Best FinTech Companies in Finland
The 275 best FinTech companies in Finland in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: ICEYE.
Finland's FinTech sector, ranked here by disclosed equity funding and recent momentum, tracks 275 companies with $973M in total capital raised and one unicorn in the mix. That's a real number. Iceye alone accounts for $438M of it, which tells you something about how concentrated this funding pool actually is. The global FinTech market sits at roughly $113.4B in 2025, forecast to reach $461.6B by 2034 at a 17.21% CAGR, driven by OEM-Pay adoption, Apple Pay integration, and the SCA requirements baked into PSD2. So Finland isn't operating in isolation here; it's feeding into a structural global shift.
What I find worth noting is how the mid-tier shakes out. Below Iceye, you've got names like AI Bidia at $19M and Pye at $6M, with FinanceKey and DwellFi each at $3M. Tight figures, but active ones. Stringent regulatory pressures, including conflicting government frameworks across markets, shape how these companies scale. If you're evaluating which firms have the capital discipline to survive that friction, the funding disclosures here are your clearest signal. Next-gen banking platforms and cloud-based banking are the themes drawing investor attention right now, and backers like Maria 01, Maki, and Coinbase are the names showing up repeatedly across the most-watched deals.
- 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 Finland
| # | Company | Disclosed funding | Last round | Employees | Founded | Founder | Tech stack | Patents & IP focus | Recent signals |
|---|---|---|---|---|---|---|---|---|---|
| 1 | ICEYE 🦄 Manufacturer of radar satellite constellations providing persistent earth observation imagery | $438M | 6 mo ago | 492 | 2014 | Pekka Laurila Co-Founder & CSO | HubSpot CMS HubApple iCloud MailGoogle Workspace+17 | 320 patents Patents concentrated in computing, sensing & instrumentation | 1 launch · 2 partnerships · 2 expansions |
| 2 | Enfuce Provider of open banking API solutions | $74M | 30 mo ago | 145 | 2016 | Tom Grahn Co-Founder | WordPressApple iCloud MailGoogle Workspace+31 | — | 1 partnership |
| 3 | Lido Non-custodial staking solution for cryptocurrencies | $72M | 51 mo ago | 922 | 2020 | — | NotionSuper BuilderNode.js+14 | — | 2 partnerships · 1 award |
| 4 | ePassi Online payment solution for businesses | $45M | 80 mo ago | 196 | 2007 | Risto Virkkala Co-Founder | HubSpot CMS HubApple iCloud MailMicrosoft 365+22 | — | — |
| 5 | Sievo Offers AI & cloud-based procurement analytics and spend management solutions | $44M | 44 mo ago | 337 | 2003 | Sammeli Sammalkorpi CEO | SkilljarAlgoliaZURB Foundation+18 | — | 1 award |
| 6 | Parallel Finance Decentralized protocol focused on money markets | $29M | 50 mo ago | 58 | 2021 | Yubo Ruan Founder | Node.jsReactNext.js+8 | — | — |
| 7 | Tesseract Crypto loan provider for businesses | $25M | 60 mo ago | 31 | 2017 | Ilkka Salo Co-Founder | — | — | — |
| 8 | Tesseract Institutional Crypto Yield & Digital Asset Management - Tesseract | $25M | 59 mo ago | — | 2017 | James Harris Group CEO | BreakdanceWordPressMySQL+22 | — | — |
| 9 | Zervant Invoice management software for businesses | $22M | 84 mo ago | 40 | 2010 | — | WordPress Block EditorWordPressMySQL+26 | — | — |
| 10 | Fellow Finance Crowdfunding platform for personal loans | $21M | 63 mo ago | — | 2013 | Harri Tilev Co-Founder & CSO | — | — | — |
| 11 | Zevoy Cloud-based expense management & cards solution for businesses | $21M | 50 mo ago | 61 | 2020 | Joakim Lundborg Founder & CTO | SentryTypeScriptGraphQL+13 | — | — |
| 12 | AI Bidia Provider of transfer pricing software and data solutions | $19M | 12 mo ago | 61 | 2014 | Hannu-Tapani Leppänen CEO & Founder | WebflowProton MailApple iCloud Mail+20 | — | — |
| 13 | Moonwell Open lending and borrowing DeFi protocol on Moonbeam & Moonriver | $13M | 50 mo ago | 5 | 2021 | Luke Youngblood Founder | Node.jsThree.jsTailwind CSS+15 | — | — |
| 14 | Quasar Operator of a decentralized exchange focused on BTCFi and Babylon | $11M | 41 mo ago | — | 2022 | Valentin Pletnev Co-Founder & CEO | Node.jsTailwind CSSReact+7 | — | — |
| 15 | ZirooPay POS terminal for businesses | $11M | 50 mo ago | 14 | 2014 | — | — | — | — |
| 16 | Galaxy Blitz Developer of a play to earn strategy NFT game for mobiles | $10M | 50 mo ago | 16 | 2021 | Clement C Co-Founder | — | — | — |
| 17 | Balancer Portfolio management platform for cryptocurrency | $8M | 64 mo ago | 28 | 2019 | Fernando Martinelli Co-Founder & CEO | SentryTypeScriptGraphQL+20 | — | — |
| 18 | Solend Provider of investment management services | $6M | 56 mo ago | 5 | 2021 | Rooter 0x Founder | SentryAnt DesignReact+10 | — | — |
| 19 | Pye Online platform for buying, selling, and trading through blockchain | $6M | 6 mo ago | — | 2014 | Erik Ashdown Co-Founder | — | — | 1 launch |
| 20 | BENQi DeFi platform for lending and staking | $6M | 61 mo ago | 8 | 2021 | Dexter Lee Co-Founder | TurbopackSentryNode.js+15 | — | — |
| 21 | Invesdor Equity-based crowdfunding platform | $5M | 47 mo ago | 40 | 2012 | Lasse Mäkelä Founder and Board member of Invesdor Holding | VideoJSAmazon Web ServicesVue.js+18 | — | 1 expansion |
| 22 | Altitude Provider of on-chain crypto-backed loans with transparent pricing and institutional security | $4M | 29 mo ago | 6 | 2021 | — | — | — | — |
| 23 | Holvi Online current account for small business | $4M | 144 mo ago | 101 | 2011 | Tuomas Toivonen Co-Founder and CEO | WordPress Block EditorWordPressSentry+36 | 2 patents Marine wave energy converters that transform wave motion into rotational mechanical power | 1 launch · 1 partnership · 1 award |
| 24 | Pontoon Decentralized network for financial products | $4M | 55 mo ago | 5 | 2021 | — | — | — | — |
| 25 | Spin Operator of decentralized platform for spot, perpetual, and options trading | $4M | 52 mo ago | 11 | 2021 | — | Node.jsSvelteKitSvelte+7 | — | — |
| 26 | FinanceKey Open banking API solutions for banks & financial institutions | $3M | 12 mo ago | 9 | 2021 | Veikko Koski Founder and CEO | WordPressMySQLPHP+35 | — | 2 launchs |
| 27 | Redkik Insurance risk analysis and quoting solutions for the marine cargo insurance industry | $3M | 31 mo ago | 9 | 2018 | Chris Kalinski Co-Founder | WordPress Block EditorWordPressMySQL+23 | 10 patents Data-driven risk probability assessment platforms for cargo shipment operations | 1 launch |
| 28 | DwellFi NFT-based platform for trading and financing real estate assets | $3M | 13 mo ago | 6 | 2021 | Kumar Ujjwal Co-Founder & CEO | — | — | 1 expansion |
| 29 | Coinmotion Coinbase for the Nordics and Russia | $3M | 101 mo ago | 56 | 2013 | — | WordPressSentryApple iCloud Mail+36 | — | — |
| 30 | Oddz Decentralized trading platform for cryptocurrencies and options | $3M | 63 mo ago | 16 | 2020 | Shreedhar Shreenivasa Co-Founder & CTO | — | — | — |
| 31 | ReceiptHero Provider of digital receipt solutions for merchants and payment processors | $2M | 23 mo ago | 20 | 2016 | — | Framer SitesApple iCloud MailReact+12 | — | 1 launch · 5 partnerships |
| 32 | EUROe Platform offering a European stablecoin which is a digital representation of fiat Euros | $2M | 42 mo ago | — | 2004 | Juha Viitala CEO | — | — | — |
| 33 | Membrane Finance Developer of EU-regulated stablecoins and blockchain integrations | $2M | 42 mo ago | 7 | 2021 | — | — | — | — |
| 34 | Rundit Portfolio management solutions for private investors | $2M | 66 mo ago | 11 | 2015 | — | WordPressMySQLPHP+38 | — | — |
| 35 | QuantAMM Blockchain-based trading funds platform | $2M | 26 mo ago | — | 2022 | Matthew Willetts Co-Founder & CEO | — | — | — |
| 36 | Calqulate Cloud-based financial forecasting & budgeting software for businesses | $2M | 64 mo ago | 18 | 2019 | Niko Laine Founder & CEO | — | — | — |
| 37 | Hermetica Provider of bitcoin-backed yield-bearing synthetic dollar | $2M | 20 mo ago | — | 2018 | Jakob Schillinger Founder & CEO | Proton MailNode.jsThree.js+20 | — | — |
| 38 | Inven AI-based financial data platform for M&A professionals to find acquisition targets companies | $2M | 12 mo ago | 8 | 2022 | Tommi Kupiainen Co-Founder | WebflowSentryYouTube+24 | — | 1 job opening · 3 launchs · 1 expansion |
| 39 | Megaton AMM-based DEX protocol utilizing the assets on the TON network | $2M | 38 mo ago | — | 2022 | Jake Li Founder | Amazon Web Servicesstyled-componentsReact+10 | — | — |
| 40 | Comparables Online data platform focused on company financials and comparative analytics | $1M | 48 mo ago | 13 | 2021 | — | Node.jsMUIReact+20 | 3 patents Peer-to-peer matching algorithms for professional networking platforms | 1 launch |
| 41 | Nezha Game-based prediction for markets | $1M | 52 mo ago | — | 2021 | Philipp Stritzke Co-Founder | — | — | — |
| 42 | Kleoverse Online platform offering data related to DAOs | $1M | 52 mo ago | 7 | 2021 | — | — | — | — |
| 43 | iconicChain Provider of AI-powered automation solutions for securitization and financial audit | $1M | 55 mo ago | 22 | 2017 | Andras Vajda Co-Founder & CEO | — | — | — |
| 44 | Enterpay Online invoice payment acceptance solution for businesses | $1M | 80 mo ago | 8 | 2013 | Tapio Vepsalainen Co-Founder | — | — | — |
| 45 | Paytrail Provider of online payment processing services for businesses and consumers | $1M | 148 mo ago | 50 | 2007 | Markus Laurio Chief Executive Officer | HubSpot CMS HubAddsearchAmazon Web Services+28 | — | — |
| 46 | Paradise Tycoon Provider of play and earn metaverse game for multiple platforms | $1M | 3 mo ago | — | 2021 | Harri Karppinen CEO | BootstrapEtherscore-js+15 | — | — |
| 47 | Zapflow Dealflow management tool for professional investors (VC, CVC, PE, Angels) | $700K | 114 mo ago | 22 | 2015 | Mikko Pirinen Founder & CEO | — | — | — |
| 48 | ZaynFi Platform offering stablecoin staking on BSC | $600K | 40 mo ago | 2 | 2022 | — | — | — | — |
| 49 | enable:Banking Provider of API enabling secure open banking connectivity for businesses | $595K | 44 mo ago | 13 | 2018 | Joonas Tomperi Co-Founder & CEO | Squarespace CommerceCart FunctionalitySquarespace+31 | — | — |
| 50 | Astrolab Platform offering an omni-chain yield aggregator | $500K | 42 mo ago | — | 2022 | Yakitori Founder | — | — | — |
Top 12 FinTech companies in Finland
#1
ICEYE 🦄Series E · Espoo, Uusimaa · founded 2014 · 492 employees$438Mraised▾
Manufacturer of radar satellite constellations providing persistent earth observation imagery. These systems deliver radar data to detect and monitor physical changes on the surface of the planet. The technology functions through cloud cover and darkness to provide imagery for environmental monitoring, infrastructure assessment, and disaster impact analysis. The hardware enables the collection of radar intelligence for various monitoring requirements.
- Dec 2025Series E$174.9M
- Aug 2025Series D$11M
- Dec 2024Series D$65M
- Dec 2024Conventional Debt—
#2
Seed · Helsinki, Uusimaa · founded 2014$6.1Mraised▾
Online platform for buying, selling, and trading through blockchain. It is a platform offering a marketplace for buying and selling time-locked stake accounts on Solana, allowing validators to issue and manage stake accounts with custom terms.
- Dec 2025Seed$5M
- Mar 2024Seed$1.1M
#3
Series B · Helsinki, Uusimaa · founded 2014 · 61 employees$19.3Mraised▾
Provider of transfer pricing software and data solutions. It offers a platform connecting data, tools, and teams for efficient transfer pricing management. The platform facilitates compliance processes, operational transfer pricing strategies, and data aggregation. Additional services include benchmarking studies, P&L segmentation, and automated local file generation. An AI research assistant further streamlines transfer pricing research. The company aims to modernize and optimize all aspects of transfer pricing operations for multinational enterprises.
- Jun 2025Series B$28M
- May 2023Series A$14.1M
- Mar 2020Seed$4.8M
- May 2018Seed$415K
#4
Seed · Oulu, North Ostrobothnia · founded 2021$1Mraised▾
Provider of play and earn metaverse game for multiple platforms. Paradise Tycoon is a multi-player metaverse game to build, explore & expand NFT items and compete with friends.
- Feb 2026Grant (prize money)—
- Feb 2023Seed$1M
#5
Seed · Helsinki, Uusimaa · founded 2021 · 9 employees$3.4Mraised▾
Open banking API solutions for banks & financial institutions
- Jun 2025Seed$3.4M
#6
Seed · Finland · founded 2021 · 6 employees$3Mraised▾
NFT-based platform for trading and financing real estate assets. It empower fund administrators, family offices, and private funds. It specialize in the fusion of AI, blockchain, and tokenization technologies to support the asset management industry's scale, productivity, and growth challenges.
- Apr 2025Seed$300K
- May 2024Seed$3M
#7
Series A · Helsinki, Uusimaa · founded 2022 · 8 employees$1.6Mraised▾
AI-based financial data platform for M&A professionals to find acquisition targets companies. It simplifies transaction sourcing efforts, and the platform provides deep company details, from ownership to financials. The search features assist M&A professionals locate targets. Users can able to find prospective middle-market businesses rapidly because of the extensive database and search features that create a solid pipeline of potential deals. The platform supports deal-sourcing efforts and optimizes to build lists of buyers, sellers, and potential add-on targets.
- May 2025Series A$12.7M
- Mar 2023Seed$1.6M
#8
Series C · Espoo, Uusimaa · founded 2016 · 145 employees$74.2Mraised▾
Provider of open banking API solutions. It features My Carbon Action tool for tracking CO2 emissions of the purchases. It offers a cloud-based open banking platform for banks and financial institutions. It offers a regulatory compliance platform and an open banking hub that provides a platform for third parties to access data and initiate payments. It also offers the Enfuce Payment Platform that provides card issuing services for card products like consumer credit cards, prepaid cards, and prepaid cards.
- Nov 2023Series C$9.3M
- Dec 2021Series C$50.9M
- Mar 2021Series B$8.3M
- Nov 2019Venture Debt$5.5M
#9
Seed · Finland · founded 2018$1.7Mraised▾
Provider of bitcoin-backed yield-bearing synthetic dollar. It allows users to earn up APY without leaving Bitcoin. It utilizes automated options yield strategies to provide a new way for investors to generate returns.
- Oct 2024Seed$1.7M
#10
Seed · Tampere, Pirkanmaa · founded 2016 · 20 employees$2.4Mraised▾
Provider of digital receipt solutions for merchants and payment processors. The company facilitates the transition from paper to digital receipts, integrating with POS systems and payment providers. It offers options for customers to receive receipts via card linking, QR codes, or NFC. The platform provides data analytics while ensuring compliance, and enables personalized discounts and loyalty programs.
- Jul 2024Seed—
- Dec 2020Seed$2.4M
#11
Series A · Finland · founded 2020 · 922 employees$72Mraised▾
Non-custodial staking solution for cryptocurrencies. Users must invest any amount of ETH into the staking protocol in order to obtain the same amount of token, which may be utilized for any financial transaction or service. Users can earn staking incentives by depositing funds on the platform, which can be redeemed by transferring tokens back to ETH when needed.
- Mar 2022Series A$70M
- Sep 2021Grant (prize money)$232.2K
- Jul 2021Grant (prize money)$11.9M
- Jun 2021Grant (prize money)$243.6K
#12
Series C · Helsinki, Uusimaa · founded 2003 · 337 employees$44Mraised▾
Offers AI & cloud-based procurement analytics and spend management solutions. It is a spend management software provider that analyzes past purchases, predicts future spending, and manages procurement savings from idea to measurable cash. The company's SaaS modular software offers procurement controlling, spend analysis, savings program management, and spend budgeting and forecasting solutions.
- Sep 2022Series C$44M
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 Finland
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 16 Finland-affiliated papers.
- Tampere University3
- Finland University2
- University of Eastern Finland2
- Vaasa University of Applied Sciences2
- Häme University of Applied Sciences1
- Investment (military)1
- Service (business)1
- Financial services1
- Financial literacy1
- Digital literacy1
- Financial inclusion1
- Financial management1
- Financial literacy1
- Tanzania1
- Financial transaction1
- Financial services6
- Payment2
- Scholarship2
- Intersection (aeronautics)2
- Scalability2
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.