Mifundo enables banks and financial institutions to securely access customer credit and financial data across borders. The solution already covers over 70% of Europe, spanning 17+ countries in and beyond the EU, and continues to grow with new connections. We enrich this data with Open Banking.

Banks can access clients’ credit histories living abroad and serve both international clients relocating to their country as well as existing customers who have moved abroad for work or study. Mifundo standardizes and verifies credit histories across countries, enabling more accurate credit decisions, reducing risk, preventing fraud, and driving an average 15% revenue growth.

The fully digital, paperless process accelerates applications while remaining fully GDPR-compliant. Mifundo is licensed by the Estonian Financial Supervisory Authority, ISO/IEC 27001:2022 certified, and is the only fintech selected as a strategic partner of the European Commission, which awarded us a €10M EIC grant.