Fintech and Web3

Summary Wero, the European Payments Initiative (EPI) project, in partnership with the EuroPA Alliance, creates a pan-European network for 130 million users: the goal is to reduce dependence on Visa and Mastercard, enable instant cross-border payments, and offer tangible opportunities for fintech startups. Key takeaways Wero is built on SEPA Instant transfers and simplifies transfers with a phone number; fintech startups should consider SEPA integration to compete in payments.

Summary Evervault closes a €21M Series B to accelerate encrypted data orchestration: by-design encryption, tokenization, and 3D Secure in a single integration. With 7,000 banking integrations and 100 million tokens processed per month, it reduces PCI time and costs. Key takeaways Evervault announces a €21M Series B led by Ribbit Capital, with Sequoia and Index, to expand infrastructure and product teams. Dev-first approach: by-design encryption, 3D Secure, network tokens, and

In 2026 the Lithuanian startup Axiology closed a seed round of €5 million led by Exponential Science, e2vc and Coinvest Capital, with participation from new investors such as TIBAS Ventures and Plug and Play. Support from investors in the previous round, including BSV Ventures and NGL Ventures, was essential. To date Axiology has raised a total of €7 million. This increase follows the previous €2 million round registered in 2024, as reported by EU-Startups. This context signa

Ledger, the leading French maker of hardware wallets for cryptocurrencies, is weighing an IPO in the United States with a valuation above $4 billion. The decision to list on the NYSE, rather than on European exchanges, reflects institutional investors' confidence in crypto infrastructures and signals an important trend for European fintechs seeking liquidity and international visibility. This context makes the Ledger NYSE fintech innovation an emblematic case of how crypto in

In 2025 the Italian innovation ecosystem showed a clear path toward consolidation, fueled by a vibrant venture capital scene oriented toward scalable business models and technically complex technologies. The fourth quarter of 2025 marked a turning point: 901 million euros raised across 122 rounds designated Q4 as the best quarter ever in terms of investment value, far surpassing the 306 million of the previous quarter. According to the Quarterly Venture Capital Observatory in

In the analysis of crypto asset adoption in Italy, concrete signs of maturation emerge: crypto has become an integral part of the digital ecosystem, with new opportunities for financial services, payments, and Web3 business models. The available analysis highlights 2.8 million holders, equal to about 7% of the population, a level still below major European partners but indicative of significant growth in interest among consumers and businesses. In parallel, the adoption of on

Corporate cards and expense accounts represent one of the most dynamic areas of the European fintech landscape. For growing companies, especially with distributed teams and hybrid work models, these tools allow you to control spending, report in real time, and integrate financial management with other business functions. In this context, corporate cards and expense accounts become tools not only for payment but for operational management. In practice, we move from traditional

In the United States, an ecosystem of stablecoins not issued by banks dominates; in Europe, the push is driven by the need to regulate a rapidly expanding market. Banks can provide greater regulatory assurance and user trust, helping ensure the market stays within rules. Tessera closes with the possibility that, in the future, a “European Tether” could emerge, but acknowledges that banks offer a credibility and stability base not easy to match. The birth (and the team) of Qiv