Neosfer

Neosfer, operating under the name Main Incubator GmbH, is a subsidiary of Commerzbank AG based in Frankfurt, Germany. Established in 2013, it serves as an investment arm focusing on seed and early-stage venture investments, particularly in the FinTech sector. The firm primarily targets startups within Western Europe, especially in the DACH region, investing between EUR0.25 million and EUR2 million in equity. As a Research & Development unit, Neosfer explores emerging technologies such as blockchain, machine learning, and IoT, aiming to integrate these innovations into Commerzbank's offerings. By investing in tech-driven startups and developing its own prototypes, Neosfer actively contributes to the FinTech ecosystem and positions itself as a key partner for Commerzbank in its digital transformation efforts.

Christina Koch

Investment Manager

41 past transactions

Etvas

Venture Round in 2022
Etvas GmbH operates an online marketplace based in Hamburg, Germany, that focuses on enhancing customer engagement through value-added services. The platform connects service providers with businesses, such as banks, insurers, and e-tailers, seeking to enrich their customer offerings. By utilizing cloud-based APIs and machine learning, Etvas enables businesses to optimize customer touchpoints, enhancing monetization and improving customer retention while minimizing churn. The company's mission is to foster diversity and empathy in customer interactions, ultimately driving better service delivery and satisfaction.

Scompler

Series A in 2022
Scompler GmbH, based in Munich, Germany, is a software-as-a-service (SaaS) company that specializes in content marketing and management. It provides a platform designed to help businesses operationalize their content strategies by planning topics, managing assets, and overseeing content production. Scompler's offerings include consulting and training services to streamline the entire content operation, encompassing strategy development, editorial planning, content production, distribution, and performance analysis. By enabling clients to optimize their content processes, Scompler supports organizations in aligning their content efforts with broader marketing and communication objectives. The company has been operating as a subsidiary of Scribble Technologies Inc. since March 2016.

TransFICC

Venture Round in 2022
TransFICC Limited is a technology company based in London, specializing in e-trading solutions for the fixed income and derivatives markets. Founded in 2016, it addresses the fragmentation in these markets by providing a unified application programming interface (API) that consolidates multiple execution venue APIs into a single connection. This enables banks and asset managers to efficiently manage their trading activities while maintaining low latency and secure connectivity essential for real-time trading. TransFICC's platform supports microsecond timestamping for data, which is crucial for maintaining a comprehensive audit trail and ensuring compliance with best execution standards. The company’s cloud-based hosting services facilitate timely updates and adaptations to changes in trading venues, making it a valuable partner for clients navigating the complexities of modern trading environments.

Circula

Series A in 2022
Circula GmbH, founded in 2017 and based in Berlin, Germany, specializes in developing application software for travel and employee expense management. The company's platform is designed to digitize and simplify the expense reporting process, adhering to European tax standards. Through its mobile and web applications, Circula facilitates real-time expense invoicing, creating a seamless experience for users, including road warriors, accountants, and managers. By providing an intuitive solution for managing individualized expenses, Circula aims to streamline the complexities often associated with travel and expense reporting, ensuring compliance and efficiency for its clients.

Pliant

Seed Round in 2021
Developer of a corporate credit card platform intended to be used for covering costs for advertising, business trips and servers. The company's platform offers cards that are not dependent on special software tools, but can be used with standard applications and are ready for use after one or two working days and also offers the option of managing limits via a web interface and displaying the expenses of individual employees, enabling clients to save time and grow quickly without having to resort to a less flexible bank loan.

SQUAKE

Seed Round in 2021
Developer of a carbon emissions calculation platform designed to automate the carbon reduction and removal process. The company's platform has a single application programming interface that blends into the backend of any digital infrastructure to make precise carbon calculations, enabling businesses in the travel and logistics industry to measure and reduce carbon emissions and support sustainable development projects.

Fairown

Seed Round in 2021
Fairown provides a financing platform that focuses on subscription services and payment solutions for businesses. It specializes in a buyback system aimed at enhancing product subscription models and facilitating seamless renewal processes. The platform allows users to sell back products they no longer need or that have a short lifecycle, promoting sustainability by enabling companies to refurbish, resell, or recycle these items. This approach not only supports a more responsible consumption model but also simplifies the upgrade process for consumers looking to access newer products.

Dabbel

Series A in 2021
Dabbel is an innovative provider of an AI-autonomous building management system that enhances the efficiency of building operations. Its advanced cognitive artificial intelligence allows the system to self-manage critical building controls, including temperature, ventilation, and lighting, surpassing traditional human management. By employing a self-learning and self-configuring approach, Dabbel's technology significantly reduces implementation, energy, and operational costs by 20-40%. Additionally, it promotes a healthier environment that boosts tenant wellness and productivity. The system is designed to transform commercial office buildings into AI-driven facilities in a short timeframe, making it a compelling solution for modern building management challenges.

Clink

Series B in 2021
OptioPay GmbH, based in Berlin, Germany, specializes in payment solution software that integrates marketing with payment processing. Founded in 2014, the company allows businesses to efficiently manage payments to employees, customers, and partners through various options, including pre-paid gift cards. This innovative approach not only offers recipients flexibility and value but also transforms outgoing payments into potential revenue streams for businesses. OptioPay's platform creates a performance-based advertising channel, helping companies reduce transaction costs while providing valuable payout alternatives. With a diverse team of 50 professionals from 20 nations, OptioPay aims to redefine how individuals receive payments, ultimately establishing itself as a leading processor for corporate payouts.

Circula

Seed Round in 2021
Circula GmbH, founded in 2017 and based in Berlin, Germany, specializes in developing application software for travel and employee expense management. The company's platform is designed to digitize and simplify the expense reporting process, adhering to European tax standards. Through its mobile and web applications, Circula facilitates real-time expense invoicing, creating a seamless experience for users, including road warriors, accountants, and managers. By providing an intuitive solution for managing individualized expenses, Circula aims to streamline the complexities often associated with travel and expense reporting, ensuring compliance and efficiency for its clients.

Etvas

Seed Round in 2021
Etvas GmbH operates an online marketplace based in Hamburg, Germany, that focuses on enhancing customer engagement through value-added services. The platform connects service providers with businesses, such as banks, insurers, and e-tailers, seeking to enrich their customer offerings. By utilizing cloud-based APIs and machine learning, Etvas enables businesses to optimize customer touchpoints, enhancing monetization and improving customer retention while minimizing churn. The company's mission is to foster diversity and empathy in customer interactions, ultimately driving better service delivery and satisfaction.

Fairown

Seed Round in 2021
Fairown provides a financing platform that focuses on subscription services and payment solutions for businesses. It specializes in a buyback system aimed at enhancing product subscription models and facilitating seamless renewal processes. The platform allows users to sell back products they no longer need or that have a short lifecycle, promoting sustainability by enabling companies to refurbish, resell, or recycle these items. This approach not only supports a more responsible consumption model but also simplifies the upgrade process for consumers looking to access newer products.

AUTHADA

Corporate Round in 2020
AUTHADA GmbH, founded in 2015 and based in Darmstadt, Germany, specializes in mobile identification solutions that utilize the electronic identity (eID) of identity cards through the NFC interface of smartphones. The company offers AUTHADA ID, a mobile application that enables users to authenticate themselves for various products and services, as well as AUTHADA VOICE, which allows for authentication via voice systems using the eID. AUTHADA's services focus on customer identification, legal compliance, security, and data protection, catering to sectors such as e-business, online banking, insurance, eGovernment, eHealth, and eCommerce. By streamlining identification processes, AUTHADA helps clients enhance their customer base quickly and efficiently, while ensuring adherence to anti-money laundering regulations in Know Your Customer (KYC) practices.

Clink

Venture Round in 2020
OptioPay GmbH, based in Berlin, Germany, specializes in payment solution software that integrates marketing with payment processing. Founded in 2014, the company allows businesses to efficiently manage payments to employees, customers, and partners through various options, including pre-paid gift cards. This innovative approach not only offers recipients flexibility and value but also transforms outgoing payments into potential revenue streams for businesses. OptioPay's platform creates a performance-based advertising channel, helping companies reduce transaction costs while providing valuable payout alternatives. With a diverse team of 50 professionals from 20 nations, OptioPay aims to redefine how individuals receive payments, ultimately establishing itself as a leading processor for corporate payouts.

TransFICC

Series A in 2020
TransFICC Limited is a technology company based in London, specializing in e-trading solutions for the fixed income and derivatives markets. Founded in 2016, it addresses the fragmentation in these markets by providing a unified application programming interface (API) that consolidates multiple execution venue APIs into a single connection. This enables banks and asset managers to efficiently manage their trading activities while maintaining low latency and secure connectivity essential for real-time trading. TransFICC's platform supports microsecond timestamping for data, which is crucial for maintaining a comprehensive audit trail and ensuring compliance with best execution standards. The company’s cloud-based hosting services facilitate timely updates and adaptations to changes in trading venues, making it a valuable partner for clients navigating the complexities of modern trading environments.

21strategies

Seed Round in 2020
21strategies applies AI technology to hedge financial market risks such as currency, interest rate and commodity price risks optimally to improve the financial resilience of corporations. As a Fin Tech we innovate hedging by using AI algorithmic decision support for CFOs and their treasurers. Easy to integrate as SaaS, our flagship product Hedge 21 is quickly adaptable to the specific conditions and KPIs of individual companies. In the long run, our AI technology contributes to the integration and alignment of the overall corporate strategy. Major industry clients are convinced from our technology and glad that we receive funding from a leading German Bank, international investors, and a major consulting company. As an international start up based in Munich, Germany we strive to contribute to the overall improvement of financial services globally.

Scompler

Seed Round in 2020
Scompler GmbH, based in Munich, Germany, is a software-as-a-service (SaaS) company that specializes in content marketing and management. It provides a platform designed to help businesses operationalize their content strategies by planning topics, managing assets, and overseeing content production. Scompler's offerings include consulting and training services to streamline the entire content operation, encompassing strategy development, editorial planning, content production, distribution, and performance analysis. By enabling clients to optimize their content processes, Scompler supports organizations in aligning their content efforts with broader marketing and communication objectives. The company has been operating as a subsidiary of Scribble Technologies Inc. since March 2016.

Open as App

Series A in 2019
Open as App is a provider of an automated application development services intended to create instant application. The company's platform facilitates users to build application which are based on spread sheet formats and automatically integrates with calculations, dashboards, lists, maps, enabling businesses to create mobile applications from their spreadsheet data and without any coding or macro writing.

Grover

Series A in 2019
Grover Group GmbH is a Berlin-based company that operates an online platform allowing customers to rent consumer electronic products through a monthly subscription model. Founded in 2015, Grover offers a diverse range of over 1,500 products across various categories, including smartphones, laptops, wearables, cameras, gaming equipment, home entertainment systems, and smart home devices. This approach enables both private customers and businesses to access the latest technology without the financial burden of ownership, promoting flexibility and convenience in the consumer electronics market. With additional offices in Austria and the Netherlands, Grover is committed to enhancing the access economy by providing a simple and efficient rental service.

E-bot7

Series A in 2019
e-bot7 GmbH specializes in designing and integrating artificial intelligence solutions for customer service. The company has developed a conversational AI platform that utilizes advanced natural language processing algorithms to streamline customer communication. This platform can be integrated into existing customer relationship management systems, enhancing operational efficiency by automating responses and processes. e-bot7’s system not only manages customer inquiries but also employs a hybrid Agent+AI approach, combining human agents and AI to optimize conversations, route users, pre-qualify leads, and schedule meetings. Founded in 2016 and headquartered in Munich, Germany, e-bot7 also has offices in London and Paris. The company's solutions have proven effective in reducing handling times, increasing sales, and significantly lowering costs for businesses.

Clink

Venture Round in 2019
OptioPay GmbH, based in Berlin, Germany, specializes in payment solution software that integrates marketing with payment processing. Founded in 2014, the company allows businesses to efficiently manage payments to employees, customers, and partners through various options, including pre-paid gift cards. This innovative approach not only offers recipients flexibility and value but also transforms outgoing payments into potential revenue streams for businesses. OptioPay's platform creates a performance-based advertising channel, helping companies reduce transaction costs while providing valuable payout alternatives. With a diverse team of 50 professionals from 20 nations, OptioPay aims to redefine how individuals receive payments, ultimately establishing itself as a leading processor for corporate payouts.

Circula

Seed Round in 2019
Circula GmbH, founded in 2017 and based in Berlin, Germany, specializes in developing application software for travel and employee expense management. The company's platform is designed to digitize and simplify the expense reporting process, adhering to European tax standards. Through its mobile and web applications, Circula facilitates real-time expense invoicing, creating a seamless experience for users, including road warriors, accountants, and managers. By providing an intuitive solution for managing individualized expenses, Circula aims to streamline the complexities often associated with travel and expense reporting, ensuring compliance and efficiency for its clients.

Conpend

Seed Round in 2019
Conpend B.V., founded in 2016 and headquartered in Amsterdam, develops software solutions under the brand Trafinas, aimed at enhancing the efficiency and security of trade finance operations within the banking and financial sectors. The company's offerings include advanced data capture technology, robotic process automation, and robust compliance features, such as two-way sanction screening and trade-based money laundering red flag identification. By automating workflows and digitizing manual processes, Conpend enables financial institutions to reduce processing times and improve accuracy in document checking. Their solutions facilitate a seamless digital transformation, allowing compliance managers and trade finance professionals to increase productivity while ensuring the integrity of trade transactions.

Vermietet.de

Venture Round in 2019
Vermietet.de is an association of Berlin entrepreneurs and investors whose vision is to make real estate ownership simple and intelligent. They know from their own experience how complex the management of a property can be - and have therefore founded rented.de.

AUTHADA

Venture Round in 2018
AUTHADA GmbH, founded in 2015 and based in Darmstadt, Germany, specializes in mobile identification solutions that utilize the electronic identity (eID) of identity cards through the NFC interface of smartphones. The company offers AUTHADA ID, a mobile application that enables users to authenticate themselves for various products and services, as well as AUTHADA VOICE, which allows for authentication via voice systems using the eID. AUTHADA's services focus on customer identification, legal compliance, security, and data protection, catering to sectors such as e-business, online banking, insurance, eGovernment, eHealth, and eCommerce. By streamlining identification processes, AUTHADA helps clients enhance their customer base quickly and efficiently, while ensuring adherence to anti-money laundering regulations in Know Your Customer (KYC) practices.

Tillhub

Series A in 2018
Tillhub GmbH develops mobile iPad point of sale (POS) and payment solutions. It offers a cash register cloud based software to record and process transactions. The company offers point of sale terminals and hardware devices, such as printers, POS receipt printers and label printers; payment devices, stationary, mobile, and portable EC terminals; and barcode scanners, CCD, laser, 2D barcode, hand, stationary, inventory, and industrial scanners through its online store. Tillhub GmbH was founded in 2016 and is based in Berlin, Germany.

Lana Labs

Seed Round in 2018
Lana Labs GmbH, founded in 2016 and based in Berlin, Germany, specializes in process mining software through its flagship product, LANA. This software enables organizations to continuously monitor and enhance the efficiency of their value chains by utilizing a machine learning algorithm for automated root cause analysis. LANA identifies patterns and optimization potentials in business and production processes, providing users with customizable dashboards for data visualization. By offering automated analyses, Lana Labs aims to assist companies in becoming smarter, more efficient, and quicker in their operations.

Gini

Venture Round in 2017
Gini GmbH, founded in 2011 and based in Munich, Germany, specializes in real-time information extraction from unstructured documents using self-learning artificial intelligence technology. The company's solutions cater to various business needs, including the Gini Invoice Assistant, which automates invoice processing; Gini Switch, which extracts contract information from documents like utility bills; and Gini Smart Accounting, aimed at streamlining accounting processes. Gini also offers the Gini Credit Application, which gathers necessary information for credit approvals, and additional customizable solutions. The company provides user-friendly applications, such as Gini Photo Payment for invoice payments via smartphone photos and Gini Pay for cashless transactions at restaurants and cafés. Gini has evolved from its original name, smarchive GmbH, and is supported by investors including T-Venture and CHECK24.

TransFICC

Seed Round in 2017
TransFICC Limited is a technology company based in London, specializing in e-trading solutions for the fixed income and derivatives markets. Founded in 2016, it addresses the fragmentation in these markets by providing a unified application programming interface (API) that consolidates multiple execution venue APIs into a single connection. This enables banks and asset managers to efficiently manage their trading activities while maintaining low latency and secure connectivity essential for real-time trading. TransFICC's platform supports microsecond timestamping for data, which is crucial for maintaining a comprehensive audit trail and ensuring compliance with best execution standards. The company’s cloud-based hosting services facilitate timely updates and adaptations to changes in trading venues, making it a valuable partner for clients navigating the complexities of modern trading environments.

E-bot7

Seed Round in 2017
e-bot7 GmbH specializes in designing and integrating artificial intelligence solutions for customer service. The company has developed a conversational AI platform that utilizes advanced natural language processing algorithms to streamline customer communication. This platform can be integrated into existing customer relationship management systems, enhancing operational efficiency by automating responses and processes. e-bot7’s system not only manages customer inquiries but also employs a hybrid Agent+AI approach, combining human agents and AI to optimize conversations, route users, pre-qualify leads, and schedule meetings. Founded in 2016 and headquartered in Munich, Germany, e-bot7 also has offices in London and Paris. The company's solutions have proven effective in reducing handling times, increasing sales, and significantly lowering costs for businesses.

Bilendo

Seed Round in 2017
Bilendo GmbH is a credit management platform based in Munich, Germany, founded in 2015. The platform enables businesses to centrally manage, automate, and optimize their credit risk processes, addressing challenges posed by outdated systems and rising costs. By focusing on the invoice-to-cash process, Bilendo allows companies to handle debtor management on an individualized basis, enhancing efficiency and reducing overall credit risks. Its cloud-based solution facilitates better financial clarity and supports businesses in lowering operational costs while fostering growth. The company aims to make effective credit management accessible to all enterprises through its innovative SaaS platform.

Candis

Venture Round in 2017
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.

Userlane

Seed Round in 2016
Userlane GmbH, founded in 2015 and based in Munich, Germany, specializes in automating user onboarding and employee training through its innovative software navigation solution. The company offers interactive guides that enable organizations to train and assist employees effectively, enhancing trial conversion rates, reducing support costs, and increasing user engagement. Userlane's technology allows businesses to create step-by-step guides quickly, without requiring coding or modifications to existing software. This flexibility enables online companies to seamlessly implement interactive guidance throughout their platforms, streamlining the onboarding process and optimizing user experience. Userlane primarily serves SaaS providers, customer care managers, and employers looking to enhance their training capabilities.

Retresco

Series B in 2016
Retresco GmbH develops and offers search engine software. The company offers services such as semantic searches, information extraction, and real-time aggregation of content. Retresco GmbH’s clientele includes regional newspapers such as Südwest Presse and Märkische Oderzeitung. Retresco GmbH was founded in 2008 and is based in Berlin, Germany.

Bilendo

Seed Round in 2016
Bilendo GmbH is a credit management platform based in Munich, Germany, founded in 2015. The platform enables businesses to centrally manage, automate, and optimize their credit risk processes, addressing challenges posed by outdated systems and rising costs. By focusing on the invoice-to-cash process, Bilendo allows companies to handle debtor management on an individualized basis, enhancing efficiency and reducing overall credit risks. Its cloud-based solution facilitates better financial clarity and supports businesses in lowering operational costs while fostering growth. The company aims to make effective credit management accessible to all enterprises through its innovative SaaS platform.

Gini

Venture Round in 2015
Gini GmbH, founded in 2011 and based in Munich, Germany, specializes in real-time information extraction from unstructured documents using self-learning artificial intelligence technology. The company's solutions cater to various business needs, including the Gini Invoice Assistant, which automates invoice processing; Gini Switch, which extracts contract information from documents like utility bills; and Gini Smart Accounting, aimed at streamlining accounting processes. Gini also offers the Gini Credit Application, which gathers necessary information for credit approvals, and additional customizable solutions. The company provides user-friendly applications, such as Gini Photo Payment for invoice payments via smartphone photos and Gini Pay for cashless transactions at restaurants and cafés. Gini has evolved from its original name, smarchive GmbH, and is supported by investors including T-Venture and CHECK24.

Grover

Seed Round in 2015
Grover Group GmbH is a Berlin-based company that operates an online platform allowing customers to rent consumer electronic products through a monthly subscription model. Founded in 2015, Grover offers a diverse range of over 1,500 products across various categories, including smartphones, laptops, wearables, cameras, gaming equipment, home entertainment systems, and smart home devices. This approach enables both private customers and businesses to access the latest technology without the financial burden of ownership, promoting flexibility and convenience in the consumer electronics market. With additional offices in Austria and the Netherlands, Grover is committed to enhancing the access economy by providing a simple and efficient rental service.

Clink

Seed Round in 2015
OptioPay GmbH, based in Berlin, Germany, specializes in payment solution software that integrates marketing with payment processing. Founded in 2014, the company allows businesses to efficiently manage payments to employees, customers, and partners through various options, including pre-paid gift cards. This innovative approach not only offers recipients flexibility and value but also transforms outgoing payments into potential revenue streams for businesses. OptioPay's platform creates a performance-based advertising channel, helping companies reduce transaction costs while providing valuable payout alternatives. With a diverse team of 50 professionals from 20 nations, OptioPay aims to redefine how individuals receive payments, ultimately establishing itself as a leading processor for corporate payouts.

Gini

Series A in 2014
Gini GmbH, founded in 2011 and based in Munich, Germany, specializes in real-time information extraction from unstructured documents using self-learning artificial intelligence technology. The company's solutions cater to various business needs, including the Gini Invoice Assistant, which automates invoice processing; Gini Switch, which extracts contract information from documents like utility bills; and Gini Smart Accounting, aimed at streamlining accounting processes. Gini also offers the Gini Credit Application, which gathers necessary information for credit approvals, and additional customizable solutions. The company provides user-friendly applications, such as Gini Photo Payment for invoice payments via smartphone photos and Gini Pay for cashless transactions at restaurants and cafés. Gini has evolved from its original name, smarchive GmbH, and is supported by investors including T-Venture and CHECK24.

Traxpay

Series B in 2014
Traxpay AG operates a cloud-based B2B dynamic payments platform that provides financial process automation and B2B payment services to corporations, digital marketplaces, and B2B commerce networks. Established in 2009 and headquartered in Frankfurt am Main, Germany, with an additional office in Mountain View, California, Traxpay offers solutions such as dynamic discounting, reverse factoring, and factoring to help companies optimize their working capital, liquidity, and cash flow. The platform is designed to facilitate secure, bank-grade, and regulatory-compliant financial transactions in collaboration with partner banks. By providing a flexible range of tools for payables, receivables, and payment risk management, Traxpay enables businesses to enhance the sustainability of their supply chains while also generating EBITDA.
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