Top 50 Payments Angel Investors in Europe (October 2023)

Portfolio highlights

• Arkifi — Arkifi is an artificial intelligence company that develops AI-powered financial analyst tools. Arkifi's framework generates consistent results that avoid fabricating factual details (referred to as "hallucination"), instilling enterprises with an unmatched level of confidence in the outcomes.
• Kavida.ai — Kavida helps procurement managers ensure on time deliveries and improve supplier collaboration.
• Renew Risk — Renew Risk is a software development firm that offers B2B SaaS solutions based on deep science for optimizing the financial lifetime of major renewable energy assets.

Portfolio highlights

• Meatable — Meatable is a food production company that produces real and guilt-free meat. With one cell, they are revolutionizing the meat industry's impact on climate change and animal welfare. At the same time they increase food security, without compromising the culinary experience of eating tasty, real meat. They aim to satisfy the world'sappetite for meat without harming people, animals, and the planet.It was founded in 2018 and is headquartered in Delft, South Holland, The Netherlands.
• Open Cosmos — Driven by the vision of making space accessible to anyone, Open Cosmos provides simple and affordable space missions.Open Cosmos went from design to delivery of qb01, their first nanosatellite, in only four months, followed by a launch and deployment in LEO early April 2017. They are currently working with innovative payload developers towardsin-orbit demonstration and constellation deployment to enable services ranging from remote sensing to maritime domain awareness and machine-to-machine communications.
• Unearthly Materials — Unearthly Materials is a transformative materials company focused on delivering practical room-temperature superconductors and powering the century of superconductivity.

Portfolio highlights

• Sync Savings — Rebuilding the infrastructure of cash savings
• Superlayer — Superlayer drives better performance for sales teams, leveraging and automating best practices to close more deals in less time.
• Morphoses — Unlocking Potential: Empowering 6-17 Year-Old Learners with Future-Focused Soft Skills for Education and Employability

Portfolio highlights

• Muzzo — Muzzo is an AI-powered recruitment marketplace.
• Bitstack — Bitstack is a simple and automated bitcoin savings solution. Round up your purchases and save the spare change in bitcoin or schedule recurring purchases to save regularly.
• CINETPAY — CinetPay is a mobile money payment hub that federates mobile money payment methods in Africa.

Portfolio highlights

• Verisian — Verisian accelerates drug time to market with the industry's first platform offering real study traceability (CDISC, SDTM, ADaM, TFLs)
• Superlayer — Superlayer drives better performance for sales teams, leveraging and automating best practices to close more deals in less time.
• Kuai Commerce — Kuai Commerce is a next-generation solution for ambitious brands looking to sell directly to Chinese Gen Z consumers through the power of social commerce. Our tech-enabled services provide market entry and brand acceleration options for emerging category-leaders who otherwise would find the complexity of China prohibitively challenging

Portfolio highlights

• Swaap — We build the market-neutral AMM protocol.
• Kraaft — Kraaft.co is an instant messenger app dedicated to site monitoring for VRD public works trades: roads and various networks. Paris, Île-de-France in 2019.
• Hyperline — Enjoy the most flexible billing platform for B2B SaaS businesses. Start today without a single line of code.

Portfolio highlights

• Alpha Vault — Alpha Vault is a decentralized crypto investment platform
• Sync Savings — Rebuilding the infrastructure of cash savings
• Sidekick — Expertly-managed portfolios for the modern investor

Portfolio highlights

• Zelt — Manage everything from HRIS, payroll, pension, devices, apps and more seamlessly in one central hub, for all processes and applications, third-party included. Improve productivity through enhanced employee experience.
• Claimer — Claimer is a self-service application that gets credit claims done easily of money spent on research and development. Its platform empowers company owners and advisors to prepare their claims, without any specialist knowledge, no matter how big or small the claim. It also prepares and submits the amended tax return for free.Claimer was founded in2019 by Adam McCann and is headquartered in Croydon, United Kingdom.
• Ritual — Couple Goals Made Possible. Relationship Support For Busy People, Practical Tools & Expert Feedback

Portfolio highlights

• Lick — Lick | Paints, Wallpapers and Supplies. Your Room, Covered
• Pharmacierge — Pharmacierge is the digital e-prescribing service chosen by private clinicians to deliver medication to their patients throughout the UK and worldwide. Clinicians create and transfer e-prescriptions to our pharmacy near London's Harley Street, for free delivery to their patients either the same day or next weekday
• Vyne Technologies — Vyne Technologies is the specialist account-to-account payments platform.

Portfolio highlights

• Outverse — A community platform that's easier to use, better organised and designed for real interaction.
• CultureAI — Measure and improve human cyber risks and security behaviours to prevent security incidents. Go beyond security awareness training, start your free trial today.
• finway — finway provides financial guidence to SMEs, plan & control all expenses and budgets in one tool.

Portfolio highlights

• Arrago — Arrago is a Fintech lending platform providing French Lifetime Mortgages
• KillBills — KillBills is a application software that provides banking, payment card, consulting, financial, and digital receipt services.
• OMAJ — Second-hand fashion platform for sellers and buyers

Portfolio highlights

• Kompliant — Kompliant’s configurable, purpose-built workflow is fully integrated with best-in-class data providers to address the entire compliance lifecycle through embedded compliance management.
• FairPlay — The first Fairness-as-a-Service solution for fair lending compliance. Assess your automated decisioning models in minutes to increase fairness and profits.
• Ritual — Couple Goals Made Possible. Relationship Support For Busy People, Practical Tools & Expert Feedback

Portfolio highlights

• NFT Metadata Editor — Edit and customize the metadata of your NFTs. Connect your wallet, select the NFT, and this tool will allow you to modify the metadata, charging a fee for the service.
• NFT Exhibition Space — Showcase your NFT collection in a virtual exhibition. Connect your wallet, select the NFTs, and this tool will create a virtual exhibition space for your collection.
• Crypto Wealth Manager — Connect your wallet, input your holdings and financial goals, and this tool will provide portfolio management features and recommendations.

Portfolio highlights

• Flowdesk — The new standard for market-making and crypto-financial technology. Market-making as a Service, brokerage, custody of cryptocurrencies.
• Hero — Hero is a B2B payments and financing platform, offer direct online payment experience and receive your money immediately.
• Payable — Scale your business with our payment operations API and dashboard. Track, reconcile and make payments instantly.

Portfolio highlights

• Jet HR — Jet HR makes managing people incredibly simple: payroll, benefits, devices, compliance and much more. We re-thought the HR function, removing anything that is cumbersome and simplifying any action on employees. We are funded by the best Italian VCs (Exor Ventures, Italian Founders Fund and 6 more) and by the best Italian founders (founders ofCasavo, Satispay, Scalapay, Bending Spoons, Musixmatch, Talent Garden, Oyster HR, etc).
• Futura — Futura makes high quality education accessible to everyone. Our AI-based platform uses Deep Learning to optimize your study time and test scores by learning from your past mistakes and targeting weak points with extra attention. We completely personalize learning, using a data-driven approach and modular classes that adapt to students’ individualneeds.
• Superlayer — Superlayer drives better performance for sales teams, leveraging and automating best practices to close more deals in less time.

Portfolio highlights

• Atoa — Accept in-store payments using any UK Bank App. Merchants save up-to 70% versus cards and get paid faster. Sign-up in three minutes.
• Yonder — A modern lifestyle credit card packed with rewards, no foreign exchange fees, and loads more. Apply without needing a UK credit score.
• Context.ai — Context.ai is product analytics for LLM applications. Understand your users and improve their experiences in your LLM powered products.

Portfolio highlights

• 5Mins — 5Mins is the new microlearning platform that helps your employees build in-demand skills fast with AI-powered personalisation and advanced gamification.
• Oto Health — Take back control of your tinnitus with Oto, the app built by doctors that teaches you how to stop noticing the ringing using clinically proven techniques. Includes CBT, targeted mindfulness, and relaxation. 86% users experience benefits after just 1 month.
• Pharmacierge — Pharmacierge is the digital e-prescribing service chosen by private clinicians to deliver medication to their patients throughout the UK and worldwide. Clinicians create and transfer e-prescriptions to our pharmacy near London's Harley Street, for free delivery to their patients either the same day or next weekday

Portfolio highlights

• VALK — DeFi Portfolio Management System
• Thirdfort — Automated identity verification and AML compliance for lawyers and property professionals.
• Aerotrax — The Next Generation of Aircraft Maintenance Software. Aerotrax is an enterprise software company focused on digitally tracking the lifecycle of every aircraft, part, and component.

Portfolio highlights

• Screeb — Make products your users will love by using Screeb, the all-in-one tool for Product Discovery. Product analytics, user recruitment, and more!
• Spades — Guests Scan a QR code to view the menu and Pay, they can also Split the amount and Tip the staff. Now faster than ever.
• Morpho Labs — Morpho is an on-chain peer-to-peer layer on top of lending pools. Rates are seamlessly improved for borrowers and lenders while preserving the same guarantees. Morpho combines the efficiency of P2P with the liquidity of lending pools. Users enjoy an improved APY while maintaining the pool’s flexibility

Portfolio highlights

• Prematch — Prematch leverages AI/NLP technology to automate content aggregation and curation for all non-professional football players in Germany. As a second step, Prematch uses its holistic data silo to create pro-level interaction and gamification experiences for the non-pro ecosystem.
• Knowunity — Knowunity is the digital learning platform with summaries, study notes, presentations, answers, and more in one app.
• Tomorrow University of Applied Sciences — Build the skills, competencies, and mindset needed in the 21st-century with our fully-remote and flexible bachelor's and master's degrees.

Portfolio highlights

• Cryptr — Convert more B2B customers with our authentication SSO solution. A few lines of code to be SSO-ready, and you can start working with enterprise customers
• Abyssale — Abyssale is a banner creation platform enabling you to generate stunning social media & online advertising for your brand.
• Klub — Exclusive investment opportunities, stunning banking services, breathtaking lifestyle experiences: discover Klub.

Portfolio highlights

• Xceed — Go out and live the best night events, parties & festivals at top clubs, bars and restaurants from around the world. Guest lists, tickets & VIP bottle service.
• Tuvalum — Make used bikes great again! Tuvalum is the largets and most trusted site in pre-loved bikes. Every used bike is carefully certified by our expert mechanics. Our mission is to transform the bicycle industry for a more sustainable future through digitization and a great customer experience. Get the bike you really need for your goals and needs, allthe bikes are supremely certified by expert mechanics.
• Qoala — Qoala, founded in 2019, is a browser extension that finds and applies discount codes on online stores and provides its users with cashback, creating a more reliable purchase funnel for more than its 3000 affiliated stores and ensuring its customers will take advantage of the best available deals while shopping online.

Portfolio highlights

• micro1 — We help companies hire and manage the best software engineers easily.
• Skedway — Every work experience should be great! Skedway is the complete platform to optimize the hybrid work experience.
• NewHomesMate (formerly Propertymate) — Find, compare and buy a new construction home - all in one place.

Portfolio highlights

• Mistral AI — Frontier AI in your hands
• Omada — Get in on the action with Omada, the ultimate and insanely fun Sports Prediction Community.
• Poolside — Poolside is an artificial intelligence platform intended to offer cutting-edge foundation concepts and infrastructure.

Portfolio highlights

• GET Protocol — Supercharge your tickets with NFTs and the Blockchain. Easily implement the latest technology and unlock the benefits of truly digital tickets with GET Protocol.
• Lens Protocol — Lens Protocol is a composable and decentralized social graph, ready for you to build on so you can focus on creating a great experience, not scaling your users.
• Bring It On — Bring It On is a mission to redefine the skill games category, merging strong technological infra.

Portfolio highlights

• Closd — CLOSD is a legal transaction management platform created by former business lawyers. It brings together lawyers and parties in a safe space, facilitates and ensures document exchange, simplifies project organization and management with interactive check lists, automates signings and closures with electronic signatures in a secure interface toauthenticate the signatures, and creates archives on transactions once they are closed.
• Coinhouse — Buy Bitcoin, Ethereum and Litecoin on Coinhouse, consult our educational content or visit our physical space, Coinhouse Store. Invest in the future, today.
• Spot — Spot makes crypto easy & safe. A wallet for NFTs, Bitcoin, Ethereum, Solana & Tezos. Connect to OpenSea, Uniswap & all of DeFi with WalletConnect. Earn interests on Tezos and Solana. Begin or enhance your cryptocurrency experience with a forward-thinking wallet, a beautiful user interface and innovative features. Powerful, yet easy to use!

Portfolio highlights

• Zeenea — Zeenea is a cloud-native SaaS solution that democratizes data access and accelerates all your data-driven business initiatives.
• Ledger — Secure your crypto assets such as Bitcoin, Ethereum, XRP, Monero and more. Give yourself peace of mind by knowing that your cryptocurrencies are safe
• AssoConnect — AssoConnect is an online tools platform that meets all the needs of volunteers and community leaders. The complete management of an association is time consuming and tedious. Some tasks - accounting, membership management, payment tracking, grant applications - require hundreds of hours of work per year. Less time for associative projects.itrepresents the digital revolution applied to the voluntary sector. Through this platform, associations have more time to devote to projects and have a complete, simple and intuitive tool to carry out all their associative activities over the long term.

Portfolio highlights

• Balio — Personal Finance Manager and Investing
• Solfy — Solfy is a Marketplace for self-consumption of solar energy.
• Tu Lecho al Techo — Tu Lecho al Techo aiming to build a business by distributing ceiling bed.

Portfolio highlights

• Werk — Werk is building a construction labor marketplace, that matches workers internationally to any country, all while automating the paperwork and HR. Our community provides trade union benefits, globally. Think of it as a mix of Deel & LinkedIn, but for construction that disrupts the European gray economy. Werk is building a digital identity forthe workers building our homes and offices.
• Tactic — Tactic helps you use AI to turn documents online and in your systems into actionable insights, no coding needed.
• Payable — Scale your business with our payment operations API and dashboard. Track, reconcile and make payments instantly.

Portfolio highlights

• Kippa — ## Build Setup
• Weel — With smart corporate cards and easy-to-use expense management software, Weel helps move your business forward. Try Weel for free today.
• Edukoya — Edukoya builds online education content and offers online tutoring for students and their parents.

Portfolio highlights

• Swaap — We build the market-neutral AMM protocol.
• Flowdesk — The new standard for market-making and crypto-financial technology. Market-making as a Service, brokerage, custody of cryptocurrencies.
• MetaFight — MetaFight is the development of a video game for collecting NFT cards of MMA fighters.

Portfolio highlights

• Nelly — Nelly provides tool for medical practices that simplifies patient onboarding and payments.
• bezahl.de — Bezahl provides digital and automated payment management and solutions.
• ThreatFabric — Our Fraud Risk Suite enables safe & frictionless payment journeys by combining our renowned threat intel with device/behavioral/identity risk management.

Portfolio highlights

• Swaap — We build the market-neutral AMM protocol.
• micro1 — We help companies hire and manage the best software engineers easily.
• Skedway — Every work experience should be great! Skedway is the complete platform to optimize the hybrid work experience.

Portfolio highlights

• Nous — Find out exactly how your household finances will be affected by the cost-of-living crisis with Nous on your side.
• Screenloop — Screenloop is the hiring intelligence platform that allows you to source candidates, analyse interviews, and automate the reference process.
• SEON — SEON Fraud Prevention tools help organisations reduce the costs and resources lost to fraud. Spot fake accounts, slash manual reviews and cut chargebacks now.

Portfolio highlights

• Claimer — Claimer is a self-service application that gets credit claims done easily of money spent on research and development. Its platform empowers company owners and advisors to prepare their claims, without any specialist knowledge, no matter how big or small the claim. It also prepares and submits the amended tax return for free.Claimer was founded in2019 by Adam McCann and is headquartered in Croydon, United Kingdom.
• The Garden — The Garden is an online media company.
• Condense — Live-streamed volumetric video into game engines

Portfolio highlights

• Ramp — Allow users to buy and sell crypto without leaving your app or wallet. Buy and sell crypto directly on our website.
• CIRCA5000 — Invest in businesses enriching the planet, its people, and most of all, you.
• Payable — Scale your business with our payment operations API and dashboard. Track, reconcile and make payments instantly.

Portfolio highlights

• Revyze — Revyze is a community-powered app with a sharp focus on high school education.
• Mural — Mural enables financial teams to manage crypto payouts and invoices for employees, contractors, and vendors worldwide.
• LaCollection — LaCollection is creating a new way of owning digital versions of a physical artwork by working with cultural institutions. Like a limited edition “digital lithography”, collectors are now able to own certified digital twins of masterpieces from the world’s greatest museums, galleries, and artists.

Portfolio highlights

• JusticeText — JusticeText is a software platform that makes it easier for public defenders to process and incorporate crucial audio and video evidence in defense of their clients.
• Inflection AI — We are an AI studio creating a personal AI for everyone.
• Spring Free EV — Fleet managers, high mileage, and gig drivers. No Personal Credit Required. Learn More About Spring Free EV Today! A Stress-Free, Quick, and Unbiased Process to Get You Into an Electric Vehicle. Pay As You Go.

Portfolio highlights

• PYOR — PYOR has extensive expertise building in crypto and has played major roles in the creation of several large Indian unicorns, as well as extensive experience in global blue chip organisations.
• LabDAO — LabDAO builds and uses open tools for digital life science research. We want to see a world where every inventor can apply for funding and access infrastructure online - no matter their circumstances. Our community is composed of students, researchers, and engineers who launch scientific projects together.
• Ryodan Systems — COMMUNICATIONS, CURRENCIES, KNOWLEDGE, ACADEMICS, TRANSACTIONS, ORGANIZATIONS, FINANCE, LAWS, and NATIONS will be on the INTERNET.

Portfolio highlights

• Payhawk — Save time and money, manage spend, and scale your business with Payhawk. Get premium Visa Cards, dedicated IBANs, SEPA, and Faster Payments, all in one place.
• Reloyalty — Get rewarded automatically for staying loyal to local businesses in London
• UPPER — Upper enables start-ups, businesses, and organizations to find and hire quality tech talent to work full-time, part-time, or hourly

Portfolio highlights

• Pathway — LLM-enabled financial research at the speed of thought.
• Statement — Find the right card machine for your business, with good rates and the best features. Search the top providers in minutes, including Worldpay, Barclaycard, Tyl and Teya.
• Borderless — Borderless is a workforce migration platform.It offers automation solutions that focuses on all aspects of hiring and onboarding of foreign workers, including recruitment, immigration, relocation, and compliance.

Portfolio highlights

• NVG8 — The Community Platform Powering the Next Generation Data Ecosystem
• Atmos Labs — When is a game more than a game? Welcome to Planet Atmos: a universe of next-generation gaming experiences blending action, customization, storytelling, community, and digital ownership.
• ScienceMagic.Studios — A digital assets venture studio

Portfolio highlights

• Blobr — Get your branded developer portal to launch and grow adoption of your API products.
• Kraaft — Kraaft.co is an instant messenger app dedicated to site monitoring for VRD public works trades: roads and various networks. Paris, Île-de-France in 2019.
• Hyperline — Enjoy the most flexible billing platform for B2B SaaS businesses. Start today without a single line of code.

Portfolio highlights

• Giza — Giza changes this by using zero-knowledge cryptography to bring model inferencing on-chain, unlocking a new depth for smart contract design.
• Swaap — We build the market-neutral AMM protocol.
• Ondefy — Ondefy is building infrastructure that enables a simple access to decentralized finance. Integrate multiple DeFi services unders 1 line of code.

Portfolio highlights

• Payhawk — Save time and money, manage spend, and scale your business with Payhawk. Get premium Visa Cards, dedicated IBANs, SEPA, and Faster Payments, all in one place.
• Reloyalty — Get rewarded automatically for staying loyal to local businesses in London
• icanpreneur — The first Accelerator-as-a-Software that guides tech entrepreneurs from idea to product/market fit without relying on luck

Portfolio highlights

• Thirdfort — Automated identity verification and AML compliance for lawyers and property professionals.
• tripAbrood — Your Family Adventure Awaits!
• Tooth Fairy — Winner of app of the year, for emergencies, teeth straightening, teeth whitening & prescriptions. Teledentistry and dentist available 24/7. Founded by dentists.

Portfolio highlights

• Honei — Honei is an app that enables mobile ordering and payment in restaurants.
• Coverfy — Coverfy APP is a free mobile insurance manager that simplifies and solves all insurance-related issues for its users. The APP optimizes user´s insurance policies and covers all his insurance needs using digital technology and semi-authomatic algorithms. Coverfy is an insurance broker registered at the General Directorate of Insurance and PensionFunds (DGSFP) and acting independently from the insurance companies.
• Iristrace — Test drive our easy and most effective software for audits, inspections, work orders and sustainability data collection and analysis today.

Portfolio highlights

• Metagood — Metagood is a for-profit company that empowers communities to be catalysts for positive collective action.Founded by crypto veterans Danny Yang who created the largest crypto currency exchange in Taiwan, Amanda Terry who was an Twitter and NBC executive, and Bill Tai who was the first investor in Zoom, Canva, and 20 other publicly tradedcompanies, Metagood launched OnChainMonkey, the historic PFP collection all on chain in a single transaction on Sept 11, 2021. OnChainMonkey has been consistently ranked as one of the most profitable NFTs collections globally. Metagood was awarded Fast Company's 2022 20 Best World Changing Ideas for Impact Investing.
• Monochrome — Monochrome Corporation is a leading provider of regulated crypto-asset investment solutions.
• Flare Network — Flare is an EVM-based layer 1 that gives developers secure decentralized access to high-integrity data from other chains and the internet.

Portfolio highlights

• Curve — Curve is a banking platform that consolidates cards and accounts into one smart card and app.It allows customers to supercharge their legacy banks to the 21st century without leaving their bank or topping-up. Curve offers a host of benefits to its customers; it makes cards fee-free when spending abroad, get instant notifications andcategorization of spend, earn an instant 1% cashback at the likes of Amazon, Uber, Netflix and Sainsbury’s and Time Travel enables customers to swap spend to a different card in the app for up to two weeks after the purchase was made. Curve also offers Curve Customer Protection, a policy that covers all credit and debit card payments made via the Curve card up to £100,000, giving cardholders an extra layer of protection for disputes with merchants and any unauthorised use of their Curve card. IDC Ventures backs Curve with Fuel Venture Capital, Vulcan Capital, OneMain Financial, and Novum Capital backs Curve.Shachar Bialick, Anna Mostyn Williams, and Tom Foster-Carter established the company in London, England in 2015.
• Griffin — Griffin is making a bank you can build on. They provide banking-as-a-service solutions for companies that want to offer financial services products. The company is currently seeking regulatory approval from the PRA and FCA to become the UK's first platform bank. It was founded in 2017 and based in London, England.
• Veridu — Veridu provides Identity solutions for a global internet economy.Veridu brings trust to online business with services to quickly, reliably and efficiently verify the identity of users globally in order to eliminate fraud and unwanted behavior. Online business wants to be global. Any transaction hinges on identity and current identitysolutions are standing in the way. Veridu is changing that with comprehensive global ID solutions.

Portfolio highlights

• Nelly — Nelly provides tool for medical practices that simplifies patient onboarding and payments.
• Junto — Junto is an EdTech that offers digital live training for companies.
• Calvin Risk — We help companies manage the risks of their AI algorithms!