Best FinTech Companies in Luxembourg
The 154 best FinTech companies in Luxembourg in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Payconiq.
Luxembourg's FinTech sector doesn't get the headlines Paris or Berlin grab, but this ranking of the best FinTech companies in Luxembourg, ordered by disclosed equity funding and recent momentum, shows a market worth watching closely. We're tracking 154 companies here, with total disclosed funding at $87M and Next Gate Tech leading the pack at $14M raised. No unicorns yet, but the pipeline is real.
The global backdrop makes that pipeline matter more. The FinTech market sits at roughly $113.4B in 2025 and is forecast to reach $461.6B by 2034, a 17.21% CAGR according to IMARC Group, driven by OEM-Pay adoption and PSD2's SCA requirements pushing institutions toward smarter infrastructure fast. Consolidation is accelerating globally too, with players moving to acquire data and distribution rather than build from scratch. So what does that mean for Luxembourg specifically? Hot themes here are platform banking and cloud-based infrastructure, and active backers like LHoFT, Expon Capital, and Luxembourg Stock Exchange are keeping deal flow alive. STOKR and Tokeny are worth watching if tokenization is your focus. Stringent regulatory requirements add friction, but for companies that clear that bar, you've got genuine European market access built in.
- 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 Luxembourg
| # | Company | Disclosed funding | Last round | Stage | Employees | Founded | Founder | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | Payconiq Wallet based payments solution | $22M | 82 mo ago | Series A | — | 2015 | Duke Prins CEO | — |
| 2 | Next Gate Tech SaaS for asset management and fund industry | $14M | 38 mo ago | Series B | 37 | 2019 | Semin Ibisevic Co-Founder & CTO | — |
| 3 | STOKR Blockchain-based crowdfunding platform focused on startups | $6M | 19 mo ago | Seed | 13 | 2018 | Arnab Naskar Co-Founder | 1 launch |
| 4 | Governance.com Cloud-based corporate governance management software | $6M | 65 mo ago | Series A | 29 | 2011 | Rob Boerman Co-Founder and CTO | — |
| 5 | TOKENY Tokenization platform to launch STOs | $6M | 30 mo ago | Acquired | 35 | 2017 | Daniel Coheur Co-founder & CCO (Luxembourg) | 1 partnership |
| 6 | IBISA Provider of blockchain-based risk-sharing microinsurance solutions for farmers | $5M | 23 mo ago | Seed | 14 | 2019 | Annette Houtekamer Co-Founder | 2 partnerships |
| 7 | ANote Online royalty and rights management solution provider for artists | $4M | 26 mo ago | Series A | 27 | 2018 | Gregoire Mathonet Co-Founder | — |
| 8 | Moniflo Online investment platform invest in funds | $3M | 28 mo ago | Series A | 16 | 2021 | Eric Falk Co-Founder | 1 launch |
| 9 | Koosmik Mobile wallet | $3M | 85 mo ago | Seed | 13 | 2014 | Gregoire Yakan Co-Founder | — |
| 10 | Fundvis Provider of a platform automating fund administration workflows | $3M | 6 mo ago | Seed | 8 | 2022 | Leonhard Kossmann Co-Founder | 3 awards |
| 11 | Scorechain Cloud-based regulatory compliance solution for bitcoin and blockchain | $3M | 55 mo ago | Public | 16 | 2015 | — | 1 job opening · 1 launch |
| 12 | COMO Digital Life Provider of multi-currency accounts and payment and foreign exchange transaction services | $2M | 33 mo ago | Seed | — | 2022 | Angela Nickel Founder & CEO | — |
| 13 | CarPay-Diem Provider of mobile fueling and digital marketing platform for fuel retailers and card issuers | $2M | 38 mo ago | Seed | 13 | 2016 | — | — |
| 14 | ZELF Internet first bank for individuals | $2M | 63 mo ago | Seed | 27 | 2019 | Videh S Co-Founder | — |
| 15 | StarTalers Online investment planning and financial advisory services for women | $2M | 59 mo ago | Seed | — | 2018 | Gaelle Haag Co-Founder | — |
| 16 | Frictionless Markets Blockchain-based world asset tokenization platform for bonds and credit | $1M | 41 mo ago | Seed | — | 2021 | Brendan Flanagan Co-Founder | — |
| 17 | Cascade Online platform for centralising client data and AML/KYC framework | $1M | 47 mo ago | Seed | 9 | 2019 | Declan Ohannrachain Co-Founder | 1 internship · 1 award |
| 18 | algoreg KYC and AML solutions for financial institutions | $1M | 93 mo ago | Series A | 3 | 2016 | Jean Pierre Bitton Co-Founder & CSO | — |
| 19 | Oxford BioChronometrics User behavioral signature based IAM solution | $198K | 153 mo ago | Seed | 9 | 2013 | Adrian Neal Founder | — |
| 20 | The Markets Trust Risk management, regulatory & compliance software. | $110K | 125 mo ago | Funding Raised | 6 | 2013 | Evangelos PAPADOPOULOS Founder & CEO | — |
Top 12 FinTech companies in Luxembourg
#1
Seed · Luxembourg, Luxembourg · founded 2022 · 8 employees$3Mraised▾
Provider of a platform automating fund administration workflows. It digitalizes and automates administrative processes, facilitates data collection and processing from various sources and counterparties, and enables compliant collaboration on a central platform for all investment fund lifecycle stakeholders. The platform supports financial structuring, due diligence, regulatory reporting, and DORA compliance, streamlining processes such as data collection, report creation, and approval cycles. It offers features like automated alerts, centralized counterparty monitoring, and efficient data export tools.
- Dec 2025Seed$2.5M
- May 2024Angel$506.2K
#2
Seed · Luxembourg, Luxembourg · founded 2018 · 13 employees$5.9Mraised▾
STOKR provides a blockchain-based crowdfunding platform focused on startups. It allows users to invest in games, artwork, manufacturing, real estate, mobility, and other sectors. It also provides investors liquidity by transferring the stake.
#3
Seed · Luxembourg, Luxembourg · founded 2019 · 14 employees$4.7Mraised▾
Provider of blockchain-based risk-sharing microinsurance solutions for farmers. It offers a mutual risk-sharing solution with low fees, quick assessment, and payments for small-scale farmers leveraging blockchain and satellite imagery technologies.
- Jun 2024Seed$3M
- Aug 2022Seed—
- Dec 2021Seed$1.7M
- Nov 2020Grant (prize money)$23.7K
#4
Series A · Luxembourg, Luxembourg · founded 2018 · 27 employees$4.2Mraised▾
Online royalty and rights management solution provider for artists. The portal offers a marketplace for investors and music owners. Users can sell or buy their royalties to investors. Provides an auction system for music owners.
#5
Series B · Luxembourg, Luxembourg · founded 2019 · 37 employees$14.1Mraised▾
SaaS for asset management and fund industry. The platform enables the user to streamline day-to-day processes and data management from multiple unharmonized, unstructured sources. The analytics tools provide automated NAV oversight, risk oversight, and ESG oversight. The platform drives efficiency and reduces risk, by eliminating the need for multiple-point solutions and legacy databases enabling firms to manage their governance and controls independently and consistently, while lowering their technology and manual spend. It also offers NAV validation review, fund performance evolution, portfolio anomaly detection, peer analytics, risk & compliance dashboards, and risk and compliance reports based on Accounting Book of Record (ABOR) data, and more.
- Apr 2023Series B$8.8M
- Jun 2022Series A$5.3M
- Jul 2020Seed—
- Dec 2019Seed—
#6
Acquired · Luxembourg, Luxembourg · founded 2017 · 35 employees$5.7Mraised▾
Tokeny provides a compliant tokenization platform to issue, manage and trade security tokens. Offers a cloud platform to issue compliant tokenized securities to eligible investors. Features include onboarding solution with KYC and AML tools, multi-currency and multi-payment methods. The company offers a blockchain-based solution for the compliant transfer of asset ownership. Also offers software solutions for issuers & their investors to manage tokenized securities.
- Dec 2023Series B—
- Jan 2022Series B—
- Jul 2019Series A$5.7M
#7
Series A · Luxembourg, Luxembourg · founded 2021 · 16 employees$3.3Mraised▾
Online investment platform invest in funds. It allows investors to invest across sectors including economy & infrastructure, social progress, basic supply, and more.
- Jan 2024Series A$3.3M
#8
Seed · Kockelscheuer, District De Luxembourg · founded 2022$2.2Mraised▾
Provider of multi-currency accounts and payment and foreign exchange transaction services. The company offers a platform to manage financial transactions. It facilitates sending, spending, and converting money. The company provides services such as managing payments, foreign exchange, and treasury management. It also enables businesses to offer financial products to their customers.
- Sep 2023Seed$2.2M
#9
Series A · Luxembourg, Luxembourg · founded 2015$22.3Mraised▾
Wallet based payments solution
#10
Seed · Strassen, Luxembourg · founded 2016 · 13 employees$2Mraised▾
Provider of mobile fueling and digital marketing platform for fuel retailers and card issuers. This platform enables mobile apps and connected vehicles to activate fuel pumps and charging stations regardless of brand or payment method. It integrates into existing mobile applications, adding pay-at-pump functionality and a direct marketing approach. The platform serves as a single access point for multiple retailer brands, allowing retailers to engage directly with drivers at the point of purchase. It facilitates streamlined expense management for commercial fleets through integration with fleet cards and automated data collection.
#11
Series A · Luxembourg, Luxembourg · founded 2011 · 29 employees$5.9Mraised▾
Governance provides a cloud-based corporate governance management software. It is a GRC system which manages complex data and documents. Features data centralization, data security, GDPR compliance, regulatory compliance solution, and reporting.
- Dec 2020Series A$401.3K
- Jan 2020Series A$3.3M
- Oct 2016Seed$2.2M
#12
Public · Luxembourg, Luxembourg · founded 2015 · 16 employees$2.9Mraised▾
Cloud-based regulatory compliance solution for bitcoin and blockchain. It provides risk scoring, rating of bitcoins address ratings and transactions tracking, blockchain data analytics and monitoring, CRM Dashboards, event monitoring, personal bitcoin statements including charts, bookkeeping, and historical valuation, notifications, API platforms for programmers to build services, and more.
- Nov 2021Grant (prize money)$243.3K
- Oct 2021Seed$2.3M
- May 2018Grant (prize money)—
- Oct 2015Seed$570K
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 Luxembourg
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 Luxembourg-affiliated papers.
- University of Luxembourg7
- Arbed1
- Bankruptcy1
- Key (lock)1
- Financial modeling1
- Financial risk1
- Financial services1
- Distributed ledger1
- Waterfall1
- Waterfall model1
- Financial services1
- Financial inclusion1
- Shadow (psychology)1
- Financial regulation1
- Pace1
- Bureaucracy1
- Financial innovation1
Where fintech is researched across Luxembourg
Location clusters by institution affiliation — each city's volume, stance tone, and a quick read on its hot topic, what's advancing, the opening opportunity, and the main concern.
Common questions
Rohit lives in the feed. He covers what's moving right now — the funding rounds, launches and shifts breaking across the trade press — and ties them back to where the sector is heading.