Best FinTech Companies in Estonia
The 522 best FinTech companies in Estonia in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Veriff.
Estonia's FinTech sector has quietly built real financial mass. This directory ranks the best FinTech companies in Estonia by disclosed equity funding and recent funding momentum, tracking 522 companies that have collectively raised $805M. Tuum leads the pack at $50M raised, and Pepe Unchained follows at $36M. One unicorn has already emerged from this ecosystem. That's not noise. The global FinTech market sits at roughly $113.4B in 2025 and is forecast to reach $461.6B by 2034, compounding at 17.21% annually, driven by demand for OEM-Pay solutions, Apple Pay adoption, and the SCA requirements baked into PSD2. So when you see Estonia punching this hard on funding density, it reflects something structural, not accidental.
The momentum themes here are specific: next-gen banking platforms, cloud-based banking infrastructure, and digital banking innovation are where deal flow is concentrating. Stringent and sometimes conflicting government regulations remain the real friction point, the one variable I'd watch most closely for any company trying to scale cross-border from Tallinn. PB Fintech's 165% profit jump shows what disciplined FinTech execution can produce at scale, and Estonia's most active investors, including Startup Wise Guys and Superangel, are clearly betting that similar discipline exists right here.
- Statista
Our analysis of 1,006 FinTech companies
$195.5b in tracked funding; 96% of the stack-profiled cohort runs cloud-native; funding activity peaked in 2025.
Ranked: Best FinTech companies in Estonia
| # | Company | Revenue | Disclosed funding | Last round | Employees | Founded | Founder | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | Choise.com MetaFi ecosystem based on Crypterium CeFi solutions and Charism DeFi protocol | $229M FY2021 | $3M | 63 mo ago | 1 | 2017 | — | — |
| 2 | Veriff 🦄 AI based identity verification software | $38M FY2022 | $200M | 52 mo ago | 269 269 → 546 (+103%) | 2015 | Kaarel Kotkas Co-Founder & CEO | — |
| 3 | Atomic Wallet App-based wallet solution for cryptocurrencies | $5M FY2023 | $22M | 93 mo ago | 3 | 2017 | — | — |
| 4 | Tuum Provider of a cloud-native API-first core banking platform | $4M FY2023 | $50M | 27 mo ago | 94 | 2019 | Rivo Uibo Co-Founder | — |
| 5 | Credy Online marketplace for lending leads | $4M FY2022 | $15M | 108 mo ago | 13 | 2013 | Sten Kaasik CEO | — |
| 6 | LMWR Platform offering an ERC-20 utility token embedded into the LimeWire ecosystem | $4M FY2022 | $16M | 37 mo ago | — | 2006 | Paul Zehetmayr Co-Founder & Co-CEO | — |
| 7 | Salv Provider of a platform for financial crime detection and intelligence sharing | $3M FY2024 | $13M | 30 mo ago | 47 47 → 51 (+9%) | 2018 | Jeff Mcclelland Co-founder & COO | 1 partnership · 2 awards |
| 8 | Fairown Subscription-based financing platform | $2M FY2023 | $11M | 21 mo ago | 44 | 2018 | Taivo Turnpu Co-Founder | — |
| 9 | Polybius Online platform to invest in trading strategies and crypto portfolios | $1M FY2020 | $63M | 107 mo ago | 53 | 2017 | — | — |
| 10 | Swapin Online platform offering solutions that help individuals and businesses accept and spend crypto | $521K FY2022 | $2M | 54 mo ago | 11 11 → 19 (+73%) | 2017 | Evald Hannes Kree Chief Executive Officer and Founder | — |
| 11 | Change Invest Online platform for investing in digital assets | $437K FY2023 | $24M | 39 mo ago | 50 | 2016 | — | 2 job openings |
| 12 | Polkadex Online trading platform for cryptocurrencies | $225K FY2021 | $3M | 62 mo ago | 28 | 2020 | Vivek Prasannan Co-Founder | 1 launch |
| 13 | Income marketplace Provider of investment management services | $118K FY2022 | $3M | 52 mo ago | 6 | 2020 | Meliina Raty Co-Founder | — |
| 14 | Eurora Solutions AI-based tax calculation solutions for businesses | $81K FY2021 | $52M | 49 mo ago | 163 | 2018 | — | — |
| 15 | MyCointainer | $40K FY2022 | $6M | 52 mo ago | 1 | 2018 | Bartosz Pozniak Founder & CEO | — |
| 16 | Salto X Online platform that enables incentive token plans for remote startups | $15K FY2023 | $5M | 47 mo ago | 4 | 2021 | Elise Saas Co-Founder | — |
| 17 | Chatex Wallet solution for cryptocurrencies | $12K FY2019 | $2M | 57 mo ago | 2 | 2017 | Alexander Sushko Co-Founder | — |
| 18 | CoinsPaid Payment processor platform for cryptocurrencies | $5K FY2023 | $2M | 57 mo ago | 207 | 2014 | Max Krupyshev Co-Founder and Leader | 1 job opening · 1 award |
| 19 | Mifundo Online platform offering consumer loans for diversified categories | $3K FY2023 | $10M | 20 mo ago | 4 | 2018 | Kaido Saar Co-Founder & CEO | — |
| 20 | Fortumo Provider of a mobile payment network connecting merchants to local payment methods | — | $10M | 168 mo ago | 89 | 2007 | — | 1 job opening |
| 21 | Scramble Provider of an online P2P marketplace for business loans | — FY2022 | $544K | 27 mo ago | 15 | 2019 | — | — |
| 22 | Pepe Unchained Provider of meme coin platform | — | $36M | 19 mo ago | — | 2024 | Mark Co-Founder | — |
| 23 | SYNTHR Omnichain architecture for cross-chain blockchain management | — | $10M | 17 mo ago | 9 | 2022 | Ritwik Rudra Co-Founder & CEO | — |
| 24 | DriveX AI-powered car inspection software | — | $1M | 16 mo ago | 15 | 2019 | Valter Laell Co-Founder | 1 partnership |
| 25 | Allpass.ai Provider of a single tool for compliance officers to manage KYC and AML | — | $100K | 12 mo ago | — | 2020 | Viktor Plotnikov Co-Founder | — |
| 26 | EstateGuru Marketplace for property financing and investing | — | $13M | 29 mo ago | 79 | 2013 | — | — |
| 27 | enty Provider of a platform for managing finances, pre-accounting, invoices, and contracts | — | $759K | 22 mo ago | — | 2020 | Kirill Zheleznov CEO | 1 expansion |
| 28 | BITLEVEX Online platform for trading in cryptocurrency | — | $50M | 45 mo ago | 13 | 2019 | Mihails Skoblovs Founder & CEO | — |
| 29 | Legends Of Elysium Online platform for card games that provides an NFT marketplace to trade in-game assets | — | $3M | 26 mo ago | — | 2021 | Eryk Rutkowski Co-Founder | — |
| 30 | NFTPort Cloud-based application development solution for NFTs | — | $26M | 48 mo ago | 13 | 2021 | — | — |
| 31 | Montonio Provider of payment financing solution for shoppers | — | $16M | 50 mo ago | 60 | 2018 | Karel Nappus Co-founder & Chief Operating Officer | 1 launch |
| 32 | Grunfin Online platform for impactful sustainable investments | — | $4M | 41 mo ago | 16 | 2020 | Alvar Lumberg Chief Technology Officer | — |
| 33 | IQ Space NFT rental marketplace | — | $12M | 51 mo ago | 19 | 2021 | — | — |
| 34 | Juuli Invoice and payment management platform for freelancers | — | $1M | 31 mo ago | — | 2023 | Burcin Gungor Co-Founder | — |
| 35 | Cachet Usage-based P&C insurance platform for the gig economy | — | $7M | 49 mo ago | 25 | 2018 | Kalle Palling Co-Founder | 2 job openings · 1 partnership |
| 36 | Sappchat Developer of messaging application intended to allow people to communicate with each other without having to… | — | $10M | 57 mo ago | 6 | 2019 | — | — |
| 37 | Minterest NFT marketplace and lending & borrowing protocol for digital assets | — | $6M | 57 mo ago | 37 | 2020 | — | — |
| 38 | LA Token Crypto exchange focusing on liquidity for new tokens | — | $19M | 104 mo ago | 380 | 2017 | — | — |
| 39 | Redcurry Real estate-backed digital currency | — | $427K | 32 mo ago | — | 2022 | Asse Sauga Co-Founder | — |
| 40 | Arenum Provider of blockchain-based gaming platform | — | $3M | 52 mo ago | — | 2018 | Alexander Zelenshikov Co-Founder | — |
| 41 | Solid World Blockchain-based platform to offset the carbon footprint | — | $2M | 49 mo ago | 16 | 2021 | Kristjan Luha Co-Founder | — |
| 42 | Prostarter Online marketplace ad fundraising platform for NFTs | — | $4M | 61 mo ago | — | 2021 | Muhammad Ahsan Co-Founder | — |
| 43 | Bumper Platform that protects the value of crypto using a radically innovative DeFi protocol | — | $2M | 54 mo ago | 8 | 2021 | Jonathan Carteret CEO | — |
| 44 | YIELD App App-based investment platform for cryptocurrencies and tokens | — | $4M | 66 mo ago | 52 | 2020 | — | — |
| 45 | Reiterate Platform for billing and revenue analytics solutions | — | $1M | 49 mo ago | 9 | 2022 | Jaan V Co-Founder | — |
| 46 | IDAP Decentralized crypto trading platfrom | — | $6M | 81 mo ago | — | 2018 | Murali Thakur Co-Founder & CTO | — |
| 47 | Brokoli NFT-based infrastructure for play-to-earn & play-to-impact NFT metaverse | — | $2M | 56 mo ago | — | 2021 | Matas Danilaitis Co-Founder | — |
| 48 | Kriptomat Online cryptocurrency exchange platform | — | $3M | 59 mo ago | 26 | 2018 | Srdjan Mahmutovich Founder & CEO | — |
| 49 | UnoRe Cryptocurrency-based reinsurance and risk trading platform | — | $3M | 61 mo ago | 12 | 2020 | — | — |
| 50 | Defish Web3 studio focused on gaming & metaverse | — | $2M | 53 mo ago | 17 | 2021 | Alexey Kuchma CEO | — |
Top 12 FinTech companies in Estonia
#1
Funding Raised · Estonia · founded 2024$36Mraised▾
Provider of meme coin platform. It provides a Layer 2 blockchain built for meme coin.
- Nov 2024ICO$24.5M
- Sep 2024ICO$11.5M
#2
Series A · Tallinn, Harju County · founded 2022 · 9 employees$10Mraised▾
Omnichain architecture for cross-chain blockchain management. It offers a platform that provides interoperable omnichain liquidity solutions. It offers solvent and omnichain synthetic assets, enabling capital-efficient and secure cross-chain transfer of value. It enables liquidity providers to stake collateral on any chain, mint omnichain synthetic assets, and earn boosted APRs.
- Jan 2025Series A$10M
#3
Series A · Tallinn, Harju County · founded 2018 · 4 employees$9.6Mraised▾
Online platform offering consumer loans for diversified categories. It offers loans through bank partners, find the best loan options according to your needs and they independently make decisions regarding lending, amount to be sanctioned, and repayment options.
- Sep 2024Series A$7M
- Jul 2024Grant (prize money)$2.7M
- Sep 2023Seed$1.3M
- Nov 2022Seed$1.2M
#4
Seed · Tallinn, Harju County · founded 2018 · 44 employees$11.1Mraised▾
Subscription-based financing platform for businesses. It enables off-balance sheet subscription for different types of hardware, medical and industrial equipment, office and warehouse furniture, agricultural, construction, forestry, and other types of machinery. Monthly payments include insurance. It also provides an option to purchase the rented assets.
- Sep 2024Seed$6.3M
- Mar 2021Seed$4.9M
#5
Seed · Tallinn, Harju County · founded 2019 · 15 employees$1.2Mraised▾
AI-powered car inspection software. It provides vehicle inspection services for rental companies and manages car parks, providing information for top-class car listings.
- Feb 2025Seed$1.2M
- Feb 2025Grant (prize money)—
- Apr 2022Seed$1M
- Dec 2020Seed$242.2K
#6
Series B · Tallinn, Harju County · founded 2019 · 94 employees$49.8Mraised▾
Provider of a cloud-native API-first core banking platform.The platform follows the microservice architecture and is composed of independent modules that cover end-to-end everyday banking processes. It allows banks to operate multiple business lines from a single system, including accounts, lending, payments and cards, as well as go further through access to a pre-configurated ecosystem of partner solutions.
- Mar 2024Series B—
- Feb 2024Series B$26.9M
- Apr 2022Series A$1.1M
- Jan 2022Series A$16.9M
#7
Seed · Tallinn, Harju County · founded 2020$100Kraised▾
Provider of a single tool for compliance officers to manage KYC and AML. It is an online platform that provides global online identity verification solutions for businesses, focusing on KYC, KYB, and AML compliance. They offer secure and transparent customer data protection, making customer onboarding efficient and intuitive. It also helps to eliminate the fraud, speed up the onboarding of the new customers, and promote the overall user experience with Identity Verification.
- Jun 2025Seed$100K
#8
Veriff 🦄Series C · Tallinn, Harju County · founded 2015 · 269 employees$200Mraised▾
AI based identity verification software. It provides a verification process involves cross-referencing images of the customer with identity information held in government databases, face comparison, document validation, video analysis, device and network fingerprinting, and registry checks. It offers verification to online businesses for fraud prevention, compliance, and customer protection.
- Jan 2022Series C$100M
- Apr 2021Series B$69M
- Jul 2020Series B$15.5M
- Jun 2018Series A$7.7M
#9
Series A · Tallinn, Harju County · founded 2013 · 79 employees$13.4Mraised▾
Marketplace for property financing and investing. It finances projects which have solid collateral, using first-rank mortgages, to achieve straightforward and secure funding in real estate lending.
- Dec 2023Conventional Debt—
- Mar 2023Conventional Debt—
- Sep 2022Conventional Debt—
- Apr 2022Series A$1.7M
#10
Series A · Tallinn, Harju County · founded 2018 · 47 employees$13.1Mraised▾
Provider of a platform for financial crime detection and intelligence sharing. The platform offers tools for compliance, screening, monitoring, and risk scoring. It facilitates intelligence exchange and collaborative investigations. The platform helps financial institutions to detect money laundering and stop fraud.
- Dec 2023Series A$4.2M
- Jan 2023Series A$4.4M
- Dec 2020Seed$1.8M
- Dec 2019Seed$2M
#11
Seed · Tallinn, Harju County · founded 2020$759.1Kraised▾
Provider of a platform for managing finances, pre-accounting, invoices, and contracts. The platform offers tools for managing bank accounts, tracking expenses, and creating financial reports. It also provides features for categorizing transactions, reconciling invoices and receipts, and sending documents to accountants. The platform enables users to create and manage invoices and contracts with e-signature and AI review capabilities.
- Jul 2024Seed$759.1K
#12
Acquired · Tallinn, Harju County · founded 2016 · 50 employees$23.8Mraised▾
Online platform for investing in digital assets. The users can diversify their portfolios with stocks, metals, indices & commodities. The application is available on both Android & iOS devices.
- Mar 2023Series B$2.1M
- Jun 2021Series B$4.5M
- Nov 2020Series B$17.2M
- Oct 2017ICO$16M
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of FinTech coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
How research on Fintech is moving in Estonia
A read on the academic research around Fintech — which themes are gaining ground, the institutions and researchers driving them, and how the tone is shifting. Based on 7 Estonia-affiliated papers.
- Tallinn University of Technology4
- Estonian Business School2
- University of Tartu1
- Blockchain1
- Scalability1
- Cash1
- Digital currency1
- Hash function1
- Interpretability1
- Gradient boosting1
- Boosting (machine learning)1
- Autoregressive integrated moving average1
- Time series1
- Financial services3
- Digital transformation2
- Financial inclusion2
- Resilience (materials science)2
- Mobile banking2
Common questions
Riya reads income statements for fun. She covers the real money in a sector — revenue, growth, who actually earns — and never met a vague claim she didn't want a number for.