Valar Ventures

N26 is a beautifully simple, 100% mobile bank that’s trusted by millions of customers across Europe, offering personal and business banking solutions.

Qonto is a business banking platform that offers a range of financial services tailored for SMEs, freelancers, and associations, including business accounts, payment cards, invoicing, and expense management.

Bitpanda is a fintech platform based in Vienna, Austria, that allows users to invest in cryptocurrencies, stocks, ETFs, and precious metals. It aims to simplify the investment process and make digital assets accessible to everyone.

Xero provides cloud-based accounting software designed for small businesses, accountants, and bookkeepers, enabling them to automate tasks, manage finances, and integrate with third-party applications.

Novo is a banking platform designed for small businesses, offering a range of financial services including business checking accounts, credit cards, and bookkeeping solutions.

Petal is a financial technology company that provides credit cards designed to help individuals build credit, particularly those with no credit history or past credit issues. The company uses a unique CashScore to evaluate applicants based on their banking history rather than traditional credit scores.

Albo is a financial app that consolidates personal and business finances, offering services like debit and credit accounts, payroll, savings, and cryptocurrency management.

Kuda offers free business accounts for Nigerians, facilitating various banking services including payments, savings, and investments.

Stash is a direct-to-consumer platform designed specifically for game developers, enabling them to build deeper relationships with their players. The platform offers a suite of tools including in-app payments, webshops, and loyalty programs to enhance player engagement and maximize revenue.

Syfe is an investment platform offering Managed Portfolios, Brokerage services, and Cash Management solutions to help people build wealth for a better future.

Seed-stage, female-founded pan–Latin America fund helping startups scale into and out of Brazil with hands-on support, 400+ hiring and 200+ commercial introductions, Slack community and mentoring.

Fintech investor focused on unlocking mass-market wealth and health, backing misfit founders, with deep regulatory relationships and 100% team bonuses and 10% partner carry tied to quantified impact ($67B audited). They focus exclusively on unlocking wealth and health for the mass market through fintech investments, maintaining deep regulatory relationships and seeking mission-driven misfit founders while operating under a zero-tolerance policy for regulatory arbitrage.

Fintech-focused, non-lead co-investor (100+ fintechs) that avoids board seats, focuses on founder relationships, and uses hedge-fund-style evaluation of founders as decision-making engines. Operating as the fintech arm of Clocktower Group (a global macro investment firm), they treat picking fintech founders like selecting hedge fund managers—evaluating them as decision-making engines who can compound capital through slightly better-than-average decisions more than 50% of the time.