Crema helps freelancers get paid internationally. With Crema, users get a full payments and collections suite to help them charge international clients, and automatic collection for clients who have past due invoices.

Crema

Valuemetrix helps investors make smarter decisions with real-time data, news, and AI-driven insights. Our AI chatbot simplifies complex information, giving you clear guidance for confident investing.

Valuemetrix

Transforming the way finance professionals conduct qualitative public market research.Hey everyone 👋

I'm thrilled to share that after nearly a year in our commercial phase, we're finally launching Quartr on Product Hunt! Let me give you a quick glimpse into our journey and what we offer.

Founded in 2020 by me alongside four other investors who connected through Twitter, Quartr has emerged as one of the largest, if not the largest, distributor of investor relations material globally through a variety of services.

Accessing IR material used to be a time-consuming task, often involving cluttered and poorly updated websites. Quartr now solves this by centralizing first-party data from over 10,000 public companies in one place. Unlike most financial research platforms, we focus on qualitative data rather than quantitative, by going beyond the numbers and focusing on the narratives companies are trying to tell.

We were recently named one of Fast Company's Most Innovative Companies for 2024, alongside giants like Apple and the Bank of Montreal. We've also grown to reach over 18 million end-users globally. Financial backing from prominent European investment firms such as Öhman and Yanno Capital, as well as influential figures like Ben Gilbert and David Rosenthal of the Acquired podcast, further underscores Quartr's broad appeal and validates our value proposition.

Quartr offers three products tailored to different needs:

🖥️ Quartr Pro: This research platform for business desktop use assists finance professionals to increase productivity and uncover qualitative insights about public companies worldwide. Whether you're seeking detailed summaries or specific data points in slide decks, transcripts, or filings, Quartr Pro enables you to find it in seconds with the help of generative AI.

📱Mobile App: The Quartr mobile app is designed to make financial research more convenient and accessible. The app allows you to effortlessly follow the companies you care about by providing tailored notifications for content updates, as well as free access to live and recorded earnings calls, searchable transcripts, and more.

⚙️ API: Our API offering enables clients to build custom solutions using our unique database of IR material, which covers live and recorded events from companies worldwide, transcripts backlog, slide decks, and more.

Download the Quartr mobile app and try it for free. If you're a professional and prefer desktop use, request a free Quartr Pro trial.

We hope you love our products – please let us know if you have any feedback or questions. Last but not least, a shoutout for the valuable advice from our amazing hunter @chrismessina  🤝

//Oscar@oscar_kuntzel congrats on the launch! Quartr is such a beast — I really appreciate your emphasis on creating a high quality native dataset as a core differentiator. 

Lots of makers claim their products are "game changers", but in the case of Quartr, you've earned that distinction.Thank you @chrismessina! Really appreciate the kind words and we will do our best to keep on delivering a game changing experience 🙏@oscar_kuntzel congrats on the launch! 🚀 It's been amazing to follow your journey this far and I'm looking forward to see you take it all the way to the moon. 😂@chrismessina @antonikozelski Thanks Antoni! For sure!Congrats on the launch! Really interesting product for the finance guys. All the best and keep going!@sajin_s Thank you Sajin! Appreciate the kind words 🙌Wow! Amazing to see a database of knowledge like this

Who do you think as your typical customer?@casper_brix Thanks! Our ideal customer depends on which one of our products that you are using. But more often than not, if you are a long-term investor or market participant conducting qualitative research and want to "go beyond the numbers", you will definitely find Quartr useful. Our customers currently include buy-side, sell-side, investment bankers, consultants, IR departments, and journalists on the Quartr Pro side, and hedge funds, AI startups, brokers, and media on the API side. We recommend starting out with the free mobile app and you will quickly realize the problem it solves 👌@Oscar Küntzel Congratulations on your new launch 🚀. I admire your desire pattern at Quartr ☺️Will you be needing a product designer?

Quartr

Unlike traditional HR platforms, Central automates everything you need to operate a compliant US startup, like state registrations, worker's compensation and other filings – saving weeks of work, headaches and fines. Join 100+ companies that run on Central.Hey Product Hunt people - I have a confession. 

I’ve paid over $20,000 in government fines.

At my last YC W20 company, Clayboard, I only wanted to design and build. Instead, I was constantly drowning in back-office work related to payroll, benefits and government filings. Even with the currently recommended solutions, it was a never-ending pain in the...

Why do makers need to understand all this stuff?

Why do we still have to register in multiple states to run payroll, set up worker's compensation, pay random payroll-related taxes, deal with scary government mail, update addresses across state filings, and troubleshoot with insurance companies?

This is why for the past year and a half, @joshwymer, @pranavkash & I have been building Central.

——————

🥁 ENTER CENTRAL

Central is the first back-office platform designed for busy founders rather than HR/finance professionals.

Unlike other platforms, Central handles all the related compliance work and government filings from start to finish. There's no jargon to learn and there's no extra hidden work.

Think of Central as abstracting away the government and also declarative, i.e., you send offers to people, and Central does everything else automatically. 

Here’s everything you get when you sign up:

1️⃣ Payroll & compliance
- Hire and pay anyone globally
- Offer letters, NDAs, I-9 verification, and more.
- Automated payroll state registrations
- Automated payroll tax filings
- Automated worker’s compensation insurance
- Government mail monitoring

2️⃣ Business compliance & insurance
- Foreign qualifications & city registrations
- Continuous BOI reporting to FinCEN
- General liability insurance & other business insurance

3️⃣ Benefits
- Medical, dental & vision insurance
- Life insurance
- 401k

4️⃣ <4 min support
- Shared Slack channel, phone, email support
- White glove migration from existing providers
- Dedicated payroll & benefits expert.

5️⃣ Slack integration to get stuff done fast
- Retrieve company info & docs
- Update employee info
- Access personal docs
- Track offers & payroll
- Breakdown paystubs

Central is the product I wish I had at my last company. 

——————

Today, 100+ companies run on Central and I'm so excited to finally share Central with all of you:
https://centralhq.com

Please leave your first impressions and feedback below 👇@joshwymer @pranavkash @nilay_modi Well done on the launch! Wishing you continued success and growth. How did you come up with the idea?@kjosephabraham Thank you! This was born out of our own pain and we’re building the product we wish we had.Nailed the claim. A similar system should be introduced to Europe countries as well. Because when you want to do something here, it takes sooooo much time :DI can imagine this being a huge issue in the US! 

Does it work in Europa as well? We have easier cross-border regulations in the EU but not for a lot of countries.@casper_brix We're focused on U.S. based companies right now, but agree it would be useful in the EU as well!This product is truly incredible.  Every startup founder should sign up for this - it's the perfect blend of why AI is so damn exciting!

Central (YC S24)

Start a home loan anonymously with our ultra-secure app. Get lender-ready and connect with privacy-focused lenders without revealing personal information. Product Hunters are tech leaders—perfect for exploring Aster Key to protect friends and family's data!Hello, Product Hunters! ❤️

I’m Brad Blumberg. Along with my brother Eric and our fantastic team of makers, I’m excited to introduce Aster Key—a groundbreaking app for lenders and privacy-conscious consumers. 

Today, we announce an industry first: 
You can start a mortgage process anonymously with mainstream lenders in the United States. 

Our previous start-up made waves with mobile apps and data solutions for the residential real estate industry. That company was acquired, and we founded Aster Key out of frustration with financial institutions’ vulnerabilities to cyberattacks and data breaches. 

Yes, our data has been hacked from lender databases! This was in the news this week: "Massive data leak may include the personal data of every person in the US, UK, and Canada," so maybe you've experienced losing your data as well. 

The Problem

When you apply for a mortgage, the harsh reality is that your data is treated like a hot potato—passed between lenders, tech vendors, and intermediaries. This exposes your confidential information to numerous massive, centralized servers, making it a prime target for hackers.

Our Solution

🏦 Aster Key provides a channel for mainstream lenders, enabling consumers to bypass the initial application process and start their loans anonymously.

💪 Empower Consumers: Our free and ultra-secure Aster Key app gives consumers control over their financial and personal data.

Aster Key’s Security Features

🔒 Secure Storage: Financial data is encrypted and stored directly on the consumer's mobile phone, never on our servers.
🔒 Data Anonymization: Personally identifiable information is removed from financial data, which is then encrypted and stored separately.
🔒 Automated Verification: Financial data is updated and verified via end-to-end encrypted integrations with Plaid and Argyle.
🔒 Field-Level Encryption: We aim to encrypt each piece of financial data individually with changing keys, not just at the database level.

Key Features for Consumers

🔒 Centralized view of all financial information for lifetime use.
🔒 Dynamically generated personal financial statements and proof of funds.
🔒 Single passphrase and biometric authentication for enhanced security.
🔒 Anonymous Communication: Protects email address when contacting lenders.
🔒 A private, ad-free environment.
🚀 Anonymous mortgage initiation.

Additionally, the app allows you to create verified financial statements and self-serve automated proof of funds letters in the U.S. and several supported countries. We’re planning global expansion, so feel free to reach out if you’re interested in collaborating.

Unlike other finance apps like NerdWallet or Credit Karma, Aster Key prioritizes data privacy and ownership, not marketing your data. We're embracing defi principles and have an on-chain, Web3 roadmap.  Today, we turn your mobile phone into a decentralized node, a mainstream on-ramp to the future.

As Product Hunters, you’re likely the tech-savvy person in your circle—whether at work or in your personal life. Together, we can protect people’s financial assets, and we’d love your feedback and support. ❤️ Thank you.@bradblumberg Cool Product, How quickly can I start a mortgage application using Aster Key?@giorgi_khatiashvili2 If you are looking for a home in the United States—TODAY! Just download the app from iTunes or Google Play. We'll work on other countries where we can verify data. If you are in countries supported by Plaid, you can create ultra-secure financial statements and a proof of funds letter on your mobile device (we don't store them on servers) to start your journey and share them with your lenders when ready.  In the US, we have lenders in our marketplace in every state.@kjosephabraham Thank you for the question, Joseph. The hard part was getting all your financial data verified on YOUR mobile phone while not storing any of it on Aster Key servers! But my favorite feature is that you can Start Your Loan Anonymously with MAINSTREAM lenders. That breakthrough, having customers, is huge for a start-up!Question: Who validates and manages the ledger that says you're capable of handling the mortgage? This anonymouse certificate must be managed somewhere and updated continuously?@sentry_co  Your phone connects you to validating sources, which update when you open the app. We use services like Plaid and Argyle to verify assets, debts, and income. Unlike other apps, we encrypt that data end to end and strip out the personally identifiable information. On your phone, your financial and personal data are stored and encrypted separately. We proof-hash the data to ensure it is not tampered with, but no lender can use the proofs yet, so it's not on-chain (yet) in that manner, but it will be as we build internal tools for lenders. It's a process to change everything :).@bradblumberg Nice. So Plaid and Argyle will be the authority of valid assets. That's cool they have a lot of skin in the game. That was the issue before. all these mortgage aggregators had no skin in the game so they just Yolo'ed your financial data. How long does the financial data and person data stay separate. until you sign the loan docs. or before that in some due dil process? I guess the most important phase is to guard the aggregation phase. where you get different offers etc? Really cool stuff! can't wait for this to go global. then we are moving away from malignant  "Social score systems" and into more benign "decentralised fair game systems".This is actually awesome — a way for consumers to apply for mortgages without leaking their identity or financial info to data brokers!

The dirty secret of high value transactions like this is that they're swarming with hungry data brokers who are looking for every chance to buy, aggregate, and sell warm leads to loan providers.

@bradblumberg was fed up with this problem and realized that he could build a pipeline for savvy, forward-looking providers that are willing to give their customers a piece of mind by not harvesting personal information unless and until the consumer has picked a vendor.

There's a bunch of fancy on-device encryption and anonymization that makes this all work behind the scenes and the Aster Key team is finally ready to take on banking, mortgage, and credit union customers who want to offer a more secure, privacy-preserving approach to mortgage applications.@chrismessina Thank you. You embody what Product Hunt means to many people, such as community, curiosity, and constructive feedback from people who love to build and solve problems. Thank you for your support and comments.Congrats on the launch! This could be a game-changer. 

Happy to check out an industry-first product. 

Good luck!@millisen  As you note, Milli, the key is the industry getting on board, and we are closing a lender a week on average, so we are pushing up the hill!

Aster Key

Provisian is an all-in-one financial planning platform designed for both RIAs and consumers. Chart your path to financial success with account aggregation, cash flow management, tax insights, and predictive analytics.👋 Hey Everyone! We’re John and Micah, the founders of Provisian!

We've been working hard to build Provisian, a comprehensive financial planning platform for both individuals and registered financial advisors (RIAs). While many solutions focus on short-term budgeting, Provisian provides insights into how “macro-decisions” can affect your financial outcomes years (or even decades) into the future.

With Provisian, you can assess whether your financial plan is on track to meet your needs and goals, addressing questions such as:

- How might inflation impact my purchasing power over the next decade?
- What effect will increasing my 401(k) contributions have on my retirement savings?
- How does purchasing a home in 10 years affect my retirement plans?

In the past, answering these questions has required expensive software, an understanding of complex reports, and extensive training. We believe that this restricts many people from reaching their long term financial objectives. That’s why we’re excited to introduce Provisian— an accessible and comprehensive financial planning platform.

If you’re a financial advisor working with clients or an individual who wants to take control of your own finances, you’ll be able to seamlessly:

- Build a holistic view of your finances with integrations into over 11,000 institutions.
- Manage key assumptions like inflation, projected returns, and market volatility.
- Generate actionable insights for cash flow management, investment planning, and tax optimization.
- Create dynamic, easy-to-understand reports to help you achieve your financial goals.

For advisors, Provisian also offers:

- Collaboration with an unlimited number of clients.
- Customizable color themes to align with your firm’s branding.

We appreciate your support and feedback! To celebrate our launch on ProductHunt, we’re offering a 14-day trial to explore Provisian. We can’t wait for you to try it out! 😊Congrats on the launch guys! Super excited to follow along. For personal users, it seems like this will go beyond what mint or personal capital provided, is they right?I used to work in fintech and I know how needed a product like this can be. Wealthfront had a great life path feature but they stopped developing it after the acquisition. 

congrats on the launch John and Micah!Thanks so much for the support, @danielwchen! We definitely agree, and welcome any feedback you have as you compare the two experiences. Lots more to come!This is a super cool tool. Can it help those in Canada too? I know we're a tiny market but hope it comes here too. 
Also, I wonder if you guys can have a free version for individuals where it is free if you use certain banks or insurance companies etc. so you guys get your revenue from them instead of the user. I see a huge potential where individuals who are smart enough to know that they need something like this but not smart enough to be financial professionals themselves, to use this with all bank accounts and even credit card data flowing in, monitor personal cashflow, and help sell some insurances such as life insurance etc., based on the individual earnings, spending habits, and excess cashflow each month. And then sell some investment products to help save for the big purchase, retirement, etc., all personalized based on a particular person's situation and goals.

Provisian

Keep track of your finances with FinGrow, an easy-to-use app designed to help you manage your money better. Whether you're saving up or just trying to stay on top of your spending, FinGrow has got you covered.Keep track of your finances with FinGrow, an easy-to-use app designed to help you manage your money better. Whether you're saving up or just trying to stay on top of your spending, FinGrow has got you covered.

Track Your Transactions
Log all your expenses and income in one place. You can set up recurring entries for regular transactions and get reminders so you don't miss anything important. The upcoming expenses feature and widget help you stay prepared, and with powerful search, you can easily find past transactions. Plus, the app converts currencies for you, making it super easy to handle transactions in different currencies.

Flexible Budgeting
Creating and managing budgets is a breeze with FinGrow. See an overview of your spending and track your progress with past budgets. If you like zero-based budgeting, we’ve got that too. You can also set aside money for savings and get monthly reminders to keep you on track. The remaining budget widget helps you see how much you have left to spend.

Forecast & Manage Debts
Keep an eye on your debts with FinGrow’s debt forecast feature. Create and edit debt entries, track your repayments, and get a clear view of your financial future. Managing debt has never been easier.

All Your Finances in One Place
Manage multiple accounts easily with FinGrow. Customize the app with unique icons and use the auto capture feature to log transactions automatically. Your data is safely synced across all your Apple devices with iCloud.

Why FinGrow?
FinGrow isn’t just another finance app—it’s your go-to for managing your money. With useful features, a simple design, and easy navigation, FinGrow helps you take control of your finances and make smart decisions. Join our community of users who are making their financial lives easier, one transaction at a time.

Download FinGrow today and start managing your money better!@chethan_bm Thank you! Excited to hear what you think!@a_zelenkov So happy to hear it Alexander! Thank you for all your support!The design looks nice. Seemingly easy for anyone to use.
Given that there are literally hundreds (if not thousands) of similar apps out there, how does FinGrow Finance differentiate itself?@naomigarcia Thank you! FinGrow's biggest strength it's logical, flexible and simple approach to budgeting and managing money - along with a clean and clear interface. 

Finances can easily be over complicated, and apps often push users into a very specific budgeting / management method - where FinGrow lowers the guardrails and allows users to manage their money the way they want to - albeit a method itself, it is more flexible than other apps out there. 

And this is just the beginning, a solid foundation for a range of exciting additions and improvements - and that's what I'm truly excited for. 

Thanks for checking FinGrow out! Truly appreciate your support!FinGrow looks nice! Excited to see how it helps with budgeting and tracking expenses. Definitely upvoting—great job, @matthew_norris@yansoul Thank you for the kind words! Really appreciate it!This looks like a solid app for personal finance management! @matthew_norris, I’m curious, how does the app ensure data security, especially when syncing across devices? And what sets FinGrow apart from other budgeting tools in terms of ROI?@charles_ Great questions!

I've taken security and privacy within FinGrow very seriously - first, all data collected within FinGrow is stored securely in iCloud or locally on your device. This means that not even FinGrow or anyone else besides you can access, create, update, or share your information.

FinGrow does not have user accounts, and does not sell your information to anyone.

WRT what sets FinGrow apart: Finances can easily be over complicated, and apps often push users into a very specific budgeting / management method - where FinGrow lowers the guardrails and allows users to manage their money the way they want to - albeit a method itself, it is more flexible than other apps out there.

Thank you for your interest Charles!

FinGrow Finance

Bye-bye, financial headaches 👋🏻 

Booky makes tracking business finances a breeze! Organize income and expenses fuss-free. Your data? Encrypted and secret. Your wallet? Happy. Perfect for entrepreneurs who'd rather hustle than juggle numbers.

Booky

How much is your software company worth? Calculate the value of your B2B SaaS, with this free SaaS valuation calculator using 2024 multiples.

B2B SaaS Valuation Calculator

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