Bitwala is Germany’s flagship cryptocurrency company, founded in 2015. Together with its German partner bank, Bitwala offers the first account worldwide that combines a regulated bank account, a bitcoin wallet and trading. With the unique integration of crypto and fiat, users can buy and sell bitcoin directly from their regulated bank account with nearly instant liquidity. The funds in Euro or Bitcoin are available on the account in less than an hour.

Bitwala aims to build the bank for the digital asset era, that offers clients a fast and secure gateway to cryptocurrencies and decentralized financial products.

CrossLend is a digital debt marketplace with a mission to make the European lending and investment ecosystem more efficient, transparent and profitable.

By means of an innovative securitization solution, we seamlessly connect originator supply with institutional investor demand, creating uniquely flexible, beneficial opportunities for both. With lenders empowered to lend more and investors able to deploy their capital more efficiently, liquidity is available to flow where it is needed, helping fund Europe’s real economy: a win-win-win situation for all.

Fraugster is a German-Israeli payment security company founded in 2014 by Max Laemmle and Chen Zamir. After years of working in the payments industry, the team experienced first-hand the challenges of fraud for e-commerce merchants. Their journey began with the vision to design and build an anti-fraud technology that could help create a fraud-free world — one where e-commerce merchants would never have to worry about managing risk again.

They found that all existing anti-fraud solutions were built on outdated technologies, insufficient for dealing with sophisticated cyber criminals. Existing rule-based systems, as well as classic machine learning solutions, are expensive and slow to adapt to new fraud patterns in real-time.

Their team of intelligence and payment experts spent the last several years designing a proprietary technology from scratch. The result is an advanced Artificial Intelligence (AI) technology that not only eliminates payment fraud but also maximizes revenues by reducing false positives.

Fraugster has been operating around the world since 2016 and is currently responsible for tens of billions of dollars in annual payment volumes.

Getsafe is reinventing insurance. The insurtech startup from Heidelberg is using technology and AI to help people identify, organize and protect what they care most about in life: With a few clicks, customers can learn about, buy, and manage insurance on their smartphone – simple, transparent, and fair. Together with renowned partners such as Munich Re and leading venture capital investors, Getsafe is bringing the concept of multi-line insurance into the digital age.

N26 is Europe’s first Mobile Bank with a full European banking license and is setting new standards in banking. N26 has redesigned banking for the smartphone, making it simple, fast and contemporary. Opening a new bank account takes only eight minutes and can be done directly from your smartphone. Users receive a Mastercard to pay cashless or withdraw cash all around the world. They can block or unblock their card with a simple click and send money instantly to friends and contacts. N26 was founded in early 2013 by Valentin Stalf and Maximilian Tayenthal. In two years N26 has acquired more than 500,000 clients. It operates in 17 countries: Austria, Belgium, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Netherlands, Portugal, Slovakia, Slovenia and Spain and currently employs 290 people. Since January 2015, N26 has been available for Android, iOS and desktop.

smava is an online loan comparison platform. It brings private applicants together with a huge variety of banks and private investors, offering highly attractive interest rates for loans from 1,000€ up to 120,000€. Using smava’s sophisticated scoring technology, customers can receive a tailored online loan with the best conditions free of charge within seconds. Our customers use financing for a large number of plans, such as car financing, property renovation and loan consolidating. Furthermore, customers receive free and independent advice from our highly trained loan consultants. smava’s concept has convinced independent testers for years.

Tradico offers a non-banking alternative for SMEs to improve working capital management and obtain liquidity. The company acts as an intermediary between buyer and seller, known as “finetrading”. Tradico pays the seller immediately, and grants the buyer an extended payment deadline. For this, Tradico charges interest. Because the seller is paid immediately, he will often grant a trade discount, which offsets the interest the buyer needs to pay to Tradico. The whole process happens online through their software system tradiCORE, which includes a user interface for the customer, automatic risk scoring and generation of credit limits for the customer.

Traxpay as a cloud-based B2B Augmented Payments platform provides secure bank-grade and regulatory compliant financial process automation and B2B payments services to corporates, digital marketplaces and B2B commerce networks.

Upvest provides a highly scalable and modular API service that enables fintechs all over Europe to launch investment products easily. Fintechs benefit from programmatic access to the best assets. Asset managers extend their reach all over Europe. The one-stop solution comes with all licenses and is technically crafted for scale and modularity. The product is built proprietarily using blockchain as fast and affordable custody and settlement layer.