Top 50 Financial Services Startup Investors in Bulgaria (September 2026)

Portfolio highlights

• Flataway.ai — Flataway - the home of subscription living. Live & work from anywhere in a trusted proffessionally managed accomodation.
• nFuse.ai — nFuse scales your B2B sales with AI. Up to 30% revenue uplift, $1 per order processing cost, live in 30 days. No new apps, no behavior change.
• Blue Longevity — Expert care for a healthier, longer life. Opening soon Athens | Istanbul | Sofia

Portfolio highlights

• ELando — eLando is an IT services company that offers cyber security, cloud solution, consulting, mobile solution, and software engineering services.
• QuarkXR — The Next Gen Compression and Streaming Technology! QuarkXR is an ultra-fast software solution that provides low-latency wireless transmission. It runs the heavy processes on the GPU, and is hardware-agnostic.
• 365 Data Science — 365 Data Science offers data science, machine learning, and AI training to help you land your dream career. Learn ChatGPT, Python, Excel, Tableau, Power BI, and more.

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

• 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 — Hire anyone, anywhere with Native Teams. Use EOR and PEO services to employ global talent or get compliant employment as a freelancer.

Portfolio highlights

• Paypercut — Paypercut is a fintech startup that allows small and mid-scaled merchants to offer Buy Now, Pay Later at checkout via a single integration.
• Native Teams — Hire anyone, anywhere with Native Teams. Use EOR and PEO services to employ global talent or get compliant employment as a freelancer.
• Tiger Technology — Turn storage into competitive advantage with Tiger Bridge. Cut costs 60%, improve utilization 10X, seamless cloud extension without changing workflows.

Portfolio highlights

• Icanpreneur — icanpreneur is a global digital accelerator SaaS platform that guides tech entrepreneurs through investment to product and market fit. icanpreneur was founded in 2021 and was headquartered in Grad Sofiya, Bulgaria.

Portfolio highlights

• A-World — Welcome to Animal World, a battle game based on #BNBCHAIN's super metaverse card tower defense. By setting up a hero tower to destroy monsters.
• NeuronX — The First AI-Driven Lending Protocol on @dfinity
• Vue Protocol — Community-First Layer for AI Memecoins. @solana @pumpdotfun @ton_blockchain Dvo1Fb7FxtUxsLbcQaizftfUT9HtL9P6swaQAScZDeQQ

Portfolio highlights

• Spicenet — Spicenet enables universal access to the top DeFi venues across all networks, creating better financial outcomes for all.
• Real Finance — Real Finance is driven by the mission to revolutionize the financial landscape by integrating real-world assets with blockchain technology, creating a more transparent, secure, and efficient ecosystem that bridges traditional finance with decentralized innovation, enhances asset liquidity, and unlocks new opportunities for global investors.
• WorkQuest — About WorkQuest WorkQuest is a decentralized employment and workforce automation protocol enabling employers and workers to collaborate through smart contracts, stablecoin payments, AI matching engines, and on-chain reputation scoring. The platform transforms global employment into a transparent, verifiable, and borderless digital labor economy.

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 a global digital accelerator SaaS platform that guides tech entrepreneurs through investment to product and market fit. icanpreneur was founded in 2021 and was headquartered in Grad Sofiya, Bulgaria.

Portfolio highlights

• 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.
• Fasal — We develop materials & products made from renewable resources!
• Affinity Life Care — Affinity Life Care is the private provider of elderly care residences in Romania, operating several centers in central Bucharest with a capacity of over 400 authorized beds. These facilities offer a range of accommodation options, from single rooms to shared arrangements, all designed to be comfortable, accessible, and suitable for seniorsrequiring either long-term care or assisted living.

Portfolio highlights

• Icanpreneur — icanpreneur is a global digital accelerator SaaS platform that guides tech entrepreneurs through investment to product and market fit. icanpreneur was founded in 2021 and was headquartered in Grad Sofiya, Bulgaria.

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

• Paynetics — Paynetics is a licenced provider of end-to-end payment services. We enable non-financial companies to embed finance
• phyre JSC — We make payments and money transfers faster and easy to track. Save time, fees and take control over your daily finance with phyre. Send and receive funds free within phyre network.

Portfolio highlights

• GlycanAge — The only biological age test that accurately measures your unique response to life changes. Discover your biological age and make lifestyle improvements!
• 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

• Ogre AI — Ogre AI is a data science company specializing in machine learning and artificial intelligence solutions
• Fabrico SaaS — Fabrico is a cloud-based CMMS, which manages all the maintenance processes in a production plant by integrating end-to-end maintenance strategies in a lean way.
• Blue Longevity — Expert care for a healthier, longer life. Opening soon Athens | Istanbul | Sofia

Portfolio highlights

• KubeNet — We are KubeNet - a multi-award winning technology solutions provider based in Glasgow. Whether it's Managed IT, IT Support, Cloud, Connectivity, Voice or Cyber Security, we're by your side as your trusted technology partner.
• Tixserve — Secure, Trackable, Interactive Digital Tickets for Live Events
• ReadyGo Diagnostics — ReadyGo Diagnostics has invented a novel “Diagnostic Pen”. Low cost, intuitive to use from the raw sample, the ReadyGo Pen will be a game-changer in the newly emerging consumer diagnostics market, offering a yes/no answer in minutes, based on molecular analysis.

Portfolio highlights

• ChimpX AI — ChimpX AI is an AI-powered decentralized finance (DeFi) superapp designed to simplify crypto trading, cross-chain asset management, and blockchain interactions through natural language commands. The platform focuses on making complex DeFi operations accessible to everyday users by combining artificial intelligence, automation, and gaslesstransactions into a single interface.
• BuyerBeats — The agentic demand layer for commerce.
• Interstate — Interstate is an Ethereum pre-confirmation protocol. It aims to make Ethereum transactions near-instant and allow applications to self-order while maintaining full composability with L1.

Portfolio highlights

• BIYU — Manage every asset through its full lifecycle. Rental, subscription, returns, refurbishment and relisting, in one platform.
• 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
• IBIS Power — Nederlandse technologische innovatie in duurzame oplossingen voor lokale energie-opwek op daken van vastgoed. Bekend van het gepatenteerde PowerNEST: zonne-energie en windenergie gecombineerd door windturbines in een aerodynamisch geoptimaliseerd nest van zonnepanelen.

Portfolio highlights

• Gamium — Gamium is a Web3 and Metaverse technology company building the truly Decentralized Social Metaverse.
• 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.
• Legends of Mitra — Discover the best crypto casino slots of 2026. Compare 5 top Bitcoin casinos offering provably fair games, massive bonuses, and instant crypto withdrawals.

Portfolio highlights

• PlanDelta — PlanDelta is a next-generation financial consolidation, planning and analysis platform that helps companies budget for success through continuous agile planning and reporting all round the year.

Portfolio highlights

• Forgis — Forgis is leading the next industrial revolution by introducing industrial intelligence into factories, which boosts the competitiveness of Western manufacturing.
• Impact.build — Impact Build transforms excavated earth into low-carbon building elements using advanced robotic manufacturing, delivering circular construction that competes on both cost and performance.
• Recreate — Mix - multimodal agents SDK

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.
• Optimum — The Universal Data Acceleration Network | Powered by RLNC

Portfolio highlights

• 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.
• Velvet Capital — Velvet Capital is a DeFi operating system that helps launch and manage on-chain funds and structured products. Velvet Capital offers its users a way to gain exposure to digital assets.

Portfolio highlights

• Beldex — Beldex is a private ecosystem consisting of decentralized applications. The Beldex privacy coin (BDX) is a utility coin of the Beldex private ecosystem.
• Fortune Protocol — Fortune Protocol brings the age- old tradition of fortune cookies to the modern prediction market.
• Perceptron Network — AI agents that learn, earn, and reward trust. Perceptron powers a decentralized mesh of reputation and revenue. Perceptron Network is the first AI-powered system where interactions drive growth and earn real rewards.

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

• 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 a global digital accelerator SaaS platform that guides tech entrepreneurs through investment to product and market fit. icanpreneur was founded in 2021 and was headquartered in Grad Sofiya, Bulgaria.

Portfolio highlights

• 0G — The First Decentralized AI Operating System
• Yellow — Yellow is a financial services provider of software, analytics, and investments in blockchain startups.
• Mind Network — The 1st Fully Homomorphic Encryption (FHE) Restaking Layer for AI and POS Networks. Mind Network is backed by Binance Labs, Hashkey, Big Brain, Chainlink, etc.

Portfolio highlights

• Tea-Fi — Tea-Fi is an all-in-one decentralized finance (DeFi) platform that turns complexity into opportunity.
• Finceptor — Become an early investor of Web3's top projects with over 250,000 other backers.
• web3intelligence — Build wealth and trust in the world of crypto with intelligent financial tools, data and infrastructure.

Portfolio highlights

• OX.FUN — Trade Bitcoin, Ethereum and trending altcoin derivatives on the most FUN exchange around. Join OX.FUN today and earn up to 200% yield. Moo.
• AINN Layer2 — AINN Layer2 is a decentralized Bitcoin Layer2 network development.It promotes large-scale AI applications
• Sanctum — Stake SOL and earn optimized LST returns from JupSOL, bbSOL, and more, and launch your own custom LST and Solana validator.

Portfolio highlights

• Polmed — Polmed provides laboratory tests, medical care packages, and diagnostic tests. They offer companies medical packages that vary in scope and cost, and comprehensive occupational medicine management, vaccinations, and preventive measures. An online inquiry form is available on the company's website.
• Vetti Group — Veterina koja zna. I razumije.
• Agrova International — AGROVA International is a European agri-foods group specialising in egg production and processing, egg proteins, and functional nutrition ingredients.

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

• Nexio — Making Bitcoin Productive
• Turtle Club — Aggregated, diligenced, personalized onchain yield management.
• Neutral Trade — Quant Strategies Marketplace backed by @yzilabs @incubator @ergonia_ | Official Links: https://t.co/LducMMFsw0

Portfolio highlights

• Capx — Capx's mission is to accelerate the flow of capital through the private markets, thereby enhancing global capital allocation. With secondary market and enterprise solutions, Capx combines high-quality collections of opportunities with efficient access for institutions and individual investors.
• DeepSafe — The world's first Cryptographic Random AI Verification Network for trustless verification of any on-chain and off-chain messages.
• aPriori — aPriori is a monad-native MEV infrastructure and liquid staking mechanism developed for parallel executions.

Portfolio highlights

• Software Group — Software Group is a global technology company that helps financial service providers digitize their business, extend outreach and improve efficiency.

Portfolio highlights

• Oceanloop — Oceanloop uses cutting-edge aquaculture technologies to transform the worldwide shrimp industry. Land-based Oceanloop shrimp farms provide high-quality, antibiotic-free, and sustainable saltwater shrimp production where consumption occurs. When compared to conventional farms, Oceanloop considerably reduces its resource utilization and environmentalfootprint.
• Wandercraft — Self- balancing and hands free movement with the innovative self-balancing feature, Atalante allows for multi-tasking and cognitive involvement as part of treatments.
• Santander Brasil — Banco Santander in Brazil, its largest division in Latin America and one of the world's most important, accounting for 50%.

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

• GoAudience — GoAudience is the marketing intelligence platform that helps e-commerce brands find and convert high-intent buyers using exclusive spending data from 220M consumers.
• Pricemind — Track competitor prices with AI-powered price intelligence software. Monitor e-commerce pricing, get dynamic pricing recommendations, and boost profit margins.
• Recommend — Spot real-time trends and turn them into content in minutes.

Portfolio highlights

• Sentur — Own your healing journey beyond your time with a therapist with this evidence-based IFS-inspired app. A powerful self-guided self-therapy app with rich Parts & Self-work functionalities, meditations, and more. Trauma healing support companion app with a 14-day free trial.
• Icanpreneur — Icanpreneur is an AI co-founder platform that helps validate ideas, products, and growth opportunities, then turns customer insights into buyer personas, go-to-market strategy, and launch-ready assets.

Portfolio highlights

• Boleron — Digital-first insurance broker

Portfolio highlights

• Iris.ai — Augment expert knowledge by unifying complex enterprise data to empower next-gen AI agents & applications
• 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
• 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

• DOS Labs — DOS stand for Decentralized Operating System. We build a blockchain gaming platform for web3.
• KIP Protocol — KIP Protocol is a decentralised AI framework unlocking digital property rights of Knowledge Assets in the AI-powered future.
• Cross The Ages — Cross The Ages is a universe in which fantasy and science fiction come together. The two worlds share the single continent of Artellium. To the west lies Arkhante, masters of magic and summoning. To the east, the city-continent Mantris is home to ultra-connected multicultural people whose technology has invaded everyday life.The young Malkha,surrounded by her seven Primus, reigns from the capital, Babylonia. To the west, the city-continent Mantris is home to Neurotechs, an ultra-connected multicultural people whose technology has invaded everyday life. The Amortals, humans who have transferred their minds to super-AIs, run the corporations for which the citizen-shareholders of Mantris work.

Portfolio highlights

• SQR3D — Transform your idea into 3D assets at scale. Smart Contract Automation for 3D Designs with SQR3D.
• Reitio Protocol — We’re creating an effortless way for everyone to create custom metaverse assets visually via an intuitive and codeless templates-based design toolkit, introducing reitio protocol.
• Genesis Shards — Crafting a whole new suite of NFT powered products across multiple blockchains

Portfolio highlights

• Catio — Cloud architecture platform enabling companies to excel with cloud native tech stacks, focused on tech stack evaluation, planning, and evolution, with the help of AI.
• qomodo — Qomodo: La piattaforma BNPL innovativa. Rate a tasso zero, approvazioni veloci, transazioni sicure. Rivoluzionaria nell'acquisto per aziende e consumatori.
• Yandex — Yandex is a multinational technology company that provides internet-related services and operates a search engine platform in Russia. It is one of the largest internet companies in Europe, operating Russia’s most popular search engine and its most visited website.According to LiveInternet, for the three months ended September 30, 2015, theygenerated 57.1% of all search traffic in Russia. They also operate in Ukraine, Kazakhstan, Belarus, and Turkey.

Portfolio highlights

• PlanDelta — PlanDelta is a next-generation financial consolidation, planning and analysis platform that helps companies budget for success through continuous agile planning and reporting all round the year.

Portfolio highlights

• Centric Technologies — Centric Technologies specializes in developing AI models designed to construct and manage investment portfolios. Our tools focus on optimizing portfolios by applying intelligent algorithms that adapt to market changes and investment goals. With our products, fund managers can confidently navigate the complexities of the financial market, backed bydata-driven strategies and continuous model improvement.

Portfolio highlights

• Outdid — Verify identities with no storage, processing, or access of private personal information
• Swipe.bg — Swipe.bg is the first Bulgarian platform for buying and selling second-hand mobile phones.
• Icanpreneur — icanpreneur is a global digital accelerator SaaS platform that guides tech entrepreneurs through investment to product and market fit. icanpreneur was founded in 2021 and was headquartered in Grad Sofiya, Bulgaria.

Portfolio highlights

• Paypercut — Paypercut is a fintech startup that allows small and mid-scaled merchants to offer Buy Now, Pay Later at checkout via a single integration.
• Deep Infra — Deep Infra offers cost-effective, scalable, easy-to-deploy, and production-ready machine-learning models and infrastructures for deep-learning models.
• Self Inspection — Self Inspection provides an AI-powered platform for comprehensive vehicle inspections, covering exterior, interior, tire, and mechanical assessments. With customizable workflows, advanced damage recognition, and expert-reviewed reports, it offers accurate repair estimates and diagnostic results, enhancing transparency and efficiency for automotive professionals in industries like leasing, rentals, marketplaces auctions, and repossessions. Easily accessible via a user-friendly interface, the solution ensures seamless integration and management for all vehicle inspection needs.

Portfolio highlights

• Hybrid — Hybrid is a fintech company that offers a decentralized central AI tool with Web3's ecosystem of AI experts, agents, and data.
• Bitlight Labs — Make Bitcoin Smart
• Pheasant Network — AI-Powered DeFi Super App for Cross-chain Intent.

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.
• DroneSense — Builders of the most comprehensive drone management and collaboration platform on the market.
• Icanpreneur — icanpreneur is a global digital accelerator SaaS platform that guides tech entrepreneurs through investment to product and market fit. icanpreneur was founded in 2021 and was headquartered in Grad Sofiya, Bulgaria.

Portfolio highlights

• Gamium — Gamium is a Web3 and Metaverse technology company building the truly Decentralized Social Metaverse.
• Kudo Labs — Kudo is building an ecosystem of DeFi and web 3.0 products like Unomi and Bitquity for mainstream crypto adoption.
• Space Falcon — Space Falcon is an intergalactic metaverse built on the Solana Ecosystem. They provide stacking and make virtual assets with the introduction of planets, spaceships, and galaxies. Their NFTs for in-game items means players can own and control what they buy, earn, or craft.