With the rapid evolution of cloud computing, startups are popping up to solve problems that people tend to overlook. And this is emerging in the fintech industry as well. By the end of 2025, Allied Market Research projects that the fintech sector will have grown by $124.3 billion, compounded annually at a pace of 23.84%.
With an increasing number of consumers and businesses opting for digital transactions, fintech startups are now leveraging the power of cloud computing to serve these markets and achieve speed, reliability, and security. And in this increasingly competitive industry, six startups are making their mark with their cloud-based solutions.
Exberry
Exberry has seen the need for businesses to build, launch, pivot, break ground, and scale digital exchanges and marketplaces quickly and easily. And the company addresses this need through its cloud-based SaaS solution. Because time-to-market is a key component of success for companies, Exberry’s proprietary turnkey solution, Nebula, allows companies to instantly launch their securities exchange and marketplace for any asset without having to code.
They also have a matching and trading exchange as a service feature which makes matching and price discovery possible for any asset. And finally, they partnered with Digital Asset and Baymarkets to develop Exchange in a Box, which is their exchange infrastructure with central counterparty clearing functionality. Because of these innovations, Exberry is paving the way for the easy building of digital asset exchanges and marketplaces.
Billte
Billte makes digital invoicing possible through its invoice management platform. Using this technology, unstructured invoices can be transformed into e-bills and QR-coded bills. Founded in Switzerland, the company digitizes the entire billing process so that companies can concentrate on their core business.
Through their platform, companies can deliver their invoices through multiple channels—such as SMS and email—automatically send out reminders, and generate real-time reports. But more than this, it tracks partial payments in different currencies, improving efficiency and liquidity for small and medium enterprises (SMEs).
Form3
Form3 creates payment platforms for clients. It has an end-to-end managed payments service for banks and regulated fintech companies, and they work on delivering the entire payment processing, clearing, and settlement process through an API, or application programming interface. Working with companies like Goldman Sachs, Barclays, and Mastercard, their cloud-native payment technology enables banks and fast-growing Fintechs to accelerate their digital transformation and scale quickly across markets.
Ultimately, Form3 works to become the world’s most trusted provider of payment technology, which is made possible through their 3-tiered approach: (1) reduce the burden of managing costly, evolving, and critical payment infrastructure, (2) leverage technology innovation, and (3) increase geographic reach.
Sysnik
Sysnik understands that implementing any new IT automation project can be a capital-intensive proposition, this is why it works to support companies through the implementation process, making it an affordable one and ensuring that companies’ IT systems become an investment with a high ROI rather than an overhead.
The company does this through its solutions: (1) Sys-Core, in which Sysnik creates modules, workflows, and reports that are designed to enhance customer experience, improve efficiency, reduce risks, and improve outcomes through assisted processes; (2) Sys-Tab, which includes features such as account opening, cash transactions, and bills payment; (3) Sys-Bi, which is a business intelligence platform that integrates different data sources and standardizes the data for business insights; (4) Sys-Micro, which is a mobile-enabled solution that greatly enhances operations efficiency of banks’ collection agents; and (5) Sys-OMB, which is a banking app developed for customers to access their banking accounts anytime, anywhere.
ZenTreasury
ZenTreasury is a cloud-based platform that supports treasury management through two solutions: (1) a Treasury Management System that allows clients to manage their financing agreements efficiently throughout their life cycle and implements financial accounting reliably; and (2) Lease Accounting Software, which is an all-in-one accounting and portfolio solution to help companies achieve IFRS 16 compliance.
The company provides accounting methods depending on contract type, portfolio, and counterparty and offers a simplified audit process. Its audit trail logs all transactions with dates and time stamps. More than this, ZenTreasury makes it possible for businesses to manage transactions in foreign currencies.
OuroX
The goal of OuroX is to transform how people interact financially in Latin America and the Caribbean, and they achieve this by bringing liquidity to the area by facilitating trading on the OuroX Exchange. This service is aided by their blockchain-enabled payment processor, OuroPay, and online marketplace supported by next-generation logistics applications, Fuente.
The company continues to expand throughout the region, either by establishing a local subsidiary or by partnering with a local entity, in compliance with local rules and regulations.
