As the financial services industry continues to evolve, EBAday 2025 provides a timely window into the ideas and innovations driving that change. This year’s Fintech Zone features 16 startups that are tackling some of the sector’s most pressing challenges; from streamlining payments infrastructure to enhancing regulatory compliance and improving customer experience. These companies may be early-stage, but they offer valuable insight into where the market is heading; and what’s capturing the attention of banks, investors, and strategists alike.
Let’s take a closer look at the 16 startups featured in this year’s Fintech Zone.
A352 SARL
A352 SARL offers the Financial Navigator, a modular system designed to streamline treasury operations for mid-sized companies and large SMEs. By integrating with banks and ERPs, it provides real-time insights, process automation, and enhanced financial control, optimizing cash flows and improving efficiency.
• Funds Raised: $210,000 in grant funding, including support from the Luxembourg Ministry
• Clients: Operates in over 30 countries, connecting with more than 3,000 banks worldwide
• Geography: Headquartered in Luxembourg, serving clients across four continents
• Partners: Member of the Luxembourg Private Equity & Venture Capital Association (LPEA); supported by the Luxembourg Ministry
Adhara Ltd
Adhara is a financial software company that provides real-time, multi-currency liquidity management and international payment solutions. Their platforms deliver certainty by atomically clearing and settling tokenized fiat payments over enterprise-grade, smart contract-enabled distributed ledgers.
• Funds Raised: $7.5 million Series A funding round in May 2021
• Clients: Collaborated with UBS and Deutsche Bank on blockchain-based cross-border payment experiments
• Geography: Global reach with development hubs in Spain & South Africa, and business bases in the UK and Singapore
• Partners: Partnered with Ownera to provide financial institutions with cross-market access to digital cash and collateral
Authologic
Authologic streamlines identity verification by aggregating hundreds of e-ID systems into a unified platform, eliminating the need for document uploads and enhancing security. Their solution accelerates customer onboarding processes for financial institutions.
• Funds Raised: $8.2 million Series A
• Clients: Santander Leasing, LV Bet, eToro
• Geography: Offices in Warsaw, London, and San Francisco
• Partners: OpenOcean, Y Combinator, Peak Capital, SMOK VC
Bankify Oy
Bankify offers AI-driven tools to optimize banking operations and customer experiences, focusing on sustainable finance and user engagement. Their platform provides actionable insights and personalized recommendations that promote sustainable and financially healthy choices.
• Clients: Bankify serves a diverse range of clients, including marketplaces, fintechs, retail banks, and other financial institutions. Their platform is designed to build sustainable financial services, empowering these clients to drive user engagement and increase revenues.
• Geography: Based in Finland, serving international clients
• Partners: Collaborates with open banking partners to enhance offerings
Cavefish
Cavefish develops transaction platforms aimed at safeguarding digital payments and reducing fraud risks through innovative security measures. Their solutions focus on enhancing the integrity of digital transactions.
Consilient Inc
Consilient utilizes federated learning to transform efficiency and combat financial crime, enabling secure data collaboration without sharing sensitive information. Their technology enhances transaction monitoring and customer due diligence.
• Funds Raised: $3 million seed funding
• Partners: Partnered with Harex InfoTech to fight financial crime in South Korea
Instnt
Instnt offers identity verification services to enhance customer acquisition and compliance, providing a seamless onboarding experience. Their platform aims to reduce friction in the customer onboarding process.
Izi Payments Limited
Izi Payments focuses on fraud prevention, chargeback rate reduction, and revenue loss recovery, enhancing payment security for businesses. Their solutions aim to protect businesses from financial losses due to fraudulent activities.
• Clients: Izi Payments is trusted by businesses of all sizes and industries. Testimonials on their website highlight clients such as Mission Bay, Parkmerced, and Hayes Valley, praising the company’s fast, reliable, and easy-to-use payment processing solutions.
KM2 FinCrime Limited
KM2 FinCrime provides financial crime detection and prevention technologies, leveraging real-time analytics to proactively address risks. Their approach offers scalable, data-driven solutions for managing crime prevention and staying ahead of regulations.
Open Finance AI
Open Finance AI helps banks and financial institutions deliver personalized financial advice at scale using artificial intelligence. Their platform turns raw data into real-time, actionable insights, enhancing customer relationships and unlocking new revenue opportunities.
• Clients: Primarily financial institutions in Europe
• Geography: Based in the UK, operating across Europe
• Partners: Collaborates with banks and fintech integrators for data aggregation and deployment
pAIscreen Limited
pAIscreen delivers AI-driven compliance screening tools that automate risk assessments and support regulatory compliance. Their platform enhances efficiency in KYC and AML workflows by intelligently scanning global datasets.
• Geography: UK-based
StopCrime GmbH
StopCrime GmbH focuses on technologies to prevent and detect financial crime, using advanced behavioral analytics and anomaly detection. Their approach targets early-stage threats, offering real-time alerts for suspicious activities.
• Geography: Based in Germany
Tell Money Limited
Tell Money enables open banking connectivity and secure data sharing between banks and third-party providers. Their infrastructure is built to improve compliance, reduce development time, and accelerate innovation in open finance.
• Clients: Used by fintechs and regulated entities in the UK
• Geography: UK-based
• Partners: Partnered with open banking providers and FCA-regulated institutions
ToriiPay
ToriiPay offers cross-border payment solutions designed to simplify international remittances and B2B transactions. Their platform is tailored for underserved corridors and focuses on improving transparency and reducing costs.
• Clients: ToriiPay’s services are utilized by a global user base, with over 1 million users worldwide. Their solutions cater to various sectors, including loyalty apps, in-store payments, e-commerce, parking companies, core banking providers, banks, banking-as-a-service providers, and payment service providers.
• Geography: Focused on Africa, the Middle East, and Asia
Track A Payment (formerly Adnitio)
Track A Payment brings transparency to complex transaction flows, offering full visibility into each step of a payment process. This solution helps financial institutions resolve delays and reduce operational friction in B2B payments.
Trustfull
Trustfull provides real-time fraud prevention using open-source intelligence and device behavioral analytics. Their system assesses user intent at onboarding, minimizing risk and improving customer conversion.
• Funds Raised: $5 million seed round
• Clients: Used by banks and digital lenders
• Geography: Operates across Europe and North America
• Partners: Collaborates with threat intelligence and identity verification platforms
EBAday 2025 takes place on 27–28 May at the Carrousel du Louvre in Paris. As the industry gathers to explore what’s next in payments and transaction banking, the Fintech Zone offers a compelling preview of where innovation is headed. Keep an eye on these 16 startups—they may just be shaping the future of finance.
For more details about the event, visit the official EBAday website here.
