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List of Fintechs in Europe

The directory of the biggest Fintech startups in Europe

In Europe, where the traditional financial sector is stronger, companies offering alternative payment options are playing an increasingly important role.

Klarna

We're all about smoooth shopping, online and in-store.

Infrastructure Klarna | Stockholm

Adyen

Accept payments everywhere

Payment Adyen | Amsterdam

Prodigy Finance

Your future, our funds

Lending Prodigy Finance | London

Revolut

Revolut offers a fair and frictionless platform to use and manage money around the world.

Retail Banking Revolut | London

Landbay

Responsible lending

Lending Landbay | London

N26

N26—your Mobile Bank

Retail Banking N26 | Berlin

Lendinvest

Property finance made simple

Lending Lendinvest | London

SumUp (payleven)

SumUp is a mobile point-of-sale (mPOS) company in Europe.

Payment SumUp (payleven) | London

Monzo

Banking made easy

Retail Banking Monzo | London

TransferWise

Wise is letting people send money abroad at the lowest possible true cost.

Payment TransferWise | London

Trade Republic

Make your money work for you.

Investment Trade Republic | Berlin

Funding Circle

Funding Circle is a marketplace exclusively focused on small businesses loans.

Investment Funding Circle | London

Checkout.com

Unlock more revenue with our connected payment services

Payment Checkout.com | London

Wefox

Insurance. But simple.

InsurTech Wefox | Berlin

Zopa

We’ve built an app to help make managing your money stress-free.

Lending Zopa | London

Scalable Capital

Investment management and automated investment service.

Financial Management Scalable Capital | Munich

Starling Bank

Britain’s Best Bank. On your phone.

Retail Banking Starling Bank | London

Auxmoney

Auxmoney is a peer to peer online lending platform.

Lending Auxmoney | Dusseldorf

UNZER

Einfach Zahlungen akzeptieren

Payment UNZER | Heidelberg

Kreditech

Kreditech is an online consumer finance company which provides easy, fast loan access to customers worldwide through its web and mobile services.

Others Kreditech | Hamburg

MarketFinance

BUSINESS FINANCE MADE EASY

Lending MarketFinance | London

Mambu

Join the trailblazers changing banking.

Lending Mambu | Berlin

Atom Bank

Atom Bank is a mobile banking application that offers a range of personal and business banking products.

Retail Banking Atom Bank | Durham

SalaryFinance

Financial wellbeing starts here

Financial Management SalaryFinance | London

PaymentSense

Fast payment processing, low rates

Payment PaymentSense | London

Iwoca

iwoca offers flexible credit to small businesses across Europe.

Lending Iwoca | London

iZettle

iZettle is building game-changing payment tools that empower small businesses to play on the same turf as the big players.

Infrastructure iZettle | Stockholm

Onfido

Global Identity Verification.

Infrastructure Onfido | London

Tink

Collate and manage your banks accounts and cards in one app.

Financial Management Tink | Stockholm

IHS Markit

Markit is a financial information services company helping businesses improve operational efficiency and meet regulatory requirements.

Financial Management IHS Markit | London

Tradeplus24

Die innovative Finanzierungslösung für KMU.

Lending Tradeplus24 | Zurich

eToro

eToro is a global market place for people to trade currencies, commodities, indices and CFD stocks online in a simple, transparent and more enjoyable way.

Investment eToro | London

bunq

bunq is the Bank of The Free. A totally independent bank that makes life easy.

Retail Banking bunq | Amsterdam

Fenergo

Fenergo is a provider of enterprise-wide Client and Counterparty Data Management, Client Onboarding Lifecycle Management and Enterprise Compliance software. solutions for financial institutions.

Infrastructure Fenergo | Dublin

BIMA

Using innovative monile technology to bring insurance to people who have never had it before.

InsurTech BIMA | Stockholm

GoCardless

GoCardless makes it easy to collect both recurring and one-off payments directly from your customers’ bank accounts.

Retail Banking GoCardless | London

Capital on Tap

Building simple tools for real-world businesses to achieve great things

Lending Capital on Tap | London

Blockchain

Blockchain is a web-based bitcoin platform that makes using bitcoin safe, easy, and secure for all consumers and businesses worldwide.

Cryptocurrency Blockchain | Luxembourg

Smava

Smava is an online loan comparison platform.

Lending Smava | Berlin

solarisBank

solarisBank offers a platform that enables digital companies to create custom solutions for their unique financial needs.

Infrastructure solarisBank | Berlin

Curve

Curve offers an application and a card that links all of its users' bank cards so that they can be managed with one PIN.

Others Curve | London

Currencycloud

BACKING YOUR BOLD

Infrastructure Currencycloud | London

Nutmeg

A new approach to investing.

Financial Management Nutmeg | London

Moonfare

Trusted by Thousands of Individual Investors.

Investment Moonfare | Berlin

Ebury

Financial solutions to simplify international trade

Lending Ebury | London

Wonga

Wonga is an online payday lender that offers short-term personal cash loans to UK consumers.

Lending Wonga | London

Behavox

Holistic employee monitoring and risk scoring.

Infrastructure Behavox | London

FRI:DAY

FRI:DAY is offering online Motor vehicle insurance.

InsurTech FRI:DAY | Luxembourg

Bought By Many

Bought By Many is a free, members-only service that helps you find insurance for the things in your life that are out of the ordinary.

InsurTech Bought By Many | London

Liqid

Join the smart money

Financial Management Liqid | Berlin

SEBA Bank

The Bank for the New Economy

Cryptocurrency SEBA Bank | Zug

Clark

Clark is an insurance platform providing transparent, cheap and comprehensive insurance cover.

InsurTech Clark | Berlin

Flywire

Delivering the most important & complex payments

Financial Management Flywire | London

FinLeap

Combining entrepreneurial execution, technological capabilities, and industry expertise, we create the perfect mix to build companies that reshape finance.

Infrastructure FinLeap | Berlin

Spotcap

Spotcap enables small business owners to grow their business by providing fast and flexible financing.

Lending Spotcap | Berlin

Taxfix

Mach deine Steuererklärung noch heute.

Financial Management Taxfix | Berlin

ClearBank

Next Generation Banking Solutions

Retail Banking ClearBank | London

Cognia

Cognia online communications archive helps institutions with compliance, service-assurance and productivity by capturing, storing and analyzing mobile, fixed-line and digital interactions.

Infrastructure Cognia | London

ezbob

Transform your lending

Lending ezbob | London

Azimo

Azimo offers money transfer worldwide.

Payment Azimo | London

OpenGamma

OpenGamma provides real-time market risk management technology for financial institutions.

Financial Management OpenGamma | London

Freetrade

Invest Commission-Free

Investment Freetrade | London

Monese

The mobile app alternative to the banks, offering multi-currency accounts that are easy to open from anywhere in the European Economic Area

Financial Management Monese | London

Meniga

Meniga is the European market leader of white-label Personal Finance Management (PFM) and next-generation online banking solutions.

Infrastructure Meniga | Reykjavik

Kapilendo (Venturate)

Kapilendo credit is an innovative online credit market place that enables small and medium-sized companies to make cheap, fast and unbureaucratic financing by private investors in comparison to banks.

Investment Kapilendo (Venturate) | Berlin

Exporo

Exporo is an Internet platform that offers investors the opportunity to invest in real estate projects through crowdinvesting.

Investment Exporo | Hamburg

CRX Markets

The marketplace for working capital financing

Lending CRX Markets | Munich

IDnow

Knowing your customers

Infrastructure IDnow | Munich

Simplesurance

Your platform for simple access to insurance.

InsurTech Simplesurance | Berlin

Yoyo Wallet

Yoyo Wallet is a platform that enables mobile payments combined with automated loyalty and rewards.

Payment Yoyo Wallet | London

RateSetter

RateSetter matches Investors to Households and businesses that want attractive loans.

Lending RateSetter | London

Fintecture

The Safer and Cheaper Instant Transfer

Retail Banking Fintecture | Roubaix

Digital Shadows

MINIMIZE DIGITAL RISK

Infrastructure Digital Shadows | London

Form3

The Future of payment is in the Cloud

Retail Banking Form3 | London

ELEMENT Insurance

Die Zukunft der Versicherung.

InsurTech ELEMENT Insurance | Berlin

CrossLend

Technology for investors & originators.

Lending CrossLend | Berlin

Getsafe

Insurance can also be simple.

InsurTech Getsafe | Heidelberg

Gimi

Financial Super skills for Children and Young People

Financial Management Gimi | Sweden

JPMorgan Chase

financial services offering solutions to the world's most important corporations, governments and institutions

Investment JPMorgan Chase | London

Fintonic

Fintonic aggregates all your financial accounts in one place so customers can more easily review their financial situation.

Financial Management Fintonic | Madrid

Centralway Numbrs

Developing products to manage banking transactions and assets.

Financial Management Centralway Numbrs | Zurich

Kantox

Kantox, an online finance platform, provides currency exchange and international payment solutions.

Payment Kantox | London

Credithelf

Credit marketplace for SMEs.

Lending Credithelf | Frankfurt

Billie

Wir schaffen neue Freiräume für B2B-Unternehmen.

Lending Billie | Berlin

Penta

Design your own bank account by choosing the products and services that your business needs.

Retail Banking Penta | Berlin

Indy

Detangle your complex network of financial processes with our extensible and scalable, cloud-ready platform.

Retail Banking Indy | Lyon

Coya

A digital property and casualty insurance.

InsurTech Coya | Berlin

GoHenry

Help your kids learn money skills for Life

Financial Management GoHenry | London

trueEx

trueEX is a global, electronic, CFTC-regulated exchange for interest rate swaps.

Investment trueEx | Zurich

Pockit

Pockit is an online bank.

Retail Banking Pockit | London

BillFront

Faster access to your media revenues.

Lending BillFront | London

Property Partner

Property Partner combines residential real estate crowdfunding with a secondary exchange upon which investors can trade their holdings.

Investment Property Partner | London

Callsign

Callsign is a mobile application that allows its users to securely access websites and keep their personal details private.

Infrastructure Callsign | London

Credit Benchmark

Credit Benchmark aims to improve financial market benchmarks by aggregating anonymized credit risk data from multiple banks.

Others Credit Benchmark | London

Orderbird

Checkout. Simple. Carefree.

Payment Orderbird | Berlin

Compeon

A German finance platform for SMEs.

Lending Compeon | Emsdetten

Seedrs

We are equity crowdfunding done properly.

Investment Seedrs | London

Everledger

Everledger is a global startup that uses the best of emerging technology including blockchain, smart contracts and machine vision to assist in the reduction of risk and fraud for banks, insurers and open marketplaces.

Infrastructure Everledger | London

Elliptic

Elliptic identifies illicit activity on the Bitcoin blockchain and provides its services to financial institutions and law enforcement agencies.

Infrastructure Elliptic | London

Wrapp

Wrapp is a reward app connected to your bank card to get personal rewards and offers from shops and brands.

Payment Wrapp | Stockholm

Trustly

Trustly provides online payments that are fast, simple and secure for merchants, consumers and banks.

Payment Trustly | Stockholm

OttoNova

OttoNova offers smart mobile based health insurance.

InsurTech OttoNova | Munich

Crowdcube

Crowdcube is an equity crowdfunding platform for entrepreneurs of start-ups and growing businesses to connect with potential investors.

Investment Crowdcube | Exeter

QuanTemplate

Automate all your re/insurance data preparation

Infrastructure QuanTemplate | London

Juni

Meet The Financial Companion Made For Digital Entrepreneurs.

Financial Management Juni | Vasta Gotaland

Wealthify

Wealthify is a new way for Britons to invest and grow their money.

Financial Management Wealthify | Cardiff

DueDil

DueDil is an online tool that combines comprehensive sources of company information to uncover business opportunities and understand risks.

Infrastructure DueDil | London

Fino

Fino offers easy and simple customer onboarding and account changing to banks.

Infrastructure Fino | Kassel

Calastone

Calastone is a global transaction network for the mutual fund industry.

Financial Management Calastone | London

Byhiras

Providing investment governance services.

InsurTech Byhiras | London

BehavioSec

Continuous authentication with behavioral biometrics.

Infrastructure BehavioSec | Stockholm

SyndicateRoom

SyndicateRoom provides equitable access to sophisticated investment opportunities, giving the same deal as the professionals.

Investment SyndicateRoom | Cambridge

Payworks

Payworks is the provider of Pulse, a next generation Point of Sale payment gateway technology.

Payment Payworks | Munich

Traxpay

Traxpay provides dynamic technologies that simplify B2B commerce.

Payment Traxpay | Frankfurt

Molo

The UK’s first digital mortgage lender

Lending Molo | London

Knip

Knip is a online Insurance broker.

InsurTech Knip | Zurich

SlimPay

SlimPay's manages collection of recurring payments by making them smarter, safer and simpler.

Infrastructure SlimPay | Paris

Fincompare

Passgenaue Finanzierung für Ihr Unternehmen.

Lending Fincompare | Berlin

Bezahlt (Blackbill Internet)

Bezahlt is a German invoice financing company run by BlackBill Internet.

Lending Bezahlt (Blackbill Internet) | Berlin

Friendsurance

Friendsurance is a leader in the development and delivery of an innovative peer-to-peer insurance model.

InsurTech Friendsurance | Berlin

Clinc

Clinc is offering a personal finance app to save money.

Financial Management Clinc | Berlin

Advanon

Advanon is an online platform where SMEs can find funds for their short-term financing needs by selling invoices to financial investors.

Lending Advanon | Zurich

PayPlug

Set up online payments on your website in only 1 minute.

Payment PayPlug | Paris

Bitbond

Bitbond is a global peer-to-peer bitcoin lending platform.

Lending Bitbond | Berlin

FlatFair

Fast and Easy renting, secured with Flatfair

Others FlatFair | London

Ginmon

Ginmon provides fully-automated online investment services to customers in Germany and Continential Europe.

Financial Management Ginmon | Frankfurt

Algomi

Infrastructure for security trading.

Lending Algomi | London

Griffin

We're making a bank you can Build On

Financial Management Griffin | London

Osper

Osper is a prepaid debit card and mobile banking service empowering young people to manage their money responsibly.

Payment Osper | London

Five Degrees

Five Degrees is a financial technology provider delivering next generation banking software to retail and private banks.

Infrastructure Five Degrees | Breukelen

Coinify ApS

Blockchain currency service provider supporting 10+ blockchain currencies (including bitcoin, ether, ripple, etc.).

Cryptocurrency Coinify ApS | Copenhagen

Ixaris

Smarter payments, better margins

Payment Ixaris | London

WeltSparen Raisin

Weltsparen helps private investors to find the best investment offers made by banks in Europe.

Investment WeltSparen Raisin | Berlin

Muume

Online shopping for the daily needs.

Payment Muume | Cham

Companisto

Companisto is an equity crowd investing platform for startups.

Investment Companisto | Berlin

2can

2can is a smartphone app and card reader that can turn a smartphone into a terminal for accepting Visa and MasterCard payment cards.

Payment 2can | Moscow

Leetchi

Leetchi is a group payment app that allows users to collect and manage money for group events.

Payment Leetchi | Paris

Savedo

Savedo is the one-stop-shop for retail investment products in Europe.

Investment Savedo | Berlin

Futurae

Secure Customers Access

Infrastructure Futurae | Suisse

Flux

Flux Offers: cashback made simple.

Retail Banking Flux | London

NorthRow

Making Compliance Work

Infrastructure NorthRow | London

OptioPay

OptioPay offers a variety of methods to receive payments, to increase value of payments.

Others OptioPay | Berlin

Jaja Finance

Manage your account anytime, in the app, or online

Retail Banking Jaja Finance | London

Darwinex

Empowering Success for Traders & Investors

Investment Darwinex | London

wikifolio

wikifolio is an Austria-based online platform for investment strategies of traders and asset managers.

Investment wikifolio | Vienna

Swanest

Swanest is an intelligent online broker that empowers Do-It-Yourself investors.

Financial Management Swanest | London

Monetas

The Monetas system is a universal platform for global commerce. It is a transaction system that uses advanced cryptofinance technologies to effectively address the pain points of legacy systems.

Payment Monetas | Zug

AimBrain

AimBrain filters out fraud, not customers.

Infrastructure AimBrain | London

Kontist

Kontist provides the banking services freelancers deserve, making finances easy.

Retail Banking Kontist | Berlin

Bankable

We are a global architect of innovative payment solutions enabling Banking as a Service

Infrastructure Bankable | London

Barzahlen

With Barzahlen consumers can buy online and make payments with cash at thousands of stores nationwide.

Payment Barzahlen | Berlin

FintecSystems

FintecSystems provides banks, financial services companies, and payment processors with data to make financial decisions.

Infrastructure FintecSystems | Munich

PAIR Finance

Using big data and machine learning, PAIR is building an automated and data-based solution for claims management.

Others PAIR Finance | Berlin

Cashboard

Cashboard allows retail investors to invest in a personally tailored and scientifically diversified portfolio.

Financial Management Cashboard | Berlin

Spendit

Digital benefits for Employees.

Others Spendit | Munich

Assetz

A fairer world for investors & borrowers. The only peer-2-peer lender to employ experienced regional banking relationship directors.

Lending Assetz | Manchester

Tradico

Tradico assists small and medium sized enterprises to obtain credit for their daily business. Tradico spots credit problems and creates a solution for SME.

Lending Tradico | Munich

Insly

Design & deliver insurance products

InsurTech Insly | London

Cashcloud

Cashcloud is your new mobile phone eWallet.

Payment Cashcloud | Luxembourg

Fluo

Fluo offers immediate diagnostic of insurance covers to users.

InsurTech Fluo | Paris

Squirrel

Squirrel is a financial wellbeing platform that helps people regain control of their finances and achieve financial peace of mind.

Financial Management Squirrel | London

Savedroid

savedroid AG has launched Germany's first intelligent saving app.

Financial Management Savedroid | Frankfurt

Big Data Scoring

Credit scoring based on big data.

Others Big Data Scoring | London

The House Crowd

Property Crowdfunding & Peer 2 Peer Secured Lending.

Investment The House Crowd | Altrincham

SatoshiPay

SatoshiPay is a Bitcoin nanopayment solution for web content.

Cryptocurrency SatoshiPay | London

Fronted

Your Rental Deposit, Paid Monthly

Payment Fronted | London

Payrexx

Build your own sales website with Payrexx.

Infrastructure Payrexx | Thun

Safello

Safello operates a bitcoin exchange and related services in the European market.

Cryptocurrency Safello | Stockholm

Property Moose

One of the world's first fully integrated digital property crowdfunding platforms.

Investment Property Moose | Liverpool

Vitamin

Find out what investing feels like

Investment Vitamin | Berlin

Kasko

InsurTech as a Service

InsurTech Kasko | London

Gini

Gini provides a SaaS solution for extracting content from documents.

Others Gini | Munich

Holvi

Holvi combines modern technology and user experience into banking.

Retail Banking Holvi | Helsinki

Lightyear

When you invest, your capital is at risk.

Investment Lightyear | London

MoneyMail

Electronic payment system in Russia.

Payment MoneyMail | Moscow

Finastra

We enable the financial services world, to deliver the future of banking

Others Finastra | London

Easyfolio

Easyfolio is an investment provider.

Financial Management Easyfolio | Frankfurt

Qnips

Passionate about innovation.

Payment Qnips | Hannover

Payever

Everything you need to run a successful business

Infrastructure Payever | Hamburg

Conda

CONDA is a crowd Investing platform for Austria, Germany and Switzerland.

Investment Conda | Munich

Coinsnap

Coinsnap is a European bitcoin merchant service offered for online businesses.

Cryptocurrency Coinsnap | Nijmegen

Cybits

Cybits is a provider of online identification and verification services.

Infrastructure Cybits | Mainz-Kastel

Suade

Suade is building an open platform for financial regulation.

Infrastructure Suade | London

Edgefolio

Edgefolio is a platform connecting investors and hedge funds, creating technology driven solutions for a traditionally conservative and fragmented industry.

Investment Edgefolio | London

uBank

uBank develops mobile payment solutions to ensure secured customer transactions.

Retail Banking uBank | Moscow

Bettervest

Your money. Your impact.

Investment Bettervest | Frankfurt

Crealogix

Innovate. Accelerate. Engage.

Infrastructure Crealogix | Zurich

Billingmaker Payment

ONLINE ZAHLUNGEN BEQUEM EMPFANGEN.

Payment Billingmaker Payment | Westerstede

Bergfürst

Bergfürst is a crowd investing platform for real estates.

Investment Bergfürst | Berlin

Boomstarter

Boomstarter is a web-based platform that provides funding for creative ideas.

Lending Boomstarter | Moscow

GiroMatch

GiroMatch offers private investments into a mix of German loan projects.

Lending GiroMatch | Frankfurt

EZY Count

Simplify your accounting and save time

Infrastructure EZY Count | Sion

ebankIT

ebankIT create products focused on delivering your core banking to customers in a way they will enjoy.

Infrastructure ebankIT | Porto

aifinyo

Smart Billment für Ihr Wachstum

Lending aifinyo | Dresden

eCollect

Europe's leading receivables management platform

Others eCollect | Baar

Home Rocket

Home Rocket is a platform to invest in real estate.

Investment Home Rocket | Graz

Fidor Bank

Fidor Bank wants to re-establish lost confidence in banking with new and customer-focused services.

Retail Banking Fidor Bank | Munich

Kesh

Turn your smartphone into a digital wallet.

Payment Kesh | Prag

Moneyland

The Independent Swiss Online Comparison Service

InsurTech Moneyland | Zurich

Money & Co.

Money&Co. allows individuals looking for a better return on their cash

Others Money & Co. | London

netinsurer

Now it’s easy for insurances to get off to a flying start

InsurTech netinsurer | Vienna

Kobocoin

Enabling Open Mobile Money

Cryptocurrency Kobocoin | London

PayU

Fintech for a world without financial borders

Payment PayU | Hoofddorp

SecureSafe

Your data can be sure in SecureSafe

Others SecureSafe | Zurich

Pollen VC

Credit lines for app and game publishers to fund user acquisition

Others Pollen VC | London

Payza

Send money online, pay and get paid.

Payment Payza | London

SDK Finance

White-Label Digital Core Banking Platform SDK.finance

Infrastructure SDK Finance | Prag

RBK Money

Global Platform for All Payment Types

Payment RBK Money | Moscow

Stockpulse

Emotional Data Intelligence

Others Stockpulse | Bonn

Symetrics

Symetrics model adverse effects on asset portfolios from potential geopolitical, economic or monetary shocks.

Others Symetrics | Apeldoorn

SynerScope

SynerScope offers high speed, complex data analytics for a variety of businesses.

Others SynerScope | Helvoirt

Tabbt

Spend it together.

Payment Tabbt | Hamburg

Table of Vision

Table of Visions is a crowdfunding software solutions developer for brands, businesses and organizations.

Investment Table of Vision | Berlin

Twint

Twint provides a digital wallet.

Payment Twint | Bern

FundApps

FundApps makes compliance simple.

Infrastructure FundApps | London

VisualVest

VisualVest is a portal for private investment.

Investment VisualVest | Frankfurt

Zinsbaustein

make real-estate investments available to everyone

Investment Zinsbaustein | Berlin

Vaamo

Vaamo Finanz AG provides automated investment solutions and financial advice to its clients.

Financial Management Vaamo | Frankfurt

WebID Solutions

WebID Solutions offers consumers throughout the world a signposted way of carrying out highest-security verification procedures in the handling of personal data.

Infrastructure WebID Solutions | Berlin

Vexcash

The first PayDay lender in Germany.

Lending Vexcash | Berlin

WhoseBill

WhoseBill is an easy way to take care of IOUs and shared bills with friends.

Payment WhoseBill | London

Zinsland

Zinsland is a crowdinvesting platform for real estate projects.

Investment Zinsland | Hamburg

Zinspilot Deposit Solutions

Zinspilot helps private investors to find the best investment offers made by banks in Europe.

Investment Zinspilot Deposit Solutions | Hamburg

Elopay

Elopay is a P2P payment service.

Payment Elopay | Berlin

Green Rocket

The first Crowd Investing platform that specializes in sustainable companies in the fields of energy, environment, mobility and health.

Investment Green Rocket | Graz

Flexpayment

Flexpayment is offering Factoring.

Lending Flexpayment | Hamburg

OnFinTur

Generate your personal portfolio with a few clicks.

Financial Management OnFinTur | Basel

Paylax

Paylax is an online payment provider.

Payment Paylax | Stuttgart

Privatbankchecker

A comparison portal for private banking.

Retail Banking Privatbankchecker | Wien

Seedmatch

Seedmatch is one of biggest crowd-investing platform for startups in Germany.

Investment Seedmatch | Dresden

Weaveworks

Weaveworks provides a simple and consistent way to connect and manage containers and microservices

Lending Weaveworks | London

Spreds

Investing online made simple

Investment Spreds | Brussels

Cybera

Platform to Prevent Cybercrime

Infrastructure Cybera | Zürich