These are the 38 fintechs that investors say are the next generation of breakout B2B stars. Meet the startups they think will follow in the footsteps of Plaid and Stripe.

Moov

Cited by: Activant Capital, Kleiner Perkins, and Bain Capital Ventures (investor)

Total raised: $32 million 

What it does: Moov allows users to create banking and payment functionality in their app seamlessly. From client onboarding to money transfers, the startup covers a variety of banking services. 

Why it’s hot in 2020: “Moov.io is bringing the open-source movement to fintech, which could serve as a huge unlock for the next wave of builders. They’re navigating both sides of typically complicated negotiations, allowing fintechs to work with traditional financial services and data providers with a new level of ease and implementation velocity,” Kleiner Perkins’ Desai Weiss said. 

“Over the next five to 10 years we expect to see substantial advancements in the infrastructure layer for banking and financial services. nCino’s IPO listing was a great example of this wave picking up steam and the legacy incumbents like Fiserv and FIS (with a combined market cap of $150 billion) are ripe for disruption. One company we’re following is Moov, an early-stage banking-as-a-service startup that works in the cloud or on-prem and offers a suite of services from account creation through bill pay, KYC, wire transfers and more,” said Activant’s Steve Sarracino.

“Moov.io is a developer-first, open source banking-as-a-service offering that enables banks, fintechs, and technology companies to seamlessly embed financial services into their product suites,” said Matt Harris, a partner at Bain Capital Ventures. 

When Business Insider surveyed investors in July, Unqork had only raised up to its see round. In December, it announced a $27 million Series A, bringing its total funding to $32 million.

Read more:This banking-as-a-service fintech helping businesses embed payments tech into their apps just raised a $27 million Series A led Andreessen Horowitz