日本語
한국어
Tiếng Việt
简体中文
The US FinTech sector is poised for a significant slowdown, with projections indicating a 6% decline in total funding by the close of 2025. This downturn is largely attributed to a noticeable drop in large-scale investment rounds, as investors adopt a more cautious and selective approach.
Analysis of the first three quarters of 2025 reveals a contracting market, marked by a substantial reduction in deal activity and a moderate dip in overall capital inflows compared to the previous year. Specifically, total funding reached $35.9 billion, a 7% decrease from the $38.7 billion secured during the same period in 2024. Deal volume also suffered, plummeting by 21% to 1,230 deals from 1,557 in the prior year.
Despite the overall contraction in deal numbers, an interesting trend emerged: the average deal size increased. Rising from $24.8 million in the first nine months of 2024 to $29.2 million in 2025, this indicates a consolidation of capital into fewer, higher-value transactions. This suggests that while fewer companies are receiving funding, those that do are securing more substantial investments.
Projected Full-Year Funding Decline for US FinTech
Should the investment pace of the first three quarters hold steady, the US FinTech market is forecast to conclude 2025 with approximately $47.9 billion in funding across an estimated 1,640 deals. This projection represents a 6% reduction from the $51 billion raised in 2024 and a 12% fall in deal volume from the 1,868 deals completed last year. Under this scenario, the elevated average deal size seen year-to-date would persist, underscoring the shift towards more concentrated investment.
Investor Selectivity Hits Deals Over $100 Million
The investor landscape demonstrates a clear preference for prudence, with large investment rounds being particularly affected. In the first nine months of 2025:
- Deals under $100 million saw funding decrease by 5% to $15.2 billion, down from $16.1 billion.
- Conversely, deals valued at $100 million or more experienced an 8% drop, totaling $20.7 billion compared to $22.6 billion a year prior.
Projected for the entire year, funding for deals under $100 million is expected to reach around $20.3 billion, slightly surpassing 2024’s $19.2 billion. However, funding from deals exceeding $100 million is anticipated to decline by a significant 13%, reaching an estimated $27.6 billion, a notable decrease from 2024’s $31.8 billion. These figures highlight a resilient smaller deal market alongside a clear softening in large-scale investments, signaling an industry recalibration in response to evolving economic and regulatory climates.
Cyera Secures One of 2025’s Largest FinTech Deals with $540M Round
Amidst the challenging funding environment, Cyera, a leading FinTech specializing in AI-driven data security, emerged as a standout performer, securing one of the largest deals of the first three quarters. The company successfully closed a $540 million Series E funding round, led by prominent investors Georgian, Greenoaks, and Lightspeed Venture Partners.
Cyera’s platform is designed to empower enterprises to securely adopt generative AI and large language models by enabling organizations to effectively locate, classify, and protect sensitive data across their complex digital ecosystems. This significant investment has propelled Cyera’s total funding past $1.3 billion, doubling its valuation to an impressive $6 billion in under four years since its inception.
The fresh capital infusion will be strategically deployed to enhance Cyera’s product suite, pursue strategic acquisitions, and expand its global footprint to meet the escalating demand for secure AI deployment solutions. With a remarkable 4.5x year-over-year increase in its Fortune 500 customer base, a recent acquisition of Trail Security to launch Omni DLP, and operations now spanning 10 countries with nearly 800 employees, Cyera is firmly establishing itself at the forefront of facilitating responsible, enterprise-grade AI adoption.
Source: fintech.global