Companies
We are a Talent Investor. We invest in the world’s most ambitious people and then we invest in the companies they build.
We focus on funding companies solving very hard problems and doing things that many people would say are impossible - whether that’s slashing the cost of working in space or using AI to dramatically lower the world’s energy usage. Our companies have raised hundreds of millions of dollars from the world’s best investors.
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Sector
- Aerospace
- AGRICULTURE
- AR/VR/MEDIA
- AUTOMOTIVE
- COMMERCE/MARKETPLACE
- COMPUTING HARDWARE
- Data Analytics
- DIGITAL HEALTH
- Education
- Energy
- ENTERPRISE SOLUTIONS
- Finance
- Gaming
- HEALTHCARE
- INFRASTRUCTURE/DEV TOOLS
- Legal
- LIFE SCIENCE
- MANUFACTURING/INDUSTRIAL
- MARKETING
- PROPERTY/REAL ESTATE
- ROBOTICS/IOT
- SECURITY
- SEMICONDUCTOR
- Transportation/Logistics
- Cohort
- Location



ArrayStream Technologies
Yu Zheng Ran Fan
ArrayStream Technologies helps fund providers launch next generation AI-powered mutual funds. We maximise the probability of beating the index by combining dynamic composite signals with our novel polymorphic diversification method.
Yu Zheng holds a PhD in Quantitative Finance from Imperial College London. He is an expert in machine learning, option pricing and portfolio construction. During his PhD, Yu worked for a leading private bank designing systematic trading strategies.
Ran Fan has 10 years of experience in building real-time automated trading systems for companies including Goldman Sachs and one of Europe’s largest systematic hedge funds. Ran holds a Master’s in Information Systems Engineering from Imperial College London.
Please note these requests go to the EF team and are passed on to the company periodically.



Brolly
Phoebe Hugh Mykhailo Loginov
Brolly is an AI-driven personal insurance concierge, available through a smartphone app. Brolly is being built to make it incredibly easy people to understand, manage and buy insurance, using the Brolly Advisor, Brolly Locker and Brolly Shop.
Phoebe Hugh began her career at Aviva as an Underwriter and Product Manager. She holds qualifications with the Chartered Insurance Institute and a BSc in Psychology from the University of Manchester.
Mykhailo Loginov spent over 7 years at Microsoft and Skype as a Software Engineer and Manager, and holds a Masters in Computer Science from Kyiv Polytechnic Institute.
Please note these requests go to the EF team and are passed on to the company periodically.



Cleo
Barney Hussey-Yeo
Cleo is an A.I. assistant to manage your finances. Using machine learning we automatically classify your transactions, deliver relevant insights into your spending and give you a clear overview of your finances. And users can get all of this, just by sending Cleo a text.
Rather than creating a bank, Cleo sits on top of existing infrastructure to give our users an elegant and user-friendly banking experience. By integrating APIs for banks and other financial service providers, Cleo aims to become a hub for each user’s banking activity.
Please note these requests go to the EF team and are passed on to the company periodically.



CodeReg
Samuel Watts Stacy-Ann Sinclair
CodeReg makes regulatory change in finance as simple as a software update. Financial institutions face a mountain of regulation. Manual processes can’t handle the complex, interwoven and shifting rules, exposing firms to massive fines and costing billions to change systems in response. Our compliance engine automatically verifies and monitors financial compliance. We can provide real-time compliance insight and flag any potential breaches before it’s too late.
Samuel Watts spent four years in quantitative finance, building and advising on regulatory systems for both major European banking supervisors and financial firms. He holds Master’s degrees in Maths and Mathematical Finance from the Universities of Warwick and Oxford.
Stacy-Ann Sinclair spent a decade building high-frequency trading systems and globally scalable data infrastructure for three tier one investment banks. As a VP at Bank of America Merrill Lynch, she led development of a unified platform for MiFID II compliance. She has a CS degree from City University.
Please note these requests go to the EF team and are passed on to the company periodically.



Credit Kudos
Matt Schofield Freddy Kelly
Credit Kudos is a challenger credit bureau developing a Financial Behaviour Score based on real-time financial data. The company recently became the first of its kind to receive full authorisation from the FCA as a Credit Reference Agency. The Credit Kudos platform gathers information from your online banking to determine your suitability when applying for financial products.
Matt Schofield and Freddy Kelly met studying Computer Science at the University of Manchester. Prior to founding Credit Kudos, Matt was leading Data Science teams for Universal Music Group (UMG) and CTO of UMG’s music discovery platform, SpinnUp. Freddy joined Bitnami (YC W13) after graduation where he was responsible for development of their cloud launchpad, deployed initially for Microsoft and later a number of other cloud vendors including Google, Amazon and VMWare. Freddy went on to be the first engineer at A16z backed financial analytics platform, TXN.
Please note these requests go to the EF team and are passed on to the company periodically.



CreditMint
CreditMint is decentralising corporate lending. The corporate debt industry is migrating from a bank-led model towards smaller lenders. But these new-wave lenders are tied to constant cycles of reconciliation, and trading is slow and expensive. Furthermore, companies lose track of their creditors and the market is structurally illiquid.
We fix this using a public blockchain as the shared ledger for corporate debt. We provide a dealmaking platform; a trading layer; and a settlements facility, all communicating with one digital asset on Ethereum.
Please note these requests go to the EF team and are passed on to the company periodically.

Crypto Squad
Anthony Wilson
Crypto Squad helps traders create and manage crypto funds. Blockchain technologies are helping democratize fund management. Crypto enthusiasts are setting up informal investment pools made of friends and family. These investment pools are insecure and unregulated. Funds are stored with the pool manager, making them an easy target for hackers. They operate in legal gray areas. Investors have no mechanism to track fund performance and remain crypto illiterate. Pool managers are unable to monetize and scale.
Crypto Squad help traders quickly and securely setup these investment pools. Our proprietary wallets let investors mirror trades performed by the manager, while maintaining asset custody. Startup investments, bonds and many other financial instruments will soon be tokenized. Crypto Squad will become wealth management everyone can understand and access.
Anthony Wilson received a masters in computer science from Imperial College London. He’s a three time CTO and has advised Chinese state-owned enterprises on how to use blockchain for supply chain management. He’s been developing blockchain applications for six years.
Please note these requests go to the EF team and are passed on to the company periodically.



DeltaBlock
Maria Silvia Scetta Hamza El Khalloufi
DeltaBlock adapts traditional capital liquidity services for Digital Assets.
As any new asset class, Digital Assets are illiquid. Traditionally, this is solved by Market Makers, but the features of digital assets and the exchanges where they are traded demand new techniques.
DeltaBlock uses cutting edge research in math and liquidity modeling to build algorithms which perform about 20x better when applied to Digital Assets.
One exchange and the biggest issuer in France are signed up. We have strategic partnerships with Digital Assets issuance platforms in Europe and the UK. Furthermore, Deltablock has a strong pipeline with demos planned with 3 companies and 2 exchanges.
Maria Silvia Scetta
Maria is an experienced trader and portfolio manager who has spent 7 years working for investment funds and institutions such as
J.P. Morgan. She is a financial engineer and holds a MSc. in Finance. She has experience in highly illiquid markets such as frontier markets and in High Frequency Trading.
Hamza El Khalloufi
Hamza holds a PhD in liquidity modeling from Sorbonne University (Paris 1). He gained relevant experience in quantitative modeling in the banking industry. He has been involved in the Blockchain ecosystem for years and is a respected research fellow in the field of Digital Assets at Cambridge University.
Please note these requests go to the EF team and are passed on to the company periodically.

Donut
Neel Popat Jordan Abderrachid
Donut makes crypto easy. Their mission is to empower better financial health by democratising access to the new and emerging digital asset (read: crypto) ecosystem.
Neel Popat has over 7 years deep finance experience having worked at 3 top-tier investment funds managing >$150bn. Neel started his career at Rothschild and holds a first class degree in Financial Mathematics & Statistics from LSE/Harvard. He built his first business out of his bedroom aged 14.
Jordan Abderrachid was one of the first backend developers at N26 bank. He brings with him deep tech experience, having built security architecture that 1M people use to transact with across Europe. He is an experienced blockchain developer and holds an MEng from École Centrale de Lyon.
Please note these requests go to the EF team and are passed on to the company periodically.



Insurami
Majed Chaaraoui Arnor Davidsson
Insurami is re-inventing the process for leasing office spaces, unlocking £200bn in the US, UK and Europe alone. Our proprietary risk model enables landlords to vet customers in seconds, and lower upfront deposit costs by 90%.
Majed Chaaraoui spent 5 years at Blenheim Chalcot where he grew tech start-ups in financial services and property. He has worked in consulting and investment banking, and has a BEng in Electronics & Communications Engineering and an MSc in Financial Mathematics from Leeds University.
Arnor Davidsson is experienced in software engineering, product management and UX. He has worked in both established and early stage tech companies, and previously co-founded his own start-up. He holds a BSc in Engineering Management and an MSc in Computer Science.
Please note these requests go to the EF team and are passed on to the company periodically.



Intropic
Ravinder Bhadhal Sam Shannon
Intropic provides data refineries for investment management firms.
During the last few years there has been an explosion in the amount of data available to use. In financial markets, information is power.
Today it’s difficult and time-consuming to work with all this data but it’s too valuable to ignore. Firms spend more time preparing the data than using it.
Intropic provides refineries to map and clean information from lots of sources in a way that constantly improves and adapts. It does the heavy lifting so the client can focus on managing client money.
Intropic is working with over 20 leading hedge funds and their first product is built and ready to ship.
Ravinder Bhadhal
Rav spent the last 10 years as the Global Head of Data at Man Group. Rav’s expertise in delivering world-class data infrastructure and commercial experience of negotiating over a hundred data contracts have allowed Intropic to overcome significant barriers to entry. Rav holds a CS degree from UCL.
Sam Shannon
Sam was a Quantitative Trader at Segantii Capital Management and was involved in all parts of the investment process. Prior to this, Sam was at Morgan Stanley and worked on a reactive graph framework to build automated trading engines. He was awarded the Dean’s list in Particle Physics from UCL.
Please note these requests go to the EF team and are passed on to the company periodically.



Leif
Francis Larson
Leif is a software platform for income-based payments. Leif allows schools, bootcamps, charities, and financial institutions to have users commit a percentage of income towards their organization in lieu of paying fixed amounts. Leif uses advanced behavioural technology to increase customer adoption and lifetime value.
Francis Larson holds a master’s degree from the London School of Economics and was recently named to LinkedIn’s Next Wave 120 Under 35 list.
Please note these requests go to the EF team and are passed on to the company periodically.
Merkle Science
Mriganka Pattnaik Nirmal AK
We believe that by 2030, every consumer who makes a credit card payment or a bank transfer, would have used the blockchain without even knowing it. For this to happen, regulators would play a very important role. Our vision is to be the layer of trust between banks, regulators and blockchain companies.
Globally, there is a wave of upcoming cryptocurrency regulations for AML and fraud prevention (FATF, EU 5th AML Directive, SG Payment Services Bill). In order to comply, blockchain companies, funds and regulators need high-tech cybercrime tools.
Mriganka Pattnaik
Mriganka Pattnaik (CEO) has 6 years of experience across investment banking and technology. Before EF, he worked at Luno, a Naspers backed cryptocurrency exchange where he was responsible for business expansion as they scaled from 5 to 40 countries.
Nirmal AK
Nirmal AK (CTO) has 6 years of work experience as fraud data scientist at Paypal and Instamojo, an Indian payments startup. Prior to joining EF, he founded a startup which manufactured ethereum mining rigs.
Please note these requests go to the EF team and are passed on to the company periodically.



Multiply
Vivek Madlani Michael Curtis
Multiply provides interactive, adaptive personalised financial plans with specific product recommendations across people’s entire financial world: savings, investments, protection and mortgages. We fully automate generating the plans by combining complex financial modeling techniques and machine learning and will make putting the plans into action totally seamless and free.
Vivek Madlani spent 12 years in finance at Lehman Brothers and RBS, where he built a trading business with £110m in annual revenues, designed and distributed products into the UK retail space and learnt all about the best aspects of advice.
Michael Curtis has a PhD from Cambridge simulating black holes where he also led production and design at Varsity newspaper. He has been building web-apps since he was 12 and is an award winning communicator.
Please note these requests go to the EF team and are passed on to the company periodically.



PassFort
Donald Gillies Henry Irish
PassFort allows companies to do rigorous KYC onboarding without compromising on user experience or conversion. KYC regulations are a fact of life in industries ranging from financial services,real estate and online gambling. Current tools are slow to setup, expensive and provide a terrible end-user experience. PassFort can be deployed in hours.
Donald Gillies did an accelerated BSc in Financial Economics at St Andrews. He has a background in regulated markets: first in Private Equity, then at an Equity Crowdfunding startup.
Henry Irish received his MEng/BA from Cambridge doing security research. He is also a talented full-stack developer, having worked for Edgespring in San Francisco before they were acquired by Salesforce.
Please note these requests go to the EF team and are passed on to the company periodically.



Popsure
Rob Schumacher Vincent Audoire
Popsure gives personalised insurance advice. Insurance agents cost users in Germany €20B a year in hidden fees. They are a huge hassle and not incentivised to get you the best insurance deal. We’re replacing these agents. With the help of an ML recommendation engine, we package the complex insurance market into a delightful user experience.
Rob Schumacher has co-founded a start-up before, and most recently consulted 5 top EU insurance companies with McKinsey. He also has a PhD in optimising graphs. He will combine those skills to guide the recommendation algorithm – and drive the vision of the company.
Vincent Audoire has 6+ years experience in software development, has co-founded a tech start-up as CTO before, and most recently built the iOS app at N26. He combines ownership of the tech stack with a magical feeling for what gets customers hooked. He will be responsible for leading the product team.
Please note these requests go to the EF team and are passed on to the company periodically.



Prime Factor Capital
Nic Niedermowwe Michael Wong
Blockchain technology has given rise to the most exciting asset class of the 21st century. However, for professional investors it is almost impossible to get exposure to cryptocurrencies. Prime Factor Capital has solved this problem by launching an institutional-grade investment fund.
Nic Niedermowwe holds a PhD in number theory from the University of Oxford. He was an energy derivatives trader, and previously founded a successful market-making business that provides liquidity to crypto exchanges.
Michael Wong spent 11 years at Blackrock where he was a portfolio manager leading the systematic fixed income asset allocation team. He brings the rigour of institutional fund management and his deep insights into investing to the space. Michael holds an MSc in Finance from London Business School.
Please note these requests go to the EF team and are passed on to the company periodically.
PROPINE
Tuhina Singh Zan Wong
PROPINE was built from ground up to custody digital assets on behalf of institutional clients. We use proprietary hardware and software to ensure delivery of an industry-best cold storage solution which is compliant, insured, fully audited, secure and reliable with customer service at its core.
Tuhina Singh is an experienced trader and investment banker, in a career spanning 12 years. She raised 80 million dollars as part of the core team in an ICO in 2017 and worked Asia markets for one of the world’s largest crypto- OTC trader. Prior to her banking avatar, she was coding in C/C++ at ST Microelectronics and worked on first camera phone of Nokia. She is a Computer Science engineer from BITS Pilani and has an MBA degree from the Indian Institute of Management (IIM, Lucknow).
Zan Wong has over 12 years of experience building scalable enterprise software with high performing teams. The last two start-ups in which he led teams have had successful exits, one through an acquisition by Keppel and another by listing on the Australian Stock Exchange. He is an Electrical Engineer from NUS. He takes monthly workshops in which he teaches blockchain programming.
Please note these requests go to the EF team and are passed on to the company periodically.



Proportunity
Vadim Toader Stefan Boronea
Proportunity explains and forecasts the real estate market. They use machine learning, proprietary datasets of historical valuations and location macro data to generate accurate and explainable property price predictions.
Vadim Toader has over 3 years valuation and forecasting experience from Bain & Co and has an Engineering, Economics and Management degree from Oxford.
Stefan Boronea has over 7 years experience applying machine learning in research and commercial applications at IBM and Booking.com, where he built deep learning models to analyse real estate features.
Please note these requests go to the EF team and are passed on to the company periodically.



Real Analytics
Sachin Chiramel Nitin Shukla
Information asymmetry is both the $150 billion Indian Real Estate (RE) industry’s biggest problem and greatest
opportunity. Insiders with privileged information stand to make massive gains in this market.
Real Analytics is building India’s first comprehensive real estate datastack by forming the only digital network of India’s 1 million real estate brokers.
Their app LeadAgent is a much-needed workspace for brokers who currently have no means of managing their
databases, clients or leads. LeadAgent is currently under development and is expected to launch August 31 2020 via Google Playstore in Coimbatore, Bengaluru, Chennai & Hyderabad.
Sachin Chiramel has 12 years of experience in investment banking and financial services at top tier global investment banks where he led multi-billion dollar deals for real estate, healthcare and natural resources companies. He has an MBA from University of Michigan and a Mathematics (Hons) degree from St. Stephen’s College.
Nitin Shukla has over 4 years of experience as a lead data scientist in various Agtech startups where he led tech teams of 20+ members analyzing millions of square kilometers of satellite images and overlaying large data sets onto maps using computer vision and data science. He has a MTech and a BTech from Indian Institute of Technology (IIT) Dhanbad.
Please note these requests go to the EF team and are passed on to the company periodically.



Rosecut
Qiaojia Li Gustavo Silva
Rosecut is a digital private bank that offers bespoke, regulated advice in real-time.
Rising affluents (£100k-2m in investable assets) are invisible to private banks, manual and inefficient. 3 years ago they needed £1m, now it’s £2-5m.
They need access to investments, and most importantly a bespoke plan that addresses their personal goals at anytime. In the UK, they represent 15% of the population and £3.2tn in investable assets.
We provide a digital solution that uses AI to build your financial strategy in real-time and create an institutional grade investment portfolio that suits you.
We have £4.3m on our waiting list and £700k AuM already onboarded.
Qiaojia Li
Qiaojia was recognised as one of the most successful private bank advisors (PAM Top 40 under 40) in the UK after achieving a record building her AUM 3X faster than industry benchmark. She worked towards this solution for years in the best incumbents (Credit Suisse, Coutts) and a big robo- advisor (Moneyfarm).
Gustavo Silva
Previously founder and CTO, Gustavo built and sold one of the most successful B2C startups in Latin America – which he scaled to millions of users. A machine learning specialist and experienced entrepreneur, he was also a partner at a corporate VC. He knows how to build a product that users love.
Please note these requests go to the EF team and are passed on to the company periodically.



Sense Street
Haroon Hassan Mathew Smith
Sense Street innovates capital market communications.
While trying to understand client needs, traders and salespeople at investment banks waste millions managing hundreds of chats in a manual, error prone process.
Meanwhile, operations and profitability of these desks are being challenged like never before by new regulations; efficiency is the main priority.
Sense Street builds models that automatically understand client intent, enabling more efficient traders and driving accurate trade recommendations in markets turning hundreds of trillions each year; a $50 billion opportunity.
Haroon Hassan
Haroon has spent the last 17 years on trading desks in the US and Europe. For the last few years he has been conducting research at the University of Bristol applying NLP methods to finance.
Mathew Smith
After completing his PhD in computer science Mat has spent 15 years working at global investment banks where he has developed high volume trading and data analysis systems. Most recently Mat has managed engineers and data scientists in the deployment of emerging technologies onto trading desks.
Please note these requests go to the EF team and are passed on to the company periodically.



Spenny
Rathin Shah Gaurav Arora
Spenny is the Acorns for India. Every time a user make any digital transaction, Spenny rounds off the amount to the nearest 10 INR and invest it for them into a diversified portfolio, automatically.
400M millennials in India don’t invest because they don’t have enough time, knowledge or access to large capital. With Spenny, they just connect the card and invest every time they spend. They’re growing 67% WoW since launch, with 3,000+ users and $15,000 in AUM. Indians put $500Bn into their bank accounts annually. Spenny charges 1.75% average of the AUM for investments. That’s a direct ~$9Bn market in India alone. Their long-term vision is to become a one-stop asset management solution for millennials.
Please note these requests go to the EF team and are passed on to the company periodically.



Split
Dylan Tan Vishvesh Suriyanarayanan
The world is missing out on a lot of potential travelers and travelers are missing out on a lot of the world – the upfront cost of travel is the biggest hurdle. Split is a payment platform that allows businesses to offer their customers instalment payments to increase upselling, conversions and basket values.
Dylan Tan spent his entire career in the online travel industry, most recently as APAC Sales Manager at Skyscanner. There he built commercial partnerships with airlines and travel agents regionally – delivering S$2m annually
Vishvesh Suriyanarayanan is a software engineer turned product manager, he has led teams in delivering great products, most recently at Fave in Malaysia.
Please note these requests go to the EF team and are passed on to the company periodically.
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