{
  "slug": "us-fintech",
  "name": "US Fintech & Payments",
  "updated": "2026-10-02",
  "page": "https://godofstartups.com/atlas/markets/us-fintech",
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "facts": [
    {
      "metric": "Increase in median Series A pre-money valuation versus 2021 peak, US",
      "value": "89.9",
      "unit": "percent",
      "geo": "US",
      "period": "2026-H1",
      "tier": 1,
      "status": "ready",
      "url": "https://nvca.org/wp-content/uploads/2026/07/Q2-2026-PitchBook-NVCA-Venture-Monitor.pdf"
    },
    {
      "metric": "Average early-stage venture debt deal value, US",
      "value": "134.7",
      "unit": "USD million",
      "geo": "US",
      "period": "2026-H1",
      "tier": 1,
      "status": "ready",
      "url": "https://nvca.org/wp-content/uploads/2026/07/Q2-2026-PitchBook-NVCA-Venture-Monitor.pdf"
    },
    {
      "metric": "US venture debt issuance to VC-backed companies",
      "value": "64.7",
      "unit": "USD billion",
      "geo": "US",
      "period": "2026-H1",
      "tier": 1,
      "status": "ready",
      "url": "https://nvca.org/wp-content/uploads/2026/07/Q2-2026-PitchBook-NVCA-Venture-Monitor.pdf"
    },
    {
      "metric": "US Finance and Insurance sector businesses currently using AI",
      "value": "33.9",
      "unit": "percent",
      "geo": "US",
      "period": "2026-05",
      "tier": 1,
      "status": "ready",
      "url": "https://www.census.gov/library/stories/2026/05/ai-use-businesses.html"
    },
    {
      "metric": "US credit card delinquency rate, all commercial banks",
      "value": "2.92",
      "unit": "% of outstanding credit card balances 30",
      "geo": "US",
      "period": "2026-01",
      "tier": 1,
      "status": "ready",
      "url": "https://fred.stlouisfed.org/graph/fredgraph.csv?id=DRCCLACBS"
    },
    {
      "metric": "Median gross non-credit-card fraud loss among adults with family income below USD 50000",
      "value": "400",
      "unit": "USD",
      "geo": "US",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://www.federalreserve.gov/publications/2026-economic-well-being-of-us-households-in-2025-banking.htm"
    },
    {
      "metric": "Share of US first-time VC financings going to all-male founding teams",
      "value": "78.8",
      "unit": "percent of deal count",
      "geo": "US",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://nvca.org/wp-content/uploads/2026/01/q4-2025-pitchbook-nvca-venture-monitor.pdf"
    },
    {
      "metric": "Share of US VC deal value invested in the largest 0.05 percent of deals",
      "value": "50",
      "unit": "percent of deal value",
      "geo": "US",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://nvca.org/wp-content/uploads/2026/01/q4-2025-pitchbook-nvca-venture-monitor.pdf"
    },
    {
      "metric": "Median age of US VC-backed company at seed round",
      "value": "2.38",
      "unit": "years",
      "geo": "US",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://nvca.org/wp-content/uploads/2026/04/2026-YB-Public-PDF.pdf"
    },
    {
      "metric": "US median pre-seed VC deal size",
      "value": "0.5",
      "unit": "USD million",
      "geo": "US",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://nvca.org/wp-content/uploads/2026/01/q4-2025-pitchbook-nvca-venture-monitor.pdf"
    },
    {
      "metric": "US pre-seed and seed venture deals",
      "value": "5049",
      "unit": "VC deals",
      "geo": "US",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://nvca.org/2026-nvca-yearbook/"
    },
    {
      "metric": "Average debit card interchange fee per transaction charged by exempt small issuers on dual-message networks",
      "value": "0.61",
      "unit": "USD per transaction",
      "geo": "US",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://www.federalreserve.gov/paymentsystems/regii-average-interchange-fee.htm"
    },
    {
      "metric": "U.S. household BNPL missed-or-late-payment incidence among BNPL users",
      "value": "12.8",
      "unit": "% of households that used Buy Now, Pay Later in the past 12 months and missed or made a late payment on at least one BNPL purchase; lower-income BNPL users 21.4% vs $75k+ income BNPL users 9.4%",
      "geo": "US",
      "period": "2023",
      "tier": 1,
      "status": "ready",
      "url": "https://www.fdic.gov/household-survey/2023-fdic-national-survey-unbanked-and-underbanked-households-report"
    },
    {
      "metric": "Share of US employer businesses that applied for credit and received none of it",
      "value": "7.2% (2023) vs 10.8% (2020)",
      "unit": "% of employer businesses that applied for new credit and received none of the requested amount; 2023 Annual Business Survey (ABS), US Census Bureau",
      "geo": "United States",
      "period": "2023",
      "tier": 1,
      "status": "ready",
      "url": "https://www.census.gov/library/stories/2026/02/business-financial-health.html"
    },
    {
      "metric": "Share of Buy Now, Pay Later users making between two and ten purchases in a year",
      "value": "59.2",
      "unit": "percent of BNPL-using households",
      "geo": "US",
      "period": "2023",
      "tier": 1,
      "status": "ready",
      "url": "https://www.fdic.gov/household-survey/2023-fdic-national-survey-unbanked-and-underbanked-households-appendix-tables"
    },
    {
      "metric": "Households that used Buy Now, Pay Later in the past 12 months",
      "value": "3.9",
      "unit": "percent of all households",
      "geo": "US",
      "period": "2023",
      "tier": 1,
      "status": "ready",
      "url": "https://www.fdic.gov/household-survey/2023-fdic-national-survey-unbanked-and-underbanked-households-appendix-tables"
    },
    {
      "metric": "Unbanked households not at all interested in having a bank account",
      "value": "51.2",
      "unit": "percent of unbanked households",
      "geo": "US",
      "period": "2023",
      "tier": 1,
      "status": "ready",
      "url": "https://www.fdic.gov/household-survey/2023-fdic-national-survey-unbanked-and-underbanked-households-appendix-tables"
    },
    {
      "metric": "Share of US employer businesses receiving all the credit they applied for",
      "value": "57.2% (2023) vs 54.9% (2020)",
      "unit": "% of employer businesses that applied for new credit in the prior year and received the full amount requested; 2023 Annual Business Survey (ABS), US Census Bureau",
      "geo": "United States",
      "period": "2023",
      "tier": 1,
      "status": "ready",
      "url": "https://www.census.gov/library/stories/2026/02/business-financial-health.html"
    },
    {
      "metric": "Unbanked households whose main reason is not enough money to meet minimum balance requirements",
      "value": "23.3",
      "unit": "percent of unbanked households",
      "geo": "US",
      "period": "2023",
      "tier": 1,
      "status": "ready",
      "url": "https://www.fdic.gov/household-survey/2023-fdic-national-survey-unbanked-and-underbanked-households-appendix-tables"
    },
    {
      "metric": "Unbanked rate among households in the lowest family income band",
      "value": "21.8",
      "unit": "percent of households in the band",
      "geo": "US",
      "period": "2023",
      "tier": 1,
      "status": "ready",
      "url": "https://www.fdic.gov/household-survey/2023-fdic-national-survey-unbanked-and-underbanked-households-appendix-tables"
    }
  ],
  "note": "status: ready = two or more independent sources or an official series; proxy = one source; context = macro background, not a validation figure."
}