Portuguese Fintech Guide 2020 2021 Ver. 01

PORTUGUESE
FINTECH
GUIDE
2020/2021
Ver. 1.0
©2015/2021 ftp fintech . partners powering #fintechPortugal since 2015

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03 welcome
Portuguese fintech guide
05 once upon a time
from #fintechPortugal to ftp fintech.partners
07 why, how and what
people don´t buy what you do, they buy Why you do it
09 what are you building
from dream to reality
09 partnerships
banks vs fintech relationships
09 digital and innovation
in banking and financial services
15 talks and workshops
learning and sharing
17 Porto
welcome to Portugal
20 give first
give before you get
23 radar
Portuguese fintech radar
25 Portuguese guide
Portuguese fintech guide
27 international guide
international fintechs in Portugal

welcome
portuguese fintech guide
Welcome to the 1st version, 2020/ 2021 of the Portuguese Fintech Guide.
At the end of this difficult year of 2020, we are launching this guide with positive expectations regarding
2021.
Since our first launch in 2017 many things happened to the Portuguese fintech ecosystem. Open
Banking and PSD2 gave a big push and many startups appeared, and some disappeared. Many were
bought by international players, and these same players start noticing that good things were
happening in this sunny rectangle in the southwest of Europe, half way between US, UK, Asia and Africa.
For the first time we launched the Portuguese Fintech Radar, with more than 160 fintech players,
organized by category. An easy and fast glimpse of the Portuguese fintech ecosystem that can be
shared all around.
This guide is launched simultaneously with our new website at www.fintech.pt
It was redesign with focus on easy access to information that matters to help the ecosystem growth
either with Portuguese startups, either with foreign startups that want to come and enjoy Portugal. We
hope you enjoy it, and we want you to get in touch, remember our #givefirst motto.
This last COVID year also gave us the chance to look inside ourselves and rearrange our business,
focusing and simplifying our business model. We went to look for our Why?
Why we do what we do? And we found our main focus.
Do you know your Why?
Let’s make 2021 a year of great partnerships, we count on you.
AUGUSTO SANTOS
partner ftp fintech . partners, 2019-
founder #fintechportugal, 2015-
publisher of the Portuguese fintech guide since 2017

Don’t follow your passion. What you take out of the
world... is much less important than what you put into
the world. Follow your contribution instead. Find the
thing you’re great at, put that into the world, contribute
to others, help the world be better.
- Ben Horowitz

once upon a time
from #fintechPortugal to ftp fintech.partners
2 0 1 5
The #fintechPortugal project started in 2015. The first idea was to create an association, but we would like to be
more one-2-one, less political and more practical project, we didn’t want to be limited to the usual limited partners of an
association, we wanted to be more global, and our ecosystem was very small. So, we decided to move on as a consulting
company.
Using social networks like Facebook, Linkedin, Twitter, Youtube and Instagram, we have been promoting
#fintechPortugal and Portuguese fintech startups to the world and to international investors and fintech ecosystems.
We have also been using our social media pages to share news and opinion articles from the diverse ecosystems
around the world. We try to give, what we think is, valuable information for our fintech founders, information such as: use
cases, trends, events, and whatever we think can help to develop our ecosystem.
2 0 1 7
In 2017 we started publishing The Portuguese Fintech Guide, and since then we have been searching the
Portuguese ecosystem for new fintech companies and for new projects in the fintech area.
During this period many companies have appeared and many others have disappeared, as in any ecosystem; it’s
moving, and that’s good. Founders have success, and founders fail, and they move on, applying the knowledge they earn,
in new projects. Since 2017 the Portuguese Fintech Landscape Guide, and the Portuguese Fintech Map have been
downloaded thousands of times, from people all around the world.
2 0 1 9
Partnering with several entities that can help empower Portuguese ecosystem is one of our main goals.

You can find more information about this startups on the WHAT ARE YOU BUILDING -
CORPORATE INNOVATION LAB chapter on this guide.
In 2019 we partnered with HubIn and the Spanish Accelerator ABanca Innova to develop the first Portuguese
Edition of their accelerator program.
We participated in 2019 with 4 startups, with 2 Portuguese fintech startups winning the chance to have the POC
within ABanca and we have 2 other startups currently running in the 2020 batch.
Since 2015 we have been working under the brand #fintechPortugal, and we will continue to do so through social
media, promoting our work and distributing news for Portuguese fintech founders. Beginning in 2020 our consulting
services are being developed through the FTP fintech.partners brand.
2 0 2 0
In 2020 we have launched this Portuguese Fintech Guide on a new format, and also the first Portuguese Fintech
Radar. The radar is a easy to use and see the global ecosystem in a glipse. We invite you to share it to your network.
While the mission of #fintechPortugal is “Connecting Globally, Acting Locally” with FTP fintech.partners we have
the mission to empower the partnership and we adopted the African proverb “If You Want To Go Fast, Go Alone. If You
Want To Go Far, Go Together.”
There are many dimensions to the power of partnerships. We do believe that it’s the best way to grow, particularly
in a small country like Portugal. Since the appearence of the first fintechs, this duality of banks and fintechs, was mainly
attributed to rivalry. Fintechs wanted to replace banks and banks saw fintechs as a menace. Recently both have realized
that the partnership model is the best business model for both entities.
Partnerships are a win-win combination, when both parties have common goals and complement each other. But
there is much more to talk about partnerships for both entities…

why, how and what
people don´t buy what you do, they buy Why you do it
w h y we do it
• to empower Portuguese fintech ecosystem, to make Portugal and Porto a recognized fintech hub.
h o w we do it
• promote bank x fintech partnerships;
• promote the birth of fintechs in universities;
• help Portuguese fintechs in every stage, from creation to internationalization;
• promote innovation in financial services;
• introduce blockchain and cryptocurrencies;
• promote Portugal and Porto as an european fintech hub.
w h a t we do
• consulting services to financial services and fintechs;
• partnering with national and international stakeholders;
• give talks and workshops for the global ecosystem;
• promote events;
• help fintechs to get investment.

Every step of the way, to everyone around us, we should
be asking the question; What are you building? What are
you building directly, or helping other people to build, or
teaching other people to build, or taking care of people
who are building? If the work you’re doing isn’t either
leading to something being built or taking care of people
directly, we’ve failed you, and we need to get you into a
position, an occupation, a career where you can
contribute to building.
- Marc Andreessen

talk #1 who wants to work in a bank?
Check out more information in the TALKS AND WORKSHOPS chapter on this guide.
what are you building
from dream to reality
l e t ´ s b u i l d
Are you ready to take make your side hustle your main hustle? Or maybe you’ve got an idea -- you just don’t quite
have the details fleshed out. You may be considering an incubator or accelerator to help you get started.
But what’s the difference? And which one is right for you?
You are from finance and don´t know how to code? You know how to code but don´t know a thing about finance
and regulation? Let´s meet and we will give you our input. Let´s build something. If you want to be part of the ecosystem
you can organize our exclusive talk in your university.
• i n c u b a t o r s
Incubators are looking to foster and support local startups and the local ecosystem. As such, they are
focused on driving innovation and finding ideas. They “incubate” ideas to devise a business model. Incubators
are not designed for growth and scale. They nurture and mentor entrepreneurs over time to help them create
a startup.
In Portugal you can find various general incubators and some specific for fintech startups. We can also
connect you with the best incubators in other international hubs. Where do you want to go?
• a c c e l e r a t o r s
Accelerators, also known as Seed accelerators, are focused on accelerating the growth of existing startups.
Particularly, those that have already demonstrated some growth. Accelerator programs are designed to
leverage startups existing business model.
Accelerators are cohort-based programs tailored for early-stage startups and have a rigorous application
process. Participants apply to the program, which, typically, has a limited number of slots. Top applicants are
then selected to join the program. Selection is based, mostly, on scalability potential, investment interest and
capacity to grow quickly.

Fostering internationalisation of start-ups is not what business accelerators were first developed for.
However, acceleration programmes and internationalisation of start-ups are quite often closely linked. The
rationale for this is that fast-growing start-ups need to address simultaneously and very early on, the issues
of growth and internationalisation:
• i n t e r n a t i o n a l i z e
A key principle when creating new companies nowadays is to think global. If you’re considering expanding
your startup to new, international markets, you’ll need to juggle a lot of decisions, including timing, market
choices, and budgeting.
Going international too late is perhaps the most common mistake companies make. To be fair, it’s not
always a mistake: Some companies never want to be international and prefer being a local success, even if
that means lower long-term growth.
Since 2015 we have been developing our foreign network to help Portuguese fintechs run the extra mile.
i n n o v a t i o n h u b a n d s a n d b o x e s
In recent years competent authorities have adopted various initiatives to facilitate financial innovation. These
initiatives include the establishment of ‘innovation facilitators’.
Innovation facilitators typically take the form of ‘innovation hubs’ and ‘regulatory sandboxes’:
• Innovation hubs provide a dedicated point of contact for firms to raise enquiries with competent
authorities on FinTech-related issues and to seek non-binding guidance on regulatory and supervisory
expectations, including licensing requirements;
• Regulatory sandboxes, on the other hand, are schemes to enable firms to test, pursuant to a specific
testing plan agreed and monitored by a dedicated function of the competent authority, innovative
financial products, financial services or business models.
In Portugal we have a fintech innovation hub where the Portuguese regulators help the startups with what
concerns to legal and regulatory issues. Portuguese government and regulators are in talks to create a regulatory sandbox.
c o r p o r a t e i n n o v a t i o n l a b
Innovation labs are business units that employ the methods of agile startups, with the goal of devising novel ideas
that can either disrupt or complement the overall company. Innovation labs function in many different ways. They can
operate completely separately from the parent company, or be set up internally and staffed with existing employees. They
can also refer to programs set up for internal employees to ideate. Some are third parties that partner with companies who
want to be strategically connected to startups or want to host programs for employees.

If you want specific information to create or bring your startup to Portugal,
check out more infornation in the PORTO chapter on this guide.
We are currently promoting Abanca Innova Program between Portugal and Spain. Since 2019 we have
presented more then 30 startups to the first stage of the programe and 6 have passed to the following
stage.
ABANCA Innova is a vertical program for startups that offers participating projects a support package
designed to provide management knowledge, resources and materials to grow your Startup. In addition,
among the startups selected for the program, the most interesting for the entity will be chosen for
development and financing, when appropriate, of a proof of concept at ABANCA.
This are the Portuguese satrtups that participated in the last 2 years
We can create and manage your internal innovation program.
w e l c o m e t o P o r t u g a l
Portugal is a great place to build.
2 0 2 0 2 0 1 9
4th edition / 2nd in Portugal 3rd edition / 1st in Portugal

By partnering with fintech startups, banks will give their
account holders the right measure of security and speed.
Account holders can know that their money is safe, and
they can enjoy the latest financial technology. This is the
way to became a digital bank.
- Chris Skinner

talk #2 banks and fintechs partnerships
partnerships
banks vs fintech relationships
With fintechs and banks, co-opetition almost seems like the obvious solution, since the fintech companies have
the technologically savvy, financially smarter, and userfriendly solutions, while the banks have access to critical masses and
large-scale infrastructures to scale solutions. Either you are a Fintech or a Bank, contact us for more information on a world
of the best practices that create great value.
To say that the banking industry is reluctant to change is an understatement at best; the industry has been
shrouded in mystery for decades, with banks doing their best to keep clients in the dark. All of this changed though with
the 2008 recession and the rising popularity of the FinTech industry that came to transform the banking world by digitizing
it, increasing transparency, and make it more user-friendly.
To the dismay of many banks, the FinTech industry succeeded in doing what it set out to do – disrupting the
financial industry. In fact, FinTech companies succeeded so well that a recent report by PwC determined that the banking
institutions can expect to lose over 24% of their revenue to FinTech companies within the next 3-5 years.
Not eager to accept a drastic decline in revenue and risk layoffs and restructuring, more and more financial
institutions have turned to FinTech companies in order to collaborate on new technologies. So much so that 82% of the
executives polled by PwC reported that they expect to work with FinTech startups in the future in order to improve their
digital capabilities and retain their competitive edge.
With FinTechs and banks, co-opetition almost seems like the obvious solution, since the FinTech companies have
the technologically savvy, financially smarter, and userfriendly solutions, while the banks have access to critical masses and
large-scale infrastructures to scale solutions.
We have developed a specific talk about the relation between banks and fintechs. This talk can be held in your
company, bank or institution. This is a great starting point to the range of consulting services we can offer to financial
institutions.

Technological innovations will be the heart and blood of
the banking industry for many years to come and if big
banks do not make the most of it, the new players from
Fin-Tech and large technology companies surely will.
- David Brear

talk #3 innovation in financial services
digital and innovation
in banking and financial services
Banks face crucial decisions as technology shifts customer expectations and changes the regulatory landscape.
The financial industry is already caught up in an intense, inevitable process of transformation, and the driving
forces behind it - technological progress and the social changes it is bringing about - are equally intense and inevitable.
We can help your business evolve to meet the challenges of the new digital era and emerge from disruption as a banking
leader.
But digital initiatives isolated here and there across an organization won’t be enough to succeed. Your digital
strategy and your business strategy must be one and the same.
You also need to successfully collaborate with an ecosystem of industry partners and FinTech providers.
If you want more information on innovation in financial services theres a talk than can be done in your company,
bank or institution. This is a great starting point to the range of consulting services we can offer to financial institutions.

The speed of the Internet provides a fundamentally
different perspective on how business relationships
occur... The approach relies on collaboration, not on
competition... on sharing information, and
understanding what we as businesses do best.
- Michael Dell

talks and workshops
learning and sharing
Attending professional conferences, summits, workshops and seminars have positive impacts on business
professionals. They offer an opportunity to develop new professional relationships, meet new friends, gain knowledge and
become more successful in your career. We run several Talks and workshops related to fintech and blockchain.
You can read detailed information below or contact us for more information.
t a l k s
#1 who wants to work in a bank?
This is as exclusive talk to be held in universities. We cover the subjects of fintech, trends, case studies and some
various related themes. The objective of this talk is to connect the worlds of finance and technology that are born in the
universities and create the ideal conditions to promote new fintech startups. Our programme can be delivered on campus,
virtually or in person at your school or college.
#2 banks and fintechs partnerships
Fintech firms, once perceived as disruptors of the traditional banking industry, are now increasingly seen as
attractive partners for established financial institutions. Partnership arrangements between banks and new financial
technology startups have therefore mushroomed over the last several years. Such partnership agreements, which come in
different forms and contexts, are usually advantageous for both sides.
This talk covers several case studies and experiences of partnerships all over the world.
#3 innovation in financial services
The banking industry is evolving, and financial institutions are under pressure to adapt to remain competitive.
Innovation has perhaps never been so important as it is now. But for many banks, the challenge of innovating within the
constraints of existing legacy infrastructures makes innovation difficult. So how can these banks innovate to stay in the
game?
This talk covers several case studies and experiences of innovation in financial services all over the world.

#4 blockchain in financial services
Cryptocurrencies and their underlying blockchain technology are being touted as the next-big-thing after the
creation of the internet. One area where these technologies are likely to have a major impact is the financial sector. The
blockchain, as a form of distributed ledger technology (DLT), has the potential to transform well-established financial
institutions and bring lower costs, faster execution of transactions, improved transparency, auditability of operations, and
other benefits. Cryptocurrencies hold the promise of a new native digital asset class without a central authority. So what
do these technological developments mean for the various players in the sector and end users?
More Talks available on demand.

w o r k s h o p s
#41 blockchain and cryptocurrencies
This interactive workshop presents all the main concepts necessary to have a good understanding of blockchain
and cryptocurrencies. The workshops are limited to small groups of a maximum of 5 people. Each workshop is conducted
in a conversational style with time to answer any questions you may have during the course. Its a full day 8h workshop.
Other configurations are possible upon consideration.
w o r k s h o p c o n t e n t
• What are blockchain and cryptocurrencies? How do they work?
• Basic notions of bitcoin and Ethereum. What is the importance of this technologies?
• Practices of using blockchain and cryptocurrencies;
• How to buy and store Bitcoin;
• Wallets & Exchanges;
• Blockchain transactions;
• Security and fraud prevention;
• What are ICOs? How can you benefict from ICOs?

.
Portugal is quickly emerging as a key fintech hub in
Europe, and we’re incredibly proud to be playing our
part in that movement by creating hundreds of new
jobs
- Nik Storonsky, Founder & CEO of Revolut

porto
welcome to Portugal
We want you to come to Portugal and most particulary to Porto. We want to make Porto an european fintech hub
of excelence. Euronext is here, Revolut in here, Natixis is here, do you want to join us? How can we help you? How can you
help us?
why choose Portugal, why choose Porto
• strategic location;
• world class infrastructure and technological services;
• competitive costs;
• qualified workforce;
• favourable business environment;
• european hub in business process outsourcing/shared services centres;
• peaceful and cosmopolitan country and good quality of life.
P o r t u g a l
Along the past years Portugal has been rising in several key indicators amongst the vast listings given by the World
Economic Forum (WEF) or the World Bank (WB). Today, Portugal is considered worldwide the 42th most competitive
country in the world by the World Economic Forum, out of 137 countries.
Geographically, Portugal is located on the Iberian Peninsula being the westernmost country of mainland Europe.
Portugal is the nearest European country to the USA and Canada and is on the same time zone as the UK and Ireland, - 3
hours from São Paulo in Brazil, + 1 hour from Central European Time.
The Country’s capital is Lisbon and the other main cities are Porto, Faro, Coimbra, Funchal (Madeira Islands) and
Ponta Delgada (Azores Islands). Porto is 314km from Lisboa, 03:00 hrs by car, 02:30 hrs by train or 00:55 min by plane.
Some multinational tech companies that have choosen Portugal:

P o r t o
Porto, Portugal’s second largest city, has an area of 45 km2 and is located in northwestern Portugal. The population
within city limits rounds 240.000 inhabitants. Porto Airport is located 11km out of the city centre, and connected to it by
metro. Porto Airport has a strong network flying to London (Gatwick, Stansted and Luton) by British Airways as well by the
most common low cost, as Easyjet or Ryanair, reaching 58 flights per week to this destination in the high season.
Rising from the late 2000s’ economic crisis, Porto has become a hotspot for international investments in recent
years. The city is undergoing a huge touristic and investment boom. Porto was awarded the title of European Best
Destination in 2012, 2014 and 2017 and the inflow of tourists has been growing tremendously. From 2013 to 2016 the
number of jobs created by foreign investors grew by more than 300% in Porto and Northern Portugal, which was the
region with the most foreign investments in Portugal in 2016 and 2017.
f o r e i g n f i n t e c h s i n P o r t o
Many international fintech startups are established in Portugal and many have choosen Porto, here are some of
them:
i n t e r n a t i o n a l P o r t u g u e s e f i n t e c h s i n P o r t o
Portuguese fintech startups are established all over the country. Because of the large concentration of technology
universities in the north of Portugal, several Portuguese fintech startups have their office in Porto. Some are international
like the examples below, and many others have choosen to have their development offices in Porto.
There are many reasons why you should come to Portugal and we would like to talk to you about it.

In order to give before you get, we must adopt a
philosophy of helping others without an expectation of
what we are going to get back. It’s not altruistic - we do
expect to get things in return - but we don’t set up the
relationship to be a transactional one.
- Brad Feld

spread #givefirst
givefirst
give before you get
This is our motto since 2015. But it´s not ours to keep, its ours to spread. And we would like to make it yours.
Brad Feld (@bfeld) is an American entrepreneur and venture capitalist. In a LinkedIn article from 31 December
2012, Brad encouraged everyone to adopt one of his deeply held beliefs, that of “give before you get.” In order to give
before you get, we must adopt a philosophy of helping others without an expectation of what we are going to get back.
It’s not altruistic - we do expect to get things in return - but we don’t set up the relationship to be a transactional one. For
Brad that applies also to our private life, that act of giving without expectations makes us happy, and we can and should
live a happy life.
Simon Sinek (@simonsinek) is a British-American author, motivational speaker and organizational consultant. In
his presentation “Why Leaders Eat Last” he talks about the impact of hormones in our body and in our lives as human
beings. The hormone Oxytocin as a huge impact in our lives and we get it from the act of giving, of helping others.
Mark Suster (@msuster) is an American entrepreneur and venture capitalist. In an Ink Magazine article from 2013,
Mark also told as about this philosophy and tells us that we live in a world of asking. Everybody is asking for something,
networking as come to an asking event instead of an investment in creating and maintaining relationships.
Recently I meet someone that went to TechStars and was amazed by their “#GiveFirst” philosophy. Maybe it’s not
a coincidence that Mark Suster and Brad Felt are mentors in TechStars. Techstars promotes the concept of giving without
expecting a transactional return. It’s the first point in Techstars Code of Conduct: “We give first.”
As Brad told in 2012, consider adopting a give before you get approach. It might surprise you what you’ll get!
#givefirst

One of the things i love most about fintech as compared
with big business is that no one is ever afraid to try the
impossible.
- Anne Boden

radar
portuguese fintech radar
In 2020 we lauched for the first time, the Portuguese fintech radar. This image gives us a glimpse of the all
Portuguese fintech ecosystem from regulators to startups, divided into categories and was made to be distributed across
all media platforms, please share it.
If you are a Portuguese founder and would like to have your startup included in this Guide or Radar, please contact
us.
You can download a high definition image or pdf on our website in www.fintech.pt

guide
portuguese fintech guide
We launch the Portuguese fintech guide for the first time in 2017 with 59 stakeholders that are part of the fintech
ecosystem. In the end of 2020 there are more than 167.
In this guide you can find them categorized and in alphabetical order, with information that includes their name,
ceo or person in charge , a brief description of their mission and a direct link to both the entity page and person linkedin
page.
In 2020 we have also included some of the international startups that are working in Portugal, either with a
representative or a local office.
If you are a Portuguese founder and would like to have your startup included in this Guide or Radar, please contact
us. If by any change your startup has no accurate information, also give us a call and we will change it.
All these 167 stakeholders have one thing in common, they are all founded by one or more Portuguese founders.
Portuguese fintech ecosystem
• 3 regulators
• 6 vertical incubators
• 4 associations
• 150 Portuguese fintech startups
• 27 foreign fintech startups
Location of the 150 startups:
• 13 don´t have offices in Portugal
• 43 have offices in Portugal and in the rest of the world
• 59 are from Porto or the north of Portugal
• 108 are from Lisbon or the south of Portugal
• 11 have both offices in Porto and Lisboa

www.fintech.pt

categories
01 ASSOCIATION
02 AUTHENTICATION - IDENTIFICATION /SECURITY
03 BANK
04 BIGDATA - AI /PROPTECH /SECURITY
05 CHATBOT – AI
06 COMPARISON – INSURTECH
07 CONSULTING – BLOCKCHAIN /INVESTING
08 CRYPTO – HARDWARE
09 DEVELOPMENT
10 ECOMMERCE
11 FINANCIAL ADVICE
12 FINANCIAL INCLUSION
13 FINANCING – CROWDFUNDING /PROPTECH /FACTOR ING
14 INCUBATOR
15 INSURTECH - DEVELOPMENT
16 INVESTMENT – AI /BLOCKCHAIN
17 MANAGEMENT
18 OPEN BANKING
19 PAYMENTS - PROPTECH
20 REGULATOR
21 RETAIL – AI /PAYMENTS /
22 REWARDS
23 SECURITY – AUTHENTICATION / BIGDATA /BLOCKCHAIN / CERT IFICATES /EDI
00 OTHERS – RENTING /BLOCKCHAIN /RECEIVABLES /AI /TRANSFERS /TICKETING

Portuguese
fintech ecosystem

03 BANK
Innovation is part of our DNA. It is present in the characteristics of each product and
in the channels of remote access to the bank, in the applications that we create for
smartphone or tablet, or in the complete offer adapted to your lifestyle.
D u l c e M o t a
CE O
f o u n d e d 1 9 9 4 l o c a t i o n l i s b o a
11 FINANCIAL ADVICE
Fact-finding, risk tolerance, digital client agreements and recurring payments, all from
a single dashboard. Onboard removes the hassle at the start of the advice journey for
you and your clients, letting you get on with what you do best.
A n d r é Co s t a
C o - F o u n d e r
CE O
f o u n d e d 2 0 1 5 l o c a t i o n l o n d o n , L i s b o n
23 SECURITY
ADYTA focuses its activity in the area of defense and protection of communications
through innovative solutions tailored to each client. it also provides services of design
and implementation of cloud systems and data protection.
Ca r l o s Ca r v a l h o
CE O
f o u n d e d 2 0 1 5 l o c a t i o n p o r t o
01 ASSOCIATION
Associação fintech insurtech de Portugal. We are an eclectic non-profit association that
seeks to promote and develop the fintech and insurtech sectors in Portugal
J o ã o M a c h a d o M o t a
E x e c u t i v e D i r e c t o r
05 CHATBOT /AI
Making use of Deep Neural Networks, Natural Language Processing and other powerful
algorithms, AGENTIFAI provides digital intelligent agents that are capable to
understand and maintain natural conversations with customers.
R u i L o p e s
CE O
f o u n d e d 2 0 1 6 l o c a t i o n b r a g a

04 BIGDATA /AI /PROPTECH
Gathering property data from multiple public sources, we developed a Machine
Learning algorithm that allows any Real Estate stakeholder to perform AI-powered
appraisals of any kind of property in the Portuguese market.
G o n ç a l o A b r e u
C o - F o u n d e r
CE O
08 CRYPTO
The most advanced digital asset platform, for secure crypto custody, trading, staking,
governance, and more.
D i o g o M o n i c a
C o - F o u n d e r
P r e s i d e n t
f o u n d e d 2 0 1 7 l o c a t i o n p o r t o , s a n f r a n c i s c o
01 ASSOCIATION
The Portuguese blockchain alliance is an ecosystem composed of companies, startups,
universities and students with the objective to develop the national skills in blockchain.
R u i S e r a p i c o s
P r e s i d e n t
01 ASSOCIATION
Portuguese blockchain and cryptocurrency association
F r e d A n t u n e s
B o a r d P r e s i d e n t
08 CRYPTO
APPCOINS is a protocol for the App Economy supported by the Aptoide App Store, and
the first ICO serving 200 million users with the goal of creating a trustworthy economy
without intermediaries.
P a u l o T r e z e n t o s
CE O a n d Co - F o u n d e r o f
A p t o i d e
f o u n d e d 2 0 1 7 l o c a t i o n s i n g a p o r e , l i s b o a

20 REGULATOR
The insurance and pension funds supervisory authority (ASF) is the national authority
responsible for regulating and supervising both prudential and behavioral insurance,
reinsurance, pension funds and their managing entities and insurance mediation.
P a u l a A l v e s R i b e i r o
S u p e r v i s o r
22 REWARDS
AYR is a breakthrough platform that counts and values the CO2 you didn’t produce by
making sustainable choices, rewarding you with AYR Credits that stored the value of
your savings.
P e d r o D i e z G a s p a r
F u t u r e B u s i n e s s T e c h n o l o g y
D i r e c t o r a t CE i i A
14 INCUBATOR
Beta-i is a collaborative innovation consultancy with global reach.
P e d r o R o c h a V i e i r a
C o - F o u n d e r
CE O
16 INVESTMENT
At Betmarkets, anyone can invest in sports betting through the knowledge of
professional bettors.
A f o n s o V i e i r a
C o - F o u n d e r
CE O
16 INVESTMENT /BLOCKCHAIN
BETPROTOCOL is an open protocol that facilitates peer-to-peer betting Dapps powered
by low fees and a governance token ecosystem.
R u i T e i x e i r a
C o - F o u n d e r
CE O

23 SECURITY /BIGDATA
BINARYEDGE combines machine learning and cybersecurity techniques in a custom-
built platform to scan, acquire and classify public internet data.
T i a g o H e n r i q u e s
F o u n d e r CE O u n t i l a c q u i s i t i o n
b y Co a l i t i o n ( J a n / 2 0 2 0 )
G e n e r a l M a n a g e r S e c u r i t y a t
Co a l i t i o n , I n c .
f o u n d e d 2 0 1 5 l o c a t i o n s w i t z e r l a n d
19 PAYMENTS
A new form of payment, very convenient and available wherever you are, Blink Pay is
the right choice for paying your bills, in the blink of an eye.
J o ã o R o s a d e Ca r v a l h o
D i r . O p e r a t i o n s @ A l t i c e P a y
23 SECURITY /BLOCKCHAIN
Disrupting businesses with innovative blockchain and cybersecurity solutions
J o s é F i g u e i r e d o
C o - F o u n d e r
03 BANK
Banco BNI Europa is a financial institution with the ambition to grow significantly and
it intends to challenge the high street banks, while using the latest technology offered
by the fintech industry in terms of risk analysis, time to market and customer
experience.
P e d r o P i n t o Co e l h o
Ch a i r m a n
CE O
17 MANAGEMENT /FINANCIAL
BOONZI is a personal finance platform that helps families keeping track of their
financial position and consumption habits, helping them spot instant savings and
establish monthly goals.
J o ã o S a l e i r o
C o - F o u n d e r

20 REGULATOR
Banco de Portugal is the central bank of the Portuguese republic. the bank is part of
the euro system and the European system of central banks, the single supervisory
mechanism and the single resolution mechanism.
R i t a B a i r r o s
P a y m e n t s y s t e m s r e g u l a t i o n
u n i t
f o u n d e d - l o c a t i o n l i s b o a
00 OTHERS /TICKETING
Card4B develops and operates Integrated Mobility solutions through interoperable
contactless ticketing software, passenger interaction, embedded systems and
smartphones, systems integration and business intelligence.
H e n r i q u e P a r e n t e
CE O
f o u n d e d 2 0 1 3 l o c a t i o n l i s b o a , p o r t o
13 FINANCING /CROWDFUNDING
The first platform of its kind to bring the worlds of renewables cooperatives and
crowdfunding together in one, easy to navigate space, CITIZENERGY is directly
supporting the decentralization and democratization of our energy landscape.
N u n o B r i t o J o r g e
C o - F o u n d e r
20 REGULATOR
The Portuguese securities market commission, also known by its initials as "CMVM",
supervises and regulates securities and other financial instruments and activities of all
those who operate within said markets.
A n a F r a s q u i l h o
E q u i p a d e F i n t e c h e
D e s e n v o l v i m e n t o d e M e r c a d o
08 CRYPTO
Enabling Stable-coin & Libra Facebook Development and Integration Solutions. Tech
Provider, Custody & Liquidity services.
J a i m e F e r r e i r a

04 BIGDATA /AI
PETAPILOT is a technology company that builds software for tax compliance, fraud
detection, SAF-T validation, and business-to-government reporting, which helps
businesses mitigate the burden and risk of modern compliance.
V a l t e r P i n h o
CE O P e t a P i l o t , S A
f o u n d e d 2 0 1 4 l o c a t i o n p o r t o , l i s b o a
06 COMPARISON
COMPARAJA.pt is a free and independent online platform for comparison and analysis
of financial products and services that offers users the possibility to identify and acquire
the solution most suited to their needs.
J o s é F i g u e i r e d o
CE O
06 COMPARISON
COMPARAMAIS is an online comparison site that helps consumers find the best energy,
telecommunications and banking prices in Portugal. the team has a vast experience in
comparison companies and diversified training in banking, insurance and digital
marketing.
B r u n o A r a ú j o
CE O
15 INSURTECH
COVERFLEX is the first all-in-one digital solution for the insurance sector. with monthly
pricing plans and a fixed price per employee, it provides dedicated customer support
that will guide you from purchase to claims.
N u n o P i n t o
C o - F o u n d e r
CE O
08 CRYPTO
As a team of Portuguese crypto coin believers, we decided to launch CRYPTOESCUDO
(cesc, short form), a coin based in cryptography, that uses complex mathematical
problems to achieve a high security level.
E u g é n i o A p o l o
C o - F o u n d e r
CE O

03 BANK
A 100% mobile solution, with no adhesion or maintenance fees, without complications,
with a language stripped of formalism, with a young and irreverent attitude, reflecting
a native digital generation and with well-defined concerns and causes that completely
cut it - and in principle - with the past and with the banking sector.
R u i N e g r õ e s S o a r e s
H e a d o f D i g i t a l B a n k a t C G D
15 INSURTECH
DATA XL's flagship product is the insurance pricing room (IPR). the insurance pricing
room allows nonlife companies to set up the best profitable price to their customer,
using mathematical pricing discrimination techniques.
F i l i p e Ch a r t e r s
F o u n d e r
CE O
04 BIGDATA /AI
We provide high quality AI training data to fuel your AI and machine learning initiatives.
Our fully customizable workflows in speech, NLP, and vision are designed to help you
reach your business goals quickly, easily and with guaranteed results.
D a n i e l a B r a g a
F o u n d e r
CE O
f o u n d e d 2 0 1 5 l o c a t i o n s e a t t l e , l i s b o a , p o r t o
07 CONSULTING
We are a consulting company specialized in Information Technology, and proudly the
only Portuguese company certified as SWIFT Ready Solutions. With 100% Portuguese
capital, D-EVO Consulting established strong partnerships with world leading
companies in the financial sector.
A r t u r P e r e i r a
CE O
02 AUTHENTICATION /SECURITY
DIDIMO is the world’s leading provider of fast, automated solutions for the generation
of high-quality real-time humans. Our DIDIMO virtual avatars are created in around 90
seconds.
V e r o n i c a C o s t a O r v a l h o
F o u n d e r
CE O

23 SECURITY /CERTIFICATES
DIGITALSIGN is an electronic security company, with emphasis on its activity as a
Portuguese certifying entity for the issuance of qualified digital certificates.
F e r n a n d o M o r e i r a
CE O
f o u n d e d - l o c a t i o n g u i m a r ã e s
04 BIGDATA /AI
DOCDIGITIZER bundles AI and Machine Learning data extraction with human revision,
guaranteeing 100% accuracy.
J o ã o F e r n a n d e s
F o u n d e r
CE O
11 FINANCIAL ADVICE
The free services of doctor finance are available to all Portuguese, in 5 fronts: housing
credit, consolidated credit, credit renegotiation, insurance and training in personal
finance.
R u i B a i r r a d a
CE O
15 INSURTECH
DRIVIT's mission is to provide tools capable of helping drivers to address everyday
burdens while reducing the impact that the car has in our environment and public space
in general. acquired by Zego UK 09 December 2020
G o n ç a l o F a r i n h a
F o r m e r CE O D r i v i t
S t a f f D a t a S c i e n t i s t a t Z e g o
19 PAYMENTS
Either you are a company selling online, a service provider with monthly fees, a school
or a club with recurrent payments or an association raising funds, with EASYPAY
collecting those payments just became easier and flexible.
S e b a s t i ã o L a n c a s t r e
F o u n d e r
CE O

09 DEVELOPMENT
EBANKIT is an omnichannel banking software company that helps financial institutions
worldwide to future-proof their businesses.
R e n a t o O l i v e i r a
CE O
Ch a i r m a n
f o u n d e d 2 0 1 4 l o c a t i o n l o n d o n , p o r t o
23 SECURITY
Elucidate is a financial crime risk management company enabling financial institutions
to benchmark and price financial crime risk through the Elucidate FinCrime Index (EFI),
an automated platform developed in partnership with leading global correspondent
banks.
F i l i p e G a r c i a
F o u n d e r
CT O
f o u n d e d 2 0 1 8 l o c a t i o n b e r l i n
23 SECURITY
Get to know the secure service that delivers your pre prepared messages, even if
something happens to you.
P e d r o M a r t i n s
F o u n d e r
CE O
f o u n d e d 2 0 1 5 l o c a t i o n v i l a n o v a d e g a i a
ESOLIDAR is a global giving marketplace that empowers the connection between
charities and their communities by providing easy ways to raise funds and awareness.
M a r c o B a r b o s a
F o u n d e r
CE O
f o u n d e d 2 0 1 4 l o c a t i o n b r a g a , l o n d o n
19 PAYMENTS
EUPAGO is a 100% national payment institution, accredited and supervised by Banco
de Portugal and specializing in supporting payments made over the Internet, consisting
of an ideal solution from corporate e-commerce situations to private sales.
T e l m o S a n t o s
CE O

16 INVESTMENT
We optimize exits providing an investment management platform for startup
shareholders and portfolio managers to help track KPIs, understand market trends and
get advice in building liquidity to reach their goals.
F r a n c i s c o S a n t o s
F o u n d e r
17 MANAGEMENT
Billing management for the modern entrepreneur. Dedicate your time to the business
and your customers. Billing must be less of the concerns. So, simplify the way to bill
P a u l o S o l i n h o B a r b o s a
CE O
17 MANAGEMENT
Commercial management and billing solution, certified by the Tax Authority, which
allows you to issue invoices and control your sales, with all the information always just
a click away, always up to date and properly organized.
H u g o P i n t o
CE O G o F a c t
23 SECURITY
Whether you are a bank, acquirer, merchant or any player in the commerce value chain,
FEEDZAI is all you need to manage risk in today’s world of multirail, real time payments.
Online or offline, card or mobile, FEEDZAI offers the most advanced machine learning
engine to mitigate fraud and stay compliant
N u n o S e b a s t i ã o
F o u n d e r
CE O
f o u n d e d 2 0 1 2 l o c a t i o n u s , l o n d o n , l i s b o a , p o r t o
19 PAYMENTS
Unlock the power of real-time payment data
Access global data from Visa©, Mastercard© and Amex© with Fidel ’ s API and
accelerate your innovations
A n d r é E l i a s
C o - F o u n d e r
CT O
f o u n d e d 2 0 1 3 l o c a t i o n l o n d o n , l i s b o a

09 DEVELOPMENT
Finanfarma, created in 2007, is a “Fintech for Health” specialized in the implementation
of innovative credit and payment solutions that enhance and streamline the creation
of value in the Health and Wellness area, contributing to a profitable and sustained
growth in the sector.
T i a g o S o p a s
CE O
09 DEVELOPMENT
Our success story began in September 1994 with the creation of a startup dedicated to
the development of software for trading on the Oporto Stock Exchange.
A n t ó n i o J e s u s
CE O
09 DEVELOPMENT
Improving people's lives by untangling the financial world.
J o s é G o m e s
CE O
14 INCUBATOR
Portugal FINLAB is a communication channel between innovators in the financial sector
in Portugal – start-ups or incumbents – and the sector’s regulatory authorities.
PORTUGUESE
FINLAB COMMITTEE
CM V M
B A N CO P O R T U G A L
A S F
14 INCUBATOR
The biggest Fintech, Regtech, Insurtech and Cybersecurity Hub in Portugal. This is a
space where Startups, Investors, Corporations and Regulators will work together and
create value for the future. This is the must-go place for Fintech in Portugal.
M a r c o N i g r i s
M a n a g i n g D i r e c t o r

07 CONSULTING
Connecting the dots. Empowering Portuguese fintech ecosystem. Combining
innovative business models and technology to enable, enhance and disrupt financial
services.
A u g u s t o S a n t o s
F o u n d e r
09 DEVELOPMENT
FINTECH SERVER is a suite of software components for fintech platforms and
applications.
J o r g e P e r e i r a
F o u n d e r
02 AUTHENTICATION / IDENTIFICATION / SECURITY
Fractal offers a fully compliant KYC/AML onboarding process with a focus on usability,
enabling a wave of emerging global Fintechs in building a truly global userbase.
J ú l i o s a n t o s
Co F o u n d e r
CP O
f o u n d e d 2 0 1 7 l o c a t i o n b e r l i n
09 DEVELOPMENT
Fraudio ’ s mission is to connect merchants, payment service providers, merchant
acquirers, card issuers and other players in the payments chain to a powerful
centralized AI / smart brain that prevents, detects and fights fraud in real time, creating
unrivalled value.
J o ã o M o u r a
CE O / CT O
f o u n d e d 2 0 1 9 l o c a t i o n a m s t e r d a m , l i s b o a
07 CONSULTING /INVESTMENT
FINTECH PARTNERS. If You Want To Go Fast, Go Alone.
If You Want To Go Far, Go Together. Enabling Action through Collaboration.
A u g u s t o S a n t o s
F o u n d e r
P a r t n e r

23 SECURITY /AUTHENTICATION
FundWiser is an alternative investment platform which aims to provide access to funds
in Private Equity, Venture Capital, Private Credit, Special Situations Infrastructure and
Property.
P e d r o F a r i n h a
C o - F o u n d e r
CT O
f o u n d e d 2 0 1 8 l o c a t i o n l o n d o n
23 SECURITY /AUTHENTICATION
Fyde provides granular access controls for your enterprise apps and workloads, and
continuously monitors access requests. Enable strong device authentication, improve
security posture of unmanaged devices and remediate configuration errors. Acquired
by Barracuda Networks.
J o s é L u í s P e r e i r a
F o u n d e r
CT O
f o u n d e d 2 0 1 6 l o c a t i o n c a l i f o r n i a , p o r t o
13 FINANCING
GOPARITY is an online sustainable investment platform. it connects citizens and
institutional investors with exciting investment opportunities that also make the world
a better place to live in.
N u n o B r i t o J o r g e
F o u n d e r
CE O
15 INSURTECH
We create insurance products that go beyond traditional insurance by adding Services
to the insurance offer and enabling usage-based products on a digital channel.
D o m i n g o s B r u g e s
F o u n d e r
CE O
f o u n d e d 2 0 1 8 l o c a t i o n n e w y o r k , l i s b o a
09 DEVELOPMENT
We create APIs that let you - or your customers - access information (assets, loans,
investment portfolios) and transactions at the traditional banks, enabling the creation
of a new generation of banking enabled applications and services!
D i o g o N e s b i t t
C o - F o u n d e r
CE O

15 INSURTECH
Your HISONIA assistant will help you getting it all done. Avoid bureaucracy, find out
the products at the best prices and ratings. After all it's Simple! You can still win
Coins4Life, reward from your insurances managed by us. Coins4Life can be exchanged
for awards and vouchers.
I g o r d e B r i t o
C o - F o u n d e r
16 INVESTMENT
Infrastructure & Software solutions for Retail Investors & Portfolio Managers. Business
Development Consultantship for Money Managers, Proprietary Trading Desks &
Investment Services Affiliates.
R u i G a g o
C o - F o u n d e r
CE O
f o u n d e d 2 0 1 7 l o c a t i o n c y p r u s
08 CRYPTO
HOLD provides a crypto and cash exchange app with a free Debit card where customers
can instantly buy, sell, and exchange crypto and cash anywhere at great rates and with
zero fees.
G u i l h e r m e A l m e i d a
CT O
f o u n d e d 2 0 1 8 l o c a t i o n e s t o n i a
15 INSURTECH /DEVELOPMENT
we are an it company specialized in the design, development and implementation of
software solutions for the insurance global market.
H e l e n a L e i t e
CO O
15 INSURTECH
We help insurance companies to automate claims, manage all providers, reduce costs
and improve customer experience by using advanced workflow solutions combined
with Machine Learning / AI
J o ã o M e d i n a
F o u n d e r

00 OTHERS /RECEIVABLES /AI
INVISIBLE COLLECTOR is a receivables relationship agent that puts creditors and
debtors on the same page, while providing real-time performance analytics and
predictive cash-flows.
M i g u e l R a n g e l
CF O
19 PAYMENTS
Allow businesses, online stores, schools, clubs, associations and municipalities to issue
Multibanco references in their documents or websites.
F i l i p e M o u r a
CE O
f o u n d e d 2 0 0 5 l o c a t i o n a v e i r o
IMPACTMARKET is a decentralized financial and philanthropic infrastructure for the
new impact economy that empowers people, charities, funders and businesses to make
positive social change by leveraging the blockchain for efficient fundraising,
governance, and transparency.
M a r c o B a r b o s a
F o u n d e r
CE O
09 DEVELOPMENT
INFOSISTEMA is a technology and business consulting company providing systems of
engagement, integration and advanced analytics solutions to banking and insurance
companies.
A l e x a n d r e d o M o n t e L e e
F o u n d e r
CE O
09 INSURTECH
InsurAds is the World's 1st Insurance Company to protect Digital Advertisement
Investments and World's leading Attention Monetization Platform for Publishers and
Advertisers.
A n d r é T o m á s P a r r e i r a
C o - F o u n d e r
CE O
f o u n d e d 2 0 1 7 l o c a t i o n l i s b o a , m a d r i d u s

17 MANAGEMENT
INVOICEXPRESS is an online invoicing software. its' simple and intuitive interface makes
your life easier, let's face it invoicing is not as smooth as you'd like. it is targeted
specially to micro, small and medium enterprises - and freelancers.
R u i P e d r o A l v e s
F o u n d e r
CE O
09 DEVELOPMENT
ITSCREDIT is a software company specialized in credit solutions and their
implementation.
F i l i p e Ca t a l ã o
CE O
09 DEVELOPMENT
ITSECTOR is a software development company specialized in digital transformation for
financial institutions.
J o s é J o r g e F e r r e i r a
V i c e - P r e s i d e n t
B o a r d M e m b e r
13 FINANCING /PROPTECH
IZILEND is a lending platform for Real Estate projects in Spain and Portugal. IZILEND
provides bridge financing to Real Estate Developers that need to act swiftly when
looking for new projects and need flexible and customized solutions.
B e r n a r d o F a r i a e M a i a
f o u n d e d 2 0 1 8 l o c a t i o n l i s b o a , m a d r i d
17 MANAGEMENT
JASMIN is an easy to use cloud management software. Anytime and anywhere, you can
control the buying and selling cycles of your business, charge your customers faster,
track current accounts and optimize inventory and warehouse management.
J o s é D i o n í s i o
C o - CE O P R I M A V E R A B S S
f o u n d e d 2 0 1 7 l o c a t i o n -

23 SECURITY
With JSCRAMBLER, JavaScript applications become self-defensive and resilient to
tampering and reverse-engineering, while also providing complete visibility over client-
side attacks, including DOM tampering, web supply chain attacks like Magecart, and
customer hijacking.
R u i R i b e i r o
CE O
f o u n d e d 2 0 1 4 l o c a t i o n p o r t o , s a n f r a n c i s c o
10 ECOMMERCE
Creating an online store requires setting up infrastructure, managing backups,
performing regular updates, developing software and ensuring security. JUMPSELLER
is the eCommerce solution that allows you to set up an online store with just a few
clicks of the mouse and start selling!
F i l i p e G o n ç a l v e s
C o - F o u n d e r
15 INSURTECH
KEEP WARRANTY is an app that saves your purchase slips and warranties, reminding
you when they’re about to expire. you can store your warranties by category, making it
easier to organize and find them.
R o m a n a I b r a h i m
F o u n d e r
CE O
08 CRYPTO
KEYRUPTIVE is a mobile application for secure storage and management of your digital
assets. the KEYRUPTIVE app offers security levels comparable to hardware wallets but
with the convenience of a home banking app.
F r a n c i s c o A l m e i d a M a i a
CE O
15 INSURTECH
KOOLI is a b2b2c white label and cloud-based insurance platform that connects people,
business and insurance companies in an innovative, attractive and personalized way.
J o s é P e d r o Co s t a

15 INSURTECH
We use technology to enable a greater and simpler delivery of End to end insurance
that better address real needs, in one unique integrated experience.
Cr i s t ó v ã o P e r e i r a
CE O
00 OTHER /RENTING
LIQUI.DO helps small and medium businesses get the equipment they need to grow
their business. driven by proprietary algorithms, cloud computing and automation,
liqui.do is building the future of equipment renting.
J o s é Ca p i t ã o
CO O
15 INSURTECH /DEVELOPMENT
LLUNI Software is focused on developing solutions for the insurance mediation market
through cutting-edge products and technologies that provide business models with a
high integration rate.
L e a n d r o F e r n a n d e s
CE O
LOQR provides adaptive authentication security solutions. we are deploying world
leading client recognition and access management systems.
R i c a r d o Co s t a
F o u n d e r
CE O
f o u n d e d 2 0 1 5 l o c a t i o n l i s b o a , p o r t o , l o n d o n
15 INSURTECH
Finally, an insurance that adapts to you. Quickly register the things you care about and
insure them within seconds. You now have a clear view of what is covered and not
covered.
J o ã o Ca r d o s o D e J e s u s
F o u n d e r
CE O
f o u n d e d 2 0 1 7 l o c a t i o n p a r i s , l i s b o a

19 PAYMENTS
We offer payments by mobile phone and references Multibanco and Payshop so that
the invoices of your company can be easily paid.
J o s é A n t ó n i o R i b e i r o
F o u n d e r
CE O
17 MANAGEMENT
MAGNIFINANCE automates 90% of all financial management tasks and does all the
heavy lifting so you can manage your finances with no typing.
J o r g e R o d r i g u e s d o s S a n t o s
CE O
18 OPEN BANKING
We have created a core banking system that will change the way we view and use
money forever. Create your account in minutes directly from your phone and instantly
start changing the way you use money.
J o a q u i m L a m b i z a
C o - F o u n d e r
19 PAYMENTS
MB WAY is the MULTIBANCO solution that allows you to make purchases online and
in physical stores, generate MB NET virtual cards, send, ask for money and split the
account and still use and withdraw money through your smartphone, the MB WAY app
or the apps bank
T o m á s A l b u q u e r q u e
S e n i o r P r o d u c t M a n a g e r
15 INSURTECH
We’re learning from data to help drivers spend less and use less, so every journey has
a positive impact on the world.
A n t ó n i o L u í s M e n d e s
F r a d i q u e
F o u n d e r
CE O
f o u n d e d 2 0 1 8 l o c a t i o n e v o r a

19 PAYMENTS
MEO WALLET is a fast, secure and innovative way to make and receive payments on
your phone, on your computer and on the tv.
J o ã o Z ú q u e t e D a S i l v a
Ch i e f Co r p o r a t e O f f i c e r a t
A l t i c e P o r t u g a l
M-ESKUDO “bank in your hand” is the next generation of digital finance based on a
dedicate device for the last mile. It is the global anywhere anytime remote platform for
banking. M-ESKUDO targets the unbanked and underserved
M a n u e l V a l a d a s P r e t o
F o u n d e r
CE O
08 CRYPTO /HARDWARE
Use our Bitcoin terminals (Bitcoin ATM) to acquire virtual currencies instantly!
F e r n a n d o G u i m a r ã e s
F o u n d e r
03 BANK
At moey! we're building a totally different banking experience. A bank that is 100%
mobile, without opening or maintenance costs, without complications. A bank with a
fresh attitude and a non-complicated language which aims to cut with the past of the
banking sector.
D i o g o R i t o
H e a d o f P r o d u c t a n d B u s i n e s s
D e v e l o p m e n t
f o u n d e d - l o c a t i o n -
17 MANAGEMENT
MOLONI is an innovative commercial management software designed for micro, small
and medium-sized businesses as well as for professionals. no initial investment,
complete and intuitive.
R u b e n Co s t a
C o - F o u n d e r
CE O
f o u n d e d 2 0 1 2 l o c a t i o n l i s b o a , m a d r i d

11 FINANCIAL ADVICE
MONEYLAB's labs and workshops aim to teach children and young people to become
financially responsible and independent adults.
B á r b a r a B a r r o s o
F o u n d e r
CE O
15 INSURTECH
Buying insurance should be simple, transparent and personalized. We believe that there
is a lot to do to achieve this - the reason why we created MUDEY! The intelligent way
to buy and manage your insurances.
A n a T e i x e i r a
C o - F o u n d e r
CE O
23 SECURITY
at MULTICERT, we are focused in electronic certification and electronic communications
/transactions security, offering several security solutions for individuals, companies and
even countries.
A n a F i l i p a Á l v a r e s
M a r k e t i n g Co m m u n i c a t i o n s
17 MANAGEMENT
Financial management software with aggregated, qualified and independent
information. A new relationship between companies, accountants and financial
institutions.
O r l a n d o Co s t a
C o - F o u n d e r
CE O
Alternative digital banking solutions. "banks can't ignore 4% of the world's population."
Currently, visually impaired people are presented with limited digital banking solutions,
with low security and low autonomy features.
P e d r o Ca m a c h o
F o u n d e r
f o u n d e d 2 0 1 7 l o c a t i o n f u n c h a l , l i s b o a

09 DEVELOPMENT
Development of Internet Banking, Mobile Banking and other Digital Channel Solutions.
Implementation of Back Office and Front Office modules. Development of several
Systems Integration Projects with Central Banks, Payment Processors, Cards,
PSD2/OpenBanking and other Custom Specific Banking Projects.
P e d r o Ca m a c h o
F o u n d e r
f o u n d e d 2 0 1 7 l o c a t i o n f u n c h a l , l i s b o a
COMPARISON
Nvalores is an independent comparator of banking products in Portugal. Simulate and
compare and find the best solution in personal loans, home loans, credit cards, bank
accounts and place your order online.
R i c a r d o R o d r i g u e s
CE O
f o u n d e d 2 0 1 3 l o c a t i o n s e t u b a l
19 PAYMENTS
We are the Portuguese fintech of reference with more than 300 ME of collections and
more than 20 million transactions. PAGAQUI acts as Merchant Agent for Visa Europe,
Payment Facilitator for Mastercard and Alipay
J o ã o B a r r o s
CE O
f o u n d e d 2 0 1 3 l o c a t i o n L i s b o a , p o r t o
19 PAYMENTS
PARCELAJÁ is focused on installment payments through credit cards, at no cost
whatsoever for end customers. The developed software allows end customers to pay
their purchased products or services over the store counter from 2 to 12 times with
their credit card, without any interest or charges and without any bureaucracies or
waiting time for credit approval.
M i g u e l Q u i n t a s
F o u n d e r
16 INVESTMENT /AI
We are a Fintech company dedicated to providing Artificial Intelligence solutions to the
Investment Industry.
P a u l o Ca r d e i r a G o m e s
F o u n d e r

22 REWARDS
PASSWORKS is a technology start-up that developed a mobile wallet solution that
leverages different mobile wallets technologies, such as apple wallet or android pay, in
one single platform, allowing our customers to create content for the mobile wallets
and manage the entire life cycle easily.
F r a n c i s c o B e l o
C o - F o u n d e r
CE O
19 PAYMENTS
PAYCRITICAL is a payments company founded by a team of experienced industry
specialists. the company provides technology, consultancy services and guidance on
digital payments. they offer visa, Mastercard, Amex, Multibanco, Mb Way, Sepa direct
debits among many other available payment methods.
H u g o H i l á r i o
19 PAYMENTS /PROPTECH
PAYLEND is a financial solution made with real estate consultants in mind. In a simple
and intuitive way, it allows them to receive right away instead of having to wait for the
agency's deed or payment cycle.
D i o g o D a n t a s d a Cu n h a
F o u n d e r
CE O
19 PAYMENTS
PAYSHOP is a service that allows the charging of mobile phones and transport tickets,
payment of various bills like telephone, electricity, water, gas, television, taxes and tolls,
among others.
S i l v i a Co r r e i a
E x e c u t i v e B o a r d M e m b e r a t
P a y S h o p P o r t u g a l a n d H e a d
o f P a y m e n t s a t CT T - Co r r e i o s
d e P o r t u g a l , S . A
00 OTHERS /TICKETING
The mobile app Pick by Ubirider (Android, iOS) allows users to plan door-to-door travel,
pay and ride to all destinations, everywhere, using the best transport combination.
P a u l o F e r r e i r a d o s S a n t o s
F o u n d e r
CE O - U b i r i d e r

17 MANAGEMENT
We believe in equal opportunities, so we are leveraging your financial odds. We want
to simplify money and demystify that finances are a headache Thanks to our app you
can have all your personal finances on your phone.
I g o r d e B r i t o
C o - F o u n d e r
f o u n d e d 2 0 1 4 l o c a t i o n l i s b o a , c a l d a s d a r a i n h a
23 SECURITY
POLYGON is a Portuguese technology company specialized in the development of
multimodal biometrics for cross-platform and cross-device usage (web, mobile, call
center, physical). Our aim is to identify and authenticate users on remote digital
interfaces in real time, in a secure and easy to use experience.
S a l v a d o r P a l h a
CE O
01 ASSOCIATION
Portugal fintech is a non-profit association of financial technology (fintech). The
association's mission is to create the best conditions for the development of fintech,
insurtech and cybersecurity startups in Portugal.
M a r g a r i d a M e n d e s d a M a i a
C o - F o u n d e r
PPL - The reference Crowdfunding platform in Portugal
P e d r o D o m i n g o s
C o - F o u n d e r
13 FINANCING /FACTORING
at PRAZO.PT we are making the path to digital factoring, creating value for suppliers,
buyers, partners and funders.
P e d r o F e r n a n d e s
CE O

23 SECURITY
We develop full-spectrum, user-friendly solutions which guarantee the security and
privacy of all your digital communications.
H e n r i q u e Co r r ê a d a S i l v a
C o - F o u n d e r
CE O
23 SECURITY/ AUTHENTICATION
Probely automates web vulnerability scanning and is targeted at companies that build
online services. Our customers can cost-effectively request scans of web applications
and efficiently manage the lifecycle of the vulnerabilities found in a sleek and intuitive
web interface.
N u n o L o u r e i r o
C o - F o u n d e r
CE O
f o u n d e d 2 0 1 6 l o c a t i o n l i s b o a , l o n d o n , u s
14 INCUBATOR
PROTECHTING supports innovative startup projects in the areas of protection and
prevention, services (in fintech and insurtech) and health.
J o s é V i l l a d e F r e i t a s
M a r k e t i n g M a n a g e r a t
F I D E L I D A D E
00 OTHERS /BLOCKCHAIN
Public Mint offers a fiat-native blockchain, APIs and web components, open and ready
for anyone to build fiat-native applications and accept credit cards, ACH, wire transfers
and more. No bank accounts needed.
P a u l o J a c i n t o R o d r i g u e s
CE O
00 OTHERS /BLOCKCHAIN
We are a technology company comprised of two business units, "origami" and "alive",
focused on strong innovation at the intersection of the most current disruptive
technologies: VR/AR, Biometrics, AI, Dlts and IOT.
R i c a r d o L o p e s
CE O , CT O

We are a pioneer in raising and managing collaborative financing, usually called
crowdfunding, specifically geared towards making and managing real estate
investments. We provide small investors and savers with the possibility to invest directly
in premium real estate assets, just as big investors and real estate funds do.
V a s c o P i n t o
F o u n d e r
06 COMPARISON /INSURTECH
Automotive insurance simulator. In less than 3 minutes with a single simulation check
and compare the offers of various insurance companies.
M i g u e l T e i x e i r a
F o u n d e r
CE O
13 FINANCING
RAIZE is the largest peer-to-peer lender in Portugal and one of the fastest growing in
Iberia. we operate our own payments institution regulated by the bank of Portugal
making us one of the most solidly regulated platforms in Europe.
J o s é M a r i a R e g o
C o - F o u n d e r
21 RETAIL /AI
A cloud platform for smart retail product analysis and price comparison that uses
powerful machine learning algorithms, data fusion and computer vision to reshape the
way retailers get their competitive intelligence data.
A n a P i n t o
C o - F o u n d e r
CE O
15 INSURTECH
Insanely simple insurance switching. Stop overpaying on your insurance. RNWL
automatically analyses the market, offers you the best deals and can even make the
switch for you.
G o n ç a l o d e V a s c o n c e l o s
F o u n d e r
CE O
f o u n d e d 2 0 1 9 l o c a t i o n c a m b r i d g e

11 FINANCIAL ADVICE
Our WealthTech is a roboadvisor who come to fill the gap of this product in the
Portuguese national market. In addition we will bring to the market: lower commissions,
no minimum account opening and no montlhy deposit required. We are a
multidisciplinary team with extensive experience in Data Science and Finance and we
will bring to the market a new asset management paradigm.
A m í l c a r B a r r e i r a
CE O
23 SECURITY /EDI
SAPHETY is a leading company in solutions for electronic documents exchange,
electronic invoicing and data synchronization amongst companies.
N u n o M a t o s
V P P r o d u c t M a r k e t i n g
f o u n d e d 2 0 0 0 l o c a t i o n L i s b o a , s o u t h a m e r i c a
08 CRYPTO
Our goal is to become the world’s largest pension fund without touching a penny of
our clients' funds. Unlike with traditional banking, our clients will be the only ones with
access to their private key.
S é r g i o S i l v a
C o - F o u n d e r
CE O
f o u n d e d 2 0 1 9 l o c a t i o n l e i r i a
04 BIGDATA
SECURIBOX cloud-based solutions of data and documents aggregation, organization
and analysis allow us to provide you with information that really matters.
J o ã o R o d r i g u e s
C o - F o u n d e r
CT O
f o u n d e d 2 0 0 9 l o c a t i o n l i s b o a , p a r i s
SEEDIMO is the first Portuguese platform for real estate crowdfunding. through our
platform, we offer access to a community of real estate investors.
F e r n a n d o B e l e z a s
C o - F o u n d e r

SEEDRS is the world’s leading equity crowdfunding platform. we make it simple for
anyone - from angels and venture capitalists, to friends and family - to become
investors in ambitious, growth-focused European businesses.
Ca r l o s S i l v a
C o - F o u n d e r
N o n - E x e c u t i v e D i r e c t o r
f o u n d e d 2 0 0 9 l o c a t i o n L i s b o a , l o n d o n
21 RETAIL /PAYMENTS
SENSEI is a scalable, seamless store-wide solution that empowers the stores of the
future to be check-out and cash free.
V a s c o P o r t u g a l
C o - F o u n d e r
CE O
f o u n d e d 2 0 1 7 l o c a t i o n L i s b o a , l o n d o n
10 ECOMMERCE
SHOPKIT is a service that allows you to create your online store easily, conveniently and
appropriate to your type of business. the process is simple and fast. in 5 minutes, you're
ready to start selling your products online.
A n d r é Ca s t r o
F o u n d e r
f o u n d e d 2 0 1 2 l o c a t i o n Ca s t e l o b r a n c o
19 PAYMENTS
SIBS offers to more than 300 million users the most modern, reliable and secure
financial services, namely in the payments area. more than three billion transactions are
processed by Sibs, which results as one of the largest payment processors in Europe.
the most recognized brands are Multibanco, MBWay and MBNet.
M a d a l e n a Ca s c a i s T o m é
CE O
18 OPEN BANKING
Sibs API market provides both market-shared and provider-specific payments,
information and analytics APIs. We provide all psd2-compliant APIs (account
information, payment initiation and availability of funds) as well as the MB Way API
which offers a simple solution to integrate checkout payments into online stores.
M a d a l e n a Ca s c a i s T o m é
CE O S i b s

14 INCUBATOR
Sibs incubator. With more than three decades of existence, Sibs offers to more than
300 million users the most modern, reliable and secure financial services, namely in the
payments area.
M a r i a A n t ó n i a S a l d a n h a
D i r e c t o r o f S I B S
P A Y F O R W A R D - I n n o v a t i o n
P r o g r a m
10 ECOMMERCE
SLYK Payspaces is the easiest way for any individual or business to launch a wallet
network with built-in tools for selling, hiring, raising funds, accepting donations, and
more. Payspaces are your one-stop shop for easy ecommerce, no domain, site, or
online store required.
J o r g e P e r e i r a
F o u n d e r
CT O
f o u n d e d 2 0 1 7 l o c a t i o n L i s b o a , u s
14 INCUBATOR
The 1st startup accelerator developed and powered by a Portuguese law firm, together
with specialized partners, dedicated to the development of products and solutions for
service companies. We are looking for technology-based startups with a primary focus
in the following areas. Legaltech, fintech e insurtech.
P a u l o B a n d e i r a
M A N A G E R S T A R T U P L A B S R S
13 FINANCING
Student Finance is an educational technology company focused on helping partner
schools and universities financing students ’ education through income-share -
agreements (“ISA”) to help increase educational opportunity and empower people to
access high-impact careers.
M a r t a P a l m e i r o
C o - F o u n d e r
CF O
f o u n d e d 2 0 1 9 l o c a t i o n m a d r i d
04 BIGDATA /REGTECH
SUADE provides financial institutions with a data-driven software platform to deliver
their regulatory requirements. the company works closely with financial institutions in
developing an industry-led solution.
D i a n a P a r e d e s
C o - F o u n d e r
CE O

19 PAYMENTS
SWITCH provides the technical infrastructure for transaction orchestration across the
entire payments value chain. We believe in the power of networks as a way to unlock
additional value, so we’re committed to support projects that require interaction
between multiple participants.
R u c a S o u s a M a r q u e s
22 REWARDS
A platform where companies can offer products and services that employees really
want. #makethemsmile
B r u n o L i m a
C o - F o u n d e r
16 INVESTMENT
We’re a fintech company made up of data-scientists, investment
professionals, software developers and marketers with one mission: to be
an early investor in every British startup success story.
Gon ç alo d e V asc on ce lo s
Foun de r an d N E D
f o u n d e d 2 0 1 2 l o c a t i o n c a m b r i d g e
22 REWARDS
We are an end-to-end platform that manages open innovation challenges for
organizations or corporate businesses. The challenges are solved by our community of
innovators and the best projects are selected through our transparent and auditable
voting system
M á r i o R i b e i r o A l v e s
F o u n d e r
CE O
07 CONSULTING
To help our Clients achieve their business objectives by providing security, consulting,
IT services and new ways to innovate by helping them to develop or by developing for
them the products and services of Tomorrow.
R i c a r d o R i c a r t e
CE O

17 MANAGEMENT
We aim to put a personal finances assistant in people's pocket. Our end goal is to
democratize Financial Health.
A d r i a n o S ê n v a n o J ú n i o r
F o u n d e r
CE O
08 CRYPTO
We believe digital currencies are the money of tomorrow. UTRUST helps merchants
easily accept digital currencies for goods, and helps buyers pay with them. One
merchant at a time, we’re revolutionizing how payments happen.
A r t u r G o u l ã o F e r r e i r a
C o - F o u n d e r
CT O
f o u n d e d 2 0 1 7 l o c a t i o n B r a g a , t a l l i n
19 PAYMENTS
New Fintech startup focused on developing innovative solutions for payments market.
Simplifying the experience for consumers.
L u í s F e r r e i r a
CE O
23 SECURITY
VAWLT is a dynamic storage platform that simplifies the operation of multiple clouds,
while improving data security standards, and enabling optimal usage of storage
resources.
B r u n o S a n t o s A m a r o
C o - F o u n d e r
CE O
19 PAYMENTS
VIA VERDE was born in 1991 as an innovative technological solution that allowed
drivers to pay toll charges without stopping their vehicles. since then we have been
enriching our range of services with several applications for the Via Verde identifier:
payments in Galp fuel stations, parking lots and McDrive establishments.
P e d r o M o u r i s c a
CE O

Covering also the entire id management life cycle, VISION-BOX® delivers, to
governments and issuing authorities, solutions ranging from live biometric enrolment
stations, document verification kiosks and digital document dispensers through to
personalization systems.
M i g u e l L e i t m a n n
C o - F o u n d e r
CE O
VisionWare is the leading Portuguese company in the domain of ICT security, with a
strong customer base in the public & private sector, including industry, healthcare,
education, finance, defense and police organizations.
B r u n o Ca s t r o
M a n a g e r a n d P a r t n e r
05 CHATBOT /AI
VISOR.AI is a chatbot company. we help businesses automate their online customer
service thanks to automated replies using artificial intelligence and chatbots.
B r u n o M a t i a s
C o - F o u n d e r
CT O
23 SECURITY /BLOCKCHAIN
The global protocol for digital ID transactions. WALLID technology uses the Blockchain
to safely and privately store user’s ID documents in their own digital wallets and relies
on digital certificates and PKI technology to ensure all documents stored and shared
by users' come from a reliable and verifiable source
F i l i p e V e i g a
C o - F o u n d e r
CE O
00 OTHERS /TRANSFERS
We are dedicated to removing costs, delay, and uncertainty from cross-border
transfers. We combine the most secure and reliable bank networks with the most
efficient financial technology to provide businesses with a far superior currency swap
solution.
Ca r l o s V e i g a
F o u n d e r
CE O
f o u n d e d 2 0 1 7 l o c a t i o n u s

21 RETAIL /AI
XnFinity, Lda. (“XNFY”) is a company with a focus in AI and innovative solutions applied
to retailers.
O r l a n d o R i b a s F e r n a n d e s
F o u n d e r
CE O
f o u n d e d 2 0 1 2 l o c a t i o n v i a n a c a s t e l o
04 BIGDATA
As a global company specialising in Big Data, Business Intelligence & Analytics,
Middleware, Enterprise Mobility, and Collaboration and Development tools, we have
top products and services used by Fortune 500 companies.
P a u l o L o p e s
P a r t n e r
CE O
04 BIGDATA /AI /SECURITY
Elevating data and privacy in a world moving towards AI. Great experiences do not
need to come at the expense of users' privacy and security. Rather, privacy and security
can help support great experiences. We provide privacy and synthetic data tools.
G o n ç a l o M a r t i n s R i b e i r o
C o - F o u n d e r
CE O
At YOONIK we are building the future, combining state of the art technology in AI &
Blockchain to deliver private, convenient and secure Customer Recognition.
P e d r o T o r r e s
C o - F o u n d e r
CE O
21 RETAIL /PAYMENTS
A mobile shopping and checkout solution that reduces checkout time, while enhancing
the overall customer shopping experience. Ideal for retailers looking to improve
customer satisfaction while also reducing operational costs.
J o ã o P a u l o R o d r i g u e s
C o - F o u n d e r
CE O X H O CK W A R E

19 PAYMENTS
YUBUY® is an innovative interactive TV commerce solution that allows an easy, quick
and secure purchase of services and goods, all of which are seamlessly integrated with
the traditional linear TV user experience.
M i g u e l Ca r v a l h o
F o u n d e r
CE O
19 PAYMENTS
We create hardware and software solutions that optimize and maximize cash
management and payments processes. Our technologies ensure innovation,
competitiveness, high performance and added value to our customers and partners.
-

If you want specific information to create or bring your startup to Portugal,
check out more information in the PORTO chapter on this guide.
foreign
fintech ecosystem
Many international fintech startups have already chosen Portugal to install their offices. There are two main
reasons for that: one is the technical knowledge of the workforce and the other, the excellent conditions Portugal can
offer to install and develop a company.
There are at least 27 foreign fintechs operating with a person responsible for the market or with offices in
Portugal.
• 9 in Porto or north Portugal
• 15 in Lisboa or south Portugal
• 2 both Porto and Lisboa
• 5 neither

We make it easy for consumers to pay anyhow, anywhere, using highly secure
specialised transaction flows that support the needs of our clients. The services we offer
cover the full transaction journey from integrated EMV hardware linked to our hosted
infrastructure and payment gateway services and include online and in-app online
payment acceptance linked to onsite and ERP systems
D a m i e n E s t r a d e
G e n e r a l M a n a g e r - E u r o p e
f o u n d e d - l o c a t i o n l u x e m b u r g , p o r t o
Apiax is a Swiss RegTech that builds digital solutions to help financial institutions be
compliant with complex regulations worldwide. With us, compliance is automated and
laws are digitized, enabling our products to provide binary answers to the most
pressing legal questions through our machine-readable rules.
P h i l i p S c h o c h
C o - f o u n d e r
P r o d u c t a n d s t r a t e g y
f o u n d e d - l o c a t i o n s w i t z e r l a n d , l i s b o a
We design and build next-generation business applications that provide additional
trust and privacy. The team has extensive expertise in confidential computing, secure
enclaves, privacy-preserving technologies, and blockchains.
A d i B e n - A r i
F o u n d e r
CE O
Checkout.com empowers businesses to adapt, innovate, and thrive with the connected
payments they deserve. The company’s technology makes payments seamless. Flexible
solutions, granular data, and instant insights help global enterprises launch new
products in new markets and create outstanding customer experiences.
I v o d o A m a r a l d e A l m e i d a
S e n i o r S a l e s M a n a g e r
Devexperts specializes in the development of highly sophisticated software solutions
and services for the Financial Markets industry. Our clients are retail and institutional
brokers, exchanges and buy-side firms. Our products cover a wide array of applications,
from online and desktop trading execution platforms, risk management and fix
gateways, to one of the industry’s most encompassing offer of real-time and historical
data services.
P a u l o P i n a P i r e s
Co u n t r y D i r e c t o r , CE O
D e v e x p e r t s P o r t u g a l

Ebury is a financial services company, specialising in international cash management
solutions including cross-border payments, FX risk management, and business lending.
Our unique product offering helps businesses to accelerate and simplify international
finance. We provide expertise and excellent customer service, usually reserved for the
bank’s biggest customers, with our innovative technology and unrivaled capabilities.
D u a r t e L i b a n o M o n t e i r o
Co u n t r y M a n a g e r f o r S p a i n &
P o r t u g a l a t E b u r y
ETFmatic provides you with an easy way to manage your investment goals. We use index
based investment strategies and Exchange Traded Funds (ETFs) to construct and manage
unique investment portfolios tailored to your personal preferences and circumstances.
L u i s R i v e r a
Ch a i r m a n o f t h e B o a r d
f o u n d e d 2 0 1 4 l o c a t i o n L o n d o n , l i s b o a
For more than a decade, eToro has been a leader in the global Fintech revolution. It is the
world’s leading social trading network, with millions of registered users and an array of
innovative trading and investment tools.
T a l i S a l o m o n
S p a n i s h & P o r t u g u e s e
R e g i o n a l M a n a g e r
Euronext is the leading pan-European market infrastructure, connecting local economies
to global capital markets, to accelerate innovation and sustainable growth. It operates
regulated exchanges in Belgium, France, Ireland, The Netherlands, Norway and Portugal.
I s a b e l U c h a
CE O E u r o n e x t L i s b o n
FinChatBot is the South African leader and expert in developing Conversational AI
Solutions for the Financial Services Industry. FinChatBot helps digitalise, guide and
continually optimise important customer interactions including Customer Acquisition,
Customer Care and Debt Collection.
Á l v a r o A m o r i m
D i r e c t o r P o r t u g a l M a r k e t

Portuguese Fintech Guide 2020 2021 Ver. 01

Portuguese Fintech Guide 2020 2021 Ver. 01

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