Fintech Estonia Startups: Listing

Fintech Estonia Startup Map 2023Submit your startup

BANKING

INBANK

Fintech Startups in Estonia - Banking - inbank

Inbank is a financial technology company with an EU banking licence that connects merchants, consumers and financial institutions on its next generation embedded finance platform. Partnering with 5,400+ merchants, Inbank has 865,000+ active contracts and collects deposits across Europe. Its bonds are listed on the Nasdaq Tallinn Stock Exchange.

MONESE

Fintech Startups in Estonia - Banking - Monese

Pocopay provides a current account application for Millennials and the tech-savvy population, allowing customers to open bank accounts in several European countries in a matter of minutes.

POCOPAY

Fintech Startups in Estonia - Banking - Pocopay

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.

TOPOS

Fintech Startups in Estonia - Banking - Topos

Fintech Startups in Estonia - Banking - Topos

At Topos, we believe that in a globalised digital world, advanced technology shall ensure ubiquitous access to fair financial services, regardless of wealth, location, or availability of high-speed connectivity.

BLOCKCHAIN/CRYPTO

ASICVAULT

Fintech Startups in Estonia - Crypto - AsicVault

AsicVault makes physically secure cryptocurrency vaults and high performance hard disk encryption devices. AsicVault Bitcoin hardware wallet provides significantly higher security compared to BIP-39 wallets. It also leverages both active and passive anti-tamper technologies.

BITFROST

Fintech Startups in Estonia - Crypto - Bitfrost

Bitfrost integrates digital assets and traditional banking, offering an innovative and versatile approach to solving business challenges in the new digital economy.

CHANGE

Fintech Startups in Estonia - Crypto - Change

Change is a rapidly growing FinTech providing everyone in Europe access to exciting investments. Tens of thousands of people from 31 EU countries trust Change to build their financial future and have traded over 170 million euros with us.

COINSPAID

CoinsPaid is a crypto-financial ecosystem including a cryptocurrency wallet, payment processor, exchange with OTC desk, a hot wallet system for businesses. Pay & Accept payments in cryptocurrency. Store & Exchange Bitcoin & other digital currencies.

CHOISE

Fintech Startups in Estonia - Blockchain - Choise.com

Choise.com is a MetaFi (CeFi/DeFi) ecosystem based on Crypterium CeFi solutions and Charism DeFi protocol, that reinvents how protocols operate with CeFi, reduces commissions up to 50 times and unlocks cross-chain high yield to 100 mln CeFi users.

COINMETRO

We are not a crypto company, we are a traditional financial institution that understands the complexities and benefits of blockchain and crypto. We are actively working with regulators in a number of jurisdictions to further improve the industry’s regulatory framework.

CINDX

 

Fintech Startups in Estonia - Crypto - CINDX

CINDX is a blockchain-based, multifunctional platform that allows absolutely anybody to invest in the crypto market, and consistently earn returns without possessing any specialized knowledge or skill set. CINDX platform creates a complete ecosystem for cryptocurrency trading that is favorable to all the participants of the market and offers solutions to existing pain points. Trading cryptocurrency for profit usually requires jumping across multiple platforms and services, such as third-party platforms for analytics services and trading tools.

GUARDARIAN

Fintech Startups in Estonia - Crypto - Guardarian

Building a bridge between fiat and crypto. Industry-leading On/Off-ramp service provider. Guardarian is a licensed financial company in the field of providing virtual currency services (license nr. FVR000200 issued by the Estonian Financial Intelligence Unit). We help businesses with B2B exchanges & crypto payments solutions.

GUARDTIME

Fintech Startups in Estonia - Crypto - guardtime

If Google organizes the world’s information and makes it universally available then Guardtime validates that information and makes it universally reliable. We are a team of over 150 cryptographers, developers and security architects, with decades of experience defending networks from nation-state attack.

IGNIUM

Fintech Startups in Estonia - Crypto - IGNIUM

Ignium enables the issuance of tokens, raising of money and funding of businesses. Our proprietary infrastructure is designed to provide the easiest, most reliable and affordable real-time settlement of digital securities across all borders.

IQ Labs

Fintech Startups in Estonia - Crypto - IQ PROTOCOL

IQ Labs coordinates the decentralized development of novel frameworks and protocols in the DeFi space that serve as the next money lego by unlocking billions in utility for all participants.

KANVAS.AI

Fintech Startups in Estonia - Crypto - Kanvas.ai

Art platform that connects artists and art lovers. Making NFT-s for artists and Accepting Crypto payments. Connecting artists and art lovers, making NFT-s for artists works and accepting crypto payments.

KRIPTOMAT

Fintech Startups in Estonia - Crypto - Kriptomat

Kriptomat is an online platform that enables people globally to quickly, safely and easily buy, sell and store digital currencies in the local language and with local support.

LEXIT

Fintech Startups in Estonia - Crypto - LEXIT

LEXIT is an advanced Web3 Ecosystem consisting of Advisory Services, Launchpad, Marketplace and Metaverse to elevate high value Web2.0 Clients to another level and maximizing their potential and scalability for the new age of the internet, Web3.

MOTHERSHIP

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.

NFTPORT

Fintech Startups in Estonia - Crypto - NFTPort

NFTPort is Stripe for NFTs: a one-stop, simple and developer-friendly NFT infrastructure & APIs which help developers bring their NFT applications to market in hours instead of months.

NIKO TECHNOLOGIES

Fintech Startups in Estonia - Crypto - Niko Technologies

Niko Technologies was founded in 2018 to draw on existing blockchain experience and develop revolutionary FinTech solutions for startups and businesses looking to enter new markets overseas. We realized the potential for blockchain to dramatically change the financial industry by offering instant P2P payments, unrivaled security, quick multi-currency exchange, and affordable money transfers throughout the world.

PLASMA FINANCE

Fintech Startups in Estonia - Crypto - Plasma Finance

Fintech Startups in Estonia - Crypto - Plasma Finance

Plasma.Finance is a multichain DeFi / DEX aggregator, On-chain Portfolio Management, and Launchpad.

PREMIAX

Fintech Startups in Estonia - Crypto - PREMIAX

PREMIAX is a crypto service platform, where cryptocurrency and traditional banking services work together.

SUPPLIER PLUS

Fintech Startups in Estonia - Crypto - Plasma Finance

Fintech Startups in Estonia - Crypto - Supplier Plus

SupplierPlus is a multi-bank Supply Chain Finance solution. SupplierPlus helps Corporate Buyers and Government Entities leverage their supply chains, while providing Suppliers with flexible access to working capital. This is accomplished on a platform that enables simple workflows between participating Buyers, Suppliers, and Banks.

SHUFFLUP

Fintech Startups in Estonia - Crypto - Plasma Finance

Fintech Startups in Estonia - Crypto - ShufflUp

ShufflUp is for inexperienced investors, who don’t have the skills to get started with cryptocurrency trading. ShufflUp is a machine-learning powered fully automated trading platform, that allows small investors to profit from market volatility in a low-risk way. Unlike most crypto-trading platforms or complex trading strategy tools, ShufflUp is totally hands-off for investors, aiming for steady returns on capital.

SWAPIN

Fintech Startups in Estonia - Crypto - Plasma Finance

Fintech Startups in Estonia - Crypto - swapin

Swapin: The Ultra-Fast Crypto-Bank Payments Solution. Pay invoices in crypto, whether in EUR or GBP. Instantly convert crypto to fiat on your bank account. Accept crypto as a business and get EUR or GBP on your bank account. Licensed in Europe 🇪🇺. MasterCard Lighthouse FINITIV member.

VOY FINANCE

Fintech Startups in Estonia - Crypto - Plasma Finance

Fintech Startups in Estonia - Crypto - Voy Finance

Voy, bridging the gap between DeFi funds and our digital trade finance network with digital eBLs and tokenised LCs conformed to our SASB ESG certification solution for sustainable trade finance removing fraud double entry, risk and enhanced traceability engaging new emerging markets and SMES. Financing the unfinanceable SME market, reducing banks exposure by combining with DeFi pools and reducing costs and inefficient manual and paper friction.

CROWDFUNDING

BOLDYIELD

Fintech Startups in Estonia - Crowdfunding - Boldyield

Welcome to BOLDYIELD – an asset-based peer-to-business crowdfunding platform that focuses on real estate and cash-flow business financing. 

CROWDESTATE

Fintech Startups in Estonia - Crowdfunding - Crowdestate

Crowdestate is a real estate crowdfunding marketplace offering high-quality, pre-vetted real estate, business, and mortgage loan investment opportunities.

CROWDESTOR

Fintech Startups in Estonia - Crowdfunding - Crowdestor

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.

ENDANGERED WILDLIFE

Fintech Startups in Estonia - Crowdfunding - Endangered Wildlife

Endangered Wildlife OÜ is an award-winning ESG SaaS company that is contributing towards solving the climate crisis by using technology to demonstrate the financial value of biodiversity. We are developing the Biodiversity Valuator, the first software solution that calculates the financial value of individual species of biodiversity. It allows stakeholders to incorporate biodiversity into the strategic and investment decision-making process, and to report on biodiversity impact in a simple and understandable manner.

ESTATE GURU

Fintech Startups in Estonia - Crowdfunding - EstateGuru

In 2013 a group of real estate and fintech experts based in Tallinn, Estonia had a bright idea. What if they could break down the barriers which ensured that investing in secured property loans was a luxury only available to the wealthy and well-connected? And what if they could help entrepreneurs and visionaries in the property development business who struggle with the ‘one-size-fits all’ solutions offered by banks and major financial institutions at the same time? Thus Estateguru was born.

FANVESTORY

Fintech Startups in Estonia - Crowdfunding - Fanvestory

Fanvestory is a marketplace for music copyright. We allow fans to buy a piece of music and be entitled to its future royalties while supporting the careers of the artists they believe in. For artists we provide money up-front for their copyrighted works with a unique VIP communication channel with their most loyal fans and supporters, which increases their promotional power.

FUNDAUS

Fintech Startups in Estonia - Crowdfunding - Fundaus

FUNDAUS is a new crowdfunding platform, operated by a licensed Estonian company, targeting wholesale and retail investors and corporate borrowers from EU member states, Norway, and the UK. Middle-term (6 – 24 months) loan-based financing will be provided for economically feasible business projects, secured with a real estate (1st mortgage) or alternative marketable collateral.

FUNDERBEAM

Fintech Startups in Estonia - Crowdfunding - Funderbeam

In our tech-powered marketplace, anyone can buy and sell shares in ambitious companies, while founders can raise capital without borders.

FUNDWISE

Fintech Startups in Estonia - Crowdfunding - Fundwise

Fundwise is a crowd investment platform for small to medium businesses in the CEE region. Funding hardware, consumer products, ICT, energy & clean tech and gaming projects. Brought to you by the people who built Hooandja – the CEE region’s first non-profit crowdfunding platform.

HOOANDJA

Fintech Startups in Estonia - Crowdfunding - hooandja

Hooandja is the Estonia’s biggest crowdfunding platform catering for creative projects. At Hooandja, all kinds of creatives — musicians, writers, artists, designers, developers, entrepreneurs, activists — are invited raise money to fund their ideas and directly connect with their fans. The latter will in return receive exclusive awards for their patronage.

LANDEX

Fintech Startups in Estonia - Crowdfunding - Landex

LandEx is the first European land investment platform enabling every EU, EEA, and UK citizen to conveniently invest in land.

PRIMABLOCK

Fintech Startups in Estonia - Crowdfunding - Primablock

PrimaBlock is a blockchain company that runs on the Ethereum network. Our 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. Learn more about PrimaBlock in our FAQ or use it yourself as a pool creator or contributor.

REINVEST24

Fintech Startups in Estonia - Crowdfunding - Reinvest24

Reinvest24 is an international real estate investment platform based in Europe. We have democratised real estate investments, which up until now have had huge entry barriers, requiring large amounts of capital and market insight.

REGTECH

COMPLOK

Fintech Startups in Estonia - Regtech - Complok

Complok provides an operational risk management tool for compliance teams in fintechs and banks. Our tool is designed to automate the workload of assessing operational risks and keeping an audit trail, composing a Risk Appetite Statement, and ultimately saving time for compliance teams. Additionally, we are your trusted partner in increasing compliance awareness by delivering mandatory trainings.

EURORA

Fintech Startups in Estonia - Regtech - Eurora

Meet Eurora—Intelligent Cross-Border Compliance Platform.

Critical services to logistics providers, postal operators, and eCommerce sellers.

Our team of experts in the fields of eCommerce, logistics, taxation, machine learning, and data mining has gathered with one mission – breaking down barriers that block global sellers. We take care of all cross-border trade regulations so businesses can focus on their core activity.

SALV

Fintech Startups in Estonia - Regtech - salv

Salv is the world’s first real-time collaborative financial crime-fighting network.

We enable tactical information sharing for organisations across sectors and national borders, and give compliance teams the tools to fight crime more effectively.

DATA MANAGEMENT

CREDITINFO

Fintech Startups in Estonia - Data Management - CreditInfo
We provide intelligent information, software and analytic solutions to facilitate access to finance. With 33 credit bureaus running today, Creditinfo is the most widespread global partner in the field of credit risk management. Expect us to listen, think long-term and innovate in both developed and emerging markets. We strive to be your preferred partner in credit risk management, efficiently addressing challenges throughout the whole customer lifecycle.

HOTSPOTER

Fintech Startups in Estonia - Data Management - HotSpoter

Hotspoter is a platform which helps companies to identify the best locations to place their product or service to end customers. Our platform is able to distinguish what are the most frequently visited places and which ones are responding to your business needs. Being a modular platform, hotspoter has different modules for Financial sector, Marketing, Retail and Real Estate.

MINDTITAN

Fintech Startups in Estonia - Data Management - MindTitan

MindTitan believes that data science isn’t just a “nice-to-have” innovation. They believe that it is a must-have for any company looking to stay competitive within the next ten years. MindTitan focuses on solving business problems by optimizing key partners.MindTitan has been a partner for setting up the Al strategy for Nordic banks.

SCOREWISE

Fintech Startups in Estonia - Data Management - Scorewise

Having over 15 years of risk management experience we are passionate to deliver to our customers the most comprehensive and exclusive consultancy services. Our aim is to work out the most qualitative risk behavior estimation which will lead to the increase of both the accuracy and the speed of the credit decisions.

SCORIFF

Fintech Startups in Estonia - Data Management - Scoriff

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.

TAUST.EE

Fintech Startups in Estonia - Data Management - Taust.ee

Taust.ee is a payment default database in Estonia. The primary purpose of the database is to help you in your credit decision processes and to assess the creditworthiness of individuals and companies.

DIGITAL IDENTITY

AUTHER

Fintech Startups in Estonia - Digital Identity - Auther

Auther is an online platform allowing businesses to identify customers by biometrics, store customer’s biometric, and protect biometric against illegal usage by 3rd parties.

BASIS ID

Fintech Startups in Estonia - Digital Identity - Basis ID

BASIS ID brand was built in effort to give companies a tool to speed up operational processes, provide ultimate security and to form trustworthy relationships through compliance with regulatory requirements.

E-RESIDENCY

Fintech Startups in Estonia - Digital Identity - E-Residency

E-Residency is a transnational digital identity that anyone in the world can apply for to obtain access to a platform built on inclusion, legitimacy and transparency. E-residents then have access to the EU business environment and can use public e-services through their digital identity.

EID EASY

Fintech Startups in Estonia - Digital Identity - eID Easy

eID Easy is a fast growing company, highly skilled and specialized in international secure electronic signature methods. We have a strong focus in qualified electronic signatures under the EU eIDAS framework, but also cover other popular methods.

ECIDENTITY

Fintech Startups in Estonia - Digital Identity - ECiDentity

ECiD solution is a convenient and secure personal identification solution. It is an easy-to-use alternative to personal document verification(also known as KYC) and multi-factor authentication. With ECiD, you can SignUp in seconds into new e-services, sign transactions and agreements with e-signature.

FULLY VERIFIED

Fintech Startups in Estonia - Digital Identity - Fully Verified

Fully-Verified is a banking-grade identity verification service which is quick, convenient, and which satisfies higher level security and regulatory standards.

MESSENTE

Messente provides global messaging connectivity, user verification, and two-factor authentication services to organizations. Messente’s smart messaging API focuses on business-critica l global communication, via SMS and global OTT messaging platforms (Viber, WhatsApp). The two-factor authentication toolkit includes an APIthat handle both SMS-delivered PIN codes and time-based one-time pass1,.vords, and an authentication mobile app, called Verigator.

SK ID SOLUTIONS

Fintech Startups in Estonia - Digital Identity - SK ID Solutions

SK specializes In international e-identity solutions. We provide cutting-edge certified trust services that meet the highest European standards. They partner with the Estonian state in issuing certificates for national identity documents. They enable the citizens of different countries to log in to e-services and give electronic signatures. In Estonia, SK caters to over 600 organizations. Their services use over a two million end-users in the Baltics.

VERIFF

Fintech Startups in Estonia - Digital Identity - Veriff

Veriff provides an online identity verification solution for financial institutions. The solution can be used for onboarding clients and fraud prevention. The company uses video verification and captures and verifies document data across different registers.

INSURTECH

BLACK INSURANCE

Fintech Startups in Estonia - Insurtech - Black

Black is a digital insurance company on blockchain. Our platform connects insurance brokers directly with capital enabling them to launch their own virtual insurance companies. Thus removing the trusted third parties (Insurance Companies) from the value chain.

CACHET

Fintech Startups in Estonia - Insurtech - cachet

Cachet is a usage-based insurance platform and a wallet for the gig economy service providers.

DRIVEX

Fintech Startups in Estonia - Insurtech - driveX

DriveX is an industry leading vehicle verification AI powered solution. Using visual intelligence, SmartScan gives your customers real-time validation and guarantees trustworthy images every time.

INSLY

Fintech Startups in Estonia - Insurtech - insly

Insly which originally started as a spin-off of the IIZI Group takes a cloud-based system and turns it into a service for insurance agents and brokers. This simplifies their sales process, business administration and reporting.

INZMO

INZMO is an advanced insurance platform creating value and enhancing the experience of insuring for all parties involved in all key stages. They help insurers to become digital; corporates to increase their value proposition with insurance; and customers to enjoy instant experience in managing their insurance.

CONSUMER FINANCE

BB FINANCE GROUP

Fintech Startups in Estonia - Consumer Finance - BB Finance Group

BB Finance Group is a technology driven consumer credit company meeting the needs in today’s fast paced financial environments.

CREDITSTAR GROUP

Fintech Startups in Estonia - Consumer Finance - Creditstar Group

Creditstar Group is a rapidly growing international consumer finance company, headquartered in Tallinn, Estonia and operating in multiple European markets. Our vision is to build and deliver digital banking products of the future.

CREDY

Fintech Startups in Estonia - Consumer Finance - Credy

Credy was founded in 2013 in Tallinn, Estonia, where the headquarters is located to this day. Operating in the personal consumer finance field, Credy is the link between a client who is looking for a financial service and companies who provide it. With a strong emphasis on customer service, Credy is always striving to be the fastest and most convenient intermediary. The company has an innovative approach and a goal to be at the top in their field.

FAIROWN

Fintech Startups in Estonia - Consumer Finance - Fairown

Fairown is a fintech company that helps banks, brands, and retailers offer products as a service. Fairown provides a unique payment platform, allowing environmentally conscious businesses to offer products for monthly subscriptions, and manages product renewal cycles. The platform enables companies to increase sales and improve customer loyalty in a sustainable way.

IUTECREDIT

Fintech Startups in Estonia - Consumer Finance - iute credit

IuteCredit is a leading European personal finance company. The Group is specialized in consumer credits via its 100% subsidiaries using equity and loan capital. We make money, by turning our equity and investors limited term placements into IuteCredit installment loans.

KREDITEX

Fintech Startups in Estonia - Consumer Finance - kreditex

Working capital credit at Credit.ee is intended to cover the temporary need for funds of enterprises registered in Estonia. Credit.ee OÜ offers financing services to enterprises of all business sectors for any situation.

MOGO

Fintech Startups in Estonia - Consumer Finance - mogo

Primero Finance OÜ is a financial technology company under which are two brands – Primero and Mogo. Our main field of activity is the provision of vehicle-based credit solutions, and we have been operating in Estonia since 2013. Primero Finance OÜ is a part of the international company Eleving Group, which was founded in 2012. Today, the Eleving Group has developed into a strong player internationally.

RAHA24

Fintech Startups in Estonia - Consumer Finance - raha24

One of the first 100% Estonian quickloan-companies dedicated to providing professional and fast solutions to private citizens monetary issues in amounts of 100 to 1000 euro. Raha24 OÜ was founded in 2006 and its partners have been working on making it the largest and best-performing fast loan company in Estonia and currently looking for ways to expand our business to other countries.

ALTERNATIVE LENDING

ASKROBIN

Fintech Startups in Estonia - Alternative Lending - askRobin

askRobin is a credit marketplace for underbanked customers in emerging markets. They are working hard to help those underserved customer groups to gain better access to formal credit products, compare and choose the best option and save their money. It’s their mission to help people improve their financial profile, provide them with the best advice and lower the cost of borrowing.

BONDORA

Fintech Startups in Estonia - Alternative Lending - Bondora

Bondora is a P2P lending platform for unsecured personal loans. The platform claims to have 9000+ investors from 37 countries and 100,000 borrowers in 3 countries.

COINLOAN

Fintech Startups in Estonia - Alternative Lending - CoinLoan

CoinLoan is a platform for lending secured on crypto-assets (cryptocurrency, tokens) aimed at meeting the demand that cannot be satisfied by the traditional credit system. It provides borrowers with the most favorable conditions, and lenders – with the full repayment of their funds and the absence of risks. Any user can act as a lender or a borrower.

FIIZY

FIIZY is a financing app that helps you buy what you need right now. The money you need will be yours in minutes. We handle your application and connect you with multiple creditors, offering you the best tailor-made financing options on the market.

INVESTLY

Fintech Startups in Estonia - Alternative Lending - investly

Investly is a P2P invoice financing platform. The companies should have stable cash flows and be operating for at least 2 years in order to raise money on the platform. It also offers P2P factoring services where business can sell their outstanding invoices and investors bid in an auction to purchase those invoices.

IPF DIGITAL

Fintech Startups in Estonia - Alternative Lending - IPF Digital

IPF Digital provides fast, flexible and convenient credit solutions under the Creditea and Credit24brands to retail customers in Estonia, Latvia, Lithuania, Mexico and Australia.

Our solutions are designed to meet our customers’​ credit needs. They are delivered via a prompt and high-quality service that’s backed by our sophisticated technology platform. This makes the whole application process easy and hassle-free.

IUVO GROUP

Fintech Startups in Estonia - Alternative Lending - iuvo group

Iuvo is a P2P investing platform that offers high returns by connecting investors with loan companies. Invest in loans and make a significant profit online.

MIFUNDO

Fintech Startups in Estonia - Alternative Lending - mifundo

Mifundo is a pan-European cross-border platform, connecting people with banks regardless of their location. Our AI will find the credit offers based on client data and will find the best loan terms from banks over the Europe.

MODENA

Fintech Startups in Estonia - Alternative Lending - modena

Shop now and pay later with MODENA. Modern, fast and easy method to pay in 3 equal interest-free instalments. No interest. No fees. No extra cost. We are here to make your dreams come true. Shop what you love and get the experience you deserve.

MONESTRO

Fintech Startups in Estonia - Alternative Lending - monestro

Monestro P2P OÜ is an innovative crowdfunding company offering borrowers a simple and friendly way to borrow money at competitive rates based on their personal risk level.

MONCERA

Fintech Startups in Estonia - Alternative Lending - moncera

Moncera – a trustworthy peer-to-peer lending platform secured by experts.

MONEYZEN

Fintech Startups in Estonia - Alternative Lending - MoneyZen

MoneyZen is a financial portal for p2p financial transactions and convenient investment possibilities with reasonable conditions. MoneyZen’s vision is to become the most preferred and reliable advisory financial portal for the new generation in the Nordic countries, following principles to ensure higher quality, reliablity and safety is of key importance.

OREON (former BestCredit)

Fintech Startups in Estonia - Alternative Lending - OREON

BestCredit OÜ provides financial services to individuals and legal entities of the following types: small loan, secured loan, loan secured by real estate. Our advantages are flexible options for choosing a loan, relatively low interest and an individual approach to each client.

OMARAHAFintech Startups in Estonia - Alternative Lending - Omaraha

Omaraha is an Estonian p2p lending company that offers secured and partially secured loans from Estonia, Finland and Slovakia.

PLACET GROUP

Fintech Startups in Estonia - Alternative Lending - Placet Group

FAST CONVENIENT RELIABLE Our company aims to provide fast and convenient loan services according to customer needs, offering flexible solutions to satisfy demanding customers, while encouraging them to dream big and do what it takes to achieve their dreams.

PAYWERK

Fintech Startups in Estonia - Alternative Lending - Paywerk

The world’s first borderless buy now, pay later solution for e-merchants.

SCRAMBLE

The fundamental problem with startups is that they are very risky. Up to 90% of all startup investments lose money for the investors. Not particularly compelling odds, right? Scramble enables startups to raise debt against lifetime income of the founder. As long as a founder is comfortable to personally secure a startup loan, busy professionals may be willing to be a capital provider.

SWAPER

Fintech Startups in Estonia - Alternative Lending - swaper

Swaper is a marketplace platform offering to buy the claim rights for loan receivables where you can earn up to 16% annually. Simple, easy and transparent.

Since launching in 2016, we’ve demonstrated exponential growth and have raised among top investing players in Europe. To date, Swaper has exceeded 390+M EUR in cumulative investments.

PAYMENTS

ESTO

Fintech Startups in Estonia - Payments - esto

ESTO Group is a payment technology company with a creditors license from Estonian Financial Supervision Authority. ESTO’s mission is to enable merchants to sell and consumers to buy online in an easy, automated and safe way.

EVERYPAY

Fintech Startups in Estonia - Payments - EveryPay

EveryPay offers a payment gateway platform for acquiring service providers giving them access to state-of-the-art and continuously improving digital payment solutions with all the relevant tools to manage the acquiring side of eCommerce. For banks’ merchants, the platform provides a variety of necessary features enabling them to grow and scale by utilising world-class online payment solutions. They help their partners to be more agile and competitive.

INHOUSEPAY

Fintech Startups in Estonia - Payments - inhouse pay

Payment solutions in-house.

MAKSEKESKUS

Fintech Startups in Estonia - Payments - maksekeskus

Maksekeskus is the market leader in e-commerce payment solutions in the Baltics. We offer the most comprehensive suit of payment solutions (including bank links, payment initiation service, card payments, pay later) as well as highly valuable additional services like delivery integrations, donations, free refunds and more.

MONTONIO

Fintech Startups in Estonia - Payments - montonio

Payment solutions, financing & shipping for online stores. Join 5,000 ecommerce merchants & start enjoying low fees & top-notch customer support today.

OLPAY

Fintech Startups in Estonia - Payments - Olpay

Olpay offers an all-in-one experience for SMEs to launch, grow and scale up their business with embedded financial services including payment, advisory, lending, and expense management.

PAYTAILOR

Fintech Startups in Estonia - Payments - Paytailor

Paytailor is a mobile payment application provided to the merchants to accept point of sale payments leveraging carrier billing. Paytailor provides an app to the merchant that initiates the transactions. Merchant enters the required amount and shows a payment number, to which the payer give a call and hence completes the payment process. Carrier billing of 0.4€ is charged from the payer, which includes carrier fee of 32 cents and 8 cents of Paytailor payment fee. The merchant is charged 10€-19€ on a monthly basis for the application. The company has partnered with Fortumo, a carrier billing service provider.

PAYZOFF

Fintech Startups in Estonia - Payments - payzoff

Payzoff provides merchants with an ability to penetrate established and emerging markets alike, by providing 150+ international and local payment methods including, but not limited to: credit and debit cards, online banking, e-wallets, cash and mobile payments.

QUPPY

Fintech Startups in Estonia - Payments - quppy

Quppy is a licensed payment system. It consists of a crypto platform for private and corporate clients integrating classical banking services into the crypto world. Quppy Wallet provides fast exchange of a wide range of cryptocurrencies.

WEALTHTECH

CREZU

Fintech Startups in Estonia - Wealthtech - CREZU

At Crezu, we’re passionate about revolutionizing the world of FinAdTech. Our team of experts is dedicated to providing innovative solutions that meet the needs of our customers.

CRYPTORADAR

Fintech Startups in Estonia - Wealthtech - cryptoradar

Cryptoradar.com is a crypto data aggregation and comparison platform that helps users to find and compare the best places to buy crypto.

INCOME

Fintech Startups in Estonia - Wealthtech - income

Income is the first platform to offer simple and secured investments in loans. Easy start with quick investment strategies that enable you to grow your money up to 12% yearly, investing in assets secured by the loan originators’ listed loan portfolio. Income offers buyback obligation and “Cashflow Buffer” to protect investors in case all the risks identified materialize.

IPOHUB

Fintech Startups in Estonia - Wealthtech - ipohub

IPOhub is a complete platform for stock exchange investments, a stock exchange aggregator website and a metasearch engine for stock issuance offers and related information from around the world.

LIGHTYEAR

Fintech Startups in Estonia - Wealthtech - Lightyear

Lightyear is a simple way to invest your money globally without unnecessary barriers or fees. Capital at risk

QUANLOOP

Fintech Startups in Estonia - Wealthtech - quanloop

Quanloop is reinventing the way investing works! We’re the alternative to a piggy bank, offering you passive income starting from 1 Euro. We are growing at a rapid pace, and we need more talented people to help us enable others to earn a passive income without taking too high risks.

RAISON

Fintech Startups in Estonia - Wealthtech - Raison

RSN Finance is the operator and developer of Raison, an artificial intelligence platform designed to handle investments and personal finance. Raison aggregates all information about a customer’s cash flows (bank accounts, traditional investments, crypto) and develops different patterns based on the collected data to give personal advice to customers.

TRIBE

Fintech Startups in Estonia - Wealthtech - Tribe

We are Tribe, one of the leading private investment marketplaces in Europe – built to empower people around the world to earn passive income by investing in private markets in a simple, secure, and efficient way.

VORDLE

Fintech Startups in Estonia - Wealthtech - Vordle

Võrdle.ee helps you find the best insurance, electricity, gas and loan offers, quickly.

PERSONAL FINANCE

BRICKFY

Fintech Startups in Estonia - Personal Finance - brickfy

Brickfy is a marketplace for alternative investment: loans, crowdlending, equity crowdfunding, tokenised assets and NFTs

COSTPOCKET

Fintech Startups in Estonia - Personal Finance - Cost Pocket

Costpocket is the world’s easiest app which helps you to collect, digitalize, sort, archive and send your receipts to accounting software.

HÜPOTEEKLAEN

Fintech Startups in Estonia - Personal Finance - Hüpoteeklaen

Hüpoteeklaen AS offers loans secured by real estate. Mortgage loans are created by people with a long and thorough real estate and banking background who believe that real estate is a valuable asset in any economic environment and that real estate is an investment.

MONTONIO

Fintech Startups in Estonia - Personal Finance - Montonio

Montonio is a financing solution for merchants which improves conversion rates by finding customers fitting lenders.

MY FINANCIER

Fintech Startups in Estonia - Personal Finance - MyFinancier

MyF is your smart financier who will help you analyze your cash flows and give an overview of your asset allocation.

PERFI

Fintech Startups in Estonia - Personal Finance - Perfi

Perfi is a personal finance platform that combines all your bills and makes paying for them easy.

PUNK FINANCE

Fintech Startups in Estonia - Personal Finance - Punk Finance

PUNK Finance provides financial services that meet the changing needs of the customers in all walks of life.

REPHOP

Fintech Startups in Estonia - Personal Finance - RepHop

Rephop is an online solution for financial planning, consolidation and reporting.

SPARQ

Fintech Startups in Estonia - Personal Finance - SPARQ

Sparq OU is a Fintech company based in Estonia, Tallinn. We combine together banking sector, fintech market and retail companies to bring a seamless experience for millennials and gen Z by providing free payments within EU, loyalty system and modern fintech solutions!

VEERA

Fintech Startups in Estonia - Personal Finance - VeeRa

VeeRa is a startup established in 2016 that offers cloud-based financial planning and budget monitoring software for municipalities, organizations in the public sector and larger enterprises. Existing accounting softwares which are commonly used do not provide easy and understandable solutions when it comes to budgeting. VeeRa is an excellent and convenient tool for creating budgets and monitoring them.

XOLO

Fintech Startups in Estonia - Personal Finance - xolo

At Xolo, our mission is to make starting and running a modern microbusiness 10 times easier. Xolopreneurs can save up to 162 working hours a year on business administration so they can focus on running an awesome one-person business.

BUSINESS TOOLS

ERPLYBOOKS

Fintech Startups in Estonia - Business Tools - ERPLYbooks

Accounting software for business owners and accountants

ENVOICE

Fintech Startups in Estonia - Business Tools - envoice

All-in-one expense reporting and purchase management platform for SMEs, accountants & bookkeepers

REITERATE

Fintech Startups in Estonia - Business Tools - Reiterate

Automated cost control to manage usage-based pricing schemes.

WALLESTER

Fintech Startups in Estonia - Business Tools - Wallester

Wallester is a licensed payment service provider specializing in offering all-in-one white label card issuing, processing and payment transaction solutions. Our innovative SaaS ecosystem offers the best in class speed to market, flexible pay as you grow pricing model and requisite compliance maintenance and infrastructure support.

PRODUCT DEVELOPMENT/FINTECH TRANSFORMATION

MOONCASCADE

Founded by ex-Skype employees and serial entrepreneurs, Mooncascade is the regional market leader in product development. Our team of nearly 100 specialists have built over 200 products from the ground up so we know the struggles and time pressures of starting something new very well. They’ve helped companies like Wise, Monese and Twine bring their products to market and grow exponentially.

RINGIT

RingIT are the No1 IT partner in Estonia for the transformation from Finance To FinTech. They’re helping their partners disrupt the way financial institutions operate today. This unique knowledge of both fields allows them roll out new products and features with ease and in a cost-efficient way with their partners. Changing the scene of our FinTech field daily.

STRIGA

Fintech Startups in Estonia - Fintech Transformation - Striga

Wallester is a licensed payment service provider specializing in offering all-in-one white label card issuing, processing and payment transaction solutions. Our innovative SaaS ecosystem offers the best in class speed to market, flexible pay as you grow pricing model and requisite compliance maintenance and infrastructure support.

UNION FINTECH

Fintech Startups in Estonia - Fintech Transformation - Union Fintech

Union FinTech’s vision is a fully automated financial service. Together we will create an innovative solution for you to digitally transform your financial services. Your solution is digitally supported, i. H. Real-time, multi-channel, API-capable and a well scalable cloud-based solution. We help banks, credit unions, lenders, FinTechs, insurance companies, payment providers and forex brokers to improve their customer value proposition, profitability and agility of the business model.

POS

EKTACOFintech Startups in Estonia - POS - ektaco

Point of Sale Systems for restaurants, pubs, shops, sports clubs – CompuCash

KASSAHALDUS.EE

Fintech Startups in Estonia - POS - kassahaldus

POS software for your diner

REMITTANCE

TAVEXWISE

Fintech Startups in Estonia - Remittance - TavexWise

TavexWise offers fast and convenient cross-border money transfers at competitive rates. TavexWise is part of the Tavex Group – a leading Northern European currency exchange company, and constitute a cheaper alternative to traditional bank transfers. Send or receive money in cash or via bank transfer.

WISE

 

Fintech Startups in Estonia - Remittance - Wise

Wise is a money transfer service allowing private individuals and businesses to send money abroad without hidden charges. Wise lets expats, foreign students and businesses move money globally. The firm’s pricing and operating model are a substantial departure from standard practice in the money transfer sector, providing customers with a lower-cost alternative to traditional means of moving money internationally.

SME FINANCE

CREDIT.EE

Fintech Startups in Estonia - SME Finance - credit.ee

Working capital credit at Credit.ee is intended to cover the temporary need for funds of enterprises registered in Estonia. Credit.ee OÜ offers financing services to enterprises of all business sectors for any situation.

FINORA GROUP

Fintech Startups in Estonia - SME Finance - Finora Group

Finora Group is a parent company of Finora Bank, a digital-only, SME focused lender. We offer to our clients in Estonia and Lithuania flexible and favourable financing opportunities. We are not competing with retail banks and don’t want to be associated with payday lenders. Our focus is on broad range of loan products to SMEs: investment loans, working capital credit, factoring, leasing, guarantees.

INVESTLY

Fintech Startups in Estonia - SME Finance - Investly

Investly is a P2P invoice financing platform. The companies should have stable cash flows and be operating for at least 2 years in order to raise money on the platform. It also offers P2P factoring services where business can sell their outstanding invoices and investors bid in an auction to purchase those invoices.


You may submit your startup for consideration if you were not featured on our list.

Curious about other Baltic Fintech Startup Directories and lists? Here’s a nice overview page looking at the fintech startups directories in the Baltics by country.

Baltic Fintech Startup Directory

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