Fintech startup ecosystem
Europe has produced more fintech unicorns than any region outside the US. London, Stockholm, Berlin, and Amsterdam are global centres for payments, neobanking, and embedded finance. Strong regulatory frameworks like PSD2 and open banking have created a uniquely innovation-friendly environment. We track 517 organisations in this sector across 6+ countries.
Showing 461–480 of 517 Fintech
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Fintech results
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Tink
Tink is an open banking platform headquartered in Stockholm, founded in 2012 by Daniel Kjellén and Fredrik Hedberg. It provides open banking APIs and services that let banks, fintechs and merchants access financial data and build their own financial products. Originally a consumer financial-management app, Tink pivoted to offer its technology to other businesses, becoming one of Europe's open banking infrastructure providers. In June 2021 Visa agreed to acquire Tink for approximately €1.8 billion, completing the deal in 2022, after which Tink became wholly owned by Visa while retaining its brand.
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Tokeny
A Luxembourg fintech founded in 2017 by Luc Falempin and Daniel Coheur that provides an institutional-grade, no-code tokenisation platform for the issuance, transfer, and lifecycle management of digital securities on public blockchains. The company's T-REX (Token for Regulated EXchanges) open standard enables compliance-native security tokens. Tokeny tokenised over €28 billion in assets between 2017 and 2023 and was acquired by Apex Group in May 2025.
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Tom Blomfield
Co-founder of Monzo and previously GoCardless, and one of the UK's best-known fintech founders. He led Monzo from a prepaid card to a licensed bank with millions of customers before stepping back; he is now a group partner at Y Combinator.
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Tomasz Czechowicz
Founder, Managing Partner and CEO of MCI Capital, the Warsaw-listed digital private equity firm he started in 1999. A pioneer of Polish technology investing, he built MCI into the largest mid-market tech PE group in Central and Eastern Europe and has overseen landmark exits including iZettle (sold to PayPal) and Azimo.
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Trade Republic
Trade Republic is Europe's largest savings platform and a commission-free neobroker offering stocks, ETFs, derivatives, and crypto trading via a mobile-first app. Founded in Berlin, the company holds a German banking license and serves over 4 million customers across 17 European countries. Trade Republic has been valued at over $5 billion and is a leading force in the democratization of retail investing across Europe.
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Tradeshift
Tradeshift was founded in Copenhagen in 2010 by veterans of Denmark's e-invoicing infrastructure and set out to modernize global trade workflows. Its cloud platform connects buyers and suppliers for e-invoicing, procurement, and supply chain finance, using open standards and a network model. Tradeshift scaled to a global footprint with headquarters in San Francisco and offices across Europe and Asia, and it achieved unicorn status after major funding rounds. The company is a flagship Danish fintech and B2B SaaS success.
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TransferGo
TransferGo is a Vilnius-founded international money transfer platform launched in 2012 by Daumantas Dvilinskas and Justinas Lasevicius. The service focuses on migrant remittances, enabling fast and affordable cross-border transfers to over 160 countries. TransferGo has raised over $100 million from investors including Hard Yaka and Valar Ventures. With 350+ employees and offices in the UK, Germany, Lithuania, and Poland, the company has processed billions in transfer volume. It competes with Wise and Remitly in the migrant remittance segment and is one of the Baltics' most prominent fintech exports.
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TransferMate
TransferMate is a B2B cross-border payments infrastructure company headquartered in Kilkenny, Ireland. It provides payments-infrastructure-as-a-service and embedded payments technology that lets businesses send and receive international payments, positioning itself as a faster, lower-cost alternative to the traditional correspondent-banking model by enabling local pay-in and pay-out. The company runs a large global payments-licensing network, is regulated by the Central Bank of Ireland as an Electronic Money Institution, and reached a valuation above $1 billion in May 2022, becoming an Irish fintech unicorn.
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Trasti
Polish digital-first motor insurance platform offering fully online purchase, claims handling, and policy management for drivers. Trasti sits between a direct-to-consumer insurer and an embedded-insurance platform, targeting cost-efficient underwriting and fast digital experiences. Backed by Movens Capital.
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Trever
Trever provides a digital-asset operating system for financial institutions to trade, settle, and manage cryptocurrencies and tokenized securities. In market positioning it overlaps with infrastructure providers such as Fireblocks and Metaco.
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TrueLayer
TrueLayer operates an open banking platform across Europe centered on Pay by Bank, enabling consumers to pay directly from their bank accounts rather than using cards. Its product suite includes Payments, Payouts for instant refunds and withdrawals, Bank on File for recurring payments and subscriptions, plus data, verification, and incentive add-ons. The company serves sectors including ecommerce, iGaming, financial services, travel, and crypto. TrueLayer is authorised and regulated by the UK Financial Conduct Authority, and has pursued acquisitions to expand its European footprint and add credit-at-checkout capabilities.
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Truevo Payments
Truevo Payments is a Malta-founded fintech company that integrates card acquiring and payment gateway services into a single platform. Originally established as Swish Payments in 2013 and rebranded in 2017, Truevo is licensed by the Malta Financial Services Authority and certified to PCI-DSS Level 1. It provides online payment acceptance, card payouts, subscription billing, pay-by-link, and point-of-sale systems to merchants across Europe. The company employs around 90 staff and is headquartered at the Central Business District in Birkirkara, Malta.
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Trustly
Trustly is a Stockholm-based open banking payments company founded in 2008 that enables merchants to accept direct bank payments from consumers without cards, apps, or registration. The platform connects to over 8,000 banks across Europe and North America, powering pay-by-bank experiences for e-commerce, financial services, gaming, and travel companies. Nordic Capital acquired a majority stake in 2018 and the company has grown rapidly, processing tens of billions in payment volume annually. Trustly is a key player in Europe's open banking ecosystem and the broader shift away from card-based payments.
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Tuum
Cloud-native, API-first core banking platform letting banks, fintechs and neobanks launch accounts, payments, lending and cards on modular infrastructure. Clients include LHV Bank and OP Financial Group; raised EUR 25M in 2024.
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TWINO
TWINO is a fully licensed and regulated investment marketplace headquartered in Riga, Latvia, founded by Armands Broks in 2015. The platform gives retail investors across 30 European countries access to consumer, business, real estate loans, and invoice financing, with average returns around 10–12% per year. TWINO holds an investment brokerage licence from the Central Bank of Latvia and is supervised under MiFID II. It has facilitated over €1 billion in cumulative loan volume and employs over 300 people worldwide.
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Twisto
Twisto is a Prague-based fintech founded in 2013 by Michal Smida, offering buy-now-pay-later and digital payment solutions across Central Europe. The platform allows consumers to defer payments at checkout and manage spending via a mobile app and virtual card, while merchants benefit from higher conversion rates. Twisto expanded into Poland and Romania before being acquired by Zip Co (Australia) in 2022 for approximately $97 million. The company helped pioneer BNPL adoption in CEE and remains a notable Czech fintech exit story.
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UK FinTech Week 2026
Week-long fintech program in London anchored by the Innovate Finance Global Summit (IFGS), with regulator panels, investor meetups, and bank partnership sessions. The flagship summit costs about GBP 900+; fringe events are often free. Ideal for fintech startups seeking FCA insight, institutional partners, and London's deep pool of fintech VCs.
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UMNAI
UMNAI is a Malta-based deep-tech AI company founded in 2019 by Dr. Angelo Dalli and Ken Cassar. The company has developed a neuro-symbolic Hybrid Intelligence framework that combines neural networks with symbolic reasoning, enabling AI systems to make consequential decisions that are explainable, auditable, and compliant with EU AI regulation. UMNAI's technology is deployed in financial services, healthcare, insurance, and justice, where regulatory accountability is non-negotiable. The company has been granted 30 patents with a further 22 pending, and Cassar represents Malta at the CEN/CENELEC JTC 21 AI standards committee.
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UN:BLOCK 2027
UN:BLOCK is a two-day blockchain, fintech and AI conference held in Riga, drawing around 3,000 attendees from 50+ countries and 700+ companies. Day one focuses on blockchain, digital assets and AI agents, while day two covers fintech, payments, banking regulation and financial infrastructure. The event is backed by the Investment and Development Agency of Latvia (LIAA).
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Uncapped
Revenue-based, non-dilutive working capital provider offering USD 10k to 2m to ecommerce and online businesses via fixed-fee, no-equity financing. Founded 2019; operations also in Warsaw, Poland.
