15 Hottest AI-Powered Fintech Startups, According to Top VCs

• Business Insider asked 27 venture-capital investors to nominate the most promising fintechs.
• Fintechs using AI to help Wall Street firms, bankers, and consumers lead this year’s series.
• Here are 15 top AI-powered fintechs, according to VCs.

Fintech investors still see at least one bright spot in the industry, despite funding to the sector hitting one of its lowest points since the pandemic in 2024.

However, the dealmaking drought could ease up in the next year as a result of antitrust scrutiny softening and VCs might be more willing to open up their pocketbooks. One area that investors will likely hone in on is AI.

Business Insider asked dozens of VCs to identify the most promising fintechs to watch last fall. Nearly one-quarter of the startups they named are leveraging AI as a key part of their offering. Indeed, it is difficult to point to one area of finance where AI startups aren’t threatening to change the way people bank, invest, save, and work.

Some of the startups on this list are business-facing, helping dealmakers negotiate debt agreements, streamlining tedious processes for junior bankers, or automating manual processes for accountants and CFOs. Others use AI to serve consumers, whether it’s helping them figure out the best way to pay off debts or maintaining access to healthcare between jobs.

The startups named haven’t raised beyond a Series C and include a mix of investors’ portfolio companies and ones they have no financial interest in.

Here are 15 of the most promising AI fintechs to watch, according to top VCs.