Tenity

Yativo is a technology company that specializes in providing payment infrastructure solutions for businesses in Latin America. It offers a platform that enables marketplaces, payroll platforms, payment institutions, and fintech companies to streamline their financial operations. The platform includes features such as identity verification, virtual bank account issuance, and deposit and payout processing, allowing businesses to build and expand their financial products and services.

Shieldbase is a technology company that specializes in developing an AI operating system for enterprises. This system automates knowledge retrieval and generation across various systems and databases, enabling teams to securely deploy AI while maintaining data privacy. It caters to a wide range of industries, with early adopters including governmental organizations, financial institutions, real estate companies, and healthcare providers. The platform offers solutions such as AI secure enterprise search, AI-powered data management, and AI governance and compliance tools, facilitating secure AI adoption without compromising data privacy.

Settlr is a financial technology company that specializes in optimizing post-trade operations for various entities. It combines deep domain expertise with advanced technology, including artificial intelligence, to minimize the workload associated with non-value-added back-office functions. The company's platform streamlines communication processes, leverages market conventions, and uses static data to enhance operational efficiency.

Trivium specializes in constructing critical financial infrastructure, empowering companies to effortlessly launch diverse investment products. Its comprehensive platform aims to enhance the overall investment experience for users by providing a wide array of products.

Green fintech startup that provides a disruptive digital receipt service collecting Offline Market Big Data through an in-house AI model

Doconomy AB is a fintech company based in Stockholm, Sweden, founded in 2018, that specializes in digital banking services. It has developed the DO application, which allows users to track and measure their carbon dioxide emissions and ecological footprint resulting from online purchases. One of its notable offerings is DO Black, a credit card that incorporates a carbon limit, encouraging users to engage in sustainable consumption. Doconomy's mission is to inspire behavioral change and reduce carbon emissions by connecting consumers, producers, retailers, and influencers within a circular ecosystem. The company provides tools that enable users to visualize the environmental impact of their financial transactions and offers insights and incentives for reducing consumption, thereby promoting a sustainable lifestyle for all.

Mochi is a company that provides a receivables management platform aimed at assisting small and medium-sized enterprises (SMEs) in the Philippines with their billing and collections processes. The platform streamlines and automates invoicing, allowing businesses to manage their accounts receivable more efficiently. By offering various payment options, Mochi helps ensure that businesses receive payments on time, thereby enabling them to concentrate on growth and development. The service is designed to simplify repetitive tasks associated with billing, making it easier for companies to maintain cash flow and improve overall financial management.

Betalo AB, founded in 2011 and based in Stockholm, Sweden, develops a mobile payment application that aims to simplify everyday financial transactions for users. The company focuses on providing a user-friendly banking service that leverages modern technology to offer cheaper, simpler, and more transparent payment solutions. Betalo's team, equipped with deep technical and financial expertise, is dedicated to creating a secure and accessible banking experience. By prioritizing great technology and design, Betalo strives to ensure that its services are not only smart and easy to use but also available to a broader audience at fair costs. The company believes that by breaking down financial barriers, it can facilitate greater connections among people.

Prometheus Data is an innovative fintech startup focused on enhancing risk management and decision-making for financial institutions. The company specializes in cross-border risk assessment solutions, including credit risk evaluations and background checks. By leveraging advanced technology, Prometheus Data provides real-time analysis of extensive data sets, enabling clients to make informed decisions. Their tailored recommendations aim to optimize operational processes and drive revenue growth for institutions.

FundKernel, established in 2021, is a digital platform that leverages artificial intelligence to connect asset managers with wealth management firms. Its proprietary AI Curation Engine evaluates over 180 data points of each fund, facilitating matches with suitable investment mandates. Since its launch in 2022, FundKernel has attracted US$70M in subscriptions, published over 130 funds, and onboarded 50 wealth management firms. In 2024, it was backed by Tenity Incubation Fund, a Fintech acceleration fund supported by global financial institutions. The platform has been recognized for its excellence, winning the "Outstanding Intelligence Platform for Alternative Investments" award by ET Net Hong Kong.

Zurichberg is a platform that enables investors to access and trade in the luxury watch market, previously reserved for the wealthy. It fractionalizes high-end watches into shares, allowing investors to buy and sell these timepieces starting at $500. Users can potentially profit from sales and, over time, gain full ownership of the watches. The platform aims to democratize the luxury watch market, making it more accessible to a broader range of enthusiasts and investors.

Lendit specializes in providing an Integrated Lending Circuit solution that connects lenders and applicants through a user-friendly, plug-and-play system designed for partner platforms. This innovative technology facilitates inclusive lending and investment services, eliminating the need for a license, which streamlines the process for users. Lendit customizes access through the partner platform's portal, ensuring that the lending experience is both efficient and immediate for end users.

Newbridge enables financial institutions to realize the potential of cryptocurrency asset management. Their AI-powered SaaS platform provides asset managers with the tools and insights they need to manage the entire lifecycle of cryptocurrency assets.

Finterai focuses on leveraging technology to tackle the challenges of global data sharing and privacy. The company provides services aimed at enhancing anti-money laundering systems, particularly for data scientists. Its offerings include solutions for reducing false positives, ensuring quality data access, and implementing federated learning. By improving compliance processes, Finterai enables businesses to navigate the complexities of data privacy and collaboration effectively.

Ziv4 Technology is a financial technology company specializing in artificial intelligence algorithms for cryptocurrency trading. It offers a platform that automates trades, including trade bots, indicators, a digital wallet, and a platform for users to create and execute automated trading strategies in cryptocurrency markets.

Lendit specializes in providing an Integrated Lending Circuit solution that connects lenders and applicants through a user-friendly, plug-and-play system designed for partner platforms. This innovative technology facilitates inclusive lending and investment services, eliminating the need for a license, which streamlines the process for users. Lendit customizes access through the partner platform's portal, ensuring that the lending experience is both efficient and immediate for end users.

Root is a platform for a new generation and community of activist retail investors to unite their voices in order to engage with the firms in their portfolio and create genuine change.

DaySave is a savings platform based in Helsinki, Finland, that utilizes open banking to analyze users' historical financial data. By tailoring small, automated savings deposits, DaySave helps users, particularly Millennials and Gen Z, achieve their long-term wealth goals. The platform operates through an app designed to meet the mobile-native demands of its target audience. It features an algorithm that learns from users' spending patterns and expenses to predict future financial behavior, thus maximizing savings potential. Users receive personalized deposit requests weekly, encouraging them to save and invest. DaySave partners with a European bank to offer automatic investment portfolios, including award-winning indexes, enhancing the savings experience for its users.

GeekPay is an all-in-one toolkit for automating, tracking, and securing digital currency payments.

Defiria is a technology company that specializes in quantitative risk management for the cryptocurrency and decentralized finance (DeFi) sectors. It provides comprehensive data modeling and advanced analytics to deliver deep insights, enabling investors and institutions to effectively manage their financial risk exposure in the dynamic and volatile crypto asset landscape.

Pints.ai specializes in providing a secure, on-premises AI solution for financial institutions. Their core product, Neuron AI, is a pre-trained large model tailored to the financial industry, ensuring data confidentiality and security. It seamlessly integrates with clients' sensitive data, empowering financial entities, from retail banks to fintech startups, to enhance sales and operations for a competitive edge.

Elysium Lab is a pioneering startup specializing in on-chain multi-factor authentication technology. It aims to enhance security and user experience in decentralized applications and self-custody solutions. The company's flagship product is a keyless, modular, and agnostic authentication system, initially integrated into a self-custody wallet for Bitcoin and stablecoins. This system enables users to manage and trade assets securely, without the risk of key theft or loss, while maintaining full ownership and a seamless user experience.

GoNsave is a developer of a gig economy platform aimed at enhancing worker engagement among independent workers in the LATAM and ASEAN regions, where approximately 130 million individuals are underbanked and lack adequate protections. The company offers a super app that enables users to store their financial and work records securely. By leveraging anonymized data, GoNsave connects these workers with various vendors, allowing them to access services that suit their needs while reducing distribution costs. The platform also provides insights into the movement of people and goods in on-demand delivery and ride-hailing services, assisting clients in streamlining operations and improving fleet retention. Through its innovative approach, GoNsave seeks to empower independent workers and enhance their overall experience in the gig economy.

Fume is a platform designed for managing on-chain finances, focusing on automating administrative tasks through the use of smart contracts. The platform allows for selective transparency, enhancing privacy while facilitating transactions. By reducing the need for intermediaries, Fume enables investors to directly engage with their investments from their wallets, streamlining the audit and investment processes. This approach not only lowers overall transaction costs but also shortens settlement times, making it easier for users to manage their digital and non-digital assets efficiently.

Luumeos is a developer of a market forecasting and risk management platform that leverages insights from an organization's talent network to enhance market performance predictions. The platform integrates both analytics and human insights, enabling users to better anticipate changes in key market drivers and risk factors. By employing a combination of quantitative models, Luumeos allows investors to forecast future market movements with increased accuracy and confidence, thus providing a competitive edge in the investment landscape. The emphasis on rapid, human-in-the-loop quantamental AI insights distinguishes Luumeos as a valuable resource for investors seeking to navigate complex market dynamics.

DemaTrading.ai helps financial institutions such as ETF issuers to optimize their workflow. We handle rebalancing, operational flows, reporting, and analytics. The result is improved fund performance, less manual labor, a lower tracking error and tracking difference, against lower cost and higher efficiency.

Heymax.ai gives you a free trip every year by rewarding you with Max Miles. Heymax.ai doubles your favorite miles! heymax helps you find the best credit card to use anywhere you shop, and double dip to earn your preferred loyalty points and miles at 20+ airlines and hotels by shopping with our partners like Shopee, Lazada, Amazon, Apple, Trip.com, Singapore Airlines and so many more. For businesses, heymax.ai is a simple and efficient way to convert high-spending customers who like rewards on their terms.

Happi is a financial technology company that provides Underbanked Youths with Instant Banking Accounts, Savings Options, and Micro-Loan Facilities. It has pioneered a new banking model that allows customers to obtain the quickest loan at 0% interest with minimal hassle. Happi super account also allows you to make any payment in two months with EMI.

cWallet Services W.L.L. is a financial technology company based in Doha, Qatar, founded in 2018. The company operates a platform that offers a range of financial services aimed primarily at low-income and unbanked individuals, including migrant workers and domestic helpers. Through its cWallet application, users can receive their salaries, send money to family and friends, pay bills, and make purchases at local stores. The platform also facilitates the purchase of metro and bus tickets, and offers services for online recharge and booking of travel accommodations. By providing these services, cWallet empowers individuals by improving their access to essential financial tools that were previously unavailable to them.

Eco2wallet is a sustainable fintech company that specializes in environmentally friendly financial solutions for consumers and businesses. It offers card-linked digital wallets and green debit cards, allowing users to make purchases while supporting environmental initiatives. A portion of each transaction is allocated to fund projects such as tree planting and seagrass restoration, thereby enabling users to actively contribute to environmental conservation efforts. By integrating sustainability into everyday financial transactions, Eco2wallet promotes both eco-conscious spending and responsible financial practices.

Divercefi operates an online platform designed to enhance financial access to digital assets across various applications and ecosystems. It provides a portfolio-based decentralized finance (DeFi) interface that allows investors to discover, build, track, buy, and manage diversified portfolios of different asset classes. The platform aims to simplify investment management by enabling users, regardless of their technological or financial expertise, to oversee their personalized portfolios from a single dashboard. Additionally, Divercefi facilitates connections among investors and portfolio managers, fostering collaboration within the investment community.

FinFinder is an AI-based platform that offers financial advisory services, helping clients connect with qualified financial advisors. Founded in 2021 and headquartered in Schönenberg, Switzerland, the company aims to simplify the process of finding and selecting professional financial guidance. By leveraging technology, FinFinder enables users to easily navigate their initial steps toward obtaining financial advice, making the experience straightforward and accessible.

Crowdgenix is focused on creating a Web3-enabled and zero knowledge-powered institutional decentralized finance (DeFi) system that aims to bridge the divide between digital and traditional finance. The company provides a comprehensive multi-chain tokenization infrastructure that includes a Tokenization Engine for asset origination, a Launchpad for distribution, and a decentralized exchange (DEX) for trading tokenized real-world assets. By facilitating the efficient investment, trading, and management of digital assets, Crowdgenix seeks to unlock significant capital within the financial ecosystem.

Datia is a data platform focused on sustainable finance, collaborating with innovative financial institutions to streamline their Environmental, Social, and Governance (ESG) workflows. The platform facilitates ESG data collection and analysis, portfolio screening, and modeling of ESG preferences. It also automates reporting in accordance with sustainable finance regulations, such as the SFDR and EU Taxonomy. Additionally, Datia's application highlights the impact of investments on climate and societal factors, such as carbon emissions and gender equality. By providing insights into the sustainability of various investment options, Datia empowers users to make informed decisions that align with their values while seeking financial returns.

Posh is a conversational AI and NLP technology development company that enables developers to deliver a new way to interact with users. With Posh, website actions that takes minutes to complete can be sped up to just seconds with a simple message from bots. Companies in finanical services, healthcare, utilities, and beyond are using the Posh platform to re-create call centers and automate routine requests for both customers and staff while saving time and money. The company wants to make the internet experience easier and more enjoyable. Posh was launched on 2015 and is based in Boston, Massachusetts.

Kaspar& operates a financial platform designed to make professional financial services accessible and user-friendly. The company offers a credit card that facilitates both online and offline purchases while automatically investing the spare change from these transactions. This innovative approach enables customers to engage with financial services, pursue investment opportunities, and set achievable financial goals. By focusing on accessibility and forward-thinking solutions, Kaspar& aims to disrupt the traditional financial industry.

DreamQuark specializes in developing advanced data analysis technologies utilizing deep representation learning to enhance decision-making in the insurance, financial services, and healthcare sectors. The company focuses on creating algorithms that efficiently identify rare and hidden patterns across diverse data types, including images, texts, and audio files. By providing a user-friendly platform, DreamQuark ensures that results are accessible to a wide range of business users, facilitating the analysis of large datasets. Additionally, the platform supports wealth management by delivering explainable predictions and personalized recommendations, streamlining data science tasks to help clients generate new sales opportunities and improve customer engagement.

Sentimer Technologies is an artificial intelligence chatbot platform designed to enhance customer acquisition, cross-selling, and service for various sectors, including insurance, banking, financial services, energy, and automotive industries. The platform facilitates interactions across multiple channels such as websites, social networks, messaging apps, and mobile applications, allowing users to engage in natural language conversations. By leveraging advanced AI and behavioral analytics, Sentimer provides personalized experiences that improve customer engagement and service quality. This technology merges the interactive nature of messaging with the trustworthiness of personal conversations, enabling businesses to effectively address challenges throughout the customer journey and ultimately drive better marketing and sales outcomes.

Splint Invest is a financial services company that operates a marketplace for retail investors seeking access to alternative investments. The company provides a platform where pre-selected issuers can offer their investment products, allowing private investors to engage in fractional investments. Utilizing advanced technologies, such as distributed ledger technology and artificial intelligence, Splint Invest streamlines the investment process by handling legal requirements, tokenization, custody, data management, and cash management. This innovative approach enables investors to diversify their portfolios and access a range of previously unserved investment opportunities.

Rivvi is a fintech company that offers an autonomous payroll platform designed to automate payroll processes for businesses. This platform calculates payroll immediately after each shift, allowing employees to access their earnings instantly. By eliminating manual tasks and expediting salary processing, Rivvi enhances operational efficiency, ultimately benefiting both the financial health of employees and the overall bottom line of businesses.

Topaz Digital specializes in wealth management software that addresses digital engagement challenges faced by private client service providers. Leveraging its extensive experience and expertise in WealthTech, the company offers a comprehensive solution for family offices, private banks, and external asset managers. Its software integrates with existing data sources and systems, enhancing or replacing legacy platforms to improve client service levels and deepen client relationships. By providing a premium digital experience, Topaz Digital aims to boost client engagement while also enhancing operational efficiency and compliance for financial institutions.

STOverse helps startups to raise funds through Security Token Offering. It tokenize securities that are intrinsically connected with the value of their business and offers them to worldwide investors. STOverse gets investors exposed to passive income opportunities, such as liquidity mining, staking, and lending/borrowing.

Cow Level AG operates a fintech exchange platform designed for trading virtual assets within the gaming community. This platform, known as FiPME, provides gamers with a secure and transparent environment to exchange virtual goods, empowering them to monetize their gaming experiences. By fostering creativity and innovative problem-solving, Cow Level encourages gamers to approach challenges with an inventive mindset, reminiscent of the resourcefulness of the character MacGyver. The platform not only facilitates trading but also serves as a hub for gamers to craft unique solutions and enhance their gaming journeys. Through FiPME, players can transform their passion into profit, participating in a community that values creativity and ingenuity in the evolving landscape of gaming.

CryptoIndexSeries specializes in providing institutional-grade data, tools, and analytics for the cryptocurrency markets. Its platform offers a comprehensive suite of features, including proprietary cryptoasset taxonomy, performance benchmarking against various indices, and news-based performance projection tools. Additionally, it facilitates advanced portfolio analysis and management, along with multi-exchange trading capabilities. By delivering real-time data feeds, historical datasets, and sentiment analysis, CryptoIndexSeries aims to empower asset managers, wealth managers, and cryptocurrency service providers to enhance their trading decisions and focus on strategic initiatives rather than technological challenges in market data and trading.

CakepLabs is a South Korean company specializing in financial technology and artificial intelligence development. It focuses on providing solutions to financial technology challenges, particularly in underserved business areas. The company's offerings include products such as Chaca Market and Datacake, designed to enhance user experience in payments by ensuring ease, speed, safety, and quality. CakepLabs aims to leverage its expertise in AI and fintech to address the needs of local communities, thereby improving access to financial services.

PLG is a portable benefits platform for the gig economy, that enables independent contractors to pick and choose company-sponsored workplace benefits through a simple plug and play platform through work apps.

Denq is a digital financial technology company focused on creating a transparent and user-centric banking experience in Latin America. It develops a blockchain-based digital bank that provides innovative financial solutions, including robo-advisory investments and a proprietary credit scoring system. By bridging the gap between Latin America and the European Union, Denq aims to foster a healthy financial community. Its platform allows users to open digital accounts that prioritize consumer needs, offering personalized services and educational resources in areas such as investments, loans, insurance, and currency exchange. Through its commitment to all-digital and all-human principles, Denq seeks to enhance the financial well-being of individuals by delivering meaningful advantages in their financial lives.

Tranzfer.me is a pioneering money transfer platform based in Peru that facilitates international money transfers without the need for physical cash to cross borders. By utilizing local bank transfers, funds can be sent to recipients' bank accounts within minutes, offering a quick and efficient alternative to traditional agencies. The platform is designed to provide users with an economical and straightforward way to send, receive, and exchange money overseas, making it accessible to families and friends across different countries. Currently, Tranzfer.me operates in Peru, Brazil, the United States, Canada, and parts of Europe, with plans to expand its services throughout Latin America, thereby enhancing global payment accessibility for its users.

GreenArc Capital Pte Ltd is a fintech company based in Singapore that specializes in impact investing and financial lending services for micro, small, and medium enterprises (MSMEs). Established in 2016, the firm utilizes an AI-driven platform to connect institutional investors with mission-aligned private debt opportunities, particularly focusing on vulnerable populations. GreenArc Capital aims to foster inclusive growth and close the financing gap associated with the United Nations Sustainable Development Goals (SDGs). In addition to its lending services, the company offers Conservation Finance Solutions that link markets to forest protection projects. By leveraging technology and data, GreenArc Capital also provides tools for impact measurement and reporting, enhancing transparency and credibility in the assessment of environmental and social outcomes in private asset portfolios.

Fligoo is a company that specializes in developing a personalized recommendation platform tailored for the financial industry. Their platform employs artificial intelligence to deliver content that resonates with users' interests, including trending videos, news articles, blogs, and other media, all curated based on social media activity. In addition to its recommendation services, Fligoo offers AI products such as Fligoo Sharp AI and Fligoo DATAMOVEX AI, which are designed to solve complex challenges for clients and enhance their operational value. The company emphasizes data security by ensuring that client data remains within their controlled environment, facilitating seamless integration of AI solutions with existing systems.

Divizend is a financial technology platform focused on helping private investors reclaim foreign dividend withholding taxes. By automating the tax refund process, Divizend simplifies the complexities associated with tax recovery for individuals seeking to optimize their dividend earnings. The platform serves as a comprehensive resource, offering insights, research, analytics, and tax services tailored to the needs of investors. Additionally, it features an interactive dividend calendar that provides key figures and historical performance data for stocks across major international markets, empowering users to make informed decisions and maximize their dividend returns.

New Wealth is a business-to-business fintech company that specializes in providing modular white-label solutions aimed at enhancing the distribution of mutual funds and wealth management services. The company offers a mobile-first platform designed for personalized financial advice, enabling users to screen, discover, and analyze various investment products. By facilitating the legal marketing, advice, and sale of financial instruments and portfolios, New Wealth empowers wealth management professionals and investors with automated financial advice. Additionally, the platform promotes ESG awareness and mobilizes capital, supporting digital wealth channels and investment data management for a more efficient financial advisory experience.

LOQR is a provider of digital customer onboarding solutions tailored for financial institutions. The company offers a centralized platform designed to manage the entire digital identity lifecycle, encompassing identity verification and authentication. By delivering a comprehensive journey builder platform, LOQR empowers clients to enhance their digital banking experiences through services such as remote account opening and real-time consumer credit. With a focus on regulatory compliance and customer-centric solutions, LOQR aims to facilitate seamless and secure digital interactions for both financial institutions and their customers. Its expertise in artificial intelligence and compliance underscores its commitment to enabling clients to navigate the complexities of the digital landscape effectively.

Doomoolmori provides AI wealth management and data analytics solutions to financial institutions, and robo-advisory services to end users.

Hercle is a FinTech company focused on providing advanced technology solutions for institutional investors in the crypto-assets market. It specializes in low-latency, end-to-end prime-brokerage services and high-frequency trading platforms powered by artificial intelligence. Hercle's technology enables users to manage various trading strategies across multiple markets efficiently, helping them capitalize on market inefficiencies. By offering market-neutral strategies and tools for high-speed trading, Hercle aims to enhance the trading capabilities of its clients and optimize their exposure to crypto-assets.

Scorce is a platform that simplifies API integration by consolidating multiple API providers into a single connection, allowing developers to manage and access various services through one dashboard. This ease of use enables companies to focus on their core business while reducing the complexity and repetitive tasks associated with integrating third-party APIs. Scorce's tools are designed to assist in areas such as compliance analysis, financial data retrieval, personal data validation, digital onboarding, fraud prevention, and credit scoring. By conducting rapid risk assessments and analyzing various factors, Scorce helps clients make informed decisions while minimizing the risk of fraud and chargebacks, ultimately facilitating easier access to loans and other financial services.

Xpats is a cross-border, app-based neobanking platform designed to support expatriates and global remote workers. The company offers a range of essential services, including bank accounts, credit and debit cards, housing assistance, and health insurance, all tailored to meet the unique needs of this community. By providing easy access to both financial and non-financial products, Xpats aims to enhance the living and working experience for individuals moving abroad. The founding team, with over 50 years of combined expatriate experience, brings a strong background in banking, consulting, and digital product development, ensuring a user-friendly and efficient platform that addresses the various challenges faced by migrants.

Inveert develops software solutions tailored for financial institutions in the wealth management sector, focusing on underserved affluent and mass affluent clients. The company addresses significant challenges faced by these institutions, including difficulties in client prospecting, low conversion rates, and poor client retention. Inveert's platform enables financial entities to deliver personalized financial planning and advisory services by allowing retail customers to establish financial goals, assess their current situations, and define risk profiles. Its advanced algorithms create goal-based investment proposals that allocate resources according to clients' time horizons, making it feasible for institutions to offer ongoing advisory services profitably to clients with assets under management below $300,000.

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.

tradEAsy is a developer of automated trading software that provides an accessible web platform for traders to build, validate, and operate trading strategies. The platform uses advanced algorithms to monitor market opportunities and automatically execute trades based on research and algorithmic trading signals. By leveraging technology and proven methodologies, tradEAsy aims to enhance trading results while promoting liquidity and transparency in the market. This approach enables investors to engage more effectively with stock trading, making it a more democratized and streamlined process.

Moneko is a FinTech startup based in Singapore that is creating an AI-powered personal finance mobile application aimed at helping millennials in Asia improve their financial management skills. The application integrates behavioral science and game design elements to engage users, enabling them to save and manage their money more effectively. By utilizing machine learning, Moneko's platform assists users in setting aside funds for savings, managing expenses, and establishing financial goals. This innovative approach focuses on developing sustainable financial habits, providing a tailored and engaging experience for its users.

DAOFAB operates a digital escrow platform designed to facilitate safe and efficient commercial transactions. By leveraging blockchain technology, the platform enables users to send and receive multi-currency digital tokens and assets through its digital wallet, providing a secure means of conducting business. Additionally, users can earn interest on their tokens while receiving real-time transaction notifications. The platform also manages and disburses funds held in non-custodial escrow, enhancing transparency and efficiency in financial operations for businesses.

StokenX is a technology company that develops an open-source securities trading platform tailored for financial intermediaries seeking to manage digital assets. Its platform leverages blockchain technology to create a marketplace for trading security tokens, ensuring integration with existing core banking and cryptocurrency solutions. This integration facilitates automated settlements in both crypto and fiat currencies. By providing a secure and fully regulated environment, StokenX enables regulated financial institutions to offer their clients enhanced liquidity for bonds and private debt, thereby improving overall asset management capabilities.

Velotix operates an AI-driven data protection and access permissions platform designed to enhance data governance while minimizing security risks for regulated enterprises. By automating policy management at scale, Velotix enables organizations to securely orchestrate access to data, ensuring that the right individuals have the appropriate access at the right time for legitimate purposes. The platform provides real-time data insights and compliance management services, particularly tailored for the financial markets, allowing enterprises to execute advanced compliance validation and effectively manage data authorization. In a landscape marked by complex privacy regulations, Velotix aims to mitigate the risks of violations and fines, thereby facilitating greater business agility.

Stableton Financial AG is an investment firm based in Zug, Switzerland, founded in 2018. The company specializes in developing an alternative investments platform that provides access to various investment opportunities, including hedge funds, startups, alternative lending, and real estate. It offers advisory services focused on absolute return strategies, targeting private and mid-sized investors, financial intermediaries, investment managers, service providers, and startups. With a commitment to facilitating investments in growth-stage, tech-enabled companies, Stableton addresses sectors such as cloud computing, enterprise software-as-a-service, consumer technology, information technology, and financial technology. The firm also operates additional offices in Zurich and Berlin, expanding its reach within the investment landscape.

Avoodoo is a cloud-based platform that specializes in index development, calculation, and management for index providers and asset managers. It minimizes the need for IT intervention through its open interfaces and flexible data structure, which utilizes established business keys. Avoodoo ensures accurate backtesting with its temporal data integrity. In addition to its core services, the company offers consultancy in software engineering, product management, and agile methodologies. Avoodoo also provides workshops, training, and index consulting services, helping clients streamline product development cycles and effectively manage growing complexities in their operations.

Lyyna is a pioneering distribution platform focused on insurance, utilizing advanced technologies to enhance the customer experience. The platform specializes in single-item insurance and employs artificial intelligence to recommend tailored insurance solutions based on digital payment and electronic fund transfer data. By leveraging a scalable and flexible cloud-native architecture, Lyyna enables banks to maximize the value of payment data, facilitating the offering of insurance for small purchases. The company is committed to upholding customer privacy and ensuring that data is managed securely and responsibly.

Signzy is a provider of digital onboarding and identity verification solutions, serving clients in over 180 countries through its no-code platform and APIs. The company specializes in enhancing trust and security for banks and financial institutions by offering tools for Know Your Customer (KYC), Know Your Business (KYB), Anti-Money Laundering (AML) compliance, fraud detection, and various verifications, including bank account and age checks. Utilizing artificial intelligence and cryptographic technologies, Signzy’s platform simplifies customer authentication and due diligence processes, thereby streamlining onboarding and risk management for financial services. The company has established partnerships with notable organizations, including major banks and technology firms, and has helped customers achieve significant improvements, such as increased applicant growth and reduced fraud rates.

Propine is a Singapore-based company founded in 2018 that specializes in providing digital asset custody solutions for institutional investors. The firm develops regulated custodian and securities services that ensure secure management of blockchain-based digital assets. Its platform features a dual-layer multi-signature system that safeguards token holder rights and benefits, while also offering administration for token plans related to employees, partners, and investors. Propine’s services include segregated customer accounts, various withdrawal options, and comprehensive reporting capabilities, which encompass detailed transaction histories and notifications of corporate actions. This infrastructure allows institutional clients to effectively manage risk assets associated with tokens and enhances their overall asset management experience.

Abroaden is a wealth-building platform designed for individuals living abroad. It provides financial advisory and investment management services tailored to the unique needs of expatriates. Utilizing data analytics, the platform assesses customers' goals, investment preferences, and risk tolerance to develop personalized investment strategies. This approach not only aids clients in creating wealth while residing anywhere in the world but also offers the flexibility to adapt their investments as they move internationally. Abroaden's focus on the financial needs of expatriates distinguishes it in the market, making it a valuable resource for those seeking to enhance their financial well-being while abroad.

AAZZUR Ltd is a fintech company based in London that specializes in developing a financial orchestration platform. The platform allows businesses to seamlessly embed tailored financial services, such as banking, wealth management, and insurance, into their offerings without the need for significant investment in technology infrastructure. AAZZUR provides a mobile banking solution that includes live accounts and cards, alongside a customizable customer interface that allows for shared accounts. The company simplifies the integration process by providing pre-built, regulatory-compliant components, enabling clients to launch or integrate services more rapidly and efficiently. This approach enhances customer engagement, drives revenue growth, and reduces operational costs. Originally incorporated as BEEONE TECHNOLOGY LIMITED in 2017, AAZZUR rebranded in December 2017 to reflect its evolving focus on fintech solutions.

DigiShares offers a comprehensive software solution for the issuance and management of securities on the blockchain, primarily focusing on the tokenization of real estate and other substantial physical assets. As one of the first compliant security token offering platforms in Europe, DigiShares provides a white-label system that includes a user-friendly dashboard for issuers. This dashboard features an automatically updated ownership cap table, ensuring compliance by verifying that buyers are whitelisted before any token trades occur. Investors benefit from a customized KYC/AML process for registration and verification, while issuers can efficiently manage various aspects of their offerings, including share allocations, investor approvals, voting processes, and dividend distributions. DigiShares streamlines the financing and management processes for property developers, asset managers, and investment firms, facilitating quicker, more transparent, and cost-effective transactions.

Verif-y Inc. is a technology company that specializes in digital identity and credential verification solutions. Founded in 2016 and based in Philadelphia, Pennsylvania, Verif-y offers a platform that enables background checks for pre-employment screening and Know Your Customer (KYC) processes. Its services allow organizations to efficiently and securely verify identities and credentials while giving individuals control over their sensitive personally identifiable information (PII). Users can manage access to their information, including the ability to terminate access or delete historical records, enhancing privacy and security. Verif-y's solutions streamline onboarding for organizations, improve operational efficiency, and help reduce compliance burdens related to privacy regulations. The company serves a diverse clientele, including individuals, employers, credential providers, and government entities.

Obligate is a financial platform based in Zurich, Switzerland, that enables companies to issue on-chain bonds and commercial paper, facilitating funding from investors within a regulated decentralized finance (DeFi) environment. Founded in 2019, Obligate leverages smart contracts and tokenization to eliminate the need for intermediaries, significantly reducing the costs of bond issuance by up to 80% and shortening the issuance timeline from weeks to hours. The platform utilizes distributed ledger technology and qualified electronic signatures to issue, transfer, and close electronic negotiable instruments, enhancing data integrity. This innovation allows businesses to better manage their liquidity while providing corporates, banks, and investors with the capability to conduct real-time transactions involving e-notes, ultimately improving overall liquidity.

VALK is a software company based in London, founded in 2019, that specializes in providing a platform for managing, investing, and trading unlisted assets, including private company shares, fund shares, real estate, and infrastructure. The company's solution digitizes and automates asset management and investment workflows, streamlining processes traditionally handled manually. VALK serves a diverse client base, including over 70 investment banks, hedge funds, asset managers, family offices, fund managers, and individual private companies across more than 15 countries in Europe, the Middle East, Africa, North America, and South America. In the past year, VALK has facilitated over 4 billion USD in transactions. The company has received industry recognition, winning awards for sell-side technology and asset management, and is involved in the FCA Sandbox as well as Tech Nation's fintech cohort.

Things Protocol is a provider of IoT-based security and payment solutions, leveraging distributed ledger technologies to create an autonomous device identity and a tamper-proof communication protocol for smart devices. Founded in 2020 and headquartered in Den Haag, Netherlands, the company focuses on connecting the physical world with financial services, particularly in the banking, financial services, and insurance sectors. Its offerings include transparent and immutable IoT-based payment systems, device security, communication protocols, and monitoring tools for both data and financial transactions. Additionally, Things Protocol provides managed services for software and hardware, facilitating secure and private data sharing among devices, thereby enhancing the Internet of Things ecosystem.

Bond180 Limited is a fintech company based in London that focuses on providing technology solutions within the primary debt capital markets. Established in 2019, the company has developed a digital platform that includes a demand management system (DMS) designed to enhance the market-facing activities of institutional investors through improved data and analytics. Additionally, Bond180 offers 180Match, a reverse enquiry engine that facilitates streamlined communication between buyers and sellers in the debt market. The firm also operates an issue administration network, which provides digital asset issuance and administration services to the sell-side. By offering these innovative tools, Bond180 aims to help institutional investors efficiently identify value and source assets for their portfolios.

Yokoy is a FinTech company specializing in automated spend management for medium to large enterprises. Its platform integrates expense management, supplier invoice processing, and smart corporate cards, leveraging AI and machine learning to streamline workflows and enhance efficiency over time. The solution enables users to upload images of expenses for automatic report generation, saving time, preventing fraud, and providing valuable data insights. Founded in 2019 as Yokoy Group AG (formerly Expense Robot GmbH), the company aims to revolutionize spend management through innovative technology.

Troy is a FinTech company specializing in Friendly Debt Collection as a Service, emphasizing a data-driven and customer-centric approach. Recognizing that over half of customers may overlook payments due to short-term issues, Troy aims to maintain positive creditor-customer relationships, which is crucial given the high costs associated with acquiring new customers. Leveraging advanced technology alongside decades of experience in debt collection, Troy has established itself as a leader in customer experience within the industry. The company's platform integrates marketing, customer relationship management, and AI-driven targeting to enhance debt recovery rates, achieving improvements of 25% to 80% compared to traditional agencies. Client satisfaction is further evidenced by a strong customer survey rating of 4.1 out of 5. While primarily focused on corporate clients for debt collection, Troy also offers tools to enhance digitization and customer experience in internal processes.

Merkle Science is a software company founded in 2018 and headquartered in Singapore, specializing in predictive crypto risk and intelligence platforms. It provides tools for businesses, financial institutions, and government agencies to detect, investigate, and prevent illegal activities related to cryptocurrencies. The company utilizes a proprietary Behavioral Rule Engine, which allows compliance teams to exceed traditional blacklists and meet local KYC/AML obligations. Its platform features an intuitive rule management interface that enables users to visualize account activity over time and generate forensic reports. This functionality supports blockchain companies, crypto exchanges, investment funds, banks, and regulators in conducting due diligence and ensuring compliance while addressing the complexities of illicit cryptocurrency activities.

YUKKA Lab AG specializes in real-time news analytics software that detects market sentiments and provides innovative tools for the finance and communications sectors. The company's technology quickly analyzes financial news, allowing asset managers and financial advisors to gain insights into market moods, opinions, and trends with minimal time investment. This capability enables users to anticipate significant changes in market dynamics and trading volumes, thereby enhancing their decision-making processes for investments. Recent advancements in YUKKA Lab's offerings include metrics focused on environmental, social, and governance (ESG) factors, as well as corporate risk assessments. While primarily aimed at the finance sector, the applications of YUKKA Lab's technology extend beyond this field, showcasing its versatility in various contexts.

KeyRock, established in 2017, is a Belgian-based company specializing in crypto asset financial infrastructure. It offers market making and liquidity services to the cryptocurrency ecosystem, utilizing in-house algorithmic trading bots and high-frequency trading infrastructure. The company's services, including order book replication, trade execution, and spot execution, enable clients to operate exchanges and brokerages efficiently within the cryptocurrency market.

HedgeSPA operates a predictive investment analytics platform designed to enhance the management of investment portfolios for professionals. The platform integrates forward-looking market scenarios, significantly reducing portfolio drawdown and automating daily management tasks. By providing sophisticated analytics at competitive subscription rates, HedgeSPA aims to democratize access to advanced investment tools, enabling all professional investors to maximize their potential. The company's scalable model and low operational costs allow it to deliver Tier 1 analytics while maintaining high gross margins. HedgeSPA's mission is to level the playing field in asset management, fostering fair competition among market participants.

Inkredo is a company dedicated to transforming financial infrastructure by developing a financial data intelligence platform. This platform focuses on analyzing bank transaction data from structured files, utilizing artificial intelligence to extract high-quality, machine-readable data from various banks' PDF formats. By maintaining the tabular structure of this data, Inkredo empowers banks to make informed decisions based on their financial statements. The company aims to enhance the lives of individuals who have been overlooked by providing simpler and more accessible financial products.

Yokoy is a FinTech company specializing in automated spend management for medium to large enterprises. Its platform integrates expense management, supplier invoice processing, and smart corporate cards, leveraging AI and machine learning to streamline workflows and enhance efficiency over time. The solution enables users to upload images of expenses for automatic report generation, saving time, preventing fraud, and providing valuable data insights. Founded in 2019 as Yokoy Group AG (formerly Expense Robot GmbH), the company aims to revolutionize spend management through innovative technology.

Element36 is a financial technology company that addresses the challenges of integrating blockchain technology with traditional business practices. It offers a platform designed to facilitate the use of smart contracts for transactions in EUR and CHF. Element36 provides solutions such as an onboarding process, a wire transfer API, and the ability to handle stablecoins and tokens. By doing so, it enables developers and businesses to incorporate a banking interface into smart contracts while ensuring compliance with anti-money laundering regulations. This positions Element36 as a crucial intermediary between conventional finance and the emerging crypto economy.

ff.next offers design-driven mobile banking solutions for financial innovators with a special focus on younger customers, including off-the-shelf, boxed solutions that are all easy-to-customise, design-driven and white-label as well as an end-to-end service from UX research, through UX/UI design to implementation. These solutions enable banks and fintech companies to engage younger generations, Millennials & GenZ customers with design-oriented digital interfaces. The company has two flagship products called Flint and RocketMoney. Flint is a mobile-first, end-to-end remote lending solution, which is capable of executing credit scoring through a mobile platform, therefore loan application can take only 20 minutes. The solution uses public registers, therefore most of the user data is automatically filled in and its cleanliness is also guaranteed. RocketMoney is a family banking solution we offer together with GoSave, a Californian fintech startup. We together cover the whole youth banking lifecycle by serving the 6-12 years old with a next generation piggy bank and the 12-18 years old with an allowance management application helping youngsters manage, save and also make money in a smart way. Our vision is to conquer the youth banking space with our GoSave and provide financial innovators with the right solutions to increase financial consciousness and literacy.

EasySend LTD, founded in 2016 and based in Tel Aviv-Yafo, Israel, specializes in developing a no-code digital transformation platform aimed at banks and insurance companies. The platform enables the conversion of paper forms and PDFs into interactive digital journeys, enhancing customer interactions and streamlining processes. EasySend supports various financial use cases, including digital mortgages, lending, policy renewals, claims, and customer onboarding, utilizing pre-built components tailored to the unique needs of financial institutions. The platform's advanced analytics and optimization tools provide customers with insights into their digital workflows, allowing them to identify issues, optimize processes, and drive revenue growth. EasySend’s solutions easily integrate with existing legacy and core banking systems, as well as major CRM platforms. Since its inception, EasySend has gained significant traction in the Israeli market, serving over 90% of local financial institutions and rapidly expanding to serve more than forty enterprise customers in countries such as the United States, Germany, the UK, and Japan.

Galaxis Network operates an online financial platform that focuses on decentralizing portfolio management through the use of smart contracts. Founded in 2019 and based in London, the platform is designed for the management of digital assets, specifically catering to hedge funds and private equity holdings. By leveraging blockchain technology, Galaxis Network offers a compliant environment for trading and managing digital assets, including features such as peer-to-peer portfolio following, smart contract-based asset swaps, and lending options. This enables institutional investors and traders to engage with decentralized finance while adhering to regulatory standards.

3rd-eyes analytics specializes in providing digital wealth planning and advisory software aimed at financial institutions. The company’s platform enables banks, insurance companies, and investment advisers to effectively manage earnings through a wealth planning module that incorporates stochastic processes to determine optimal asset allocation. This allows for a goal-based investing approach, integrating scenario-based asset-liability management methods. Additionally, 3rd-eyes analytics emphasizes sustainable investing, ensuring that financial institutions can go beyond mere regulatory compliance to meet their clients' financial goals in a responsible manner.

NDGIT GmbH, established in 2015 and headquartered in Munich, Germany, specializes in developing banking software-as-a-service solutions centered around APIs. The company's core offering, API-Platform, facilitates secure management of internal and external APIs, providing cross-functional tools tailored to the banking and insurance industries. Additionally, NDGIT provides access-to-account APIs for PSD2 compliance, a banking API marketplace, and a multi-aggregator API solution enabling users to access and manage their financial accounts across various banks. The company also develops custom applications for banks, insurers, and fintech firms, fostering digital innovation in the financial sector.

Wallee is a payment services platform that facilitates electronic payment processing through its online payment gateway. It offers an array of features including recurring bill payments, hosted checkout pages, and reconciliation tools. The platform supports modern payment methods such as credit card transactions, PayPal, direct debit, bank transfers, wallets, and invoice payments. Wallee's API-linked payment gateway simplifies integration with e-commerce websites and well-known shopping systems, enhancing the payment experience for merchants and customers alike. Additionally, it provides tools for improving card acceptance rates by routing transactions based on card BIN ranges.

Abaka Holdings Ltd., established in 2016 and headquartered in London, operates an AI-powered digital savings and retirement platform. It partners with financial institutions to provide scalable, affordable advice on pensions, savings, and investments to retail customers. Abaka's platform offers conversational AI, personalized behavioral nudges, data aggregation, and financial planning tools, benefiting over 9 million users worldwide through its enterprise clients, which include tier-one banks, pension providers, and asset managers across multiple countries.

PXL Vision AG, founded in 2017 and headquartered in Zurich, Switzerland, specializes in the design and development of identity verification and customer onboarding software solutions. Its flagship product, Daego, employs advanced computer vision and machine learning technologies to create trusted digital identities. This cross-platform solution is tailored to meet the needs of various industries, including insurance, fintech, and healthcare, by automating the verification of identity documents and performing facial biometric checks to ensure that users are legitimate and the rightful owners of their documents. By facilitating secure and efficient customer onboarding, PXL Vision aims to enhance conversion rates, reduce costs associated with compliance, and mitigate identity fraud. With research and development centers in Novi Sad, Serbia, and Yerevan, Armenia, PXL Vision is dedicated to establishing a foundation of trust in digital interactions through unbiased and verifiable identities.

BlockState offers a blockchain-based platform tailored for small and medium-sized enterprises (SMEs) and real estate developers to facilitate the issuance and management of equity and debt. The company specializes in creating Security Tokens, which are digital representations of regulated financial products. By leveraging blockchain technology and smart contracts, BlockState automates complex processes, reduces reliance on intermediaries, and enhances cost efficiency for issuers. The platform also provides lifecycle management tools that support various functions, including issuance KYC, corporate actions, financial reporting, and over-the-counter transfers. Ultimately, BlockState's solution enables seamless connectivity between issuers and investors, streamlining the management and transfer of non-bankable assets.

Finteum is a developer of a global trading platform designed to manage intraday liquidity for bank treasury teams, specifically focusing on interbank and intraday lending. By utilizing distributed ledger technology, Finteum creates a market for intraday foreign exchange swaps that enhances the speed of trade execution and settlement. This platform allows customers to efficiently settle intraday trades with predefined maturities, thereby addressing a previously unmet need for quick access to intraday liquidity in the financial market.

Oper is a reliable technology partner that enables lenders to leverage their mortgage offerings. The company helps credit providers to launch digital credit products in a matter of days. Credit providers can simply configure their process and start selling, by using Oper's out-of-the-box modules. The customers can integrate Fintech technologies into their process by choosing functionalities from Oper's Fintech partner app store.

Apiax AG, founded in 2017 and based in Zürich, Switzerland, specializes in developing digital tools for managing financial regulations. The company provides an embedded compliance solution that allows financial institutions, including banks and FinTech companies, to transform complex regulations into user-friendly digital compliance rules. This technology enables clients to integrate compliance seamlessly into their existing applications and processes, facilitating faster decision-making and addressing pressing regulatory questions. By leveraging a high-performance architecture and machine learning, Apiax helps organizations navigate regulatory challenges, seize business opportunities, and reduce compliance costs. The company's presence extends beyond Switzerland, with additional offices in Lisbon and London.

C2Sec provides an innovative analytics platform that assesses and quantifies cyber risks in financial terms for ITSec and insurance industry.

BASIS ID specializes in developing customer due diligence software that aids enterprises and governmental institutions in their Know Your Customer (KYC) and Anti-Money Laundering (AML) processes. The company offers in-house developed software that enhances authentication, accelerates operational efficiency, and strengthens security by ensuring compliance with regulatory standards. By providing effective customer onboarding services at competitive prices, BASIS ID facilitates trustworthy relationships and secure data communication for businesses and corporate clients, ultimately boosting their productivity.