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

Fintech Capital Currents

The final weeks of 2025 and the opening days of 2026 delivered a globally diverse set of fintech funding rounds, spanning embedded credit, payments infrastructure, digital lending, and crypto-enabled transaction rails. Capital flowed toward platforms demonstrating production-scale deployment, regulatory readiness, and clear monetization paths rather than experimental builds. Late-stage U.S. rounds underscored renewed confidence in durable consumer and merchant finance models, while international deals highlighted continued momentum in payments, banking infrastructure, and crypto-adjacent services. Overall, investors appeared selective but decisive, backing fintechs positioned to scale in 2026.

Key Highlights

• Late-stage U.S. fintechs regained momentum, with large growth rounds backing embedded credit and lending platforms.

• Payments and transaction rails dominated globally, including stablecoin-enabled consumer spend and cross-border infrastructure.

• Infrastructure-first models continued to attract capital, reflecting demand for fintech plumbing embedded into existing financial ecosystems.

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

1. Imprint — United States (Series D)

Imprint raised a major growth round to expand its co-branded credit card and embedded finance platform for consumer brands. The company continues scaling partner-led card programs across retail, travel, and lifestyle categories as brands seek deeper financial relationships with customers.
Amount Raised: US$150 million
Lead Investors: Khosla Ventures

2. RedotPay — Hong Kong (Series B)

RedotPay secured significant growth capital to expand its stablecoin-powered payments and consumer spend infrastructure. The platform focuses on bridging crypto liquidity with real-world transactions, reflecting sustained investor interest in compliant digital-asset payment rails.
Amount Raised: US$107 million
Lead Investors: Goodwater Capital

3. Octane Lending — United States (Series F)

Octane Lending raised late-stage funding to accelerate growth of its point-of-sale lending platform serving powersports and specialty vehicle markets. The company continues deepening merchant integrations while expanding capital markets and bank partnerships.
Amount Raised: US$100 million
Lead Investors: Valar Ventures

4. Knight Fintech — India (Series A)

Knight Fintech raised Series A capital to scale its banking and digital lending infrastructure platform. The company supports financial institutions with underwriting, risk, and compliance tooling, positioning itself as core infrastructure for credit digitization in emerging markets.
Amount Raised: US$23.6 million
Lead Investors: Accel

5. Advance — United States (Seed)
Advance raised early-stage funding to modernize insurance premium banking and payment workflows. The platform targets insurers and intermediaries seeking embedded finance tools to streamline premium collection, financing, and reconciliation.
Amount Raised: US$7.3 million
Lead Investors: Not publicly disclosed