Picus Capital

HAWK:AI GmbH is a fintech company based in Munich, Germany, founded in 2018. The company specializes in providing a money laundering detection and investigation platform that leverages machine-learning techniques to assist financial institutions in combating financial crime. HAWK:AI supports the end-to-end financial crime compliance process, encompassing transaction monitoring, investigation, filing, and maintaining audit trails. By focusing on effective information sharing, the platform enhances the capabilities of anti-money laundering and fraud surveillance teams within banks, payment companies, and fintech organizations, ultimately improving their efficiency and effectiveness in addressing financial corruption.

Morada Uno is a technology company that focuses on enhancing the real estate industry by offering tools and financial products aimed at real estate brokers and professionals. The company provides services that facilitate the screening, collection, and insurance of residential leases. By equipping real estate professionals with resources to streamline interactions between property owners and tenants, Morada Uno enables efficient transaction closures and effective asset management for its clients. The company's solutions aim to create a digital, seamless, and secure rental experience in the real estate market.

Aplazo is a fintech company that focuses on enhancing financial access and opportunities in Mexico. Its platform allows users to make online purchases at affiliated stores and pay for them in installments. Customers can apply through the website and choose a delayed payment option, which enables them to manage their finances more effectively. This installment payment plan not only benefits users by providing flexibility in payment but also helps businesses expand their customer base by tapping into new marketing channels. Aplazo aims to empower individuals with financial solutions that promote responsible spending and improve overall access to goods and services.

Baselayer automates business risk assessment and eliminates B2B fraud for over 1,900 Financial and Government Institutions. It offers services such as business verification (KYB), fraud detection, business onboarding optimization, risk profiling, portfolio monitoring & alerting, and workflow automation. Baselayer empowers 1,900+ financial institutions, government agencies, lenders, and fintech to unlock instant trust with any business in America.

D2X Group is establishing a regulated cryptocurrency derivatives exchange based in the Netherlands, operating seven days a week. The exchange offers a range of cash-settled futures and options for Bitcoin and Ethereum, catering specifically to institutional investors. D2X Group employs a distinctive post-trade model that provides a capital-efficient alternative to central clearing, thereby enhancing the accessibility of digital assets for financial institutions. By adopting a regulatory-first approach, D2X aims to bridge the gap between traditional finance and the emerging digital asset market, helping institutions manage operational and regulatory risks while facilitating their entry into this evolving asset class. The company is supported by notable strategic investors, reflecting its commitment to fostering institutional adoption of cryptocurrency derivatives.

Silverflow is a payment processing technology company based in Amsterdam, Netherlands, founded in 2019. The company offers a cloud-based payments platform that enables payment service providers (PSPs) to gain direct access to card networks. This innovative platform allows PSPs to enhance their services by instantly adding new functionalities and obtaining real-time insights into transaction fees. Additionally, Silverflow provides smart data directly from the networks, which helps payment providers serve their merchants more effectively. By streamlining data flow and utilizing basic application programming interfaces, Silverflow aims to improve agility, transparency, and security in global payment operations, benefiting not only PSPs but also merchants and acquirers.

Aleph operates a financial planning and analysis platform designed to enhance the capabilities of traditional spreadsheets such as Excel and Google Sheets. By integrating data from accounting systems and various operational sources, Aleph provides specialized financial tools that are always current. This allows clients to create sophisticated financial models and use cases, ultimately facilitating informed investment decisions. Aleph aims to support finance departments by merging the familiarity of spreadsheets with advanced financial insights, making it a valuable resource for financial professionals.

Getpaid is a technology and payment firm with offices in Germany and Spain that specializes in providing payment solutions for platforms and marketplaces. The company aims to enhance the monetization of payments, enabling platforms to significantly increase their revenue potential and gain valuable data insights. By focusing on improving customer experience and streamlining payment operations, Getpaid supports merchants in developing their businesses more effectively. Through its innovative platform-centric solutions, the company seeks to create a robust ecosystem where both platforms and merchants can thrive.

Vega is to change wealth management through the application of cutting-edge technology. We aim to bring together the private and institutional sectors with a platform that streamlines wealth creation for high-net-worth individuals and their advisors by using our team's financial and technical knowledge.

Momento is an insurtech company focused on transforming the insurance landscape in Latin America, particularly in the auto insurance sector. Leveraging technology and data, Momento aims to enhance the user experience by simplifying the purchasing process and offering personalized pricing tailored to individual drivers. The platform provides comprehensive services, including driving behavior analysis, information on fines, theft risk assessments in specific areas, and details about affordable gas stations and parking options. Additionally, Momento streamlines the claims process, making it automated and user-friendly, while also targeting the uninsured demographic in Latin America to broaden its market reach.

Baselayer automates business risk assessment and eliminates B2B fraud for over 1,900 Financial and Government Institutions. It offers services such as business verification (KYB), fraud detection, business onboarding optimization, risk profiling, portfolio monitoring & alerting, and workflow automation. Baselayer empowers 1,900+ financial institutions, government agencies, lenders, and fintech to unlock instant trust with any business in America.

HAWK:AI GmbH is a fintech company based in Munich, Germany, founded in 2018. The company specializes in providing a money laundering detection and investigation platform that leverages machine-learning techniques to assist financial institutions in combating financial crime. HAWK:AI supports the end-to-end financial crime compliance process, encompassing transaction monitoring, investigation, filing, and maintaining audit trails. By focusing on effective information sharing, the platform enhances the capabilities of anti-money laundering and fraud surveillance teams within banks, payment companies, and fintech organizations, ultimately improving their efficiency and effectiveness in addressing financial corruption.

Arch is a financial technology company that specializes in providing loans to owners of alternative assets, particularly in the cryptocurrency and non-fungible token (NFT) sectors. The company has developed a liquid crypto asset platform that enables users to manage all of their crypto assets in one location. Its primary offering includes over-collateralized crypto-backed loans, which are securely stored in qualified custody and free from rehypothecation of collateral. This service allows consumers to access instant loans against their crypto and NFTs while benefiting from real-time asset tracking, thus providing an efficient borrowing solution tailored to the needs of alternative asset owners.

PayZen is a healthcare fintech startup founded in 2019 in San Francisco by Ariel Rosenthal, Itzik Cohen, and Tobias Mezger. The company addresses the challenge of patient payment responsibilities by providing a platform that allows patients to pay their out-of-pocket medical bills over time, enhancing convenience and transparency. PayZen's technology utilizes artificial intelligence to create tailored payment plans that cater to individual financial situations, thereby improving affordability for patients. This approach not only facilitates timely payments but also helps medical providers optimize cash flow and minimize the costs associated with collecting outstanding invoices. By focusing on patient financing solutions, PayZen enables healthcare providers to concentrate on delivering medical care rather than managing financial transactions.

OatFi provides the end-to-end infrastructure for B2B payment platforms to embed and monetize working capital tools.

BRXS is an online application that facilitates real estate investment, catering to both renters and investors. The platform aims to democratize real estate investing by providing a user-friendly interface that allows individuals to invest in carefully selected properties through a mobile app. By making real estate investments more accessible and affordable, BRXS empowers a broader range of customers to participate in the real estate market.

Caju is a Brazilian company founded in 2019, based in Pinheiros, that specializes in providing a comprehensive employee benefits platform. The company offers a benefit card that enables employees to access various benefits, including food stamps, transportation costs, and other human resource-related perks. Caju's platform allows companies to register employees and manage their benefits efficiently. Each employee receives a single Visa card, which can be used across multiple categories such as food, meal, mobility, culture, health, education, and home office expenses. Additionally, Caju's application tracks all benefits and vouchers, helping both companies and employees monitor their usage and adjust benefits according to individual needs and company policies.

Getpaid is a technology and payment firm with offices in Germany and Spain that specializes in providing payment solutions for platforms and marketplaces. The company aims to enhance the monetization of payments, enabling platforms to significantly increase their revenue potential and gain valuable data insights. By focusing on improving customer experience and streamlining payment operations, Getpaid supports merchants in developing their businesses more effectively. Through its innovative platform-centric solutions, the company seeks to create a robust ecosystem where both platforms and merchants can thrive.

WeRize is a pioneering fintech platform in India that addresses the financial needs of middle-class families in tier 2 to tier 4 cities, a segment often overlooked by traditional financial institutions and existing fintechs. It offers a comprehensive range of customized credit, insurance, and savings products tailored for approximately 300 million individuals in these underserved areas, representing a significant market opportunity. Unlike conventional banks and insurers that rely on costly branch networks, WeRize leverages a social distribution model, enabling financially literate freelancers in over 1,000 cities to sell its products within their communities. This approach not only fosters trust but also provides the high-touch sales and after-sales service essential for customers in smaller towns. Through its proprietary technology platform, WeRize efficiently manages its freelancers, allowing for scalable operations and a more sustainable business model with lower customer acquisition costs. By focusing on the unique needs of small-town families, WeRize is reshaping the landscape of financial services in India.

Narmi Inc. is a technology company based in New York that specializes in developing online and mobile banking applications for financial institutions across the United States. Founded in 2016, Narmi focuses on providing regional and community banks and credit unions with a platform that streamlines account opening processes, allowing clients to complete this in under 2.5 minutes. The company’s offerings include features such as fraud protection, multi-factor authentication, and transaction monitoring, which help enhance security and user experience. In addition to banking applications, Narmi also provides website design, development, and hosting services, as well as content generation and management solutions. Their goal is to enable financial institutions to attract, engage, and retain customers through an intuitive, omnichannel banking experience.

Xepelin is a financial technology company focused on transforming business finance for small and medium-sized enterprises (SMEs) in Latin America. The company offers a range of digital financial services, including short-term and long-term loans, capital credits, and accounts payable financing through an online platform. Xepelin aims to provide SMEs with economic freedom in their financial decisions by allowing clients to personalize services to meet their specific needs. With a team of over 500 employees, Xepelin leverages advanced financial indicators and risk assessments to streamline decision-making processes within the business ecosystem. The company is supported by notable investors, positioning it as a leader in the region's evolving financial landscape.

Paytron, LLC operates a comprehensive fintech platform aimed at enhancing the financial operations of small and medium-sized enterprises (SMEs). Founded in 2015 and based in Las Vegas, Nevada, the company offers a range of services including credit and debit card processing, secure gateway processing, and point of sale hardware. Additionally, Paytron provides a modern transaction account that facilitates efficient payments, invoice approvals, and bank linking, while also automating bookkeeping tasks. Its platform supports cross-border transactions with features such as international payroll management and currency risk management, enabling businesses to streamline their cash flow and enhance financial insights. Overall, Paytron is dedicated to helping SMEs and their accountants optimize resources and improve operational efficiency.

Alma SAS is a French company that operates a payment platform designed for online businesses. Founded in 2018 and headquartered in Neuilly-sur-Seine, the company offers a range of services that facilitate payment management, accounting exports, and data analysis for its clients. Alma’s platform provides a customer conversion solution that allows retailers to offer flexible payment options, including installment plans, cash payments, and loans. This approach aims to enhance the payment experience for consumers while supporting businesses in optimizing their sales processes.

Selina Finance Limited is a digital finance company based in London, United Kingdom, established in 2018. It specializes in providing innovative financing solutions for both consumers and businesses, addressing the challenges of traditional lending. The company enables individuals to check their loan eligibility and offers tailored credit facilities for property investors and businesses. Selina Finance aims to unlock the value tied up in UK homes by offering an affordable line of credit secured against residential property. This solution is designed to be as flexible as a current account, as affordable as a mortgage, and as simple to apply for as a consumer loan, thereby catering to the evolving needs of homeowners who often rely on costly borrowing options. By integrating expertise from real estate, finance, and technology, Selina Finance delivers a next-generation lending experience, allowing customers to access funds without setup or early repayment fees.

OatFi provides the end-to-end infrastructure for B2B payment platforms to embed and monetize working capital tools.

Legiti is a startup focused on combating transactional fraud, specifically designed to secure credit card payments for e-commerce businesses. The company offers a platform that employs a data-centric approach, utilizing scalable infrastructure and advanced machine learning models to detect and mitigate fraudulent activities. By automating the fraud detection process, Legiti aims to enhance data privacy while maximizing retained revenue for its clients. The platform's primary goal is to reduce chargebacks and improve conversion rates, thereby allowing businesses to operate effectively within a secure environment.

Gotrade is a fractional share trading startup that provides an application enabling retail investors in 150 countries to invest commission-free in fractions of companies. The platform offers access to public equity markets, allowing users to trade fractional U.S. stocks specifically within Indonesian markets. It incorporates biometric access and bit encryption to enhance security, facilitating a low-risk investment environment. Users with accounts under $25,000 are permitted to make a maximum of three day trades every five trading days. Currently, access to the service is available on an invite-only basis.

Guru is a financial application aimed at young Brazilian investors, dedicated to simplifying the investment process. The platform provides a range of financial tools, including real-time profitability monitoring, market quotes, graphs, news, and various indicators. By offering these resources, Guru enables users to easily navigate and invest in different financial instruments, making investing more accessible and intuitive for its audience.

D2X Group is establishing a regulated cryptocurrency derivatives exchange based in the Netherlands, operating seven days a week. The exchange offers a range of cash-settled futures and options for Bitcoin and Ethereum, catering specifically to institutional investors. D2X Group employs a distinctive post-trade model that provides a capital-efficient alternative to central clearing, thereby enhancing the accessibility of digital assets for financial institutions. By adopting a regulatory-first approach, D2X aims to bridge the gap between traditional finance and the emerging digital asset market, helping institutions manage operational and regulatory risks while facilitating their entry into this evolving asset class. The company is supported by notable strategic investors, reflecting its commitment to fostering institutional adoption of cryptocurrency derivatives.

PayZen is a healthcare fintech startup founded in 2019 in San Francisco by Ariel Rosenthal, Itzik Cohen, and Tobias Mezger. The company addresses the challenge of patient payment responsibilities by providing a platform that allows patients to pay their out-of-pocket medical bills over time, enhancing convenience and transparency. PayZen's technology utilizes artificial intelligence to create tailored payment plans that cater to individual financial situations, thereby improving affordability for patients. This approach not only facilitates timely payments but also helps medical providers optimize cash flow and minimize the costs associated with collecting outstanding invoices. By focusing on patient financing solutions, PayZen enables healthcare providers to concentrate on delivering medical care rather than managing financial transactions.

Aplazo is a fintech company that focuses on enhancing financial access and opportunities in Mexico. Its platform allows users to make online purchases at affiliated stores and pay for them in installments. Customers can apply through the website and choose a delayed payment option, which enables them to manage their finances more effectively. This installment payment plan not only benefits users by providing flexibility in payment but also helps businesses expand their customer base by tapping into new marketing channels. Aplazo aims to empower individuals with financial solutions that promote responsible spending and improve overall access to goods and services.

Billie GmbH, founded in 2016 and based in Berlin, Germany, specializes in providing innovative financial solutions for small and medium-sized enterprises (SMEs). The company offers pre-financing of invoices and online factoring services, addressing the order-to-cash challenges faced by businesses. Billie’s platform enables SMEs to manage their working capital more effectively through fully automated invoice financing. Additionally, the company provides a pay-after-delivery product for B2B online merchants, allowing them to secure better payment terms. By leveraging big data analytics and digital processes, Billie facilitates instant financing at the point of sale, helping SMEs streamline their invoicing and payment processes while avoiding hidden fees and excessive paperwork.

MODIFI GmbH is a Berlin-based company that specializes in providing an online platform for global trade financing, tailored specifically for small and medium-sized enterprises (SMEs). Founded in 2018, MODIFI facilitates international trade by offering digital solutions that enable suppliers to receive instant payments while allowing buyers to defer payments for up to 180 days. The platform aims to enhance liquidity and flexibility for businesses, thereby promoting growth and fostering strong international partnerships. Additionally, MODIFI's trade finance services address the financial challenges faced by SMEs in navigating cross-border transactions, simplifying the financing process and minimizing administrative burdens.

WeRize is a pioneering fintech platform in India that addresses the financial needs of middle-class families in tier 2 to tier 4 cities, a segment often overlooked by traditional financial institutions and existing fintechs. It offers a comprehensive range of customized credit, insurance, and savings products tailored for approximately 300 million individuals in these underserved areas, representing a significant market opportunity. Unlike conventional banks and insurers that rely on costly branch networks, WeRize leverages a social distribution model, enabling financially literate freelancers in over 1,000 cities to sell its products within their communities. This approach not only fosters trust but also provides the high-touch sales and after-sales service essential for customers in smaller towns. Through its proprietary technology platform, WeRize efficiently manages its freelancers, allowing for scalable operations and a more sustainable business model with lower customer acquisition costs. By focusing on the unique needs of small-town families, WeRize is reshaping the landscape of financial services in India.

Basic Enterprises Pvt Ltd operates a technology-driven platform aimed at automating the home loan process for middle and low-income households in India. Established in 2020 and based in Gurugram, the company offers a range of services that include access to multiple lenders, tracking of applications and approvals, loan sanctions, and disbursements. The platform also features an earnings tracker and eligibility calculators to assist users in navigating the home loan process. Additionally, Basic Enterprises provides integrated customer relationship management tools for home loan agents, facilitating a more efficient service delivery. By leveraging an asset-light agent network, the company aims to expedite loan disbursements and enhance the overall experience for families seeking home loans, making the process faster, simpler, and more accessible.

Morada Uno is a technology company that focuses on enhancing the real estate industry by offering tools and financial products aimed at real estate brokers and professionals. The company provides services that facilitate the screening, collection, and insurance of residential leases. By equipping real estate professionals with resources to streamline interactions between property owners and tenants, Morada Uno enables efficient transaction closures and effective asset management for its clients. The company's solutions aim to create a digital, seamless, and secure rental experience in the real estate market.

Aplazo is a fintech company that focuses on enhancing financial access and opportunities in Mexico. Its platform allows users to make online purchases at affiliated stores and pay for them in installments. Customers can apply through the website and choose a delayed payment option, which enables them to manage their finances more effectively. This installment payment plan not only benefits users by providing flexibility in payment but also helps businesses expand their customer base by tapping into new marketing channels. Aplazo aims to empower individuals with financial solutions that promote responsible spending and improve overall access to goods and services.

Pectus Finance is a financial planning and analysis platform that caters to various sectors, including SaaS, manufactured goods, fintech, and e-commerce. The company develops software aimed at enhancing the efficiency and accuracy of finance teams by integrating seamlessly with existing systems. Pectus Finance offers features such as data analytics, real-time reporting, and collaborative planning, which allow users to update budgets and forecasts effortlessly. This functionality empowers finance teams to improve business performance and make informed decisions.

Caju is a Brazilian company founded in 2019, based in Pinheiros, that specializes in providing a comprehensive employee benefits platform. The company offers a benefit card that enables employees to access various benefits, including food stamps, transportation costs, and other human resource-related perks. Caju's platform allows companies to register employees and manage their benefits efficiently. Each employee receives a single Visa card, which can be used across multiple categories such as food, meal, mobility, culture, health, education, and home office expenses. Additionally, Caju's application tracks all benefits and vouchers, helping both companies and employees monitor their usage and adjust benefits according to individual needs and company policies.

Gotrade is a fractional share trading startup that provides an application enabling retail investors in 150 countries to invest commission-free in fractions of companies. The platform offers access to public equity markets, allowing users to trade fractional U.S. stocks specifically within Indonesian markets. It incorporates biometric access and bit encryption to enhance security, facilitating a low-risk investment environment. Users with accounts under $25,000 are permitted to make a maximum of three day trades every five trading days. Currently, access to the service is available on an invite-only basis.

HAWK:AI GmbH is a fintech company based in Munich, Germany, founded in 2018. The company specializes in providing a money laundering detection and investigation platform that leverages machine-learning techniques to assist financial institutions in combating financial crime. HAWK:AI supports the end-to-end financial crime compliance process, encompassing transaction monitoring, investigation, filing, and maintaining audit trails. By focusing on effective information sharing, the platform enhances the capabilities of anti-money laundering and fraud surveillance teams within banks, payment companies, and fintech organizations, ultimately improving their efficiency and effectiveness in addressing financial corruption.

Paytron, LLC operates a comprehensive fintech platform aimed at enhancing the financial operations of small and medium-sized enterprises (SMEs). Founded in 2015 and based in Las Vegas, Nevada, the company offers a range of services including credit and debit card processing, secure gateway processing, and point of sale hardware. Additionally, Paytron provides a modern transaction account that facilitates efficient payments, invoice approvals, and bank linking, while also automating bookkeeping tasks. Its platform supports cross-border transactions with features such as international payroll management and currency risk management, enabling businesses to streamline their cash flow and enhance financial insights. Overall, Paytron is dedicated to helping SMEs and their accountants optimize resources and improve operational efficiency.

Xepelin is a financial technology company focused on transforming business finance for small and medium-sized enterprises (SMEs) in Latin America. The company offers a range of digital financial services, including short-term and long-term loans, capital credits, and accounts payable financing through an online platform. Xepelin aims to provide SMEs with economic freedom in their financial decisions by allowing clients to personalize services to meet their specific needs. With a team of over 500 employees, Xepelin leverages advanced financial indicators and risk assessments to streamline decision-making processes within the business ecosystem. The company is supported by notable investors, positioning it as a leader in the region's evolving financial landscape.

PayZen is a healthcare fintech startup founded in 2019 in San Francisco by Ariel Rosenthal, Itzik Cohen, and Tobias Mezger. The company addresses the challenge of patient payment responsibilities by providing a platform that allows patients to pay their out-of-pocket medical bills over time, enhancing convenience and transparency. PayZen's technology utilizes artificial intelligence to create tailored payment plans that cater to individual financial situations, thereby improving affordability for patients. This approach not only facilitates timely payments but also helps medical providers optimize cash flow and minimize the costs associated with collecting outstanding invoices. By focusing on patient financing solutions, PayZen enables healthcare providers to concentrate on delivering medical care rather than managing financial transactions.

Narmi Inc. is a technology company based in New York that specializes in developing online and mobile banking applications for financial institutions across the United States. Founded in 2016, Narmi focuses on providing regional and community banks and credit unions with a platform that streamlines account opening processes, allowing clients to complete this in under 2.5 minutes. The company’s offerings include features such as fraud protection, multi-factor authentication, and transaction monitoring, which help enhance security and user experience. In addition to banking applications, Narmi also provides website design, development, and hosting services, as well as content generation and management solutions. Their goal is to enable financial institutions to attract, engage, and retain customers through an intuitive, omnichannel banking experience.

Xepelin is a financial technology company focused on transforming business finance for small and medium-sized enterprises (SMEs) in Latin America. The company offers a range of digital financial services, including short-term and long-term loans, capital credits, and accounts payable financing through an online platform. Xepelin aims to provide SMEs with economic freedom in their financial decisions by allowing clients to personalize services to meet their specific needs. With a team of over 500 employees, Xepelin leverages advanced financial indicators and risk assessments to streamline decision-making processes within the business ecosystem. The company is supported by notable investors, positioning it as a leader in the region's evolving financial landscape.

Alma SAS is a French company that operates a payment platform designed for online businesses. Founded in 2018 and headquartered in Neuilly-sur-Seine, the company offers a range of services that facilitate payment management, accounting exports, and data analysis for its clients. Alma’s platform provides a customer conversion solution that allows retailers to offer flexible payment options, including installment plans, cash payments, and loans. This approach aims to enhance the payment experience for consumers while supporting businesses in optimizing their sales processes.

Paytron, LLC operates a comprehensive fintech platform aimed at enhancing the financial operations of small and medium-sized enterprises (SMEs). Founded in 2015 and based in Las Vegas, Nevada, the company offers a range of services including credit and debit card processing, secure gateway processing, and point of sale hardware. Additionally, Paytron provides a modern transaction account that facilitates efficient payments, invoice approvals, and bank linking, while also automating bookkeeping tasks. Its platform supports cross-border transactions with features such as international payroll management and currency risk management, enabling businesses to streamline their cash flow and enhance financial insights. Overall, Paytron is dedicated to helping SMEs and their accountants optimize resources and improve operational efficiency.

Rain Technologies Inc. is a financial technology company based in Los Angeles, California, founded in 2019. The company develops applications aimed at enhancing employees' financial health by providing them with on-demand access to their earned wages. Rain's platform integrates with existing payroll systems, allowing employees to withdraw portions of their earned wages at any time, rather than waiting for the traditional payday. This service is offered as a voluntary benefit at no cost to employers. The Rain Instant Pay app not only facilitates wage access but also includes features such as overdraft protection through a checking account option, notifications for upcoming bills, and various budgeting and saving tools. By providing an alternative source for cash, Rain helps businesses support their employees in managing finances more effectively and avoiding reliance on payday loans.

Cove Living Pte Ltd is a real estate company based in Singapore that specializes in property broking and management services. Incorporated in 2018, Cove operates as a technology-driven platform, providing ready-to-live homes for young professionals, students, and travelers in Southeast Asia's urban destinations. The company allows landlords to list their properties on its portal, enhancing visibility and revenue potential. In addition to property listings, Cove offers a range of services to landlords, including demand and revenue generation, property design, and operational management, aimed at maximizing return on investment.

Basic Enterprises Pvt Ltd operates a technology-driven platform aimed at automating the home loan process for middle and low-income households in India. Established in 2020 and based in Gurugram, the company offers a range of services that include access to multiple lenders, tracking of applications and approvals, loan sanctions, and disbursements. The platform also features an earnings tracker and eligibility calculators to assist users in navigating the home loan process. Additionally, Basic Enterprises provides integrated customer relationship management tools for home loan agents, facilitating a more efficient service delivery. By leveraging an asset-light agent network, the company aims to expedite loan disbursements and enhance the overall experience for families seeking home loans, making the process faster, simpler, and more accessible.

HAWK:AI GmbH is a fintech company based in Munich, Germany, founded in 2018. The company specializes in providing a money laundering detection and investigation platform that leverages machine-learning techniques to assist financial institutions in combating financial crime. HAWK:AI supports the end-to-end financial crime compliance process, encompassing transaction monitoring, investigation, filing, and maintaining audit trails. By focusing on effective information sharing, the platform enhances the capabilities of anti-money laundering and fraud surveillance teams within banks, payment companies, and fintech organizations, ultimately improving their efficiency and effectiveness in addressing financial corruption.

Selina Finance Limited is a digital finance company based in London, United Kingdom, established in 2018. It specializes in providing innovative financing solutions for both consumers and businesses, addressing the challenges of traditional lending. The company enables individuals to check their loan eligibility and offers tailored credit facilities for property investors and businesses. Selina Finance aims to unlock the value tied up in UK homes by offering an affordable line of credit secured against residential property. This solution is designed to be as flexible as a current account, as affordable as a mortgage, and as simple to apply for as a consumer loan, thereby catering to the evolving needs of homeowners who often rely on costly borrowing options. By integrating expertise from real estate, finance, and technology, Selina Finance delivers a next-generation lending experience, allowing customers to access funds without setup or early repayment fees.

Alma SAS is a French company that operates a payment platform designed for online businesses. Founded in 2018 and headquartered in Neuilly-sur-Seine, the company offers a range of services that facilitate payment management, accounting exports, and data analysis for its clients. Alma’s platform provides a customer conversion solution that allows retailers to offer flexible payment options, including installment plans, cash payments, and loans. This approach aims to enhance the payment experience for consumers while supporting businesses in optimizing their sales processes.

Rhino Labs Inc., established in 2017 and based in New York, is a licensed insurance agency specializing in personalized solutions for residential units. The company offers insurance products that safeguard landlords' properties against damages and unpaid rent, while providing renters with an alternative to traditional security deposits through a low monthly fee. This innovative approach aims to enhance affordability for renters and reduce vacancies for landlords.

Cove Living Pte Ltd is a real estate company based in Singapore that specializes in property broking and management services. Incorporated in 2018, Cove operates as a technology-driven platform, providing ready-to-live homes for young professionals, students, and travelers in Southeast Asia's urban destinations. The company allows landlords to list their properties on its portal, enhancing visibility and revenue potential. In addition to property listings, Cove offers a range of services to landlords, including demand and revenue generation, property design, and operational management, aimed at maximizing return on investment.

Billie GmbH, founded in 2016 and based in Berlin, Germany, specializes in providing innovative financial solutions for small and medium-sized enterprises (SMEs). The company offers pre-financing of invoices and online factoring services, addressing the order-to-cash challenges faced by businesses. Billie’s platform enables SMEs to manage their working capital more effectively through fully automated invoice financing. Additionally, the company provides a pay-after-delivery product for B2B online merchants, allowing them to secure better payment terms. By leveraging big data analytics and digital processes, Billie facilitates instant financing at the point of sale, helping SMEs streamline their invoicing and payment processes while avoiding hidden fees and excessive paperwork.

MODIFI GmbH is a Berlin-based company that specializes in providing an online platform for global trade financing, tailored specifically for small and medium-sized enterprises (SMEs). Founded in 2018, MODIFI facilitates international trade by offering digital solutions that enable suppliers to receive instant payments while allowing buyers to defer payments for up to 180 days. The platform aims to enhance liquidity and flexibility for businesses, thereby promoting growth and fostering strong international partnerships. Additionally, MODIFI's trade finance services address the financial challenges faced by SMEs in navigating cross-border transactions, simplifying the financing process and minimizing administrative burdens.

Narmi Inc. is a technology company based in New York that specializes in developing online and mobile banking applications for financial institutions across the United States. Founded in 2016, Narmi focuses on providing regional and community banks and credit unions with a platform that streamlines account opening processes, allowing clients to complete this in under 2.5 minutes. The company’s offerings include features such as fraud protection, multi-factor authentication, and transaction monitoring, which help enhance security and user experience. In addition to banking applications, Narmi also provides website design, development, and hosting services, as well as content generation and management solutions. Their goal is to enable financial institutions to attract, engage, and retain customers through an intuitive, omnichannel banking experience.

* At MoneyOnClick we are building India’s largest financial services brand for the 500 Mn lower middle income customers in 4000+ small cities (which we term as “India 4”). This customer segment has very little penetration of formal loans, insurance or saving products as existing financial service players see this segment as risky and non profitable . We have created custom lending, insurance and saving products that are tailormade to serve the needs of India4 customers. * To reach these customers at low CAC, we have built a proprietary tech enabled offline-to-online social distribution channel where we have onboarded thousands of financially literate free-lancers such as LIC agents and junior financial sector employees in 1000+ cities. Our fully automated social partner app is available in 8 Indian languages and helps us manage these partners remotely without any physical presence. * The general perception is that this customer segment is highly risky and non lendable. We are happy to share that we have been able to maintain near 0% default rates despite Covid19 . Our proprietary ML based family underwriting where we evaluate the P&L of the family and give a joint liability family loan has helped us maintain these low default rates.

Narmi Inc. is a technology company based in New York that specializes in developing online and mobile banking applications for financial institutions across the United States. Founded in 2016, Narmi focuses on providing regional and community banks and credit unions with a platform that streamlines account opening processes, allowing clients to complete this in under 2.5 minutes. The company’s offerings include features such as fraud protection, multi-factor authentication, and transaction monitoring, which help enhance security and user experience. In addition to banking applications, Narmi also provides website design, development, and hosting services, as well as content generation and management solutions. Their goal is to enable financial institutions to attract, engage, and retain customers through an intuitive, omnichannel banking experience.

Rhino Labs Inc., established in 2017 and based in New York, is a licensed insurance agency specializing in personalized solutions for residential units. The company offers insurance products that safeguard landlords' properties against damages and unpaid rent, while providing renters with an alternative to traditional security deposits through a low monthly fee. This innovative approach aims to enhance affordability for renters and reduce vacancies for landlords.

Mira Financial, Inc. is an online insurance brokerage founded in 2016 and based in New York, New York. The company specializes in providing affordable life insurance services, particularly for individuals with diabetes and other health conditions. Utilizing advanced technology, including machine learning and artificial intelligence, Mira's platform enables users to compare insurance quotes from various insurers and receive tailored advice on selecting suitable policies. By leveraging big data and partnering with prominent reinsurance and insurance companies, Mira aims to facilitate access to life insurance at competitive prices, ensuring that customers have the information needed to make informed decisions about their coverage.

Blok, a Digital real estate agent and one of Finland's biggest startup sensations. Blok aims to make apartment and house sales more cheap and efficient through an automated service. Through its online platform, Blok takes care of most routine tasks related to apartment sales, such as valuation (where the AI comes in), photographing, marketing and handling of documents. The seller only has to arrange viewings for potential buyers. Blok has attracted both sellers who prefer brokers as well as those who would normally sell their own flats.

Loot Financial Services Ltd., based in London, provides current account services and contactless Mastercard offerings. Established in 2014, Loot combines a prepaid debit card with a budgeting application that allows users to manage their finances effectively. The app offers features such as weekly budgeting data, real-time spending information, and the ability to pause or unpause the card. By automating expense tracking, Loot simplifies financial management for its users. The company is also exploring business-to-business solutions aimed at customer acquisition and loyalty enhancement, while seeking strategic investors for a global launch.

Billie GmbH, founded in 2016 and based in Berlin, Germany, specializes in providing innovative financial solutions for small and medium-sized enterprises (SMEs). The company offers pre-financing of invoices and online factoring services, addressing the order-to-cash challenges faced by businesses. Billie’s platform enables SMEs to manage their working capital more effectively through fully automated invoice financing. Additionally, the company provides a pay-after-delivery product for B2B online merchants, allowing them to secure better payment terms. By leveraging big data analytics and digital processes, Billie facilitates instant financing at the point of sale, helping SMEs streamline their invoicing and payment processes while avoiding hidden fees and excessive paperwork.

Blok, a Digital real estate agent and one of Finland's biggest startup sensations. Blok aims to make apartment and house sales more cheap and efficient through an automated service. Through its online platform, Blok takes care of most routine tasks related to apartment sales, such as valuation (where the AI comes in), photographing, marketing and handling of documents. The seller only has to arrange viewings for potential buyers. Blok has attracted both sellers who prefer brokers as well as those who would normally sell their own flats.

Rhino Labs Inc., established in 2017 and based in New York, is a licensed insurance agency specializing in personalized solutions for residential units. The company offers insurance products that safeguard landlords' properties against damages and unpaid rent, while providing renters with an alternative to traditional security deposits through a low monthly fee. This innovative approach aims to enhance affordability for renters and reduce vacancies for landlords.

Leadhome, established in 2013 and headquartered in Randburg, South Africa, is a modern real estate agency that combines skilled agents with innovative technology. The company specializes in selling, buying, and letting properties, along with home loan services. Leadhome's unique business model includes no upfront deposits and a flat fee of R39,995 + VAT, payable only upon successful transfer. This fee covers comprehensive support from full-service agents who assist clients throughout the process, from property valuation to sale. The company aims to transform the real estate industry by offering an efficient and cost-effective approach to property transactions.

Billie GmbH, founded in 2016 and based in Berlin, Germany, specializes in providing innovative financial solutions for small and medium-sized enterprises (SMEs). The company offers pre-financing of invoices and online factoring services, addressing the order-to-cash challenges faced by businesses. Billie’s platform enables SMEs to manage their working capital more effectively through fully automated invoice financing. Additionally, the company provides a pay-after-delivery product for B2B online merchants, allowing them to secure better payment terms. By leveraging big data analytics and digital processes, Billie facilitates instant financing at the point of sale, helping SMEs streamline their invoicing and payment processes while avoiding hidden fees and excessive paperwork.