Opera Tech Ventures

Hokodo Ltd is a London-based company that specializes in developing insurance and financing solutions tailored for B2B marketplaces, cloud accounting, and e-invoicing platforms. Founded in 2018, Hokodo offers a digital platform that simplifies the order-to-cash process for businesses, enabling them to make real-time credit decisions and access working capital finance options. Their products include Invoice Protection, an API that safeguards businesses against unpaid invoices, and Secure Freight, which protects goods in transit or storage. Additionally, Hokodo provides tools for users to assess the credit ratings of clients and suppliers, enhancing decision-making regarding credit terms and mitigating the risks associated with bad debt.

PropHero is a property investment platform that simplifies the process of finding, purchasing, and managing investment properties. Utilizing proprietary AI algorithms, the platform streamlines due diligence and acquisition, making property investment more accessible and transparent. By focusing on clients' individual needs and investment strategies, PropHero aims to provide a data-driven approach that enhances the investment experience. The company's mission is to eliminate the complexities of real estate wealth management, enabling users to engage in property investment in a straightforward and efficient manner.

Stoïk is a cyber insurance company that integrates cybersecurity software with insurance protection, helping businesses manage their cyber risks effectively. Stoïk empowers brokers by offering clients comprehensive insurance policies and protection against cyber risks. Its mission is to equip brokers with the tools to help their clients insure and safeguard against cyber threats. Stoïk's unique product simplifies the underwriting process using automated tests, replacing traditional questionnaires. It also provides continuous risk prevention through integrated cybersecurity tools and ensures swift, effective incident response with an in-house team of crisis management experts.

Arbol is developing a climate risk assessment and insurance platform aimed at helping businesses analyze and mitigate financial losses from extreme weather events. It operates an insurance marketplace that connects weather-exposed agricultural entities with capital providers, such as insurers and asset managers. By leveraging objective data from satellites, weather stations, and advanced technologies like big data, artificial intelligence, and blockchain, Arbol's parametric insurance platform enhances transparency and efficiency in managing climate risks. The platform offers automated pricing and instant payouts triggered by objective data, reducing administrative costs and information asymmetry, thereby enabling businesses across various industries to effectively address their climate-related financial challenges.

Plan A is a leading provider of corporate carbon accounting, decarbonization, and ESG reporting software in Europe. The company has developed a comprehensive SaaS platform that integrates advanced technologies with established scientific standards and methodologies. This end-to-end solution allows businesses to manage their entire net-zero journey from a single interface, encompassing data collection, emissions calculation, target setting, decarbonization planning, and non-financial reporting. By offering personalized sustainability action plans and compliance tracking services, Plan A empowers organizations to effectively navigate their sustainability goals and foster responsible business practices.

Stoïk is a cyber insurance company that integrates cybersecurity software with insurance protection, helping businesses manage their cyber risks effectively. Stoïk empowers brokers by offering clients comprehensive insurance policies and protection against cyber risks. Its mission is to equip brokers with the tools to help their clients insure and safeguard against cyber threats. Stoïk's unique product simplifies the underwriting process using automated tests, replacing traditional questionnaires. It also provides continuous risk prevention through integrated cybersecurity tools and ensures swift, effective incident response with an in-house team of crisis management experts.

Insify is an insurance technology company based in Amsterdam, Netherlands, that specializes in providing digital insurance solutions tailored for freelancers and small businesses. Founded in 2020 by Koen Thijssen, the company utilizes artificial intelligence-driven data technology to streamline the insurance process, ensuring that clients can access coverage without the constraints typically associated with traditional insurance practices. By focusing on the unique needs of small enterprises, Insify aims to simplify the insurance experience, making it more efficient and accessible.

SESAMm is a fintech company focused on leveraging big data and artificial intelligence to enhance investment strategies. The firm specializes in analyzing vast amounts of web content through natural language processing and machine learning to generate analytics and investment signals. Its platforms, TextReveal and SignalReveal, provide comprehensive solutions for alpha research, catering to both fundamental and quantitative investment needs. With a team of 90 professionals located in cities such as Paris, New York, and Tokyo, SESAMm collaborates with prominent hedge funds, banks, and asset management firms globally. Additionally, the company emphasizes responsible and sustainable investing, offering insights that assist private equity firms, asset managers, and corporations in effectively managing their assets.

Hokodo Ltd is a London-based company that specializes in developing insurance and financing solutions tailored for B2B marketplaces, cloud accounting, and e-invoicing platforms. Founded in 2018, Hokodo offers a digital platform that simplifies the order-to-cash process for businesses, enabling them to make real-time credit decisions and access working capital finance options. Their products include Invoice Protection, an API that safeguards businesses against unpaid invoices, and Secure Freight, which protects goods in transit or storage. Additionally, Hokodo provides tools for users to assess the credit ratings of clients and suppliers, enhancing decision-making regarding credit terms and mitigating the risks associated with bad debt.

Token.io is a payment infrastructure provider that specializes in account-to-account (A2A) payments, leveraging open banking to facilitate a seamless transition from traditional payment methods to direct bank payments. The company offers a robust platform designed to enhance payment processing for providers, enabling them to effectively implement Pay by Bank as a core payment option. With access to over 567 million bank accounts across 21 countries, Token.io ensures high connectivity and performance, catering to a significant portion of the market. Its deployment options are versatile, allowing payment providers to utilize Token.io's licenses and advanced authentication flows to streamline their operations. The platform has garnered a strong reputation, supported by partnerships with prominent financial institutions and payment processors, collectively serving millions of merchants globally.

Kayrros is a leading advanced data analytics company that specializes in providing actionable insights for the global energy market. With a team of over 100 employees from more than 15 nationalities, Kayrros operates from its headquarters in Paris and has additional offices in Houston, London, New York, and Singapore. The company integrates alternative and market data to create unique product offerings that enhance decision-making across the energy sector. Its platform focuses on environmental intelligence and asset observation, delivering critical insights related to greenhouse gas reduction, ecosystem protection, and energy transition management. Kayrros aims to support governments, companies, and investment markets in assessing the climate impact of energy and industrial activities, thereby enabling faster and more informed decisions. The company’s solutions are designed to be scalable and continuously expand to include new geographic regions and data sources, enhancing transparency in energy markets worldwide.

Rewire Ltd. is a fintech company based in Modi'in-Maccabim-Re'ut, Israel, specializing in remittance and digital banking solutions for migrants. Founded in 2015, Rewire facilitates money transfers from Israel to several countries, including the Philippines, India, Thailand, and Russia, allowing users to manage transactions via a mobile app or computer. The platform enables customers to create remittance orders, deposit funds through various methods, and receive notifications upon successful transfers. Rewire aims to enhance financial accessibility for migrant workers by integrating banking services into its platform, which includes payment accounts and debit card offerings. The company plans to expand its services to include bill payments, insurance, credit, loans, and investment options, further supporting the financial needs of its diverse customer base. Through strategic partnerships and a commitment to inclusivity, Rewire seeks to empower immigrants and integrate them into the financial system.

Alviere is a finance platform that offers embedded financial products and technology, allowing businesses to deliver a range of financial services to their customers. The platform facilitates banking, mobile payments, card issuance, payment processing, and cross-border currency exchange. By providing a flexible framework, Alviere enables brands to launch new financial service lines, thereby enhancing customer relationships and insights while boosting satisfaction and retention. This approach not only strengthens customer connections but also helps businesses increase revenue and maximize profits.

Instant System is a provider of multimodal transport services that aims to enhance urban mobility through its innovative passenger information apps, ticketing integrations, and Mobility as a Service (MaaS) solutions. The company focuses on simplifying transportation for cities by offering a platform that integrates various mobility options, including public transportation, bike sharing, car sharing, carpooling, ride-hailing, and parking. This comprehensive system is designed to meet the daily mobility needs of urban areas, allowing public authorities and transportation providers to manage and streamline transportation services effectively. By centralizing travel data and providing intermodal itinerary solutions, Instant System enables both companies and individuals to navigate urban transport more efficiently, thus improving overall quality of life.

Rewire Ltd. is a fintech company based in Modi'in-Maccabim-Re'ut, Israel, specializing in remittance and digital banking solutions for migrants. Founded in 2015, Rewire facilitates money transfers from Israel to several countries, including the Philippines, India, Thailand, and Russia, allowing users to manage transactions via a mobile app or computer. The platform enables customers to create remittance orders, deposit funds through various methods, and receive notifications upon successful transfers. Rewire aims to enhance financial accessibility for migrant workers by integrating banking services into its platform, which includes payment accounts and debit card offerings. The company plans to expand its services to include bill payments, insurance, credit, loans, and investment options, further supporting the financial needs of its diverse customer base. Through strategic partnerships and a commitment to inclusivity, Rewire seeks to empower immigrants and integrate them into the financial system.

Token.io is a payment infrastructure provider that specializes in account-to-account (A2A) payments, leveraging open banking to facilitate a seamless transition from traditional payment methods to direct bank payments. The company offers a robust platform designed to enhance payment processing for providers, enabling them to effectively implement Pay by Bank as a core payment option. With access to over 567 million bank accounts across 21 countries, Token.io ensures high connectivity and performance, catering to a significant portion of the market. Its deployment options are versatile, allowing payment providers to utilize Token.io's licenses and advanced authentication flows to streamline their operations. The platform has garnered a strong reputation, supported by partnerships with prominent financial institutions and payment processors, collectively serving millions of merchants globally.

Sis ID is a fintech company established in 2016 that specializes in combating bank transfer fraud. The company provides a collaborative platform that includes a shared repository for various businesses and utilizes a private blockchain to enhance security roles. Additionally, Sis ID offers tools to verify the rightful ownership of bank accounts, regardless of the beneficiary type. This approach enables businesses to securely store payment data while facilitating the digital transformation of financial operations. By addressing the growing concerns of bank transfer fraud, Sis ID supports major companies in safeguarding their financial transactions.

Token.io is a payment infrastructure provider that specializes in account-to-account (A2A) payments, leveraging open banking to facilitate a seamless transition from traditional payment methods to direct bank payments. The company offers a robust platform designed to enhance payment processing for providers, enabling them to effectively implement Pay by Bank as a core payment option. With access to over 567 million bank accounts across 21 countries, Token.io ensures high connectivity and performance, catering to a significant portion of the market. Its deployment options are versatile, allowing payment providers to utilize Token.io's licenses and advanced authentication flows to streamline their operations. The platform has garnered a strong reputation, supported by partnerships with prominent financial institutions and payment processors, collectively serving millions of merchants globally.

Rewire Ltd. is a fintech company based in Modi'in-Maccabim-Re'ut, Israel, specializing in remittance and digital banking solutions for migrants. Founded in 2015, Rewire facilitates money transfers from Israel to several countries, including the Philippines, India, Thailand, and Russia, allowing users to manage transactions via a mobile app or computer. The platform enables customers to create remittance orders, deposit funds through various methods, and receive notifications upon successful transfers. Rewire aims to enhance financial accessibility for migrant workers by integrating banking services into its platform, which includes payment accounts and debit card offerings. The company plans to expand its services to include bill payments, insurance, credit, loans, and investment options, further supporting the financial needs of its diverse customer base. Through strategic partnerships and a commitment to inclusivity, Rewire seeks to empower immigrants and integrate them into the financial system.

Chime is a mobile banking and finance platform that provides users with convenient banking services designed for modern financial needs. The platform allows users to access bank accounts with fee-free overdrafts and offers the opportunity for early access to paychecks. Chime's unique savings feature automatically sets aside a predetermined amount of money after each transaction, promoting better financial habits and helping members save. The company earns revenue through transaction fees paid by merchants, aligning its interests with those of its users. By focusing on user-friendly services, Chime aims to empower individuals to gain greater control and flexibility over their finances while avoiding traditional banking fees.