Speedinvest Fintech Fund (Si F)

Bitpanda

Bitpanda is the leading European neobroker enabling investment access into a variety of digital asset classes.

https://www.bitpanda.com

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).

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.

Year Invested

2020

Sector

Fintech

open

Open is a business banking service that combines everything from banking to invoicing & automated bookkeeping in one place.

https://www.openmoney.co/

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.

Year Invested

2019

Sector

Fintech

Tide

Tide is the leading SME challenger bank that is redefining business banking for the digital age.

https://www.tide.co/

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.

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

Year Invested

2018

Sector

Fintech

Luko

Luko is reinventing insurance by combining digital, AI and plug&play IoT to keep your home safe.

https://www.luko.eu

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. Launched in May 2018, Luko is the number 1 neoinsurance in France and insures 100,000 homes.

Year Invested

2019

Sector

Fintech

Moove

Africa's 1st mobility Fintech providing revenue-based vehicle financing.

https://moove.africa/

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.

Year Invested

2021

Sector

Fintech

kevin

Evolving traditional card, pay by link, POS, direct debit and online payments

https://www.kevin.eu/

kevin.’s advanced A2A (account-to-account) payment infrastructure solution was created to swiftly change costly card payments to payments linked directly from customers’ bank accounts without using any third-party providers. kevin.’s technology scales to businesses of any size and across industries, including retail, parking, fashion, car-sharing, deliveries, insurance and many more.

kevin. focuses on mobile and POS payments where customers predominantly pay using cards currently. Its payment infrastructure is based on open banking – regulated by the European PSD2 Directive – which requires all banks and financial institutions in the European Economic Area to open their API for licensed third-party providers. kevin. develops only own connections to the banks without using any third-party aggregators.

Year Invested

2021

Sector

Fintech

FairMoney

FairMoney is an online Microbank in emerging markets and a credit methodology based on smartphone data.

https://www.fairmoney.ai/

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 an mobile application.

Year Invested

2018

Sector

Fintech

ShopUp

ShopUp is Bangladesh's leading full-stack B2B marketplace for SMEs.

https://shopup.com.bd/

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.

Year Invested

2020

Sector

Fintech

Marketplaces & Consumer

Wayflyer

Wayflyer is a revenue-based financing option for e-commerce brands.

https://www.wayflyer.com/

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.

Year Invested

2020

Sector

Fintech

Afilio

Afilio offers legal and financial protection for individuals and businesses.

https://www.afilio.de/

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.

Year Invested

2021

Sector

Fintech

+ Simple

Digital insurance provider for SME’s. +Simple’s platform provides brokers and agents with a streamlined process to sell commercial insurance policies as well as catering to SME’s specialized needs directly.

https://www.plussimple.fr/

+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.

Year Invested

2020

Sector

Fintech

Flowdesk

Flowdesk is building a financial infrastructure that allows web3 token issuers to manage their liquidity actively through Market-Making as a Service.

https://flowdesk.co/

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.

Year Invested

2022

Sector

Fintech

Lummo

Digital cashbook for small and medium enterprises.

https://www.lummoshop.co.id/

Lummo is bringing Indonesian merchants and SME’s online through their digital accounting software. 91% of Indonesian SME’s still use paper-based bookkeeping and memory-based personal credit management. They have no possibility of accepting digital payments or recording their day-to-day financial transactions in a seamless and efficient manner. Lummo enables this functionality for them through their mobile application.

The solution is an all-encompassing ecosystem for sales and expense tracking, performance reporting, loan record functionality and general accounting with a vision to eventually become a full-stack digital bank for merchants. Through their application and broader company vision, Lummo is bringing a market of 50M SME’s into the 21st century and spearheading financial inclusion in Indonesia.

Year Invested

2020

Sector

Fintech

ready2order

Cloud-based point-of-sale solution that transforms every smartphone, tablet and PC into a fully functional cash register.

https://ready2order.com/en/

ready2order 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.

Year Invested

2019

Sector

Fintech

Toqio

The Toqio platform lets companies create and launch their own fully branded banking or finance solutions as an app or on the web.

https://toqio.co/

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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Year Invested

2022

Sector

Fintech

EstateGuru

EstateGuru is the leading cross-border platform for short-term property loans in Continental Europe.

https://estateguru.co/

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.

Year Invested

2018

Sector

Fintech

Lemon Way

Lemon Way facilitates complex payments for digital platforms and e-commerce websites.

https://www.lemonway.com/

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.

Year Invested

2018

Sector

Fintech

Factris

Factris provides technology, financing and insurance services focused on helping small and medium sized businesses meet their cash management and financing needs.

https://www.factris.com/

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.

Year Invested

2018

Sector

Fintech

Agro.Club

Two-sided agricultural marketplace with embedded financial services.

https://agro.club/

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.

Year Invested

2020

Sector

Fintech
Marketplaces & Consumer

Bnext

Bnext is a Neobank with an integrated marketplace in which clients can purchase financial and insurance services without having to leave the app.

https://bnext.es/

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.

Year Invested

2016

Sector

Fintech

Invesdor

Invesdor is a pan-European digital investment and financing platform for companies of all life stages, from startups to large corporations.

https://www.invesdor.com/en-gb/

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.

Year Invested

2014

Sector

Fintech

Koin

Koin is a Fintech startup giving customers instant credit and installment payment options for online purchases.

https://www.koin.com.br/

Koin 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 installment 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.

Year Invested

2018

Sector

Fintech

Koalaboox

Koalaboox (acquired by Cegid in 2020) is a one-click invoice financing solution for SMEs, integrated into an easy to use e-invoicing software.

https://www.koalaboox.com/

Koalaboox’ 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.

Koalaboox was acquired by Cegid in 2020.

Year Invested

2019

Sector

Fintech

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Fiat Republic

Fiat Republic provides a purpose-built, fiat-as-a-service platform to solve fiat access challenges for crypto platforms.

https://fiatrepublic.com/

Fiat Republic is on a mission to democratize fiat access for the Web3 economy. Fiat access is a systemic problem for crypto platforms and therefore requires a systemic solution. With our developer-first API, you can easily access everything you need to deliver better fiat experiences to your users and treasury teams.

We’re unlocking and aggregating an ever increasing number of fiat rails with local and global tier-1 banks. Fiat Republic is able to give crypto platforms reliable access to best-in-class fiat products, all via a single API. We have developed a compliance-first approach that minimises friction in the on-ramp and off-ramp fiat-crypto flows. Our technology is augmented by the Fiat Republic Consortium. We’re building a coalition of crypto platforms to create a united voice, enabling us to continually add tier-1 global and local banking partners and have a seat at the table with regulators, to shape and influence the future rules that govern the space.

Year Invested

2021

Sector

Fintech

Octav

Know your cost-basis at all times and make better decisions. We provide tools for sophisticated degen traders.

https://octav.fi/

The all-in-one platform fills major financial information gaps by providing its users with valuable financial data, including cost basis and P&L of all their assets and NFTs on major chains. Investors also have the freedom to easily edit their inaccurate transactions, and manage their portfolio by using in-house tools to interact with the web3 ecosystem, such as buying, selling, claiming or compounding their assets directly on the platform.

Year Invested

2022

Sector

Fintech

SaaS & Infra

EXA Finance

EXA Finance is the most advanced marketplace for NFTs and fungible tokens on Algorand. Enabling new use cases and empowering the next generation of collectors.

https://www.exa.finance/

Incubated by Draper University and backed by prominent VCs, EXA Finance is the most advanced marketplace for NFTs and fungible tokens on Algorand. Enabling new use cases and empowering the next generation of collectors. The platform offers a multitude of features such as assets bundle, NFT to NFT swap, auctions, offers, royalties, and peer-to-peer chat just to name a few. Users can now sell NFTs for any fungible token but also swap an NFT for multiple NFTs, opening a new range of possibilities.

Year Invested

2022

Sector

Fintech

SaaS & Infra

Starton

The most powerful developer suite to build WEB3 applications at scale, simply and fast.

https://www.starton.io/

Created in 2020 by former students of the French programming school 42, Starton enables companies to securely step into the world of blockchain after just a few days of development. It is making the technology accessible to a wider audience so that any developer can transform mainstream applications into blockchain applications. Starton has just been included in Station F’s prestigious Future 40 list that highlights the most promising start-ups for 2022.

Year Invested

2022

Sector

Fintech

SaaS & Infra

OBEY

OBEY is a Hip-hop futures exchange.

https://obeyme.world/

Obey is an investment bank for Hip-hop fans: we sell music Futures. More specifically, Obey is a decentralized exchange to socially trade derivative contracts that speculate on the future streaming performance of Hip-hop songs. We convert Hip-hop into financial derivatives and fans into speculative traders. The format of buying and selling these contracts, modelled as dynamically priced NFTs, is driven by natural behavioral music consumption interactions on Apple Music, realized risk-aversion, and expected cashflows.

Year Invested

2022

Sector

Marketplaces & Consumer

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