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

Fintech Deal Dispatch

Fintech venture activity this week reflected a continued bias toward scale-ready platforms operating at the intersection of regulation, infrastructure, and enterprise distribution. Capital flowed most heavily into payments modernization, lending platforms with embedded risk controls, and financial software designed to integrate directly into incumbent institutions. Rather than chasing consumer growth narratives, investors emphasized operational leverage, compliance readiness, and cross-border applicability. The mix of late-stage infrastructure rounds and growth capital for regionally dominant platforms underscored a market increasingly focused on durability, unit economics, and regulatory alignment as defining investment criteria.

Key Highlights

• Infrastructure-led platforms dominated, with payments, credit, and core financial software attracting the largest rounds.

• Regulatory alignment and licensing remained central to investor conviction across lending, payments, and banking models.

• Global expansion narratives strengthened, particularly across Asia, Europe, and emerging-market financial ecosystems.

Top 5 VC Deals in Fintech (Jan. 20-Jan. 26, 2026)

1. M2P Fintech — India — Series D
M2P Fintech raised a significant growth round to expand its banking and payments infrastructure platform serving banks, fintechs, and non-bank financial institutions. The company provides full-stack services including card issuance, digital lending rails, and core banking integrations, positioning itself as critical infrastructure within India’s financial ecosystem.
Amount raised: $300M.
Lead investors: Helios Investment Partners (lead), with participation from existing global investors.

2. Zeta — India — Series E
Zeta secured late-stage capital to accelerate global expansion of its modern card processing and core banking technology for large financial institutions. The company has increasingly targeted Tier 1 banks seeking to modernize legacy systems without full core replacement, reinforcing its enterprise positioning.
Amount raised: $250M.
Lead investors: SoftBank Vision Fund (lead), alongside strategic and institutional investors.

3. Yapily — United Kingdom — Series C
Yapily raised new capital to expand its open banking and payments infrastructure across Europe, focusing on enterprise clients and regulated financial institutions. The funding supports deeper integrations with banks and merchants as open banking matures from compliance requirement to commercial payments layer.
Amount raised: $100M.
Lead investors: Lakestar (lead), with participation from existing European growth investors.

4. Xepelin — Mexico — Series C
Xepelin closed a sizable growth round to scale its B2B payments and working capital platform serving mid-sized enterprises across Latin America. The company combines credit underwriting, payments orchestration, and treasury tools, addressing liquidity challenges in underbanked commercial segments.
Amount raised: $85M.

5. Upvest — Germany — Series B
Upvest raised capital to expand its investment and securities infrastructure platform for European banks and fintechs offering brokerage and wealth products. The company’s modular APIs allow institutions to embed regulated investing capabilities while outsourcing operational complexity.
Amount raised: $60M.
Lead investors: Hedosophia (lead), with participation from strategic financial backers.