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The Venture Codex

Launchpad Capital

180 Grand Avenue, Suite 1530, Oakland, CA, 94612, United States

Overview

The world of financial services is transforming and more ready than ever for thoughtful disruption. The combination of permanent structural changes to the global financial services industry and readily accessible infrastructure will unlock empowering financial and technology innovation at across the FIRE sector - from finance, to insurance and real estate - through products and services that are fair, transparent and give consumers and businesses full control of their hard earned money and the data tied to it. LaunchPad Capital builds and invests in pre-seed and seed stage Fintech companies.

Total investments
20
Lead investments
6
Investments · 12mo
1
Active investors
2

Sector focus

  • Finance
  • FinTech
  • Insurance
  • Real Estate
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Investment portfolio

  • YO Labs

    Participated · Series A · Dec 2025

    YO Labs builds and maintains YO Protocol, an automated yield-optimization system that rebalances capital across multiple DeFi protocols while continuously factoring in quantified risk. The platform offers vaults such as yoETH, yoUSD, yoBTC, yoEUR and yoGOLD, giving users exposure to yield on assets ranging from USD and EUR to BTC and gold. Its core innovation is a “Risk-Adjusted Yield” engine, powered by Exponential.fi’s transparent DeFi risk-scoring framework, which analyzes thousands of risk vectors before deploying funds. To mitigate cross-chain security issues, YO Protocol uses an "embassy" model that holds native assets on each supported blockchain rather than relying heavily on bridges. A complementary “DeFi Graph” monitors five levels of protocol dependencies and can trigger automated withdrawals during market stress or protocol failures. With the new funding, the company intends to expand support to additional blockchains and strengthen its infrastructure so fintechs, wallets and developers can embed sustainable yields into their products. Including the latest round, YO Labs has raised a total of $24 million to date.

  • Utila

    Participated · Seed · Mar 2024

    Utila is an all‑in‑one digital asset operations platform that provides secure, enterprise‑grade infrastructure for stablecoin operations, treasury management, trading operations and business continuity. Its platform features enterprise MPC wallets, granular policy controls, developer APIs, multi‑chain support, a payments and tokenization engine, and integrations with AML providers, exchanges, DeFi and banking rails. Founded in 2022 by Bentzi Rabi and Sam Eiderman, Utila serves 200+ institutional customers, processes over $15 billion in monthly volume and has secured more than $90 billion in total transactions. The company emphasizes military‑grade security and compliance designed for high‑volume institutional use cases. Utila plans to use the new funding to accelerate global expansion and product development, targeting North America, Europe and emerging markets in LATAM, APAC and Africa. The firm positions itself as the operating system for organizations integrating stablecoins into payments, treasury and operational workflows. Utila builds an enterprise-grade platform for on-chain operations centered on institutional MPC key management and wallets, offering MFA, confidential computing, robust user management and a transaction policy engine. The platform includes balance tracking, reconciliation, tokenization capabilities and connectivity to compliance and liquidity providers. Utila targets use cases such as payments, tokenization of real assets, trading adjuncts and treasury management where existing solutions lack flexibility or enterprise-grade security. The company reports having secured $35 billion in digital asset transactions, engages hundreds of global clients and processes over $8 billion in monthly volume, with a goal of $1 billion in daily transaction volume by year-end. Product and road‑map plans include expanding protocol support, launching an on‑premise offering and extending digital asset coverage. Utila is using recent funding to scale global operations, grow R&D, expand sales and customer‑success teams and open new jurisdictions, including a recently opened London office. Utila is an enterprise-grade crypto operations platform led by CEO Bentzi Rabi that enables organizations of all sizes to manage digital assets securely. The platform offers a secure, non-custodial, chain-agnostic wallet powered by MPC key management and a transaction policy engine for granular control. Institutional investors, trading firms, and Web3 builders can manage assets across multiple blockchains, wallets, and users on a single platform, and developers can build custom offerings via an API. Utila counts industry users such as Fasanara, Starkware and Psalion and has secured over $3 billion in transaction volume within a few months. The company intends to use the $11.5M seed to expand operations, broaden its business reach, and accelerate development efforts. The product emphasizes enterprise-grade security, multi-chain support, and operational simplicity for large-scale crypto management.

  • MIC Global

    Led · Seed · Feb 2024

    MIC Global builds and underwrites embedded microinsurance and digital reinsurance solutions that pay out for loss of income, everyday risks, and identity theft. The company embeds simple, point-of-sale insurance products through banking, mobile, digital/technology, insurance, and insurtech partners. MIC operates in over 17 countries and plans rapid geographic expansion in 2024 via existing and new platform, insurer, and operating partnerships. It performs in-house underwriting through Lloyd’s Syndicate 5183 and MIC Re, supporting long-term sustainable premiums. Those underwriting arrangements are backed by Lloyd’s AA- ratings from Fitch Ratings, Kroll Bond Rating Agency, and Standard & Poor’s. The company intends to use new capital to invest in infrastructure, talent, and market expansion to scale its technology-enabled insurance platform.

  • Sora Finance

    Participated · Equity · Mar 2023

    Sora Finance is a San Francisco-based fintech that provides a SaaS platform for credit management and liability optimization to financial advisors, planners, and employers. Its AI-driven debt financing platform covers home, auto, student, and personal loans and uses an "always-on" lending algorithm to surface affordable rates. Sora onboards clients' existing liabilities and executes advanced credit optimization strategies across all loans to maximize clients' net worth. By partnering with wholesale and retail lenders, the company guarantees advisors' clients the lowest cost of debt. Led by co-founders and co-CEOs Siddhartha Oza and Rohit G. Agarwal, Sora intends to use new funding to accelerate growth and expand operations and business reach. The company currently works with over 125 advisory firms and has $275 million in liabilities under management.

  • Zurp

    Participated · Seed · Jan 2023

    Zurp is a fintech platform built for superfans that offers a rewards program centered on exclusive experiences with creators. Its first product, the Zurp Credit Card, is a secured card launching in Q1 2023 in partnership with Mastercard and sponsored by First Pryority Bank, Member FDIC. Each participating creator will have a co-branded card; fans earn points on use redeemable for exclusive experiences while creators receive a percentage of purchases, creating recurring revenue. Zurp positions the card as a safer, experience-driven alternative for Gen Z and aims to promote financial literacy. The company was founded in 2022 and announced a $5M pre-seed raise to fund creator partnerships and product expansion. It plans to expand into banking options and different tiers of credit cards, and its pipeline of potential creator partners collectively reaches roughly 1B social followers.

Team