Top 5 VC Deals of the Week in Fintech (1/12/26)

Venture Velocity in Fintech

Fintech venture capital activity in the first full week of 2026 reflected a measured return following the year-end slowdown, with funding concentrated in payments infrastructure, trading technology, and embedded liquidity solutions. Investors remained selective amid tighter macro conditions, prioritizing platforms positioned to integrate with regulated financial systems rather than consumer-led growth models. Deal flow skewed toward seed and Series A rounds, highlighting continued appetite for foundational fintech layers that support transaction processing, settlement, and institutional market access. While overall volumes remained below peak cycles, the diversity of geographies and use cases underscored sustained global confidence in fintech infrastructure as a long-term growth vector.

Key Highlights

• Infrastructure Focus: Capital flowed primarily into payments, exchange, and settlement platforms supporting regulated financial activity.

• Selective Deployment: Investors emphasized early-stage and Series A rounds with clear paths to scale and compliance readiness.

• Global Reach: Deals spanned the U.S. and India, reflecting continued international fintech investment momentum.

Top 5 VC Deals in Fintech (Jan. 5-Dec. 16, 2025–Jan. 12, 2026)

1. Architect Financial Technologies (United States) — Series A
Architect Financial Technologies raised approximately $35 million in a Series A round to accelerate development of its institutional exchange and market infrastructure platform. The funding will support product expansion, regulatory framework enhancements, and deeper connectivity with market participants. Lead investors: institutional venture capital and strategic financial backers.

2. Knight Fintech (India) — Series A
Knight Fintech secured roughly $23.6 million in Series A funding to scale its payments infrastructure and unified transaction processing platform. The capital will be used to expand product offerings and strengthen regional market presence amid growing demand for integrated digital payments. Lead investors: regional and global fintech-focused venture firms.

3. Pluto Financial Technologies (United States) — Seed
Pluto Financial Technologies raised approximately $8.6 million in seed financing to expand its embedded lending platform, enabling access to liquidity against future revenues or distributions. The funding supports product development and early go-to-market execution. Lead investors: early-stage venture funds and strategic angels.

4. Coinbax (United States) — Seed
Coinbax completed a $4.2 million seed round to advance its stablecoin payment and escrow infrastructure. The company is focused on building compliant payment rails that bridge traditional finance and digital asset settlement. Lead investors: early-stage fintech and digital infrastructure investors.

5. Mylapay (India) — Seed / Pre-Series A
Mylapay raised approximately $1 million in seed and pre-Series A capital to extend its runway ahead of a larger growth round. The funding will enhance its payment acquiring and settlement technology while supporting market expansion. Lead investors: early-stage venture firms focused on payments and infrastructure.