Top 12 Fintech Startups in Finland 2025

What are Fintech Startups?

Fintech startups are innovative companies that harness technology to revolutionise the financial services landscape. Operating across diverse sectors such as payments, lending, wealth management, and insurance, these startups leverage cutting-edge technologies like artificial intelligence and blockchain to offer efficient, user-friendly, and often disruptive solutions.

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From digital payments and online lending to robo-advisors and blockchain-based financial systems, fintech startups aim to enhance accessibility and convenience in financial transactions. Their agility, focus on customer experience, and commitment to technological advancements make them key players in reshaping the future of finance.

Top 12 Fintech Startups in Finland

Voima Gold

Voima Gold, led by CEO Markus Malmi and COO Joshua Scigala, is situated in Vienna, Austria. Since its establishment in 2015, the company has emerged as a prominent provider of gold-backed financial solutions.

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Voima Gold's innovative platform enables users to seamlessly conduct gold-related transactions, encompassing buying, selling, storing, depositing, and withdrawing gold. While specific financial details are not publicly disclosed, Voima Gold has gained recognition for its dedication to reshaping conventional financial paradigms through gold-backed accounts.

Silo AI

Established in 2017 by CEO Jere Laaksonen and CTO Peter Ylen, Silo AI stands as the largest private AI lab in the Nordics. Headquartered in Helsinki, Finland, the company is dedicated to delivering state-of-the-art AI-driven solutions and products.

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Silo AI plays a pivotal role in advancing artificial intelligence technologies, making significant contributions to the AI landscape in the Nordics. Although precise financial information might not be publicly available, Silo AI's prominence in the field underscores its influential role in the AI sector.

Tesseract

Founded by CEO Lex Sokolin in 2019, Tesseract operates as a regulated digital asset innovator, focusing on institutional brokerage and asset management. Tesseract has swiftly become a noteworthy entity in the digital asset space, offering inventive solutions.

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The company's emphasis on regulatory compliance and services tailored for institutions positions it as a significant contributor to the evolving landscape of digital assets. While specific financial details may vary, Tesseract's strategic focus on digital asset management is evident in its operational philosophy.

Aico

With support for account reconciliation, close task management, journal entry, and financial request processes, Aico is quickly on the journey to becoming a premier intelligent financial closure automation provider.

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Tens of thousands of users in more than 100 countries trust Aico’s intelligent financial close automation software under the leadership of Marko Voutilainen (CEO of Aico). The company serves a wide variety of industries, including utilities, retail, healthcare, construction, manufacturing, and many more, and its customers range from well-known global companies to local experts in each.

An R&D division is located in Latvia, while regional offices are located in the United Kingdom and Germany. Aico is a Finnish company with headquarters in Espoo and founded in 2019.

Equilibrium

Established in 2015, Equilibrium is a company dedicated to designing, building, and funding core infrastructure for the decentralized web. Although specific financial details are not publicly disclosed, Equilibrium's commitment to developing decentralized digital ecosystems is apparent in its operational initiatives.

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The company, headquartered in Vienna, Austria, plays a pivotal role in advancing the infrastructure supporting the decentralized web, contributing to the global growth of decentralized technologies. The founders and key figures driving Equilibrium's success are not explicitly mentioned in publicly available sources.

DIAS

DIAS, a creation of Tomorrow Tech, stands out as a blockchain-driven digital trading platform designed for the residential real estate market. Founded by Peter Gassner and Oliver Lipkau in 2017, the company is headquartered in Vienna, Austria.

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Employing blockchain technology, DIAS facilitates transparent and secure property transactions. Although specific financial details remain undisclosed publicly, DIAS has gained recognition for its innovative approach to revolutionizing real estate through blockchain solutions.

Arctic Security

Established in 2017, Arctic Security serves as a cybersecurity entity specializing in the development and operation of a cyber threat intelligence analysis platform. Headquartered in Oulu, Finland, the company concentrates on providing advanced solutions for managing cyber threats.

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While the founders and precise financial information are not explicitly outlined in publicly accessible sources, Arctic Security's role in bolstering cyber threat intelligence capabilities underscores its significance in the cybersecurity sector.

Sortter

Functioning as a financial services comparison website, Sortter empowers users to compare diverse financial products. Despite specific financial details and founders' names not being readily available, Sortter, founded in Vienna, Austria, has established itself as a valuable hub for individuals seeking comparisons of financial products.

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Since its inception, Sortter has played a pivotal role in augmenting transparency and consumer choice within the financial services realm.

SmartDrive

SmartDrive, a platform focusing on usage-based auto insurance, aims to revolutionize the auto insurance landscape. While founders' names and precise financial details might not be explicitly mentioned in publicly accessible sources, SmartDrive, originating in 2017, operates with the mission of providing innovative solutions in the auto insurance domain.

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The company's location and strategic initiatives in the insurtech sector contribute to its relevance within the evolving auto insurance landscape.

Front.AI

Established by Front AI Ltd., Front.AI specializes in delivering conversational AI solutions tailored for customer and employee service. Founded in 2017 and situated in Helsinki, Finland, the company concentrates on harnessing artificial intelligence to elevate customer and employee interactions.

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Although specific financial details may not be publicly disclosed, Front AI's commitment to advancing conversational AI technologies positions it as a noteworthy player in the AI-driven customer service sector. While the founders and their backgrounds may vary, Front AI's impact in the AI space is evident in its operational philosophy.

Invesdor

Invesdor is one of the biggest crowdfunding platforms in Europe, focusing on crowdfunding and impact investing in the financial sector. It connects companies looking for investment with investors. Invesdor allows investors to buy shares in companies, giving them the chance to be part of a company’s growth before it goes public.

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The platform was created to make raising funds easier and to let everyone invest in new businesses. Invesdor works with private and public companies from Finland, Sweden, Norway, Denmark, and the UK, and has investors from over 70 countries.

PikaPay

PikaPay is a mobile app that lets people skip the line when shopping, saving them from waiting in long queues. It also helps companies manage their payroll on the blockchain, keeping information secure and private.

PikaPay platform allows users to order and pay easily using their smartphones, making them personal self-service cashiers. Originally focused on the retail industry, PikaPay has now expanded to student restaurants and bars. We are working step by step to remove queues and improve service through self-service.

Frequently Asked Questions (FAQs)

Name the Top 12 Fintech Startups in Finland?

Voima Gold, Silo AI, Tesseract, Aico, Equilibrium, DIAS, Arctic Security, Sortter, SmartDrive, Front.AI, Invesdor and PikaPay are Top 12 Fintech Startups in Finland.

Who founded DIAS Startup?

DIAS Founded by Peter Gassner and Oliver Lipkau in 2017.