Velocity Capital Fintech Ventures

Yoco Technologies, based in Cape Town, South Africa, specializes in streamlining commerce between buyers and sellers. It offers a mobile point-of-sale solution that enables businesses to accept secure payments online and offline through a unified platform. This platform also includes lending and business software services, catering to over 300,000 small businesses annually, processing billions of dollars in transactions. Yoco aims to enhance the customer experience by reducing wait times and simplifying payment processes for both buyers and sellers.

The Social Handshake is a fintech company that facilitates Payroll Giving by connecting employers, employees, and charities. Its platform enables employees to make charitable donations directly from their salaries, allowing them to select the charity of their choice. This model not only streamlines the donation process but also provides employees with tax benefits. For employers, integrating Payroll Giving enhances employee engagement and fosters a culture of social responsibility. The Social Handshake's approach supports the creation of a sustainable world by empowering employees to contribute to meaningful causes through their workplace.

Gotrade is a fractional share trading startup focused on empowering retail investors with access to public equity markets. The company offers a mobile application that allows users from 150 countries to invest commission-free in fractions of U.S. stocks, providing the opportunity to participate in the financial markets with lower capital requirements. Users can execute a limited number of trades per week, enabling them to engage actively without extensive upfront investments. The application incorporates biometric access and encryption for enhanced security, promoting a safer investing environment. Currently, Gotrade operates on an invite-only basis, primarily targeting the Indonesian market as it seeks to expand its offerings and attract a broader investor base.

Wibond is a digital payment platform founded in Argentina in 2020 by Ezequiel Bucai and Alejandro Silvestre. It operates under a "buy now, pay later" model, providing users with a flexible payment method that allows them to pay in installments without the need for a card. This innovative approach enhances financial access for a diverse user community while enabling companies to increase sales by attracting new customers. Wibond's platform includes a virtual wallet that facilitates a variety of financial transactions such as payments, collections, and withdrawals, streamlining the payment process for businesses. With a vision to promote trade throughout Latin America, Wibond is expanding its services into markets like Chile and Mexico, building on its experience from a prior venture that connected users with a network of gyms and sports centers in multiple countries.

Yoco Technologies, based in Cape Town, South Africa, specializes in streamlining commerce between buyers and sellers. It offers a mobile point-of-sale solution that enables businesses to accept secure payments online and offline through a unified platform. This platform also includes lending and business software services, catering to over 300,000 small businesses annually, processing billions of dollars in transactions. Yoco aims to enhance the customer experience by reducing wait times and simplifying payment processes for both buyers and sellers.

BUX, established in 2014 and based in Amsterdam, is a fintech company that provides a mobile stock trading platform. Its key offering is a commission-free investing app, making it accessible and affordable for both novice and experienced investors to trade stocks and exchange-traded funds (ETFs). Additionally, the platform allows users to invest in real cryptocurrencies.

Meniga Ltd is a London-based company that specializes in developing white-label digital banking solutions aimed at enhancing personal finance management for banks, businesses, and individuals. Established in 2013, Meniga offers a comprehensive suite of products, including data aggregation, automated real-time notifications, predictive analytics, and personalized engagement tools. Its platform is designed to provide meaningful customer interactions and unlock new revenue opportunities through advanced data consolidation and enrichment. Additionally, Meniga facilitates cashback rewards and transaction-based carbon insights, allowing users to manage financial data efficiently while promoting sustainability. The company's modular and customizable solutions cater to the diverse needs of financial institutions, reinforcing their customer relationships and improving the overall online and mobile banking experience.

Twisto is a mobile payment application that offers a streamlined solution for online transactions. It allows users to make purchases with a single click through a connected Mastercard and supports Apple Pay. The app enables customers to manage their bills and invoices by taking photos of them, facilitating deferred payments and instant checkouts. Users can also utilize a virtual card or a payment bracelet for transactions, providing flexibility for payments at various locations. Additionally, Twisto ensures competitive exchange rates for international payments. The platform aggregates all transactions in an organized mobile interface, allowing users to settle their payments collectively at the end of each month.

Five Degrees is a financial technology solutions provider based in Amsterdam, Netherlands, specializing in next-generation banking software for retail and private banks. The company's primary offering, the Matrix platform, serves as a fully automated banking services solution, accommodating various segments, products, and channels through a mid-office environment that integrates with both legacy systems and its own back office. Five Degrees enables banks, lenders, and financial institutions to deliver a wide array of banking services, including SME lending, retail lending, leasing, transactional accounts, and mortgage services, all accessible via the Internet. Additionally, the company supports clients throughout the entire value chain, offering project management, technical expertise, training for users and maintenance staff, and infrastructure management support. Founded in 2009, Five Degrees is committed to enhancing the banking experience for its clients and their customers.

Meniga Ltd is a London-based company that specializes in developing white-label digital banking solutions aimed at enhancing personal finance management for banks, businesses, and individuals. Established in 2013, Meniga offers a comprehensive suite of products, including data aggregation, automated real-time notifications, predictive analytics, and personalized engagement tools. Its platform is designed to provide meaningful customer interactions and unlock new revenue opportunities through advanced data consolidation and enrichment. Additionally, Meniga facilitates cashback rewards and transaction-based carbon insights, allowing users to manage financial data efficiently while promoting sustainability. The company's modular and customizable solutions cater to the diverse needs of financial institutions, reinforcing their customer relationships and improving the overall online and mobile banking experience.

Mines.io, Inc. is a financial analytics company that operates a platform focused on mobile data. Its flagship product, Mteka, is an in-memory analytics solution capable of processing vast amounts of mobile carrier data rapidly, allowing for the creation and deployment of predictive models in real time. The company's services are designed to assist mobile operators in monetizing their data while enabling financial institutions to expand their customer reach. Among its offerings are a credit scoring service that evaluates consumer credit risk based on mobile behavior, a fraud detection system that identifies suspicious activities in real time, and behavior modeling tools that enhance customer identity verification. Additionally, the company employs risk analysis and machine learning techniques to help insurance providers tailor premiums based on consumer risk profiles. Founded in 2013 and based in San Francisco, Mines.io aims to leverage mobile data to improve financial services and consumer access to credit.

Migo is an embedded lending software that specializes in microfinance, credit, and loan services.

BUX, established in 2014 and based in Amsterdam, is a fintech company that provides a mobile stock trading platform. Its key offering is a commission-free investing app, making it accessible and affordable for both novice and experienced investors to trade stocks and exchange-traded funds (ETFs). Additionally, the platform allows users to invest in real cryptocurrencies.

Owlin is an AI-driven platform specializing in risk intelligence, designed to assist businesses in navigating and interpreting news and data. By utilizing proprietary artificial intelligence and Large Language Models, Owlin extracts valuable insights from over 3 million mainstream and niche sources across 16 languages, providing clients with real-time information that enhances decision-making and risk management. The platform enables organizations to proactively monitor their portfolios, identify emerging risks, and capitalize on opportunities and market trends. Owlin serves a diverse range of clients, including prominent global brands, through various delivery methods, including newsletters and API integrations. The company's focus on transforming news into actionable insights positions it as a vital tool for finance professionals and businesses seeking to stay informed in a rapidly changing environment.

Lendahand is an online impact investing platform that focuses on crowdfunding to support small and medium-sized enterprises (SMEs) in emerging markets. The company enables investors to contribute to projects that aim to eradicate poverty while earning a return on their investments. By providing a platform for loan funding, Lendahand facilitates access to capital for entrepreneurs in developing countries, allowing them to grow their businesses and implement innovative ideas. This model encourages a specific social and sustainable impact, promoting economic development in regions that require financial support.

Twisto is a mobile payment application that offers a streamlined solution for online transactions. It allows users to make purchases with a single click through a connected Mastercard and supports Apple Pay. The app enables customers to manage their bills and invoices by taking photos of them, facilitating deferred payments and instant checkouts. Users can also utilize a virtual card or a payment bracelet for transactions, providing flexibility for payments at various locations. Additionally, Twisto ensures competitive exchange rates for international payments. The platform aggregates all transactions in an organized mobile interface, allowing users to settle their payments collectively at the end of each month.

Yoco Technologies, based in Cape Town, South Africa, specializes in streamlining commerce between buyers and sellers. It offers a mobile point-of-sale solution that enables businesses to accept secure payments online and offline through a unified platform. This platform also includes lending and business software services, catering to over 300,000 small businesses annually, processing billions of dollars in transactions. Yoco aims to enhance the customer experience by reducing wait times and simplifying payment processes for both buyers and sellers.

Openclaims is a technology company that provides a cloud-based platform for body repair management, specifically designed for the insurance, commercial fleet, and automotive industries. Their software allows customers to digitalize and optimize vehicle repair processes, ensuring they remain competitive in a rapidly evolving market characterized by increasing vehicle complexity and rising customer expectations. The platform streamlines claim handling by matching individual repair jobs with appropriate body shops based on various factors such as capacity, expertise, lead time, price, and quality of repair. This end-to-end solution empowers insurers, leasing companies, and fleet owners to efficiently manage and tender motor insurance claims, ultimately enhancing cost-effectiveness and improving overall service delivery.

BUX, established in 2014 and based in Amsterdam, is a fintech company that provides a mobile stock trading platform. Its key offering is a commission-free investing app, making it accessible and affordable for both novice and experienced investors to trade stocks and exchange-traded funds (ETFs). Additionally, the platform allows users to invest in real cryptocurrencies.

Meniga Ltd is a London-based company that specializes in developing white-label digital banking solutions aimed at enhancing personal finance management for banks, businesses, and individuals. Established in 2013, Meniga offers a comprehensive suite of products, including data aggregation, automated real-time notifications, predictive analytics, and personalized engagement tools. Its platform is designed to provide meaningful customer interactions and unlock new revenue opportunities through advanced data consolidation and enrichment. Additionally, Meniga facilitates cashback rewards and transaction-based carbon insights, allowing users to manage financial data efficiently while promoting sustainability. The company's modular and customizable solutions cater to the diverse needs of financial institutions, reinforcing their customer relationships and improving the overall online and mobile banking experience.

Yoco Technologies, based in Cape Town, South Africa, specializes in streamlining commerce between buyers and sellers. It offers a mobile point-of-sale solution that enables businesses to accept secure payments online and offline through a unified platform. This platform also includes lending and business software services, catering to over 300,000 small businesses annually, processing billions of dollars in transactions. Yoco aims to enhance the customer experience by reducing wait times and simplifying payment processes for both buyers and sellers.

Five Degrees is a financial technology solutions provider based in Amsterdam, Netherlands, specializing in next-generation banking software for retail and private banks. The company's primary offering, the Matrix platform, serves as a fully automated banking services solution, accommodating various segments, products, and channels through a mid-office environment that integrates with both legacy systems and its own back office. Five Degrees enables banks, lenders, and financial institutions to deliver a wide array of banking services, including SME lending, retail lending, leasing, transactional accounts, and mortgage services, all accessible via the Internet. Additionally, the company supports clients throughout the entire value chain, offering project management, technical expertise, training for users and maintenance staff, and infrastructure management support. Founded in 2009, Five Degrees is committed to enhancing the banking experience for its clients and their customers.

Meniga Ltd is a London-based company that specializes in developing white-label digital banking solutions aimed at enhancing personal finance management for banks, businesses, and individuals. Established in 2013, Meniga offers a comprehensive suite of products, including data aggregation, automated real-time notifications, predictive analytics, and personalized engagement tools. Its platform is designed to provide meaningful customer interactions and unlock new revenue opportunities through advanced data consolidation and enrichment. Additionally, Meniga facilitates cashback rewards and transaction-based carbon insights, allowing users to manage financial data efficiently while promoting sustainability. The company's modular and customizable solutions cater to the diverse needs of financial institutions, reinforcing their customer relationships and improving the overall online and mobile banking experience.

Ancoa Software Ltd. is a financial software company based in London, United Kingdom, specializing in contextual surveillance and analytics solutions for exchanges, regulators, and buy- and sell-side firms. Founded in 2010, the company offers a comprehensive monitoring and surveillance platform designed to help firms manage regulatory, reputational, and operational risks across various markets, functions, and asset classes. Ancoa's solutions enhance market integrity by providing users with greater visibility into trading behavior. Key offerings include AlertView for investigating alerts on suspicious activity, MarketView for real-time market dashboards, TradeView for interactive visualization of trading information, and several other tools that facilitate order reconstruction, reporting, and data access. Ancoa’s technology assists firms in mitigating risks associated with insider trading, market manipulation, and other unethical trading practices. As of May 2017, Ancoa Software operates as a subsidiary of Cinnober Financial Technology AB.

8 Securities Limited is a Hong Kong-based company that specializes in online brokerage and trading services. Founded in 2010, it provides a mobile investing application and a robo-advisor on a white label basis, enabling users to access multi-asset class investment solutions. The company also offers a social trading platform where members can follow and learn from the investment strategies of top-performing community members. This platform allows users to analyze their own performance in comparison to others, enhancing the investment experience through community engagement. As of April 2020, 8 Securities operates as a subsidiary of Social Finance, Inc.

Cellulant Corporation is a prominent multinational payments company headquartered in Nairobi, Kenya, focused on digitizing payments across Africa's major economies. Founded in 2004, Cellulant offers a comprehensive mobile payments platform that connects businesses and governments, facilitating various consumer payment solutions. Its key products include Mula, a versatile payment platform; Agrikore, a blockchain-based tool designed for the agriculture sector that streamlines contracting and digital payments; and Tingg, which enables users to manage card, bank, and bill payments seamlessly. By providing locally relevant payment solutions, Cellulant addresses the intricate needs of global, regional, and local merchants, making it easier for them to collect and make payments in multiple currencies.

8 Securities Limited is a Hong Kong-based company that specializes in online brokerage and trading services. Founded in 2010, it provides a mobile investing application and a robo-advisor on a white label basis, enabling users to access multi-asset class investment solutions. The company also offers a social trading platform where members can follow and learn from the investment strategies of top-performing community members. This platform allows users to analyze their own performance in comparison to others, enhancing the investment experience through community engagement. As of April 2020, 8 Securities operates as a subsidiary of Social Finance, Inc.

8 Securities Limited is a Hong Kong-based company that specializes in online brokerage and trading services. Founded in 2010, it provides a mobile investing application and a robo-advisor on a white label basis, enabling users to access multi-asset class investment solutions. The company also offers a social trading platform where members can follow and learn from the investment strategies of top-performing community members. This platform allows users to analyze their own performance in comparison to others, enhancing the investment experience through community engagement. As of April 2020, 8 Securities operates as a subsidiary of Social Finance, Inc.

Five Degrees is a financial technology solutions provider based in Amsterdam, Netherlands, specializing in next-generation banking software for retail and private banks. The company's primary offering, the Matrix platform, serves as a fully automated banking services solution, accommodating various segments, products, and channels through a mid-office environment that integrates with both legacy systems and its own back office. Five Degrees enables banks, lenders, and financial institutions to deliver a wide array of banking services, including SME lending, retail lending, leasing, transactional accounts, and mortgage services, all accessible via the Internet. Additionally, the company supports clients throughout the entire value chain, offering project management, technical expertise, training for users and maintenance staff, and infrastructure management support. Founded in 2009, Five Degrees is committed to enhancing the banking experience for its clients and their customers.

Zecco is an online stock brokerage founded in 2006, aimed at democratizing investing by minimizing transaction costs and empowering individual investors. The company offers low-cost trading services for stocks and options, positioning itself as an alternative to traditional brokerage firms. Its service portfolio includes competitive commission rates and a comprehensive array of free trading tools designed to facilitate investment decisions. By focusing on affordability and accessibility, Zecco seeks to provide all investors with the resources necessary for potential success in the financial markets.