Best FinTech Companies in Portugal
The 155 best FinTech companies in Portugal in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Coverflex.
Portugal's FinTech sector has a ranking problem, and this directory solves it: 155 companies tracked, ordered by disclosed equity funding and recent momentum, so you can see exactly where capital is concentrating. Total disclosed funding across the cohort sits at $122M, with Coverflex leading at $22M, Ethena close behind at $20M, and Limitless pulling $17M. No unicorns yet, but the pipeline is real and the investor base, anchored by Portugal Ventures, Armilar Venture Partners, and Startup Lisboa, is staying active. The global backdrop is worth keeping in mind too: IMARC Group puts the worldwide FinTech market at roughly $113.4B in 2025, growing toward $461.6B by 2034 at a 17.21% CAGR, driven by PSD2's Strong Customer Authentication requirements and the steady expansion of OEM-Pay solutions.
So what's the Portuguese story right now? Coverage is rising, and the hot themes, next-gen banking platforms, cloud-based infrastructure, platform banking, are all areas where smaller, well-funded teams can move faster than incumbents. I'd watch how consolidation trends elsewhere feed local appetite here: PB Fintech's acquisition push signals that aggregation and account infrastructure are becoming strategic assets globally, a dynamic Portugal's cohort can't ignore. And Navi's rapid lending app rise underscores how quickly traction can build when product and timing align. The $122M disclosed here is a floor, not a ceiling.
- 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 Portugal
| # | Company | Disclosed funding | Last round | Stage | Employees | Founder | Tech stack | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | Coverflex Cloud-based payroll management platform for compensation planning | $22M | 40 mo ago | Series A | 120 | Luis Rocha Co-Founder & CMO | WebflowSentryZendesk+30 | 1 launch |
| 2 | Ethena Platform offering multiple crypto-based financial solutions | $20M | 8 mo ago | Series B | — | Guy Young Founder | SentryNode.jsThree.js+19 | 1 launch · 6 partnerships |
| 3 | Limitless Provider of social crypto trading platform | $17M | 8 mo ago | Seed | — | Roman Mogylnyi Chief Operations Officer & Co-founder | Turbopackstyled-componentsEmotion+26 | 1 launch |
| 4 | LOQR Provider of AI-powered core banking solution | $10M | 59 mo ago | Series A | 65 | Ricardo Costa Founder & CEO | Node.jsSalesforceGSAP+14 | — |
| 5 | Phantasma Blockchain designed for gaming, smart NFTs, and dApp integration | $10M | 96 mo ago | Funding Raised | — | Sergio Flores Founder & CEO | WordPressMySQLPHP+21 | — |
| 6 | Mintbase Platform offering a launchpad for launching NFT projects | $8M | 50 mo ago | Series A | 19 | Nate Geier CEO | Node.jsRadix UITailwind CSS+14 | — |
| 7 | Habit AI-based data analytics platform for insurers and underwriters | $6M | 43 mo ago | Series A | 49 | Domingos Bruges Co-Founder & CEO | WixSentryBootstrap+12 | 1 partnership |
| 8 | Fight Out Platform building a fitness app and high-end gym chain | $6M | 38 mo ago | Series A | — | Carl Jones CEO | WebflowAmazon Web Servicescore-js+9 | — |
| 9 | Texture Finance Solana-based DeFi platform | $5M | 43 mo ago | Series A | — | Oleg Ravnushkin Co-Founder | — | — |
| 10 | Zharta Provider of a real-time NFTs loan platform | $4M | 47 mo ago | Seed | 20 | Diogo Pires Co-Founder and CTO | WebflowAmazon Web Servicescore-js+10 | 1 partnership |
| 11 | GoParity Provider of an online crowdlending platform for solar project financing | $4M | 13 mo ago | Series A | 33 | Manuel Nina Co-Founder & CPO | SentryZendeskNode.js+22 | 1 launch |
| 12 | James Provider of credit scoring models. | $3M | 108 mo ago | Deadpooled | 6 | — | — | — |
| 13 | Cropper Automated market maker built on the Solana blockchain | $1M | 57 mo ago | Seed | — | Arthur C Co-Founder | — | — |
| 14 | Interface Online platform for cryptocurrency data solutions | $1M | 34 mo ago | Seed | — | Anna Nedospasova Co-Founder | WebflowjQueryHSTS+8 | — |
| 15 | Data4Deals Online platform offering AI-enabled CRM solutions to banks for customer engagement | $1M | 38 mo ago | Seed | 9 | Pedro Clara Co-Founder | BootstrapFont AwesomeMicrosoft 365+5 | — |
| 16 | Polkastarter Decentralized fundraising platform for web3 projects | $875K | 66 mo ago | Seed | — | Daniel Stockhaus Co-Founder & CEO | Node.jsTypeScriptGraphQL+25 | — |
| 17 | Biometrid Provider of AI and cloud-based multimodal authentication, and matching platform | $463K | 41 mo ago | Funding Raised | 27 | — | WordPressMySQLPHP+23 | 1 job opening |
| 18 | Net Zero Insights Market intelligence platform for climate tech | $454K | 50 mo ago | Seed | 23 | Andrea Canepa Co-Founder & CTO | WordPress Block EditorElementorWordPress+32 | — |
| 19 | Zercatto Online Social trading platform | $390K | 154 mo ago | Deadpooled | — | Goncalo Moreira Co-founder | — | — |
| 20 | VelasPad Blockchain-based IDO platform | $288K | 56 mo ago | Funding Raised | — | Alex Alexandrov Founder & CEO | — | — |
| 21 | Prazo.pt Online marketplace for invoice financing | $229K | 96 mo ago | Deadpooled | — | Pedro Fernandes Founder & CEO | — | — |
| 22 | Follow Inspiration Smart shopping carts for retailers | $123K | 97 mo ago | Funding Raised | 14 | Luis de Matos Chairman & CEO | WordPressPleskMySQL+22 | 1 expansion |
| 23 | Youverse Decentralized biometric authentication for web3 | $110K | 53 mo ago | Funding Raised | 15 | Pedro Torres Co-Founder & CEO | SentryApple iCloud MailMicrosoft 365+20 | — |
Top 12 FinTech companies in Portugal
#1
Series B · Lisbon, Lisbon · founded 2023$20Mraised▾
Platform offering multiple crypto-based financial solutions. It provides the derivative infrastructure in order to transform Ethereum into the crypto-native yield-bearing stablecoin. Its product portfolio includes a delta-neutral stablecoin with embedded yield, floating & fixed rate USD-denominated internet bonds, and repo financing.
- Sep 2025Series B$20M
- Mar 2025Series B$16M
- Dec 2024Series A$100M
- Feb 2024Series A$14M
#2
Seed · Lisbon, Lisbon · founded 2021$17Mraised▾
Provider of social crypto trading platform. It enables prediction markets, leveraging blockchain and AI technology to facilitate social trading and enable users to bet on various outcomes.
- Oct 2025Seed$10M
- Jul 2025Seed$4M
- Sep 2024Seed$3M
#3
Series A · Lisbon, Lisbon · founded 2016 · 33 employees$4Mraised▾
Provider of an online crowdlending platform for solar project financing. It provides users with a platform that allows users to lend money to organizations, reinvest the money, and more. It also provides consultation and assistance services for project development.
#4
Series A · Braga, Braga District · founded 2019 · 120 employees$22.2Mraised▾
Cloud-based payroll management platform for compensation planning. It provides an online insurance benefits administration platform for employers and employees. The platform provides features such as Coverflex Wallet, a platform to manage food subsidies, the balance of benefits, health insurance, AT and network discounts, and Coverflex Childhood, a social voucher to pay education expenses for children. It is the tool available on the subscription-based pricing model.
- Feb 2023Series A$16.3M
- Apr 2021Seed$6M
#5
Series A · Lisbon, Lisbon · founded 2012$5.8Mraised▾
Platform building a fitness app and high-end gym chain. It is a move-to-earn platform that rewards users for completing workouts whether in the gym or at home in their living room. User workouts are personalized to their goals and ability, and their progress and achievements are analyzed and reflected directly in their digital avatar’s attributes.
- Mar 2023Series A$5.8M
#6
Series A · Lisbon, Lisbon · founded 2019 · 19 employees$8.5Mraised▾
Platform offering a launchpad for launching NFT projects. It helps users create and list NFTs on their own smart contracts with a full developer suite to enable you to build your own stand-alone market and NFT systems.
- Apr 2022Grant (prize money)$5M
- Apr 2022Series A$7.5M
- Nov 2020Seed$1M
- Oct 2020Seed$780K
#7
Series A · Lisboa, Lisboa · founded 2012 · 49 employees$6.1Mraised▾
Developer of an insurance management platform designed to offer multi-line insurance capabilities to insurers. The company's platform helps to deploy innovative digital products fast and leverage real-time data to better assess risk and improve the claims ratio, enabling users to avail of suitable insurance plans for their desired service from their registered insurers.
#8
Series A · Lisbon, Lisbon · founded 2021$5Mraised▾
Solana-based DeFi platform. The platform will launch a strategy called the “SOL power yield strategy” pool. This strategy pool pursues an algorithmic leveraged staking model to generate additional yield for a wide range of SOL staking positions. The upcoming Solana-based leveraged staking strategy means users can generate a risk-managed yield from the SOL tokens they already own while at the same time mitigating liquidation risks.
- Nov 2022Series A$5M
#9
Series A · Felgueiras, Porto District · founded 2015 · 65 employees$10.1Mraised▾
Provider of AI-powered core banking solution. It provides users with a platform that helps banks in digital transformation by providing them with AI-enabled API for online account opening, online credit, e-wallet, online merchant onboarding, customer data management and recovery, KYC and AML compliance, identity verification, e-sign feature, and more. It provides its solution mainly through its platform and software integration.
- Jun 2021Series A$9.5M
- Nov 2019Seed$550.3K
- Feb 2019Grant (prize money)$57.3K
#10
Seed · Lisbon, Lisbon · founded 2021 · 20 employees$4.4Mraised▾
Provider of a real-time NFTs loan platform. It enables NFT holders to convert their digital assets into loans without losing ownership over them. It is an online marketplace for both lenders and borrowers.
- Jul 2022Seed$4.4M
#11
Seed · Lisbon, Lisbon · founded 2022$1.4Mraised▾
Online platform for cryptocurrency data solutions. It enables users to compare wallets, research NFTs, and more. Its app is available for Android and iOS users.
- Jul 2023Seed$1.4M
#12
Seed · Lisboa, Lisboa · founded 2021 · 9 employees$1.1Mraised▾
Online platform offering AI-enabled CRM solutions to banks for customer engagement. Their solution enables the banks to analyze customer transaction data and understand their preferences. It allows the banks to offer better products, offers, and rewards to increase engagement and retain customer loyalty.
- Apr 2023Seed$1.1M
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 Portugal
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 Portugal-affiliated papers.
- Instituto Superior da Maia2
- Instituto de Engenharia de Sistemas e Computadores Investigação e Desenvolvimento2
- Autonomous University of Lisbon2
- Cambridge School1
- Polytechnic Institute of Cávado and Ave1
- Scopus1
- Bibliometrics1
- Web of science1
- Financial inclusion1
- Financial services1
- Financial services5
- Financial inclusion3
- Payment2
- Empirical evidence2
- Electronic funds transfer2
- Financial services2
- Information technology2
- Financial sector2
- Emerging technologies2
- Marketing1
Where fintech is researched across Portugal
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.