Life.SREDA VC

Ayannah is a prominent provider of digital financial services aimed at the emerging middle class, particularly focusing on migrants and unbanked individuals. The company offers affordable and accessible digital commerce and payment solutions to promote financial inclusion and literacy among underserved populations. By empowering unbanked migrants, Ayannah enables them to manage their remittances more effectively, allowing for better support to their beneficiaries in their home countries. The company's innovative platform encompasses a range of services, including payments, commerce, and analytics, primarily delivered through social and mobile channels. With millions of online and mobile transactions facilitated, Ayannah is supported by a skilled team of experienced professionals and emerging talent in web and mobile application development. The company enjoys a growing and loyal customer base worldwide, contributing to stable and recurring revenue streams.

SoftPay Mobile International is a prominent provider of Mobile Point of Sale (mPOS) solutions and payment facilitation services in Southeast Asia. The company specializes in developing a secure mPOS platform that allows businesses and individuals to accept a variety of card payments, including credit, debit, and loyalty cards, from virtually any location. SoftPay Mobile focuses on the design and integration of its core payment platform with the systems of acquiring banks, ensuring seamless transaction processing. The mPOS solution is designed to meet strict security standards, providing both merchants and customers with confidence during payment transactions.

Lenddo International operates an online platform that enables users to leverage their social connections to build creditworthiness and access financial services in emerging markets. By utilizing reputation data from social networks such as Facebook and LinkedIn, Lenddo helps individuals secure loans for purposes such as education, debt consolidation, and small business ventures. Founded in 2011, the company primarily serves customers in Colombia and the Philippines, with its headquarters in Central, Hong Kong, and additional offices in Manila, Bogotá, and New York City. As of October 2017, Lenddo International is a subsidiary of EFL Global LTD.

Skayle is a technology company focused on transforming the restaurant industry through innovative, cloud-based digital marketing and customer engagement solutions. It has developed a comprehensive platform that facilitates real-time access to the entire restaurant ecosystem, enabling restaurants and enterprises to manage their operations efficiently. Skayle offers a suite of services including marketing campaigns, customer feedback management, social engagement, reservations, and mobile dashboards. The company serves a diverse clientele, from standalone restaurants to large enterprise brands and mid-sized chains. Founded in 2011 and headquartered in Singapore, Skayle operates in multiple countries, including India, the Philippines, the UAE, the United Kingdom, and Malaysia, and has engaged over 25.3 million diners across its platform.

Fastacash provides a global social payments platform that enables users to transfer various forms of value, such as money and airtime, alongside digital content like photos and messages through social networks and messaging applications. The company has developed a patent-pending link generation technology that facilitates secure value transfers via a single point of integration using APIs and SDKs. This innovative platform allows individuals to conduct cost-effective transactions both domestically and internationally while ensuring a secure environment for their payments and shared content.

Scorista - a unique online service for assessing the borrower. With their analytical system to perform detailed and qualitative assessment of the solvency of the borrower for one minute without any extra costs for you and install additional software. You get a definite answer to "give" loan or "deny", stating the reasons. They guarantee theirexpertise. If the result does not suit you, you can not pay.

With Settle, you can pre-order lunch at restaurants, so that your food is ready when you arrive. You dine 60% faster, as you skip waiting for your table, food and check. Settle makes lunch your best time of the day by giving you delicious meals and more time for a real break. For restaurants: 100% prepaid orders and tables, 60% faster turnarounds, new sales online, more effective upselling and more targeted marketing. We focus on popular restaurants in busy areas with breakfast and lunch menu. We offer companies and teams group lunch pre-ordering at restaurants near their offices. In addition to mobile pre-ordering, restaurants can offer specials and happy hours during off-peak time. In Ukraine, we currently take 15-20% commission from restaurants. In the USA, the service will be launched free for restaurants and users. Then we'll try out this model: a small commission on every pre-order for restaurants during off-peak hours and a small fee for users during peak hours.

RocketBank LLC is a Moscow-based company that develops mobile applications to provide banking services, catering primarily to smartphone users. Founded in 2012, RocketBank offers a range of services including free card loading, cash withdrawals at any ATM worldwide, money transfers, expenditure analysis, a discount guide, and an air miles program. The company focuses on modernizing traditional financial services to enhance user experience. As of May 2016, RocketBank operates as a subsidiary of Otkritie Bank Joint Stock Company and currently serves customers exclusively in Russia.

Scorista - a unique online service for assessing the borrower. With their analytical system to perform detailed and qualitative assessment of the solvency of the borrower for one minute without any extra costs for you and install additional software. You get a definite answer to "give" loan or "deny", stating the reasons. They guarantee theirexpertise. If the result does not suit you, you can not pay.

SumUp is a financial technology company focused on facilitating mobile payments for businesses. It offers a mobile point-of-sale (mPOS) solution that allows businesses to accept card payments easily, securely, and affordably. The company's unique end-to-end EMV card acceptance solution is built on proprietary hardware and mobile applications, enabling it to operate in 16 markets, including the United States, Brazil, and Germany. SumUp's card readers support various payment methods, including magstripe, chip, and contactless transactions, making them suitable for small and medium-sized enterprises. Additionally, the company provides a comprehensive suite of software development kits (SDKs) and application programming interfaces (APIs) for third-party integrations. In 2016, SumUp merged with payleven, enhancing its position as a leader in the mobile payment sector. The company has gained support from notable investors such as American Express and BBVA Ventures.

Advice Wallet, Inc., operating as Settle, is a mobile loyalty program provider based in Kyiv, Ukraine, with additional offices in San Francisco and Moscow. Founded in 2012, the company develops applications for iPhone and Android that facilitate customer engagement for individuals and businesses in Ukraine, the Russian Federation, and Moldova. The application allows users to log in via Facebook, discover their favorite local spots, earn points by scanning QR codes, recommend businesses, and redeem points for rewards. For businesses, Advice Wallet offers tools to foster customer relationships through tailored loyalty programs, real-time analytics on customer interactions and feedback, and push notifications for promotions. The platform not only aims to drive sales but also enhances customer retention and engagement by connecting users with their social networks in a rewarding manner.

MyWishBoard, established in 2012 and based in Moscow, Russia, is a crowdfunding and visual savings platform designed to help users achieve personal and shared dreams and goals. The platform allows individuals to create a personalized wish list, enabling them to collect desired products and receive funding from friends and family. Users can utilize MyWishBoard to facilitate their aspirations in various areas, including education, travel, and shopping. By providing a structured way to gather support for their goals, MyWishBoard fosters a community-driven approach to fulfilling personal dreams.

Fidor Solutions AG develops software products and offers digital services for digital banking. The company designs and develops fidorOS, a modular banking, payment, and community software program that provide optimal support to digital customer groups. Fidor Solutions AG was formerly known as Fidor AG in February 2017. The company was founded in 2007 and is based in Munich, Germany. As of December 31, 2020, Fidor Solutions AG operates as a subsidiary of Sopra Banking Software SA.

Moven is a financial technology company founded in 2011 and headquartered in New York, United States. It specializes in providing a mobile money-management application designed to modernize banking for the digital age. Moven's platform allows banks and non-bank partners to enhance their customer acquisition, engagement, and retention strategies. Through its app, debit card, and contactless payment sticker, Moven delivers real-time spending insights that encourage users to make more informed financial decisions and save effectively. The company offers a range of data-driven services and patented digital financial wellness tools that transform user engagement into actionable insights, ultimately aiming to improve customers' overall financial health.

Simple is a web and mobile application that consolidates various banking accounts into a single, user-friendly bank card. It offers built-in budgeting and saving tools, focusing on enhancing financial management for its users. Instead of generating revenue through traditional fees, Simple shares the net interest margin with its partner banks, which fosters a transparent and straightforward banking experience without the pressure of upselling complex products. Since its launch in January 2009 by Alex Payne, Shamir Karkal, and Josh Reich, Simple has grown to serve over 100,000 customers, processing $1.7 billion in annual transactions and achieving remarkable customer growth of 330%. The company is headquartered in Portland, Oregon.

This is mobile applications constructor that allows every one without any special skills create his own mobile application via web-site or Builder for iPhone or Android. Afterwards you can download the application created from relevant “market”, watch its html5 version or use via Apps Viewer. Easy, intuitive and above all – absolutely free!

Instabank is a mobile banking provider based in Moscow, Russia, founded in 2013. The company offers a banking platform that allows users to conduct a wide range of banking operations through a mobile application, utilizing a mobile-first approach. Users can register using their Facebook accounts and create personalized cards featuring their images. The app facilitates various transactions, including money deposits, transfers, and ATM withdrawals, while also providing bank statement notifications and expense tracking. Instabank emphasizes usability and security, ensuring that transactions are encrypted and easily accessible. Additionally, users can transfer funds by simply using Facebook names or geolocation, enhancing convenience and integration with social services.

LifePay is the mobile solution for payment acceptance market. Company provides admission of the credit card payments on smartphones with full guarantee transaction security. LifePay offers a simple, convenient and modern way to receive credit card payments anywhere you have the Internet access. With the help of a special Life Pay cardreader, connected to a smartphone (based on Android or iOS) with the installed mobile app, you or your employee will be able to accept cards for payment at any convenient location. Now there is no need for compulsory purchase of expensive and bulky POS-terminals, our reader is free. There is a convenient statistic system with information for each payment or refund in the developed LifePay solution, which has been certified by Visa and Mastercard.

Thinktwice operates a social networking platform tailored for traders and investors seeking investment advice. This platform facilitates connections among users, allowing them to read blogs authored by successful private investors. The content available on Thinktwice encompasses a wide range of investment topics, including traditional financial instruments such as deposits, stocks, bonds, and mutual funds, as well as non-financial investments like real estate in Russia and abroad, art, and wine. Through this platform, users can access diverse insights and ideas, enhancing their investment decision-making process.

SmartMarket is an innovative traffic management solution that uses experimental economics and game theory algorithms across various types of wireless cellular, satellite and other networks SmartMarket.net is the first Russian crowdinvesting platform that enables users to raise funds for their ideas and invest to different projects.