Digitizing Wealth: The Rise of 15 Groundbreaking FinTech Startups in Estonia

Discover how these 15 Estonian FinTech startups are using cutting-edge technology to reshape the world of finance, from cryptocurrency to peer-to-peer lending and beyond.

1. Single.Earth

Co-founded by Andrus Aaslaid and Merit Valdsalu, Single.Earth is a FinTech startup that’s tokenizing the world’s nature resources to “make it the new gold.” The company is at the intersection of GreenTech and FinTech, showcasing how finance and sustainability can go hand in hand.

2. Tuum

Tuum, established by Jan Lakspere, Ove Kreison, and Rivo Uibo, is a cloud-native banking platform. It enables businesses to either establish a new banking venture or digitally transform an existing one, redefining traditional banking paradigms.

3. EvoEstate

Founded by Audrius Visniauskas and Gustas Germanavičius, EvoEstate positions itself as a real estate investments aggregator. The platform allows users to invest in real estate more easily and effectively, demonstrating how FinTech can democratize investment.


SWAG OÜ provides cryptocurrency services, capturing the growing global interest in digital currencies. This startup is part of the wave of companies betting on the future of crypto.

5. CryptoWallet

CryptoWallet offers banking and commercial solutions for cryptocurrencies. By providing these services, CryptoWallet is playing a key role in the integration of digital currencies into everyday financial activities.

6. Finectum

Finectum is a cryptocurrency exchange and payment solution, another example of how Estonia’s FinTech startups are focusing on the potential of digital currencies.

7. Swaps

Swaps, founded by Georgios Kalmpazidis, provides a range of services, including cryptocurrency purchases, blockchain integration, and a crypto and fiat payment gateway. The startup’s diverse offering highlights the flexibility and adaptability of FinTech solutions.

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8. FastCoin Exchange

Under the leadership of Obner Knöner Mozarino, FastCoin Exchange provides a platform for cryptocurrency transactions. Its user-friendly platform is contributing to the accessibility of the cryptocurrency market.

9. TFG Crowd

TFG Crowd is an online peer-to-peer marketplace that streamlines the crowd investing process. This startup is bridging the gap between investors and projects, creating a more connected and efficient investment landscape.

10. OERO

OERO is a financial services company, focusing on blockchain and cryptocurrency. Its efforts further validate Estonia’s positioning as a hub for digital currency innovation.

11. Isengard Engineering

Founded by Tanmay Kumar, Isengard Engineering is a quantitative trading firm that specializes in liquidity provision. This startup is pushing the boundaries of trading and market research.

12. Bilance

Co-founded by Erik Vetemaa and Mihkel Vetemaa, Bilance is a personal finance app that aims to automate your finances. It’s a reflection of the increasing role of technology in personal finance management.

13. GetID

GetID, founded by Alexander Tsikhilov and Dmitri Laush, offers a range of services including identity verification, KYC/AML checks, and customer onboarding. By providing these services, GetID ensures secure and trustworthy financial transactions.

14. Emirex

Emirex, under the leadership of Grigory Rybalchenko, is a centralized cryptocurrency exchange offering a variety of crypto asset management tools. Emirex exemplifies how digital currency and FinTech are reshaping traditional financial structures.


Founded by Danila Belokons, SPARQ is a community-based personal finance platform. By encouraging financial awareness and understanding, SPARQ is contributing to a more financially literate society.

From harnessing the power of blockchain to democratizing investment, these startups are transforming the financial landscape in Estonia. Their innovative approaches signal a bright future for FinTech in Estonia and beyond.

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