Every earlier report covered two things: the app audience (who to show Brighty App to) and the team (who to hire). This one is a first pass at a third, product-led angle: companies that could use Brighty Business — multi-currency accounts, settlements, payroll. The logic is simple and testable: a company just closed a round → it now holds money in several currencies, its headcount is growing, and it isn't yet locked into a corporate provider. We pulled from the data which companies fit that shape, why they have the need, and how you can reach them. This is our first cut toward sales — and we'll show you honestly where it's strong and where it needs your call.
prepared 2026-06-28 · MEASURED · Outricher data
The best B2B customer for a neobank is a company that has just come into money. Not "any company," but one with an operational need open right now:
round closed → the money has to be held somewhere and moved between currencies. A corporate multi-currency account is one of the first operational tasks after a close.
after a round they hire, often across several countries → they need payroll, including cross-border. That's exactly what Brighty Business covers.
a young company with a recent round isn't yet married to a big bank. Getting in at this moment is easier and cheaper than switching them later.
This is a hypothesis, and we treat it as one: we show, verifiably, how many such companies exist and what they look like. Whether this fits Brighty's current focus is your call; we're ready to narrow it or pivot in a different direction.
We show this on purpose — it's what separates measurement from a slick pitch.
The first, "wide" cut returned about 500 EU companies with a round of ≥$1M in fintech/crypto over the past year. That number sounds impressive. But when we looked at the top of the list, it was led by giants: Capgemini, AXA, UBS, Klarna, Nordea. And their "raise" is a billion-dollar debt refinancing, not a young company with a fresh round.
After the correction: ≈500 → 250 companies. Fewer, but every one is a real candidate for the product. We prefer an accurate number to an inflated one.
This isn't "everyone." The breakdown shows what's inside — young companies of exactly the type Brighty Business is closest to.
| Round stage | Companies | What it means for Brighty |
|---|---|---|
| Pre-seed / Angel | 55 | the earliest cash — a first corporate account isn't chosen yet |
| Seed | 123 | the bulk — money is in, infrastructure is only being built |
| Series A | 45 | already growing, multi-country payroll is becoming a pain point |
| Series B / C | 26 | larger — multi-currency operations are already systematic |
| Other / stage not stated | 1 | a round exists, but it isn't publicly classified |
companies in crypto / blockchain / Web3. Brighty's crypto-fiat product is a natural fit for them — not general fintech, but a direct hit on their specifics.
companies in payments and mobile payments — they understand the value of multi-currency rails because they're in that market themselves.
financial services, banking, lending, InsurTech — a wide but relevant layer with a standard corporate need.
median $3.5M, average $7.8M. These are companies with money to hold in an account and salaries to pay from it — not "empty" startups.
The whole sample sits in EU/EEA + the UK + Switzerland — the zone where Brighty operates. Top markets:
The UK is almost a third of the sample. Another 13 countries have 1–4 companies each (Norway, Cyprus, Czechia, Finland, Sweden, Austria, Greece, Lithuania, Portugal, Latvia, Malta, Liechtenstein, Luxembourg) — 25 countries in total. If Brighty's focus by licenses/markets differs, we narrow the geography to fit it in a methodically reproducible way — it's just a filter.
Not a hypothesis — rows from the data. Small EU companies with a recent round that logically need a multi-currency account.
| Company | Round | Amount | Profile | Geo |
|---|---|---|---|---|
| BKN301 | Series B | $24.4M | crypto · banking | UK |
| Spiko | Series A | $22M | crypto · fintech | France |
| Payrails | Series A | $32M | payments | Germany |
| Resistant AI | Series B | $25M | fintech · fraud detection | UK |
| Saturn | Series A | $15M | fintech | UK |
| zkr. | Seed | $7M | fintech | Netherlands |
| ZTL | Seed | $2.3M | payments · fintech | Norway |
| Pikkopay | Seed | $1.8M | payments | France |
Compare with the "fat" cut from section 02 (Capgemini, AXA, UBS): here are exactly the companies that need the product. Small, recently funded, in the right geography.
A recent round is both a public reason and a convenient moment for a first touch. A few angles that work:
a raise is public news. Opening with "we saw your round — we help teams like yours with multi-currency accounts right after close" is natural and on point.
after a round they hire across several countries. A concrete payroll offer hits a real, fresh task — not a generic "we have accounts."
the crypto-fiat product is a natural fit for the 44 crypto companies. You can speak their language rather than generic banking talk.
250 companies is a size you can work through precisely and personally, not with a mass blast. The quality of each touch is higher.
What we deliver per company: name, round stage and amount, country, type (crypto / payments / fintech), and the company's public contact details where available. What isn't there, we don't invent.
Our base layer on funding rounds lags by roughly 6 months (the most recent recorded round is late 2025). So "recent round" here means a window of the last 8–12 months, not "yesterday's news." We say this plainly: accuracy matters more than promises.
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