Commerce · alternatives · 2026

24 alternatives to KaiMoney

Loans backed by your investment portfolio, no credit score

Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes.

1. 1
   Salt Lending▲120

   Blockchain-backed loans. Hold your assets, get your cash.

   2017 · its alternatives →

2. 2
   Stripe Capital▲517

   Access to fast, flexible financing to grow your business

   2019 · its alternatives →

3. 3
   Bloom▲96

   Decentralized credit scoring powered by Ethereum and IPFS

   2017 · its alternatives →

4. 4
   Lofty▲221

   Real Estate Investing With Instant Liquidity – Lend & Earn

   2024 · its alternatives →

5. 5
   Level▲137

   Non-dilutive financing for fintech startups

   2021 · its alternatives →

6. 6
   Worthy▲77

   Earn 5% interest while helping others

   2018 · its alternatives →

7. 7
   Fundable API ▲94

   Startup data via API

   Mar 2026 · tryfundable.ai · its alternatives →

8. 8
   MyWallSt▲84

   We handpick the top 1% of stocks, invest successfully

   2022 · its alternatives →

9. 9
   Savvy Trader▲67

   Create, share and discover great investment portfolios

   2023 · its alternatives →

10. 10
    Heron Data: Cashflow Scoring for SMBs▲111

    Predict business credit risk using bank data

    2023 · its alternatives →

11. 11
    Mainvest▲120

    The investment marketplace for small businesses

    2021 · its alternatives →

12. 12
    Underpay▲87

    You don't need a credit card to earn rewards (anymore)

    2022 · its alternatives →

13. 13
    AssetClass▲128

    Stock and crypto portfolio tracker

    2021 · its alternatives →

14. 14
    2TheMoon▲102

    Have a look at the assets that could make you money

    2021 · its alternatives →

15. 15
    Nobias Finance▲73

    Institutional-level insights for the individual investor

    2020 · its alternatives →

16. 16
    Backed▲76

    Back startups and benefit as they grow with CompanyCoins

    2022 · its alternatives →

17. 17
    Ambrosia▲65

    Invest in diversified crypto bundles

    2023 · its alternatives →

18. 18
    Prism protocol▲75

    Turn credit into tradable risk

    May 2026 · prismprotocol.dev · its alternatives →

19. 19
    StockLift▲11

    Embedded portfolio analysis for fintech platforms & lenders

    2025 · its alternatives →

20. 20
    Finclout▲72

    Monetizable social intelligence for investments

    2022 · its alternatives →

21. 21
    Gradement▲72

    Stock scores and factors to help with your DIY research

    2023 · its alternatives →

22. 22
    rule30: Would we back your startup + why▲46

    Share your LinkedIn. Receive a decision + reasoning in 24h.

    Dec 2025 · founder.rule30.vc · its alternatives →

23. 23
    Accountable Finance▲25

    Professional-grade stock investing, simplified with AI.

    Mar 2026 · accountable.finance · its alternatives →

24. 24
    Sats Terminal▲20

    Borrow against your Bitcoin. Best rate, no KYC, self-custody

    Jul 2026 · satsterminal.com · its alternatives →

Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →