The Three Fintech Apps to Watch in the USA

Out of the many companies that have embraced the emerging technologies and tapped into the opportunities therein, in the United States market three have stood out:

The Three Fintech Apps to Watch in the USA

 A widely known and generally accepted emerging technology - financial technology, often shortened to fintech - is an innovative technology that is here to stay. The growth potential in the market is massive, and it is set to continue its rapid growth.

There are startups springing up in various parts of the world, tapping into this emerging industry. Established, traditional institutions are moving to replace or improve their services by incorporating fintech into their models, with the aim of gaining a competitive edge.

Out of the many companies that have embraced the emerging technologies and tapped into the opportunities therein, in the United States market three have stood out –

  • Stripe
  • Braintree
  • Coinbase

Read on for details about these market leaders.


Stripe is a $ 22.5billion company, founded by Patrick and John Collinson. The pair are dropouts from MIT and Harvard respectively, and launched Stripe in 2011 - originally starting with the sole aim to help small online businesses process payments.

As of today, Stripe serves industry giants like Microsoft, NFL, and Amazon to mention a few. Just about a year ago three new-profile products, including credit card issuing technology, point-of-sale software, and a billing platform were added to their array of services.

It is not hype to suggest that this company is a competitor to another big fintech company – PayPal. The company now operates in no less than 25 countries, allowing both individuals and businesses to accepting payments over the net.


Another interesting company that has seized this golden opportunity of innovation is Braintree. A subsidiary of PayPal, Braintree is a company based in Chicago that deals with payment systems for mobile and web payment platforms and for e-commerce companies.

PayPal purchased the company in 2013 in a deal worth around $800million. The technology of the company is the brains behind payments on over 3,000 e-commerce sites such as Uber, Airbnb, Facebook, Hotel Tonight, and more.

Braintree was among the very first fintech companies to focus on the mobile commerce sector, with about 25% of all its sales in 2018 derived from mobile phone processes.

New features in the pipe to be added to their stream of services include; serverless payment functions, which are meant for both advanced merchants and developers to map their own handlers and transaction lifestyle event tracking aiming to customise payment methods for the former.


Last on this list is Coinbase – a company that started out as a Bitcoin wallet and retail exchange. It helps to directly link buyers and sellers of cryptocurrencies such as Bitcoin, Ethereum, and other related currencies with a secure, safe, and fraud-free atmosphere.

In 2018, the company bought out, a service where users can make payments in Bitcoin to contact experts via electronic mail for a whopping sum of $100 million.

Coinbase is headquartered in San Francisco, California and its services currently cut across 190 countries in the world with respect to cryptocurrency wallet transactions. 32 countries host it as a merchant for the other general services offered.

In February 2019, Coinbase announced it had purchased Neutrino, an Italy-based startup, for an undisclosed price. The company is worth about $8 billion dollars with Brian Armstrong still in the position of the CEO.

Coming Up

These companies have proven themselves to be at the forefront in the fintech industry, continuously forged ahead of others with the sole aim of bringing the best and most competitive services to customers and users around the globe.

They are not resting on their laurels, despite their growth seemingly from nowhere. What marks them out is their introduction new features ahead of others, offering services that are all about customer convenience, and arguably being rated as the most used with the largest coverage with users not just in the USA but across other continents.

They remain the three most formidable companies to lookout for in the industry.


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