Institutional investors may have jumped the gun on financing, but their judgments are generally quite accurate. Ordinary retail investors have finally gained a pretty good entry opportunity—the companies that could shape the entire fintech landscape over the next ten years.

Everyone knows how the market performed last year. The entire IPO market in 2025 will be characterized by one word: cold. Downward financing and low-valuation issuances have become the norm. But what does this precisely mean? It means that those entering now will have lower costs.

Looking ahead, once the market sentiment in the fintech sector improves, how much room for rebound will there be? Think about those high-quality tracks that were wrongly overlooked. The market expectations in 2026 are clearly different. The upward momentum is coming.