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Here are TOP 40 Fintech companies:TALAIndustry: Credit, Data, SoftwareLocation: Santa Monica, CaliforniaWhat it does: Tala provides credit access to people in underserved parts of the world like Kenya, the Philippines, Tanzania, and Mexico. Through its app, the company employs alternative data to underwrite potential users that have no traditional credit history.PITCHBOOKIndustry: Venture Capitalism, Investments, SoftwareLocation: Seattle, WashingtonWhat it does: PitchBook is a financial software and data company that provides information about public and private equity markets. The platform enables companies, investors, advisors, and professionals to capitalize on new business opportunities via due diligence research on private market intel, fundraising information, and source investments.AVANTIndustry: LendingLocation: Chicago, IllinoisWhat it does: Avant is a loan service for middle-income consumers that offers loans ranging from $2,000-$35,000. The service operates largely as a resource for customers to access funds for things like consolidating debt or paying unexpected bills. Avant requires only a simple application and approves loans in as little as one day.BRAINTREEIndustry: PaymentsLocation: Chicago, IllinoisWhat it does: Braintree, a division of PayPal, provides payment services to businesses of all sizes. Accepting payment types ranging from credit cards to Venmo, its products help companies that operate online and as marketplaces to bolster security, prevent fraud and safeguard user information.ONDECKIndustry: LendingLocation: New York, New YorkWhat it does: OnDeck provides loan services exclusively to small businesses. Clients can apply for term loans and credit lines online to receive funding fast, often within a day.FORWARD FINANCINGIndustry: FintechLocation: Boston, MassachusettsWhat it does: Forward Financing provides working capital to small businesses in the US, using its own proprietary technology to allow businesses access to financing as soon as the very same day. The company has provided over $500 million to over 10,000 growing businesses.ENFUSIONIndustry: SoftwareLocation: Chicago, IllinoisWhat it does: Enfusion's completely integrated investment management platform assists hedge funds, institutional asset managers and family offices with compliance, trading, risk management, operations, and even accounting. Its goal in giving clients a complete view of their businesses is to enhance operational efficiency.MORNINGSTARIndustry: Investment, ResearchLocation: Chicago, IllinoisWhat it does: Morningstar provides an array of products and services that connect everyday investors to professional-grade financial research and information so they can make better investment decisions.VERIFIIndustry: Software, PaymentsLocation: Los Angeles, CaliforniaWhat it does: Verifi offers payment protection solutions and risk management services for companies of all sizes across multiple industries. The company's platform lets cardholders, issuers, and merchants access real-time data that provides quicker resolutions. Verifi also helps companies fight and stop chargebacks, securely process payments, battle fraud and increase billings.CIRCLEIndustry: CryptocurrencyLocation: Boston, MassachusettsWhat it does: Circle is a crypto-financial company guided by the principle that money should be open and free, but secure. Its products — including a wide selection of coins that allow users to easily transfer money across countries and currencies — help customers invest in new currencies.OPTIVERIndustry: InvestmentLocation: ChicagoWhat it does: Headquartered in Amsterdam, but with a large presence in Chicago, Optiver, is a trading firm focused on “market-making”. Not only does the company facilitate the buying and selling of stocks, bonds, futures, options, etc., but it also builds markets and provides extra liquidity to exchanges all over the world.TRANSFERWISEIndustry: Currency Exchange, SoftwareLocations: New York and LondonWhat it does: TransferWise moves money through its platform to other users all over the world at mid-market rates and with no unnecessary fees. In addition to individual users, TransferWise can be used by companies to invoice vendors regardless of currency.SUPLARIIndustry: Financial Management, Software, Machine LearningLocation: SeattleWhat it does: Suplari uses machine learning to help users better manage their costs. Finance, procurement and operations departments can all use the company’s platform to analyze spending trends, hit savings goals and even find areas where the money is being inefficiently spent. Wayfair, Nordstrom and Spending Tree are just a few of the companies that use Suplari’s platform to analyze, predict and cut down on costs.OPPLOANSIndustry: Mortgage, LendingLocation: ChicagoWhat it does: Opploans makes it easy to apply for personal loans. The application process takes minutes and the lower interest rate loans are issued in a matter of days. Applicants can apply for loans to cover everything from home and car repairs to family bills, medical emergencies and major purchases.BILLTRUSTIndustry: PaymentsLocation: Lawrenceville, New JerseyWhat it does: Billtrust provides payment cycle management solutions to business services, manufacturing, transportation, distribution, and equipment companies. Billtrust aims to accelerate the invoice-to-cash process, automate cash flow, give a company’s customers more flexibility and enhance organizational and operational efficiency.GRAVITY PAYMENTSIndustry: PaymentsLocation: SeattleWhat it does: Gravity Payments is a payment processing platform for small businesses that features lower rates and flexible processing solutions. The company’s platform streamlines financial transaction processing for everything from credit cards to POS systems and even gift cards.VENMOIndustry: PaymentsLocation: New York, ChicagoWhat it does: Venmo makes it simple to exchange money between friends or even accept payments as a business. Going out to dinner with a friend and don’t want to split the bill with credit cards or cash? Maybe you want to pay your dog walker with something other than a check? Venmo’s app makes it easy to transfer money from your bank account into other users, so you can keep track of payments in real-time.COINBASEIndustry: Blockchain, BitcoinLocation: San Francisco, CaliforniaWhat it does: Coinbase is an online platform for buying, selling and managing digital currency that provides users with secure mobile access to their digital assets. Coinbase supports 32 countries and has exchanged more than $150 billion in various forms of digital currency, including Bitcoin, Bitcoin Cash, Ethereum and Litecoin.ACORNSIndustry: Savings, Investment, MobileLocation: Irvine, CaliforniaWhat it does: Acorns is a savings and investment mobile application. Linked to a user’s financial accounts, it invests change from purchases in a diversified portfolio. Other products and services include IRAs, debit accounts and informational content that enables users to invest automatically and learn as they go.CHIMEIndustry: BankingLocation: San Francisco, CaliforniaWhat it does: Chime is a pioneering mobile bank that offers no-fee and automatic savings accounts as well as early payday via direct deposit. With over one million opened accounts, Chime is reportedly one of the fastest-growing banks in the United States.ROBINHOODIndustry: StocksLocation: Menlo Park, CaliforniaWhat it does: Robinhood is an investment application that allows users to invest for free from a desktop or mobile device. Because there are no physical locations or individual account management services, Robinhood aims to make investing accessible to would-be traders who can’t quite swing the fees of a traditional brokerage house.ADDEPARIndustry: InvestmentsLocation: Mountain View, CaliforniaWhat it does: Addepar is a performance reporting platform used by individuals, private banks and wealth advisors. The platform consolidates and manages all information across the investment world, providing a broader view and allowing investors to make more informed decisions.AFFIRMIndustry: LendingLocation: San Francisco, CaliforniaWhat it does: Affirm is a lending platform that allows users to pay for online purchases in small installments. The company offers interest rates as low as zero percent and allows users to choose plans ranging from three to 36 months so they can pay overtime for trips, electronics, furniture and more.CARTAIndustry: Investments, SoftwareLocation: Palo Alto, CaliforniaWhat it does: Carta is a management platform for private and public companies as well as investment firms. Its products help businesses manage and track company and employee equity, manage portfolios and back-office processes and keep current with SEC and IRS regulations.GUARANTEED RATEIndustry: Mortgages, LendingLocation: Chicago, IllinoisWhat it does: Guaranteed Rate is a mortgage provider and lending service that offers digital solutions to home buyers and those looking to refinance existing mortgages. The company's digital home mortgage enables customers to receive loan approval as well as upload and sign required documents — all online.TRANSUNIONIndustry: CreditLocation: Chicago, IllinoisWhat it does: TransUnion began as a credit reporting agency and now offers multiple financial services and solutions for businesses, governments, and individuals. Using data collected from millions of consumers around the world, the company provides deep information that helps consumers, companies, and organizations make better financial decisions.COMMONBONDIndustry: LendingLocation: New York, New YorkWhat it does: CommonBond works with students throughout their loan journey, from the beginning of their college career to post-graduation refinancing. The company offers a variety of loans for undergraduate and graduate students as well as medical and dental students. CommonBond also partners with Pencils of Promise to cover educational costs for children in the developing world.CREDIT KARMAIndustry: Credit ReportingLocation: San Francisco, CaliforniaWhat it does: Credit Karma offers users open access to credit scores, monitoring and reports, all for free and as often as a user needs it. Using this data, the site recommends new credit opportunities, loans, auto insurance and can even help dispute credit report errors.FUNDRISEIndustry: Real EstateLocation: Washington, D.C.What it does: Fundraise is a platform helps expand stocks-and-bonds-based portfolios to include real estate investments. Although it features dozens of multi-million dollar real estate projects, starter portfolios require only a $500 initial investment.KABBAGEIndustry: LendingLocation: Atlanta, GeorgiaWhat it does: Kabbage provides financing options for small businesses online. Because access to capital is a major pain point to small businesses, Kabbage allows companies to grow by hiring more employees, increasing marketing or buying more inventory. The company offers lines of credit up to $250,000 and lets users apply anywhere through its mobile app.GREENSKYIndustry: LoansLocation: Atlanta, GeorgiaWhat it does: GreenSky is a consumer- and business-facing loan service. Besides providing home improvement loans to individuals, the company helps businesses in the healthcare, retail, and home improvement markets offer financing options to customers.LENDING CLUBIndustry: LendingLocation: San Francisco, CaliforniaWhat it does: Lending Club is a peer-to-peer and alternative investing service providing new options for those seeking capital and those looking to invest. Through an online marketplace, investors purchase notes or fractions of loans and borrowers receive funds for such things as debt consolidation and home renovations.NERDWALLETIndustry: Credit Cards, Mortgages, Insurance, LoansLocation: San Francisco, CaliforniaWhat it does: Nerdwallet provides a host of financial tools and services, including credit card and bank comparison, investing how-tos, loan information, and mortgage advice. The company's services help consumers navigate the congested and often confusing worlds of finance, investment, insurance, and banking.NETSPENDIndustry: Prepaid CardsLocation: Austin, TexasWhat it does: Netspend's products allow individuals and businesses to manage money through reloadable prepaid cards. The company's services are especially useful for those who lack traditional bank accounts or rely on alternative banking methods.PERSONAL CAPITALIndustry: SoftwareLocation: San Carlos, CaliforniaWhat it does: Personal Capital provides free personal finance tools to help users manage all of their accounts in one place. The platform’s dashboards display insights like net worth, portfolio balances, account transactions, investment returns and spending by account. The company also facilitates access to financial advisors.SOFIIndustry: Loans, Wealth ManagementLocation: San Francisco, CaliforniaWhat it does: SoFi provides refinancing, loan and wealth management services. In assessing a user's rates and determining the likelihood of loan repayment, the digital company's algorithm takes into account factors beyond income and credit history. Things like education, career, and estimated cash flow are also part of the mix. In addition, SoFi offers benefits for which most institutions charge extra or require large balances, including career services, unemployment protection, and financial advising.STRIPEIndustry: Payments, SoftwareLocation: San Francisco, CaliforniaWhat it does: Stripe's internet commerce platform provides tools for marketplaces, subscription services, e-commerce businesses, and crowdfunding platforms. Millions of online businesses — including Pinterest, Warby Parker, Kickstarter, Instacart and Squarespace — use the platform to manage payments and structure online billing processes.WEALTHFRONTIndustry: InvestmentsLocation: Palo Alto, CaliforniaWhat they do: Wealthfront is an automated investment solution designed for millennials. Whether users want to buy a home, take a year off to travel or plan for retirement, Wealthfront helps them plan for the future. The automated investment tool uses passive investing strategies to build a diversified portfolio and maximize returns.YAPSTONEIndustry: PaymentsLocation: Walnut Creek, CaliforniaWhat it does: Yapstone's comprehensive payments platform aims to simplify global transactions and payment integration for industry-specific businesses. It powers leading marketplaces and companies like HomeAway, Evolve Vacation Rental Network and RentPath.Dozens ( developed by Dashdevs )Industry: BankingLocation: London, EnglandWhat it does: Dozens offers a current account that helps to grow your money, encourage saving and eventually investing. It aims to offer a whole range of financial services, including:A current account. Dozens does not hold a full banking license yet, so it won’t be a full UK account, at least for now. But it has an account number and sort code.A card. The Dozens card is a Visa of a very bright yellow.An app. It looks bright and clean and has a personalized dashboard.Spending report features. It shows your spending according to the location (showing it on a map), category and size.Budgeting features. You can save automatically by setting your own personal rules (such as “save £2 every time this person tweets” or “every time it rains”) and Dozens encourages you with cash prizes.A savings product. Dozens calls them “Cash Savings” – basically, you’ll be able to set money aside regularly, according to a set of rules you decide. You won’t earn any interest on it, but you can transfer it back to your main account anytime.An investment bond product. The bonds are £100 each and earn a 5% annual interest rate, paid monthly (more on this below).An investment account. Dozens also allows you to invest your money if you want to.

In the USA, with a big list of available exchanges, it’s even more complicated to choose the right and trusted one. You have to check the number of supported currencies, volume limits, trading pairs, and commission on the exchange. Then, you need to check that the crypto exchange has a professional and fast support team before joining and is taking care of high-tech security methods.There are many factors and features to consider what cryptocurrency exchange to choose:Anonymity:Nowadays the laws of lots of countries enforce crypto exchanges to comply with Know Your Customer (KYC) rules and hence abandoned the anonymity of crypto transactions. Under such circumstances, the popularity of anonymous crypto exchanges raises and more crypto-enthusiasts are looking for alternatives to the existent exchanges caring about personal data security. So if you want to avoid your transactions being tracked, use the anonymous crypto exchanges.2. Insurance fund:You should also check whether or not the crypto exchange has an insurance fund. Some exchanges have funds in place to compensate users under specific circumstances.3. Asset selection:Top digital assets such as Bitcoin, Ethereum (ETH), and Litecoin (LTC) are widely available on most crypto exchanges. Other smaller cap coins and tokens, however, may not be available on certain exchanges. It’s better to have a wide range of assets for a good profit.4. Limits:Many crypto platforms don’t have limits, or their limits are very reasonable. It’s better to find the exchanges where you can buy as many altcoins as you want.5. Fees:All exchanges will have fees. If you trade a lot of cryptocurrencies, there are some exchanges where the fees are flexible.Based on these factors, I’ve created the list of the best crypto exchanges in the USA:Swep .io is a licensed platform for legal digital assets and cryptocurrency exchanges, which provides its users with legal, secure, and fast cryptocurrency swaps. The company is located in Estonia and has all the necessary permits and documents to carry out activities in the field of cryptocurrencies.BitShares is venture money with its advanced cash, BTS. With BitShares, clients can exchange and put resources into a boundless rundown of benefits while exploiting the blockchain’s security. BitShares has the highlights you anticipate from a conventional exchanging platform, yet with the additional focal points of digital money and blockchain advancements, for example, decentralization.Kraken is one of the most seasoned and most well known cryptographic money trades right now in the task. The trade has assembled popularity for being a protected goal for anybody keen on exchanging cryptographic forms of money and it is likewise a prevalent decision for the brokers and institutions over an assortment of areas. Kraken holds a worldwide intrigue and gives effective exchanging openings to various fiat monetary standards.Binance - the main player in the crypto exchanges field. It serves fast transactions with low fees. Additional bonuses are multi-lingual customer support and mobile apps for trading.Coinbase is actually not a crypto exchange itself, but a brokerage service. But, it works very fast, allowing you to make transactions right after account verification. It is perfect for beginners taking into account intuitive interface and fast transactions. At the same time, transaction fees are rather high, for example in comparison to Swep. io or Kraken.Have only profitable deals and use reliable platforms!

I normally suggest the first position in any portfolio being an S&P 500-based index fund - especially in the case of people who have little or no knowledge of how stock/bond markets or investing in general work.Considering your situation, I recommend you start by opening a Roth IRA in your dad's name, then depositing the annual IRS limit of $6500 in it. The current limit is actually $5500/yr, but due to your dad's age, an additional $1000/yr is authorized as "catch up" contributions. You asked this question anonymously though, so there is no way for me to know if this would even apply to you without knowing which country you're in.A Roth IRA is most effectively used by a young investor who is just getting started in their adult life, but even at your dad's age, there will be advantages to it. The biggest advantage is that it can grow completely free of future tax obligations. There are no taxes to pay for any capital gains, and in most cases there are no taxes to be paid on anything that is withdrawn. I say "most cases" because there are at least a couple of cases in which a tax can be assessed. The first is if the original investment was less than 5 full years prior to the withdrawal. The second is if the withdrawal is made before age 59-1/2. You can otherwise expect the money already in it to grow tax-free and for it to double in value every 7-10 years, assuming the money is invested in an S&P 500-based index fund in an average year.Take the rest of that money and put it in a regular Taxable Brokerage Account (TBA). Put all of it into an S&P 500-based index ETF as well (SPY or VOO are good examples). Put it there and leave it there, at least for now.After each new calendar year, sell enough shares to contribute the annual IRS limit back to the Roth IRA. You should preferably ensure that the closing (shares sold) transaction in the TBA is made at least a full year after the position was opened (shares bought). Doing so will classify the capital gain, if any, as a long-term gain rather than a short-term gain. Long-term gains have tax advantages over short-term gains. Short-term gains are treated like regular income and are subjected to whichever tax rate that regular income is subjected to. Long-term gains are capped at the 15% tax rate. This means it won't get taxed any higher, even if your dad's total income (including from a spouse, if married and filing taxes jointly) puts him in a higher bracket. If he's in a lower bracket, it gets taxed at the lower rate. So, doing everything you can to ensure that it's treated as a long-term capital gain in the TBA will minimize the implied tax hit before the proceeds from the sell get transferred into the Roth IRA. Repeat this process every year until your dad is ready to actually retire and start relying on the money to live off of.In the meantime, start learning what you can about investing and stocks/bonds. Start first by learning what factors fundamentally drive share prices up or down over the long-term. Learning about chart technical indicators can certainly help, but I find them too unreliable even as a short-term trading tool, personally. Besides, you can always see from technical indicators that turning points often happen at seemingly illogical locations. When such cases happen, they are likely happening at technical levels you aren't noticing (or don't know how to spot...perhaps at a particular Fibonacci level, weekly horizontal pivot point, or anything else not on your own radar). Besides, even then...medium-term and long-term share price direction and magnitude rely much more on other things than technical indicators alone. It behoovs you to learn what things to look for and know what you're dealing with before getting carried away with making other types of trades or experimenting with different strategies. This means staying out of individual stocks and everything else that isn't an index fund of some sort - at least while you're a know-nothing. Even bonds have index funds that can be invested in.Once you've learned enough to want to experiment, do all experimenting with fake money...never your real money. You WILL make mistakes while experimenting. Mistakes are very costly. So, do all experimenting as simulated trades first. Figure out what kinds of bad habits you'll have and what mistakes you might be making are, then find a solution that will help you avoid making the mistake later. Don't expect to be 100% mistake free though. Nobody - not even Warren Buffett - gets everything right. But getting your success rate from 40%-60% up to 70%+, along with limiting what mistakes are made to those which are less costly before you start "going live" with any changes to your strategy and/or scope, will pay dividends in the form of compounding interest over the long run.There are plenty of resources available right here through existing Quora content to get you moving in the right direction, whether it means finding out which books or online resources to draw a lot of knowledge from, or picking up useful tips and free advice from people who've already been in your position.Regardless of source, I strongly recommend you learn all about compounding interest before anything else. What makes compounding and simple interest different from each other? How does each work? How is each calculated? How should you set monthly and annual goals, or multi-year average annualized goals? How can you use all of the above to your advantage? These are all questions you should easily be able to answer on your own before adding any other positions to your portfolios, or before you should even consider anything other than a long-term strategy with a single stock index fund that has a proven effective track record. The info is already available in other, existing, Quora content, so please use the Topics and/or the site's search tool to help you find this info before you resort to asking redundant questions.After you learn all about compounding interest, learn next about bear market reversals and recessions - and what causes both. If you can learn enough about what compelling "red flags" you can look for are without relying on any second-hand info from any doomsday chatter from others (including that from "experts"), you'll stand a better chance of being able to sideline your stock investments into cash and/or bonds at the right time, and you'll avoid the pain that bear markets bring mostly or completely unscathed. Doing just that one thing can turn an "average" +10% year into a +15% average over the long-term. Without knowing more yourself, you'll likely only sell on emotional sentiment "because everybody else seems to be selling", or because it just looks like you're losing too much of what money you've already gained and/or invested when the selling could really be nothing more than a brief overreaction to some news or economic data.Good luck!