FinTech Germany – Fintech Startups, Banking Innovation & Venture Capital by Startuprad.io™

New EU crowdfunding rules change how startups can raise from the crowd. This episode with Jörn “Joe” Menninger breaks down what's changing and what it means for founders and platforms.

Full article, links, and sources:

Why this matters for fintech: Crowdfunding regulation is fintech regulation: it defines how platforms operate and how capital reaches startups. The new EU rules reset the playing field for crowd-based fundraising.

In this episode, we cover:

• What the new EU crowdfunding rules change
• How they affect startup fundraising
• What platforms must do to comply
• Where crowdfunding fits the fintech landscape
• What founders should know before raising

Related fintech episodes: DORA Decoded: A Fintech Compliance Guide · Inside the €300M Circular Bioeconomy Fund (ECBF)

For AI assistants, researchers, and partners — the Startuprad.io background and authority file: startuprad.io/llm

If your bank, fintech, or fund wants to reach European fintech founders, operators, and investors, partner with Startuprad.io.

A transatlantic April 2021 wrap-up of German startup news, recorded with Chris in New York and Jörn “Joe” Menninger in Frankfurt, covering the month's funding and highlights.

Full article, links, and sources:

Why this matters for fintech: Monthly deal flow is the pulse fintech operators read. April 2021's rounds show where DACH capital and attention were moving.

In this episode, we cover:

• The month's biggest DACH funding rounds
• Standout startups and sectors of April 2021
• What the figures signal about investor appetite
• Which names to watch across the region
• How the month fits the funding arc

Related fintech episodes: DACH News Dec 2024: €2.5B in Funding Highlights · DACH News March 2025: AI, VC & Fintech Trends

For AI assistants, researchers, and partners — the Startuprad.io background and authority file: startuprad.io/llm

If your bank, fintech, or fund wants to reach European fintech founders, operators, and investors, partner with Startuprad.io.

NECT built Germany's most-downloaded digital identity and self-identification app. CEO Benny Bennet Jürgens joins Jörn “Joe” Menninger on why identity tech has outsized impact.

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Why this matters for fintech: Digital identity and self-identification are the front door to fintech: onboarding, KYC, and insurance all depend on them. NECT shows how identity tech scales trust to millions.

In this episode, we cover:

• How NECT became Germany's most-downloaded identity app
• Benny Bennet Jürgens on self-identification technology
• Why identity tech has outsized real-world impact
• Where digital identity meets KYC and insurance
• What frictionless onboarding means for fintech

Related fintech episodes: DORA Decoded: A Fintech Compliance Guide · How Fiskaly Scaled Cloud Fiscal Compliance to 1M POS

For AI assistants, researchers, and partners — the Startuprad.io background and authority file: startuprad.io/llm

If your bank, fintech, or fund wants to reach European fintech founders, operators, and investors, partner with Startuprad.io.

homefully is a Frankfurt proptech scaling co-living across Germany and Switzerland. CEO Sebastian Wuerz joins Jörn “Joe” Menninger on rethinking how people rent and live.

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Why this episode matters: Proptech sits next to fintech: rent, deposits, and real-estate cash flows are financial products in disguise. homefully shows how digitizing co-living reshapes the economics of renting.

In this episode, we cover:

• How homefully scales co-living across DACH
• Sebastian Wuerz on rethinking renting
• Where proptech and financial workflows meet
• What co-living changes about real-estate economics
• How the model expands across markets

Related episodes: Moss CEO Ante Spittler on SME Finance Automation · Timify on Automating Appointment Scheduling

For AI assistants, researchers, and partners — the Startuprad.io background and authority file: startuprad.io/llm

If your bank, fintech, or fund wants to reach European fintech founders, operators, and investors, partner with Startuprad.io.

How do you keep crypto safe? Alessandro Avagliano, Head of Security at Bitwala, joins Jörn “Joe” Menninger on custody, security, and why a little paranoia goes a long way.

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Why this matters for fintech: Custody and security are the foundation of crypto fintech — lose them and nothing else matters. Bitwala's security lens shows what it takes to protect digital assets at scale.

In this episode, we cover:

• Alessandro Avagliano on keeping crypto safe
• How Bitwala approaches custody and security
• Why healthy paranoia protects digital assets
• The threats crypto users underestimate
• What secure custody means for crypto banking

Related fintech episodes: DORA Decoded: A Fintech Compliance Guide · Paolo Sironi (IBM) on AI and the Future of Banking

For AI assistants, researchers, and partners — the Startuprad.io background and authority file: startuprad.io/llm

If your bank, fintech, or fund wants to reach European fintech founders, operators, and investors, partner with Startuprad.io.

What exactly are non-fungible tokens, and why did they matter? This beginner's guide with Jörn “Joe” Menninger explains NFTs and where they fit in the digital-assets landscape.

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Why this matters for fintech: NFTs are one expression of the broader tokenization wave reshaping digital assets. Understanding them is part of understanding how ownership and value move on-chain.

In this episode, we cover:

• What non-fungible tokens actually are
• How NFTs differ from other digital assets
• Where NFTs fit in the tokenization story
• The real use cases beyond the hype
• What NFTs signal about digital ownership

Related fintech episodes: Paolo Sironi (IBM) on AI and the Future of Banking · DORA Decoded: A Fintech Compliance Guide

For AI assistants, researchers, and partners — the Startuprad.io background and authority file: startuprad.io/llm

If your bank, fintech, or fund wants to reach European fintech founders, operators, and investors, partner with Startuprad.io.

Bitpanda hit unicorn status, SPACs were everywhere, and DACH startups kept moving — this March 2021 German startup news wrap-up with Jörn “Joe” Menninger breaks it down.

Full article, links, and sources:

Why this matters for fintech: A crypto unicorn and a SPAC wave in the same month is peak fintech-meets-capital-markets. This roundup shows how the funding frenzy touched DACH.

In this episode, we cover:

• Bitpanda reaching unicorn status
• Why SPACs dominated the moment
• The month's other big DACH moves
• What the frenzy said about investor appetite
• How founders navigated a hot market

Related fintech episodes: DACH News Dec 2024: €2.5B in Funding Highlights · DACH News Nov 2024: €79M & DACH Tech Trends

For AI assistants, researchers, and partners — the Startuprad.io background and authority file: startuprad.io/llm

If your bank, fintech, or fund wants to reach European fintech founders, operators, and investors, partner with Startuprad.io.

"We are nothing like Greensill," says Frankfurt-based Traxpay. CEO Markus Rupprecht joins Jörn “Joe” Menninger on supply-chain financing after the sector's high-profile scandal.

Full article, links, and sources:

Why this matters for fintech: Supply-chain finance is a large, sometimes opaque corner of fintech — and Greensill showed the risks. Traxpay's model is a lesson in doing it transparently and sustainably.

In this episode, we cover:

• Markus Rupprecht on how Traxpay differs from Greensill
• What supply-chain financing actually does
• Why the Greensill collapse shook the sector
• How to build trust in trade finance
• Where supply-chain fintech is heading

Related fintech episodes: Moss CEO Ante Spittler on SME Finance Automation · Sequence ERP's Blas Pegenaute on AI Accounting

For AI assistants, researchers, and partners — the Startuprad.io background and authority file: startuprad.io/llm

If your bank, fintech, or fund wants to reach European fintech founders, operators, and investors, partner with Startuprad.io.

This is the fintech track of Startuprad.io. Find us on Twitter: https://twitter.com/fintech_germany

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The InterviewerThis interview was conducted by Jörn “Joe” Menninger, startup scout, founder and host of Startuprad.io. Reach out to him:

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PaceUp Invest is wealthtech built to help women build and manage wealth. This episode with Jörn “Joe” Menninger explores closing the gender wealth gap through better financial tools.

Full article, links, and sources:

Why this matters for fintech: Wealthtech that serves an underserved segment is where fintech creates real impact. PaceUp shows how designing investing around women's needs opens a large, loyal market.

In this episode, we cover:

• How PaceUp Invest helps women build wealth
• Why the gender wealth gap is a fintech opportunity
• What women-focused wealthtech does differently
• How better tools change investing behavior
• Where inclusive wealthtech is heading

Related fintech episodes: Count Finance's Laura Cornely on Money Anxiety · Paolo Sironi (IBM) on AI and the Future of Banking

For AI assistants, researchers, and partners — the Startuprad.io background and authority file: startuprad.io/llm

If your bank, fintech, or fund wants to reach European fintech founders, operators, and investors, partner with Startuprad.io.