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Upstream aims to be the new home for your professional social life


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On the eve on the 2020 U.S. election, tensions are running high. The good news? 2020 isn’t 2016. Social networks are way better prepared to handle a wide array of complex, dangerous or otherwise ambiguous Election Day scenarios. The bad news: 2020 is its own beast, one that’s unleashed a nightmare health scenario on a […]n”,”protected”:false,”author”:113760560,”featured_media”:2068743,”comment_status”:”open”,”ping_status”:”closed”,”sticky”:false,”template”:””,”format”:”standard”,”meta”:”outcome”:””,”status”:””,”crunchbase_tag”:0,”amp_status”:””,”carmot_uuid”:”066d89d2-cdd8-32f2-9581-c002d634b63d”,”categories”:[15986864,13217,3457,17396],”tags”:[576686439,81819,576599632,599182],”crunchbase_tag”:[],”tc_stories_tax”:[],”tc_ec_category”:[],”tc_event”:[],”jetpack_featured_media_url”:”https://techcrunch.com/wp-content/uploads/2020/11/election-voting-GettyImages-1280031565.jpg”,”shortlink”:”https://tcrn.ch/3kTmIbd”,”rapidData”:”pt”:””,”pct”:””,”premiumContent”:false,”premiumCutoffPercent”:1,”featured”:true,”subtitle”:”Facebook and Twitter are bracing for many Election Day 2020 worst-case scenarios”,”seoTitle”:””,”seoDescription”:””,”tc_cb_mapping”:[“slug”:”facebook”,”cb_name”:”Facebook”,”cb_slug”:”facebook-organization”,”cb_link”:”https://crunchbase.com/organization/facebook”,”slug”:”twitter”,”cb_name”:”Twitter”,”cb_slug”:”twitter-organization”,”cb_link”:”https://crunchbase.com/organization/twitter”],”associatedEvent”:null,”event”:null,”authors”:[113760560],”hideFeaturedImage”:false,”_links”:”self”:[“href”:”https://techcrunch.com/wp-json/wp/v2/posts/2068738″],”collection”:[“href”:”https://techcrunch.com/wp-json/wp/v2/posts”],”about”:[“href”:”https://techcrunch.com/wp-json/wp/v2/types/post”],”replies”:[“embeddable”:true,”href”:”https://techcrunch.com/wp-json/wp/v2/comments?post=2068738″],”version-history”:[“count”:26,”href”:”https://techcrunch.com/wp-json/wp/v2/posts/2068738/revisions”],”predecessor-version”:[“id”:2069017,”href”:”https://techcrunch.com/wp-json/wp/v2/posts/2068738/revisions/2069017″],”authors”:[“embeddable”:true,”href”:”https://techcrunch.com/wp-json/tc/v1/users/113760560″],”https://techcrunch.com/edit”:[“href”:”https://techcrunch.com/wp-admin/post.php?post=2068738&action=edit”],”author”:[“embeddable”:true,”href”:”https://techcrunch.com/wp-json/tc/v1/users/113760560″],”wp:featuredmedia”:[“embeddable”:true,”href”:”https://techcrunch.com/wp-json/wp/v2/media/2068743″],”wp:attachment”:[“href”:”https://techcrunch.com/wp-json/wp/v2/media?parent=2068738″],”wp:term”:[“taxonomy”:”category”,”embeddable”:true,”href”:”https://techcrunch.com/wp-json/wp/v2/categories?post=2068738″,”taxonomy”:”post_tag”,”embeddable”:true,”href”:”https://techcrunch.com/wp-json/wp/v2/tags?post=2068738″,”taxonomy”:”_tc_cb_tag_taxonomy”,”embeddable”:true,”href”:”https://techcrunch.com/wp-json/wp/v2/crunchbase_tag?post=2068738″,”taxonomy”:”tc_stories_tax”,”embeddable”:true,”href”:”https://techcrunch.com/wp-json/wp/v2/tc_stories_tax?post=2068738″,”taxonomy”:”tc_ec_category”,”embeddable”:true,”href”:”https://techcrunch.com/wp-json/wp/v2/tc_ec_category?post=2068738″,”taxonomy”:”tc_event”,”embeddable”:true,”href”:”https://techcrunch.com/wp-json/wp/v2/tc_event?post=2068738″],”curies”:[“name”:”wp”,”href”:”https://api.w.org/rel”,”templated”:true],”_embedded”:{“authors”:[“id”:113760560,”name”:”Taylor Hatmaker”,”url”:””,”description”:””,”link”:”https://techcrunch.com/author/taylor-hatmaker/”,”slug”:”taylor-hatmaker”,”avatar_urls”:”24″:”https://secure.gravatar.com/avatar/747309cb9c48c7ea7566f1e57a1b9298?s=24&d=identicon&r=g”,”48″:”https://secure.gravatar.com/avatar/747309cb9c48c7ea7566f1e57a1b9298?s=48&d=identicon&r=g”,”96″:”https://secure.gravatar.com/avatar/747309cb9c48c7ea7566f1e57a1b9298?s=96&d=identicon&r=g”,”links”:”twitter”:”https://twitter.com/tayhatmaker”,”linkedin”:”https://www.linkedin.com/in/taylorhatmaker”,”crunchbase”:”https://www.crunchbase.com/person/taylor-hatmaker”,”position”:”Writer”,”cbDescription”:”

Taylor covers politics, platform policy, and big tech at TechCrunch. Prior to rejoining TechCrunch, Taylor was Senior Technology Editor of the Daily Beast. Taylor first joined TechCrunch in 2016. Prior to joining TechCrunch, she was the Tech Editor of the Daily Dot and a reporter and deputy editor at ReadWriteWeb.”,”cbAvatar”:”https://crunchbase-production-res.cloudinary.com/image/upload/cabdqmvycg5eabppjffy”,”twitter”:”tayhatmaker”,”_links”:”self”:[“href”:”https://techcrunch.com/wp-json/tc/v1/users/113760560″],”collection”:[“href”:”https://techcrunch.com/wp-json/tc/v1/users”]],”author”:[“id”:113760560,”name”:”Taylor Hatmaker”,”url”:””,”description”:””,”link”:”https://techcrunch.com/author/taylor-hatmaker/”,”slug”:”taylor-hatmaker”,”avatar_urls”:”24″:”https://secure.gravatar.com/avatar/747309cb9c48c7ea7566f1e57a1b9298?s=24&d=identicon&r=g”,”48″:”https://secure.gravatar.com/avatar/747309cb9c48c7ea7566f1e57a1b9298?s=48&d=identicon&r=g”,”96″:”https://secure.gravatar.com/avatar/747309cb9c48c7ea7566f1e57a1b9298?s=96&d=identicon&r=g”,”links”:”twitter”:”https://twitter.com/tayhatmaker”,”linkedin”:”https://www.linkedin.com/in/taylorhatmaker”,”crunchbase”:”https://www.crunchbase.com/person/taylor-hatmaker”,”position”:”Writer”,”cbDescription”:”

Taylor covers politics, platform policy, and big tech at TechCrunch. Prior to rejoining TechCrunch, Taylor was Senior Technology Editor of the Daily Beast. Taylor first joined TechCrunch in 2016. Prior to joining TechCrunch, she was the Tech Editor of the Daily Dot and a reporter and deputy editor at ReadWriteWeb.”,”cbAvatar”:”https://crunchbase-production-res.cloudinary.com/image/upload/cabdqmvycg5eabppjffy”,”twitter”:”tayhatmaker”,”_links”:”self”:[“href”:”https://techcrunch.com/wp-json/tc/v1/users/113760560″],”collection”:[“href”:”https://techcrunch.com/wp-json/tc/v1/users”]],”wp:featuredmedia”:[“id”:2068743,”date”:”2020-11-02T08:08:19″,”slug”:”santa-clara-county-demonstrates-its-voting-center-operations-and-guidelines”,”type”:”attachment”,”link”:”https://techcrunch.com/2020/11/02/2020-election-social-media-facebook-twitter-policies/santa-clara-county-demonstrates-its-voting-center-operations-and-guidelines/”,”title”:”rendered”:”Santa Clara County Demonstrates Its Voting Center Operations And Guidelines”,”author”:113760560,”license”:”source_key”:”getty images”,”person”:”Justin Sullivan/Getty Images”,”authors”:[113760560],”caption”:”rendered”:”

SAN JOSE, CALIFORNIA – OCTOBER 13: A view of voting booths at the Santa Clara County registrar of voters office on October 13, 2020 in San Jose, California. The Santa Clara County registrar of voters is preparing to take in and process thousands of ballots as early voting is underway in the state of California. 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takeaways from fintech VC in Q3 2020″,”content”:{“rendered”:”

Fintech has been a key startup story in recent quarters, with leading players in the genre raising titanic rounds at eye-popping valuations. Consider companies like Robinhood, and its epic capital run this year on the back of huge revenue growth, or Chime, which also raised huge sums while riding a tailwind provided by the savings and investing boom.n


n

The Exchange explores startups, markets and money. Read it every morning on Extra Crunch, or get The Exchange newsletter every Saturday.n


n

As you can imagine, all those mega-deals have added up. According to data collated by CB Insights on the fintech space in the third quarter, 60% of all capital raised by financial technology startups came from just 25 rounds worth $100 million or more. Adding to the trend of venture getting bigger u2014 and later as unicorns age without graduating to the public markets u2014 the same report noted that fintech investment from $100 million rounds grew 24% compared to Q2, while investment in the space from smaller deals fell 16% over the same timeframe.n

""Overall fintech deal volume dipped 24% compared to Q3 2019, totaling 451 global deals. But dollars invested into fintech startups edged up once again to $10.631 billion, the largest result thus far in 2020 and the second-best single-quarter tally since mid-2018.n

Oddly, it was the bottom, as well as the top of the market that did best. As we’ve seen, late-stage money flowed. But, notably, the number of the smaller venture rounds, those marked seed or angel, grew by 20% compared to Q2 2020.n

Perhaps the next crop of unicorns is being founded?n

Inside the CB Insights data are a few trends worth digging into, including what’s going on with venture investment into payments-focused startups, how the IPO market may be impacting insurtech investment, and how both wealth management startups like Robinhood and banking startups like Chime are faring as cohorts.n

The data is fascinating, so let’s get into the state of fintech investing today.n

Big trends, bigger dollarsn

We’re focused on four mega-trends today, but I wanted to start point out that African fintech startups saw what appears to be their all-time record in deal count at 14. That was up from 11 in Q2 2020, and nine in Q1. I’m working to pay more attention to the African tech scene, and those numbers stood out.n

As fintech deal count falls in the largest VC markets — North America, Europe, Asia — it is rising in Africa and Latin America, something to keep an eye on.n



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