Startup Wise Guys

Monkee is a financial application that merges personal finance management with loyalty programs to help users save money for their priorities while shopping. Founded in Austria, Monkee's app encourages users to save by consciously purchasing the items they need, offering a more rewarding experience than traditional cashback programs. The application leverages behavioral design, gamification, and machine learning to promote financial wellness, allowing users to balance saving and spending sustainably. Additionally, Monkee aids retail partners in engaging consumers meaningfully based on their saving and purchasing habits, significantly enhancing sales conversion and customer retention. The company promotes the concept of "Save now Buy Later" as a responsible alternative to "Buy now Pay Later," aiming to redefine consumer spending habits in its initial markets of Germany and Austria.

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

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 operates a blockchain-based platform that connects investors with tokenized, real-world assets, specifically focusing on fixed-income products. It offers structured portfolios backed by liquid public and private credit assets, aiming to provide stable, secure returns and capital preservation. The platform caters to both traditional and decentralized finance investors, targeting double-digit returns while maintaining liquidity.

Epoint is a digital payment aggregator and e-commerce platform based in Azerbaijan, tailored for small and medium-sized enterprises. The platform enables businesses to accept bank card payments without incurring additional costs or requiring technical expertise. Epoint offers various features, including downloadable financial reports, transaction logs, a multilingual interface, and support for multiple payment methods such as QR codes and invoices. The company has gained recognition in the startup ecosystem, being a runner-up in the Takeoff international startup competition and a semi-finalist in the Astana Hub Battle. Furthermore, Epoint is the first fintech company from Azerbaijan to participate in the 500 Global program and has received a "Startup Certificate" from the Ministry of Economy, which grants it a three-year exemption from income tax. Through its collaboration with Visa and BDO, Epoint aims to enhance the digital payment landscape for businesses in the region.

Synapze specializes in providing the financial services industry with AI-driven solutions through its product, TinyAI. This platform can be deployed on-premises or in a private cloud, ensuring compliance with privacy regulations. TinyAI's models are designed to be lightweight, eliminating the need for GPUs during inference, which results in significant cost savings and speed improvements—up to ten times faster than many large language models. Synapze has successfully implemented TinyAI in various applications, including back office process automation, onboarding, and lending process automation, enabling financial institutions to reduce processing costs by up to 75%. The solution offers a scalable and explainable approach to document processing, addressing clients' automation challenges effectively while maintaining compliance with privacy standards.

Monkee is a financial application that merges personal finance management with loyalty programs to help users save money for their priorities while shopping. Founded in Austria, Monkee's app encourages users to save by consciously purchasing the items they need, offering a more rewarding experience than traditional cashback programs. The application leverages behavioral design, gamification, and machine learning to promote financial wellness, allowing users to balance saving and spending sustainably. Additionally, Monkee aids retail partners in engaging consumers meaningfully based on their saving and purchasing habits, significantly enhancing sales conversion and customer retention. The company promotes the concept of "Save now Buy Later" as a responsible alternative to "Buy now Pay Later," aiming to redefine consumer spending habits in its initial markets of Germany and Austria.

Monkee is a financial application that merges personal finance management with loyalty programs to help users save money for their priorities while shopping. Founded in Austria, Monkee's app encourages users to save by consciously purchasing the items they need, offering a more rewarding experience than traditional cashback programs. The application leverages behavioral design, gamification, and machine learning to promote financial wellness, allowing users to balance saving and spending sustainably. Additionally, Monkee aids retail partners in engaging consumers meaningfully based on their saving and purchasing habits, significantly enhancing sales conversion and customer retention. The company promotes the concept of "Save now Buy Later" as a responsible alternative to "Buy now Pay Later," aiming to redefine consumer spending habits in its initial markets of Germany and Austria.

CREX Capital is a financial services company based in Berlin that specializes in commercial real estate financing. Founded in 2022 by Marc Wohlschlaeger, Maciej Jakub Merkel, and Michael Wetzel, the company offers a technology platform designed to streamline financing transactions through a fully regulatory-compliant process. Utilizing artificial intelligence and blockchain algorithms, CREX Capital's platform enhances the lending procedure by combining automated analysis with self-learning systems. This innovative approach aims to provide clients with a faster, more secure, and comprehensive financing experience, ultimately revolutionizing the way commercial real estate financing is conducted.

Epoint is a digital payment aggregator and e-commerce platform based in Azerbaijan, tailored for small and medium-sized enterprises. The platform enables businesses to accept bank card payments without incurring additional costs or requiring technical expertise. Epoint offers various features, including downloadable financial reports, transaction logs, a multilingual interface, and support for multiple payment methods such as QR codes and invoices. The company has gained recognition in the startup ecosystem, being a runner-up in the Takeoff international startup competition and a semi-finalist in the Astana Hub Battle. Furthermore, Epoint is the first fintech company from Azerbaijan to participate in the 500 Global program and has received a "Startup Certificate" from the Ministry of Economy, which grants it a three-year exemption from income tax. Through its collaboration with Visa and BDO, Epoint aims to enhance the digital payment landscape for businesses in the region.

FXKudi is a fintech platform addressing the challenges of cross-border money transfers in Africa. It enables instant and reliable money transfers between African countries without any fees, utilizing a mobile app and a distributed agent network that employs unstructured supplementary service data (USSD). The platform allows users to send, receive, and exchange money easily, facilitating borderless payments for individuals wishing to support family and friends overseas. By simplifying the money transfer process, FXKudi aims to enhance financial accessibility across the continent.

Texelio is a developer of a B2B wealth tech platform that addresses challenges in financial media by providing API solutions tailored for retail investor trading platforms. The company's offerings integrate natural language understanding and visual analytics to enhance the stock market news experience. By transforming cluttered information into meaningful stories and actionable insights, Texelio helps its clients improve user retention, customer profitability, and overall assets under management. Through these advancements, investors gain better insights, fostering loyalty and increasing commission income for trading platforms.

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.

Heavnn specializes in developing in-house tax technology that addresses global tax challenges faced by digital nomads and remote-first businesses. The company assists clients in anticipating the implications of international travel, allowing them to offer tailored tax plans as a benefit to their workforce. Heavnn also manages the associated paperwork, helping to mitigate corporate risks related to remote teams. By providing these services, Heavnn enables businesses to navigate the complexities of international taxation effectively.

TeklifimGelsin operates as a personalized financial platform designed to connect users with various financial institutions, allowing them to compare offers based on individual needs. The platform provides a range of complimentary services, including information on loans, investment products, credit reports, and insurance. Users can complete applications in under 40 seconds, thanks to the platform's digital integrations with banks, credit reference agencies, and insurance companies. By continuously developing its framework, TeklifimGelsin aims to address common challenges in users' financial journeys and enhance overall financial 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 financial and property technology company focused on promoting sustainable credit in Africa and facilitating affordable housing acquisition for wealth creation. The company's platform connects property creators with potential buyers and financial lenders, enabling property owners and investors to reduce investment risks and generate passive income. By fostering these connections, Naivera aims to enhance access to affordable housing and support the development of wealth-building opportunities within the community.

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.

iFactor is a technology company focused on addressing the financing challenges faced by small and medium-sized enterprises (SMEs) through innovative solutions. It has developed proprietary AI and machine learning technology that enhances credit risk assessments by utilizing a variety of alternative data sources, including KYC and AML processes validated by banks. This approach improves cost efficiency for lenders and reduces fraud and default risks, while also expediting the lending process through automation. Additionally, iFactor operates a hybrid marketplace that connects SMEs with various lenders—such as banks and private equity firms—allowing them to bid on loan applications based on credit scores. This marketplace enhances capital allocation by aligning lender risk appetites with suitable SME financing opportunities. Furthermore, iFactor's services include an invoice trading platform that enables SMEs to sell invoices for immediate cash, providing them with flexible liquidity and allowing investors to access secure, high-yield investment opportunities.

Monkee is a financial application that merges personal finance management with loyalty programs to help users save money for their priorities while shopping. Founded in Austria, Monkee's app encourages users to save by consciously purchasing the items they need, offering a more rewarding experience than traditional cashback programs. The application leverages behavioral design, gamification, and machine learning to promote financial wellness, allowing users to balance saving and spending sustainably. Additionally, Monkee aids retail partners in engaging consumers meaningfully based on their saving and purchasing habits, significantly enhancing sales conversion and customer retention. The company promotes the concept of "Save now Buy Later" as a responsible alternative to "Buy now Pay Later," aiming to redefine consumer spending habits in its initial markets of Germany and Austria.

PayQin Ltd. operates an e-wallet platform that simplifies cross-border payments for individuals and small to medium-sized enterprises. Established in 2017 and headquartered in London, the company also has locations in France and Sweden. Its mobile application features a built-in virtual debit card, allowing users to make online payments with low fees and real-time processing. By streamlining the payment process, PayQin enables businesses to concentrate on growth rather than the complexities associated with international transactions.

Sweephy is a platform focused on AI-driven regulatory compliance monitoring services, catering to diverse sectors including FinTechs, small banks, and stock traders. It continuously scans for regulatory changes across Europe, Turkey, and the UK, providing organizations with instant notifications to help them remain compliant and reduce risks associated with non-compliance. Sweephy's offerings include regulation monitoring for 27 EU countries, compliance monitoring, credit risk scoring, and financial regulation analytics to support mid- to long-term decision-making. The platform integrates directly with regulatory data sources to streamline compliance management, delivering real-time updates and custom alerts. Additionally, Sweephy offers an API for seamless integration with internal systems, which enhances operational efficiency. The company also provides specialized development services to help organizations align their operations with complex regulatory requirements, delivering tailored solutions that improve compliance and operational effectiveness.

HeavyFinance operates a crowdlending platform that connects farmers with retail and institutional investors, facilitating access to financing for agricultural needs. The platform enables farmers to secure mortgage loans backed by assets such as heavy machinery in the farming, forestry, and infrastructure sectors. It offers various benefits for both parties, including flexible repayment options and the opportunity for farmers to repay loans early without fees. Investors are presented with investment-backed assets and can expect double-digit returns, supported by risk reports, statistics, and project summaries that ensure transparency. By underwriting farmers and servicing loans, HeavyFinance creates a streamlined process for raising capital and investing in agricultural projects.

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 platform addressing the challenges of cross-border money transfers in Africa. It enables instant and reliable money transfers between African countries without any fees, utilizing a mobile app and a distributed agent network that employs unstructured supplementary service data (USSD). The platform allows users to send, receive, and exchange money easily, facilitating borderless payments for individuals wishing to support family and friends overseas. By simplifying the money transfer process, FXKudi aims to enhance financial accessibility across the continent.

Planet42 is a company focused on improving access to personal vehicles for individuals overlooked by traditional banks. By utilizing technology to assess risk, Planet42 purchases second-hand cars from a network of motor dealers and offers them to customers through a subscription service. This model allows customers to rent vehicles without needing to meet in person or view the car beforehand. The company analyzes essential validation documents, including identity proofs, payslips, and bank statements, to ensure a smooth transaction process. Through its rent-to-buy automotive services, Planet42 provides an affordable path to vehicle ownership, promoting financial inclusion and mobility for a broader audience.

Ondato is a technology company focused on enhancing KYC (Know Your Customer) and AML (Anti-Money Laundering) processes. It offers advanced solutions for digital identity verification, business customer onboarding, data validation, and fraud detection. By utilizing artificial intelligence and machine learning, Ondato's tools are designed to help banks and fintech companies maintain compliance with regulatory requirements. The services are tailored to meet the needs of various sectors, including banking, blockchain, and online trading, allowing organizations to streamline their compliance efforts while ensuring data protection and privacy. Ondato aims to transform compliance into a strategic advantage, fostering a safer environment for both businesses and individuals.

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 operates a B2B2C business model that enables companies across various sectors, including insurance, finance, and energy, to become mobility distributors. By providing a white-label platform, iDEAL Rent allows these companies to offer car-as-a-service to their customer bases. The company launched in Italy and has successfully onboarded over 100 B2B clients, with plans to expand its asset-light electric vehicle subscription services throughout Europe. iDEAL Rent's proprietary software platform aggregates car subscription offers and includes a virtual sales tutor that assists sales representatives throughout the sales process, managing administrative tasks and allowing clients to focus on customer engagement. This innovative approach positions iDEAL Rent to capitalize on the evolving landscape of mobility distribution.

Kernolab is a fintech company that specializes in providing a platform for businesses to integrate various financial services into their products. This includes features such as accounts, payments, cards, loans, and insurance, all designed to be adaptable, intuitive, and secure. By embedding these financial solutions, Kernolab enables companies to enhance end-user retention and drive revenue growth. The platform aims to simplify the user experience, making it effortless for businesses to offer comprehensive financial products that meet their customers' needs.

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. operates an e-wallet platform that simplifies cross-border payments for individuals and small to medium-sized enterprises. Established in 2017 and headquartered in London, the company also has locations in France and Sweden. Its mobile application features a built-in virtual debit card, allowing users to make online payments with low fees and real-time processing. By streamlining the payment process, PayQin enables businesses to concentrate on growth rather than the complexities associated with international transactions.

HeavyFinance operates a crowdlending platform that connects farmers with retail and institutional investors, facilitating access to financing for agricultural needs. The platform enables farmers to secure mortgage loans backed by assets such as heavy machinery in the farming, forestry, and infrastructure sectors. It offers various benefits for both parties, including flexible repayment options and the opportunity for farmers to repay loans early without fees. Investors are presented with investment-backed assets and can expect double-digit returns, supported by risk reports, statistics, and project summaries that ensure transparency. By underwriting farmers and servicing loans, HeavyFinance creates a streamlined process for raising capital and investing in agricultural projects.

HeavyFinance operates a crowdlending platform that connects farmers with retail and institutional investors, facilitating access to financing for agricultural needs. The platform enables farmers to secure mortgage loans backed by assets such as heavy machinery in the farming, forestry, and infrastructure sectors. It offers various benefits for both parties, including flexible repayment options and the opportunity for farmers to repay loans early without fees. Investors are presented with investment-backed assets and can expect double-digit returns, supported by risk reports, statistics, and project summaries that ensure transparency. By underwriting farmers and servicing loans, HeavyFinance creates a streamlined process for raising capital and investing in agricultural projects.

Kevin. is a fintech company that specializes in an advanced account-to-account payment infrastructure aimed at replacing traditional card transactions. By leveraging open banking, the firm develops its own direct connections to banks, eliminating the reliance on third-party aggregators. This approach allows businesses to transition from costly card payments to more affordable transactions directly linked to customers' bank accounts. Kevin. offers fully customizable solutions that cater to businesses of any size, enhancing the customer experience and improving conversion rates while reducing payment acquisition costs for merchants. The company focuses on mobile and Point of Sale (POS) payments, providing a secure and efficient alternative for online transactions.

InRento is the first licensed buy-to-let investment platform in the European Union, enabling investors to earn rental income and capital gains starting from €500. The platform specializes in real estate crowdfunding, allowing investors to participate in a diverse range of rental properties primarily in the Lithuanian and Spanish markets. InRento differentiates itself by providing a secondary market where investors can sell their investments before the maturity date, offering flexibility and liquidity. Additionally, the platform allows for investments in properties that can be used as Airbnb rentals, giving investors the option to benefit financially and enjoy time-share rights. InRento's approach simplifies property ownership by relieving investors of the responsibilities associated with day-to-day property management while promoting portfolio diversification.

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.

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 application that merges personal finance management with loyalty programs to help users save money for their priorities while shopping. Founded in Austria, Monkee's app encourages users to save by consciously purchasing the items they need, offering a more rewarding experience than traditional cashback programs. The application leverages behavioral design, gamification, and machine learning to promote financial wellness, allowing users to balance saving and spending sustainably. Additionally, Monkee aids retail partners in engaging consumers meaningfully based on their saving and purchasing habits, significantly enhancing sales conversion and customer retention. The company promotes the concept of "Save now Buy Later" as a responsible alternative to "Buy now Pay Later," aiming to redefine consumer spending habits in its initial markets of Germany and Austria.

Kernolab is a fintech company that specializes in providing a platform for businesses to integrate various financial services into their products. This includes features such as accounts, payments, cards, loans, and insurance, all designed to be adaptable, intuitive, and secure. By embedding these financial solutions, Kernolab enables companies to enhance end-user retention and drive revenue growth. The platform aims to simplify the user experience, making it effortless for businesses to offer comprehensive financial products that meet their customers' needs.

Ondato is a technology company focused on enhancing KYC (Know Your Customer) and AML (Anti-Money Laundering) processes. It offers advanced solutions for digital identity verification, business customer onboarding, data validation, and fraud detection. By utilizing artificial intelligence and machine learning, Ondato's tools are designed to help banks and fintech companies maintain compliance with regulatory requirements. The services are tailored to meet the needs of various sectors, including banking, blockchain, and online trading, allowing organizations to streamline their compliance efforts while ensuring data protection and privacy. Ondato aims to transform compliance into a strategic advantage, fostering a safer environment for both businesses and individuals.

Nobe is a fintech company based in Estonia that aims to simplify the tax declaration process for autonomous owners, solopreneurs, and individuals by integrating e-invoices, accounting, tax registration, and banking into a single platform. By reducing bureaucratic hurdles, Nobe seeks to democratize access to welfare resources, allowing users to transform their tax contributions into new capital. This approach helps clients save time and money in various applications, such as housing, healthcare, transport, and funding. Additionally, Nobe provides a digital ID wallet that facilitates secure user authentication, enabling clients to manage their information efficiently and operate their businesses with less governmental interference. The company's mission is to eliminate bureaucracy, with its initial efforts launched in Mexico.

IPOhub is a pan-European investment platform that connects investors with small and medium-sized enterprises (SMEs) seeking to grow through share issues and initial public offerings (IPOs). The platform aims to simplify and democratize the investment process, making it accessible to a broader audience regardless of their location. IPOhub provides a comprehensive online resource that details upcoming and current IPOs, allowing clients to search, research, and subscribe to various investment opportunities from companies listed on growth markets across Europe. By focusing on SME investment, IPOhub seeks to support economic development and create a fair and transparent marketplace for both investors and businesses.

HeavyFinance operates a crowdlending platform that connects farmers with retail and institutional investors, facilitating access to financing for agricultural needs. The platform enables farmers to secure mortgage loans backed by assets such as heavy machinery in the farming, forestry, and infrastructure sectors. It offers various benefits for both parties, including flexible repayment options and the opportunity for farmers to repay loans early without fees. Investors are presented with investment-backed assets and can expect double-digit returns, supported by risk reports, statistics, and project summaries that ensure transparency. By underwriting farmers and servicing loans, HeavyFinance creates a streamlined process for raising capital and investing in agricultural projects.

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.

EvoEstate is a real estate crowdfunding aggregator that allows investors to access various European real estate crowdfunding platforms through a single account. The platform simplifies the investment process by offering opportunities in buy-to-let properties, fixed-interest loans, and equity investments. By consolidating multiple investment options, EvoEstate enables both small and large investors to diversify their real estate portfolios while aiming for minimal risk and optimal returns.

Kevin. is a fintech company that specializes in an advanced account-to-account payment infrastructure aimed at replacing traditional card transactions. By leveraging open banking, the firm develops its own direct connections to banks, eliminating the reliance on third-party aggregators. This approach allows businesses to transition from costly card payments to more affordable transactions directly linked to customers' bank accounts. Kevin. offers fully customizable solutions that cater to businesses of any size, enhancing the customer experience and improving conversion rates while reducing payment acquisition costs for merchants. The company focuses on mobile and Point of Sale (POS) payments, providing a secure and efficient alternative for online transactions.

Planet42 is a company focused on improving access to personal vehicles for individuals overlooked by traditional banks. By utilizing technology to assess risk, Planet42 purchases second-hand cars from a network of motor dealers and offers them to customers through a subscription service. This model allows customers to rent vehicles without needing to meet in person or view the car beforehand. The company analyzes essential validation documents, including identity proofs, payslips, and bank statements, to ensure a smooth transaction process. Through its rent-to-buy automotive services, Planet42 provides an affordable path to vehicle ownership, promoting financial inclusion and mobility for a broader audience.

Ondato is a technology company focused on enhancing KYC (Know Your Customer) and AML (Anti-Money Laundering) processes. It offers advanced solutions for digital identity verification, business customer onboarding, data validation, and fraud detection. By utilizing artificial intelligence and machine learning, Ondato's tools are designed to help banks and fintech companies maintain compliance with regulatory requirements. The services are tailored to meet the needs of various sectors, including banking, blockchain, and online trading, allowing organizations to streamline their compliance efforts while ensuring data protection and privacy. Ondato aims to transform compliance into a strategic advantage, fostering a safer environment for both businesses and individuals.

Moduulo is an integrated B2B2B platform designed to enhance the efficiency of accountants and their clients. By providing a self-learning process automation solution, the platform enables accounting firms to streamline workflows, manage deadlines, and access valuable data insights, significantly reducing the time spent on traditional bookkeeping tasks. Clients receive their ERP system directly from their accountants, facilitating optimized processes in bookkeeping, communication, and overall workflow management. By leveraging machine learning for automatic bookkeeping, Moduulo helps organizations optimize their business processes through smart invoicing, factoring, and essential ERP tools, allowing them to operate more effectively while saving both time and money.

Kevin. is a fintech company that specializes in an advanced account-to-account payment infrastructure aimed at replacing traditional card transactions. By leveraging open banking, the firm develops its own direct connections to banks, eliminating the reliance on third-party aggregators. This approach allows businesses to transition from costly card payments to more affordable transactions directly linked to customers' bank accounts. Kevin. offers fully customizable solutions that cater to businesses of any size, enhancing the customer experience and improving conversion rates while reducing payment acquisition costs for merchants. The company focuses on mobile and Point of Sale (POS) payments, providing a secure and efficient alternative for online transactions.

Ondato is a technology company focused on enhancing KYC (Know Your Customer) and AML (Anti-Money Laundering) processes. It offers advanced solutions for digital identity verification, business customer onboarding, data validation, and fraud detection. By utilizing artificial intelligence and machine learning, Ondato's tools are designed to help banks and fintech companies maintain compliance with regulatory requirements. The services are tailored to meet the needs of various sectors, including banking, blockchain, and online trading, allowing organizations to streamline their compliance efforts while ensuring data protection and privacy. Ondato aims to transform compliance into a strategic advantage, fostering a safer environment for both businesses and individuals.

Kevin. is a fintech company that specializes in an advanced account-to-account payment infrastructure aimed at replacing traditional card transactions. By leveraging open banking, the firm develops its own direct connections to banks, eliminating the reliance on third-party aggregators. This approach allows businesses to transition from costly card payments to more affordable transactions directly linked to customers' bank accounts. Kevin. offers fully customizable solutions that cater to businesses of any size, enhancing the customer experience and improving conversion rates while reducing payment acquisition costs for merchants. The company focuses on mobile and Point of Sale (POS) payments, providing a secure and efficient alternative for online transactions.

EvoEstate is a real estate crowdfunding aggregator that allows investors to access various European real estate crowdfunding platforms through a single account. The platform simplifies the investment process by offering opportunities in buy-to-let properties, fixed-interest loans, and equity investments. By consolidating multiple investment options, EvoEstate enables both small and large investors to diversify their real estate portfolios while aiming for minimal risk and optimal returns.

Planet42 is a company focused on improving access to personal vehicles for individuals overlooked by traditional banks. By utilizing technology to assess risk, Planet42 purchases second-hand cars from a network of motor dealers and offers them to customers through a subscription service. This model allows customers to rent vehicles without needing to meet in person or view the car beforehand. The company analyzes essential validation documents, including identity proofs, payslips, and bank statements, to ensure a smooth transaction process. Through its rent-to-buy automotive services, Planet42 provides an affordable path to vehicle ownership, promoting financial inclusion and mobility for a broader audience.

Ondato is a technology company focused on enhancing KYC (Know Your Customer) and AML (Anti-Money Laundering) processes. It offers advanced solutions for digital identity verification, business customer onboarding, data validation, and fraud detection. By utilizing artificial intelligence and machine learning, Ondato's tools are designed to help banks and fintech companies maintain compliance with regulatory requirements. The services are tailored to meet the needs of various sectors, including banking, blockchain, and online trading, allowing organizations to streamline their compliance efforts while ensuring data protection and privacy. Ondato aims to transform compliance into a strategic advantage, fostering a safer environment for both businesses and individuals.

TradersAlloy is a developer of enterprise software designed to assist individual investors in managing their stock portfolios with greater professionalism. The company leverages data from various economic sources to provide users with fundamental information, company reports, and insights into insider trading. Its intuitive, gamified web application enables investors to build investment theses, document their processes, and gain a comprehensive understanding of global markets and specific industries. By offering these tools and resources, TradersAlloy empowers users to make informed, data-driven investment decisions.

H-Finance provides essential infrastructure and compliance solutions that facilitate financial institutions and fintech companies in engaging with digital assets. Their platform allows these organizations to seamlessly integrate features for the buying, selling, and holding of cryptocurrencies into their applications. H-Finance offers a comprehensive turnkey solution that encompasses legal setup, compliance requirements, and access to working capital, all supported by an easy-to-integrate API. This enables clients to manage custody and liquidity of digital assets while maintaining compliance with regulatory standards, ultimately helping to minimize operational expenses in the rapidly evolving landscape of digital asset trading.

H-Finance provides essential infrastructure and compliance solutions that facilitate financial institutions and fintech companies in engaging with digital assets. Their platform allows these organizations to seamlessly integrate features for the buying, selling, and holding of cryptocurrencies into their applications. H-Finance offers a comprehensive turnkey solution that encompasses legal setup, compliance requirements, and access to working capital, all supported by an easy-to-integrate API. This enables clients to manage custody and liquidity of digital assets while maintaining compliance with regulatory standards, ultimately helping to minimize operational expenses in the rapidly evolving landscape of digital asset trading.

PayQin Ltd. operates an e-wallet platform that simplifies cross-border payments for individuals and small to medium-sized enterprises. Established in 2017 and headquartered in London, the company also has locations in France and Sweden. Its mobile application features a built-in virtual debit card, allowing users to make online payments with low fees and real-time processing. By streamlining the payment process, PayQin enables businesses to concentrate on growth rather than the complexities associated with international transactions.

Kevin. is a fintech company that specializes in an advanced account-to-account payment infrastructure aimed at replacing traditional card transactions. By leveraging open banking, the firm develops its own direct connections to banks, eliminating the reliance on third-party aggregators. This approach allows businesses to transition from costly card payments to more affordable transactions directly linked to customers' bank accounts. Kevin. offers fully customizable solutions that cater to businesses of any size, enhancing the customer experience and improving conversion rates while reducing payment acquisition costs for merchants. The company focuses on mobile and Point of Sale (POS) payments, providing a secure and efficient alternative for online transactions.

TradersAlloy is a developer of enterprise software designed to assist individual investors in managing their stock portfolios with greater professionalism. The company leverages data from various economic sources to provide users with fundamental information, company reports, and insights into insider trading. Its intuitive, gamified web application enables investors to build investment theses, document their processes, and gain a comprehensive understanding of global markets and specific industries. By offering these tools and resources, TradersAlloy empowers users to make informed, data-driven investment decisions.

PayQin Ltd. operates an e-wallet platform that simplifies cross-border payments for individuals and small to medium-sized enterprises. Established in 2017 and headquartered in London, the company also has locations in France and Sweden. Its mobile application features a built-in virtual debit card, allowing users to make online payments with low fees and real-time processing. By streamlining the payment process, PayQin enables businesses to concentrate on growth rather than the complexities associated with international transactions.

Currencii is an online currency exchange platform that operates under a license from the Central Bank of Armenia. It aims to simplify currency management for small and medium enterprises (SMEs) by leveraging technology to demystify complex financial terms. The platform connects buyers directly with sellers of foreign currency, allowing for a more transparent transaction process. By facilitating exchanges outside the traditional banking system, Currencii empowers users with greater control over their finances and helps reduce costs by eliminating the operational expenses typically associated with conventional banking models.

Lovat is an online tax compliance software platform that specializes in managing tax liabilities for e-commerce businesses. The company offers a range of services, including tax registration, sales tax compliance, VAT management, and EPR reporting. Utilizing advanced technology, Lovat provides users with intuitive tools that facilitate regulatory change tracking, systematized reporting, and secure record keeping. Its solutions cater to various sectors, focusing on both business-to-consumer and business-to-business markets, as well as the software-as-a-service space. Lovat aims to simplify the complexities of tax management, allowing users to efficiently handle their sales tax and VAT obligations online in a matter of minutes.

PayTipTop is a provider of a standalone payment device that enhances the payment experience by enabling seamless single-price transactions. Designed for use with contactless bank cards, the device automates payment actions, allowing customers to make small cash payments or donations effortlessly. It is particularly suited for predefined pricing scenarios, such as charity contributions, tips in hospitality settings, and payments in restaurants. By focusing on making payments enjoyable and efficient, PayTipTop aims to facilitate a cashless environment for users.

CoinyPay is a technology company that specializes in chatbot solutions designed for banks and payment service providers. Its services aim to simplify bill payment processes through messenger applications by allowing users to make payments with a single tap confirmation. The company's chatbot not only automates bill payments but also facilitates electronic tipping and ensures secure transactions. By streamlining these processes, CoinyPay enables users to pay their bills more efficiently and with greater convenience.

PayQin Ltd. operates an e-wallet platform that simplifies cross-border payments for individuals and small to medium-sized enterprises. Established in 2017 and headquartered in London, the company also has locations in France and Sweden. Its mobile application features a built-in virtual debit card, allowing users to make online payments with low fees and real-time processing. By streamlining the payment process, PayQin enables businesses to concentrate on growth rather than the complexities associated with international transactions.

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.

Kuan Intelligence Ltd. is a financial technology company based in London, with a presence in Hong Kong, that specializes in peer-to-peer foreign exchange services for businesses. Established in 2015, Kuan Intelligence aims to provide cost-effective, efficient, and transparent foreign exchange and payment solutions for companies engaged in trade between Europe and Asia. By leveraging real exchange rates and minimizing fees, the company helps businesses eliminate hidden banking charges associated with traditional currency transfers, ensuring faster delivery times. The name "Kuan" reflects both the concept of money and sincerity, highlighting the company's commitment to providing honest and straightforward financial services.

Estateguru is a leading Pan-European marketplace that facilitates property-backed loans for small and medium-sized enterprises (SMEs) while providing investment opportunities for a global investor base. The platform creates a digital and borderless ecosystem for real estate financing, connecting various service providers, SMEs, and investors in a single marketplace. By doing so, it offers a unique service that bypasses traditional banks and financial institutions, allowing for seamless cross-border transactions. Estateguru enhances returns for investors and expands borrowing options for businesses by managing short-term asset-backed property finance. With a team of 117 professionals from 21 nationalities, the company operates from locations including Berlin, Manchester, Helsinki, Yerevan, Tallinn, Riga, and Vilnius.

Brickflow is a UK-based platform that serves as the first development finance search engine, catering specifically to the needs of property developers and investors. The platform aggregates and analyzes data to connect users with relevant financial products and services, streamlining the process of obtaining development finance. By providing a user-friendly interface, Brickflow facilitates efficient searches, enabling users to quickly find suitable financing options for their projects. The service aims to simplify the often complex landscape of development finance, making it accessible for both seasoned developers and newcomers in the industry.