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TiPJAR® is a UK-based cashless and contactless tipping platform that facilitates tipping for service workers by allowing guests to provide gratuities easily and transparently. The platform features a distribution engine that empowers staff to manage and share their tips, alleviating administrative burdens and risks for business owners. This approach ensures that workers receive their tips efficiently, enhancing their overall experience and financial reward in the service industry.

Fazil is a fintech company that offers virtual cards and wallet accounts for digital payments on the one hand and a crypto exchange app on the other. Fazil's accounts and cards are completely digital, with no commissions or hidden fees. Users can easily spend money and pay their daily expenses using their mobile phones. Fazil simplifies money management through technology and products designed for, by, and for real people. At Fazil we opted for a business model that seeks to increase the happiness of users by rewarding their happy day-to-day spending through Cashback. This means that we do not compete for you to bring your salary (although you can also), but because you pay your day-to-day expenses with your phone. Therefore, we do not compete against traditional banks, but we complement them so that you can have greater order and improve your financial health.

Little Birdie is a fintech startup that has developed a subscription management platform aimed at helping consumers manage their various subscriptions and recurring payments. The app allows users to aggregate all their subscriptions in one place, set notifications for price changes and contract renewals, and easily compare prices to find better deals. Additionally, it offers features to switch suppliers or cancel unwanted subscriptions, enhancing user control over their financial commitments. Little Birdie also includes a marketplace that showcases numerous subscription options and free trials, providing personalized deals to users at crucial moments. This approach not only simplifies subscription management but also helps users make informed financial decisions.

OneBanx is a FinTech company founded in 2019 by Duncan Cockburn and based in London, England. It provides an innovative solution that enables customers of any bank to access essential banking services within their communities through a network of kiosks. These kiosks are designed to facilitate everyday banking transactions, such as cash withdrawals, deposits, payments, and account setups, particularly in areas where traditional bank branches have closed or may close in the future. By leveraging open banking technology, OneBanx significantly reduces operational costs for banks, offering savings of over 90% compared to maintaining physical branches. This approach ensures that local communities, as well as retail and SME customers, can continue to access vital banking services, thereby enhancing financial inclusion. The company is currently seeking funding to support its nationwide expansion.

TiPJAR® is a UK-based cashless and contactless tipping platform that facilitates tipping for service workers by allowing guests to provide gratuities easily and transparently. The platform features a distribution engine that empowers staff to manage and share their tips, alleviating administrative burdens and risks for business owners. This approach ensures that workers receive their tips efficiently, enhancing their overall experience and financial reward in the service industry.

Founded in Stockholm, Sweden in 2016, Steven is a mobile application designed to facilitate group payments and debt settlement. It automatically tracks paid amounts, sends reminders for pending debts, and helps users manage their finances efficiently.

Qonto is an online bank headquartered in Paris that serves small and medium-sized businesses and freelancers. It provides business bank accounts and digital banking services designed to simplify payments, accounting, and cash flow management for a range of company types. The platform offers features such as international transfers, invoicing, expense management, virtual cards, multi-account capabilities, and integrations with other business tools. With transparent pricing and a focus on efficiency, Qonto supports startups, founders, freelancers, and growing teams in managing finances.

VitraCash is a financial technology company that offers an innovative online application aimed at facilitating cashless payments, particularly for travelers. The application integrates artificial intelligence and machine learning to track spending habits, automatically categorize expenses, and provide comprehensive analyses of users' financial activities. By consolidating multiple payment cards into a single smart card, VitraCash enhances convenience, allowing users to select the most suitable card for each transaction. This approach not only streamlines the payment process but also enables users to save money on transactions and earn rewards, making financial management more efficient and user-friendly.

Qi develops a blockchain-based payment platform that integrates with various financial service providers. It enables businesses and partners to accept and process digital currency payments.

VitraCash is a financial technology company that offers an innovative online application aimed at facilitating cashless payments, particularly for travelers. The application integrates artificial intelligence and machine learning to track spending habits, automatically categorize expenses, and provide comprehensive analyses of users' financial activities. By consolidating multiple payment cards into a single smart card, VitraCash enhances convenience, allowing users to select the most suitable card for each transaction. This approach not only streamlines the payment process but also enables users to save money on transactions and earn rewards, making financial management more efficient and user-friendly.

Klarna is a technology-driven payments company that provides a platform for connecting consumers and merchants with flexible payment options for online and offline shopping. It offers direct payments, pay-after-delivery options, and installment plans, supported by a mobile app that enhances the shopping experience with flexible payment options and cashback rewards. The company operates across multiple countries and serves merchants with payment solutions and tailored advertising services, including messaging and insights features. Klarna is known for its buy now, pay later model, enabling interest-free financing for purchases divided into installments.

Qi develops a blockchain-based payment platform that integrates with various financial service providers. It enables businesses and partners to accept and process digital currency payments.

Axate is a company that specializes in providing digital payment tools aimed at enhancing revenue generation for publishers, particularly in the journalism sector. Its platform enables websites to implement micropayment systems, allowing users to make casual payments, subscribe to newsletters, or contribute voluntarily. Axate's solution includes a customizable analytics dashboard, which offers a variety of monetization options for different audience segments, from casual visitors to engaged readers. This approach not only facilitates quick and simple transactions through a digital wallet but also addresses the pressing need for innovative revenue streams in the digital news industry, enabling publishers to effectively monetize their content and reward loyal audiences for their engagement.

TiPJAR® is a UK-based cashless and contactless tipping platform that facilitates tipping for service workers by allowing guests to provide gratuities easily and transparently. The platform features a distribution engine that empowers staff to manage and share their tips, alleviating administrative burdens and risks for business owners. This approach ensures that workers receive their tips efficiently, enhancing their overall experience and financial reward in the service industry.

Magnetto develops checkout automation platforms for retailers. Their systems enable cashless payments via smartphone scanning, offering real-time data analytics to enhance sales and profitability.

Curve is a London-based fintech company established in 2015. It offers a digital wallet that consolidates multiple cards and bank accounts into one smart card and app. Curve's proprietary technology eliminates hidden foreign transaction fees, allows users to switch payments after making them, and maximizes rewards on existing cards. Authorized by financial regulators across the UK, EEA, and US, Curve has over 6 million customers globally.

VitraCash is a financial technology company that offers an innovative online application aimed at facilitating cashless payments, particularly for travelers. The application integrates artificial intelligence and machine learning to track spending habits, automatically categorize expenses, and provide comprehensive analyses of users' financial activities. By consolidating multiple payment cards into a single smart card, VitraCash enhances convenience, allowing users to select the most suitable card for each transaction. This approach not only streamlines the payment process but also enables users to save money on transactions and earn rewards, making financial management more efficient and user-friendly.

URocked operates a cashless tipping platform that enables remote, instant tips to workers, with no fees to receive. It aims to improve transparency, compliance, and convenience in tip distribution by providing legally compliant tip handling, potential employer tax savings, integrated payment devices, and instant allocation of funds, enabling hospitality staff and self-employed professionals to access secure and efficient earnings from cashless gratuities.

Sendit.Money is a mobile wallet platform that provides an intuitive, secure, and inexpensive way to send and receive money. The company was founded in 2019 and is based in London.

FinGo develops identity authentication and payment technology that enables fast, secure fingerprint-based transactions at retail points of sale and service. The platform allows consumers to identify themselves and pay using their fingers, delivering quick, secure transactions and an intuitive customer experience. Transactions can be completed in seconds and are associated with the user's FinGo account; digital receipts are delivered to the account and by email. Security relies on biometric verification via mobile devices or wearables, reducing reliance on cash or cards and enabling frictionless checkout across events, retail, and hospitality environments.

FinGo develops identity authentication and payment technology that enables fast, secure fingerprint-based transactions at retail points of sale and service. The platform allows consumers to identify themselves and pay using their fingers, delivering quick, secure transactions and an intuitive customer experience. Transactions can be completed in seconds and are associated with the user's FinGo account; digital receipts are delivered to the account and by email. Security relies on biometric verification via mobile devices or wearables, reducing reliance on cash or cards and enabling frictionless checkout across events, retail, and hospitality environments.

Pockit Limited is a fintech company based in London, United Kingdom, that offers financial services primarily to individuals who are often excluded or underserved by traditional banks. Established in 2010, Pockit provides a prepaid MasterCard along with an online account that enables customers to receive their wages and benefits directly. Users can fund their accounts through various methods, including debit cards and bank transfers, at multiple locations across the UK. The company also offers a mobile application for both iPhone and Android devices, allowing customers to manage their finances conveniently. Pockit's services extend to in-store, online, and international usability, as well as cashback savings solutions, making it a comprehensive option for those seeking accessible banking alternatives.

Crosspay is a UK-based fintech company specializing in money transfer services, enabling individuals and businesses to make international payments in over 50 currencies. The platform caters to both personal and corporate needs, allowing users to send money overseas conveniently via smartphones, tablets, or computers. Additionally, Crosspay offers a dedicated support team for users who prefer assistance over the phone. With a focus on competitive rates and personalized service, Crosspay positions itself as a leading digital payment solution for remittances and international transactions.

Qi develops a blockchain-based payment platform that integrates with various financial service providers. It enables businesses and partners to accept and process digital currency payments.

Wirex is a London-based worldwide digital payment platform and regulated institution that enables the use of crypto and traditional currencies. It issues a Visa/Mastercard debit card and a multi-currency card that automatically spends in the local currency without exchange fees, enabling users to load, spend, save, and transfer money, as well as switch between cryptocurrencies and fiat currencies. The platform provides a mobile app to store, buy, convert, and manage funds and cards, and supports international remittances and money transfers. It offers a crypto rewards program and supports spending across a broad range of currencies in millions of locations worldwide, with ongoing development to expand access to digital assets and cashless payments.

Mitto is a financial technology company that offers a modern payment system tailored for young people aged 14 to 30. The company provides a digital wallet and a physical card that facilitate online and offline spending, allowing teenagers to gain financial independence while maintaining parental oversight. Through its application, parents can easily send instant money to their children, enabling them to manage their spending and learn about financial responsibility. Mitto aims to foster a positive relationship with money among its users, encouraging them to become their best selves while participating in an exclusive founders club that contributes to the company's evolution.

TiPJAR® is a UK-based cashless and contactless tipping platform that facilitates tipping for service workers by allowing guests to provide gratuities easily and transparently. The platform features a distribution engine that empowers staff to manage and share their tips, alleviating administrative burdens and risks for business owners. This approach ensures that workers receive their tips efficiently, enhancing their overall experience and financial reward in the service industry.

Mitto is a financial technology company that offers a modern payment system tailored for young people aged 14 to 30. The company provides a digital wallet and a physical card that facilitate online and offline spending, allowing teenagers to gain financial independence while maintaining parental oversight. Through its application, parents can easily send instant money to their children, enabling them to manage their spending and learn about financial responsibility. Mitto aims to foster a positive relationship with money among its users, encouraging them to become their best selves while participating in an exclusive founders club that contributes to the company's evolution.

Muniy is a digital banking platform focused on enhancing the monetary transaction experience for consumers and merchants alike. The company connects customers anonymously with merchants, offering features designed to streamline the payment process. These include quick-response (QR) payments, instant money transfers, real-time transaction notifications, and a contactless card. By prioritizing low transaction processing costs for merchants, Muniy aims to foster closer connections between consumers and businesses. Recently, the company launched its app and contactless card, reinforcing its mission to provide a better and more accessible banking experience for everyone.

Zapaygo is a technology company that offers a smartphone application designed to enhance the customer experience by providing a menu of goods and services along with a pre-order and payment facility. Founded in 2015, the app addresses the common issue of long wait times by allowing users to order ahead at various venues, including bars, restaurants, coffee shops, and stadiums. This innovative solution not only streamlines the ordering and payment process but also aims to improve service efficiency for both customers and businesses. By reducing time spent in queues, Zapaygo enhances the overall experience for users and helps venues serve their patrons more effectively.

KogoPAY is a mobile payment application headquartered in London, with an additional office in Bangkok, Thailand. The company focuses on providing fast and affordable wallet-to-wallet payments, prepaid Mastercard services, QR code payments, and low-cost currency transfers. Targeting a diverse audience that includes socially conscious individuals, hospitality workers, travelers, street vendors, small businesses, students, and charity workers, KogoPAY aims to simplify the payment process for both local and international transactions. By promoting instant funds transfer and enhancing interoperability between traditional financial services and digital currencies, KogoPAY offers a secure and efficient environment for managing money. As a relatively new entrant in the payment industry, KogoPAY is experiencing rapid growth and increasing adoption among consumers and businesses alike.

Curve is a London-based fintech company established in 2015. It offers a digital wallet that consolidates multiple cards and bank accounts into one smart card and app. Curve's proprietary technology eliminates hidden foreign transaction fees, allows users to switch payments after making them, and maximizes rewards on existing cards. Authorized by financial regulators across the UK, EEA, and US, Curve has over 6 million customers globally.

Fourex is a self-service currency exchange specialist that aims to transform the way consumers exchange money. The company offers kiosks capable of accepting unsorted coins and notes from over 150 currencies, both in and out of circulation, and can quickly dispense funds in Great British Pounds, Euros, or American Dollars. This innovative approach allows users to exchange leftover travel money efficiently and conveniently. Fourex has already secured contracts with Transport For London and Westfield shopping centres, marking the beginning of its rollout across London and the UK.

Arival Bank, a subsidiary of Arival Pte. Ltd., is a digital banking institution headquartered in Singapore, with operational headquarters in Florida and additional offices in Puerto Rico and Europe. It is licensed and regulated by the Office of the Commissioner of Financial Institutions in Puerto Rico as an International Financial Entity. Arival Bank aims to empower businesses of all sizes to thrive in a borderless economy by providing accessible USD and multi-currency bank accounts. The bank offers a range of integrated domestic and international payment solutions, along with a suite of tailored financial tools, which enable businesses to manage their finances effectively and transact globally. Through its services, Arival Bank facilitates efficient financial operations, allowing businesses to scale without geographical constraints.

CoinMode is a payment platform focused on the computer games industry, specifically designed to support the growth of professional and competitive e-sports. Utilizing Bitcoin as its currency, CoinMode facilitates multidirectional instant transactions for both real and online payments. This innovative system enables game developers to create online games and offer rewards, enhancing the overall gaming experience. By integrating cryptocurrency into its payment solutions, CoinMode aims to streamline financial transactions within the gaming sector, promoting a seamless interaction between developers and players.

FinGo develops identity authentication and payment technology that enables fast, secure fingerprint-based transactions at retail points of sale and service. The platform allows consumers to identify themselves and pay using their fingers, delivering quick, secure transactions and an intuitive customer experience. Transactions can be completed in seconds and are associated with the user's FinGo account; digital receipts are delivered to the account and by email. Security relies on biometric verification via mobile devices or wearables, reducing reliance on cash or cards and enabling frictionless checkout across events, retail, and hospitality environments.

Monzo Bank is a London-based commercial bank, established in 2015. It provides personal banking services including current, joint and savings accounts, plus business banking with invoicing, overdrafts and loans, and offers internet and mobile app-based banking in the United Kingdom and the United States. The bank emphasizes a mobile-first approach with real-time spending updates, transaction categorization, budgeting tools, and instant notifications. Its app features Pots sub-accounts to set aside funds for specific goals and includes a premium tier, Monzo Plus, with additional features such as enhanced card designs and travel insurance. Monzo aims to replace traditional branches with a fully digital experience, serving customers who prefer managing finances via smartphone.

Bits is a fintech company that helps individuals build their credit scores by offering a digital credit card. Users pay off the balance monthly, with transactions reported to major credit bureaus.

FinGo develops identity authentication and payment technology that enables fast, secure fingerprint-based transactions at retail points of sale and service. The platform allows consumers to identify themselves and pay using their fingers, delivering quick, secure transactions and an intuitive customer experience. Transactions can be completed in seconds and are associated with the user's FinGo account; digital receipts are delivered to the account and by email. Security relies on biometric verification via mobile devices or wearables, reducing reliance on cash or cards and enabling frictionless checkout across events, retail, and hospitality environments.

BABB App Ltd is a UK-based company that operates a decentralized banking platform aimed at serving the global microeconomy. It functions as a marketplace for human innovation and financial autonomy, focusing on peer-to-peer banking services. BABB utilizes blockchain technology to facilitate access to international remittances and payment gateways, ensuring that users can benefit from accessible, secure, and cost-effective mobile banking services. The platform empowers individuals to manage their finances with greater control and transparency, leveraging their social connections to enhance their financial capabilities. As an authorized payment institution regulated by the Financial Conduct Authority, BABB is positioned to transform how people engage with their money and create wealth.

Manigo is a Banking as a Service company that provides white-label digital banking, payments, and card solutions across the full value chain. It operates a digital money and social payments platform in Europe that integrates payments from mobile banking, crypto wallets, and bank cards. Founded in 2015 and based in London, Manigo aims to deliver a single platform for international money management, enabling consumers and businesses to exchange, spend, send, and manage funds with a multicurrency card. The platform also includes social payment features such as bill splitting and requesting or collecting money, offering a seamless personal finance experience through an end-to-end digital solution.

Monzo Bank is a London-based commercial bank, established in 2015. It provides personal banking services including current, joint and savings accounts, plus business banking with invoicing, overdrafts and loans, and offers internet and mobile app-based banking in the United Kingdom and the United States. The bank emphasizes a mobile-first approach with real-time spending updates, transaction categorization, budgeting tools, and instant notifications. Its app features Pots sub-accounts to set aside funds for specific goals and includes a premium tier, Monzo Plus, with additional features such as enhanced card designs and travel insurance. Monzo aims to replace traditional branches with a fully digital experience, serving customers who prefer managing finances via smartphone.

Zapaygo is a technology company that offers a smartphone application designed to enhance the customer experience by providing a menu of goods and services along with a pre-order and payment facility. Founded in 2015, the app addresses the common issue of long wait times by allowing users to order ahead at various venues, including bars, restaurants, coffee shops, and stadiums. This innovative solution not only streamlines the ordering and payment process but also aims to improve service efficiency for both customers and businesses. By reducing time spent in queues, Zapaygo enhances the overall experience for users and helps venues serve their patrons more effectively.

PepperHQ Ltd. is a London-based company that specializes in developing a mobile payments and loyalty application tailored for the retail and hospitality sectors. Founded in 2013, PepperHQ focuses on enhancing operational efficiency for brands while driving customer engagement. The application allows consumers to discover brands, check in for payments, earn and redeem loyalty points, and receive alerts from stores. For businesses, PepperHQ provides valuable consumer analytics, promotional tools, and the ability to manage custom loyalty programs through user-friendly guides. Additionally, it offers integration capabilities with existing point-of-sale systems and back-office solutions via a cloud-based API, streamlining operations and enhancing the customer experience.

Monzo Bank is a London-based commercial bank, established in 2015. It provides personal banking services including current, joint and savings accounts, plus business banking with invoicing, overdrafts and loans, and offers internet and mobile app-based banking in the United Kingdom and the United States. The bank emphasizes a mobile-first approach with real-time spending updates, transaction categorization, budgeting tools, and instant notifications. Its app features Pots sub-accounts to set aside funds for specific goals and includes a premium tier, Monzo Plus, with additional features such as enhanced card designs and travel insurance. Monzo aims to replace traditional branches with a fully digital experience, serving customers who prefer managing finances via smartphone.

Monzo Bank is a London-based commercial bank, established in 2015. It provides personal banking services including current, joint and savings accounts, plus business banking with invoicing, overdrafts and loans, and offers internet and mobile app-based banking in the United Kingdom and the United States. The bank emphasizes a mobile-first approach with real-time spending updates, transaction categorization, budgeting tools, and instant notifications. Its app features Pots sub-accounts to set aside funds for specific goals and includes a premium tier, Monzo Plus, with additional features such as enhanced card designs and travel insurance. Monzo aims to replace traditional branches with a fully digital experience, serving customers who prefer managing finances via smartphone.

MonetaFlex operates as an online crowdfunding platform that facilitates peer-to-peer fundraising, enabling businesses to raise capital for growth and development. The company allows investors to create personal profiles, initiate campaigns, and attract funding from interested parties. Additionally, MonetaFlex generates revenue through various channels, including advertising on its site, cryptocurrency trading, stock market trading, forex trading, and Google Ads. This revenue is distributed to its members, who can withdraw funds to their bank accounts on a weekly and monthly basis. By offering a comprehensive suite of financial services, MonetaFlex positions itself as a versatile platform for both investors and businesses seeking funding solutions.

Psonar is a cloud-based digital jukebox that offers a unique Pay Per Play music streaming service tailored for users aged 12 to 25. With a growing catalogue of over 600,000 tracks and licensing agreements with major music labels, Psonar aims to be the go-to music service for younger audiences. The platform is optimized for mobile devices, providing adaptive HTML5 access and dedicated apps for iOS and Android, allowing users to enjoy an ad-free listening experience. Psonar's Pay Per Play model enables users to pay a small fee for each track they listen to, with the option to gift plays to others. This service also integrates with various digital platforms through an API, expanding its reach. Payments are facilitated via the Bango platform, further enhancing user convenience. Psonar's innovative approach addresses the needs of music fans who seek easy access to popular tracks and the ability to create and share playlists, distinguishing it from other streaming services in the market.

Cake Technologies is a developer of a mobile payment application focused on enhancing the customer experience in restaurants and bars across London. The platform simplifies the process of discovering, booking, and paying for services while allowing users to earn loyalty rewards. By eliminating the need for cash and card payments, Cake Technologies streamlines transactions and provides valuable data analytics to venues. This actionable data helps restaurants and bars drive revenue and improve customer loyalty and retention.

Droplet is a mobile application that enables users to collect rewards on their phones and make hands-free payments at participating businesses. The platform is designed to be transaction fee-free for merchants, making it an attractive option for local businesses. Since its launch, Droplet has attracted 600 businesses and 19,000 users across three UK cities, with plans to expand to 15 cities within the year.

Fourex is a self-service currency exchange specialist that aims to transform the way consumers exchange money. The company offers kiosks capable of accepting unsorted coins and notes from over 150 currencies, both in and out of circulation, and can quickly dispense funds in Great British Pounds, Euros, or American Dollars. This innovative approach allows users to exchange leftover travel money efficiently and conveniently. Fourex has already secured contracts with Transport For London and Westfield shopping centres, marking the beginning of its rollout across London and the UK.

Cashually UK is a startup based in London and Barcelona that offers a mobile application designed for peer-to-peer payments, primarily facilitating transactions among friends. The app emphasizes a user-friendly experience, allowing users to make fast, simple, and secure payments without the need for bank accounts or complicated processes. Launched in Spain in July 2014, Cashually aims to expand its services throughout the rest of the European Union. The company operates as an authorized e-money agent regulated by the Financial Conduct Authority (FCA), ensuring compliance and security for its users. The application is available for download on both the Spanish AppStore and Google Play.

Fidel API is a financial infrastructure platform that allows developers to create programmable experiences during transaction events on payment cards. Established in 2018 and headquartered in London, with additional offices in Lisbon and New York, Fidel API provides tools that enhance interactions between merchants and consumers by facilitating real-time, event-driven engagements. The platform is designed to integrate seamlessly with major payment networks, such as Visa and Mastercard, to deliver detailed transaction data, including amount, location, date, and merchant. This capability supports improved marketing strategies and customer engagement through tailored loyalty and rewards programs, as well as streamlined processes for reimbursements and expense management. The company serves a diverse clientele, ranging from startups to large enterprises, and has established partnerships with prominent firms across various sectors.

Uphold operates a cloud-based platform for moving, converting, transacting, and holding various currencies, commodities, equities, and other assets. Its platform enables users to add funds via bank transfers or cards, send/receive payments, convert currencies, and hold funds securely. Serving individuals, businesses, developers, and charities worldwide, Uphold facilitates transactions in over 150 countries with low fees.

Fidel API is a financial infrastructure platform that allows developers to create programmable experiences during transaction events on payment cards. Established in 2018 and headquartered in London, with additional offices in Lisbon and New York, Fidel API provides tools that enhance interactions between merchants and consumers by facilitating real-time, event-driven engagements. The platform is designed to integrate seamlessly with major payment networks, such as Visa and Mastercard, to deliver detailed transaction data, including amount, location, date, and merchant. This capability supports improved marketing strategies and customer engagement through tailored loyalty and rewards programs, as well as streamlined processes for reimbursements and expense management. The company serves a diverse clientele, ranging from startups to large enterprises, and has established partnerships with prominent firms across various sectors.