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Ribbit Capital

Palo Alto, California · Invests in US; LATAM; Europe; Asia; North America · Website

SeedSeries ASeries BGrowthB2B SaaSAI & Machine LearningDeveloper ToolsCybersecurityFintechCrypto & Web3Fintech & PaymentsEnterprise SoftwareDeveloper Tools & Infrastructure

Thesis

We back rebels who challenge the status quo and reshape financial systems through technology. The best fintech founders see structural inefficiencies before others and have the conviction to build something fundamentally better. We partner with them not just with capital, but with hands-on operational expertise, regulatory fluency, and deep financial services networks.

Likely not a fit for

We avoid consumer apps that optimize existing financial products without systemic impact. We're skeptical of fintech plays that ignore regulatory complexity or founder teams without operational depth in financial services.

How they invest

Lead or follow
Usually leads
Typical decision
~2 weeks
Warm intro
Preferred
Involvement
Takes a board seat
Fund status
Actively deploying
Assets under mgmt
$12B
Decision process
Partnership vote

Partners & team

7 contacts on file

NS

Nick Shalek

General PartnerCo-Founder & General Partner

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n•••@ri•••.com

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M"

Meyer "Micky" Malka

General PartnerFounder & Managing Partner

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m•••@ri•••.com

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NK

Nikolay Kostov

General PartnerGeneral Partner

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n•••@ri•••.com

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RM

Rebekah Murphy

PartnerPartner

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r•••@ri•••.com

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TS

Tessa Savakus

PrincipalPrincipal

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t•••@ri•••.com

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DG

Denise Gilbert

Platform & OpsSenior Advisor

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d•••@ri•••.com

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ZR

Zack Rosen

PartnerPartner

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z•••@ri•••.com

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Portfolio

AffirmFintech Payments

Affirm is a payment network that empowers consumers to pay over time with flexible payment plans and no hidden fees. It helps merchants drive growth by providing a seamless financing option at checkout, enhancing the shopping experience across various categories including electronics, apparel, and travel.

AjaibFintech Payments

Ajaib is Southeast Asia's first and fastest fintech investment unicorn, providing seamless access to stocks, mutual funds, bonds, crypto, and US stocks for over 3 million investors. The platform aims to make investing simpler and more accessible for everyone, especially beginners.

Alpen LabsFintech Payments

Alpen Labs is building Bitcoin's future by enabling direct programmability of Bitcoin through zero-knowledge proofs, facilitating secure trading, borrowing, and the creation of financial applications on the Bitcoin network.

AludeDeveloper Tools Infra

Alude is a digital platform designed for real estate agents and traditional real estate agencies, enabling them to streamline their operations. It offers features such as electronic signature, rental management, and client screening, all aimed at reducing bureaucracy and enhancing efficiency in property management.

ArbitrumDeveloper Tools Infra

Arbitrum provides enterprise-grade infrastructure for building and scaling onchain businesses, offering solutions for finance, consumer applications, and gaming with near-instant transaction speeds and low costs.

Arta.IoLogistics Supply Chain

Arta is a purpose-built commerce technology platform designed for the art, luxury, and collectibles market, offering seamless global shipping, insurance, tracking, and fulfillment solutions. The company focuses on creating a best-in-class purchase and post-purchase experience for buyers, ensuring that unique and high-value items are handled with care and expertise.

AxioSecurity Cyber

Axio provides cyber risk management and quantification solutions, helping organizations assess their cybersecurity posture and manage risks associated with cyber incidents.

Bank Jago
BharatPeFintech Payments

BharatPe is a payments app that allows merchants to accept payments from any UPI app and offers features like on-demand settlement, loan services, and a merchant loyalty club.

BlockaidSecurity Cyber

Blockaid is the onchain security platform for monitoring, detecting, and responding to onchain and offchain threats, providing comprehensive security solutions for Web3 projects.

BrexFintech Payments

Brex is a financial technology company that provides modern finance software solutions including cards, banking, expenses, and accounting, designed for startups and growing businesses.

ChainalysisSecurity Cyber

Chainalysis is the blockchain data platform that provides data, software, services, and research to government agencies, exchanges, financial institutions, and insurance and cybersecurity companies in over 70 countries.

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Research briefRead more
Ribbit Capital Research Investment Thesis Ribbit Capital is a thesis-driven fintech specialist founded in 2012 by Micky Malka, a Venezuelan-born serial fintech entrepreneur with deep operational experience building and scaling financial services companies across three continents. The firm's core conviction centers on backing "rebels" who challenge the status quo of incumbents by leveraging technol

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