Valar Ventures

Moss is a technology-based payment and credit card platform designed to help businesses optimize their financial management. The platform offers a corporate credit card with significantly higher spending limits, accommodating even the largest expenses. It provides both virtual and physical credit cards, allowing teams to spend securely and efficiently. Moss enables companies to set individual spending limits and access real-time data on expenditures by card, merchant, or team, ensuring effective cost control. Additionally, the Moss app facilitates the digitization of receipts, including cost center and VAT assignments. At the end of each month, all financial data and documents can be easily exported to various accounting software, streamlining the reconciliation process.

Prism Data is a cash flow underwriting infrastructure and analytics platform that focuses on transforming raw transaction data from financial providers into actionable insights. This platform is designed to enhance credit scoring by providing essential open banking infrastructure. By analyzing consumer-permission deposit account transaction data, Prism Data enables businesses to gain a deeper understanding of credit risk, identity, and income. Its applications extend across various sectors, including payments, lending, insurance, personal financial management, fraud mitigation, and real estate, allowing organizations to derive valuable insights that inform their decision-making processes.

Petal Card, Inc. is a credit card company focused on providing financial access to individuals without traditional credit histories, such as students and immigrants. Founded in 2015 and based in New York, the company utilizes machine learning to analyze users' digital financial records, allowing for cash flow underwriting as an alternative to conventional credit scoring. This innovative approach enables Petal to offer higher credit limits and lower rates compared to competing credit cards. The company's flagship product, the Petal Visa, is designed to promote responsible spending and credit-building, accompanied by a user-friendly digital application for managing payments. Petal aims to make credit more honest, simple, and accessible, fostering a financial environment that encourages users to succeed.

Moss is a technology-based payment and credit card platform designed to help businesses optimize their financial management. The platform offers a corporate credit card with significantly higher spending limits, accommodating even the largest expenses. It provides both virtual and physical credit cards, allowing teams to spend securely and efficiently. Moss enables companies to set individual spending limits and access real-time data on expenditures by card, merchant, or team, ensuring effective cost control. Additionally, the Moss app facilitates the digitization of receipts, including cost center and VAT assignments. At the end of each month, all financial data and documents can be easily exported to various accounting software, streamlining the reconciliation process.

Petal Card, Inc. is a credit card company focused on providing financial access to individuals without traditional credit histories, such as students and immigrants. Founded in 2015 and based in New York, the company utilizes machine learning to analyze users' digital financial records, allowing for cash flow underwriting as an alternative to conventional credit scoring. This innovative approach enables Petal to offer higher credit limits and lower rates compared to competing credit cards. The company's flagship product, the Petal Visa, is designed to promote responsible spending and credit-building, accompanied by a user-friendly digital application for managing payments. Petal aims to make credit more honest, simple, and accessible, fostering a financial environment that encourages users to succeed.

Nearside is a financial services provider that focuses on small and medium-sized businesses (SMBs). The company specializes in offering lines of credit and business loans to entrepreneurs who may struggle to secure financing from traditional sources. Nearside aims to empower business owners by providing them with essential tools and support to facilitate their success, thereby enabling greater access to credit for its clients.

Moss is a technology-based payment and credit card platform designed to help businesses optimize their financial management. The platform offers a corporate credit card with significantly higher spending limits, accommodating even the largest expenses. It provides both virtual and physical credit cards, allowing teams to spend securely and efficiently. Moss enables companies to set individual spending limits and access real-time data on expenditures by card, merchant, or team, ensuring effective cost control. Additionally, the Moss app facilitates the digitization of receipts, including cost center and VAT assignments. At the end of each month, all financial data and documents can be easily exported to various accounting software, streamlining the reconciliation process.

Bitpanda GmbH is a digital assets platform based in Vienna, Austria, founded in 2014. The company facilitates the buying and selling of cryptocurrencies, fractional stocks, and precious metals, aiming to simplify access to financial markets for users. Its platform offers features such as low fees, 24/7 trading, real-time settlement, and various payment options, allowing users to manage their investments conveniently. Bitpanda also provides a debit card that enables users to spend their investments like cash, further enhancing the accessibility and usability of digital assets.

Bitpanda GmbH is a digital assets platform based in Vienna, Austria, founded in 2014. The company facilitates the buying and selling of cryptocurrencies, fractional stocks, and precious metals, aiming to simplify access to financial markets for users. Its platform offers features such as low fees, 24/7 trading, real-time settlement, and various payment options, allowing users to manage their investments conveniently. Bitpanda also provides a debit card that enables users to spend their investments like cash, further enhancing the accessibility and usability of digital assets.

Moss is a technology-based payment and credit card platform designed to help businesses optimize their financial management. The platform offers a corporate credit card with significantly higher spending limits, accommodating even the largest expenses. It provides both virtual and physical credit cards, allowing teams to spend securely and efficiently. Moss enables companies to set individual spending limits and access real-time data on expenditures by card, merchant, or team, ensuring effective cost control. Additionally, the Moss app facilitates the digitization of receipts, including cost center and VAT assignments. At the end of each month, all financial data and documents can be easily exported to various accounting software, streamlining the reconciliation process.

Bitpanda GmbH is a digital assets platform based in Vienna, Austria, founded in 2014. The company facilitates the buying and selling of cryptocurrencies, fractional stocks, and precious metals, aiming to simplify access to financial markets for users. Its platform offers features such as low fees, 24/7 trading, real-time settlement, and various payment options, allowing users to manage their investments conveniently. Bitpanda also provides a debit card that enables users to spend their investments like cash, further enhancing the accessibility and usability of digital assets.

Petal Card, Inc. is a credit card company focused on providing financial access to individuals without traditional credit histories, such as students and immigrants. Founded in 2015 and based in New York, the company utilizes machine learning to analyze users' digital financial records, allowing for cash flow underwriting as an alternative to conventional credit scoring. This innovative approach enables Petal to offer higher credit limits and lower rates compared to competing credit cards. The company's flagship product, the Petal Visa, is designed to promote responsible spending and credit-building, accompanied by a user-friendly digital application for managing payments. Petal aims to make credit more honest, simple, and accessible, fostering a financial environment that encourages users to succeed.

Petal Card, Inc. is a credit card company focused on providing financial access to individuals without traditional credit histories, such as students and immigrants. Founded in 2015 and based in New York, the company utilizes machine learning to analyze users' digital financial records, allowing for cash flow underwriting as an alternative to conventional credit scoring. This innovative approach enables Petal to offer higher credit limits and lower rates compared to competing credit cards. The company's flagship product, the Petal Visa, is designed to promote responsible spending and credit-building, accompanied by a user-friendly digital application for managing payments. Petal aims to make credit more honest, simple, and accessible, fostering a financial environment that encourages users to succeed.

Petal Card, Inc. is a credit card company focused on providing financial access to individuals without traditional credit histories, such as students and immigrants. Founded in 2015 and based in New York, the company utilizes machine learning to analyze users' digital financial records, allowing for cash flow underwriting as an alternative to conventional credit scoring. This innovative approach enables Petal to offer higher credit limits and lower rates compared to competing credit cards. The company's flagship product, the Petal Visa, is designed to promote responsible spending and credit-building, accompanied by a user-friendly digital application for managing payments. Petal aims to make credit more honest, simple, and accessible, fostering a financial environment that encourages users to succeed.

Petal Card, Inc. is a credit card company focused on providing financial access to individuals without traditional credit histories, such as students and immigrants. Founded in 2015 and based in New York, the company utilizes machine learning to analyze users' digital financial records, allowing for cash flow underwriting as an alternative to conventional credit scoring. This innovative approach enables Petal to offer higher credit limits and lower rates compared to competing credit cards. The company's flagship product, the Petal Visa, is designed to promote responsible spending and credit-building, accompanied by a user-friendly digital application for managing payments. Petal aims to make credit more honest, simple, and accessible, fostering a financial environment that encourages users to succeed.