These are the Top Fintech (Financial Technology) Companies in Estonia (2021)

Veriff

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Veriff is an online identity verification company that protects businesses and their customers from online identity fraud. It is the highly-automated identity verification platform connecting companies with honest customers.

Veriff makes it easy to connect with people to trust. With the combined forces of machine learning and eagle-eyed specialists, Veriff is always two steps ahead of digital fraud.

AI speeds up sessions with immediate feedback, while manual checks by their verification gurus nip risks in the bud. Veriff was founded in 2015 and is headquartered in Tallinn, Estonia..

Crypterium

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Crypterium mobile app allows instant payments in cryptocurrency. Whatever you can do with your money, you can now do with your crypto.

EstateGuru

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EstateGuru is a cross-border marketplace for short-term and mid-term property loans in Continental Europe.

PlasmaPay

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PlasmaPay is a global payment and remittance platform for people and digital business. Here you can securely store crypto and fiat currency, buy and exchange popular digital assets, make and receive payments, build your own payment network with zero-fee transactions.

Cryptocurrency has a strong opportunity to become stable and independent digital money for the global peer-to-peer economy. We believe in the potential of Cryptocurrency, Asset-Backed Tokens and Blockchain technology to have a significant, positive global economic impact.

Our mission is to create an open financial platform for the world to unlock the full potential of new blockchain technologies.. .

Bondora

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Bondora was founded over 11 years ago in the height of the global financial crisis. This was a time when the world was in need of fair finance and a technological revolution.

Today, Bondora has served over 120,000 customers who’ve earned more than €40M in interest. We make sure everyone can access the world of investing and earn a reliable net return, without all the complexities..

Modularbank

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Modularbank is a cloud-native banking platform that allows to establish a new banking business or digitally transform an existing one. The platform builds next-generation banking experiences both in the retail and business banking landscape.

Its API based banking platform follows the microservice architecture and is composed of flexible and independent modules that cover end-to-end everyday banking processes. Modularbank also offers sophisticated and flexible modular-based banking not just to existing banks and challenger banks, but to any business wishing to quickly roll out tailored financial services to their customers.

It was founded in 2018 and is based in Tallinn, Estonia.. .

Xolo

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Xolo is focusing on 40 million professionals globally who have chosen to run their business independently. Its aim is to reduce time spent on business administration to near zero by offering an incredibly simple online platform that merges company formation, banking, accounting, and other services.

Xolo is the quickest and easiest way to launch and run a one-person freelancing business in Europe. Its largest markets are Germany, Spain, France, the UK, Ukraine, and Turkey.

Xolo’s typical customers are software developers, management consultants, designers, or other independent professionals.. .

CoinMetro

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CoinMetro is a financial platform fueling the future of blockchain innovation.

Salv

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Salv is revolutionising the financial compliance sector with smart technology.

Raison

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RAISON app solves the issue of unmet demand for next-generation financial products. Our platform aims to democratize the investment process by offering lower barriers to entry for clients with deferent capital levels.

Our team has developed a fully compliant legal structure for tokenisation of large-cap private companies shares. Currently, our users can purchase a token tied to economic interest in Robinhood with entry ticket as low as 100 EUR.

The portfolio of offered companies is going to expand in the foreseeable future with Udemy, Revolut, Coursera, Klenty, Kraken and more.. .

CoinLoan

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The Most Advanced Crypto Lending Platform.

BITLEVEX

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BITLEVEX is a next-generation cryptocurrency exchange with groundbreaking technology and a wide range of instruments. The mission of the exchange is to create a universal gateway into the crypto world for every human being.

BITLEVEX is the first crypto exchange to offer cryptocurrency options for any digital assets users have through the platform. Users get the unique ability to hedge volatility risks of most of the liquid digital assets.

Additionally, traders will be able to earn on volatile market moves without actually holding any cryptocurrencies. This ability improves the risk-reward ratio of their portfolios, and it lets platform users become far more successful in their trading endeavors.

Users of the BITLEVEX platform will be able to take part in the cryptocurrency market with very minimal financial exposure and a high potential rate of returns. Additionally, BITLEVEX will be the first platform to allow users the opportunity to create their own Exchange-Traded Products (ETPs).

Lenders can create these collateral-based ETPs based on their portfolios and sell them to other interested traders.. .

askRobin

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AskRobin is a credit marketplace for underbanked in Latin America

KICK ECOSYSTEM

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KICK ECOSYSTEM is a one-stop shop for crypto society, based on three fundamental functionalities: B2B-decentralized digital asset exchange, fundraising platform and a payment acquirer. It’s designed to be operated by governments and serious, legal, regulated businesses, The ECOSYSTEM stands against anonymity and anarchy, striving to make the whole cryptocurrency industry transparent, regulated and protected.

For customers, KICK ECOSYSTEM is a Magic Wand, instantly handling and smoothly performing any of their requests due to the availability of all necessary instruments, without the need to search for them somewhere else.. .

Montonio Finance

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Montonio is a PoS financing aggregator which utilises open banking to make credit more efficient and transparent. Its software makes it convenient to apply for hire purchase on the web and in the shop and enables businesses to reduce lost sales, save service time, and speed up the on-demand application process.

Montonio was founded late 2018 and is headquartered in Tallinn, Estonia.. .

SPARQ

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Community-based Personal Finance Platform

Envoy Group

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Envoy uses blockchain technologies to bring massive efficiencies to global supply chain and trade finance. Built on enterprise software firm R3’s Corda blockchain platform, Envoy accelerates the $17 trillion annual global trade flows in to the digital age by reducing inefficiencies and injecting vital once unattainable liquidity.

It is designed to integrate seamlessly with legacy data systems and all third party blockchains, enabling buyers and sellers, to manage global trade logistics, and to find new funding sources supported as result of trust. This “trustless” nature of smart contracts built on blockchain technologies are perfectly suited to automate many of the core workflows of global trade as well as using the stellar based NVOY token for instant tokenised cross border payments..

CoinCasso

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1. We are the first project which is holistic, which means implementing solutions on a few business layers regarding the cryptocurrency solutions to make using easier for our users.

2. 80% of the exchange fees go to our club members – after launching CoinCasso Exchange 2.0 3.

Our project is fully democratic – we build the project for users and with users.. .

Quppy

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Quppy provides all kinds of financial services with both crypto and fiat assets for legal entities and individuals. Quppy gathers all these services within one user-friendly decentralized application.

The Quppy philosophy is the adaptation of e-money to any customer financial needs. In heart of the Quppy application, the e-money becomes an engine for convenient payments.

Thus Quppy serves the company everyday needs as far as those of individual users and is an attractive facility for merchants who want adopt their businesses to the e-money reality. Having all the necessary licenses, Quppy can easily operate all over the world..

AASA Global

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Aasa Global is an international financial technology company established in 2011 which offers credit solutions to consumers and small-to medium sized businesses. Aasa group, that operates in Estonia, Poland, Finland, Sweden, Chile and Indonesia, is constantly seeking for new business opportunities by developing new innovative financing solutions and looking for expansion to markets with high growth-potential.

Aasa’s business model is well established and tested in different markets. With its proprietary, fully automated lending platform, and with it knowledge of predictive analytics and processes AASA easily enters new markets and scale up rapidly.

Regardless of the market where we are operating on, their most valuable assets are their clients. The common goal of Aasa Group is to service our clients by offering them financial support and assistance where banks are not fast or flexible enough..

Midex

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First EU regulated Crypto-Fiat Exchange

Exscudo

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EXSCUDO is the new gateway between the traditional financial system and the cybercurrency market. In EXSCUDO, we create a new financial ecosystem.

This system is fast, safe, easy-to-use and multifunctional. Our main goal is to create a single gate to cybercurrency market for simple users, professional traders, investors and financial institutions..

EvoEstate

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EvoEstate – Real Estate Investments Aggregator

CROWDESTOR

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CROWDESTOR is a business crowdfunding platform that connects various business development projects with multiple prospective investors. The philosophy of crowdfunding is based on the power of the crowd.

Our name has born from combining the two as Crowd and Investor together create – CROWDESTOR. Our mission at CROWDESTOR is to empower anyone who wants to invest their money in meaningful or financially sound future projects across various industries and geographical boundaries.

At CROWDESTOR we have the highest regard for our investors and borrowers equally which is reflected in our values for simplicity, transparency, and professionalism.. .

PaySic

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Paysic is the first blockchain-based platform to provide fiat to fiat transactions using blockchain technology. By replacing wire transfers with blockchain technology, the Paysic ensures a highly efficient and safe way of sending money wherever you want.

Driven by the risk-lowering technology offered by blockchain, Paysic brings banking to another level in terms of safety, speed, and price. The cryptographic protection of all accounting entries and the elimination of any duplicates are ensured by the public blockchain ledger accessible through the Paysic Platform.

Our powerful algorithms use blockchain’s ‘source of truth’ to provide the servers with user and transaction data, allowing us to safely say that the Paysic Platform is the safest way of transferring money from one account to the other.. .

Topos Network

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Banking As A Service protocol built on blockchain to provide a safe and redeemable store of value where even banks cannot go. Topos enables communities to invest in themselves by providing a banking network which they own.

By codify monetary policies in democratically controlled smart contracts, we are creating the first deCentral Bank on-chain.. .

Niko Technologies

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Today, Niko Technologies is the world’s first provider of full cycle white-label solutions based on blockchain technology. Our main task is to reform finance and payment service industries by developing, implementing and supporting unmatched FinTech solutions.

We want to create a new generation national payment network that will serve customers on a global scale. Today, we live in the period of transition where centralized and decentralized currencies successfully coexist with each other.

For companies looking to expand their operational capabilities, enter new markets, and attract new client segments, Niko Tech offers a full range of services aimed at partner and customer acquisition. Under its Elegro brand Niko Technologies offers it’s following products: 1.

Cryptocurrency Payment Gateway, which includes a web processing platform, where merchants can accept payments for products and services in cryptocurrencies and receive settlements in their national currencies with zero volatility risk, and zero involvement in cryptos; 2. For retail payment processing Niko Tech offers its own POS software which turns any mobile device into payments accepting terminal; 3.

Electronic Wallet is available as a web client or Android/IOS mobile application for individuals and businesses. It allows clients from all over the world to receive EU virtual banking accounts and crypto accounts for purchase and sale of Bitcoin and other cryptos, and for businesses to send and receive payments, using stable coins; 4.

Exchange solution available as an application, as well as a web based platform allowing clients to sell and purchase cryptocurrencies with a one of a kind verifiable certificate, confirming legal origin of a digital currencies purchased through this solution. All the above solutions are fully customizable and available as a White label.

Proof Suite

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Proof Suite is an open-source blockchain technology company, specializing in smart contracts and financial exchanges. Proof is the creator of smart contracts that facilitate millions of dollars in transactions in decentralized environments, free of centralized controls, including the control of Proof.

Proof develops underwriting and prediction markets for cryptocurrencies and tokenized assets, generating revenue through insurance resolution events and the utility in the markets of its fiat-pegged cryptocurrency.. .

CEED Tech

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CEED Tech is a consortium of five startup accelerators, operating in Central and Eastern Europe. Its members are StartupYard in Prague, Digital Factory in Budapest, The Spot in Bratislava, Startup Wise Guys in Tallinn, and Open Coffee Club Vilnius.

Since 2011, we have launched 94 technology companies, and helped them to raise over €5M in seed and venture capital. Our passion is to help young companies build viable products, launch them quickly and successfully raise capital.

Our five 3-6 months acceleration programs are based in vibrant technology hubs in Estonia, Lithuania, Slovakia, The Czech Republic and Hungary. We carefully design our acceleration processes around the specific needs of our participants, while employing best practices established by larger, world-leading technology accelerators like Y-Combinator, Seedcamp and Techstars.

The acceleration process is broken down into 4 phases. The first 3 phases take place in-house, at our accelerators, for 3 to 6 months, depending on location.

Each team accepted to the accelerator will receive initial seed financing in the form of a grant in total of up to €30,000. In addition, promising companies with highest potential business ideas, who have proved the viability and market potential of their product idea, as well as capabilities of the project team, will receive follow-up funding of €30,000 – 250,000 after the programme.

CEED Tech is a project co-funded by the European Commission under the Seventh Framework Programme (2007-2013). All investments made are co-financed by private angels and venture investors with proven track records of cooperation with our accelerators.The private investment will be made in return for 5% to 15% of equity stake in the startup.

Fundwise

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Fundwise is a crowd investment platform for small- to medium-sized businesses in the CEE region. It funds hardware, consumer products, ICT, energy and clean tech, and gaming projects.

Fundwise was launched in 2014 and is based in Estonia.. .

Chatex

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We create an honest and accessible financial system, because we believe that we can make the world more fairfull. Working for many years in the banking sector, we learned how unfair the world of finance is.

How unreasonably expensive financial services are for the poor, which makes them even poorer. How big are the barriers and restrictions for people to use money.

Chatex is the easiest financial service in the messenger. It gives people access to a fair cryptocurrency-based financial system and provides them with the opportunity to have real property and enjoy all the benefits of cryptocurrency in the simplest way.

Chatex allows user not only to Transfer, Store and Exchange cryptocurrency, it also creates various opportunities to improve their wealth. It’s time to change the world..

BitOfProperty

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BitOfProperty is an alternative real estate investment platform, where you can buy & sell pieces in real estate that generate passive income on a monthly basis. The value BitOfProperty is bringing is to fill the gap in real estate crowdfunding industry by providing an opportunity to diversify capital into stable cashflow generating properties.

Similarly to a stock exchange, where you can buy shares in the companies, BitOfProperty allows you to buy and sell pieces in real estate. All properties are rented out, thus you can earn passive income every month in a form of rent.

In addition, you can take advantage of the property price movements and earn capital gain, if the value of the property increases. Rental income that the properties generate every month, is added to your account on the platform.

You can then reinvest it or withdraw the income to your bank account for personal use. Exiting an investment is easy, you just set the price and list the shares back on the marketplace for other investors to buy.

Our vision is to become a pan-European marketplace, where people can exchange bits of properties. We are on the mission to bring people close to financial freedom and our aim is to achieve this by giving them an opportunity to invest in an asset class, which is considered to be expensive and illiquid, yet simple and straight forward to understand.

We are backed by the leading real estate platform in Japan, LIFULL Co., Ltd. (https://lifull.com/en/), and a startup incubator based in Singapore called Spaze Ventures (https://www.startupspaze.com/)..

Single.Earth

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Single.Earth is a platform that trades natural resources as tokenized virtual goods, such as carbon allowance and biodiversity offset. The new service enables forests, wetlands, and other natural resources to generate profit without being sold as raw materials.

Tokenization of the natural resources makes healthy ecosystem services a new tradable and liquid asset class.. .

IPOhub

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Connecting Investors and SME Growth companies across Europe. IPOhub is a new pan European investment platform that is set to challenge the current processes of investing in share issues and IPOs.

We built IPOhub because we believe supporting the economy through investment should be an option for everyone. It should be fair and simple, no matter what part of the world you live..

CostPocket

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CostPocket is an accountancy startup intended to help accountants receive receipts from their clients in a much faster and easier way. Its expense management software automates business expense entry, eliminates paper trail, and reduces administrative effort and helps to ease the workflow and save 75% of the time accountants spend on receipts, enabling clients to save time on receipt delivery.

The company was founded in 2016 and is headquartered in Tallinn, Estonia.. .

Paytailor

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Paytailor is a cloud multi-platform for payments, services and customer loyalty. Paytailor is far more than just Mobile payment solution, enabling users to access multiple services beyond the scope of the ​mobile payment as such.

Paytailor solves two very fundamental problems, millions of businesses globally face. These are accessibility and costs, fuelled by cash payments and card terminals.

Both expensive, and limiting the ability to choose how and where to accept payments. Most mobile payment solutions require integrations, card terminals or additional hardware.

So, those ways of payment don’t really solve any problems or create new values. For merchants, it’s an investment in hardware that does not yield any new payment scenarios.

They are still tied down to the same location, the same customers and the same card payment. Only the mechanics (swipe vs.

chip vs. tap) vary from solution to solution.

HiHi!

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Save Cryptocurrency. Earn Fiat Interest. Join HiHi! B2C Mobile App. B2B Whitelabel & API.

Atomic Wallet

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Crypto currency wallet with built-in atomic swap exchange

MUST Platform

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International marketplace of assets and financial instruments for SME and the platform of collateral and asset management

Coinsbit.io

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Coinsbit is a legit, secure, and reliable cryptocurrency exchange based in Estonia. It was named the best 2018 crypto exchange at Asian Blockchain Life 2019.

It plans on further distinguishing itself from the competition through a series of novel functions. It will ensure privacy for all users and will not require borrowers to show their credit history.

An additional planned feature is an invest box service, which will reward users who deposit cryptocurrency by paying them interest on various coins. It was launched in 2018 and is headquartered in Tallinn, Estonia..

ShufflUp

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ShufflUp is a hands-off crypto-currency algorithmic trading platform for less-skilled investors

GetID

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GetID offers a reliable and secure personal identity and ID document verification service, commonly referred to as KYC or Know Your Customer. Additional personal background checks for international sanctions, political exposure, special interest, and adverse media, in compliance with International Anti-Money Laundering and Counter-Terrorism Financing regulations, can be conducted.

– Document Verification – Face Matching – Liveness Detection – AML Screening (PEPs and Sanctions Lists) – Age Verification Service enables remote customer onboarding in various industries: cryptocurrency, banking, crowdfunding, legal services, telecom, and many other industries, where customer onboarding can or should be done remotely without compromising process security. GetID provides multiple seamless ways of integration that allow quick and low-cost setup on client websites and mobile applications: – Web SDK – for instant integration of personal identity and document verification into websites.

– Mobile SDK (iOS & Android) – an easy add-on to any mobile application for instant KYC process deployment with NFC support. – Cloud-based verification page – send a link to customers and get verification results instantly in your Admin Panel or via webhook.

– API integration – integrate our KYC and customer verification solutions into your platform, collect data you need and get the results via API. The verification process is fast, intuitive, and straightforward.

In just a few steps a user can verify his identity online by presenting a document on a web-camera, making a photo of himself, and recording a short video clip for a liveness check. Key benefits: – Security and Compliance ( KYC/AML compliance, Fraud protection, Secure customer data storage) – Time and Cost Savings (Fast and easy set-up, Reduced workloads for compliance teams, Increased conversions) – Flexibility and Adaptability (Omni-channel platform, Global Coverage).

Fagura

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In the long term, Fagura will be a digital bank. In the short term, we will develop a marketplace based on p2p lending technology, where people looking for loans at a lower interest rate than the financial market, meet with investors interested in a more consistent returns than bank deposits.

We will gradually add new financial services in the future for Fagura to become an online bank with scaling potential and ready to be launched in new markets.. .

Depository Network

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Depository Network is the infrastructure needed for modern lending.

Gembex

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Intelligence financial marketplace

Crassula

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Create your own digital banking and payment gateway solution Crassula White Label solutions allow you to build PSP, Banking, FX products the way you want them to be in days, not months. Digital onboarding, virtual IBANs, SEPA & SWIFT transfers, FX Whether you are launching your own banking, e-wallet or you want to seamlessly embed FinTech solutions to your product, Crassula Banking will get you covered.

Mobile banking All your customers, daily operations available in business-friendly app wherever they are. Card issuing & management Card management system Virtual and plastic cards Authorization server Online payment processing Whether you’re running an e-commerce store, a subscription service, or just need to get paid once in a while, Crassula’s eCommerce tools help you create the best experience for your clients.

Crassula core API Open API connected to Banking allows your business to offer connectivity and endless integration possibilities.. .

Rimuut

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Rimuut transforms freelancers into Virtual Companies in seconds, enabling invoicing and getting paid globally.

CoinField

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CoinField is the easiest way to Buy/Sell Cryptocurrency in 193 countries!

Switchere

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Switchere.com is one of the most reliable online exchanges for buying cryptocurrencies. The company is a licensed provider of financial services, with guaranteed legal compliance and a secure infrastructure system for fast crypto purchase services at fair prices.

If you are looking for the best and convenient way to buy most popular and liquid cryptocurrencies — you came to the right place!. .

WhiteBIT

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WhiteBIT provides a secure and easy-to-use digital asset trading platform. The platform offers an intuitive user interface with advanced chart tools, fiat to crypto trading, competitive fees, and 24/7 support.

WhiteBIT was founded in 2017 and is headquartered in Tallinn, Estonia.. .

Mothership

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Mothership is a blockchain startup building a cryptocurrency and digital assets exchange. In June 2017, Mothership held a successful token sale and since then, is expanding fast and shipping early products.

Smooth onboarding process. Responsive customer support.

Fast and reliable trading engine. Highest degree of security.

We are building the world’s most capable exchange with customer experience as the highest priority.. .

B2BX Exchange

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Launched in January 2018, B2BX is a cryptocurrency exchange that offers crypto-crypto and crypto-fiat trading pairs and is licensed by the Financial Intelligence Unit (FIU) of Estonia. B2BX Exchange accepts individual and corporate clients, providing institutional grade liquidity, different order types, advanced API (WebSocket and REST), multiple options of fiat deposits & withdrawals with security options such as funds protection, 2FA and KYC with the added benefit of low trading fees.

B2BX operates in accordance with the following licences: (1) Licence to provide a virtual currency wallet service https://mtr.mkm.ee/taotluse_tulemus/502002 and (2) Licence to provide a service for the exchange of virtual currencies into fiat. According to CoinMarketCap data, B2BX currently features in the list of Top 50 Cryptocurrency Exchanges, ranked by Liquidity.

It is positioned in 15th place with a total liquidity volume equal to $20m USD. B2BX does not charge a fee for cryptocurrency deposits.

Fees for fiat financial transactions and for crypto withdrawals are displayed on the B2BX website and in the Trader’s Room. For trading, the takers fees are 0.28%, while makers pay 0.25%.

This falls in line with the global industry average. B2BX offers multiple fiat deposits & withdrawals methods, including bank transfers (SWIFT, SEPA, Faster Payments), Credit Cards and various payment providers such as UPayCard and Epay.

A professional trading platform with high-performance matching engine includes dynamic and adaptive layout, multiple workspaces with various widgets, grouping of volumes, market depth, watchlist and other helpful features. B2BX offers two types of API: WebSocket and REST.

UP Invest

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UP Invest company focusing on investments in health care, media, consumer brands real estate and cleantech venture capital.

Pocosys

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Banking services help to boost business Could we even imagine a world without financial services like payments and credit? Thanks to the financial sector, business has become more and more frictionless by lowering transaction times and upfront costs of products and services. The development of the financial sector has been one of the key factors in global economic growth.

Banks used to have a monopoly over providing banking services Over time, banking and financial services have become synonymous. They are hard to differentiate and it’s impossible to think about one without the other.

The monopoly of banks over financial services is a misconception that will change during the near future. The signs of changing times are already here.

Banking as a Service empowers companies to offer more value Your business can provide financial services without having to acquire a financial license or build the necessary competence and software. Banking as a Service is a concept where a company only needs to take care of marketing and customer care, while everything else is provided as a white label service.

Pocosys unlocks banking potential in every business Take a moment to think about your business. How much insight would you gain from the data generated by your customer payments? How would your customer loyalty change if you would provide them with your own line of credit? What would the customer retention be after you have seamlessly integrated a loyalty engine with other financial services you provide? Pocosys is building a banking as a service engine that allows launching banking products in 1–2 months with a cost of €1–2 per client.

With us, you can issue white label cards, create modern payment solutions, harness a powerful loyalty program or even launch a neobank.. .

Arf

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Arf offers instant international settlement service to licensed financial institutions

Tap2Pay

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Tap2Pay.me helps SMB and enterprise customers seamlessly and smooth accept payments by all digital channels. Unique and innovative proprietary technology allow merchants to sell products and service via messengers, websites and social networks.

Tap2Pay reached 1-st place in Visa Innovative Challenge 2018 as Best E-commerce Payment Gateway.. .

AlphaBlues

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AlphaBlues is automating customer experience through chat for the enterprise. The company is one of the first to have fully integrated AI virtual assistants and live chat seamlessly into a coherent solution.

A proprietary in-house developed NLP engine and virtual assistant platform (AlphaAI) is bundled with a live chat product for human agents (AlphaChat). This enables to fully automate customer journey into one flow – from website visit and potential resolution with a virtual assistant to a conversation and final resolution with a human agent.

The company’s “secret sauce” is around intent discovery pipeline and the GDPR-compliant solution also enables building voice operated virtual assistants. The solution is already used by several banks, financial institutions and telecom companies..

Tradelize

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Tradelize is an investment network that is building a highway between truly talented professionals and retail investors.

Keypay

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Keypay is a crypto investing platform that sends, receives, stores, and trades digital currencies.

Guarda

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Guarda is an innovative company, focused on building an ecosystem of products based on blockchain technologies. Guarda is officially registered as Guardarian OÜ in 2017 and based in EU.

The company has the FIU license (reg. FVR000109) for a virtual currency against a fiat currency exchange service and complies with all applicable laws and regulations in each jurisdiction in which it operates.

Guarda is a home for a team of blockchain enthusiasts, specialized in IT, FinTech, security, marketing, design, and UI/UX.. .

FIIZY

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Fiizy is a global digital lending platform.

Citowise

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The Citowise wallet is a multi-cryptocurrency wallet for private and business customers which empowers users to access mainstream adoption and use of cryptocurrencies globally. Citowise is one of the few wallets that is both safe and decentralized as it does not keep private user keys.

This positions the Citowise wallet as a means of accessing and transacting on the blockchain. Supported coins BTC LTC ETH ETC BCH EOS VEN OMG TRX ICON ONT DGD SNT RHOC MKR ZRX REP WTC VERI AION LRC QASH IOST BAT DRGN GNT NAS GAS ETHOS FUN PPT KNC SUB STORM KIN POWR SALT DENT (ALL ERC20/ERC223) POA Simplicity in Mind An extremely simple user interface that requires no technical knowledge of any of blockchain networks Integrated exchanges A simple interface to convert one cryptocurrency into other rights from the wallet with an integrated exchange of your choice Secure and private A completely unique and secure multi cryptocurrency wallet that integrates with Ledger and Trezor.

Buy cryptocurrencies Purchasing cryptocurrencies directly from the wallet at the lowest fees available on the market ICO Platform A unique solution to safely participate in ICOs with hardware wallets with multiple cryptocurrencies ✓Support All (41 000+) tokens which are compatible with ERC20 standard ✓Transaction history ✓Transaction status notification ✓ Multiple wallet support ✓ Calculate exactly how much you want to contribute ✓ Exchange your tokens later on with the integrated exchange ✓ Convert and send money in seconds ✓ Get notified about incoming funds ✓ Switch between currencies instantly ✓ Have a full individual control of your accounts The Citowise wallet never transferred backup phrases or private keys to any server or other devices. The only exception is during the process of backup performed by the wallet owner and it is accompanied by corresponding security warnings.

This sensitive information is stored on a device in an encrypted format and it is protected from unauthorized access. The citowise wallet can guarantee the security of the wallet to be at least the same as the device it is operating on.

Citowise – “Making Cryptopayments a part of everyday life” Citowise wallet keeps and sends your funds safer with your mobile phone from anywhere along with exchanging among crytocurrencies instantly.. .

Wert

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Wert offers a top-up module, that can be integrated to any website or mobile app and enables seamless purchasing of crypto. Customisable UI — affiliates brand first; Agile KYC — less stress, happy users; No solicitation — we don’t poach users; Insights — intelligence about users.

Wert shares gateway fees with its affiliates, so they can grow and become independent from major crypto.. .

Crypto Brokers OÜ

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Being a licensed cryptocurrency wallet and exchange provider, our company brings an innovative and streamlined solution to trading digital currencies. With our AI-powered virtual assistant TeleX AI, it is possible to trade cryptocurrencies by just messaging the chatbot on Facebook Messenger or Telegram.

Technical hardships in understanding the exchange platforms and wallet software pose the biggest obstacle for the people who would otherwise invest in cryptocurrencies. Our aim is to remove this entry barrier and make TeleX AI the default method to access cryptocurrencies in our target market..

Scoriff

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Scoriff is a new-age business credit scoring company, which applies Artificial Intelligence and Machine Learning at Web scale to predict likelihood of default events of businesses across the globe. The company is developing credit scoring models, which can be applied globally by using Web data only.

Compared to competitors it allows to reduce data acquisition costs ca 100x, delay in credit risk scoring by a year, score also business currently considered as “unscorable”​ and finally reach the global SME segment of credit rating market via affordable prices.. .

Paype

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Paype is the world’s thinnest wallet for day-to-day transactions that allows people to pay in an easier, more convenient and more rewarding way. Paype is simple and intuitive, built up from a vision of what finance and commerce should look like using the best smart technologies.

It allows the use of membership cards to pay for a latte or purchase an airline ticket – all while making a transaction count for something much more than just a payment. Paype is a complete wallet and virtual loyalty card platform, which allows businesses to create brand-oriented smart loyalty and gift cards, virtual vouchers, coupons and tickets on mobile phones.

Create excellent campaigns, grow your business and engage more customers. Paype helps to create new contacts with right people.

And it allows take payments in all major credit cards and track your sales everywhere. Signing up is fast and free, and there are no long-term contracts.

Pay only for what you get. Paype is an easier way for a business to create their own brand-oriented loyalty cards on mobile phones.

Reinvest24

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Real Estate always was and will be a valuable asset, that is why property investments are considered to be the most secure way of investment. Real Estate investments have high requirements for legal paperwork and steep entrance fees, but they are changing this.

Reinvest24 helps you to multiply your investments and grow your portfolio.The investment is secured by mortgage held by Collateral Agent in favour of the investors. This makes the process secure and reduces investor’s risks.Reinvest24 team is working with the real estate market since 2005 and during this time we were involved with project development, investments in real estate, property sales and maintenance.

Together we make up decades of professional experience in finance, real estate and technology. Despite being founded in 2017 and launching our Reinvest24 platform in 2018, our team has been working on high profile investments for many years..

Fitek

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Fitek is a financial process automation solutions and services provider for enterprises and public sector. The company operates in Estonia, Latvia, Lithuania, and Slovakia.

Fitek is founded in 1995. The company’s services cover most of financial process, from purchase invoice management and document workflow to complex sales invoice solutions.

Fitek lowers the costs of customers by optimizing and accelerating the financial processes. The company serves more than 1000 customers in Baltic states, Nordic, and Central European countries.

The customers are leading banks and telecoms, public sector institutions, and companies from other industries. There are more than 130 qualified professionals working in Tallinn, Riga, Vilnius and Bratislava sites.

Its solutions help customers to save up to 5 times of the resources dedicated to the financial processes.. .

Comistar Estonia

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We’re helping Fintechs, SaaS and other online businesses to start and manage a digital company in Europe. Comistar is an official partner of the Estonian e-Residency program and has been supporting entrepreneurs operating online businesses for 7 years.

Our core services are licensing, tax, accounting & legal services.. .

XZEN

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XZEN helps people to become financially independent from banks and governments by allowing them to send, change or pay in one of many currencies in seconds and with minimal fees. XZEN products: XZEN APP.

Single access to crypto and fiat currencies. – Buying cryptocurrencies for fiat with minimal fees – Online exchange of 30 crypto and fiat currencies at the best rates – Zero-fee instant local and international transfers – NFC payments for goods and services worldwide XZEN wallet.

Maximum security of cold storage – Secure CPU and fingerprint authentication – NFC payments for goods and services – Encrypted wireless connectivity via Bluetooth – High resolution touch screen for convenient use XZEN multicard. One payment card for all accounts Our mission is to bring benefits of blockchain to as many people as possible and give them a new level of financial freedom, while focusing on maximum security of asset storage, low comissions and everyday ease of use..

Capitual

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Capitual is an FIU Licensed, global leader in fiat and digital money solutions for both personal and business use. It’s the world’s first Hybrid Digital Bank where finances and blockchain technology merge into an inclusive future.

It helped connecting the financial world of LATAM with EUROPE by bringing the saving, transferring and investing on a reliable and stable system, which gives a completely secure environment that allows the full management to be done seamlessly , privately and instantaneously.. .

Cash On Go

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Cash On Go provides modern and high-tech solutions for financial industry, offering their insightful approach to private individuals worldwide. Their fundamental ethos is based on a code of ‘maximum customer satisfaction’ and the highest levels of technology, whilst adopting a global approach to all that they do.

They have a 3E strategy throughout the whole organization – Expectations Exceeding Experience – and that is what they aim to provide to their customers.. .

PrimaBlock

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PrimaBlock’s goal is to democratize access to investment. PrimaBlock’s flexible, smart contract system primarily facilitates the pooling of funds for ICO pre-sales.

With our product, ICO contributors around the world have been realizing more returns on their contributions thanks to the principle of economies of scale.. .

BTCBear

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BTCBear is Global decentralized cryptocurrencies exchange platform, P2P lending system and Bitcoin payment processing system.

Bitvalex.com

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Bitvalex is an innovative digital asset exchange platform with integrated fiat and crypto wallets designed to provide clients with a true banking alternative via its prepaid card. The platform supports Bitcoin, Ethereum, Litecoin, and Bitcoin Cash, which can be exchanged either for EUR and USD or between each other.

With a comprehensive list of additional services, such as an OTC Trading Desk, a Merchant Payment Gateway and Crypto Payroll Processing, our goal is to position ourselves as a one-stop-shop solution that propels cryptocurrencies towards mass adoption.. .

Polybius

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Polybius is a fintech company, founded in 2017 out of Tallinn, Estonia. Throughout the following year, Polybius’ activities have expanded to Belgium, with the creation of a Belgian affiliate company, Polybius Fintech Sprl, which is headquartered in the capital of the European Union – Brussels.

One of Polybius’ subsidiaries, Polybius Wallet OÜ, is a licensed token wallet service provider (Estonian FIU Authorization Nr. FRK000612).

For the past year, the team has been designing and developing its main product – Osom.finance. .

PiixPay

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Piixpay helps crypto-currency owners make regular bank transfers using Bitcoin. We do this through a crypto-to-fiat gateway, where payments are instant and fully compliant.

Our vision is to create an eco-system of financial services that connect the Crypto and Fiat world. This will provide users with modern banking solutions and seamless experience.

Currently, we support any SEPA payments i.e. paying bills, service provider invoices etc.

In the near future, we will support full Interoperability between crypto and fiat, interest rates and payment cards.. .

Coinprime

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Coinprime provides a fast and safe gateway to buy and sell cryptocurrencies like bitcoin BTC from anywhere in the world.

Power_ecosystem

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We have developed a blockchain platform as a service for the quick creation of decentralized services and applications, distributed storage and data processing systems, which does not require special development skills in the field of blockchain and high time and material costs for their technical support. Our solution allows developers and integrators to save money on expensive blockchain developers and support for solutions based on distributed ledgers and smart contracts, as well as time to market for solutions by simplifying the development process, SLA and full-fledged consulting and technical support.

The platform was completely written by our team from the scratch, based on a synchronic BFT consensus, which allows for supersonic transaction speed with finality within 1 block, full sharding architecture and a crosschain protocol. The last but not least, we have obtained three patents for key innovations..

Moontower

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We are a subscription-based investing platform, facilitating passive and automated investment strategies for our users.

OKONTO

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Security Token Offering (STO) investment platform, digital currency exchange

ioBanker

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ioBanker OÜ [14386003] is an EU private limited FinTech company operating from Estonia. ioBanker is changing the way people used to save their financial reserves online with the concept of full reserve banking or (100% reserve banking).

You are being your own bank as an iobanker. ioBanker is the bridge between digital currencies and electronic money institutions.

ioBanker provides digital reserves technological services to 184+ countries around the world, across 30+ currencies (fiat and digital) and commodities with frictionless decentralized exchange features and cross-border remittances around the world. ioBanker combines a platform with fintech providers, banks and e-money institutions to offer financial services to a global market.

ioBanker empowers innovation in financial services through a platform approach where app developers and fintech partners can leverage ioBanker’s reach through licensed relationships with banks and financial services partners around the world. Built on a core of proprietary technologies and e-money, ioBanker embraces a future where people and businesses around the world have access to safest, transparent, fair, logical and affordable financial services..

Bankomia

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All-in-one neobank for cryptocurrency & fiat management on-the-go

Brokeree Solutions

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Industry experts of MT4/MT5 solutions development and platform servicing.

Union Financial Technologies

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Union Financial Technologies is an innovative company dedicated to helping Financial Service providers improve their client retention, profitability and corporate governance. Launched in 2013 their Digital Core, Credit Scoring and Client Engagement solutions have already helped international Retail banks, Credit Unions and start-up Consumer Credit firms.

At present they are active in the Baltic, Nordic, UK and Irish markets and continually expanding their geographic coverage to support clients. They are also expanding their functional offering to address the changing shape of financial services and in 2015 will launch a new solution to support Crowd/P2P providers.

Their vision is to create a range of easy-to-use solutions which can be used as standalone modules or integrated infrastructure. All solutions will be digitally enabled, meaning real-time, multi-channel and highly scalable.

Union benefits from a team of professionals with deep experience in finance and technology. Peeter Klanberg has over 20yrs experience managing IT for Nordic banks, developing solutions for Credit Unions and Central Banks and as a technology investor.

Neil Mathieson has 20yrs experience in global capital markets, advising on finance transformation and commercialising financial technologies. They are based in Tallinn, Estonia and privately owned and funded..

Swaper

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Swaper is a P2P investment platform offering investments in loans. Simple, easy and transparent.

Cryptoprocessing.com

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Cryptoprocessing.com is trusted by 220+ merchants, including dozens of iGaming business, such as BitStarts and mBit. With €250 million worth of crypto processed in 2019, Cryptoprocessing.com is easily the largest processing provider in the market with 2.2% of all Bitcoin transactions processed in April 2020.

Apart from top-grade security (confirmed by a successful Kaspersky Labs audit), the company offers instant payments, support form 30+ digital and 20+ currencies, and instant crypto-fiat exchange. All client funds are stored in cold wallets, while on-demand settlements are available at any time.

New clients can benefit from a free trial and services of a dedicated integration manager.. .

Brickfy

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PROBLEM/OPPORTUNITY Interest rates are still really low meaning savings rates are below inflation. At the same time, more and more people have become comfortable with managing their finances online.

These two factors have led to the rise of Alternative Financing and the appearance of a large number of P2P lending platforms. But this boom, in turn, has brought about a very fragmented market, generally with platforms of a local nature, with few products and very different admission requirements for each one, that on occasion prevent investments from foreign investors.

All this makes it very difficult for investors and time consuming, not only to distinguish and value the best opportunities but also to access those, which prevents them from optimizing and diversifying their portfolios. Additionally, all of this must be added to the lack of liquidity that most of these alternative investments have and that makes investors reluctant to these investments due to the absence of a secondary market to provide them liquidity.

Also the platforms have difficulties with internationalization due to language barriers, the type of currency, and the different regulations, and additionally, it takes a lot of time, effort, and money in distribution and communication to explain their products, as well as in marketing to obtain quality investors, and also promoters looking for funding, on their websites. SOLUTION/PRODUCT The solution is a marketplace for P2P lending investment.

A platform of platforms that thanks to deep integration with each of the platforms, allows investors the convenience of investing from a single web and manage their portfolio in a centralized but diversified way. Brickfy’s mission is to make investing in P2P as simple, secure and efficient as possible.

Our service reduces risk through diversification, enables returns and provides easy access to the market In this way Brickfy helps, on one side, the platforms and loan originators to have greater exposure and dissemination of their opportunities, becoming an international sales channel, acting as a reseller of their loans. On the other side, Brickfy helps investors first to select and invest in the best platforms and investment opportunities by providing them with information, ratings, and reviews.

iuvo

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A group of young entrepreneurs who wish to re-define the way people manage their money, invest and get access to credit.

Currencii

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Karenzi is an online exchange facility that implements currency exchange on the basis of a license issued by the Central Bank of Armenia. They are a FinTech company with client first approach.

Their mission is to simplify complicated financial terminology and bring the currency management benefits enjoyed for large corporate to the SMEs, with the help of technology.. .

Income

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Income is a European marketplace for investing into consumer loans from around the world. Built by investors to investors, we seek to fix the problems of the current peer to peer platforms and to make a better investment experience for all.

We connect consumer lending companies around the world to investors and enable an easy, fast and improved way to invest.. .

Remmitex-Digital Asset Exchange

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Remmitex is a multi-functionality online international digital asset management investment and trading platform. Transfer between accounts to accounts.

Deposit/ Withdraw from linked credit. debit cards including payment to 3rd Parties.

Our Geography is global, we are operating over 80 plus countries offering deposit & withdraw in multi fiat currencies. Deposit/ Withdraw: Remmitex platform got the ticket to work with fiat currency via transfer Visa/ Master Card and Money OTHER WAYS TO DEPOSIT USD, Euro, GBP.

Instant Exchange: Trade instantly- all major credit card supported. Secure & Transparent: 98% or digital finds stored offline.

Subject to the yearly audit.. .

LEXIT Technologies OÜ

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LEXIT is an all-in-one marketplace for entrepreneurs and M&A professionals offering deal sourcing, negotiations, and data room services.

dillali

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dillali is an all in one pre-accounting solution for micro and small businesses in Africa to manage their financial records all in one place; transitioning from paper to digital. SMEs can manage electronic invoices, expenses, income and management of inventory among others.

Dillali is for mobile as well as desktop users.. .

Capverto

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Capverto design and develop solutions based on artificial intelligence and deep machine learning to solve financial and accounting issues.

OnederX

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The one crypto derivative exchange. World’s first meme trading crypto exchange.

Zichain

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Zichain is a Switzerland-based crypto finance company and a pioneer of the cryptocurrency index industry, having launched the world’s first cryptocurrency indexation and analysis service in December 2017. Combining its extensive experience in the world of traditional finance with the cutting-edge technology, the company is developing a range of simple, safe and trusted products that allow everyone to successfully invest into cryptocurrencies, track the performance of their investments, and receive the latest crypto market data.

Zichain is a one-stop-shop for blockchain finance, with the mission of making it safe, orderly and accessible to everyone.. .

Inwise

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Inwise is an Estonian FinTech company specialized on large companies supply chain financing solutions. Their primary product is cloud-based SUPPLIER+ that is using the high level of automatization of information exchange through API channels.

For institutional investors (like banks or funds) their solution provides possibility to finance ALL suppliers of large debtors while having 100% of debtors’ risk.. .

BankApply

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BankApply simplifies bank account opening for companies and individuals.

Chripment

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Chripment is an advanced payment system that helps to improve the processes of paying, sending and exchanging funds between individuals and companies. It provides speed, safety and zero cost in carrying out daily financial transactions.

Chripment helps improve business growth and economic development by offering an easy and smart way that saves time and costs and improves the performance of daily transactions in an unprecedented way. Based on the Stellar Blockchain, Chripment provides a robust, solid and fast-growing environment.

Through the provision of a platform on desktop or mobile phones to transfer money and pay directly to the POS or purchase online, as well as solving the problem of converting cryptocurrency into money immediately through the payments cards and withdrawal of millions of ATMs around the world. The aim of the project at a later stage is creating a complete integrated portfolio of all users’ cards and bank accounts.

Benefitting from the high-security Blockchain technology to ensure the highest level of security for user’s funds. Later, users will be able to leave all their cards at their homes and use one application on their mobile phones to spend the high-security money, competing with old traditional payment methods.

Chripment company takes the Advanced Payment for both (individual and Business) as a mandatory to solve the complicated process in a smart & effective way.. .

Gozo

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Gozo is the industry-first blockchain-enabled multi-token crypto wallet, loyalty reward points clearing house, and travel club. By leveraging blockchain technology, Gozo is providing greater efficiency, liquidity and travel savings to the consumer.

Gozo’s simple and consumer friendly interface allows users to harness the power and complexity of blockchain to track and exchange valuable loyalty reward points into crypto tokens or even local fiat currency. As a tokenized loyalty reward platform, travel providers will also reap the benefits of Gozo’s blockchain platform.

Businesses can customize the Gozo tokenized reward platform to fit their loyalty reward plan for their customers, providing the business with greater network efficiency, consumer transparency, and ultimately overall cost savings and reduced financial liability.. .