Venture Capital

Ribbit Capital

Ribbit Capital is a venture capital firm founded in 2012 by Micky Malka and headquartered in Palo Alto, California, investing globally in founders who challenge the status quo across financial services and adjacent frontier categories. Long the most focused fintech investor in venture, Ribbit backs companies reshaping money movement, wealth management, identity, data, and global commerce, and has broadened its thesis into crypto and blockchain infrastructure, AI, and energy. The firm invests from early stage through growth, historically concentrating on Series A and B rounds while following its winners over time, and reported roughly US$12 billion in regulatory assets under management as of 2024. Ribbit's portfolio of 150+ companies spans nearly every continent and includes many of fintech's defining outcomes such as Robinhood, Coinbase, Nubank, Credit Karma, Affirm, Revolut, Brex, Mercado Libre, and Groww, alongside newer bets in crypto (Solana, Ethena, Lightspark), AI (Cognition, Etched, Decagon), and energy (Base Power, Crusoe). In 2021 Ribbit partnered with Walmart to launch the consumer fintech venture now known as OnePay.

149 portfolio companies 149 publish APIs here 7 properties
Venture CapitalSeries ASeries BGrowth EquityFintechCryptoArtificial IntelligenceInsurtechFinancial-ServicesGlobalPalo AltoNorth America
Portfolio Strength across 140 profiled portfolio companies on the network
9 top-rated API companies 5 exemplar · 4 strong
29 agent-ready companies 8 agent-native · 21 agent-ready
Average quality of the book:
Composite emerging 27.0
Agent-Readiness human-only 13.9

Firms are ranked by cumulative portfolio strength — how many highly-rated API companies they've backed, weighted by tier across composite quality and agent-readiness. The averages below are a secondary read on the typical company in the book.

Ribbit Capital has 149 portfolio companies tracked on the APIs.io network, of which 149 (100%) publish APIs indexed here.

Its highest-rated API providers on the network are Stedi, Stripe, Lightspark, Plaid, Solana.

Portfolio on the Network

Portfolio companies that publish APIs indexed on APIs.io, grouped by their API Evangelist rating. Exemplar and Strong are expanded by default.

Exemplar 5 Complete, well-documented, and agent-ready
Strong 4 Solid coverage with minor gaps
Developing 30 Usable, with meaningful gaps to close
Thin 27 Limited public surface area
Emerging 35 Early or largely undocumented
Minimal 39 Almost no public developer surface
Unrated 9 Not yet scored

Properties

Portfolio

Where the firm publishes its investments

Firm

The firm itself

Cohort brief

Auto-generated

The 140 portfolio companies with APIs in the catalog, backed by Ribbit Capital, scored on the Kin Score. Every figure below is computed from the catalog — nothing here is written.

Providers
140
of 149 on the roster
Mean Kin Score
27.3
+6.6 vs catalog 20.7
Mean Agent Readiness
14.2
+4.5 vs catalog 9.7
Spread
1.9–85.6
median 24.2 · σ 19.3
How the 140 split by band
Exemplar 5Strong 7Developing 29Thin 24Emerging 35Minimal 40
Facet averages, against the whole catalog
FacetThis cohortCatalogDifferenceScored
Developer Ergonomics 28.1 17.9 +10.2 140
Contract Quality 24 17.5 +6.5 140
Operational Transparency 17.8 11.3 +6.5 140
Discoverability 65.9 60.4 +5.5 140
Access Clarity 27.5 22.3 +5.2 140
Contract Governance 8.5 6.4 +2.1 140

A facet is averaged over the members that carry it, not over the whole cohort — the “Scored” column is that count. Averaging an absent facet as zero would score our own coverage gaps as the providers’ posture.

What this cohort publishes
ArtifactThis cohortCatalogDifference
MCP server (any) 30% 16% +14
MCP server (first-party) 10% 7% +3
Agent Skills 0% 0% 0
OAuth scopes 8% 9% -1
Security 98% 88% +10
Arazzo workflows 2% 2% 0
Governance rules 11% 13% -2

mcp_pct counts any mcp/ artifact including ones API Evangelist derived from the provider OpenAPI; mcp_first_party_pct counts only servers the provider publishes. Prefer the latter.

Top by Kin Score
  1. 1 Stedi 85.6
  2. 2 Stripe 83.2
  3. 3 Lightspark 71.4
  4. 4 Plaid 68.2
  5. 5 Evervault 66.6
  6. 6 Solana 65.8
  7. 7 fireblocks 64.2
  8. 8 Slash 63.7
  9. 9 Groww 62
  10. 10 Lighter 55.9
Top by Agent Readiness
  1. 1 Campfire 54.1
  2. 2 Revolut 54
  3. 3 Stedi 52.9
  4. 4 Lightspark 52.6
  5. 5 Listen Labs 52.2
  6. 6 Stripe 47.8
  7. 7 Slash 47.2
  8. 8 Tako 43.2
  9. 9 Groww 41.1
  10. 10 Lead Bank 38.8
This roster declares 149 members; 140 resolve to a provider in the catalog and 140 carry a score (100%). The figures above describe the scored members only.Generated from the catalog build of 25 August 2026, across 26891 providers, using the same computation served by the APIs.io cohort API. Briefs are published for rosters of 5 or more scored providers; below that a distribution is not meaningful.

Source (apis.yml)

apis.yml Raw ↑
aid: ribbit-capital
name: Ribbit Capital
description: >-
  Ribbit Capital is a venture capital firm founded in 2012 by Micky Malka and headquartered in Palo Alto,
  California, investing globally in founders who challenge the status quo across financial services and
  adjacent frontier categories. Long the most focused fintech investor in venture, Ribbit backs companies
  reshaping money movement, wealth management, identity, data, and global commerce, and has broadened its
  thesis into crypto and blockchain infrastructure, AI, and energy. The firm invests from early stage
  through growth, historically concentrating on Series A and B rounds while following its winners over
  time, and reported roughly US$12 billion in regulatory assets under management as of 2024. Ribbit's
  portfolio of 150+ companies spans nearly every continent and includes many of fintech's defining
  outcomes such as Robinhood, Coinbase, Nubank, Credit Karma, Affirm, Revolut, Brex, Mercado Libre, and
  Groww, alongside newer bets in crypto (Solana, Ethena, Lightspark), AI (Cognition, Etched, Decagon),
  and energy (Base Power, Crusoe). In 2021 Ribbit partnered with Walmart to launch the consumer fintech
  venture now known as OnePay.
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://ribbitcap.com/icon.ico
x-type: venture-capital
x-category: Venture Capital
created: '2026-07-17'
modified: '2026-07-17'
specificationVersion: '0.23'
tags:
  - Venture Capital
  - Series A
  - Series B
  - Growth Equity
  - Fintech
  - Crypto
  - Artificial Intelligence
  - Insurtech
  - Financial-Services
  - Global
  - Palo Alto
  - North America
tags_raw:
  - Venture Capital
  - Series A
  - Series B
  - Growth Equity
  - Fintech
  - Crypto
  - Artificial Intelligence
  - Insurtech
  - Financial Services
  - Global
  - Palo Alto
  - North America
apis: []
common:
  - type: Website
    url: https://ribbitcap.com/
  - type: Portfolio
    url: https://ribbitcap.com/rebels
  - type: Portfolio
    url: portfolio/ribbit-capital-portfolio.yml
  - type: InvestmentThesis
    url: https://ribbitcap.com/
  - type: Crunchbase
    url: https://www.crunchbase.com/organization/ribbit-capital
  - type: LinkedIn
    url: https://www.linkedin.com/company/ribbit-capital
  - type: Twitter
    url: https://x.com/RibbitCapital
  - type: Features
    data:
      - "Stage: Early to growth; historically concentrated in Series A and Series B"
      - "Sectors: Fintech, financial services, crypto/blockchain, AI, insurtech, energy, identity, data, global commerce"
      - "Geography: Global (US, Latin America, Europe, India, Southeast Asia)"
      - "AUM: ~US$12B regulatory AUM (as of 2024, self/press-reported)"
      - "Portfolio: 150+ companies"
      - "Founded: 2012"
      - "HQ: Palo Alto, California, USA"
      - "Founder: Micky Malka"
    sources:
      - https://ribbitcap.com/
      - https://en.wikipedia.org/wiki/Ribbit_Capital
    updated: '2026-07-17'
maintainers:
  - FN: Kin Lane
    email: info@apievangelist.com
    url: https://apievangelist.com
  - FN: APIs.json
    url: http://apisjson.org
  - FN: Ribbit Capital
    url: https://ribbitcap.com/

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