Tera Ventures

A vertical FinTech solution focused on logistics.

Montonio Finance OÜ, founded in 2018 and based in Tallinn, Estonia, operates as a point-of-sale financing aggregator that leverages open banking to enhance credit efficiency and transparency. The company's platform simplifies the application process for hire purchase both online and in physical stores, helping merchants reduce lost sales and save time on service. Montonio's software integrates various payment methods and offers tools for refunds and shipping, allowing online merchants to streamline their operations and increase revenue through a unified dashboard. By focusing on creating a seamless experience for both merchants and customers, Montonio aims to improve the overall efficiency of credit intermediation services.

Secfense provides a cybersecurity platform that enhances user access security by acting as an intermediary layer between users and applications. The platform analyzes authentication traffic patterns, allowing organizations to implement multi-factor authentication (MFA) efficiently across various systems without altering the existing application code. This capability significantly simplifies the integration of any available authentication method, making the process faster and less disruptive, even for organizations with numerous applications. By managing the traffic flow, Secfense enables users to seamlessly authenticate using their chosen MFA method specific to each application. This approach not only streamlines security implementations but also facilitates easy transitions between different authentication standards, ensuring robust protection against unauthorized access while maintaining operational efficiency.

Montonio Finance OÜ, founded in 2018 and based in Tallinn, Estonia, operates as a point-of-sale financing aggregator that leverages open banking to enhance credit efficiency and transparency. The company's platform simplifies the application process for hire purchase both online and in physical stores, helping merchants reduce lost sales and save time on service. Montonio's software integrates various payment methods and offers tools for refunds and shipping, allowing online merchants to streamline their operations and increase revenue through a unified dashboard. By focusing on creating a seamless experience for both merchants and customers, Montonio aims to improve the overall efficiency of credit intermediation services.

10Lines is developing autonomous parking lot marking robots and technological solutions to significantly increase productivity in the industry of pavement marking. Our solutions are helping striping businesses do their work much more productively with a smaller environmental footprint.

Scoro Software Limited develops business management software. Its solutions include project management, work scheduling and tracking, financial management, customer relation management and quoting, reporting and dashboard, customization, mobile application, and integrations. The company was founded in 2013 and is based in London, United Kingdom.

Rendin OÜ is a long-term rental platform based in Tallinn, Estonia, established in 2019. It provides a mobile application that facilitates interactions among landlords, tenants, and agents. The platform offers various services designed to streamline the renting process, including tenant background checks, legal cover and advice, guaranteed rent payments, and rent payment protection. Rendin also eliminates the need for security deposits and provides damage protection, along with complimentary legal advice. By focusing on these innovative solutions, Rendin aims to enhance the renting experience for all parties involved.

Developer of a construction progress reporting platform intended to provide autonomous progress tracking and real-time identification of red flags. The company processes inputs from construction projects generates payment approvals based on accurately measured progress and delivers analysis and reports, enabling construction businesses to enhance trust and productivity through a mix of AI GIS, and CAD.

Botguard OÜ specializes in cloud-based website protection software that safeguards websites from malicious bots, crawlers, scrapers, and hacker attacks. Established in 2019 and headquartered in Tallinn, Estonia, with an additional office in Haifa, Israel, the company offers a platform that analyzes visitor behavior and creates digital fingerprints, storing the results in a database. This technology allows Botguard to block harmful bot traffic in real-time while ensuring that legitimate users, search engines, and affiliate bots have unrestricted access to the website. By doing so, Botguard enables its clients to protect their businesses from threats such as hackers, spammers, content theft, and competitive scraping.

Transformative AI Limited provides patent-pending algorithm to predict the onset of sudden cardiac arrest, allowing for advance warning, and preparation for intervention. The company was incorporated in 2016 and is based in London, United Kingdom.

Snackable AI is a company based in Estonia that specializes in transforming audio content formats, such as podcasts, through artificial intelligence. It provides services to content owners and distributors by offering a web-based portal and an application-programming interface (API) that allows users to efficiently search and access their audio libraries. By adding structure and metadata to spoken word content, Snackable AI helps users convert lengthy audio into easily shareable and searchable segments. This innovation addresses the growing demand for accessible audio content, as the popularity of spoken word media continues to rise. Content creators, marketers, and social teams face challenges in delivering engaging content to busy audiences, and Snackable AI provides solutions to streamline this process.

Brainbase Inc. develops and markets a platform for licensing business. It offers Brainbase Assist, a tool that enables users to manage and collaborate on their licensing business. The company’s tool also allows users to track metrics, such as total sales and royalties, rights availability, and upcoming events. In addition, its tool helps users to compare licensee performance, and measure quarterly and annual growth rates. Brainbase Inc. was founded in 2016 and is based in Los Angeles, California.

Scoro Software Limited develops business management software. Its solutions include project management, work scheduling and tracking, financial management, customer relation management and quoting, reporting and dashboard, customization, mobile application, and integrations. The company was founded in 2013 and is based in London, United Kingdom.

Monese Ltd. is a digital banking alternative based in London, United Kingdom, that provides mobile-only, multi-currency accounts across 31 countries in the European Economic Area. Founded in 2015 by Norris Koppel, the platform caters to individuals and businesses who face challenges with traditional banking, offering a fully localized banking experience in 14 languages. Monese allows users to manage their finances through a mobile application that facilitates quick account opening without credit checks or residency restrictions. Its services include current accounts for money storage and payments, local and international transfers, and debit cards for purchases and cash withdrawals. The company's innovative "Know Your Customer" technology enables real-time identity verification, allowing users to set up accounts in just minutes.

Monese Ltd. is a digital banking alternative based in London, United Kingdom, that provides mobile-only, multi-currency accounts across 31 countries in the European Economic Area. Founded in 2015 by Norris Koppel, the platform caters to individuals and businesses who face challenges with traditional banking, offering a fully localized banking experience in 14 languages. Monese allows users to manage their finances through a mobile application that facilitates quick account opening without credit checks or residency restrictions. Its services include current accounts for money storage and payments, local and international transfers, and debit cards for purchases and cash withdrawals. The company's innovative "Know Your Customer" technology enables real-time identity verification, allowing users to set up accounts in just minutes.

Jobbatical OÜ is an Estonian company founded in 2014 that provides an online platform for connecting professionals, such as developers, graphic designers, and marketers, with employers offering short-term employment opportunities. The service enables individuals seeking a combined work and travel experience to find temporary positions while helping employers fill short-term vacancies. Jobbatical also offers immigration and settlement services, streamlining the onboarding process for companies hiring international talent. By facilitating these connections, Jobbatical simplifies the complexities of short-term contracts and global mobility for both job seekers and employers.

Thinnect, Inc. develops wireless mesh networking technology for Internet of things (IoT) segments, such as commercial lighting and street lighting. Its solutions include commercial lighting solution that enables a lighting company to enhance their light emitting diode (LED) lighting products with intelligent control and unlocking additional savings; and street lighting solution that enable to install street lights using networking technology. The company was founded in 2015 and is based in Sunnyvale, California.

Monese Ltd. is a digital banking alternative based in London, United Kingdom, that provides mobile-only, multi-currency accounts across 31 countries in the European Economic Area. Founded in 2015 by Norris Koppel, the platform caters to individuals and businesses who face challenges with traditional banking, offering a fully localized banking experience in 14 languages. Monese allows users to manage their finances through a mobile application that facilitates quick account opening without credit checks or residency restrictions. Its services include current accounts for money storage and payments, local and international transfers, and debit cards for purchases and cash withdrawals. The company's innovative "Know Your Customer" technology enables real-time identity verification, allowing users to set up accounts in just minutes.

Monese Ltd. is a digital banking alternative based in London, United Kingdom, that provides mobile-only, multi-currency accounts across 31 countries in the European Economic Area. Founded in 2015 by Norris Koppel, the platform caters to individuals and businesses who face challenges with traditional banking, offering a fully localized banking experience in 14 languages. Monese allows users to manage their finances through a mobile application that facilitates quick account opening without credit checks or residency restrictions. Its services include current accounts for money storage and payments, local and international transfers, and debit cards for purchases and cash withdrawals. The company's innovative "Know Your Customer" technology enables real-time identity verification, allowing users to set up accounts in just minutes.

Scoro Software Limited develops business management software. Its solutions include project management, work scheduling and tracking, financial management, customer relation management and quoting, reporting and dashboard, customization, mobile application, and integrations. The company was founded in 2013 and is based in London, United Kingdom.

Jobbatical OÜ is an Estonian company founded in 2014 that provides an online platform for connecting professionals, such as developers, graphic designers, and marketers, with employers offering short-term employment opportunities. The service enables individuals seeking a combined work and travel experience to find temporary positions while helping employers fill short-term vacancies. Jobbatical also offers immigration and settlement services, streamlining the onboarding process for companies hiring international talent. By facilitating these connections, Jobbatical simplifies the complexities of short-term contracts and global mobility for both job seekers and employers.

Thinnect, Inc. develops wireless mesh networking technology for Internet of things (IoT) segments, such as commercial lighting and street lighting. Its solutions include commercial lighting solution that enables a lighting company to enhance their light emitting diode (LED) lighting products with intelligent control and unlocking additional savings; and street lighting solution that enable to install street lights using networking technology. The company was founded in 2015 and is based in Sunnyvale, California.

Monese Ltd. is a digital banking alternative based in London, United Kingdom, that provides mobile-only, multi-currency accounts across 31 countries in the European Economic Area. Founded in 2015 by Norris Koppel, the platform caters to individuals and businesses who face challenges with traditional banking, offering a fully localized banking experience in 14 languages. Monese allows users to manage their finances through a mobile application that facilitates quick account opening without credit checks or residency restrictions. Its services include current accounts for money storage and payments, local and international transfers, and debit cards for purchases and cash withdrawals. The company's innovative "Know Your Customer" technology enables real-time identity verification, allowing users to set up accounts in just minutes.

Lingvist Inc. is a language-learning software company based in Tallinn, Estonia, founded in 2013 by Ott Jalakas, Mait Muntel, Andres Koern, and Tanel Hiir. The company utilizes statistical analysis and adaptive machine learning algorithms to develop its language-learning tools, which aim to help users acquire new languages in approximately 200 hours. Lingvist's platform is accessible through both an online interface and mobile applications for iOS and Android devices. The software features a smart algorithm that monitors user progress and errors, adapting lessons in real time to align with individual learning levels and memory patterns.

Jobbatical OÜ is an Estonian company founded in 2014 that provides an online platform for connecting professionals, such as developers, graphic designers, and marketers, with employers offering short-term employment opportunities. The service enables individuals seeking a combined work and travel experience to find temporary positions while helping employers fill short-term vacancies. Jobbatical also offers immigration and settlement services, streamlining the onboarding process for companies hiring international talent. By facilitating these connections, Jobbatical simplifies the complexities of short-term contracts and global mobility for both job seekers and employers.

VitalFields is a digital agriculture company that offers an easy-to-use farm management system for farmers to plan, manage and analyze their field activities, including simplified tracking and reporting of all crop inputs to help ensure compliance with European Union environmental standards. Founded in 2011 and based in Tallinn, Estonia, VitalFields is available in several European countries.

Monese Ltd. is a digital banking alternative based in London, United Kingdom, that provides mobile-only, multi-currency accounts across 31 countries in the European Economic Area. Founded in 2015 by Norris Koppel, the platform caters to individuals and businesses who face challenges with traditional banking, offering a fully localized banking experience in 14 languages. Monese allows users to manage their finances through a mobile application that facilitates quick account opening without credit checks or residency restrictions. Its services include current accounts for money storage and payments, local and international transfers, and debit cards for purchases and cash withdrawals. The company's innovative "Know Your Customer" technology enables real-time identity verification, allowing users to set up accounts in just minutes.

Jobbatical OÜ is an Estonian company founded in 2014 that provides an online platform for connecting professionals, such as developers, graphic designers, and marketers, with employers offering short-term employment opportunities. The service enables individuals seeking a combined work and travel experience to find temporary positions while helping employers fill short-term vacancies. Jobbatical also offers immigration and settlement services, streamlining the onboarding process for companies hiring international talent. By facilitating these connections, Jobbatical simplifies the complexities of short-term contracts and global mobility for both job seekers and employers.

Fit Origin is the ultimate fit recommendation solution for eCommerce fashion retailers which puts fit and body shapes at the heart of the online shopping experience. It combines garment data and shopper data to determine which size garment will fit them, the way they want to wear it. Each shopper’s measurements are calculated based on height, weight, age and body shape. Deep statistical analysis of thousands of detailed body scans allows their data scientists to use these limited data points to infer high quality information about the shopper’s measurements. Every garment is analysed by their garment technologists, taking many factors into account including silhouette, stretch and fit preference. A shopper’s body measurements are used in conjunction with garment measurements to interpret how each size will fit a shopper. Fit Origin recommends the best size to fit shoppers, with the ability to compare sizes based on their own fit preferences. Their fit recommendation solution allows your shoppers to buy with confidence. At Rakuten Fits Me they are all about ‘Me’ fashion, not mass fashion. They are the only size and fit solution provider to align your product data with shopper body data so they get the perfect fit, first time, every time.

Monese Ltd. is a digital banking alternative based in London, United Kingdom, that provides mobile-only, multi-currency accounts across 31 countries in the European Economic Area. Founded in 2015 by Norris Koppel, the platform caters to individuals and businesses who face challenges with traditional banking, offering a fully localized banking experience in 14 languages. Monese allows users to manage their finances through a mobile application that facilitates quick account opening without credit checks or residency restrictions. Its services include current accounts for money storage and payments, local and international transfers, and debit cards for purchases and cash withdrawals. The company's innovative "Know Your Customer" technology enables real-time identity verification, allowing users to set up accounts in just minutes.

Lingvist Inc. is a language-learning software company based in Tallinn, Estonia, founded in 2013 by Ott Jalakas, Mait Muntel, Andres Koern, and Tanel Hiir. The company utilizes statistical analysis and adaptive machine learning algorithms to develop its language-learning tools, which aim to help users acquire new languages in approximately 200 hours. Lingvist's platform is accessible through both an online interface and mobile applications for iOS and Android devices. The software features a smart algorithm that monitors user progress and errors, adapting lessons in real time to align with individual learning levels and memory patterns.

Cloutex is a data logistics company that allows businesses to synchronize, move and manage their data quickly and easily. Their Google Chrome extension - Cloutex for Chrome enables users to move LinkedIn data available on public profiles into a Customer Relationship Management (CRM) platform.

VitalFields is a digital agriculture company that offers an easy-to-use farm management system for farmers to plan, manage and analyze their field activities, including simplified tracking and reporting of all crop inputs to help ensure compliance with European Union environmental standards. Founded in 2011 and based in Tallinn, Estonia, VitalFields is available in several European countries.

Fit Origin is the ultimate fit recommendation solution for eCommerce fashion retailers which puts fit and body shapes at the heart of the online shopping experience. It combines garment data and shopper data to determine which size garment will fit them, the way they want to wear it. Each shopper’s measurements are calculated based on height, weight, age and body shape. Deep statistical analysis of thousands of detailed body scans allows their data scientists to use these limited data points to infer high quality information about the shopper’s measurements. Every garment is analysed by their garment technologists, taking many factors into account including silhouette, stretch and fit preference. A shopper’s body measurements are used in conjunction with garment measurements to interpret how each size will fit a shopper. Fit Origin recommends the best size to fit shoppers, with the ability to compare sizes based on their own fit preferences. Their fit recommendation solution allows your shoppers to buy with confidence. At Rakuten Fits Me they are all about ‘Me’ fashion, not mass fashion. They are the only size and fit solution provider to align your product data with shopper body data so they get the perfect fit, first time, every time.

Realeyes Data Services Ltd., an emotions research company, provides web-based facial expression measurement solutions for video advertisements. The company’s solutions enable users to read how people feel about their video advertisements using computer vision. It offers Tentpole Creative, Digital Content, Live Interaction, consumer insight, and creative performance. The company was founded in 2007 and is headquartered in London, United Kingdom with additional offices in New York, New York; Tokyo, Japan; and Budapest, Hungary.

OÜ Sportlyzer develops software that analyses training information for amateur athletes and accordingly plans target driven training sessions. OÜ Sportlyzer was founded in 2009 and is based in Tartu, Estonia.

NOW! Innovations is a digital permit and mobile payment solution provider for the parking and transport sectors. NOW! Innovation's mission is to develop and introduce new innovative software applications to the parking and transport industry, as well as any other sector where handling of permits and tickets is required.

Cellin Technologies LLC is a cell therapy products contract manufacturing company founded in 2008, located in Tallinn Science Park Tehnopol at Mäealuse 4. Cellin Technologies focuses on providing contract manufacturing and clinical research services for developing proprietary technologies to produce cells for experimental or clinical applications on a commercial scale. Cellin Technologies provides services to pharmaceutical and biotech companies, hospitals and clinics in Estonia and external markets.

Modesat Communications is a rapidly growing privately held technology company specializing in the design, development and commercialization of high throughput FPGA or ASIC based digital modems for microwave, millimeter wave and satellite communications applications. Products developed by the company incorporate Modesat’s patented PilotSyncTM synchronization technology, which enables higher throughput, lower bill of materials cost and increased operational reliablity.

GrabCAD is a mechanical engineering community founded in 2009, headquartered in Boston, USA, with a development team based in Estonia. It serves as a platform for engineers, designers, manufacturers, and STEM students to share talent, expand knowledge, and collaborate. The company provides a free CAD model library and hosts engineering competitions, fostering engagement and innovation within the engineering community. Additionally, GrabCAD offers printing solutions that streamline the design and 3D printing workflow, helping clients efficiently manage print requests and reduce associated time losses.

Cleveron Ltd. is a technology and logistics company based in Viljandi, Estonia, specializing in self-service parcel terminals that facilitate the sending and receiving of postal parcels. Founded in 2006 and formerly known as SmartPOST Ltd., the company offers a comprehensive parcel delivery system that includes automated terminals, software solutions for terminal operation and monitoring, and support for business processes related to parcel distribution. Cleveron serves web retailing and mail ordering businesses, providing consultations on implementing and operating its business model, which encompasses financial planning, competition analysis, logistics processes, client services, and marketing. The company's aim is to enhance the efficiency, speed, convenience, and cost-effectiveness of parcel delivery for its clients, ensuring measurable value and a return on investment. Cleveron operates as a subsidiary of Posti Group Oyj.