Startup Wise Guys

Monkee is a financial technology company founded in Austria that offers a unique application designed to enhance personal finance and loyalty. The app encourages users to save money for important goals while shopping consciously for necessary items. By integrating behavioral design, gamification, and machine learning, Monkee promotes financial fitness by helping users maintain a sustainable balance between saving and spending. This innovative approach not only benefits users by increasing their savings but also assists retail partners in engaging consumers effectively, resulting in significantly higher sales conversion and customer retention. Monkee aims to establish the concept of "Save now Buy Later" as a responsible alternative to traditional "Buy now Pay Later" schemes. The app was initially launched in Germany and Austria, targeting users who seek to improve their financial well-being.

CryptoSwift helps crypto businesses comply with the Travel Rule via secure, automated data exchange between VASPs.

Vivox AI specializes in developing AI-powered agents that automate key financial crime compliance tasks, such as business onboarding, prospect pre-qualification, and Know Your Customer (KYC) checks. These AI workers enhance efficiency, reduce manual workload, and ensure traceable, audit-ready results for compliance teams in the financial services sector.

Quoroom is a UK-based investment management platform that specializes in providing comprehensive solutions for angel syndicates, venture capital funds, and private companies. The platform offers regulated capital raising and special purpose vehicle (SPV) management services, allowing deal managers to set up UK and US SPVs efficiently. Quoroom's services encompass legal documentation, international investor onboarding, compliance processes, and capital management, including support for various investment types such as debt deals and cryptocurrencies. The platform features tools for portfolio monitoring, investor reporting, and document management, enhancing the efficiency of the investment process. Quoroom has facilitated transactions involving a diverse range of investors and offers expertise in complex deal management. With a straightforward pricing structure, Quoroom allows users to initiate deals at no cost by gauging investor interest through soft commitment forms.

Credi is a blockchain-based platform that allows decentralized investors to diversify their portfolios through tokenized real-world assets. The company specializes in providing access to high-quality, on-chain fixed-income products, including structured portfolios backed by a variety of public and private credit assets. Credi aims to enable both traditional and decentralized finance investors to achieve double-digit returns while ensuring liquidity and capital preservation in their investments.

Epoint is a digital payment aggregator and e-commerce platform based in Azerbaijan, designed to assist small and medium-sized entrepreneurs in accepting bank card payments seamlessly and without additional costs or technical expertise. The platform offers a range of features, including downloadable financial reports, transaction logs, a multilingual interface, and tools for QR and invoice payments, facilitating a comprehensive online payment experience for businesses. Epoint has established significant partnerships, notably with Visa and BDO, and has garnered recognition in various international startup competitions, including being a runner-up at the Takeoff competition in 2022 and a semi-finalist at the Astana Hub Battle. As the first fintech company in Azerbaijan to receive a "Startup Certificate" from the Ministry of Economy, Epoint benefits from a three-year exemption from income tax, underscoring its innovative role in the financial technology landscape of the region.

Synapze is a technology company that specializes in AI solutions for the financial services sector, notably through its product, TinyAI. This innovative platform provides a cost-effective and privacy-compliant alternative for automating various processes, including back office operations, onboarding, and lending. TinyAI's unique design allows it to function without the need for expensive GPU resources, making it not only faster—up to ten times quicker than traditional large language models—but also significantly more economical. By integrating TinyAI into their existing automation tools, financial institutions can achieve substantial cost savings, reportedly up to 75% in process costs. Synapze's focus on scalable and explainable AI positions it as a valuable partner for organizations seeking to enhance their operational efficiency through advanced technology.

Wall ID is a technology company that specializes in enhancing e-commerce checkout processes. It offers a decentralized ID checkout platform that securely transmits ID data alongside payments, enabling a seamless single-click checkout experience. This platform aims to improve e-commerce challenges by increasing conversion rates, reducing fees, and streamlining the Know Your Customer (KYC) process for businesses. Additionally, Wall ID helps e-commerce merchants boost profitability by up to 6% through enhanced customer experience and robust fraud prevention measures.

Monkee is a financial technology company founded in Austria that offers a unique application designed to enhance personal finance and loyalty. The app encourages users to save money for important goals while shopping consciously for necessary items. By integrating behavioral design, gamification, and machine learning, Monkee promotes financial fitness by helping users maintain a sustainable balance between saving and spending. This innovative approach not only benefits users by increasing their savings but also assists retail partners in engaging consumers effectively, resulting in significantly higher sales conversion and customer retention. Monkee aims to establish the concept of "Save now Buy Later" as a responsible alternative to traditional "Buy now Pay Later" schemes. The app was initially launched in Germany and Austria, targeting users who seek to improve their financial well-being.

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.

Monkee is a financial technology company founded in Austria that offers a unique application designed to enhance personal finance and loyalty. The app encourages users to save money for important goals while shopping consciously for necessary items. By integrating behavioral design, gamification, and machine learning, Monkee promotes financial fitness by helping users maintain a sustainable balance between saving and spending. This innovative approach not only benefits users by increasing their savings but also assists retail partners in engaging consumers effectively, resulting in significantly higher sales conversion and customer retention. Monkee aims to establish the concept of "Save now Buy Later" as a responsible alternative to traditional "Buy now Pay Later" schemes. The app was initially launched in Germany and Austria, targeting users who seek to improve their financial well-being.

CREX Capital is a financial services company based in Berlin, established in 2022 by Marc Wohlschlaeger, Maciej Jakub Merkel, and Michael Wetzel. The firm focuses on transforming the commercial real estate financing sector by providing a regulatory-compliant platform that facilitates financing transactions. Utilizing advanced technologies such as artificial intelligence and blockchain, CREX Capital offers an automated analysis system that enhances the decision-making and mediation processes in real estate financing. This innovative approach enables clients to experience a faster, more secure, and comprehensive financing process, making it easier to navigate the complexities of commercial real estate transactions.

Epoint is a digital payment aggregator and e-commerce platform based in Azerbaijan, designed to assist small and medium-sized entrepreneurs in accepting bank card payments seamlessly and without additional costs or technical expertise. The platform offers a range of features, including downloadable financial reports, transaction logs, a multilingual interface, and tools for QR and invoice payments, facilitating a comprehensive online payment experience for businesses. Epoint has established significant partnerships, notably with Visa and BDO, and has garnered recognition in various international startup competitions, including being a runner-up at the Takeoff competition in 2022 and a semi-finalist at the Astana Hub Battle. As the first fintech company in Azerbaijan to receive a "Startup Certificate" from the Ministry of Economy, Epoint benefits from a three-year exemption from income tax, underscoring its innovative role in the financial technology landscape of the region.

Cabal is a financial application designed for entrepreneurs and micro-entrepreneurs, particularly in Latin America. It enables users to manage their finances effectively by keeping records of daily transactions related to sales, expenses, and inventory. The app offers features that allow business owners to customize their stores and streamline order processing from customers, all accessible from their mobile devices. With over 70,000 users globally, Cabal empowers small business owners to take control of their operations and make informed financial decisions from anywhere.

FXKudi is a fintech company focused on enhancing cross-border money transfers in Africa by providing an instant and reliable service through a mobile application and a network of distributed agents. The platform eliminates fees for money transfers between African countries, allowing users to send, receive, and exchange funds effortlessly. Utilizing unstructured supplementary service data (USSD), FXKudi ensures accessibility for users without smartphones, thereby bridging the gap in offline transfer services. By simplifying the money transfer process, FXKudi enables consumers to make borderless global payments and support their families and friends across the continent efficiently.

At Hisa, we are building the infrastructure for borderless investments for Africa to allow everyday Africans to easily invest in both local and global assets including stocks, ETFs, bonds and alternative investments. Less than 1% of the adult population in Sub-Saharan Africa invests in the capital markets; our mission at Hisa is to fix that through simplified investment products and educational content.

Texelio is a developer of a B2B wealth tech platform focused on enhancing the stock market news experience for retail investors. The company's solutions leverage natural language understanding and visual analytics to convert cluttered financial media into clear, actionable insights. By providing tailored content to trading platforms, Texelio helps improve user retention, engagement, and commission income for its customers. This innovative approach enables investors to make informed decisions, thereby driving customer loyalty and increasing assets under management for the platforms they utilize.

Heavnn specializes in developing in-house tax technology aimed at addressing global tax challenges faced by digital nomads and remote-first businesses. By anticipating the effects of international travel, the company enables its clients to create customized tax plans for their workforce. Heavnn manages all the necessary paperwork, allowing clients to focus on their operations while mitigating corporate risks associated with remote teams. Through its innovative solutions, Heavnn supports businesses in navigating the complexities of international taxation, enhancing their ability to accommodate a mobile workforce.

TeklifimGelsin is a personalized financial platform designed to connect users with various financial institutions, enabling them to compare offers tailored to their specific needs. The platform facilitates quick applications, allowing users to finalize transactions in under 40 seconds. It provides a range of complimentary services, including loans, investment products, and insurance, while also offering insights through its Credit Score Report. By integrating with banks, credit reference agencies, and insurance companies, TeklifimGelsin enhances the user experience by delivering instant access to customized financial solutions, including loans, deposits, credit cards, and insurance offerings. The company continuously develops its framework to address users' financial challenges and improve their financial decision-making processes.

SmartBill is a banking API solution for banks and financial institutions. It enables access to the banking and financial data of customers via open banking regulations. Its product line also includes Consent Comes First for consent management, Identity Now for fraud detection and prevention, Affordability Checker for creditworthiness assessment, and Profile 360 for understanding consumer demands.

Naivera is a developer of financial and property technology focused on promoting sustainable credit in Africa and facilitating affordable housing acquisition. The company's platform connects various stakeholders, including property creators, affordable house buyers, and financial lenders. By fostering these connections, Naivera aims to reduce investment risk for property owners and investors, while also enabling individuals to generate passive income and build wealth through real estate. The company's mission centers on enhancing accessibility to affordable housing, thereby contributing to wealth creation and economic growth in the region.

Sortika is a mobile-based personal wealth management service that aims to democratize savings and investments through its innovative micro-savings platform. The company provides a personal financial management app that enables users to set and achieve their financial and personal goals while simplifying the financial planning process. By offering tools that facilitate effective savings and investment strategies, Sortika empowers consumers to take control of their financial futures.

A Fintech as a Service Platform empowering Entrepreneurs, Startups, & Banks to build and launch Fintech products using pre-existing APIs and No Code templates under a Pay as you Go model. Today we operate in the Investment & Personal Financial Management verticals, helping entrepreneurs go from Idea Stage to MVP to Product in the fastest, easiest, and cheapest way possible.

Zerek.ai is a company that specializes in transforming banks into highly customized, AI-driven interactive applications, focusing primarily on mobile-first banking and fintech solutions. Founded in 2020 and headquartered in Astana, Kazakhstan, Zerek.ai provides a data-driven personalization platform that empowers banks to integrate their data effectively. The platform enables banks to create rich audience segments and engage consumers across multiple channels, including in-app notifications, SMS, email, and advertisements. Through its automated segmentation and targeting features, Zerek.ai facilitates real-time, personalized marketing campaigns, analytics, and insights, helping clients enhance their data-driven operations and optimize customer engagement.

iFactor is a technology company focused on enhancing the financing options for small and medium-sized enterprises (SMEs) through innovative solutions. It offers an ESG-oriented proprietary technology that leverages artificial intelligence and machine learning to improve credit risk assessments for SMEs. By utilizing alternative data, including Know Your Customer (KYC) and anti-money laundering processes, iFactor streamlines lending processes, reduces the risk of fraud and default, and enhances cost efficiency. The company also operates a hybrid marketplace where various lenders, including banks and investors, can bid on SME loan applications, ensuring better capital allocation aligned with lenders' risk appetites. Additionally, iFactor provides an invoice trading platform, allowing SMEs to sell their invoices for immediate cash, thereby facilitating quick access to liquidity without lengthy wait times. This combination of services positions iFactor as a key player in the alternative financing landscape for SMEs.

Monkee is a financial technology company founded in Austria that offers a unique application designed to enhance personal finance and loyalty. The app encourages users to save money for important goals while shopping consciously for necessary items. By integrating behavioral design, gamification, and machine learning, Monkee promotes financial fitness by helping users maintain a sustainable balance between saving and spending. This innovative approach not only benefits users by increasing their savings but also assists retail partners in engaging consumers effectively, resulting in significantly higher sales conversion and customer retention. Monkee aims to establish the concept of "Save now Buy Later" as a responsible alternative to traditional "Buy now Pay Later" schemes. The app was initially launched in Germany and Austria, targeting users who seek to improve their financial well-being.

PayQin Ltd., established in 2017 with headquarters in London, operates an e-wallet platform accessible via a mobile application. This app includes a virtual debit card for online payments, facilitating cross-border transactions for both individuals and businesses. The company aims to simplify international payments by offering low fees, real-time processing, and a user-friendly experience, allowing small and medium-sized enterprises (SMEs) to focus on growth rather than payment complexities. PayQin has additional locations in France and Sweden.

Sweephy is a platform that specializes in AI-driven regulatory compliance monitoring services, focusing on organizations in sectors such as FinTech, small banking, and stock trading. The platform continuously scans for regulatory changes across Europe, Turkey, and the UK, providing instant notifications to help organizations maintain compliance and mitigate risks associated with non-compliance. Sweephy's offerings include regulation monitoring for 27 EU countries, compliance monitoring, credit risk scoring, and financial regulation analytics, facilitating informed decision-making for mid- to long-term strategies. By integrating directly with regulatory data sources, Sweephy streamlines compliance management, delivering real-time updates, custom notifications, and instant alerts. Additionally, the platform features an API that allows for seamless integration with internal systems, improving operational efficiency. Sweephy also provides specialized development services to help organizations align their operations with complex regulatory requirements, offering tailored solutions to enhance both compliance and operational effectiveness.

Tipit develops a financial service technology that enables cashless tipping for customers. It provides direct tipping to employees' personal bank accounts. Tipit is based at Vilnius, Lithuania.

FXKudi is a fintech company focused on enhancing cross-border money transfers in Africa by providing an instant and reliable service through a mobile application and a network of distributed agents. The platform eliminates fees for money transfers between African countries, allowing users to send, receive, and exchange funds effortlessly. Utilizing unstructured supplementary service data (USSD), FXKudi ensures accessibility for users without smartphones, thereby bridging the gap in offline transfer services. By simplifying the money transfer process, FXKudi enables consumers to make borderless global payments and support their families and friends across the continent efficiently.

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.

Planet42 is a company focused on enhancing access to personal vehicles for individuals who are often overlooked by traditional banking systems. It operates by purchasing second-hand cars from a network of motor dealers and offering them to customers through a subscription model. This innovative approach allows clients to rent vehicles without the need to pay the full financing cost upfront. Planet42 employs technology to assess customers' validation documents, such as identity papers and financial statements, ensuring a streamlined process that eliminates the necessity for in-person interactions. By providing affordable rent-to-buy options, Planet42 aims to facilitate financial inclusion and democratize mobility for a broader audience.

Ondato is a technology company that specializes in streamlining Know Your Customer (KYC) and Anti-Money Laundering (AML) processes. It offers advanced solutions for digital identity verification, business customer onboarding, data validation, and fraud detection, all from a single interface. The company's tools, which leverage artificial intelligence and machine learning, are designed to help banks and fintech companies comply with regulatory requirements while enhancing data protection and privacy. Ondato's services are applicable across various industries, including banking, fintech, blockchain, and online trading, facilitating a more efficient and secure compliance experience for organizations and their customers. By integrating compliance into business operations, Ondato aims to create a safer environment for all stakeholders involved.

Kaiku is an early-stage funding platform designed to assist first-time venture funds in streamlining their investment processes. The company has developed an artificial intelligence-based sourcing tool that automates deal origination for investors, facilitating improved funding exposure for startups. By collaborating with over 300 venture capitalists across 50 countries, Kaiku gathers feedback on investor preferences, enhancing the quality of leads for its clients. This approach not only supports emerging venture funds in sourcing deal flow but also helps build a global network, ultimately simplifying early-stage investment activities in the market.

iDEAL Rent is a company that specializes in enabling businesses across various sectors to enter the car subscription market through its proprietary software platform. By adopting a B2B2C business model, iDEAL Rent allows companies, particularly in insurance, finance, and energy, to act as mobility distributors using a white-label solution. This platform aggregates all available car subscription offers and includes a virtual sales tutor, which assists sales representatives throughout the sales process while managing administrative complexities. Since its inception in Italy, iDEAL Rent has established partnerships with over 100 B2B clients and aims to scale its operations across Europe with a focus on an asset-light electric vehicle car subscription proposition. The company seeks to capitalize on the evolving landscape of mobility distribution, providing a significant market opportunity.

Kernolab is a fintech company that specializes in providing a platform for businesses to integrate financial features directly into their products. The services offered by Kernolab include accounts, payments, cards, loans, and insurance, all designed to be adaptable to customer needs. The company's platform focuses on enhancing user experience by being intuitive, secure, and easy to use. By embedding these financial functionalities, Kernolab enables companies to improve end-user retention and drive revenue growth while offering better fintech products tailored to their customers' requirements.

Jeff is a personalized loan broker that connects borrowers with lenders by utilizing alternative data to assess creditworthiness. Founded in 2019 and based in Riga, Latvia, Jeff aims to provide financial services to the unbanked population who lack traditional credit histories. By gathering data from various digital sources such as smartphones, social media, and geolocation, Jeff creates innovative solutions to evaluate potential borrowers’ credit profiles. The company’s platform allows users to search, compare, and secure loan offers conveniently while also offering loan-related advice. Through its unique approach, Jeff fosters access to financing and aims to establish a new standard for alternative credit scoring.

PayQin Ltd., established in 2017 with headquarters in London, operates an e-wallet platform accessible via a mobile application. This app includes a virtual debit card for online payments, facilitating cross-border transactions for both individuals and businesses. The company aims to simplify international payments by offering low fees, real-time processing, and a user-friendly experience, allowing small and medium-sized enterprises (SMEs) to focus on growth rather than payment complexities. PayQin has additional locations in France and Sweden.

JetBeep Inc. is a technology provider focused on developing innovative solutions for mobile payment systems, parcel locker automation, and customer engagement. Founded in 2018 and headquartered in Lewes, Delaware, the company offers a mobile payment wallet platform that serves banks and retailers. Additionally, JetBeep specializes in transforming traditional, cable-based parcel lockers into autonomous systems by integrating microcontrollers and software, making them smart and cost-efficient. With a network of over 4,950 operational devices, JetBeep serves more than 1.3 million consumers across various applications. The company collaborates with partners such as system integrators and metal manufacturers to deliver tailored projects and can either act as a technology provider for specific project components or manage entire processes, including vendor contracting. JetBeep's customer engagement system enhances personalized offers and promotions, enabling brands to engage with consumers contextually and effectively.

Kevin. is a fintech company that specializes in providing an advanced account-to-account payment infrastructure designed to replace traditional card transactions. By leveraging open banking, Kevin. develops its own direct connections to banks, eliminating the need for third-party aggregators. This unique approach enables businesses to transition from costly card payments to more affordable and secure transactions directly from customers' bank accounts. The platform offers fully customizable solutions that can scale to meet the needs of any business. By improving the overall customer experience and enhancing conversion rates, Kevin. not only streamlines payment processes but also reduces costs associated with payment acquiring services for merchants.

Jeff is a personalized loan broker that connects borrowers with lenders by utilizing alternative data to assess creditworthiness. Founded in 2019 and based in Riga, Latvia, Jeff aims to provide financial services to the unbanked population who lack traditional credit histories. By gathering data from various digital sources such as smartphones, social media, and geolocation, Jeff creates innovative solutions to evaluate potential borrowers’ credit profiles. The company’s platform allows users to search, compare, and secure loan offers conveniently while also offering loan-related advice. Through its unique approach, Jeff fosters access to financing and aims to establish a new standard for alternative credit scoring.

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.

Kaiku is an early-stage funding platform designed to assist first-time venture funds in streamlining their investment processes. The company has developed an artificial intelligence-based sourcing tool that automates deal origination for investors, facilitating improved funding exposure for startups. By collaborating with over 300 venture capitalists across 50 countries, Kaiku gathers feedback on investor preferences, enhancing the quality of leads for its clients. This approach not only supports emerging venture funds in sourcing deal flow but also helps build a global network, ultimately simplifying early-stage investment activities in the market.

Monkee is a financial technology company founded in Austria that offers a unique application designed to enhance personal finance and loyalty. The app encourages users to save money for important goals while shopping consciously for necessary items. By integrating behavioral design, gamification, and machine learning, Monkee promotes financial fitness by helping users maintain a sustainable balance between saving and spending. This innovative approach not only benefits users by increasing their savings but also assists retail partners in engaging consumers effectively, resulting in significantly higher sales conversion and customer retention. Monkee aims to establish the concept of "Save now Buy Later" as a responsible alternative to traditional "Buy now Pay Later" schemes. The app was initially launched in Germany and Austria, targeting users who seek to improve their financial well-being.

Kernolab is a fintech company that specializes in providing a platform for businesses to integrate financial features directly into their products. The services offered by Kernolab include accounts, payments, cards, loans, and insurance, all designed to be adaptable to customer needs. The company's platform focuses on enhancing user experience by being intuitive, secure, and easy to use. By embedding these financial functionalities, Kernolab enables companies to improve end-user retention and drive revenue growth while offering better fintech products tailored to their customers' requirements.

Ondato is a technology company that specializes in streamlining Know Your Customer (KYC) and Anti-Money Laundering (AML) processes. It offers advanced solutions for digital identity verification, business customer onboarding, data validation, and fraud detection, all from a single interface. The company's tools, which leverage artificial intelligence and machine learning, are designed to help banks and fintech companies comply with regulatory requirements while enhancing data protection and privacy. Ondato's services are applicable across various industries, including banking, fintech, blockchain, and online trading, facilitating a more efficient and secure compliance experience for organizations and their customers. By integrating compliance into business operations, Ondato aims to create a safer environment for all stakeholders involved.

ForPeeps is a mobile banking application designed to consolidate various banking services into a single platform. It enables users to link multiple bank accounts, facilitating seamless money transfers, online payments, and bill splitting. This financial technology aims to simplify the banking experience by allowing users to manage their financial transactions easily and efficiently within one application.

Monevio Consulting is a fintech company that provides all financial services. It enables brands to deliver embedded finance and better fintech products faster. Electronic Money Institution consulting services are Market review, Business Plan/ Go-to-Market strategy, Financial plan preparation​, IT part documentation preparation, and Human recourse Management. Bank Account Opening, Compliance, and White Labels are other banking services.

IPOhub is a pan-European investment platform that aims to simplify the process of investing in share issues and initial public offerings (IPOs). The company connects investors with small and medium-sized enterprises (SMEs) across Europe, facilitating access to investment opportunities in growth markets. IPOhub's online platform serves as a comprehensive resource for information on upcoming and current IPOs and offerings. It features a stock exchange aggregator and a metasearch engine, allowing clients to easily search, research, and subscribe to various investment opportunities. By promoting investment in SMEs, IPOhub seeks to support economic growth and make investing accessible and equitable for individuals across different regions.

Nobe is a fintech company headquartered in Estonia that focuses on simplifying tax declaration for autonomous owners, solopreneurs, and individuals. By integrating e-invoices, accounting, tax registration, and banking into a single platform, Nobe aims to streamline the tax process and reduce bureaucratic obstacles. The company seeks to empower users by transforming taxes into a source of new capital, thereby enhancing access to essential services such as housing, healthcare, and transport. In addition to its tax solutions, Nobe provides a digital ID wallet that allows users to securely manage their personal information and establish autonomous businesses without the burdens of traditional government regulations. Nobe's mission is to eliminate bureaucracy and make financial management more accessible and efficient for everyone, with its initial operations launched in Mexico.

EvoEstate is a real estate crowdfunding aggregator that simplifies property investment for individuals. By offering a platform that allows investors to access opportunities across various major European real estate crowdfunding platforms from a single account, EvoEstate enables users to diversify their investment portfolios. The platform features a range of investment options, including buy-to-let properties, fixed-interest loans, and equity investments. With a focus on minimizing risk while maximizing returns, EvoEstate caters to both small and large investors, facilitating the growth of their real estate portfolios through a streamlined investment process.

Kevin. is a fintech company that specializes in providing an advanced account-to-account payment infrastructure designed to replace traditional card transactions. By leveraging open banking, Kevin. develops its own direct connections to banks, eliminating the need for third-party aggregators. This unique approach enables businesses to transition from costly card payments to more affordable and secure transactions directly from customers' bank accounts. The platform offers fully customizable solutions that can scale to meet the needs of any business. By improving the overall customer experience and enhancing conversion rates, Kevin. not only streamlines payment processes but also reduces costs associated with payment acquiring services for merchants.

Planet42 is a company focused on enhancing access to personal vehicles for individuals who are often overlooked by traditional banking systems. It operates by purchasing second-hand cars from a network of motor dealers and offering them to customers through a subscription model. This innovative approach allows clients to rent vehicles without the need to pay the full financing cost upfront. Planet42 employs technology to assess customers' validation documents, such as identity papers and financial statements, ensuring a streamlined process that eliminates the necessity for in-person interactions. By providing affordable rent-to-buy options, Planet42 aims to facilitate financial inclusion and democratize mobility for a broader audience.

Ondato is a technology company that specializes in streamlining Know Your Customer (KYC) and Anti-Money Laundering (AML) processes. It offers advanced solutions for digital identity verification, business customer onboarding, data validation, and fraud detection, all from a single interface. The company's tools, which leverage artificial intelligence and machine learning, are designed to help banks and fintech companies comply with regulatory requirements while enhancing data protection and privacy. Ondato's services are applicable across various industries, including banking, fintech, blockchain, and online trading, facilitating a more efficient and secure compliance experience for organizations and their customers. By integrating compliance into business operations, Ondato aims to create a safer environment for all stakeholders involved.

Moduulo is an integrated B2B2B platform tailored for accountants and their clients, focusing on enhancing efficiency in the accounting workflow. The platform enables accountants to streamline their operations by optimizing workflows, managing deadlines, and accessing valuable data insights, thereby minimizing the traditional bookkeeping workload. Clients benefit from a tailored ERP system provided by their accountants, which facilitates improved processes in bookkeeping, communication, and overall workflow management. Additionally, Moduulo leverages machine learning for self-learning process automation, allowing accounting firms to utilize smart invoicing and factoring tools without needing additional business software. This approach not only reduces workload but also helps organizations save time and money while effectively managing their business processes.

Kevin. is a fintech company that specializes in providing an advanced account-to-account payment infrastructure designed to replace traditional card transactions. By leveraging open banking, Kevin. develops its own direct connections to banks, eliminating the need for third-party aggregators. This unique approach enables businesses to transition from costly card payments to more affordable and secure transactions directly from customers' bank accounts. The platform offers fully customizable solutions that can scale to meet the needs of any business. By improving the overall customer experience and enhancing conversion rates, Kevin. not only streamlines payment processes but also reduces costs associated with payment acquiring services for merchants.

JetBeep Inc. is a technology provider focused on developing innovative solutions for mobile payment systems, parcel locker automation, and customer engagement. Founded in 2018 and headquartered in Lewes, Delaware, the company offers a mobile payment wallet platform that serves banks and retailers. Additionally, JetBeep specializes in transforming traditional, cable-based parcel lockers into autonomous systems by integrating microcontrollers and software, making them smart and cost-efficient. With a network of over 4,950 operational devices, JetBeep serves more than 1.3 million consumers across various applications. The company collaborates with partners such as system integrators and metal manufacturers to deliver tailored projects and can either act as a technology provider for specific project components or manage entire processes, including vendor contracting. JetBeep's customer engagement system enhances personalized offers and promotions, enabling brands to engage with consumers contextually and effectively.

Ondato is a technology company that specializes in streamlining Know Your Customer (KYC) and Anti-Money Laundering (AML) processes. It offers advanced solutions for digital identity verification, business customer onboarding, data validation, and fraud detection, all from a single interface. The company's tools, which leverage artificial intelligence and machine learning, are designed to help banks and fintech companies comply with regulatory requirements while enhancing data protection and privacy. Ondato's services are applicable across various industries, including banking, fintech, blockchain, and online trading, facilitating a more efficient and secure compliance experience for organizations and their customers. By integrating compliance into business operations, Ondato aims to create a safer environment for all stakeholders involved.

Kevin. is a fintech company that specializes in providing an advanced account-to-account payment infrastructure designed to replace traditional card transactions. By leveraging open banking, Kevin. develops its own direct connections to banks, eliminating the need for third-party aggregators. This unique approach enables businesses to transition from costly card payments to more affordable and secure transactions directly from customers' bank accounts. The platform offers fully customizable solutions that can scale to meet the needs of any business. By improving the overall customer experience and enhancing conversion rates, Kevin. not only streamlines payment processes but also reduces costs associated with payment acquiring services for merchants.

EvoEstate is a real estate crowdfunding aggregator that simplifies property investment for individuals. By offering a platform that allows investors to access opportunities across various major European real estate crowdfunding platforms from a single account, EvoEstate enables users to diversify their investment portfolios. The platform features a range of investment options, including buy-to-let properties, fixed-interest loans, and equity investments. With a focus on minimizing risk while maximizing returns, EvoEstate caters to both small and large investors, facilitating the growth of their real estate portfolios through a streamlined investment process.

Planet42 is a company focused on enhancing access to personal vehicles for individuals who are often overlooked by traditional banking systems. It operates by purchasing second-hand cars from a network of motor dealers and offering them to customers through a subscription model. This innovative approach allows clients to rent vehicles without the need to pay the full financing cost upfront. Planet42 employs technology to assess customers' validation documents, such as identity papers and financial statements, ensuring a streamlined process that eliminates the necessity for in-person interactions. By providing affordable rent-to-buy options, Planet42 aims to facilitate financial inclusion and democratize mobility for a broader audience.

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.

Ondato is a technology company that specializes in streamlining Know Your Customer (KYC) and Anti-Money Laundering (AML) processes. It offers advanced solutions for digital identity verification, business customer onboarding, data validation, and fraud detection, all from a single interface. The company's tools, which leverage artificial intelligence and machine learning, are designed to help banks and fintech companies comply with regulatory requirements while enhancing data protection and privacy. Ondato's services are applicable across various industries, including banking, fintech, blockchain, and online trading, facilitating a more efficient and secure compliance experience for organizations and their customers. By integrating compliance into business operations, Ondato aims to create a safer environment for all stakeholders involved.

JetBeep Inc. is a technology provider focused on developing innovative solutions for mobile payment systems, parcel locker automation, and customer engagement. Founded in 2018 and headquartered in Lewes, Delaware, the company offers a mobile payment wallet platform that serves banks and retailers. Additionally, JetBeep specializes in transforming traditional, cable-based parcel lockers into autonomous systems by integrating microcontrollers and software, making them smart and cost-efficient. With a network of over 4,950 operational devices, JetBeep serves more than 1.3 million consumers across various applications. The company collaborates with partners such as system integrators and metal manufacturers to deliver tailored projects and can either act as a technology provider for specific project components or manage entire processes, including vendor contracting. JetBeep's customer engagement system enhances personalized offers and promotions, enabling brands to engage with consumers contextually and effectively.

H-Finance is a provider of infrastructure and compliance solutions tailored for financial institutions and fintech companies engaging with digital assets. The company specializes in facilitating the integration of cryptocurrency transactions—encompassing buying, selling, and holding—into existing applications through a comprehensive and user-friendly platform. Its services include legal setup, compliance support, and working capital, all designed to streamline the process of digital asset management. Additionally, H-Finance offers an easy-to-integrate API that helps institutions manage custody and liquidity while minimizing costs, ensuring they can adhere to regulatory requirements in the evolving landscape of digital asset trading.

H-Finance is a provider of infrastructure and compliance solutions tailored for financial institutions and fintech companies engaging with digital assets. The company specializes in facilitating the integration of cryptocurrency transactions—encompassing buying, selling, and holding—into existing applications through a comprehensive and user-friendly platform. Its services include legal setup, compliance support, and working capital, all designed to streamline the process of digital asset management. Additionally, H-Finance offers an easy-to-integrate API that helps institutions manage custody and liquidity while minimizing costs, ensuring they can adhere to regulatory requirements in the evolving landscape of digital asset trading.

PayQin Ltd., established in 2017 with headquarters in London, operates an e-wallet platform accessible via a mobile application. This app includes a virtual debit card for online payments, facilitating cross-border transactions for both individuals and businesses. The company aims to simplify international payments by offering low fees, real-time processing, and a user-friendly experience, allowing small and medium-sized enterprises (SMEs) to focus on growth rather than payment complexities. PayQin has additional locations in France and Sweden.

Kevin. is a fintech company that specializes in providing an advanced account-to-account payment infrastructure designed to replace traditional card transactions. By leveraging open banking, Kevin. develops its own direct connections to banks, eliminating the need for third-party aggregators. This unique approach enables businesses to transition from costly card payments to more affordable and secure transactions directly from customers' bank accounts. The platform offers fully customizable solutions that can scale to meet the needs of any business. By improving the overall customer experience and enhancing conversion rates, Kevin. not only streamlines payment processes but also reduces costs associated with payment acquiring services for merchants.

PayQin Ltd., established in 2017 with headquarters in London, operates an e-wallet platform accessible via a mobile application. This app includes a virtual debit card for online payments, facilitating cross-border transactions for both individuals and businesses. The company aims to simplify international payments by offering low fees, real-time processing, and a user-friendly experience, allowing small and medium-sized enterprises (SMEs) to focus on growth rather than payment complexities. PayQin has additional locations in France and Sweden.

Currencii is a FinTech company operating an online currency exchange platform licensed by the Central Bank of Armenia. The company aims to simplify complex financial terminology and make currency management accessible to small and medium-sized enterprises (SMEs). By leveraging technology, Currencii connects buyers directly with sellers of foreign currency, facilitating exchanges outside the traditional banking system. This approach enhances transparency and provides users with greater control over their transactions while reducing costs by eliminating the operational expenses typically associated with conventional consumer banking models.

PayTipTop is a provider of a standalone payment device designed to enhance the payment experience for consumers. The company's device facilitates seamless transactions using contactless bank cards, allowing users to make single-price payments effortlessly. This solution is particularly suited for predefined pricing scenarios such as charity donations, tips in hospitality settings, and payments for meals in restaurants. By focusing on making payments enjoyable and efficient, PayTipTop aims to promote a cashless environment where small cash payments and donations can be executed with ease.

JetBeep Inc. is a technology provider focused on developing innovative solutions for mobile payment systems, parcel locker automation, and customer engagement. Founded in 2018 and headquartered in Lewes, Delaware, the company offers a mobile payment wallet platform that serves banks and retailers. Additionally, JetBeep specializes in transforming traditional, cable-based parcel lockers into autonomous systems by integrating microcontrollers and software, making them smart and cost-efficient. With a network of over 4,950 operational devices, JetBeep serves more than 1.3 million consumers across various applications. The company collaborates with partners such as system integrators and metal manufacturers to deliver tailored projects and can either act as a technology provider for specific project components or manage entire processes, including vendor contracting. JetBeep's customer engagement system enhances personalized offers and promotions, enabling brands to engage with consumers contextually and effectively.

CoinyPay is a technology company that specializes in chatbot solutions designed for banks and payment service providers. Its primary focus is to simplify the bill payment process through messenger applications, allowing users to make payments with a single tap confirmation. CoinyPay's chatbot automates bill payments, facilitating both secure transactions and the electronic giving of tips. By streamlining these processes, CoinyPay enhances user convenience and reduces the time required for bill payments, making it easier for individuals and institutions to manage their financial obligations efficiently.

PayQin Ltd., established in 2017 with headquarters in London, operates an e-wallet platform accessible via a mobile application. This app includes a virtual debit card for online payments, facilitating cross-border transactions for both individuals and businesses. The company aims to simplify international payments by offering low fees, real-time processing, and a user-friendly experience, allowing small and medium-sized enterprises (SMEs) to focus on growth rather than payment complexities. PayQin has additional locations in France and Sweden.

Lovat is an online tax compliance software company that specializes in providing solutions for managing value-added tax and sales tax liabilities for e-commerce businesses. Utilizing advanced technology, Lovat enables users to easily track regulatory changes, generate systematized reports, and maintain auditable records. The platform offers a range of services, including tax registration, sales tax compliance, VAT management, and extended producer responsibility reporting. Lovat's user-friendly interface allows individuals and businesses to address their tax obligations efficiently and intuitively, making it suitable for a variety of sectors, including business-to-consumer, business-to-business, and software as a service. The company's focus on delivering exceptional solutions positions it as a key player in the evolving fintech market.

SmartBill is a banking API solution for banks and financial institutions. It enables access to the banking and financial data of customers via open banking regulations. Its product line also includes Consent Comes First for consent management, Identity Now for fraud detection and prevention, Affordability Checker for creditworthiness assessment, and Profile 360 for understanding consumer demands.

Welltrado is a global alternative investment marketplace that connects retail and institutional investors with peer-to-peer (P2P) lending and crowdfunding platforms. The company aims to simplify and enhance the investment process by providing a transparent environment where users can buy and sell loans from various providers worldwide. Welltrado enables investors to participate in P2P funds and manage their investment portfolios effectively, fostering accessibility to profitable interest rates. Through its innovative platform, Welltrado strives to make investing straightforward and rewarding for all participants.

Kuan Intelligence Ltd. is a financial technology company based in London, United Kingdom, with a presence in Hong Kong. Established in 2015, it specializes in providing peer-to-peer foreign exchange services tailored for businesses engaged in trade between Europe and Asia. Kuan Intelligence aims to offer a more cost-effective, efficient, and transparent solution for currency transfers, enabling clients to access real exchange rates while minimizing hidden banking fees. The company's services are designed to facilitate cross-border payments with lower fees and faster delivery times, ultimately enhancing the financial operations of businesses involved in international trade. The name "Kuan," which translates to both "money" and "sincere" in Chinese, reflects the company's commitment to delivering honest and straightforward financial solutions.

EstateGuru is a leading Pan-European marketplace that specializes in facilitating property-backed loans for small and medium-sized enterprises (SMEs) and offering investment opportunities to a global investor base. The company aims to create a digital and borderless ecosystem for real estate financing across Europe and beyond. By connecting various service providers, SMEs, and investors, EstateGuru provides a unique, seamless, and cross-border digital service that differentiates it from traditional financial institutions. The platform enhances investment returns for investors while expanding access to financing for borrowers, effectively bypassing conventional banking channels. Headquartered in Tallinn, Estonia, EstateGuru employs a diverse team of 117 professionals across multiple locations, including Berlin, Manchester, Helsinki, Yerevan, Riga, and Vilnius.

Brickflow is a development finance search engine based in the UK, designed to streamline the process of finding and accessing development finance opportunities. It focuses on providing users with a tailored experience, enabling them to discover relevant financial options efficiently. By aggregating various data sources, Brickflow simplifies the search for development finance, making it accessible to a wider audience. The platform's user-friendly interface facilitates a quick and effective exploration of financing options, helping users navigate the complexities of development finance with ease. With a commitment to enhancing the discovery process, Brickflow positions itself as a valuable resource for individuals and businesses seeking development finance solutions.