# Robert Kraal

> Robert Kraal is a seed investor in Amsterdam backing FinTech and Payments. See 6 investments, round sizes, portfolio and contact details. Updated Oct 2026.

- Type: Angel Investor
- Location: Amsterdam, The Netherlands
- Total investments: 6
- Last investment: Jan 2024
- Lead investor: 0%
- Last updated: Oct 2026
- LinkedIn: https://nl.linkedin.com/in/robertkraal
- X (Twitter): https://twitter.com/robert_je

Robert Kraal is a seed investor in Amsterdam focused on FinTech and Payments. Robert Kraal - Co-Founder and CBDO @ Silverflow

## Contacts

5 contacts available for Robert Kraal: work email, personal email, work phone, personal phone and socials. Sign up free to unlock them: https://app.shizune.co/sign-up/investor-profiles/find-email/robert-kraal?utm_source=investor_profile

## Investment focus

### Industry

| Industry | Investments | Share |
| --- | --- | --- |
| FinTech | 4 | 67% |
| Payments | 4 | 67% |
| Financial Services | 4 | 67% |
| SaaS | 1 | 17% |
| Finance | 1 | 17% |

8 industries tracked in total.

### Stage

| Stage | Investments | Share |
| --- | --- | --- |
| Seed | 3 | 50% |
| Series A | 2 | 33% |
| Pre-Seed | 1 | 17% |

### Country

| Country | Investments | Share |
| --- | --- | --- |
| The Netherlands | 3 | 50% |
| Switzerland | 1 | 17% |
| United Kingdom | 1 | 17% |

## Investments

| Company | Description | Round size | Stage | Date | Website |
| --- | --- | --- | --- | --- | --- |
| Rivero | Rivero Ltd. is a privately held company based in Switzerland, with a strong focus on simplifying card payments operations. Rivero provides SaaS solutions for all players in the card payment ecosystem such as issuers, acquirers and FinTechs.Kajo - Scheme Compliance Made Easy The only solution designed for and tailored to the scheme licensecompliance management. By fully digitalising and automating the administrative part of the process, Kajo drastically reduces the overhead and time spent in organising all required work to stay compliant with changing rules and requirements of payment networks. For Service Providers, Kajo makes it easy to directly access relevant publications and announcements from Mastercard and Visa that impact their business.Amiko - Fraud Recovery & Dispute Management Reinvented The first and only Fraud Recovery and Dispute Management SaaS solution. Amiko creates a whole new way to tackle fraud reporting, fraud recovery and cardholder disputes. By covering the whole lifecycle of a dispute, from pre-dispute (via Ethoca & Verifi) to arbitration rulings by Mastercard and Visa, Amiko can replace any dispute management system. With a truly end-to-end digital approach, Amiko offers a set of unique features, such as automation and cardholder self-servicing in the issuing bank app or portals. | $7.2M | Series A | Jan 11, 2024 | http://www.rivero.tech/ |
| Talk360 | Talk360 is an easy-to-use calling app that helps people make affordable international calls to any mobile and landline number. They believe that reliable communication and digital services must be affordable and accessible to everyone, regardless of someone's background. Especially people in emerging countries in Africa, who often need theseservices the most, do not always have the necessary banking possibilities. To bridge this distance, Talk360 will launch the world's first single checkout platform for Africa. This platform will combine all locally available payment methods and currencies across Africa, together with over 1.25 million cash points of sales, and will eventually be available to other companies as well. This means that 500 million Africans will be able to purchase digital services they never had access to before. | $4M | Seed | Jun 01, 2022 | https://www.talk360.com/ |
| Flow | Flow is FinTech 3.0: It let's you automate payments between your bank accounts and wallets. Based on triggers and actions you can transfer your money automatically to the accounts you choose. Use Flow to automate a budgetting system, your investing, buying crypto or to distribute your money the way you like it. Where the previous generationpayment companies needed to build and maintain expensive payment rails, Flow focusses on leveraging Open Banking. People trust Flow to help with their cashflow automation. | $3.8M | Seed | Apr 20, 2022 | https://flowyour.money/ |
| Volt.io | Volt is building the global infrastructure for real-time payments everywhere. We’re accelerating a global real-time revolution by creating a single gateway to a world of account-to-account payments. This network of networks, powered by open banking, is transforming how money moves on a global scale. By uniting real-time open payments systems toone harmonised standard, we give businesses the power to offer customers everywhere the same frictionless payments experience. | $23.5M | Series A | Jun 16, 2021 | https://volt.io |
| Payaut | Payaut offer an automated payment solution for online marketplaces. Payaut provides a PSD2-compliance and automation of the payout process. The solution helps online marketplaces platforms with automated seller onboarding and KYC, split payment and payouts while being PSP agnostic. this allows marketplaces to work with any PSP or multiplePSP's at the same time. | $3.1M | Seed | Dec 07, 2020 | https://www.payaut.com/ |
| Flow | Flow is FinTech 3.0: It let's you automate payments between your bank accounts and wallets. Based on triggers and actions you can transfer your money automatically to the accounts you choose. Use Flow to automate a budgetting system, your investing, buying crypto or to distribute your money the way you like it. Where the previous generationpayment companies needed to build and maintain expensive payment rails, Flow focusses on leveraging Open Banking. People trust Flow to help with their cashflow automation. | $667.5K | Pre-Seed | Oct 17, 2019 | https://flowyour.money/ |

6 of 6 investments shown.

## Co-investors
- [4Di Capital](https://shizune.co/investors/profile/4di-capital) — VC Fund, 1 deal together
- [6 Degrees Capital](https://shizune.co/investors/profile/6-degrees-capital) — VC Fund, 1 deal together
- [Augmentum Fintech](https://shizune.co/investors/profile/augmentum-fintech) — VC Fund, 1 deal together
- [Brooklyn Ventures](https://shizune.co/investors/profile/brooklyn-ventures) — VC Fund, 1 deal together
- [DotExe Ventures](https://shizune.co/investors/profile/dotexe-ventures) — VC Fund, 1 deal together
- [Eleven Ventures](https://shizune.co/investors/profile/eleven) — VC Fund, 1 deal together

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## Featured in investor lists
- [Financial Services Angel Investors in Switzerland](https://shizune.co/investors/financial-services-angel-investors-switzerland)

## FAQ

### What does Robert Kraal invest in?

Robert Kraal invests primarily in FinTech, Payments and Financial Services startups, most often at Seed and Series A stage. Most of the 6 investments tracked by Shizune back companies in The Netherlands. The Investment Focus section breaks down every industry, stage and country in the portfolio.

### How do I contact Robert Kraal?

Public channels for Robert Kraal include LinkedIn and X (Twitter). For a verified work email and phone number, create a free Shizune account — contact data is searched across 20+ sources and validated before delivery, so your outreach lands in the right inbox.

### When did Robert Kraal last invest?

The most recent investment recorded for Robert Kraal closed in Jan 2024. Shizune tracks 6 investments in total for this profile, including round sizes, stages and portfolio companies, all sourced from confirmed public funding rounds and refreshed monthly.

### Is Shizune's investor data accurate?

Yes — every stat on this profile is calculated from confirmed public funding rounds monitored across hundreds of sources since 2020. This profile was last refreshed in Oct 2026 and is updated monthly. Spotted something off? Use the “Suggest an edit” link near the top of the page.

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