Velocity Capital Fintech Ventures

Velocity Capital Fintech Ventures is a venture capital firm based in Bussum, Netherlands, established in 2011. The firm specializes in investing in early-stage fintech companies across Europe, Africa, Asia, and North America. Velocity focuses on partnering with founders who demonstrate strong vision, determination, and effective business models. In addition to providing initial capital, the firm offers ongoing support and guidance to its portfolio companies, helping them navigate challenges and complex issues as they arise. Velocity is committed to fostering fast growth while prioritizing sustainable outcomes over rapid timelines, often continuing to invest in subsequent funding rounds to support their partners' long-term success.

Tom Desmond

Partner

Victor de Leeuw

Investment Manager

Allard Luchsinger

Director

Don Montanaro

Partner

Justus Poldermans

Associate

Willem Willemstein

CEO

30 past transactions

Yoco

Series C in 2022
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

Seed Round in 2022
The Social Handshake is a fintech platform that facilitates Payroll Giving, enabling employees to donate directly from their salaries to chosen charities while receiving tax benefits. By connecting employers, employees, and charitable organizations, the platform enhances employee engagement and promotes corporate social responsibility. Employees can select their preferred charities, ensuring that donations are directed where they are most meaningful. For employers, implementing Payroll Giving not only fosters a positive workplace culture but also contributes to sustainable practices by supporting charitable causes through the active participation of their workforce.

Gotrade

Series A in 2022
Gotrade is a fractional share trading startup that provides an application enabling retail investors in 150 countries to invest commission-free in fractions of companies. The platform offers access to public equity markets, allowing users to trade fractional U.S. stocks specifically within Indonesian markets. It incorporates biometric access and bit encryption to enhance security, facilitating a low-risk investment environment. Users with accounts under $25,000 are permitted to make a maximum of three day trades every five trading days. Currently, access to the service is available on an invite-only basis.

Wibond

Seed Round in 2022
Wibond is a digital payment platform that operates under a "buy now pay later" model, allowing users to make flexible payments in installments without the need for a card. Founded in Argentina in 2020 by Ezequiel Bucai and Alejandro Silvestre, the company aims to enhance financial accessibility for a diverse community by providing tailored payment options. Wibond enables businesses to reach new customer segments and boost sales by offering innovative payment solutions. The platform connects users to a wide array of stores and businesses, facilitating installment payments. With a vision to promote trade in the complex Latin American market, Wibond is planning to expand its operations to Chile and Mexico. Prior to Wibond, the founders developed a platform that connected users to over 2,500 gyms and sports centers across Argentina, Mexico, and Chile, which was later acquired by Classpass.

Yoco

Series C in 2021
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

Series C in 2021
BUX is a fintech company founded in 2014 and based in Amsterdam, Noord-Holland. It focuses on making investing accessible and affordable through its mobile applications, which enable commission-free trading in stocks and exchange-traded funds (ETFs). The platform is designed to lower the barriers to entry for both novice and seasoned investors, allowing them to engage with the financial markets intuitively. Additionally, BUX offers the ability to invest in real cryptocurrencies, further broadening the investment opportunities available to its clients.

Meniga

Venture Round in 2021
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

Series C in 2021
Twisto is a mobile payment app designed to simplify online transactions for users. It allows customers to make purchases with a single click, manage bills and invoices by photographing them within the app, and access payment options through a connected Mastercard, a special payment bracelet, or Apple Pay. The platform enhances the user experience by offering deferred payments and instant checkouts, enabling seamless transactions across various platforms. Additionally, Twisto provides competitive exchange rates for international payments and aggregates all transactions in a user-friendly mobile interface, allowing customers to settle their payments at the end of each month. This comprehensive approach aims to deliver convenience and efficiency in managing financial activities.

FiveDegrees

Venture Round in 2020
Five Degrees is a financial technology solutions provider that offers next generation banking software to retail and private banks. Its core BPM banking solution, Matrix, provides a fully automated banking services platform that supports any segment, product, or channel via a mid-office environment, connected to legacy back-office, or the available Matrix back office. The company supports its clients throughout the complete value chain by providing project management to technical and functional knowledge. Its technical staff offers training of users, maintenance staff, and offers support on managing parts of the infrastructure. Five Degrees was founded on 2009 and is based in Amsterdam, Netherlands.

Meniga

Corporate Round in 2020
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

Series B in 2019
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

Series B in 2019
Migo is an embedded lending software that specializes in microfinance, credit, and loan services.

BUX

Venture Round in 2019
BUX is a fintech company founded in 2014 and based in Amsterdam, Noord-Holland. It focuses on making investing accessible and affordable through its mobile applications, which enable commission-free trading in stocks and exchange-traded funds (ETFs). The platform is designed to lower the barriers to entry for both novice and seasoned investors, allowing them to engage with the financial markets intuitively. Additionally, BUX offers the ability to invest in real cryptocurrencies, further broadening the investment opportunities available to its clients.

Owlin

Series A in 2019
Owlin is an AI-driven platform that specializes in risk intelligence, providing businesses with valuable insights derived from extensive news monitoring. By utilizing proprietary artificial intelligence and large language models, Owlin extracts and analyzes information from over 3 million mainstream and niche sources in 16 languages, including English, Spanish, Chinese, and Arabic. This capability allows organizations to stay informed about emerging risks, opportunities, and trends that could impact their operations. Owlin's services cater to various clients, including major global brands, enabling them to monitor large portfolios of counterparties, clients, vendors, or suppliers effectively. The platform offers several delivery methods for its insights, including the Owlin Newsletter, Owlin Lite, Owlin Enterprise, and Owlin API, ensuring that users can access real-time information that enhances decision-making and reduces risk exposure.

Lendahand

Venture Round in 2019
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

Series B in 2019
Twisto is a mobile payment app designed to simplify online transactions for users. It allows customers to make purchases with a single click, manage bills and invoices by photographing them within the app, and access payment options through a connected Mastercard, a special payment bracelet, or Apple Pay. The platform enhances the user experience by offering deferred payments and instant checkouts, enabling seamless transactions across various platforms. Additionally, Twisto provides competitive exchange rates for international payments and aggregates all transactions in a user-friendly mobile interface, allowing customers to settle their payments at the end of each month. This comprehensive approach aims to deliver convenience and efficiency in managing financial activities.

Yoco

Series B in 2018
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

Seed Round in 2018
Openclaims is a provider of a cloud-based platform designed for body repair management, primarily serving the insurance, commercial fleet, and automotive industries. The platform facilitates the digitalization of vehicle repair processes, allowing businesses to enhance efficiency and adapt to the rapidly evolving automotive landscape. Openclaims enables users to match specific repair jobs with suitable body shops based on various criteria, including capacity, expertise, lead time, price, and repair quality. This comprehensive solution empowers insurers, leasing companies, and fleet owners to manage motor insurance claims effectively while addressing the complexities of increasing vehicle technology and rising customer expectations.

BUX

Series C in 2017
BUX is a fintech company founded in 2014 and based in Amsterdam, Noord-Holland. It focuses on making investing accessible and affordable through its mobile applications, which enable commission-free trading in stocks and exchange-traded funds (ETFs). The platform is designed to lower the barriers to entry for both novice and seasoned investors, allowing them to engage with the financial markets intuitively. Additionally, BUX offers the ability to invest in real cryptocurrencies, further broadening the investment opportunities available to its clients.

Meniga

Venture Round in 2017
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

Series A in 2017
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.

FiveDegrees

Venture Round in 2016
Five Degrees is a financial technology solutions provider that offers next generation banking software to retail and private banks. Its core BPM banking solution, Matrix, provides a fully automated banking services platform that supports any segment, product, or channel via a mid-office environment, connected to legacy back-office, or the available Matrix back office. The company supports its clients throughout the complete value chain by providing project management to technical and functional knowledge. Its technical staff offers training of users, maintenance staff, and offers support on managing parts of the infrastructure. Five Degrees was founded on 2009 and is based in Amsterdam, Netherlands.

Meniga

Venture Round in 2016
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

Series A in 2015
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, Ancoa's monitoring platform enables clients to manage regulatory, reputational, and operational risks across various markets and asset classes, enhancing market integrity through improved visibility of trading behaviors. The company's suite of products includes AlertView for investigating abnormal trading alerts, MarketView for real-time monitoring of trading activities, TradeView for interactive visualization of trading data, and OrderView for reconstructing order books. Additionally, ReportView offers comprehensive reporting capabilities, DataView enables access to underlying market data, NetworkView provides insights into market participant behavior, and AnalyticsView allows users to interact with alerts and conduct historical data analysis. As of May 2017, Ancoa operates as a subsidiary of Cinnober Financial Technology AB.

8 Securities

Series B in 2014
8 Securities Limited is an online brokerage firm based in Central, Hong Kong, that specializes in providing mobile investing and trading services. Founded in 2010, the company offers a range of solutions including a robo-advisor service, a social trading platform, and zero-commission brokerage. Its mobile application allows users to follow and learn from the investment strategies of top-performing community members, enabling them to track their own trading performance in comparison. The firm operates on a white label basis and supports multi-asset class investments in various currencies and languages. As of April 2020, 8 Securities Limited is a subsidiary of Social Finance, Inc.

Cellulant

Series B in 2014
Cellulant Corporation is a prominent multinational payments company based in Nairobi, Kenya, focused on digitizing payments across Africa's largest economies. Established in 2004, Cellulant offers a comprehensive mobile payments platform that connects businesses and governments, facilitating consumer payments, digital banking, and remittance solutions. The company provides several innovative products, including Mula for general payment processing, Agrikore—a blockchain-based tool for agricultural transactions, and Tingg, which enables card, bank, and bill payments. By delivering locally relevant payment methods and supporting multiple currencies, Cellulant addresses the complex payment requirements of various businesses, making it easier for merchants to accept and manage payments.

8 Securities

Series A in 2012
8 Securities Limited is an online brokerage firm based in Central, Hong Kong, that specializes in providing mobile investing and trading services. Founded in 2010, the company offers a range of solutions including a robo-advisor service, a social trading platform, and zero-commission brokerage. Its mobile application allows users to follow and learn from the investment strategies of top-performing community members, enabling them to track their own trading performance in comparison. The firm operates on a white label basis and supports multi-asset class investments in various currencies and languages. As of April 2020, 8 Securities Limited is a subsidiary of Social Finance, Inc.

8 Securities

Series A in 2012
8 Securities Limited is an online brokerage firm based in Central, Hong Kong, that specializes in providing mobile investing and trading services. Founded in 2010, the company offers a range of solutions including a robo-advisor service, a social trading platform, and zero-commission brokerage. Its mobile application allows users to follow and learn from the investment strategies of top-performing community members, enabling them to track their own trading performance in comparison. The firm operates on a white label basis and supports multi-asset class investments in various currencies and languages. As of April 2020, 8 Securities Limited is a subsidiary of Social Finance, Inc.

FiveDegrees

Series A in 2011
Five Degrees is a financial technology solutions provider that offers next generation banking software to retail and private banks. Its core BPM banking solution, Matrix, provides a fully automated banking services platform that supports any segment, product, or channel via a mid-office environment, connected to legacy back-office, or the available Matrix back office. The company supports its clients throughout the complete value chain by providing project management to technical and functional knowledge. Its technical staff offers training of users, maintenance staff, and offers support on managing parts of the infrastructure. Five Degrees was founded on 2009 and is based in Amsterdam, Netherlands.

Zecco

Series B in 2007
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.
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