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.

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.

Griffin is a banking-as-a-service provider that specializes in enabling companies to create and launch financial services products. Its platform acts as an operating system for embedded finance, offering an all-in-one solution that simplifies the process for fintech companies by reducing costs and time to market while alleviating the challenges of partnering with traditional banks. Additionally, Griffin's digital banking platform facilitates payments for the fintech sector and incorporates integrated compliance services, allowing businesses to meet know-your-customer and anti-money laundering requirements securely and efficiently. By enhancing the customer experience through embedded finance, Griffin supports global brands with complex payment needs.

TreeCard Limited is a London-based company that offers an eco-friendly payment solution through its innovative wooden debit cards. Founded in 2020, the company aims to promote sustainability by utilizing FSC-certified British cherry wood for its cards, which incorporate minimal plastic from recycled bottles for the contactless chip. The debit cards are designed to facilitate digital payments while supporting reforestation efforts, as the interchange fees generated from transactions fund tree-planting initiatives. Additionally, TreeCard provides features that allow users to track their expenditures and connect with digital wallets like Apple Pay, Google Pay, and Samsung Pay. As the exclusive finance partner of Ecosia, TreeCard represents a commitment to responsible spending and environmental awareness, enabling consumers to make a positive impact through their financial choices.

Ben is an employee benefits platform that enables companies to personalize their rewards and benefits offerings. By integrating a modern software platform with per-employee Mastercards and financial infrastructure, Ben enhances employee choice and flexibility within existing benefit structures. The platform provides employers with detailed analytics on employee engagement with benefits, allowing them to tailor offerings to better meet the needs and preferences of their teams. This approach not only streamlines the management of employee benefits but also unlocks access to a wide array of additional options, ultimately saving time and resources for organizations.

Klasha is a global technology company established in 2021 by Jess Anuna, focused on facilitating seamless financial transactions to and from emerging markets. The company offers a platform and APIs that enable businesses to collect and send payments, as well as hold various currencies, including exotic and hard currencies. Klasha's infrastructure supports enterprise-level clients in managing their cross-border payments efficiently. By allowing international merchants to accept payments from Africa using local payment methods, Klasha enhances the ease of online transactions for customers, enabling them to transact conveniently from their homes. With the capability to handle over 120 currencies, Klasha aims to save merchants both time and money in their payment processes.

Klump is a digital lending platform that provides flexible payment solutions, allowing users to purchase products or services through manageable installment plans. The platform enables customers to acquire their desired items immediately while spreading the cost over four equal payments. By offering small loans tailored for convenient repayment, Klump aims to enhance the purchasing experience and make it more accessible for consumers.

Yavin offers modern point-of-sale solutions tailored for European merchants, particularly traders and small to medium-sized enterprises (SMEs). The company provides advanced autonomous Android payment terminals that can complement or replace traditional banking services. In addition to facilitating payments, Yavin enhances business operations through intelligent reporting, e-commerce integration, and connectivity with cash register systems. These features aim to help businesses optimize their sales processes and grow their revenue by leveraging a comprehensive suite of business applications.

Weavr is a developer of a digital financial platform that enables companies to seamlessly integrate banking and financial services into their offerings through the use of APIs. The platform provides a range of financial solutions for both consumers and businesses, including accounts with or without IBANs, virtual and physical cards, and wearable payment options. By offering comprehensive tools for creating, integrating, and managing these financial elements, Weavr allows digital businesses to incorporate payment services within their applications efficiently. This integration is achieved without imposing the burdens of data security and regulatory compliance on the companies utilizing the platform, thereby simplifying the process of embedding financial services in various applications.

Ramp Network is a fintech startup founded in 2017 by Przemek Kowalczyk and Szymon Sypniewicz, headquartered in Warsaw, Poland. The company focuses on developing payment infrastructure that bridges the gap between cryptocurrency and traditional finance. Its mission is to create a seamless connection between the open blockchain financial system and conventional banking, eliminating the need for a trusted third party. Ramp Network's platform is designed for a variety of clients, including enterprises, gaming companies, non-fungible token marketplaces, decentralized finance projects, and digital wallets. This integration enables these businesses to facilitate fiat-to-crypto transactions for their users, allowing for efficient contract execution and the locking of digital assets within their operations.

Pento ApS is a company that specializes in providing HR and payroll services through its online platform designed for European businesses. Founded in 2016 and based in Aarhus, Denmark, Pento offers solutions such as Pento Autopilot, which simplifies the collection of holiday data, mileage accounts, expenses, and time registrations, alongside Pento Payroll, a modern payroll system aimed at enhancing efficiency. The platform automates various payroll processes, including salary calculations and tax management, and integrates seamlessly with accounting and HR systems. Pento caters to a wide range of clients, including bookkeepers, audit houses, and outsourcing agencies, and has been active in the UK market since 2020. The company operates with a remote-first approach, maintaining a nominal headquarters in London.

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.

Klasha is a global technology company established in 2021 by Jess Anuna, focused on facilitating seamless financial transactions to and from emerging markets. The company offers a platform and APIs that enable businesses to collect and send payments, as well as hold various currencies, including exotic and hard currencies. Klasha's infrastructure supports enterprise-level clients in managing their cross-border payments efficiently. By allowing international merchants to accept payments from Africa using local payment methods, Klasha enhances the ease of online transactions for customers, enabling them to transact conveniently from their homes. With the capability to handle over 120 currencies, Klasha aims to save merchants both time and money in their payment processes.

Vyne Technologies Limited is a company based in London, United Kingdom, that specializes in online bank-to-bank payment processing for e-commerce businesses. Founded in 2019, it provides a mobile application that facilitates account-to-account payments, enabling customers to make direct payments from their bank accounts to businesses without the need for intermediaries. This approach streamlines the payment process for online transactions, enhancing efficiency and reducing costs for both consumers and merchants.

Yavin offers modern point-of-sale solutions tailored for European merchants, particularly traders and small to medium-sized enterprises (SMEs). The company provides advanced autonomous Android payment terminals that can complement or replace traditional banking services. In addition to facilitating payments, Yavin enhances business operations through intelligent reporting, e-commerce integration, and connectivity with cash register systems. These features aim to help businesses optimize their sales processes and grow their revenue by leveraging a comprehensive suite of business applications.

Weavr is a developer of a digital financial platform that enables companies to seamlessly integrate banking and financial services into their offerings through the use of APIs. The platform provides a range of financial solutions for both consumers and businesses, including accounts with or without IBANs, virtual and physical cards, and wearable payment options. By offering comprehensive tools for creating, integrating, and managing these financial elements, Weavr allows digital businesses to incorporate payment services within their applications efficiently. This integration is achieved without imposing the burdens of data security and regulatory compliance on the companies utilizing the platform, thereby simplifying the process of embedding financial services in various applications.

Ramp Network is a fintech startup founded in 2017 by Przemek Kowalczyk and Szymon Sypniewicz, headquartered in Warsaw, Poland. The company focuses on developing payment infrastructure that bridges the gap between cryptocurrency and traditional finance. Its mission is to create a seamless connection between the open blockchain financial system and conventional banking, eliminating the need for a trusted third party. Ramp Network's platform is designed for a variety of clients, including enterprises, gaming companies, non-fungible token marketplaces, decentralized finance projects, and digital wallets. This integration enables these businesses to facilitate fiat-to-crypto transactions for their users, allowing for efficient contract execution and the locking of digital assets within their operations.

Pento ApS is a company that specializes in providing HR and payroll services through its online platform designed for European businesses. Founded in 2016 and based in Aarhus, Denmark, Pento offers solutions such as Pento Autopilot, which simplifies the collection of holiday data, mileage accounts, expenses, and time registrations, alongside Pento Payroll, a modern payroll system aimed at enhancing efficiency. The platform automates various payroll processes, including salary calculations and tax management, and integrates seamlessly with accounting and HR systems. Pento caters to a wide range of clients, including bookkeepers, audit houses, and outsourcing agencies, and has been active in the UK market since 2020. The company operates with a remote-first approach, maintaining a nominal headquarters in London.

TreeCard Limited is a London-based company that offers an eco-friendly payment solution through its innovative wooden debit cards. Founded in 2020, the company aims to promote sustainability by utilizing FSC-certified British cherry wood for its cards, which incorporate minimal plastic from recycled bottles for the contactless chip. The debit cards are designed to facilitate digital payments while supporting reforestation efforts, as the interchange fees generated from transactions fund tree-planting initiatives. Additionally, TreeCard provides features that allow users to track their expenditures and connect with digital wallets like Apple Pay, Google Pay, and Samsung Pay. As the exclusive finance partner of Ecosia, TreeCard represents a commitment to responsible spending and environmental awareness, enabling consumers to make a positive impact through their financial choices.

Ben is an employee benefits platform that enables companies to personalize their rewards and benefits offerings. By integrating a modern software platform with per-employee Mastercards and financial infrastructure, Ben enhances employee choice and flexibility within existing benefit structures. The platform provides employers with detailed analytics on employee engagement with benefits, allowing them to tailor offerings to better meet the needs and preferences of their teams. This approach not only streamlines the management of employee benefits but also unlocks access to a wide array of additional options, ultimately saving time and resources for organizations.

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 is a developer of a digital financial platform that enables companies to seamlessly integrate banking and financial services into their offerings through the use of APIs. The platform provides a range of financial solutions for both consumers and businesses, including accounts with or without IBANs, virtual and physical cards, and wearable payment options. By offering comprehensive tools for creating, integrating, and managing these financial elements, Weavr allows digital businesses to incorporate payment services within their applications efficiently. This integration is achieved without imposing the burdens of data security and regulatory compliance on the companies utilizing the platform, thereby simplifying the process of embedding financial services in various applications.

Griffin is a banking-as-a-service provider that specializes in enabling companies to create and launch financial services products. Its platform acts as an operating system for embedded finance, offering an all-in-one solution that simplifies the process for fintech companies by reducing costs and time to market while alleviating the challenges of partnering with traditional banks. Additionally, Griffin's digital banking platform facilitates payments for the fintech sector and incorporates integrated compliance services, allowing businesses to meet know-your-customer and anti-money laundering requirements securely and efficiently. By enhancing the customer experience through embedded finance, Griffin supports global brands with complex payment needs.

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 is a developer of a digital financial platform that enables companies to seamlessly integrate banking and financial services into their offerings through the use of APIs. The platform provides a range of financial solutions for both consumers and businesses, including accounts with or without IBANs, virtual and physical cards, and wearable payment options. By offering comprehensive tools for creating, integrating, and managing these financial elements, Weavr allows digital businesses to incorporate payment services within their applications efficiently. This integration is achieved without imposing the burdens of data security and regulatory compliance on the companies utilizing the platform, thereby simplifying the process of embedding financial services in various applications.

Griffin is a banking-as-a-service provider that specializes in enabling companies to create and launch financial services products. Its platform acts as an operating system for embedded finance, offering an all-in-one solution that simplifies the process for fintech companies by reducing costs and time to market while alleviating the challenges of partnering with traditional banks. Additionally, Griffin's digital banking platform facilitates payments for the fintech sector and incorporates integrated compliance services, allowing businesses to meet know-your-customer and anti-money laundering requirements securely and efficiently. By enhancing the customer experience through embedded finance, Griffin supports global brands with complex payment needs.

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.

Pento ApS is a company that specializes in providing HR and payroll services through its online platform designed for European businesses. Founded in 2016 and based in Aarhus, Denmark, Pento offers solutions such as Pento Autopilot, which simplifies the collection of holiday data, mileage accounts, expenses, and time registrations, alongside Pento Payroll, a modern payroll system aimed at enhancing efficiency. The platform automates various payroll processes, including salary calculations and tax management, and integrates seamlessly with accounting and HR systems. Pento caters to a wide range of clients, including bookkeepers, audit houses, and outsourcing agencies, and has been active in the UK market since 2020. The company operates with a remote-first approach, maintaining a nominal headquarters in London.

Curve is a digital wallet that consolidates multiple payment cards and accounts into a single, user-friendly platform, enhancing the way individuals manage their finances. Established in London in 2015, Curve allows users to store their cards digitally while providing features that actively save money during transactions. Its technology eliminates hidden foreign transaction fees, enables card switching even after a purchase, and allows users to earn rewards in addition to their existing card benefits. With authorization from financial regulators in the UK, EEA, and US, Curve has gained over 6 million customers worldwide and processes significant annual payment volumes. By merging traditional and digital banking functionalities, Curve positions itself as a leader in financial innovation, offering unique advantages that distinguish it from conventional digital wallets.

Ramp Network is a fintech startup founded in 2017 by Przemek Kowalczyk and Szymon Sypniewicz, headquartered in Warsaw, Poland. The company focuses on developing payment infrastructure that bridges the gap between cryptocurrency and traditional finance. Its mission is to create a seamless connection between the open blockchain financial system and conventional banking, eliminating the need for a trusted third party. Ramp Network's platform is designed for a variety of clients, including enterprises, gaming companies, non-fungible token marketplaces, decentralized finance projects, and digital wallets. This integration enables these businesses to facilitate fiat-to-crypto transactions for their users, allowing for efficient contract execution and the locking of digital assets within their operations.

Griffin is a banking-as-a-service provider that specializes in enabling companies to create and launch financial services products. Its platform acts as an operating system for embedded finance, offering an all-in-one solution that simplifies the process for fintech companies by reducing costs and time to market while alleviating the challenges of partnering with traditional banks. Additionally, Griffin's digital banking platform facilitates payments for the fintech sector and incorporates integrated compliance services, allowing businesses to meet know-your-customer and anti-money laundering requirements securely and efficiently. By enhancing the customer experience through embedded finance, Griffin supports global brands with complex payment needs.

Monese Ltd. is a digital banking alternative founded in 2015 and based in London, United Kingdom. The company offers a mobile-only platform that provides users with a multi-currency account, enabling them to manage their finances efficiently. Monese allows clients to open current accounts quickly, without the credit checks or residency requirements typical of traditional banks. Its services include online banking, local and international payments, and the issuance of debit cards for purchases and cash withdrawals both domestically and internationally. The platform is designed to deliver a fully localized banking experience, encompassing both its applications and customer service, making it accessible for users seeking to shop online, receive salaries, and make purchases seamlessly.

Telleroo is a financial software platform founded on June 1, 2016, by Andrew Cookson, Fabian Flatz, Michael Riedler, and Miguel Castro, with its headquarters in London, United Kingdom. The platform is designed to facilitate automated bulk payments, allowing businesses to efficiently manage payroll, supplier payments, and other financial transactions without relying on traditional bank services. It integrates seamlessly with various accounting systems and payment applications, enabling users to import payment files and streamline their financial processes. Through its innovative approach, Telleroo aims to simplify the payment experience for businesses and financial professionals.

Curve is a digital wallet that consolidates multiple payment cards and accounts into a single, user-friendly platform, enhancing the way individuals manage their finances. Established in London in 2015, Curve allows users to store their cards digitally while providing features that actively save money during transactions. Its technology eliminates hidden foreign transaction fees, enables card switching even after a purchase, and allows users to earn rewards in addition to their existing card benefits. With authorization from financial regulators in the UK, EEA, and US, Curve has gained over 6 million customers worldwide and processes significant annual payment volumes. By merging traditional and digital banking functionalities, Curve positions itself as a leader in financial innovation, offering unique advantages that distinguish it from conventional digital wallets.

Monese Ltd. is a digital banking alternative founded in 2015 and based in London, United Kingdom. The company offers a mobile-only platform that provides users with a multi-currency account, enabling them to manage their finances efficiently. Monese allows clients to open current accounts quickly, without the credit checks or residency requirements typical of traditional banks. Its services include online banking, local and international payments, and the issuance of debit cards for purchases and cash withdrawals both domestically and internationally. The platform is designed to deliver a fully localized banking experience, encompassing both its applications and customer service, making it accessible for users seeking to shop online, receive salaries, and make purchases seamlessly.

Wise provides a core money transfer product, along with a borderless account for its audience of ex-pats, freelancers, and travelers, which holds over £2 billion in current deposits. The company features like automated identification verification, online and in-app technical assistance, and estimations of when money transfers will arrive, products and services that meet the needs of clients. Wise was established in 2011 by Kristo Kaarmann and Taavet Hinrikus in London, England.

Tomato Pay offers a QR-code based payments and invoice application designed for businesses and sole traders seeking a more cost-effective and ethical way to receive payments. The platform allows users to process transactions without hidden fees, enabling instant access to funds through immediate cash settlements. Additionally, Tomato Pay simplifies the invoicing process, allowing users to create invoices within the app and incorporate features such as discounts, late penalties, and payment reminders. By connecting their bank accounts, users can receive payments directly, eliminating the need to share sensitive banking information. This solution promotes local economic support by facilitating cashless transactions in a hassle-free manner.

Wise provides a core money transfer product, along with a borderless account for its audience of ex-pats, freelancers, and travelers, which holds over £2 billion in current deposits. The company features like automated identification verification, online and in-app technical assistance, and estimations of when money transfers will arrive, products and services that meet the needs of clients. Wise was established in 2011 by Kristo Kaarmann and Taavet Hinrikus in London, England.

Cashtag is a mobile payment network based in Lisbon, Portugal, designed to facilitate quick and easy money transfers for smartphone users. The platform allows individuals to send and receive money instantly without the need to exchange traditional banking details such as IBAN or SWIFT codes. Users can make payments directly through various channels, including phone numbers, email, or social media. Cashtag connects directly to users' Portuguese bank accounts, with plans to expand access throughout Europe. The service prioritizes security by employing bank-grade encryption and robust security systems to safeguard personal and financial information from unauthorized access. Additionally, sending money via Cashtag is free of charge, making it a convenient option for peer-to-peer transactions.

We offer a simple and quick way of paying that enables account holders to spread the cost of online purchases over three months. All you need is a UK debit card to register. We do not charge the customers any interest or fees and generate revenue from our relationship with retailers.

Tab is the easiest way for local shops to open prepaid accounts for customers, reward loyal customers, drive footfall back in to the shop and communicate with customers. Best of all, customers only need a mobile number to topup & get started and then pay with their name and smile on each return visit. Shops get access to working capital, learn about their customers and provide their regular customers with the most frictionless payment method they can.

Wise provides a core money transfer product, along with a borderless account for its audience of ex-pats, freelancers, and travelers, which holds over £2 billion in current deposits. The company features like automated identification verification, online and in-app technical assistance, and estimations of when money transfers will arrive, products and services that meet the needs of clients. Wise was established in 2011 by Kristo Kaarmann and Taavet Hinrikus in London, England.

Wise provides a core money transfer product, along with a borderless account for its audience of ex-pats, freelancers, and travelers, which holds over £2 billion in current deposits. The company features like automated identification verification, online and in-app technical assistance, and estimations of when money transfers will arrive, products and services that meet the needs of clients. Wise was established in 2011 by Kristo Kaarmann and Taavet Hinrikus in London, England.

Wise provides a core money transfer product, along with a borderless account for its audience of ex-pats, freelancers, and travelers, which holds over £2 billion in current deposits. The company features like automated identification verification, online and in-app technical assistance, and estimations of when money transfers will arrive, products and services that meet the needs of clients. Wise was established in 2011 by Kristo Kaarmann and Taavet Hinrikus in London, England.

Bilbus Limited is a UK-based company that specializes in e-invoicing and e-financing solutions for small and medium-sized businesses. Established in 2010, Bilbus provides a platform that streamlines cash flow management, enabling users to send and track invoices directly from their accounting systems. The platform automates reminders, payment follow-ups, and cash forecasting, while also allowing businesses to monitor their receivables status and apply for commercial credit online. By connecting businesses with lenders, customers, and financial advisors through a single dashboard, Bilbus simplifies the process of managing funding gaps and enhances visibility into cash flow needs.