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Global venture funding to fintech and financial services startups last year rose 27% to total $51.8 billion, again topping pre-pandemic levels, per 附近上门 data, despite fewer funding deals.

On the heels of that momentum, investors in the space say they expect funding growth in 2026 to continue to concentrate into pre-IPO companies, for M&A to tick up, and to see robust investment into startups that add value to their fintech offerings with AI.

IPO momentum

The IPO dam finally seems to have broken in 2025, with several companies in the fintech space either going public or filing to do so last year. That could work in the funding environment鈥檚 favor going forward, since startup investment often follows the lead of public-market counterparts.

However, despite impressive debuts, shares have settled for many of the fintech companies that went public in 2025. Stablecoin issuer , digital bank , buy now, pay later plan provider , and enterprise expense management platform are now all trading near or below their first-day closing prices.

Still, investors are eager to back pre-IPO companies such as , , or , according to , general partner of . 鈥淭he story of fintech funding this year will probably be dominated by those $100M+ rounds as these companies get ready to go public,鈥� he told 附近上门 News.

At the same time, he also predicts that 鈥淢&A will go crazy鈥� in 2026 and that more companies will follow the lead set by and Revolut in providing tender offers to their employees in order to defer the decision to go public.

鈥淰enture firms will both sell and buy into these rounds,鈥� he said.

The AI effect

The AI conversation has shifted the VC mindset into bubble territory from a valuation perspective, yet the underlying growth and performance of companies in the age of AI is 鈥渁stounding and unlike anything we’ve seen before,鈥� even relative to 2020 and 2021, according to partner and head of U.S. investments at .

鈥淎bsent a broader recession, we expect some pullback and return to rationality in the funding market,鈥� he said, 鈥渂ut we believe funding in fintech and at the AI application layer should remain quite strong.鈥�

Still, 鈥渨e just don鈥檛 expect fintech funding to ever recover to the highs we saw in 2020 and 2021, when fintech and crypto were the hottest themes in venture,鈥� Gerety said. 鈥淭he tourists have moved on to chasing the AI-hype cycle.鈥�

of believes we鈥檒l continue to see more AI companies across the fintech spectrum and that in general 鈥渢here’s a lot of innovation going on in fintech right now.鈥�

鈥淭he current administration has been much more friendly to fintech innovation, so we expect that in 2026 we鈥檒l see more fintechs getting bank charters and vertically integrating,鈥� he said.

鈥淲e’ll see more activity around stablecoins and crypto 鈥� and a lot of new products in the wealth stack.鈥�

Who鈥檚 getting funding

Overall, 鈥渢he best teams will increasingly pull ahead,鈥� especially as startups building in AI and stablecoins scale faster than prior generations of fintech companies, according to ,聽 vice president at .

鈥淭hese businesses can move more quickly and reach meaningful adoption earlier in their lifecycles,鈥� he wrote in an email interview.

Looking ahead, he expects stablecoins, agentic payments, and AI-native tools for financial services to command a disproportionate share of funding.

鈥淭hese categories sit at the intersection of technological inflection points and clear customer demand,鈥� he said, 鈥渨hich is where capital tends to follow.鈥�

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• Fintech Funding Jumped 27% In 2025 With Fewer Deals But Bigger Checks
• Here Are The Fintech Companies That Could Go Public In 2025
• Crypto Giant Binance Scoops Up $2B From Abu Dhabi鈥檚 MGX
• Kalshi Secures $1B To Expand Predictions Market Platform

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