T0 Ventures

Stackr Labs is a company focused on developing app-specific rollups on the Ethereum blockchain, utilizing web2 programming languages. It aims to create standalone customizable applications that leverage the benefits of rollups for distributed computing. By specializing in the efficient integration of off-chain data sources, such as social graphs, user credit scores, and KYC and identity systems, Stackr Labs enables users to access and utilize data seamlessly. The company's innovative approach seeks to unlock the potential of rollups, enhancing the functionality and performance of decentralized applications.

SAPI operates a dual-focused business model that combines a loyalty program for consumers with an embedded financing platform for small businesses. Through its LoyalRate initiative, SAPI allows customers to purchase bulk discounts on local goods and services, rewarding them for their loyalty while providing small businesses with upfront cash flow. For instance, customers can pre-pay for multiple coffee purchases at a discounted rate or buy a set amount of haircuts for less than the regular price. Additionally, SAPI offers an embedded financing platform that enables clients to provide quick and appealing financing options to their merchants. This platform simplifies the loan process through custom underwriting and integration, helping businesses access necessary capital to enhance their operations. Together, these offerings support local economies by encouraging consumer spending and providing financial resources to small enterprises.

Napo Pet Insurance is a digital-first insurtech company established in December 2021, dedicated to transforming the pet insurance landscape with a comprehensive approach that exceeds standard offerings. The company provides coverage that includes essential services such as dental care, behavioral support, and preventative care resources, aimed at delivering peace of mind to pet owners. Napo prioritizes customer experience through the integration of advanced AI-driven technology and personalized human support, facilitating efficient claims processing and assistance throughout the pet ownership journey. Recognized as one of the UK’s fastest-growing pet insurers, Napo has received accolades such as Insurer of the Year at the Modern Claims Awards and Innovation and Rising Star honors at the UK FinTech Awards. The company aims to create a holistic pet care ecosystem that not only encompasses insurance but also offers tools, education, and services to promote the health and happiness of pets at every stage of their lives.

Qori is an innovative mobile payment solution that enables brick-and-mortar merchants to accept both bank and cryptocurrency payments through a simple QR code generated on their mobile devices. The platform allows merchants to engage with both registered and unregistered clients without requiring an app on the client side, thereby streamlining the payment process. Qori addresses the evolving trends in the payments industry, such as open banking and cryptocurrency, by providing a cost-effective and frictionless alternative to traditional card and cash payments. Merchants can facilitate in-store, e-commerce, and remote transactions, enhancing the customer experience by allowing payments through direct bank transfers or cryptocurrencies with minimal effort. The platform's features include the ability to send QR codes for remote payments and display payment icons on e-commerce websites, ensuring a seamless and efficient payment journey for users. Overall, Qori positions itself as a preferred multi-channel payment method that eliminates intermediaries while offering advanced client engagement tools.

Konvi is a European crowdfunding platform that facilitates partial ownership of high-yielding luxury assets. The platform allows users to invest in rare and valuable goods, offering greater potential for value appreciation compared to traditional asset classes. By enabling portfolio diversification through access to these exclusive assets, Konvi connects investors with industry experts and luxury funds globally. This approach provides a unique opportunity for individuals to gain exposure to lucrative investment options within the luxury market.

Smartia Ltd is a company that designs and develops scalable artificial intelligence solutions aimed at transforming industrial data into actionable insights. Its flagship product, MAIO, serves as an industrial intelligence platform that integrates edge computing, big data technology, and AI-driven applications, providing a comprehensive digital solution tailored for the manufacturing and engineering sectors. In addition to its platform, Smartia offers AI and machine learning application development services customized to meet specific client needs. Founded in 2018 and based in Bristol, United Kingdom, Smartia is dedicated to helping industrial companies enhance their operations through innovative technology.