finperks

Finperks is a prepaid orchestration platform that simplifies access to global and local prepaid products through a single, unified API. The firm enables businesses, including banks, fintechs, HR and payroll platforms, retailers, brands, and crypto providers, to integrate various prepaid solutions. These solutions encompass cashback programs for everyday spending, instant incentives for promotions and referrals, tax-free employee benefits via digital gift cards, and the ability to sell digital gift cards with top margins. Additionally, finperks facilitates crypto off-ramping, allowing users to convert digital assets into spendable value instantly, thereby bridging the gap between digital assets and real-world utility.

Founded in the summer of 2025 by serial entrepreneurs Achim Bönsch, Sebastian Seifert, and Andreas Veller, finperks emerged from their previous success with viafintech, a prepaid payments company acquired for over $100 million. Their mission is to build the largest platform globally connecting brands, businesses, and consumers, creating innovative solutions that financially empower people. They identified the prepaid payments industry as fragmented and slow-moving, yet ripe for modernization, aiming to address consumer needs like budget control and access to meaningful perks.

While finperks itself is a technology platform and not an investment firm that invests in other companies, it has successfully raised pre-seed funding to fuel its growth. The company secured €3.4 million (approximately $4 million) in a pre-seed funding round. This round was co-led by prominent fintech investors Motive Partners and seed+speed Ventures, with additional backing from German investor Carsten Maschmeyer. This capital is being utilized to expand the engineering team, strengthen brand partnerships, and scale operations across additional European markets.

The founding team brings a wealth of experience in the fintech sector, having previously built and scaled viafintech, a leading cash payment network in Europe and the US. This background provides finperks with deep industry knowledge and technical expertise, enabling them to tackle the complexities of the fragmented prepaid market. The team, based in Berlin, is focused on building a scalable infrastructure that simplifies prepaid product distribution and management for its partners across Europe and the US.