Building the future

Bitpanda is transforming the way retail investors trade by enabling access to tokenized digital assets. Through tokenization, Bitpanda is able to offer fractional shares of any asset class, whether these be traditionally liquid (Stocks, Bonds, ETF’s) or illiquid (Real Estate, Private Equity). The platform currently supports over 30 digital assets including currencies and precious metals (Gold, Silver, Platinum, Palladium).

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Bitpanda’s transparency and accessibility is supported through services like 24/7 trading, real-time settlement, no minimum fees and cross-platform compatibility (iOS, Android, desktop). With a vision to become Europe’s leading Neobroker, Bitpanda is rapidly expanding its platform across countries and asset classes.

Open is a business banking platform that combines everything from invoicing to banking, payroll and automated accounting in one place. It also offers the best of the classic banking services like (internet banking, cheque books, Debit card) along with these additional features.

Wayflyer is able to merge performance marketing with financial performance. The analytics are free of charge and are continuously adjusted in order to help e-commerce shops improve their ROAS (Return on Advertising Spend). Businesses with financing needs are able to finance up to EUR 500k on their marketing spending.

Tide was founded in 2015 to fill in a huge gap in the market; SMEs are significantly underserved by traditional financial institutions who offer high cost, one-size-fits-all products that focus on enterprise client needs. Exacerbated by tighter regulation post 2008 financial crisis and enabled by the proliferation of digital, Tide is redefining business banking through a digital-first, hassle-free proposition that addresses the holistic needs of SMEs.

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Following a platform approach, Tide is focused on building automation on all admin-related functionality while partnering with best in class fintech companies to offer a fully fledged banking experience, including payment acceptance, FX, credit and many more services such as employee expense management

Moove embeds its alternative credit-scoring technology into ride-hailing and e-logistics platforms, which allows access to the proprietary performance and revenue analytics of mobility entrepreneurs to underwrite loans. Moove’s model is to provide loans to its customers by selling them new vehicles and financing up to 95 percent of the purchase within five days of signup. This data then empowers Moove to offer a wide range of other relevant financial products to their users.

FairMoney leverages big data to give access to credit to 2 billion people in emerging markets across the world. Consumers and businesses in these markets often suffer from missing access to credit. FairMoney uses advanced machine learning applied to smartphone data to build credit scores and distribute credit through any mobile application.

+Simple is the leading digital insurance provider for SME’s in France. By integrating with the +Simple platform, either as a white-label or native solution, brokers and agents in the commercial insurance space are able to quickly and efficiently quote, bind and issue policies to their business clients. Using +Simple’s technology and carrier network, intermediaries are able to easily build modular products tailored to merchants’ highly specialized coverage needs. Through their online portal digitally native businesses are able to get a comprehensive and bespoke policy in a matter of minutes. The technology stack provides much-needed simplicity, transparency and trust directly to the SME client. By working directly with insurance carriers, brokers / agents, and SME’s alike +Simple is involved with all major players in the value chain streamlining the entire commercial insurance process throughout.

In a context of exponential growth of token issuers in the web3 space, Flowdesk is building an infrastructure to help them tackle their financial needs with a more transparent and controlled approach.

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Flowdesk has built a scalable infrastructure that connects crypto-exchanges to innovative products, such as Market-Making as a Service (MMaaS). MMaaS is radically different than traditional liquidity provisions where issuers fully own their liquidity and can control the strategy according to their needs.

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To support their vision of scalable and regulated market-making in crypto, Flowdesk offers banking-grade compliance and stringent procedures to guarantee they always work in the best interests of issuers.

Agro.Club is the commercial effectiveness platform that connects input suppliers and grain buyers with farmers using the latest digital commerce and fintech solutions. Platform is currently used by leading global seed, crop protection, animal nutrition and grain companies, and more than 19,000 farmers across Europe and North America.

The Toqio platform lets companies create and launch their own fully branded banking or finance solutions. Everything begins on Toqio’s PCI DSS certified Platform, where clients can create their own stellar banking and financial service solutions. Beyond that, the Development Hub gives companies the ability to incorporate other trusted financial service providers and to develop unique, custom features. Still further, the Toqio Marketplace provides a place to incorporate curated fintech modules into a build, offered by leading financial service providers. Companies can even share and monetize modules they’ve created!

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Lemon Way is a Pan-European Fintech startup dedicated to Crowdfunding platforms, e-commerce marketplaces and other companies looking for payment processing, wallet management and third-party payment in a KYC/AML-regulated framework. Lemonway’s technology solution and associated services enable banks to benefit from a very powerful real-time payment account management tool.

Afilio provides families with a centralized location to create and consolidate personal estate management, legal, financial, and retirement planning. The company was founded by Till Oltmanns, Philip Harms, and Richard Musiol and is headquartered in Berlin.

Through a technology-enabled platform, EstateGuru connects borrowers and lenders and enables fast, transparent and cost-effective funding solutions. The company aims to become the largest real estate financing platform in Europe.

Factris provides asset based financing, mostly using outstanding invoices as collateral to improve client cash flow and working capital.
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The company works directly with businesses or via financial intermediaries or entrepreneurial brokers to deliver its services in a quick, friendly manner at the lowest cost.

At its core, ShopUp enables offline and online neighborhood mom-and-pop shops to sell through digital, social and retail channels. They do so, however, in such a way that they are deeply integrated at every section of the value chain. ShopUp's onlne platform allows merchants to upload their products, connect to both retailers and consumers, easily and cost-efficiently sell their products, as well as get access to cheap and sustainable credit. ShopUp's platform provides a full ecosystem for Bangladeshi store-owners and entrepreneurs.

Bnext has been able to outperform existing Neobanks in Spain (one of the toughest markets – 2nd most banked market in the world), due to a better market dynamics understanding and the fact that they were able to offer a complete banking experience from day one. Bnext has +120k active clients in Spain.

And that is exactly Bnext’s USP! Due to the fact that they “outsource” banking functionalities (lending, investing, transfers, insurance etc.) to other financial institutions, they offer a full banking experience from day one.

Invesdor Group combines the leading digital equity funding platform in the Nordics, Invesdor, and the leading digital mid-size (“Mittelstand”) financier in the German speaking countries, Finnest. The service portfolio spans from equity investments, bonds, IPO’s, syndicated loans, mezzanine capital and promissory notes to other debt capital instruments. Financing volumes typically range from EUR 250,000 to EUR 25m. Over the last years the combined and accumulated investments on the legacy platforms have doubled every year, currently totalling at more than EUR 130m.

Invesdor Group holds a MiFID license passported to 28 European countries, which was granted to Invesdor in April 2015, making it the first such platform to receive this licence. The Group has a base of over 50,000 registered private and institutional investors from 150 countries.

Koin (acquired by Despegar in 2020) is the only provider of after-delivery payment solutions in Latin America. The company offers safe and easy-to-use payment solutions to e-commerce shops that let buyers make purchases online and pay later. Koin offers online credit and instalment payment options to users with no need to fill out a registration or provide financial information. Their service helps e-commerce attract new buyer groups that previously have not been able to make payments online.

Koalaboox's (acquired by Cegid in 2020) e-invoicing Software as a Service helps SMEs simplify their daily invoicing and accounting processes through tracking of revenues, expenses and payments. Additionally, it offers a one-click invoice financing solution built into the platform, allowing clients to fund invoices and solve their working capital needs.

ready2order (acquired by Zucchetti Group in 2023) offers a multi-award winning, cloud-based point-of-sale solution that transforms every smartphone, tablet and PC into a fully functional cash register. Companies that use ready2order have access to a range of awesome tools that are more powerful and easier to use than enterprise systems – but only for a fraction of the cost.

Launched in May 2018, and acquired by Admiral Group in 2023, Luko’s revolutionary home insurance is simple: customers get covered in 2 minutes, claims paid in 2 hours, and repairman’s visit your home in 2 days. Offering a new transparent and responsible model, Luko transforms insurance core business model to align the interests of the tenant and the insurer. The company provides AI and ‘plug&play’ smart devices that monitor consumptions in order to identify and prevent disasters, such as flooding, fire and burglary.