Fabrick

Volume is a developer of a one-click checkout platform that aims to enhance the customer payment experience. The platform utilizes biometric authentication to verify transactions and identifies the customer's preferred bank, facilitating a seamless payment process. By enabling instant account-to-account payments, Volume helps businesses improve their conversion rates and increase revenue while reducing transaction fees. The company is committed to creating a financially sustainable network that benefits all stakeholders involved.

finAPI GmbH is a prominent open banking provider based in Munich, Germany, specializing in data integration and analysis solutions powered by artificial intelligence. Founded in 2008, the company offers software and services that facilitate account information and payment initiation, licensed by BaFin. finAPI focuses on key areas such as Open Banking, Data Intelligence, Know Your Customer (KYC), and Payments. With a diverse clientele of over 300 organizations, including banks, financial service providers, fintechs, insurance companies, and software developers, finAPI aims to enhance digital financial services and streamline automated processes. The company operates as a subsidiary of SCHUFA Holding AG since 2018.

Banxware is a fintech startup based in Berlin, founded in 2020 by Miriam Wohlfarth, Jens Röhrborn, and Fabian Heiß. The company specializes in embedded lending solutions designed for platform-based businesses, including fintechs and banks. Its lending-as-a-service platform allows digital marketplaces, payment providers, and other aggregators to offer white-label financial products, particularly loans, to their merchants. By integrating essential financial infrastructure directly into various platforms, Banxware enables small and medium-sized enterprises, e-commerce sellers, and restaurant owners to access necessary liquidity. The platform features robust capabilities such as customer onboarding, credit scoring, risk management, and loan origination, thereby promoting growth and enhancing customer convenience. With a dedicated team of over 50 employees, Banxware aims to streamline financing solutions across Europe, adapting to the needs of a rapidly evolving digital economy.

Judopay is a leading provider of mobile-first payment solutions, designed to eliminate friction in the checkout process and enhance the customer experience. The company developed a flexible platform that facilitates seamless transactions, allowing businesses to accept payments effortlessly. Partnering with well-known brands across various sectors, including retail, food and beverage, finance, and mobility, Judopay offers features such as conversion-driving checkouts and customizable payment flows. This enables its clients to reduce fraud and optimize conversion rates, ultimately driving sales and improving operational efficiency.

Viceversa is a financing service focused on providing European digital businesses with access to non-dilutive and guarantee-free capital options. The company enables sustainable and ethical growth by offering equity-free investments alongside data-driven insights. Through its internally designed analytics platform, Viceversa connects directly to clients' accounts to gather necessary data for informed investment management and decision-making. This approach empowers businesses to understand their operations better and access funding based on transparency and technology. Clients can receive funding offers within three days, allowing them to grow at their own pace while benefiting from investment guidance tailored to their needs.

FinDynamic is a fintech company that specializes in providing financial solutions for supply chain management. Its services include dynamic discounting programs, confirmation, and reverse factoring, aimed at improving working capital for corporate clients. The company offers a web-based and mobile platform that enables both buyers and suppliers to automatically view invoices and select approved ones for early payment. This integration occurs at the management system level for buyers and at the portfolio management system level for banking institutions, facilitating efficient financial transactions within the supply chain.

Faire.ai is a fintech company based in Milan, Italy, founded in 2020. It specializes in developing a credit platform that leverages artificial intelligence and open banking to enhance access to consumer credit. The company offers a range of digital solutions, including a retail mobile app called Cream, which facilitates microcredit, refinancing, and payment deferrals. Faire.ai provides services such as retail credit score management, a loans management system, and cash flow simulation tools. By employing machine learning to analyze customers' financial behavior, Faire.ai aims to simplify the lending process and improve financial outcomes for consumers while supporting partner banks and financial institutions in delivering instant loans.

Pinv is a financial management platform designed to automate the collection and analysis of banking and accounting data for small and medium-sized enterprises. The platform enables users to monitor cash inflows and outflows in real-time, facilitating effective management of receipts and payments. By connecting various bank accounts and integrating customer billing information, Pinv allows businesses to anticipate cash flow deficiencies and identify appropriate financing options. Additionally, the platform enables users to request loans directly, enhancing their financial agility and planning capabilities.

Viceversa is a financing service focused on providing European digital businesses with access to non-dilutive and guarantee-free capital options. The company enables sustainable and ethical growth by offering equity-free investments alongside data-driven insights. Through its internally designed analytics platform, Viceversa connects directly to clients' accounts to gather necessary data for informed investment management and decision-making. This approach empowers businesses to understand their operations better and access funding based on transparency and technology. Clients can receive funding offers within three days, allowing them to grow at their own pace while benefiting from investment guidance tailored to their needs.

Penta Fintech Ltd. is a digital banking platform based in Berlin, Germany, that caters to startups and small to medium-sized enterprises (SMEs). Founded in 2016, Penta offers a streamlined approach to banking by automating bank accounts and invoices, which helps businesses save time and money. The platform enables users to open online banking accounts quickly and manage their cash flows efficiently through cashless banking services. Penta aims to disrupt traditional business banking in Europe and beyond by providing innovative solutions tailored to the needs of self-employed individuals, freelancers, startups, and SMEs.

Conio Inc. is a digital asset custody and management provider based in San Francisco, California, founded in 2015. The company specializes in developing innovative bitcoin and blockchain products and technologies tailored for financial institutions, banks, and insurance companies. Conio offers integrated solutions for managing digital assets, including cryptocurrency wallets, compliance, and blockchain protocol integration for payment services. Its platform provides a comprehensive suite of services, such as custody, exchange, and tokenization, empowering clients to engage in the digital asset market with high safety and compliance standards. Notably, Conio launched Italy's first Bitcoin MultiSig Wallet App and has successfully integrated its technology within banking infrastructures, positioning itself as a reliable partner for financial institutions and enterprises looking to navigate the evolving landscape of digital assets.

Vidra is a comprehensive digital commerce platform designed for small retailers and manufacturers, enabling them to establish and manage their online shops effortlessly. The platform facilitates the creation of online stores and supports sales across various channels, including marketplaces, social networks, and physical point-of-sale locations. It offers an integrated payment system, eliminating the need for separate contracts with payment gateways, and provides efficient shipment management with access to competitive courier rates. Additionally, Vidra features tools for stock management, shipment tracking, SEO optimization, traffic analysis, and live customer communication through platforms like Facebook Messenger. By streamlining these processes, Vidra empowers local traders and entrepreneurs to efficiently manage their business operations.

Penta Fintech Ltd. is a digital banking platform based in Berlin, Germany, that caters to startups and small to medium-sized enterprises (SMEs). Founded in 2016, Penta offers a streamlined approach to banking by automating bank accounts and invoices, which helps businesses save time and money. The platform enables users to open online banking accounts quickly and manage their cash flows efficiently through cashless banking services. Penta aims to disrupt traditional business banking in Europe and beyond by providing innovative solutions tailored to the needs of self-employed individuals, freelancers, startups, and SMEs.

Vidra is a comprehensive digital commerce platform designed for small retailers and manufacturers, enabling them to establish and manage their online shops effortlessly. The platform facilitates the creation of online stores and supports sales across various channels, including marketplaces, social networks, and physical point-of-sale locations. It offers an integrated payment system, eliminating the need for separate contracts with payment gateways, and provides efficient shipment management with access to competitive courier rates. Additionally, Vidra features tools for stock management, shipment tracking, SEO optimization, traffic analysis, and live customer communication through platforms like Facebook Messenger. By streamlining these processes, Vidra empowers local traders and entrepreneurs to efficiently manage their business operations.

They know that it takes a lot to be self-employed and be fully responsible for your own future. With all the trouble on your mind to build your business, it seems like having a second job when you need to deal with the Italian bureaucracy. That's why they created Beesy - an easy way to manage your finances in one place. With banking, invoicing and digital accounting in a single tool, they aim to reduce the unnecessary complexity of running a business in today's world. With Beesy, they'd like you to be able to feel at ease when it comes to your finances so that you can focus your energy on what really matters.

Vipera is a provider of mobile financial services and customer engagement solutions, catering to banks and retailers globally. The company specializes in software that facilitates mobile access to personal financial services, including mobile banking, payments, and card management. Its proprietary platform, Motif, offers secure management of interactions between users and enterprise systems. Additionally, Vipera provides services for small and medium-sized enterprises (SMEs), such as expense management, invoice factoring, and banking solutions. The company also focuses on enhancing customer engagement through analytics, loyalty programs, and proximity marketing. With a team of 85 professionals operating from multiple international offices, Vipera aims to create innovative digital financial solutions that effectively engage customers and streamline banking processes. Founded in 2005 and headquartered in London, Vipera operates as a subsidiary of Sella Open Fintech Platform S.P.A.

Conio Inc. is a digital asset custody and management provider based in San Francisco, California, founded in 2015. The company specializes in developing innovative bitcoin and blockchain products and technologies tailored for financial institutions, banks, and insurance companies. Conio offers integrated solutions for managing digital assets, including cryptocurrency wallets, compliance, and blockchain protocol integration for payment services. Its platform provides a comprehensive suite of services, such as custody, exchange, and tokenization, empowering clients to engage in the digital asset market with high safety and compliance standards. Notably, Conio launched Italy's first Bitcoin MultiSig Wallet App and has successfully integrated its technology within banking infrastructures, positioning itself as a reliable partner for financial institutions and enterprises looking to navigate the evolving landscape of digital assets.

MyPass is a fintech company that provides technology solutions for checkout and payment.