The rise in investments indicates a resurgence of investor trust and improved outlooks for the industry following 2024, which represented the third year running of decreased global funding. Fintech firms amassed $43.5 billion via 6,464 transactions in 2024. Nonetheless, the 2025 numbers are still noticeably lower than the landmark year of 2021, when fintech investment reached $136.5 billion.
Top Performers by Deal Count
Payment solutions and crypto platforms were the primary forces behind investment activity during 2025. The largest transaction of the year was secured by crypto exchange Binance, which obtained $2 billion in funding from the MGX fund. Other substantial rounds included $800 million for Kraken, $650 million for FNZ, and $500 million for Ripple.
Additionally, the report highlights significant activity within the secondary market. Specifically, Revolut executed secondary market deals valued at $3 billion, resulting in an increase in the company’s valuation to $75 billion and reinforcing its position as the foremost technology enterprise in Europe.
Investment Locations
The US continues to dominate in fintech investment, attracting $25.1 billion in 2025, considerably more than other markets. The UK ranked second with $3.6 billion, succeeded by India ($3.4 billion), the UAE ($2.5 billion), and Singapore ($2 billion).
In total, Europe garnered $8.8 billion, demonstrating a 7% over the year rise. By contrast, investment in the US grew by 13% and in other global regions by 46%, underscoring the amplified significance of new and emerging markets.
Within the UK, investment was dispersed across 534 transactions and surpassed the total investment amount in the subsequent five European nations combined, in spite of a slight increase of only 0.4% compared to 2024. The UK government regards fintech as a crucial priority, endorsing initiatives like the National Payments Vision and the PISCES private equity trading platform.
Challenges in Sustaining Dominance
Speaking on the findings, Innovate Finance CEO Janine Hirt depicted the UK’s fintech sector as “flourishing” and stimulating economic progress, efficiency improvements, financial inclusivity, and the creation of thousands of employment opportunities annually, though cautioned that other nations were swiftly enhancing their development rate.
In her view, to uphold global leadership, it is imperative to expedite regulatory changes, broaden companies’ access to growth capital, and continue to cultivate an appealing setting for both local and international entrepreneurs and investors.