This article showcases our top picks for the best Estonia based Financial Services companies. These startups and companies are taking a variety of approaches to innovating the Financial Services industry, but are all exceptional companies well worth a follow.
We tried to pick companies across the size spectrum from cutting edge startups to established brands.
We selected these startups and companies for exceptional performance in one of these categories:
- Innovation
- Innovative ideas
- Innovative route to market
- Innovative product
- Growth
- Exceptional growth
- Exceptional growth strategy
- Management
- Societal impact
Top Estonia Financial Services Startups
Data sourced from Crunchbase and SemRush.
EstateGuru
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EstateGuru is a cross-border marketplace for short-term and mid-term property loans in Continental Europe.
Modularbank
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Modularbank is a cloud-native banking platform that allows to establish a new banking business or digitally transform an existing one.
Bondora
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Bondora offers access to the world of investing and earn a reliable net return, without all the complexities.
Alium Finance
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Decentralized AMM Exchange with multi-blockchain option and NFTs
Arf
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Arf offers instant international settlement service to licensed financial institutions
PlasmaPay
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PlasmaPay is a crypto/fiat payment system and fintech platform for new financial services
Raison
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Raison app lets users get pre-IPO investment products from €100 and operate ETH, BTC, USDC and EUR currencies.
Salv
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Salv is revolutionising the financial compliance sector with smart technology.
CoinMetro
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CoinMetro is a financial platform fueling the future of blockchain innovation.
Cachet
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Cachet is a usage-based insurance platform and a personal wallet for gig economy service providers.
Fagura
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p2p lending marketplace, where people looking for loans at a lower interest rate meet with investors interested in a more consistent returns
Montonio Finance
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Montonio is an European PoS financing aggregator which utilises open banking to make credit more efficient and transparent.
BITLEVEX
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Next-generation Groundbreaking BTC Options platform
CoinCasso
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Multifunctional and democratic exchange. As the first on the market, we give financial benefits to active users.
CEED Tech
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CEED Tech is a consortium of five startup accelerators.
AASA Global
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Aasa Global is an international financial technology company which offers credit solutions to consumers and businesses.
TradeLink
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Tracking and Analytics service for trading accounts
EvoEstate
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EvoEstate – Real Estate Investments Aggregator
Black Insurance
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Black Insurance is a blockchain-based digital insurance company .
Niko Technologies
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A FinTech company implementing a Global Commerce and Money Network, a neobank project for instant payments and transfers on a global scale.
Exscudo
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Exscudo is the gateway between the traditional finances and cryptocurrencies. The company develops a number of blockchain-based products.
IPOhub
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IPOhub is an information platform on growth company IPOs.
LetKnow OÜ
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Fintech and software development company. Developer and owner of LetKnow World digital ecosystem
Proof Suite
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Proof Suite is an open-source blockchain technology company, specializing in next-generation financial market toolsets.
MUST Platform
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International marketplace of assets and financial instruments for SME and the platform of collateral and asset management
Coinsbit.io
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Coinsbit is a legit, secure, and reliable cryptocurrency exchange based in Estonia.
Patricia
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Patricia is an alternative financial services provider for individuals and businesses with focus on cryptocurrencies.
HiHi!
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Save Cryptocurrency. Earn Fiat Interest. Join HiHi! B2C Mobile App. B2B Whitelabel & API.
ShufflUp
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ShufflUp is a hands-off crypto-currency algorithmic trading platform for less-skilled investors
Brickfy
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Brickfy is an Estonian financial technology company that offers a marketplace to invest in business and property-backed loans.
WhiteBIT
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WhiteBIT provides a secure and easy-to-use digital asset trading platform.
Depository Network
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Depository Network is the infrastructure needed for modern lending.
SigmaCapital
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SigmaCapital is a financial services company that guarantees loans and leases.
CoinsPaid
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CoinsPaid is a financial payments processing firm that renders cryptocurrency wallet, payment gateway, OTC desk & cryptocurrency exchange.
Decoin – Cryptocurrency Exchange
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DECOIN is an easy-to-use, secure exchange for cryptocurrencies with various standout features.

Fairown Finance
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Fairown provides financed product subscription solutions to the hardware waste problem. Worlds’ leading brands are shifting from a linear to a circular economy with Fairown.
CoinField
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CoinField is the easiest way to Buy/Sell Cryptocurrency in 193 countries!
Tap2Pay
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Tap2Pay it’s like Paypal inside your messenger, socila media & web. Accept cards, ACH, SEPA, paypal, wire transfer, cash-on-delivery orders.
Amon
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The every-day Crypto debit card powered by AI and multi-currency crypto wallet
Quanloop
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Investment fund dedicated to wholesale funding
Mothership
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Mothership A state-of-the-art digital asset exchange, EU token marketplace and wallet with powerful security features.
EveryPay
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EveryPay is payment gateway offering smart payment solutions
Pocosys
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Pocosys visions a future where every company could do Banking. Pocosys provides banking as a service.
dillali
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dillali is an all in one income and expenditure (pre-accounting) platform for SMEs in Africa and other emerging markets.
iuvo
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A group of young entrepreneurs who wish to re-define the way people manage their money, invest and get access to credit.
Paytomat
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Decentralized System for Cryptocurrency Payments.
Scoriff
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Scoriff protects businesses against credit losses and late payments
Fitek
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Fitek is a financial process automation solutions and services provider for enterprises and public sector.
Polybius
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Fintech company behind the PFM app Osom.finance
Swaper
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Swaper is a P2P investment platform offering investments in loans. Simple, easy and transparent.
Wallester AS
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Wallester is a Licensed white label VISA Card issuer and the payment provider specializing in offering transaction processing services.
Reinvest24
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Reinvest24 is a Real Estate Investment Platform
Advapay
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Business integrator which together with the partnership net renders services in payment business development.
Enterprise Estonia
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Enterprise Estonia negotiates and manages investment from outside of Estonia to its country with counseling programs for startups.
Bitvalex.com
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Digital wallet and asset exchange platform
Bankomia
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All-in-one neobank for cryptocurrency & fiat management on-the-go
Coinprime
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Coinprime provides a fast and safe gateway to buy and sell cryptocurrencies like bitcoin BTC from anywhere in the world.
DX.Exchange
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DX.Exchange is the first complete crypto community platform.
AssetStream
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The Global Decentralized Peer to Peer Microfinance Platform, Replacing Intermediaries with Blockchain Technology.
GEO Protocol
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Decentralized p2p protocol for values exchange
OKONTO
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Security Token Offering (STO) investment platform, digital currency exchange
Cratos
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Turnkey cryptocurrency exchange solutions for business.
Union Financial Technologies
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UFT is dedicated to helping Financial Service providers improve their client retention, profitability and corporate governance.
Bitcoin Reserve
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Bitcoin Reserve is a brokerage house that provides financial services for bitcoin.
Currencii
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Karenzi is an online exchange facility that implements currency exchange on the basis of a license issued by the Central Bank of Armenia.
Wisefund
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Wisefund offers a marketplace of investment opportunities from verified businesses that pay off high annual returns.
ioBanker
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DIGITAL FULL RESERVE BANKING | Blockchain Platform
Moontower
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We are a subscription-based investing platform, facilitating passive and automated investment strategies for our users.
Pocopay
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Pocopay is a payment institution that provides banking services.
Koodoo
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Koodoo is an equity crowdfunding platform enabling socially impactful companies to raise money through Global Currencies & Credit Cards.
Cash On Go
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Cash On Go provides modern and high-tech solutions for financial industry.
Inbank AS
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Inbank is a consumer finance-focused digital bank with an EU credit institution license, active in seven countries.
IPF Digital
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IPF Digital is a financial solutions provider company.
Bitsmo Exchange
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Bitsmo Exchange is a Fully regulated crypto exchange featuring the highest liquid, security and technology in the market.
Private Financial Services
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Private Financial Services is a legal service company that offers offshore services for bankers, accountants, and lawyers.
Jubiter
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Jubiter is an end-to end cryptocurrency solution to buy, exchange and store LTC and BTC.
helloCoin!
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helloCoin! is an integrated service for effortlessly starting and managing a cryptocurrency portfolio.
VEROS Fundraising Platform
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charity, innovation, environment
Edisoft
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Cloud and Integration Solutions for Business Digitalization. From Procurement to Payment
Seesam Insurance
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Seesam Insurance provides insurance services for home, travel and vehicles.
Inwise
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Inwise is an Estonian FinTech company specialized on large companies supply chain financing solutions.
Comistar Estonia
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Accounting, legal & business advisory. Digital company management.
TBB pank
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TBB pank offers a range of retail, private and corporate banking products and services with the focus on small- and middle-sized enterprises
Capitalika
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Capitalika is a digital platform that allows to formalize and legalize Cryptocurrency investments.
Piggymind
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Platform for systematic investments into cryptocurrency.
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