Welcome to the September installment of Fin Capital's Monthly Wave. It’s been a busy month for the team and our portfolio companies.

With summer now wound down, we’re reflecting on what’s been an exciting stretch for Fin Capital and our portfolio companies. From new product launches to strategic partnerships, IPOs and M&A, along with continued tailwinds, it was our busiest summer since inception. 

One highlight we’re especially thrilled to share: two of Fin Capital’s portfolio companies are coming together, with Array acquiring MoneyKit! This is a bold leap forward in embedded fintech innovation. Array’s embeddable platform now joins forces with MoneyKit’s trusted, secure financial connectivity infrastructure to deliver the next generation of consumer-first, privacy-forward financial experiences. 

As Array CEO & Founder Martin Toha shared, “Combining their capabilities with Array’s embeddable financial security components unlocks a new era of intelligent, personalized, and privacy-first experiences for millions of consumers.” MoneyKit Co-Founder & CTO Michael Del Monte added that the partnership allows them to scale their mission, bringing powerful, secure tools to even more users and organizations. 

We’re also excited to see that the broader markets are showing renewed signs of life, particularly in the IPO space, where we had two IPOs in June (Circle and Chime), Figure confidentially file on August 4^th, and more to come. We’re encouraged by the momentum we’re seeing and optimistic about what it means for the fintech ecosystem. 

We’ll be back in the coming weeks with more updates, insights, and what’s next on the horizon for Fin Capital and our portfolio. Until then, here’s to closing out summer strong and gearing up for an impactful fall. 

New GTM Navigator! Cap Table Clarity: Getting Real on Valuations

Tune into our latest episode with Fin Capital Chief of Staff, Daria Davydenko, and Pauline Chan, Principal at Pilot, as they dive into the often-overlooked but critical topics of valuation, cap table management, and investor strategy.

We hope this conversation helps you better understand the levers behind valuation and make more informed decisions as you grow your company.

Events

• September 8-10: Finovate Fall 

  • Will you be in NYC for Finovate Fall? We’d love to see you! Reach out to [email protected] to set up a time to connect. 

• October 27-29: Money20/20 

  • We’re excited to invite our portfolio companies & fintech friends to our annual cocktail event during Money20/20 - keep a close eye on your inboxes for an invite! Though space is limited & highly selective, we will do our best to accommodate. We’ll also be hosting meetings in Rosina, come say hi! 

Portfolio News

It’s been a busy month, sharing some of the latest moments from across portfolio…

• Carefull announces partnership with SECU, Maryland’s largest state-chartered credit union, to protect seniors from financial crime.  

• Capstack launches Capstack Pro, an analytics & participation tool for community banks. 

• Congratulations to the companies who made Inc.’s 5000 List, which show cases some of the fastest-growing private companies in America. 

• DailyPay forms a strategic partnership with Workday to bring on-demand pay to millions of workers. 

• Healthee’s CEO & Co-Founder, Guy Benjamin, named in the Top 25 Healthtech Entrepreneurs of New York! 

• MoneyKit announces exciting acquisition by Array, this will enable deeper, secure financial connectivity infrastructure for consumers. 

• Netomi’s CEO & Founder, Puneet Mehta, was featured in Unite AI’s interview series! 

• Pipe chooses Airwallex to power same-day payouts, which will enable small businesses to deliver both same-day & next-day payouts to employees. 

• We're excited to announce we've been shortlisted as the FinTech Partner of the Year by US FinTech Awards! Congratulations to our portfolio companies who have also been announced as finalist with OneVest CEO, Amar Ahluwalia, for Rising Star of the Year & DailyPay as Payments Tech of the Year! 

What We’re Reading

INDUSTRY RESEARCH 

• Talos: The Building Blocks for Institutional Digital Asset Trading (Download E-Book) 

• MIT: The GenAI Divide, State of AI in Business 2025 (Read a Recap Here) 

• Silicon Valley Bank: State of the Markets H2 2025 (Read More) 

BLOGS, PODCASTS AND VIDEOS 

• OnlyCFO’s Newsletter: Are Advisors Worth the Dilution? (Read More) 

• Make Cents: New Value Models, New Playbooks – Tactics AI-First Companies Use to Scale (Read More) 

• Articul8: The Expert Advantage: Domain-specific models outperform General Purpose Models (Read More) 

• Future Nexus: Consulting the crystal ball— which 2025 fintech predictions came true, and what’s in store for the rest of the year? (Read More) 

• GTM in Practice: Should We Offer Pilots? (Read More) 

• The SaaS CFO: AI ARR vs SaaS ARR, How to Define & Calculate (Read More) 

Thanks for reading!

We are grateful for your partnership and support, and welcome any feedback you have. We’ll see you next month with more!

-The Fin Capital team

_Disclaimer

_{This material is provided for informational purposes, and it is not, and may not be relied on in any manner as, legal, tax or investment advice or as an offer to sell or a solicitation of an offer to buy an interest in any fund or investment vehicle managed by Fin Venture Capital Management LLC (“Fin”) or its affiliates. Content obtained from third-party sources, although believed to be reliable, has not been independently verified as to its accuracy or completeness and cannot be guaranteed. Fin has no obligation to update, modify or amend the content of this post nor notify its readers in the event that any information, opinion, projection, forecast or estimate included, changes or subsequently becomes inaccurate.}