Fintech

Cobee (acquired by Pluxee in 2024) is an employee benefits company that is using new technologies to disrupt the big benefit market that has been traditionally dominated by big incumbent players. All our efforts are focused on making employees feel happy about their benefits, trying to unify the value proposition in an understandable and easy to use formula.

+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.

Ledgy helps companies build cultures of ownership. With Ledgy, companies can manage and automate key equity processes, saving time and money. Meanwhile, employees benefit from rich insights into their ownership, helping the whole team align around the company’s mission.

Founded in Switzerland in 2017, Ledgy serves more than 2,500 customers in over 40 countries around the world.

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Finary is a wealth management platform that provides users with an all-in-one, real-time dashboard of their investments across all asset classes. Finary counts 10,000 banks and investment platforms in Europe and the US connected to its system and covers saving accounts, stocks, crypto, real estate, precious metals, and startup investments overviews. Features such as real-time performance analysis, calculation of hidden costs and automatic identification of new opportunities allow Finary to offer tailor-made asset management that, previously, was only reserved for the wealthy.

Borrowing from text marketing’s incredible reach, and email’s high acquisition powers, Drop allows brands to leverage Instagram direct messages at scale, for the first time, with impactful results like decreased cost-per-acquisition (CPA), increased return-on-ad-spend (ROAS), and ultimately, revenue.

Drop has helped a spectrum of brands and retailers like Ana Luisa, Culture Kings, PANGAIA and Hot Topic in this new journey from follower to customer. From the next-gen, hypergrowth DTC brands to the well-established names, they’ve all experienced a decrease in acquisition costs and boost in growth. Drop’s momentum reveals the eCommerce industry’s shift towards social, headless (not on traditional site) shopping experiences.

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.

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.

finres is revolutionizing decision-making in rural economies. By analyzing past and current trends and extremes in climate using AI and science, the France-based team can accurately predict future climate trends in the wake of global warming and climate change. This information is shared with banks and international organizations, along with measures farmers can take to ensure that their crops, livestock, and livelihoods do not suffer.

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By breaking down the barriers between research and the private sector, Finres is building a bridge between finance and agricultural resilience. The company currently operates in 32 countries across 4 continents and has supported over 1.4 billion worth of investments, with an increase in productivity per hectare of up to 50%.

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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Upvest enables businesses to build great investment experiences, tailored to their customers’ needs. Their single investment API and digital infrastructure – along with the modular design – make it easy and cost-effective to offer customized investment products. It’s all backed by comprehensive support, covering everything from licenses and vendor management to back and middle office.

Rollee is a platform for employment data used by clients across various industries, from fleet management to lending, who are committed to making the fairest decisions with a data-driven approach. They can access through their customers' permission their income, activity, and other employment data points that will help to make more inclusive decisions.

Precium (formerly Revio) is the first African payments platform purpose-built for enterprise.  Industry leaders choose Precium to optimise payment performance, automate financial operations, and craft extraordinary customer experiences.

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Founded in 2020 by Ruaan Botha and Nicole Dunn, Precium aims to combat the impact of payment fragmentation and failure on consumer commerce in African markets. Its unified payments platform offers merchants access to locally-optimised payment methods, with built-in redundancy and routing rules to increase payment success rates. Beyond payment acceptance, Precium offers a suite of configurable payment operations and recovery solutions – such as automated reconciliation, monitoring, and alerting – to help enterprise merchants reduce payment complexity.

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The growing list of Precium customers includes South Africa’s largest retailers and financial institutions, and some of the world’s largest consumer brands. The company partners with its clients to deliver payment solutions that enable quantifiable business value with the scalability, reliability, and flexibility required for high-volume processing.

Tuum's mission is to set banks free by enabling them to quickly and safely replace their legacy systems, reducing their maintenance costs, and unlocking new opportunities to adapt and prosper in the digital age.

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By employing a smart migration approach, Tuum aids banks in moving off their current systems, with clients typically going live within just seven months. Once operational, Tuum's system empowers banks to effortlessly launch new products and enter new market verticals. Providing more than just core functionality, Tuum allows banks to operate multiple business lines from a single system, including accounts, lending, payments, and cards. Beyond this, banks can expand their capabilities through access to a pre-configured ecosystem of partner solutions. Tuum also facilitates business transformation. Its Business Builder enables banks to precisely configure their operating, sourcing, and distribution models, launching unique models that capitalize on the digital revolution.

One Trading, formerly Bitpanda Pro, is a European digital asset exchange made for experienced traders, finance professionals and institutions. Safe, regulated and intuitive, they offer over 50 tokens to deliver deep EUR, GBP and CHF liquidity at a competitive rate. As well as their high performance spot exchange, they also have an OTC desk.

Despite merchants and micro-SMEs forming the pillars on which West African economies stand, these businesses have been overwhelmingly ignored and neglected by mobile-based financial service providers. Ozé helps capture, analyze and improve the performance of business owners in Ghana and Nigeria with the ambition to become a pan-African player.

Through their digital accounting system, which enables users to keep track of their records, AR and AP and get access to credit, Ozé users are able to operate like large businesses and, therefore, empowers micro-SMEs to grow and scale far beyond their current reach. Having partnered with the region’s biggest banks, SME banks and local fintechs, Ozé is able to provide its users with products from traditional financial institutions but with the seamless interface and usability of a social media platform.

Receeve is turning the current way of collecting debt upside down, by using AI to provide personalized collections and replace the outdated process of lenders using phone calls or letters to reach indebted clients. With Receeve, firms can communicate with their customers digitally, on any device, and customers have the option of self-service to manage their issues. The platform covers the entire collections lifecycle from managing receivables to servicing NPL portfolios.

Candis makes workflows intelligent using an artificial intelligence tool that helps companies automate repetitive bookkeeping processes such as categorizing different invoices. The software can collect and handle invoices automatically and make sure everybody is paid on time, saving 80% of manual work. CANDIS also offers a special service for tax accountants facilitating the collaboration with clients and automating certain processes.

Unstoppable Finance empowers everyone to access the world of Decentralized Finance by providing a user-friendly “front door” to crypto trading, high-yield DeFi investing opportunities, NFT art & collectibles and other Web3 services, all bundled into an intuitive mobile application.

The Ultimate product is a consumer-grade, non-custodial crypto wallet allowing people to easily track, discover, invest in, and store a wide variety of on-chain assets. Our thesis is that the super apps of tomorrow will be non-custodial DeFi wallets that have the potential to contain your entire digital identity.

TaxScouts was founded in late 2017 to simplify the experience of tax assessment and filing. With an increasing amount of people experiencing non-standard income and with late fines in the UK amounting to billions in one tax season alone, TaxScouts is seeking to redefine the experience of preparing and filing personal income tax to make it seamless for everyone.

TaxScouts is building the layer of automation required to be able to calculate, assess and reliably file personal income tax for non-standard incomes including professional freelancers, landlords, high earners and more.

Vitt lets customers both onboard onto Goldman Sachs Money Market Funds, while also offering customers tools to manage and execute their day-to-day treasury management.

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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.

Rho Labs, built Rho Protocol, an on-chain, non-custodial interest rate futures and swaps market and launched it in November 2023.  The venue, custom-built for rates derivatives, seeks to combine transparency and efficiency of zero-counterparty risk on-chain trading, where collateral and risk are managed entirely on the blockchain, with the familiar experience and accessibility of centralized exchanges.

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Interest Rate Derivatives represent the largest asset class in traditional finance with over $500T in outstanding interest. Rho’s ultimate goal is to introduce this market to the advantages of on-chain trading while offering crypto traders the opportunity to trade the most prominent rates in the ecosystem, as enjoyed by participants of TradFi markets.

Palm is a financial technology company created to streamline cash management for enterprise treasury teams. 

Built with enterprise-grade security and controls, the company’s Treasury Operating System provides corporate treasurers with the data and advisory to quickly understand and free up operational cash and automate workflows for forecasting and cash positioning.

Accounting software can't pay your bills. Banks don't know which bills to pay. Nook integrates both to give you payment perfection.

Established in 2022, Due is a London-based fintech startup with a vision to reshape international payments through blockchain and stablecoin innovations. The company provides borderless multi-currency accounts, global transfers / remittances and merchant acquiring for individuals and businesses.

Due built its platform on top of public blockchains, leveraging stablecoin liquidity markets across Europe, US, LatAm and Africa to enable accessible, fast, and cheap international money movements for clients around the world. Due’s platform is non-custodial, meaning the clients always have full control of, and direct access to, their assets on public blockchains without the involvement of intermediaries.

Julaya is a B2B digital account that enables companies to send and collect payments seamlessly through a digital account. With the Julaya platform, SME’s, large corporates and government institutions can make bulk payments through all mobile money channels, process their travel or online expenses with a corporate prepaid card, easily import all transactions into their accounting system, and digitize cash collection.

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.

Founded by cyber experts and actuaries – Cyberwrite delivers a cyber insurance underwriting solution for the growing SMB cyber insurance market.

Cyberwrites helps insurers who lack the analytics technology and actuarial data needed for SMB and SME cyber underwriting. These insurers otherwise assume high risk services estimated to reach over $1T annually.

Cyberwrite has offices in San Francisco and in Tel Aviv, and graduated from 500Startups, Plug and Play, and Citi Accelerator. The company is working with several large customers and is backed by SpeedInvest and prominent insurance and cyber security angel investors.

Fairplay is a revenue-based financing enabler for the new digital economy in Latin America with the mission to empower entrepreneurs’ growth with a fast, flexible and friendly product by investing in their working capital cycles directly through their three main needs: performance marketing campaigns, logistics costs and inventories. 

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For fast-growing e-commerce businesses, Fairplay offers growth capital funding in exchange for a steady revenue share of their earnings until capital is paid back plus a flat fee.

Today, most retail investors take a passive approach to investing by investing in ETFs or working directly with an advisor. As a result, they may lose out on their chance to align their investment strategy with their views. We started Tulipshare with a simple idea: Empower retail investors to invest their money so as to promote ethical change. Through our platform, we enable retail investors to invest in activist campaigns to change publicly traded companies from the inside. We then unify their investing power with other like-minded investors and seek to make their voice heard by big business.

OnIt, a licensed bank in Kenya, offers a free transaction network linking consumers, businesses, and suppliers, enhanced with services like check-out finance, premium financial products, and open APIs for easy consumer integration.

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.

Helu's core functionality focuses on automatically turning bookings-level data into financial reports and streamlining the processes of budgeting, controlling, and reporting into a seamless process.  Helu can be used by any company that uses DATEV - directly or indirectly via the tax consultant.

Pemo is a UAE-based startup on a mission to empower small and medium-sized enterprises (SMEs) across the Middle East, North Africa and Pakistan (MENAP) region by offering an all-in-one spend management platform that includes prepaid corporate cards, invoice payment systems and expense tracking functions.

The company aims to remove friction in day-to-day spending processes, allowing businesses to entrust their teams to make quicker and more responsible purchasing decisions. In addition to accounting automation, virtual and physical cards with built-in rules and the consolidation of inbound invoices, Pemo’s software offers an integrated dashboard with full visibility over company spending and real-time tracking and reporting options.

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.

Tulyp enhances the value for small and medium-sized businesses by enabling faster, more secure international deal closings beyond traditional processes, mitigating risks in import-export transactions – such as counterparty and document fraud risks – and ensuring secure and transparent payment terms that protect both buyers and sellers.

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Tulyp also collaborates with global financing companies to alleviate cash flow problems, reducing financial risks and accelerating import-export transactions by providing a one-stop shop that consolidates all necessary services, streamlining the entire process for SMEs engaged in international trade.

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.

Plural AI has built an AI-powered Knowledge Workbench that helps you aggregate and organize all your information, to generate complex insights. The platform improves your research workflows and helps you make better investment decisions. Plural AI is setting the standard in knowledge work augmentation and workflow automation; the company aims to redefine the way people search, interact, and manipulate data at scale. The long term vision is to become the default interface for knowledge work, enabling business users to access complex data science without knowing how to code.

Morgana takes a customer-centric approach to processing mortgage applications in Mexico, from compiling data at the client and property level to aggregating data on mortgages. Morgana holds the fastest mortgage process in the market, from application to signature with notaries in 9 days. By acquiring clients directly or working in partnership with several builders and realtors, Morgana is reshaping the mortgage industry.

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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.

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.

Thanks to our heavily curated datasets, we deploy deep learning methods to train models of natural language as it manifests on trading desks. This has resulted in production grade software that can extract both explicit and latent counter-party trading intentions with unprecedented accuracy. Our software turns trading desk into data driven functions, unlocking next generation CRM tools while automating human centric elements in the life cycle of a trade.

Flow48 offers revenue-based financing to online and offline businesses. By embedding in the customer’s payment gateway, they can offer businesses upfront lump-sum investment capital to invest in inventory or CAPEX and generate future revenues.

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.

Abhi is reshaping how credit is accessed in emerging markets. There are millions of individuals who have never been able to access any credit or financial services in Pakistan. With a focus on sustainability, affordability and transparency, Abhi's flagship product Earned Wage Access (EWA) is helping the underserved access their earned salaries on demand. The ethos of Abhi is to help customers in building good financial practices and supporting them throughout their financial journey.

Khazna is a financial benefits platform that provides employees, labor, and contractors access to financial services. Starting with a lending and salary on demand offering, Khazna wants to become the go-to solution for any Egyptian when it comes to banking and lending solutions.

Marketplaces need a scalable banking solution for conducting a high amount of outgoing payments. With Telleroo, businesses can send instant bank transfers directly from their back-end through a fully compliant payment API. They can move money towards any third-party bank account. To direct funds into Telleroo, they can plug in their payment provider of choice.

Amodo (acquired by Cambridge Mobile Telematics in 2023) is a customer engagement and powerful analytics technology combined in one. Amodo enables insurance companies, digital brokers and adjacent industries to market new products and services and engage users through smartphones. As value for customers rise, insurance businesses thrive.

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.

consola.finance (acquired by Request Finance in 2024) is on a mission to bring clarity and control to companies’ crypto finances with the first human-readable block(chain) explorer with dedicated finance, accounting, bookkeeping and reporting tooling. consola.finance automates crypto finance processes, saves valuable time, reduces human errors and gives companies the opportunity to make better decisions.

Lizza is building the operating system for social commerce businesses. Through its suite of products and services, including payments, shipping, marketing, and messaging, Lizza enables businesses to sell to their audience directly on social platforms like Instagram.

Credi2 develops and operates “Buy now, pay later” payment solutions (BNPL) for banks, financial service providers, trading companies and their end customers. An important success factor is the [credi2] technology platform, which can handle all processes fully automatically. With this platform individual and user-friendly financing solutions are implemented - together with customers such as Apple, Volkswagen Bank and Raiffeisen Bank International. The best known are cashpresso and FINANCE A BIKE.

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Investly is an invoice discounting platform that allows SMEs to sell their invoices to investors, thereby increasing working capital. Invoices are sold in reverse auctions where investors place bids to ensure the best prices for merchants. The bidding system allows investors to earn above average returns. Investly’s service helps established businesses take on more customers, speed up their production process, and avoid seasonal cash flow gaps.

FinCompare (acquired by VAD Beteiligungen GmbH in 2021) is a comparison platform for financing options aimed at small and medium-sized enterprises (SMEs) seeking funding starting at 10,000 €. Via the online platform, businesses can access a wide range of financing options. Companies can independently compare offers from over 200 well-known banks, fintechs, and financial services providers and close on the financing. In addition to the usual corporate loans, FinCompare offers alternative financing solutions such as factoring, and leasing.

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.

Iyzico (acquired by PayU in 2019) is Turkey’s leading ePayment company offering businesses easy solutions to accept payments online. The platform is tailored to the needs of the local market and integrates with over 22 different payment options and banks. Customers appreciate the easy setup process and features such as recurring payments and Iyzico’s marketplace solution.

Holvi (acquired by BBVA) is a digital banking solution and payment institution for European entrepreneurs, sole traders and business owners. With Holvi, SME’s can sell products online, send invoices, and track cashflow in real time. The platform offers a current account with its own IBAN number designed to help customers manage all their finances on one platform. Holvi is the world’s first financial hub operating with its own Payment Institution Licence authorised for operations across Europe by the Financial Supervisory Authority of Finland (FIN-FSA).

Founded in Helsinki, Finland in 2011, the company was acquired in 2016 by BBVA.

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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.

Payworks (acquired by VISA) was the provider of Pulse, a next generation Point of Sale payment gateway technology. With Pulse, developers of Point of Sale solutions for merchants can quickly and cost-efficiently integrate card payment functionality into their applications, and securely process EMV; contactless and mobile wallet transactions at the Point of Sale.

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.

Wikifolio is an online platform that allows day traders to publish their portfolios for other traders to access and invest. Investment bankers and hobby-traders alike can use this app to connect and evolve. The “wikifolios” turn portfolios created on the platform into fully-fledged financial products which are then listed on the stock exchange Börse Stuttgart. Each trade, including execution price and fees, is updated in real-time on Wikifolio and partner sites to give the user clarity over the movements in the market. Some of Wikifolio’s certificates have been consecutively included in the top 10 most-traded products in their category of the Stuttgart Stock Exchange (EUWAX) in 2017.

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.

Evolve with compliance. The award-winning ClauseMatch policy management, regulatory change management and compliance SaaS platform automates time-sucking tasks, organizes your data and makes collaboration and knowledge-sharing a breeze.

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Friday Finance (acquired by Pliant in 2023) is the next-generation financial operations platform for startups and SMEs that puts all bank accounts and financial data into one place and helps them streamline and automate mundane tasks. It provides real-time insights into a business's cash flows and offers finance professionals better workflows for bill payments, approvals and the month-end close.

Rive is a PropTech startup and the leading iBuyer in Europe providing instant offers for apartment owners. They have developed a highly accurate AI-powered real estate data platform and revolutionary service concept redefining how people sell and buy homes. They use technology to quickly purchase homes from sellers who desire convenience and speed.

Grandhood (acquired by Velliv in 2020) is the first company worldwide to offer an occupational pension based on the needs of small businesses. It stands out with its simplicity and applicability apart from large-scale enterprises.