13books Capital

Welii is a developer of a software as a service (SaaS) management platform that aims to enhance operational efficiency by aligning the interests of IT and finance departments within organizations. The platform provides a comprehensive solution that includes tools for shadow management, optimized inventory, and contract monitoring, allowing businesses to gain valuable insights into their SaaS usage and spending. Additionally, it offers procurement support to streamline the management of software contracts. By facilitating better oversight and control over SaaS tools, Welii helps organizations improve their performance and operational effectiveness.

Briink is a developer of an artificial intelligence-powered platform that automates workflows for sustainable finance teams. The platform is specifically designed to assist asset managers, auditors, and corporations in streamlining their environmental, social, and governance (ESG) audit reporting processes. By utilizing advanced AI technology, Briink enables private equity firms and companies to efficiently manage taxonomy and comply with sustainable finance disclosure regulations. This automation facilitates informed investment decisions, enhances sustainability profiles, promotes transparency in ESG data, and helps mitigate the risks of greenwashing.

Infact Systems is a company dedicated to modernizing affordability and credit information for the banking industry. By providing a real-time credit information platform, the company aims to promote responsible financial behavior through transparent and up-to-date credit reporting. Their services enable lenders to access comprehensive, contextual data that facilitates quick and informed lending decisions, ultimately supporting business growth and customer service. Additionally, Infact Systems offers integration and customization services for their platform, enhancing connectivity with external laboratory systems. The company also focuses on empowering women to take control of their finances, further underscoring its commitment to responsible lending practices.

Aria is a fintech startup founded in 2019 and based in Paris, France, that focuses on improving payment processes for businesses and their freelancers. The company offers innovative financial software that allows organizations to manage their payment terms effectively, thereby enhancing their cash flow and competitiveness. Aria's platform provides a credit infrastructure that enables instant payments, allowing companies to unlock cash on demand from corporate lenders. By aligning with each client's billing procedures, Aria simplifies the payment process, helping businesses maintain financial stability while they grow.

Banxware is a fintech startup based in Berlin that focuses on providing embedded lending solutions for platform-based businesses, fintechs, and banks. Founded in 2020 by Miriam Wohlfarth, Jens Röhrborn, and Fabian Heiß, the company employs over 50 people. Banxware's platform allows digital platforms, such as marketplaces and payment providers, to offer white-label financial products, including merchant cash advances and loans, to their users. The technology integrates essential financial infrastructure seamlessly, enabling small and medium-sized enterprises, e-commerce sellers, and restaurant owners to access necessary liquidity. With features like customer onboarding checks, credit scoring, risk management, and loan origination, Banxware promotes growth and enhances customer convenience by empowering platforms to launch tailored lending solutions across Europe.

Crezco develops payment processing software aimed at reducing trade friction and facilitating business growth. The company offers innovative payment solutions that promote cardless and contactless transactions through open banking facilities. By enabling account-to-account payments, Crezco eliminates unnecessary costs associated with traditional card schemes, providing clients with a more efficient and cost-effective payment method. Additionally, Crezco supports collaboration between suppliers and customers while offering role-based access for internal team members, ensuring streamlined operations and enhanced security.

Hepster is an InsurTech company that specializes in creating customized insurance products and seamlessly integrating them into digital processes. Operating under a B2B model, Hepster enhances its offerings with a B2C webshop that allows consumers direct access to its services. The company utilizes a fully API-driven, cloud-based, and modular approach to develop and deploy digital insurance solutions tailored to the specific needs of its partners. Hepster's product portfolio focuses on various sectors, including bike, e-bike, electronics, and sports equipment insurance, thereby providing a comprehensive experience for clients across the insurance value chain.

Crezco develops payment processing software aimed at reducing trade friction and facilitating business growth. The company offers innovative payment solutions that promote cardless and contactless transactions through open banking facilities. By enabling account-to-account payments, Crezco eliminates unnecessary costs associated with traditional card schemes, providing clients with a more efficient and cost-effective payment method. Additionally, Crezco supports collaboration between suppliers and customers while offering role-based access for internal team members, ensuring streamlined operations and enhanced security.

Runa is pioneering a first-of-its-kind payment rail capable of sending and accepting digital value at scale. With Runa, companies can pay the people they serve in any form of digital value, anywhere, instantly. The Runa Network provides a wide range of digital payout types including gift cards, prepaid cards, subscriptions, donations, cryptocurrencies and more. Legacy payment mechanisms struggle to adapt to low-volume, high-velocity transactions both locally and globally, such as sending payouts to gig workers, creators, or sending rewards to customers or employees wherever they are. Runa’s infrastructure and network facilitates payouts to these recipients, helping businesses expand their reach, retain their users while modernizing the way in which they manage and transfer money: instantly, internationally, and free of charge for the senders and the recipient. Runa was established as WeGift in October 2016 by Aron Alexander in London, England.

Infact Systems is a company dedicated to modernizing affordability and credit information for the banking industry. By providing a real-time credit information platform, the company aims to promote responsible financial behavior through transparent and up-to-date credit reporting. Their services enable lenders to access comprehensive, contextual data that facilitates quick and informed lending decisions, ultimately supporting business growth and customer service. Additionally, Infact Systems offers integration and customization services for their platform, enhancing connectivity with external laboratory systems. The company also focuses on empowering women to take control of their finances, further underscoring its commitment to responsible lending practices.

Getmomo is a digital banking platform that aims to simplify the management of rental deposits and rents for property owners and managers. The platform enables the quick setup of rental accounts and deposits without requiring changes to existing software. It facilitates digital tenancy contracts, simplifies inventory management, and streamlines claims settlement processes. By allowing landlords to secure rental units rapidly, open accounts with minimal effort, and efficiently monitor rent, Getmomo reduces operational costs while increasing income potential. Online banking access and integration with property management systems enhance its utility, making it a comprehensive solution for the rental market.

Token.io is a payment infrastructure provider that specializes in account-to-account (A2A) payments, leveraging open banking to facilitate a seamless transition from traditional payment methods to direct bank payments. The company offers a robust platform designed to enhance payment processing for providers, enabling them to effectively implement Pay by Bank as a core payment option. With access to over 567 million bank accounts across 21 countries, Token.io ensures high connectivity and performance, catering to a significant portion of the market. Its deployment options are versatile, allowing payment providers to utilize Token.io's licenses and advanced authentication flows to streamline their operations. The platform has garnered a strong reputation, supported by partnerships with prominent financial institutions and payment processors, collectively serving millions of merchants globally.

Januar is a payment gateway designed for cryptocurrency businesses, facilitating seamless transactions between traditional and decentralized finance. The company provides payment account solutions that allow clients to accept payments and send payouts while ensuring full compliance with regulatory standards. With its international bank account number (IBAN) services, Januar enables cryptocurrency firms to access bank accounts, facilitating secure and efficient handling of fiat payments. By bridging the gap between digital currencies and conventional financial systems, Januar supports stable business operations for its clients in the evolving landscape of cryptocurrency.

Arbolus is a professional networking platform that leverages technology to enhance advisory relationships and knowledge sharing. The company serves over 80 clients, including prominent firms such as KPMG and various leading global strategy consultancies, as well as innovative enterprises like UiPath. By utilizing artificial intelligence, Arbolus enables efficient outsourcing of work and streamlines processes, facilitating access to diverse perspectives crucial for due diligence and strategic initiatives. This approach helps clients eliminate inefficiencies and reduce the time required to gain insights, allowing consultants to monetize their expertise effectively and focus on valuable expert interactions to drive business growth.

Thirdfort Limited is a London-based company founded in 2017 that specializes in digital onboarding and payments software for real estate transactions. The platform integrates Know Your Customer (KYC), Anti-Money Laundering (AML), and payment fraud technology, allowing professionals in law, property, and finance to onboard clients efficiently. By utilizing open banking and transaction-specific data, Thirdfort provides rapid assessments of potential risks associated with client verification. This streamlined process significantly reduces onboarding time from weeks to minutes, enhancing the overall transaction experience. The company is regulated by the Financial Conduct Authority (FCA) and has secured over $25 million in funding from prominent fintech investors and industry founders.

Billhop is a payment institution based in Stockholm, Sweden, founded in 2011. The company offers a financial payment platform that simplifies the management and payment of bills and invoices. Its services enable businesses and consumers to pay their bills using credit or debit cards, providing a regulated payment tool that emphasizes safety and security. Billhop distinguishes itself by not charging fixed fees, allowing users to utilize their existing payment cards for transactions. Additionally, the platform supports a range of privacy features and digital card options, catering to the diverse needs of its users.

Hepster is an InsurTech company that specializes in creating customized insurance products and seamlessly integrating them into digital processes. Operating under a B2B model, Hepster enhances its offerings with a B2C webshop that allows consumers direct access to its services. The company utilizes a fully API-driven, cloud-based, and modular approach to develop and deploy digital insurance solutions tailored to the specific needs of its partners. Hepster's product portfolio focuses on various sectors, including bike, e-bike, electronics, and sports equipment insurance, thereby providing a comprehensive experience for clients across the insurance value chain.

Banxware is a fintech startup based in Berlin that focuses on providing embedded lending solutions for platform-based businesses, fintechs, and banks. Founded in 2020 by Miriam Wohlfarth, Jens Röhrborn, and Fabian Heiß, the company employs over 50 people. Banxware's platform allows digital platforms, such as marketplaces and payment providers, to offer white-label financial products, including merchant cash advances and loans, to their users. The technology integrates essential financial infrastructure seamlessly, enabling small and medium-sized enterprises, e-commerce sellers, and restaurant owners to access necessary liquidity. With features like customer onboarding checks, credit scoring, risk management, and loan origination, Banxware promotes growth and enhances customer convenience by empowering platforms to launch tailored lending solutions across Europe.

Coincover is a provider of insurance-backed technology aimed at safeguarding digital assets, particularly cryptocurrencies. The company offers a range of services designed to protect end-users against the loss or theft of their crypto holdings due to hacks, human error, or fraudulent transactions. Key features include Cryptocurrency Theft cover, which shields users from phishing, hacking, and criminal extortion, ensuring that if theft occurs, the full value of the assets is recovered without any deductible. Additionally, Coincover provides a Deposit Protection Guarantee that secures user access to their cryptocurrency, even in cases of password loss, device failure, or business insolvency. The company also employs a Transaction Checker that monitors transactions in real-time to identify and flag suspicious activities, further enhancing the security of users' digital assets. Overall, Coincover aims to deliver peace of mind to its customers by ensuring that their digital currencies are both safe and accessible.

Hepster is an InsurTech company that specializes in creating customized insurance products and seamlessly integrating them into digital processes. Operating under a B2B model, Hepster enhances its offerings with a B2C webshop that allows consumers direct access to its services. The company utilizes a fully API-driven, cloud-based, and modular approach to develop and deploy digital insurance solutions tailored to the specific needs of its partners. Hepster's product portfolio focuses on various sectors, including bike, e-bike, electronics, and sports equipment insurance, thereby providing a comprehensive experience for clients across the insurance value chain.

Billhop is a payment institution based in Stockholm, Sweden, founded in 2011. The company offers a financial payment platform that simplifies the management and payment of bills and invoices. Its services enable businesses and consumers to pay their bills using credit or debit cards, providing a regulated payment tool that emphasizes safety and security. Billhop distinguishes itself by not charging fixed fees, allowing users to utilize their existing payment cards for transactions. Additionally, the platform supports a range of privacy features and digital card options, catering to the diverse needs of its users.

Minna Technologies specializes in subscription management services that connect banks and fintech companies with subscription businesses. The company offers applications that help consumers manage their subscriptions by identifying active services and providing options to switch to more affordable alternatives or cancel them altogether. These applications also facilitate the comparison and switching of energy, mobile, and broadband services. Through its solutions, Minna Technologies aims to simplify the process of managing monthly payments for subscriptions and memberships, ensuring a reliable and secure user experience.