Seedcamp

Managing money coming in, money going out and the resulting cash flow is complex. The process is fragmented across banks, accounting platforms, accountants, FX tools, lenders, and more. At best, this complexity is an annoyance. At worst, it kills your company. Mimo offers a beautiful, easy-to-use tool to manage, understand and control payments and cash flow – saving you time and money.

ENAPI is a technology company specializing in the electric vehicle (EV) charging industry. It develops a connectivity platform that brokers transactions and clears payments between charge point operators and eMobility service providers, enhancing the charging experience for EV drivers. The platform uses the open charge point interface standard to ensure seamless connectivity and enable digital charging points, benefiting both consumers and businesses aiming to meet utilization targets.

9fin Limited is a London-based company founded in 2016 that specializes in developing artificial intelligence software designed to provide comprehensive financial data for the bond market, particularly focusing on high-yield bonds. The company offers a data analytics platform that utilizes computer vision and machine learning to facilitate the search, filtering, and analysis of financial information. By delivering real-time market news, deal monitoring, and price data presented in chart formats, 9fin supports professionals in finance, investment banking, and asset management in making informed investment decisions. Its tools foster collaboration among teams and assist users in assessing risks effectively, ultimately streamlining the decision-making process in the credit markets.

Fifth Dimension AI is a developer of artificial intelligence-powered solutions that focus on analyzing high-value data efficiently. The company's technology is designed to process unstructured data, facilitating investment analysis, asset management, and in-depth research. Additionally, Fifth Dimension AI aids in crafting effective marketing campaigns by ensuring clear data separation and defined ownership of data. This approach allows organizations to enhance their capabilities and significantly improve productivity, enabling them to generate better content and perform more effective marketing strategies.

Supercede is an independent reinsurance technology company focused on enhancing the traditional reinsurance value chain by providing a digital ecosystem for all stakeholders, including cedents, brokers, and reinsurers. The company has developed a powerful, data-centric trading platform that facilitates global reinsurance transactions. This platform features advanced analytics and an intuitive interface, allowing brokers to efficiently market risks to a worldwide audience of underwriters. Supercede promotes networking and collaboration through tools such as group chat, rapid file sharing, and integrated workflow management, all designed to optimize the reinsurance lifecycle. By streamlining processes from data capture to ongoing administration, Supercede aims to improve the efficiency and effectiveness of risk management in the reinsurance industry.

Light is a financial platform that offers fully automated general ledger and other accounting solution services for multinational companies through software.

Managing money coming in, money going out and the resulting cash flow is complex. The process is fragmented across banks, accounting platforms, accountants, FX tools, lenders, and more. At best, this complexity is an annoyance. At worst, it kills your company. Mimo offers a beautiful, easy-to-use tool to manage, understand and control payments and cash flow – saving you time and money.

ENAPI is a technology company specializing in the electric vehicle (EV) charging industry. It develops a connectivity platform that brokers transactions and clears payments between charge point operators and eMobility service providers, enhancing the charging experience for EV drivers. The platform uses the open charge point interface standard to ensure seamless connectivity and enable digital charging points, benefiting both consumers and businesses aiming to meet utilization targets.

Fiat Republic offers a banking and payments platform that aggregates multiple banks into a single API integration and unified onboarding, enabling crypto platforms to embed fiat payment flows into their technology stacks. Its fiat-as-a-service solution, regulated under traditional finance rules, provides access to IBANs and virtual accounts in local currencies, and supports local transfer rails such as SEPA, Faster Payments, Elixir, and Pix, with real-time foreign exchange. The company targets crypto sites with a crypto-focused, e-money-regulated software-as-a-service platform that delivers a banking and payments API powered by real-time data to embed and automate flows, broadening access to mainstream and local banking services and supporting participation in the Web3 economy.

Fifth Dimension AI is a developer of artificial intelligence-powered solutions that focus on analyzing high-value data efficiently. The company's technology is designed to process unstructured data, facilitating investment analysis, asset management, and in-depth research. Additionally, Fifth Dimension AI aids in crafting effective marketing campaigns by ensuring clear data separation and defined ownership of data. This approach allows organizations to enhance their capabilities and significantly improve productivity, enabling them to generate better content and perform more effective marketing strategies.

Trezy is a cash management platform that helps businesses streamline their financial processes and improve overall performance. The platform automates various administrative and financial tasks, providing users with enhanced control and visibility over their cash management. By sorting inflows and outflows, Trezy offers valuable insights that assist companies in making informed financial decisions. This comprehensive approach enables clients to manage their finances conveniently, ensuring traceability and clarity in their financial operations.

Griffin is a banking-as-a-service provider that offers a digital banking platform designed to facilitate financial services for the fintech sector. Its solution serves as an operating system for embedded finance, enabling companies to easily build and launch financial products. By streamlining the integration of complex payment systems, Griffin reduces costs and time to market while simplifying the process of establishing banking partnerships. The platform includes integrated compliance services, supporting businesses with custodial accounts and interbank payments, while ensuring adherence to know-your-customer and anti-money laundering regulations. This comprehensive approach allows global brands with intricate payment needs to enhance their customer experience through seamless embedded finance solutions.

Founded in Madrid in 2019, StudentFinance is a company that provides educational financing services. It uses AI-driven data forecasting to select students with technical skills who can become software engineers, data analysts, or cybersecurity experts. The company invests in these students' education and helps them secure jobs, with repayment tied to future earnings.

Sikoia is a London-based Fintech that automates key aspects of customer verification for financial services providers. It offers centralized customer data access, automated insights, and seamless integration via API or its Customer Evaluation Dashboard. Serving clients across multiple countries, Sikoia is regulated by the Financial Conduct Authority (FCA) as an Account Information Service Provider (AISP) and Credit Reference Provider.

Plumery is a digital engagement platform designed to assist banks of all sizes in creating effective mobile and web experiences for their customers. The company emphasizes the development and maintenance of advanced features and innovative technologies, which help banks enhance their digital initiatives. By offering a comprehensive solution, Plumery aims to provide banks with the tools necessary to deliver engaging experiences, ensuring they are well-equipped for success in a rapidly evolving digital landscape.

Salv is an Estonian anti-money laundering technology company based in Tallinn that develops a platform for banks and fintechs to detect and prevent financial crime. The platform covers online transaction screening, offline monitoring, sanctions screening, and risk-based governance, centralizes AML data, and automates repetitive tasks, while enabling collaboration among institutions by exchanging intelligence and data on potential threats and providing audit trails for regulators.

9fin Limited is a London-based company founded in 2016 that specializes in developing artificial intelligence software designed to provide comprehensive financial data for the bond market, particularly focusing on high-yield bonds. The company offers a data analytics platform that utilizes computer vision and machine learning to facilitate the search, filtering, and analysis of financial information. By delivering real-time market news, deal monitoring, and price data presented in chart formats, 9fin supports professionals in finance, investment banking, and asset management in making informed investment decisions. Its tools foster collaboration among teams and assist users in assessing risks effectively, ultimately streamlining the decision-making process in the credit markets.

TreeCard Limited is a London-based company that specializes in providing eco-friendly payment solutions. Founded in 2020, TreeCard offers a unique wooden debit card designed to promote sustainability and environmental awareness among its users. The card is primarily made from FSC-certified British cherry wood, with minimal plastic used for the contactless chip, sourced from recycled plastic bottles. This innovative product allows consumers to make digital payments while contributing to reforestation efforts, as the interchange fees generated from transactions are allocated towards funding tree planting initiatives. Additionally, TreeCard integrates features such as expenditure tracking and compatibility with mobile payment platforms like Apple Pay, Google Pay, and Samsung Pay, enhancing user convenience while fostering responsible financial practices.

Koyo is a financial services company that specializes in providing personal loans to individuals with short credit histories. By offering fairly priced credit, Koyo aims to assist young people, immigrants, and students in accessing competitive financial products. In addition to loan services, the company also provides coaching to help customers improve their credit scores, empowering them to make informed financial decisions and enhance their creditworthiness over time.

Ben is an employee benefits platform that enables companies to personalize benefits and rewards. It combines a modern software platform with per-employee Mastercards and financial infrastructure to offer instant employee choice and access to hundreds of additional options, saving time and money.

Troop is a fintech platform based in Brooklyn, New York, that aims to empower activist investors by providing them with resources and tools to enhance shareholder rights and facilitate collective action. Founded in 2021, the platform serves as a community application where shareholders can unite to influence the companies they invest in. Troop acts as a proxy solicitor for both institutional activist funds and smaller, first-time shareholders, effectively offering a comprehensive toolkit for shareholder activism. By enabling users to collaborate and advocate for changes—whether for societal, environmental, or financial improvements—Troop seeks to enhance shareholder value and drive meaningful change within organizations.

Klasha is a global technology company that provides a platform and APIs to move money to and from emerging markets. The platform enables businesses to collect and send payments and hold exotic currencies through an extensive API stack, supporting cross-border transactions for enterprise clients. It offers secure, fast payment processing, multi-currency settlement, and developer-friendly integration to simplify international commerce in emerging markets. Founded in 2021 by Jess Anuna, Klasha supports more than 120 currencies, with the aim of saving merchants time and money on cross-border payments.

Alloy operates a financial platform designed to equip sophisticated investors with the necessary infrastructure to engage with decentralized finance. The platform features an intuitive client-facing interface, akin to a brokerage trading platform, and offers an API solution for seamless integration into existing systems. By combining trading, risk management, and investment operations, Alloy enables investors to access regulated custody and bank-level security for their assets. This infrastructure facilitates exposure to digital assets while maintaining robust private key storage, ensuring that clients can navigate the complexities of decentralized finance effectively.

Klump is a digital lending platform that provides flexible payment solutions to consumers. The company allows users to purchase products or services immediately while spreading the payment over four equal installments. This approach enables customers to access the items they want without the burden of a full upfront payment, making it easier for them to manage their finances. Klump's innovative payment plans cater to the needs of individuals seeking convenience and affordability in their purchasing decisions.

Yavin specializes in modern point-of-sale solutions for European merchants. It offers autonomous payment terminals and electronic payment contracts, along with intelligent reporting, e-commerce integration, and cash register connection services to help businesses increase income and grow.

Weavr offers an open cloud-based platform that connects payment networks with financial providers. It enables innovators to define, deploy, and consume digital payment flows.

Certifaction is a Zurich-based software company that provides privacy-protecting digital document solutions. It offers a software-as-a-service platform to certify and verify documents using cryptography and blockchain, including credit reports, academic credentials, medical records, and financial prospectuses. The company also provides a privacy-first eSigning platform, enabling organizations to digitize workflows while safeguarding data confidentiality and security. Its modular, white-label technology can integrate with various identity networks to streamline signing and document workflows while meeting strict compliance standards. The solutions are used across healthcare, financial services, higher education and public sectors, where privacy and security are essential, helping businesses optimize processes and improve the customer experience. Certifaction emphasizes data protection, regulatory compliance, and secure, privacy-preserving digital processes.

Gaia combines reproductive health data with financial technology to make IVF treatments more accessible, affordable, and personalized.

Fiat Republic offers a banking and payments platform that aggregates multiple banks into a single API integration and unified onboarding, enabling crypto platforms to embed fiat payment flows into their technology stacks. Its fiat-as-a-service solution, regulated under traditional finance rules, provides access to IBANs and virtual accounts in local currencies, and supports local transfer rails such as SEPA, Faster Payments, Elixir, and Pix, with real-time foreign exchange. The company targets crypto sites with a crypto-focused, e-money-regulated software-as-a-service platform that delivers a banking and payments API powered by real-time data to embed and automate flows, broadening access to mainstream and local banking services and supporting participation in the Web3 economy.

Taxtris is a company that specializes in tax automation and compliance specifically tailored for the digital asset economy. It offers an API-first platform designed to streamline tax processes related to activities such as trading, mining, staking, airdrops, non-fungible tokens (NFTs), and non-hosted wallet transactions. Through its single-call API, Taxtris enables clients to manage tax compliance efficiently within a user-friendly dashboard, providing integrated reporting and auto-fill features for multiple tax jurisdictions. The company addresses customer inquiries via email and online applications, ensuring responsive support for its clients navigating the complexities of tax obligations in the evolving Web3 landscape.

Ramp Network is a fintech company established in 2017, headquartered in Warsaw, Poland. It specializes in payment infrastructure that connects crypto and traditional finance, aiming to create seamless, accessible connections between these two systems without the need for intermediaries.

Resistant AI is a technology company that provides risk management software for machine learning systems and digital financial services. Its offerings focus on protecting automated financial platforms from adversarial manipulation and fraud, including document fraud detection and transaction monitoring. The company helps banks, insurance companies, payment platforms, and lenders secure digital transactions and perform identity forensics to guard against manipulation by organized fraudsters. By combining ML risk detection with ongoing monitoring, Resistant AI aims to enable responsible deployment of AI and machine learning while identifying, managing, and resolving risks associated with AI adoption and automated finance.

Primer API Limited operates an online platform that consolidates fragmented payment ecosystems for e-commerce merchants and online payment facilitators. Founded in 2019 and based in London, the company provides solutions to optimize both front and backend payment flows, aiming to enhance authorization rates, minimize costs, and facilitate market expansion. Primer enables users to seamlessly connect with various third-party services, including payment service providers, fraud detection systems, and subscription billing engines. Its platform allows merchants to easily integrate new payment methods, streamline fraud mitigation, and implement sophisticated transaction routing without requiring coding skills. Through these capabilities, Primer enhances the overall commerce experience for customers and empowers businesses to improve their operational efficiency.

Fina is a financial technology company focused on creating an accessible and supportive experience for women in managing their financial well-being. The platform combines educational resources, including bite-sized lessons and community discussions, with tools for investing in decentralized finance. By emphasizing a user-friendly interface, Fina aims to empower women to make informed, long-term financial decisions, while demystifying the complexities of the crypto world. Through a combination of scientifically backed design and practical content, Fina seeks to foster a community where users can learn and engage effectively in their financial journeys.

Klasha is a global technology company that provides a platform and APIs to move money to and from emerging markets. The platform enables businesses to collect and send payments and hold exotic currencies through an extensive API stack, supporting cross-border transactions for enterprise clients. It offers secure, fast payment processing, multi-currency settlement, and developer-friendly integration to simplify international commerce in emerging markets. Founded in 2021 by Jess Anuna, Klasha supports more than 120 currencies, with the aim of saving merchants time and money on cross-border payments.

Vyne Technologies Limited is a London-based company that specializes in online bank-to-bank payment processing for e-commerce businesses. Founded in 2019, Vyne provides an innovative account-to-account payments platform that enables customers to make payments directly from their bank accounts to businesses, eliminating the need for intermediaries. This service streamlines the payment process, enhancing efficiency and security for both consumers and merchants.

Yavin specializes in modern point-of-sale solutions for European merchants. It offers autonomous payment terminals and electronic payment contracts, along with intelligent reporting, e-commerce integration, and cash register connection services to help businesses increase income and grow.

Koyo is a financial services company that specializes in providing personal loans to individuals with short credit histories. By offering fairly priced credit, Koyo aims to assist young people, immigrants, and students in accessing competitive financial products. In addition to loan services, the company also provides coaching to help customers improve their credit scores, empowering them to make informed financial decisions and enhance their creditworthiness over time.

Sikoia is a London-based Fintech that automates key aspects of customer verification for financial services providers. It offers centralized customer data access, automated insights, and seamless integration via API or its Customer Evaluation Dashboard. Serving clients across multiple countries, Sikoia is regulated by the Financial Conduct Authority (FCA) as an Account Information Service Provider (AISP) and Credit Reference Provider.

Weavr offers an open cloud-based platform that connects payment networks with financial providers. It enables innovators to define, deploy, and consume digital payment flows.

Ramp Network is a fintech company established in 2017, headquartered in Warsaw, Poland. It specializes in payment infrastructure that connects crypto and traditional finance, aiming to create seamless, accessible connections between these two systems without the need for intermediaries.

Founded in Madrid in 2019, StudentFinance is a company that provides educational financing services. It uses AI-driven data forecasting to select students with technical skills who can become software engineers, data analysts, or cybersecurity experts. The company invests in these students' education and helps them secure jobs, with repayment tied to future earnings.

Receeve offers a digital debt recovery platform powered by AI. It streamlines operations for businesses, financial institutions, and funds, enhancing efficiency and transaction transparency.

TreeCard Limited is a London-based company that specializes in providing eco-friendly payment solutions. Founded in 2020, TreeCard offers a unique wooden debit card designed to promote sustainability and environmental awareness among its users. The card is primarily made from FSC-certified British cherry wood, with minimal plastic used for the contactless chip, sourced from recycled plastic bottles. This innovative product allows consumers to make digital payments while contributing to reforestation efforts, as the interchange fees generated from transactions are allocated towards funding tree planting initiatives. Additionally, TreeCard integrates features such as expenditure tracking and compatibility with mobile payment platforms like Apple Pay, Google Pay, and Samsung Pay, enhancing user convenience while fostering responsible financial practices.

Ben is an employee benefits platform that enables companies to personalize benefits and rewards. It combines a modern software platform with per-employee Mastercards and financial infrastructure to offer instant employee choice and access to hundreds of additional options, saving time and money.

Primer API Limited operates an online platform that consolidates fragmented payment ecosystems for e-commerce merchants and online payment facilitators. Founded in 2019 and based in London, the company provides solutions to optimize both front and backend payment flows, aiming to enhance authorization rates, minimize costs, and facilitate market expansion. Primer enables users to seamlessly connect with various third-party services, including payment service providers, fraud detection systems, and subscription billing engines. Its platform allows merchants to easily integrate new payment methods, streamline fraud mitigation, and implement sophisticated transaction routing without requiring coding skills. Through these capabilities, Primer enhances the overall commerce experience for customers and empowers businesses to improve their operational efficiency.

Weavr offers an open cloud-based platform that connects payment networks with financial providers. It enables innovators to define, deploy, and consume digital payment flows.

Griffin is a banking-as-a-service provider that offers a digital banking platform designed to facilitate financial services for the fintech sector. Its solution serves as an operating system for embedded finance, enabling companies to easily build and launch financial products. By streamlining the integration of complex payment systems, Griffin reduces costs and time to market while simplifying the process of establishing banking partnerships. The platform includes integrated compliance services, supporting businesses with custodial accounts and interbank payments, while ensuring adherence to know-your-customer and anti-money laundering regulations. This comprehensive approach allows global brands with intricate payment needs to enhance their customer experience through seamless embedded finance solutions.

Founded in 2019, Sense Street specializes in transforming unstructured market conversations into actionable insights for over-the-counter (OTC) capital markets. The company's platform employs supervised learning algorithms to understand liquidity dynamics, enabling investment banks and asset managers to make data-driven decisions.

Supercede is an independent reinsurance technology company focused on enhancing the traditional reinsurance value chain by providing a digital ecosystem for all stakeholders, including cedents, brokers, and reinsurers. The company has developed a powerful, data-centric trading platform that facilitates global reinsurance transactions. This platform features advanced analytics and an intuitive interface, allowing brokers to efficiently market risks to a worldwide audience of underwriters. Supercede promotes networking and collaboration through tools such as group chat, rapid file sharing, and integrated workflow management, all designed to optimize the reinsurance lifecycle. By streamlining processes from data capture to ongoing administration, Supercede aims to improve the efficiency and effectiveness of risk management in the reinsurance industry.

TaxScouts is a London-based tax preparation platform founded in 2017 by Mart Abramov, Kaupo Kõrv, and Daniel Karger. The company aims to simplify the tax filing process for individuals by offering an online service that connects users with certified accountants. Its platform features a tax bot that assists users in understanding their personal income tax situations and provides suggestions for reducing their tax liabilities. Additionally, TaxScouts integrates with financial institutions to automatically import relevant tax data, enhancing the efficiency and accuracy of the tax filing experience.

Gaia combines reproductive health data with financial technology to make IVF treatments more accessible, affordable, and personalized.

Certifaction is a Zurich-based software company that provides privacy-protecting digital document solutions. It offers a software-as-a-service platform to certify and verify documents using cryptography and blockchain, including credit reports, academic credentials, medical records, and financial prospectuses. The company also provides a privacy-first eSigning platform, enabling organizations to digitize workflows while safeguarding data confidentiality and security. Its modular, white-label technology can integrate with various identity networks to streamline signing and document workflows while meeting strict compliance standards. The solutions are used across healthcare, financial services, higher education and public sectors, where privacy and security are essential, helping businesses optimize processes and improve the customer experience. Certifaction emphasizes data protection, regulatory compliance, and secure, privacy-preserving digital processes.

Founded in 2019, Sense Street specializes in transforming unstructured market conversations into actionable insights for over-the-counter (OTC) capital markets. The company's platform employs supervised learning algorithms to understand liquidity dynamics, enabling investment banks and asset managers to make data-driven decisions.

Primer API Limited operates an online platform that consolidates fragmented payment ecosystems for e-commerce merchants and online payment facilitators. Founded in 2019 and based in London, the company provides solutions to optimize both front and backend payment flows, aiming to enhance authorization rates, minimize costs, and facilitate market expansion. Primer enables users to seamlessly connect with various third-party services, including payment service providers, fraud detection systems, and subscription billing engines. Its platform allows merchants to easily integrate new payment methods, streamline fraud mitigation, and implement sophisticated transaction routing without requiring coding skills. Through these capabilities, Primer enhances the overall commerce experience for customers and empowers businesses to improve their operational efficiency.

Resistant AI is a technology company that provides risk management software for machine learning systems and digital financial services. Its offerings focus on protecting automated financial platforms from adversarial manipulation and fraud, including document fraud detection and transaction monitoring. The company helps banks, insurance companies, payment platforms, and lenders secure digital transactions and perform identity forensics to guard against manipulation by organized fraudsters. By combining ML risk detection with ongoing monitoring, Resistant AI aims to enable responsible deployment of AI and machine learning while identifying, managing, and resolving risks associated with AI adoption and automated finance.

Skew Ltd is a London-based company founded in 2018 that develops and operates an online marketplace focused on providing market intelligence for crypto derivatives markets. The platform offers real-time data analytics specifically for bitcoin and ether derivatives, catering to the needs of traders, investors, and researchers. Skew provides users with customized services and essential tools, including market and custom data dashboards, to facilitate a comprehensive understanding of the cryptocurrency landscape. Through its innovative financial infrastructure, the company aims to enhance market participants' ability to navigate the evolving digital assets space.

Weavr offers an open cloud-based platform that connects payment networks with financial providers. It enables innovators to define, deploy, and consume digital payment flows.

hi.health is a health‑insurance technology company that streamlines the claims process for private insurers. It offers co‑branded debit cards that members can use worldwide at health‑related facilities, eliminating out‑of‑pocket expenses and reducing claim friction. The platform aggregates digital services, invoices, and prescriptions, providing insurers with real‑time data, structured cost visibility, and fraud controls. By integrating payment and insurance functions, hi.health helps insurers improve member experience, cut operational and fraudulent costs, and encourage cost‑conscious behavior through reward and cashback programs.

Griffin is a banking-as-a-service provider that offers a digital banking platform designed to facilitate financial services for the fintech sector. Its solution serves as an operating system for embedded finance, enabling companies to easily build and launch financial products. By streamlining the integration of complex payment systems, Griffin reduces costs and time to market while simplifying the process of establishing banking partnerships. The platform includes integrated compliance services, supporting businesses with custodial accounts and interbank payments, while ensuring adherence to know-your-customer and anti-money laundering regulations. This comprehensive approach allows global brands with intricate payment needs to enhance their customer experience through seamless embedded finance solutions.

Primer API Limited operates an online platform that consolidates fragmented payment ecosystems for e-commerce merchants and online payment facilitators. Founded in 2019 and based in London, the company provides solutions to optimize both front and backend payment flows, aiming to enhance authorization rates, minimize costs, and facilitate market expansion. Primer enables users to seamlessly connect with various third-party services, including payment service providers, fraud detection systems, and subscription billing engines. Its platform allows merchants to easily integrate new payment methods, streamline fraud mitigation, and implement sophisticated transaction routing without requiring coding skills. Through these capabilities, Primer enhances the overall commerce experience for customers and empowers businesses to improve their operational efficiency.

Salv is an Estonian anti-money laundering technology company based in Tallinn that develops a platform for banks and fintechs to detect and prevent financial crime. The platform covers online transaction screening, offline monitoring, sanctions screening, and risk-based governance, centralizes AML data, and automates repetitive tasks, while enabling collaboration among institutions by exchanging intelligence and data on potential threats and providing audit trails for regulators.

Founded in Madrid in 2019, StudentFinance is a company that provides educational financing services. It uses AI-driven data forecasting to select students with technical skills who can become software engineers, data analysts, or cybersecurity experts. The company invests in these students' education and helps them secure jobs, with repayment tied to future earnings.

Koyo is a financial services company that specializes in providing personal loans to individuals with short credit histories. By offering fairly priced credit, Koyo aims to assist young people, immigrants, and students in accessing competitive financial products. In addition to loan services, the company also provides coaching to help customers improve their credit scores, empowering them to make informed financial decisions and enhance their creditworthiness over time.

A fast-growing, award-winning FinTech pioneering collaborative savings circles to help people all over the world reach their financial goals. For individuals: In the UK we offer products to help people raise money for their property deposit, getting married, starting a family, paying for education, cosmetic surgery and paying off debt. Check out: https://www.joinstepladder.com/ For companies: You can now white-label our Savings Circles and offer them to your customers and potential customers to increase you market share, improve retention, enhance engagement and generate revenue Read more here: https://www.step-ladder-solutions.com/ For Investors: StepLadder is leading the way in the new global category of digital Collaborative Finance. Savings Circles transactions total more than $500 billion worldwide, and 40% of consumers in more than 90 countries around the world use offline and informal ROSCAs. The opportunity is huge. The impact we have on people’s lives is real.

Skew Ltd is a London-based company founded in 2018 that develops and operates an online marketplace focused on providing market intelligence for crypto derivatives markets. The platform offers real-time data analytics specifically for bitcoin and ether derivatives, catering to the needs of traders, investors, and researchers. Skew provides users with customized services and essential tools, including market and custom data dashboards, to facilitate a comprehensive understanding of the cryptocurrency landscape. Through its innovative financial infrastructure, the company aims to enhance market participants' ability to navigate the evolving digital assets space.

Curve is a London-based fintech company established in 2015. It offers a digital wallet that consolidates multiple cards and bank accounts into one smart card and app. Curve's proprietary technology eliminates hidden foreign transaction fees, allows users to switch payments after making them, and maximizes rewards on existing cards. Authorized by financial regulators across the UK, EEA, and US, Curve has over 6 million customers globally.

Ramp Network is a fintech company established in 2017, headquartered in Warsaw, Poland. It specializes in payment infrastructure that connects crypto and traditional finance, aiming to create seamless, accessible connections between these two systems without the need for intermediaries.

Clause, Inc. is a technology company that operates a Software-as-a-Service (SaaS) platform designed to transform traditional commercial contracts into dynamic, self-managing entities. Founded in 2016 and headquartered in New York, Clause enables businesses to automate contract management by connecting agreements to real-time data from various sources, such as APIs and enterprise systems. This innovation allows for seamless payment processing upon contract execution and significantly reduces the need for manual paperwork in areas like loans, real estate transfers, and insurance policies. By integrating contracts with an organization’s existing technology infrastructure, Clause enhances operational efficiency and speeds up business processes, making contracts more responsive and interconnected within the digital ecosystem.

Receeve offers a digital debt recovery platform powered by AI. It streamlines operations for businesses, financial institutions, and funds, enhancing efficiency and transaction transparency.

Vantik GmbH is a Berlin-based startup founded in 2017 that specializes in providing digital private pension products tailored for millennials, young professionals, and freelancers. The company offers a user-friendly online platform and application for retirement planning services, allowing customers to manage their savings flexibly. Vantik's innovative approach incorporates a peer-based safety buffer, enabling users to adjust their savings rates as needed. The company aims to inspire young individuals to prioritize saving for their future through a simple and secure pension solution that aligns with their dynamic lifestyles.

TaxScouts is a London-based tax preparation platform founded in 2017 by Mart Abramov, Kaupo Kõrv, and Daniel Karger. The company aims to simplify the tax filing process for individuals by offering an online service that connects users with certified accountants. Its platform features a tax bot that assists users in understanding their personal income tax situations and provides suggestions for reducing their tax liabilities. Additionally, TaxScouts integrates with financial institutions to automatically import relevant tax data, enhancing the efficiency and accuracy of the tax filing experience.

Nordigen is a provider of a free open banking API that facilitates PSD2 data connections to major European banks. The company has developed a transaction analytics platform designed to assist banks in making informed decisions regarding credit scores. By leveraging big data and artificial intelligence, Nordigen's platform evaluates the risk profiles of loan applicants, enabling financial institutions to analyze client banking transactions more effectively. This innovation helps improve the speed and accuracy of the credit assessment process, allowing banks to enhance their decision-making capabilities in lending.

Zero1 is a Madrid-based company that develops a platform designed to assist small and medium-sized enterprises (SMEs) in obtaining supply chain funding. By utilizing blockchain technology, Zero1 ensures the traceability and integrity of transactions through distributed ledgers. The platform incorporates advanced artificial intelligence algorithms to dynamically adjust pricing based on transaction specifics. Additionally, it operates in a cloud-based environment, ensuring compliance with local data regulations and facilitating accessibility. The company's innovative solutions aim to alleviate the financial challenges associated with growth projects, enabling SMEs to leverage their clients' creditworthiness to reduce borrowing costs while providing funding that evolves alongside production cycles.

Trussle Lab Ltd, based in London, operates as an online mortgage broker, specializing in providing mortgage advice to first-time buyers and homeowners. Established in 2015, Trussle aims to simplify the mortgage process by moving it online, significantly reducing the time, hassle, and costs typically associated with securing a mortgage. The service is free for customers, with Trussle earning fees from lenders once a mortgage is successfully completed. As a trading style of Trussle Lab Ltd, the company is an appointed representative of Mortgage Advice Bureau Limited and is regulated by the Financial Conduct Authority. Utilizing automation and mortgage monitoring, Trussle effectively compares and tracks various mortgage products to help borrowers secure the most suitable deals for financing their homes.

Griffin is a banking-as-a-service provider that offers a digital banking platform designed to facilitate financial services for the fintech sector. Its solution serves as an operating system for embedded finance, enabling companies to easily build and launch financial products. By streamlining the integration of complex payment systems, Griffin reduces costs and time to market while simplifying the process of establishing banking partnerships. The platform includes integrated compliance services, supporting businesses with custodial accounts and interbank payments, while ensuring adherence to know-your-customer and anti-money laundering regulations. This comprehensive approach allows global brands with intricate payment needs to enhance their customer experience through seamless embedded finance solutions.

Vantik GmbH is a Berlin-based startup founded in 2017 that specializes in providing digital private pension products tailored for millennials, young professionals, and freelancers. The company offers a user-friendly online platform and application for retirement planning services, allowing customers to manage their savings flexibly. Vantik's innovative approach incorporates a peer-based safety buffer, enabling users to adjust their savings rates as needed. The company aims to inspire young individuals to prioritize saving for their future through a simple and secure pension solution that aligns with their dynamic lifestyles.

A fast-growing, award-winning FinTech pioneering collaborative savings circles to help people all over the world reach their financial goals. For individuals: In the UK we offer products to help people raise money for their property deposit, getting married, starting a family, paying for education, cosmetic surgery and paying off debt. Check out: https://www.joinstepladder.com/ For companies: You can now white-label our Savings Circles and offer them to your customers and potential customers to increase you market share, improve retention, enhance engagement and generate revenue Read more here: https://www.step-ladder-solutions.com/ For Investors: StepLadder is leading the way in the new global category of digital Collaborative Finance. Savings Circles transactions total more than $500 billion worldwide, and 40% of consumers in more than 90 countries around the world use offline and informal ROSCAs. The opportunity is huge. The impact we have on people’s lives is real.

Sweatcoin is a digital currency that incentivizes physical activity by converting users' movements into a cryptocurrency. The company's platform verifies and tracks physical movement, allowing users to earn Sweatcoins while engaging in exercise. These earned coins can be donated to charity, transferred to other users, or spent on a variety of products, services, and experiences offered by Sweatcoin vendors and the user community. By transforming exercise into immediate rewards, Sweatcoin addresses the challenge of Present Bias, effectively shifting the perceived benefits of physical activity into the present moment. This innovative approach encourages users to stay active while also fostering a community around fitness and health.

WealthKernel is a London-based platform that provides a go-to API for automated financial services, enabling UK and EU mass affluent clients to access financial advice through human guidance or a user-friendly digital interface. The company offers a wealth management platform that supplies investment management and infrastructure support tools to assist advisers with risk profiling and portfolio management, helping institutions distribute investment products digitally, develop wealth management services, and reach beyond traditional market segments. Positioned as a scalable infrastructure for savings, investments and pensions, WealthKernel functions as a centralized platform that firms plug into rather than build in-house. Founded in 2015, WealthKernel focuses on compliance and distribution as a service, delivering adviser support and digital distribution capabilities to the financial services sector.

Trussle Lab Ltd, based in London, operates as an online mortgage broker, specializing in providing mortgage advice to first-time buyers and homeowners. Established in 2015, Trussle aims to simplify the mortgage process by moving it online, significantly reducing the time, hassle, and costs typically associated with securing a mortgage. The service is free for customers, with Trussle earning fees from lenders once a mortgage is successfully completed. As a trading style of Trussle Lab Ltd, the company is an appointed representative of Mortgage Advice Bureau Limited and is regulated by the Financial Conduct Authority. Utilizing automation and mortgage monitoring, Trussle effectively compares and tracks various mortgage products to help borrowers secure the most suitable deals for financing their homes.

Wevat is a London-based company founded in 2016 that specializes in a mobile application designed to simplify the process of reclaiming value-added tax for tourists shopping in Europe. The application enables users to electronically submit claims for tax refunds on their purchases, thereby enhancing transparency in international shopping and facilitating savings for travelers. By digitizing the tax-free shopping experience, Wevat aims to make tax refunds more accessible and efficient for its users.

Founded in 2015, Monese operates an online banking alternative platform that enables users to manage their money digitally. It offers current accounts with features such as online banking, local and international payments, debit cards for purchases and withdrawals worldwide, and a mobile application for finance management.

Telleroo is a financial software company based in London, United Kingdom, founded on June 1, 2016, by Andrew Cookson, Fabian Flatz, Michael Riedler, and Miguel Castro. The company specializes in developing a platform that facilitates automated bulk payments for businesses, allowing users to streamline their financial processes without relying on traditional bank services. Its software seamlessly integrates with various accounting systems and payment applications, enabling users to import payment files and automate transactions for payroll, supplier payments, and other financial activities. This integration helps businesses and finance professionals enhance efficiency and manage their payment workflows more effectively.

Clause, Inc. is a technology company that operates a Software-as-a-Service (SaaS) platform designed to transform traditional commercial contracts into dynamic, self-managing entities. Founded in 2016 and headquartered in New York, Clause enables businesses to automate contract management by connecting agreements to real-time data from various sources, such as APIs and enterprise systems. This innovation allows for seamless payment processing upon contract execution and significantly reduces the need for manual paperwork in areas like loans, real estate transfers, and insurance policies. By integrating contracts with an organization’s existing technology infrastructure, Clause enhances operational efficiency and speeds up business processes, making contracts more responsive and interconnected within the digital ecosystem.

Revolut is a financial services company that operates a mobile banking platform and a multi-currency card. The app allows users to exchange currencies at interbank rates, pay with a card, and send money domestically and internationally. It provides tools for money management, including expense tracking and direct transfers to bank accounts. Since starting as a platform for prepaid cards and currency exchange, Revolut has expanded to features such as cryptocurrency trading, stock trading, and insurance offerings, alongside money remittance and card payments. The company serves customers globally, aiming to simplify managing money across currencies and borders through its digital platform.

Reposit Group Limited, operating as Reposit, is an insurance broker that facilitates rental agreements between tenants and property owners in the UK. Founded in 2015 and based in London, the company offers a platform that allows tenants to secure rental properties by paying a one-week security deposit as a premium, rather than the traditional large security deposits. This premium covers the equivalent of six weeks' security deposit, providing affordability for tenants while enhancing security for landlords. Through its online system, agents can create a Reposit, invite tenants via email, and charge a non-refundable fee equal to one week's rent. This innovative approach not only simplifies the rental process for tenants but also helps landlords manage cash flow and enables agents to earn commissions.

Trussle Lab Ltd, based in London, operates as an online mortgage broker, specializing in providing mortgage advice to first-time buyers and homeowners. Established in 2015, Trussle aims to simplify the mortgage process by moving it online, significantly reducing the time, hassle, and costs typically associated with securing a mortgage. The service is free for customers, with Trussle earning fees from lenders once a mortgage is successfully completed. As a trading style of Trussle Lab Ltd, the company is an appointed representative of Mortgage Advice Bureau Limited and is regulated by the Financial Conduct Authority. Utilizing automation and mortgage monitoring, Trussle effectively compares and tracks various mortgage products to help borrowers secure the most suitable deals for financing their homes.

Revolut is a financial services company that operates a mobile banking platform and a multi-currency card. The app allows users to exchange currencies at interbank rates, pay with a card, and send money domestically and internationally. It provides tools for money management, including expense tracking and direct transfers to bank accounts. Since starting as a platform for prepaid cards and currency exchange, Revolut has expanded to features such as cryptocurrency trading, stock trading, and insurance offerings, alongside money remittance and card payments. The company serves customers globally, aiming to simplify managing money across currencies and borders through its digital platform.

Curve is a London-based fintech company established in 2015. It offers a digital wallet that consolidates multiple cards and bank accounts into one smart card and app. Curve's proprietary technology eliminates hidden foreign transaction fees, allows users to switch payments after making them, and maximizes rewards on existing cards. Authorized by financial regulators across the UK, EEA, and US, Curve has over 6 million customers globally.

Acasa is a technology company that provides a web and mobile application designed to help young renters manage their household expenses more efficiently. Founded in 2014 in the Open Data Institute, Acasa offers users tools to set up, track, split, and pay their bills seamlessly. The application not only allows for the management of everyday expenses like rent but also keeps users informed about service switchovers and upcoming due dates. Acasa aims to improve the living experience for young renters by simplifying financial responsibilities and enhancing communication among housemates. The company is operated by a team of young property enthusiasts who are dedicated to fostering a better communal living environment.

Locatable is made up of a team of young property enthusiasts building awesome tools to make managing your home a breeze. Locatable is your home online. Locatable is a platform for the home with a suite of tools to help you make every day decisions better and faster than ever before. Splittable, our newest addition to the Locatable family, is a super simple app for splitting costs with your housemates. They're working tirelessly and keeping in constant touch with people just like you to make the reality of managing your home better with a suite of cutting edge digital tools to add to your home management arsenal. As your needs evolve, so too will the Locatable platform...so please let them know if you've got any problems, ideas or any feedback.

Revolut is a financial services company that operates a mobile banking platform and a multi-currency card. The app allows users to exchange currencies at interbank rates, pay with a card, and send money domestically and internationally. It provides tools for money management, including expense tracking and direct transfers to bank accounts. Since starting as a platform for prepaid cards and currency exchange, Revolut has expanded to features such as cryptocurrency trading, stock trading, and insurance offerings, alongside money remittance and card payments. The company serves customers globally, aiming to simplify managing money across currencies and borders through its digital platform.

Founded in 2015, Monese operates an online banking alternative platform that enables users to manage their money digitally. It offers current accounts with features such as online banking, local and international payments, debit cards for purchases and withdrawals worldwide, and a mobile application for finance management.

London House Exchange Limited, operating as Property Partner, is a technology-driven property investment platform based in London, United Kingdom. Established in 2013, the company facilitates investment in a diverse range of properties, including residential, purpose-built student accommodation, and commercial real estate across the UK and Europe. By offering a fractional investment model, London House Exchange allows users to invest in multiple properties easily and efficiently. The platform emphasizes simplicity and transparency in property investment, providing clients with tools for investment tracking, deal negotiation, and handling necessary paperwork. This enables investors to earn rental income while managing costs effectively.

Wise is a company that specializes in international money transfer services, facilitating easy and low-cost transactions for individuals and businesses. Founded in 2010 and headquartered in London, Wise offers a core money transfer product and a borderless account designed for expats, freelancers, and travelers, which currently holds over £2 billion in deposits. The company also provides a mobile application that allows users to track their transfers and initiate new transactions conveniently. With additional offices in Tallinn and New York, Wise aims to simplify the process of sending money abroad swiftly and affordably.

Tomato Pay is a QR-code-based payments application designed to facilitate easy and immediate payment processing for businesses and sole traders. The platform allows users to receive payments directly into their bank accounts without incurring hidden fees, which offers a more affordable alternative to traditional payment systems. With instant cash settlements, users gain immediate access to their funds. The application also features a user-friendly invoicing solution, enabling businesses to create invoices that incorporate discounts and late penalties, while also allowing for customer reminders. By connecting their bank accounts to the app, users can manage payments securely without needing to share sensitive banking information. Tomato Pay promotes a fairer, more ethical approach to transactions, empowering users to support local businesses through a seamless cashless payment experience.

London House Exchange Limited, operating as Property Partner, is a technology-driven property investment platform based in London, United Kingdom. Established in 2013, the company facilitates investment in a diverse range of properties, including residential, purpose-built student accommodation, and commercial real estate across the UK and Europe. By offering a fractional investment model, London House Exchange allows users to invest in multiple properties easily and efficiently. The platform emphasizes simplicity and transparency in property investment, providing clients with tools for investment tracking, deal negotiation, and handling necessary paperwork. This enables investors to earn rental income while managing costs effectively.

Wise is a company that specializes in international money transfer services, facilitating easy and low-cost transactions for individuals and businesses. Founded in 2010 and headquartered in London, Wise offers a core money transfer product and a borderless account designed for expats, freelancers, and travelers, which currently holds over £2 billion in deposits. The company also provides a mobile application that allows users to track their transfers and initiate new transactions conveniently. With additional offices in Tallinn and New York, Wise aims to simplify the process of sending money abroad swiftly and affordably.

Satago is a London-based company that provides software solutions for managing accounts receivables. Founded in 2012, the company connects with cloud and desktop accounting packages used by small businesses to automate debt collection processes through escalating email reminders, payment demand letters, and phone calls. Satago also offers invoice finance, risk insights, and automated credit reporting to help businesses access working capital, reduce late payments, and make informed credit decisions.