finleap

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.

Qwist is an independent Open Banking platform provider based in Europe, focused on transforming the financial services landscape. The company offers a digital financial platform designed to address the challenges of the fragmented open banking ecosystem. With a secure cloud infrastructure, Qwist supports partners across various growth stages by leveraging data analytics and machine learning tools. This enables clients to enhance customer engagement while minimizing the costs and complexities associated with integrating financial services. By providing insights into customer transactions and interactions, Qwist empowers businesses across multiple industries to deliver innovative financial solutions.

ELEMENT Insurance AG, founded in March 2017 and based in Berlin, Germany, specializes in digital insurance services and InsurTech innovations. The company operates as a licensed direct insurer for non-life insurance, authorized by the German Federal Financial Supervisory Authority to function as a risk carrier across 28 European countries. ELEMENT provides a unique technology platform known as "Insurance as a Platform," which supports a B2B2X value chain. It collaborates with various partners, ranging from e-commerce businesses to established insurance firms, to develop customized white-label insurance products quickly. By enabling its partners to market these innovative products under their own brands, ELEMENT addresses the complexities of the insurance value chain, including actuarial calculations, underwriting, policy administration, customer service, and claims management.

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.

Elinvar GmbH is a Berlin-based company that specializes in developing an integrated wealth technology platform tailored for independent discretionary portfolio managers and private banks. Founded in 2016, Elinvar provides a B2B2C solution that facilitates the digital transformation of asset and wealth managers by offering a comprehensive Platform as a Service. This platform includes essential applications for client relationship management, online onboarding, portfolio management, and reporting, among other services. By employing a micro-services architecture, Elinvar ensures flexibility in adapting to technological advancements and regulatory changes. The company also holds all necessary licenses from BaFin, allowing its partners to leverage leading technology within a compliant framework. This holistic approach enables partners to streamline their operations and deliver customized digital offerings that enhance client engagement and satisfaction.

OWWN is a banking app that provides a one-stop shop for young adults to manage their finances. It allows customers to maintain an account with a Visa debit card and make mobile payments, just like a typical bank, but they can also apply for a student loan from Kfw Bank. At the same time, they can create shared savings pools, anonymously compare their budgets with friends, and participate in challenges. Users can use Owwn alone or collectively.

DeineStudienfinanzierung is a digital platform dedicated to helping students finance their education. It offers a financial advisory application that assists users in managing their personal finances effectively. The platform integrates banking and educational resources, utilizing an intelligent algorithm to analyze individual financial situations and goals. This analysis allows it to provide tailored recommendations for consumer products from banks, insurers, and fintech companies. By offering extensive banking services and specialized student financing options, DeineStudienfinanzierung aims to empower students with personalized investment advice, fostering their financial independence.

ELEMENT Insurance AG, founded in March 2017 and based in Berlin, Germany, specializes in digital insurance services and InsurTech innovations. The company operates as a licensed direct insurer for non-life insurance, authorized by the German Federal Financial Supervisory Authority to function as a risk carrier across 28 European countries. ELEMENT provides a unique technology platform known as "Insurance as a Platform," which supports a B2B2X value chain. It collaborates with various partners, ranging from e-commerce businesses to established insurance firms, to develop customized white-label insurance products quickly. By enabling its partners to market these innovative products under their own brands, ELEMENT addresses the complexities of the insurance value chain, including actuarial calculations, underwriting, policy administration, customer service, and claims management.

Deutsche Fintech Solutions (DFS) is a joint venture between Deutsche Vermögensberatung AG (DVAG) and finleap, dedicated to advancing financial consulting through intelligent digital services. The company develops a financial advisory platform designed to enhance the advisory process for complex financial products. By leveraging technology, DFS aims to deliver simple, transparent, and competent solutions that support financial consultants and their clients in growing and protecting their wealth. The platform emphasizes creating digital experiences that facilitate expert financial advice, ensuring that customers receive the best possible solutions for their financial needs.

myEGO is a digital identity management platform that utilizes blockchain technology to enable self-sovereign identity (SSI) management. The platform allows users to securely digitize, verify, and organize their confidential data, such as identity and credit cards, in a private and accessible space. By facilitating the sharing of verified data assets with affiliated service partners, myEGO empowers users to maintain control over their personal information and decide how and with whom to share it. The platform's innovative approach also addresses data silos by linking user data across various ecosystems and services, thereby enhancing user experience and privacy. Overall, myEGO positions digital identity as a comprehensive solution beyond traditional eID or KYC processes.

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.

Joonko is a financial platform focused on providing users with financial peace of mind through fairness, transparency, and simplicity. The company developed an intermediary service that allows consumers to compare car insurance options from leading insurers, helping them select the best coverage for their needs. Launched just five months after the company's inception, this car insurance comparison tool is the first of several products that Joonko plans to introduce, aiming to expand into additional banking and insurance offerings in the future. By enabling users to easily switch and obtain the right financial products, Joonko addresses personal saving and protection needs effectively.

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.

Elinvar GmbH is a Berlin-based company that specializes in developing an integrated wealth technology platform tailored for independent discretionary portfolio managers and private banks. Founded in 2016, Elinvar provides a B2B2C solution that facilitates the digital transformation of asset and wealth managers by offering a comprehensive Platform as a Service. This platform includes essential applications for client relationship management, online onboarding, portfolio management, and reporting, among other services. By employing a micro-services architecture, Elinvar ensures flexibility in adapting to technological advancements and regulatory changes. The company also holds all necessary licenses from BaFin, allowing its partners to leverage leading technology within a compliant framework. This holistic approach enables partners to streamline their operations and deliver customized digital offerings that enhance client engagement and satisfaction.

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.

Deutsche Fintech Solutions (DFS) is a joint venture between Deutsche Vermögensberatung AG (DVAG) and finleap, dedicated to advancing financial consulting through intelligent digital services. The company develops a financial advisory platform designed to enhance the advisory process for complex financial products. By leveraging technology, DFS aims to deliver simple, transparent, and competent solutions that support financial consultants and their clients in growing and protecting their wealth. The platform emphasizes creating digital experiences that facilitate expert financial advice, ensuring that customers receive the best possible solutions for their financial needs.

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.

Deutsche Fintech Solutions (DFS) is a joint venture between Deutsche Vermögensberatung AG (DVAG) and finleap, dedicated to advancing financial consulting through intelligent digital services. The company develops a financial advisory platform designed to enhance the advisory process for complex financial products. By leveraging technology, DFS aims to deliver simple, transparent, and competent solutions that support financial consultants and their clients in growing and protecting their wealth. The platform emphasizes creating digital experiences that facilitate expert financial advice, ensuring that customers receive the best possible solutions for their financial needs.

Infinitec Solutions is a software-as-a-service provider that specializes in delivering white-label solutions aimed at enhancing financial management for small and medium-sized enterprises (SMEs). The company offers a finance innovation platform that automates financial planning, allowing users to swiftly launch digital finance services. This platform provides real-time financial insights, analyzes cash flows, and simplifies the process of opening bank accounts. By enabling banks and financial services companies to digitalize their corporate banking operations, Infinitec facilitates a more efficient and user-friendly experience for its partners and their SME clients.

PAIR Finance GmbH, founded in 2016 and based in Berlin, Germany, specializes in digital debt collection services, primarily serving various industries including telecommunications, financial services, e-commerce, and energy. The company leverages artificial intelligence, behavioral analytics, and data science to transform receivables management into a sustainable and customer-focused process. With a platform designed for efficient claims management, PAIR Finance enables businesses to communicate digitally with defaulting customers, facilitating quicker settlement of open debts. The firm has established partnerships with over 600 companies and employs more than 250 professionals, positioning itself as a leader in AI-based debt collection in Europe. PAIR Finance is backed by notable private equity investor Pollen Street and aims to enhance risk management for its clients while driving revenue growth.

Perseus provides a comprehensive but simple Cyber Security-as-a-Service solution to SMEs for their cyber security and GDPR compliance that includes assessment, continuous risk management, human and AI-based prevention, incident management and insurance. Its system, starting with an AI-based security scoring model that continuously calculates and updates risk scores, automatically suggests measures to prevent breaches and adjusts risk scores based on the security technology used.

ELEMENT Insurance AG, founded in March 2017 and based in Berlin, Germany, specializes in digital insurance services and InsurTech innovations. The company operates as a licensed direct insurer for non-life insurance, authorized by the German Federal Financial Supervisory Authority to function as a risk carrier across 28 European countries. ELEMENT provides a unique technology platform known as "Insurance as a Platform," which supports a B2B2X value chain. It collaborates with various partners, ranging from e-commerce businesses to established insurance firms, to develop customized white-label insurance products quickly. By enabling its partners to market these innovative products under their own brands, ELEMENT addresses the complexities of the insurance value chain, including actuarial calculations, underwriting, policy administration, customer service, and claims management.

Solarisbank operates as a Banking-as-a-Service platform, holding a full German banking license and specializing in embedded finance. The company enables businesses to seamlessly integrate a range of financial services, including digital bank accounts, payment cards, consumer and SME lending, and identification services, through a suite of APIs. By leveraging blockchain technology, Solarisbank allows companies to customize their banking solutions, facilitating cashless payments and enhancing customer engagement. With a significant investment backing from notable shareholders, Solarisbank is committed to increasing accessibility and efficiency in the financial sector, driving innovation to empower businesses with comprehensive digital financial solutions.

Vane is a technology-enabled finance provider focused on supporting digital media companies worldwide. Founded in 2015 and headquartered in Berlin, with additional offices in London and New York, Vane operates through its financial technology platform, BillFront. This platform facilitates quick access to non-dilutive funding by integrating seamlessly with clients' invoicing systems, allowing them to unlock working capital. Vane offers various financing options, including receivables finance, revenue-based finance, and custom credit solutions, enabling clients across sectors such as advertising technology, app development, e-commerce, and online publishing to secure funding ranging from €50,000 to several million euros monthly. The company is led by Greg Dimitriou, who has a background in media mergers and acquisitions.

PAIR Finance GmbH, founded in 2016 and based in Berlin, Germany, specializes in digital debt collection services, primarily serving various industries including telecommunications, financial services, e-commerce, and energy. The company leverages artificial intelligence, behavioral analytics, and data science to transform receivables management into a sustainable and customer-focused process. With a platform designed for efficient claims management, PAIR Finance enables businesses to communicate digitally with defaulting customers, facilitating quicker settlement of open debts. The firm has established partnerships with over 600 companies and employs more than 250 professionals, positioning itself as a leader in AI-based debt collection in Europe. PAIR Finance is backed by notable private equity investor Pollen Street and aims to enhance risk management for its clients while driving revenue growth.

Elinvar GmbH is a Berlin-based company that specializes in developing an integrated wealth technology platform tailored for independent discretionary portfolio managers and private banks. Founded in 2016, Elinvar provides a B2B2C solution that facilitates the digital transformation of asset and wealth managers by offering a comprehensive Platform as a Service. This platform includes essential applications for client relationship management, online onboarding, portfolio management, and reporting, among other services. By employing a micro-services architecture, Elinvar ensures flexibility in adapting to technological advancements and regulatory changes. The company also holds all necessary licenses from BaFin, allowing its partners to leverage leading technology within a compliant framework. This holistic approach enables partners to streamline their operations and deliver customized digital offerings that enhance client engagement and satisfaction.

Clark is a Berlin-based insurance platform founded in June 2015 by Dr. Christopher Oster and Steffen Glomb. The company aims to simplify and enhance transparency in insurance coverage by leveraging technology and industry expertise. Through its digital platform, accessible via iOS and Android applications or a website, Clark assesses users' insurance statuses and provides tailored advice. It analyzes customers' insurance situations and identifies optimization opportunities by comparing tariffs from various insurance providers. This approach enables users to manage their insurance needs more effectively, ensuring they receive comprehensive coverage at competitive prices while promoting a customer-centric experience. Clark is supported by the FinTech incubator FinLeap and the Institute for Transparency.

Zinsbaustein GmbH is a Berlin-based company that operates a digital platform designed for real estate investments. The platform enables small investors to access opportunities within the German real estate market, providing a streamlined way for individuals to participate in property investments. By leveraging technology, Zinsbaustein facilitates the investment process, making it more accessible for a broader audience interested in real estate.

Valendo is a pawnshop that provides their residential and commercial customers with asset-based mortgage loans. Valendo provides Sachwert loans, Depot loans, and Sales loans. It accepts watches, jewelry, precious metals, art, handbags, and more as tangible assets. It also enables its customers to inquire online and offers transportation services for their requests of money. Valendo was founded by Andreas von Buttlar and Lars Bresan in 2015. And it is headquartered in Berlin, Germany.

Based in Berlin, Germany, Savedo is a European online marketplace for retail investment products that ensures safely deposited savings and better interest rates across the European Union. The platform supports the involved banks by handling their customer services and providing standardized account documents. Savedo enables its clients to easily invest across Europe without having to travel to the respective European country. Launched in 2014, Savedo’s team is comprised of experienced international finance specialists and online professionals.

Solarisbank operates as a Banking-as-a-Service platform, holding a full German banking license and specializing in embedded finance. The company enables businesses to seamlessly integrate a range of financial services, including digital bank accounts, payment cards, consumer and SME lending, and identification services, through a suite of APIs. By leveraging blockchain technology, Solarisbank allows companies to customize their banking solutions, facilitating cashless payments and enhancing customer engagement. With a significant investment backing from notable shareholders, Solarisbank is committed to increasing accessibility and efficiency in the financial sector, driving innovation to empower businesses with comprehensive digital financial solutions.

Clark is a Berlin-based insurance platform founded in June 2015 by Dr. Christopher Oster and Steffen Glomb. The company aims to simplify and enhance transparency in insurance coverage by leveraging technology and industry expertise. Through its digital platform, accessible via iOS and Android applications or a website, Clark assesses users' insurance statuses and provides tailored advice. It analyzes customers' insurance situations and identifies optimization opportunities by comparing tariffs from various insurance providers. This approach enables users to manage their insurance needs more effectively, ensuring they receive comprehensive coverage at competitive prices while promoting a customer-centric experience. Clark is supported by the FinTech incubator FinLeap and the Institute for Transparency.

Finreach Solutions, founded in 2014 and based in Berlin, is a fintech company focused on enhancing consumer financial potential through innovative solutions. The company partners with banks to facilitate digitalization and improve customer interactions, enabling them to uncover new business opportunities and add value to their offerings. Finreach Solutions is known for developing the first automated current account switch kit (ASK), which helps banks increase their share of primary current accounts. With a team of 30 professionals led by CEO Markus Dränert and CPO Taner Akcok, the company leverages API-led connectivity to help partners deliver faster solutions and maximize their IT investments.

Vane is a technology-enabled finance provider focused on supporting digital media companies worldwide. Founded in 2015 and headquartered in Berlin, with additional offices in London and New York, Vane operates through its financial technology platform, BillFront. This platform facilitates quick access to non-dilutive funding by integrating seamlessly with clients' invoicing systems, allowing them to unlock working capital. Vane offers various financing options, including receivables finance, revenue-based finance, and custom credit solutions, enabling clients across sectors such as advertising technology, app development, e-commerce, and online publishing to secure funding ranging from €50,000 to several million euros monthly. The company is led by Greg Dimitriou, who has a background in media mergers and acquisitions.

Based in Berlin, Germany, Savedo is a European online marketplace for retail investment products that ensures safely deposited savings and better interest rates across the European Union. The platform supports the involved banks by handling their customer services and providing standardized account documents. Savedo enables its clients to easily invest across Europe without having to travel to the respective European country. Launched in 2014, Savedo’s team is comprised of experienced international finance specialists and online professionals.

Finreach Solutions, founded in 2014 and based in Berlin, is a fintech company focused on enhancing consumer financial potential through innovative solutions. The company partners with banks to facilitate digitalization and improve customer interactions, enabling them to uncover new business opportunities and add value to their offerings. Finreach Solutions is known for developing the first automated current account switch kit (ASK), which helps banks increase their share of primary current accounts. With a team of 30 professionals led by CEO Markus Dränert and CPO Taner Akcok, the company leverages API-led connectivity to help partners deliver faster solutions and maximize their IT investments.

Based in Berlin, Germany, Savedo is a European online marketplace for retail investment products that ensures safely deposited savings and better interest rates across the European Union. The platform supports the involved banks by handling their customer services and providing standardized account documents. Savedo enables its clients to easily invest across Europe without having to travel to the respective European country. Launched in 2014, Savedo’s team is comprised of experienced international finance specialists and online professionals.