Ribbit Capital

Ribbit Capital is a thesis-driven fintech specialist founded in 2012 by Micky Malka, whose core conviction is backing 'rebels'—founders who see the cracks in the financial system before anyone else and have the conviction to build something better. As stated on the firm's website: 'The world doesn't change because incumbents decide it should. It changes because someone, somewhere, decides the system is broken and has the conviction to build something better.' Ribbit partners with entrepreneurs across nearly every continent, bringing capital, a global network, and an obsession with brand-building, believing that companies reshaping industries must not only solve problems but change how people think and feel about entire categories. The firm invests across the full fintech spectrum—digital banking, payments, trading, lending, insurtech, crypto, and AI-native financial interfaces—from seed through growth equity, with a particular emphasis on emerging markets such as Latin America, India, and Southeast Asia where digital financial transformation is rapidly evolving. Managing approximately $12–14.5 billion in AUM across more than 30 funds, Ribbit has backed over 160 companies, producing 35+ unicorns and 16 IPOs, including Coinbase, Robinhood, Nubank, Stripe, Revolut, and Brex.