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The Venture Codex

Restive Ventures

44 Tehama Street, San Francisco, CA, 94105, United States

Overview

Restive Ventures is on a mission to help entrepreneurs build the world’s best fintech companies. We provide the foundation of early-stage capital, deep operational expertise, and systematic connections to help founders launch and grow more quickly. Restive reflects fintech founder’s inability to sit still – the entrepreneurs and visionaries that want to get something done, and often don’t rest until they do. Restive is committed to financially and operationally supporting founders that are driven, innovative, and ready to change the world.

Total investments
38
Lead investments
2
Investments · 12mo
9
Active investors
4

Sector focus

  • Finance
  • Financial Services
  • FinTech
  • Venture Capital
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Investment portfolio

  • Maximum

    Participated · Seed · Aug 2026

    Maximum builds an AI-native, real-time operating system intended to replace fragmented, legacy core banking infrastructure. The platform integrates AI at a foundational level and enables banks to build and deploy custom agents to automate complex operational workflows and gain real-time visibility into customer activity. Maximum also emphasizes enhanced security protocols to protect against emerging vulnerabilities and to help deliver innovative financial products. The company is led by CEO Randy Fernando and is based in Miami, FL. Financially, Maximum recently raised $30M in a Seed round to accelerate product development, expand engineering and operations teams, and support bank implementations.

  • Coverwatch

    Led · Seed · Jul 2026

    Coverwatch offers an AI-native insurance platform whose core IP is an information extraction and summarization pipeline that agentically maps each client’s business to the right underwriting questions. The platform provides proactive recommendations to reduce risk, supports contract reviews and insurance planning, and offers hands-on claims management and assistance. Its target clients span homeowner associations, venture-backed technology companies, and consumer brands in ecommerce and CPG. The company is licensed in 17 states and aims to be licensed across the 48 continental U.S. states by Q3 2026. Coverwatch reports that revenue has been doubling each month on average since Q2 2026. It was founded by Miquel Llobet (CEO), Kevin Wu (COO) and Wilmer Yan (CTO) and is headquartered in San Francisco.

  • Natural

    Participated · Series A · Jul 2026

    Natural builds payment infrastructure that lets autonomous AI agents execute financial actions such as paying vendors, collecting payments, and transacting with other agents or humans. The startup redesigns financial rails to support agent-initiated transactions that traditional systems (credit cards, ACH) were not built for. Founded in 2025 by Kahlil Lalji with co-founders including Eric Wang and Walt Leung, Natural has operated in beta while making core architectural decisions. The company plans to support both traditional bank payments and USD-backed stablecoins as part of its architecture. Natural has attracted senior talent from fintech firms like Stripe, Ramp, and Square to accelerate product development. With $40 million in total funding after the Series A, the company is positioning itself to compete with incumbents such as Stripe and emerging rivals in the agentic payments space.

  • Eisen

    Participated · Series A · May 2026

    Eisen provides an AI-enabled compliance operations platform that continuously applies state-by-state regulatory requirements across all 50 states to support escheatment, disbursement, and 1099 reporting. The platform is used by fintechs, financial institutions, and digital asset companies and replaces manual spreadsheets and disconnected vendors with a software system of record. Eisen currently monitors nearly $16 billion in balances across tens of millions of accounts at nearly 50 companies, including Adyen, Binance.US, BitGo, OKX, and PeoplesBank. In 2025 the company said it prevented more than 31% of at-risk assets from being lost to state custody. Eisen plans to use its latest funding to expand compliance coverage and grow its team serving its customer base. The company is based in New York.

  • Onshore

    Participated · Series B · Feb 2026

    Founded in 2020, New York-based Onshore (formerly SPRX) offers an AI-driven platform that combines structured data pipelines, proprietary machine-learning models, and expert review to turn raw payroll, ledger, and project evidence into fully audit-ready tax incentive reports. Its technology enables business-component level analyses that deliver studies up to 90% faster, at 30–50% lower cost, and with roughly 15% more eligible credits than traditional providers. More than 500 companies across technology, energy, manufacturing, architecture, and agriculture have used Onshore to uncover and defend over $600 million in R&D credits, 179D deductions, and cost-segregation benefits. The company positions itself as a replacement for manual, billable-hour tax services, emphasizing precision, transparency, and speed. With $46 million raised to date, Onshore plans to extend its intelligent-automation approach beyond tax credits into broader financial and accounting workflows that support corporate compliance and reporting.

Team