Introduction
The fintech industry in the EU in 2025 is thriving—diverse, resilient, and more innovative than ever. From Paris to Vilnius, and from Amsterdam to Madrid, EU fintech companies in 2025 are transforming how consumers and businesses manage, move, and grow money. Despite a broader slowdown in European tech funding, fintech stood out: €18.4 billion was raised across 912 deals in Q1 2025 alone, showing that investor confidence in the sector remains strong.
This year’s standout technologies include AI-enhanced credit models, blockchain-based payment networks, and embedded finance platforms designed for seamless B2B and B2C integration. The region also benefits from supportive regulatory frameworks like the implementation of MiCA (Markets in Crypto-Assets), PSD3, and initiatives like the €10 billion Scaleup Europe Fund—tools that are driving innovation while reinforcing trust across the ecosystem.
Following the success of our 2023 and 2024 editions, Mobile Reality proudly continues this annual tradition—spotlighting the fastest growing fintech companies in the EU that are scaling rapidly and solving real-world problems. This year, our new weighted ranking methodology also considers starting headcount to better reflect sustainable growth. The result? A data-driven look at the fintech firms setting the standard for ambition and execution across Europe.
Financial Environment for Fintech Companies in the Europe in 2025
The EU fintech ecosystem is navigating a landscape marked by investor caution, regulatory maturity, and robust technological innovation. While funding levels have softened overall, fintech remains the dominant sector for capital allocation in Q1 2025, demonstrating sustained resilience and strategic confidence from investors.
Investment Trends & Market Resilience
Despite a 26% year-over-year decline, European fintech still drew $5.4 billion across 185 deals in Q1 2025, with a clear bias toward larger ticket rounds—funding rounds over $100 million grew 2.6× quarter-over-quarter.
Early-stage Series B rounds saw renewed momentum, hitting the highest levels in two years, while fintech and AI now lead Europe’s growth-stage venture capital activity.
Sector Outlook & Growth Forecast
The EU fintech market is forecast to reach USD 85.5 billion in 2025, and expand to $171.4 billion by 2030, representing a strong 14.9% CAGR. Digital payments account for more than half of this revenue, while embedded and open banking are boosting growth across verticals.
Ecosystems in key hubs—such as Berlin, Paris, Amsterdam, Vilnius, and Madrid—benefit from proximity to major financial centers, local capital access, and favorable conditions for cross-border scaling.
Regulatory & Policy Drivers
2025 marks a pivotal year for EU-wide regulation. The full rollout of the Markets in Crypto-Assets (MiCA) framework introduces oversight for crypto-asset service providers and stablecoin issuance. In parallel, PSD3 and open finance rules seek to standardize embedded banking and digital payment infrastructure across member states.
To bridge late-stage financing gaps, the Scaleup Europe Fund and the European Investment Bank’s €70 billion Tech EU initiative aim to boost sovereign investment in next-gen fintech and tech scaleups.
Key Takeaways
Strong investment appetite remains for high-growth fintechs, particularly in payments, regtech, and infrastructure.
The market outlook is optimistic, with momentum building in AI and embedded finance.
Predictable, harmonized regulation enhances scalability and long-term investor confidence across the EU.
In sum, the fintech industry in the EU in 2025 is positioned at the intersection of capital, policy, and innovation—offering fertile ground for growth despite macroeconomic caution.
Selection Criteria of Top 10 Fast-Growing Fintech Firms in the EU
To accurately identify the fastest growing fintech companies in the EU in 2025, we applied a structured and consistent evaluation framework. Our goal was to spotlight companies that not only demonstrated exceptional headcount growth but did so while building meaningful scale, sustainable operations, and clear fintech innovation.
Below are the key criteria used in our selection process:
1. Fintech, Insurtech, Regtech, or Embedded Finance Focus
We included companies operating within financial services sectors where technology is core to the product. This spans fintech subdomains such as insurtech, regtech, crypto infrastructure, B2B payments, and embedded finance platforms.
2. Team Size Between 50 and 250 Employees (June 2025)
To ensure we focused on companies in a substantial growth phase—but not yet fully enterprise—we filtered for firms with between 50 and 250 employees. This range reflects scale-ups that are building complex operations and showing sustained traction.
3. Headcount Growth Above 50% (June 2024–June 2025)
Growth rate remains a fundamental signal. We selected only companies that increased their team size by at least 50% within the last 12 months. This growth is typically indicative of product-market fit, customer expansion, or aggressive roadmap execution.
4. EU-Based Headquarters
To qualify for this list, a company must have its registered headquarters in an EU member state. This ensures we’re capturing those contributing directly to the regional fintech ecosystem through local hiring, tax presence, and regulatory alignment.
5. Mobile Reality’s Expert Review
As a company with deep domain knowledge in fintech software development, we applied our own qualitative lens to each candidate. Our team evaluated product maturity, market relevance, and innovation potential, filtering beyond raw data to highlight firms shaping the future of European finance.
6. Data Verification via Public Sources
Company profiles and headcount data were verified using trusted platforms such as LinkedIn, Crunchbase, Dealroom, and company registries. This process ensures transparency and consistency in how we validate growth metrics.
The Unique Selection of the Top Fintech Companies in the EU
Matt Sadowski
CEO of Mobile Reality
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Company | Headcount 2024 | Headcount 2025 | Growth Rate | log₂(HC 2024) | Weighted Score |
|---|---|---|---|---|---|
Kustom | 11 | 96 | 7.73 | 3.46 | 26.75 |
Lise | 21 | 80 | 2.81 | 4.39 | 12.34 |
HAWK:AI | 93 | 187 | 1.01 | 6.54 | 6.61 |
Anyfin | 92 | 168 | 0.83 | 6.52 | 5.41 |
Simple | 92 | 165 | 0.79 | 6.52 | 5.15 |
Nelly | 90 | 157 | 0.74 | 6.49 | 4.80 |
Neat | 48 | 86 | 0.79 | 5.58 | 4.41 |
PayRails | 60 | 97 | 0.62 | 5.91 | 3.67 |
BitMarkets | 48 | 75 | 0.56 | 5.58 | 3.13 |
Corlytics | 78 | 121 | 0.55 | 6.28 | 3.45 |
Kustom
Website: https://www.kustom.co
Growth: 800% (from ~11 to 96 employees)
Kustom—formerly known as Klarna Checkout—is a Stockholm-based fintech company offering one of Europe’s most advanced and customizable digital checkout platforms. As an independent entity since October 2024, Kustom now focuses entirely on optimizing the merchant checkout experience rather than providing payment or credit services. It currently serves over 24,000 merchants in 170+ countries and processes more than SEK 150 billion in annual transaction volume.
The company first spun out of Klarna in late 2024, backed by a consortium led by BLQ Invest. Since its launch, Kustom has built a tight-knit, highly skilled team, attracting many former Klarna talent. In just under a year, headcount surged from about 11 to 96 employees, reflecting 800% growth—one of the fastest in our EU fintech dataset.
Lise
Website: https://www.lise.com
Growth: ~279% (from ~21 to 80 employees)
Lise (Lightning Stock Exchange) is a Paris-based fintech building a fully digital, blockchain-powered stock exchange tailored to strategic SMEs and mid-cap companies in Europe. Launched in 2024 as a spinout from Kriptown, Lise is preparing for launch under the EU’s Pilot Regime and aims to offer 24/7 trading, real-time settlement, and easier capital access for underrepresented issuers.
With nearly 280% team growth in just one year, Lise is scaling quickly ahead of regulatory approval—backed by key players like BNP Paribas and Bpifrance. Positioned at the intersection of fintech and capital markets infrastructure, Lise represents a bold step toward the next generation of European public markets.
HAWK:AI
Website: https://hawk.ai
Growth: 101% (from 93 to 187 employees)
HAWK:AI is a Munich-based regtech company delivering real-time, AI-powered solutions for anti-money laundering (AML) and fraud detection. Designed to meet the compliance challenges of modern financial institutions, the platform combines explainable AI, advanced analytics, and intuitive case management to drastically reduce false positives and operational costs.
Founded in 2018, HAWK:AI has established itself as a pioneer in real-time AML transaction monitoring. Its modular cloud-native architecture makes it scalable across banks, fintechs, and payment providers globally. By offering full auditability and transparency in AI decision-making, the company aligns with evolving regulatory expectations for ethical AI use in financial crime prevention.
With its team doubling in size from 93 to 187 employees over the past year, HAWK:AI is clearly in high-growth mode. This expansion underscores the rising urgency for intelligent, adaptable regtech infrastructure as financial crime grows more complex and cross-border. HAWK:AI’s momentum positions it as a critical enabler of safer, smarter financial ecosystems across the EU.
Matt Sadowski
CEO of Mobile Reality
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Anyfin
Website: https://anyfin.com
Growth: 82% (from 92 to 168 employees)
Anyfin is transforming the consumer credit landscape across the European Union by making personal finance more manageable, affordable, and transparent. Based in Stockholm, Sweden, this fintech company enables individuals to refinance existing loans, credit cards, and installment payments—often significantly lowering interest rates—without switching banks or filling out lengthy applications.
Founded in 2017, Anyfin uses AI-powered automation to scan, evaluate, and approve refinancing offers via its mobile-first app. The process is built to empower users with clarity and control over their financial obligations—especially in a climate where personal debt and financial anxiety are on the rise.
Over the past year, Anyfin has nearly doubled its workforce, growing from 92 to 168 employees. This 82% increase underscores its strategic expansion across Germany, Finland, and other EU markets, making it one of the fastest-growing fintech companies in the region in 2025. With a strong product-market fit and growing consumer demand for smarter credit tools, Anyfin is positioning itself at the forefront of ethical, digital lending in Europe.
Simple
Website: https://simple.app
Growth: ~79% (from ~92 to ~165 employees)
Description Simple is a Lithuanian crypto-fiat fintech company operating under EU regulation and headquartered in Vilnius. It provides an intuitive wallet for buying, exchanging, earning, and spending stablecoins and cryptocurrencies. The platform emphasizes simplicity and accessibility, catering to both beginners and experienced users alike
Key features include:
A crypto card with instant fiat conversion and Apple Pay support; also offers cashback rewards.
USDC savings earning up to 12% APR, stablecoin support for low-volatility usage, and goal-oriented “crypto jars” .
24/7 human support, regulated compliance with EU financial regulations, and a focus on user-friendly experience .
Simple has doubled down on rapid team growth, moving from ~92 to ~165 employees between mid‑2024 and mid‑2025 (~79% growth), indicating strong traction in EU fintech and crypto adoption.
Nelly
Website: https://www.getnelly.de Growth: ~74% (from ~90 to ~157 employees)
Nelly is a Berlin-based insurtech startup offering a data-driven claims processing platform that helps insurers automate and streamline damage assessment—primarily targeting mobility, property, and travel insurance sectors. Since its founding, Nelly has integrated AI and computer vision to cut down claim resolution times and reduce fraud.
In the past year, Nelly’s team grew from approximately 90 to 157 employees—representing ~74% growth. This hiring surge reflects rising demand from European insurers for scalable, efficient claims automation tools, especially in high-claim volume sectors like mobility and travel. Positioned at the intersection of insurtech and AI, Nelly is establishing itself as an essential partner for insurers modernizing their operations.
Neat
Website: https://www.neat.eu
Growth: ~81% (from ~48 to ~86 employees)
Neat is a Bordeaux-based French embedded insurtech that enables merchants across the EU to offer white-label insurance products at point of sale—ranging from extended warranties and travel coverage to mobility and event protection. Founded in 2022, Neat integrates AI-driven matching and risk management into a turnkey, plug-and-play platform used by over 1,500 retail and e-commerce partners.
In September 2024, Neat raised approximately €50 million in a Series A round (done in equity and debt), backing its growth across verticals including mobility, retail, banking, and mobility services. It counts 40+ embedded insurance products and has surpassed 1 million policies sold since launch.
Between June 2024 and June 2025, Neat’s team grew from around 48 to 86 employees (~81% growth). This scale-up reflects rising demand for plug-in insurance solutions and underscores Neat’s leadership in EU insurtech innovation.
PayRails
Website: https://www.payrails.com
Growth: ~61% (from ~60 to ~97 employees)
PayRails is a Finland-based fintech enabling payment orchestration and real-time payouts across Europe and beyond. Its unified platform simplifies payment routing, payout automation, and reconciliation for online businesses, fintechs, and marketplaces. With a focus on optimizing global fund flows, PayRails is building a reliable backbone for next-gen payouts and embedded payments.
Between June 2024 and June 2025, PayRails ballooned from approximately 60 to 97 employees (~61% growth), reflecting strong traction with scale-ups and fast-growing platforms. As embedded finance and international payouts grow, PayRails is scaling rapidly to meet demand for resilient payment infrastructure.
BitMarkets
Website: https://bitmarkets.com
Growth: ~55% (from ~48 to ~75 employees)
BitMarkets is a Lithuania-based crypto-fintech platform providing unified access to spot, futures, and margin trading across over 150 cryptocurrencies. As a regulated exchange under Lithuanian license and operated by Unicorn Technologies, it prioritizes usability, strict security (including 99% cold storage and insurance protections), and competitive trading tools.
Key capabilities include:
Spot, futures, and margin markets with multi-asset support and internal risk management (insurance fund, responsible liquidation)
Native utility token BTMT, offering fee discounts, early access, and ESG-linked rewards
24/7 multilingual support for retail and corporate clients; interface optimized for simplicity and accessibility
Between mid-2024 and mid-2025, headcount rose from ∼48 to ~75 employees (≈ 55% growth), indicating steady scaling amid rising demand for resilient crypto infrastructure in the EU. Reviews cite fast execution, multilingual support, and UI clarity from Trustpilot users, with an average 4.3/5 rating across almost 300 reviews.
Corlytics
Website: https://www.corlytics.com
Growth: 55% (from 78 to 121 employees)
Corlytics is a leading regtech company headquartered in Dublin, Ireland, helping financial institutions manage and navigate complex regulatory obligations with data-driven intelligence. By leveraging advanced analytics and regulatory taxonomy frameworks, Corlytics empowers banks, insurers, and fintechs to proactively respond to changing global compliance demands.
Founded in 2013, Corlytics has emerged as a trusted partner for tier-one financial services firms. The company’s Regulatory Monitoring and Regulatory Obligations Management platforms use AI-powered workflows to contextualize laws, track changes, and enable evidence-based compliance strategies. This clarity helps reduce risk, improve governance, and strengthen operational resilience.
In the past year, Corlytics experienced a 55% increase in headcount, growing from 78 to 121 employees. This growth highlights a rising demand for regtech services in an increasingly fragmented EU regulatory landscape. As financial compliance becomes more nuanced and jurisdiction-specific, Corlytics is positioning itself as the essential backbone of compliant digital transformation.
Methodology Behind the Ranking
In this year’s edition of our Top 10 Fast-Growing Fintech Companies in the EU report, we’ve introduced a refined, data-backed ranking methodology to offer a more balanced and insightful view of fintech growth across the region.
Previously, our rankings were based solely on year-over-year headcount growth. While this method highlighted rapid growth, it didn’t account for the relative challenge of scaling teams from different baselines. For example, increasing from 10 to 30 employees (200% growth) is fundamentally different from expanding a 150-person team by the same rate. That’s why in 2025, we’re introducing a weighted scoring model.
What’s New This Year?
To ensure fairness and account for organizational maturity, we’ve calculated each company’s Weighted Growth Score using the following formula:
Weighted Score = Growth Rate × log₂(Current Headcount) (where Growth Rate = (Headcount_2025 – Headcount_2024) ÷ Headcount_2024)
This hybrid model preserves the value of high percentage growth while giving proportional weight to companies scaling from a larger starting point. The use of the logarithmic function tempers the influence of raw size while still rewarding meaningful expansion at scale.
Data Sources and Period
Headcount data was collected from public LinkedIn company profile analytics and verified as of June 2024 to June 2025.
Only companies with consistent monthly employee data and transparent team profiles were considered.
Companies were verified to be headquartered in EU member states and classified as fintechs across segments such as payments, embedded finance, blockchain, lending, and regtech.
Why This Matters
We believe this updated methodology better reflects both velocity and complexity of scaling within the fintech space—offering a clearer picture of which companies are building not only fast but sustainably. As the EU fintech ecosystem matures, such nuanced measurement becomes increasingly important for investors, analysts, and founders alike.
Conclusion
The European fintech landscape in 2025 is vibrant, resilient, and evolving faster than ever. As our ranking shows, growth is no longer confined to just early-stage disruptors or singular verticals. From AI-driven regtech and embedded insurance to crypto-fiat infrastructure and blockchain-powered stock exchanges, EU fintechs are scaling at speed—and doing so with increasingly diverse strategies.
What’s especially notable this year is how scaling at maturity is gaining prominence. With our newly introduced weighted methodology, companies like Anyfin and HAWK:AI—already operating at significant scale—stood out for not just growing fast, but doing so from a robust organizational base. At the same time, hypergrowth stories like Kustom and Lise demonstrate the momentum of fresh entrants in the ecosystem.
As we look ahead, the European Union remains one of the world’s most exciting fintech markets. Regulatory clarity through MiCA, evolving embedded finance models, and rising demand for digital-first solutions across sectors are all setting the stage for further innovation.
These top 10 companies aren’t just growing fast—they’re redefining what fintech means for the EU economy. And as always, our goal is to track, spotlight, and celebrate that transformation—year after year.
Insights on Leading Fintech Companies
Are you fascinated by the growth and impact of leading fintech companies? At Mobile Reality, we delve deep into the success stories and strategies of top players in the fintech industry. Our expertise in analyzing market trends and company innovations allows us to provide valuable insights into the factors driving the success of these companies. Our curated selection of reports offers a comprehensive look at key fintech companies, their technologies, and market strategies:
- Top 10 Fast-Growing Fintech Companies in the UK in 2025
- Top 10 Fast-Growing Fintech Companies in the EU in 2024
- Top 10 Fast-Growing Fintech Companies in the US in 2024
- Top 10 Fast-Growing Fintech Companies in the UK in 2024
- Top Fintech Companies in New York in 2024
- Top InsurTech Companies in the UK in 2024
- Top Fintech Software Development Companies
- 10 fast-growing top fintech companies in the US in 2023
- 10 fast-growing top fintech companies in the UK in 2023
- Top 10 fast-growing fintech companies in the EU in 2023
Explore these detailed reports to gain a deeper understanding of the fintech sector's movers and shakers. Don't hesitate to contact our sales team if you have any questions or want to explore partnership opportunities. Those interested in joining our dynamic team can visit our careers page to submit their CVs. Join us in exploring the future of fintech and the companies shaping it!
