Top 35 Financial Services Startup Investors in Bulgaria in January 2026

Portfolio highlights

• LAM'ON — LAM'ON OOD was created with the intention of creating a product that would be recyclable or compostable, improve environmental and human health safety, and readily replace the existing petroleum-based plastic solutions.
• Bitloops — Bitloops is an AI-powered application development platform that enables organizations to develop, maintain, and operate complex web applications with ease. It helps you easily modify system designs, deploy applications to production, and manage changes, new features, and products. The platform enables teams to innovate quickly and grow the productor business without compromising the product's usability, extendability, or maintainability. Bitloops makes it simpler than ever to create high-quality software utilizing best practices and techniques like DDD, BDD, TDD, hexagonal architecture, clean architecture, ports and adapters, CQRS, and event sourcing suitable for extending legacy systems as well as new initiatives.
• Outfindo — Making bikes & e-bikes buying easy

Portfolio highlights

• SoCyber — SoCyber provides services in the field of Information and Communication Technology, specializing in Cybersecurity services. The main business lines are security as a service, penetration testing, vulnerability assessment, and IT audits. After being a successful service company for several years, SoCyber developed a holistic vulnerability managementsolution "Kikimora.io" that makes the vulnerability management process centralised, transparent and easy to follow and understand. It enables companies to prioritise the remediation of vulnerabilities and address their security issues in a timely manner. The solution saves companies time and money by eliminating the need for repeated security testing that shows the same vulnerabilities.
• Vodoraslo — Vodoraslo believes that everyone deserves better air quality, so by mixing innovation, design, and nature, we can create multiple positive impact solutions.
• AIOT Cloud — Enabling businesses to be energy efficient while optimizing costs

Portfolio highlights

• QualSights — World's Leading Consumer Insights Platform. Our first-of-its-kind consumer insights tools capture precise usage and deliver the deepest, most authentic insights.
• Reshape Energy — Reshape is a platform providing building owners and tenants with a better suite of energy services to lower their energy costs and meet sustainability targets.
• Software Group — Software Group is a global technology company that helps financial service providers digitize their business, extend outreach and improve efficiency.

Portfolio highlights

• Magfi — A search engine that analyzes communities into WhatsApp, Telegram, and Discord with AI, ML, and NLP and places ads with micro-targeting.
• Visibilio — At Visibilio, we are at the forefront of a seismic shift in how companies connect with their clients. Our mission is simple: to empower companies, organizations, and individuals to seamlessly create, repurpose, and distribute meaningful content—turning their audiences into loyal clients. We believe that building your own audience shouldn’t be hardor expensive, and is much more efficient compared to buying it from platforms like Google/Facebook.Who We AreVisibilio was founded by a team of experienced professionals: Alexei Lazarov, former editor-in-chief of Bulgaria’s leading business media Capital; Zoran Arsovski, a marketing professional, entrepreneur, and investor; and Stoyan Kondev, a skilled software developer and BPM consultant. Together, they bring a unique blend of editorial expertise, business acumen, and technological innovation to drive transformative change.What We Do (And Why)Visibilio builds an AI-powered agentic workforce that transforms the way content is created and distributed. With our swarms and constelations of AI agents, telling interesting stories and building loyal audiences is no longer time-consuming or costly. We believe that the way people consume information and how businesses connect with clients is undergoing a profound transformation. In the coming years, it will be essential for companies to think like publishers—creating consistent, meaningful content, building their own audiences, and converting them into loyal customers.At Visibilio, we are developing the tools to make this shift seamless, helping businesses save time, effort, and resources while staying ahead in an evolving digital landscape.
• Native Teams — With the Native Teams platform, you can easily hire anyone, anywhere as an employer or get an employed status if you're working as a freelancer. Explore our international EOR and PEO services and start working remotely with full compliance.

Portfolio highlights

• GenePlanet — GenePlanet is a European company active in the field of biotechnology, specializing in genetic testing and research. They specialize in preventive genetic tests that are intended for the end user, but they also offer clinical genetic tests which help doctors with their therapeutic procedures. Their tests adhere to the highest standards of qualityand are based on the latest scientific discoveries. They provide people with information which can help them adjust their lifestyle accordingly and take measures that will provide additional protection from health risks due to genetic predispositions.
• Software Group — Software Group is a global technology company that helps financial service providers digitize their business, extend outreach and improve efficiency.
• ASTRAL Holidays — ASTRAL Holidays is currently the Bulgarian tour operator. The company is the exclusive partner of Thomas Cook for the Bulgarian market since 2013, a partnership which services close to 200,000 incoming tourist annually. Astral is also an exclusive partner for BCD travel, the second largest player globally in the travel industry, covering 110countries and employing more than 11,000 professionals.

Portfolio highlights

• Payhawk — Payhawk is a spending software that simplifies expenses, payments, and card spending for growing businesses. The company's platform enables financial officers and business owners to manage the entire spending lifecycle end-to-end. It collects and analyzes receipts, invoices, and card transactions to help stay in control of the budget with nopaperwork for the employees. With its paperless corporate card linked to an automated expense management, Payhawk provides a product on top of existing banks.Payhawk was founded in 2018 and is headquartered in London, England.
• Reloyalty — We turn every bank card in Europe into a loyalty card. Reloyalty is a fully automated and personalised loyalty platform on top of card payments leveraging Open Banking / PSD2. We enable users to connect existing bank cards to Reloyalty and unlock 10-50% in reward value from their every day shopping. Participating retailers and banks can getaccess to data about their most valuable customers based on purchasing patterns and launch loyalty campaigns with measurable ROI.Reloyalty was founded with the goal of helping businesses identify their most passionate customers and helping those people get treated as such. They believe that the their relationship with the places where they shop, eat and meet with people are more than transactional.
• Icanpreneur — Icanpreneur is the first startup platform that works like an AI co-founder helping you go from raw idea to real traction

Portfolio highlights

• Delivers.AI — Delivery droid operator
• Tiger Technology — Turn storage into competitive advantage with Tiger Bridge. Cut costs 60%, improve utilization 10X, seamless cloud extension without changing workflows.
• Crackle Technologies — Crackle Technologies is a vibrant digital publisher ecosystem which is essential for a healthy and useful internet.

Portfolio highlights

• Icanpreneur — Icanpreneur is the first startup platform that works like an AI co-founder helping you go from raw idea to real traction

Portfolio highlights

• Centrifuge — Centrifuge is the platform for tokenized real-world assets, providing the infrastructure and ecosystem to tokenize, manage, and invest into RWAs.
• Hybrid — Hybrid is a fintech company that offers a decentralized central AI tool with Web3's ecosystem of AI experts, agents, and data.
• Inference Labs — AI hyperscale on decentralized networks - We provide certainty for on-chain AI

Portfolio highlights

• GenLayer — GenLayer is a platform that focuses on intelligent contracts.
• Spicenet — Spicenet enables universal access to the top DeFi venues across all networks, creating better financial outcomes for all.
• YeagerAI — YeagerAI is a pioneering AI research lab focused on developing technology that promotes sovereignty, transparency, and decentralization.

Portfolio highlights

• Native Teams — With the Native Teams platform, you can easily hire anyone, anywhere as an employer or get an employed status if you're working as a freelancer. Explore our international EOR and PEO services and start working remotely with full compliance.
• Tiger Technology — Turn storage into competitive advantage with Tiger Bridge. Cut costs 60%, improve utilization 10X, seamless cloud extension without changing workflows.
• Native Teams — Native Teams is the all-in-one global platform for work payments and employment.We help businesses hire, pay, and manage talent across 85+ countries, without setting up local entities. Our platform handles global payroll, compliance, and taxes while empowering international teams and gig workers with flexible financial tools and multi-currencypayment solutions.Whether you're scaling your team or simplifying contractor management, Native Teams makes global hiring simple, secure, and cost-effective.Trusted by 1,500+ companies Operating in 85+ countries Up to 3x lower global employment costsGlobal payroll? Sorted. Compliance? Handled. Payments? Done.

Portfolio highlights

• Bronia — Bronia is an intelligent acoustic signal processing technology. It uses cutting-edge proprietary technology to detect noises of interest, determine their sources, and act intelligently.
• AdScout — AdScout enables businesses to reach new customers through a smart social referral platform
• VibeJobs — VibeJobsis a company that provides quick and easy access to the most sought-after professionals in the labor market by leveraging a chatbot-based communication and recruiting automation solution.

Portfolio highlights

• Avientus — Avientus is a revolutionary drone network with vertical take-off and landing (VTOL) capabilities to autonomously transport a variety of payloads—including parcels, food, medical supplies, and spare parts—across both urban and rural areas.
• Recreate — Recreate is a technology platform that focuses on AI-driven content generation and creative automation.
• Aurora Analytics — Aurora Analytics specializes in creating novel research and diagnostic products for education, food safety, healthcare, and threat detection.

Portfolio highlights

• 5 to go — Let's find out the story of 5 to go - a business born and raised with pride in Romania
• Fomtech — Fomtech is a producer of branded technical textile products in the automotive and infrastructure cable industries.
• Cenatorium — Cenatorium is a property tech company. They offer digital real estate information. They are supplying tools that enable the accelerated and automated use of conventional real estate operations, particularly in the financial industry. They provide real estate valuation, including automatic valuation, real estate portfolio monitoring, and propertyassessment in terms of damage risks.

Portfolio highlights

• Badu — Badu LTD is a fast growing online ecommerce marketplace that operates in Eastern Europe. Badu works with suppliers from around the world to provide fast, reliable and high-quality service for its customers. We deliver a hassle-free shopping experience with the highly preferable option of payment on delivery for intercontinental purchases, whichprovides us with a niche market for customers, seeking security when shopping from abroad.
• Alcatraz AI — The Rock is an all-in-one touchless biometric access control device that combines facial biometrics, AI, and machine learning for top-notch security.
• Codery — Codery functions as an Employer of Record (EOR), acting as the official employer for hired professionals. The firm handles the administrative and legal parts of employment, such as registration, payroll, and compliance with local labor laws, allowing enterprises to hire without having to establish regional offices or legal entities.

Portfolio highlights

• A-World — A-world is a super metaverse card tower defense battle game based on BNB CHAIN.
• NeuronX — NeuronX Protocol is the pioneering decentralized lending protocol on Dfinity, setting the stage for smart DeFi. By focusing on AI-driven automation and enhanced user experiences, NeuronX aims to revolutionize the DeFi landscape and appeal to a broader audience. At the core of NeuronX is a groundbreaking innovation: AI-Powered Smart LiquidityPlatforms (AILPs). These AILPs are advanced vault strategies operated by intelligent AI algorithms. Users can effortlessly gain leverage by simply depositing a base asset. Behind the scenes, AILPs leverage AI to automate complex transactions and continuously rebalance positions, ensuring optimal leverage without the risk of liquidation. This integration of AI streamlines the process, making advanced financial strategies accessible and hassle-free.
• Vue Protocol — Vue Protocol operates as a layer2 for Web3 Social.

Portfolio highlights

• tread.fi — Explore tread.fi's institutional-grade trading platform designed to seamlessly integrate into your workflow, automate trade execution, and minimize slippage. Learn more.
• Ledger Works — Blockchain consumers face significant and increasing cyber-crime. And Web3 security efforts focus on DeFi providers, not retail users. A crypto account holder should be able to receive the same fraud alerts and protection they have come to expect from their bank or credit card accounts. Our service provides account notification and cyber-crimeprotection to Crypto account holders.
• Blueberry Protocol — Access premium DeFi opportunities, tokenized yield strategies, and comprehensive tools for the Hyperevm onchain ecosystem.

Portfolio highlights

• MedLease — MedLease specializes in financing solutions for healthcare SMEs, young healthcare professionals and patients. Doctors, partnering clinics and MedLease all share the same end customer – the patient. The company strives to achieve synergy via helping young professionals improve their qualification, financing smaller clinics purchase modern machinesfor treatment/diagnostics and provide the patients with reliable and transparent socially responsible healthcare financing solutions. MedLease believes that this synergy based business model provides trickle down effects that benefits and improves the quality of life of the end customer.
• Evrotrust — Best way to prove who you are and agree to anything, anywhere. Fully legal, secure and personal. Our mobile first eIDAS solution allows: eID, eSign, eTimestamp, eSeal, eDelivery with the highest status – qualified

Portfolio highlights

• Relayz — Relayz is a Web3 communication that is extremely secure, protects privacy, is censorship-resistant, and is decentralized. Relayz utilizes cutting-edge technologies for better scalability.
• Credbull — Credbull manages on-chain private credit funds that provide vital financing solutions to creditworthy small and medium-sized enterprises (SMEs).
• Ink Finance — Ink Finance is the scalability solution for web3 DAOs, protocols and asset managers, enabling them to customize asset management and governance frameworks through a no-code interface, to effectively establish on-chain credit and financial competence. Ink Finance allows a one-stop and frictionless solution for organized financial activities, with scalability and customizability.

Portfolio highlights

• Me3 — Me3 is a crypto wallet to purchase, send, receive, and exchange tokens and NFTs.
• Stabble — stabble is a protocol revolutionizing liquidity pools by introducing protocol-managed and arbitrage pools. This allows stabble to tackle critical inefficiencies prevalent within Solana's decentralized exchanges.
• CrossCurve Metelayer — Founded in 2021, EYWA helps Web3 projects scale up by enabling them to operate, get listed, and traded on all connected blockchain networks with a single liquidity pool. Additionally, EYWA provides a truly decentralized data protocol for secure messaging.In partnership with Curve Finance, one of the largest decentralized exchanges, EYWA isintroducing a new paradigm of non-algorithmic cross-chain assets aimed at solving the problem of liquidity fragmentation. Their cross-chain protocol stands out as the most decentralized solution in the market.- Received 6 grants from biggest L1/L2 blockchain networks including NEAR Foundation, Aurora, Harmony One, Algorand, Boba Network, and others - Winning hackathons: Ethglobal Marketmake, Polygon’s BUIDL IT hackathon, Metis hackathon

Portfolio highlights

• BIYU — Transform your business with our modular rental and subscription platform. Proven expertise in warehouse management, asset tracking, and circular economy solutions.
• Hardt Hyperloop — Hardt develops a transport system in traveling huge distances completely emission-free, safe, and accessible to everyone. Hardt Hyperloop has emerged from the winning team at the SpaceX Hyperloop Competition, dedicated to realizing the hyperloop.
• uIMPACT — Best ESG screening software for Startups and Investors. Measure your impact through the Sustainable development goals and receive expert advice. Start now with uIMPACT

Portfolio highlights

• Rebar Labs — Rebar Labs is a company that offers research services and infrastructure for bitcoin. The company wants to help users in the Bitcoin ecosystem create more effective and better experiences by addressing issues related to maximum extractable value and offering services that guarantee equitable value distribution.
• Yellow — Yellow is a financial services provider of software, analytics, and investments in blockchain startups.
• Tren Finance — Tren Finance: a secure DeFi liquidity protocol offering seamless asset swaps, yield opportunities, and cross-chain compatibility through automated smart contracts, redefining liquidity for users and institutions.

Portfolio highlights

• NeoFi — Buy, Sell, Trade and Invest in Bitcoin, Ethereum, Shiba Inu, Dogecoin, Cardano, Polygon and 100s other cryptocurrency from India's best cryptocurrency exchange.
• Crestal — Crestal offers a decentralized platform that meets the objectives of Web3 applications through modular service architecture. The Crestal blockchain monitors and scores services using a Proof of Performance (PoP) consensus process.
• IQ Labs — IQ Marketplace offers unique NFTs with exclusive utilities, boosting your in-game experience. With flexible renting parameters and multiple payment options, rent without collateral and unlock the full utility of NFTs. Say goodbye to gas fees with our gasless renting feature and multiply the value of NFT collections with our multi-utility renting. Explore now

Portfolio highlights

• Icanpreneur — Icanpreneur is the first startup platform that works like an AI co-founder helping you go from raw idea to real traction

Portfolio highlights

• Rush — Rush helps Shopify brands increase repeat sales, customer loyalty, and product reviews with a branded order tracking experience shoppers dream about.
• Icanpreneur — Icanpreneur is the first startup platform that works like an AI co-founder helping you go from raw idea to real traction

Portfolio highlights

• solice — The first cross platform VR metaverse on the Solana blockchain
• Kudo Labs — Kudo is building an ecosystem of DeFi and web 3.0 products like Unomi and Bitquity for mainstream crypto adoption.
• Primex Finance — Primex is the cross-chain prime brokerage liquidity protocol for cross-DEX margin trading with trader scoring mechanisms.In Primex, lenders provide liquidity to pools where traders can use it for leveraged trading in cross-DEX environments, while lenders then have an opportunity to earn high yields; their interest is generated from margin feesand profits on successful trades.Lenders have the flexibility to manage their risks and return by providing liquidity to a variety of risk buckets, subsets of liquidity pools that regulate trader risk strategies.

Portfolio highlights

• Rush — Rush helps Shopify brands increase repeat sales, customer loyalty, and product reviews with a branded order tracking experience shoppers dream about.
• Icanpreneur — Icanpreneur is the first startup platform that works like an AI co-founder helping you go from raw idea to real traction

Portfolio highlights

• Rhuna — Rhuna is an AI and blockchain platform that transforms event management with NFT ticketing and token rewards.
• Bluwhale — Unlock Web3 Wallet Potential with AI Insights. Supercharge Your Business Growth
• BluWhale — BluWhale's mission is to leverage AI and ML to allow game developers to focus on ways to improve the game rather than wrangling and making sense of astronomical amounts of data. BluWhale's smart automation will do the heavy lifting usually reserved for data analysts and data scientists all in the background, and surface actionable insight

Portfolio highlights

• Yellow — Yellow is a financial services provider of software, analytics, and investments in blockchain startups.
• KIP Protocol — KIP Protocol is a decentralised AI framework unlocking digital property rights of Knowledge Assets in the AI-powered future.
• Alliance Games — Build Beyond Limits. Multiplayer for the Next, Decentralized Era.

Portfolio highlights

• GoFungibles — GoFungibles is a cross-chain state-of-the-art NFT marketplace equipped with all the existing features of conventional NFT marketplaces but augmented with DeFi and gamified components.
• Champion Games — We transform entertainment by creating innovative games for fans around the world. Crafted by technology, innovation & passion
• Legends of Mitra — Legends of Mitra is a Free-to-Play-to-Earn game that rewards players with tokens and NFTs depending on their engagement and skills in the game.

Portfolio highlights

• Boleron — Digital-first insurance broker

Portfolio highlights

• STAGE — Always-on music competitions powered by the blockchain. Vote for your favorite artists and share their success.
• Dolomite.io — The home of DeFi yield - access great lending and borrowing yields, strategies, tools, and opportunities.
• NXI — Nexus Interactive gives collective growth and accrued value to its ecosystem.

Portfolio highlights

• Power Roll — Power Roll has reinvented solar to generate energy anywhere and everywhere, using any surface.
• hedgehog lab — hedgehog lab is a global leader in digital consultancy, known for being the 'masters of our craft'. Let's digitally craft a better world.
• Powerphotonic — Leaders in wafer-scale freeform optics

Portfolio highlights

• Icanpreneur — Icanpreneur is the first startup platform that works like an AI co-founder helping you go from raw idea to real traction

Portfolio highlights

• NeoFi — Buy, Sell, Trade and Invest in Bitcoin, Ethereum, Shiba Inu, Dogecoin, Cardano, Polygon and 100s other cryptocurrency from India's best cryptocurrency exchange.
• Credefi — Credefi connects crypto lenders with SME borrowers from the fiat economy.
• IQ Labs — IQ Marketplace offers unique NFTs with exclusive utilities, boosting your in-game experience. With flexible renting parameters and multiple payment options, rent without collateral and unlock the full utility of NFTs. Say goodbye to gas fees with our gasless renting feature and multiply the value of NFT collections with our multi-utility renting. Explore now