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is proud to announce the winners of our FinTech50 campaign 2026, celebrating the entrepreneurs and companies changing the global financial landscape. From payments and personal finance to blockchain and beyond 鈥� our list has it all!

Founded in 2016,听听is the UK鈥檚 best-known and fastest-growing startup and tech news site. This is where decision makers, investors and startups of all sizes and nature come to find out the latest developments and trends within the industry.

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See The List

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Feedback From The Judges

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The 2026 entries demonstrated that fintech鈥檚 most exciting chapter is about infrastructure, not just interfaces. Standouts like bunq, Datarails and Silverflow are rebuilding the rails others run on quietly but profoundly. What impressed me most was the depth of genuine AI integration: not marketing language, but AI that makes underwriting decisions, predicts distress 60 days out, and detects fraud before transactions clear.

The inclusion stories 鈥� Platcorp serving a million Africans, Creditspring expanding credit to those the system ignores, reminded me why this industry matters. The next FinTech50 will look very different. The foundations are being laid right now.

Chris Ball, CEO at Hoxton Wealth

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Several entries stood out for their clarity and depth of thinking. The strongest teams demonstrated a firm grasp of the operational realities behind their markets, particularly in areas such as payments, compliance, and financial infrastructure. Their submissions were specific and grounded, with a clear sense of how their products are implemented and adopted in practice. There was also a noticeable difference in how AI was presented, with the more compelling companies using it to support defined outcomes rather than as a general positioning tool. Overall, the most impressive entries combined practical execution with a mature understanding of risk, control, and trust within financial services.

Madhu Nadig, Co-Founder and CTO at

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This year鈥檚 FinTech50 entries reflect a market at a genuine inflection point. The dominant theme is clear: agentic AI is moving from pilot to production across fraud, compliance, treasury, and payments. What excites me is the shift from AI as a co-pilot to AI as an autonomous operator, orchestrating decisions, connecting ecosystems, and acting across agents. Alongside this, real-time payment infrastructure is finally maturing, making the promise of always-on, borderless treasury a reality. The strongest entries combine deep workflow embeddedness with genuine scalability. The weakest lack differentiation from commodity infrastructure. Overall, this list reflects where financial services is actually heading.

Jean-Baptiste Gaudemet, SVP Strategic Innovation Lab at

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Judging this pool reminded me how varied the fintech category has become, and how the focus has shifted from consumer apps to picks-and-shovels. The strongest entrants were almost uniformly infrastructure plays: Prometeo and Juspay as cross-border banking middleware, Ctrl Alt and Tokenovate operating inside regulatory sandboxes, and REGnosys owning the regulatory standard for ISDA trade reporting.

The most defensible positions belong to the companies that banks, regulators, and other fintechs genuinely depend on. Coming from the Nigeria and Kenya markets, two things stood out to me. First, FALKIN moves scam prevention upstream of the transaction itself. It鈥檚 the right shape of solution for a problem we see daily. Second, Bir ecosystem and Platcorp Group show what fintech consolidation actually looks like in under-penetrated emerging markets.

The pool鈥檚 main weakness was a long tail of payment-orchestration entries that struggled to articulate genuine differentiation against incumbents.

Tony Odiba, Co-Founder and Chief Product Officer at

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I know it may feel like I say this every year, but the entries really do get better and better each time! I genuinely enjoyed learning about all these companies and what they do.

But for me, Mia Wealth stood out the most because it feels like a different and useful fintech idea. Many finance and fintech companies are trying to get adults to save or invest better, but Mia Wealth starts much earlier.

I think turning birthday and Christmas gifting into investments for children is genius because it builds on existing family habits and behaviours instead of requiring people to learn completely new ones.

Also, the timing is just right 鈥� the cost of living is high and things like property feel harder to access. This is when parents must consider long-term financial security for their children. A business that helps families build wealth from childhood feels far more relevant today than it might have a few years ago.

Another thing I liked is that it has a female founder, Sophia Jarvis, building around a real consumer insight relating to motherhood and gifting, as well as money habits. I feel like it gives the business a more thoughtful angle.

Sometimes, it鈥檚 the simplest, most viable and most intentional ideas that win!

Zee Yende, Reporter at 91探花

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The top 50 candidates demonstrate strong alignment with meaningful financial service innovation, particularly across infrastructure, lending, payments, and embedded finance. I have prioritised companies that address genuine industry inefficiencies with a clear understanding of regulatory and operational constraints. The strongest entries show credible integration into existing financial ecosystems and a pathway to scalable, sustainable impact. Businesses with a solid grasp of risk, compliance, and real-world execution stand out clearly. Lower-ranked companies tend to be more consumer-focused or less differentiated.

However, overall, this cohort reflects a healthy balance between innovation and practical applicability within modern fintech.

Dr. Marko Sjoblom, CEO at

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Thank You To Our Judges

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Co-Founders: Didi Gurfinkel (CEO), Eyal Cohen (COO) and Oded Har-tal (CTO)

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About Datarails

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Datarails was founded in 2015 with a contrarian thesis in a market obsessed with replacing Excel. Research shows that 99 percent of financial professionals spend more than three hours a day in spreadsheets, and 89 percent of Gen Z and Millennial finance workers believe Excel will remain as important or more important over the next decade. Every major FP&A vendor told finance teams to abandon Excel for a new interface. Datarails made the opposite bet: build technology that enhances Excel rather than competes with it.

Building bidirectional integration between Excel and a governed cloud database required years of engineering work on data integrity, version control, and real-time synchronization. Investors viewed Excel enhancement as a limited market, forcing the founders to bootstrap. Finance teams had accepted manual consolidation as inevitable, and Datarails had to prove that powerful FP&A capability could sit inside the tools finance already knew, without retraining or the six-month implementation cycles that defined the category.

That thesis has since reshaped the fintech landscape for the Office of the CFO. In 2026, Datarails launched FinanceOS, the first governed financial data layer built for the AI era. FinanceOS connects ERP, CRM, HRIS, and 400 plus other sources into a single finance-validated model in as little as one day. Via Model Context Protocol, it serves clean, audit-ready data to any AI tool on the market, including Claude, ChatGPT, Gemini, Lovable, and Cursor. Rather than selling a fixed workflow, Datarails now sells infrastructure: the data layer that makes any AI tool enterprise-grade for finance.

The launch galvanized the fintech community. Fortune framed it as a bold bet that the traditional FP&A tools Datarails helped pioneer are now obsolete thanks to AI. Accounting Today covered the launch as the birth of an entirely new category in financial technology. The Secret CFO described the 175 million dollar funding total as a massive market bet on FinanceOS, arguing the path to a high-performance finance function runs through integration rather than replacement. Fintech commentator Linas Beliunas wrote that the real bottleneck in finance software has shifted from modeling to infrastructure.

The market has validated the thesis. Datarails closed a 70 million dollar Series C in January 2026 led by One Peak, bringing total funding to 175 million dollars. Revenue grew 70 percent year-over-year in 2025, with more than half coming from products launched in the prior 12 months. Customers report 80 percent reductions in reporting cycle time. Tangoe cut month-end reporting from three weeks to three days. La Fosse answers variance questions in 10 seconds that previously took two hours.

Datarails is also shaping the fintech workforce conversation. The CFO Office 2.0 report, published by Datarails in 2026, found that one in three finance roles now requires AI skills, up from one in four a year ago, with FP&A roles leading at 43 percent. Datarails also earned a place on the Inc. 5000 ranking of fastest-growing private companies in the US and ranked 113th on the Deloitte Technology Fast 500.

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Co-Founders: Andrew Jamison (CEO), Danny Morrow (Chief Innovation Officer) and Guillaume Bouvard (Chief Operations and Marketing Officer)

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About Extend

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Extend is a spend and expense management platform that makes it easy for businesses to control spending and simplify expense processes without switching banks or opening new credit cards. The company launched in 2017, founded by leaders in business-to-business payments and enterprise software who saw a gap between modern digital payments and the limited tools available to finance teams. Many businesses wanted real-time control, security, and data around card spend, but did not want the disruption of changing banks or card programs.

From the start, Extend focused on building on top of the cards, banks, and finance systems that companies already use instead of trying to replace them. This required solving several structural challenges in the payments ecosystem. Card networks, issuing banks, processors, and accounting platforms were designed long before virtual cards and real time controls became common. Connecting these systems in a secure and reliable way, while remaining card and bank agnostic, demanded deep technical work, careful product design, and close collaboration with financial institutions.

Another major challenge was the decision to follow a partner-first model. Rather than competing with banks, Extend chose to work through them. That meant meeting strict standards for compliance, resilience, and usability, and earning the trust of large financial institutions that are naturally cautious about new technology providers. Overcoming these hurdles has been central to the company鈥檚 growth.

Today Extend helps move virtual cards and modern expense workflows into the mainstream of business to business payments. Companies can connect eligible Visa, Mastercard, and American Express commercial cards, issue virtual cards in seconds, set granular limits by vendor, budget, or project, and sync transactions directly into leading accounting and enterprise systems. This gives finance teams real time visibility and control over spending without changing their existing bank relationships.

Extend has also had a meaningful impact on the wider FinTech and banking landscape. Bank partners use the platform to offer modern virtual card and expense features without rebuilding their own infrastructure, which helps them defend and grow commercial card programs in a fast-changing market. For customers, Extend raises expectations around how flexible, data-rich, and integrated business card payments should be. Looking ahead, the company plans to deepen bank partnerships, expand integrations across finance and enterprise software, and apply AI to remove more manual work from payment and reconciliation workflows, with the goal of setting a new standard for business card payments from bank to general ledger.

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CEO and Co-Founder: Jeppe Rindom听

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About Pleo

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Pleo launched in 2015 with a simple ambition of bringing spend management into the 21st century, finally giving finance leaders the complete control, confidence and clarity they deserve. It was built for CFOs by a CFO, shaped by a peer-level understanding of what finance teams were battling day-to-day.

Expense reporting was still a messy paper trail. Employees were fronting cash, losing receipts and chasing reimbursements. While finance teams were stuck with fragmented tools, manual data entry and reconciliations, adding up to hours and days wasted on admin and hindsight reporting. This gap was the single biggest constraint in business growth/acceleration.

Cue Pleo. We jumped in to set a new standard for spend management in Europe.

We launched with a conviction like no other: give people smart company cards, real-time visibility, and the right policies, and you don鈥檛 need to police spend. You make it work by design. From day one, we believed that finance should enable, not obstruct, and that employee autonomy can coexist with strong guardrails.

Our biggest early challenge wasn鈥檛 only building the product, it was changing behaviour. Decades of habit had made expense reports feel inevitable. Pleo had to make the alternative feel obvious: a system that is faster for employees and more reliable for finance, without compromising oversight.

Pleo created a new category in European fintech. Real-time spend management built on visibility by default, trust within guardrails, and data that syncs to accounting automatically. That influence reshaped expectations across the SME finance stack. Established players, including banks and accounting software providers, have moved to match capabilities that Pleo pioneered. Most significantly, Pleo proved that trust-based financial tooling works. By giving employees autonomy within guardrails doesn鈥檛 increase risk, it reduces it.

Today, finance leaders are expected to be strategic partners 鈥� yet they鈥檙e still operating in the dark, with disconnected tools, manual workflows and limited oversight. The role has evolved. The systems haven鈥檛.

With economic uncertainty and rising costs adding fresh pressure, finance teams need more than expense management. They need complete control. That鈥檚 why we鈥檝e continued to build, creating a platform that gives finance teams total visibility of company spend, inside and outside of Pleo, with one simple way to track, manage and optimise it. The companies winning right now aren鈥檛 just monitoring spend; they鈥檙e attributing it to purpose, forecasting with confidence, and connecting financial data to commercial outcomes.

The next step in Pleo鈥檚 evolution takes that further. Pleo Embedded allows businesses managing large networks of SMB customers to offer real-time spend and cash management capabilities directly from their own platform, fully white-labelled or co-branded, and live in a matter of weeks.

We鈥檙e building a future where technology doesn鈥檛 just track spend; it helps businesses shape what鈥檚 next. A future that鈥檚 more connected. More strategic. More decisive.

That future was always the plan. Because Pleo was built for CFOs, by a CFO, and shaped from day one by someone who knew exactly what finance teams were up against every day and every month-end.

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CEO and Founder:听Dymtro (鈥淒ima鈥�) Tarasenko

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About Meet Warren

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TLDR: Meet Warren is an AI financial planning platform built for the UK. Agentic, bespoke and unbiased. It does one serious task, seriously well: builds a high quality personal financial plan that evolves with you. No jargon, no advice, no hidden agenda. Founded 2025. 3000 plus plans generated. Backed by Founders Factory. Entering seed round.

What if everyone in the UK could build themself a serious long term financial plan鈥� in 10 minutes鈥� for free? If you like the sound of that, you should meet warren.

Meet Warren is the app that was missing from your finance folder. It enables anyone in the UK to build a clear, long term financial plan in minutes, for free.

Financial planning is broken. It is expensive, time intensive, and often inaccessible to the people who need it most. Across income brackets, long term planning engagement remains critically low, driven by complexity, low financial literacy, and behavioural avoidance. Most people either guess, delay, or disengage entirely.

Meet Warren changes that.

Founded in 2025, with a public launch in October 2025 and a major product iteration in early 2026, the company has built an AI platform that turns financial planning into a fast, structured and repeatable behaviour. Users complete a short voice call and receive a personal plan in around 15 minutes. They can model scenarios, explore trade offs, and continuously adapt their plan as their life evolves.

Under the hood, Warren combines agentic AI with a curated UK specific financial knowledge base. Instead of relying on user prompting, the system drives the interaction, asking the right questions and structuring inputs to produce accurate, relevant outputs. This solves a key limitation of generic AI in financial contexts and ensures consistency at scale.

Traction is strong and early. More than 3000 plans have been generated, with a high proportion of users returning monthly to review progress and update their position. This signals a shift from one off planning to ongoing engagement.

The company is defining a new category: consumer facing AI financial planning. Real FinTech (as we like to put it). Not product distribution. Not back office tooling. A direct to consumer platform designed for the large, underserved audience that has historically self excluded from financial planning and advice.

The model is deliberately non advisory. Warren provides modelling, education and structured insight, allowing users to stay in full control of their decisions. This removes conflicts of interest and builds trust while aligning with regulatory direction.

Growth is product led. The initial plan is free, removing friction and enabling scale. Our roadmap includes deeper personalisation, richer scenario modelling, and selective integrations that enhance visibility without compromising privacy. [Further initiatives extend beyond what can be shared publicly today.]

Meet Warren sits at the intersection of AI, financial literacy and behavioural design. As AI reshapes financial services, the company is focused on where it matters most: helping people make better financial decisions.

The thesis is simple. Give people clarity, structure and momentum, and they will take control of their financial future.

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CEO Co-Founder:听Gaby Diamant

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About听BridgeWise

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BridgeWise was founded to transform how investors and financial institutions access and act on investment intelligence through transparent, explainable and compliant AI. Led by co-founder and CEO Gaby Diamant, the company has scaled into a global platform serving more than 100 institutional clients and 35 million end users across over 15 languages.

From inception, BridgeWise set out to close the gap between the growth of market data and the ability to convert that data into clear, trustworthy and regulatory-aligned insights. Traditional analytics tools often lack scalability and clarity and general AI models and LLMs struggle to meet the strict compliance standards required in financial advising. This created a critical need for intelligence that is both advanced and accountable in the industry.

BridgeWise has built domain-specific wealth AI purpose-built for investment analysis, meaning the technology delivers explainable insights across equities, funds, alternative assets, and fixed income, while maintaining alignment to regulatory frameworks. Its multilingual capabilities further expand access, enabling investors globally to engage with complex financial information with greater confidence in their native language.

A key milestone in BridgeWise鈥檚 journey is the 2026 acquisition of Context Analytics, significantly strengthening capabilities in processing unstructured data such as news, filings and social media sentiment. This advancement enables a fully connected intelligence lifecycle, from raw data ingestion through to real-time, decision-ready insights, positioning BridgeWise as a foundational layer in next-generation wealth intelligence infrastructure.

With the recent launch of its product FixedWise, BridgeWise now offers the first AI solution delivering granular bond level intelligence at scale for the European market and beyond. As fixed income markets expand rapidly, FixedWise addresses the longstanding gap by enabling detailed, standardised analysis across individual bond issuances. Investors can assess risk, yield, duration and structure with clarity, supported by AI-generated explanations that simplify traditionally complex instruments.

BridgeWise鈥檚 suite of products, including StockWise, FundWise, SignalWise and Bridget, empowers financial institutions to deliver personalised, compliant and scalable insights to their clients. By combining explainability, scalability and regulatory alignment, BridgeWise provides a trusted alternative to LLMs and supports more informed decision making across markets.

Through partnerships with leading exchanges, banks and trading platforms, BridgeWise continues to expand access to investment intelligence, reshaping how financial insights are created, delivered and understood.

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Co-Founders and Co-CEOs:听Ximena Aleman and Rodrigo Tumai谩n

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About Prometeo

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Prometeo is a borderless fintech infrastructure company that connects global corporations to more than 7,500 financial institutions across 50+ countries through a single API. Where others see a patchwork of incompatible payment rails, fragmented data standards, and bank-by-bank complexity, Prometeo sees a solvable infrastructure problem and has spent the last several years building the layer that solves it.

The company was founded in Uruguay by Ximena Aleman and Rodrigo Tumai谩n, who identified a persistent structural gap across Latin American financial markets: banks were not interoperable, integrations were custom and slow, and scaling across countries meant rebuilding from scratch in every new market. Rather than work around that fragmentation, Prometeo set out to absorb it entirely, building a translation and enrichment layer that standardizes what comes back from banks and enriches what goes in, so that transactions can actually complete, not just connect.

That core insight has since proven universal. The same fragmentation that defined Latin America also characterizes financial infrastructure in the United States and across global markets. Prometeo now operates across 50+ countries, including the US, and counts JP Morgan, Citi, SWIFT, MercadoLibre, Bancolombia, Santander, and BBVA among its partners and clients.

Through one integration, businesses using Prometeo can validate bank accounts and identity data, move money via account-to-account payments, manage treasury visibility across jurisdictions, and orchestrate cross-border financial workflows without managing multiple local providers or rebuilding infrastructure market by market.

The business has scaled steadily since its Series A in January 2024, a $13M round led by Antler Elevate, with participation from PayPal Ventures, Samsung Next, DN Capital, Cometa, and Magma Partners. Since that raise, Prometeo has delivered a 150% increase in customer growth, a 7x increase in cross-border account validations in 2024, and the launch of its Borderless Banking suite and Agentic Banking product, the first AI-driven financial infrastructure layer in the region, enabling intelligent agents to autonomously perform financial operations within a secure, auditable, and compliant architecture.

Prometeo also tracks the real cost of the problem it solves. Based on millions of verifications processed across the Americas in 2025, its data show that 19% of corporate transactions fail before being sent: 12% due to incorrectly entered data and 7% to non-existent or inactive accounts. In Brazil, total operational risk from failed payments reaches 50%. These are not edge cases. They are infrastructure failures with direct capital consequences, and Prometeo is the layer that prevents them.

Co-founder and Co-CEO Ximena Aleman was recognized as a World Economic Forum Technology Pioneer in 2025 and named among the Top 100 Women in FinTech. Co-founder and Co-CEO Rodrigo Tumai谩n brings deep expertise in cybersecurity and financial compliance, and currently serves as President of the Uruguayan Fintech Chamber.

Prometeo鈥檚 vision is straightforward: a company in Mexico should be able to validate a US account, send a payment in Brazil, and manage treasury across markets in real time, through a single integration, without it feeling exceptional. That infrastructure already exists. Prometeo built it.

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CEO:听Stiven Muccioli, Luca Bertozzi, Federico Zambelli Hosmer

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About BKN301

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Who We Are

BKN301 is a next-generation fintech infrastructure built on a composable ecosystem that integrates orchestration, AI, and digital assets capabilities for financial institutions. The BKN301 Orchestrator platform accelerates time-to-market for new products, reducing transformation timelines by up to 60鈥�70% from 18鈥�36 months to 6鈥�9 months, and in some cases from 9 months to 9 weeks, simplifies integration with external providers, and enables faster adaptation to regulatory and market changes.

The company was founded in 2021 to address a key challenge in financial services: fragmented systems and inconsistent data that hinder innovation, raise costs, and complicate change. Financial institutions often operate across disconnected environments, including core banking, payments, credit, compliance, and third-party services. While many providers offer integration or data management tools, BKN301 distinguishes itself by delivering a unified orchestration layer that centralises and standardises data across all environments, rather than relying on patchwork solutions or point-to-point integrations.

What We Do

This approach ensures all systems use a consistent, real-time data foundation, setting BKN301 apart in a market where most competitors provide less cohesive solutions, increasing data accuracy to 80鈥�100% and reducing reporting preparation time by up to 70%.

Central to this approach is the Data Decoupling Layer, which standardises and harmonises data across systems and providers. It eliminates duplication, reduces inconsistencies, and ensures continuous data availability.

By separating data from underlying systems, BKN301 enables institutions to evolve their architecture, integrate new services more easily, and maintain operational continuity during changes or outages, supporting continuous service availability and reducing customer complaints by up to 40%.

A key milestone was the acquisition of Planky in late 2025, an artificial intelligence firm focused on advancing the interpretation and use of financial data. This allows BKN301 to move beyond orchestration into intelligent data usage, combining structured data with advanced analytics and machine learning. Institutions can deploy AI-driven solutions to detect fraud and identify suspicious transactions in real time. Advanced analytics also enables personalised customer recommendations based on behaviour patterns and transaction histories, improving engagement and satisfaction, while reducing AI data preparation time by 50鈥�70% and cutting retraining cycles by up to 40%.

Impact and Growth

BKN301 is redefining how financial infrastructure is built and operated in the fintech industry. Its composable model lets institutions add, replace, or scale services independently, without rebuilding their entire platform.

Operating across Europe, the Middle East, and Africa, BKN301 supports banks and fintechs in modernising systems while maintaining control over data and environment. By bridging fragmented infrastructure and intelligent data use, BKN301 enables financial services in which systems are connected, data is consistent, and institutions can evolve with confidence. Since entering the market in 2021, BKN301 has reached operational break-even, recorded overall growth of 187 percent, and reported 2024 gross revenues of 拢15.9 million up 51 percent YoY, with net revenues increasing 236 percent YoY. BKN301 also secured a 拢18.6 million Series B funding round, reinforcing investor confidence and supporting global expansion.

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CEO and Founder:听Matt Ong

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About Ctrl Alt

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With over $1.4 billion in assets tokenised, Ctrl Alt is a leading tokenisation infrastructure provider and operator in global digital capital markets. The fintech firm integrates blockchain technology with advanced financial engineering to deliver compliant, end-to-end tokenisation solutions across funds and alternative assets.

Founded in 2020 and launched in 2022 by Matt Ong, the business was built in response to a structural inefficiency in traditional financial markets. While working at a major investment bank, Matt observed that high quality opportunities across alternative assets such as real estate, collectibles and private markets remained inaccessible to most investors due to minimums, distribution constraints and network barriers. Ctrl Alt was created to address this imbalance by redefining how ownership and access are structured.

Ctrl Alt initially launched as a B2C mobile app, enabling retail investors to access hard-to-reach alternative assets through tokenisation and fractional ownership. Within two years, driven by market demand and the teams institutional background, the company transitioned to a B2B model, partnering with financial institutions, fintechs and governments. This shift enabled the platform to scale into larger and more complex asset classes while maintaining its core objective of expanding access and modernising market infrastructure.

Today, Ctrl Alt operates as a leader in tokenisation and key operator in digital capital markets. The firm works with a range of global organisations, including the Dubai Government, Ripple, SEI, Solana and Enterprise Ireland, alongside many other tier one financial institutions. Ctrl Alt has been selected for the Bank of England Digital Securities Sandbox and admitted into the Banks Synchronisation Lab programme.

Regulatory coverage includes FCA authorisation in the UK and VASP licensing from VARA in the UAE, where Ctrl Alt became the first firm to receive an Issuer licence. The firm also holds a Broker Dealer licence from VARA. This regulatory footprint, combined with a strong legal understanding of the digital assets landscape, enables Ctrl Alt to deliver compliant solutions aligned with the requirements of financial institutions and governments.

A defining milestone over the past year has been its role in the Dubai Land Department Real Estate Tokenisation Project. This initiative enables investors to access fractional property ownership from 拢400, lowering entry barriers. The first property issuance sold out in under 24 hours, with subsequent offerings completing in under two minutes. To date, 10 properties have been tokenised, attracting more than 2,000 investors across 50 nationalities. Secondary market functionality has also been introduced, enabling 24/7 trading and improving liquidity in what has traditionally been an illiquid asset class.

Ctrl Alt operates at the convergence of traditional finance and blockchain technology. Its focus on regulatory alignment, proprietary technology, scalability and institutional usability positions the firm to support the continued evolution of digital capital markets.

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Co-Founders: Christian Nothacker (CEO) and Luca Terragni (CRO)

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About Prestatech

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Prestatech is a credit intelligence platform that uses bank account data and document automation to help banks and lenders make smarter, faster, and less risky lending decisions.

We were part of the first generation of digital SMB lenders in Europe, selling our previous startup, Prestacap, to DEPObank and then reacquiring the technology and pivoting to become an intelligence layer as Prestatech.

We entered the market as founders from the other side of the fence鈥擯restatech was built by a team that had originated loans, managed portfolios, dealt with defaults and learned first-hand which data signals actually matter when capital is at risk. We lived the very problems that we set out to solve.

Our platform has three core capabilities: automated ingestion and data extraction with automated fraud checks of financial documents such as bank statements and tax returns; enrichment of raw transaction data with behavioral signals and categorization; and real-time cash-flow credit scoring and analytics鈥攃overing more than 50 financial and behavioral KPIs鈥攂ased on actual income and expenditure patterns rather than historical bureau data.

Our solutions improve both growth and risk control, addressing two top priorities for banks: growing thin files and SMB loans, and strengthening profitability. Specifically, because of our insights and analytical capabilities, we are able to uncover healthy borrowers that may otherwise be rejected鈥攆or one Tier 1 bank, this turned out to be 20% of borrowers it had either rated poorly or not scored at all. Because our platform picked up on the more accurate signals, we found that this 20% of borrowers actually had strong cash flow and solid repayment capacity. Ultimately, we unearthed a significant number of lending opportunities that the bank had been sitting on without realizing.

Conversely, our scores have also better mitigated risk. We have flagged borrowers that a bank has rated as performing, finding that the opposite was the reality: they were below 40 (out of 100), meaning the cash flow data was already showing distress. Three months later, the bank reclassified them as non-performing鈥攚e caught the defaults long before they showed up in the bank鈥檚 delinquency numbers.

We have established great relationships with institutions across Europe and the US, with notable clients such as Intesa Sanpaolo, Banca Aidexa and Facile.it in Italy; Sennder and Vermieterwelt in Germany; and Aqeel Finance in the US.

Designing a highly accurate categorization engine in multiple languages was a core challenge, but definitely rewarding, too.

Our cash flow scores have been used by banks to develop an internal rating that is supervised by the ECB for better ratings, optimized risk-weighted assets and more efficient lending.

To date, we have categorized 40 billion transactions, scored more than four million counterparts, and detected over 40,000 counterfeited or manipulated documents.

One of our highlights is being named in CNBC鈥檚 World鈥檚 Top FinTech Companies in 2025. We have also been selected for competitive accelerator programs in 2025: German Accelerator, Innovit, as part of cohorts of highly promising European start-ups to enter the US market.

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