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Julaya is a financial technology company that specializes in a mobile payment software application designed to facilitate money transfers and other financial services. Founded in 2017 and based in Bondy, France, the company operates a platform that enables users to deposit and withdraw money through various networks, as well as pay utility bills and reload credit cards. The service allows users to transfer money without fees, catering to both individuals and businesses. Julaya's innovative approach provides access to digital payment solutions, bulk mobile money transfers, prepaid corporate cards, and cash collection services for retailers and fast-moving consumer goods. The company is headquartered in Lagunes, Côte d'Ivoire, and aims to enhance the financial transaction landscape in the region.

Ledgy AG, a technology company, operates Software-as-a-Service platform to manage and exchange securities in private companies. Its platform is used for shares management for companies and shareholders. The company was founded in 2017 and is based in Zurich, Switzerland.

Skyfri, founded in 2017, specializes in asset performance management software tailored for renewable energy plant owners. The company's platform leverages machine learning and a comprehensive library of operational algorithms to deliver actionable analytics, allowing users to identify and address performance issues automatically. By automating operations, maintenance, and asset management, Skyfri aims to enhance revenue generation and minimize downtime in production. The company is supported by prominent investors and boasts a management team with extensive experience in developing and managing renewable energy and technology ventures, including overseeing over 3GW of assets across Europe, Asia, and North America.

Flowdesk is a French Fintech company based in Paris. Since it was founded in early 2020, Flowdesk has developed a tech solution to allow traders to interact with multiple exchanges simultaneously. Flowdesk is a digital assets service provider registered in France with the French Market Authority (AMF). It focuses on the development of its platform which integrates more than 30 exchanges and can trade on hundreds of pairs (fiat/crypto and crypto/crypto). Built on a financial and technical culture, with a significant experience on traditional market, Flowdesk designed its product for professional traders valuing security, risk management and compliant operations. Flowdesk offers a range of services gravitating towards this technology with brokering, market making and asset management. Flowdesk addresses financial companies, global companies and high net worth individual who intend to diversify their portfolio with crypto-assets. Its knowledge of decentralized finance and its place at the core of the French crypto-sphere help Flowdesk to bring the best services and unique opportunities to its clients. Flowdesk also offers "market-making as a service" to token issuers to help them sustain their liquidity and market composure of their tokens.

Upvest GmbH, founded in 2017 and based in Vaduz, Liechtenstein, specializes in providing a blockchain application programming interface (API) designed to enhance wallet experiences for end users. The company's technology supports decentralized applications, tokenized platforms, exchanges, and wallet services, enabling them to integrate with major open-source protocols such as Bitcoin, Ethereum, and ERC20, with plans to support additional platforms like Stellar, EOS, and Tezos. Upvest also empowers financial institutions by offering a modular and scalable API that facilitates the inclusion of diverse investment products within their applications. By connecting to leading asset providers and exchanges, Upvest aims to deliver competitive investment options with high execution speed and favorable pricing.

Pemo is an all-in-one spend management solution that empowers your business by packing every company invoice, expense, approval and spending decision into one powerful platform. Our offering includes smart corporate cards, invoice payment systems and expense tracking functions. These are supported by automated approval flows, direct accounting integration and real-time reporting - features that allow business owners to save time, save money, automate admin and every expense so you can get on with what you do best - building great businesses.

Bitfount is a privacy-preserving AI/ML and data collaboration platform for sending algorithms to data.

kevin. provides a secure and developer-friendly payment infrastructure, unlocking the benefits of Open Banking to a wide range of market players. Licensed to operate across the EEA and supervised by the bank of Lithuania, kevin.'s banking payment and account information solutions are fully compliant with the PSD2 framework and outcompete card networks on both quality and price. We are a team of 40 (and growing!) passionate people driven by our expertise, ambition, trust and sense of ownership.

Abhi is a financial wellness platform that offers salary advances to employees based on their accrued wages. The company's application allows employees to access their unpaid wages without hidden charges, providing a straightforward solution for financial needs. In addition to salary advances, Abhi facilitates services such as invoice factoring and payroll processing. This enables employers to manage their payroll efficiently and ensures timely payments to employees, even during financial challenges. By streamlining access to funds, Abhi aims to enhance the financial well-being of both businesses and their employees.

Khazna is an Egyptian company focused on enhancing financial services through its mobile application. The platform offers a range of services, including payments, savings, and insurance, while also allowing employers to provide cash advances to employees for unforeseen emergencies. Users can easily transfer and receive funds between each other and make cash withdrawals and deposits without incurring transaction fees. By leveraging smartphone technology, Khazna aims to deliver convenient, effective, and secure financial solutions to consumers in Egypt.

Yokoy automates spend management for medium and large enterprises with artificial intelligence, combining expense management, supplier invoice management and smart corporate cards into one single intuitive platform.

Finary is a digital wealth management platform based in Europe that enables individuals to track and manage their financial assets effectively. The platform caters to the mass affluent, offering tailored services for personal finance, real estate, cryptocurrencies, insurance, and various securities. Finary provides users with a comprehensive overview of their asset allocation, allowing them to monitor and analyze their investments. This functionality is designed to empower users to make informed decisions and optimize their financial strategies, ultimately enhancing their wealth management experience.

Developer of crypto-focused, e-money-regulated SaaS platform designed to unlock mainstream and local banking services for the top crypto sites. The company's platform offers a banking and payments application programming interface through real-time data that lets cryptocurrency sites easily embed and automate flows, enabling users to democratize access to the Web3 economy.

Skyfri, founded in 2017, specializes in asset performance management software tailored for renewable energy plant owners. The company's platform leverages machine learning and a comprehensive library of operational algorithms to deliver actionable analytics, allowing users to identify and address performance issues automatically. By automating operations, maintenance, and asset management, Skyfri aims to enhance revenue generation and minimize downtime in production. The company is supported by prominent investors and boasts a management team with extensive experience in developing and managing renewable energy and technology ventures, including overseeing over 3GW of assets across Europe, Asia, and North America.

OZÉ, Inc. is a Ghana-based company founded in 2016 that provides an Android application designed for small businesses to manage their finances effectively. The OZÉ app allows users to track sales, expenses, and customer information, offering tailored recommendations and reports based on the analyzed data. It also provides business education and access to support through OZÉ Coaches. By leveraging machine learning, OZÉ can assess credit risk and connect businesses with affordable capital from banking partners. With over 20,000 registered users, OZÉ has established itself as the largest online community of small and medium enterprises in Ghana. The platform has demonstrated significant success, with 97% of businesses using OZÉ for at least nine months reporting growth or profitability.

Fairplay is a performance-based financing platform that supports and helps e-Commerce companies to grow by advancing revenue for marketing spend. It offers funding in exchange for a steady share of revenues until the capital is paid back plus a flat fee. Fairplay was founded in 2019 and is headquartered in Mexico City.

Vitt operates a financial platform that facilitates non-dilutive financing for SaaS companies by allowing them to convert their contracted revenue into upfront cash. This approach enables SaaS founders to secure funding quickly, bypassing the lengthy process typically associated with traditional fundraising methods. Through its web application, Vitt provides a streamlined experience where clients can apply for financing and receive decisions based on their financial data within minutes. By focusing on the performance of the business rather than the founders' network connections, Vitt aims to simplify the funding process for SaaS companies while also creating a new asset class for investors.

Nook offering is geared towards delivering simplified SME payments and invoicing solutions.

Billie GmbH, based in Berlin, Germany, is a fintech startup founded in 2016 that specializes in pre-financing invoices and online factoring services for small and medium-sized enterprises (SMEs). The company aims to improve working capital management through a fully automated invoice financing solution, addressing the order-to-cash challenges faced by SMEs. Billie's platform facilitates expedited B2B invoicing and payments by utilizing big data analytics and digital processes, allowing for instant financing of purchases directly at the online point-of-sale. In addition to its invoice factoring services, Billie offers a pay-after-delivery product to help SMEs secure improved payment terms, enabling them to manage outgoing invoices efficiently without hidden fees or excessive paperwork.

kevin. provides a secure and developer-friendly payment infrastructure, unlocking the benefits of Open Banking to a wide range of market players. Licensed to operate across the EEA and supervised by the bank of Lithuania, kevin.'s banking payment and account information solutions are fully compliant with the PSD2 framework and outcompete card networks on both quality and price. We are a team of 40 (and growing!) passionate people driven by our expertise, ambition, trust and sense of ownership.

Unstoppable Finance is building an intuitive crypto wallet bringing Decentralized Finance to everyday investors globally.

Unstoppable Finance is building an intuitive crypto wallet bringing Decentralized Finance to everyday investors globally.

Primer enables e-commerce merchants and online payments facilitators to consolidate their payments services stack, seamlessly connecting to third party services such as payment service providers (PSPs), fraud providers, chargeback services, subscription billing engines, BI tools, loyalty and rewards platforms. Primer's unified payments integration, checkout experience and workflows functionality allows merchants to quickly add new payment methods, unify fraud mitigation efforts and build sophisticated transaction routing with no code.

Tide Platform Limited is a mobile-first banking service based in London, United Kingdom, established in 2015. The company primarily serves small and medium enterprises (SMEs) by providing business current accounts and a range of financial services designed to streamline their operations in an online and mobile environment. Tide aims to save time and money for SMEs by offering not only banking services but also administrative solutions, including seamless integration with accounting systems. With a focus solely on the needs of SMEs, Tide has emerged as a leader in the challenger banking sector within the UK, leveraging advanced technology to deliver user-friendly solutions tailored to the specific requirements of small businesses.

Toqio Fintech is a SaaS-based global financial platform designed to facilitate the launch of financial solutions for businesses without the need for complex software development. The platform lowers entry barriers for innovation in the financial sector, enabling companies to swiftly and effectively introduce financial products and services. With the capability to establish a digital bank in under six weeks, Toqio utilizes AI algorithms to automatically recommend financial products to users. This approach allows various organizations to access and implement tailored financial solutions that meet their specific needs.

FairMoney is a mobile banking platform that provides credit solutions to private and business borrowers by leveraging smartphone data to create instant credit scores. Founded in 2017 and headquartered in Paris, France, the company operates with a team of 45 professionals across Paris and Lagos, Nigeria. FairMoney has successfully disbursed over 350,000 loans, aiming to expand financial access for millions in Africa and South-East Asia. The company is supported by a range of European and American investors, emphasizing its commitment to innovation and growth in the microfinance sector.

wefox is a digital insurance company based in Berlin, Germany, founded in 2015. It aims to enhance safety and minimize risks by transforming the insurance landscape through technology. The company focuses on selling insurance through intermediaries rather than direct channels, leveraging analytics to achieve better loss ratios than the market average. With over 90% straight-through processing, wefox operates a central product factory that enables rapid and cost-effective deployment of product innovations across international markets. The company has established a network of thousands of digitally enabled advisors throughout Europe, which enhances customer satisfaction, reduces customer acquisition costs, and improves cross-selling opportunities while decreasing churn.

TurinTech AI is an artificial intelligence company based in London, founded in 2018. The company has developed an innovative optimization platform that automates the entire lifecycle of creating and deploying AI solutions. TurinTech AI focuses on enhancing business efficiency by enabling enterprises to leverage their data for AI-driven transformations with minimal human intervention. The platform supports users in developing and executing trading algorithms, offering tools for automation, data feeds, and machine learning capabilities. By integrating these features, TurinTech AI aims to provide organizations with the ability to optimize operations at scale, speed, and cost-effectiveness.

Wayflyer is a revenue-based financing platform for eCommerce brands.

Finary is a digital wealth management platform based in Europe that enables individuals to track and manage their financial assets effectively. The platform caters to the mass affluent, offering tailored services for personal finance, real estate, cryptocurrencies, insurance, and various securities. Finary provides users with a comprehensive overview of their asset allocation, allowing them to monitor and analyze their investments. This functionality is designed to empower users to make informed decisions and optimize their financial strategies, ultimately enhancing their wealth management experience.

Finary is a digital wealth management platform based in Europe that enables individuals to track and manage their financial assets effectively. The platform caters to the mass affluent, offering tailored services for personal finance, real estate, cryptocurrencies, insurance, and various securities. Finary provides users with a comprehensive overview of their asset allocation, allowing them to monitor and analyze their investments. This functionality is designed to empower users to make informed decisions and optimize their financial strategies, ultimately enhancing their wealth management experience.

Receeve is a digital debt servicing platform headquartered in Hamburg, Germany, focused on enhancing operational efficiency in the financial sector. The platform employs artificial intelligence to provide comprehensive debt servicing solutions, which aim to improve effectiveness and transparency in transactions for businesses, financial institutions, and investment funds. By leveraging advanced technology, Receeve seeks to transform traditional debt management practices, enabling its clients to achieve significant operational gains. The company is committed to assembling a team of dedicated professionals who share a common vision for success within the FinTech industry.

Primer enables e-commerce merchants and online payments facilitators to consolidate their payments services stack, seamlessly connecting to third party services such as payment service providers (PSPs), fraud providers, chargeback services, subscription billing engines, BI tools, loyalty and rewards platforms. Primer's unified payments integration, checkout experience and workflows functionality allows merchants to quickly add new payment methods, unify fraud mitigation efforts and build sophisticated transaction routing with no code.

Wayflyer is a revenue-based financing platform for eCommerce brands.

Bitpanda GmbH, founded in 2014 and based in Vienna, Austria, operates a cryptocurrency trading platform that serves as a retail broker for buying and selling digital assets. The company aims to simplify the investment process, promoting transparency and accessibility in the financial market. By leveraging blockchain technology and digitized assets, Bitpanda removes traditional financial barriers, allowing users to trade cryptocurrencies with low fees and on a 24/7 basis. The platform emphasizes real-time settlement, empowering individuals to take control of their financial futures.

Factris Holding B.V. is a fintech company based in Amsterdam, Netherlands, that focuses on providing working capital solutions for small and medium-sized enterprises (SMEs). Established in 2017, Factris specializes in financing businesses by purchasing their unpaid invoices, thus offering services such as factoring, debt management, debtor insurance, and invoice finance. The company also provides financial automation solutions, enabling businesses to streamline their financial processes while improving cash flow.

Bnext is a fintech platform headquartered in Madrid, Spain. Bnext is the first supermarket for financial products, it reflects a new way of banking that challenges traditional banking from its foundations. With Bnext users can do almost everything they do with a bank, without having to use a bank. It allows them to create their own current account in a matter of minutes, with nearly all the functionalities of an account in a traditional entity. Additionally, users can include their external accounts and hence have all their financial information on a single platform, regardless of the provider. However, the real innovation in Bnext lies on its Marketplace. Here, users have access to a wide range of financial products from fintechs and banks. The offering suplliers are meticulously selected in order to best fit the client's needs. On the platform, the user can scan through all different products, purchase them and control his acquisitions, all without ever leaving the app. Instead of charging the customer endless commissions and trying to sell as many products as possible, Bnext has developed a model that allows to really collaborate with the fintechs and get the best available offers on the market. The fintech portfolio to date includes real estate investment firms, mutual fund investment, loans and crowdlending, microloans or crowdfunding. Bnext is progressively integrating the most leading products in the market to expand the offer and thus become the first bank without balance.

TaxScouts is a tax preparation platform that makes tax planning easier. It allows drawing up of personal income tax online by certified accountants and its tax bot helps users to understand their personal income tax situation and suggests ways to reduce their tax bill. Founded by Mart Abramov, Kaupo Kõrv, and Daniel Karger in 2017, TaxScouts is headquartered in London, England.

CANDIS GmbH, founded in 2015 and headquartered in Berlin, Germany, specializes in developing software that automates financial processes for small and medium-sized enterprises. The company's solutions streamline tasks such as invoice collection, data capture, pre-accounting, and payments by utilizing artificial intelligence. This automation allows businesses and their tax advisors to save time and enhance collaboration within finance teams. With a commitment to advancing its technology, CANDIS serves thousands of clients, reflecting its significant impact on the financial operations of its users.

Finnu is a financial services technology company based out of Barcelona, Spain, giving its users access to affordable asset-backed consumer loans via its mobile app. Finnu leverages machine learning and alternative phone usage data points, as well as mobile device management (MDM) technology to deliver credit to those, who are usually overlooked by other lenders. With Finnu, users can not only fully digitally apply and receive loans via their phones, but use their phones as collaterals to significantly reduce interest rates. Finnu is backed and supported by top-tier venture capital funds from Europe and Latin America.

Primer enables e-commerce merchants and online payments facilitators to consolidate their payments services stack, seamlessly connecting to third party services such as payment service providers (PSPs), fraud providers, chargeback services, subscription billing engines, BI tools, loyalty and rewards platforms. Primer's unified payments integration, checkout experience and workflows functionality allows merchants to quickly add new payment methods, unify fraud mitigation efforts and build sophisticated transaction routing with no code.

Bitpanda GmbH, founded in 2014 and based in Vienna, Austria, operates a cryptocurrency trading platform that serves as a retail broker for buying and selling digital assets. The company aims to simplify the investment process, promoting transparency and accessibility in the financial market. By leveraging blockchain technology and digitized assets, Bitpanda removes traditional financial barriers, allowing users to trade cryptocurrencies with low fees and on a 24/7 basis. The platform emphasizes real-time settlement, empowering individuals to take control of their financial futures.

FinCompare GmbH operates a financing platform for small and medium-sized enterprises where they can overview the financing options available for their company. The company was founded in 2016 and is headquartered in Berlin, Germany.

hi.health offers people with private health insurance convenient and safe access to health care billing via app or web. Users can easily submit their invoices digitally and hi.health takes care of the further processing, billing and customer service providing a seamless user experience. With the integrated “library” users receive a transparent overview of relevant digital health products and services, that are (partially) covered by their insurance. hi.health operates at the intersection of digital health, fintech and insurtech. While each of these rapidly growing markets are already exciting in themselves, their combination in one product is unique. The company was founded by Sebastian Gruber and Fredrik Debong in July 2019. Since hi.health launched in Germany at the end of 2019 several thousand users already use the independent billing app.

Receeve is a digital debt servicing platform headquartered in Hamburg, Germany, focused on enhancing operational efficiency in the financial sector. The platform employs artificial intelligence to provide comprehensive debt servicing solutions, which aim to improve effectiveness and transparency in transactions for businesses, financial institutions, and investment funds. By leveraging advanced technology, Receeve seeks to transform traditional debt management practices, enabling its clients to achieve significant operational gains. The company is committed to assembling a team of dedicated professionals who share a common vision for success within the FinTech industry.

Invesdor is a pioneering fintech platform based in Northern Europe. Invesdor.com helps investors big and small from more than 70 countries find ambitious European growth companies and invest in them easily and securely. Invesdor was founded to eliminate the friction associated with raising funds and make investing in new ventures possible for everyone. Invesdor's clients include private and publicly traded companies from Finland, Sweden, Norway, Denmark and the UK as well as investors from more than 70 countries. Invesdor has offices in Helsinki and Stockholm.

Primer enables e-commerce merchants and online payments facilitators to consolidate their payments services stack, seamlessly connecting to third party services such as payment service providers (PSPs), fraud providers, chargeback services, subscription billing engines, BI tools, loyalty and rewards platforms. Primer's unified payments integration, checkout experience and workflows functionality allows merchants to quickly add new payment methods, unify fraud mitigation efforts and build sophisticated transaction routing with no code.

Bnext is a fintech platform headquartered in Madrid, Spain. Bnext is the first supermarket for financial products, it reflects a new way of banking that challenges traditional banking from its foundations. With Bnext users can do almost everything they do with a bank, without having to use a bank. It allows them to create their own current account in a matter of minutes, with nearly all the functionalities of an account in a traditional entity. Additionally, users can include their external accounts and hence have all their financial information on a single platform, regardless of the provider. However, the real innovation in Bnext lies on its Marketplace. Here, users have access to a wide range of financial products from fintechs and banks. The offering suplliers are meticulously selected in order to best fit the client's needs. On the platform, the user can scan through all different products, purchase them and control his acquisitions, all without ever leaving the app. Instead of charging the customer endless commissions and trying to sell as many products as possible, Bnext has developed a model that allows to really collaborate with the fintechs and get the best available offers on the market. The fintech portfolio to date includes real estate investment firms, mutual fund investment, loans and crowdlending, microloans or crowdfunding. Bnext is progressively integrating the most leading products in the market to expand the offer and thus become the first bank without balance.

FairMoney is a mobile banking platform that provides credit solutions to private and business borrowers by leveraging smartphone data to create instant credit scores. Founded in 2017 and headquartered in Paris, France, the company operates with a team of 45 professionals across Paris and Lagos, Nigeria. FairMoney has successfully disbursed over 350,000 loans, aiming to expand financial access for millions in Africa and South-East Asia. The company is supported by a range of European and American investors, emphasizing its commitment to innovation and growth in the microfinance sector.

Billie GmbH, based in Berlin, Germany, is a fintech startup founded in 2016 that specializes in pre-financing invoices and online factoring services for small and medium-sized enterprises (SMEs). The company aims to improve working capital management through a fully automated invoice financing solution, addressing the order-to-cash challenges faced by SMEs. Billie's platform facilitates expedited B2B invoicing and payments by utilizing big data analytics and digital processes, allowing for instant financing of purchases directly at the online point-of-sale. In addition to its invoice factoring services, Billie offers a pay-after-delivery product to help SMEs secure improved payment terms, enabling them to manage outgoing invoices efficiently without hidden fees or excessive paperwork.

Curve is an innovative banking platform that integrates multiple cards and accounts into a single smart card and accompanying app. This service enhances traditional banking by enabling customers to access their existing bank accounts without the need for topping up. Curve offers various advantages, including fee-free spending abroad, instant notifications, and categorization of expenses. Users can earn 1% cashback at popular retailers such as Amazon and Uber, and the Time Travel feature allows them to switch transactions to a different card within two weeks of the purchase. Furthermore, Curve provides a Customer Protection policy that covers all transactions made via the Curve card, offering protection for disputes and unauthorized use up to £100,000. This added security enhances the customer experience across different card tiers, ensuring a comprehensive safety net beyond standard protections.

EstateGuru is a cross-border marketplace for short- and mid term property loans in Continental Europe.The EG business model with mortgage-backed loans is an interesting way of investing in the real estate-related asset class.

Open develops and offers an online platform for banking and intercompany settlement. It offers digital banking service for startups and small and medium enterprises that offer digital bank accounts that includes a current account packed with tools for bookkeeping, invoices, moving money, and accessing credit. Open's application programming interface platform lets financial institutions integrate banking and payments into their applications and accounting systems. Anish Achuthan founded it in 2017, with its headquarters in Bengaluru in India.

Prime Factor Capital is a crypto asset manager.

Open develops and offers an online platform for banking and intercompany settlement. It offers digital banking service for startups and small and medium enterprises that offer digital bank accounts that includes a current account packed with tools for bookkeeping, invoices, moving money, and accessing credit. Open's application programming interface platform lets financial institutions integrate banking and payments into their applications and accounting systems. Anish Achuthan founded it in 2017, with its headquarters in Bengaluru in India.

TaxScouts is a tax preparation platform that makes tax planning easier. It allows drawing up of personal income tax online by certified accountants and its tax bot helps users to understand their personal income tax situation and suggests ways to reduce their tax bill. Founded by Mart Abramov, Kaupo Kõrv, and Daniel Karger in 2017, TaxScouts is headquartered in London, England.

Tide Platform Limited is a mobile-first banking service based in London, United Kingdom, established in 2015. The company primarily serves small and medium enterprises (SMEs) by providing business current accounts and a range of financial services designed to streamline their operations in an online and mobile environment. Tide aims to save time and money for SMEs by offering not only banking services but also administrative solutions, including seamless integration with accounting systems. With a focus solely on the needs of SMEs, Tide has emerged as a leader in the challenger banking sector within the UK, leveraging advanced technology to deliver user-friendly solutions tailored to the specific requirements of small businesses.

Fraugster is a German-Israeli anti-fraud company established in 2014 that specializes in developing advanced fraud protection solutions using artificial intelligence. The company's technology mimics human analytical processes while leveraging machine scalability to detect and prevent fraudulent activities before they occur. By addressing the limitations of traditional anti-fraud systems, which often rely on outdated technologies and are unable to adapt to emerging fraud patterns in real-time, Fraugster aims to help businesses minimize cyber threats and enhance their revenue. In addition to its core offerings, Fraugster also provides educational resources through Fraugster Academy, which includes courses on coding, forensic profiling, and industry insights from guest speakers. The company is headquartered in Leeds, United Kingdom.

Factris Holding B.V. is a fintech company based in Amsterdam, Netherlands, that focuses on providing working capital solutions for small and medium-sized enterprises (SMEs). Established in 2017, Factris specializes in financing businesses by purchasing their unpaid invoices, thus offering services such as factoring, debt management, debtor insurance, and invoice finance. The company also provides financial automation solutions, enabling businesses to streamline their financial processes while improving cash flow.

CANDIS GmbH, founded in 2015 and headquartered in Berlin, Germany, specializes in developing software that automates financial processes for small and medium-sized enterprises. The company's solutions streamline tasks such as invoice collection, data capture, pre-accounting, and payments by utilizing artificial intelligence. This automation allows businesses and their tax advisors to save time and enhance collaboration within finance teams. With a commitment to advancing its technology, CANDIS serves thousands of clients, reflecting its significant impact on the financial operations of its users.

ForTunes puts comprehensive data analytics at the fingertips of millions of music creators. Serving the new generation of artists, producers & their representatives.

Lemon Way is a white-label B2B platform that offers payment processing, wallet management and third-party payment solutions for joint gifts, crowdfunding, e-commerce, carsharing, mobiles, and marketplaces. With a range of complementary regulation and management services to its name, the company enables its clients to follow real-time back-office operations, carry out documentation, and fight payment fraud. Lemon Way also offers an API that can be integrated into a client’s current payment systems. Lemon Way is a Payment Institution dedicated to E-commerce websites, CrowdFunding platforms, Marketplaces and FinTech companies looking for payment processing, wallet management and third-party payment in a KYC/AML-regulated framework. 1,000 European marketplaces in addition to 11,0000 e-merchants use its service, generating a yearly cash flow of €1.4 Billion in 2017 The #1 French FinTech company: since its launch, Lemon Way has enjoyed positive word-of-mouth between start-ups. The result: 4.4 m customer payment accounts opened in four years and a turnover of €11m in 2017. An independent Financial Institution: Lemon Way has been self-financing its growth since it was created in 2007, making it the only independent player in its market. Lemon Way is approved by the French regulator and is licensed to operate in 30 European countries. The company employs 85 people based in Paris (HQ), London, Barcelona, Berlin, Turin and plans to recruit 40 more people this year.

[credi2] develops and operates solutions for banks, financial service providers and trading companies in order to be able to offer their customers modern payment and financing solutions. [credi2] can rely on a proven technology platform that can handle all processes fully automatically, from the first customer contact to the enforcement of outstanding claims. [credi2] cooperates among others with: Volkswagen Bank, Deutsche Handelsbank, BLSK, Raiffeisen Bank International and Erste Bank. One of the best-known product for end customers is cashpresso, a flexible credit line.

FinCompare GmbH operates a financing platform for small and medium-sized enterprises where they can overview the financing options available for their company. The company was founded in 2016 and is headquartered in Berlin, Germany.

FairMoney is a mobile banking platform that provides credit solutions to private and business borrowers by leveraging smartphone data to create instant credit scores. Founded in 2017 and headquartered in Paris, France, the company operates with a team of 45 professionals across Paris and Lagos, Nigeria. FairMoney has successfully disbursed over 350,000 loans, aiming to expand financial access for millions in Africa and South-East Asia. The company is supported by a range of European and American investors, emphasizing its commitment to innovation and growth in the microfinance sector.

ClauseMatch Limited is a financial technology company based in London that specializes in cloud-based solutions for document management and trading agreements. Founded in 2012, it offers a software-as-a-service platform designed to enhance productivity for compliance, legal, finance, and risk teams. The company's flagship product features a collaborative online editor that streamlines workflows, captures comments and approvals, and maintains a comprehensive audit trail, thereby minimizing human error and providing better oversight for management. ClauseMatch's platform is utilized by global banks for centralized policy management, regulatory change management, and the organization of internal documentation. By improving the efficiency of document handling, ClauseMatch aims to save time and resources while reducing operational risks.

Loot Financial Services Ltd., based in London, provides innovative banking solutions, including current accounts and contactless MasterCard services. Founded in 2014, the company offers a web application that enables users to manage their finances effectively through features such as weekly budgeting data, real-time spending insights, and card management options like pausing and unpausing the card. Additionally, Loot combines a prepaid debit card with a budgeting app, allowing users to track their expenses without the hassle of manual entry. The company is currently focused on regional pilots to validate its business model and is seeking strategic investors for its global expansion.

Billie GmbH, based in Berlin, Germany, is a fintech startup founded in 2016 that specializes in pre-financing invoices and online factoring services for small and medium-sized enterprises (SMEs). The company aims to improve working capital management through a fully automated invoice financing solution, addressing the order-to-cash challenges faced by SMEs. Billie's platform facilitates expedited B2B invoicing and payments by utilizing big data analytics and digital processes, allowing for instant financing of purchases directly at the online point-of-sale. In addition to its invoice factoring services, Billie offers a pay-after-delivery product to help SMEs secure improved payment terms, enabling them to manage outgoing invoices efficiently without hidden fees or excessive paperwork.

Investory is a startup Investor Relations SaaS platform. Enabling data-driven portfolio decision making for VCs and other startup investors. Simplifying investor reporting and enhancing the fundraising process for startups. We aim to revolutionize startup capital markets, leveraging data and artificial intelligence.

Cyberwrite delivers a simple to use financial cyber risk assessment platform to using proprietary AI technology. The company serves large corporates in 4 continents for use cases including cyber insurance, 3rd party risk, and self-assessment of financial cyber risk. Cyberwrite was selected as the most innovative cyber risk modeling firm of 2020 by Frost & Sullivan. Cool Vendor by Gartner in 2018 and additional awards for its innovative technology.

Upvest GmbH, founded in 2017 and based in Vaduz, Liechtenstein, specializes in providing a blockchain application programming interface (API) designed to enhance wallet experiences for end users. The company's technology supports decentralized applications, tokenized platforms, exchanges, and wallet services, enabling them to integrate with major open-source protocols such as Bitcoin, Ethereum, and ERC20, with plans to support additional platforms like Stellar, EOS, and Tezos. Upvest also empowers financial institutions by offering a modular and scalable API that facilitates the inclusion of diverse investment products within their applications. By connecting to leading asset providers and exchanges, Upvest aims to deliver competitive investment options with high execution speed and favorable pricing.

Curve is an innovative banking platform that integrates multiple cards and accounts into a single smart card and accompanying app. This service enhances traditional banking by enabling customers to access their existing bank accounts without the need for topping up. Curve offers various advantages, including fee-free spending abroad, instant notifications, and categorization of expenses. Users can earn 1% cashback at popular retailers such as Amazon and Uber, and the Time Travel feature allows them to switch transactions to a different card within two weeks of the purchase. Furthermore, Curve provides a Customer Protection policy that covers all transactions made via the Curve card, offering protection for disputes and unauthorized use up to £100,000. This added security enhances the customer experience across different card tiers, ensuring a comprehensive safety net beyond standard protections.

ClauseMatch Limited is a financial technology company based in London that specializes in cloud-based solutions for document management and trading agreements. Founded in 2012, it offers a software-as-a-service platform designed to enhance productivity for compliance, legal, finance, and risk teams. The company's flagship product features a collaborative online editor that streamlines workflows, captures comments and approvals, and maintains a comprehensive audit trail, thereby minimizing human error and providing better oversight for management. ClauseMatch's platform is utilized by global banks for centralized policy management, regulatory change management, and the organization of internal documentation. By improving the efficiency of document handling, ClauseMatch aims to save time and resources while reducing operational risks.

FinCompare GmbH operates a financing platform for small and medium-sized enterprises where they can overview the financing options available for their company. The company was founded in 2016 and is headquartered in Berlin, Germany.

[credi2] develops and operates solutions for banks, financial service providers and trading companies in order to be able to offer their customers modern payment and financing solutions. [credi2] can rely on a proven technology platform that can handle all processes fully automatically, from the first customer contact to the enforcement of outstanding claims. [credi2] cooperates among others with: Volkswagen Bank, Deutsche Handelsbank, BLSK, Raiffeisen Bank International and Erste Bank. One of the best-known product for end customers is cashpresso, a flexible credit line.

CANDIS GmbH, founded in 2015 and headquartered in Berlin, Germany, specializes in developing software that automates financial processes for small and medium-sized enterprises. The company's solutions streamline tasks such as invoice collection, data capture, pre-accounting, and payments by utilizing artificial intelligence. This automation allows businesses and their tax advisors to save time and enhance collaboration within finance teams. With a commitment to advancing its technology, CANDIS serves thousands of clients, reflecting its significant impact on the financial operations of its users.

Fraugster is a German-Israeli anti-fraud company established in 2014 that specializes in developing advanced fraud protection solutions using artificial intelligence. The company's technology mimics human analytical processes while leveraging machine scalability to detect and prevent fraudulent activities before they occur. By addressing the limitations of traditional anti-fraud systems, which often rely on outdated technologies and are unable to adapt to emerging fraud patterns in real-time, Fraugster aims to help businesses minimize cyber threats and enhance their revenue. In addition to its core offerings, Fraugster also provides educational resources through Fraugster Academy, which includes courses on coding, forensic profiling, and industry insights from guest speakers. The company is headquartered in Leeds, United Kingdom.

Billie GmbH, based in Berlin, Germany, is a fintech startup founded in 2016 that specializes in pre-financing invoices and online factoring services for small and medium-sized enterprises (SMEs). The company aims to improve working capital management through a fully automated invoice financing solution, addressing the order-to-cash challenges faced by SMEs. Billie's platform facilitates expedited B2B invoicing and payments by utilizing big data analytics and digital processes, allowing for instant financing of purchases directly at the online point-of-sale. In addition to its invoice factoring services, Billie offers a pay-after-delivery product to help SMEs secure improved payment terms, enabling them to manage outgoing invoices efficiently without hidden fees or excessive paperwork.

Telleroo develops a software that allows user to make payments. Users use it in business to make bulk payments. Telleroo allows users to import payment files from accounting or payroll software. It also provides an option to create automated payments. Andrew Cookson, Fabian Flatz, Michael Riedler, and Miguel Castro founded it on June 1, 2016, with its headquarters in London in the United Kingdom.

Loot Financial Services Ltd., based in London, provides innovative banking solutions, including current accounts and contactless MasterCard services. Founded in 2014, the company offers a web application that enables users to manage their finances effectively through features such as weekly budgeting data, real-time spending insights, and card management options like pausing and unpausing the card. Additionally, Loot combines a prepaid debit card with a budgeting app, allowing users to track their expenses without the hassle of manual entry. The company is currently focused on regional pilots to validate its business model and is seeking strategic investors for its global expansion.

wefox is a digital insurance company based in Berlin, Germany, founded in 2015. It aims to enhance safety and minimize risks by transforming the insurance landscape through technology. The company focuses on selling insurance through intermediaries rather than direct channels, leveraging analytics to achieve better loss ratios than the market average. With over 90% straight-through processing, wefox operates a central product factory that enables rapid and cost-effective deployment of product innovations across international markets. The company has established a network of thousands of digitally enabled advisors throughout Europe, which enhances customer satisfaction, reduces customer acquisition costs, and improves cross-selling opportunities while decreasing churn.

Tradico is an online finetrader in Europe. Tradico provides working capital for global trades. Clients get instant feedback on payment terms for themselves or their clients fast, simple, and reliable. Register online without paperwork, drag & drop your trade on their platform, and process transactions with them. They finance the inventory of their clients and pay the invoices of their suppliers immediately. The buyer of the goods gains time to settle the invoice. They are involved in the transaction without any bank and enable benefits for buyer and supplier in a fast way.

Loot Financial Services Ltd., based in London, provides innovative banking solutions, including current accounts and contactless MasterCard services. Founded in 2014, the company offers a web application that enables users to manage their finances effectively through features such as weekly budgeting data, real-time spending insights, and card management options like pausing and unpausing the card. Additionally, Loot combines a prepaid debit card with a budgeting app, allowing users to track their expenses without the hassle of manual entry. The company is currently focused on regional pilots to validate its business model and is seeking strategic investors for its global expansion.

[credi2] develops and operates solutions for banks, financial service providers and trading companies in order to be able to offer their customers modern payment and financing solutions. [credi2] can rely on a proven technology platform that can handle all processes fully automatically, from the first customer contact to the enforcement of outstanding claims. [credi2] cooperates among others with: Volkswagen Bank, Deutsche Handelsbank, BLSK, Raiffeisen Bank International and Erste Bank. One of the best-known product for end customers is cashpresso, a flexible credit line.

Pleo Technologies ApS is a financial technology company that provides prepaid MasterCard virtual and physical cards designed for businesses in Denmark and the United Kingdom. Founded in 2015 by Jeppe Rindom and Niccolo Perra, Pleo aims to simplify business spending through its user-friendly platform, which includes a mobile and web app for tracking expenses and managing users. The company's cards are widely accepted by merchants globally, and they are paired with tools to provide real-time analytics, automate bookkeeping, and generate automatic expense reports, thereby enhancing visibility over company spending. Pleo operates from offices in London and Copenhagen, supporting its mission to revolutionize expense management for modern teams.

Thingthing Ltd. is a 5 years old startup helping users elevate their typing experience on smartphones thanks to the Fleksy keyboard, one of the world's first & most popular virtual keyboards on iOS & Android. The company also serves a countless number of small, medium and large companies worldwide thanks to the powerful Fleksy keyboard SDK, which has grown significantly in the past years.

wefox is a digital insurance company based in Berlin, Germany, founded in 2015. It aims to enhance safety and minimize risks by transforming the insurance landscape through technology. The company focuses on selling insurance through intermediaries rather than direct channels, leveraging analytics to achieve better loss ratios than the market average. With over 90% straight-through processing, wefox operates a central product factory that enables rapid and cost-effective deployment of product innovations across international markets. The company has established a network of thousands of digitally enabled advisors throughout Europe, which enhances customer satisfaction, reduces customer acquisition costs, and improves cross-selling opportunities while decreasing churn.

Investly is a European marketplace that facilitates the financing of short-term invoices, typically ranging from 30 to 180 days. Through this platform, businesses can access competitive pricing from multiple investors, enabling them to manage cash flow more effectively, take on additional customers, and streamline production processes. Investors on the marketplace benefit from high returns by funding these short-duration loans, which are secured against the debtors of businesses across Europe. The financing process is designed to be straightforward and efficient, catering to the needs of both businesses seeking capital and investors looking for attractive investment opportunities.

Curve is an innovative banking platform that integrates multiple cards and accounts into a single smart card and accompanying app. This service enhances traditional banking by enabling customers to access their existing bank accounts without the need for topping up. Curve offers various advantages, including fee-free spending abroad, instant notifications, and categorization of expenses. Users can earn 1% cashback at popular retailers such as Amazon and Uber, and the Time Travel feature allows them to switch transactions to a different card within two weeks of the purchase. Furthermore, Curve provides a Customer Protection policy that covers all transactions made via the Curve card, offering protection for disputes and unauthorized use up to £100,000. This added security enhances the customer experience across different card tiers, ensuring a comprehensive safety net beyond standard protections.

Finnest GmbH operates an online crowdfunding platform that connects established small and medium-sized enterprises (SMEs) with investors seeking alternative access to the capital market. Founded in 2014 and based in Vienna, Austria, the company offers a unique blend of corporate financing and crowd-investing through a reverse blind auction process. This innovative approach allows investors to propose investment offers and set their own annual interest rates. At the conclusion of the book-building phase, companies can select the most appealing offers with a single click. Finnest GmbH operates as a subsidiary of Invesdor Oy, enhancing its capabilities in facilitating private placements for financially sound enterprises. The company was co-founded by ex-banker Günther Lindenlaub and ex-eBay manager Joerg Bartussek.

wikifolio Financial Technologies AG operates a social trading portal that allows users to create and manage portfolios known as "wikifolios." Founded in 2012 and based in Vienna, Austria, the platform enables traders to transform their investment strategies into exchange-traded financial products, which are listed on major European exchanges. Users have access to a diverse range of over 100,000 investment options, including stocks, funds, and structured products. Investors can easily invest in various trading strategies by purchasing wikifolio certificates through their preferred brokerage accounts. The platform emphasizes transparency by providing real-time trade data, key performance metrics, and trader commentary. By promoting a fair fee model, wikifolio aims to democratize financial investments and set new standards in the industry.

Holvi Payment Services Oy is a digital banking provider headquartered in Helsinki, Finland, specializing in solutions for entrepreneurs and small to medium-sized enterprises. Founded in 2011, Holvi offers a comprehensive suite of services including an online sales platform, invoicing system, cash flow tracker, digital current account, and automated bookkeeping, all designed to streamline financial management. The company combines these features with the Holvi Business MasterCard, enabling businesses to manage sales, expenses, and financial reporting in a unified platform. As a licensed Payment Institution authorized by the Financial Supervisory Authority of Finland, Holvi operates throughout the European Union, focusing on simplifying the financial administration for micro businesses and startups. Since 2016, Holvi has been a subsidiary of Banco Bilbao Vizcaya Argentaria, S.A.

wikifolio Financial Technologies AG operates a social trading portal that allows users to create and manage portfolios known as "wikifolios." Founded in 2012 and based in Vienna, Austria, the platform enables traders to transform their investment strategies into exchange-traded financial products, which are listed on major European exchanges. Users have access to a diverse range of over 100,000 investment options, including stocks, funds, and structured products. Investors can easily invest in various trading strategies by purchasing wikifolio certificates through their preferred brokerage accounts. The platform emphasizes transparency by providing real-time trade data, key performance metrics, and trader commentary. By promoting a fair fee model, wikifolio aims to democratize financial investments and set new standards in the industry.