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 employs artificial intelligence to automate workflows for sustainable finance teams, focusing on environmental, social, and governance (ESG) audits. Its platform assists private equity firms in assessing regulatory compliance and making informed investment decisions, while helping companies enhance their sustainability profiles and promote ESG data transparency.

Infact Systems specializes in enhancing affordability and credit data accessibility within the banking sector. They facilitate real-time, contextual data sharing to promote responsible financial behavior and modernize credit information.

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.

Founded in 2020, Banxware specializes in embedded lending solutions for platform-based businesses, fintechs, and banks. Its data-driven technology integrates seamlessly into platforms, enabling SMEs, e-commerce sellers, and restaurant owners to access liquidity. Headquartered in Berlin with over 50 employees, the company facilitates tailored embedded lending solutions across Europe.

Crezco is a payment solutions developer that reduces trade friction by enabling open banking, cardless and contactless payments, and account-to-account transfers. Its software aims to lower costs and streamline the creation of products and services by bypassing traditional card schemes, while facilitating collaboration between suppliers and customers. The platform supports role-based access for internal teams, enabling secure, scalable payment operations.

Hepster is an InsurTech company specializing in customized digital insurance solutions. It offers a range of products including bikes, electronics, sports equipment, and other specialty insurances, tailored to both B2B partners and consumers via its webshop.

Crezco is a payment solutions developer that reduces trade friction by enabling open banking, cardless and contactless payments, and account-to-account transfers. Its software aims to lower costs and streamline the creation of products and services by bypassing traditional card schemes, while facilitating collaboration between suppliers and customers. The platform supports role-based access for internal teams, enabling secure, scalable payment operations.

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 specializes in enhancing affordability and credit data accessibility within the banking sector. They facilitate real-time, contextual data sharing to promote responsible financial behavior and modernize credit information.

Getmomo is a digital banking platform focused on streamlining property management processes. It offers solutions that allow landlords to manage rental deposits and rents effortlessly while integrating with existing software. The platform facilitates the quick setup of rental accounts and digital tenancy contracts, enabling landlords to secure rental units rapidly. With an emphasis on convenience, Getmomo allows users to open business and owner accounts instantly and provides online banking access tailored to meet the specific needs of rental management. By simplifying inventory management and digital claims settlement, Getmomo helps landlords reduce operational costs and increase their income efficiently.

Token.io develops open banking payment infrastructure, enabling businesses and financial institutions to facilitate account-to-account payments. Its platform offers direct bank connectivity, real-time payment initiation, data access from verified bank accounts, integrated reporting, and settlement tools. This streamlines payment acceptance for merchants, banks, and payment service providers, reducing costs and enhancing customer experience.

Januar is a payment gateway for cryptocurrency businesses that enables compliant fiat payments and payouts, bridging traditional finance and decentralized finance by providing secure access to fiat through IBAN services and allowing crypto companies to access bank accounts and send and receive payments in a compliant and reliable manner.

Arbolus is a technology-driven networking platform that facilitates the creation and maintenance of advisory relationships. It serves over 80 clients, including major accounting firms like KPMG, leading global strategy consultancies, and innovative companies such as UiPath.

Thirdfort is a London-based provider of an intelligent client due diligence and onboarding platform for regulated sectors, including law, property, and finance. The platform combines KYC, AML, and payment-fraud protection with automated identity verification, risk assessment, and real-time compliance monitoring. By leveraging Open Banking and transaction-specific data, it rapidly verifies individual and corporate clients, enabling professionals to onboard clients in minutes while maintaining regulatory standards. Thirdfort supports ongoing risk monitoring and due diligence throughout property transactions and related advisory activities. The company is FCA regulated and serves professionals seeking secure, efficient onboarding and ongoing compliance in sensitive financial processes.

Billhop is a payment institution based in Stockholm, Sweden, founded in 2011. The company specializes in a financial payment platform that allows both businesses and consumers to pay bills and invoices using their credit or debit cards. Billhop's platform is designed to simplify the payment and management of bills, providing a regulated payment tool that enhances user convenience. It offers various features, including the ability to use digital cards while maintaining high standards of privacy and security. By eliminating fixed fees, Billhop enables users to leverage their existing payment cards for bill payments, ensuring a seamless and efficient transaction experience.

Hepster is an InsurTech company specializing in customized digital insurance solutions. It offers a range of products including bikes, electronics, sports equipment, and other specialty insurances, tailored to both B2B partners and consumers via its webshop.

Founded in 2020, Banxware specializes in embedded lending solutions for platform-based businesses, fintechs, and banks. Its data-driven technology integrates seamlessly into platforms, enabling SMEs, e-commerce sellers, and restaurant owners to access liquidity. Headquartered in Berlin with over 50 employees, the company facilitates tailored embedded lending solutions across Europe.

CoinCover provides cryptocurrency insurance-backed technology to protect digital assets from hacks, human error, and fraudulent transactions. The company offers protection that aims to keep assets safe and accessible, including theft protection from phishing, hacking, and cyber attacks, and a fast recovery of crypto funds with no deductible. It also offers a Deposit Protection Guarantee covering lost access to deposits due to password, device, or key loss and, in certain cases, business failure, ensuring funds remain accessible. Its Transaction Checker monitors transactions in real time to identify and flag suspicious activity. Additionally, CoinCover offers online and offline secure storage and protection of digital assets with multiple sign-off models to prevent losses before they occur. The firm focuses on safeguarding digital currencies and reducing the impact of security threats for end-users.

Hepster is an InsurTech company specializing in customized digital insurance solutions. It offers a range of products including bikes, electronics, sports equipment, and other specialty insurances, tailored to both B2B partners and consumers via its webshop.

Billhop is a payment institution based in Stockholm, Sweden, founded in 2011. The company specializes in a financial payment platform that allows both businesses and consumers to pay bills and invoices using their credit or debit cards. Billhop's platform is designed to simplify the payment and management of bills, providing a regulated payment tool that enhances user convenience. It offers various features, including the ability to use digital cards while maintaining high standards of privacy and security. By eliminating fixed fees, Billhop enables users to leverage their existing payment cards for bill payments, ensuring a seamless and efficient transaction experience.

Minna Technologies is a provider of subscription management services that connects banks and fintech companies with subscription businesses, allowing consumers to manage their subscriptions directly within their banking apps. The company's applications help users identify and display their active subscriptions, enabling them to switch to more affordable alternatives or cancel unwanted services. Minna Technologies focuses on streamlining the management of monthly payments for various subscriptions, including energy, mobile, and broadband services. By offering a reliable and secure platform, the company enhances the customer experience while promoting cost-effective subscription management.