Discover the Fintechs that are revolutionising the financial market
During the Fintech Immersion Program held in Valencia and Madrid, organized by Inneürope, ATEFI members had the opportunity to closely engage with twelve fintechs that are setting trends not only in the Spanish market but also globally. These companies are pioneers in innovation, focusing on providing advanced and efficient financial solutions in areas such as Blockchain, Digital Payments, AI, Machine Learning, SME solutions, and Green Fintech.
We invite you to discover a summary of each of these fintechs that are transforming the current financial landscape. Additionally, we have included testimonials from their leaders and representatives, who share with us the benefits and impact of their innovative solutions. This perspective provides us with a clear vision of how these fintechs are revolutionizing the future of finance.
This cryptocurrency payment platform is transforming how users conduct transactions, offering a secure and efficient alternative to traditional money.
Sebastián Barrera, COO & Co-Founder of AURA PAY, comments: “In an increasingly digital and interconnected world, AURA PAY's diverse cross-border payment solutions, for both individuals and businesses, in local currencies or cryptocurrencies, are fostering the adoption of new hybrid payment methods, bringing people and businesses closer together across various geographies.”
Using transactional data and behavioral economics insights, this platform offers personalized financial services based on user behavior. They help financial companies convert raw transactional data into categorized and enriched information, enabling a deep understanding of each user to offer the right product or message at the right time through the most convenient channel. All of this is achieved thanks to COCO, their AI categorization engine.
David Conde, CEO & Co-Founder of COINSCRAP FINANCE, highlights: “In Spain, we are already a technological partner of the main banks and insurers, so our primary goal today is to continue expanding our agreements in Latin America to bring value to the region's financial entities. In this dynamic new market where we are focusing and already have our first clients, the growth potential ahead is incredible.”
An innovative investment ecosystem in renewable energy, allowing users to invest in sustainable projects and contribute to the energy future.
Fernando Dávila, CEO & Co-Founder of CROWMIE, explains: “There is a problem in the energy market, where energy consumers suffer from commissions and fees for energy distribution, making costs 2-3 times the actual price of the generated energy. This makes self-consumption an extremely attractive tool as the energy is generated and consumed in the same place. Crowmie structures these industrial self-consumption operations, reducing energy costs for consumers without the need for decapitalization or financing and allowing investors to generate attractive returns with high impact, contributing to the transition to renewable energy generation. Starting from €1,000 and setting the time limit each investor decides, the investor can support the development of such infrastructures, generating high societal impact.”
This solution allows for real-time sending and receiving of money, revolutionizing the speed and efficiency of financial transactions.
Fernando Cabello-Astolfi, CEO & Co-Founder of DEVENGO, says: “Atomic (one-to-one) and instant payments open the door to automated money flow management, enabling the creation of new value propositions that require programmatic payment execution, such as capital availability in the credit world or claims payments or reimbursements in the insurance world. They also allow for the orchestration of ad-hoc payment infrastructure for more sophisticated needs such as marketplaces or instant cross-border transfers."
With their artificial intelligence software, GAMCO facilitates commercial management and the handling of financial, reputational, and predictive fraud risks through solutions based on predictive models and dynamic optimization.
Fernando Pavón, CEO of GAMCO, notes that: "Clients have seen concrete benefits that AI brings to their business. These benefits primarily include generating more sales, reducing costs, controlling risks, and optimizing operations. Beyond testing new AI-based technologies or making significant investments, GAMCO focuses on multiplying ROI several times in the first year, with highly valuable business developments implemented quickly and at controlled costs. He adds: “We create business assistants based on AI with very rapid returns. Additionally, we free up company talent to generate high value for clients where AI has not yet reached.”
It offers a new way to pay via bank transfer using the PSD2 standard, providing a secure and efficient alternative to traditional payment methods.
Víctor Pardo, CEO of INESPAY, states: “The PSD2 Bank Transfer payment service from INESPAY redirects the payer to their bank's portal so that, in 3 simple steps, they can authorize a bank transfer. It is safer than traditional payment methods because the payer does not need to share any confidential data with us, only with their usual bank. It is also more efficient as it is a direct payment from the payer's account to the merchant's account, without intermediary accounts. Additionally, the transaction fee is usually cheaper than that applied for card payments.”
A comprehensive platform offering international payment solutions, global hiring, tax optimization, benefits, and global mobility. Customized for different profiles, from freelancers to remote workers or companies of any size. Their goal is to eliminate the barriers of global work for both companies and independent workers, simplifying management for both.
Francisco Sanchis, Business Development Manager of NATIVE TEAMS, explains: “All our clients have benefited from being able to hire talent in more than 66 countries through Native Teams, without needing to know the laws of those countries or the tax system. We take care of all that.”
A solution that ensures compliance with Anti-Money Laundering obligations by automating daily know-your-customer tasks such as list checking.
Alejandro D. Caneda, CEO of PIBISI, comments: “At Pibisi, we understood from the beginning that improvement in compliance would come hand in hand with technological innovation, but without forgetting our human essence. Thanks to this, we have allowed all types of obligated entities, from small investment funds to fintech and crypto scaleups, to comply with regulations while optimizing costs and reducing errors. For example, since the beginning of the year, we have been using generative AI's text comprehension capacity to process more adverse news, in more languages, and in less time, but always with a final layer of human validation.”
At RENAISS AI, they deeply value the democratizing capability of AI and its positive impact on both companies and users. Their solution, Renforce, plays a crucial role in this by offering AI as a Service (AIaaS) infrastructure that facilitates and accelerates the implementation of AI processes securely and privately.
Javier Martín, Founder & CEO of RENAISS, highlights: “The collaboration between artificial intelligence and humans is redefining work. AI tools not only automate repetitive tasks but also enhance creativity and decision-making, allowing employees to focus on higher-value activities. Companies that do not adopt AI processes in their daily operations will face a significant competitive disadvantage in the future.”
A fintech SaaS platform that allows retailers and brands to offer flexible and sustainable consumption options such as rentals, subscriptions, leasing, and buy-backs from their checkout.
Amalia Martin, Partnerships Manager of SHARPEI, explains: “The main benefits our clients have experienced using our platform include generating recurring revenue, increasing profit margins, and enhancing customer lifetime value and average ticket size. Additionally, they have been able to reach new customer segments who, for various reasons, prefer renting over buying.”
UELZ facilitates the automation of all recurring collections with a single platform, optimizing payment management for businesses.
María Luke, CEO & Founder of UELZ, comments: “For companies using Uelz, having a system that allows them to automate the thousands of recurring transactions they have to execute every month has been vitally important. Without a system like Uelz, companies have to do this manually or with a significant technical investment, risking many human errors in the process. Thanks to Uelz, they are achieving an efficient, reliable, and much cheaper process.”
VIEWAPP is a B2B SaaS platform designed to create and manage all types of inspections, improving the efficiency and accuracy of these processes.
Aleksandr Fokin, CEO of VIEWAPP, affirms: “Today, the problem of fake content is increasing. GenAI can be used to create images of your office or country house, add or remove damage to a car or property. Insurance companies receive content from chats, emails, and other unsecured sources, and in 2-3 years, fake content will come in a cascade. VIEWAPP is a tool for obtaining secure content and property location. Additionally, VIEWAPP inspections are 50%-70% cheaper than traditional ones.”
These fintech companies are not only improving the efficiency and security of financial transactions but also promoting a more inclusive and accessible ecosystem for everyone. Through their innovations, they are breaking down traditional barriers in the financial sector and creating opportunities for greater participation of various actors in the global economy. At 100Startups, we wish them a future full of success and will closely follow their evolution and growth.
