As one of Europe’s hubs of innovation along with London, Berlin has an impressive array of FinTech companies successfully operating both within and beyond Germany’s FinTech ecosystem. In this article, we will review some of the brightest examples; a more comprehensive overview can be found in MEDICI, FinTech’s Global Knowledge Network.
ascribe helps creators to manage their valuable digital creations by providing secure attribution, easy sharing, and visibility. ascribe works closely with world-class creators, along with museums and digital marketplaces.
Billfront was born out of FinLeap, an international FinTech company builder. Their mission is to deliver cheaper, simpler and more transparent financial services to businesses and consumers. BillFront gives ad networks, publishers, and app developers faster access to their revenues.
Bitbond is a peer-to-peer bitcoin lending platform. Users can borrow Bitcoin or lend Bitcoin to other users. Bitbond conducts a credit rating for all borrowers before they can publish projects on its marketplace. The platform counts over 16,000 borrowers and provides loans for up to 100,000 with rates starting at 7.7%. Bitbond leverages bitcoin as a technology and payment network to create the first global market for small-business loans.
Clark is an insurance robo-advisor, which offers its customers a fully automated opportunity to improve their insurance situation. Along with the German Credit Bank AG, Clark cooperates with six banking institutions (DKB, ING-DiBa, N26, NIBC Direct, PSD-Bank Hannover, Raiffeisenbank Thannhausen) and enables together with over 10 million customers a secure and effortless insurance management per app or computer.
Cringle is a P2P payments service provider that allows users to split bills with friends. Money is easily transferred by simply selecting the desired recipient from the contacts on one’s smartphone. 
Crosslend offers borrowers and investors a cross-border online credit marketplace with interesting and innovative opportunities. Its business model is based on the combination of intelligent credit rating algorithms, flexible refinancing via a capital market structure, and cross-border credit brokerage in cooperation with a partner bank, FinTech Group Bank AG.
Friendsurance has implemented the concept of online peer-to-peer insurance which combines social networks with well-established insurance companies. Customers can connect to form individual insurance networks, thereby lowering their annual insurance premiums by up to 50%.
iFunded is an online