Opera Tech Ventures

Hokodo Ltd is a London-based company that specializes in developing insurance and financing solutions tailored for B2B marketplaces and digital platforms such as cloud accounting and e-invoicing systems. Founded in 2018, Hokodo offers a user-friendly digital platform that integrates easily with existing systems, streamlining the order-to-cash process. Their services include Invoice Protection, which safeguards businesses against unpaid invoices, and Secure Freight, which protects goods during transit or storage. Additionally, Hokodo enables real-time credit assessments, allowing merchants to make informed decisions regarding credit terms, protect themselves against bad debt, and access working capital financing options. Through these innovations, Hokodo aims to enhance the safety and efficiency of B2B transactions across Europe.

PropHero is a technology-driven real estate investment platform that simplifies the process of finding, purchasing, and managing income-generating properties. The company employs proprietary AI algorithms to analyze market data and identify lucrative investment opportunities for clients, streamlining the due diligence and acquisition processes. By leveraging its digital platform, PropHero aims to make real estate wealth creation more accessible, stress-free, and data-driven.

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 a company that operates a climate risk assessment and insurance platform aimed at helping businesses mitigate financial losses from extreme weather events. It connects weather-exposed agricultural entities with capital providers, such as insurers and asset managers, through its innovative insurance marketplace. By utilizing big data, artificial intelligence, and blockchain technology, Arbol enhances transparency and efficiency in managing climate risks. The platform offers parametric insurance solutions that eliminate information asymmetry and lower administrative costs by using objective data from satellites and weather stations. This enables automated pricing and instant payouts based on predefined data triggers, allowing businesses across various sectors to access capital from non-insurance sources and effectively manage 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 SaaS platform that integrates advanced technologies with the latest scientific standards and methodologies. This comprehensive software solution allows businesses to manage their entire net-zero journey from a single platform. It facilitates data collection, emissions calculation, target setting, decarbonization planning, and non-financial reporting, enabling organizations to create personalized sustainability action plans and track compliance effectively.

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 a digital insurance company based in Amsterdam, Netherlands, founded in 2020 by Koen Thijssen. It specializes in providing insurance products and services tailored for freelancers and small businesses. By leveraging artificial intelligence-based data technology, Insify simplifies and accelerates the insurance process, addressing the common constraints found in traditional insurance practices. The company's focus is on delivering innovative insurance solutions that meet the specific needs of its clients, thereby facilitating easier access to essential coverage for small enterprises.

SESAMm is a fintech company that focuses on harnessing big data and artificial intelligence to enhance investment strategies. The company utilizes advanced natural language processing and machine learning techniques to analyze vast amounts of web articles and communications, generating analytics and investment signals. SESAMm offers two primary platforms: TextReveal, which specializes in text analysis, and SignalReveal, a quantitative data science platform that supports the entire alpha research process. With a team of approximately 90 professionals located in major financial hubs including Paris, New York, Tokyo, and London, SESAMm collaborates with prominent hedge funds, banks, and asset management firms globally. The company's mission is to provide insights that facilitate sustainable and responsible investment decisions, assisting clients in effective asset management across both fundamental and quantitative applications.

Hokodo Ltd is a London-based company that specializes in developing insurance and financing solutions tailored for B2B marketplaces and digital platforms such as cloud accounting and e-invoicing systems. Founded in 2018, Hokodo offers a user-friendly digital platform that integrates easily with existing systems, streamlining the order-to-cash process. Their services include Invoice Protection, which safeguards businesses against unpaid invoices, and Secure Freight, which protects goods during transit or storage. Additionally, Hokodo enables real-time credit assessments, allowing merchants to make informed decisions regarding credit terms, protect themselves against bad debt, and access working capital financing options. Through these innovations, Hokodo aims to enhance the safety and efficiency of B2B transactions across Europe.

Token.io is a developer of payment infrastructure focused on facilitating frictionless account-to-account payments, particularly in Europe. The company's platform leverages open banking to provide a comprehensive solution for payment providers, enabling them to easily implement Pay by Bank as a core payment method. With access to over 567 million bank accounts across 21 countries, Token.io's infrastructure supports a seamless transition from traditional card payments to more innovative alternatives. The platform is designed for quick deployment and includes options for enhanced payment authentication, allowing providers to swiftly manage their Pay By Bank capabilities. Token.io's solutions are validated by a robust network of partners, including major financial institutions and payment processors, who collectively serve millions of merchants worldwide.

Kayrros is a prominent advanced data analytics company specializing in the energy sector, aiding global market participants in making informed investment decisions. With a team of over 100 professionals from more than 15 nationalities, the company operates from its headquarters in Paris and additional offices in Houston, London, New York, and Singapore. Kayrros integrates alternative and market data into unique product offerings that provide actionable insights in near real-time, utilizing advanced technologies. The company's platform focuses on environmental intelligence and asset observation, delivering critical insights on energy-transition risks and climate impacts. This enables decision-makers in various sectors, including government and investment markets, to evaluate the effects of energy and industrial activities on the environment, thereby facilitating better and faster decision-making. Kayrros continuously expands its solutions to enhance transparency in the global energy markets.

Rewire Ltd. is a fintech company that specializes in providing remittance and digital banking services primarily for migrants. Founded in 2015 and based in Modi'in-Maccabim-Re'ut, Israel, Rewire offers a platform that enables users to send money from Israel to various countries, including the Philippines, India, Thailand, Nepal, Sri Lanka, and Russia. The company's services include mobile and online remittance orders, money deposits, and notifications for beneficiaries upon receipt of funds. Rewire aims to enhance financial accessibility for immigrants by integrating banking services into its platform, which includes payment accounts, debit cards, and plans for additional services like bill payments, insurance, loans, and investments. Through its innovative technology and commitment to inclusivity, Rewire seeks to improve the financial security of international workers and their families, helping them manage their finances across borders more effectively.

Alviere is a financial technology company that specializes in providing an embedded finance platform, enabling brands to offer a range of financial services directly to their customers. Its platform facilitates the delivery of various financial products, including banking services, mobile payments, card issuance, payment processing, and cross-border currency exchange. By streamlining and automating these offerings, Alviere helps businesses enhance customer relationships, boost revenue, and improve overall profitability. The company's flexible framework allows clients to easily launch new financial service lines, thereby increasing customer satisfaction and retention while gaining valuable insights into consumer behavior.

Instant System is a technology company specializing in urban mobility solutions. It offers modular, scalable passenger information apps and ticketing integrations to transportation authorities, aiming to simplify daily mobility needs within cities. The company's core product is a Mobility-as-a-Service (MaaS) platform, designed to be managed by public authorities and transportation providers. This platform integrates various mobility options such as public transport, bike sharing, car sharing, ride-hailing, and parking services, providing users with a centralized, intermodal itinerary device for seamless travel experiences. Additionally, Instant System's solutions enable businesses to deliver travel policies for their employees, potentially enhancing overall quality of life.

Rewire Ltd. is a fintech company that specializes in providing remittance and digital banking services primarily for migrants. Founded in 2015 and based in Modi'in-Maccabim-Re'ut, Israel, Rewire offers a platform that enables users to send money from Israel to various countries, including the Philippines, India, Thailand, Nepal, Sri Lanka, and Russia. The company's services include mobile and online remittance orders, money deposits, and notifications for beneficiaries upon receipt of funds. Rewire aims to enhance financial accessibility for immigrants by integrating banking services into its platform, which includes payment accounts, debit cards, and plans for additional services like bill payments, insurance, loans, and investments. Through its innovative technology and commitment to inclusivity, Rewire seeks to improve the financial security of international workers and their families, helping them manage their finances across borders more effectively.

Token.io is a developer of payment infrastructure focused on facilitating frictionless account-to-account payments, particularly in Europe. The company's platform leverages open banking to provide a comprehensive solution for payment providers, enabling them to easily implement Pay by Bank as a core payment method. With access to over 567 million bank accounts across 21 countries, Token.io's infrastructure supports a seamless transition from traditional card payments to more innovative alternatives. The platform is designed for quick deployment and includes options for enhanced payment authentication, allowing providers to swiftly manage their Pay By Bank capabilities. Token.io's solutions are validated by a robust network of partners, including major financial institutions and payment processors, who collectively serve millions of merchants worldwide.

Sis ID is a fintech company established in 2016 that focuses on combating bank transfer fraud for major enterprises. The company provides a collaborative platform that includes a shared repository utilized by various organizations, along with a private blockchain designed to enhance the verification of account ownership. This platform enables businesses to securely store payment data while also facilitating the digital transformation of their financial operations. By offering tools that ensure the correct identification of bank account beneficiaries, Sis ID aims to bolster security measures and reduce the risks associated with fraudulent transactions.

Tink AB, founded in 2012 and based in Stockholm, Sweden, operates as a cloud-based open banking platform that supports the development of data-driven financial services. The company's offerings include account aggregation, payment initiation, and personal finance management tools, which can be integrated into existing banking applications or used as standalone services. Tink's mobile application enables users to manage their finances across multiple bank accounts, facilitate money transfers, pay bills, and set personal budgets. The platform also provides valuable insights through automatic transaction categorization and daily spending analyses. Tink collaborates with various financial institutions, including notable partners like ABN AMRO, BNP Paribas Fortis, Nordea, Klarna, and SEB, to enhance the financial services landscape.

Tink AB, founded in 2012 and based in Stockholm, Sweden, operates as a cloud-based open banking platform that supports the development of data-driven financial services. The company's offerings include account aggregation, payment initiation, and personal finance management tools, which can be integrated into existing banking applications or used as standalone services. Tink's mobile application enables users to manage their finances across multiple bank accounts, facilitate money transfers, pay bills, and set personal budgets. The platform also provides valuable insights through automatic transaction categorization and daily spending analyses. Tink collaborates with various financial institutions, including notable partners like ABN AMRO, BNP Paribas Fortis, Nordea, Klarna, and SEB, to enhance the financial services landscape.

Token.io is a developer of payment infrastructure focused on facilitating frictionless account-to-account payments, particularly in Europe. The company's platform leverages open banking to provide a comprehensive solution for payment providers, enabling them to easily implement Pay by Bank as a core payment method. With access to over 567 million bank accounts across 21 countries, Token.io's infrastructure supports a seamless transition from traditional card payments to more innovative alternatives. The platform is designed for quick deployment and includes options for enhanced payment authentication, allowing providers to swiftly manage their Pay By Bank capabilities. Token.io's solutions are validated by a robust network of partners, including major financial institutions and payment processors, who collectively serve millions of merchants worldwide.

Rewire Ltd. is a fintech company that specializes in providing remittance and digital banking services primarily for migrants. Founded in 2015 and based in Modi'in-Maccabim-Re'ut, Israel, Rewire offers a platform that enables users to send money from Israel to various countries, including the Philippines, India, Thailand, Nepal, Sri Lanka, and Russia. The company's services include mobile and online remittance orders, money deposits, and notifications for beneficiaries upon receipt of funds. Rewire aims to enhance financial accessibility for immigrants by integrating banking services into its platform, which includes payment accounts, debit cards, and plans for additional services like bill payments, insurance, loans, and investments. Through its innovative technology and commitment to inclusivity, Rewire seeks to improve the financial security of international workers and their families, helping them manage their finances across borders more effectively.

Chime is a mobile banking and finance platform that offers users convenient access to banking services through their smartphones. The platform features a unique savings mechanism that automatically allocates a predetermined amount of money into savings after each transaction. Chime generates revenue from transaction fees paid by merchants, which aligns its interests with those of its users, promoting fee avoidance and encouraging savings. Additionally, the platform provides fee-free overdrafts and early access to paychecks, empowering users to gain greater control and flexibility over their financial situations while supporting their efforts to improve credit.