Jun. 26 at 3:05 PM
Here are the top 10 modern FinTechs by market cap. Which one will be the most valuable by 2030?
6)
$AFRM Affirm Holdings:
$24.1B
7)
$SOFI SoFi Technologies:
$22.4B
8)
$WSE Wise:
$11.0B
9)
$RELY Remitly Global:
$4.6B
10)
$MQ Marqeta Inc:
$1.6B
FinTech is entering its next phase, shifting from pure user growth to profitability and ecosystem expansion.
AFRM pioneered the BNPL model but faces rising competition and cyclicality. SOFI is evolving into a full-service digital financial platform with lending, investing, and banking products. WSE has built a strong moat in low-cost cross-border payments. RELY benefits from the global digitization of remittances, while MQ is a “picks-and-shovels” infrastructure play powering modern card issuance and payments.
The most valuable FinTech by 2030 may not be the one with the most users—but the one with the strongest ecosystem and highest lifetime customer value.
Who do you think has the best chance to become a mega-winner by 2030: SOFI, AFRM, or the overlooked WSE?
