So who are these pioneers leading us into a brave new world?
Meet our top seven fromX-Europes latest batch offintechstartups.
Abroaden
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Taking meetings from the beach sounds pretty nice, right?
Enter:Abroaden, a Spanish wealth-building platform made for people living abroad.
Fincludewants to revolutionize the notoriously opaque world of creditworthiness via an embedded finance solution.

The pan-European fintech analysis uses transactional data and spending patterns, offering a more transparent option for affordability assessment.
Her companys model is focused on tackling the exploitation of customer data for profit.
Thisblockchainbased system allows for more resiliency to outages (increasing cybersecurity) and provides a privacy-friendly solution.
Robert Ilijas, CEO of Identyum explains:
The Internet was once a fundamental tool for societys progress.
And this is backed by investor confidence as the company recently closed a700k seed funding round.
Togggle is building a solid and transparent infrastructure for the identity layer.
At the moment our focus is the KYC process for web2 and web3 companies with a web3 architecture.
With this overview they can then completely decentralize where their data is stored.
Liridi
BNPL is one of the hottest trends to come out of fintech in recent years.
This, Liridi says, empowers underbanked entrepreneurs to grow their business sustainably.
Learn moreabout these and other up and coming fintechs ready to disrupt Europes financial sector.