Global fintech funding surged 27% to $51.8 billion in 2025 as AI-native platforms dominated the landscape. From Ramp's $22.5 billion valuation and $55 billion payment volume to Clear Street's $12 billion IPO filing and Rogo's Sequoia-backed push to build Wall Street's first AI analyst, these 10 startups represent the most consequential infrastructure plays reshaping global finance in 2026.