Updated Apr 24, 2026
Score 27
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Fluency

Ranked #703 of 1,000+ cybersecurity companies
Profile
INITIALIZING DATA STREAM...

Overview

Legal Name
Fluency
Founded
2019
Crunchbase Rank
#64900

Supercharging finance and cybersecurity innovation

Fluency is a cryptographic infrastructure company. We build platforms that keep critical systems operating during network outages, power failures, cloud disruptions, and adversarial attacks, where continuity isn't optional. Our core technology, the Virtual Secure Element (VSE), replaces hardware trust anchors (HSMs, TEEs, secure elements) with a fully software-defined cryptographic engine: post-quantum resilient, infrastructure-free, and deployable on any device - from drones and satellites to edge nodes and mobile platforms. We serve governments, critical infrastructure operators, national security actors, and major financial institutions. Our partners and appointments include the European Central Bank, Mastercard, and U.S. Government agencies. Fluency is a member of the Bank of England AI Consortium.

Industries
Financial SoftwareComputer and Network SecurityNetwork Management SoftwareCybersecurityInfrastructureSaaSArtificial Intelligence & Machine LearningFinTech
Type
Privately Held
Social Media

Company Size

Employees
 
43
Range11–50 employees
110K+

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Headquarters

590 Madison Ave, New York, NY 10022

Followers

 
2,638

Press Coverage

DateArticlePublisher
May 8, 2025Fluency to test offline and programmable payments for ECB's digital euro projectFinextra Research
May 7, 2025ECB partners with Fluency to optimise offline digital euro capabilitiesPaypers
May 7, 2025ECB Partners with Fluency to Advance Offline & Programmable Digital Euro CapabilitiesFF News | Fintech Finance
May 6, 2025ECB selects Fluency for Digital Euro trials on programmable and offline paymentsIBS Intelligence
May 6, 2025ECB Partners with Fluency to Advance Offline & Programmable Digital Euro CapabilitiesYahoo! News
May 6, 2025ECB Partners with Fluency to Advance Offline & Programmable Digital Euro CapabilitiesAP News
May 6, 2025ECB Partners with Fluency to Advance Offline & Programmable Digital Euro CapabilitiesMarketWatch
Jan 18, 2024World Economic Forum Davos Panel Backs CBDCs, Rejects Dogecoin; Ripple CEO Says 'I Don't Get It'Nasdaq
Aug 26, 2023Mastercard partners with Fluency - We Need Instant Payments AND Central Bank Digital CurrenciesForbes

Specialties

Deeptech InnovationTrusted ComputingFinancial System ModernizationIntelligent Payments InfrastructureCyber-Physical SecurityResilient Digital InfrastructureAdvanced CryptographyOperational ContinuitySecure TransactionsPayment TechnologyInfrastructure SecurityCritical Infrastructure ProtectionHigh-Resilience SystemsAI-Enabled Financial SystemsOffline Payments ArchitectureAI SecurityMission-Critical Financial InfrastructureComputational SecurityVirtual Secure Element Architecture (Software-Based)

Categories

Artificial Intelligence (AI)Cyber SecurityDecentralized Finance (DeFi)Enterprise SoftwareFinancial ServicesInformation TechnologyQuantum ComputingSoftware

Event Appearances

2 events
DAVOS 2024
Jan 15, 2024·Speaker
Web Summit 2019
Nov 4, 2019·Speaker

Product

NameDescription
Digital FinanceA platform enabling secure, scalable transactions across multiple systems both online and offline, ensuring transparent and tamper-proof records.
Cybersecurity SolutionsSoftware and hardware cybersecurity solutions designed to eliminate single points of failure and provide end-to-end encryption and granular permissions.
Artificial Intelligence Integration in Financial ServicesAI tools combined with blockchain to analyze large unstructured data sets and improve banking risk management and threat detection.