Dublin has leveraged its position as the only English-speaking capital in the EU to become a critical node in the global financial system. The city has slowly emerged as a generator of high-value financial IP. The ecosystem is defined by a heavy focus on regulation technology (RegTech), cross-border payments, and lending infrastructure.
Founders here benefit from a regulator that is rigorous yet accessible, allowing startups to build products that are compliant from day one. From financing e-commerce giants to automating the audit trail, here are the 10 FinTech startups in Dublin you need to watch in 2026.
Wayflyer
Aidan Corbett and Jack Pierse founded Wayflyer to solve the working capital crisis for e-commerce businesses. Traditional banks often refuse to lend to online stores because they do not understand digital metrics. Wayflyer analyses marketing performance and inventory data to offer revenue-based financing in minutes. Having reached a valuation of $1.6 billion, they provide the fuel that allows thousands of merchants to stock up for Black Friday without giving up equity. Their analytics platform also advises clients on how to spend that capital efficiently, acting as a strategic partner for growth.
TransferMate
Terry Clune built TransferMate to bypass the slow and expensive correspondent banking network. The company has secured one of the broadest portfolios of payment licenses in the world, allowing businesses to send and receive payments in 162 countries and 134 currencies. By building their own global clearing network, they eliminate the chain of intermediate banks that usually take a cut of international transfers. Valued at over $1 billion, they are the backbone of infrastructure for universities, banks, and SaaS platforms that need to move money across borders instantly.
Fenergo
Marc Murphy leads Fenergo, the industry standard for Client Lifecycle Management (CLM). Major financial institutions use their software to onboard complex corporate clients while navigating the labyrinth of global Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations. While many fintechs focus on the consumer onboarding experience, Fenergo solves the much more complex problem of institutional compliance. Their platform enables banks to approve trades and open accounts for multinational corporations in days rather than months, significantly reducing operational costs and regulatory fines.
Payslip
Fidelma McGuinness founded Payslip to fix the fragmentation of global payroll. Multinational companies typically manage payroll through a messy web of local vendors and spreadsheets. Payslip provides a unified control platform that standardises data across all regions and integrates directly with HR and finance systems. This allows CFOs to see real-time labour costs and ensure compliance with local tax laws in over 160 countries. They have become the essential operating system for high-growth tech companies scaling their remote workforces globally.
Swoop
Andrea Reynolds founded Swoop to be the financial super-brain for SMEs. The platform integrates with a company’s bank account and accounting software to automatically match them with the best funding options available—whether that is a grant, a loan, or equity investment. Swoop aggregates thousands of funding providers, removing the friction of applying for capital. By using open banking data to assess creditworthiness, they help small businesses access liquidity that traditional brokers often miss.
NomuPay
Peter Burridge leads NomuPay, which emerged to address the fragmentation of payments in high-growth regions such as Southeast Asia and Turkey. They provide a unified API that gives European merchants access to local payment methods in these fragmented markets. Unlike standard gateways that handle only cards, NomuPay integrates with local wallets and instalment providers, unlocking millions of new customers for Western brands. Their infrastructure simplifies cross-border acceptance, effectively bridging the gap between the Eurozone and emerging economies.
Kota
Luke Mackey and Deepak Balaji founded Kota (formerly Yonder) to modernise employee benefits. They built an API-first platform that allows companies to automate the setup of health insurance and pension schemes across multiple countries. Instead of dealing with brokers and paperwork across jurisdictions, HR teams can manage benefits through a single digital interface. Kota integrates with platforms like Personio and Slack to make enrolling in benefits as easy as signing up for Netflix, solving a significant headache for remote-first companies.
Circit
David Heath founded Circit to modernise the audit process. Traditionally, auditors verify company bank balances by sending paper letters to banks, a slow and error-prone process. Circit uses open banking APIs to connect auditors directly to a company’s bank accounts, allowing for real-time, tamper-proof verification of assets. Their platform reduces the time required to complete an audit from weeks to minutes. They are rapidly becoming the default tool for accounting firms across Europe who need to guarantee the integrity of financial statements.
Outmin
Ross Hunt and David Kelliher created Outmin to replace the traditional accountant for small businesses. Their platform combines AI automation with human oversight to handle bookkeeping, tax returns, and payroll in real-time. Unlike legacy accounting software, which still requires manual data entry, Outmin integrates with bank feeds and email to automatically categorise expenses. This offers SMEs a “finance team in a box” at a fraction of the cost, ensuring they remain tax-compliant without needing to understand the tax code.
Prommt
Donal McGuinness leads Prommt, which solves the risk of taking payments over the phone. For high-value transactions—like buying a car or paying a builder—giving card details over the phone is insecure and often fails. Prommt allows businesses to send secure, branded payment links via SMS, email, or chat. Their “Pay by Bank” feature leverages open banking to let customers pay directly from their bank accounts, bypassing high card fees. This reduces fraud and transaction costs for merchants handling large ticket items.
