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Lending, Regtech, Payments · Tallinn, Estonia

Mifundo

Mifundo gives banks access to verified cross-border credit data from credit bureaus across Europe so they can assess and lend to foreign and mobile customers.

Headquarters
Tallinn, Estonia
Founded
2018
Fintech Award Points
+245, #85 of 204

About Mifundo

Mifundo offers a pan-European credit data platform and a 'Verified & Passportable Financial Identity' that collects consented data from national credit bureaus, bank accounts (open banking) and registries into a standardised credit report. It serves banks and lenders who want to grow cross-border lending, reduce foreign credit risk and comply with the EU Consumer Credit Directive II (CCD2). It covers 20+ European countries, is accessible through an API or a web platform, and is supported by EU Regional Development Fund grants via Enterprise Estonia.

What Mifundo offers

  • Cross-border credit data platform
  • Verified & Passportable Financial Identity
  • Standardised cross-border credit reports and scores
  • Open banking data enrichment
  • Single API integration with webhooks
  • Web-based data platform
  • CCD2 compliance support

Who Mifundo serves

  • Banks
  • Lenders
  • Risk and credit teams
  • Relocating professionals and returning expats
  • Cross-border commuters
  • Cross-border property buyers

Topics

  • cross-border credit data
  • credit bureau aggregation
  • credit risk
  • lending
  • open banking
  • financial identity
  • CCD2 compliance
  • API
  • regtech

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Profile researched by Alexandra Studio from public information about Mifundo, updated 10 November 2026. Something wrong or missing? Update your company or remove it.