Alloy Labs Alliance

Capital One Ventures starts with a deep understanding of Capital One's strategic priorities, markets and technologies. We seek out companies across industries and investment stages. We align with entrepreneurs on the strategic rationale for our investment. We then help our portfolio companies with guidance on product and business development, and engagement with Capital One. CAPITAL ONE Founded on the belief that the banking industry would be revolutionized by information and technology, Capital One is on a mission to help our customers succeed by bringing ingenuity, simplicity and humanity to banking. Still founder-led, Capital One is a Fortune 100 company offering consumer, small business and commercial financial services. Capital One is Changing Banking For Good: All-in on the Cloud Powered by machine learning & AI Committed to customers' succes OUR TEAM Based in San Francisco, New York and at Capital One's headquarters outside of Washington, DC, Capital One Ventures is a team of investors and operators with deep tech, data and financial services experience.

Zukunft gestalten. Mit Weitblick investieren. Regionen stärken. Wir entwickeln neue Geschäftsmodelle und investieren in Start-ups. Als Teil der Genossenschaftlichen FinanzGruppe bauen wir ein „Beyond Banking“-Ökosystem, das konsequent die Lebenswelten unserer Kunden und Mitglieder in den Mittelpunkt stellt und regionale Strukturen stärkt. Im Kern unserer Arbeit stehen deshalb die Fragen: In welchen Lebenswelten bewegen sich Menschen heute und in Zukunft? Wie können wir unternehmerische Lösungen wertvoll und nachhaltig schaffen? Wo stecken neue Geschäftsmodelle in einer immer komplexer werdenden Welt? INVEST IN PEOPLE Wir investieren in Ideen von morgen mit nachhaltigem Mehrwert und einem spürbaren Impact auf alltägliche Lebensbereiche der Menschen. Durch strategische Investments in zukunftsfähige Geschäftsmodelle, fördern wir erfolgversprechende Start-ups innerhalb und außerhalb der Finanzgruppe und erweitern damit das genossenschaftliche Ökosystem. Unser Ziel ist es, Start-ups mit großem Potential zu entdecken, zu unterstützen und mit ihnen partnerschaftliche Beziehungen aufzubauen. Wir wollen Start-ups dabei helfen, ihr volles Potential auszuschöpfen und gleichzeitig die genossenschaftlichen Werte fördern. THINK BEYOND BANKING Wir gehen neue Wege und entwickeln mit unseren Partnern Geschäftsmodelle und Unternehmen. Vom Trendscouting über die Validierung ökosystemisch relevanter Geschäftsmodelle bis hin zur Markteinführung: In unserem Venture Builder vereinen wir jahrzehntelange Erfahrung einer der größten Bankengruppen Europas mit der Expertise von erfahrenen Entrepreneur:innen, Entwickler:innen und Designer:innen.

Our name says it all - we identify and invest in the leading bank technology companies, and are deeply entrenched in community banking to make sure the companies work effectively with our banks to deliver maximum value and impact. The ecosystem we’ve developed is our greatest strength and is why 100+ leading community banks have joined us, and also why leading technology entrepreneurs work with us.

Mouro Capital is a venture capital firm investing in the future of financial services. With $400m in assets under management, we back ambitious entrepreneurs leading early to growth stage businesses across Europe, North America, and Latin America. Like our namesake Mouro Island, whose lighthouse acts as a beacon for travelers to the Bay of Santander in Northern Spain, we help guide teams as they build the businesses that transform the financial sector. What we invest in We take a broad view to the future of financial services, looking even beyond today’s industry boundaries. We ask ourselves fundamental questions and build strong theses around topics we are passionate about while keeping an open mind to new ideas that challenge our beliefs. Better processes. How can we bring automation and real-time applications into banking infrastructure? Alternative delivery. How can banking services be delivered through APIs? How can finance be embedded in third-party journeys? New client propositions. What new client value propositions are emerging in developed and developing markets? Technology shift. How are novel technologies and new engineering paradigms (artificial intelligence, blockchain, quantum computing) changing how we bank? Digital crossovers. What new enterprise solutions and emerging platforms will be the gateway to tomorrow’s financial services? Industry boundaries reinvented. How can industries be more integrated and converge into new white spaces fuelled by finance? What is the role of money in a data-rich world? How we invest We know how hard it is to change an industry as complex as financial services, so our investment style is flexible and adapts to each opportunity to best support you. We look for ambitious entrepreneurs, bold visions and relentless execution skills able to deliver industry-defining companies. If that describes you, get in touch. We are global but invest primarily across Europe, North America, and Latin America We invest across most lifecycle stages, from seed to early to growth We invest tickets up to $15 million and reserve additional capital for future rounds We prefer to lead but can follow others’ terms We are happy to co-invest with other value-add investors We want our investment to be meaningful enough to have a seat at the table We build the right interfaces to closely support your success We want to actively mobilize our portfolio, our network and our expertise for you

QED is the premier VC in the fintech space. We are operators well regarded for our expertise, engagement, and empathy. We invest in businesses that disrupt and empower. Fintech is about leveraging the best aspects of technology – mobile adaptation, optimising data, agile tech build, and heightening rapid learning – to make financial services better for consumers – through driving adoption, reducing friction, and creating transparency. Fintech is doing all of this rapidly, cheaply, and in modular/flexible form. But at its core, it’s about solving a problem for a user. Our Philosophy On their own, small hurdles are often easy to overcome. But stacked together, many small hurdles can present an overwhelming challenge, even for the best founder. We call this .8^5. It’s our job to help companies improve their chances of success. Back to Basics If you know anything about us, you will know we are fanatically focused on unit economics. Curious about the other principles we hold near and dear? Our Investment Criteria We invest in early-stage, disruptive financial services companies in the U.S., U.K. and Latin America. Our initial investment size typically is around $5M with significant reserves for follow-on. We keenly focus on talent. To build conviction around an investment, the company must have amazing leadership. This means that management is balanced and transparent, open to advice, and focused on unit economics. After all, Fintech is hard and we strive to work with CEOs who innately understand this. Founders who think they know all the answers are subject to stumble. We focus on companies who are unrelenting. Fintechs need to push through constant challenges in order to be true disruptors. The business must solve a real problem or create a palpable benefit for the user.Beware of technology zealots in search of a problem to solve. We are customer first in our thinking. The business must be thoughtful about managing opportunity and risk. Solving a narrower problem well is less risky, but often has less upside, than solving a bigger problem with a larger TAM. QEDis also hypothesis driven. We develop hypotheses, evaluate the universe of companies in the space, and apply full-court press to convert the best we can find. If we don’t reach a deal with a company we believe in, or if we don’t find one, we test further. Sometimes we will build it ourselves or assemble a team to build it and fund them from day zero. In that case, we tap into theCapital One diaspora – a now global network of industry leading business-builders with expertise in all aspects of financial services. We have had great success doing this through our Belay platform, building companies such as ClearScore, Wagestream, minu, MotoRefi, and two other companies that will be announced later this year, and we have scores of ideas in the pipeline.

neosfer is the early-stage venture capital investor of the Commerzbank Group. We are looking for the most promising startups in the areas of FinTech, ESG and B2B SaaS across Europe that are shaping the digital and sustainable banking of the future. As one of the leading corporate venture capital investors in Germany, we have already invested in over 29 startups, including Unicorn Grover, Circula and Pliant. Our goal is to support the founders as a long-term partner. That's why we not only support you with our investment expertise, but also open up the network of the Commerzbank Group with its 12 million private and business customers and 70,000 corporate customers to our startups.