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.

Allard Luchsinger

Director

Don Montanaro

Partner

Willem Willemstein

CEO

30 past transactions

Yoco

Series C in 2022
Yoco Technologies (Pty) Ltd. is a South African technology company based in Cape Town that focuses on providing a seamless mobile point-of-sale experience for small businesses and entrepreneurs. By creating a unified platform, Yoco enables businesses to accept secure payments both online and in-person, while simplifying operational processes. The company offers a diverse product ecosystem that includes payment solutions, lending options, and business management software. It serves over 300,000 small businesses, processing billions of dollars annually, and aims to enhance the commerce experience for both buyers and sellers by minimizing time spent on transactions and administrative tasks.

The Social Handshake

Seed Round in 2022
The Social Handshake connects employers, employees and charities through Payroll Giving.

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
Under the “buy now pay later” business model, Wibond is a 100% flexible digital payment method to pay in installments and without a card. It provides financial access to a large community offering payment options according to the possibilities and the profile of each user. - Companies increase their sales by approaching a new user community and offering an innovative payment alternative. - Users access a universe of stores and businesses to be able to pay in installments without a card. The platform sets out an ambitious vision and seeks to promote trade in Latin America, a very complex region. Their next steps include landing in Chile and Mexico. Wibond was founded in Argentina in 2020 by Ezequiel Bucai and Alejandro Silvestre. In 2013 they created a platform where users accessed a network of more than 2,500 gyms and sports centers located in 30 cities in Argentina, Mexico and Chile. Then Classpass, the US Unicorn, acquired Clickypass.

Yoco

Series C in 2021
Yoco Technologies (Pty) Ltd. is a South African technology company based in Cape Town that focuses on providing a seamless mobile point-of-sale experience for small businesses and entrepreneurs. By creating a unified platform, Yoco enables businesses to accept secure payments both online and in-person, while simplifying operational processes. The company offers a diverse product ecosystem that includes payment solutions, lending options, and business management software. It serves over 300,000 small businesses, processing billions of dollars annually, and aims to enhance the commerce experience for both buyers and sellers by minimizing time spent on transactions and administrative tasks.

BUX

Series C in 2021
BUX is a fintech company founded in 2014 and headquartered in Amsterdam, Noord-Holland. It specializes in developing mobile applications that facilitate commission-free investing, making financial markets more accessible and affordable for both new and experienced investors. The company’s platform allows users to invest in stocks, exchange-traded funds (ETFs), and real cryptocurrencies without incurring transaction fees. By reducing the barriers to entry in the investment space, BUX aims to empower individuals to engage with financial markets more intuitively and conveniently.

Meniga

Venture Round in 2021
Meniga Ltd is a company that specializes in developing white-label digital banking solutions aimed at enhancing personal finance management. Founded in 2013 and based in London, the company provides a range of services including data aggregation, automated real-time notifications, predictive analytics, and personalized customer engagement. Meniga's platform also offers marketing products that feature card-linked offers and consumer data analytics, helping banks and businesses better understand their customers' financial behaviors. By focusing on advanced data consolidation and meaningful customer interactions, Meniga aims to improve the online and mobile banking experience for financial institutions, ultimately fostering stronger customer relationships and creating new revenue opportunities.

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 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

Corporate Round in 2020
Meniga Ltd is a company that specializes in developing white-label digital banking solutions aimed at enhancing personal finance management. Founded in 2013 and based in London, the company provides a range of services including data aggregation, automated real-time notifications, predictive analytics, and personalized customer engagement. Meniga's platform also offers marketing products that feature card-linked offers and consumer data analytics, helping banks and businesses better understand their customers' financial behaviors. By focusing on advanced data consolidation and meaningful customer interactions, Meniga aims to improve the online and mobile banking experience for financial institutions, ultimately fostering stronger customer relationships and creating new revenue opportunities.

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 headquartered in Amsterdam, Noord-Holland. It specializes in developing mobile applications that facilitate commission-free investing, making financial markets more accessible and affordable for both new and experienced investors. The company’s platform allows users to invest in stocks, exchange-traded funds (ETFs), and real cryptocurrencies without incurring transaction fees. By reducing the barriers to entry in the investment space, BUX aims to empower individuals to engage with financial markets more intuitively and conveniently.

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. By connecting investors with entrepreneurs, Lendahand facilitates loan funding that enables businesses in developing countries to grow and thrive. Investors have the opportunity to earn a profit while contributing to social and sustainable development, thereby playing a role in poverty eradication. The platform is designed to provide a mutually beneficial relationship where entrepreneurs receive the necessary financial support for their projects, and investors receive their funds back with interest.

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 (Pty) Ltd. is a South African technology company based in Cape Town that focuses on providing a seamless mobile point-of-sale experience for small businesses and entrepreneurs. By creating a unified platform, Yoco enables businesses to accept secure payments both online and in-person, while simplifying operational processes. The company offers a diverse product ecosystem that includes payment solutions, lending options, and business management software. It serves over 300,000 small businesses, processing billions of dollars annually, and aims to enhance the commerce experience for both buyers and sellers by minimizing time spent on transactions and administrative tasks.

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 headquartered in Amsterdam, Noord-Holland. It specializes in developing mobile applications that facilitate commission-free investing, making financial markets more accessible and affordable for both new and experienced investors. The company’s platform allows users to invest in stocks, exchange-traded funds (ETFs), and real cryptocurrencies without incurring transaction fees. By reducing the barriers to entry in the investment space, BUX aims to empower individuals to engage with financial markets more intuitively and conveniently.

Meniga

Venture Round in 2017
Meniga Ltd is a company that specializes in developing white-label digital banking solutions aimed at enhancing personal finance management. Founded in 2013 and based in London, the company provides a range of services including data aggregation, automated real-time notifications, predictive analytics, and personalized customer engagement. Meniga's platform also offers marketing products that feature card-linked offers and consumer data analytics, helping banks and businesses better understand their customers' financial behaviors. By focusing on advanced data consolidation and meaningful customer interactions, Meniga aims to improve the online and mobile banking experience for financial institutions, ultimately fostering stronger customer relationships and creating new revenue opportunities.

Yoco

Series A in 2017
Yoco Technologies (Pty) Ltd. is a South African technology company based in Cape Town that focuses on providing a seamless mobile point-of-sale experience for small businesses and entrepreneurs. By creating a unified platform, Yoco enables businesses to accept secure payments both online and in-person, while simplifying operational processes. The company offers a diverse product ecosystem that includes payment solutions, lending options, and business management software. It serves over 300,000 small businesses, processing billions of dollars annually, and aims to enhance the commerce experience for both buyers and sellers by minimizing time spent on transactions and administrative tasks.

FiveDegrees

Venture Round in 2016
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

Venture Round in 2016
Meniga Ltd is a company that specializes in developing white-label digital banking solutions aimed at enhancing personal finance management. Founded in 2013 and based in London, the company provides a range of services including data aggregation, automated real-time notifications, predictive analytics, and personalized customer engagement. Meniga's platform also offers marketing products that feature card-linked offers and consumer data analytics, helping banks and businesses better understand their customers' financial behaviors. By focusing on advanced data consolidation and meaningful customer interactions, Meniga aims to improve the online and mobile banking experience for financial institutions, ultimately fostering stronger customer relationships and creating new revenue opportunities.

Ancoa Software

Series A in 2015
Ancoa Software is a financial software company that provides contextual surveillance and analytics for exchanges, regulators, and buy- and sell-side firms. Its surveillance platform helps firms take control of their regulatory, reputational, and operational risks across markets, functions, and asset classes. It provides its users with visibility over trading patterns to develop market integrity. Ancoa helps reduce and manage risks of potential insider and wash trading, front-running, and market manipulation practices.

8 Securities

Series B in 2014
8 Securities offered mobile-only investing, a robo-advisory service, a social trading platform, and zero-commission brokerage. Through the platform, members will be able to follow the investment portfolios of top-performing members of the community and learn what they are buying, selling, and holding. They will also see where their own performance ranks.

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 offered mobile-only investing, a robo-advisory service, a social trading platform, and zero-commission brokerage. Through the platform, members will be able to follow the investment portfolios of top-performing members of the community and learn what they are buying, selling, and holding. They will also see where their own performance ranks.

8 Securities

Series A in 2012
8 Securities offered mobile-only investing, a robo-advisory service, a social trading platform, and zero-commission brokerage. Through the platform, members will be able to follow the investment portfolios of top-performing members of the community and learn what they are buying, selling, and holding. They will also see where their own performance ranks.

FiveDegrees

Series A in 2011
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

Series B in 2007
Zecco is an online stock brokerage that provides its clients with stock, options, and forex trading services. The company was founded in 2006 with the idea to democratize investing by reducing the friction of transaction costs and giving every investor the opportunity and tools for potential success. Its service portfolio is comprised of low cost stock and options trades, low commission rates, and provision of a comprehensive set of free stock trading tools.
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