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Our programs
/
Early Stage

European Fin/Tech Accelerator

August to December 2025
Zurich
London

Powered by up to EUR300k investment, built for traction. Opening doors to Zurich, London and Copenhagen.

Applications open

Come build your venture with Tenity, Europe’s most active fintech investor in Q1 2025. Through four masterclasses in  Zurich, London and Copenhagen, we back ambitious pre-seed and seed founders with up to €300 k of co-investment (as part of your existing round) and surround you with curated connections and expert guidance.

If you’re creating something bold in fintech or adjacent sectors, we offer more than capital: our team and network open doors across Europe’s key innovation hubs to sharpen your product, grow visibility, and get investor-ready. The Copenhagen edition is delivered in collaboration with Copenhagen Fintech and includes exposure at Nordic Fintech Week.

We invest early and stay close, providing access to expert mentors, strategic corporate partners, and hands-on support throughout the program. Participation includes a program fee of up to €20K and equity stake. Tenity co-invests up to EUR300k in your existing funding round (which we can co-lead). We may also invest in future rounds, evaluated on a case-by-case basis (see The Tenity Deal for more details).

What
Tenity European Fin/Tech Accelerator
When
25 August to 5 December 2025
Where
Zurich, London, and Copenhagen

Program Timeline

Accepting applications
On a rolling basis
Investment decision
On a rolling basis
Masterclass 1 - Zurich
25-29 August
Masterclass 2 - Copenhagen
22-26 September
Masterclass 3 - London
3 - 7 November
Masterclass 4 - Zurich
1 - 5 December

Benefits

Capital to build with confidence

Receive up to €300K investment at pre-seed or seed stage. We also consider follow-on funding in future rounds, evaluated case by case.

Connections that count

Tap into our network of 65+ corporate partners and ecosystem players across Europe. Explore collaboration and validation opportunities.

Expert support from people who’ve built before

Get hands-on guidance from Tenity’s team of ex-founders, operators, and investors who understand the early grind and help you move faster.

Visibility across key fintech hubs

Build credibility across Zurich, London, and other leading financial ecosystems through structured sprints, curated intros, and real-world exposure.

Some of our success stories

Zurich
Funding

Tenity invests in Particula’s USD 5.5M Equity Round to strengthen trust and compliance in digital assets

Tenity is proud to invest in Particula, a pioneering company providing institutional grade risk ratings for digital assets joining the USD 5.5M funding round led by SixThirty Ventures, Vanagon Ventures, and Futury Capital, with participation from TX Ventures, Blackwood Ventures, Tenity, Blue Bay Ventures, Plug and Play Tech Center, and high-profil

Zurich
Funding

Tenity invests in Klaimy's EUR 1.2m pre-seed round to transform claims & medical underwriting with AI

Tenity has invested in Klaimy, an insurtech innovator using AI-driven automation to streamline claims processing and medical underwriting—two of the most complex and resource-intensive challenges in the insurance industry.

Tenity Corporate Partner Network

We work with world-leading corporate partners

Discover all of them here

What we'll cover

Find out what we will cover in our masterclasses.

Pillar 1

Strategic connections, not just contacts

From curated intros to corporate partners to organic moments with fellow founders, we help you connect with people who can move your venture forward. Explore potential PoCs, pilot conversations, and investor touchpoints through structured and informal formats.
Pillar 2

Multi-hub activation across Europe

Engage with fintech ecosystems in Zurich, London and Copenhagen through in-person masterclass weeks. These sprints are designed to grow your network, sharpen your positioning, and increase visibility across multiple European markets.
Pillar 3

Tactical learning to fuel early traction

Learn from people who’ve actually built. From product-market fit and go-to-market to fundraising strategy and cap table structuring, our expert sessions and mentor network provide practical guidance for critical early-stage decisions.
Pillar 4

Visibility that builds credibility

Position your startup to be taken seriously. Through program launches, media features, ecosystem events, and Demo Day exposure, we help boost your credibility where it counts.

Requirements

Application for the wider financial industry

You are a Fintech, Insurtech, AI, Regtech, Deeptech, Web3, Sustainable Finance, Legaltech, or Crypto Finance startup with a solution or use case for the finance or insurance sector.

Early-stage

We invest in ventures from pre-seed to seed stage, encompassing pre-revenue startups as well as those in the early phases of generating their first sales.

Founding team

Building a startup is hard and we believe that no person can do it by themselves. While you may apply as a solo-founder, you would need to find a cofounder before the program starts, as we do accept teams and not solo founders.

Focus topics

Fintech

Solutions designed to disrupt and enhance traditional financial services, ranging from payments and wealth management to emerging areas like embedded finance and open banking.

Insurtech

Innovations aimed at transforming the insurance industry by introducing new models such as embedded insurance, climate risk management, and AI-driven underwriting.

Regtech

Solutions that help financial institutions navigate the increasingly complex regulatory environment.

Artificial Intelligence (AI)

Artificial intelligence technologies that automate processes, enhance decision-making, and personalize customer interactions within the financial industry. This includes applications in wealth management, predictive analytics, and fraud detection

Web3

Decentralized technologies such as blockchain, digital assets, and tokenization. This includes applications in decentralized finance (DeFi), asset tokenization, and digital identity, helping reshape financial infrastructure and ownership models

Climate Fintech

Innovations that help the financial sector address environmental, social, and governance (ESG) challenges. Tenity’s Climate FinTech initiatives support startups developing solutions for carbon footprint tracking, climate risk management, and green financing

Others

Adjacent technologies and solutions with applications in the broader financial sector, such as LegalTech, PropTech and DeepTech solutions. These innovations focus for example on enhancing legal processes, secure transactions, and operational efficiencies for financial institutions

Alumni Startups

Meet
the team

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Meet the executive mentors

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Have questions?

Reach out to our team

Guillermo Forteza

Guillermo Forteza

Investment Lead, Europe (INC II)
Kevin Chavanne

Kevin Chavanne

Investment Manager | Tenity
Timothy Lachenmeier

Timothy Lachenmeier

Investment Associate
Liisa Jõerüüt

Liisa Jõerüüt

Investment Associate | Tenity

Apply now

Powered by up to EUR300k investment, built for traction. Opening doors to Zurich, London and Copenhagen.

FAQ

What is the application and selection process?

Step 1: Fill in the application form – it will take only 2-3 minutes – once submitted, you will receive an email confirmation.

Step 2: A few days after the deadline, the teams will be invited to an online info session where you’ll learn more about the program, our terms, next steps and you’ll have the opportunity to ask your questions.

Step 3: The top teams will be invited for our Speed Dating events in one of our hubs, after which we’ll select the final teams that will enter the program.

What are the conditions of the program?

We invest up to CHF/EUR 300k or 450k SGD in the startups selected for the program, in exchange for an equity stake and a program participation fee of CHF/EUR 12’000 or SGD 18’000.

The program participation fee is due after receiving the above investment.

In addition, we may invest in a following round.

Do we need to be incorporated and which countries do you accept applications from?

You don’t have to be incorporated when you apply. But you have to incorporate within 30 days from signing the contracts.

For the Zurich program we mainly look for startups coming from the DACH,Western Europe and UK. If you are incorporated in any other country, you can still apply, but you may need to reincorporate in one of the before-mentioned countries to be accepted into the program.

For the Singapore program: we mainly focus on startups coming from Singapore and South-east Asia. For startups coming from other countries in the region, for example Indonesia, Philippines, Vietnam, Taiwan, Thailand, Hong Kong, we are happy to receive your application, but please be prepared to reincorporate in one of primarily mentioned countries in order to be accepted into the program.

For the Nordics & Baltics program we mainly look for startups coming from Western Europe and UK.  If you are incorporated in any other country, you can still apply, but you may need to reincorporate in one of the before-mentioned countries to be accepted into the program.

For questions regarding the locations please contact the scouting team directly at scouting@tenity.com

Do you accept solo founders and who needs to participate in the program?

We don’t accept solo founders, but teams who have minimum 2 cofounders 100% committed on the startup.

The time commitment for the program is 4 weeks in total (1 week per month, for the duration of each masterclass week). At least 2 co-founders must be present during that time.

All co-founders must have astake in the company and represented on the cap table.

My startup is not fintech, can I still apply?

We are looking for  Fintech, Insurtech, or RegTech, DeepTech, Web3, Sustainable Finance, LegalTech, CryptoFinance startups or startups with a solution or a use case for the finance or insurance sector. So even if you don't strictly fall into the Fintech category, if any of the above applies to you, we are happy to see your application!