POINT ZERO 4
Only 0.04% of companies reach $100 million in annual revenue.
We invest in those and the ones that add a couple more zeros.
Seed & Pre-Seed
New York, New York
Founder & Investor
Zuben Mathews is a fintech entrepreneur, investor, and operator. He co-founded Brigit in 2017 and served as CEO, building the company into one of the fastest fintechs to reach $100 million in annual recurring revenue, profitably. Under his leadership, Brigit grew to more than one million paying subscribers and helped consumers save more than $1 billion in overdraft and other predatory fees. Brigit was acquired by Upbound Group in 2025.
Prior to founding Brigit, Zuben spent more than a decade at Deutsche Bank, where he founded and led the Strategic Partnership Group focused on fintech and software companies and executed more than $55 billion in equity, debt, and M&A transactions. He subsequently served as Managing Director of Mergers & Acquisitions at Infosys, leading strategic transactions globally.
Zuben is an active investor and advisor to early-stage technology companies, with investments spanning consumer, travel, marketplaces, fintech and software. His portfolio includes companies such as Partiful and Array.
He holds a B.A. in Economics from the University of Chicago.
Fintech / Alternative Investments
Alto is a self-directed IRA platform giving investors access to alternative assets including private companies, venture capital, private equity, and real estate through tax-advantaged accounts. The company is expanding access to traditionally difficult-to-access private market investments by combining investment infrastructure with a consumer-friendly experience.
Visit site →Fintech / Financial Infrastructure
Array provides embedded financial technology that enables banks, fintechs, and consumer platforms to offer credit, identity, privacy, financial wellness, and other financial products. The company provides the infrastructure for institutions to deliver more personalized financial experiences without building the underlying technology themselves.
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Consumer Fintech
Brigit is a financial wellness platform helping consumers manage cash flow through products including cash advances, credit building, financial insights, and savings tools. The company is building a broader consumer financial relationship around the everyday needs of financially underserved customers. Acquired by Upbound in 2025.
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AI / Consumer Productivity
Captr is an AI-powered visual data manager that turns the thousands of screenshots and photos people accumulate on their phones into organized, searchable, and actionable information. Captr automatically understands and organizes saved content, generates personalized context and insights, and helps users take action - from setting a reminder or re-opening in the original source, to buying a product or starting a project. Captr is the initial product from Aza IQ, whose broader vision is to build AI that intelligently organizes a person's world and makes productivity deeply personal. Aza IQ raised a $10 million seed round from Point Zero 4 in March 2025.
Visit site →Enterprise AI / Data Infrastructure
Decode It is building the context layer for enterprise data. The platform automatically tracks SQL transformation logic and column-level lineage to enforce a human-approved, governed truth across warehouses, eliminating context bottlenecks and guaranteeing data reliability for downstream AI applications.
Visit site →AI / Consumer Savings
DealSimple is an AI-powered deal discovery platform that turns a user's inbox and the broader web into a personalized source of savings. It identifies sales, coupons, and promotional offers, then intelligently organizes and ranks them based on each consumer's interests, shopping behavior, and potential savings. The broader vision is to build a personalized shopping intelligence layer that understands what consumers buy and proactively surfaces the most relevant deals and savings opportunities.
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Fintech / Payments Infrastructure
Forage provides payments infrastructure that enables merchants to accept SNAP EBT online. By connecting government-benefit payments with digital commerce, the company enables retailers to serve a large consumer segment that has historically been underserved by online shopping infrastructure.
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Reservation Software - Driven by AI
Huddle is an AI-led reservation platform that allows users to book independent personal service providers through trusted community connections. The initial use case is to help families discover, book, and coordinate childcare while leveraging existing social networks to create higher trust. Huddle will expand to all independent workers with repeated bookings, including cleaners, tutors, trainers, cooks, pet walkers etc.
Visit site →Travel / Luxury Hospitality
Overgo is a membership-based booking platform for luxury hotels. Members get direct access to member rates on the brands they already trust, typically around 20% less than public rates, with no markups and no blackout dates. An AI layer personalizes discovery around each traveler's preferences, not around who paid for the top slot. By removing hidden commissions, Overgo makes booking premium hotels transparent and built around the individual traveler.
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Social / Events
Partiful is a consumer social platform for creating and coordinating events. The product combines invitations, RSVPs, event communication, and social coordination into a highly streamlined experience, using the network effects of real-world events to build a new layer of social infrastructure.
Visit site →Consumer Fintech / Investing
Public is an investing platform offering access to stocks, ETFs, options, bonds, crypto, and other financial products. The company is building a broader consumer wealth platform designed to make sophisticated investing products and information more accessible to everyday investors.
Visit site →Consumer / Shopping
Simplicity is a shopping and decision-making platform helping consumers save, organize, and evaluate products before they buy leveraging social networks and AI. Acting as a personalized, AI-powered style advisor, the platform features an intelligent shopping assistant that delivers tailored recommendations to help customers make smarter fashion purchases.
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