Top 50 Payments Angel Investors in Estonia (October 2026)

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

• Creem — Creem is the all-in-one platform where software companies run payments, taxes, affiliates and revenue - together Finance for humans building online
• Bilt.me — Describe your app idea and Bilt builds it. Preview on your phone, publish to the App or Play Store when you're ready.
• ScamGuardian.AI — ScamGuardian develops AI-powered victim simulations to capture actionable scam intelligence

Portfolio highlights

• Salv — Smart AML solutions. Detect and mitigate money laundering risks through advanced transaction monitoring, sanction screening, and KYC risk scoring.
• Wwwash — Download wwwash app. Car wash - hardware and software to connect every car wash to cloud. wwwash.
• Sweatcoin — Sweatcoin is a digital currency backed by physical movement. They verify and convert movement into currency. Users can then donate it to charity, transfer to other users or spend on products, services, and experiences provided by Sweatcoin vendors and user community.Sweatcoin tackles Present Bias by moving the future benefits of exercise into thehere and now- immediately converting movement into a digital currency and changing the perception of physical movement.

Portfolio highlights

• Terra One — Terra One engages in the development and operation of large-scale battery storage systems.
• Calibre — Calibre uses causal AI in conjunction with clinical expertise to help people understand what is truly influencing their health and how to modify it.
• Exakt Health — Exakt Health is the physio app for sports injuries. The Exakt Health app guides users through self-diagnosis for frequent sports injuries and then creates an individualized rehabilitation plan.

Portfolio highlights

• Bilt.me — Describe your app idea and Bilt builds it. Preview on your phone, publish to the App or Play Store when you're ready.
• 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

• Ryder — 60s Setup, Secure Signing, EAL6+ Secure Element, TapSafe Recovery, IP68 Rating, Encrypted NFC.
• VeryAI — VeryAI develops a privacy-preserving identity verification platform using palm-scan biometrics on the Solana blockchain.
• worm.wtf — worm.wtf is the prediction marketplace for the Solana ecosystem.

Portfolio highlights

• Salv — Smart AML solutions. Detect and mitigate money laundering risks through advanced transaction monitoring, sanction screening, and KYC risk scoring.
• VOOL — VOOL is a one-stop shop for EV Charging. Experience chargers that are reliable, save money, and look damn good. Made in Estonia.
• Introwise — Introwise makes it easy for everyday experts to offer coaching and advice online.

Portfolio highlights

• Raiku — Co-located execution for @Solana trading firms. Blackline runs your strategy on the same machine as our validator. rkuSOL for stakers.
• Upexi — Upexi is a multi-faceted brand owner that focuses on direct-to-consumer and Amazon brands. The company pursues organic growth for its present brands while operating in sectors with high growth trends. The objective of Upexi is to keep gathering consumer information and develop a sizable client database across all markets we serve.
• ZAR — Accelerating stablecoin adoption for the next billion users living in countries with unstable money (backed by @a16zcrypto, @dragonflyvc, @coinbase, @vaneck_us)

Portfolio highlights

• Raiku — Co-located execution for @Solana trading firms. Blackline runs your strategy on the same machine as our validator. rkuSOL for stakers.
• Zama — Secure data privacy of your application with the Zama Concrete framework and its fully homomorphic encryption library
• Self Protocol — Self is spearheading a secure, human-first internet by allowing users to verify their identities while maintaining their privacy. Self Protocol is an identity and proof-of-humanity solution that uses zero-knowledge technology to confirm personhood and distinctive traits, like age and nationality, without revealing private information.

Portfolio highlights

• Raiku — Co-located execution for @Solana trading firms. Blackline runs your strategy on the same machine as our validator. rkuSOL for stakers.
• Arcium — The first parallelized confidential computing network.
• ZAR — Accelerating stablecoin adoption for the next billion users living in countries with unstable money (backed by @a16zcrypto, @dragonflyvc, @coinbase, @vaneck_us)

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

• Festivality — Festivality is a platform technology for festivals and events to build smarter next-generation mobile apps, gain new revenues and actionable event and fan analytics. Festivality digitizes live events and turns them into actionable data.

Portfolio highlights

• Tria — Threely is onboarding billions onto Web3 with universal identities. Threely addresses are blockchain-agnostic identities that can be used across Web3 as a profile, chain-agnostic payment endpoints, logins, zkKYCs, and more. Threely is doing the crucial work of helping the top blockchain protocols, wallets, and dApps cast a wider net to onboard abroader part of the internet to Web3.
• Self Protocol — Self is spearheading a secure, human-first internet by allowing users to verify their identities while maintaining their privacy. Self Protocol is an identity and proof-of-humanity solution that uses zero-knowledge technology to confirm personhood and distinctive traits, like age and nationality, without revealing private information.
• Multiplier — Multiplier helps institutional investors research stocks and manage their portfolios. We're live with six hedge funds, and our users spend 4+ hours a day in the platform.Investors who try "nearly every tool on the market," to quote a client of ours, "wind up with an unwieldy collection of fragmented point solutions."Those who focus on building a great setup with general agents are instead "signing up for a full-time job." So we deploy a platform called Multiplier that unifies structured data, unstructured data, AI work, human work, and tacit firm knowledge in one secure, governed, customized application.Our first vertical: independent equity funds with $250M-$5B of assets. They know AI is essential for staying relevant, but they don't have the time or talent to figure out what to do about it. But once we deploy Multiplier––"We used to spend 80% of our time gathering information and 20% of our time acting on it," said one customer. "Multiplier has flipped those percentages."

Portfolio highlights

• 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

• Watches.io — Watches.io seeks to ease the tracking, selling, and purchasing process for luxury watches, a market that is rapidly expanding in popularity among Gen Z and millennials. Watches.io is the e-commerce peer-to-peer marketplace for physical goods to be developed using Web3 technology. The smart contract-powered platform allows users to track their watchportfolios in real time, pursue diversification possibilities, and perform seamless buy/sell transactions.
• 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
• Syndicate — Syndicate enables developers to create scalable, atomically composable appchains with complete control over the network, sequencer, and economy.

Portfolio highlights

• MyDello — Get instant quotes for all transportation modes. Enter a new era of freight forwarding with the MyDello logistics platform. Sign up for free
• Montonio — 10x lower fees and the most customer-friendly financing solution.
• CARÁ Health — Suun combines a midwife-powered app with studios in Tallinn and Berlin to ease pregnancy and postpartum symptoms, build strength and support you every day.

Portfolio highlights

• Relik — Relik is a UAE-based authentication platform that uses AI, visual recognition, and blockchain-backed verification to authenticate collectibles, luxury goods, artwork, and cultural assets. The platform creates tamper-resistant digital identities for physical items without using chips, tags, or holograms, enabling users to verify authenticity throughsmartphone-based object recognition and digital certification.
• Butler.gr —
• Neurohive — Neurohive builds precision livestock farming software for sheep and goat farmers. Digital Farmer helps you make data-driven decisions, improve animal welfare, and grow sustainably.

Portfolio highlights

• Lassie — AI that runs the doctor's office.
• Open Cosmos — Open Cosmos design, build and operate space missions, providing straightforward access to high quality satellite data and insights on a global scale.
• Lightyear — Lightyear is a simple and approachable way to invest your money globally without unnecessary barriers and fees.

Portfolio highlights

• Rotomate — Turn machine data into clear maintenance decisions, at scale. Rotomate's AI colleague monitors every asset so your team knows what to act on.
• Saltfish — Saltfish enables teams to develop tailored video experiences that guide users through your entire funnel, from first visit to feature adoption.
• Grand PMS — Rooms, events and F&B on one AI-assisted platform. GRAND helps hotels and venues automate operations, sell more and spend more time with their guests.

Portfolio highlights

• Montonio — 10x lower fees and the most customer-friendly financing solution.

Portfolio highlights

• Bolt — The smartest way to move around in cities. Forget expensive taxi rides or slow public transport. Get a ride in minutes. Download the Bolt app for iOS and Android.
• Veriff — Highly automated identity verification software from Veriff. We help you build trust and transparency online.
• Digital Sputnik — Making Hollywood level virtual production simple, fast and budget-friendly. Without big screens and teams. Show anything real on any virtual background and let the AI lights sync with the background. For film makers, influencers, streamers and live event organizers.

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

• Defimec — Defimec is an ecosystem of applications that includes deX, tokenization platforms, and DAO protocol.
• Fitty — Fitty allows users to go to the gym of their choice and pay for the minutes they use.
• Ziv4 Technology — Ziv4 Technology is an artificial intelligence algorithm-focused financial technology startup.

Portfolio highlights

• Lutso — Empowering older adults to live independently, safely, and with dignity. Lutso is the smarter way to support aging at home.
• Esgrid — Esgrid provides value-chain sustainability management solutions to medium-sized businesses and financial institutions.
• Frontu — Field service management software designed to simplify business operations. Learn how FSM can transform your field service company. Try now!

Portfolio highlights

• Askly — Add multilingual chat to any site in 2 minutes. Providing multilingual customer support is easy and affordable. Start a 30-day free trial today.
• Snabb — Snabb delights vehicle owners by enabling services such as parking, washing, charging, and fuelling from one user-friendly and convenient interface- the Snabb App. Browse, book, navigate, start, pay, review and manage your vehicle services from one easy-to-use App.Founded in 2015, we've grown from a Tallinn-based private parking App to aninternational platform that serves over 50,000 users in 10 markets on a monthly basis.We are constantly working towards connecting all vehicle service providers to our platform and thus enabling the ultimate convenience and simplicity to vehicle owners. Browse, book, navigate, start, pay, review and manage your vehicle services from one easy-to-use App.
• Promoty — Influencer marketing platform that helps you to find creators, manage influencer relationships, and save time on influencer marketing. Get started here!

Portfolio highlights

• Haz — Track and unlock the resale value of your stuff
• Torg — Torg puts the largest base of suppliers in F&B at the fingertips of buyers with an intuitive SaaS to simplify sourcing.
• Cino — Cino automatically deducts everyone's share from their bank accounts. Create groups with whom you want to share bills, set your ratio split & stop fronting costs!

Portfolio highlights

• POPxo — POPxo is India's online community for women that deals everything from fashion, beauty, lifestyle, work, and etc.Reaching 9 million users every month with over 102 million monthly engaged content views. POPxo provides text and video content in an accessible manner, and reach them where they live their lives: on social media and on mobile.It focuses on reaching a highly targeted audience - the millions of young urban women in India who are growing in confidence, in independence and in spending power, it monetises by working across formats (native ads, social posts, events) with brands who want to reach this important and influential consumer base.I was launch in March 2014 it's become the go-to lifestyle resource for the female (18-34) demographic.
• Campanja — Campanja’s next-generation Bid Management Solutions radically improve return on your advertising spend.We are a technology driven company backed by noteworthy investors such as Google board member and founding investor, Ram Shriram and MySQL founder, David Axmark. Trusted by global organizations, we are redefining paid search and display with apowerful combination of technical and business expertise. Using advanced technologies such as Real Time Tracking, Predictive Modelling and High Frequency Bidding we harness the true potential of online advertising to deliver great results to our clients.
• 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

• Ziv4 Technology — Ziv4 Technology is an artificial intelligence algorithm-focused financial technology startup.

Portfolio highlights

• Listed — Leading the way in building the Web 3.0 Creator Economy.
• AlmaBetter — High-Impact AI Courses with Placement Support | Get Hired via 1200+ Hiring Partners
• 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

• Salv — Smart AML solutions. Detect and mitigate money laundering risks through advanced transaction monitoring, sanction screening, and KYC risk scoring.
• Katana — Katana gives thousands of manufacturers a live look at their business with visual, intuitive, and easy-to-use ERP software.
• Entrepreneurs First — We turn exceptional individuals into funded founders. We back you first, then give you a bridge to Silicon Valley.

Portfolio highlights

• Intropia — Find Web3 jobs and other opportunities, capitalize your network, and hire the best talent.
• SODA — SODA enables the next generation of consumer crypto and meme coins and allows meme coin developers to leverage Telegram.
• Metatable.ai — No coding. No developers. Describe your process in plain English; Metatable builds the software, runs it for you, and hands you the keys, typically live in about 30 minutes.

Portfolio highlights

• Packhelp — Packhelp makes it easy for anyone to create, order and manage fully custom-branded packaging. It connects customers with the most suitable production possibilities, offering them a broad range of packaging products. Packhelp covers everything from local deliveries of small quantities to global procurement of large volumes, with Packhelp Studio – anonline editor for small businesses, instantly purchasable products and orders from 30 pieces, and Packhelp Plus, which helps mid-market companies scale their packaging needs. Founded in 2015, Packhelp currently serves 50,000 customers from over 30 countries. The list of customers includes brands recognized worldwide, like BMW, H&M, Google, L’Oreal, T-Mobile, Uber, Bolt and Wrangler, and many of the local champions from Europe.
• Kriptomat — Simple cryptocurrency investing for everyone. Buy, trade, and invest in Bitcoin & other cryptocurrencies on secure, licensed crypto exchange Kriptomat.
• pod network — One Market to Rule Them All

Portfolio highlights

• 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

• 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

• 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

• Salv — Smart AML solutions. Detect and mitigate money laundering risks through advanced transaction monitoring, sanction screening, and KYC risk scoring.
• CAF — We are specialists in combating identity theft and people trying to impersonate others.
• Xolo — Xolo is an all-for-solos business engine that provides local and global solutions for business formation, VAT-compliant invoicing, accounting, tax reporting, business expenses and more.

Portfolio highlights

• NavigateAI — An AI copilot for every person in the field. NavigateAI upskills and coaches your team, runs real-time quality control, manages the project in the background, and provides expert knowledge, instantly.
• Socket — Socket fights vulnerabilities and provides visibility, defense-in-depth, and proactive supply chain protection for JavaScript, Python, and Go dependencies.
• Cognition — Cognition develops artificial intelligence systems for software engineering and code automation. The company operates Devin, an AI software engineer that plans, writes, tests, debugs, and deploys code through integrated development workflows. Its platform works with existing development tools and codebases to support engineering tasks acrossapplication development, maintenance, and issue resolution. Cognition also provides tools that assist teams with system design, technical workflows, and collaborative coding processes. The company focuses on AI agents that automate repetitive engineering work while supporting software teams in managing complex development tasks.

Portfolio highlights

• SiPhox Health — Painless, 5-minute biomarker testing at home. Clear insights, trend tracking, and a personalized plan built around your results.
• BuildForever — BuildForever build products that feel personal, magical and deeply human.
• Perplexity — Perplexity is a search engine platform that uses artificial intelligence to provide large language models and search engines. The company's platform enables the development of beneficial artificial general intelligence, as well as an open-source environment that is accessible to the public, allowing clients to develop skills and knowledge inartificial intelligence.

Portfolio highlights

• Simporter — From consumer insight to validated, opportunity-sized concept in six weeks. AI-powered research for CPG and FMCG brands.
• Cavea — CAVEA.IO is providing AI based sponsorship and advertising measurement for esports and brands. We help companies make better and more informed decisions based on insights by analyzing the impact of marketing in streaming and social media. We offer authentic and lightning-fast customer support smoother than you ever expected. Working with giantslike FNATIC, ASTRALIS, and DREAMHACK - we continuously strive to become better and deliver more than anyone expects.
• Hive.id — Proactively prevent fraud, build secure experiences for your customers and drive your revenue growth.

Portfolio highlights

• Salv — Smart AML solutions. Detect and mitigate money laundering risks through advanced transaction monitoring, sanction screening, and KYC risk scoring.
• Enview — Our 3D cameras and virtual tour software platform help you digitize your building, automatically create 3D tours, 4K print quality photos, schematic f
• GOSU Data Lab — Try the World`s first game voice assistant to master the game effortlessly. Learn more - how it works and how can it help you.

Portfolio highlights

• Wwwash — Download wwwash app. Car wash - hardware and software to connect every car wash to cloud. wwwash.
• Warren.io — Warren is a complete self-service cloud platform for regional infrastructure service providers. Functionally rich, technologically modern and architecturally reliable turnkey commercialisation solution packaged as a service and driven by your success to compete in the global landscape.
• Planet OS — Planet OS provides big data infrastructure to help renewable energy companies transform the way data is used in their organizations. From operators in control rooms to executives in boardrooms, our specialized applications to integrate, exchange, and visualize data for all stakeholders make renewable energy more competitive.

Portfolio highlights

• Bought — Buy and sell secondhand fashion on Bought. Turn past purchases into ready-to-go listings, shop 50,000+ brands, and get door-to-door delivery in hours.
• Droppe — Order work equipment directly from manufacturers. Support small businesses and source more responsibly from local and European manufacturers. Order from several suppliers at the same time with one shopping cart. Test samples for free and order products for your workplaces without extra hassle. Find nitrile gloves, protective clothing, work gloves, work accessories, disposable gloves, disinfectants, sanitizers and other supplies in one place.
• Tab — Tab builds the infrastructure for real-time digital receipts across the corporate expense ecosystem.

Portfolio highlights

• Ziv4 Technology — Ziv4 Technology is an artificial intelligence algorithm-focused financial technology startup.

Portfolio highlights

• SmartyMeet — We are Leveraging the power of AI to enhance meetings We will create automatic notes during a meeting and real-time language translation | SmartyMeet
• MyCointainer — We are a team of technologists, creatives & entrepreneurs with a very strong background in new, emerging cryptoeconomy. We also worked with international clients in the past.As the technology changes rapidly and grows in an exponential rate we believe there’s a tremendous opportunity to create products that fulfill a goal of connecting thecommunities globally. Both financial licences were obtained by MyCointainer to solidify a commitment to creating an easy, safe and transparent environment for both users and entities.

Portfolio highlights

• Creem — Creem provides Indie Hackers, Micro-SaaS and SaaS businesses with instant financial tools and functionality. As a Merchant of Record our pre-integrated embeddable components tap your existing data, boosting revenue effortlessly. No costs—pure growth potential for your business.

Portfolio highlights

• Wassist — Wassist is a platform for building AI-powered WhatsApp agents that help businesses automate sales, customer support, and marketing directly inside WhatsApp.
• Metaview — Metaview uplevels the most outcome-defining part of your recruitment process: your interviews.
• Clove — Building the financial institution of the future.

Portfolio highlights

• Snabb — Barking delights vehicle owners by enabling services such as parking, washing, charging, and fuelling from one user-friendly and convenient interface- the Barking App. Browse, book, navigate, start, pay, review and manage your vehicle services from one easy-to-use App.Founded in 2015, we've grown from a Tallinn-based private parking App toan international platform that serves over 50,000 users in 10 markets on a monthly basis.We are constantly working towards connecting all vehicle service providers to our platform and thus enabling the ultimate convenience and simplicity to vehicle owners.
• Askel.ai — Askel.ai elevates SaaS with embedded AI automation.
• Lightyear — Lightyear is a simple and approachable way to invest your money globally without unnecessary barriers and fees.

Portfolio highlights

• Swapin.com — Swapin's crypto payment gateway solution allows merchants to accept crypto payments within 5 minutes. Read more to get started.

Portfolio highlights

• 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

• VisioLab — Instantly scan products for self-checkout, using the iPad camera - no barcodes needed. Designed for speed, simplicity and human centricity.
• Cino — Cino automatically deducts everyone's share from their bank accounts. Create groups with whom you want to share bills, set your ratio split & stop fronting costs!