365.fintech is a venture capital firm headquartered in Bratislava, Slovakia, that specializes in early-stage investments in innovative B2B and B2B2C fintech, insurtech, and big data startups primarily across Central and Eastern Europe (CEE), the Baltics, and Europe broadly, with global ambitions. Their mission is to finance and support startups that leverage data-driven technologies and APIs to transform financial services and insurance sectors. They combine capital with operational support and a strong network to help portfolio companies scale in competitive markets[1][2][4].
Founded in 2018, 365.fintech focuses on pre-seed and seed rounds, investing typically between €50K and €500K. The firm emphasizes an operator-led, collaborative investment philosophy, partnering closely with founders to accelerate growth and innovation. Their portfolio includes startups that build API-first infrastructure and fintech solutions aimed at improving efficiency, transparency, and customer experience in financial services. By fostering a unique live testing environment, they enable startups to validate and refine their products in real-world conditions, enhancing their market readiness[1][2][3].
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Origin Story
365.fintech was established in 2018 in Bratislava by a team of experienced investors and fintech operators with deep knowledge of the European fintech ecosystem. The founding partners brought expertise in early-stage venture investing and operational scaling, aiming to fill a gap in the CEE region for specialized fintech venture capital. Since inception, the firm has evolved from a regional investor to a pan-European platform with a focus on startups that combine fintech, insurtech, and big data technologies. Their growth has been marked by over 30 completed deals and several successful exits, including acquisitions and IPOs, underscoring their ability to identify and nurture high-potential startups[1][2][3].
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Core Differentiators
- Unique Investment Model: Focus on early-stage (pre-seed and seed) fintech, insurtech, and big data startups with a strong emphasis on API-first and infrastructure solutions.
- Live Testing Environment: Provides startups with a real-world environment to test and validate products, accelerating product-market fit.
- Network Strength: Deep connections across CEE, Baltics, and broader European fintech ecosystems, facilitating partnerships, customer acquisition, and follow-on funding.
- Operator-Led Support: Collaborative approach with hands-on mentorship from experienced fintech operators and investors.
- Track Record: Over 30 deals completed with notable exits, demonstrating successful identification and scaling of innovative startups.
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Role in the Broader Tech Landscape
365.fintech rides the wave of digital transformation in financial services, driven by increasing demand for data-driven, API-first fintech and insurtech solutions. The timing is favorable due to regulatory changes (e.g., PSD2 in Europe), growing adoption of digital financial products, and the rise of embedded finance. Their focus on CEE and Baltics taps into a rapidly maturing fintech ecosystem with strong technical talent and increasing investor interest. By supporting startups that leverage big data and APIs, 365.fintech helps accelerate innovation and competition in financial services, contributing to a more efficient, transparent, and customer-centric industry[1][4].
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Quick Take & Future Outlook
Looking ahead, 365.fintech is well-positioned to capitalize on the continued expansion of fintech and insurtech markets in Europe and beyond. Trends such as embedded finance, AI-driven risk assessment, and blockchain integration will likely shape their investment focus. Their unique live testing environment and operator-led approach will remain key competitive advantages, enabling portfolio companies to scale faster and more effectively. As the fintech ecosystem in CEE and Europe matures, 365.fintech’s influence as a catalyst for innovation and growth is expected to deepen, potentially expanding their geographic reach and investment stages.
This trajectory aligns with their mission to empower data-driven startups to transform financial services globally, reinforcing their role as a pivotal player in the fintech venture capital landscape[1][2][4].
