Balderton Capital

Request Finance is a financial management platform that facilitates cryptocurrency invoicing, payroll, and expense management for businesses. The platform allows users to send and receive invoices in various cryptocurrencies, automate payments, and track their financial transactions efficiently. Designed to assist finance, operations, and HR managers, Request Finance eliminates the challenges of manual processes, enabling them to concentrate on more critical tasks. The platform also ensures compliance with tax regulations and integrates seamlessly with accounting systems for streamlined reporting. By serving companies, freelancers, and decentralized autonomous organizations (DAOs), Request Finance simplifies digital asset payments and enhances overall financial operations.

Cino is a mobile application that facilitates group payments by offering a virtual shared card platform for seamless bill splitting. The app allows users to set their payment ratios before or after transactions, enabling group members to easily determine how much each person owes. Cino automatically tracks every transaction, providing transparency on who paid and the amounts involved. Additionally, users can set spending limits, helping them manage their expenses effectively.

Payflows is a financial technology company that offers a software-as-a-service platform aimed at enhancing the efficiency of finance teams and workflows within organizations. The platform focuses on key areas such as accounts payable, accounts receivable, customer and supplier management, payments, and cash flow management. By leveraging artificial intelligence, Payflows automates essential tasks like data gathering, reporting, benchmarking, and order execution, thereby enabling businesses to minimize costs and improve the management of their operational cash flows.

Ramp Network is a fintech startup founded in 2017 by Przemek Kowalczyk and Szymon Sypniewicz, headquartered in Warsaw, Poland. The company focuses on developing payment infrastructure that bridges the gap between cryptocurrency and traditional finance. Its mission is to create a seamless connection between the open blockchain financial system and conventional banking, eliminating the need for a trusted third party. Ramp Network's platform is designed for a variety of clients, including enterprises, gaming companies, non-fungible token marketplaces, decentralized finance projects, and digital wallets. This integration enables these businesses to facilitate fiat-to-crypto transactions for their users, allowing for efficient contract execution and the locking of digital assets within their operations.

Request Finance is a financial management platform that facilitates cryptocurrency invoicing, payroll, and expense management for businesses. The platform allows users to send and receive invoices in various cryptocurrencies, automate payments, and track their financial transactions efficiently. Designed to assist finance, operations, and HR managers, Request Finance eliminates the challenges of manual processes, enabling them to concentrate on more critical tasks. The platform also ensures compliance with tax regulations and integrates seamlessly with accounting systems for streamlined reporting. By serving companies, freelancers, and decentralized autonomous organizations (DAOs), Request Finance simplifies digital asset payments and enhances overall financial operations.

Numeral is a payment automation API tailored for modern financial institutions, digital firms, and various businesses. The company's technology facilitates seamless money transfers between users and their banks, allowing for the sending, receiving, and reconciling of funds. It supports a range of payment methods, including SEPA transfers, direct debits, and instant payments. This enables technology companies, financial institutions, and corporations to efficiently scale their payment operations, streamlining financial transactions and enhancing overall operational efficiency.

Ramp Network is a fintech startup founded in 2017 by Przemek Kowalczyk and Szymon Sypniewicz, headquartered in Warsaw, Poland. The company focuses on developing payment infrastructure that bridges the gap between cryptocurrency and traditional finance. Its mission is to create a seamless connection between the open blockchain financial system and conventional banking, eliminating the need for a trusted third party. Ramp Network's platform is designed for a variety of clients, including enterprises, gaming companies, non-fungible token marketplaces, decentralized finance projects, and digital wallets. This integration enables these businesses to facilitate fiat-to-crypto transactions for their users, allowing for efficient contract execution and the locking of digital assets within their operations.

Primer API Limited operates an online platform that consolidates fragmented payment ecosystems for e-commerce merchants and online payment facilitators. Founded in 2019 and based in London, the company provides solutions to optimize both front and backend payment flows, aiming to enhance authorization rates, minimize costs, and facilitate market expansion. Primer enables users to seamlessly connect with various third-party services, including payment service providers, fraud detection systems, and subscription billing engines. Its platform allows merchants to easily integrate new payment methods, streamline fraud mitigation, and implement sophisticated transaction routing without requiring coding skills. Through these capabilities, Primer enhances the overall commerce experience for customers and empowers businesses to improve their operational efficiency.

Primer API Limited operates an online platform that consolidates fragmented payment ecosystems for e-commerce merchants and online payment facilitators. Founded in 2019 and based in London, the company provides solutions to optimize both front and backend payment flows, aiming to enhance authorization rates, minimize costs, and facilitate market expansion. Primer enables users to seamlessly connect with various third-party services, including payment service providers, fraud detection systems, and subscription billing engines. Its platform allows merchants to easily integrate new payment methods, streamline fraud mitigation, and implement sophisticated transaction routing without requiring coding skills. Through these capabilities, Primer enhances the overall commerce experience for customers and empowers businesses to improve their operational efficiency.

Wagestream Ltd., founded in 2018 and headquartered in London, United Kingdom, develops a financial services application designed to enhance employee benefits and financial well-being. The platform allows employees to access their earned wages instantly, providing them with greater control over their pay schedules. This innovation aims to alleviate financial stress related to unexpected expenses by eliminating the need for advances, loans, and the burdens of high-interest credit or payday loans. Additionally, Wagestream offers various financial tools that help businesses support their employees in managing expenses, setting savings goals, and developing financial plans. By addressing these financial challenges, Wagestream seeks to reduce the poverty premium and prevent employees from falling into cycles of debt.

Primer API Limited operates an online platform that consolidates fragmented payment ecosystems for e-commerce merchants and online payment facilitators. Founded in 2019 and based in London, the company provides solutions to optimize both front and backend payment flows, aiming to enhance authorization rates, minimize costs, and facilitate market expansion. Primer enables users to seamlessly connect with various third-party services, including payment service providers, fraud detection systems, and subscription billing engines. Its platform allows merchants to easily integrate new payment methods, streamline fraud mitigation, and implement sophisticated transaction routing without requiring coding skills. Through these capabilities, Primer enhances the overall commerce experience for customers and empowers businesses to improve their operational efficiency.

Wagestream Ltd., founded in 2018 and headquartered in London, United Kingdom, develops a financial services application designed to enhance employee benefits and financial well-being. The platform allows employees to access their earned wages instantly, providing them with greater control over their pay schedules. This innovation aims to alleviate financial stress related to unexpected expenses by eliminating the need for advances, loans, and the burdens of high-interest credit or payday loans. Additionally, Wagestream offers various financial tools that help businesses support their employees in managing expenses, setting savings goals, and developing financial plans. By addressing these financial challenges, Wagestream seeks to reduce the poverty premium and prevent employees from falling into cycles of debt.

GoCardless Limited, established in 2011 and headquartered in London, specializes in online payment processing services for businesses. It facilitates bank-to-bank transfers through web-based gateways and APIs, enabling merchants to collect one-off and recurring payments. The company's key products include GoCardless for simple online payments, GoCardless Pro for building recurring payment ecosystems, and Success+ for predicting and managing payment failures. GoCardless offers international payment collection, with connections to over 2,300 banks across Europe, and securely provides bank account data to enhance products and manage risk. With strategic alliances like Zuora, Inc., GoCardless serves over 75,000 businesses worldwide, operating from offices in London, Paris, Munich, Melbourne, and New York.

Wonga is a UK-based online lender specializing in small, short-term cash advances. It uses advanced risk assessment technology to make swift, responsible lending decisions. Customers can customize loan amounts (up to £750) and durations (5 to 30 days) before applying, with funds deposited within minutes. Wonga's fully automated system offers more speed and flexibility than traditional credit options, aiming to help consumers manage temporary cash shortfalls rather than long-term debt. It has been recognized for its innovative technology, winning awards such as the Red Herring Europe 100 and the National Business Awards.

GoCardless Limited, established in 2011 and headquartered in London, specializes in online payment processing services for businesses. It facilitates bank-to-bank transfers through web-based gateways and APIs, enabling merchants to collect one-off and recurring payments. The company's key products include GoCardless for simple online payments, GoCardless Pro for building recurring payment ecosystems, and Success+ for predicting and managing payment failures. GoCardless offers international payment collection, with connections to over 2,300 banks across Europe, and securely provides bank account data to enhance products and manage risk. With strategic alliances like Zuora, Inc., GoCardless serves over 75,000 businesses worldwide, operating from offices in London, Paris, Munich, Melbourne, and New York.

GoCardless Limited, established in 2011 and headquartered in London, specializes in online payment processing services for businesses. It facilitates bank-to-bank transfers through web-based gateways and APIs, enabling merchants to collect one-off and recurring payments. The company's key products include GoCardless for simple online payments, GoCardless Pro for building recurring payment ecosystems, and Success+ for predicting and managing payment failures. GoCardless offers international payment collection, with connections to over 2,300 banks across Europe, and securely provides bank account data to enhance products and manage risk. With strategic alliances like Zuora, Inc., GoCardless serves over 75,000 businesses worldwide, operating from offices in London, Paris, Munich, Melbourne, and New York.

PayWithMyBank, Inc. is a payment management service based in Redwood City, California, and operates as a subsidiary of eWise Group, Inc. Founded in 2005, the company provides a secure online portal that allows consumers to make payments or receive funds directly from their online banking accounts without the need to store sensitive login information. By logging into their banking accounts through the merchant's site or app, users can complete transactions without sharing their bank credentials, ensuring privacy and security. The service eliminates the need for card information, additional accounts, or passwords, while allowing for real-time payment verification and settlement, thereby offering a straightforward and secure alternative to traditional payment methods like cards and checks.

GoCardless Limited, established in 2011 and headquartered in London, specializes in online payment processing services for businesses. It facilitates bank-to-bank transfers through web-based gateways and APIs, enabling merchants to collect one-off and recurring payments. The company's key products include GoCardless for simple online payments, GoCardless Pro for building recurring payment ecosystems, and Success+ for predicting and managing payment failures. GoCardless offers international payment collection, with connections to over 2,300 banks across Europe, and securely provides bank account data to enhance products and manage risk. With strategic alliances like Zuora, Inc., GoCardless serves over 75,000 businesses worldwide, operating from offices in London, Paris, Munich, Melbourne, and New York.

Wonga is a UK-based online lender specializing in small, short-term cash advances. It uses advanced risk assessment technology to make swift, responsible lending decisions. Customers can customize loan amounts (up to £750) and durations (5 to 30 days) before applying, with funds deposited within minutes. Wonga's fully automated system offers more speed and flexibility than traditional credit options, aiming to help consumers manage temporary cash shortfalls rather than long-term debt. It has been recognized for its innovative technology, winning awards such as the Red Herring Europe 100 and the National Business Awards.

betNOW, primarily based in the UK, is a mobile betting service. They make the process very simple for users to bet on a variety of sporting events including (but not limited to) horse racing, football, greyhounds, golf, motor racing, and tennis.Users simply send a text to 89808 with their lucky team or event. A follow-up allows them to make further selections. Bets are charged to the user's phone bill -- or a special betNOW account that allows for credit card and debit card deposits -- and users can collect their winnings at a local post office after verifying their age online. betNOW's website explains that there's a £300/month limit on betting using a mobile phone account. betNOW received funding from UK's Balderton Capital.

Wonga is a UK-based online lender specializing in small, short-term cash advances. It uses advanced risk assessment technology to make swift, responsible lending decisions. Customers can customize loan amounts (up to £750) and durations (5 to 30 days) before applying, with funds deposited within minutes. Wonga's fully automated system offers more speed and flexibility than traditional credit options, aiming to help consumers manage temporary cash shortfalls rather than long-term debt. It has been recognized for its innovative technology, winning awards such as the Red Herring Europe 100 and the National Business Awards.