Seedrs

Cookaway is an online food platform that specializes in providing a diverse selection of authentic recipe boxes curated by expert chefs. The company's offerings include all necessary ingredients, such as premium oils, along with detailed recipe cards that guide users in preparing various world cuisines at home. In addition to its recipe boxes, Cookaway also offers virtual cooking experiences for corporate clients, allowing participants to engage in live cooking sessions led by professional chefs. This dual approach enables customers to enjoy high-quality meals while enhancing their culinary skills in a convenient and interactive manner.

FantaCycling is a fantasy cycling app that allows cycling enthusiasts to create and manage their own teams while competing in virtual races. Users can assemble a team of 30 riders from all UCI World Tour teams within a budget, with the goal of scoring points based on rider performance in actual races. The platform supports both private leagues for friends and public leagues that connect users globally through geolocation. Players can form teams using various methods, including offline auctions or guided quotations from FantaCycling's staff. The app also organizes special events in collaboration with sponsors, offering exciting prizes and challenges linked to major cycling races. With a vibrant community of over 125,000 registered users and more than 80,000 participating in the global championship, FantaCycling maintains a strong social media presence, including a popular YouTube channel and a weekly TV show on Bike Channel TV. This engaging platform fosters connections among cycling fans and enhances their experience in the sport.

Signature Brew is a music bar and brewery focused on creating a community atmosphere through the enjoyment of beer and live music. The establishment offers a variety of beers and alcoholic beverages, while also featuring performances by musicians, thus enhancing the experience for its patrons. By combining fresh beer with quality entertainment, Signature Brew seeks to bring people together and foster memorable experiences centered around great beer and music.

Laka Ltd, founded in 2017 and based in London, is an InsurTech company that specializes in bicycle insurance brokerage services, catering to bicycles, e-bikes, and their accessories. The company operates a peer-to-peer insurance platform that allows a community of users to collectively ensure each other's bicycles. This innovative model enables members to access fair pricing and comprehensive coverage for theft, vandalism, damage, and loss, while also offering recovery advice and treatment options. By leveraging community support, Laka aims to provide a cost-effective and equitable insurance solution for cyclists.

SRSLY Low Carb is an online food delivery company that focuses on providing a variety of low-carb food options for different occasions. The company’s platform offers an extensive selection of low-carb foods, including snacks and daily essentials, from both its own brand and other brands. By prioritizing taste and accessibility, SRSLY Low Carb aims to make low-carb lifestyles more enjoyable for consumers, allowing them to order food quickly and conveniently.

Superbutler is an AI-powered digital concierge platform tailored for the hotel and hospitality industry. This software-as-a-service solution offers a comprehensive range of e-commerce services, including room service, dining reservations, spa bookings, minibar orders, laundry services, limousine reservations, and tour packages. By integrating these essential services, Superbutler aims to enhance the operational efficiency of hotels and improve the overall guest experience.

Fieldwork Robotics Ltd. is a company based in Plymouth, United Kingdom, that specializes in the development and manufacturing of modular robots for agricultural applications. Founded in 2016, the company focuses on creating commercial robotic tools specifically designed for the efficient harvesting of raspberries. Its innovative technology features a soft, adaptable robotic arm equipped with a highly sensitive gripper, allowing it to handle delicate fruits with care. By utilizing these advanced robotic solutions, Fieldwork Robotics aims to help fruit-growing businesses lower the cost of harvesting per berry, minimize waste, and ensure a more predictable and sustainable harvesting process.

Shoorah is a mental health and well-being platform offering a range of tools to support users' emotional and physical well-being. The platform provides on-demand, personalized support, including AI-driven therapy assistance, mood and sleep tracking, guided meditation and breathwork sessions, journaling, and daily routine features. Shoorah aims to help users proactively manage their mental health, whether they're new to self-care or looking to maintain their well-being. The platform is designed to be accessible and beneficial for all users, regardless of their current stage in their wellness journey.

Taylor & Hart Limited is a London-based company that specializes in the design and sale of diamond engagement rings, wedding rings, and custom jewelry. Established in 2011, the company focuses on allowing individuals to express their emotions through unique, personalized pieces. It offers an extensive selection of over 100,000 ethically sourced, GIA-graded diamonds, ensuring high quality and ethical standards. Taylor & Hart has received numerous accolades, including the "Best New Jeweler" award in 2014, and has been featured in prominent publications such as the Telegraph and Forbes. The company operates primarily online, providing worldwide shipping, and has garnered a customer satisfaction rating exceeding 9.6 out of 10 from over 120 reviews. Taylor & Hart has successfully raised over $500,000 through crowdfunding initiatives and has transacted more than $2 million in sales over the past year. A distinctive feature of each ring is a pink diamond set on the inside, which serves as the company's trademark.

Freestar is a beverage company that offers gluten-free and vegan alcohol-free beers.

Splint Invest is a financial services company that operates a marketplace for retail investors seeking access to alternative investments. The company provides a platform where pre-selected issuers can offer their investment products, allowing private investors to engage in fractional investments. Utilizing advanced technologies, such as distributed ledger technology and artificial intelligence, Splint Invest streamlines the investment process by handling legal requirements, tokenization, custody, data management, and cash management. This innovative approach enables investors to diversify their portfolios and access a range of previously unserved investment opportunities.

Jump Ship Brewing is a brewing company that specializes in the production of alcohol-free beers and craft-brewed drinks.

Fantasy Football Hub is a company specializing in Premier League fantasy football, leveraging artificial intelligence and big data to enhance the user experience. Established in 2019 by Will Thomas, the business offers subscription-based access to a range of analytical tools, expert insights, and specialized content aimed at helping members excel in fantasy football. The platform caters to enthusiasts of the sport, providing resources that enable users to make informed decisions and improve their chances of success in fantasy leagues. Supported by notable industry investors, including former professional footballer Micah Richards, Fantasy Football Hub has positioned itself as a valuable resource for fantasy sports enthusiasts.

Oddbox is a London-based company focused on reducing food waste by delivering boxes of wonky and surplus fruits and vegetables. As the first of its kind in London, Oddbox sources produce directly from local farms and markets, ensuring that this often overlooked but still fresh produce is sold at a fair price. They operate a weekly subscription service that offers these boxes to homes in South London and offices in Central London at a price that is approximately 30% lower than similar services. In addition to providing affordable access to nutritious produce, Oddbox is committed to social responsibility by donating 10% of its produce to charities that address food poverty. Through their innovative approach, Oddbox aims to promote sustainability while empowering a community dedicated to reducing food waste.

Fagura is a financial technology company focused on creating a digital banking ecosystem. Initially, it operates a peer-to-peer lending marketplace that connects borrowers seeking loans at lower interest rates with investors looking for more consistent returns than traditional bank deposits. This platform is designed to facilitate advantageous financial transactions between individuals, enabling borrowers to manage their finances more effectively while offering investors attractive profit potential. As Fagura progresses, it plans to expand its range of financial services, with the goal of evolving into a comprehensive online banking solution poised for growth and entry into new markets.

Marketplace for healthy fresh and frozen precooked meals, connecting small to large meal prep companies to the wider public. Our mission is to make healthy meals as accessible, convenient and easy to order as takeaway meals currently are!

Nevomo is a pioneering company focused on advancing railway technology through the development of high-speed railways that utilize magnetic levitation, linear motor systems, and autonomous control. Established in 2017, Nevomo is distinguished as the only enterprise globally that facilitates the gradual integration of Hyperloop-inspired solutions into the existing railway infrastructure. Its innovative magrail technology enables the modernization of conventional railway lines to achieve speeds of up to 300 kph (186 mph) and 415 kph (258 mph) for high-speed rail lines, while maintaining functionality for conventional trains. This system can later be upgraded to a vacuum technology, enabling speeds of 600 kph (373 mph) and potentially reaching 1200 kph (746 mph) with hyperloop systems. The company emphasizes cost-effectiveness, with retrofitting expenses comparable to building new highways, while also promising a 25% reduction in maintenance costs compared to traditional high-speed rail. With a strong research and development team, including experts with extensive experience in advanced railway technologies, Nevomo is on track to revolutionize transportation by significantly enhancing speed and efficiency in rail systems.

Concrete4Change is a research and development company focused on creating innovative technology to capture and permanently mineralize carbon dioxide (CO2) in concrete. By integrating CO2 into the concrete mix, the company improves the material's strength while providing an environmentally sustainable solution to one of the largest sources of greenhouse gas emissions. Concrete4Change aims to contribute to the reduction of 2 billion tonnes of CO2 emissions in the concrete industry by 2040, positioning concrete as an effective and safe carbon sink. The company has received prestigious accolades, such as the UN Most Innovative Net-Zero Technology award at COP26 and the Royal Academy of Engineering Enterprise Award, underscoring its commitment to transforming concrete from an emission source into a sustainable solution for climate change.

BeeLine is a London-based company that specializes in manufacturing a handlebar-mounted navigation device designed for cyclists. This device connects to a mobile application available on both iPhone and Android platforms, allowing users to select their destination and customize their route with multiple waypoints. The focus of BeeLine's product is to enhance the cycling experience by enabling users to enjoy their journey rather than simply reaching their destination. The company emphasizes intuitive design and intelligent routing, along with features such as tracking and social sharing, which foster a sense of community among cyclists. BeeLine sells its devices through an online store, providing users with accessible and innovative navigation solutions tailored for cycling enthusiasts.

Assetz Capital Limited is a marketplace lender based in Manchester, United Kingdom, established in 2012. The company specializes in providing direct lending services to small and medium-sized enterprises (SMEs), property developers, and bridging finance sectors through an online investment platform. Assetz Capital offers a variety of business funding solutions, including quick access accounts, property-secured accounts, and manual lending accounts. The company operates with a significant focus on individual loan assessments and requires tangible security for all loans, which distinguishes it from many peer-to-peer lending platforms that typically offer unsecured loans. With a robust investor base of over 90,000 high-net-worth individuals, Assetz Capital enables businesses to access alternative funding sources, enhancing their liquidity and operational capabilities.

QED Naval Limited is a technology developer based in Edinburgh, United Kingdom, specializing in the marine renewable energy sector. Founded in 2008, the company focuses on providing consultancy services in naval architecture and marine renewable energy, including assessments and simulations of tidal platforms and turbines. Its flagship product, Subhub, is an integrated tidal platform designed to support tidal turbines. Additionally, QED Naval offers CAD design services, structural assessments, and expertise in wind, wave, and tidal loading. The company also assists in the development of essential port and nearshore infrastructure for the deployment of marine renewables, including quays, breakwaters, and pontoons, ensuring effective integration and maintenance of these technologies.

Clean Kitchen Club operates a network of 100% vegan restaurants and delivery services throughout London. The company specializes in producing plant-based food products, focusing on transforming popular non-vegan dishes into vegan alternatives. By repurposing a wide range of ingredients, Clean Kitchen Club aims to elevate the appeal of plant-based dining and provide consumers with convenient access to organic food options.

Residently is a company that provides an online platform aimed at enhancing the renting experience for both landlords and tenants. The platform offers property management services to landlords, helping them reduce costs and minimize vacancy periods. Additionally, Residently supports realtors and property managers in effectively managing their tenant relationships. For tenants, the company offers a range of services and experiences designed to make renting more flexible and rewarding. Overall, Residently focuses on streamlining the rental process and improving the overall experience for all parties involved in residential leasing.

Mootral SA is a British-Swiss AgriTech company founded in 2017 and based in Rolle, Switzerland. The company develops innovative solutions aimed at mitigating the environmental impact of agriculture, specifically focusing on reducing greenhouse gas emissions and addressing antimicrobial resistance. Mootral's primary products include a natural feed supplement designed to significantly lower methane emissions from ruminants, as well as solutions that eliminate the need for antibiotics in monogastric livestock. By providing these tools, Mootral aims to promote sustainable food production that benefits the environment, human health, and animal welfare, while also enhancing the economic viability for farmers.

Diesel generators are everywhere. From construction sites to data centres – even providing backup power to wind farms – diesel remains the most reliable and secure way for businesses to access the power they need, when they need it. This necessity for energy security is stalling the net-zero transition. At IPG Energy, we’re committed to tackling this. We’re a climate-tech company working with the construction industry to demonstrate that our clean, fuel-agnostic renewable generator is the solution for accelerating the transition to green fuels in hard-to-abate sectors. Backed by academic institutions, government agencies and pioneering manufacturing and commercial partners, our founding team came together with our patented Flameless Combustion technology to deliver a fuel-agnostic generator to guarantee access to clean, on-demand power from any fuel, in any industry, anywhere.

Spoke London is a privately held company specializing in men's clothing, focusing on providing better fitting and stylish apparel sold exclusively online. The company designs a range of products, including trousers, shorts, and t-shirts, and utilizes an e-commerce model to reach its customers. Spoke London offers flexible sizing and fit options, allowing customers to select from multiple measurements to ensure a more personalized fit compared to traditional retail offerings. The platform also provides custom finish options, enhancing the shopping experience and catering to individual preferences.

COAT is a sustainable paint company that focuses on transforming the home decorating experience. Since its inception, COAT has maintained a carbon-neutral status, emphasizing its commitment to environmental responsibility. The company develops innovative paint coating products made from high-quality raw materials, including quality pigments, resin, and high-grade titanium dioxide. These products cater to various surfaces such as walls, ceilings, kitchens, bathrooms, wood, and exteriors. COAT aims to provide customers with sustainable materials that promote zero-waste production, thereby redefining how individuals approach purchasing paint for their homes.

RideTandem is a transportation technology company that specializes in transforming local transportation services into smart shuttles tailored for work, education, and other needs. By enhancing existing taxi, minibus, and coach fleets, RideTandem provides shared transportation solutions that enable efficient mobility in towns and small cities. The company offers an easy-to-use application that allows individuals to book and pay for their seats, facilitating convenient access to transportation for passengers commuting to work and school. Through its innovative approach, RideTandem aims to build next-generation mobility solutions that improve local transportation infrastructure.

Income offers buyback obligation and "cashflow buffer" to protect investors in case all the risks identified materialize. They offer simple and secured investments in loans.

Good-Loop is an advertising platform that transforms advertising revenue into funding for social causes, enhancing both the effectiveness and ethics of online advertising. The company distributes video ads through a network of reputable online publishers, allowing users to engage with advertisements voluntarily. When viewers opt to watch an ad, fifty percent of the revenue generated goes directly to a charity of their choice, creating a rewarding experience for consumers. Good-Loop's approach not only fosters social good but also benefits advertisers, as evidenced by their higher engagement rates—61% completed views compared to the industry average of 30%. This dual focus on charitable impact and advertising effectiveness positions Good-Loop as a unique player in the digital advertising landscape.

Wegaw specializes in processing remote sensing satellite data using artificial intelligence to support the transition to clean energy. The company develops technology that integrates satellite, ground sensor, and weather data to monitor critical factors such as snow, which is essential for energy companies. By enhancing the accuracy of runoff and reservoir inflow calculations, Wegaw enables these companies to optimize their renewable energy production and improve trading efficiencies. This innovative approach not only helps clients increase energy production by 10% but also boosts energy trading prices by 5%, ultimately contributing to a reduction in fossil fuel dependency.

CLUBZERØ is an innovative company focused on tackling the global issue of packaging waste through its AI-powered zero waste packaging system. It offers a scalable and cost-effective alternative to single-use packaging for various sectors, including food and beverage brands, asset managers, and cities. CLUBZERØ provides a comprehensive service that encompasses packaging, drop points, washing, and logistics, making it up to 30% cheaper than traditional single-use options. Unlike compostable alternatives, which can contribute to environmental harm, CLUBZERØ's approach promotes true zero waste through a circular model, enabling brands to achieve up to a 93% reduction in CO2 emissions. Its AI technology allows for interoperability among diverse packaging types, addressing customer needs effectively. Having launched in the UK and US, CLUBZERØ has successfully processed over 1.3 million orders and helped save millions of single-use items from landfills. The company has collaborated with major brands and received several prestigious awards for its contributions to sustainable packaging, aiming to transform the returnable packaging sector with its advanced systems.

Solivus is a solar technology company focused on designing and creating innovative solar products for residential and commercial applications. With a mission to simplify the decarbonisation of the built environment, Solivus employs lightweight thin-film solar technology to enable homes, businesses, and large buildings to reduce their climate impact. By providing efficient solar solutions, the company aims to enhance energy security and lower energy costs for its customers, facilitating the generation of local green energy and contributing to a more sustainable future.

Locket offers innovative smart home insurance services aimed at enhancing the safety and security of homes. The company operates on a membership model, prioritizing a personalized approach to insurance by actively defending its clients rather than simply providing payouts after incidents. By leveraging technology, Locket seeks to "danger-proof" everyday life and offers adaptive coverage that evolves with its members' changing needs. Customers can access a smart marketplace upon signing up, where they can purchase tailored insurance products and services, benefiting from rewards, discounts, and savings on premiums. Locket's focus is on protecting both valuable possessions and the irreplaceable aspects of individuals' lives, fostering a sense of assurance that goes beyond traditional insurance models.

Threedium Limited is a London-based company that specializes in creating a platform for developing three-dimensional (3D) customizable advertisements and product widgets. Established in 2017, Threedium offers products such as the Threedium 3D Web Configurator and Threedium 3D Advertising, which allow users to visualize products interactively across various digital platforms and devices. The company's technology transforms static images into engaging 3D and augmented reality (AR) models, facilitating immersive online brand experiences for businesses of all sizes. By enabling real-time product personalization, Threedium's solutions enhance customer engagement and bridge the gap between online and in-store shopping experiences, ultimately driving product consideration and conversion rates.

Typewise AG is a Swiss deep tech company established in 2019 and headquartered in Binningen, Switzerland. It specializes in developing innovative text prediction technology and offers a range of products aimed at enhancing communication efficiency. The flagship product, the Typewise Keyboard, is an award-winning app available for iOS and Android that supports over 30 languages and includes features like a custom dictionary and predictive text capabilities, specifically catering to users in multilingual contexts, including support for Hinglish. Additionally, Typewise provides an AI Writing Assistant, a browser-based tool designed to improve the speed and quality of written communication, particularly for customer service and sales teams. The company also offers a Text Prediction API that allows developers to integrate its advanced text prediction capabilities into their own applications, thereby enhancing user experience and productivity. With nearly 2 million installations of its keyboard app, Typewise aims to make everyday communication easier and more efficient.

Coco Coders is an educational services provider that specializes in teaching children aged 6-14 how to code. The company offers live online coding lessons designed to be fun, affordable, and easily accessible. Coco Coders provides both private one-to-one sessions with dedicated teachers and group lessons, allowing parents to help their kids learn coding and develop essential skills for the digital age.

Staykeepers is a technology-driven platform that leverages the shared economy to enhance revenue potential for institutional residential owners and management companies. Specializing in short-term accommodations, Staykeepers provides a rental platform that serves as an amenity for residents and students. The company facilitates referrals and rentals to purpose-built student accommodation and build-to-rent operators, streamlining lead qualification and improving tenant and student communication. Additionally, Staykeepers manages logistics related to property viewings and arrivals, thereby helping real estate owners increase occupancy rates and tap into previously unexploited revenue streams.

EBar Initiatives is a start-up company focused on revolutionizing beverage service through its innovative self-service kiosks. These automated dispensers are designed to serve up to 200 pints per hour, significantly reducing wait times at large events and addressing bar capacity issues. By streamlining the beverage dispensing process, EBar enhances productivity while minimizing waste and staffing costs, which is particularly beneficial in an industry facing labor challenges. The company also offers mobile kiosks that can be relocated between venues, allowing for increased service capacity and the generation of recurring revenue through maintenance and commission fees.

Jump Into Reality is an XR company awarded in 2018 with the Digital El Español Prize in the category of Artificial Intelligence. Their SaaS product is an affordable, accessible and easy-to-use software which allows designers of all types to create, share and manage interior design projects with their clients, in real time.

Fagura is a financial technology company focused on creating a digital banking ecosystem. Initially, it operates a peer-to-peer lending marketplace that connects borrowers seeking loans at lower interest rates with investors looking for more consistent returns than traditional bank deposits. This platform is designed to facilitate advantageous financial transactions between individuals, enabling borrowers to manage their finances more effectively while offering investors attractive profit potential. As Fagura progresses, it plans to expand its range of financial services, with the goal of evolving into a comprehensive online banking solution poised for growth and entry into new markets.

SmartGuide is a company based in Prague that has developed a travel platform designed to transform smartphones into personal tour guides. The SmartGuide app offers augmented reality-based tour guides, allowing travelers to explore destinations at their own pace while receiving interesting stories and information about the places they visit. With over 1.6 million users, the platform serves as an easy, fast, and cost-effective way for tourist attractions, destinations, and travel agencies to publish digital travel guides. These guides can be offered for free or sold to visitors, providing unique smart data analytics in return. Tourism organizations are the primary customers, generating over 95% of the company's revenues. SmartGuide aims to disrupt the traditional guide market with its innovative approach, seeking a €3 million Series A investment to expand globally and enhance user experience through AI-powered content creation.

Hypha is a new Innovation Intelligence Platform that unifies people, knowledge, data, insights and strategy to drive growth.

Better Nature Ltd. is a UK-based company specializing in the production of organic plant-based protein products. Founded in 2018 and located in Chesterfield, the company primarily offers a range of tempeh products, including tempeh mince, tempeh rashers, smoked tempeh, and lupin tempeh. These products are designed to provide nutrition for vegan diets, leveraging the benefits of tempeh, which is created through the fermentation of cooked soybeans. This process yields a protein-rich, gluten-free food that is also high in prebiotics and fiber. Better Nature distributes its offerings through an online platform, making its products accessible to a wide audience.

Fullgreen is a producer of innovative, long-life plant-based food products that utilize a patented technology to eliminate the need for preservatives. The company operates through two trading subsidiaries and has established a robust presence, with its products available in over 9,000 retailers across the UK and the US, as well as being exported to Europe, Southeast Asia, and the Middle East. Fullgreen specializes in vegetable-based alternatives to traditional rice and grains, offering healthy, low-carb options designed for individuals aiming to reduce carbohydrate intake, incorporate more vegetables into their diets, or manage health concerns such as obesity and diabetes. Their product range includes Non-GMO Riced Veggies, Cauliflower Risottos, and Grain & Oat Free Plant-based Breakfast options. Given the rising trend of plant-based eating and the significant economic implications of obesity and diabetes, Fullgreen's offerings are poised to gain increasing relevance in the market.

Jump Into Reality is an XR company awarded in 2018 with the Digital El Español Prize in the category of Artificial Intelligence. Their SaaS product is an affordable, accessible and easy-to-use software which allows designers of all types to create, share and manage interior design projects with their clients, in real time.

Crypterium is developing a mobile app that allows instant payments in cryptocurrency using existing payment infrastructures such as NFC terminals or QR codes. It allows its users to issue a virtual VISA card, bind it to their crypto account, link it to Apple Pay, and pay with crypto by simply using a smartphone.

Imployable is a tech startup founded by two former Royal Marines officers aiming to democratize career progression. The company offers a free, user-centric digital platform that empowers individuals, regardless of age, background, or ability, to identify, map, and track their way into fulfilling careers. This platform comprises web and app-based software, featuring tools for self-development, job insights, coaching suites, and networking opportunities, all designed to create equal employment opportunities.

Wurkr is a video platform that facilitates collaboration among teams in an immersive virtual workspace, designed to emulate a physical office environment. Founded in 2018 and headquartered in London, England, Wurkr's Software as a Service (SaaS) platform offers a range of features including external guest meetings, screen sharing, messaging, and communication tools. By providing these services, Wurkr aims to enhance company culture and foster spontaneous collaboration and creativity in remote and distributed work settings, enabling organizations to operate effectively from anywhere.

Sono Motors GmbH, founded in 2016 and based in Munich, Germany, specializes in solar-powered electric mobility solutions. The company designs and develops its first solar electric vehicle, the Sion, which features proprietary solar technology that allows for the integration of solar panels into the vehicle's bodywork. This innovation harnesses solar energy to charge the vehicle's battery, promoting sustainable transportation. In addition to the Sion, Sono Motors is working to incorporate its solar technology across various transportation models, including buses, trucks, and trailers, thereby enhancing range, reducing fuel costs, and lowering CO2 emissions. The company's commitment to climate-friendly mobility aims to facilitate the transition to a more sustainable future in the automotive sector. The Sion is expected to launch in Europe in 2024.

Solivus is a solar technology company focused on designing and creating innovative solar products for residential and commercial applications. With a mission to simplify the decarbonisation of the built environment, Solivus employs lightweight thin-film solar technology to enable homes, businesses, and large buildings to reduce their climate impact. By providing efficient solar solutions, the company aims to enhance energy security and lower energy costs for its customers, facilitating the generation of local green energy and contributing to a more sustainable future.

GridDuck is a company focused on transforming homes and businesses into integral parts of the smart grid through its innovative energy management system. Utilizing a Zigbee wireless network, GridDuck's gateway connects to various plugs, relays, and switches, allowing for real-time monitoring of energy consumption patterns. The system leverages the Internet of Things to enable remote monitoring and automatic control of appliances and circuits, facilitating efficient energy management. By responding to grid conditions and executing predefined rules, GridDuck helps clients reduce energy waste and lower electricity expenses, contributing to a more sustainable energy landscape.

Comino is an international startup based in Cyprus that specializes in the development and manufacturing of advanced computing hardware, including GPU risers for cryptocurrency mining and liquid-cooled PCs and servers. With over fifteen years of experience in hardware research and development, the company focuses on energy-efficient designs that consume up to 40% less electricity than traditional air-cooled systems. Comino's cryptocurrency miners are capable of supporting multiple hashing algorithms, allowing users to automatically select and mine the most profitable cryptocurrencies based on market conditions. In addition to its cryptocurrency solutions, Comino serves various industries, including artificial intelligence, forensics, gaming, and video rendering, with plans for future expansion.

Bindr is an educational technology platform designed to motivate students in their studies while fostering meaningful connections among peers globally. The company enables students to participate in study sessions with others, promoting accountability and support during individual study times. By connecting users through various educational activities, Bindr helps students explore new skills and opportunities, making the learning experience more collaborative and engaging. The platform addresses the challenges of remote learning by providing a supportive community for students to share their academic journeys.

DeadHappy Limited, established in 2013 and based in Leicester, UK, specializes in digital pay-as-you-go life insurance services. It offers customized life insurance products under the brand 'Deathwishes', catering to various categories such as financial, responsible, thoughtful, personal, adventurous, and charitable. The company's unique approach allows customers to price their insurance based on current circumstances and add further coverage on a rolling basis, aiming to provide cheaper, easier, and better life insurance options compared to traditional providers.

Knoma Ltd is a London-based company that operates an online platform designed to facilitate access to educational loans for a variety of courses, including cybersecurity, coding, and software development. Founded in 2018 and previously known as Higgler Europe Ltd, Knoma aims to address the digital skills gap in the evolving global economy. The platform allows users to finance their education by spreading course costs over flexible monthly payments, with loans available up to £10,000, all offered without interest or fees. By partnering with leading coding and tech schools, Knoma emphasizes the importance of lifelong learning and aims to make education more accessible, thereby helping individuals enhance their career prospects and adapt to the demands of a rapidly changing job market.

Urban is a wellness service platform that facilitates the booking of at-home treatments through an online portal. Founded in London in 2014 by Jack Tang and Giles Williams, the platform connects users with qualified wellness professionals for a variety of services, including massage, beauty treatments, personal training, and osteopathy. Urban aims to democratize wellness by making these services accessible in urban areas, thereby integrating wellness into the busy lives of city dwellers. Users can select from a range of trusted, pre-vetted practitioners, viewing detailed profiles that include personal bios, ratings, and reviews, while practitioners retain a significant portion of the booking fees.

MiiCare is a company that specializes in creating an AI Home Care Platform designed to support older adults, families, and caregivers in promoting safe and healthy living environments. The platform focuses on active aging through a personalized, human-centered approach, addressing various health determinants such as physical surroundings, vital signs, and mental well-being. By incorporating telehealth devices, passive sensors, acoustic sensing, and AI-driven digital therapeutics, MiiCare enhances health outcomes for aging individuals. Its conversational AI, named Monica, functions as a Digital Health Coach, engaging users and monitoring their home environments while alerting caregivers to any significant health or behavioral changes. MiiCare's innovative solutions facilitate medication adherence, encourage healthy habits, and deliver tailored digital therapeutic content. The company aims to significantly reduce care costs, alleviate the burden on healthcare staff, and minimize hospitalizations, while maintaining high levels of user engagement.

Mootral SA is a British-Swiss AgriTech company founded in 2017 and based in Rolle, Switzerland. The company develops innovative solutions aimed at mitigating the environmental impact of agriculture, specifically focusing on reducing greenhouse gas emissions and addressing antimicrobial resistance. Mootral's primary products include a natural feed supplement designed to significantly lower methane emissions from ruminants, as well as solutions that eliminate the need for antibiotics in monogastric livestock. By providing these tools, Mootral aims to promote sustainable food production that benefits the environment, human health, and animal welfare, while also enhancing the economic viability for farmers.

Gravity Co-living is a catalyst for personal and professional development. It is a co-living brand that aims to create a global community of young professionals by offering beautifully designed living spaces with a strong focus on delivering the best possible lifestyle experience for members. Gravity Co-living was founded in 2017 and is based in London.

Zobi Limited, founded in 2018 and based in London, United Kingdom, specializes in home intelligence technology. The company designs and manufactures Hedgehog, a device that monitors WiFi networks to detect and prevent suspicious activity across all connected devices. Accompanying this hardware is the Hedgehog app, which enables users to scan and monitor their networks effectively. Zobi's solutions take a comprehensive approach to home security by anonymously profiling each household and utilizing this information to identify unusual behavior, thereby safeguarding homes from cybercriminals. The company primarily sells its products through online channels.

Pynk is an investment platform that harnesses the power of Artificial Intelligence to leverage the Wisdom IN Crowds™, allowing users to make informed investment decisions. The company aggregates predictions and forecasts from a global community of contributors across more than 185 countries, utilizing machine learning to analyze market data effectively. Founded in 2018 by experienced entrepreneurs Seth Ward, Rupert Barksfield, and Mark Little, Pynk aims to democratize wealth management by combining crowd-sourced insights with expert analysis. The platform empowers investors to mitigate risks and potentially achieve superior returns. Pynk is supported by notable financial institutions, including RBS and Natwest banks in the UK, and has successfully raised $2 million in pre-seed and seed funding to date.

AllPlants Ltd. is a London-based company established in 2016 that specializes in preparing and delivering vegan meal packages across the United Kingdom. The company offers a diverse menu featuring dishes from Asian, Italian, and Middle Eastern cuisines. AllPlants focuses on providing convenient, healthy, and sustainable meal options, with its frozen meals being handmade to ensure essential nutrients are preserved. The company is committed to environmentally friendly practices, utilizing packaging that is 100% recyclable, partly compostable, and mostly reusable. By delivering these carefully crafted meals directly to customers' doorsteps, AllPlants aims to promote a plant-based lifestyle that benefits both individuals and the planet.

Plum Fintech Limited, established in 2016 and headquartered in London with additional offices in Athens and Nicosia, develops Plum, an AI-driven money management application operating on Facebook Messenger. The company's software employs algorithms to analyze users' spending habits, enabling automated tracking and management of finances. As of now, Plum has assisted over 2 million individuals across Europe, offering services such as effortless saving, empowered spending, and accessible investing, including pension and tax-wrapper products.

EBar Initiatives is a start-up company focused on revolutionizing beverage service through its innovative self-service kiosks. These automated dispensers are designed to serve up to 200 pints per hour, significantly reducing wait times at large events and addressing bar capacity issues. By streamlining the beverage dispensing process, EBar enhances productivity while minimizing waste and staffing costs, which is particularly beneficial in an industry facing labor challenges. The company also offers mobile kiosks that can be relocated between venues, allowing for increased service capacity and the generation of recurring revenue through maintenance and commission fees.

Houst, formerly known as Airsorted, is a short-term rental management service based in London, U.K. Founded in 2015, the company specializes in providing a comprehensive platform for homeowners looking to maximize their rental income while minimizing the complexities associated with short-let hosting. Houst manages various aspects of property letting, including listing creation, pricing optimization, marketing, and guest management. By automating these processes, the company aims to deliver a hassle-free experience for homeowners, allowing them to achieve higher rental yields without the stress of day-to-day operations. With a mission to simplify home-sharing, Houst caters to both individual homeowners and the broader market by promoting efficient and effective rental practices.

Save Your Wardrobe is a Fashion and Retail Tech startup that offers a circular digital platform designed to enhance the post-purchase experience for fashion brands and retailers. By providing digital wardrobes and wallets, the platform facilitates end-to-end care and repair services for customers. The company collaborates with notable brands such as Zalando and Hugo Boss, operating in markets including the UK, Germany, France, and the United States. Its scalable, decentralized solution connects users with a network of vetted clothing care specialists, covering services like repairs, alterations, and special material care. The platform also integrates with existing brand ateliers and in-house tailors, optimizing operational logistics and communication while providing real-time data reporting for service bookings. Recently recognized with the LVMH Innovation Award at Vivatech 2023, Save Your Wardrobe is part of the La Maison des Startups accelerator program in Paris, which supports its expansion into the French luxury market. The company's software utilizes artificial intelligence to learn customer behaviors and recommend outfit combinations, promoting sustainable practices such as cleaning, altering, selling, donating, and recycling clothing.

TransferGo Ltd., established in 2012 and headquartered in London, specializes in international money transfers. It offers affordable, secure, and swift personal and commercial money transfer services, primarily targeting migrant workers sending funds to their families abroad. The company operates as a licensed and authorized payment institution, regulated by the Financial Conduct Authority (FCA) and supervised by Her Majesty's Revenue and Customs (HMRC). TransferGo charges a fixed fee per transaction, along with a currency conversion fee ranging from 0.6% to 1.5%. Its digital account-to-account business model enables users to transfer money overseas with same-day delivery, making it an efficient and cost-effective solution for both individuals and businesses.

Recruitment Smart is a B2B SaaS platform specializing in deep technology solutions for human resources. The company automates the entire talent supply chain process, allowing organizations to efficiently find, evaluate, and hire top talent ahead of their competitors. Its advanced platform leverages artificial intelligence to enhance the recruitment experience by streamlining screening and sourcing processes. By integrating with applicant tracking systems, it analyzes candidate attributes, including work experience, skills, and qualifications, while also considering qualitative factors such as length of service and geographical location. This comprehensive approach enables recruiters to identify and select the most suitable candidates for their organizations quickly and effectively.

AltoVita is a provider of an innovative corporate accommodation platform designed to streamline the process of booking travel accommodations for employees. The company utilizes enterprise software that emphasizes a human-centric approach, allowing organizations to quickly access a vast network of over 1 million vetted housing options worldwide, including serviced apartments, professionally managed homes, aparthotels, and co-living spaces. This platform significantly reduces the traditional 48-to-72-hour bidding process to just a few minutes, enabling companies to efficiently manage budget parameters while catering to the specific needs of their employees. AltoVita's services are backed by a comprehensive Four-Tier Quality Control system, ensuring compliance and duty of care. Headquartered in London, with regional offices in Singapore and Dallas, AltoVita operates in 165 countries and 1,238 cities, making it a prominent player in the corporate accommodations sector.

Play2Speak is an Edtech company that specializes in enhancing English language learning through an interactive virtual reality experience. The company has developed a language learning game that immerses users in a sea adventure, where they can engage in conversations with AI-based characters. This innovative approach helps anxious language learners practice speaking English in a safe and supportive environment, thereby boosting their confidence. Users can evaluate their pronunciation, vocabulary, and fluency through lifelike interactions, while also utilizing a scoring and reporting tool to track their progress. Play2Speak aims to transform the language learning experience by making it engaging and effective for learners of all levels.

savvy navvy Ltd is a Bournemouth-based company that operates a sailing navigation app, offering a comprehensive solution for sailors. Founded in 2017, the company aims to streamline the sailing experience by integrating automated route planning with real-time weather, tide, and boat data. This innovative app enables users to consolidate various navigation needs into a single platform, allowing for the creation of tailored passage plans based on specific boat details. By combining essential navigational elements, savvy navvy enhances safety and efficiency, making marine travel more accessible and convenient for sailors around the world.

Wegaw specializes in processing remote sensing satellite data using artificial intelligence to support the transition to clean energy. The company develops technology that integrates satellite, ground sensor, and weather data to monitor critical factors such as snow, which is essential for energy companies. By enhancing the accuracy of runoff and reservoir inflow calculations, Wegaw enables these companies to optimize their renewable energy production and improve trading efficiencies. This innovative approach not only helps clients increase energy production by 10% but also boosts energy trading prices by 5%, ultimately contributing to a reduction in fossil fuel dependency.

Spare Parts 3D is a company focused on transforming spare parts supply chains through innovative additive manufacturing solutions. It has developed an end-to-end software platform that automates the identification of parts suitable for 3D printing and creates digital inventories and passports. This system streamlines the selection of service suppliers for three-dimensional printing, enabling industrial businesses to implement additive manufacturing technology effectively. By driving inventory digitalization and facilitating local on-demand production, Spare Parts 3D aims to optimize operations and enhance efficiency in the management of spare parts.

NEO Finance, AB is a financial services company that specializes in peer-to-peer lending. Founded in 2014 and based in Vilnius, Lithuania, it operates across Lithuania, Latvia, Estonia, and the Netherlands. The company manages the "Paskolų klubas" platform, which facilitates peer-to-peer lending, and it also offers payment initiation and account information services through its "Neopay" brand. NEO Finance holds an unlimited e-money institution license and provides various financial products, including buyback and provision fund services. Its technology infrastructure includes an in-house IT system, and the company maintains a long-term partnership with a debt collection and recovery firm. NEO Finance aims to deliver competitive returns to its users, with an average return rate of 12 percent.

Virtuall is a company focused on transforming the meetings and events industry through innovative technology solutions. Its product suite includes Eventopedia, a leading cloud-based venue search platform that serves as a demand generation tool for event planners. Additionally, Virtuall is developing GoVirtual, a virtual events platform aimed at enhancing the experience of online gatherings. The company also offers an AI-automated video tour platform, which assists hotels and venues in showcasing their spaces effectively. By providing these tools, Virtuall enables event planners to discover venues worldwide while promoting sustainable and profitable connections in the industry.

Grocemania is an online marketplace and on-demand grocery delivery platform based in the UK, designed to streamline the grocery shopping experience. The platform enables customers to browse and order products from a variety of local grocery shops and supermarkets, providing a wide selection that includes groceries, fruits, vegetables, cosmetics, bakery items, and household products. With a minimum order value of £10 and a delivery fee of £2.50, Grocemania offers competitive pricing that matches in-store costs. The service ensures that orders are delivered within an hour, making grocery shopping more convenient for customers. Additionally, Grocemania generates incremental revenue for local shops by allowing them to reach customers without the need to establish their own digital presence or delivery systems.

Trezeo Limited is a Dublin-based company founded in 2016 that specializes in providing a software platform tailored for self-employed individuals. The platform enables users to predict and stabilize their income by averaging earnings over varying work periods, thus converting unpredictable income into regular payments. Trezeo's services aim to enhance financial stability for independent workers, offering solutions that alleviate work-related stress and promote financial peace of mind. Additionally, the platform facilitates the creation of digital payment accounts and securely manages personal details, ensuring users stay informed about their income and receive timely payments. By delivering inclusive financial services, Trezeo supports the aspirations of independent workers and contributes to a stronger societal framework.

Urban is a wellness service platform that facilitates the booking of at-home treatments through an online portal. Founded in London in 2014 by Jack Tang and Giles Williams, the platform connects users with qualified wellness professionals for a variety of services, including massage, beauty treatments, personal training, and osteopathy. Urban aims to democratize wellness by making these services accessible in urban areas, thereby integrating wellness into the busy lives of city dwellers. Users can select from a range of trusted, pre-vetted practitioners, viewing detailed profiles that include personal bios, ratings, and reviews, while practitioners retain a significant portion of the booking fees.

Zypho is a technology company specializing in drain water heat recovery systems. Their innovative solution is designed to capture heat energy from shower drain water, which can then be used to preheat incoming cold water. This technology significantly reduces energy loss, enabling users to save on energy costs and decrease their carbon footprint. Zypho's systems are particularly beneficial for environments with high shower usage, such as gyms, hospitals, and hotels, making them an attractive option for businesses and construction projects aiming to enhance energy efficiency. By facilitating the recovery of wasted heat energy, Zypho supports both new and retrofitted buildings in meeting energy efficiency targets amidst a growing demand for sustainable construction practices.

Yodomo is a London-based company founded in 2017 that specializes in craft making with an emphasis on well-being and the re-use of materials. The company operates within the textile recycling sector, focusing on redistributing waste materials sourced from the interior design and fashion industries. By providing these materials to a community of makers, designers, and hobbyists, Yodomo enables the creation of new products while promoting sustainable practices in managing textile waste. Its mission centers on giving discarded materials a new life, fostering creativity and innovation in the crafting community.

Vultus AB, founded in 2016 and based in Lund, Sweden, is an IT company specializing in precision farming solutions. It offers a satellite-based system that provides farmers with nitrogen recommendations tailored to specific crops, seed types, and field conditions. The company's technology analyzes plant health and quantifies field performance, helping farmers optimize fertilizer use and reduce waste. By offering precise fertilizer prescriptions, Vultus aims to increase crop yields, enhance profitability, and minimize environmental impact.

Virtuall is a company focused on transforming the meetings and events industry through innovative technology solutions. Its product suite includes Eventopedia, a leading cloud-based venue search platform that serves as a demand generation tool for event planners. Additionally, Virtuall is developing GoVirtual, a virtual events platform aimed at enhancing the experience of online gatherings. The company also offers an AI-automated video tour platform, which assists hotels and venues in showcasing their spaces effectively. By providing these tools, Virtuall enables event planners to discover venues worldwide while promoting sustainable and profitable connections in the industry.

Den Automation Ltd. specializes in the manufacturing of innovative light switches and plug sockets that can be controlled through a smartphone application, enhancing home automation. Founded in 2011 and based in London, the company offers a variety of products, including light switches, dimmer switches, plug sockets, remotes, motion sensors, hubs, and extension leads, alongside traditional non-smart alternatives. Aiming to modernize an essential household feature, Den combines conventional functionality with wireless control, enabling users to operate their lighting and power systems both manually and remotely. The company seeks to revolutionize the market for electrical switches and sockets globally, keeping pace with advancements in technology.

Trisbee is a payment solution company that specializes in facilitating cashless transactions for freelancers and businesses, both online and offline. Founded in 2017 by Frantisek and Matej, the company is headquartered in Prague, Czech Republic. Trisbee's platform simplifies the payment process by allowing users to conduct business without the need for paperwork, hardware, or complex contracts. Its application enables users to make payments via phone number to merchants or other individuals, making it easier for small businesses and entrepreneurs to accept card payments from bank-issued cards.

Gartenzwerg Technologies Ltd., established in 2016 and headquartered in London, specializes in FoodTech. The company designs and manufactures fully automated indoor gardening systems, utilizing Internet of Things (IoT) technology. These systems, known as Personal Smart Gardens, are hydroponic, using only water and nutrients to grow plants. The systems are connected to a user-friendly mobile application that monitors and controls key growing conditions such as pH level, light intensity, temperature, water level, and humidity. Gartenzwerg's mission is to make urban gardening accessible and sustainable, enabling users to grow fresh, nutritious food year-round at home.

Agility Scales is focused on enhancing workplace efficiency through a platform that offers crowdsourced business workflows and peer-to-peer guides. By prioritizing bottom-up exploration and gamification, the platform seeks to foster true business agility, encouraging innovation and productivity. Instead of traditional top-down transformation approaches, Agility Scales provides step-by-step guides accessible via smartphones and tablets, enabling users to navigate their work environments more effectively. The company leverages machine learning and personalized recommendations to empower individuals to become guides and explorers in their professional lives, ultimately aiming to make jobs better and easier for everyone involved.

Vultus is a developer of recruitment software and solutions designed to streamline the hiring process and automate back-office operations. The company offers a comprehensive suite of tools, including candidate sourcing, customer relationship management, resume harvesting, analytics, vendor management, cash flow management, and payroll management. Their primary products, Recruit and Connect, facilitate the transition from potential candidates to hires and enhance workforce management efficiency. By focusing on simplifying human capital solutions, Vultus aims to provide cloud-enabled technologies that meet the evolving needs of recruiters and organizations.

GoodBox is a technology startup dedicated to enhancing fundraising efforts for charities and non-profit organizations. By integrating innovative hardware and software solutions, the company aims to improve operational efficiencies and drive incremental revenue for its clients. GoodBox focuses on delivering cutting-edge products and services tailored to the unique needs of the non-profit sector, ultimately facilitating more effective and streamlined fundraising activities. Through its commitment to leveraging the latest technologies, GoodBox supports organizations in maximizing their fundraising potential while fostering greater engagement with their causes.

Add to Event Ltd. is a London-based company that operates an online marketplace designed to connect event organizers with a variety of event suppliers. Incorporated in 2014, the platform streamlines the process of finding trusted suppliers, allowing clients to easily plan their events with just a few clicks. Users can compare different suppliers and receive personalized quotes for a range of services, including catering, audiovisual equipment, party rentals, and entertainment options. By facilitating these connections, Add to Event aims to enhance the event planning experience and ensure successful gatherings.

CommuterClub, based in London, United Kingdom, offers a software solution designed to help businesses manage season ticket schemes. Founded in 2013 by Petko Plachkov, the company provides a digital subscription service for public transport tickets, allowing consumers to save money. Its platform enables commuters to obtain loans for yearly season tickets or travel cards, facilitating monthly payments instead of a large upfront cost. Users can easily sign up online within minutes and have the flexibility to cancel anytime without penalty, making public transportation more accessible and affordable.

Wriggle is a company that operates a web and app marketplace focused on helping users discover and transact with carefully selected local food and drink establishments. Their platform enables users to find local restaurants and cafes and provides unique codes for browsing various opportunities and offers available at these venues, as well as at local events and places. The application is designed to cater to the needs of the hospitality industry by facilitating user engagement with local dining experiences.

Revolut Limited, established in 2013 and headquartered in London, UK, is a financial services company specializing in mobile banking. It offers a mobile application enabling users to exchange currencies at interbank rates, send money via social networks, and spend using a multi-currency card. Revolut also provides insurance services, including phone, medical, and travel insurance, and has expanded its offerings to include cryptocurrency and stock trading. The company operates globally, facilitating cross-border money transfers and helping users manage their finances, make payments, and track spending through its user-friendly mobile app.

Muzeums is a London-based company founded in 2015 by David Pond that specializes in digitizing the visitor experience for museums and similar institutions, including botanical gardens, heritage sites, and parks. The company develops application software that delivers personalized content to visitors based on their individual interests and learning styles. By dynamically rearranging tagged, location-based, and experiential content, Muzeums enhances the way visitors engage with exhibits, allowing for an individualized exploration of cultural and educational resources. The platform not only provides access to raw content but also profiles visitors to curate a tailored experience, helping institutions better showcase their highlights and improve visitor engagement.

Plum Fintech Limited, established in 2016 and headquartered in London with additional offices in Athens and Nicosia, develops Plum, an AI-driven money management application operating on Facebook Messenger. The company's software employs algorithms to analyze users' spending habits, enabling automated tracking and management of finances. As of now, Plum has assisted over 2 million individuals across Europe, offering services such as effortless saving, empowered spending, and accessible investing, including pension and tax-wrapper products.

Homeit is a property management company that specializes in the Sharing Economy, focusing on short-term property rentals and shared spaces. The company has developed a smart locks system that enhances property access and management. Its platform connects homes to the internet, integrating smart locks installed on access doors with internal intercom systems. This technology allows users to unlock both the building's street door and the individual property door, streamlining access for guests and property managers alike. Homeit's solution enables efficient management of multiple properties from a single interface, addressing the unique challenges associated with short-term rentals.

Wealthify is a Cardiff-based fintech company that provides an innovative online investment platform aimed at making investing accessible to everyone. Established in early 2016, Wealthify offers personalized investment plans that allow individuals to automate and simplify their investment decisions. The platform is designed to be user-friendly, enabling people without prior market expertise or experience to effectively grow their money. By offering transparent and affordable investment solutions, Wealthify empowers users to manage all their investments in a single dashboard, facilitating effortless and efficient financial growth.

Moteefe is an e-commerce platform established in 2014 that facilitates the sale of customized merchandise through social media channels. Designed for a diverse range of users from individual entrepreneurs to larger retailers, the platform empowers users to transform their creative designs into merchandise that can be sold globally within minutes. By offering a print-on-demand service, Moteefe allows users to create and market custom clothing and other products without significant upfront investment. The platform supports entrepreneurship by enabling individuals and organizations to operate their own white-labeled stores or sell through their existing websites, thus providing a comprehensive solution for those looking to enter the custom merchandise market.

Sell My Livestock was originally the brainchild of Dan Luff, a 4th generation Hampshire-based cattle farmer. Back in 2012 he was becoming increasingly frustrated by his inability to reach the market prices published by AHDB. On top of this, the arduous task of telephoning round to see who was offering the best price seemed archaic.

Landbay is a full-stack mortgage lender based in the UK, facilitating investment into residential mortgages from retail investors, institutions, and local governments. The company matches funding to diversified portfolios through its platform, focusing on supporting the growth of quality private rental accommodation across England and Wales. Landbay originates mortgages through a network of accredited intermediaries and strategic partnerships, such as with Zoopla Property Group. Fully authorized and regulated by the Financial Conduct Authority (FCA), Landbay operates without FSCS protection, indicating that capital is at risk.