenure

The RBI prohibits lending against primary gold, such as financial assets backed by gold ETFs or mutual funds. Collateral that has been pledged to a lender must not be repledged or used to secure loans from other institutions. Additionally, the tenure of consumption loans structured as bullet repayments is capped at 12 months, though renewals are permissible by appropriate regulations.

Collateral Limits for Ornaments and Coins

To mitigate risks linked to collateral management, the maximum aggregate weight of gold ornaments pledged by a borrower should not exceed 1 kilogram. Similarly, limits apply to coins: 50 grams for gold coins.

Settlement, Auction Procedures, and Borrower Protection

Upon full repayment or settlement, lenders must release the pledged collateral within seven working days immediate release on the same day is encouraged wherever possible. Before auctioning pledged items due to non-repayment, lenders are required to notify borrowers or legal heirs, allowing a reasonable time for settlement. Auctions must be conducted transparently with adequate public notice, including advertisements in a regional language newspaper and a national daily. The collateral’s reserve price at auction must not fall below 90% of its current value, except after two failed auctions, where it may be reduced to 85%.

In instances of collateral loss, damage, or discrepancies observed during audits or returns, lenders are mandated to compensate borrowers or their legal heirs promptly. Moreover, if collateral release is delayed due to the lender’s reasons, compensation at the rate of ₹5,000 per day of delay must be made.

Lender Obligations and Disclosure

Loan agreements must comprehensively describe collateral, auction procedures, borrower rights for settlement, timelines for releasing collateral, and applicable charges related to assaying or auctioning. Communication must be provided in the borrower’s regional or preferred language. Lenders must also maintain proper infrastructure and security protocols to store collateral safely and restrict handling to authorised personnel. Periodic internal audits, surprise verification of pledged items, and regular reporting to supervisory boards on unclaimed collateral are essential components of compliance.

Ensuring Borrowers Benefit from Competitive Gold Loan Rates

For borrowers, obtaining the lowest Gold Loan rate requires careful attention to lender policies, transparency in valuation, and adherence to prescribed limits. A practical approach includes using an interest calculator for a Gold Loan to estimate monthly repayments and total interest payable based on the loan amount, LTV ratio, and tenure. This tool helps borrowers compare offers across lenders and choose the most economical option while ensuring loan terms comply with RBI regulations.

Conclusion

The RBI’s updated gold loan guidelines for 2025 contribute to a regulated, transparent, and secure credit system for pledged gold collateral. By setting clear limits on LTV ratios, collateral valuation, borrower assessment, equitable auction processes, and borrower protection measures. The Reserve Bank promotes trust and stability in gold-backed lending. Borrowers are advised to understand these provisions fully and utilise tools such as the interest calculator for a Gold Loan to make prudent borrowing decisions. Adhering to the RBI’s framework will help borrowers secure the lowest Gold Loan rate while protecting their interests throughout the loan lifecycle.

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ishasingh1699

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Finance

FAQs List of Coinbase Support SERVICE (24/7 Talk)

Published

4 days ago

November 21, 2025

coinbasetollfree

Reviewed
By Lucy Coll

Coinbase-Customer-Service-Support-by-Phone-1858-765-8486

Introduction

In the event that one encounters difficulties with their Coinbase account be it transactional anomalies, access impediments, or concerns regarding digital security it becomes imperative to ascertain the proper channels through which support may be expeditiously solicited. Coinbase affords users a multiplicity of remedial avenues, encompassing a continuous, 24-hour telephonic assistance service.

A recurrent query among users pertains to the operational mechanics of this support, the optimal junctures for engagement, and the anticipated procedural outcomes. This compendium of frequently asked questions endeavors to furnish lucid elucidations to the most prevalent inquiries surrounding Coinbase’s customer service apparatus. Regardless of whether one is a neophyte to the cryptographic domain or a seasoned practitioner, this guide is designed to facilitate the acquisition of assistance with both alacrity and security.

Frequently Asked Questions (FAQs) About Coinbase Support Service (24/7 Talk)

Q1. What Is Coinbase’s 24/7 Talk Support?

Coinbase’s 24/7 talk support allows users to call a support agent at any time, day or night. This means if you have trouble with your account, a payment, or need help with security, you can reach a live person who can guide you through the issue. This service is useful for urgent matters that cannot wait for email or chat replies.

Q2. How Do I Reach Coinbase Support by Phone?

To call Coinbase support, you usually go through the Help Center on the Cryptocurrency exchange

website. There, you may find an option to “Request a Call” if phone support is available for your account and region. Once you click that, Coinbase arranges a support agent to call you back. This method ensures you are reaching the real support team and not giving your number to a random person.

Q3. Is the Coinbase 24/7 Number the Same for Everyone?

No, it may not be the same for every user. The number or call-back method you get depends on:

Your geographic location
Your account type (regular user, Coinbase Pro, Coinbase One)
The type of issue you raise
Because of this, Cryptocurrency exchange often uses dynamic call‑back options rather than listing a single global number for all users.

Q4. Is There a Direct Public Phone Number Listed for Coinbase 24/7 Support?

Coinbase no longer widely publishes a fixed public phone number for all customer service calls. Instead, it prefers users to go through its Help Center to request a call. This helps reduce fraud risk and ensures users connect with genuine support agents. Be careful of unofficial numbers circulating online, as they may be scams.

Q5. How Do I Request a Support Call Back From Coinbase?

To request a call back:

Go to Coinbase Help Center while logged into your account.
Find the category that matches your problem (for example, account issues, security, transactions).
Click on “Contact Us” or “Get Help.”
Select “Request a Call” if available for your issue.
Provide your phone number and submit the request.

Coinbase support will then call you back, usually within a short time.

Q6. Do I Need to Pay for Coinbase 24/7 Support Calls?

No, Coinbase does not charge users for support calls. The call-back service is part of its customer support, and legitimate calls from Coinbase support agents are free. But you should always make sure you are calling or receiving calls from the correct source to avoid fraudulent calls that may try to scam you.

Q7. What Kind of Issues Can Be Handled Over a 24/7 Call?

You can get help for many different issues:

Account access or login problems
Identity verification or KYC issues
Payment or deposit problems
Withdrawal delays or errors
Security concerns, like 2FA or phishing
Transaction status checks
Any urgent or complicated issue that needs live assistance

Some very technical questions might be escalated, but a 24/7 agent can help guide you or pass the case on as needed.

Q8. Is 24/7 Support Available for All Coinbase Users?

Not necessarily. While Coinbase does offer 24/7 support in many places, it depends on:

Your country or region
Your user level (some features may be limited for free or new accounts)
The type of support plan you have (for example, Coinbase One or premium users may get faster service)

Always check in the Help Center to confirm whether 24/7 call-back is offered for your account.

Q9. How Can I Prepare Before the Support Call?

Preparing well can make the call faster and more effective. Here are some tips:

Write down your issue clearly (what happened, when, and how)
Have your Coinbase-registered email or phone ready
Note any transaction IDs, transaction dates, or screenshots if you can
Keep your device nearby in case you need to log in or share information
Never share your password, private keys, or one-time codes

Being ready helps you get a helpful response faster.

Q10. How Long Does It Usually Take for the Support Agent to Call Back?

The wait time for a callback can vary based on how many users are asking for help, where you are, and what kind of problem you have. In many cases, you may get a return call within minutes or up to a few hours. For urgent or high-severity cases, the response tends to be faster.

Q11. What Should I Do If the Agent Asks for My Password or Private Key?

You should never share sensitive data like your password, private keys, or wallet seed phrase. Real Coinbase support agents will never ask for this kind of personal or security information. If anyone asks for these details, it is a red flag for fraud. Politely end the call and report the number or incident to Coinbase directly via their official help portal.

Q12. Can I Use 24/7 Support for Fraud or Scam Reports?

Yes. If you believe you are being targeted by a scam or if your account has been compromised, contacting Coinbase support via the call-back option is one of the best steps to take. A support agent can help you secure your account, pause transactions, or escalate the matter to Coinbase’s security team.

Conclusion

Coinbase’s 24/7 talk support is a vital lifeline for users who need help with urgent account issues, security concerns, or transaction problems. By understanding how the call-back system works, preparing in advance, and recognizing genuine agents, you can get the help you need quickly and safely. Remember never to share passwords or private keys, and always use Coinbase’s official Help Center to start the support process. With the right approach, you can navigate issues with confidence and make full use of Coinbase’s round‑the‑clock service.

Author

coinbasetollfree

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Finance

Full List of Coinbase Help Desk Number USA Numbers

Published

4 days ago

November 21, 2025

coinbasetollfree

Reviewed
By Mila Parker

Introduction

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