Over $1bn was raised by FinTech companies in the penultimate week of 2025, helped by a major deal in Mexico.
There were a total of 12 FinTech deals this week, as many companies start winding down for the end of the year. Despite the smaller volume of deal activity, there were several major deal sizes, with four of the FinTechs raising over $100m.
It represents a significant jump on last week’s total funding, which saw $296m raised through 11 deals.
The biggest deal of this week, which accounted for half of total funding, was secured by Mexico-based Plata. The FinTech, which offers digital financial services and banking infrastructure, completed the financing facility through Nomura Securities International and marks the largest funding to be secured by a Mexican digital financial services company. These funds will be used to help Plata launch as a regulated bank.
The second biggest deal of the week was a €100m ($117m) investment into Italy-based Exein. The cybersecurity company develops AI-powered runtime security that is embedded directly into device firmware. This funding will support global expansion and support the development of a next generation of embedded runtime security solutions.
The other two companies to raise more than $100m were PayTech company RedotPay, which raised $107m, and marketplace lending FinTech Octane, which netted $100m.
In terms of location, the US was the only country to record multiple deals, with a total of six deals. These companies were: Octane, Adaptive Security, Informed.IQ, Thread, Verisoul and Chaince Digital.
Other locations represented this week were: Italy (Exein), Hong Kong (RedotPay), Israel (Echo), the UK (ANNA Money) and Switzerland (Soverli).
Despite the consistent dominance of the US in the weekly deal activity, investment activity is expected to decline in 2025. Research from FinTech Global found that across the first three quarters of 2025, the US FinTech market experienced a deal volume decline by 21% compared to the same period in 2024. It declined from 1,557 to 1,230 deals.
Similarly, total funding also experienced a dip. It dropped from $38.7bn in 2024 to $35.9bn in the same period of 2025. Despite this overall slowdown, the average deal size increased from $24.8m in the first three quarters of 2024 to $29.2m in the same period of 2025, indicating that capital is becoming more concentrated in higher-value transactions even as the number of deals decreases.
As for sectors, CyberTech led the charge with four deals (Exein, Adaptive Security, Echo and Soverli). It was followed by RegTech (Informed.IQ and Verisoul), WealthTech (Thread and Chaince Digital), and infrastructure & enterprise software (Plata and ANNA Money).
The final sectors represented with a deal each were marketplace lending (Octane) and PayTech (RedotPay).
Here are the 12 FinTech deals covered by FinTech global this week:
Plata secures $500m Nomura facility to fuel digital banking growth
Plata, a Mexican FinTech platform focused on digital financial services and banking infrastructure, has arranged a financing facility of up to $500m through Nomura Securities International, marking the largest funding ever secured by a Mexican digital financial services company.
The new financing was secured to support Plata’s rapid growth trajectory as it prepares to launch operations as a regulated bank. The FinTech already received authorisation for its banking licence in December 2024.
Plata develops and operates a high-tech financial platform designed to modernise banking in Mexico. Its operating model has attracted strong interest from both investors and regulators in Mexico and the United States.
The newly arranged facility from Nomura represents a major step forward for the platform. It is the largest private credit financing ever raised by a Mexican FinTech and the first time a top-tier Japanese global financial institution has backed an operation of this scale in the country’s digital finance sector.
The transaction also adds to Plata’s previously closed and outstanding debt facilities with Fasanara Capital, Lumina Capital and a bond issuance in the Nordic capital markets.
With this latest facility, Plata has now surpassed $1.6bn in cumulative institutional funding since entering the Mexican market. The company’s investor base spans the US, UK, Europe, Japan and Latin America, underlining sustained global confidence. In October, Plata also closed a $250m equity round that doubled its valuation to $3.1bn.
Cybersecurity firm Exein raises €100m ($117.1m) to fuel global growth
Exein, an embedded cybersecurity company focused on protecting connected devices at the firmware level, has raised €100m in new funding.
The round was led by Blue Cloud Ventures and participation from HV Capital, Intrepid Growth Partners, Geodesic, and J.P. Morgan. The latest investment brings Exein’s total funding raised in 2025 to €170m, following its €70m Series C round in July.
Founded to address the growing security risks associated with connected and embedded devices, Exein develops AI-powered runtime security that is embedded directly into device firmware. Its platform is designed to detect, contain and respond to cyber threats in real time, even in environments where devices lack continuous connectivity. This approach is increasingly being adopted by manufacturers seeking alternatives to traditional perimeter-based security models.
The new capital will be used to accelerate Exein’s global expansion and to meet rising demand for protection against cyberattacks targeting physical infrastructure. The company said the funding will also support the development of a next generation of embedded runtime security solutions, including AI-driven protection for AI infrastructure and large language models. The first wave of these new capabilities is expected to be unveiled at RSAC 2026.
In addition to product development, the investment will fund a multi-deal M&A programme planned for 2026, with a focus on opportunities in Europe and the US. Exein also plans to expand its international presence further, particularly across the US and APAC markets, as it builds on a period of rapid commercial growth.
The funding comes amid what the company described as a year of hyper-growth. Exein reported a five-times year-on-year increase in revenue, an expanding customer base across critical infrastructure and advanced manufacturing, and new partnerships with manufacturers and chipset providers including Kontron and MediaTek. These developments reflect increasing demand for device-level cybersecurity as cyberattacks move beyond digital systems and into the physical world.
Stablecoin payments firm RedotPay bags $107m funding
RedotPay, a stablecoin-based payments FinTech focused on enabling borderless digital transactions, has announced it has raised $107m in a Series B round
The company announced it has raised $107m in a Series B round, led by Goodwater Capital, with participation from Pantera Capital, Blockchain Capital and Circle Ventures, alongside continued backing from existing investor HSG and others. The round was described as oversubscribed and brings RedotPay’s total capital raised in 2025 to $194m.
Founded to simplify the use of stablecoins in everyday financial activity, RedotPay is building payment infrastructure designed to make fund movement instant, predictable and borderless for both crypto-native and non-crypto users. Its platform enables consumers to spend stablecoins and other digital assets through a globally accepted card, while also offering stablecoin-powered global payouts that allow fast and secure international transfers. The company also connects traditional finance with digital assets, allowing users to access, hold and use stablecoins through multi-currency accounts and a peer-to-peer marketplace.
RedotPay said the new funding will be used to support strategic acquisitions aimed at deepening its product and infrastructure capabilities. A portion of the capital will also go towards securing required licences and expanding its compliance organisation to support entry into new markets, alongside accelerating global hiring across engineering, product and compliance teams. The company added that it plans to continue expanding its geographic footprint, with a focus on key growth regions, while enhancing products that bridge crypto and traditional payment ecosystems.
As of November 2025, RedotPay reports more than 6 million registered users across over 100 markets globally. The platform processes more than $10bn in annualised payment volume and now generates over $150m in annualised revenue, with the company stating it continues to deliver profitable growth through a scalable business model.
Octane launches Series F funding round with $100m raise
Octane, a US-based FinTech specialising in digital lending and point-of-sale finance for recreational purchases, has closed a $100m Series F equity funding round as it looks to accelerate growth, expand into new markets and enhance its technology-led product suite.
The new capital raise was completed to build on Octane’s strong origination momentum and to support continued investment in innovation, market penetration and product development. The Series F round also includes funding allocated for secondary share transfers.
The Series F round was led by Valar Ventures, with participation from Upper90, Huntington Bank, Camping World and Good Sam, Holler-Classic and other investors. Prior to this round, Octane had raised $242m in total equity funding, including a Series E completed in 2024.
Founded in 2014, Octane operates at the intersection of lending technology and digital commerce, delivering an end-to-end financing experience for both merchants and consumers.
Octane’s platform supports dealers and original equipment manufacturers by combining software, data and underwriting capabilities with consumer lending.
The company’s product offering allows consumers to prequalify instantly online, select flexible payment options and complete purchases seamlessly through participating dealerships.
Adaptive Security bags $81m to tackle AI-powered cyber threats
Adaptive Security has raised fresh capital as investor appetite for next-generation security tools continues to grow.
The company announced it has secured $81m in a Series B funding round led by Bain Capital Ventures, with participation from NVentures, NVIDIA’s venture capital arm, OpenAI Startup Fund, Andreessen Horowitz, Abstract Ventures, Capital One Ventures and Citi Ventures.
Founded to address the accelerating risks created by generative AI, Adaptive Security develops technology designed to help enterprises identify, test and mitigate human-layer cyber vulnerabilities. Its platform focuses on threats such as deepfake voice calls, video impersonation, text-based scams and sophisticated phishing attacks that increasingly bypass traditional security controls.
The new funding will be used to scale Adaptive’s product development, expand its engineering and research teams, and accelerate go-to-market efforts as demand rises from large enterprises grappling with AI-driven fraud and deception. The company is also investing in advancing its automated threat triage, executive risk scoring and personalised security training capabilities.
Adaptive’s rapid growth reflects heightened concern among both customers and investors about the pace at which AI-enabled attacks are evolving. Less than a year after its public launch in January 2025, the company has grown to more than 500 enterprise customers and reports a net promoter score of 94. Its customer base includes PayPal, Xerox, Bose, the National Hockey League, the Professional Golfers’ Association, Figma, Ramp, Vimeo, TaylorMade Golf and Perplexity.
Fraud prevention FinTech Informed.IQ secures $63m funding
Informed.IQ, an AI-powered loan verification and fraud prevention RegTech company, has announced a significant growth equity investment of $63m.
The company has secured $63m in growth capital from Invictus Growth Partners, which will support Informed.IQ’s next phase of expansion and product development, said Financial IT.
Founded to address verification and fraud challenges in lending, Informed.IQ provides agentic AI technology designed to verify loans and detect fraud at speed and scale. The platform is currently used by seven of the top ten US auto lenders and is trusted by some of the country’s largest banks. To date, Informed.IQ has supported more than $350bn in loan originations, reducing loan closing times from days to minutes while maintaining high levels of accuracy.
The new funding will be used to accelerate Informed.IQ’s growth within auto finance, while also supporting its strategic expansion into mortgage lending, consumer lending, tenant screening and government benefit administration. The company is positioning its technology as a cross-sector verification and fraud prevention layer that can operate across the entire lending lifecycle, from pre-underwriting through to servicing.
The investment comes at a time of rising fraud and credit risk across the lending sector. According to Equifax data cited by the company, consumer non-mortgage write-offs increased by 145% in 2024 compared with 2021, while estimated auto lending fraud loss exposure has exceeded $7.9bn. Informed.IQ argues that its extensive dataset and AI-driven models allow lenders to detect fraud patterns that would otherwise go unnoticed.
Echo secures $35m to tackle Docker image vulnerabilities
Echo, a Tel Aviv-based cybersecurity company focused on securing cloud infrastructure through artificial intelligence, has raised fresh capital of $35m.
The company announced it has secured $35m in a Series A funding round, bringing its total funding to $50m. The round was led by N47, with participation from Notable Capital, Hyperwise Ventures and SentinelOne’s S Ventures, claims Security Week.
Echo operates at the intersection of cloud security and AI, using autonomous AI agents to build Docker container images that are free from common vulnerabilities. By stripping open-source container images of non-essential components while preserving their functionality, the company aims to significantly reduce the attack surface that organisations inherit when deploying cloud services.
The company’s container base images are designed as drop-in replacements for standard Docker images, allowing engineering teams to adopt them by changing a single line of code in a Dockerfile. Echo says this approach enables organisations to eliminate known vulnerabilities at the source, rather than relying solely on downstream scanning and patching.
The newly raised capital will be used to accelerate product development and expand Echo’s use of AI agents that autonomously maintain container images as new security defects are discovered. When a new vulnerability emerges, the agents research the issue, identify affected images from a pool of more than 600, seek or create fixes, apply them, run compatibility tests and generate pull requests without manual intervention.
Thread raises $30.5m to expand embedded banking digital branch model
Thread Bancorp, the parent of Thread Bank, has closed a $30.5m funding round to support the continued build-out of its embedded banking proposition.
The new capital raise has been completed to accelerate the development of Thread’s embedded banking and “digital branch” model, as the company looks to meet customers within the platforms and brands they already use, rather than through traditional branch-led distribution.
Founded in 2021, Thread has undergone a significant transformation from a conventional community bank into a tech-forward banking partner serving customers nationwide. The company positions itself as an infrastructure provider for embedded finance, enabling small business and consumer brands, as well as vertical SaaS platforms.
The $30.5m funding round consisted of a $27.6m initial raise and a $2.9m extension. It was led by Portage Ventures, with participation from Rockmont Partners and other strategic investors.
The funding follows a period of rapid growth for the business. Thread Bank now manages more than $2bn in partner deposits and recorded more than threefold growth in embedded deposits between January 2024 and October 2025, representing an annualised growth rate of approximately 75%.
UK FinTech ANNA Money secures £10m ($13.3m) debt funding
ANNA Money, a London-based FinTech providing business banking and automated accounting tools for small businesses and the self-employed, has secured fresh funding as the UK prepares for a major shift in tax reporting requirements.
According to UKTN, the company has raised £10m in debt funding, with the financing provided by Flashpoint VC through its growth debt arm, as ANNA Money positions itself for increased demand ahead of the rollout of Making Tax Digital for Self Assessment.
Founded in 2017, ANNA Money offers a broad suite of financial services designed to simplify day-to-day administration for entrepreneurs and small business owners. Its platform combines business current accounts with invoicing, payroll, tax support and administrative tools, aiming to reduce the manual burden associated with running a business.
The new funding comes as HMRC prepares to extend its Making Tax Digital initiative to self-employed individuals and landlords. The programme will require users to maintain digital records and submit income and expense data through approved software, a move expected to affect around 850,000 people from next year.
ANNA Money said the capital injection will allow it to scale its operations at a time when regulatory change is accelerating adoption of digital accounting solutions. The company plans to invest in expanding its technology and automation capabilities to support a growing customer base navigating new compliance requirements.
Verisoul secures $8.8m to combat fake users and bots
Verisoul, a fraud prevention and digital identity platform focused on stopping fake accounts, bots and AI-driven abuse across online platforms, has secured new funding as it looks to scale its technology amid a sharp rise in sophisticated fraud attacks.
The company has raised $8.8m in a Series A funding round led by venture capital firm High Alpha, with participation from Lookout Ventures, Bitkraft, Bain Future Back Ventures and Third Prime.
Founded to address the growing challenge of verifying real users online, Verisoul provides an all-in-one platform that helps businesses identify and block fake users across the entire customer lifecycle. Its technology operates from the first interaction through to conversion and ongoing engagement, allowing organisations to detect fraudulent behaviour before it impacts revenue, data integrity or trust.
The platform combines real-time behavioural analysis with device and network forensics, alongside identity signals such as email intelligence and ID verification. These inputs are assessed using internally developed AI models and evaluated against customer-specific rules, producing a clear classification for each interaction. By relying on spoof-resistant forensics rather than passive data aggregation, Verisoul aims to remain resilient against increasingly advanced AI-powered fraud techniques.
The new capital will be used to significantly expand the company’s team, accelerate product development and scale its go-to-market efforts as demand increases from businesses facing rapidly evolving fraud threats.
Verisoul’s growth comes as AI-driven fraud volumes surge globally, with intelligent attack activity increasing by more than 250% year on year. As autonomous agents become capable of mimicking human behaviour and bypassing traditional security controls, companies across digital services, payments and financial services are facing mounting pressure to improve user verification without adding friction.
This momentum has translated into strong commercial performance for the company. Since raising its seed funding, Verisoul has scaled from zero to more than 100 customers and achieved over six times ARR growth in the past year. The company was also named “Emerging Startup of the Year” at the 2024 Austin A-List Awards, reflecting its rapid rise in a competitive fraud prevention market.
Chaince Digital secures $6.14m funding for AI and semiconductor expansion
Chaince Digital Holdings, a FinTech and digital asset-focused holding company formerly known as Mercurity Fintech Holding, has completed a market-priced private placement that raised gross proceeds of approximately $6.14m from an institutional investor.
Chaince operates at the intersection of digital finance, tokenisation and regulated capital markets infrastructure. Through its operating subsidiaries, the company delivers technology-enabled solutions spanning distributed computing, business consulting and brokerage services. A central part of its proposition is bridging traditional financial markets with the emerging digital asset economy using compliant, institutional-grade infrastructure.
The private placement saw the investor purchase 1,000,000 ordinary shares at a price of $6.14 per share, equal to the closing price of Chaince’s shares on the Nasdaq Stock Market on 5 December 2025. The transaction generated total gross proceeds of $6.14m before fees and expenses.
Proceeds from the offering will be used for general corporate and working capital purposes, with a significant portion allocated to strategic growth initiatives. These include the initial phase development and planning of a US-based AI and semiconductor-focused precision components gigafactory, which forms part of a recently announced strategic partnership.
Digital sovereignty start-up Soverli raises $2.6m pre-seed
Soverli, a Switzerland-based cybersecurity company focused on mobile digital sovereignty, has emerged from stealth after securing fresh pre-seed funding aimed at reshaping how smartphones are secured and audited.
The company has raised $2.6m in a pre-seed funding round led by Founderful, with participation from the ETH Zurich Foundation, Venture Kick and a group of cybersecurity specialists with backgrounds in high-assurance systems and trusted computing.
Founded as a spin-out from research conducted at ETH Zurich, Soverli is developing a sovereign smartphone architecture designed to operate alongside Android and iOS, rather than replacing them. Its technology allows multiple operating systems to run simultaneously and in isolation on a single device, enabling users to retain the full functionality of Android while accessing a parallel, fully auditable sovereign operating system at the press of a button.
The company’s approach is intended to address what it describes as a critical gap in Europe’s push for digital sovereignty. While billions are being invested in sovereign cloud infrastructure, AI and national networks, smartphones remain largely opaque systems controlled by third-party operating system providers. Soverli argues this creates systemic risks, particularly for governments, emergency services and critical industries that depend on mobile devices for mission-critical operations.
Soverli plans to use the new funding to expand its engineering team, extend compatibility across a wider range of smartphone models, deepen integrations with mobile device management platforms and scale partnerships with original equipment manufacturers. The longer-term ambition is to establish a new software-layering standard that enables sovereign-grade security on consumer-grade smartphones without compromising usability.
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