Startup Information Pack

STARTUP INFORMATION PACK Selection days | 28th - 29th of July 2016

The Startups Blueopes Enterprise Bot EuropeOne GoSherpy ID-pal Kyolab Magneta moBILLity Monuva Multilender OctoBank Paylinko Penta Bank Sirenio Trakti TransferFast Whitehall Zenith One Zeroflows

Blueopes Automized wealth management service focused on sustainable investments Country: Hungary | City: Budapest | Employees: 4 Year Started: January 2016 | Sector: Wealth Management Product stage: Prototype | Website: blueopes.com Team Product Team Founders: What is it? Automated investment service focused on socially Balazs Faluvegi, CIO/CEO responsible investments (“SRI”) for millennials who do 10+ years of experience in fund management, not have access to affordable and sophisticated investment and SRI focused wealth management financial advice and do not have the option to reflect Miklos Kovacs, COO their value preferences in their investment portfolios. 10+ years of experience in fund management, venture capital, business strategy and startups. Currently Revenue model: Software as a service (SaaS) working @ iEurope Capital, a US based venture capital fund Scalability: Ferenc Szalai, VP of Modeling Previous funding: N/A 10+ years of experience in technology, programming, Average monthly revenues: N/A building financial models using quantitative techniques Planned fundraising: 200,000 EUR Gergely Szanto Experienced software engineer - currently working @ LogMeIn Employees, Advisors & Investors: N/A Market What is the need or problem being satisfied? Wealth management in Europe is a major market opportunity given the very low level of confidence in the financial sector and the ageing of Europe’s population together with the lack of affordable advice. Competitive Advantage: - Automated wealth management solution focused on socially responsible investment ("SRI") - unique portfolio optimizing algorithms, using ESG as a factor, SRI-focused product features (e.g. measuring triple bottom line effect on the users’ portfolio), - As more data is collected, portfolio recommendations get better over time as the AI improves - Unique access to developer and math talent in the CEE region at a reasonable price point Market Size: Wealth transfer from baby boomers to millennials ($30 trillion in the US) to take place over the next few decades will offer a massive opportunity for SRI-focused advisors, given that 67 % millennials believe investments ‘are a way to express social, political and environmental values’ (compared to 33 % of baby boomers).

Enterprise Bot Faster, Cheaper, AI Powered Customer Service Agents (BOTS) for business Country: India | City: Pune | Employees: 5 Year Started: March 2016 | Sector: B2B/Enterprise Product stage: Users | Website: enterprisebot.org Team Product Team Founders: What is it? We are creating a bot for companies that will take care Pranay Kumar Jain of their customer needs and complaints using AI and Studied Economics and Finance at Bentley University. 3 NLP. This product reduces costs by 85% of call centers Years of AI and NLP experience and reduces wait time by 90-95% compared to call Viral Hingarh centers Studied management in IIM Indore. In banking for the last 7 years with significant domain expertise and Revenue model: Licensing connect in banking Sandeep Jayasankar Scalability: Studied at NITI Mumbai. 8 Years of AI and NLP Previous funding: N/A experience Average monthly revenues: 26,000 EUR Ravina Mutha Planned fundraising: 1,500,000 EUR Studied Marketing at Bentley University. 6 years of Marketing and Operations Management Experience Employees, Advisors & Investors: Nitesh Palresa, Advisor Market What is the need or problem being satisfied? Bank customers want to have access to their data immediately and conveniently. A lot of the queries that are nowadays handled by costly call centers can be taken care of by AI-powered bots. Enterprise Bots thus reduces costs for banks and increases customer satisfaction by providing immediacy and clarity of information. Competitive Advantage: We have been able to use years of experience to create a system that is a mix of unsupervised learning using past data and supervised learning based on intents and customer requirements. As we are a small team we had no legacy software that we had to be dependent on and were able to use the cutting edge of what was available like spacy to create a robust system Market Size: The market for Customer Service and call centers is over $30bn with every large and medium size company needing the same

EuropeOne Specialist for smartphone-driven cross-border banking throughout Europe Country: UK | City: London | Employees: 5 Year Started: August 2014 | Sector: Retail Banking Product stage: Idea | Website: europeone.com Team Product Team Founders: What is it? Europeone will focus its efforts on technology Anton Sergeev development that will enable or vastly simplify cross- LBS MBA, more than 15 years in investment banking border banking. Europeone’s novelty lies partly in its and asset management. Successfully launched several simplicity enabled by innovative mobile app features, ventures. removing unnecessary barriers to create an account Philipp Buschman and handle financial transactions, multilingual LBS MBA, IT development and consulting background, interface, free/low-fee remittances and accessible serial entrepreneur, took one of his companies public anywhere (and anytime) online. in the USA Revenue model: Direct Sales Employees, Advisors & Investors: Scalability: N/A Previous funding: N/A Average monthly revenues: N/A Planned fundraising: 1,000,000-1,700,000 EUR Market What is the need or problem being satisfied? It is very difficult for people moving from one country to the next to get access to a local bank account allowing multiple currencies. In addition, money transfers are expensive and take time. Europeone is a pan-european bank addressing these problems. Competitive Advantage: Our business model minimises charges for account usage while focusing on the range of services offered, eliminating transfer fees wherever possible, improving fx rates and tailoring asset management products. We aim to grow aggressively and remain purely an online/mobile bank, innovatively engaging a range of alternative transaction channels. our costs to acquire customers will be significantly cheaper than competitors. Market Size: 20m Europeans working abroad within Europe and change countries and accounts regularly. 70m have regular cross-border banking needs. These numbers grow by around 10% p.a. Our main competitors are traditional remittance providers (i.e. Western Union) and retail banks (Unicredit, CA, etc). Challenger banks (i.e. Monese).

GOSherpy It’s a safe automatic virtual piggy bank Country: Italy | City: Rome | Employees: 3 Year Started: January 2016 | Sector: Money Management Product stage: Prototype | Website: gosherpy.com Team Product Team Founders: What is it? GoSherpy is a virtual piggybank. It helps users make Umberto Canessa, CEO & CTO small & automatic savings to reach their goals (I.e. Studied Business & Economics @LUISS and started travel, buy product). Revenues are not based on developing with GOSherpy in January. Country interest, at least initially. Reaching goals is more sexy & Manager Italy @ Lean Startup Machine. 3 years concrete than saving itself. Consists of native app plus experience as consultant for startups and company web application (Web dashboard) innovation. Bartolomeo De Vitis Revenue model: Marketplace MSC. w. Honors @LUISS in Finance, 5+ years experience as consultant for startups and company Scalability: innovation. Previous funding: N/A Chiara Lo Cascio Average monthly revenues: N/A MSC. w. Honors @LUISS in Innovation, BA in Marketing. Planned fundraising: 250,000 EUR Managed a University Incubator & Pre-Acceleration Program. Loves UX. 5+ years experience as consultant for startups and universities. Employees, Advisors & Investors: Eric Chambers, Advisor Mauro Beretta, Investor Market What is the need or problem being satisfied? Customers find it difficult to save money whether it is for travelling, for a new camera or even just small monthly amounts without avoiding financial interest or opening new bank accounts. GOSherpy solves this problem by managing small savings online effortlessly, immediately and also for free Competitive Advantage: Our revenues are not based on financial interest like all other similar services (Banks, Digit, Ovalmoney, Acorns). Moreover, GOSherpy’s culture & UX consists of emotional, social and rational incentives. An experience traditional banks might not be able to achieve. Market Size: Instalment Market. Consumer credit loans for private consumption (direct personal loans, revolving credit & non-automotive credit granted @POS) amount to 180bn EUR representing 50.5% of new credit lending in 2014 (+3.7% from 2013). Of these, revolving is 52%.

ID-pal Seamless and secure identity verification Country: Ireland | City: Dublin | Employees: 3 Year Started: March 2016 | Sector: Finance/Admin Product stage: Prototype | Website: id-pal.com Team Product Team Founders: What is it? We are building an app at the front end for users to James O’Toole, CEO capture, upload and transmit personal information to Was most recently the Global Partnerships Manager for the business which they want to engage. Our back-end the Ellen MacArthur Foundation (Responsible for Cisco, API then enables a suite of checks to identify the Google, Philips, Renault & Unilever accounts). individual and verify his/her address. Finally a pass/fail Previously James was a management consultant for verification report is generated and uploaded onto a Accenture. secure portal in the cloud which can be accessed by the Colum Lyons, COO business for review. Is a stockbroker with over 13 years experience within the financial markets. He has a BComm from UCD, is a Revenue model: Licensing Certified Charting Analysts and a Qualified Financial Advisor. Scalability: Patrick McClafferty, CFO Previous funding: 5,000 EUR Is a Partner at Nexus Taxation a specialist financial Average monthly revenues: N/A services tax advisory firm based in Dublin which he Planned fundraising: 50,000 EUR founded in March 2015. He has a BComm and MAcc from UCD and is also a Chartered Accountant and Chartered Tax Consultant. Employees, Advisors & Investors: N/A Market What is the need or problem being satisfied? Rather than a customer presenting identity documentation in person to the business or having certified copies endorsed by a notary and sent via the post, ID-Pal provides an app based solution for individuals and businesses to satisfy client due diligence requirements anytime, anywhere in less than 5 minutes. Competitive Advantage: Prevailing industry practice at present is an ad-hoc scanning, printing, certifying and inspecting procedure. RegTech competitors are focused on offering technology specific plug-in solutions for large cap clients to integrate into existing legacy systems. ID-Pal offers a broader suite of verification checks, packaged in a customisable off-the-shelf solution, specifically targeting small to mid-cap businesses via licensing / managed service model. Market Size: Anti-Money Laundering (AML) legislation comes from the EU and applies to all member states. The US would also abide by similar regulation. In the UK alone, over 18 million ID&V transactions last year at average cost of £30/€40 per applicant. Nascent but rapidly growing market.

Kyolab B2B Mobile Compliance, Monitoring & Archival for IM such as Whatsapp and WeChat Country: UK | City: London | Employees: 2 Year Started: November 2015 | Sector: Banking & Accounting Product stage: Prototype | Website: kyolab.com Team Product Team Founders: What is it? Enable mobile monitoring for compliance purposes, Jan-Michael Gorecki, CEO regardless of device or type of communication channel Msc Mathematical Trading & Finance at Cass Business used, with a core focus on mobile chat. Allow clients to School, BSc International Business Finance at choose their preferred mobile communication, e.g. Maastricht University. Banker, Trader, Analyst, Project WhatsApp, WeChat or Skype, while remaining Manager, Sales, Generalist. compliant. Bespoke solutions, archival services, data Michael Zhan, CIO analytics, early-warning system. Helping clients avoid Computer Sciences at Indiana, US- Software Solutions non-compliance fines for clients. Architect, Developer, Troubleshooter Revenue model: B2B subscription per client/month, Employees, Advisors & Investors: setup fee, volume discounts, customizable. Add-on, tiered services. Possible non-exclusive, regional N/A licensing. Scalability: Previous funding: N/A Average monthly revenues: N/A Planned fundraising: 160,000 EUR Market What is the need or problem being satisfied? Social messaging apps are vastly popular, but at the same time may put an enterprise at risk. Sensitive business information can be leaked easily through a large number of proprietary, non-monitored and thus non-compliant mobile Instant Messaging apps. Competitive Advantage: Our focus on monitoring mobile chat apps, non-invasive device management, and given a lack of similar solutions, we will currently be the first ‘All-In-One’ mobile compliance solution to market. We aim to offer customizable monitoring for chat apps, messaging, email, and phone. We will need to legally protect the methodology, it is complex and not quick to replicate. We seek to diversify through data management, analysis, telemetry, prediction. Market Size: Regulated institutions (finance, telecom, corporates, government). Inelastic, growing demand for mobile compliance. Competition: GlobalRelay, Smarsh, Actiance, IPC, 3CX, other.

Magneta AI-powered messaging system for customer support Country: Russia | City: Moscow | Employees: 6 Year Started: September 2015 | Sector: CRM Software Product stage: Users | Website: magneta.ai Team Product Team Founders: What is it? We give to the enterprise powerful customer support Nikita Filippov, CEO tool via chat. Studied jet propulsion at Samara State Aerospace. Product Manager & Entrepreneur from 2008 We create supervised learning based models on chat Audrey Pachay, CTO logs so that we create automated answers to reduce Studied Industrial electronics @ Togliatti State the amount of people at help desk team and increase University. Developer/SW Architect for 13 years, Data the speed of response to the customers. Science Engineer for 2 years Vechaslav Akulov, COO Revenue model: Software as a service (SaaS) Studied Customs Law & Finances @ Russian Customs Academy. Product Manager for 5 years Scalability: Previous funding: 150,000 EUR Employees, Advisors & Investors: Average monthly revenues: 5,000 EUR Planned fundraising: 600,000 EUR N/A Market What is the need or problem being satisfied? Provide banks with an AI-powered helpdesk to automate customer support, enhancing customer experience and eventually freeing resources for the banks Competitive Advantage: We are creating automation using machine learning algorithms & neural networks. It is hard to define truly competitive advantage, but true is that is an experimental area. And we can lead by running this experiments early than others and gain data and knowledge. Market Size: $40 bln market of CRM Solution and it growth for 20% every year. 8 of them is customer support using live- chats. We're focusing on Banks & Insurance.

moBILLity Revolutionizing the way we all deal with our finances Country: UK | City: London | Employees: 3 Year Started: March 2016 | Sector: Banking & Accounting Product stage: Idea | Website: mobillity.com Team Product Team Founders: What is it? We aggregate users’ bank accounts and e.g. utility Lukas Christian Zoerner, CEO accounts & show them a dashboard of their finances. After graduating from University of Mannheim Through connecting payments with data (like bills), we (Business Administration). Lukas worked as an are able to analyze the user’s datastream and if e.g. investment banking analyst at Morgan Stanley advising cheaper energy providers exist we allow him to switch clients from the power & utilities sector with a special via our app. focus on Germany, Austria, Switzerland and the UK Julien Deray, CTO Revenue model: Once a user switches his e.g. energy- After graduating from engineering school, Julian provider and saves for example £1,000 a year with the worked as the only Tech employee at FinTech startup new provider, we take a 10% share of this achieved PDX Technology. During his studies it was mandatory savings. to complete a longer industry placement which he performed at Serli. Scalability: Previous funding: N/A Employees, Advisors & Investors: Average monthly revenues: N/A Planned fundraising: £150,000 Jose Vicente Chavez Hernandez, Employee Market What is the need or problem being satisfied? Consumers don’t have time & know-how to handle their finances but nevertheless want to improve their financial situation. Competitive Advantage: Through combining personal finance management, price comparison websites, bill management and in the future also bill payment (through PSD2), we offer our users a one-stop solution which deals with all their finances in one place. This platform concept allows us in the future to scale through on-top products like e.g. automatic investments of saved money. Competitors show users how bad their finances are but we are the ones improving them. Market Size: We waste ~£800/pa by having overpriced/oversized recurring contracts for energy, mobile, etc. Hence c. £20bn could be saved every year if all households switched to better contracts. Aggregators don’t see that showing users how bad their finances are is not enough, and switching platforms don’t see that users need a one-stop solution for finances.

Monuva International cash management for SME’s to manage & collect client payments Country: UK | City: London | Employees: 3 Year Started: April 2015 | Sector: B2B/Enterprise Product stage: Users | Website: monuva.com Team Product Team Founders: What is it? Monuva is a cash management solution for SME’s James Shattock designed to make it as simple as possible for them to The only full-time employee, 10+ years of FX and manage and collect their customer payments from payments experience around the world whilst getting complete clarity on George Goodchild their cashflow position Was lead architect on Moneycorp’s GPS platform (currently the platform that processes £15bn/year in FX Revenue model: Marketplace trades Scalability: Employees, Advisors & Investors: Previous funding: 40,000 EUR Average monthly revenues: 10,000 EUR N/A Planned fundraising: 450,000 EUR Market What is the need or problem being satisfied? SMEs have to run multiple unconnected accounts in order to trade which masks cashflow and is a drain on their limited resources. Monuva solves this. Competitive Advantage: Networked structure, ultra-low cost payment and FX capability, low overheads, low-cost customer acquisition strategy & the variety of complementary revenue streams enables Monuva to compete effectively in any particular vertical whilst creating a number of distinct advantages. Market Size: Target 23 m SME’s in Europe (5m in UK) currently growing at 8% per year B2B payment flows globally worth up to $300tn (1 in 3 goods crosses an international border). Indirect competition: An SME would need to open multiple unconnected accounts to replicate a single Monuva account - Paypal, transferwise, linkedin, worldpay, tradeshift, earthport

OctoBank A personal banking/financial service based on customer transaction and behaviour analysis Country: Russia | City: Moscow | Employees: 10+ Year Started: December 2014 | Sector: Banking & Accounting Product stage: Users | Website: octobank.com Team Product Team Founders: What is it? It’s a multi-banking app where people can connect their Irakli Agladze, CEO current bank accounts (according to PSD2 directive, or Product Manager with extensive client service other available APIs), and use it as a single-entry app experience and expertise in SMEs for their finances Denis Moskalets, CTO Developer with 9+ years experience in creating After the bank accounts are connected, a person can products for financial and consumer markets start using our app as he/she would use his or her standard mobile banking app. The difference is that Employees, Advisors & Investors: now all of his bank accounts are in one place. Slava Akulov, Advisor Revenue model: Audience (Advertising/ Lead led) Product Manager at a leading privately-held bank in Russia Scalability: Nikita Filippov, Advisor Previous funding: N/A Process software engineer & product manager for Average monthly revenues: 50,000 EUR decades Planned fundraising: N/A Market What is the need or problem being satisfied? Universal banks can’t really stay on the same page with their customers, We provide a multi-banking app that lets anyone in EU connect their bank/card account to the app. Competitive Advantage: Most of our competitors are still in the prototype stage, wilse we already have our product launched with one of the largest banks in Europe Market Size: The market is divided into two parts: 1.) Millenials - There are currently 180m of them in the EU 2.) SMEs - There are 23m of them in the EU

Paylinko Receive deposits, ask for payments or simply sell digital goods with a link Country: UK | City: London | Employees: 3 Year Started: April 2016 | Sector: Banking/Payments Product stage: Users | Website: paylinko.com Team Product Team Founders: What is it? Paylinko is the fastest and secure method to collect Gabriele Musella, CEO payments in 3 clicks, no apps required, hassle free. Gabriele is an Entrepreneurial Product Manager. With Receive deposits, ask for payments or simply sell digital over 10 years’ experience within Financial, Telco, Digital goods with a link. Copy it everywhere and get paid Services. He has operated in a range of User quickly. Experience consulting and Product Management roles and employed by a number of large international Revenue model: Marketplace brands including UBS Bank, Nokia Siemens, NHS, Vodafone, JWT, IBM, WPP, Lloyds Banks Scalability: Previous funding: N/A Stefano Vercesi, CTO Average monthly revenues: N/A With his extensive technology expertise. Stefano built Planned fundraising: 250,000 EUR his career as a senior consultant for major banks and international brands such as Ferrari and Bantec Employees, Advisors & Investors: N/A Market What is the need or problem being satisfied? Paying people for smaller is a tedious process, it requires risky sharing of payment details, logging into one’s bank account mostly necessitating a connected computer and sending across money. Paylinko gets rid of all this hassle by providing a single link containing all details that can be easily shared across platform and devices. Competitive Advantage: We can offer lower fees (1.9%+20p). We can operate in GBP and EURO (no one of the competitors is in Europe). There is no need to have an account, or app installed, just use your credit card. We focus on the low-end market. We plan to implement a proprietary blockchain back-end technology and be the “first blockchain-base payments system for the low-end consumers. Market Size: Our typical customers are Contractors, Group Organisers and Professionals providing mobile services. Our market size is 600 million market worldwide and our main competitor is paypal.

Penta Bank A cost-efficient, fast and smart bank for SMEs in Europe Country: Germany | City: Berlin | Employees: 3 Year Started: March 2016 | Sector: B2B/Enterprise Product stage: Idea | Website: getpenta.com Team Product Team Founders: What is it? Penta Bank has four key attributes: Lav Odorovic, Finance and Operations 1.) Modern Bank Account - fast, online, great UX. MA Economics, St.Gallen. Ran a startup for two years 2.) Smart Transactions - add contracts to your and four years at Siemens HQ transactions. Enables transparent business Sir Gabriel Holbach, Design and Product relationships. IED Barcelona, Parsons Paris, BTK-FH Berlin. Ran a 3.) Treasury Management - algorithm analyzes cash- startup for two years and was a UX designer for two flow over time, proposes way to optimize it and years. predicts future needs. 4.) Fintech Applications - integrated business apps Employees, Advisors & Investors: directly into the bank account. Automates accounting, payroll, CRM and much more. Luka Ivicevic, Employee Revenue model: Direct Sales Scalability: Previous funding: N/A Average monthly revenues: N/A Planned fundraising: 300,000 EUR Market What is the need or problem being satisfied? All of us have had awful experiences with our banks in our past ventures. Whether it was the efficiency of the bank, the associated costs or the lack of modernity Competitive Advantage: Our value proposition is focused on tech driven services. E.g: smart transactions, fast, low-cost, automated escrow accounts. We are adding software integrations to empower businesses to do more, like treasury management. This approach will attract customers with a higher lifetime value. As we're growing, we're collecting massive amounts of data about them, helping us understand their needs to offer tailored services such as lending & insurance. Market Size: Our target is cashless businesses that make below €10 million in revenue per year. SMEs in Germany make up 99% of the Germany economy as well as in the EU. There are about 3.7 million businesses entities in Germany. We intend to target 70’000 newly registered companies per year as well as approximately 20% of existing less satisfied customers.

Sirenio Investor Relations for Investment-Crowdfunded Startups! Country: Austria | City: Vienna | Employees: 5 Year Started: November 2015 | Sector: Crowdsourcing Product stage: Users | Website: sirenio.com Team Product Team Founders: What is it? The entire marketplace will be present on the platform, Alan Hansen, CEO when the companies invite their investors to Sirenio to Studied Computer Engineering at Kwa-zulu Natal manage the relationship. Investors will have a place to University Multi-media design at MMD-Copenhagen keep an updated overview of their investments and are and have lead several teams in the tech startup able to liquidate their holdings by a click of a button environment the last 5 years. when desired. Florian Peter, CTO BSc in Mathematical Science/Computing with a focus Revenue model: Marketplace on deep learning/neural networks AI. 13 years of professional experience as a full-stack engineer and IT Scalability: Previous funding: 30,000 EUR team leader, with a focus on performance, scalability Average monthly revenues: N/A and operations. Planned fundraising: $300,000 Dan Borufka, Product Owner Has worked as graphic designer, illustrator, full-stack coder, copy writer, and more for agencies of every size. Employees, Advisors & Investors: N/A Market What is the need or problem being satisfied? No good ways for companies to manage their investor relations. No good ways to liquidate share holdings. No good ways for the companies to maintain control of the process. Faceless secondary placement for private companies cannot work as a marketplace. Competitive Advantage: Clear focus on early stage growth companies. Partnerships in pipeline with equity crowdfunding platforms. Partnership with blockchain enabled platform with license to transact shares digitally, securely and regulated instantly. Uniquely positioned platform in the market providing information for potential buyers of secondary shares. Different approach to the market through investor relations tool which provide the investment information. Market Size: 140b us$ in projected total addressable market. The market grew to 2.5b $us in 2015, In the UK alone 295%. The customers for the business model are retail investors in investment/equity crowdfunding. Competitors are existing secondary markets like LSE AIM marketplace.

Trakti Trakti, Deals Made Easy! Country: Italy | City: Trento | Employees: 5 Year Started: March 2014 | Sector: Finance/Contract Negotiations Product stage: Users | Website: trakti.com Team Product Team Founders: What is it? Trakti is a P2P cloud based social business platform, Luigi Telesca, CEO integrated in the blockchain, that supports the entire lifecycle of social business transaction. It offers a Md John Mahfuzul Islam, CTO flexible multi-model (such as auctions, tenders and other competitive or collaborative processes) Nevio Boscariol, CMO negotiation engine where professionals, SOHOs/SMEs and large enterprises meet to get the best deals out of Employees, Advisors & Investors: it. Jason Finnegan, Employee Revenue model: Software as a service (SaaS) Matteo Rizzi, Advisor Scalability: Previous funding: 160,000 EUR Average monthly revenues: N/A Planned fundraising: 1,500,000 EUR Market What is the need or problem being satisfied? SMEs are the backbone of the world economy. Unfortunately there are very few B2B solutions designed to improve their business performance, focused on the processes and not only content. Most of the info shared between them are unstructured and companies lose knowledge every day spending lot of time and money aggregating info in costly and inefficient CRM tools. Competitive Advantage: Trakti provides a unique P2P negotiation & contracting platform that can dramatically change the way businesses advertise and close deals online. With our secure technology, anyone can join an opportunity and compete for the deal, exchanging messages and offers safely in Trakti. We support the entire life cycle of business transactions, through easy to use step-by-step procedures, generating contracts that can be easily secured in the blockchain! Market Size: Our market is the business negotiations and smart contracts market. Several actor are offering (expensive) solutions in this space, but they either focus on specific models (tenders), or processes (procurement), or they offer contract negotiation with taggable online word processing tools. Our platform makes this accessible to SMEs 16B Euro market

TransferFast Offers instant money transfers between banks across Europe Country: Estonia | City: Tallina | Employees: 3 Year Started: March 2015 | Sector: Finance Product stage: Users | Website: transferfast.eu Team Product Team Founders: What is it? We take advantage of the fact, that inside the bank Sergo Ulpus, CEO money usually moves close to real-time (average 3-5 Previously business developer at NASDAQ Baltics, minutes). We have cash reserves in all the target banks. HansaNer, MA in Corporate Governance When the customer transfers funds to us (credit Erki Hendrikson, CBDO transfer, credit cards, bank-links etc) we can make an HansaNet, Tehnopol, EAS mentor, EstBAN, MBA in internal transfer in recipients bank and achieve our Entrepreneurship & Tech management goal of getting the money to recipient's bank account Jaak Sarv, CTO almost instantly. Playtech, Skype, Regio, Microlink, SpeedPOS, MSc in Software Engineering Revenue model: Direct Sales Employees, Advisors & Investors: Scalability: Previous funding: 250,000 EUR Indrek Jaaska, Advisor Average monthly revenues: 400 EUR Argo Virkebau, Investor Planned fundraising: 500,000 EUR Market What is the need or problem being satisfied? In SEPA (Single Euro Payment Area) framework money transfers must reach recipients account by the next banking day. This is too slow for modern times. Individuals and businesses need their money faster, they expect to receive the funds in real time. Competitive Advantage: We have a direct relationship with customers. We focus on single narrow banking services and doing it cross- border and most effectively. Well-functioning and experienced team - great combination for FinTech company. First mover advantage Market Size: Fast payments market size in Europe (EUR currency) is €1 trillion* of value. Our transfer amount for 2020 will be €300M (0,03% market size). This is calculated only based on existing Target-2 system which is mainly used for central-bank money settlement and does not take into account potential from all the current SEPA framework users.

Whitehall A Supply Chain Finance Platform Provider Country: UK | City: London | Employees: 4 Year Started: August 2015 | Sector: Logistics/Supply Chain Product stage: Prototype | Website: N/A Team Product Team Founders: What is it? We are building a Supply Chain Finance platform which Colin Levins, CEO will facilitate SME suppliers to larger corporates Studied Economics at Trinity College Dublin and is a obtaining finance by reference to the larger corporates qualified Chartered Accountant ICAEW credit rating. This is a platform that will provide access Tarun Kumar, CTO for non investment grade corporates to the financial Extensive experience in project managing and markets to finance their supply chain whilst at the developing Java application for Fintech and same time providing them the opportunity to government departments participate in the financing. Employees, Advisors & Investors: Revenue model: Marketplace N/A Scalability: Previous funding: N/A Average monthly revenues: N/A Planned fundraising: 500,000 EUR Market What is the need or problem being satisfied? Smaller suppliers’ cash positions are suffering from long payment terms of their larger counterparties. They struggle to get access to working capital. At the same time cash rich investors are looking to get additional yield on their cash from highly rated credit corporate. Whitehall matches both. Competitive Advantage: The ability to incentivise the corporate to participate in the scheme and also to participate in the funding as their balance sheet permits. The ability to provide a multi tenant Platform to providers of capital. The ability to provide an elective and flexible form of finance to the provider i.e they can choose when to elect for finance on specific invoices. We have connected to the recently released companies house API. Market Size: McKinsey produced a report in October 2015 estimating the global market size as $2 trn of financeable assets with 20% growth year on year from 2010 to 2014 and projected gorwth of 15%p.a. They also identify non investment grade receivables as an area for growth. The competitors are banks and specialist SCF providers such as Prime Revenue

Zenith One Online automated onboarding for financial advisors Country: UK | City: London | Employees: 5 Year Started: March 2016| Sector: AI Product stage: Prototype | Website: zenith.one Team Product Team Founders: What is it? ZENITH empowers financial advisors to acquire, advice Jacek Wojcik, CEO and manage mass affluent client’s assets as well as 10 years in financial advisory, recruited and trained improving the onboarding process, using cutting edge over 200 financial advisors, ran a team of 40 advisor's, technology on own brand! advice International HNWI Krzysztof Klein, CTO Revenue model: Software as a service (SaaS) 9 years of professional experience. Works for: AVEVA, LOTOS, BP. Successfully develop applications used by Scalability: Previous funding: 46,000 EUR millions of customers. Average monthly revenues: N/A Planned fundraising: N/A Employees, Advisors & Investors: Franciszek Kaliszweski, Employee Marcin Ostrowski, Advisor Piotr Bucki, Advisor Market What is the need or problem being satisfied? Currently large renowned financial advisor tend to have onerous and expensive onboarding processes with multiple forms to fill out. This leads to loss of interest from clients who go to their younger, client friendlier competitors. By allowing them to seamlessly and electronically onboard their clients, costs are reduced and new clients acquired. Competitive Advantage: We are aware that there are competitors such as Wealth Kernel, Wealth objects and other who are doing almost the same. However, none of them can implement the product in a few minutes for minimum price and understand how important simplicity and the customer journey is. Market Size: We have 94 financial advisory companies in the pipeline. We are connected to management boards or advisors working there. We have 10 companies with strong sales opportunity and 2 ambassadors who are connecting us to new customers. There are over 1000 companies in our database, created by our team, where we can implement our product.

Zeroflows Enable asset managers to improve liquidity search in EM/frontier equities Country: UK | City: London | Employees: 3 Year Started: February 2015 | Sector: Asset Management Product stage: Users | Website: zeroflows.com Team Product Team Founders: What is it? Zeroflows is a platform that enables asset managers to Yan Gloukhovski, CEO improve the way they search for blocks of shares 13 years of experience in EM equities - (stocks) in Emerging and Frontier markets. trading/salestrading/research. Cornell University, MBA INSEAD Revenue model: Software as a service (SaaS) Eugene Ratchinsky, CTO Scalability: 12 years of commercial experience delivering software Previous funding: $180,000 solutions in financial sector for Tier 1 financial Average monthly revenues: N/A institutions Barclays, RBC, Algorithmica. B. Eng Carleton Planned fundraising: $400,000 University Employees, Advisors & Investors: N/A Market What is the need or problem being satisfied? Currently searching for stocks: a. Involves a multitude of middlemen which results in information leakage and high transaction costs b. Is constrained by limited amount of sources which results in a lack of reliable information Zeroflows solves both of the above. Competitive Advantage: Zeroflows separates information from transaction, focussing on telling asset managers where to reach liquidity, rather than give them technology to execute a transaction. Zeroflows is also specifically built for less liquid stocks and EM & FM markets. All of the current competitor products are built for developed markets and then recycled for EM & FM. Market Size: Zeroflows will help brokerages capture $6bn in commissions generated in EM & Frontier stocks and enable asset managers to reduce $4bn in annual transaction costs. There are 5000 brokerages & 2000 asset managers in the space. Product is scalable to developed markets - 40,000 brokerages, 5000 funds. Competition: Bloomberg, Reuters, Algomi.

By Tube Tube station: Tower Hill (Circle and District Line) As you exit the station, walk towards the Tower of London and follow the path on the left in the direction of Tower Bridge (the one with the blue and white railings). As you approach the bridge, continue under the bridge and turn right. International House will be on your left-hand side. By Bus Buses: RV1, 42, 78 Alight at the Tower of London stop. International House is the building that overlooks both Tower Bridge and the Tower of London. It would be worth getting an Oyster card that can be used on all forms of public transport and is cheaper than buying individual tickets. These can be bought at ticket offices in the Underground stations as well as newsagents. More information about Oyster cards http://www.tfl.gov.uk/fares-and-payments/oyster For urgent issues, please contact: Edwina | +44 7709725275 | [email protected] Rainmaking Loft | International House 1 St. Katharine’s Way | London | E1W 1UN

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