Citius

Clara is a spending management platform focused on serving companies in Latin America. It offers an end-to-end solution that includes locally-issued corporate cards, bill payment services, financing options, and a software platform that streamlines corporate expense management. The platform is designed to simplify and automate financial processes, allowing businesses to gain real-time insights into spending and manage budgets more effectively. Clara is backed by a diverse group of global and regional investors, aiming to empower companies with greater financial agility and clarity. By enhancing the way company finances are managed, Clara contributes to increasing the economic competitiveness of the region.

Addi is a technology company specializing in credit and banking solutions, particularly through its point-of-sale lending application. This platform enables consumers to apply for credit at the moment of purchase in partner retail stores, facilitating interest-free installment payments. By offering a buy now, pay later option, Addi aims to enhance digital commerce and provide borrowers with quick and affordable financing for their shopping needs.

Oxygen is a financial technology company that caters to digital natives, creators, and entrepreneurs by offering a modern banking platform for both personal and business accounts. Its application, available on iOS and Android, provides users with a seamless experience featuring no monthly fees, early direct deposit, simple transfers, cashback rewards, high-yield savings, and various retail and travel benefits. In addition to banking services, Oxygen also emphasizes technology solutions, offering businesses tools to enhance efficiency and productivity. The company ensures secure data management through robust backup and recovery processes that comply with industry standards, thereby safeguarding clients' financial and operational data. With a focus on user-friendly solutions, Oxygen aims to support its clients in navigating the complexities of modern finance and technology.

Ximkart operates a B2B cross-border trade platform that connects manufacturers with global suppliers of raw materials. The platform facilitates the sourcing process by offering services such as supplier discovery, price negotiation, logistics management, and payment processing. This comprehensive approach enables manufacturers to obtain raw materials at competitive prices, thereby reducing costs and enhancing operational efficiency. By streamlining the procurement process, Ximkart supports businesses in scaling their operations and improving their overall performance in the market.

Astro Indonesia is a quick commerce start-up that specializes in on-demand grocery delivery. The platform offers a wide range of products, including fresh fruits and vegetables, dairy, meat, seafood, medicines, stationery, and snacks, allowing consumers to purchase essential items conveniently. By focusing on delivering groceries within a specified timeframe, Astro aims to provide an affordable and efficient shopping experience for its customers.

Jüsto is an online grocery store chain that specializes in delivery-only services. It provides a broad selection of items including fruits, vegetables, meat products, beauty products, and household supplies directly to consumers' doorsteps. The company focuses on offering fresh and healthy food products at competitive prices through its user-friendly platform.

Flash is a company based in São Paulo, Brazil, that specializes in providing flexible benefits solutions. Founded in 2019, it has transformed traditional food vouchers by integrating a MasterCard, a user-friendly application, and a human resources platform into a single device. This innovative approach allows for the consolidation of various employment benefits into one centralized location, offering a socially responsible alternative for employees. By utilizing its proprietary card, Flash enables employees to easily access and manage their entitled benefits, enhancing convenience and flexibility in the workplace.

CityMall is a community commerce platform aimed at serving the 300 million new internet users in small cities, towns, and villages across India. It focuses on categories such as groceries, fresh and packaged FMCG, electronics, and fashion. Historically, e-commerce has primarily benefited residents of large metropolitan areas, largely due to barriers like trust issues, unfamiliarity with online transactions, and low average order values. CityMall addresses these challenges by leveraging "Community Leaders," who act as local connectors to facilitate customer acquisition, localized marketing, and last-mile logistics. This community-driven approach makes the model well-suited for smaller urban areas. Founded by alumni from IIT Delhi and IIT Roorkee, CityMall aspires to create a network of micro-entrepreneurs, empowering them to establish a prominent e-commerce platform in India. The company is supported by several notable venture capital firms.

Tonik is a digital banking company that offers a range of retail financial products, including deposits, loans, current accounts, payments, and cards. Its platform is designed to facilitate secure online financial transactions, providing customers with a highly secure environment for managing their finances. By leveraging technology, Tonik aims to enhance financial liquidity and efficiency, enabling users to save and transact more effectively. The company focuses on delivering innovative banking solutions that cater to the needs of modern consumers.

Facily is a social commerce marketplace operating in Latin America, designed to cater to low-ticket items and provide competitive prices alongside efficient logistics for lower-income neighborhoods. The platform emphasizes community engagement by facilitating group buying, allowing users to purchase products collectively while enjoying interactive experiences such as games and quizzes. By harnessing local leaders and influencers, Facily enhances its appeal and promotes a sense of community among buyers. Users can also earn rewards by inviting friends, making the shopping experience not only economical but also enjoyable and socially engaging.

Kilo operates a business-to-business e-commerce platform that connects wholesalers with micro, small, and medium enterprises. The platform is specifically designed to digitize the local retail value chain, providing these retailers with essential tools for price, assortment, and inventory management. By facilitating access to technological solutions, Kilo enables small and medium-sized retailers to efficiently manage their operations across multiple sales channels, promoting a network effect that fosters growth in both supply and demand.

Facily is a social commerce marketplace operating in Latin America, designed to cater to low-ticket items and provide competitive prices alongside efficient logistics for lower-income neighborhoods. The platform emphasizes community engagement by facilitating group buying, allowing users to purchase products collectively while enjoying interactive experiences such as games and quizzes. By harnessing local leaders and influencers, Facily enhances its appeal and promotes a sense of community among buyers. Users can also earn rewards by inviting friends, making the shopping experience not only economical but also enjoyable and socially engaging.

Frubana is a digital platform based in Bogotá, Colombia, founded in 2018, that serves as a one-stop shop for restaurants by connecting them directly with agricultural producers and suppliers. The company facilitates the buying and selling of food products, enabling restaurants to source ingredients directly from farmers without intermediaries, which enhances price transparency and reduces trade barriers. Additionally, Frubana provides tools for restaurants to digitize their operations, including the creation of virtual menus that can be easily shared with customers through QR codes. By streamlining the supply chain, Frubana aims to support small retailers and restaurants in accessing fresh agricultural products efficiently.

Ula is a technology-driven distribution and credit marketplace application that focuses on supporting micro, small, and medium enterprises in Indonesia. Founded in 2020 and headquartered in Jakarta, with additional offices in Bengaluru and Singapore, Ula provides a B2B marketplace designed specifically for small retailers. The platform enables these retailers to access a diverse range of products at competitive prices while managing their inventory and supply chain more effectively. Ula offers favorable payment terms and working capital solutions, allowing store owners to stock only the inventory they need and ultimately enhance their profitability. By leveraging technology, Ula addresses key challenges in traditional retail, ensuring that small businesses can thrive in a rapidly evolving digital marketplace.

Addi is a technology company specializing in credit and banking solutions, particularly through its point-of-sale lending application. This platform enables consumers to apply for credit at the moment of purchase in partner retail stores, facilitating interest-free installment payments. By offering a buy now, pay later option, Addi aims to enhance digital commerce and provide borrowers with quick and affordable financing for their shopping needs.

Buyk is a food delivery platform based in New York that specializes in providing food and grocery products. The platform allows customers to conveniently browse and purchase items from the comfort of their homes or offices. By focusing on ease of use, Buyk aims to enhance the shopping experience for consumers seeking grocery delivery services.

Flash is a company based in São Paulo, Brazil, that specializes in providing flexible benefits solutions. Founded in 2019, it has transformed traditional food vouchers by integrating a MasterCard, a user-friendly application, and a human resources platform into a single device. This innovative approach allows for the consolidation of various employment benefits into one centralized location, offering a socially responsible alternative for employees. By utilizing its proprietary card, Flash enables employees to easily access and manage their entitled benefits, enhancing convenience and flexibility in the workplace.

Frubana is a digital platform based in Bogotá, Colombia, founded in 2018, that serves as a one-stop shop for restaurants by connecting them directly with agricultural producers and suppliers. The company facilitates the buying and selling of food products, enabling restaurants to source ingredients directly from farmers without intermediaries, which enhances price transparency and reduces trade barriers. Additionally, Frubana provides tools for restaurants to digitize their operations, including the creation of virtual menus that can be easily shared with customers through QR codes. By streamlining the supply chain, Frubana aims to support small retailers and restaurants in accessing fresh agricultural products efficiently.

Addi is a technology company specializing in credit and banking solutions, particularly through its point-of-sale lending application. This platform enables consumers to apply for credit at the moment of purchase in partner retail stores, facilitating interest-free installment payments. By offering a buy now, pay later option, Addi aims to enhance digital commerce and provide borrowers with quick and affordable financing for their shopping needs.

Facily is a social commerce marketplace operating in Latin America, designed to cater to low-ticket items and provide competitive prices alongside efficient logistics for lower-income neighborhoods. The platform emphasizes community engagement by facilitating group buying, allowing users to purchase products collectively while enjoying interactive experiences such as games and quizzes. By harnessing local leaders and influencers, Facily enhances its appeal and promotes a sense of community among buyers. Users can also earn rewards by inviting friends, making the shopping experience not only economical but also enjoyable and socially engaging.

BUX, established in 2014 and based in Amsterdam, is a fintech company that provides a mobile stock trading platform. Its key offering is a commission-free investing app, making it accessible and affordable for both novice and experienced investors to trade stocks and exchange-traded funds (ETFs). Additionally, the platform allows users to invest in real cryptocurrencies.

Penta is a digital business bank platform designed to help startups and SMEs save time and money on banking. It automates bank accounts and invoices, offers online cashless banking services, and helps to open an online banking account in minutes, enabling consumers to manage their cashflows easily. Penta's mission is to disrupt business banking in Europe and worldwide. It was founded in 2016 and is headquartered in Berlin, Germany.

Chiper is a prominent B2B e-commerce platform serving corner stores in Latin America, with operations in Colombia, Mexico, and plans for expansion into Brazil. The company connects thousands of the region's 3.7 million corner stores, creating one of the largest networks of bulk buyers globally. By aggregating demand and enhancing the supply chain, Chiper enables these stores to access a diverse range of products, including groceries and household items, at competitive prices. The platform eliminates intermediaries, allowing retailers to directly connect with producers and streamline their procurement processes, ultimately supporting the growth and sustainability of local businesses.

Oyster Financial, Inc. is a financial technology company that provides an online platform tailored for freelancers, startups, and small to medium enterprises. Founded in 2018 and headquartered in San Francisco, with additional offices in Mexico City and Kathmandu, the company aims to simplify financial management for business owners. Oyster's platform allows users to track income and expenses by project or client, manage budgets, and access real-time transaction updates. It offers a Mastercard debit card, enabling users to conduct online payments and bill payments for numerous service providers. Additionally, the platform facilitates fund transfers without fees and provides tools for invoicing and financial decision-making. By streamlining these processes, Oyster empowers entrepreneurs to focus on growing their businesses.

Lummo empower entrepreneurs and brands in SEA to accelerate their growth and to serve their customers by giving them the best technology.

Bnext is a fintech platform based in Madrid, Spain, that functions as a supermarket for financial products. It offers users the ability to create a current account quickly, providing nearly all the functionalities of a traditional bank without the need to engage with one. Users can consolidate their financial information by linking external accounts on the platform. The core innovation of Bnext is its Marketplace, where users can explore a diverse range of financial products from various fintechs and banks, all selected to meet their specific needs. This platform allows users to purchase and manage these products seamlessly within the app, without incurring excessive fees. Rather than focusing on selling numerous products, Bnext collaborates with fintechs to present the best available offers, encompassing services such as real estate investments, mutual funds, loans, and crowdfunding. By progressively integrating leading market products, Bnext aims to redefine banking by becoming a comprehensive financial service provider without the limitations of a traditional bank.

Penta is a digital business bank platform designed to help startups and SMEs save time and money on banking. It automates bank accounts and invoices, offers online cashless banking services, and helps to open an online banking account in minutes, enabling consumers to manage their cashflows easily. Penta's mission is to disrupt business banking in Europe and worldwide. It was founded in 2016 and is headquartered in Berlin, Germany.

Jüsto is an online grocery store chain that specializes in delivery-only services. It provides a broad selection of items including fruits, vegetables, meat products, beauty products, and household supplies directly to consumers' doorsteps. The company focuses on offering fresh and healthy food products at competitive prices through its user-friendly platform.

Addi is a technology company specializing in credit and banking solutions, particularly through its point-of-sale lending application. This platform enables consumers to apply for credit at the moment of purchase in partner retail stores, facilitating interest-free installment payments. By offering a buy now, pay later option, Addi aims to enhance digital commerce and provide borrowers with quick and affordable financing for their shopping needs.

homefully GmbH specializes in providing co-living spaces and paying guest accommodations, focusing on creating community-oriented living arrangements in urban environments. Founded in 2015 and headquartered in Frankfurt am Main, Germany, the company operates in several cities, including Berlin, Cologne, Dusseldorf, Munich, Stuttgart, Zurich, and Hamburg. homefully offers fully furnished bedrooms equipped with essential appliances, along with comprehensive services such as cleaning, concierge support, and personal check-in. Its real estate platform connects individuals with suitable rental options, facilitating a seamless experience for those seeking shared living spaces. By prioritizing convenience and community, homefully aims to simplify the process of finding and maintaining co-living arrangements.

Frubana is a digital platform based in Bogotá, Colombia, founded in 2018, that serves as a one-stop shop for restaurants by connecting them directly with agricultural producers and suppliers. The company facilitates the buying and selling of food products, enabling restaurants to source ingredients directly from farmers without intermediaries, which enhances price transparency and reduces trade barriers. Additionally, Frubana provides tools for restaurants to digitize their operations, including the creation of virtual menus that can be easily shared with customers through QR codes. By streamlining the supply chain, Frubana aims to support small retailers and restaurants in accessing fresh agricultural products efficiently.

Facily is a social commerce marketplace operating in Latin America, designed to cater to low-ticket items and provide competitive prices alongside efficient logistics for lower-income neighborhoods. The platform emphasizes community engagement by facilitating group buying, allowing users to purchase products collectively while enjoying interactive experiences such as games and quizzes. By harnessing local leaders and influencers, Facily enhances its appeal and promotes a sense of community among buyers. Users can also earn rewards by inviting friends, making the shopping experience not only economical but also enjoyable and socially engaging.

Facily is a social commerce marketplace operating in Latin America, designed to cater to low-ticket items and provide competitive prices alongside efficient logistics for lower-income neighborhoods. The platform emphasizes community engagement by facilitating group buying, allowing users to purchase products collectively while enjoying interactive experiences such as games and quizzes. By harnessing local leaders and influencers, Facily enhances its appeal and promotes a sense of community among buyers. Users can also earn rewards by inviting friends, making the shopping experience not only economical but also enjoyable and socially engaging.

Bnext is a fintech platform based in Madrid, Spain, that functions as a supermarket for financial products. It offers users the ability to create a current account quickly, providing nearly all the functionalities of a traditional bank without the need to engage with one. Users can consolidate their financial information by linking external accounts on the platform. The core innovation of Bnext is its Marketplace, where users can explore a diverse range of financial products from various fintechs and banks, all selected to meet their specific needs. This platform allows users to purchase and manage these products seamlessly within the app, without incurring excessive fees. Rather than focusing on selling numerous products, Bnext collaborates with fintechs to present the best available offers, encompassing services such as real estate investments, mutual funds, loans, and crowdfunding. By progressively integrating leading market products, Bnext aims to redefine banking by becoming a comprehensive financial service provider without the limitations of a traditional bank.

Tonik is a digital banking company that offers a range of retail financial products, including deposits, loans, current accounts, payments, and cards. Its platform is designed to facilitate secure online financial transactions, providing customers with a highly secure environment for managing their finances. By leveraging technology, Tonik aims to enhance financial liquidity and efficiency, enabling users to save and transact more effectively. The company focuses on delivering innovative banking solutions that cater to the needs of modern consumers.