Michael Degnan

FutureFuel.io (now Candidly) exists to crush student debt for America's 45M borrowers. On average, we shave at least $15k and half of a decade off of a user's student loans, through a personalized Student Debt FinHealth platform that facilitates corporate contributions as a workplace benefit, optimizes repayment plans, automates the management of unruly student loans, and gamifies rewards points and spare change across the household. Employees rank student debt assistance among their top 3 most important benefits, second only to salary. Employers who offer benefits designed to address student debt win love and loyalty in return. 86% of employees share that they would be willing to work for their employer for five years if receiving student debt relief. Salesforce just blogged about it. Fiserv just launched it, with $1.59M in rewards points to boot. We are backed by iconic VCs and corporate strategics that live at the intersection of FinTech, Social Impact, and the Future of Work: Salesforce Ventures, Fiserv, Rethink Impact, Vulcan Capital, Reach Capital, Financial Health Network (JPMC), the Impact Engine, and Reach Capital.

Candidly is on a mission to empower Americans to pay off debt while simultaneously building wealth. Since our founding in 2016, we’ve been defining what’s new, now, and next in financial wellness — with solutions ranging from comprehensive employee benefit offerings that help the modern workforce repay student debt, plan and pay for college, build emergency savings, and save for retirement, to sophisticated AI systems that enable financial and workplace services providers to deliver personalized guidance at scale. Through our partnerships with leading employers, workplace service providers, and financial institutions, Candidly is positioned to serve 1 in 2 U.S. workers. Candidly is backed by leading investors including Aflac, Equal Opportunity Ventures, Impact Engine, Rethink Impact, Salesforce Ventures, UBS, Unum, and Vulcan Capital. We’ve been recognized on a number of industry lists, including Fast Company’s Most Innovative Companies (2024), Forbes Fintech 50 (2023), and honored as a World Economic Forum Technology Pioneer (2025), an Inc. Magazine Best in Business Award winner (2023), a Wealth Management Industry Award winner (2023) and four-time Fintech Breakthrough Award winner (2022 - 2025). Visit getcandidly.com to learn more.

Sandbox is a universal adapter for banks and credit unions. It empowers financial institutions to quickly and safely connect new fintech software to existing systems. We found that collaborating with new fintech vendors is difficult for financial institutions due to data security and system integration problems. These issues decrease the ROI and speed-to-market of most projects. Sandbox enables complex banking integrations to be performed without writing code. Customers have used it to connect: - Web and mobile deposit/loan application platforms - Core processors - CRMs - Loan origination systems - Relationship pricing engines - Data warehouses Email us at team@sandboxbanking.com to learn more!

Over 50 Banks Trust Alpharank to tell them how to be better.

The Digital Onboarding adoption platform helps banks and credit unions turn account openers into engaged and profitable relationships. With personalized messages, microsites, and enrollment tools, the platform makes it easy to: ◆ Enroll in direct deposits in seconds ◆ Update default payment methods at multiple merchants at once ◆ Accept pre-approved offers with an eSignature ◆ Enroll in eStatements & Courtesy Pay without logging in ◆ Retrieve account & member numbers online ◆ Opt-in to email & text messages ◆ Adopt additional products ◆ And more! Banks and credit unions can easily track product and service adoption rates and compare their performance to 100+ institutions using the platform. The platform enables institutions to deliver highly personalized communications that are more effective and efficient than traditional welcome kits, mailers, basic emails, and phone calls. The platform was named the Salesforce Accelerate Pitch Competition Winner, FIS Fintech Accelerator MVP Award Winner, Mass Challenge Silver Award Winner, and CreditUnion.com’s Innovation Series Winner (Digital).

Darrery Capital is a seed-stage venture fund investing in financial services and enterprise software, led by a former senior banking executive with enterprise-wide innovation authority and a founding pioneer of the Neobank fintech category. We focus on “seed-adjacent” opportunities and generate alpha through distinctive industry insight and tradecraft that attract top founders and help de-risk execution. Backed by a top angel track record, we support founders creating enduring companies in a sector primed for transformation.

FutureFuel.io (now Candidly) exists to crush student debt for America's 45M borrowers. On average, we shave at least $15k and half of a decade off of a user's student loans, through a personalized Student Debt FinHealth platform that facilitates corporate contributions as a workplace benefit, optimizes repayment plans, automates the management of unruly student loans, and gamifies rewards points and spare change across the household. Employees rank student debt assistance among their top 3 most important benefits, second only to salary. Employers who offer benefits designed to address student debt win love and loyalty in return. 86% of employees share that they would be willing to work for their employer for five years if receiving student debt relief. Salesforce just blogged about it. Fiserv just launched it, with $1.59M in rewards points to boot. We are backed by iconic VCs and corporate strategics that live at the intersection of FinTech, Social Impact, and the Future of Work: Salesforce Ventures, Fiserv, Rethink Impact, Vulcan Capital, Reach Capital, Financial Health Network (JPMC), the Impact Engine, and Reach Capital.

Candidly is on a mission to empower Americans to pay off debt while simultaneously building wealth. Since our founding in 2016, we’ve been defining what’s new, now, and next in financial wellness — with solutions ranging from comprehensive employee benefit offerings that help the modern workforce repay student debt, plan and pay for college, build emergency savings, and save for retirement, to sophisticated AI systems that enable financial and workplace services providers to deliver personalized guidance at scale. Through our partnerships with leading employers, workplace service providers, and financial institutions, Candidly is positioned to serve 1 in 2 U.S. workers. Candidly is backed by leading investors including Aflac, Equal Opportunity Ventures, Impact Engine, Rethink Impact, Salesforce Ventures, UBS, Unum, and Vulcan Capital. We’ve been recognized on a number of industry lists, including Fast Company’s Most Innovative Companies (2024), Forbes Fintech 50 (2023), and honored as a World Economic Forum Technology Pioneer (2025), an Inc. Magazine Best in Business Award winner (2023), a Wealth Management Industry Award winner (2023) and four-time Fintech Breakthrough Award winner (2022 - 2025). Visit getcandidly.com to learn more.

Sandbox is a universal adapter for banks and credit unions. It empowers financial institutions to quickly and safely connect new fintech software to existing systems. We found that collaborating with new fintech vendors is difficult for financial institutions due to data security and system integration problems. These issues decrease the ROI and speed-to-market of most projects. Sandbox enables complex banking integrations to be performed without writing code. Customers have used it to connect: - Web and mobile deposit/loan application platforms - Core processors - CRMs - Loan origination systems - Relationship pricing engines - Data warehouses Email us at team@sandboxbanking.com to learn more!

Over 50 Banks Trust Alpharank to tell them how to be better.