backAfter a prolonged period of contraction, the fintech sector has begun to see growth in global investments: $22 billion was raised in the first half of 2025, according to data released by Crunchbase. Although this amount represents an 11% increase compared to the second half of 2024, it remains far below the historical peaks, such as the $68.7 billion invested in the same period of 2021. Meanwhile, the number of deals fell by 31.4% compared to the same period last year, reflecting a trend of fewer rounds but with larger check sizes. Notable rounds included Binance, Plaid, and Rapyd, each raising over $500 million.
IPOs and Stronger Fundamentals Mark a New Phase for the Sector
In addition to increased funding, the first half of the year marked the return of significant IPOs, including those of Circle and the neobank Chime. However, caution remains, as companies like Klarna postponed their IPO plans amid geopolitical and tariff uncertainties. Specialized investors such as QED Investors — known for backing Nubank — have returned to lead major funding rounds, signaling a more selective and disciplined recovery. Fintechs focusing on B2B infrastructure, artificial intelligence, and sustainable financial solutions are gaining traction, with founders emphasizing solid fundamentals and long-term strategies, indicating a maturing market.
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