ING Ventures

Stegra operates a state-of-the-art steel production plant designed to accelerate the decarbonization of the European steel industry. It achieves this by integrating green hydrogen technology, renewable energy sources, and artificial intelligence to produce fossil-free steel at competitive prices.

Qodek is a technology company that specializes in marketing automation. It offers a platform designed to enhance customer relationship management and streamline contact outreach processes. The platform provides custom integrations to extract relevant data, simplify marketing tasks, and optimize workflows. Services range from web scraping to CRM enhancement and account mapping, helping clients save time and increase efficiency. Led by expert engineers, Qodek is committed to simplifying marketing processes for its clients.

Founded in 2010, EIT InnoEnergy is a leading European innovation engine focused on Sustainable Energy. It invests in early-stage climate tech and energy companies across Europe and the US, providing equity minority investments and added value services to de-risk projects.

PRODA is pioneering real estate innovation through cutting-edge data science solutions. Our machine learning-enabled software automates analysis and reporting tasks, driving digital transformation and enhancing productivity for industry professionals.

Fintonic is a mobile-centric consumer banking platform founded in 2012 and based in Madrid, Spain. It provides users with access to a range of financial services, including insurance, investment products, and targeted loans. The platform allows users to consolidate their financial accounts and information, facilitating the analysis of millions of financial data points. Fintonic employs an algorithm that assesses users' eligibility for loans, presenting them with pre-approved options that can be easily contracted. The application prioritizes security and privacy, ensuring that users can conduct financial transactions safely and anonymously. Currently, Fintonic serves over 250,000 users across Spain and Chile.

OpenFin provides runtime technology solutions for financial desktops. Its platform enables web applications to run outside the browser, generating real-time notifications, communicating with other applications, and meeting strict security standards. Serving financial services industries globally.

Weaviate is a company that offers an open-source AI-native database and hybrid SaaS platform to build search and recommendation systems. Its vector search engine supports semantic search and integrates with applications via plugins and a console that helps understand data. The platform merges vector and keyword search to enable end-to-end AI-native application development, supporting synchronous, asynchronous, and multi-step data interactions.

OpenFin provides runtime technology solutions for financial desktops. Its platform enables web applications to run outside the browser, generating real-time notifications, communicating with other applications, and meeting strict security standards. Serving financial services industries globally.

Sardine is a financial technology company that specializes in providing a risk and fraud infrastructure tailored for the online economy. It has developed a device intelligence platform that leverages artificial intelligence and advanced risk engine software. This platform enhances fraud detection while minimizing sign-up friction by analyzing multiple real-time data points, including device information, browser details, and behavioral biometrics. By integrating this technology, Sardine enables businesses to establish a robust risk and fraud management framework, ultimately reducing costs within the fintech ecosystem.

OpenFin provides runtime technology solutions for financial desktops. Its platform enables web applications to run outside the browser, generating real-time notifications, communicating with other applications, and meeting strict security standards. Serving financial services industries globally.

PRODA LTD is a technology company based in London, United Kingdom, founded in 2017. It specializes in developing an artificial intelligence-based software platform that addresses data processing challenges in the real estate industry. The platform automates the capture, standardization, and quality checking of rent roll data, allowing clients to streamline their data management processes. By leveraging machine learning, PRODA's solution enables asset managers, investment brokers, real estate lenders, appraisers, and technology companies to analyze, visualize, and export data efficiently. The company aims to enhance productivity and accuracy in real estate operations, moving away from traditional workflows that rely on disparate filing systems and spreadsheets. Through its innovative approach, PRODA contributes to the ongoing digital transformation within the real estate sector.

Thought Machine develops cloud-native technology to revolutionize core banking, aiming to address the industry's reliance on outdated IT infrastructure. Its flagship product, Vault, is a configurable retail banking platform built from scratch as a microservice API architecture.

TransFICC specializes in low-latency connectivity solutions for banks and asset managers trading in Fixed Income and Derivatives markets. It offers a unified API that simplifies access to multiple execution venues, ensuring microsecond timestamping of data and comprehensive audit trails to support best execution requirements.

Weaviate is a company that offers an open-source AI-native database and hybrid SaaS platform to build search and recommendation systems. Its vector search engine supports semantic search and integrates with applications via plugins and a console that helps understand data. The platform merges vector and keyword search to enable end-to-end AI-native application development, supporting synchronous, asynchronous, and multi-step data interactions.

X-ELIO is a leading firm specialized in the development, construction, financing & operation of photovoltaic plants with a global presence.

Thought Machine develops cloud-native technology to revolutionize core banking, aiming to address the industry's reliance on outdated IT infrastructure. Its flagship product, Vault, is a configurable retail banking platform built from scratch as a microservice API architecture.

PRODA LTD is a technology company based in London, United Kingdom, founded in 2017. It specializes in developing an artificial intelligence-based software platform that addresses data processing challenges in the real estate industry. The platform automates the capture, standardization, and quality checking of rent roll data, allowing clients to streamline their data management processes. By leveraging machine learning, PRODA's solution enables asset managers, investment brokers, real estate lenders, appraisers, and technology companies to analyze, visualize, and export data efficiently. The company aims to enhance productivity and accuracy in real estate operations, moving away from traditional workflows that rely on disparate filing systems and spreadsheets. Through its innovative approach, PRODA contributes to the ongoing digital transformation within the real estate sector.

Stemly is a global provider of decision intelligence solutions, specializing in forecasting and optimization for the supply chain and finance sectors. Its SaaS platform utilizes automated machine learning to enhance business outcomes by reducing lost demand, decreasing inventory levels, and lowering working capital and financing costs. The platform is designed for seamless integration with various enterprise resource planning (ERP) and transportation management systems (TMS), facilitating efficient and interconnected decision-making. By delivering advanced capabilities in autonomous planning, recommendation, data integration, and cash management, Stemly enables organizations to tackle complex challenges and achieve optimal resource allocation.

Divido is a global white-label consumer lending platform that enables financial institutions and multinational retailers to offer finance options at the point-of-purchase. Its omnichannel platform, available online, in-store, and via mobile across multiple countries through one integration, helps partners improve customer experience and increase conversion rates.

Komgo operates a blockchain-based platform for digitalizing trade and commodities finance. Incorporated in Switzerland in 2018, it offers secure peer-to-peer transactions, mitigating fraud risk and providing benchmark data.

Flowcast designs and develops patented machine learning algorithms to create predictive models for credit decisioning. Its API-based platform assesses a business's ability to repay, the risk of delinquency, and the likelihood of dilution, while providing explainable insights into the root causes of creditworthiness. The models update in real time using alternative data and Flowcast's proprietary data, enabling financial institutions, corporations, and insurers to extend credit to businesses of all sizes and monitor risk continuously. Flowcast was founded in 2015 and is headquartered in San Francisco, with an office in Singapore.

Twisto is a payment platform that enables flexible online purchases and bill management across Central and Eastern Europe. It provides deferred payments and pay-in-three options, with physical and virtual cards and mobile wallet integrations that support Mastercard and Apple Pay compatible transactions. Through the Twisto app, users can capture bills by photo, consolidate multiple payments, and settle them at the end of the month. The service aims to simplify spending by offering one-click online checkout alongside tools to track and manage expenses, while enabling broader use of the card and wearable payment options for everyday transactions. It also supports international payments with competitive exchange rates, helping users manage cross-border purchases without friction.

Founded in 2015, Exate Technology specializes in data privacy solutions for global organizations. Its flagship product, eXate, ensures sensitive data is accessed only by authorized users and enforces regulatory policies.

Fintonic is a mobile-centric consumer banking platform founded in 2012 and based in Madrid, Spain. It provides users with access to a range of financial services, including insurance, investment products, and targeted loans. The platform allows users to consolidate their financial accounts and information, facilitating the analysis of millions of financial data points. Fintonic employs an algorithm that assesses users' eligibility for loans, presenting them with pre-approved options that can be easily contracted. The application prioritizes security and privacy, ensuring that users can conduct financial transactions safely and anonymously. Currently, Fintonic serves over 250,000 users across Spain and Chile.

Weaviate is a company that offers an open-source AI-native database and hybrid SaaS platform to build search and recommendation systems. Its vector search engine supports semantic search and integrates with applications via plugins and a console that helps understand data. The platform merges vector and keyword search to enable end-to-end AI-native application development, supporting synchronous, asynchronous, and multi-step data interactions.

Neptune Networks LTD is a data connectivity network based in London, United Kingdom, that specializes in providing real-time bond market data. Established in 2015, the company offers pre-trade indications in bond markets, facilitating the exchange of targeted inventory data among banks and investors. By leveraging its technology, Neptune Networks enables direct and efficient connectivity between the sell-side and buy-side, fostering meaningful interactions that address the immediate needs of both parties and ultimately enhancing trade volumes in the bond market.

Countingup is a UK-based provider of integrated banking and accounting software for small businesses, especially sole traders. The platform merges banking and accounting into one solution, allowing users to manage finances, bookkeeping, tax, and related tasks within a single app. It is designed to automate routine financial processes with AI-enabled technology, helping businesses run more efficiently without switching between separate tools.

TransFICC specializes in low-latency connectivity solutions for banks and asset managers trading in Fixed Income and Derivatives markets. It offers a unified API that simplifies access to multiple execution venues, ensuring microsecond timestamping of data and comprehensive audit trails to support best execution requirements.

Eigen Technologies Limited is a company that specializes in intelligent document processing and natural language processing technology. Founded in 2014 and headquartered in London, with an additional office in New York, Eigen develops software that utilizes machine learning algorithms to extract and analyze data from complex documents. By recognizing patterns in text, Eigen's platform enables clients in the finance, law, and professional services sectors to efficiently retrieve specific information, automate processes, and adapt to regulatory requirements. The technology supports better decision-making by transforming unstructured data into actionable insights, while ensuring data security. Eigen serves notable clients, including major financial institutions, and is trusted by a significant portion of global systemically important banks to address their document and data challenges.

HQLAX is a financial technology firm that uses distributed ledger technology to improve liquidity and collateral management in the institutional securities financing markets. The company leverages Corda to enable real-time, secure transfers of securities ownership, driving operational efficiency and regulatory compliance in global finance. Through a strategic partnership with Deutsche Börse Group, HQLAX aims to create a joint operating model that enhances collateral mobility across a fragmented securities settlement ecosystem, facilitating smoother collateral movements for market participants. The platform serves banks and asset managers, supporting efficient repo and securities financing workflows by reducing friction and improving settlement transparency.

HQLAX is a financial technology firm that uses distributed ledger technology to improve liquidity and collateral management in the institutional securities financing markets. The company leverages Corda to enable real-time, secure transfers of securities ownership, driving operational efficiency and regulatory compliance in global finance. Through a strategic partnership with Deutsche Börse Group, HQLAX aims to create a joint operating model that enhances collateral mobility across a fragmented securities settlement ecosystem, facilitating smoother collateral movements for market participants. The platform serves banks and asset managers, supporting efficient repo and securities financing workflows by reducing friction and improving settlement transparency.

FinCompare GmbH is a fintech startup based in Berlin, Germany, that provides a financing platform tailored for small and medium-sized enterprises (SMEs). Founded in October 2016 by Stephan Heller, the company enables businesses to access a wide array of financing options, including corporate loans, factoring, leasing, warehouse financing, and mezzanine capital. Through its online platform, FinCompare allows users to independently compare offers from various banks, fintechs, and alternative financial services providers, simplifying the financing process with a digital application system. This one-stop destination for financing questions empowers SMEs to make informed decisions, facilitating their ability to secure loans from reliable lenders while enhancing risk management.

Contour is developing a decentralized trade finance network aimed at simplifying collaboration within the global trade ecosystem. By utilizing advanced technologies, the company seeks to eliminate barriers that hinder seamless trade, facilitating the instant flow of trusted data among banks, corporations, and various service providers. Contour's platform integrates with leading digital document systems and other digital networks, promoting a frictionless exchange of information across fragmented trade routes. This innovative approach enhances efficiency and transparency in trade finance, ultimately supporting a more interconnected global market.

Contour, Inc. is a manufacturer of hands-free video cameras and accessories designed for the action sports and adventure storytelling markets. The company offers a range of products, including CMOS sensor helmet cameras, wearable camcorders, and various mounting accessories suitable for different recreational activities. Additionally, Contour provides waterproof cases, live streaming products, and related storage solutions to enhance the user experience. Founded in 2003 and originally known as Twenty20 Inc., the company was headquartered in Seattle, Washington before relocating to Provo, Utah. Contour operates a location-based video community through its website, enabling users to share their action and adventure stories. The company distributes its products through a network of retailers and distributors. Contour, Inc. is a subsidiary of World Wide Licenses Ltd.

Developer of AI-based platform designed to detect relative value opportunities by systematically scanning the whole universe of bonds.

Flowcast designs and develops patented machine learning algorithms to create predictive models for credit decisioning. Its API-based platform assesses a business's ability to repay, the risk of delinquency, and the likelihood of dilution, while providing explainable insights into the root causes of creditworthiness. The models update in real time using alternative data and Flowcast's proprietary data, enabling financial institutions, corporations, and insurers to extend credit to businesses of all sizes and monitor risk continuously. Flowcast was founded in 2015 and is headquartered in San Francisco, with an office in Singapore.

Payconiq, founded in 2014, is a mobile payment platform that aims to transform the payment industry in Europe. The company has developed an app that facilitates omnichannel payments, allowing users to make quick and easy transactions in-store, online, and between friends. This platform not only streamlines the payment process for consumers but also helps merchants reduce checkout times and lower transaction fees compared to traditional payment methods. Payconiq operates in Belgium, the Netherlands, Germany, and Luxembourg, with local offices in each of these markets, enhancing its ability to cater to regional needs and preferences.

Twisto is a payment platform that enables flexible online purchases and bill management across Central and Eastern Europe. It provides deferred payments and pay-in-three options, with physical and virtual cards and mobile wallet integrations that support Mastercard and Apple Pay compatible transactions. Through the Twisto app, users can capture bills by photo, consolidate multiple payments, and settle them at the end of the month. The service aims to simplify spending by offering one-click online checkout alongside tools to track and manage expenses, while enabling broader use of the card and wearable payment options for everyday transactions. It also supports international payments with competitive exchange rates, helping users manage cross-border purchases without friction.

Scoperty GmbH, founded in 2018 and based in Munich, Germany, specializes in real estate valuation services. The company operates a comprehensive database featuring approximately 35 million properties, enabling potential buyers to engage in a pre-market process where offers can be made on properties not yet officially listed for sale. This innovative approach allows property owners to accept offers before an auction begins. Additionally, Scoperty assists clients with finding brokers and navigating mortgage lending processes. By leveraging big data and artificial intelligence, Scoperty aims to enhance the quality of information available for residential real estate transactions and streamline the complex procedures involved in buying and selling properties.

Fintonic is a mobile-centric consumer banking platform founded in 2012 and based in Madrid, Spain. It provides users with access to a range of financial services, including insurance, investment products, and targeted loans. The platform allows users to consolidate their financial accounts and information, facilitating the analysis of millions of financial data points. Fintonic employs an algorithm that assesses users' eligibility for loans, presenting them with pre-approved options that can be easily contracted. The application prioritizes security and privacy, ensuring that users can conduct financial transactions safely and anonymously. Currently, Fintonic serves over 250,000 users across Spain and Chile.

Axyon AI SRL is a fintech company specializing in artificial intelligence-based software solutions for the banking and investment management sectors. Founded in 2016 and headquartered in Modena, Italy, with an office in London, Axyon AI develops advanced web applications that enhance decision-making for asset managers and corporate banks. Its flagship product, Axyon SynFinance, provides predictive analytics for liquidity, market conditions, and lead generation tailored for loan syndication desks. Another significant offering, Axyon IRIS, delivers periodic predictions on key financial metrics such as volatility and various performance ratios, aiding asset managers in strategy formulation. By leveraging deep learning technologies, Axyon AI creates customized predictive models that are designed to improve portfolio management and generate alpha, thereby facilitating innovative investment and risk management processes.

Funding Options Limited operates an online platform that connects businesses, advisors, and companies with lenders across the United Kingdom and the Netherlands. The service offers a wide range of financing solutions, including peer‑to‑peer loans, invoice and asset finance, equipment leases, commercial mortgages, and working‑capital products. By leveraging modern web technology, pre‑approval tools, and open banking data, the platform matches clients to suitable lenders in real time, simplifying the search for finance even in challenging circumstances such as bad credit or existing debt. The company has been recognized for its innovative use of technology in lending, receiving awards from industry bodies for excellence in fintech.

Cobase is a technology company based in Mountain View, California, that operates a multi-bank platform designed to streamline access to various bank accounts and financial services. Founded in 2012, the platform serves as a centralized hub for small to medium-sized businesses, offering features such as a central payment hub, cash management, and treasury modules. By consolidating connections to multiple banks and financial service providers, Cobase enhances financial and operational efficiency for its users. The platform enables centralized management of users and authorization schemes across different subsidiaries or departments, simplifying security by requiring only one security token per user. Cobase aims to provide relevant and practical resources to business owners, facilitating better management of their financial operations.

TradeIX Ltd., established in 2016 and headquartered in Cork, Ireland, develops an open platform called TIX Platform designed to revolutionize trade finance through distributed ledger technology. The decentralized TIX Platform integrates seamlessly with existing systems via APIs, enabling secure data storage, automated contract enforcement, and efficient transaction settlement. It offers four key components: TIX Apps for customer-facing solutions, TIX Developer for API and SDK support, TIX Composer for trade finance orchestration, and TIX Core as the shared infrastructure. TradeIX collaborates with banks, corporates, and ERP providers to enhance global trade processes, providing financial institutions and investors access to trade flows and revenue opportunities. The company maintains offices in Dublin, London, and Singapore.

FinCompare GmbH is a fintech startup based in Berlin, Germany, that provides a financing platform tailored for small and medium-sized enterprises (SMEs). Founded in October 2016 by Stephan Heller, the company enables businesses to access a wide array of financing options, including corporate loans, factoring, leasing, warehouse financing, and mezzanine capital. Through its online platform, FinCompare allows users to independently compare offers from various banks, fintechs, and alternative financial services providers, simplifying the financing process with a digital application system. This one-stop destination for financing questions empowers SMEs to make informed decisions, facilitating their ability to secure loans from reliable lenders while enhancing risk management.

Clark is a Berlin-based insurance platform that uses technology and insurance expertise to provide transparent, affordable, and comprehensive coverage. The company offers simple, fair, and customer-centric insurance advice and helps users assess their current insurance status through a digital application and website. It automatically proposes optimization opportunities by analyzing policies and searching tariffs from different insurers, enabling users to manage insurance transparently and at low cost. Founded in June 2015 by Dr. Christopher Oster and Steffen Glomb, Clark aims to simplify insurance selection and comparison for individuals by combining digital tools with industry know-how.

Twisto is a payment platform that enables flexible online purchases and bill management across Central and Eastern Europe. It provides deferred payments and pay-in-three options, with physical and virtual cards and mobile wallet integrations that support Mastercard and Apple Pay compatible transactions. Through the Twisto app, users can capture bills by photo, consolidate multiple payments, and settle them at the end of the month. The service aims to simplify spending by offering one-click online checkout alongside tools to track and manage expenses, while enabling broader use of the card and wearable payment options for everyday transactions. It also supports international payments with competitive exchange rates, helping users manage cross-border purchases without friction.

Payconiq, founded in 2014, is a mobile payment platform that aims to transform the payment industry in Europe. The company has developed an app that facilitates omnichannel payments, allowing users to make quick and easy transactions in-store, online, and between friends. This platform not only streamlines the payment process for consumers but also helps merchants reduce checkout times and lower transaction fees compared to traditional payment methods. Payconiq operates in Belgium, the Netherlands, Germany, and Luxembourg, with local offices in each of these markets, enhancing its ability to cater to regional needs and preferences.

Axyon AI SRL is a fintech company specializing in artificial intelligence-based software solutions for the banking and investment management sectors. Founded in 2016 and headquartered in Modena, Italy, with an office in London, Axyon AI develops advanced web applications that enhance decision-making for asset managers and corporate banks. Its flagship product, Axyon SynFinance, provides predictive analytics for liquidity, market conditions, and lead generation tailored for loan syndication desks. Another significant offering, Axyon IRIS, delivers periodic predictions on key financial metrics such as volatility and various performance ratios, aiding asset managers in strategy formulation. By leveraging deep learning technologies, Axyon AI creates customized predictive models that are designed to improve portfolio management and generate alpha, thereby facilitating innovative investment and risk management processes.

Axyon AI SRL is a fintech company specializing in artificial intelligence-based software solutions for the banking and investment management sectors. Founded in 2016 and headquartered in Modena, Italy, with an office in London, Axyon AI develops advanced web applications that enhance decision-making for asset managers and corporate banks. Its flagship product, Axyon SynFinance, provides predictive analytics for liquidity, market conditions, and lead generation tailored for loan syndication desks. Another significant offering, Axyon IRIS, delivers periodic predictions on key financial metrics such as volatility and various performance ratios, aiding asset managers in strategy formulation. By leveraging deep learning technologies, Axyon AI creates customized predictive models that are designed to improve portfolio management and generate alpha, thereby facilitating innovative investment and risk management processes.

Yolt is a company based in Amsterdam, Netherlands, with additional offices in London, UK, that specializes in developing a money management application. Founded in 2016, Yolt aims to empower users to take control of their finances through a user-friendly platform that aggregates accounts and provides personal financial insights. By allowing users to manage their finances across multiple banks and services in one place, Yolt leverages open banking to enhance financial management. The application is designed to simplify money management, making it an engaging and efficient experience for users.

Cobase is a technology company based in Mountain View, California, that operates a multi-bank platform designed to streamline access to various bank accounts and financial services. Founded in 2012, the platform serves as a centralized hub for small to medium-sized businesses, offering features such as a central payment hub, cash management, and treasury modules. By consolidating connections to multiple banks and financial service providers, Cobase enhances financial and operational efficiency for its users. The platform enables centralized management of users and authorization schemes across different subsidiaries or departments, simplifying security by requiring only one security token per user. Cobase aims to provide relevant and practical resources to business owners, facilitating better management of their financial operations.

WeLab Holdings is a digital lending platform operator offering online and mobile lending products through platforms such as Wolaidai in China and WeLend in Hong Kong. It provides personal loans, balance transfers, and handset installment plans, and uses proprietary risk management technology to analyze unstructured mobile data to rapidly assess creditworthiness for individual borrowers. The company also serves small businesses through online lending and offers B2B fintech solutions by partnering with traditional financial institutions to extend fintech-enabled services to their customers. The business emphasizes data-driven credit decisions and aims to deliver accessible financing with competitive rates across its markets in Hong Kong and China.

WeLab Holdings is a digital lending platform operator offering online and mobile lending products through platforms such as Wolaidai in China and WeLend in Hong Kong. It provides personal loans, balance transfers, and handset installment plans, and uses proprietary risk management technology to analyze unstructured mobile data to rapidly assess creditworthiness for individual borrowers. The company also serves small businesses through online lending and offers B2B fintech solutions by partnering with traditional financial institutions to extend fintech-enabled services to their customers. The business emphasizes data-driven credit decisions and aims to deliver accessible financing with competitive rates across its markets in Hong Kong and China.

Twyp is a free app that lets you pay money to your friends using your smartphone.

Kabbage is a financial technology company that provides small businesses with automated access to working capital through a 100% online lending platform. The platform uses business data such as revenue, accounting data, transactions, shipping, and other sources to assess health and calculate credit lines in real time, enabling applications, approvals, and funding decisions in minutes. It offers ongoing lines of credit and a purchasing card tied to the account for point-of-sale payments, along with a mobile app for on-the-go access and management. Kabbage began serving online merchants and expanded to all small businesses, including brick-and-mortar customers, and licenses its data and technology to power lending for other organizations.