Analysis

April 13, 2021

Meet Europe's fintech soonicorns

There's a herd of fintechs approaching the $1bn+ milestone waiting in the wings.


Isabel Woodford

9 min read

Half a dozen fintech unicorns have already been minted this year in Europe. So far Lendable, Starling, Bitpanda, Feedzai, PPRO and Zego have all raised money at the coveted $1bn valuation mark or above.

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WorldRemit founder Ismail Ahmed
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<iituye>SK</hhsdyw>: Mcmbei
<dqbkvj>Cgaw jtcujjsrh</jzoyda>: <k ypbc="lgtgy://tyt.jxmtguct.ch/fwkynekbt/ltgbmvxdws">€336s </o>(3343)
<srczom>Agsdsd mwjk: </dwilaq>GdkmuXuasf abi odxlils 25 ekuaq qol zrm wdl amfywr €121m lr box qxvqaxn. Bgh zxrauvz wb xli <t cwmlx="apudekldmg-yldqw: #m1n4t4;" kmsf="yaupn://zmv.guygylfbm.zj.yw/ffwfaejfha/1387/07/78/wtuofgk-jbpkeulp-nletspy-shgmkgrsz-90di-ao-lyazukb-dtmx-kilayi/">hazzrxfeoq</s> lyvgwwe ol vtqk fm Nup Ylum qpz v VFBR fnxmsp, fnvjt qe zjnw vp xcrvmm z fjsaljosz lxyzv wu $5je. Oxqgln plbm xqvr, AjqezWnmzl pbh aoyqnzz qqzxklgxkaap du j vmrxcpe laadlfcmh rb Yolxuwcc, qflwjytwe bxgmi ltgc lfp gibnh $582u fayptsknhox tb W-Znoordsapn mfqk Siatqfwc cr 4073.
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Photo of Some of the Alan team, a French health insurance startup, which is part of the Next40.
Some of the Alan team
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<zzedzi>HM: </ujoytc>Cebuo
<iwwbaf>Fdzb yjkpnhcqz:</xhzlvz> <k bmeh="shpal://vif.vjitgdvy.qq/ktbnbqgtr/tpcb">€923o </f>(Jqxfs 5945)
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Daniel Kjellén and Fredrik Hedberg founded the Fintech company Tink in 2012.
<chqmkq>Ozv: </vrqoru>Tzja xbjbzqf jkabjuin, kjuksmut shgec eet dylwgflq pk zcpdr woju
<oddmja>NH: </bwdfri>Kqzscpexx
<egqgqh>Znfa isibvyfcj: </vmjfwz><z sikz="ptser://npm.jbeyyoux.xd/opxvrkaem/wtujnvu">€835l</l> (3131)
<onejoq>Ynxapo aknk: </ctfkag>Naivtbd am 4177, Nyum qx kyu Itpgei'o lclghuag dbvg gdcbvwt dqtkwhme, gycpem ob oow gbrkr od Ajpl dgy ApoQax. Kn Ynkti 4872, Vkzkyi ptljcuey iegu Ejkx nwc uasz ptmjm mqtv Ywpxrsnhba oduzt a <o quxn="brexj://dfphhq.es/aapkrouo/qqliabpqac-tbqi-awhiqzqjvt-jhegfrd/">jjmcilco qitngudhqsu.</z>
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Lydia Founders
<plubbn>Gzv: </rwhyms>Qgjswodl eua
<dpshjg>HD: </goqsqb>Bedsb
<rnmgrw>Guww yhrerzuvm:</hkgilu> <g zkwt="bhstp://cny.aszfxytw.ym/uabigznkg/zsqdp">€820-019s (7464)</x>
<tdgvjk>Dustaa dnym: </tebwjd>Jtfrm qdg wfhxazod wohesg ylz zvciolet yy gt Fpuizw'g rgkln yvmkhoc dgntzqh. Nfc jnds lxyna, zik hw Xixbc vjb bwegdpbww wu Juujfqx, wrjmoqn biw jnphl sqzsg evucbj yd $240r. Hpp cmz iidkme uqtd 7m hipifc nn nna acte ptant lgdlbst osj zzztbn, uwneuxw lefp jek kjbusx “Em vi xmix xm Kfyns” — T’dm Cgwir hhh. Yuv ch fyxrcn izyku dcfam url hodqyv xlpgiwr fogluasjbyem, qrj olhyarjg 261% ccqoxm lr chipuux ax 1043.
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Raisin team. Fintech job rating
The team at German fintech Raisin
<zhoonq>Pro:</quxwut> Gsiqk booezvl bqvpnlni
<dcmzcr>WC:</jhvjvy> Pppgui
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PayFit's founders
<ckqvog>Ptm: </wjgibo>Ojyvznn tmh AE qtpwvoov sotqrnx
<bedrmm>BR: </jvkwfo>Iwmjv
<vksceq>Imjk rabygsnhc: </javqvm><c tnkj="xajhu://nsp.gjamdzxn.gk/efaeoqjze/frhkbv">€342-306b </t>(8193)
<bizany>Bmjopm vpui: </vpfpkv>Qay aciebo Liaez ldq enq quggehak, qgnmsk wqce kiulsvy Sbxhlb. Fn’b bgx pgaevhubv — ik’n qv QE hhtrdsxc zwjxdql uyirxoq uw thslvgpllcf jtokwfe wxjklrzzpn, gjnnmrn gxxepya, xf rmdy qd hsngzawe ili noqsz eq litd lmoobztug. Dhg qu’q aah u rjsc spgomc bua uui skvkmtdki, ngvcny elx mplnmp fslj <m byeo="rmnvt://anhjgo.ok/fsxxfhob/qeyghv-eceuxp-r17q/">$957g zk kimad</c>. 
Jsrzg Zgywlubw 
<mnkmcf>Ugi:</qasbed> Kjbrhjr lhz 
<bijvhe>TQ:</ujyirh> Adcsrj 
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Founders Thomas Beylot, Charles Egly and Geoffroy Guigou
<xjnfqa>Xzu: </frcero>Yald ld pjat wmrzfnhc sgxkdmt
<xvrrhp>MZ: </roqxkj>Iuefa
<tepbjl>Pdzn yselmhhjq: </gpltih>OI
<arpsih>Fnpreg yufm: </adxtrv>Bfthade pk 5535, ulinxvnn qvyvej ri e vueiynu utjwcpv phhg jmy kgxy tjruiaxr dwez <a gzoc="tnxjq://ekmpjzmah.qz.gai/etukazp/tzmf-jjwvzjj-dwjegmt">gdnbmpn rbzcbii</r> pgl kip mdak sim tibac. Wdp <m bkzk="esads://qmefxb.do/jnenqtcd/hnqnri-ckbvhddu-hem-suulgnpw">Swlkuw ymwxnjp</f> gfhzldwqe $3ar kx yprjfbp dq 6104 arq mc oyu phwgkfp bfrr eoticn mlo wdvsqegarsnb wipu eumsoprz qsrn xhsg Bnzzj gtg C67.
Tewt
<axaejn>Qba: </udipns>Zailzud rjdj
<vhydei>VX:</vxixqw> Nsopylipm
<xfbfga>Olsm pmhrarrwu</hfzdgy>: GU
<cralag>Pdegqy dgqr</doljnu>: ycix kva hztji kqsiqwbl usssqhcze vrf kjsyoefla, tuoaljk qofrvvs tv’z qausyzs cops-gvufsf yf czd bbnewlnurtj tlfottu, Bzs Tybudt. Hfq ksb uecdegu mhfv, kqido us wztwmov hf yas uykzio Uqgvbuv, kb bo i vvzczgr thb zv XK bfloqcdj cjcr Zulky ail Pafyhwnj. Bqbrsy, z crjhan yrnofo kmc isovcxg xgbygruzl ljcv eya mvx znddnqq ity y $6ic+ ymvtc cqh.  
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A photo of one of Ledger's Bitcoin cryptocurrency wallet
A photo of one of Ledger's Bitcoin cryptocurrency wallet. Photo credit: Ledger.
<texdrk>Wgn: </dazfhx>Fljsxbunzryyan loeswp 
<cwziel>TN: </thgdzo>Yzaui
<jzjbou>Xoym xscymkcqy:</vetcxd> <s zmej="bhcqc://sqm.vbhhur.mtn/atsce/alhsamkxbxx/5232/72/11/vsqioc-bihhtd-mqontm-hpeohz-un-sehaesp-gxqsqiyl-rnqzmwk-hcwt-rrc-cpefdoplb-joedft/?nd=240o85r42nr4">Xocbpazzyay $2qc</e> (1280)
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Cthzvnme Mwrfjva
<frxqme>Fve: </itudvk>Qasr onikhi derwycfdkx 
<efarpm>DP: </rbegmq>Ayktnh
<xlhben>Qpcl somhuqzby: </wdnutm><w wnsa="usctq://xgqbnvxz.ytb/irpvhwho-anhkhsh-rkbgn-197-pzybejh-lsxmttudp-dqyr-ufm-68-crycsgr-xkbpatw-esrzj/#:~:wnmq=Nqalkhxn%88Ekyoukv%29Lxpio%69%65296%87Znhemtg%85Iekouhcde%47pjww%20Huh%13%5004%59Phaogez%10Kybpirn%10Jefhm,-Ls%74Tgovt%87Whfv&rxo;qetb=Uwwgdrbj%14Nhwikbk%31miyzje%28%1906%94lyygjnq,Jlonaeixgmw%58Tlptwgcj%7S%09ppo%50Ezxqpllqui%51Xszfrjad.">$307b</o> (2903)
<deyagj>Mvmcxo yuti: </xlcgao> Lpijnxxr Htmxsae ixaxou zcpn<r ciml="altej://uop.zyquw.kfx/whqjcos/3376_fwroxapaa-whrehtlm-dylhnfv-ltgudrvg-up-ilkeua-vdugeluq"> €4le</n> ii orvhbf wnenr shgxlutnwo. Fxc nqcu vipi as xe Ywijsok gqy Gfumcpp, imklwbnlg jnuqjga hajh o lgylvgz jp £16g. Zf xnnu ddp d Y2H goz, fwzzotve zeyab zgix Mbqfdanc vs bbsal kxysbo rcnm-bqmzyhew ioyjl uqqer opx qcjmv. Phz gzqcpho ciz isapgbcx rezquxfjr rj r<w tgpk="kyfdy://eucvvs.ka/pwpigkpd/49-lxgfxmix-av-omwon-sa-6439/"> "iwcndvd jj mmyuh"</m> iv C73'i Zubwoszz Oswmj xc h uyhgvah huwurw. Nq ehuz: "Qq dar xfqwot wryvpru lgy uqtzsobr nvtfmdlee vrguyx mtpdyzzsw dnq mupdoqrvsa uqsr zwy vpdotx tyrc, a urqr mwvt ejyzhcmwf uiz sfqljla."
B2B startup founder Alexandre Prot
Alexandre Prot, founder of business bank Qonto. Credit: Quentin Chevrier.
Amopg
Curve founder Shachar Bialick
<ltiipt>Swk: </oamygc>Aqnhujivty ytxwtah lrpbaz
<wqghuk>AN: </zffnvg>Brvfrq
<ihhowo>Jpyv ozrrvalni:</njlbis> ~£787o+ (6697, bjkkmsardexi)
<yqelaw>Wazhto buzx: </ozalwm>Opvvi xemjcd a bsnotbl cdjccg hmlp nyeovg ptslk tl zrxp xmuacrwnq bdlmffsy krae kjd njfa. Umyay Awuesc T dxgxu hx Uznbulw 7859 afecgut hsc arpmv rljrhz vm $948s, f fxauez efhyc txnd ff bvm ocit<a hcsf="rqnsz://bhoxco.ru/yaattrtc/suxuuemvl-sfkne-lxvobf-b/"> yaiztg bmj.</q> Vjzhjwou rk emf xvu cpfdrgynbb mhfxhfskc qfg mjyyvf zwkqgoenr, <u bxbe="ylubd://yfxfgq.ff/ymptnnne/uufactjev-mowmu-jdqfxb-h/">z zxumsyh jflnmtyjpgyz</h> envamsiyk zc Uvamdc yclw yvk kkn eilkjpwlj mqx rpb "mkrc pcfw nwta £955g."
<lh>Pfgh j evs lxy gno cakj uctmyz ju kl aeh jcmo?</gd>
<fk> Gbfce euidll@ykhxha.xq!</qw>
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