Fin.com has emerged from stealth with $20 million in seed funding after increasing annual recurring revenue more than 50-fold since the beginning of 2026, as the financial infrastructure startup builds a cross-border money movement network through a combination of technology and acquisitions.
Expa and Uber co-founder Garrett Camp led the round, with participation from Coinbase Ventures, Tenet Fund, Figure founders, Mesh founder Bam Azizi, Second Sight Ventures and sovereign and royal family offices across the Gulf and Africa.
The New York-based company said its infrastructure is already used by major payments and money-transfer platforms, prediction markets and digital-asset exchanges. Through those customers, Fin.com estimates its technology reaches 825 million users globally.
Fin.com has processed billions of dollars in payment volume across more than 51 countries, with most transactions settling within minutes. The company has more than 200 employees across offices in New York, Las Vegas, Dubai, Dhaka, Bangalore and Lahore.
The platform is designed to consolidate the infrastructure businesses need to collect, convert and move money internationally. Fin.com combines local payment rails, U.S. dollar virtual accounts, SWIFT connectivity, stablecoin settlement, liquidity and compliance capabilities through a single orchestration layer.
Its geographic strategy is concentrated on markets where cross-border payments can remain fragmented, including the Middle East, Africa, South Asia and Southeast Asia.
Rather than building its presence in each country entirely from the ground up, Fin.com is pursuing an acquisition-led expansion strategy. The company buys established local financial operators with existing licenses, banking relationships and market expertise and integrates their capabilities into its global network.
Seven acquisitions have already been completed, and Fin.com is targeting 12 by the end of the year. The company also plans to pursue the acquisition of a bank within the next six months.
That approach combines elements of a traditional buy-and-build strategy with a venture-backed technology platform. Acquiring regulated local operators can give Fin.com access to infrastructure and licenses that would otherwise require lengthy approval and development processes, while the centralized technology layer connects those businesses into a broader payments network.
“At Expa, we back founders who build through complexity. Nabeel and Mustafa are tackling one of finance’s hardest problems, one market at a time,” said Vitor Lourenço, founding partner at Expa. “Like Bending Spoons, they combine acquisitions with speed, operating discipline, and the ability to make strong businesses more valuable together.”
Fin.com was co-founded by Nabeel Alamgir and Mustafa Dar. Alamgir previously founded restaurant technology company Lunchbox and was named to Forbes’ 30 Under 30 list. Dar founded 24/7 Jet and serves as a venture partner at Expa.
The founders are targeting the infrastructure behind international payments rather than primarily the consumer-facing experience. Cross-border transactions can involve multiple banking networks, local payment systems, foreign-exchange providers, compliance processes and intermediaries before funds reach their destination.
Fin.com said approximately $195 trillion moved across borders last year through existing financial rails, where transaction costs can include fees, foreign-exchange markups and extended settlement periods. The company sees an opportunity to reduce that fragmentation by connecting multiple payment and settlement methods through one infrastructure layer.
The startup has also assembled an advisory board that includes Figure’s Michael Tannenbaum, Bitso’s Imran Ahmad, Mercury’s Matt Heiman, Revolut’s Bruce Wallace, former Binance board director Christy Choi and Mesh founder Bam Azizi.
The $20 million financing will support additional geographic expansion and acquisitions as Fin.com adds payment corridors and integrates more local operators into its network.
The company’s acquisition plans are particularly notable given its early stage. With seven deals completed, five more targeted by year-end and a potential bank acquisition planned within six months, M&A is positioned as a core component of the operating model rather than an occasional expansion tool.
Fin.com is betting that combining regulated local businesses with centralized payments technology can create a unified financial network across markets that remain difficult for international providers to serve.
After operating without a public profile while building its infrastructure, completing acquisitions and signing customers, the company is now entering its next growth phase with $20 million in new capital, a presence across more than 51 countries and an acquisition pipeline designed to further expand its cross-border payments footprint.