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Mifundo logo — Data-solution which enables cross-border lending for people...

Mifundo

Data-solution which enables cross-border lending for people and banks in Europe

Founded 2022 Estonia Estonia 18 employees Seed Total: $4.90M

General Information

Company Name Mifundo
Founded Year 2022
Location Estonia Estonia
Employees 18
Funding Stage Seed
Business Model B2B, SaaS, API
Revenue Model Subscription, Usage Based, Data Monetization
Social

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About Mifundo

Mifundo is an innovative fintech startup based in Estonia, founded in 2022. The company positions itself as a pioneering force in enabling cross-border lending within Europe through its Data-solution which enables cross-border lending for people and banks in Europe. By creating a Verified & Passportable Financial Identity, Mifundo allows consumers to be reliably assessed by financial institutions across the EU.

The core technology of Mifundo aggregates credit bureau information across Europe, supplements it with open banking data, and generates a standardized credit score, effectively cutting the credit risk of foreign customers by up to 7x, while potentially increasing business volume by 15%. This product has earned Mifundo numerous accolades, including LendTech of the Year and Fintech Startup of the Year 2023.

Backed by a €2.50M grant from the European Innovation Council in July 2024, Mifundo is positioned as a significant player in the fintech landscape, with recognition from key industry bodies including Mastercard and the Euro Banking Association.

Business keywords: Cross-Border Lending, Financial Identity Verification, Credit Risk Assessment, Open Banking Integration, Credit Bureau Data Aggregation, Standardized Credit Scoring, Fintech Solutions, Banking Technology, Consumer Trust, LendTech, Financial Technology Innovation, Credit Risk Reduction, Business Volume Growth, Financial Data Solutions, European Fintech Awards

Services & Products

Standardized cross-border credit scoring
Credit data access and aggregation
Credit risk reduction and management
Financial identity verification services
Seamless API and online platform for data delivery

Target Customers

Banks and financial institutions Relocating professionals and expats Cross-border property buyers Daily cross-border commuters

Funding Rounds & Investors (3)

View All
Funding Stage Amount Investors Lead Investors Date
Grant €2.50M 1
European Innovation Council
European Innovation Council
01 Jul 2024
Seed €1.20M 3
Tera Ventures
Tera Ventures, Opus11 +1
01 Dec 2023
Angel €1.20M 4
EIS | Enterprise Estonia, Jüri Laur +2
01 Nov 2022

Mifundo Alternatives & Competitors

Mifundo vs
Basiq
Basiq Australia

The Building Blocks of Financial Services

Acquired
55 employees
Finance, Financial Services

FAQ About Mifundo

Data-solution which enables cross-border lending for people and banks in Europe
Mifundo was founded in 2022.
Mifundo is headquartered in Estonia.
Mifundo has a B2B, SaaS and API business model. Its revenue comes from Subscription, Usage Based and Data Monetization.
Mifundo has approximately 18 employees.
Mifundo has completed 3 funding rounds, raising a total of $4.90M. The latest funding stage is Seed.
Mifundo offers: Standardized cross-border credit scoring, Credit data access and aggregation, Credit risk reduction and management, Financial identity verification services, Seamless API and online platform for data delivery.
Top alternatives and competitors to Mifundo include Basiq. These companies operate in related industries and serve comparable markets. You can compare them side by side on Bounce Watch.
Mifundo and Basiq are both companies in similar industries. Compare their funding, team size, growth signals, and market position on Bounce Watch to see which one fits your needs.

Source: BounceWatch company record for Mifundo, https://bouncewatch.com/company/mifundo, updated 13 November 2025. When citing, please name BounceWatch and link this page.

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