Prepaid Is Fragmented

Banks, HR platforms, and loyalty programs all want to offer prepaid-based products — cashback, employee benefits, gift cards, loyalty-point conversion, and crypto off-ramps — but none of them want to build the underlying prepaid infrastructure themselves. The global prepaid market is fragmented across thousands of local and global brands, forcing every company that wants to plug in to negotiate and integrate one connection at a time.

What They're Building

Berlin-based finperks solves this with a unified API that aggregates prepaid payment rails and brand catalogs into a single integration. The platform already covers over 1,000 brands across 30+ markets — including names like Zalando and Flix — and promises a go-live time of under 30 days. Use cases span cashback and rewards, employee benefits, loyalty-point conversion, gifting, crypto off-ramps, and emerging "agentic" prepaid wallets, targeting a prepaid market projected to reach $4.24 trillion by 2035.

Growth

Founded in 2025, finperks raised its $4M pre-seed in March 2026, backed by Motive Partners and seed+speed Ventures (with participation from serial entrepreneur Carsten Maschmeyer). Early partners onboarded include FLIZpay, paylo, and Recardy.