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Pliant is a European fintech company based in Berlin, founded in 2020, that specializes in B2B payment solutions. Its modular, API-first platform is designed to streamline spending, improve cash flow, and integrate payments into existing financial workflows, catering particularly to industries with complex payment requirements such as travel and fleet management. Pliant offers services to two main customer segments: businesses seeking to optimize their operational processes through user-friendly applications and APIs, and financial service providers aiming to enhance their credit card offerings via Pliant's embedded finance and white-label solutions. As a licensed e-money institution, Pliant issues Visa-powered credit cards in 11 currencies across more than 30 countries, serving over 3,500 businesses and over 20 partners globally. The platform allows companies to manage expenses and credit limits easily, promoting efficiency and financial flexibility without the need for traditional bank loans.

Tuum is a cloud-native banking platform that is spearheading the next generation of digital innovation in the financial services industry. Built around a microservices architecture, the platform consists of flexible and independent modules covering all retail and business banking capabilities. The platform is API-based for quick and easy integration and can run on all major cloud providers, as well as on private clouds. Founded by a team of banking and technology experts in 2019, Tuum combines technological excellence with in-depth banking knowledge and packages it into a sophisticated, cutting-edge platform. Tuum currently employs over 60 people with offices in Tallinn, Berlin and Malaga.

Fiat Republic is a developer of a crypto-focused, e-money-regulated software-as-a-service platform that streamlines the integration of fiat payment processes for cryptocurrency platforms. By aggregating multiple banks into a single application programming interface, the company simplifies compliance onboarding and allows users to easily incorporate banking services such as IBANs, virtual accounts, and various local currency transfer options. Fiat Republic's platform supports traditional financial transfer methods, including SEPA and Faster Payments, and offers real-time foreign exchange capabilities. This approach enables crypto platforms to automate payment flows and democratize access to the Web3 economy, making it easier for mainstream users to engage with digital currencies.

Toqio is a technology company founded in 2019 by Eduardo Martinez and Michael Galvin, with offices in London, Madrid, and Nairobi. It specializes in providing a platform that enables organizations to develop customized fintech solutions, either as mobile applications or web-based services. Toqio offers software integration tools tailored for the financial industry, facilitating various functions such as digital banking, onboarding, transaction monitoring, and the distribution of financial products and services. Its platform includes a marketplace of partners and supports configuration and customization, allowing companies to rapidly deploy data-driven financial propositions to their customers.

Kevin. is a fintech company that specializes in providing an advanced account-to-account payment infrastructure designed to replace traditional card transactions. By leveraging open banking, Kevin. develops its own direct connections to banks, eliminating the need for third-party aggregators. This unique approach enables businesses to transition from costly card payments to more affordable and secure transactions directly from customers' bank accounts. The platform offers fully customizable solutions that can scale to meet the needs of any business. By improving the overall customer experience and enhancing conversion rates, Kevin. not only streamlines payment processes but also reduces costs associated with payment acquiring services for merchants.

Fiat Republic is a developer of a crypto-focused, e-money-regulated software-as-a-service platform that streamlines the integration of fiat payment processes for cryptocurrency platforms. By aggregating multiple banks into a single application programming interface, the company simplifies compliance onboarding and allows users to easily incorporate banking services such as IBANs, virtual accounts, and various local currency transfer options. Fiat Republic's platform supports traditional financial transfer methods, including SEPA and Faster Payments, and offers real-time foreign exchange capabilities. This approach enables crypto platforms to automate payment flows and democratize access to the Web3 economy, making it easier for mainstream users to engage with digital currencies.

Kevin. is a fintech company that specializes in providing an advanced account-to-account payment infrastructure designed to replace traditional card transactions. By leveraging open banking, Kevin. develops its own direct connections to banks, eliminating the need for third-party aggregators. This unique approach enables businesses to transition from costly card payments to more affordable and secure transactions directly from customers' bank accounts. The platform offers fully customizable solutions that can scale to meet the needs of any business. By improving the overall customer experience and enhancing conversion rates, Kevin. not only streamlines payment processes but also reduces costs associated with payment acquiring services for merchants.

Tide is a UK-based fintech company specializing in business banking services for small and medium-sized enterprises (SMEs). Its platform offers streamlined business accounts and administrative solutions, such as seamless integration with accounting systems, to help SMEs save time and money. Tide's advanced technology is tailored to the needs of SMEs, making it a leading challenger in the UK's SME banking sector. The company is committed to serving SMEs exclusively, focusing on their unique requirements.

Toqio is a technology company founded in 2019 by Eduardo Martinez and Michael Galvin, with offices in London, Madrid, and Nairobi. It specializes in providing a platform that enables organizations to develop customized fintech solutions, either as mobile applications or web-based services. Toqio offers software integration tools tailored for the financial industry, facilitating various functions such as digital banking, onboarding, transaction monitoring, and the distribution of financial products and services. Its platform includes a marketplace of partners and supports configuration and customization, allowing companies to rapidly deploy data-driven financial propositions to their customers.

Bnext is a fintech platform based in Madrid, Spain, that redefines banking by offering a comprehensive digital banking experience without the need for traditional banks. It allows users to establish current accounts quickly, providing nearly all the functionalities of conventional banking. A key feature of Bnext is its Marketplace, which grants users access to a curated selection of financial products from various fintechs and banks, tailored to meet individual needs. Users can manage their existing bank accounts alongside Bnext's offerings, enabling them to oversee their entire financial landscape in one place. The platform emphasizes collaboration with financial service providers to present the best available options, rather than relying on commission-based sales of products. Bnext's diverse portfolio includes offerings such as loans, real estate investments, and crowdfunding opportunities, positioning it as a pioneering force in the emerging landscape of digital banking.

Bnext is a fintech platform based in Madrid, Spain, that redefines banking by offering a comprehensive digital banking experience without the need for traditional banks. It allows users to establish current accounts quickly, providing nearly all the functionalities of conventional banking. A key feature of Bnext is its Marketplace, which grants users access to a curated selection of financial products from various fintechs and banks, tailored to meet individual needs. Users can manage their existing bank accounts alongside Bnext's offerings, enabling them to oversee their entire financial landscape in one place. The platform emphasizes collaboration with financial service providers to present the best available options, rather than relying on commission-based sales of products. Bnext's diverse portfolio includes offerings such as loans, real estate investments, and crowdfunding opportunities, positioning it as a pioneering force in the emerging landscape of digital banking.

Tide is a UK-based fintech company specializing in business banking services for small and medium-sized enterprises (SMEs). Its platform offers streamlined business accounts and administrative solutions, such as seamless integration with accounting systems, to help SMEs save time and money. Tide's advanced technology is tailored to the needs of SMEs, making it a leading challenger in the UK's SME banking sector. The company is committed to serving SMEs exclusively, focusing on their unique requirements.

Holvi is a digital banking service tailored for small businesses, including solopreneurs, freelancers, and startups in Europe. It provides a comprehensive platform that combines business accounts, invoicing, and bookkeeping tools, streamlining financial administration for its users. As a licensed Payment Institution, Holvi operates under the authorization of the Financial Supervisory Authority of Finland, allowing it to serve customers across the EU. The platform facilitates sales, invoicing, and cash flow tracking, enabling businesses to efficiently manage their finances and focus on growth without the distractions of traditional financial management.