Valar Ventures

Qonto provides digital banking services to entrepreneurs, SMEs and startups

Qonto aims to become the next generation bank for entrepreneurs, SMEs and startups by providing an online service that allows users to create an account in less than five minutes With Qonto, you can instantly receive an IBAN and get started managing your company’s physical and digital business cards and performing day-to-day operations

Xero provides cloud accounting software and services for small businesses and their advisors

Xero fills the gap between legacy accounting systems trapped on the desktop (and used by vendors primarily to peddle expensive add-ons) and ad hoc systems (paper slips; excel spreadsheets): Xero provides one clean and intuitive package with a full accrual accounting system, including cashbook, automated daily bank feeds, invoicing, payroll, sales tax and reporting (Initial Valar investment October 2010; final exit June 2020) Octane makes financing large purchases of powersports equipment at the point of sale as painless as cash

Octane is a point of sale financing platform disrupting the $60B consumer recreational and agricultural vehicle market Its mission is to become the first choice by making financing as painless as cash in markets where incumbent solutions are expensive, time consuming, and manual Octane partners with manufacturers to offer competitive pricing and utilize technology and proprietary data models to accelerate the loan underwriting and closing process

Bitpanda is a leading European neobroker on a mission to democratize the complex world of investing

Even though money is an integral part of our daily lives, there are significant barriers that limit most people's control over it A rusty financial industry has made investing complicated, frustrating and unnecessarily difficult Bitpanda removes these barriers by harnessing the innovative power of digitized assets and blockchain technology With low fees, 24/7 trading, and real-time settlement, Bitpanda empowers users to shape their financial futures - on their own terms

Bestow is a smarter approach to life insurance By marrying data with technology, Bestow can bring simple and affordable coverage to everyone

Bestow is a smarter approach to life insurance Affordable prices A+ rated policies Instant decisions No medical exams required With a brand new underwriting framework and a first-of-its-kind experience, Bestow is bringing life insurance within reach for more people than ever before

Taxfix is a digital tax accountant on the mobile phone that makes tax filing a piece of cake

Tax filing with forms takes hours and requires expert knowledge Taxfix disrupts the industry by offering a smart assistant on the phone that asks users simple questions and optimizes their taxes intelligently With its underlying tax engine, Taxfix's systems can generate the smartest questions, allowing the company to quickly scale its technology across markets

The app and debit card created to change your relationship with money A simpler life just a click away

Albo is the leading Mexican challenger bank that helps people manage their money through an honest service that cares about them Albo offers a premium service with no fees and it takes only 3 minutes to open an account

Petal  is a new kind of credit card company on a mission to make credit honest, simple, and accessible

Millions of Americans are locked out of credit due to the limitations of credit scoring, and millions more are trapped in debt that they don’t understand and struggle to afford Petal expands access to safe and affordable credit by underwriting cash flows instead of just credit scores, and helps users build credit and achieve better financial outcomes with behavioral science and smart, intuitive product design

Neo Financial is reimagining the Canadian banking experience by building next generation spending and savings technology from the ground up

Today, with just the push of a button, we can hail a ride, have hot food delivered or stream our favorite show on demand, yet, the innovations we see in these industries have failed to translate into everyday banking in Canada Neo Financial is reimagining how spending and savings should be by building Neo from the ground-up using today’s technology Neo offers a no-annual-fee credit card and high-interest savings account, while also giving Neo members access to instant rewards from hundreds of brands – all on one card

Moss is a technology-based payment and credit card platform that enables companies to optimize their finances

Moss is a technology-based payment and credit card platform that enables companies to optimize their finances Startups, tech companies, and SMEs can issue employee and team credit cards and manage all company spending using the Moss software platform that is powered by a proprietary card issuing and risk engine Time-saving accounting automation and export features complement the offering

Atlas is the first charge card for modern explorers

Unlike credit card companies that often encourage customers to overspend, Atlas promotes sustainable spending by offering a debit card that prevents customers from going into debt, while simultaneously providing all the high-value benefits associated with elite credit cards Atlas is delivering customers a transparent and rewarding spending experience, all paired with a seamless mobile app

Kuda, “The Bank of the Free”, is on a mission to make financial services more accessible, affordable, and rewarding for every African

Most traditional banks in Africa overcharge their customers for basic banking services Starting with Nigeria, Kuda is giving Africans -- whether on the continent or in the diaspora -- a better alternative, with personal and business banking delivered through digital devices, free transfers, smart budgeting and instant access to credit

Jetty is a financial services company that designs insurance products and solutions to help people navigate the obstacle course of life

Jetty is a new kind of insurance company designed to help people in cities reach their goals faster by removing obstacles and risks Its mission is to protect its customers against setbacks of all kinds, from fire and theft to wasted time and money

Syfe is building the future of consumer investment and savings

Syfe removes barriers to investing and strives to democratize the world of wealth accumulation By incorporating cutting edge technology, Syfe cuts out the middleman and provides unbiased, comprehensive investment and saving services - for everyone

BukuWarung is building the super app for 60 million micro, small and medium-sized merchants in Indonesia