UNICORN CHALLENGE 2026 USA

Do you have a bold fintech concept ready to make its mark on the global stage?

The Women in Payments Unicorn Challenge, sponsored by PNC Bank is your chance to showcase your innovation, gain expert insights, and compete for meaningful recognition.

 Apply now for the opportunity to pitch alongside other female fintech founders to a panel of senior industry experts and a live audience of payments professionals at the Women in Payments USA 2026 Symposium. This is where ideas are tested, feedback is real, and opportunities to accelerate your start-up are within reach.

 Past winning start-ups from around the globe include LiquidTrust and FISPAN. 

 Why Enter?

  • Pitch – Share your solution with influential industry stakeholders.
  • Grow – Build your brand with industry-leading decision makers.
  • Collaborate – Showcase the power of partnerships between start-ups and market incumbents.
  • Stand Out – Demonstrate how your innovation is shaping the future of fintech.

 Prizes

  • Judges’ Choice: $25,000 + exclusive one-hour meeting with market leaders
  • Audience Choice: $5,000 (awarded via live audience vote)

 Terms and conditions apply. See below for more details.

Apply Now

Criteria

  • Your start-ups may be up to five years old, and up to Series-B funding
  • You can have a maximum of 1 presenter per organization
  • Submissions must include current photos and bio of presenter
  • Participating Fintech's must be female led and founded
  • Open only to US-based Fintech's.

Women in Payments reserves the right to grant or refuse, at its sole discretion, speaking opportunities to any applicant. Limited spots are available.


Terms and Conditions

Your team's submission in connection with the Women in Payments Unicorn Challenge ("Submission") will be evaluated by judges who will choose the winner in accordance with the rules established by Women in Payments ("WIP"). Judging criteria and rules can be found on the WIP Unicorn Challenge website. The decisions of the judges are binding and final in all respects. Prizes will be awarded based on criteria established by WIP. WIP reserves the right to substitute prizes for any reason or to award no prizes at all. You are responsible for determining Your eligibility to receive a prize. WIP reserves the right to disqualify You and/or Your team if, in WIP's sole discretion, WIP believes that You or Your team have attempted to undermine the legitimate operation of WIP Unicorn Challenge by cheating, deception, or other unfair conduct or if You and/or Your team annoy, abuse, threaten or harass any other participants, WIP or the judges. Any false information provided by You in connection with WIP Unicorn Challenge concerning identity, mailing address, compliance with these Terms and Conditions or the like may result in the immediate elimination of You and/or Your team from WIP Unicorn Challenge.  

By participating in the WIP Unicorn Challenge, you and your team agree to be bound by these terms and conditions and to waive any all claims against WIP and Sponsor PNC Bank, National Association, for any injury, damage, or loss that may occur, directly or indirectly, in whole or in part, from participation in the WIP Unicorn Challenge or from receipt or use of the prize.

Eligibility Restrictions: 

Employees of Women in Payments ("WIP"), PNC Bank, National Association ("PNC"), and any other contest sponsors (if applicable), as well as their immediate family members or members of their households, are not eligible to participate in the WIP Unicorn Challenge. For purposes of this provision, "immediate family members" are defined as spouses, children, siblings, and parents, regardless of their place of residence.

 Release of Liability:

By participating in the WIP Unicorn Challenge, you and your team agree to release, discharge, and hold harmless WIP, PNC, and any other contest sponsors (if applicable), as well as their respective affiliates, directors, officers, employees, and agents, from and against any and all liability, claims, or actions of any kind whatsoever, arising out of or relating to your participation in the WIP Unicorn Challenge, including without limitation, injuries, damages, or losses to persons or property, or claims based on publicity rights, defamation, or invasion of privacy.

 Publicity Release: 

By accepting a prize in the WIP Unicorn Challenge, each winner grants WIP, PNC, and their respective affiliates, the irrevocable right to use, reproduce, and publicize the winner's name, likeness, image, biographical information, and any prize-related information, including but not limited to, announcements in promotional materials, online, in print, or other media, worldwide, without limitation and without additional compensation or notice, except where prohibited by law.