Seed X Liechtenstein

Vouchsafe is a provider of biometric identity verification solutions, focusing on creating a seamless verification process for users. The company's platform allows for the verification of identities without the requirement for traditional forms of identification such as photo IDs, passports, or driving licenses. Instead, it enables users to authenticate their identity through trusted connections, streamlining the verification process for compliance, risk, and trust teams. Vouchsafe aims to facilitate frictionless identity verification while enhancing security and trust in various applications.

FlatPeak is an energy data and intelligence platform designed to facilitate the transition from fossil fuels to renewable energy. The company connects device manufacturers with customers' real-time electricity tariffs, allowing for optimization of energy consumption based on availability and cost. Its platform links appliances to consumers' energy accounts, enabling them to receive tariff information and send back consumption data through a universal API. This functionality empowers businesses to minimize their carbon footprint and reduce electricity costs while enhancing the efficiency of their operations.

Jove is a provider of specialty business insurance tailored for contractors, consultants, experts, advisors, and small to medium-sized enterprises (SMEs). The company focuses on protecting businesses against compensation claims related to bodily harm, property damage, and financial loss that may arise during interactions with customers, contractors, and suppliers. Jove's innovative insurance platform incorporates an embedded system that allows for the automatic application of insurance coverage, ensuring that businesses can easily access various insurance products, including liability, motor, and health coverage. This project-by-project approach enables companies to promptly identify under-insured workers and maintain compliance with insurance requirements. In addition to coverage, Jove offers legal support to assist businesses in defending against claims.

UnitPlus is a Berlin-based WealthTech startup that offers innovative financial solutions through its Neo Asset Manager platform. The company focuses on providing seamless investment opportunities for both short- and long-term goals. In May 2023, UnitPlus launched CashPlus, a next-generation savings account designed to enhance users' saving behavior and investment strategies. Following this, they introduced UnitPlus Business, a sophisticated cash management solution specifically designed for small and medium-sized enterprises. This platform equips SMEs with advanced financial tools, akin to those used by major investment firms, to better manage their capital. UnitPlus aims to create a digital capital market CFO, enhancing financial management for businesses and individuals alike.

ReceiptHero is an innovative digital eReceipt platform that facilitates the seamless transfer of digital receipts from point of sale systems to banking and accounting applications. The platform is designed to enhance customer experience and loyalty for merchants by transforming traditional transactions into meaningful interactions. By enabling customer identification at the cashier through payment cards, ReceiptHero creates a secure environment for consumers, merchants, and banks to engage effectively. This capability allows various stakeholders, including banks and expense management systems, to better connect with customers and improve their overall experience.

Trustap Ltd is a transaction platform based in Carrigaline, Ireland, founded in 2016. The company's primary focus is to enhance security for buyers and sellers engaging in online or in-person transactions with strangers. Trustap operates as a personal escrow service, acting as a neutral third party that holds funds securely until both parties are satisfied with the transaction. This innovative approach aims to minimize the risk of scams, as it only releases the money once transaction milestones are met and any complaint periods have elapsed. By providing a reliable and secure payment technology, Trustap enables users to conduct transactions with greater confidence and peace of mind.

Scaleup Finance is a subscription-based financial management platform focused on assisting startup companies with their financial needs. The company provides a Chief Financial Officer as a service, offering a digital cockpit that enhances financial management and administration for small businesses. By streamlining financial operations, Scaleup Finance enables clients to maintain control over their finances, allowing them to focus on areas that contribute greater value to their business.

Rivero is a privately held company focused on enhancing card payment operations through its software-as-a-service (SaaS) solutions. It caters to various stakeholders within the card payment ecosystem, including issuers, acquirers, and FinTech firms. Rivero's leading products, Kajo and Amiko, address critical challenges in the payments landscape. Kajo serves as a specialized tool for payment scheme compliance, significantly reducing risks for payment network licensees. Amiko, on the other hand, transforms the processes of fraud recovery and dispute management by digitizing these functions, thereby improving efficiency for issuing banks and bolstering consumer protection. Through these innovations, Rivero aims to streamline payment operations while enabling banks to maintain direct relationships with their customers.

Numarics is Switzerland's first fully digital accounting ecosystem, designed to simplify business management for entrepreneurs through a mobile-first approach. Launched in 2020, the platform offers a comprehensive suite of services, including accounting, payroll, tax returns, invoicing, and document management, all streamlined within a single application accessible via web or mobile. Developed by experts in accounting, digitalization, artificial intelligence, and auditing, Numarics aims to eliminate bureaucratic hurdles and repetitive manual tasks, enabling real-time accounting that allows businesses to efficiently manage transactions and maintain accurate financial records. This innovative ecosystem fosters transparency and accessibility, integrating seamlessly into the daily operations of modern entrepreneurs.

Next Gate Tech SA is a software-as-a-service provider specializing in automation solutions for the asset management industry. Established in 2015 and headquartered in Luxembourg City, the company utilizes advanced cloud technology to consolidate data from various unstructured sources into a single, coherent platform. This integration allows clients to streamline their middle and back-office operations effectively. Next Gate Tech offers analytics tools for automated oversight in areas such as net asset value (NAV), risk management, and environmental, social, and governance (ESG) compliance. By eliminating the need for multiple legacy systems and point solutions, the company enhances operational efficiency, reduces risks, and lowers both technology and manual costs for its clients.

Keyzy is a FinTech and PropTech company focused on facilitating home ownership for young professionals and first-time buyers. Recognizing the challenges posed by high property prices and stringent mortgage criteria, Keyzy offers an innovative rent-to-own model. The company purchases a home on behalf of the client and rents it for a predetermined period of three to seven years. During this time, a portion of the monthly rent—up to 25%—is credited towards a future deposit. At the end of the rental term, clients have the option to buy the home at the original purchase price, minus the accumulated deposit. By addressing the barriers that prevent many, including essential workers, from owning homes, Keyzy aims to disrupt the cycle of renting and support clients in achieving their home ownership goals.

Sprinque is an Amsterdam-based company founded in 2021 by Juan Espinosa, Manoj Tutika, and Mark Holleman. It specializes in providing a B2B checkout platform tailored for merchants and marketplaces. The platform allows these businesses to offer pay-by-invoice options with net payment terms to their online buyers without incurring additional risk or operational overhead. This solution enables business buyers to choose their preferred payment method and timing, while ensuring that sellers receive instant upfront payments regardless of the buyer's payment schedule.

Digip is a Swedish legal technology SaaS company that specializes in affordable and accessible trademark protection. It combines technological innovation with intellectual property expertise to streamline processes and reduce costs for customers seeking to protect their trademarks. Digip's software enables on-demand trademark registration, infringement protection, domain management, and global brand name protection in a user-friendly digital environment.

Next Gate Tech SA is a software-as-a-service provider specializing in automation solutions for the asset management industry. Established in 2015 and headquartered in Luxembourg City, the company utilizes advanced cloud technology to consolidate data from various unstructured sources into a single, coherent platform. This integration allows clients to streamline their middle and back-office operations effectively. Next Gate Tech offers analytics tools for automated oversight in areas such as net asset value (NAV), risk management, and environmental, social, and governance (ESG) compliance. By eliminating the need for multiple legacy systems and point solutions, the company enhances operational efficiency, reduces risks, and lowers both technology and manual costs for its clients.

ReceiptHero is an innovative digital eReceipt platform that facilitates the seamless transfer of digital receipts from point of sale systems to banking and accounting applications. The platform is designed to enhance customer experience and loyalty for merchants by transforming traditional transactions into meaningful interactions. By enabling customer identification at the cashier through payment cards, ReceiptHero creates a secure environment for consumers, merchants, and banks to engage effectively. This capability allows various stakeholders, including banks and expense management systems, to better connect with customers and improve their overall experience.

Numarics is Switzerland's first fully digital accounting ecosystem, designed to simplify business management for entrepreneurs through a mobile-first approach. Launched in 2020, the platform offers a comprehensive suite of services, including accounting, payroll, tax returns, invoicing, and document management, all streamlined within a single application accessible via web or mobile. Developed by experts in accounting, digitalization, artificial intelligence, and auditing, Numarics aims to eliminate bureaucratic hurdles and repetitive manual tasks, enabling real-time accounting that allows businesses to efficiently manage transactions and maintain accurate financial records. This innovative ecosystem fosters transparency and accessibility, integrating seamlessly into the daily operations of modern entrepreneurs.

Lano is a global software solution that facilitates the hiring and payment of full-time employees and contractors in over 170 countries, ensuring compliance with local regulations. The company provides a cloud-based platform that streamlines global hiring, payments, and payroll operations, eliminating the need for establishing local legal entities. With a network of employment, tax, and compliance experts, Lano serves more than 1,500 businesses, ranging from high-growth startups to large enterprises. Its platform offers tools to automate and enhance the talent sourcing process, allowing organizations to efficiently manage their external workforce and make informed decisions. By simplifying market entry, Lano significantly reduces the time required to build local teams from months to just days, ultimately helping businesses save time and reduce costs.

Helvengo is a digital managing general agent (MGA) that specializes in providing comprehensive insurance solutions for small and medium enterprises (SMEs). The company leverages an AI-based risk analysis to identify potential coverage gaps, facilitating a thorough understanding of insurance needs. Helvengo's platform streamlines the insurance process for SMEs and their advisors through an entirely digital interface, which includes automated quote calculations that deliver real-time offers. By addressing common challenges in SME insurance, such as opaque offers and complex premium structures, Helvengo enables businesses to access transparent, tailored insurance products that are designed to meet their specific requirements.

DeepStream Technologies is a London-based company founded in 2016 that specializes in providing a cloud-based software-as-a-service platform designed to streamline source-to-contract workflows for procurement professionals. The platform enables businesses to manage all aspects of their procurement processes, including requests for proposals, information, and quotes, in one integrated solution. By offering customizable tools tailored to specific workflows, DeepStream enhances decision-making transparency, automates processes, and reduces transactional costs, all while facilitating the identification of optimal suppliers. The company prides itself on its interdisciplinary team, which brings diverse perspectives to innovate within a traditionally rigid industry. DeepStream collaborates with leading companies across various sectors, empowering teams globally to reach their full potential through improved procurement practices.

Jove is a provider of specialty business insurance tailored for contractors, consultants, experts, advisors, and small to medium-sized enterprises (SMEs). The company focuses on protecting businesses against compensation claims related to bodily harm, property damage, and financial loss that may arise during interactions with customers, contractors, and suppliers. Jove's innovative insurance platform incorporates an embedded system that allows for the automatic application of insurance coverage, ensuring that businesses can easily access various insurance products, including liability, motor, and health coverage. This project-by-project approach enables companies to promptly identify under-insured workers and maintain compliance with insurance requirements. In addition to coverage, Jove offers legal support to assist businesses in defending against claims.

Digip is a Swedish legal technology SaaS company that specializes in affordable and accessible trademark protection. It combines technological innovation with intellectual property expertise to streamline processes and reduce costs for customers seeking to protect their trademarks. Digip's software enables on-demand trademark registration, infringement protection, domain management, and global brand name protection in a user-friendly digital environment.

Dabbel is an innovative developer of an AI-autonomous building management system that enhances the efficiency of building control systems beyond human capabilities. The company's technology oversees and optimizes various aspects of building operations, including temperature, ventilation, and lighting, through a self-learning and adaptable cognitive artificial intelligence framework. This approach allows Dabbel to significantly lower implementation, energy, and operational costs by 20-40%, while concurrently improving the wellness and productivity of occupants within the buildings. By transforming commercial structures into AI-driven environments, Dabbel positions itself as a leader in the field, capable of implementing its solutions in just two weeks, ultimately contributing to reduced energy consumption and carbon emissions in the commercial sector.

Clink is a technology company that transforms any WiFi-enabled venue into a social network, facilitating connections among patrons and enhancing their interaction with the venue. Founded in April 2012 by Scott Horn, the idea originated while he was managing a nightclub, aiming to create a platform for individuals to connect with others in various locations. Clink distinguishes itself by allowing users to check in at venues, providing personalized advertising based on their preferences and enabling communication among attendees. The application was developed in collaboration with Richard Abel and launched in its first nightclub shortly after its initial release on Android. Clink's ongoing evolution includes plans for an iOS version, further expanding its reach within the nightlife and entertainment industry.

Elucidate GmbH, founded in 2019 and based in Berlin, Germany, specializes in developing a financial crime risk management platform. The company's platform, Elucidate FinCrime Index (EFI), employs probabilistic modeling and machine learning to assess and manage financial crime risks for financial institutions. By providing ratings and data analysis, Elucidate helps businesses grow and promote lawful behavior, fostering a fairer and more transparent system. The platform enables seamless collaboration between front and back office teams, enhancing customer service and reducing risk through comprehensive data analysis and continuous monitoring of risk exposure.

Helvengo is a digital managing general agent (MGA) that specializes in providing comprehensive insurance solutions for small and medium enterprises (SMEs). The company leverages an AI-based risk analysis to identify potential coverage gaps, facilitating a thorough understanding of insurance needs. Helvengo's platform streamlines the insurance process for SMEs and their advisors through an entirely digital interface, which includes automated quote calculations that deliver real-time offers. By addressing common challenges in SME insurance, such as opaque offers and complex premium structures, Helvengo enables businesses to access transparent, tailored insurance products that are designed to meet their specific requirements.

ZELF is a neobank fintech company dedicated to providing accessible financial services to younger generations. Operating in both the EU and the US, ZELF integrates banking functionalities into popular social messaging platforms such as WhatsApp, Facebook Messenger, Discord, Telegram, and Viber. The company aims to simplify monetary transactions by offering features such as AI-powered voice control, invoice creation, and tracking of unpaid invoices, allowing users to manage their finances effortlessly. In June 2022, ZELF introduced its "Bank of the Metaverse" campaign, which combines game assets, NFTs, and fiat currency under a single banking platform, further enhancing its appeal to a tech-savvy audience.

Sense Street Ltd. is a company based in Sevenoaks, United Kingdom, that specializes in capital market communications. Established in 2019, it focuses on transforming unstructured market conversations into a detailed understanding of liquidity in over-the-counter (OTC) capital markets. The company employs supervised learning algorithms to train neural networks, aiming to exceed the performance of traditional heuristic and unsupervised methods. By carefully annotating market conversations and structuring datasets, Sense Street enables investment banks and capital markets to effectively manage complex interactions with asset managers, facilitating the development of data-driven business models.

Acodis is a developer of document digitalization software that transforms various types of documents into structured data using advanced artificial intelligence. The company's technology is capable of understanding and processing documents regardless of their format or language, converting complex, unstructured content into valuable, machine-readable data in seconds. This enables businesses to automate their processes, enhance analytics, and efficiently manage information extraction. Acodis offers both standard solutions and customized technologies to meet diverse client needs, allowing seamless integration with existing systems and easy data export through APIs. By streamlining document handling, Acodis significantly reduces the time and resources spent on manual data entry, providing organizations with the tools needed to improve operational efficiency.

Remind.me is an online service based in Berlin that helps consumers optimize their energy contracts and other subscriptions, such as mobile and internet services. Launched in October 2017, the platform notifies users about upcoming termination dates, ensuring they never miss the opportunity to secure better deals. Remind.me offers a free service, providing users with tailored recommendations for affordable electricity and gas tariffs, among other contracts. The company aims to help consumers save at least €1,700 annually by facilitating access to favorable contract options. It operates on a commission-based model, earning fees from partners when users finalize contracts through the platform. Remind.me's founders, Daniel Engelbarts and Christian Lang, previously established Sparwelt.de, Germany's largest voucher portal, further showcasing their commitment to delivering the best value to consumers.

Elucidate GmbH, founded in 2019 and based in Berlin, Germany, specializes in developing a financial crime risk management platform. The company's platform, Elucidate FinCrime Index (EFI), employs probabilistic modeling and machine learning to assess and manage financial crime risks for financial institutions. By providing ratings and data analysis, Elucidate helps businesses grow and promote lawful behavior, fostering a fairer and more transparent system. The platform enables seamless collaboration between front and back office teams, enhancing customer service and reducing risk through comprehensive data analysis and continuous monitoring of risk exposure.

Sense Street Ltd. is a company based in Sevenoaks, United Kingdom, that specializes in capital market communications. Established in 2019, it focuses on transforming unstructured market conversations into a detailed understanding of liquidity in over-the-counter (OTC) capital markets. The company employs supervised learning algorithms to train neural networks, aiming to exceed the performance of traditional heuristic and unsupervised methods. By carefully annotating market conversations and structuring datasets, Sense Street enables investment banks and capital markets to effectively manage complex interactions with asset managers, facilitating the development of data-driven business models.

Reloadly Inc., headquartered in Miami, Florida, is a technology company that specializes in facilitating mobile payments globally. It operates a business-to-business cloud API platform designed for mobile top-ups, allowing businesses of all sizes to integrate digital mobile payments, gift cards, airtime and data bundles top-ups, and utility payments into their systems. The platform enables users to set up an account online and send mobile top-up airtime worldwide, supporting various industries in expanding their global payment networks.

EverReal GmbH, based in Munich, Germany, offers a B2B2C platform tailored for real estate companies to efficiently manage tenant relationships. The company's solutions cater to property managers, brokers, agents, landlords, developers, and asset managers, facilitating the entire rental process from tenant screening to property management. By streamlining operations and providing real-time access to essential information, EverReal enhances productivity and collaboration within the real estate sector. Its integrated ecosystem not only reduces rental efforts and costs for property owners but also aims to improve the overall experience for tenants, making real estate management simpler and more effective.

Troy is a FinTech company that specializes in friendly debt collection services, emphasizing a data-driven and omnichannel approach to customer experience. Recognizing that over 50% of customers may overlook payments or experience temporary financial difficulties, Troy focuses on maintaining strong relationships between creditors and their customers. The company combines advanced technology with extensive debt collection expertise and marketing best practices, positioning itself as a leader in customer experience within the debt collection sector in Europe. This innovative approach has demonstrated significant results, achieving debt recovery rates 25% to 80% higher than traditional agencies. With a customer satisfaction rating of 4.1 out of 5, Troy's services not only facilitate faster payment but also enhance overall customer relations. While primarily catering to corporate clients, the Troy platform also aids in digitizing and improving customer experience in other internal processes, showcasing its versatility and commitment to elevating client interactions.

Ontik is a provider of a modern payment platform designed to enhance the trade credit experience for merchants. The company focuses on automating critical credit processes to alleviate administrative burdens, allowing for real-time reporting and timely payments. By employing advanced credit technology and real-time risk assessment, Ontik aims to reduce credit risk and associated costs for businesses. Its platform offers a range of trading services, including trade account creation, cash flow management, portfolio management, and payment processing, thereby enabling merchants to optimize their trade credit programs and improve overall financial performance.