8 Startups selected for the second F10 Incubation Program for FinTech and InsurTech in Spain

October 28, 2021

F10 Spain announces eight promising startups joining the second cohort of its Incubation Program in Barcelona. Selected from more than 180 national and international applications, this batch brings innovative business models and trends, includes more female founders and a good mix of talent and experience from three different continents – LATAM, Europe and Africa. The goal of this 5-month-program is to support early-stage startups in the process of transforming their prototype into a scalable product, while they gain traction.

The program kicks off this November and concludes in March 2022. During five months, the startups will have the opportunity to receive individual coaching and valuable insights on go-to-market, product development, fundraising, marketing, and sales. They will also engage with the most relevant mentors and gain access our F10 investor network and corporate partners.  


The cohort includes 8 innovative pre-seed startups from 7 different countries, 3 from Spain, and cover a diverse range of highly relevant topics, including insurance, wealth management, payments, gig economy, investment and neobanks.


The startups selected for the F10 Incubation Program Batch II in Spain are:

AIRA - Spain            

AIRA System is a tool for inspection, review and risk analysis, customer updating and cross-selling.

Denq - Brazil                                                  

Denq is a LATAM blockchain based digital bank, that offers robo advisory investments, and a proprietary credit score, that aims to create a bridge between the region and EU.

FEXER - Spain                                                                      

FEXER connects people’s dreams to investment, making the future tangible, and raising bank customer conversions.


Joos – Germany

JOOS® is a fast, easy and innovative way to bring content creators and their fans together.    


Moya – South Africa                                                              

Moya is a money management platform for the self-employed in South Africa, this includes freelancers, sole traders and gig workers.

Principia - Austria

Principia - invests cash reserves of middle-sized businesses, aiming to eliminate all opportunity costs of unused capital.                                        

Rivium - Mexico                                                                                              

Rivium is a robo advisor app that seeks to democratize investment in Mexico through automation tools to facilitate long-term investing in diversified portfolios with a 0% fee.

                    - Peru                                                                                                       is a digital platform that manages money transfers abroad, connecting people from different parts of the world.


Andrea Sanchez, Country Head of F10 Spain mentions that "We are excited to welcome the 8 selected startups to the F10 family! This program is characterised by its geographic diversity of the FinTech and InsurTech startups participating, allowing it to become a great opportunity to connect international and national talent in Barcelona - one of the most entrepreneurial ecosystems in Europe."


"Being part of the global F10 ecosystem and working closely with these eight innovative startups in the framework of the Incubation Program is very enriching for Renta 4 and we are very excited about the projects that are being carried out. The eight startups are a reflection of the innovative fintech and insurtech potential that exists in Spain and we are proud to be able to accompany them as they take off," said Miguel Jaureguizar, director of digital development at Renta4 Banco.

Berta Ares, General Director of BME Inntech, pointed out that the development of new business projects linked to finance in which new technologies are used "is a global and unstoppable phenomenon".


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