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Harjumaa, Estonia’s 100 Fastest Growing FinTech Startups

At Fintech Energy we track over 200,000 fintech startups and over 1,000,000 people who hold key positions in these companies. We use this directory of startups to highlight top employees, founders and organisations we think deserve more appreciation than they are currently getting.

We’ve ranked the top 101 FinTech companies in Harjumaa, Estonia. The companies, startups and institutions listed in this article are all exceptional companies, well worth a follow. We have included links to their websites, socials and CrunchBase (if you’re interested in their financials).

We selected the organisations listed in this article based on:

  • Track record
  • Executive leadership
  • Market share
  • Innovation
  • ESG rating

Our Data – We source our data from OSINT (open source intelligence) and public directories such as CrunchbaseSemRush and many more. The data from these sources should be treated with a degree of caution and verified yourself.

Top FinTech Companies & Startups (Harjumaa, Estonia)


Crypterium

FoundersAustin Kimm, Gleb Markov, Vladimir Gorbunov
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Crypterium mobile app allows instant payments in cryptocurrency. Whatever you can do with your money, you can now do with your crypto.


Fundwise

FoundersGleb Maltsev, Henri Laupmaa
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Fundwise is a crowd investment platform for small- to medium-sized businesses in the CEE region.


Primex Finance

FoundersDmitry Tolok, Vlad Kostanda
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Decentralized Prime Brokerage protocol for cross-dex margin trading.


MyCointainer

FoundersBartosz Pozniak
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A staking service platform


Xolo

FoundersAvo Alender, Erik Mell, Erko Hansar, Urmo Pärg
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Xolo makes freelancing a magical experience


Single.Earth

FoundersAndrus Aaslaid, Merit Valdsalu
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Single.Earth is a fintech startup tokenizing the world’s nature to make it the new gold


Salv

FoundersTaavi Tamkivi
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Salv is revolutionising the financial compliance sector with smart technology.


CoinLoan

FoundersAlex Faliushin, Max Sapelov
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The Most Advanced Crypto Lending Platform.


Raison

FoundersAlexander Zaytsev, Andrey Berezin, Andrey Kononykhin
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Raison app lets users get pre-IPO investment products from €100 and operate ETH, BTC, USDC and EUR currencies.


Modularbank

FoundersJan Lakspere, Ove Kreison, Rivo Uibo, Vilve Vene
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Tuum is a cloud-native banking platform that allows to establish a new banking business or digitally transform an existing one.


Montonio

FoundersKristofer Turmen, Markus Lember
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Montonio connects payment orchestration and payment initiation into full checkout solution for European e-commerce stores.


KICK ECOSYSTEM

FoundersAnti Danilevski
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One-stop shop in crypto: a next generation digital exchange, STO/ICO auction platform, wallet, payment acquirer and many other services.


PlasmaPay

FoundersEvgeny Fedorov, Ilia Maksimenka
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PlasmaPay is a crypto/fiat payment system and fintech platform for new financial services


Envoy Group

FoundersLee Tarone
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Envoy Group is a supply chain and trade finance company, uses blockchain technologies to bring massive efficiences to global supply chain.


Grünfin

FoundersAlvar Lumberg, Karin Nemec, Triin Hertmann
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Grünfin is a sustainable investing platform for people who care about their impact.


Arf

FoundersAhmet ÖZCAN, Ali Erhat Nalbant, Berhan Kongel, Kazim Rifat Ozyilmaz
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Instant & Compliant Cross-Border Payment Network For Financial Institutions


Swipelux

FoundersAndrey Lebedev, Filip Kollert
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Swipelux is a local payment infrastructure for fiat to crypto


BITLEVEX

FoundersMikhail Skoblov
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Next-generation Groundbreaking BTC Options platform


Chatex

FoundersAlex Sushko, Vladislav Bulochnikov
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Chatex is the simplest wallet in the messenger.


askRobin

FoundersKai Karttunen, Karl Kaju, Rain Sepp
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AskRobin is a credit marketplace for underbanked in Latin America


Credits

FoundersIgor Chugunov
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Credits App makes your money, crypto and investing experience easier


Quppy

FoundersAlina Kornienko, Dimitry Nikiforov
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Mobile App and E-Banking solution


Exscudo

FoundersAlex Sitnikov, Andrei Zimine
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Exscudo is the gateway between the traditional finances and cryptocurrencies. The company develops a number of blockchain-based products.


Bondora

FoundersMartin Rask, Mihkel Tasa, Partel Tomberg
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Bondora offers access to the world of investing and earn a reliable net return, without all the complexities.


Nobe

FoundersErnesto Cueto, Thomas Dobereiner
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We help autonomous owners truly become financially included


AASA Global

FoundersUnknown
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Aasa Global is an international financial technology company which offers credit solutions to consumers and businesses.


Midex

FoundersAleksandr Škirin
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First EU regulated Crypto-Fiat Exchange


Striga

FoundersBernardo Magnani Blanco, Prashanth Balasubramanian
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Embedded Crypto Native Banking as a Service


dillali

FoundersBashir Ibrahim
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dillali is mobile first income and expense platform for SMEs in Africa and other emerging markets.


Etherecash.io

FoundersUnknown
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A Peer to Peer crypto lending platform.


EvoEstate

FoundersAudrius Visniauskas, Gustas Germanavičius
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EvoEstate – Real Estate Investments Aggregator


SPARQ

FoundersDanila Belokons
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Community-based Personal Finance Platform


BitOfProperty

FoundersKarl Vään, Taavi Pettai, Timo Kaus
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BitOfProperty is an alternative real estate investment platform for passive income.


TradeLink

FoundersAlexander Bogdanov, Yuriy Avdeev
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Tracking and Analytics service for trading accounts


CEED Tech

FoundersAdam Jermann, Calum Cameron, Eva Havasova, Grete Gutmann, Nikola Rafaj, Rokas Tamošiūnas
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CEED Tech is a consortium of five startup accelerators.


CROWDESTOR

FoundersGunars Udris, Janis Timma
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Business crowdfunding platform


Patricia

FoundersBenjamin Oyemonlan, Fejiro Hanu Agbodje
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Patricia is an alternative financial services provider for individuals and businesses with focus on cryptocurrencies.


Topos Network

Foundersmarco muccini
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The Borderless Bank of Migrants


Niko Technologies

FoundersYurii Lamdan
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A FinTech company implementing a Global Commerce and Money Network, a neobank project for instant payments and transfers on a global scale.


StakeWise

FoundersDmitri Tsumak, Kirill Kutakov
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StakeWise is an open-source protocol for capital-efficient staking on Ethereum 2.0.


Xuach

FoundersCristian Quintero, Hollwann León
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Xuach is the all in one venture crowd-investing and equity marketplace platform for emerging Startups at pre-IPO Stage.


MUST Platform

FoundersAnton Redko
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International marketplace of assets and financial instruments for SME and the platform of collateral and asset management


CoinMetro

FoundersKevin Murcko
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CoinMetro is a financial platform fueling the future of blockchain innovation.


Stockpoint

FoundersUnknown
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Stock Point — a cross-platform cryptocurrency exchange. Crypto it’s easy with us!


Proof Suite

FoundersDavid Van Isacker
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Proof Suite is an open-source blockchain technology company, specializing in next-generation financial market toolsets.


Minterest

FoundersJosh Rogers
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Minterest is a cross-chain decentralized money market lending protocol for decentralized financial.


Atomic Wallet

FoundersKonstantin Gladych
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Crypto currency wallet with built-in atomic swap exchange


CostPocket

FoundersUnknown
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CostPocket develops an accounting software that enables users to collect, digitalize, sort, archive, and send receipts.


Paytailor

FoundersErki Adams, Mariliis Mia Topp, Rode Luhaäär
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Paytailor is distribution software, which connects businesses with clients


Coinsbit.io

FoundersUnknown
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Coinsbit is a legit, secure, and reliable cryptocurrency exchange based in Estonia.


IPOhub

FoundersAleksander Kalju, Silver Laus, Volli Kalju
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IPOhub is an information platform on growth company IPOs.


Brickfy

FoundersFernando Palma, Juancho Arregui
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Brickfy is an Estonian financial technology company that offers a marketplace to invest in business and property-backed loans.


WhiteBIT

FoundersOleg Kiyan, Vladimir Nosov
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WhiteBIT provides a secure and easy-to-use digital asset trading platform.


Scoriff

FoundersPeep Küngas
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Scoriff protects businesses against credit losses and late payments


CoinsPaid

FoundersMax Krupyshev
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CoinsPaid is a financial payments processing firm that renders cryptocurrency wallet, payment gateway, OTC desk & cryptocurrency exchange.


ShufflUp

FoundersShilpa Mitra, Sromana Mukhopadhyay
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ShufflUp is a hands-off crypto-currency algorithmic trading platform for less-skilled investors


Tradelize

FoundersAnton Zapolskyi
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Tradelize is an investment network that is building a highway between truly talented professionals and retail investors.


Switchere

FoundersUnknown
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Switchere is a licensed exchange where you can instantly buy crypto using a bank card. No verification required for purchases up to 100 EUR.


Acounto

FoundersFerenc Brachmann, Norbert Fischer, Tamás Gyurics
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Acounto develops an application to manage and process accounting services.


Gembex

FoundersUnknown
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Intelligence financial marketplace


CoinField

FoundersReza Bashash
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CoinField is the easiest way to Buy/Sell Cryptocurrency in 193 countries!


HiHi!

FoundersAshley Pope, Michael Guffanti
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Save Cryptocurrency. Earn Fiat Interest. Join HiHi! B2C Mobile App. B2B Whitelabel & API.


OWNR WALLET OŰ

FoundersGrigoriy Sytenko
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OWNR WALLET is a multi-asset crypto-ecosystem including multifunctional HD wallet, Visa prepaid cards and a number of B2B solutions


Depository Network

FoundersDelyan Nikolov, Svetoslav Dimitrov
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Depository Network is the infrastructure needed for modern lending.


Wert

FoundersGeorge Basiladze
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Wert offers a top-up module, that can be integrated to any website or mobile app and enables seamless purchasing of crypto.


MYJAR

FoundersMarko Sjoblom
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Helping people manage their finances by providing responsible short term loans to reliable borrowers.


Crassula

FoundersAlexander Novozhenov, Daria Dubinina
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Crassula, is an open-banking platform that helps companies launch their Banking, PSP, FX products as a White Label.


GetID

FoundersAlexander Tsikhilov, Dmitri Laush
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Identity Verification, KYC/AML checks, Customer Onboarding, part of Checkin.com Group. 


Ruul

FoundersEsen Bulut, Mert Bulut
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Ruul is here to change work dynamics for people to be able, motivated, and entitled to govern their careers and lives autonomously.Today, over 10.000 organizations and 50.000 talents master working compatibly and in compliance anywhere with Ruul’s modern work solutions made for the remote reality.


Emirex

FoundersGrigory Rybalchenko
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Emirex is a centralized cryptocurrency exchange offering a variety of crypto asset management tools.


Paype

FoundersHeiko Liiv, Mikk Orglaan
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Paype is the world’s thinnest wallet and loyalty card system


Cyphergram

FoundersRuslan Yemchyk
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Secure customer’s personal data processing platform for businesses


Keypay

FoundersArnon Dagan, Giyora Ran, moti berman
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Keypay is a crypto investing platform that sends, receives, stores, and trades digital currencies.


TribeOne

FoundersMehdi Suleman
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An algorithmic credit risk powered platform


B2BX Exchange

FoundersArtur Azizov
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B2BX – professional digital asset exchange. Full-featured spot trading platform for major digital assets and cryptocurrencies.


Amon

FoundersCristian Izzo, Daniele Izzo
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The every-day Crypto debit card powered by AI and multi-currency crypto wallet


UP Invest

FoundersUnknown
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UP Invest company focusing on investments in health care, media, consumer brands real estate and cleantech venture capital.


Evoblox

FoundersAntoine Aimé, Aykut Baybas, Emmanuel Courdavault, Eric Silvestre, Kai Schneider, Michael Langsenlehner, Pierre Evrard, Quentin Le Rolland, Robert Bakker, Ruanne Lloyd
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Evoblox provides blockchain-driven payment and data management solutions using the Electra Protocol blockchain.


Utorg

FoundersUnknown
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Utorg is a fintech company that offers а modern on/off-ramp and web3 consumer infrastructure to deliver а top-notch user experience.


Tap2Pay

FoundersEvgeny Palchevsky
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Tap2Pay it’s like Paypal inside your messenger, socila media & web. Accept cards, ACH, SEPA, paypal, wire transfer, cash-on-delivery orders.


Siena Secondary Fund

FoundersUnknown
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Siena Secondary Fund focuses on providing liquidity to early investors, founders, and employees of high-growth startups.


Pocosys

FoundersIndrek Neivelt
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Pocosys visions a future where every company could do Banking. Pocosys provides banking as a service.


FIIZY

FoundersAndres Meier, Rasmus Vooglaid
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Fiizy is a global digital lending platform.


swapin.com

FoundersEvald-Hannes Kree, Raivo Malter
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Crypto on/off-ramp Infrastructure.


Vespia

FoundersJulia Ront
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Vespia is a tool for verifying and onboarding legal entities that helps companies minimize business risk using AI.


Citowise

FoundersAleksandr Kents, Jaroslav Gorjachev, Max Zab
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Citowise is one of the few wallets that is both safe and decentralized as it does not keep private user keys.


OKONTO

FoundersUnknown
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Security Token Offering (STO) investment platform, digital currency exchange


Mothership

FoundersAnton Egorov, Areseny Zarechnev
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Mothership A state-of-the-art digital asset exchange, EU token marketplace and wallet with powerful security features.


Polybius

FoundersUnknown
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Fintech company behind the PFM app Osom.finance


Coinprime

FoundersUnknown
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Coinprime provides a fast and safe gateway to buy and sell cryptocurrencies like bitcoin BTC from anywhere in the world.


BTCBear

FoundersMohammad Sadegh Daneshvar, Morteza Rezaei
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BTCBear is Global decentralized cryptocurrencies exchange platform, P2P lending system and Bitcoin payment processing system.


Capitual

FoundersAmarildo Caka
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Capitual is an FIU Licensed, global leader in fiat and digital money solutions for both personal and business use.


Crypto Brokers OÜ

FoundersNathan Sharp, Vaughn Murphy, Zuhtucan Soysal
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Crypto Brokers is developing a virtual assistant to provide a faster, safer and more convenient way to trade cryptocurrencies.


Fitek

FoundersUnknown
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Fitek is a financial process automation solutions and services provider for enterprises and public sector.


Remmitex-Digital Asset Exchange

FoundersKarn Dwivedi
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Remmitex is a multi-functionality online international digital asset investment and trading platform.


Reinvest24

FoundersUnknown
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Reinvest24 is a Real Estate Investment Platform


Applebrie Limited

FoundersUnknown
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Applebrie Limited offers Fintech,CRM, SaaS, AI, BI, Cryptocurrency and Blockchain services.


PayRequest

FoundersUnknown
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Simple, fast payment links via Stripe and Mollie


Guardarian

FoundersUnknown
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Guardarian drives cryptocurrency adoption, providing services that make using crypto simple and convenient.


SupplierPlus

FoundersUnknown
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SupplierPlus is a tech-driven supply chain finance platform that releases cash from unpaid invoices.

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