By Stephen Gandel
June 27, 2016

Recent research by Citigroup (c) projects that revenues of financial technology startups will leap 10 times, to more than $100 billion, in the next four years. Here are a handful of companies with major growth potential.

Digital Assets Holdings
Year founded: 2014
Notable Investors: Citigroup, IBM

Blythe Masters, chief executive officer of Digital Asset Holdings LLC, gestures as she speaks at the Bank of England Open Forum at the Guildhall in London on Wednesday, Nov. 11, 2015.

Blythe Masters, chief executive officer of Digital Asset Holdings LLC, gestures as she speaks at the Bank of England Open Forum at the Guildhall in London on Wednesday, Nov. 11, 2015.Bloomberg Bloomberg via Getty Images

High-frequency traders can swap stocks in milli­seconds, but it still takes a day or more for the money to move in many of Wall Street’s markets. Digital Asset Holding plans to speed that using blockchain—the technology behind Bitcoin. Blythe Masters, a pioneer of credit default swaps at JPMorgan Chase, joined as CEO last year.

Kensho
Year founded: 2013
Notable investors: Goldman Sachs, Xfund

Kensho CEO Daniel Nadler
Photo courtesy of Kensho

It’s Siri for Wall Street. The AI software uses big data to analyze new events, answer traders’ questions, and spit out reports predicting where markets are headed. Kensho has the potential to replace the Street’s trove of market strategists, and its ability to crunch data and offer advice should make investment bankers nervous too.

SoFi
Year founded: 2011
Notable investors: Peter Thiel, Softbank

Michael Cagney

Michael CagneyPhotograph by Elena Graham

SoFi, the online lending platform, made a splash earlier this year with a Super Bowl commercial trying to appeal to upwardly mobile millennials. The lender has drawn scrutiny for using an internal hedge fund to fund its loans. But SoFi has a lower default rate than its rivals, and Moody’s recently rated the company’s debt triple A.

Stripe
Year founded: 2011
Notable investors: Andreessen Horowitz, Elon Musk

Stripe co-founders Patrick (left) and John Collison (right)

Stripe co-founders Patrick (left) and John Collison (right)

Stripe’s platform allows any company to begin accepting customer payments in minutes—either by credit card or directly from a bank account. And Stripe wants to compete globally. In early June, when rival PayPal said it was pulling out of Turkey, Stripe CEO Patrick Collision tweeted in Turkish that his company was open for business.

Ripple
Year founded: 2012
Notable investors: Andreessen Horowitz, Barry Silbert

Ripple Labs CEO Chris Larsen at Fortune Brainstorm Tech 2014 in Aspen, Colo.

Ripple CEO Chris Larsen at Fortune Brainstorm Tech 2014 in Aspen, Colo.Photo: Kevin Moloney/Fortune Brainstorm TECH

Ripple is using a blockchain technology to create a better way to process payments. Already the start-up, which for now specializes in cross boarder transactions has had a number of banks sign to test its protocol, including Santander and UBS. Ripple says its technology is one-third cheaper than what the banks use now, and can complete transactions in seconds instead of days. And Ripple has good fintech pedigree. It was founded by Chris Larsen, who also started peer-to-peer lender Prosper.

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