T0 Ventures

Stackr Labs develops application-specific rollups on Ethereum using web2 programming languages.

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 is a digital-first pet insurance company aiming to transform the market with a comprehensive policy that includes dental care, behavioural support, and preventative resources as standard. Launched in December 2021, it blends AI-driven technology with human care to enable fast, fair claims processing and ongoing support throughout pet ownership, pursuing a six-star customer experience. The company has earned recognition for rapid UK growth and has received awards such as Insurer of the Year at the Modern Claims Awards and Innovation and Rising Star honors at the UK FinTech Awards. Napo envisages a holistic pet care ecosystem offering tools, education, and services to support pets’ health and happiness across life stages, delivered via a digital platform that provides a simple, fast, frictionless experience so pets can live long, healthy 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 operates a European crowdfunding platform that facilitates partial ownership in high-yielding, luxury assets.

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.