DES MOINES, Iowa — Curql, a collective of credit unions that jointly invest in fintech, is reporting it has launched Cohort 3 of Curql Accelerate—its national fintech accelerator “created to align early-stage innovation with real credit union needs.”
“Out of hundreds of applicants, five standout fintech were selected for their potential to tackle some of the industry’s most pressing challenges—from fraud prevention to personalized member engagement, compliance, lending, and market intelligence,” Curql said in a statement.
Curql added that over the next several months, the fintechs will work directly with credit unions to refine their products, pressure-test assumptions, and build solutions with long-term relevance.
“These founders are here to listen, collaborate, learn, and grow alongside credit unions,” Curql Collective President and CEO Nick Evens said in a statement. “That’s where meaningful innovation begins.”
The Cohort 3 Fintechs
The Cohort 3 fintechs include:
- Charm Security (Roy Zur): Offers an AI-powered scam defense platform to proactively protect credit unions and their members from scams, social engineering, and human-centric fraud; both in-app and in-person.
- Crux Analytics (Jacob Bennett): Provides a relationship intelligence platform for small business banking that helps credit unions identify, engage, and monitor the most valuable relationships through workflow automation and real-time analytics.
- FinGoal (David Nohe): Analyzes behavioral patterns to help credit unions understand how members spend, save, and prioritize—fueling personalized engagement and
“next best action” - Reset (Matt Dicou): Enables credit unions to natively offer earned wage access daily access to pay rather than normal payroll periods that drives core deposits, increases card payment revenue and allows them to compete more directly with neobanks
- Themis (Neepa Patel): A modern compliance collaboration platform built to streamline a credit union’s internal audits, risk assessments, and vendor management.
On-Site Visits
“Through Curql Accelerate, each fintech will participate in on-site visits with credit union partners including Vantage West, Everwise, and Chartway,” Curql said. “These working sessions go beyond surface-level feedback—they’re an opportunity for fintech founders to sit down with real teams, hear real friction points, and adapt in real time.
Curql Collective reported that more than 130 credit unions are now jointly investing in fintech through the initiative.
