Knuru Capital

We invest across Seed and Series A startups and empower visionary entrepreneurs to build unique solutions that reshape the way Indians live, work, consume and transact. Vision Play a vital role in the Indian startup ecosystem by enabling entrepreneurship in the digital economy. Mission To create deep long-term partnerships with founders through the challenges of building their ideas into successful enterprises. The Kalaari Philosophy When it comes to startups, there is no fast track to success. Multiple factors must come together for a startup to achieve its vision. Kalaari considers it a privilege to invest in imagineers of tomorrow, who will transform and create massive impact at scale. We are allies to our portfolio companies in their journey. We provide significant support to first-time founders and work with them to navigate the inevitable challenges of fostering ideas into successful businesses. Your pedigree is not important to us; your potential is. Accelerate: Kalaari brings decades of experience to accelerate startups at scale. Authentic: Being authentic consistently in all our interactions is at the core of our relationship philosophy. Perceptive: Bring deep insights and understanding to your entrepreneurial journey. Enabler: Working closely with founders in achieving their vision by making a meaningful difference. Responsive: Always be your first port-of-call, remaining approachable at every step. The Investment ThesisPassionate founders focused on disruptive products. Visionary founders who are re-imagining the way we live, work, consume and transact. Ambitious founders with clarity of thought and differentiated insights. Pragmatic founders building value for the long term. Founder Promise We are committed to helping founders grow to become leaders of great companies. We bring authenticity and integrity in all our interactions. Besides capital, we bring differentiated domain knowledge, access, thoughtful deliberation, and company building to the companies we back. We back disruptive entrepreneurs early stage to set them on a course for success.

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

We invest in Pre-Seed to Series B companies globally, with a focus on South East Asia and India. Our portfolio covers all verticals, including but not limited to fintech, e-commerce and web3.

The Internet has reached in, grabbed, and made the world we once knew totally unrecognizable. Yet the world of finance is, sadly, totally recognizable. The way we transact, save, borrow, invest and manage our money has barely advanced. Yes, there has been some recent innovation– we’re proud to have invested behind many of the intrepid entrepreneurs who are leading the charge – but it is far from enough. In short, we are still at the beginning of the beginning. Case in point: less than 1% of all loans in the world are made online. (Yeah, you heard us right). We’re all stuck in a financial time warp. And just like newspapers, travel agents, hotels and taxi companies have been turned upside down from outside the cozy confines of their industries, don’t expect banks to lead us out of the warp. They’ve proven themselves either unable to create internal environments where innovation can flourish – or simply unwilling to change even though it’s best for their customers. Ribbit Capital is a global investment organization with one single, relentless mission: to change the world of finance. When we look back at our mantra from the day we launched in 2012, the beliefs and values motivating our mission have not changed. This we believe:We believe the unstoppable movement of consumers and business owners to mobile will resound in financial services for decades to come. We believe change favors new entrants and their new brands. We believe that legacy players will lag and sputter. We believe consumers are ready to be inspired. Over the past few years, our convictions have deepened. We have invested in visionary entrepreneurs who are also hard-headed pragmatists. We’ve given them support, guidance, and running room. And we’ve watched with awe as they have begun to reshape the financial world. Our goal isn’t just to write checks. It’s to deposit and grow ideas. We look at finance with a hungry eye for change, and with a desire to share our learning and experience – including some painful mistakes along the way –with ambitious entrepreneurs. When they succeed, they will create the next JP Morgans, Citibanks and Schwabs - tomorrow’s enduring brands. “Our goal isn’t just to write checks. It’s to deposit ideas.” For us, the passion is also personal: we have lived through hyperinflation in two countries, started innovative financial services businesses on three continents, and been regulated by seven governments. Since launching Ribbit, we have invested behind entrepreneurs in ten different countries who are providing financial services to customers in nearly every major city on earth. We invest this broadly because the tectonic shifts we are funding are deep and global. Millions who are joyfully stepping into the middle class now have opportunity to interact with the formal financial system for the first time. Consumers everywhere are waiting expectantly – and often with mounting frustration – for financial services providers to finally bring them true efficiency, transparency, and radical simplicity. The next generation of consumers has about as much patience for Big Finance as they do for Big Anything. Driven by this, we will help create and nurture a thriving, bustling new world in lending, personal finance, insurance, financial software, bitcoin, and more. The technology is here - the Internet, social networks, smart phones, electronic payment systems, and massive processing power in the cloud. The ideas are here as well. What’s in short supply is the investment focus, support, and partnership to accelerate their success. It takes money to change money.

We are the Credicorp’s Corporate Venture Capital (CVC) with the challenge of choose, invest, and help the best Fintechs and Startups of Andean Region to growth. In every portfolio company we look for the balance between financial and strategic return, seeking the right strategy for each of them. We have a specialized team constantly searching new investment opportunities and disruptive growth with a strategic direction and portfolio management in Andean Region.

At the intersection of fintech and venture capital, Global Millennial Capital’s unique strategy aims to generate statistically correct returns in early-stage deals. We bet on big data and deep analysis to generate superior and long-term investment decisions Most of venture capital funds do not return more than 1x of investor capital due to lack of deal pipeline, we bring access to millions of deals globally across various sectors and stages. We provide access to Silicon Valley’s latest opportunities through the analysis of big data and our dedicated offices on the ground in Palo Alto. We bet on the next generation of unicorns, companies that operate in the online space who empower consumers to live on their own terms! We believe in the endless applications of our machine learning and our first mover unfair advantage, as artificial intelligence continues to turbo-charge the venture capital industry. We developed the most collectively intelligent investment analyst with a knowledge of more than 100,000 early-stage ventures, being able to provide unique company score within 4 minutes. Our data and machine learning algorithm is the first artificial intelligence concept applied in seed and early growth stages We utilize publicly available information about companies to perform multilayered statistical analysis, labels, clusters, text, numbers and images by determining company success score, out of very large data sets. 456,000 analyzed opportunities for the last 24 months using our proprietary V score and AI algorithm to identify white spaces. 15 founders backed extraordinary entrepreneurs leading change and transformation by building the next generation of technology companies. 12 investees selected using artificial intelligence algorithm coupled with deep data and technical analysis. $500 million market capitalization of the portfolio companies within the global fintech sector we invested in using our AI and data models (January 2023).