Tot is a technology company.
Tot has raised $8.0M across 1 funding round.
Tot has raised $8.0M in total across 1 funding round.
Tot has raised $8.0M in total across 1 funding round.
Tot's investors include 20VC, Blockchain Coinvestors AngelList Syndicate, Buckley Ventures, CDP Venture Capital, Goat Capital, Seven Seven Six, Emanuel Pleitez, Josh Elman, Tony Xu.
Tot is a fintech company offering an end-to-end financial management platform for small businesses, primarily in Italy, featuring a versatile business card and integration with local tax services.[2] It serves over 1,700 monthly customers by providing seamless tools for expense tracking, payments, invoicing, and reconciliation, solving pain points in financial operations like manual processes and fragmented tools.[2] The platform emphasizes intuitiveness, collaboration, and innovation, such as a dual-mode (debit/credit) card compatible with major wallets, real-time controls, and upcoming Apple Pay support, driving growth through user adoption and efficiency gains.[2]
Tot emerged to modernize financial management for businesses, with its company profile dated March 2023 highlighting a focus on Italian small companies via integration with the "Tax Box" service for tax info and documents.[2] Specific founding details like founders or exact year are not detailed in available sources, but the platform positions itself as a response to outdated financial tools, gaining early traction with 1,700+ monthly users by enabling automated invoice handling and payments.[2] Pivotal moments include launching the Tot card, noted as Europe's most innovative for its versatility, security (e.g., 3D-Secure, chargebacks), and green credentials (recycled PVC).[2]
Tot stands out in fintech through targeted features for small business finance:
Tot rides the fintech wave of embedded finance and digital transformation for SMEs, particularly in Europe where regulatory tools like Italy's Tax Box create timely opportunities for integrated platforms.[2] Market forces favoring it include rising demand for contactless payments post-pandemic, small business digitization, and competition from fragmented banking apps—Tot consolidates these into one "click-away" solution.[2] It influences the ecosystem by pushing innovation in business cards (e.g., dual-mode tech) and local tax-tech fusion, potentially expanding to other EU markets with similar fiscal digital services and shaping SME financial autonomy.
Tot is poised for expansion with upcoming features like Apple Pay and broader reconciliations, capitalizing on its 1,700+ user base to scale in Italy and beyond.[2] Trends like AI-driven finance automation and green fintech will shape its path, while EU open banking rules could amplify its platform. Its influence may evolve from niche Italian disruptor to pan-European SME staple, redefining accessible finance much like its mission promises—making complex management effortlessly collaborative.
Tot has raised $8.0M across 1 funding round. Most recently, it raised $8.0M Seed in September 2025.
| Date | Round | Lead Investors | Other Investors |
|---|---|---|---|
| Sep 1, 2025 | $8.0M Seed | 20VC, Blockchain Coinvestors AngelList Syndicate, Buckley Ventures, CDP Venture Capital, Goat Capital, Seven Seven Six, Emanuel Pleitez, Josh Elman, Tony Xu |