Prague has become one of the most sophisticated fintech hubs in Central Europe. The Czech Republic has historically been a testing ground for banking innovation, boasting some of the highest contactless payment adoption rates in the world. Today, that legacy has evolved into a startup ecosystem that prioritises deep infrastructure and B2B utility over flashy consumer apps.
The founders here are building the AI that reads invoices, the APIs that connect legacy banks to the blockchain, and the scoring engines that finance the logistics industry. Here are the 10 FinTech startups in Prague you need to watch in 2026.
Rossum
Tomas Gogar, Petr Baudis, and Tomas Tunys founded Rossum to eliminate the manual data entry that plagues finance departments. The company raised a massive $100 million Series A led by General Catalyst to scale its cognitive data capture platform. Rossum utilises deep learning to comprehend complex documents, such as invoices and purchase orders, without relying on rigid templates. Their AI reads documents like a human would, extracting data with high accuracy even if the layout changes. This technology has become the backbone for Global 2000 companies looking to automate their accounts payable processes and reduce back-office overhead.
4Trans
Jaroslav Ton founded 4Trans to solve the cash flow crisis in the European logistics industry. Trucking companies often wait up to 90 days for payments, which stifles their ability to buy fuel or repair vehicles. 4Trans provides near-instant factoring and financing specifically designed for these SMEs, using real-time data to assess risk. Having financed over €100 million in invoices, they offer the essential liquidity that keeps the European supply chain moving. Their data-driven approach allows them to serve a sector that traditional banks often view as too risky.
Lemonero
Jan Laštůvka created Lemonero to bring embedded finance to e-commerce. The platform uses AI to analyse the transactional data of online stores, offering them revenue-based financing in minutes. Unlike traditional bank loans, which require extensive paperwork, Lemonero integrates directly with e-commerce platforms to instantly assess creditworthiness. Backed by Komerční banka (Société Générale), they are expanding across Central and Eastern Europe, providing merchants with the capital they need to purchase inventory and scale their marketing efforts during peak seasons.
Tatum
Jiri Kobelka and Samuel Sramko built Tatum to bridge the gap between traditional banking and the blockchain. Their platform allows developers to build blockchain apps without needing to learn complex coding languages like Solidity. By providing a unified API that supports over 60 different protocols, they allow fintechs and banks to integrate crypto features, NFT marketplaces, or digital wallets in days rather than months. They have effectively become the Stripe for Web3, lowering the barrier to entry for financial institutions entering the digital asset space.
Fondee
Jan Hlavsa and Eva Hlavsová founded Fondee to democratise investing for the Central European market. Realising that Czechs held too much cash in low-interest savings accounts, they built a transparent, low-fee robo-advisor. The platform creates diversified portfolios of ETFs tailored to the user’s risk tolerance, making wealth management accessible to anyone with a smartphone. They have successfully challenged the dominance of traditional bank funds by offering a digital-first experience that is simple, automated, and significantly cheaper.
Investown
Alan Pock founded Investown to make real estate investing accessible to the younger generation. The app allows users to invest in rental properties with as little as 500 CZK (approx. €20). By tokenising the revenue streams from residential buildings, they allow users to earn a monthly rental yield without the hassle of mortgages or property management. Strategic backing from Česká spořitelna (Erste Group) has provided the institutional trust needed to scale rapidly, turning property investment from an elite asset class into a mass-market product.
Resistant AI
Martin Rehak founded Resistant AI to protect the fintech ecosystem from automated attacks. As financial services become faster, so does fraud. Resistant AI protects automated decisioning systems (like credit scoring models) from manipulation and detects forged documents that are invisible to the human eye. Their technology acts as a shield for other fintechs, ensuring that the KYC documents uploaded by users haven’t been photoshopped or generated by AI. They are a critical security layer for digital banks and lenders operating in a high-risk, high-speed environment.
Dateio
Ondrej Knot and Ivan Hucko established Dateio to transform mundane bank transaction data into actionable marketing insights. They pioneered the Card-Linked Marketing model in the CEE region, integrating directly with the mobile banking apps of major institutions, such as Erste Group and Komerční banka. Their platform enables retailers to target offers based on actual spending behaviour, while customers receive automatic cashback without needing to scan coupons. It is a rare win-win in the data space, helping banks increase engagement, retailers drive sales, and consumers save money.
BudgetBakers
Michal Kratochvil leads BudgetBakers, which started as a popular personal finance app (Wallet) but has evolved into a powerful B2B open banking player. Their API platform, TapiX, aggregates bank data across Europe, allowing other software providers to build fintech features. While their consumer app helps millions track their spending globally, their enterprise solutions are helping banks and ERP systems enrich and categorise transaction data. This dual focus allows them to understand financial data from both the user’s and the institution’s perspective.
PalmApp
Petr Barton founded PalmApp to bring the Earned Wage Access concept to the Czech market. The platform integrates with company payroll systems, allowing employees to withdraw a portion of their salary as soon as they have earned it, rather than waiting for payday. This reduces the reliance on predatory payday loans and reduces financial stress for workers. By positioning the product as an employee benefit, PalmApp helps companies retain talent while modernising the rigid monthly pay cycle.