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This week\u2019s edition of Finovate Global<\/a> features the latest fintech headlines from Germany.<\/p>\n Berlin-based spend management platform Moss raises capital<\/p>\n Germany has a new fintech unicorn.<\/p>\n Moss<\/a>, a spend management platform based in Berlin, has raised \u20ac30 million ($35 million) in Series C funding. The round was led by Portage and Cherry Ventures. It brings the company\u2019s total funding to more than \u20ac200 million ($234 million) and gives the firm a valuation of more than \u20ac1 billion. The funding will enable Moss to develop additional AI agents to automate financial processes for small and medium-sized companies.<\/p>\n \u201cThis round reflects the trust of customers and partners in shaping the future of finance,\u201d Moss CEO and Co-Founder Ante Spittler said in a LinkedIn post announcing the investment. \u201cIt allows us to expand beyond spend management and further build out our Finance AI product suite. Soon, Moss will allow customers to configure agents for every finance job while maintaining full control over every step and decision taken. This is Finance AI, shaped by you.\u201d<\/p>\n Founded in 2019 by Spittler, Anton Rummel, Ferdinand Meyer, and Stephan Haslebacher, Moss was among the first fintechs to offer corporate credit cards to German startups. Today, the company combines corporate cards, invoice management, reimbursements, real-time budgeting, and automated accounting in a single platform. Moss leverages agentic AI to automatically categorize and reconcile transactions and reports that its AI agents process more than two million transactions a month.<\/p>\n The investment also paves the way for Moss\u2019 development of what the company and investor Cherry Ventures refer to as Finance AI: \u201cAI that prepares the work, shows its reasoning down to the ledger account, and takes no consequential action without the team\u2019s sign-off,\u201d Cherry Ventures noted in a LinkedIn post. \u201cMoss asked its customers what they wanted from AI and built exactly that, control at every step.\u201d Cherry Ventures was referring to a Moss survey that indicated that 48% of financial leaders identified \u201ccontrol\u201d as their top priority when it came to deploying AI, with only 6% wanting AI to have \u201cfull autonomy.\u201d<\/p>\n Moss serves more than 5,000 businesses and generates more than \u20ac70 million in annual revenue. In addition to its Berlin headquarters, the company has offices in Tallinn and Amsterdam.<\/p>\n YouLend partners with comrce on embedded capital <\/p>\n Embedded finance platform YouLend and e-commerce software platform for German SMEs comrce have forged a strategic partnership to help small businesses access working capital directly from within their current e-commerce operations. The partnership will combine comrce\u2019s e-commerce platform with YouLend\u2019s embedded finance technology to enable Germany\u2019s 24,000 merchants to explore potential financing options.<\/p>\n \u201cWith YouLend, we are expanding our e-commerce offering with a service that can support merchants as they take their next steps towards growth,\u201d comrce Head of Partner Management Amirah Hadry said. <\/p>\n YouLend and comrce have been partners since May, but are just now formally announcing their alliance. The partnership will make information about YouLend financing options available alongside the software and communications channels used by merchants to manage orders, inventory, accounting, and customer service. comrce will direct merchant financing queries to YouLend, which manages the financing process via its digital platform.<\/p>\n \u201ccomrce is part of the day-to-day operations of around 24,000 merchants,\u201d YouLend General Manager Europe Leonard Strigel said. \u201cNow, we are bringing them flexible financing options to give them greater access to growth capital. Our partnership demonstrates how embedded financing is incredibly vital to the day-to-day success of small businesses.\u201d<\/p>\n Founded in 2015 and headquartered in the UK, YouLend offers an embedded financing platform that powers e-commerce, payments, and technology firms ranging from Amazon to SumUp. The company operates in more than 11 markets across the UK, EU, and US.<\/p>\n A leading e-commerce software hub, comrce offers specialized e-commerce solutions such as Billbee (automated order processing), Amainvoice (accounting software), Replyco (e-commerce helpdesk), and VentoryOne (inventory management) from a single location. Headquartered in Twistetal, Germany, and founded in 2023, comrce gives retailers an integrated ecosystem for automation, multichannel management, and revenue optimization.<\/p>\n N26 integrates with Instant Payments System Wero<\/p>\n Berlin-based neobank N26 has unveiled its support for Wero<\/a>, the new pan-European instant payment system, via its mobile app. The launch makes the payment service available to eligible customers in Germany and France, with a gradual rollout to other markets planned for the future.<\/p>\n N26 joined<\/a> the payment system in December 2025, entering into a strategic collaboration that has culminated in the August launch. Embedding Wero into the N26 app\u2019s native transfer flow will enable users to benefit from a single European payment standard for daily digital transactions. The integration will allow users to send and receive funds instantly with individuals who do not hold an N26 account without requiring bank details or an additional app. Transfers are powered by SEPA Instant and the Wero network and arrive in the recipient\u2019s account in less than 10 seconds.<\/p>\n \u201cInstant payments without an IBAN have been a core N26 feature since our inception,\u201d N26 Chief Product and Business Officer Daniel Lappas said. \u201cWith Wero, we\u2019re extending this seamless experience to the broader European banking ecosystem, bringing the simplicity N26 customers already know to even more people.\u201d<\/p>\n A European digital bank with a German banking license, N26 offers secure, digital-native banking to millions of customers across 24 markets. Founded in 2013, N26 offers bank accounts, debit cards, international transfers, savings and investments, and insurance products. Today, the bank holds more than \u20ac10.5 billion in customer deposits and reported annual revenue of more than \u20ac500 million in 2025, marking the firm\u2019s first full year of net profitability. N26 started the year with the launch<\/a> of its N26 for under 18s solution, a debit card designed for children aged 7 to 17 and managed via their parent\u2019s N26 app.<\/p>\n Here is our look at fintech innovation around the world.<\/p>\n Central and Southern Asia<\/p>\n India-based digital financial services firm Navi secured an investment of $100 million<\/a> from Dutch asset manager Prosus.<\/p>\n India\u2019s RazorPay unveiled<\/a> Vulcan, its AI payments foundational model, powered by NVIDIA and AWS.<\/p>\n IBS Intelligence looked at<\/a> how wealthtech is driving growth in India\u2019s fintech sector.<\/p>\n Latin America and the Caribbean<\/p>\n Brazilian digital bank PicPay introduced an integration<\/a> with ChatGPT, enabling customers to access financial data via generative AI.<\/p>\n Banco Plata, a Mexican neobank, announced its expansion<\/a> into Colombia.<\/p>\n Uber invested<\/a> in Chilean fintech Galgo to support the firm\u2019s motorcycle financing business.<\/p>\n Asia-Pacific<\/p>\n Sub-Saharan Africa<\/p>\n South African payment gateway Onafriq partnered<\/a> with Dubai-based credit infrastructure company _able and Visa to expand credit access in Africa.<\/p>\n Nigerian fintech Pouchers raised $500,000 in pre-seed funding<\/a> to scale its stablecoin-powered cross border payments business.<\/p>\n Mastercard and Flash teamed up<\/a> to expand access to digital payments in the Democratic Republic of the Congo (DRC).<\/p>\n Central and Eastern Europe<\/p>\n The European Investment Fund (EIF) has partnered<\/a> with Polish national development bank, Bank Gospodarstwa Krajowego (BGK), to launch a \u20ac30 million venture capital fintech fund.<\/p>\n Berlin-based AI-powered spend management platform Moss raised \u20ac35 million<\/a> in Series C funding, earning a valuation of \u20ac1 billion.<\/p>\n PPRO teamed up<\/a> with Blik to develop agentic commerce capabilities for local payments in Poland.<\/p>\n Middle East and Northern Africa<\/p>\n Digitally native bank Yomo secured preliminary approval<\/a> from the Central Bank of Egypt.<\/p>\n UAE-based payment gateway Telr teamed up<\/a> with Jordanian commerce platform Jet Application.<\/p>\n![\"\"](\"https:\/\/www.europesays.com\/germany\/wp-content\/uploads\/2026\/08\/Screenshot-2026-08-21-at-11.42.57-AM-scaled.png\")
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