FinTech News

FinTech Breakthrough Announces 2025 Award Winners

by Kyle BurbankMar 25, 2025

The 2025 FinTech Breakthrough Award recipients have been revealed.

About the Winners:

Each year, the FinTech Breakthrough Awards honor companies across the financial technology landscape. These awards encourage startups to “showcase their standout FinTech products, services and solutions” by applying. Then, these applications are evaluated by a panel of independent industry experts, scored, and selected. Now, the 2025 winners across all 100+ categories have been revealed.

Starting in the Personal Finance section, the money management service Monarch was awarded Best Personal Finance Platform. Meanwhile, the free credit score site Credit Sesame was named Best Personal Finance App. Yet, the winner for Best Personal Finance Company was OppFi.

The Personal Finance Innovation Award went to Tomo — a company that had a big year in 2024 as it began to offer its proprietary underwriting model TomoScore for use by other businesses. Elsewhere, Best Financial Planning Platform was awarded to Fruitful, which recently launched a high-yield savings and cashback charge card product for its members. Lastly, in a year that saw Mint shutdown, Brightfin managed to take honors in the Best Personal Budget Service category.

Moving to consumer lending, Best Consumer Lending Product went to Pockit, while Happy Money was named Best Consumer Lending Company. However, the Best Overall Digital Lending Product award was presented to Fig.

Lastly, going behind the scenes, Astadia was named Best Banking Infrastructure Platform with Codat taking the Best Banking Infrastructure Software award. Talos was honored with the Open Banking Innovation Award, while Best Open Banking API went to MX.

My Thoughts:

Looking around at some of the honorees, I noticed quite a few familiar names. Among them, Bestow was named Best InsurTech Solution for Life Insurance, Revolut won Best Consumer Banking Mobile App, and Upgrade was awarded Best Consumer BNPL Platform. Interestingly, Capital One was given the Point of Sale Innovation Award — although it doesn’t specify what innovation led to this distinction.

While I do think it’s interesting to see which companies are featured in the FinTech Breakthrough Awards (and in what categories), I am a bit skeptical of the affair overall. Namely, the specificity of the categories feels as though they’re tailored to feature as many applicants as possible. Seeing how many of the awarded companies issued their own press releases about their wins, it’s easy to see why the awards continue — but I’m not sure how much stock to put into them.

However, my questioning of the awards themselves is not meant to suggest that these startups are not deserving of recognition. In fact, I know several of them are. So, after these wins, here’s hoping they find even greater success going forward.

Author

Kyle Burbank

Head Writer ~ Fioney

Kyle is the head writer for Fioney. He is a personal finance nerd, constantly looking for new apps and services to test and incorporate into his own financial game plan. In addition to his role at Fioney, he's written for other publications including Born2Invest, Lifehack, and Laughing Place, as well as his own site Money@30. He also creates personal finance and travel-related videos for Fioney's YouTube channel, which has garnered more than 2 million views. Currently, Kyle resides in Springfield, Missouri with his wife of 10 years. Together, they enjoy traveling (including visiting Disney Parks around the world), dining, and playing with their dog Rigby.

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