CoreLayer Digital Awards 2025
About the CoreLayer Digital Awards
The CoreLayer Digital Awards honor excellence in financial technology and artificial intelligence. The 2025 Awards spotlight fintech and AI companies shaping the next generation of automation, onboarding, and compliance technology. This year highlights a mix of high-growth scale-ups and established innovators that are pushing regulated industries toward intelligent automation.
Award selections are based on:
- Product innovation and usability
- Market impact and adoption
- Ethical technology implementation
- Potential to shape the future of digital ecosystems
2025 Awards Winners
This year’s winners — from fintech startups to global AI leaders — demonstrate how data-driven innovation is reshaping industries across the globe. Our winners are transforming banking, trading, research, onboarding, compliance, and peer to peer transactions.
Fintech Innovation Awards 2025
Ramp
FormIQ
Ramp
Ramp provides AI-powered expense management and spend optimization for enterprises.
AI Expense Management Solution of the Year
Brex
FormIQ
Ramp
Brex is a modern corporate finance platform for startups and global teams.
Corporate Finance Transformation Award
FormIQ
FormIQ
FormIQ
FormIQ automates complex client onboarding and compliance workflows for regulated industries.
Onboarding Platform of the Year
Alloy
Alloy
FormIQ
Alloy provides digital identity and KYC orchestration for banks and fintechs.
Identity & Risk Automation Award
Tink
Alloy
Monzo
Tink connects Europe’s banking ecosystem with secure account and payment APIs.
Open Banking Innovator of the Year
Monzo
Alloy
Monzo
Solaris
Truelayer
Truelayer
Solaris provides modular financial services infrastructure for embedded banking.
Banking-as-a-Service Platform of the Year
Truelayer
Truelayer
Truelayer
Truelayer enables seamless data access and instant open-banking payments.
Payments API Innovator Award
Rapyd
Truelayer
Rapyd
Rapyd simplifies cross-border commerce through APIs and localized payment networks.
Global Fintech Infrastructure Award
Jiko
Wealth Simple
Rapyd
Jiko blends real-time banking with T-bill-backed deposits for security and liquidity.
Treasury-Integrated Banking Award
Wealth Simple
Wealth Simple
Wealth Simple
Wealth Simple provides investing and personal finance through an intuitive, low-fee digital platform.
Digital Wealth Management Innovator of the Year
Koho
Wealth Simple
Wealth Simple
Koho is a leading Canadian neobank offering budgeting, cashback, and early-pay access tools for everyday users.
Consumer Fintech Platform of the Year
AI Innovation Awards 2025
Anthropic
Hugging Face
Hugging Face
Anthropic leads enterprise adoption of safe, interpretable AI through the Claude family of models.
Responsible AI Company of the Year
Hugging Face
Hugging Face
Hugging Face
Hugging Face democratizs machine learning with accessible tools and datasets.
Open-Source AI Collaboration Platform of the Year
Mistral AI
Hugging Face
Mistral AI
Mistral AI delivers efficient, open-weight models that power lightweight enterprise applications.
Emerging AI Model Innovator Award
Cohere
Perplexity AI
Mistral AI
Cohere enables secure retrieval-augmented generation for business and knowledge applications.
Enterprise LLM Solution of the Year
Perplexity AI
Perplexity AI
Perplexity AI
Perplexity AI merges reasoning and real-time data retrieval to redefine search and discovery.
AI Search Innovation Award
Inflection AI
Perplexity AI
Perplexity AI
Inflection AI builds Pi, a conversational assistant designed for empathy and trust.
Personal AI Experience Award
Scale AI
Scale AI
Scale AI
Scale AI advances the safety and quality of LLMs through precise data infrastructure.
Model Alignment & Evaluation Award
Runway
Scale AI
Eleven Labs
Runway empowers creatives through multimodal video and visual AI innovation.
Generative Video Platform of the Year
Eleven Labs
Eleven Labs
Eleven Labs
Eleven Labs advances generative audio and multilingual voice synthesis technology.
Voice AI Innovation Award
Toku
Eleven Labs
Flybits
Toku provides AI automation of customer verification and communication for telecom and fintech providers.
AI Customer Engagement Platform of the Year
Flybits
Eleven Labs
Flybits
Flybits uses contextual data and machine learning to deliver personalized digital experiences for banks and insurers.
AI-Driven Personalization Award
Emerging Innovators Awards 2025
Goose Insurance
Goose Insurance
Goose Insurance
Goose Insurance is a mobile-first micro-insurance platform offering travel, health, and life policies in minutes.
Insurtech Startup of the Year
Brim Financial
Goose Insurance
Goose Insurance
Brim Financial enables banks and brands to launch modern credit-card programs with embedded rewards.
Credit-as-a-Service Innovation Award
Luminai
Goose Insurance
Luminai
Luminai automates repetitive enterprise workflows using generative agents.
AI Process Automation Startup of the Year
Unit21
Stride AI
Luminai
Unit21 simplifies risk and compliance operations with no-code rule creation and monitoring.
AML & Fraud Prevention Startup of the Year
Stride AI
Stride AI
Stride AI
Stride AI applies NLP to automate data extraction from contracts and KYC documents.
AI Document Intelligence Award
Finfra
Stride AI
Stride AI
Finfra offers APIs that enable SMEs to launch lending and payments products.
Embedded Finance Platform of the Year
Agridigital
Fintel Connect
Agridigital
Agridigital digitizes commodity supply chains and payments for farmers and buyers.
Agri-Fintech Innovation Award
FrankieOne
Fintel Connect
Agridigital
FrankieOne is a regtech platform connecting global KYC/AML data sources through one API.
Identity Verification Startup of the Year
Fintel Connect
Fintel Connect
Fintel Connect
Fintel Connect is a performance-marketing network connecting financial brands with compliant publishers.
Fintech Marketing Innovation Award
Caary Capital
AiDA Technologies
Fintel Connect
Caary Capital offers virtual corporate cards and expense automation for small businesses underserved by banks.
SMB Credit & Spend Management Startup of the Year
AiDA Technologies
AiDA Technologies
AiDA Technologies
AiDA Technologies delivers predictive and behavioral analytics for insurers, banks, and risk managers across Asia.
Applied AI Analytics Award
Pylon
AiDA Technologies
AiDA Technologies
Pylon provides an end-to-end lending infrastructure for fintechs and credit unions, powered by modern APIs and machine-learning underwriting.
AI-Powered Loan Origination Platform of the Year