Speedinvest

Pliant is a European fintech that specializes in B2B payment solutions through an API-first platform designed to streamline spending, improve cash flow, and embed payments into financial workflows. It serves industries with complex payment needs, such as travel and fleet, by enabling greater efficiency, control, and profitability. The company targets two primary segments: businesses seeking operational automation and extended credit lines, and financial software platforms, ERP providers, and banks seeking to offer embedded finance and white-label credit card solutions. Founded in 2020 and headquartered in Berlin, Pliant supports over 3,500 businesses and more than 20 partners, and operates as a licensed e-money institution issuing Visa-powered credit cards in 11 currencies across more than 30 countries. The platform provides customizable credit card management, automated transaction tracking, and real-time spending control to enhance financial oversight, reduce administrative workload, and optimize cash flow while maintaining security compliance.

Mundi is a fintech company that transforms financial technology by offering access to capital market products and opportunities to businesses of all sizes.

Rho Protocol is a decentralized trading platform specializing in the derivatives market. It facilitates non-custodial, on-chain trading of crypto-native and traditional finance (tradfi) interest rates, using a proprietary concentrated liquidity virtual automatic market maker and margin engine. This enables users to trade rates such as staking rewards and perpetual funding rates, without counterparty risk and with enhanced capital efficiency.

Khazna is a mobile application platform designed to enhance financial services for Egyptians, particularly targeting the 50% of the population who are active smartphone users but lack access to traditional banking. The company offers a range of services, including General Purpose Credit, Buy Now Pay Later (BNPL), bill payment, savings, and insurance. Additionally, Khazna enables employers to provide cash advances to employees for unforeseen emergencies and facilitates seamless transfers and withdrawals without transaction fees. By focusing on digitizing cash transactions, Khazna aims to provide convenient, effective, and secure smartphone-based financial solutions, thereby improving the overall financial landscape in Egypt and potentially beyond.

Tranched is a financial technology company that focuses on innovating loan securitization through a blockchain-based platform. It provides a more efficient and transparent method for securitizing loans by automating processes with smart contracts, thereby eliminating the need for intermediaries. This streamlined approach allows Fintech lenders and professional investors to complete institutional-grade transactions up to 90% faster than traditional methods. Tranched's services are tailored to the modern financial services sector, enabling customers to effectively manage and invest in debt instruments by creating tranches that address various risk profiles or characteristics. By leveraging real-time on-chain securitization, Tranched enhances the efficiency and security of loan representation and investment.

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

One Trading is an institutional-grade spot exchange for digital assets, recognized for its robust platform designed for both retail and institutional investors. The company holds a Virtual Asset Service Provider (VASP) license in Italy and is in the process of applying for a MiFID II license to expand its offerings to include regulated crypto derivatives. Leveraging a partnership with Amazon Web Services, One Trading boasts the distinction of being one of the fastest digital asset trading venues available. Its platform provides essential features such as market data, charting tools, and efficient order execution, facilitating effective trading for its users.

Palm specializes in AI-powered treasury software designed to optimize financial operations for businesses. The platform offers solutions for generating accurate cash forecasts quickly and managing company funds efficiently. Palm's technology streamlines automated workflows for forecasting and cash movement, ensuring enterprise-grade security and controls. The company focuses on addressing treasury challenges with innovative solutions, supported by a team with expertise in treasury and fintech. Palm's services are aimed at improving financial decision-making and operational efficiency for its clients.

Kema is Fintech SaaS platform that aims to accelerate cashflow for B2B SMEs in MENA. Kema transforms how businesses sell to one another by digitizing, automating, and streamlining the invoice-to-cash process, also known as accounts receivable. Businesses benefit from shorter transactions cycles while saving both time and money.

Tuum is a cloud-native banking platform that is spearheading the next generation of digital innovation in the financial services industry. Built around a microservices architecture, the platform consists of flexible and independent modules covering all retail and business banking capabilities. The platform is API-based for quick and easy integration and can run on all major cloud providers, as well as on private clouds. Founded by a team of banking and technology experts in 2019, Tuum combines technological excellence with in-depth banking knowledge and packages it into a sophisticated, cutting-edge platform. Tuum currently employs over 60 people with offices in Tallinn, Berlin and Malaga.

Flowdesk is a regulated digital asset trading firm specializing in market making, OTC services, and treasury management. It offers a compliant trading platform connecting blockchains, custodians, and service providers with deep liquidity and real-time analytics.

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

Rho Protocol is a decentralized trading platform specializing in the derivatives market. It facilitates non-custodial, on-chain trading of crypto-native and traditional finance (tradfi) interest rates, using a proprietary concentrated liquidity virtual automatic market maker and margin engine. This enables users to trade rates such as staking rewards and perpetual funding rates, without counterparty risk and with enhanced capital efficiency.

Due is a blockchain payment service provider that is developing a platform to connect domestic payment channels utilizing open and interoperable blockchain protocols.

Due is a fintech company aiming to revolutionize international payments by leveraging stablecoins and blockchain technology.

Octav is a data analytics platform tailored for the decentralized finance (DeFi) sector, offering users a comprehensive toolkit for portfolio tracking and management. The platform enables investors to analyze their financial activities by providing insights into cost basis, profits, and losses across various assets and non-fungible tokens (NFTs) on major blockchain networks. Users can correct inaccurate transaction records and utilize in-house tools to engage with the web3 ecosystem, allowing them to buy, sell, claim, or compound their assets directly within the platform. This functionality empowers investors to make informed decisions regarding their DeFi investments.

One Trading is an institutional-grade spot exchange for digital assets, recognized for its robust platform designed for both retail and institutional investors. The company holds a Virtual Asset Service Provider (VASP) license in Italy and is in the process of applying for a MiFID II license to expand its offerings to include regulated crypto derivatives. Leveraging a partnership with Amazon Web Services, One Trading boasts the distinction of being one of the fastest digital asset trading venues available. Its platform provides essential features such as market data, charting tools, and efficient order execution, facilitating effective trading for its users.

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

Morgana is a digital mortgage broker focused on transforming the mortgage industry in Latin America. By offering a streamlined application process that is five times faster than traditional methods, Morgana simplifies the loan experience for customers. The company's platform intelligently matches clients with various mortgage options based on factors such as credit size, property value, debt capacity, and risk profile. This innovative approach not only enhances accessibility to mortgage products but also positions Morgana as a competitive alternative to traditional banks in the region. With deep market knowledge and access to valuable data, Morgana is poised to lead advancements in the mortgage sector.

Toqio is a technology company founded in 2019 by Eduardo Martinez and Michael Galvin, with offices in London, Madrid, and Nairobi. It specializes in providing a platform that enables organizations to develop customized fintech solutions, either as mobile applications or web-based services. Toqio offers software integration tools tailored for the financial industry, facilitating various functions such as digital banking, onboarding, transaction monitoring, and the distribution of financial products and services. Its platform includes a marketplace of partners and supports configuration and customization, allowing companies to rapidly deploy data-driven financial propositions to their customers.

Timberhub is a digital marketplace that facilitates international timber trading by connecting buyers and sellers through an end-to-end online platform. The company focuses on digitizing the entire procurement process for sawn timber, encompassing purchasing, transportation, and financing of raw materials. By streamlining these processes, Timberhub enables businesses to access the necessary support and services in the timber industry, enhancing efficiency and transparency in transactions.

Consola.finance is a business-to-business finance and accounting software as a service (SaaS) platform designed specifically for Web3 businesses. It focuses on automating financial processes such as bookkeeping, reporting, and analytics. The platform offers features like cross-chain tracking and rule-based categorization, allowing clients to manage and analyze blockchain data effectively. By consolidating and augmenting financial information, Consola.finance provides Web3 firms with enhanced clarity and control over their financial operations, facilitating better decision-making and operational efficiency in the evolving cryptocurrency landscape.

Julaya is a fintech company empowering African businesses with digital financial solutions. It offers services such as mobile money transactions for employees and suppliers, virtual and physical prepaid cards, utility bill payments, and access to digital loans.

Ledgy develops a valuation tracking platform to manage equity capital and employee participation. The platform streamlines vesting plans, phantom programs, and numbered shares, digitizing equity management to provide entrepreneurs and shareholders with clear insights into their capital table, financing rounds, and exit talks. Founded in 2017 in Zurich, Switzerland, Ledgy supports startups and growing companies in planning and communicating equity arrangements for stakeholders.

Unstoppable Finance is developing a next-generation cryptocurrency wallet aimed at making decentralized finance (DeFi) accessible to retail investors worldwide.

Flowdesk is a regulated digital asset trading firm specializing in market making, OTC services, and treasury management. It offers a compliant trading platform connecting blockchains, custodians, and service providers with deep liquidity and real-time analytics.

Friday Finance is a financial management platform based in Berlin, Germany, designed for startups and small to medium-sized businesses (SMBs) in Europe. Established in 2021, the company aims to simplify B2B finance by offering tools that facilitate the collection, payment, and financing of invoices. Its platform integrates with users' existing bank accounts, providing real-time insights into cash flow while enabling businesses to pay bills, create financial forecasts, and streamline their month-end closing processes. By centralizing various financial functions, Friday Finance enhances control, visibility, and automation for finance teams, ultimately helping businesses save time and operate more efficiently.

Pemo is a comprehensive spend management solution that streamlines business operations by consolidating invoices, expenses, approvals, and spending decisions onto one platform. It offers smart corporate cards, invoice payment systems, expense tracking functions, automated approval flows, direct accounting integration, and real-time reporting to help businesses save time, money, automate administrative tasks, and gain visibility into their expenses.

Timberhub is a digital marketplace that facilitates international timber trading by connecting buyers and sellers through an end-to-end online platform. The company focuses on digitizing the entire procurement process for sawn timber, encompassing purchasing, transportation, and financing of raw materials. By streamlining these processes, Timberhub enables businesses to access the necessary support and services in the timber industry, enhancing efficiency and transparency in transactions.

Kevin is a fintech company that offers an advanced account-to-account payment infrastructure. It aims to replace traditional card transactions with direct bank account payments, improving customer experience and reducing costs for merchants.

Morgana is a digital mortgage broker focused on transforming the mortgage industry in Latin America. By offering a streamlined application process that is five times faster than traditional methods, Morgana simplifies the loan experience for customers. The company's platform intelligently matches clients with various mortgage options based on factors such as credit size, property value, debt capacity, and risk profile. This innovative approach not only enhances accessibility to mortgage products but also positions Morgana as a competitive alternative to traditional banks in the region. With deep market knowledge and access to valuable data, Morgana is poised to lead advancements in the mortgage sector.

Khazna is a mobile application platform designed to enhance financial services for Egyptians, particularly targeting the 50% of the population who are active smartphone users but lack access to traditional banking. The company offers a range of services, including General Purpose Credit, Buy Now Pay Later (BNPL), bill payment, savings, and insurance. Additionally, Khazna enables employers to provide cash advances to employees for unforeseen emergencies and facilitates seamless transfers and withdrawals without transaction fees. By focusing on digitizing cash transactions, Khazna aims to provide convenient, effective, and secure smartphone-based financial solutions, thereby improving the overall financial landscape in Egypt and potentially beyond.

Yokoy is a FinTech company that automates spend management for medium and large enterprises. Its platform combines expense management, supplier invoice management, and smart corporate cards into one intuitive system powered by artificial intelligence and machine learning.

Moove is a fintech company specializing in mobility finance. It provides revenue-based vehicle financing to mobility entrepreneurs across Africa, democratizing vehicle ownership. Moove embeds alternative credit-scoring technology onto ride-hailing, logistics, and delivery platforms, using proprietary performance analytics to underwrite loans.

Moove is a fintech company specializing in mobility finance. It provides revenue-based vehicle financing to mobility entrepreneurs across Africa, democratizing vehicle ownership. Moove embeds alternative credit-scoring technology onto ride-hailing, logistics, and delivery platforms, using proprietary performance analytics to underwrite loans.

+Simple is an innovative French insurtech platform designed for freelancers and small-to-medium-sized enterprises. It employs proprietary technology to optimize insurance coverage throughout the contract duration, personalizing offers based on business activities and evolution. The platform ensures secure online subscription and provides an electronic safe for dematerialized contracts.

Finary is a wealth management platform based in Paris, France, founded in 2020. The company provides users with tools to effectively track and manage their financial assets, including personal finance, real estate, cryptocurrencies, insurance, and other securities. Finary's platform is designed to offer a comprehensive overview of asset allocation, allowing users to monitor, analyze, and optimize their investments. By facilitating tailored management of diverse financial portfolios, Finary empowers individuals to make informed decisions regarding their wealth.

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

Billie GmbH, founded in 2016 and based in Berlin, Germany, is a fintech startup focused on reinventing working capital management for small and medium-sized enterprises (SMEs). The company offers innovative lending products, including pre-financing of invoices and online factoring services. Billie's platform leverages big data analytics and digitalized processes to provide instant financing at the point-of-sale and streamline invoice factoring, helping SMEs manage their outgoing invoices efficiently without hidden fees or excessive paperwork. Additionally, Billie assists B2B online merchants in securing better payment terms through a pay-after-delivery product.

Kevin is a fintech company that offers an advanced account-to-account payment infrastructure. It aims to replace traditional card transactions with direct bank account payments, improving customer experience and reducing costs for merchants.

Unstoppable Finance is developing a next-generation cryptocurrency wallet aimed at making decentralized finance (DeFi) accessible to retail investors worldwide.

Moove is a fintech company specializing in mobility finance. It provides revenue-based vehicle financing to mobility entrepreneurs across Africa, democratizing vehicle ownership. Moove embeds alternative credit-scoring technology onto ride-hailing, logistics, and delivery platforms, using proprietary performance analytics to underwrite loans.

Tulipshare is a pioneering platform that empowers retail investors to engage in activist investing, traditionally dominated by institutional players. It combines crowdfunding with shareholder rights, enabling users to collectively purchase stakes in prominent public companies and influence their governance or strategic direction. By setting a minimum investment threshold of one euro, Tulipshare democratizes access to activist investing, allowing individuals to vote with their money and promote ethical change within corporate boards globally.

Tide is a UK-based fintech company specializing in business banking services for small and medium-sized enterprises (SMEs). Its platform offers streamlined business accounts and administrative solutions, such as seamless integration with accounting systems, to help SMEs save time and money. Tide's advanced technology is tailored to the needs of SMEs, making it a leading challenger in the UK's SME banking sector. The company is committed to serving SMEs exclusively, focusing on their unique requirements.

Toqio is a technology company founded in 2019 by Eduardo Martinez and Michael Galvin, with offices in London, Madrid, and Nairobi. It specializes in providing a platform that enables organizations to develop customized fintech solutions, either as mobile applications or web-based services. Toqio offers software integration tools tailored for the financial industry, facilitating various functions such as digital banking, onboarding, transaction monitoring, and the distribution of financial products and services. Its platform includes a marketplace of partners and supports configuration and customization, allowing companies to rapidly deploy data-driven financial propositions to their customers.

FairMoney is a mobile banking platform founded in 2017, operating from Paris, France, and Lagos, Nigeria. The platform specializes in providing credit to private and business borrowers, particularly targeting underbanked populations in emerging markets. By leveraging smartphone data, FairMoney develops an instant credit score for users, facilitating access to various loan types, including personal, business, medical, and car loans. The company has disbursed over 350,000 loans and aims to make financial services more accessible and affordable for millions in Africa and South-East Asia. With a team of 45 professionals and backing from European and American investors, FairMoney is committed to transforming the financial landscape for underserved communities.

Tulipshare is a pioneering platform that empowers retail investors to engage in activist investing, traditionally dominated by institutional players. It combines crowdfunding with shareholder rights, enabling users to collectively purchase stakes in prominent public companies and influence their governance or strategic direction. By setting a minimum investment threshold of one euro, Tulipshare democratizes access to activist investing, allowing individuals to vote with their money and promote ethical change within corporate boards globally.

Friday Finance is a financial management platform based in Berlin, Germany, designed for startups and small to medium-sized businesses (SMBs) in Europe. Established in 2021, the company aims to simplify B2B finance by offering tools that facilitate the collection, payment, and financing of invoices. Its platform integrates with users' existing bank accounts, providing real-time insights into cash flow while enabling businesses to pay bills, create financial forecasts, and streamline their month-end closing processes. By centralizing various financial functions, Friday Finance enhances control, visibility, and automation for finance teams, ultimately helping businesses save time and operate more efficiently.

Wayflyer is a Dublin-based revenue-based financing platform specifically designed for e-commerce brands. The company offers fast and affordable funding solutions to facilitate business growth while simplifying the financing process. In addition to funding, Wayflyer provides an analytics platform that leverages a daily underwriting engine to assess marketing performance. This enables e-commerce businesses to receive detailed insights and recommendations aimed at optimizing their campaign budgets and enhancing overall performance. By combining financial support with actionable marketing analytics, Wayflyer aims to empower e-commerce brands to achieve sustainable growth.

Finary is a wealth management platform based in Paris, France, founded in 2020. The company provides users with tools to effectively track and manage their financial assets, including personal finance, real estate, cryptocurrencies, insurance, and other securities. Finary's platform is designed to offer a comprehensive overview of asset allocation, allowing users to monitor, analyze, and optimize their investments. By facilitating tailored management of diverse financial portfolios, Finary empowers individuals to make informed decisions regarding their wealth.

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

Friday Finance is a financial management platform based in Berlin, Germany, designed for startups and small to medium-sized businesses (SMBs) in Europe. Established in 2021, the company aims to simplify B2B finance by offering tools that facilitate the collection, payment, and financing of invoices. Its platform integrates with users' existing bank accounts, providing real-time insights into cash flow while enabling businesses to pay bills, create financial forecasts, and streamline their month-end closing processes. By centralizing various financial functions, Friday Finance enhances control, visibility, and automation for finance teams, ultimately helping businesses save time and operate more efficiently.

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

Wayflyer is a Dublin-based revenue-based financing platform specifically designed for e-commerce brands. The company offers fast and affordable funding solutions to facilitate business growth while simplifying the financing process. In addition to funding, Wayflyer provides an analytics platform that leverages a daily underwriting engine to assess marketing performance. This enables e-commerce businesses to receive detailed insights and recommendations aimed at optimizing their campaign budgets and enhancing overall performance. By combining financial support with actionable marketing analytics, Wayflyer aims to empower e-commerce brands to achieve sustainable growth.

Factris is a fintech company founded in 2017, headquartered in Amsterdam. It specializes in providing working capital solutions for SMEs by purchasing their unpaid invoices.

Lummo empower entrepreneurs and brands in SEA to accelerate their growth and to serve their customers by giving them the best technology.

Bnext is a Madrid-based fintech platform that operates as a digital banking platform and marketplace for financial products. It enables users to open a current account quickly and connect external bank accounts and other financial information within a single app. Through a curated marketplace, users can access a range of financial and insurance products from selected fintechs and banks, compare offers, and purchase or manage products without leaving the app. The company emphasizes collaboration with its partners to provide competitive, well-matched options, including offerings across real estate investment, mutual funds, loans, crowdlending, and microloans. By aggregating accounts and products, Bnext aims to simplify personal finance and expand access to diverse financial services.

Lizza operates as a subsidiary of Peter Cremer Holding GmbH & Co. KG, focusing on a marketplace for e-commerce brands and content creators.

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

MindsDB is an open source company that designs an automated machine learning platform, enabling users to ask predictive questions of their data and receive accurate answers. The MindsDB platform automates the steps required to generate reliable predictions, effectively turning a database into an automated data science capability. It supports a broad range of applications, including credit scoring, customer lifetime value optimization, direct marketing, fraud detection, inventory management, predictive maintenance, price modeling, product personalization, and risk assessment. MindsDB serves industries such as retail, financial services, high tech and manufacturing, healthcare, energy, and insurance. Founded in 2017 and based in Berkeley, California, the company aims to democratize machine learning and make advanced analytics accessible across teams.

FinCompare GmbH is a fintech startup based in Berlin, Germany, that provides a financing platform tailored for small and medium-sized enterprises (SMEs). Founded in October 2016 by Stephan Heller, the company enables businesses to access a wide array of financing options, including corporate loans, factoring, leasing, warehouse financing, and mezzanine capital. Through its online platform, FinCompare allows users to independently compare offers from various banks, fintechs, and alternative financial services providers, simplifying the financing process with a digital application system. This one-stop destination for financing questions empowers SMEs to make informed decisions, facilitating their ability to secure loans from reliable lenders while enhancing risk management.

ready2order is a fintech company that specializes in developing a digital cash-register application aimed at reducing administrative burdens for small and medium-sized businesses. Launched in 2015 as a hobby project, the platform has since streamlined operations for over 10,000 entrepreneurs by offering a comprehensive Point of Sale system. The company is focused on expanding its services to include payment solutions and banking, with particular emphasis on the German market, which presents significant growth potential. By integrating features such as cash book management, data security, employee management, and inventory control, ready2order empowers small businesses to optimize their operations and make informed decisions. The company strives to support entrepreneurs in navigating the complexities of self-employment, allowing them to concentrate on what matters most—their passion and customer service.

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

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

Invesdor is a Northern European fintech platform founded in 2012. It connects ambitious European growth companies with investors from over 70 countries, facilitating secure and easy investment opportunities.

Bnext is a Madrid-based fintech platform that operates as a digital banking platform and marketplace for financial products. It enables users to open a current account quickly and connect external bank accounts and other financial information within a single app. Through a curated marketplace, users can access a range of financial and insurance products from selected fintechs and banks, compare offers, and purchase or manage products without leaving the app. The company emphasizes collaboration with its partners to provide competitive, well-matched options, including offerings across real estate investment, mutual funds, loans, crowdlending, and microloans. By aggregating accounts and products, Bnext aims to simplify personal finance and expand access to diverse financial services.

FairMoney is a mobile banking platform founded in 2017, operating from Paris, France, and Lagos, Nigeria. The platform specializes in providing credit to private and business borrowers, particularly targeting underbanked populations in emerging markets. By leveraging smartphone data, FairMoney develops an instant credit score for users, facilitating access to various loan types, including personal, business, medical, and car loans. The company has disbursed over 350,000 loans and aims to make financial services more accessible and affordable for millions in Africa and South-East Asia. With a team of 45 professionals and backing from European and American investors, FairMoney is committed to transforming the financial landscape for underserved communities.

Billie GmbH, founded in 2016 and based in Berlin, Germany, is a fintech startup focused on reinventing working capital management for small and medium-sized enterprises (SMEs). The company offers innovative lending products, including pre-financing of invoices and online factoring services. Billie's platform leverages big data analytics and digitalized processes to provide instant financing at the point-of-sale and streamline invoice factoring, helping SMEs manage their outgoing invoices efficiently without hidden fees or excessive paperwork. Additionally, Billie assists B2B online merchants in securing better payment terms through a pay-after-delivery product.

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

Estateguru is a Pan-European marketplace facilitating property-backed loans for small and medium enterprises (SMEs), connecting them with global investors. It offers a seamless, cross-border digital service, bypassing traditional financial institutions.

Open Financial Technologies Pvt Ltd, established in 2016 and based in Bengaluru, India, specializes in developing an online platform for banking and intercompany settlement. The company provides digital banking services tailored for startups and small to medium enterprises (SMEs), offering digital bank accounts equipped with tools for bookkeeping, invoicing, money transfers, and credit access. Additionally, Open's application programming interface (API) platform enables financial institutions to integrate banking and payment functionalities into their applications and accounting systems.

Prime Factor Capital is a cryptocurrency asset manager that specializes in providing investment management services focused on crypto assets. The company aims to assist clients in broadening their earnings portfolio by offering insights into the value of their investments and managing crypto asset investments. With a commitment to delivering comprehensive asset management solutions, Prime Factor Capital caters to individuals and institutions seeking to navigate the complexities of the cryptocurrency market.

Open Financial Technologies Pvt Ltd, established in 2016 and based in Bengaluru, India, specializes in developing an online platform for banking and intercompany settlement. The company provides digital banking services tailored for startups and small to medium enterprises (SMEs), offering digital bank accounts equipped with tools for bookkeeping, invoicing, money transfers, and credit access. Additionally, Open's application programming interface (API) platform enables financial institutions to integrate banking and payment functionalities into their applications and accounting systems.

Tide is a UK-based fintech company specializing in business banking services for small and medium-sized enterprises (SMEs). Its platform offers streamlined business accounts and administrative solutions, such as seamless integration with accounting systems, to help SMEs save time and money. Tide's advanced technology is tailored to the needs of SMEs, making it a leading challenger in the UK's SME banking sector. The company is committed to serving SMEs exclusively, focusing on their unique requirements.

Factris is a fintech company founded in 2017, headquartered in Amsterdam. It specializes in providing working capital solutions for SMEs by purchasing their unpaid invoices.

MindsDB is an open source company that designs an automated machine learning platform, enabling users to ask predictive questions of their data and receive accurate answers. The MindsDB platform automates the steps required to generate reliable predictions, effectively turning a database into an automated data science capability. It supports a broad range of applications, including credit scoring, customer lifetime value optimization, direct marketing, fraud detection, inventory management, predictive maintenance, price modeling, product personalization, and risk assessment. MindsDB serves industries such as retail, financial services, high tech and manufacturing, healthcare, energy, and insurance. Founded in 2017 and based in Berkeley, California, the company aims to democratize machine learning and make advanced analytics accessible across teams.

Grandhood is a Danish investment management firm established in 2016, headquartered in Copenhagen. The company specializes in retirement planning and pension services, aiming to modernize the traditionally stagnant workplace pension industry through digital innovation. Grandhood offers an online platform that enables employers to provide pensions to their employees, along with voluntary health insurance and other benefits. The platform facilitates digital onboarding and provides advisory services at a competitive cost, ensuring swift customer support. Grandhood continually updates its product to adapt to evolving consumer needs, targeting companies embracing digital solutions for workplace pension management.

Lemonway is a pan-European payment institution specializing in secure payment processing for marketplaces (B2B, B2C, C2C) and alternative finance platforms. It offers wallet management, third-party payments, anti-money laundering (AML), and customer verification (KYC) services. Lemonway is authorized by the ACPR and operates across 28 European countries.

Credi2 is a company that develops and operates modern payment and financing solutions for banks, financial service providers, and trading companies. Utilizing a proven technology platform, Credi2 automates all processes, from initial customer contact to the management of outstanding claims. The company collaborates with several notable financial institutions, including Volkswagen Bank, Deutsche Handelsbank, BLSK, Raiffeisen Bank International, and Erste Bank. Among its well-known offerings is cashpresso, an app that allows users to manage expenses through flexible credit lines and pay in adjustable installments. Credi2 aims to enhance the financial services landscape by providing innovative and efficient solutions tailored to customer needs.

FinCompare GmbH is a fintech startup based in Berlin, Germany, that provides a financing platform tailored for small and medium-sized enterprises (SMEs). Founded in October 2016 by Stephan Heller, the company enables businesses to access a wide array of financing options, including corporate loans, factoring, leasing, warehouse financing, and mezzanine capital. Through its online platform, FinCompare allows users to independently compare offers from various banks, fintechs, and alternative financial services providers, simplifying the financing process with a digital application system. This one-stop destination for financing questions empowers SMEs to make informed decisions, facilitating their ability to secure loans from reliable lenders while enhancing risk management.

FairMoney is a mobile banking platform founded in 2017, operating from Paris, France, and Lagos, Nigeria. The platform specializes in providing credit to private and business borrowers, particularly targeting underbanked populations in emerging markets. By leveraging smartphone data, FairMoney develops an instant credit score for users, facilitating access to various loan types, including personal, business, medical, and car loans. The company has disbursed over 350,000 loans and aims to make financial services more accessible and affordable for millions in Africa and South-East Asia. With a team of 45 professionals and backing from European and American investors, FairMoney is committed to transforming the financial landscape for underserved communities.

Koin is a pioneering financial technology company in Latin America, specializing in Buy Now, Pay Later solutions that are designed to be secure and free of bureaucracy. The company provides a range of financial services for both business-to-business and business-to-consumer markets, including payment options through Pix and a robust anti-fraud solution. Koin aims to enhance the shopping experience by making consumption more accessible and valuable for consumers and corporate clients alike. By facilitating online purchases with a post-pay application that ensures payment occurs only after product receipt, Koin fosters trust between users and online retailers. In 2020, Koin was acquired by Despegar, the largest travel company in the region, further solidifying its position in the market.

Loot Financial Services Ltd., established in 2014 and headquartered in London, offers a unique financial service combining a pre-paid Visa debit card with a budgeting app. This service provides users with real-time spending information, weekly budgets data, and the ability to pause/unpause their card via the web application. The company's primary business is to deliver these innovative banking alternatives to consumers, helping them manage their finances more effectively.

Billie GmbH, founded in 2016 and based in Berlin, Germany, is a fintech startup focused on reinventing working capital management for small and medium-sized enterprises (SMEs). The company offers innovative lending products, including pre-financing of invoices and online factoring services. Billie's platform leverages big data analytics and digitalized processes to provide instant financing at the point-of-sale and streamline invoice factoring, helping SMEs manage their outgoing invoices efficiently without hidden fees or excessive paperwork. Additionally, Billie assists B2B online merchants in securing better payment terms through a pay-after-delivery product.

Investory is a startup focused on developing an investor relations management platform tailored for the startup ecosystem. Its platform streamlines the process of collecting, processing, and communicating crucial business data between startups and their investors. By automating and simplifying reporting, Investory enables investors to access essential investment information in a digitized and consolidated format, enhancing efficiency and reducing costs. The company's innovative approach aims to revolutionize startup capital markets by leveraging data and artificial intelligence, ultimately facilitating data-driven decision-making for venture capitalists and other investors engaged with emerging companies.

Cyberwrite specializes in providing cyber insurance solutions for small and medium-sized businesses (SMBs). It leverages proprietary algorithms, such as 4SEEN, for underwriting and risk management. The company serves clients across over 20 countries, supporting multiple languages.

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

FinCompare GmbH is a fintech startup based in Berlin, Germany, that provides a financing platform tailored for small and medium-sized enterprises (SMEs). Founded in October 2016 by Stephan Heller, the company enables businesses to access a wide array of financing options, including corporate loans, factoring, leasing, warehouse financing, and mezzanine capital. Through its online platform, FinCompare allows users to independently compare offers from various banks, fintechs, and alternative financial services providers, simplifying the financing process with a digital application system. This one-stop destination for financing questions empowers SMEs to make informed decisions, facilitating their ability to secure loans from reliable lenders while enhancing risk management.

Credi2 is a company that develops and operates modern payment and financing solutions for banks, financial service providers, and trading companies. Utilizing a proven technology platform, Credi2 automates all processes, from initial customer contact to the management of outstanding claims. The company collaborates with several notable financial institutions, including Volkswagen Bank, Deutsche Handelsbank, BLSK, Raiffeisen Bank International, and Erste Bank. Among its well-known offerings is cashpresso, an app that allows users to manage expenses through flexible credit lines and pay in adjustable installments. Credi2 aims to enhance the financial services landscape by providing innovative and efficient solutions tailored to customer needs.

Billie GmbH, founded in 2016 and based in Berlin, Germany, is a fintech startup focused on reinventing working capital management for small and medium-sized enterprises (SMEs). The company offers innovative lending products, including pre-financing of invoices and online factoring services. Billie's platform leverages big data analytics and digitalized processes to provide instant financing at the point-of-sale and streamline invoice factoring, helping SMEs manage their outgoing invoices efficiently without hidden fees or excessive paperwork. Additionally, Billie assists B2B online merchants in securing better payment terms through a pay-after-delivery product.

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

Loot Financial Services Ltd., established in 2014 and headquartered in London, offers a unique financial service combining a pre-paid Visa debit card with a budgeting app. This service provides users with real-time spending information, weekly budgets data, and the ability to pause/unpause their card via the web application. The company's primary business is to deliver these innovative banking alternatives to consumers, helping them manage their finances more effectively.

Loot Financial Services Ltd., established in 2014 and headquartered in London, offers a unique financial service combining a pre-paid Visa debit card with a budgeting app. This service provides users with real-time spending information, weekly budgets data, and the ability to pause/unpause their card via the web application. The company's primary business is to deliver these innovative banking alternatives to consumers, helping them manage their finances more effectively.

Credi2 is a company that develops and operates modern payment and financing solutions for banks, financial service providers, and trading companies. Utilizing a proven technology platform, Credi2 automates all processes, from initial customer contact to the management of outstanding claims. The company collaborates with several notable financial institutions, including Volkswagen Bank, Deutsche Handelsbank, BLSK, Raiffeisen Bank International, and Erste Bank. Among its well-known offerings is cashpresso, an app that allows users to manage expenses through flexible credit lines and pay in adjustable installments. Credi2 aims to enhance the financial services landscape by providing innovative and efficient solutions tailored to customer needs.

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

Estateguru is a Pan-European marketplace facilitating property-backed loans for small and medium enterprises (SMEs), connecting them with global investors. It offers a seamless, cross-border digital service, bypassing traditional financial institutions.

Enbrite.ly is a company that specializes in improving online advertising and marketing performance through comprehensive tools and services. Established in 2014 and based in Budapest, Hungary, Enbrite.ly focuses on marketing source analysis and detailed reporting aimed at identifying and eliminating fraudulent activities within marketing channels. By providing actionable insights, the company helps clients, including webshops, advertising networks, and traffic brokers, enhance their return on investment and foster safe marketing practices, particularly in Europe. Through its offerings, Enbrite.ly aims to prevent future fraud and support sustainable growth for its customers.

Wikifolio is a FinTech company that operates a social trading platform aimed at democratizing financial investments. The platform allows traders to convert their portfolios into financial products known as "wikifolios," which are listed on Europe's leading exchange for structured products. It provides access to a diverse investment universe, including over 100,000 stocks, funds, and various structured products. Investors can easily invest in selected trading strategies by purchasing wikifolio certificates through their chosen brokerage accounts. The platform offers real-time visibility of trades and key performance metrics, along with commentary from traders, promoting transparency and informed decision-making. Wikifolio is committed to establishing new standards in the investment industry with a fair fee structure.

Holvi is a licensed Payment Institution offering digital small business banking across Europe. It provides a single platform for invoicing, bookkeeping, and traditional banking services, simplifying financial administration for solopreneurs, freelancers, micro businesses, and startups.

Wikifolio is a FinTech company that operates a social trading platform aimed at democratizing financial investments. The platform allows traders to convert their portfolios into financial products known as "wikifolios," which are listed on Europe's leading exchange for structured products. It provides access to a diverse investment universe, including over 100,000 stocks, funds, and various structured products. Investors can easily invest in selected trading strategies by purchasing wikifolio certificates through their chosen brokerage accounts. The platform offers real-time visibility of trades and key performance metrics, along with commentary from traders, promoting transparency and informed decision-making. Wikifolio is committed to establishing new standards in the investment industry with a fair fee structure.