20 innovative Nordic and Baltic fintech and impact tech companies join the Mastercard Lighthouse 2026 Fall Program

Mastercard Lighthouse program announces 20 companies to join the leading startup partnership program in the Nordics and Baltics – FINITIV for fintech companies, and MASSIV for sustainability and social impact tech startups. The programs bring together startups and early scaleups with partner banks, investors, corporate partners, advisors and Mastercard to scale innovative ideas.

Meet the Fall class of Mastercard Lighthouse FINITIV (fintech companies):

Sweden:

Galdera builds financial models to help financial institutions with workflows from portfolio management to compliance.

Finton is developing an app to help Europeans understand and improve their finances using open banking and intelligence.

Kaching is developing a White label Seamless Cashback service for banks to increase customer value prop and reduce churn.

Nowo helps turn everyday transactions into future wealth. The platform connects spending, saving, rewards and investing in one seamless experience, making it easier for people to achieve their financial goals.

Vitteko helps merchants issue payment-independent digital receipts without customer data, apps, or membership.

Finland:

Authbound is empowering businesses to unlock the full potential of the EU Digital Identity Wallet. Cutting KYC costs by almost 90%.

Fygy provides AI-powered financial guidance for consumers. Real-world behavioural intelligence for businesses.

Nomain helps banks and insurance companies to understand, analyse, optimise and migrate their mainframe systems.

Paramatrix builds AI claim-decision & payout engine for travel claims: from intake to payout in minutes, fully auditable.

Tangently connects accounting, CRM, and payments into a real-time financial model for startups and growing businesses

Baltics:

CryptoSwift is a Travel Rule & KYT hub for stablecoins, helping crypto PSPs comply with FinCrime regulations.

Honeyb.ai builds software that shows financial institutions how AI systems present and recommend their products.

Neumetria is developing a behavioral understanding layer to help fintech AI agents and products understand each customer.

SelfSIA automates bookkeeping for small businesses, turning bank and invoice data into tax-ready records.

Vuzza replaces the fragmented AP toolstack with one governed platform, helping EU mid-market companies avoid overpaying on cross-border payments.

Meet the Fall class of Mastercard Lighthouse MASSIV ( Impact tech companies): 

WhiteBridge AI – founded in Lithuania, WhiteBridge AI helps people manage their online identity, reputation, and network. Through its consumer protection technology AntiBridge, it protects individuals from digital identity risks such as fraud, impersonation, and financial loss.

Commu – from Finland, Commu is a free app that lets you give and ask for help and do the small acts of kindness for the good of YOUR community.

Cirqle – founded in Denmark, Cirqle is building Europe’s shared digital infrastructure for reusable packaging, connecting packaging, POS, industrial washing and ESG data across the reuse ecosystem.

Rollyy – founded in Finland, Rollyy’s AI-powered platform optimizes urban mobility and energy distribution through intelligent mapping and autonomous charging, enhancing smart city resilience.

Edgy Systems – from Sweden, Edgy designs, delivers and operates autonomous microgrids for industrial sites, providing faster access to power, lower energy costs and greater resilience.

“The level of innovation among this year’s fintech and impact-tech participants is impressive. Through Mastercard Lighthouse, we are proud to connect startups, banks, and industry experts to help scale solutions that make a real difference.” – said Mats Taraldsson, Head of Fintech and Impact Tech Engagement at Mastercard Northern Europe.

Partners of the Mastercard Lighthouse program:  

Swedbank, SEB, OP, DNB, Danske Bank, Resurs, SpareBank 1 Østlandet, , Nets/Nexi, UNDP, Synch, VEQ VC together with Mastercard provide feedback and support to the fintech and impact tech startups participating in the program. In addition, Mastercard Lighthouse has an associated investor circle of 270+ investors and corporate partners such as AWS, Invenio Growth and Fintech Mundi to further support the participating startups and scaleups.