Financial Services Companies in Estonia

AliumSwap creates an advanced AMM Multichain DEX with Cross-chain & Hybrid Liquidity Features Decentralized exchanges on different blockchains do not interact with each other and the transfer of assets between them creates serious difficulties for users. AliumSwap will allow users to safely trade assets and quickly transfer them between different blockchains.

Zonda (ex-BitBay) is one of the largest digital asset investment platforms in Europe with over 1 million users. The company was established in 2014 and it is regulated by the Estonian Financial Intelligence Unit (FIU). The Zonda exchange has a policy against money laundering and terrorism financing and ensures the safety and security of the deposits and trading via the platform by applying strict AML and KYC procedures. Users can make transactions in over 50 coins and tokens in pairs with traditional currencies (EUR, GBP and PLN), stablecoins (USDT and USDC), and BTC and ETH. Zonda is continually developing and expanding its business, which has resulted in the creation of such products as Zonda FIAT Exchange and Zonda Pay. Zonda is on a mission to democratize the access to cryptocurrency. The company’s ambition is to develop simple intuitive tools, the education programmes, and the regulatory framework, that will help its customers to trade and spend confidently from a position of strength. To know more about investments in digital assets, please visit www.zondaglobal.com.

The next-generation BTC derivative platform. Bitlevex value proposition is based on security, transparency, unique product range, user engagement and beautiful user interface and design. Bitlevex has been created in order to disrupt the industry of cryptocurrency exchanges by offering the products that were non-existent before our inception

Voy, bridging the gap between DeFi funds and our digital trade finance network with digital eBLs and tokenised LCs conformed to our SASB ESG certification solution for sustainable trade finance removing fraud double entry, risk and enhanced traceability engaging new emerging markets and SMES. Financing the unfinanceable SME market, reducing banks exposure by combining with DeFi pools and reducing costs and inefficient manual and paper friction.

In 2013 a group of real estate and fintech experts based in Tallinn, Estonia had a bright idea. What if they could break down the barriers which ensured that investing in secured property loans was a luxury only available to the wealthy and well-connected? And what if they could help entrepreneurs and visionaries in the property development business who struggle with the ‘one-size-fits all’ solutions offered by banks and major financial institutions at the same time? Thus Estateguru was born. Today, more than half a decade later, we have facilitated more than 3100 loans worth in excess of €500 million. Over 100 000 investors, from all walks of life and hailing from 109 countries, have earned average returns of 11.24% by backing property loans in Estonia, Latvia, Lithuania, Spain, Germany, Sweden and Finland with more markets to follow soon. Due to the large and diversified investor base, with millions of EUR available to lend, our borrowers can get the money they need to realise their plans quickly, on their own terms, and investors can access pre-vetted and diversified, cross-border investment opportunities with a low barrier to entry and total transparency. Join us on our journey of building the bridges in property finance world.

Cachet is a financial services marketplace for gig workers. We aggregate and enrich cross-market data from gig platforms to enable businesses like insurance companies to sell better priced and personalized coverage based on the gig workers’ real work hours.

Choise.com is a MetaFi (CeFi/DeFi) ecosystem based on Crypterium CeFi solutions and Charism DeFi protocol, that reinvents how protocols operate with CeFi, reduces commissions up to 50 times and unlocks cross-chain high yield to 100 mln CeFi users. Contact: support@choise.com Join us on Telegram: https://t.me/choise_com

Salv is the world’s first real-time collaborative financial crime-fighting network. We enable tactical information sharing for organisations across sectors and national borders, and give compliance teams the tools to fight crime more effectively. The legal constraints that surrounded information sharing are giving way to regulatory clarity and certainty for all industry participants. As noted by the FATF, constructive and timely exchange of information is necessary for effective detection and prevention of ML/TF threats. Real-time collaboration and information sharing is here to stay and bound to become a powerful tool in the near future. Banking and financial services companies (LHV, Swedbank, and more) use Salv to navigate the regulatory complexities, reduce the risk of non-compliance, and improve operational performance.

Fairown is a fintech company that helps banks, brands, and retailers offer products as a service. Fairown provides a unique payment platform, allowing environmentally conscious businesses to offer products for monthly subscriptions, and manages product renewal cycles. The platform enables companies to increase sales and improve customer loyalty in a sustainable way. Fairown currently operates in eight markets across Europe. Its service is used by over 50,000 consumers. Fairown’s customers include multinational technology company Apple, German power tools manufacturer STIHL, and Komplett, the largest e-commerce player in the Nordics, amongst other leading brands that are shifting from a linear to a circular economy. Fairown’s subscription service is awarded by leading financial experts at Asset Finance Connect.

We are not a crypto company, we are a traditional financial institution that understands the complexities and benefits of blockchain and crypto. We are actively working with regulators in a number of jurisdictions to further improve the industry’s regulatory framework. Through a tokenized ecosystem, Coinmetro provides users a friendly gateway, allowing them to get involved in the crypto and wider fintech space with an ease of access not yet seen in the industry. Our goal, above all else, is to make sure that our clients’ overall experience is nothing short of exemplary. Our team’s extensive experience in the finance, retail trading, compliance, IT and legal sectors gives us the perfect platform of knowledge to build upon. We understand the importance of regulatory compliance and this is a primary focus for us at the forefront of all business actions. Stemming from the founding team’s collective background in traditional finance, Coinmetro delivers a user-focused framework that offers mobility between blockchain-based digital assets and traditional markets, combining the three major components of the digital economy: a cryptocurrency exchange, a trading platform and an ICO platform. Join our Discord: https://discord.gg/coinmetro Join our Telegram Group for the latest news: https://t.me/CoinMetro

3Commas is a crypto trading platform for people who want to pursue financial independence. Use our flexible and powerful crypto bots and other trading tools to pursue multiple trading strategies that will improve your chances of finding success no matter what the market conditions are. 3Commas trading tools include: - Smart Bot - algorithmic bot that adapts to changing market conditions. - DCA Bot - flexible bot that uses a variety of signals (deal-start triggers) and strategy options to trade long, short, or even futures! - Grid Bot - When a coin is stuck moving sideways (bouncing up and down between predictable support and resistance lines), Grid Bot can make profitable deals - HODL Bot - This bot automatically buys coins at intervals you choose to build long positions on assets like BTC, ETH, and other established tokens. - Smart Trade - Set up easy one-off trades with options like Trailing Buy that exchanges don't offer. Visit https://3Commas.io to start your trading journey!

zondacrypto is one of the largest digital asset investment platforms in Europe with over 1 million users. The company was established in 2014 and it is regulated by the Estonian Financial Intelligence Unit (FIU). The zondacrypto exchange has a policy against money laundering and terrorism financing and ensures the safety and security of the deposits and trading via the platform by applying strict AML and KYC procedures. Users can make transactions in over 50 coins and tokens in pairs with traditional currencies (EUR, GBP and PLN), stablecoins (USDT and USDC), and BTC and ETH. zondacrypto is continually developing and expanding its business, which has resulted in the creation of such products as zondacrypto FIAT Exchange and zondacrypto Pay. zondacrypto is on a mission to democratize the access to cryptocurrency. The company’s ambition is to develop simple intuitive tools, the education programmes, and the regulatory framework, that will help its customers to trade and spend confidently from a position of strength. To know more about investments in digital assets, please visit https://zondacrypto.com.

Universal Crypto Solution. We provide a wide range of cryptocurrency and fiat payment services for personal clients worldwide. Our mission is to provide high quality instant cryptocurrency exchange services for individual clients as well as the best tools to handle your payments. Secure, manage, and exchange your cryptocurrency with the bank-grade security.

ioBanker is introducing the most reliable digital reserves banking features inherited from the ancient concept of “full reserve banking” thanks to blockchain and fintech technologies. ioBanker is operating multiple platforms interfacing to multiple blockchains to facilitate trustless digital reserves services. ioBanker provides Blockchain technological tools such as an analytics and digital assets trading terminal, data services, and news to individuals, financial companies and organizations through ioBanker terminals and associated pages on ioBanker's official website. ioBanker is changing the way people used to save their reserves online with the concept of full reserve banking on the blockchain or (100% reserve banking). You are being your own bank as an iobanker. ioBanker is the bridge between digital currencies and electronic money institutions. We've designed ioBanker terminal and Blockchain tools to satisfy the worldwide digital generation of digital era bankers. We have regulated channels between fiat and crypto digital currencies. We've partnered with worldwide financial institutions to provide financial services and digital reserves exchange features. ioBanker combines a blockchain platform with fintech providers, banks and e-money institutions to offer financial services to a global market. ioBanker empowers innovation in global digital financial services through a platform built on blockchain where app developers and fintech partners can leverage ioBanker reach through licensed relationships with banks and financial services partners around the world. Built on a core of proprietary technologies, ioBanker embraces a future where people and businesses around the world have access to safest, transparent, fair, logical and affordable financial services. ioBanker terminals and self-hosted platforms are interfacing with decentralized Blockchain, the terminal account's are created at the blockchain directly through open source browser based terminal with

Reinvest24 is an international real estate investment platform based in Europe. We have democratised real estate investments, which up until now have had huge entry barriers, requiring large amounts of capital and market insight. With Reinvest24, anyone can invest in real estate from as little as 100 euros and start enjoying passive income immediately with high returns. Our portfolio includes a mix of commercial and residential properties with great yields. Our professional team of finance, real estate and tech experts have over 10 years of combined experience, taking care of all the market research, property management and legal work. The Reinvest24 vision is to make real estate investments accessible and available to everyone on an open platform. And our mission is to turn Reinvest24 into the leading real estate investment platform in Europe. We have managed over 10 million euros in investments over the years, coming from various real estate projects financed by our many investors. Our transparent platform allows people to invest securely, cash out any time or keep reinvesting to diversify their portfolios. Reinvest24 is constantly searching for new and exciting real estate projects to secure the perfect opportunities for our investors around the world. Discover our investment projects https://www.reinvest24.com

Crowdestate is a crowdfunding marketplace that offers high-quality, pre-vetted real estate and mortgage loan investment opportunities. Our relationships with experienced real estate developers give us access to a large number of off-market real estate investments. Only the best opportunities surviving in our rigorous due diligence process are published for investing. Extensive background information, business plans, and financial models, combined with a low 100 euro minimum investment, make investing quick and easy. Besides the low minimum investment amount, our investors benefit from using ... the secondary market for selling and buying investments. ... Autoinvest feature, which will invest for them in the projects they desire. ... setting up multiple investment accounts for private and/or business use. ... investing in the platform without fees. Crowdestate is changing the way we invest in real estate, so join us today and turn your savings into income!

Intus Hoiu-Laenuühistu (hereinafter Intus Savings and Loan Association or Intus S&L) is a commercial association established in 2014 that specializes in fixed term deposits and credit limit loans. The Association is mutually held, meaning both depositors and borrowers are members with equal voting rights, and have the ability to direct the financial and managerial goals of Intus. We believe there are many reasons customers choose to join us. Our Savings and Loan products offer competitive interest rates and our team is made by people who you can trust to handle all of your financial needs. We are proud to be part of our community and to participate in the financial growth and prosperity of our members, and we are eager to deliver outstanding service, competitive savings yields, low loan rates, and many low-cost services.

Our goal is to provide seamless cryptocurrency payment solutions that integrate smoothly with traditional economy. How Do We Help Businesses Grow: Global Expansion: Easily expand your business worldwide by leveraging the borderless nature of crypto payments. Cost Reduction: We eliminate the burden of one-time setup or service fees, and offer commissions as low as 0.8%. Rapid Transactions: Our system ensures that you receive payments within minutes, anytime. Enhanced Compliance: We employ advanced anti money laundering protocols to protect you from dirty transactions. Currency Flexibility: Harness full benefits of cryptocurrency while dealing with FIAT. Receive FIAT settlements directly to your bank account in your preferred currency. We're on a mission to bring joy and simplicity to the world of crypto payments. Join us in embracing the future of finance!

Priority Prospect is the leading cloud IP address provider that offers IP address services to agencies and companies of any size. Our innovative cloud platform provides incredible scalability, security, flexibility, and customizability on demand.

Welcome to AML Certification Centre, your trusted partner for professional development and compliance in the financial sector. Why Choose Us? We are proud to be the first and only institution to offer specialised AML/CTF+ online training tailored to various industries and jurisdictions. Our programs are meticulously designed to meet the evolving needs of financial professionals worldwide, ensuring they stay at the forefront of regulatory compliance and best practices. Our training programmes are developed by a team of compliance professionals, each an expert in their respective field. We use a targeted approach to select educators who are not only specialists in specific business areas but also have extensive AML/CTF+ experience across different countries. Thanks to our official CPD accreditation (https://directory.cpdstandards.com/providers/aml-certification-centre/), participants in our AML/CTF+ training programmes can be confident in the quality and relevance of their education. This accreditation is a clear indication of our commitment to elevating the standards of professional development in the financial sector. Whether you aim to enhance your team's skills or ensure your operations comply with the latest regulations, AML Certification Centre is here to support your pursuit of professional excellence and compliance. Begin your journey to becoming an AML/CTF+ certified professional today and make your mark in the competitive finance industry.

Licensed and Regulated Crypto Exchange Service for Corporate and Individual Clients. We believe that digital currency has great value to people and offer our platform as a convenient tool for cryptocurrency exchange. Our service is focused on the ultimate user experience that makes the process clear and simple. Cratos exchange was designed to make cryptocurrency trading enjoyable. Cratos is both fast and secure, which makes it stand out among other cryptocurrency trading platforms.

Striga (formerly Lastbit) provides financial services infrastructure for companies in the crypto, banking & issuing space. Traditionally the cost & time associated with launching a FinTech solution whether it is a neo-bank, a business banking product or a platform has been absurdly high and complex. This is compounded 10x if you are a company that has an element of crypto in your business. We're tearing down the walls and helping businesses get their application built on the Striga platform, approved and live in as fast as a single week with near-zero fees and hassle. The unique advantage here is the settlements infrastructure under the hood built on Bitcoin. This enables to think global from day one and enabling multi-currency accounts or multi-currency card products in different geographies can be achieved with a single button click and zero setup time and compliance hassle. The Striga platform is a product that evolved as a cumulative effort of the Lastbit line of products launched operated throughout 2019 and 2020, which was the first ever physical instant Bitcoin powered debit MasterCard on the planet. With increasing demand for the platform powering the Lastbit applications, Striga aims to solve this problem for the hottest new FinTechs that wish to embed crypto-banking into their applications.

Designed for frictionless commerce! We offer payment and purchase financing services according to the needs and wishes of the new tech-savvy generation. Our products are meant to stand out for their vibrant design, engaging user experience and thrilling technology. There are many ways to build and promote financial products - we focus on the feeling our customers are left with after each interaction with us. After all, we are not in the finance business - we are in the people business.

LEI Register is a multinational company founded in Europe's startup capital Tallinn, Estonia. Today, we've helped register Legal Entity Identifiers (LEIs) for 300,000+ businesses in 35 countries, making us the go-to choice for every fifth LEI worldwide. Since starting in 2018, we've established ourselves as an industry leader. Our commitment to innovation is reflected in products like Multiyear plans, which quickly set new industry standards.

Topos is a fintech infrastructure platform that transforms cross-border support into productive financial assets. By linking remittances and diaspora pledges to local credit, Topos enables affordable lending, deeper financial inclusion, and new pathways for economic growth in frontier markets. Every year, families and communities move trillions of dollars across borders through remittances and informal support networks. These flows represent trust and resilience, but rarely build long-term credit history or access to formal finance. Topos changes that. Our platform provides the technology and compliance rails for local financial institutions to originate loans that are backed by remittance flows or diaspora pledges. Borrowers gain access to credit in their home market; pledgers abroad can provide support securely; and partner institutions gain new, low-risk lending opportunities. By bridging trusted community finance with modern digital infrastructure, Topos is building a verifiable financial history for underserved populations, helping them step into the formal economy while giving institutions new ways to lend sustainably.

Income is the first platform to offer simple and secured investments in loans. Easy start with quick investment strategies that enable you to grow your money up to 12% yearly, investing in assets secured by the loan originators' listed loan portfolio. Income offers buyback obligation and "Cashflow Buffer" to protect investors in case all the risks identified materialize. Register now at getincome.com and start building your wealth today!

Wallester is a fintech company founded in 2016 by Dmitri Logvinenko and Sergei Astafjev. It specializes in card issuance, processing, and payment transaction solutions.

In 2017 acquired the status of licensed payment service provider from the Estonian Finance Inspection

 Since 2018, Wallester got a lot of awards and has been a Visa FinTech Fast Track Member and a Visa Principal Member, issuing branded physical and virtual cards.

A product called Wallester Business provides customers with free corporate cards and personalized restrictions. 

For both sophisticated and beginner investors, who aim to diversify their portfolio and minimise the risk, EVOestate.com provides one-click access to European P2P real estate platforms deals and allows to invest, compare and manage their investments across different European markets all at one place.

Ignium enables the issuance of tokens, raising of money and funding of businesses. Our proprietary infrastructure is designed to provide the easiest, most reliable and affordable real-time settlement of digital securities across all borders.

Mifundo is a pan-European cross-border platform, connecting people with banks regardless of their location. Our AI will find the credit offers based on client data and will find the best loan terms from banks over the Europe Our service is novel and game changer - no longer lending has borders but now the customer can choose the bank between different options from different countries.

Wert offers a built-in module that allows seamless fiat-to-crypto conversion inside partners' websites and apps. By installing our solution crypto projects without gateways don't need to adapt to ever-changing regulatory landscape and focus on innovation instead. We love turning complex compliance requirements into ease of use through technology and smart design. As a result, companies don't disrupt user experience and increase customer loyalty. We aim to transform industry competition and let newcomers race with big players by providing them with a revenue stream.

BRICKFY The alternative investment marketplace At Brickfy we want to facilitate access to the alternative investment market (loans, crowdlending, equity crowdfunding, tokenised assets and NFTs), making the investment process as simple, safe, profitable and efficient as possible, while offering our users the best investment experience. BRICKFY #buildYourFinancialFuture #alternativeInvestments #digitalAssets Brick and Mortar Digital Assets, OÜ Registy Code: 14756307 Männimäe/1, Pudisoo küla Harju maakond, 74626, Estonia Company authorized as a Financial Institution by the Estonian Financial Intelligence Unit. Operating Licence: FFA000353 https://mtr.mkm.ee/taotluse_tulemus/517982

Founded in October 2013, Cryptopay is a safe digital platform that has connected traditional and digital finance in one place. Cryptopay allows managing your assets in a simple, user-friendly interface regardless of what type they are.

OK Incure provides debt collection solutions for banks and institutional vendors - we are leaders in purchasing NPL portfolios, third party B2B and B2C debt collection. Our vendors and business partners can rely on our solid industry experience, and trust that we aim for best practice in all our activities. Our main task is to provide account receivables management, including debt collection and going legal within the Republic of Estonia. OK Incure offers a wide scope of debt collection methods. Regardless of method, the most important principles are compliance with ethical and moral standards, protection of our partners' and vendors' reputation, and respect of debtor rights. OK Incure OÜ team has experience in Estonian debt-collection market since 1997. Through TCM Group network we can help you to recover debts in more than 135 countries abroad, recovery services on a ‘No Win, No Fee’ basis. We are one of the leading debt collection providers in Estonia as a transmitter and mediator of national and international claims. OK Incure is the subsidiary of the Finnish debt collection company OK Perintä Oy. OK Incure OÜ and OK Perintä Oy are both part of B2 Impact. Leave the expensive, time-consuming and unpleasant negotiations with debtors to our experienced staff! We offer several options to clients, based on individual circumstances, rather than a one-size-fits-all. We encourage you to contact us to discuss your individual circumstances. If you have any questions you are welcome to visit our website www.okincure.ee. We accept all LinkedIn connection requests.

Scramble is an investing company for busy professionals who can safely and easily earn money by investing in fast-growing innovative consumer goods brands.

MONESTRO, the Baltic peer-to-peer (P2P) lending marketplace, has relaunched with a very seasoned team and a brand-new website, enabling investors to fund loans or buy loan contracts provided by loan originators. We are excited to relaunch our P2P lending platform with the added investor protection of only working with solid loan originators and having more stringent risk assessments, all backed up with Voluntary Reserve and BuyBack Guarantees. At MONESTRO, investors receive higher-quality, more secure and lower-risk loan investment opportunities. Rather than very-high returns, they receive a more stable alternative investment vehicle. Check out our relaunched platform at https://monestro.com. And start investing today!

We are on a mission to provide a better financing experience to small businesses. Check out https://www.hoovi.ee for more.

Swaps.app is a globally operating innovative and reliable crypto company helping e-commerce websites and online businesses accept crypto payments or sell crypto quickly with smart and secure crypto payment processing solutions.

Maksekeskus is the market leader in e-commerce payment solutions in the Baltics. We offer the most comprehensive suit of payment solutions (including bank links, payment initiation service, card payments, pay later) as well as highly valuable additional services like delivery integrations, donations, free refunds and more. Our services can be integrated with most popular e-commerce platforms such as WooCommerce, Shopify, Magento, PrestaShop, Voog, Mozello, etc. Custom integrations available via API. Contact us for quote or if you have any questions.

Our mission is to empower European businesses of the real sector with our financial products – Guarantees & Commitments. We do this through our LeormFinance solution, - a partnership of managing company Leorm, OÜ, an Estonian non-banking financial institution, and a trading point for the products in Romania, managed by Capidava Financial Broker Services, SRL. We are at your disposal to find a tailor-made solution should you need a Bid guarantee, an Advance payment guarantee, a Performance guarantee, a Maintenance guarantee, or a Payment guarantee for your business, based in the European Union. Learn more about LeormFinance financial products on our website.

We're building a sustainable investing platform for people who care about their impact. Join now: http://grunfin.com

At Xolo, our mission is to make starting and running a modern microbusiness 10 times easier. Xolopreneurs can save up to 162 working hours a year on business administration so they can focus on running an awesome one-person business. Xolo saves you time and money by making the hard parts of business like banking, accounting, and tax easy. We help you manage your independent business from anywhere and free you from the costs and confusion of running a traditional business so you can go faster and further. You get all you need to run your business remotely - from day one. Our all-in-one service gives you all the tools to do business and get paid, without all the usual effort required. Starting your business with Xolo won’t take much time. And you won’t need a stack of paperwork. Our streamlined sign-up and business registration make things as easy as possible. Our dashboard brings accounting and banking together so you can access it anywhere, receive money into your Xolo account, and make payments from the same account. You also spend less time on your company finances as annual reports are written for you and our in-house AI keeps your accounting in order. Our accounting team are so good, you’ll even think they’re magic.

Recovereo is a digital-first debt recovery agency that redefines how businesses handle unpaid invoices. Founded in Tallinn, Estonia—a global hub for innovation and home to Europe’s highest number of unicorns per capita—Recovereo combines advanced technology with a customer-centric approach to make debt recovery seamless, efficient, and risk-free. Recovereo offers a fully digital platform where businesses can register for free, upload unpaid invoices, provide client details, and attach necessary documents. From there, Recovereo takes over, managing the entire recovery process. This includes amicable settlement notices within 8 days and, if needed, judicial actions such as bank account, salary, or asset seizures. What sets Recovereo apart is its "No Win, No Fee" policy: clients pay only upon successful recovery, with a transparent 15% commission on the recovered amount. With a remarkable 92% recovery success rate, Recovereo ensures businesses can protect their cash flow with confidence. Operating internationally in Europe, the U.S., Canada, Brazil, and Australia, Recovereo makes global debt recovery straightforward, empowering businesses of all sizes to resolve financial challenges and focus on growth.