BBVA Ventures

Ronesans Holding AS is a diversified company based in Ankara, Turkey, with a wide range of operations in construction, real estate development, energy, and health infrastructure. The company constructs various facilities, including shopping malls, offices, hotels, residential buildings, and industrial plants, alongside significant infrastructure projects such as bridges, tunnels, and power plants. Additionally, Ronesans engages in land development and investment activities. In the energy sector, the company operates ten hydroelectric power plants and is involved in electricity trading. Founded in 1993, Ronesans Holding has extended its reach beyond Turkey, with operations in several countries, including Russia, Turkmenistan, and Algeria, among others, reflecting its robust international presence.

Muxunav is focused on developing innovative digital payment systems and enhancing the functionality of vending machines. The company specializes in mobile payment solutions, online transaction systems, and digital wallets, potentially exploring blockchain-based payment methods as well. Additionally, Muxunav has created a remote visibility system that replaces traditional plastic labels in tobacco vending machines. This virtual display system allows machine owners to remotely control advertising, manage stock levels, and adjust pricing, thereby improving product visibility and identification. Through a combination of market research and technological creativity, Muxunav aims to add significant value to vending retail operations.

Jockey Plaza is a prominent shopping center offering a wide range of retail stores, dining options, and entertainment facilities. It features various services such as Jockey2Go for convenient shopping and gift cards usable across affiliated stores. The center aims to provide a comprehensive shopping experience with numerous amenities and customer support services.

Matrix Renewables is a renewable energy platform focused on acquiring and developing solar energy projects and related infrastructure across Europe, the United States, and Latin America. The company currently manages a portfolio that includes 2.3 GW of operational, under-construction, or nearly ready-to-build solar photovoltaic (PV) projects. In addition, Matrix Renewables has a robust pipeline of 7.3 GW of renewable energy projects in development, primarily in Spain, Chile, Colombia, and Mexico. The company is dedicated to providing sustainable and environmentally friendly energy solutions.

Neon is a Brazilian fintech company founded in 2016, offering a digital banking platform and bill payment services. With over 15 million customers and 1,600 employees, Neon provides a range of products including debit and credit cards without annual fees, personal loans, investments in CDB and CDI, cashback on debit transactions, and various payment methods. Notably, Neon For Life, an AI-driven platform, enables consumers to pay bills like rent and utilities on flexible terms, without traditional credit pitfalls. The company aims to provide accessible, abusive-fee-free financial services to Brazilian workers and micro-entrepreneurs, with a focus on simplicity and convenience.

Pathway Lending Corp. is a community development financial institution based in Nashville, Tennessee, dedicated to providing financing solutions to businesses that struggle to access traditional lending options. Founded in 1999, the organization offers a variety of loan programs, including those aimed at energy efficiency improvements and small business financing for real estate acquisition, renovations, and equipment purchases. Pathway Lending focuses on supporting entrepreneurs and business owners in low-to-moderate-income communities and other targeted populations, such as minority-owned businesses. By providing essential capital and educational resources, Pathway Lending plays a vital role in fostering economic development and job creation throughout Tennessee. The organization operates additional offices in Knoxville, Tri-Cities, and Jackson, reinforcing its commitment to delivering financial support where it is most needed.

Lucid Energy Group is a midstream services company based in Dallas, Texas, specializing in the gathering, processing, transportation, and treatment of natural gas and crude oil. Established in 2011, Lucid focuses on serving producers in the Permian Basin, particularly in the high-growth areas of the Wolfcamp and Clines shales. The company is actively expanding its greenfield gathering and processing facilities to meet the increasing demand for midstream infrastructure in the region. Lucid's operations include developing and operating a range of infrastructure and facilities, with field offices located in Sterling City and San Angelo. By emphasizing clear communication and customer service, Lucid aims to build trust with its clients, delivering tailored solutions that address their unique needs in the evolving energy landscape.

Opportunity Fund's microloan & microsavings programs help working families gain financial stability.

SumUp, established in 2011, is a leading financial technology company specializing in mobile point-of-sale (mPOS) solutions. It enables businesses, particularly small and medium-sized ones, to securely and conveniently accept card payments using smartphones or tablets. SumUp's proprietary hardware and mobile apps facilitate transactions, supporting magstripe, chip, and contactless payment methods. The company operates in 13 countries, including Germany, the UK, and Brazil, and employs over 100 people worldwide. SumUp's offerings also extend to SDKs and APIs for third-party integrations.

Prosper Marketplace Inc. is a peer-to-peer online credit marketplace based in San Francisco, California, founded in 2005. The company facilitates connections between individuals seeking consumer loans and those willing to invest in these loans, including both individuals and institutions. Prosper’s platform offers a range of fixed-rate, amortizing, and unsecured personal loans, all characterized by transparency, low fees, and no prepayment penalties. By utilizing a data-driven underwriting model, Prosper enables borrowers to access affordable loans while providing investors with the opportunity to earn competitive returns. The marketplace aims to create financial benefits for both borrowers and investors in a straightforward and efficient manner.

Personal Capital Corporation is a digital wealth management company that offers financial advisory services and innovative software solutions to help individuals manage their finances effectively. Founded in 2009 and headquartered in Redwood Shores, California, the company provides tools that allow users to monitor income, spending, and investment performance in one place. Its services include wealth management, personalized financial planning, risk assessments, and investment checkup tools. With a user base exceeding 2.5 million customers, Personal Capital combines advanced technology with expert guidance from registered investment advisors to deliver customized financial strategies aligned with clients' goals. Originally known as SafeCorp Financial Corp., the company rebranded to Personal Capital in June 2010, reflecting its commitment to enhancing personal financial management through technology.

DocuSign, Inc., established in 2003 and headquartered in San Francisco, specializes in cloud-based software for digital agreement processes. The company's core offering, DocuSign Agreement Cloud, enables businesses to automate and manage the entire agreement lifecycle, from preparation to execution and acting on agreements. This suite includes e-signature solutions, workflow automation, AI-driven insights, and industry-specific tools. DocuSign serves a wide range of sectors, from financial services to real estate, and caters to enterprises, small businesses, and individuals. The company also operates DocuSign Ventures, its corporate venture capital arm, investing in and partnering with startups innovating around the agreement process.

Taulia, established in 2009, is a global FinTech company specializing in supply chain management and financing software. Headquartered in San Francisco with offices worldwide, Taulia offers AI-driven solutions for both buyers and suppliers. For buyers, Taulia provides dynamic discounting, supply chain finance, cash forecasting, invoice automation, and supplier management tools. For suppliers, it offers early payment, electronic invoicing, and self-service platforms. Taulia's cloud-based solutions enable businesses to transform every invoice into a revenue opportunity, streamline e-invoicing, and empower suppliers, ultimately enhancing working capital management. The company has a strategic alliance with KPMG.

Kasisto, Inc. specializes in developing conversational platforms for financial institutions, enabling them to enhance customer engagement through virtual personal assistants. Its flagship product, KAI, is a digital experience platform that supports the creation of branded chatbots and virtual assistants capable of delivering personalized banking experiences across various channels, including mobile apps, websites, and voice-enabled devices. The platform offers tailored solutions such as KAI Consumer Banking, which enhances user interactions, KAI Business Banking, which provides instant access to essential financial information, and KAI Investment Management, which helps users navigate their financial goals through personalized insights. Founded in 2013 and headquartered in New York, Kasisto has additional offices in Mountain View and Singapore, focusing on improving customer experiences in the financial sector through intelligent, human-like conversations.

SumUp, established in 2011, is a leading financial technology company specializing in mobile point-of-sale (mPOS) solutions. It enables businesses, particularly small and medium-sized ones, to securely and conveniently accept card payments using smartphones or tablets. SumUp's proprietary hardware and mobile apps facilitate transactions, supporting magstripe, chip, and contactless payment methods. The company operates in 13 countries, including Germany, the UK, and Brazil, and employs over 100 people worldwide. SumUp's offerings also extend to SDKs and APIs for third-party integrations.

Telefónica, headquartered in Spain, is a global telecommunications giant operating in 24 countries. It provides fixed and mobile connectivity, along with a wide range of digital services, to over 315 million customers worldwide. The company's investment arm, Telefónica Innovation Ventures, focuses on tech startups and venture capital funds aligned with Telefónica's global strategy. It invests directly in around 10 startups and indirectly in over 80 through 12 VC funds, with a focus on 5G, AI, cybersecurity, IoT, cloud, and digital transformation. Telefónica also operates Telefónica Open Innovation, a global program connecting entrepreneurs, investors, and partners to capture innovation opportunities.

SumUp, established in 2011, is a leading financial technology company specializing in mobile point-of-sale (mPOS) solutions. It enables businesses, particularly small and medium-sized ones, to securely and conveniently accept card payments using smartphones or tablets. SumUp's proprietary hardware and mobile apps facilitate transactions, supporting magstripe, chip, and contactless payment methods. The company operates in 13 countries, including Germany, the UK, and Brazil, and employs over 100 people worldwide. SumUp's offerings also extend to SDKs and APIs for third-party integrations.

Travelprice.com is an independent online travel agency that operates a comprehensive travel search engine and information center. The platform allows users to book flights, hotels, holiday packages, car rentals, cruises, and train tickets. In addition to these services, Travelprice.com provides valuable travel tips to enhance the customer experience. Behind its user-friendly interface, the company is supported by a team of travel specialists dedicated to assisting customers in planning their trips effectively.

Megabank Financial Bank has specialized its lending practice in the residential construction industry. The Company's Chairman has extensive experience in the home building industry and has expanded the Bank's lending practice to date such that the Bank is one of the area's leading originators of land development and residential construction loans to small- and medium-sized homebuilders. Currently, the Bank can finance a builder or developer from the acquisition and development loan process, including assistance with special district financing, through the construction loan phase. During the five years ended December 31, 1997, the Bank originated over $750 million in total loans and during the nine months ended September 30, 1998, originated an additional $231 million of loans. While some of these loans remain on the Company's balance sheet, most have been repaid, refinanced or participated out to other financial institutions.