FJ Labs

Wurthy develops financial software aimed at supporting business growth and enhancing customer purchasing power. The company specializes in creating solutions that help businesses eliminate credit card fees and increase their earnings. With a focus on optimizing financial transactions, Wurthy offers a credit system platform that enables peer-to-peer transactions with secure and flexible payment options for creditworthy buyers. This innovative approach allows small businesses to generate recurring monthly revenue and earn interest on each sale, ultimately facilitating smoother and more efficient financial operations across various industries.

Vinted operates an online marketplace intended to make second-hand the first choice. Its platform offers a peer-to-peer marketplace for girls and women to buy, sell, and swap clothes with an online chatting feature, enabling users to shop with ease at low cost.

Scramble is a lending marketplace based in Tallinn, Estonia, that facilitates debt financing for startups by connecting them with busy professionals seeking investment opportunities. Founded in 2020, the platform allows innovative businesses to present their growth capital needs through monthly curated collections, known as 'batches,' featuring consumer goods startups. Investors can allocate capital to these startups via pre-approved credit limits, which are based on the estimated lifetime income of each co-founder. This streamlined process enables private investors to participate in monthly fundraising rounds, typically completing their investments in under five minutes. Scramble's model supports startups in securing high-yield debt financing while offering a convenient investment avenue for professionals.

Scramble is a lending marketplace based in Tallinn, Estonia, that facilitates debt financing for startups by connecting them with busy professionals seeking investment opportunities. Founded in 2020, the platform allows innovative businesses to present their growth capital needs through monthly curated collections, known as 'batches,' featuring consumer goods startups. Investors can allocate capital to these startups via pre-approved credit limits, which are based on the estimated lifetime income of each co-founder. This streamlined process enables private investors to participate in monthly fundraising rounds, typically completing their investments in under five minutes. Scramble's model supports startups in securing high-yield debt financing while offering a convenient investment avenue for professionals.

Popsy is an innovative AI-powered mobile application designed for local buying and selling, establishing itself as a next-generation classifieds platform. Users can list a wide range of items, including electronics, clothing, housing, cars, and furniture, by simply taking a photo. The application employs advanced image recognition technology to provide real-time suggestions for titles, prices, and categories, streamlining the selling process. Popsy focuses on creating a user-friendly marketplace where individuals can trade second-hand and refurbished goods, particularly cell phones, quickly and safely. The platform facilitates instant communication between buyers and sellers, allowing users to receive offers within minutes while avoiding commissions and transaction fees, thus promoting a more accessible and cost-effective trading experience.

Scramble is a lending marketplace based in Tallinn, Estonia, that facilitates debt financing for startups by connecting them with busy professionals seeking investment opportunities. Founded in 2020, the platform allows innovative businesses to present their growth capital needs through monthly curated collections, known as 'batches,' featuring consumer goods startups. Investors can allocate capital to these startups via pre-approved credit limits, which are based on the estimated lifetime income of each co-founder. This streamlined process enables private investors to participate in monthly fundraising rounds, typically completing their investments in under five minutes. Scramble's model supports startups in securing high-yield debt financing while offering a convenient investment avenue for professionals.

Scramble is a lending marketplace based in Tallinn, Estonia, that facilitates debt financing for startups by connecting them with busy professionals seeking investment opportunities. Founded in 2020, the platform allows innovative businesses to present their growth capital needs through monthly curated collections, known as 'batches,' featuring consumer goods startups. Investors can allocate capital to these startups via pre-approved credit limits, which are based on the estimated lifetime income of each co-founder. This streamlined process enables private investors to participate in monthly fundraising rounds, typically completing their investments in under five minutes. Scramble's model supports startups in securing high-yield debt financing while offering a convenient investment avenue for professionals.

Peerforum is a provider of advisory services aimed at enhancing individual performance and fostering meaningful connections among members. The company offers scalable small group coaching, allowing participants to tackle personal and professional challenges in a supportive environment. By facilitating discussions among peers who share their experiences, Peerforum enables individuals to receive valuable feedback and encouragement. This approach not only aids personal development but also helps organizations cultivate and maintain a forum culture aligned with their core values.

Ziina is a financial services company that specializes in peer-to-peer payment solutions through a mobile application. The platform ensures bank-grade security, utilizing end-to-end encryption to facilitate safe transactions. Users can send and receive funds simply using a phone number, allowing for efficient management of personal finances and greater control over their money.

Vinted operates an online marketplace intended to make second-hand the first choice. Its platform offers a peer-to-peer marketplace for girls and women to buy, sell, and swap clothes with an online chatting feature, enabling users to shop with ease at low cost.

Scramble is a lending marketplace based in Tallinn, Estonia, that facilitates debt financing for startups by connecting them with busy professionals seeking investment opportunities. Founded in 2020, the platform allows innovative businesses to present their growth capital needs through monthly curated collections, known as 'batches,' featuring consumer goods startups. Investors can allocate capital to these startups via pre-approved credit limits, which are based on the estimated lifetime income of each co-founder. This streamlined process enables private investors to participate in monthly fundraising rounds, typically completing their investments in under five minutes. Scramble's model supports startups in securing high-yield debt financing while offering a convenient investment avenue for professionals.

MPB is an online marketplace that focuses on the buying, selling, and trading of used photography and videography equipment. Founded in 2011 and based in Brighton, East Sussex, the platform aims to simplify access to photo and video gear by offering a customer-centric service powered by technology. MPB provides a wide range of products, including camera bodies, lenses, filters, and accessories, each of which undergoes a thorough inspection and approval process before resale. By utilizing a custom-designed technology, MPB addresses the challenges of peer-to-peer transactions, ensuring that both buyers and sellers are offered fair prices for their equipment.

Curtsy, Inc. operates a mobile application that enables women to rent and sell clothing, shoes, handbags, jewelry, and accessories. Founded in 2015 and headquartered in San Francisco, California, Curtsy focuses on providing a platform for users to buy and sell items directly from one another. The app employs machine learning and human review to enhance the merchandising of items, while also offering sellers a Shipping Kit to streamline order fulfillment. Catering to a younger generation seeking sustainable shopping alternatives, Curtsy facilitates a community-driven approach to clothing resale, allowing users to share and access a diverse range of fashion items.

Ziina is a financial services company that specializes in peer-to-peer payment solutions through a mobile application. The platform ensures bank-grade security, utilizing end-to-end encryption to facilitate safe transactions. Users can send and receive funds simply using a phone number, allowing for efficient management of personal finances and greater control over their money.

Toss is a South Korean mobile financial service platform operated by the fintech startup Viva Republica, founded in 2011 by Seunggun Lee in Seoul. The application provides a range of financial services, including peer-to-peer money transfers, credit score management, bank account oversight, and access to loans and insurance plans. Additionally, Toss offers features such as bill-splitting and QR payment options, all designed to facilitate hassle-free financial management for its users.

Twine Ltd is an online platform based in Manchester, United Kingdom, that facilitates collaboration among musicians, filmmakers, designers, and photographers while providing opportunities for paid work. Established in 2014, Twine serves as a marketplace connecting companies with a network of over 200,000 creative freelancers specializing in various fields such as music, design, and film. The platform simplifies the process of writing project briefs and curating high-quality freelancers, enabling businesses to efficiently find the right talent for projects ranging from logo design to explainer videos. By allowing freelancers to choose projects that interest them and build their portfolios, Twine fosters a global creative community that enhances collaboration and quality output.

SWAP provides a modular payment platform that enables companies to enhance their financial operations through innovative technology and a unique business model. By offering APIs for end-to-end, white-label financial solutions, SWAP allows clients to create comprehensive financial ecosystems that include features such as pre-paid cards, digital wallets, and various financial services. This platform facilitates secure money disbursements to merchants, assists with fund collection and bill payments, and supports peer-to-peer transactions via QR codes. By integrating these services, SWAP empowers businesses to expand their core offerings, eliminate barriers, and develop new revenue streams, effectively establishing internal fintech capabilities.

Curtsy, Inc. operates a mobile application that enables women to rent and sell clothing, shoes, handbags, jewelry, and accessories. Founded in 2015 and headquartered in San Francisco, California, Curtsy focuses on providing a platform for users to buy and sell items directly from one another. The app employs machine learning and human review to enhance the merchandising of items, while also offering sellers a Shipping Kit to streamline order fulfillment. Catering to a younger generation seeking sustainable shopping alternatives, Curtsy facilitates a community-driven approach to clothing resale, allowing users to share and access a diverse range of fashion items.

Vinted operates an online marketplace intended to make second-hand the first choice. Its platform offers a peer-to-peer marketplace for girls and women to buy, sell, and swap clothes with an online chatting feature, enabling users to shop with ease at low cost.

Toss is a South Korean mobile financial service platform operated by the fintech startup Viva Republica, founded in 2011 by Seunggun Lee in Seoul. The application provides a range of financial services, including peer-to-peer money transfers, credit score management, bank account oversight, and access to loans and insurance plans. Additionally, Toss offers features such as bill-splitting and QR payment options, all designed to facilitate hassle-free financial management for its users.

Pulse Q&A is an internet company that empowers CIOs to make innovation and spend decisions based on crowdsourced data. The company gives its users access to relevant conversations and data, they can now make decisions that actually move the needle. Pulse Q&A was founded in 2017 and headquartered in California, United States.

MPB is an online marketplace that focuses on the buying, selling, and trading of used photography and videography equipment. Founded in 2011 and based in Brighton, East Sussex, the platform aims to simplify access to photo and video gear by offering a customer-centric service powered by technology. MPB provides a wide range of products, including camera bodies, lenses, filters, and accessories, each of which undergoes a thorough inspection and approval process before resale. By utilizing a custom-designed technology, MPB addresses the challenges of peer-to-peer transactions, ensuring that both buyers and sellers are offered fair prices for their equipment.

Beepi is a Los Altos, California-based company that operates an online peer-to-peer marketplace for buying and selling used cars, launched in April 2014. The platform allows users to conduct transactions using a smartphone or PC, eliminating the need for traditional car dealerships and the associated complexities of negotiating prices. Sellers can list their vehicles, undergo a professional inspection, and if a car does not sell, Beepi may purchase it directly. This approach aims to streamline the process of buying and selling used cars, providing better pricing and a more transparent experience for both parties. Beepi represents a significant shift in the used car market by facilitating a straightforward and efficient transaction process.