Alma Mundi Ventures

Hokodo Ltd is a London-based company that specializes in developing insurance and financing solutions tailored for B2B marketplaces and digital platforms such as cloud accounting and e-invoicing systems. Founded in 2018, Hokodo offers a user-friendly digital platform that integrates easily with existing systems, streamlining the order-to-cash process. Their services include Invoice Protection, which safeguards businesses against unpaid invoices, and Secure Freight, which protects goods during transit or storage. Additionally, Hokodo enables real-time credit assessments, allowing merchants to make informed decisions regarding credit terms, protect themselves against bad debt, and access working capital financing options. Through these innovations, Hokodo aims to enhance the safety and efficiency of B2B transactions across Europe.

Epoch Biodesign is focused on creating natural solutions to address climate challenges through innovative biotechnological advancements. The company specializes in the development of plastic-eating enzymes that facilitate biorecycling, a tunable enzymatic process that converts plastic waste into everyday chemicals. By leveraging insights from nature alongside expertise in computational and biological sciences, Epoch Biodesign enables efficient recycling of unrecyclable plastic waste into low-carbon chemicals. Their approach emphasizes intelligent navigation of sequence space to discover and develop products utilizing complex proteins, thereby advancing sustainable practices in waste management.

LAIIER is an innovative B2B technology company specializing in smart, connected solutions for early leak detection in commercial buildings and industrial facilities. With a foundation in advanced printed sensor technology, LAIIER's products, such as the Severn WLD™ smart tape, combine precision sensing, easy installation, and wireless communication to deliver real-time monitoring of water and hydrocarbon leaks. These solutions mitigate damage, reduce operational downtime, and enhance sustainability. Leveraging a subscription-based business model, LAIIER serves industries including commercial real estate, industrial machinery, and roofing, providing actionable insights through its proprietary cloud platform. Backed by a portfolio of patents and collaborations with leading industry partners, LAIIER is driving innovation at the intersection of IoT and sustainability, empowering businesses to prevent costly leaks while reducing their environmental footprint​​​.

Ole Insurance Group focuses on offering protection and well-being products and services through technology. Ole Insurance Group was founded in 2021 and was headquartered in Puerto Rico.

Submer is a company that specializes in innovative immersion cooling technology for the data center industry. Its proprietary system submerges servers in a dielectric fluid, which offers significantly higher cooling capacity compared to traditional air cooling. This approach allows Submer's solutions to achieve remarkable energy efficiency, reducing electricity consumption by 50% and requiring only 15% of the real estate compared to conventional setups. The technology is designed to be versatile and can be installed in various locations without the need for costly infrastructure. By enhancing cooling efficiency and minimizing the risk of equipment damage, Submer provides clients with reliable performance while promoting environmentally friendly practices in data management.

BizAway is a cloud-based travel booking platform that provides comprehensive solutions for managing business travel. The platform simplifies the entire travel process, from booking transportation and accommodations to handling administrative tasks such as invoice management. By centralizing the management of travel documents, BizAway enables businesses to streamline their travel arrangements, allowing them to book tickets efficiently without incurring additional commissions. This approach not only saves time but also reduces costs, making it an effective tool for organizations looking to optimize their travel operations.

Neat is an InsurTech startup that specializes in providing embedded insurance solutions for retailers. The company offers a customizable insurance platform that allows businesses to enhance their revenue by integrating white-label insurance services into both digital and physical sales channels. Neat enables merchants to sell a variety of insurance products, including travel and mobility coverage, as well as extended warranties, directly at the point of sale. By combining technology with human support, Neat ensures comprehensive protection for products under clear and transparent terms, allowing merchants to prioritize their sales efforts while improving customer loyalty without the need for upfront fees or extensive technological resources.

Supercede is an independent reinsurance technology company focused on enhancing the traditional reinsurance value chain by providing a digital ecosystem for all stakeholders, including cedents, brokers, and reinsurers. The company has developed a powerful, data-centric trading platform that facilitates global reinsurance transactions. This platform features advanced analytics and an intuitive interface, allowing brokers to efficiently market risks to a worldwide audience of underwriters. Supercede promotes networking and collaboration through tools such as group chat, rapid file sharing, and integrated workflow management, all designed to optimize the reinsurance lifecycle. By streamlining processes from data capture to ongoing administration, Supercede aims to improve the efficiency and effectiveness of risk management in the reinsurance industry.

Urban Jungle, established in 2016 and headquartered in London, specializes in providing insurance solutions tailored for urban renters and sharers. Its innovative platform offers a comprehensive home insurance policy that covers deposits, shared possessions, and emergency expenses, with features allowing housemates to split bills and update names as needed. This tech-driven approach aims to make home insurance more accessible and affordable for young professionals.

ELEMENT Insurance AG is a digital insurance provider based in Berlin, Germany, founded in March 2017. The company specializes in creating white-label insurance products and is recognized as a leader in insurance digitalization. Licensed by the German Federal Financial Supervisory Authority, ELEMENT operates as a direct insurer for non-life insurance across 28 European countries, allowing it to manage risks and settle claims directly. ELEMENT's innovative technology platform, referred to as 'Insurance as a Platform,' supports a B2B2X model, enabling various partners—from e-commerce businesses to traditional insurers—to develop and market customized insurance solutions under their own brands. The platform streamlines the insurance value chain, addressing key functions such as actuarial calculations, underwriting, policy administration, customer service, and claims management, thereby enhancing efficiency and reducing complications within the industry.

Raincoat is a company focused on developing scalable embedded climate insurance products, supported by an automated infrastructure. It partners with insurers, reinsurers, governments, and financial institutions to create and distribute parametric insurance solutions. By facilitating instant payouts on catastrophe policies, Raincoat aims to enhance financial resilience for businesses affected by natural disasters. The company’s approach seeks to unlock new markets and promote climate resilience on a broad scale.

REVER is a software as a service (SaaS) company focused on enhancing the returns process for B2B e-commerce operations. Its platform aims to streamline and simplify the returns experience for both businesses and customers, making it quick and efficient. By automating the post-sale process, including returns, re-sales, and reviews, REVER addresses a critical need within the e-commerce sector. The company provides tools that empower businesses to grow and scale while ensuring a sustainable approach to returns. With a commitment to improving operational efficiency, REVER is positioned to significantly impact the growing B2B SaaS market.

Life5 is a life insurance provider established in March 2020 in Madrid, Spain, aimed at safeguarding families through accessible and straightforward insurance solutions. The company operates an online platform that allows users to quickly obtain life insurance without the need for agents or medical examinations. Life5's system enables customers to calculate real costs and offers flexible policies tailored to individual needs, ensuring that clients can select the most suitable insurance coverage to protect their loved ones. By prioritizing user-friendliness, Life5 strives to make life insurance both fair and easily accessible to a broad audience.

Ole Insurance Group focuses on offering protection and well-being products and services through technology. Ole Insurance Group was founded in 2021 and was headquartered in Puerto Rico.

Barkibu is a digital health service provider for animals, established in May 2015 by Enrique Torres Redondo, Pablo Pazos, and Patricia Mendez Seoane in A Coruna, Spain. The company offers an online veterinary consultation platform that enables pet owners to find and book appointments with veterinarians, ask questions, and conduct check-ups through video conferencing. By integrating artificial intelligence with veterinary expertise, Barkibu aims to meet the pet care needs of owners remotely and conveniently.

Biow is a MedTech company focused on advancing healthcare through innovative research projects related to oxidative stress and cell regeneration. The company has developed a patented cellular regeneration system that utilizes cold plasma medicine to achieve therapeutic effects for various health conditions, including respiratory issues, circulatory problems, muscle function enhancement, and sleep improvement. Biow's technology is designed to be accessible for both residential and office settings, aiming to improve the overall health and well-being of its users.

Kinsu is an insurance agency that aims to simplify the process of purchasing insurance and increase financial inclusion. By offering a range of products including car, medical, home, life, and retirement insurance, Kinsu addresses the protection gap and strives to reduce acquisition costs for its clients. The company focuses on providing clear explanations of insurance options, thereby enabling clients to navigate the complexities of insurance purchasing more easily. Through its innovative distribution model, Kinsu seeks to save clients time and money while removing the obstacles typically associated with acquiring insurance coverage.

Abi Global Health is an information technology company specializing in the healthcare sector, providing an online platform that facilitates connections between users and medical professionals. The company's application leverages artificial intelligence to deliver health advice through micro-consultations and telemedicine solutions, integrating with popular messaging apps. This approach allows users to access trusted medical guidance from a global network of doctors, ensuring they can receive prompt answers or detailed consultations as needed. Abi Global Health aims to enhance the accessibility of healthcare services through innovative technology.

Opscura is a technology company that specializes in developing advanced encryption solutions for real-time information protection. Founded in 2011 and headquartered in San Sebastian, Gipuzkoa, Opscura focuses on enhancing the security of video conferencing and other communication services by offering encryption that is 95 percent more efficient than traditional methods, while also significantly reducing bandwidth consumption. The company's innovative technologies provide visibility and protection for operational technology networks, helping to safeguard vulnerable industrial assets and improve threat detection. By enabling cost-effective deployment of its solutions within existing infrastructures, Opscura aims to minimize operational risks and enhance overall cybersecurity for its clients.

Twinco Capital is a financial services company based in Alcobendas, Spain, that specializes in providing innovative financing solutions for the supply chain industry. Founded in 2016, Twinco offers a comprehensive supply chain finance platform that addresses the full production cycle, from purchase orders to final invoice payments. The company connects suppliers, both large and small, with affordable funding options while also assisting buyers in establishing competitive and socially responsible supply chains. By leveraging advanced supply chain analytics and embedding environmental, social, and governance (ESG) metrics into its financing programs, Twinco aims to create a more equitable landscape for small and medium-sized enterprises in global trade. Through its unique approach, Twinco is committed to fostering inclusive growth and enhancing the sustainability of global supply chain practices.

Neat is an InsurTech startup that specializes in providing embedded insurance solutions for retailers. The company offers a customizable insurance platform that allows businesses to enhance their revenue by integrating white-label insurance services into both digital and physical sales channels. Neat enables merchants to sell a variety of insurance products, including travel and mobility coverage, as well as extended warranties, directly at the point of sale. By combining technology with human support, Neat ensures comprehensive protection for products under clear and transparent terms, allowing merchants to prioritize their sales efforts while improving customer loyalty without the need for upfront fees or extensive technological resources.

Acurable Limited is a MedTech company based in London, specializing in the development and commercialization of a wearable sensor-based health care device aimed at diagnosing and managing respiratory conditions. Founded in 2016, Acurable has created the AcuPebble, a device that enables non-invasive diagnosis of sleep apnea and other respiratory issues through the collection and analysis of acoustic signals. The AcuPebble employs advanced algorithms to extract clinically relevant parameters and biomarkers, facilitating automated and accurate diagnosis while significantly reducing the risk of misdiagnosis. This innovative technology, the result of a decade of research at Imperial College London, allows for home use without the need for specialist training or hospital visits, thereby lowering overall healthcare costs. Acurable's mission is to enhance understanding of human biosignals to ensure that no one dies from a treatable condition.

ELEMENT Insurance AG is a digital insurance provider based in Berlin, Germany, founded in March 2017. The company specializes in creating white-label insurance products and is recognized as a leader in insurance digitalization. Licensed by the German Federal Financial Supervisory Authority, ELEMENT operates as a direct insurer for non-life insurance across 28 European countries, allowing it to manage risks and settle claims directly. ELEMENT's innovative technology platform, referred to as 'Insurance as a Platform,' supports a B2B2X model, enabling various partners—from e-commerce businesses to traditional insurers—to develop and market customized insurance solutions under their own brands. The platform streamlines the insurance value chain, addressing key functions such as actuarial calculations, underwriting, policy administration, customer service, and claims management, thereby enhancing efficiency and reducing complications within the industry.

Hokodo Ltd is a London-based company that specializes in developing insurance and financing solutions tailored for B2B marketplaces and digital platforms such as cloud accounting and e-invoicing systems. Founded in 2018, Hokodo offers a user-friendly digital platform that integrates easily with existing systems, streamlining the order-to-cash process. Their services include Invoice Protection, which safeguards businesses against unpaid invoices, and Secure Freight, which protects goods during transit or storage. Additionally, Hokodo enables real-time credit assessments, allowing merchants to make informed decisions regarding credit terms, protect themselves against bad debt, and access working capital financing options. Through these innovations, Hokodo aims to enhance the safety and efficiency of B2B transactions across Europe.

Artificial Labs Limited is a software company focused on the insurance industry, providing a comprehensive suite of applications designed to enhance operational efficiency and improve risk management. Founded in 2013 and headquartered in London, the company offers various products, including Artificial Build for data capturing and workflow automation, Artificial Distribute for data collection and distribution, Artificial Price for risk selection and pricing, and Artificial Manage for portfolio management. The company's platform leverages machine learning and algorithmic underwriting, allowing insurers to digitize processes, capture data accurately, and streamline the insurance lifecycle. By facilitating seamless integrations and enhancing data utilization, Artificial Labs empowers clients to make informed decisions, reduce costs, and improve overall customer experiences.

AKKO offers a protection plan for phones, laptops, electronics, and other vital personal items. It offers simple, all-inclusive protection that is trustworthy and reasonably priced. The company offers modern, simple, and affordable device protection options, including phone-only plans for all consumer devices, providing customers, users, or employees with protection benefits.

Galgus is a company specializing in intelligent WiFi technology that enhances network performance and delivers advanced geolocation analytics. Recognized by Gartner, it holds seven international patents and operates offices in Spain, the United States, Colombia, and Peru. Galgus has established itself as a leader in onboard WiFi technology for aircraft and trains, with over 5,000 devices installed globally. Its Smart WiFi solutions are also deployed in diverse environments, including football stadiums, schools, shopping centers, and hotels, ensuring optimal user experiences. The company's hardware-agnostic technology optimizes spectral efficiencies for various WiFi devices, improving performance while minimizing interference and power consumption. Galgus serves notable clients such as Telefónica, Boeing, and Hoteles Barceló, among others.

Lang.ai is a language understanding platform that specializes in automating the processing and analysis of unstructured text data from various sources, including social networks and customer support interactions. Founded in 2012 and headquartered in Madrid, Spain, with additional offices in the United States and Mexico, the company utilizes artificial intelligence to streamline workflows associated with language processing. Lang.ai's platform enables users to automatically tag and categorize customer conversations using their own data, facilitating the identification of new patterns and insights. Key features include intent customization, real-time self-supervised classification, and advanced algorithmic preprocessing techniques such as tokenization and lemmatization. By optimizing these processes, Lang.ai aims to enhance operational efficiency and reduce costs for businesses across various sectors.

SafetyWing is a startup based in Palo Alto, California, founded in 2017 by Sondre Rasch, Sarah Beyahte Sandnes, and Hans Nyvold Kjellby. The company specializes in providing travel medical insurance solutions tailored for remote workers and digital nomads. Its flagship product, Remote Health, offers personalized insurance coverage for individuals outside their home country, addressing the unique lifestyle disruption needs faced by those in the gig economy. SafetyWing's services include emergency medical treatment, coverage for lost luggage, and travel delays, enabling online freelancers and entrepreneurs to secure cost-effective insurance in real-time. By catering to the specific requirements of individuals with transferable jobs and variable incomes, SafetyWing empowers them to travel with greater freedom and peace of mind.

FloodMapp is a company specializing in predictive flood mapping technology, offering a suite of business-to-business software-as-a-service products. The company provides real-time web mapping services that integrate with geographical information systems to enhance situational awareness before, during, and after flood events. By leveraging big data analytics, automation, and machine learning alongside advanced hydrology and hydraulic models, FloodMapp delivers large-scale and rapid flood modeling. Its platform aggregates live rainfall and river height data to create flood inundation maps, enabling government agencies and disaster management boards to issue timely warnings, mitigate flood-related damages, and ultimately save lives.

Betterfly is a purpose-driven wellbeing and insurance platform founded in 2018 and based in Santiago, Chile. The company aims to enhance the health and wellbeing of organizations and their employees while fostering positive community impact. Betterfly's innovative platform rewards individuals for adopting healthy habits by providing life insurance coverage that increases daily. Additionally, every healthy activity is converted into a charitable donation, enabling businesses to integrate corporate wellness and social responsibility into their employee benefits programs. This unique approach not only promotes individual health but also encourages corporate engagement in community support.

Descartes Underwriting SAS is a managing general agency based in Paris, France, founded in 2018 with international offices across multiple cities including London, Madrid, Frankfurt, New York, Sydney, Singapore, and Hong Kong. The company specializes in underwriting insurance policies on behalf of select insurers, reinsurers, and insurance-linked securities funds. Descartes Underwriting operates across diverse sectors such as agriculture, aquaculture, mining, construction, energy, banking, entertainment, and retail distribution. It designs B2B2C solutions including pricing engines, back-end systems, and APIs, along with claims management services. The company's mission is to provide best-in-class, climate tech-driven parametric insurance to corporations and governments worldwide, ensuring trust in coverage and continuity despite natural disasters and emerging risks.

Submer is a company that specializes in innovative immersion cooling technology for the data center industry. Its proprietary system submerges servers in a dielectric fluid, which offers significantly higher cooling capacity compared to traditional air cooling. This approach allows Submer's solutions to achieve remarkable energy efficiency, reducing electricity consumption by 50% and requiring only 15% of the real estate compared to conventional setups. The technology is designed to be versatile and can be installed in various locations without the need for costly infrastructure. By enhancing cooling efficiency and minimizing the risk of equipment damage, Submer provides clients with reliable performance while promoting environmentally friendly practices in data management.

Unkle is an Insurtech startup based in Paris, France, focused on simplifying the rental process for both tenants and landlords. The company offers four primary insurance products: a renter guarantee, which allows Unkle to act as a guarantor for tenants for a fee; a landlord guarantee, which protects property owners against unpaid rent; home insurance; and owner insurance. By providing these services, Unkle aims to enhance rental applications and reduce the risks associated with renting, making it easier for tenants to find housing while offering landlords financial security.

Bolttech is an international InsurTech company specializing in AI-driven point-of-sale insurance solutions. Its platform offers a wide range of insurance products including device protection, travel, motor, property, life, and digital insurance to consumers worldwide, with a significant presence in Asia. Bolttech's technology enables seamless connections between insurers, distributors, and customers, facilitating efficient buying and selling of insurance products.

Job&Talent is a leading marketplace for essential work, specializing in matching individuals with companies through its advanced platform. Founded in 2009 and headquartered in Madrid, the company utilizes technology to simplify the hiring process, offering services that include messaging, in-application hiring, staffing, and payroll management. This innovative approach leverages big-data matching technology to enhance recruitment efficiency and quality. In 2022, Job&Talent successfully placed over 340,000 workers in more than 2,500 companies, generating €1.9 billion in revenue. Operating in ten countries across Europe, the U.S., and Latin America, Job&Talent is recognized as the highest-valued unicorn in Spain, with a valuation of $2.4 billion and support from prominent investors. The company is committed to expanding its reach and continuing to deliver reliable, flexible work solutions for both job seekers and employers.

Spotahome is a platform specializing in mid- to long-term residential rentals, transforming the property market by enabling online bookings for stays exceeding 30 days. The company provides comprehensive property listings that include high-quality photographs, HD video tours, detailed floor plans, and thorough descriptions of both the properties and their neighborhoods. This approach allows tenants to secure accommodations from anywhere in the world without requiring in-person viewings, thereby saving time and costs for both tenants and landlords. Spotahome creates these listings at no expense to property owners, employing professional photographers, known as "Homecheckers," to capture the necessary audiovisual materials. Additionally, the platform offers guarantees against default payments and damages, enhancing security for both parties involved. Founded in March 2014 by Alejandro Artacho, Bryan McEire, Hugo Monteiro, and Bruno Bianchi, Spotahome operates in 11 cities across eight European countries, with offices in Madrid, Spain, and London, UK.

Consentio is a business-to-business marketplace platform focused on optimizing the food supply chain. It facilitates efficient communication and transparency among producers, cooperatives, wholesalers, and supermarkets. By improving the ordering process, Consentio aims to reduce food waste and enhance operational efficiency across the industry. The platform provides real-time updates and streamlined negotiation processes, empowering its users to optimize procurement and commercial activities. This approach not only supports sustainable practices but also aids businesses in maintaining compliance with environmental, social, and corporate governance standards while improving their financial performance. Through its comprehensive solution, Consentio strengthens the connections among various stakeholders in the food supply chain.

Kinsu is an insurance agency that aims to simplify the process of purchasing insurance and increase financial inclusion. By offering a range of products including car, medical, home, life, and retirement insurance, Kinsu addresses the protection gap and strives to reduce acquisition costs for its clients. The company focuses on providing clear explanations of insurance options, thereby enabling clients to navigate the complexities of insurance purchasing more easily. Through its innovative distribution model, Kinsu seeks to save clients time and money while removing the obstacles typically associated with acquiring insurance coverage.

Agentero Inc., established in 2017 with headquarters in Oakland, California, develops an online application designed to streamline insurance policy management for independent agents. The platform enables agents to monitor clients, cross-sell and up-sell policies, while offering policyholders tools to manage their insurance policies directly. Agentero's technology also facilitates access to modern carriers, enhancing agents' ability to identify customer needs and provide tailored quotes efficiently. With additional offices in Nashville, Tennessee, and Madrid, Spain, the company aims to create a smarter, more intuitive insurance ecosystem by empowering agents to offer suitable insurance products at the right time.

Asistensi is a provider of insurance and medical assistance services focused on empowering migrants by ensuring their loved ones' health is managed while they live abroad. The company operates on the belief that health care is a fundamental human right and essential for individual prosperity. Its digital-first platform offers immediate medical assistance during emergencies, allowing migrants to access necessary services through a user-friendly application. By prioritizing accessible health care, Asistensi aims to protect migrants from financial setbacks associated with medical issues, enabling them to fulfill their responsibilities towards their families back home.

Klarna Inc. is an e-commerce payment solutions provider that serves both merchants and consumers, specializing in flexible payment options. Founded in 2005 and headquartered in Columbus, Ohio, with additional offices in New York City, Klarna offers a range of services including direct payments, pay-after-delivery options, and installment plans. The company is recognized for its "buy now, pay later" model, allowing shoppers to finance their retail purchases with interest-free payments. Klarna also enhances the shopping experience through its app, which offers features such as cashback rewards and on-site messaging for retailers. As a regulated bank, Klarna operates under a framework that supports a variety of payment processing and dispute resolution services, aiming to make transactions simple, safe, and smooth for users.

ELEMENT Insurance AG is a digital insurance provider based in Berlin, Germany, founded in March 2017. The company specializes in creating white-label insurance products and is recognized as a leader in insurance digitalization. Licensed by the German Federal Financial Supervisory Authority, ELEMENT operates as a direct insurer for non-life insurance across 28 European countries, allowing it to manage risks and settle claims directly. ELEMENT's innovative technology platform, referred to as 'Insurance as a Platform,' supports a B2B2X model, enabling various partners—from e-commerce businesses to traditional insurers—to develop and market customized insurance solutions under their own brands. The platform streamlines the insurance value chain, addressing key functions such as actuarial calculations, underwriting, policy administration, customer service, and claims management, thereby enhancing efficiency and reducing complications within the industry.

Urban Jungle, established in 2016 and headquartered in London, specializes in providing insurance solutions tailored for urban renters and sharers. Its innovative platform offers a comprehensive home insurance policy that covers deposits, shared possessions, and emergency expenses, with features allowing housemates to split bills and update names as needed. This tech-driven approach aims to make home insurance more accessible and affordable for young professionals.

Barkibu is a digital health service provider for animals, established in May 2015 by Enrique Torres Redondo, Pablo Pazos, and Patricia Mendez Seoane in A Coruna, Spain. The company offers an online veterinary consultation platform that enables pet owners to find and book appointments with veterinarians, ask questions, and conduct check-ups through video conferencing. By integrating artificial intelligence with veterinary expertise, Barkibu aims to meet the pet care needs of owners remotely and conveniently.

Sherpa.ai is a developer of an advanced platform for privacy-preserving artificial intelligence, enabling the collaborative training of AI models without the need to share data. Utilizing federated learning as its core framework, the platform incorporates various privacy-enhancing technologies, including homomorphic encryption, secure multiparty computation, and differential privacy. By leveraging these technologies, Sherpa.ai provides clients with solutions that ensure compliance with current and forthcoming regulations regarding data privacy. The company's innovative approach emphasizes security and confidentiality, making it a leader in the field of privacy-preserving AI.

Koa Health B.V., founded in 2018 and headquartered in Amsterdam, specializes in digital healthcare solutions aimed at enhancing mental well-being in the workplace. The company, which also has offices in Barcelona, the United States, and the United Kingdom, develops a range of applications, including the koa foundation, to support employees' mental health. Koa Health's offerings incorporate the latest clinical research and technology to provide accessible and personalized mental health support across various conditions. Its product suite includes Foundations for managing mild mental health issues, Perspectives for delivering standalone cognitive-behavioral therapy (CBT) for more serious cases, and Mindset, which offers supervised digital-first CBT for patients at elevated clinical risk. Additionally, Koa Health provides a library of evidence-based activities designed to address stress, sleep improvement, relaxation, positive thinking, and self-confidence, making it a comprehensive resource for mental health prevention, prediction, and treatment.

Twinco Capital is a financial services company based in Alcobendas, Spain, that specializes in providing innovative financing solutions for the supply chain industry. Founded in 2016, Twinco offers a comprehensive supply chain finance platform that addresses the full production cycle, from purchase orders to final invoice payments. The company connects suppliers, both large and small, with affordable funding options while also assisting buyers in establishing competitive and socially responsible supply chains. By leveraging advanced supply chain analytics and embedding environmental, social, and governance (ESG) metrics into its financing programs, Twinco aims to create a more equitable landscape for small and medium-sized enterprises in global trade. Through its unique approach, Twinco is committed to fostering inclusive growth and enhancing the sustainability of global supply chain practices.

Asistensi is a provider of insurance and medical assistance services focused on empowering migrants by ensuring their loved ones' health is managed while they live abroad. The company operates on the belief that health care is a fundamental human right and essential for individual prosperity. Its digital-first platform offers immediate medical assistance during emergencies, allowing migrants to access necessary services through a user-friendly application. By prioritizing accessible health care, Asistensi aims to protect migrants from financial setbacks associated with medical issues, enabling them to fulfill their responsibilities towards their families back home.

Mr Jeff Labs, S.L., founded in 2015 by Eloi Gómez, Adrián Lorenzo, and Rubén Muñoz in Valencia, Spain, offers a mobile application that initially focused on home laundry and dry-cleaning services. The company has since expanded its offerings to include a variety of everyday services such as hairdressing, beauty treatments, fitness, and massages, establishing itself as an international omnichannel ecosystem for day-to-day needs. Mr Jeff also provides opportunities for individuals to invest in or start their own businesses under the Jeff brand, facilitating entrepreneurship in the service sector.

Galgus is a company specializing in intelligent WiFi technology that enhances network performance and delivers advanced geolocation analytics. Recognized by Gartner, it holds seven international patents and operates offices in Spain, the United States, Colombia, and Peru. Galgus has established itself as a leader in onboard WiFi technology for aircraft and trains, with over 5,000 devices installed globally. Its Smart WiFi solutions are also deployed in diverse environments, including football stadiums, schools, shopping centers, and hotels, ensuring optimal user experiences. The company's hardware-agnostic technology optimizes spectral efficiencies for various WiFi devices, improving performance while minimizing interference and power consumption. Galgus serves notable clients such as Telefónica, Boeing, and Hoteles Barceló, among others.

BizAway is a cloud-based travel booking platform that provides comprehensive solutions for managing business travel. The platform simplifies the entire travel process, from booking transportation and accommodations to handling administrative tasks such as invoice management. By centralizing the management of travel documents, BizAway enables businesses to streamline their travel arrangements, allowing them to book tickets efficiently without incurring additional commissions. This approach not only saves time but also reduces costs, making it an effective tool for organizations looking to optimize their travel operations.

Clarity AI, Inc. is a technology company that specializes in sustainability solutions through its platform that leverages machine learning and big data to provide insights into environmental and social impacts. Established in 2017 and headquartered in Albany, New York, with additional offices in Madrid and London, Clarity AI's software-as-a-service (SaaS) offering enables systematic measurement and optimization of the social impact of investment portfolios. The platform analyzes data from over 30,000 companies, 135,000 funds, 198 countries, and 187 local governments, making it a vital resource for investors and organizations seeking to enhance their understanding of societal needs and the effectiveness of capital allocation. Clarity AI supports decision-makers by delivering comprehensive analytics for sustainability assessment, corporate research, benchmarking, and regulatory reporting, thereby facilitating improved investment strategies that consider social and environmental factors.

Submer is a company that specializes in innovative immersion cooling technology for the data center industry. Its proprietary system submerges servers in a dielectric fluid, which offers significantly higher cooling capacity compared to traditional air cooling. This approach allows Submer's solutions to achieve remarkable energy efficiency, reducing electricity consumption by 50% and requiring only 15% of the real estate compared to conventional setups. The technology is designed to be versatile and can be installed in various locations without the need for costly infrastructure. By enhancing cooling efficiency and minimizing the risk of equipment damage, Submer provides clients with reliable performance while promoting environmentally friendly practices in data management.

Omocom AB is a Stockholm-based company specializing in the provision of micro-insurance products tailored for the sharing and renting economy. Founded in 2017 and originally named Sharin AB, the company rebranded in September 2019 to reflect its focus on creating innovative insurance solutions. Omocom offers a platform that simplifies and automates the insurance process for both short-term and long-term coverage, making it easier for users to access safe and secure insurance as part of their digital transactions. Its services are designed to integrate seamlessly with various online platforms, allowing clients to enhance resource utilization while promoting sustainability.

Agentero Inc., established in 2017 with headquarters in Oakland, California, develops an online application designed to streamline insurance policy management for independent agents. The platform enables agents to monitor clients, cross-sell and up-sell policies, while offering policyholders tools to manage their insurance policies directly. Agentero's technology also facilitates access to modern carriers, enhancing agents' ability to identify customer needs and provide tailored quotes efficiently. With additional offices in Nashville, Tennessee, and Madrid, Spain, the company aims to create a smarter, more intuitive insurance ecosystem by empowering agents to offer suitable insurance products at the right time.

Synthesized Ltd. is a London-based company founded in 2017 that specializes in developing a software platform for secure data operations. The company leverages advanced machine learning and information security techniques to create synthetic datasets that replicate the structure of original data while ensuring compliance with data privacy regulations. By enabling businesses to share and work with these synthetic datasets, Synthesized eliminates the risks associated with exposing sensitive information. The platform is designed to automate test data generation, provisioning, and execution, facilitating faster and more secure software testing. It integrates seamlessly with various enterprise systems and is compliant with regulations such as GDPR and HIPAA. Trusted by industry leaders, Synthesized aims to transform enterprise software testing and enhance the overall value of data for organizations.

BizAway is a cloud-based travel booking platform that provides comprehensive solutions for managing business travel. The platform simplifies the entire travel process, from booking transportation and accommodations to handling administrative tasks such as invoice management. By centralizing the management of travel documents, BizAway enables businesses to streamline their travel arrangements, allowing them to book tickets efficiently without incurring additional commissions. This approach not only saves time but also reduces costs, making it an effective tool for organizations looking to optimize their travel operations.

NNAISENSE S.A. is a Swiss company established in 2014, with its headquarters in Lugano and an additional office in Austin, Texas. Specializing in neural network solutions, NNAISENSE focuses on enhancing superhuman perception and intelligent automation across various industries. The company stemmed from the Swiss AI institute, IDSIA, known for its pioneering contributions to artificial neural networks and deep learning. NNAISENSE has successfully collaborated with major industry players in sectors such as steel and glass production, robotics, additive manufacturing, autonomous vehicles, and renewable energy. Through these partnerships, the company delivers tailored solutions that leverage advanced research and practical experience to add significant value to its clients' operations.

DreamQuark is a technology company that specializes in advanced data analysis through deep representation learning, primarily serving the insurance, financial services, and healthcare sectors. The company focuses on developing algorithms that efficiently identify rare and hidden phenomena across diverse data types, including images, texts, and audio files. By providing a transparent solution, DreamQuark enables business users to easily access and interpret insights derived from large datasets. Additionally, the company offers a platform that enhances wealth management by delivering explainable predictions and personalized actions for informed decision-making. This platform also automates data science tasks, simplifying the creation of predictive models, thereby facilitating new sales opportunities and improving customer engagement for its clients.

Wefox is a technology company specializing in the insurance sector. It operates a digital platform that connects insurance providers, brokers, businesses, and customers, facilitating access to various insurance solutions. The company focuses on indirect sales, partnering with intermediaries to expand its market reach. Wefox's platform offers services such as policy management, claims settlement, and quotation generation for a range of insurance types, including health, liability, and disability.

WITRAC is a developer of a wireless real-time location system that leverages IoT, AI, and 5G technologies to facilitate digital transformation in Industry 4.0. The company provides a Track & Trace platform designed for constant monitoring of production elements, allowing users to identify, locate, measure, and control assets wirelessly and in real time. By integrating smart devices and an analytic platform, WITRAC enables clients to optimize their supply chains and logistics processes. The system records data with high frequency and facilitates the reception and transmission of information, allowing clients to minimize errors while enhancing productivity, efficiency, and automation across their operations.

Surfly is a technology company that specializes in real-time co-browsing and video chat solutions designed to enhance customer interactions. Its platform allows website visitors to seamlessly share their browsing experience with support agents, facilitating a more personalized and efficient service. Customers can initiate co-browsing sessions simply by clicking a link, without the need for software downloads or complex integrations. Surfly prioritizes security and privacy, ensuring that no customer data is stored and that users do not need to log in. The service can be easily customized to align with a company's branding and customer experience flows. Additionally, Surfly offers a fully documented API for straightforward integration into existing chat solutions, CRM systems, and call center platforms. With a user base exceeding 100,000, Surfly assists leading brands in improving customer experiences, fostering loyalty, and enhancing operational efficiency.

Emerge, Inc. is a consumer technology company founded in 2015 and based in Mountain View, California. The company specializes in developing a multi-sensory communication platform designed to enhance virtual interactions by integrating touch, sight, sound, and emotional connectivity. Emerge's flagship product line, the Wave-series, utilizes patented technology to create ultrasonic forcefields that users can physically feel, enabling experiences such as a "virtual high five" or the sensation of holding hands across distances, all without the need for gloves or controllers. This innovation aims to address the widespread feelings of disconnection experienced by over two billion people globally, focusing on fostering emotional connections in communications. Emerge boasts a diverse team of industry veterans and former entrepreneurs with expertise in consumer electronics, augmented reality, gaming, and brain-computer interfaces.

Kovrr, established in 2016 and headquartered in London, specializes in predictive cyber risk modeling for property & casualty insurers and reinsurers. Its platform analyzes, trains, models, and predicts cyber risks, providing real-time, data-driven insights into affirmative and non-affirmative exposures. This enables underwriters, exposure managers, and catastrophe modelers to understand, quantify, and manage cyber risks effectively using AI-powered predictive risk models.

Fixico is a digital platform that revolutionizes the automotive damage repair industry for consumers and businesses. It streamlines the handling process of car damage repairs, allowing drivers, insurers, and fleet owners to quickly obtain, compare, and select the best repair offers. With a network of 2,000 high-quality repair shops across the Netherlands, Belgium, and Germany, Fixico has processed over 200,000 damage cases to date. The platform provides users with insights into repair costs and facilitates access to competitive quotes from affiliated repair services, ensuring a convenient and economical solution for auto repair needs.

Customers include: Purdue, Litens Automotive, Baylor, & many more. Stats: 3.5M 3D prints managed (remotely). 8M hours of cloud 3D Printing. AstroPrint produces a suite of cloud based software products for the Additive Manufacturing (AM) industry. Our hottest piece of software is our Enterprise Fleet Management solution for multi-user 3D Printer environments. In a nutshell, this allows large organizations to run large scale 3D printer farms, regardless of the various 3D Printer brands/models they may have. They can even set 50+ permissions in order to limit the functionality for various user groups. Components include: Online Build Plate, online toolpath viewers, multiple slicing engines with intelligent slice-job routing, remote monitoring/management of the fleet, queueing & Group Queueing, print history, advanced analytics, SSO integrations, advanced cloud file management/sharing, 3DP APIs, 3rd party content integrations (print-from-web), CAD tool integrations (print-from-CAD), mobile apps (print-from-mobile), and much more.

Insurdata Corporation, established in 2017 and headquartered in Broomfield, Colorado, specializes in providing property-specific data solutions for insurance and reinsurance underwriters. The company offers high-resolution, peril-specific exposures and building-level risk data, supporting clients' pricing, underwriting, and portfolio management decisions. Insurdata's platform employs advanced technologies such as mobile augmented reality and 3-D model creation to deliver both desktop and mobile products, enabling real-time risk assessment and informed decision-making.

Artificial Labs Limited is a software company focused on the insurance industry, providing a comprehensive suite of applications designed to enhance operational efficiency and improve risk management. Founded in 2013 and headquartered in London, the company offers various products, including Artificial Build for data capturing and workflow automation, Artificial Distribute for data collection and distribution, Artificial Price for risk selection and pricing, and Artificial Manage for portfolio management. The company's platform leverages machine learning and algorithmic underwriting, allowing insurers to digitize processes, capture data accurately, and streamline the insurance lifecycle. By facilitating seamless integrations and enhancing data utilization, Artificial Labs empowers clients to make informed decisions, reduce costs, and improve overall customer experiences.

Datumize, established in 2014 and headquartered in Castelldefels, Barcelona, specializes in enterprise data integration software. It captures and transforms 'dark data'—hidden, untapped data within organizations—into actionable insights. By doing so, Datumize helps businesses in sectors like logistics, retail, and industry make informed decisions, enhance operational efficiencies, and ultimately boost revenues. The company was acquired in 2023.

Returnly Technologies, Inc., established in 2011 and headquartered in San Francisco with offices in Chicago and Madrid, specializes in providing subscription-based, digital return experiences for direct-to-consumer brands. Its core product, Returnly, streamlines the return process for both shoppers and retailers by automating reverse logistics and offering solutions like International Returns for global shoppers. Returnly's platform integrates with users' stores, carriers, and logistics, and CRM systems, enhancing the overall shopping experience with an average consumer satisfaction score of 91%.

ELEMENT Insurance AG is a digital insurance provider based in Berlin, Germany, founded in March 2017. The company specializes in creating white-label insurance products and is recognized as a leader in insurance digitalization. Licensed by the German Federal Financial Supervisory Authority, ELEMENT operates as a direct insurer for non-life insurance across 28 European countries, allowing it to manage risks and settle claims directly. ELEMENT's innovative technology platform, referred to as 'Insurance as a Platform,' supports a B2B2X model, enabling various partners—from e-commerce businesses to traditional insurers—to develop and market customized insurance solutions under their own brands. The platform streamlines the insurance value chain, addressing key functions such as actuarial calculations, underwriting, policy administration, customer service, and claims management, thereby enhancing efficiency and reducing complications within the industry.

BizAway is a cloud-based travel booking platform that provides comprehensive solutions for managing business travel. The platform simplifies the entire travel process, from booking transportation and accommodations to handling administrative tasks such as invoice management. By centralizing the management of travel documents, BizAway enables businesses to streamline their travel arrangements, allowing them to book tickets efficiently without incurring additional commissions. This approach not only saves time but also reduces costs, making it an effective tool for organizations looking to optimize their travel operations.

Submer is a company that specializes in innovative immersion cooling technology for the data center industry. Its proprietary system submerges servers in a dielectric fluid, which offers significantly higher cooling capacity compared to traditional air cooling. This approach allows Submer's solutions to achieve remarkable energy efficiency, reducing electricity consumption by 50% and requiring only 15% of the real estate compared to conventional setups. The technology is designed to be versatile and can be installed in various locations without the need for costly infrastructure. By enhancing cooling efficiency and minimizing the risk of equipment damage, Submer provides clients with reliable performance while promoting environmentally friendly practices in data management.

Geoblink is a SaaS-based location management platform that serves the retail ecosystem, which includes retail, consumer goods, and commercial real estate sectors. The platform enables professionals to gain valuable insights about their locations by utilizing both traditional and advanced analytic techniques on varying data sets. Through its intuitive map-based user interface, Geoblink displays a range of statistics in a straightforward manner, facilitating informed decision-making regarding store networks and geo-marketing strategies. Recognized by Bloomberg as one of the 50 most promising startups globally, Geoblink supports companies in optimizing their location-based strategies effectively.

Memgraph Ltd is a company based in London, United Kingdom, incorporated in 2016, that specializes in real-time graph database and analytics solutions. Its flagship product, Memgraph, is an in-memory graph database designed for high-performance applications, enabling organizations to analyze complex data relationships and uncover valuable insights. The platform supports various use cases, including risk assessment, identity and access management, and supply chain logistics. With a fully managed, cloud-hosted service, Memgraph offers rapid data processing capabilities to help enterprises meet customer expectations and optimize business outcomes. The company's open-source community consists of over 150,000 developers from more than 100 countries, fostering collaboration and innovation in the field of data-driven applications and real-time analytics.

Emerge, Inc. is a consumer technology company founded in 2015 and based in Mountain View, California. The company specializes in developing a multi-sensory communication platform designed to enhance virtual interactions by integrating touch, sight, sound, and emotional connectivity. Emerge's flagship product line, the Wave-series, utilizes patented technology to create ultrasonic forcefields that users can physically feel, enabling experiences such as a "virtual high five" or the sensation of holding hands across distances, all without the need for gloves or controllers. This innovation aims to address the widespread feelings of disconnection experienced by over two billion people globally, focusing on fostering emotional connections in communications. Emerge boasts a diverse team of industry veterans and former entrepreneurs with expertise in consumer electronics, augmented reality, gaming, and brain-computer interfaces.

We pioneer the creation and management of dynamic and adaptive digital-physical spaces influencing human behaviour & increasing asset value with our comprehensive POET control software for real-time environments, integrating data & sensors, light & media to drive human experience. Ours is a new niche of the smart buildings market which is growing at 33.7% CAGR. Its where IoT meets the experience economy disrupting several market segments led by real-estate looking to increase asset value. We have proven market fit, 20y of experience and a killer product!

Acurable Limited is a MedTech company based in London, specializing in the development and commercialization of a wearable sensor-based health care device aimed at diagnosing and managing respiratory conditions. Founded in 2016, Acurable has created the AcuPebble, a device that enables non-invasive diagnosis of sleep apnea and other respiratory issues through the collection and analysis of acoustic signals. The AcuPebble employs advanced algorithms to extract clinically relevant parameters and biomarkers, facilitating automated and accurate diagnosis while significantly reducing the risk of misdiagnosis. This innovative technology, the result of a decade of research at Imperial College London, allows for home use without the need for specialist training or hospital visits, thereby lowering overall healthcare costs. Acurable's mission is to enhance understanding of human biosignals to ensure that no one dies from a treatable condition.

Kantox, established in 2011, is a London-based technology company specializing in foreign exchange (FX) risk management solutions for corporates. It offers a software platform that automates end-to-end FX workflows, enabling businesses to mitigate risk and optimize their use of foreign currencies. Kantox's solutions include currency accounts, FX data management, risk mitigation strategies, and international payment services. The company caters to a diverse range of industries, including travel, fashion, engineering, e-commerce, and finance.

Plazah is a technology platform that facilitates personal commerce by providing instant access for individuals to sell top products and services from leading companies. The platform aims to create a healthy and equitable retail ecosystem, where sales are democratized, enabling brands and retailers to innovate and adapt to market changes. By empowering users to participate in the retail landscape, Plazah supports both creativity and disruption in commerce, allowing various stakeholders to thrive in a competitive environment.

Citibox operates a tech platform that facilitates last-mile delivery by connecting couriers with online shoppers via smart parcel lockers situated within residential buildings. These lockers enable 24/7 deliveries, enhancing courier productivity and ensuring secure, convenient package pickup for residents, all without requiring data or power connections.

NNAISENSE S.A. is a Swiss company established in 2014, with its headquarters in Lugano and an additional office in Austin, Texas. Specializing in neural network solutions, NNAISENSE focuses on enhancing superhuman perception and intelligent automation across various industries. The company stemmed from the Swiss AI institute, IDSIA, known for its pioneering contributions to artificial neural networks and deep learning. NNAISENSE has successfully collaborated with major industry players in sectors such as steel and glass production, robotics, additive manufacturing, autonomous vehicles, and renewable energy. Through these partnerships, the company delivers tailored solutions that leverage advanced research and practical experience to add significant value to its clients' operations.

Qumram AG is a Swiss company that specializes in providing a big data platform designed to enhance compliance and user experience intelligence for digital businesses, particularly in the financial services sector. Founded in 2010 and headquartered in Zurich, with additional offices in Barcelona, London, and San Francisco, Qumram's platform captures and archives digital activities across various channels, including web, social media, and mobile applications. It enables organizations to create a secure and transparent digital audit trail that meets regulatory requirements, such as MIFID-II and SEC regulations. By recording and replaying user interactions in a movie-like format, Qumram assists financial institutions in mitigating risks, resolving disputes, detecting fraud, and improving customer service. The company's solutions facilitate compliance without hindering operational efficiency, allowing businesses to leverage recorded data for deep insights into user behavior and enhance overall customer experience. As of November 2017, Qumram operates as a subsidiary of Dynatrace LLC.

Opscura is a technology company that specializes in developing advanced encryption solutions for real-time information protection. Founded in 2011 and headquartered in San Sebastian, Gipuzkoa, Opscura focuses on enhancing the security of video conferencing and other communication services by offering encryption that is 95 percent more efficient than traditional methods, while also significantly reducing bandwidth consumption. The company's innovative technologies provide visibility and protection for operational technology networks, helping to safeguard vulnerable industrial assets and improve threat detection. By enabling cost-effective deployment of its solutions within existing infrastructures, Opscura aims to minimize operational risks and enhance overall cybersecurity for its clients.

Glamping is a developer of an online booking platform designed to offer camping and alternative accommodations for travelers. The company's platform provides the guests the worldwide access to the curated collection of unique outdoor accommodations with nature based adventures, enabling travelers to stay in camps with the amnesties of a hotel.

Qumram AG is a Swiss company that specializes in providing a big data platform designed to enhance compliance and user experience intelligence for digital businesses, particularly in the financial services sector. Founded in 2010 and headquartered in Zurich, with additional offices in Barcelona, London, and San Francisco, Qumram's platform captures and archives digital activities across various channels, including web, social media, and mobile applications. It enables organizations to create a secure and transparent digital audit trail that meets regulatory requirements, such as MIFID-II and SEC regulations. By recording and replaying user interactions in a movie-like format, Qumram assists financial institutions in mitigating risks, resolving disputes, detecting fraud, and improving customer service. The company's solutions facilitate compliance without hindering operational efficiency, allowing businesses to leverage recorded data for deep insights into user behavior and enhance overall customer experience. As of November 2017, Qumram operates as a subsidiary of Dynatrace LLC.

Returnly Technologies, Inc., established in 2011 and headquartered in San Francisco with offices in Chicago and Madrid, specializes in providing subscription-based, digital return experiences for direct-to-consumer brands. Its core product, Returnly, streamlines the return process for both shoppers and retailers by automating reverse logistics and offering solutions like International Returns for global shoppers. Returnly's platform integrates with users' stores, carriers, and logistics, and CRM systems, enhancing the overall shopping experience with an average consumer satisfaction score of 91%.

Opscura is a technology company that specializes in developing advanced encryption solutions for real-time information protection. Founded in 2011 and headquartered in San Sebastian, Gipuzkoa, Opscura focuses on enhancing the security of video conferencing and other communication services by offering encryption that is 95 percent more efficient than traditional methods, while also significantly reducing bandwidth consumption. The company's innovative technologies provide visibility and protection for operational technology networks, helping to safeguard vulnerable industrial assets and improve threat detection. By enabling cost-effective deployment of its solutions within existing infrastructures, Opscura aims to minimize operational risks and enhance overall cybersecurity for its clients.

BidAway is a business that facilitates real-time online auctions for travel and entertainment packages. Through exclusive partnerships with hotels and activity providers, it offers customers a wide range of unsold items, allowing them to set their own prices in a transparent bidding process. This model optimizes the utilization of partners' excess capacity, creating an efficient marketplace for both customers seeking great deals and providers looking to fill unsold inventory.

RubiconMD, Inc. is a healthcare technology company that offers an online platform facilitating communication between primary care clinicians and specialists through eConsults. Founded in 2013 and headquartered in New York, RubiconMD enables primary care providers to quickly seek guidance and opinions on medical cases, thereby enhancing patient care and reducing costs. The platform allows clinicians to identify specialists based on various criteria, such as ratings and experience, ensuring informed decision-making in patient management. Additionally, RubiconMD provides continuing medical education (CME) programs, including live and on-demand webinars, and features RubiconRx, a clinical pharmacy service that supports medication management for patients. The company serves a diverse clientele, including employers, community health centers, health plans, and direct primary care practices, and also offers services related to electronic health records, workflow integration, and clinician engagement.

Sherpa.ai is a developer of an advanced platform for privacy-preserving artificial intelligence, enabling the collaborative training of AI models without the need to share data. Utilizing federated learning as its core framework, the platform incorporates various privacy-enhancing technologies, including homomorphic encryption, secure multiparty computation, and differential privacy. By leveraging these technologies, Sherpa.ai provides clients with solutions that ensure compliance with current and forthcoming regulations regarding data privacy. The company's innovative approach emphasizes security and confidentiality, making it a leader in the field of privacy-preserving AI.

Fairtime, S.L., established in 2014 and based in Madrid, Spain, develops a mobile application that facilitates a unique time exchange platform. This application allows users to sell their time to preferred brands or donate it to selected non-profit organizations. Additionally, it provides opportunities for publishers and developers to create and share content within the platform. Through this innovative approach, Fairtime aims to redefine the value of time and enhance user engagement with brands and charitable causes.

Paytime is an American company incorporated in Delaware that has developed a unique subscription payment platform allowing millennials to pay for digital content with their time of attention and data rather than money. This innovative approach enables users to earn credit by engaging with brands, similar to a model like MoviePass but focused on digital subscriptions. By offering a method for users to pay with their feedback and customer insights, Paytime aims to enhance the payment experience for entertainment content and services, making it more accessible and engaging for its users.

Kinsu is an insurance agency that aims to simplify the process of purchasing insurance and increase financial inclusion. By offering a range of products including car, medical, home, life, and retirement insurance, Kinsu addresses the protection gap and strives to reduce acquisition costs for its clients. The company focuses on providing clear explanations of insurance options, thereby enabling clients to navigate the complexities of insurance purchasing more easily. Through its innovative distribution model, Kinsu seeks to save clients time and money while removing the obstacles typically associated with acquiring insurance coverage.