Seedcamp

Managing money coming in, money going out and the resulting cash flow is complex. The process is fragmented across banks, accounting platforms, accountants, FX tools, lenders, and more. At best, this complexity is an annoyance. At worst, it kills your company. Mimo offers a beautiful, easy-to-use tool to manage, understand and control payments and cash flow – saving you time and money.

Managing money coming in, money going out and the resulting cash flow is complex. The process is fragmented across banks, accounting platforms, accountants, FX tools, lenders, and more. At best, this complexity is an annoyance. At worst, it kills your company. Mimo offers a beautiful, easy-to-use tool to manage, understand and control payments and cash flow – saving you time and money.

Griffin is a banking-as-a-service provider that offers a digital banking platform designed to facilitate financial services for the fintech sector. Its solution serves as an operating system for embedded finance, enabling companies to easily build and launch financial products. By streamlining the integration of complex payment systems, Griffin reduces costs and time to market while simplifying the process of establishing banking partnerships. The platform includes integrated compliance services, supporting businesses with custodial accounts and interbank payments, while ensuring adherence to know-your-customer and anti-money laundering regulations. This comprehensive approach allows global brands with intricate payment needs to enhance their customer experience through seamless embedded finance solutions.

TreeCard Limited is a London-based company that specializes in providing eco-friendly payment solutions. Founded in 2020, TreeCard offers a unique wooden debit card designed to promote sustainability and environmental awareness among its users. The card is primarily made from FSC-certified British cherry wood, with minimal plastic used for the contactless chip, sourced from recycled plastic bottles. This innovative product allows consumers to make digital payments while contributing to reforestation efforts, as the interchange fees generated from transactions are allocated towards funding tree planting initiatives. Additionally, TreeCard integrates features such as expenditure tracking and compatibility with mobile payment platforms like Apple Pay, Google Pay, and Samsung Pay, enhancing user convenience while fostering responsible financial practices.

Ben is an employee benefits platform that enables companies to personalize benefits and rewards. It combines a modern software platform with per-employee Mastercards and financial infrastructure to offer instant employee choice and access to hundreds of additional options, saving time and money.

Klasha is a global technology company that provides a platform and APIs to move money to and from emerging markets. The platform enables businesses to collect and send payments and hold exotic currencies through an extensive API stack, supporting cross-border transactions for enterprise clients. It offers secure, fast payment processing, multi-currency settlement, and developer-friendly integration to simplify international commerce in emerging markets. Founded in 2021 by Jess Anuna, Klasha supports more than 120 currencies, with the aim of saving merchants time and money on cross-border payments.

Klump is a digital lending platform that provides flexible payment solutions to consumers. The company allows users to purchase products or services immediately while spreading the payment over four equal installments. This approach enables customers to access the items they want without the burden of a full upfront payment, making it easier for them to manage their finances. Klump's innovative payment plans cater to the needs of individuals seeking convenience and affordability in their purchasing decisions.

Yavin specializes in modern point-of-sale solutions for European merchants. It offers autonomous payment terminals and electronic payment contracts, along with intelligent reporting, e-commerce integration, and cash register connection services to help businesses increase income and grow.

Weavr offers an open cloud-based platform that connects payment networks with financial providers. It enables innovators to define, deploy, and consume digital payment flows.

Ramp Network is a fintech company established in 2017, headquartered in Warsaw, Poland. It specializes in payment infrastructure that connects crypto and traditional finance, aiming to create seamless, accessible connections between these two systems without the need for intermediaries.

Pento ApS is a Danish company that operates a platform delivering HR and payroll services tailored for European businesses. Founded in 2016 and based in Aarhus, Pento provides a Software as a Service (SaaS) solution that simplifies payroll processing, enabling companies to efficiently manage salary calculations, tax reporting, and compliance. Key features of the platform include Pento Autopilot, which assists with the collection of various employee data such as holiday records and expense claims, and Pento Payroll, a traditional payroll system designed for modern organizational needs. Pento serves a diverse range of clients, including bookkeepers, audit firms, and outsourcing agencies, and has expanded its operations to the UK since 2020, adopting a remote-first work model. The platform is designed to enhance user experience by automating payroll tasks and providing employees with easy access to their pay-related information.

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.

Klasha is a global technology company that provides a platform and APIs to move money to and from emerging markets. The platform enables businesses to collect and send payments and hold exotic currencies through an extensive API stack, supporting cross-border transactions for enterprise clients. It offers secure, fast payment processing, multi-currency settlement, and developer-friendly integration to simplify international commerce in emerging markets. Founded in 2021 by Jess Anuna, Klasha supports more than 120 currencies, with the aim of saving merchants time and money on cross-border payments.

Vyne Technologies Limited is a London-based company that specializes in online bank-to-bank payment processing for e-commerce businesses. Founded in 2019, Vyne provides an innovative account-to-account payments platform that enables customers to make payments directly from their bank accounts to businesses, eliminating the need for intermediaries. This service streamlines the payment process, enhancing efficiency and security for both consumers and merchants.

Yavin specializes in modern point-of-sale solutions for European merchants. It offers autonomous payment terminals and electronic payment contracts, along with intelligent reporting, e-commerce integration, and cash register connection services to help businesses increase income and grow.

Weavr offers an open cloud-based platform that connects payment networks with financial providers. It enables innovators to define, deploy, and consume digital payment flows.

Ramp Network is a fintech company established in 2017, headquartered in Warsaw, Poland. It specializes in payment infrastructure that connects crypto and traditional finance, aiming to create seamless, accessible connections between these two systems without the need for intermediaries.

Pento ApS is a Danish company that operates a platform delivering HR and payroll services tailored for European businesses. Founded in 2016 and based in Aarhus, Pento provides a Software as a Service (SaaS) solution that simplifies payroll processing, enabling companies to efficiently manage salary calculations, tax reporting, and compliance. Key features of the platform include Pento Autopilot, which assists with the collection of various employee data such as holiday records and expense claims, and Pento Payroll, a traditional payroll system designed for modern organizational needs. Pento serves a diverse range of clients, including bookkeepers, audit firms, and outsourcing agencies, and has expanded its operations to the UK since 2020, adopting a remote-first work model. The platform is designed to enhance user experience by automating payroll tasks and providing employees with easy access to their pay-related information.

TreeCard Limited is a London-based company that specializes in providing eco-friendly payment solutions. Founded in 2020, TreeCard offers a unique wooden debit card designed to promote sustainability and environmental awareness among its users. The card is primarily made from FSC-certified British cherry wood, with minimal plastic used for the contactless chip, sourced from recycled plastic bottles. This innovative product allows consumers to make digital payments while contributing to reforestation efforts, as the interchange fees generated from transactions are allocated towards funding tree planting initiatives. Additionally, TreeCard integrates features such as expenditure tracking and compatibility with mobile payment platforms like Apple Pay, Google Pay, and Samsung Pay, enhancing user convenience while fostering responsible financial practices.

Ben is an employee benefits platform that enables companies to personalize benefits and rewards. It combines a modern software platform with per-employee Mastercards and financial infrastructure to offer instant employee choice and access to hundreds of additional options, saving time and money.

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.

Weavr offers an open cloud-based platform that connects payment networks with financial providers. It enables innovators to define, deploy, and consume digital payment flows.

Griffin is a banking-as-a-service provider that offers a digital banking platform designed to facilitate financial services for the fintech sector. Its solution serves as an operating system for embedded finance, enabling companies to easily build and launch financial products. By streamlining the integration of complex payment systems, Griffin reduces costs and time to market while simplifying the process of establishing banking partnerships. The platform includes integrated compliance services, supporting businesses with custodial accounts and interbank payments, while ensuring adherence to know-your-customer and anti-money laundering regulations. This comprehensive approach allows global brands with intricate payment needs to enhance their customer experience through seamless embedded finance solutions.

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.

Weavr offers an open cloud-based platform that connects payment networks with financial providers. It enables innovators to define, deploy, and consume digital payment flows.

Griffin is a banking-as-a-service provider that offers a digital banking platform designed to facilitate financial services for the fintech sector. Its solution serves as an operating system for embedded finance, enabling companies to easily build and launch financial products. By streamlining the integration of complex payment systems, Griffin reduces costs and time to market while simplifying the process of establishing banking partnerships. The platform includes integrated compliance services, supporting businesses with custodial accounts and interbank payments, while ensuring adherence to know-your-customer and anti-money laundering regulations. This comprehensive approach allows global brands with intricate payment needs to enhance their customer experience through seamless embedded finance solutions.

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.

Pento ApS is a Danish company that operates a platform delivering HR and payroll services tailored for European businesses. Founded in 2016 and based in Aarhus, Pento provides a Software as a Service (SaaS) solution that simplifies payroll processing, enabling companies to efficiently manage salary calculations, tax reporting, and compliance. Key features of the platform include Pento Autopilot, which assists with the collection of various employee data such as holiday records and expense claims, and Pento Payroll, a traditional payroll system designed for modern organizational needs. Pento serves a diverse range of clients, including bookkeepers, audit firms, and outsourcing agencies, and has expanded its operations to the UK since 2020, adopting a remote-first work model. The platform is designed to enhance user experience by automating payroll tasks and providing employees with easy access to their pay-related information.

Curve is a London-based fintech company established in 2015. It offers a digital wallet that consolidates multiple cards and bank accounts into one smart card and app. Curve's proprietary technology eliminates hidden foreign transaction fees, allows users to switch payments after making them, and maximizes rewards on existing cards. Authorized by financial regulators across the UK, EEA, and US, Curve has over 6 million customers globally.

Ramp Network is a fintech company established in 2017, headquartered in Warsaw, Poland. It specializes in payment infrastructure that connects crypto and traditional finance, aiming to create seamless, accessible connections between these two systems without the need for intermediaries.

Griffin is a banking-as-a-service provider that offers a digital banking platform designed to facilitate financial services for the fintech sector. Its solution serves as an operating system for embedded finance, enabling companies to easily build and launch financial products. By streamlining the integration of complex payment systems, Griffin reduces costs and time to market while simplifying the process of establishing banking partnerships. The platform includes integrated compliance services, supporting businesses with custodial accounts and interbank payments, while ensuring adherence to know-your-customer and anti-money laundering regulations. This comprehensive approach allows global brands with intricate payment needs to enhance their customer experience through seamless embedded finance solutions.

Founded in 2015, Monese operates an online banking alternative platform that enables users to manage their money digitally. It offers current accounts with features such as online banking, local and international payments, debit cards for purchases and withdrawals worldwide, and a mobile application for finance management.

Telleroo is a financial software company based in London, United Kingdom, founded on June 1, 2016, by Andrew Cookson, Fabian Flatz, Michael Riedler, and Miguel Castro. The company specializes in developing a platform that facilitates automated bulk payments for businesses, allowing users to streamline their financial processes without relying on traditional bank services. Its software seamlessly integrates with various accounting systems and payment applications, enabling users to import payment files and automate transactions for payroll, supplier payments, and other financial activities. This integration helps businesses and finance professionals enhance efficiency and manage their payment workflows more effectively.

Curve is a London-based fintech company established in 2015. It offers a digital wallet that consolidates multiple cards and bank accounts into one smart card and app. Curve's proprietary technology eliminates hidden foreign transaction fees, allows users to switch payments after making them, and maximizes rewards on existing cards. Authorized by financial regulators across the UK, EEA, and US, Curve has over 6 million customers globally.

Founded in 2015, Monese operates an online banking alternative platform that enables users to manage their money digitally. It offers current accounts with features such as online banking, local and international payments, debit cards for purchases and withdrawals worldwide, and a mobile application for finance management.

Wise is a company that specializes in international money transfer services, facilitating easy and low-cost transactions for individuals and businesses. Founded in 2010 and headquartered in London, Wise offers a core money transfer product and a borderless account designed for expats, freelancers, and travelers, which currently holds over £2 billion in deposits. The company also provides a mobile application that allows users to track their transfers and initiate new transactions conveniently. With additional offices in Tallinn and New York, Wise aims to simplify the process of sending money abroad swiftly and affordably.

Tomato Pay is a QR-code-based payments application designed to facilitate easy and immediate payment processing for businesses and sole traders. The platform allows users to receive payments directly into their bank accounts without incurring hidden fees, which offers a more affordable alternative to traditional payment systems. With instant cash settlements, users gain immediate access to their funds. The application also features a user-friendly invoicing solution, enabling businesses to create invoices that incorporate discounts and late penalties, while also allowing for customer reminders. By connecting their bank accounts to the app, users can manage payments securely without needing to share sensitive banking information. Tomato Pay promotes a fairer, more ethical approach to transactions, empowering users to support local businesses through a seamless cashless payment experience.

Wise is a company that specializes in international money transfer services, facilitating easy and low-cost transactions for individuals and businesses. Founded in 2010 and headquartered in London, Wise offers a core money transfer product and a borderless account designed for expats, freelancers, and travelers, which currently holds over £2 billion in deposits. The company also provides a mobile application that allows users to track their transfers and initiate new transactions conveniently. With additional offices in Tallinn and New York, Wise aims to simplify the process of sending money abroad swiftly and affordably.

Cashtag is a mobile payment network headquartered in Lisbon, Portugal, that facilitates quick and easy money transfers via smartphones. It allows users to send and receive funds directly through phone numbers, email, or social media platforms, eliminating the need for traditional banking details like IBAN and SWIFT codes. Cashtag connects directly to users' Portuguese bank accounts, with plans to expand its services across Europe. The platform emphasizes security by employing bank-grade security systems and data encryption to safeguard users' personal and financial information against unauthorized access. Additionally, using Cashtag for money transfers incurs no fees, making it an attractive option for individuals seeking a convenient payment solution.

We offer a simple and quick way of paying that enables account holders to spread the cost of online purchases over three months. All you need is a UK debit card to register. We do not charge the customers any interest or fees and generate revenue from our relationship with retailers.

Tab is the easiest way for local shops to open prepaid accounts for customers, reward loyal customers, drive footfall back in to the shop and communicate with customers. Best of all, customers only need a mobile number to topup & get started and then pay with their name and smile on each return visit. Shops get access to working capital, learn about their customers and provide their regular customers with the most frictionless payment method they can.

Wise is a company that specializes in international money transfer services, facilitating easy and low-cost transactions for individuals and businesses. Founded in 2010 and headquartered in London, Wise offers a core money transfer product and a borderless account designed for expats, freelancers, and travelers, which currently holds over £2 billion in deposits. The company also provides a mobile application that allows users to track their transfers and initiate new transactions conveniently. With additional offices in Tallinn and New York, Wise aims to simplify the process of sending money abroad swiftly and affordably.

Wise is a company that specializes in international money transfer services, facilitating easy and low-cost transactions for individuals and businesses. Founded in 2010 and headquartered in London, Wise offers a core money transfer product and a borderless account designed for expats, freelancers, and travelers, which currently holds over £2 billion in deposits. The company also provides a mobile application that allows users to track their transfers and initiate new transactions conveniently. With additional offices in Tallinn and New York, Wise aims to simplify the process of sending money abroad swiftly and affordably.

Wise is a company that specializes in international money transfer services, facilitating easy and low-cost transactions for individuals and businesses. Founded in 2010 and headquartered in London, Wise offers a core money transfer product and a borderless account designed for expats, freelancers, and travelers, which currently holds over £2 billion in deposits. The company also provides a mobile application that allows users to track their transfers and initiate new transactions conveniently. With additional offices in Tallinn and New York, Wise aims to simplify the process of sending money abroad swiftly and affordably.

Bilbus Limited is a UK-based company that provides e-invoicing and e-financing solutions designed to enhance cash flow management for small and medium-sized businesses. Founded in 2010, Bilbus offers a comprehensive platform that allows users to send and track invoices directly from their accounting systems, automate reminders and follow-ups, and update receivables status in real time. The platform also facilitates cash forecasting and enables businesses to apply for commercial credit online. By connecting businesses with lenders, customers, and various financial partners through a single dashboard, Bilbus simplifies the process of managing invoices and addressing funding gaps, thereby improving financial visibility and operational efficiency for its clients.