Top 50 Financial Services Startup Investors in Estonia (August 2026)

Portfolio highlights

• Esgrid — Esgrid provides value-chain sustainability management solutions to medium-sized businesses and financial institutions.
• Ligence — AI Automated Echocardiography - Artificial intelligence-powered automated heart ultrasound echo lab system.
• Soldera — Soldera is unifying energy certificate registries. We give corporate energy buyers, sustainability teams, procurement teams, utilities, and traders one infrastructure layer across fragmented registries so they can procure, manage, and cancel renewable energy certificates with far less manual work.The platform combines aggregated procurement fromthousands of utilities with cleaner registry execution and audit-ready, government-backed cancellation statements traceable to the generating machine. That makes renewable energy certificate management easier to run, easier to evidence, and easier to scale across markets.

Portfolio highlights

• OTee — OTee's Industrial Automation platform makes it possible to create and manage industrial-grade virtual control systems, based on open standards and architecture!
• Spiral Hydrogen — All-in-one, bubble-free centrifugal electrolyzer with an embedded axial flux generator that sets a new standard in efficiency and simplicity.
• Nanordica Medical — Nanordica Medical develops novel nanoparticle-based antibacterial wound care products.

Portfolio highlights

• Cytely — Cytely operationalizes biological measurement, turning microscopy into standardized, reproducible data so research teams can accelerate discovery.
• Oplane — Connect your repo. See and fix your vulnerabilities in minutes. AI-powered threat modeling - no consultants, no weeks of docs.
• ReOrbit — Looking for a way to keep your data flowing in space? ReOrbit has you covered with our line of autonomous and inter-networking satellites!

Portfolio highlights

• Copla — Simplify cybersecurity compliance with automated workflows, audits, and risk management. Our expert CISO team tailors solutions to your organization's needs.
• CyberUpgrade — Simplify cybersecurity compliance with automated workflows, audits, and risk management. Our expert CISO team tailors solutions to your organization's needs.
• Nanordica Medical — Nanordica Medical develops novel nanoparticle-based antibacterial wound care products.

Portfolio highlights

• BlackWall — Protect your web site from hacking, content theft, crawling, and cloning!
• Brainbase — Unified Licensing Management Software. Track and visualize brand performance, contracts, and royalties. Manage approvals, track deals, and spot contract violations.
• Flowstep — Flowstep is a copilot that helps you create better designs, 10x faster. Just type and get user flows, high-fidelity UI, JTBD and more.

Portfolio highlights

• Infermedica — Clinical AI triage that guides patients to the right care via chat, voice, or call center. Built by clinicians trusted by patients.
• Leil Storage — ON-PREMISES DISTRIBUTED FILE STORAGE WITH CLOUD-SCALE DENSITY+23% extra FREE capacity and density NOW +23% extra FREE capacity and density NOW +20% lower CO₂ emissions and power costs NOW up to +70% saved energy in the futureFirst distributed filesystem that supports the biggest HDDs on the planet, enabling enterprises with HM-SMR basedstorage.
• Starship Technologies — The future of delivery - today!

Portfolio highlights

• HolmesAI — Clone your intelligence to build the closest AI Agent to the real you. https://t.co/JFpIsFBHPb
• SYNTRA — Live AI trading system. Real-time execution, risk-managed positions, public trade feed. Signals, performance, transparency.
• Zoo Finance — Zoo Finance is a pioneering DeFi protocol focused on unlocking liquidity from locked assets, empowering users to access capital more efficiently while maximizing the utility of their on-chain holdings.

Portfolio highlights

• Friss — Industry's first Trust Automation platform for P&C Insurers. Our solutions help P&C insurance carriers automate trust throughout the policy lifecycle.
• ETFbook — ETFbook provides an information and analytic platform focused on exchange-traded funds (ETFs). It offers data, analytics, and insights to help users make informed decisions about fund selection, trading possibilities, and expense ratios. The platform is designed to broaden the effective use of ETFs by providing comprehensive tools and dashboardsfor analysis.
• Wealthcome — Wealthcome has created a technological ecosystem for all players involved in wealth management, private management, and personal finance management. Our objective is straightforward: to make all phases of asset monitoring, analysis, and optimization accessible, simple, enjoyable, and exact.

Portfolio highlights

• Creem — Creem is the all-in-one platform where software companies run payments, taxes, affiliates and revenue - together Finance for humans building online
• kopa.ai — AI agents for e-commerce growth.
• Outcraft AI — Outcraft AI is the autonomous revenue engine built to drive growth across the entire customer lifecycle.

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

• Cloov — Cloov helps fashion brands integrate rental, resale, and repair services seamlessly. Our white-label platforms, powered by an embedded website builder, connect directly to our software for automatic order management, dispatch, and payment processing.
• hypt — hypt is a Swiss based SaaS marketing solution that empowers companies to digitalize word-of-mouth. By using our word-of-mouth manager companies are able to activate 40% of their customers to send out a personal recommendation to their peers increasing sales through word-of-mouth by 4 times. Our solution empowers our ICP customers in the finance andinsurance segments to strategically use and optimize the most authentic and cost effective advertising channel – word-of-mouth – and makes it an accessible asset of every marketing mix.
• SOMAREALITY — SOMAREALITY provides eye tracking solutions for diverse industries. Improve healthcare, automotive, research & aviation with real-time cognitive insights.

Portfolio highlights

• Elusiv — Elusiv offers compliance in mind with next-generation privacy solutions for a better Web3.
• Blockmate — Connect millions of crypto users to your app with a single API
• Teneo Protocol — Teneo Protocol is a decentralized physical infrastructure network (DePIN) initiative.

Portfolio highlights

• Zengo — Zengo is the most secure crypto wallet: The only self-custodial wallet with no private key vulnerability. Powered by MPC, always recoverable, never hacked.
• DeepSafe — The world's first Cryptographic Random AI Verification Network for trustless verification of any on-chain and off-chain messages.
• SecondLive — SecondLive is a diversified metaverse focused on building social networks and supporting creator economic activities.

Portfolio highlights

• Pstryk — Pstryk is a mobile app that tracks expenditures in real time to help you make budget-conscious decisions about energy consumption.
• Nomagic — Nomagic provides robotic systems to automate repetitive pick-and-place tasks in warehouses with efficiency, flexibility and reliability.
• FlyFocus — We specialize in the design and production of unmanned aerial vehicles for the civilian market and law enforcement.

Portfolio highlights

• PERL.eco — The Planetary Ecosystem Registration Ledger will be a dedicated blockchain for real-world ecological assets through tokenizing carbon credits and biodiversity, NFTs and decentralised (DeFi) rewards.
• 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

Portfolio highlights

• Coursy.io — Make employee development more effective with LMS powered by Learning Design
• Waybiller — Bulk TMS solution for end-to-end management: Waybiller transforms your logistics operations, allowing you to handle bulk shipments with precision and speed. The Best E-waybill Software & Bulk TMS Solution
• Bilance — Bilance is a personal finance management app that helps you to track, analyze and plan your finances.

Portfolio highlights

• Enjinstarter — Web 3.0 Entertainment, Sports, Fashion, Metaverse, Social, Gamefi & Gamified Utility
• Zeitgeist PM — Zeitgeist PM is a blockchain tech to facilitate prediction markets and the futarchy form of governance.
• Genesis Shards — Crafting a whole new suite of NFT powered products across multiple blockchains

Portfolio highlights

• pieverse — Pieverse is a Web3 platform that turns people’s time into tradable digital value.
• Meridian — Meridian is a Movement-native decentralized liquidity marketplace and liquid staking system that allows users to trade and earn with their assets smoothly.
• Movement Labs — Movement Labs is on a mission to create a global community of Move Builders, working together to improve decentralized network user experience.

Portfolio highlights

• Portal to Bitcoin — The only custody-less interoperability protocol for Bitcoin. Swap native BTC, Ordinals, Runes with L2s and L1s
• Euler — The credit layer for programmable finance
• 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

• HUNTY — HUNTY is a platform that help people find jobs by connecting them with world class mentors who prepare them for the job search process. And people only pay when they get hired.
• Revelo — Scale your development team with the top 1% of 1,000,000+ software engineers in Latin America. Get matched with senior remote developers who have strong technical and English-speaking skills & hire them without the overhead. We handle payroll, taxes, and HR. Flat monthly rate.
• Metaloop — Metaloop is a scrap trading company that helps businesses from the metal recycling industry to boost revenue without scaling.

Portfolio highlights

• Oxmiq Labs — Licensable GPU IP and a unified runtime for the age of inference. OXMIQ Labs is re-architecting the GPU stack from atoms to agents.
• Venice — Private & Unrestricted AI | https://t.co/iIt1pyF1TK
• Zap Solutions — Zap, the crypto wallet which allows users to purchase Bitcoin instantly via the Lightning Network

Portfolio highlights

• Rilla — Demonstrating 90% reduction in cost-to-serve for live-streaming, Rilla is rewiring the content economy, directing the value generated back to creators and their communities.By leveraging audience bandwidth and rewarding them with ownership in the network, the savings are equivalent to a free month subscription every year for a moderate level ofviewership.Founded by the technical founders behind Altered State Machine, acquired for 214m. Together for 5+ ventures, collectively raising 130m+ and valued at 1b+.
• Osmo — Osmo is a payment company that helps people to send and receive money immediately.
• Uniblock — Uniblock helps connect developers with Web3 using our APIs and services. Our developers use Uniblock because of how easy it is to integrate into exciting applications. Try it for free today!

Portfolio highlights

• XRADERS — Powering informed decision making for investors XRADERS
• Root Protocol — ISME is building an operating system with the composition of an intent-centric aggregator of digital identity, virtual accounts, social graphs, and more to enable unified access to Web3.
• TON Strategy Company — VERB Technology Company is a software-as-a-Service, or SaaS, applications platform developer. Its platform is comprised of sales enablement business software products marketed on a subscription basis. The applications are available in both mobile and desktop versions. It includes verbCRM, Customer Relationship Management application, verbLEARN,Learning Management System application, and verbLIVE, its Live Broadcast Video Webinar application.

Portfolio highlights

• Yaga — Yaga is designed for everyone who wants to sell items online in a convenient and secure manner.
• Yaga — Yaga is an online selling and shopping platform for new and preloved fashion. Buy preloved clothing safely or open your own shop and sell. Find unique second hand clothes, earn extra money and help save the Planet.
• Grünfin — Grünfin is a sustainable investing platform for people who care about their impact.

Portfolio highlights

• BirdyChat — A modern work chat app for professionals. Start conversations with anyone using their work email. Collaborate and grow your network.
• Giraffe360 — Giraffe360 is game-changing subscription product for real estate companies to streamline professional quality photography and high accuracy floor plan creation.
• Saltz — Premium ingredients for your menu with no hidden delivery fees or markups.

Portfolio highlights

• eTEU — eTEU is a startup that works on documentation process optimisation and digitalisation in the container shipping industry
• Roundabout — La piattaforma per gestire in pochi click le tue campagne di influencer marketing raccontando i tuoi valori e le tue idee. Scopri subito il tool!
• Vonzu — VONZU is a SaaS solution for logistics and delivery management, which allows orchestration of the entire supply chain by integrating retailers and logistics operators in the same cloud ecosystem.

Portfolio highlights

• geoSurge — Customers don't search. They ask.
• Secondmind — Helping automotive engineers design better cars, faster.
• Opensignal — Opensignal is the leading global provider of independent insights into network experience and market performance.

Portfolio highlights

• Axis — Turning market inefficiencies into tokenized alpha. Backed by @galaxyhq, @FalconXGlobal, @okx.
• Zoo Finance — Zoo Finance is a pioneering DeFi protocol focused on unlocking liquidity from locked assets, empowering users to access capital more efficiently while maximizing the utility of their on-chain holdings.
• Hypernova — The onchain prop firm, built to back traders.

Portfolio highlights

• Esgrid — Esgrid provides value-chain sustainability management solutions to medium-sized businesses and financial institutions.
• Supersimple — Supersimple helps SaaS companies use customer behavior data to drive decisions in product & sales.
• ScamGuardian.AI — ScamGuardian develops AI-powered victim simulations to capture actionable scam intelligence

Portfolio highlights

• Vangrid — Vangrid operates as a decentralized physical infrastructure network.
• Dow Protocol — An E-Commerce Financing RWA Platform on @BNBCHAIN, facilitating assets trusted by the world's largest banks. Lead invested by @mhventures @Maple_block
• Fortune Protocol — Fortune Protocol brings the age- old tradition of fortune cookies to the modern prediction market.

Portfolio highlights

• Build38 — Together, OneSpan and Build38 are empowering financial institutions with AI-powered mobile in-app protection across the full mobile app lifecycle.
• CENSE AG — Regtech company that solves the compliance challenges with crypto for banks
• Blockbrain — AI-Driven Business Excellence

Portfolio highlights

• Terra One — Terra One engages in the development and operation of large-scale battery storage systems.
• Fairown — Fairown is a fintech company helping banks, brands, and retailers offer products as a service. Unlike BNPL solutions, we provide a unique payment platform, which allows environmentally conscious businesses to offer products for monthly subscriptions, and manage product renewal cycles.
• Bling.de — The pocket money card and app that empowers children & teens to be money-smart. Safe, simple and educational.

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.
• Primio — The Fastest Way From Idea to App Store Native iOS and Android. Web included. Ready for app stores in minutes.
• Principle — Test your strategic decisions before you commit. Principle simulates competitors, regulators, and market forces to stress-test your bets against adversarial reality.

Portfolio highlights

• Alvin — Highly accurate, automated column-level lineage, powering your data workflows.
• BeTRITON — 100% electric recreational vehicle - revolution in sustainable travel. BeTRITON (formerly known as Z-Triton) offers extraordinary experience and freedom to travel both over land and water.
• Around — The largest network of workspaces on flexible terms. We are a savvy team from Latin America providing fast-growing companies with on-demand access to flexible office space. Everywhere.We believe work at its best is always creative and collaborative, expressed with freedom, autonomy, and purpose; and the space surrounding us should help us achieveit, anywhere & everywhere.We are shaping the future of work today by improving workspaces and the rules around them, and helping innovative teams find their ideal space to make their best work every day — our first step on a journey to change the way we work and think about work.Our best work. Anywhere. Everywhere. We are Around.

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

• Losanje — Losanje has a brand and an upcycling workshop that gives second-hand and unsold completed apparel and textiles a second life. Its goal is to create an innovative manufacturing chain that will allow for the first time the industrialization of upcycling, as well as to implement the most credible solution, both ecologically and economically.
• PulmoBiomed — PulmoBiomed provide clinicians and researchers a non-invasive means of sampling fluids.
• Knock Technology — The world's simplest video chat app: Improves mental health and boosts innovation. It's a secure, cost effective and peer-to-peer telecoms solution for everyone.

Portfolio highlights

• Redpill AI — Access 200+ AI models with privacy-first infrastructure. Private models in GPU TEE, OpenAI-compatible API, zero data retention.
• Rivet.cloud (Formerly OpenRelay) —
• BlockSwap Network — The home of Multichain ETH. Blockswap supercharges the rollup centric future of Ethereum through composable staked ETH and modular Ethereum Blockspace.

Portfolio highlights

• Pacto — Pacto provides technology to restaurants and bars in order to improve the customer experience and accelerate business growth. It seeks to be a catalyst for financial inclusion for small and medium-sized food and beverage companies by integrating them into digital commerce through technology-based solutions.
• ILUMA — ILUMA is building the autonomous solution to onboard, manage, engage and support the next 1M DAO communities in web3.
• Pacto — Presentamos Pacto, tu nueva forma de pedir y pagar en restaurantes.

Portfolio highlights

• Click Cash — Click Cash is a mobile App that simplifies the complicated and bureaucratic process of personal unsecured lending to individuals. 
Available on Google Play Store for Android devices, the app uses BigData and Open Banking for a new approach to personal finance, enabling secure and reliable microcredit to financially underserved people, in additionto financial education to help them make the best use of the new credit options that are now opening for the general public.
 Based out of São Paulo (Brazil), the Fintech startup was originally idealized by Estonian entrepreneurs that saw in Brazil and Latin America the opportunity to develop their solution. Key founders bring 15+ years of experience in online lending in Europe and were founders of Amarbank in Indonesia in 2014, which made IPO in January 2020. 
In 2019 it was estimated 45M unbanked and 65M financially underserved, but active and connected people, in Brazil alone. A group that has a financial activity of more than U$154 billion / R$ 800 billion per year, and a huge unmet demand for microcredit.
 Click Cash offers, in a 5 minutes process, from 100 USD to 1.000 USD loans to be paid back in up to 24 months. Flexible and adapted to the new digital economy, we work with other Fintechs and traditional banks alike, using the most advanced technologies in Data Analytics and Mobile Security, i.e: facial recognition and device behavioral analytics, as well as financial history, that enables us to run a full credit analysis in seconds creating personalized offers per user. 
The Click Cash App was officially launched in March 2020, and by May 2021 had +460K downloads and reached Top 5 in finance Apps in Brazil, with 4+ stars rating in Google Play Store.
• Income — Income is a European marketplace for investing into consumer loans from around the world. Built by investors to investors, we seek to fix the problems of the current peer to peer platforms and to make a better investment experience for all. We connect consumer lending companies around the world to investors and enable an easy, fast and improvedway to invest.
• Shandi Global — Shandi Global is developing technology that will enable it to manufacture plant-based meat substitutes that have amino acid and protein profiles that are similar to real meats, and thus have more flexible use cases than the current offerings of patties, nuggets, and sausages.

Portfolio highlights

• juli — juli helps you manage your chronic condition using artificial intelligence. We first learn everything that's unique about you. Then we guide you to improve your daily life.
• Biorce — Biorce is an innovating HealthAI startup committed to transforming drug development through the use of artificial intelligence.
• Endra —

Portfolio highlights

• Montonio — 10x lower fees and the most customer-friendly financing solution.
• Vok Bikes — We build heavy-duty cargo bikes and rent them out to on-demand delivery companies and their couriers — no surprises, no extra fees. Currently active in Tallinn and Vilnius and expanding to London and Berlin Q4 2021.

Portfolio highlights

• YAROOMS — YArooms is a web based booking software package that makes it easy for you to manage rooms and resources and to book a room anywhere, even if it is in a different time zone or location. It prevents double bookings and allows revenue tracking through its Reports feature. YArooms allows for granular access of your users to the meeting rooms byorganizing users into types and soon groups. Meeting rooms can have owners, restricted users will require approval from the room owners for each meeting. If you use Outlook for work, you can bring YArooms into your email client by installing our dedicated plugin. You’ll be able to use YArooms without opening up the web application. All YArooms accounts come bundled with the YArooms Door app. Install it on a the tablet of your choice and mount that on your conference room's door. Check-in functionality with auto-release is built in, you can also book directly from the app, see the room’s current status and much more.
• Dronamics — Dronamics offers an all-in-one solution for the middle-mile powered by our Black Swan cargo drone, a network of droneports, and fully mobile control and cargo systems.
• Sypher Solutions — Sypher Suite is a GDPR software platform. Simplify and organize your GDPR compliance work. Get powerful tools for DPO effectiveness. DPIA Support. Dynamic data flows. Smart monitoring. Robust controls. Start your free trial now!

Portfolio highlights

• Itheum — As we enter the web3 and metaverse era; Itheum unlocks data silos and generates new value for your data.
• OP_NET —
• Watch.fun —

Portfolio highlights

• Solana — Solana is the high performance network powering internet capital markets, payments, and crypto applications. Fast. Decentralized. Scalable. Energy efficient. Solana can power thousands of transactions per second.
• Perion — Win Crypto Questing in AAA Games.
• Saturn — Saturn is the first financial application built on digital credit.

Portfolio highlights

• NuLink — NuLink combines best practices with best-of-breed security solutions to provide privacy-preserving technology with enterprise level security for decentralized applications
• COTI AI Agents — COTIAgents researches and builds at the intersection of blockchain and AI on COTI Network. First AI Grantee of @MomentumX_ Accelerator by @COTInetwork
• Velvet Capital — Trade any crypto onchain - spot and perpetuals across 7 chains with AI-powered routing. Non-custodial DeFi trading terminal + AI trading bot. 100K+ traders.

Portfolio highlights

• Arcjet — Arcjet helps developers protect their apps in just a few lines of code. Implement rate limiting, bot protection, email validation, and defense against common attacks.
• Qovery — Qovery is a DevOps automation tool that lets developers deploy and scale applications on their cloud by simplifying and automating infrastructure so tech teams can focus on what matters most: building great products.
• Handhold — Handhold is an AI platform that creates multimodal agents to automate the sales and onboarding process for inbound leads.

Portfolio highlights

• worm.wtf — worm.wtf is the prediction marketplace for the Solana ecosystem.
• Pulse — Pulse is a developer of an all-in-one health and wellness platform designed to integrate a wearable gadget and a fitness tracking software.
• Vanish Trade — Vanish Trade is a Solana-based trading platform focused on anonymity.

Portfolio highlights

• Raiku — Raiku is a Web3 infrastructure startup focused on enhancing the Solana blockchain's reliability and predictability.
• Zama — Secure data privacy of your application with the Zama Concrete framework and its fully homomorphic encryption library
• Turtle Club — Turtle aligns incentives between protocols and LPs to offer the best curated incentives in DeFi.

Portfolio highlights

• Wert — Making purchasing of NFTs seamless and not requiring users to have crypto.
• Klavi — Klavi specializes in data analytics and open data connectivity that receives data securely, quickly, and scalable through a single API.
• CAF — We are specialists in combating identity theft and people trying to impersonate others.

Portfolio highlights

• VOOL — VOOL is a one-stop shop for EV Charging. Experience chargers that are reliable, save money, and look damn good. Made in Estonia.
• Mifundo — Mifundo ensures trust between banks and individuals by providing secure, verified financial histories across borders.