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Wise is a global technology company focused on international money transfers. Founded in 2011, Wise offers a cheaper and faster way to send money abroad compared to traditional banks, utilizing a peer-to-peer system. The company's services include personal and business accounts, multi-currency accounts, and borderless cards. Wise aims to provide transparency with low, upfront fees and real exchange rates, distinguishing itself by its ease of use, speed, and cost efficiency.
Cash App
Cash App allows users to send and receive money digitally using a smartphone or computer.
It provides a convenient way to transfer funds to friends, family, or other individuals who use the app. It offers features like instant money transfers, peer-to-peer payments, and the ability to buy and sell Bitcoin.
Users can link their bank accounts or debit cards to the app to easily deposit and withdraw funds. Cash App also provides a free Visa debit card called the Cash Card, which allows users to make purchases using their Cash App balance.
It has gained popularity for its simplicity and user-friendly interface, making it easy for people to manage their finances and make payments electronically.
Nectaro
Nectaro is a licensed European investment platform that enables individuals to earn passive income by investing in loans, offering returns of up to 14%.
Operating under IBF License and regulated by the central bank of Latvia, Nectaro provides a transparent and secure environment for investors. The platform offers a user-friendly experience, allowing investors to create an account, verify their identity, deposit funds, and start investing in a diverse range of loans with just a few clicks.
OctaFX
OctaFX is a global online broker specializing in forex and CFD trading.
It provides a platform for traders to speculate on the price movements of various financial instruments, including currencies, commodities, indices, and cryptocurrencies. OctaFX offers a range of trading accounts, catering to both beginners and experienced traders, along with competitive spreads and leverage options. Its user-friendly trading platforms and educational resources aim to assist traders in navigating the financial markets.
Monese
Monese is a digital banking platform that offers mobile-based current accounts and financial services. It was founded in 2013 and is headquartered in the United Kingdom. Monese primarily targets individuals who require flexible and accessible banking services, especially those who may face challenges in opening traditional bank accounts due to residency or credit history requirements.
Monese provides a seamless and user-friendly mobile app that allows customers to open a UK or European IBAN current account quickly and easily. The platform offers various features such as instant spending notifications, budgeting tools, international money transfers, and currency exchange at competitive rates.
Finbee
Finbee is a Lithuanian peer-to-peer (P2P) lending platform established in 2015, facilitating both personal and business loans by connecting borrowers directly with individual investors.
Operating under the supervision of the Bank of Lithuania, Finbee offers an alternative to traditional banking by enabling investments in consumer and business loans. Notably, in 2023, the platform reported an average interest rate of 15.3% for investors.
Zayzoon
ZayZoon is an innovative financial wellness platform that empowers employees to access a portion of their earned wages before payday, offering instant liquidity, budgeting tools, and optional fee-free payout methods to foster financial stability and reduce reliance on predatory lending.
Trade Republic
Trade Republic is a German-based online broker that offers commission-free trading of stocks, ETFs, and derivatives.
It provides a mobile app platform for trading, making it accessible and user-friendly. The company aims to democratize access to financial markets with low-cost investment options. Founded in 2015, Trade Republic has quickly gained popularity in Europe due to its simplicity and cost-effectiveness.
Google Pay
Google Pay is a digital wallet and online payment system developed by Google to enable users to make payments using their smartphones, tablets, or watches.
It combines various services, including in-store payments, online purchases, and peer-to-peer transactions, into one app. Google Pay supports contactless payments using Near Field Communication (NFC) technology, allowing users to make secure payments at participating merchants. Additionally, it offers features such as storing loyalty cards, boarding passes, and event tickets. The app integrates with other Google services and provides enhanced security through tokenization and biometric authentication methods like fingerprint and face recognition.
Groundfloor
Groundfloor is a real estate crowdfunding platform that enables both accredited and non?accredited investors to invest in short?term, high?yield fractional real?estate debt backed by real properties, offering automated diversification and monthly income without the need for large capital or active management.
Paysend
Paysend is a UK-based financial technology company that simplifies how people and businesses send and receive money across borders.
It's essentially a digital money transfer platform offering services in over 170 countries. Paysend's popularity stems from its user-friendly interface, fast transfer speeds, and competitive fee structure.
One of Paysend's key selling points is its fixed fee model. Unlike traditional banks or money transfer services that often have complex fee structures based on the amount being transferred or the destination country, Paysend charges a flat fee regardless of the transfer amount. This transparency makes it easier for users to budget their transfers and avoid any surprise charges.
Mintos
Mintos is a leading European investment platform that allows individuals to invest in loans issued by non-bank financial institutions, offering the potential for stable returns.
Operating as a marketplace, Mintos connects investors with loan originators who provide personal, business, and mortgage loans, enabling a diversified portfolio of investments. The platform offers features such as automated investing, secondary market trading, and detailed loan risk ratings, giving investors flexibility and control. With its transparent structure and high accessibility, Mintos is an attractive option for those seeking passive income through alternative investments in the growing peer-to-peer lending market.
Klarna
Klarna is a financial technology company that provides online payment services for e-commerce websites.
The company is based in Stockholm, Sweden and was founded in 2005. Klarna offers a range of payment options for online shoppers, including the ability to pay for purchases in installments or to pay for an order after it has been delivered. Klarna also offers a financing service that allows shoppers to apply for a loan to pay for their purchases. The company partners with merchants to offer its services, and is available in a number of countries around the world.
Zing
Zing is an international money app and multi-currency card built to set you free to live your best international life.
We believe you shouldn’t have to worry about your international money. That’s why we provide a free app and card to give you an easy, rewarding and reassuring experience to send, spend and convert your money.
Woolsocks
Woolsocks is a personal finance app designed to help users save money and manage expenses by providing features like cashbacks, budget tracking, and savings insights.
Through its user-friendly interface, Woolsocks allows individuals to connect their bank accounts, analyze spending patterns, and receive cashbacks from partnered retailers, offering practical ways to save with minimal effort. Additionally, the app includes tools for setting savings goals, monitoring subscriptions, and tracking bills, making it a comprehensive solution for managing personal finances and improving financial well-being.
Debitum
Debitum is a European peer-to-peer lending platform headquartered in Riga, Latvia, designed to allow investors to fund asset-backed business loans with low minimum investments, automated investing tools, and regulatory protection for potentially attractive returns.
Founded in 2018, Debitum facilitates investments in SME loans across several countries - often via asset-backed securities - offering net yields around 8.5-13?% annually and requiring as little as €10 or €50 to start.