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Early-stage venture capital firm providing seed and pre-seed funding for fintech startups in Europe, with operator expertise.
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embedded/capital is a Berlin, Germany-based early-stage venture capital firm focused exclusively on providing seed and pre-seed funding to European financial technology startups. In November 2022, the organization was acquired by Motive Partners to form its early-stage investment arm, Motive Ventures, which is strategically tied to the firm's $3.25 billion third fund. The firm deploys capital across various specialized fintech subsectors, including wealth management, capital markets, and artificial intelligence, typically writing initial check sizes ranging from $2 million to $5 million for seed rounds and $5 million to $15 million for Series A investments. Its broader investment portfolio encompasses more than 20 banking and payments startups alongside over 25 wealth management companies, backing recognizable industry names such as InvestCloud, Insurify, FNZ, Alphastream, and Corastone. embedded/capital was founded in 2022 by Ramin Niroumand and Michael Hock.
Key people at embedded/capital.
Embedded Capital is a Berlin-based venture capital firm specializing in early-stage investments within the fintech sector. Founded in 2022, it focuses on supporting and scaling innovative fintech startups primarily in Europe and North America, with investments spanning pre-seed to Series A rounds. The firm leverages deep domain expertise and a strong network of financial services providers, unicorn founders, and global investors to help portfolio companies embed financial services into diverse business models, enhancing the financial economy through technology-driven solutions[2][3][4].
Embedded Capital’s mission centers on partnering with entrepreneurs and family businesses to create value and scale through strategic acquisitions and innovative technology solutions that improve customer experience and reduce inefficiencies, particularly in insurance and financial services. Their investment philosophy emphasizes backing transformative fintech companies that can reshape markets and society by harnessing data-driven, technology-enabled financial products. Key sectors include fintech, AI, blockchain, cryptocurrency, and data science. The firm’s impact on the startup ecosystem is significant, as it not only provides capital but also operational support and access to a robust network, accelerating growth and innovation in financial technology[1][2][3].
Embedded Capital was launched in 2022 by Ramin Niroumand and Michael Hock in Berlin, Germany. The founders brought extensive experience in fintech and investment, aiming to support the next generation of fintech founders in Europe and beyond. The firm quickly raised over €100 million for its first fund, targeting early-stage fintech startups with initial investments up to €4 million. In 2022, Embedded Capital was acquired by Motive Partners, a private equity firm focused on fintech, which expanded Embedded Capital’s capabilities and geographic reach to include London and New York, solidifying its position as a specialized fintech investment platform[3][4].
The idea emerged from the founders’ recognition of the evolving fintech landscape and the opportunity to embed financial services into various business models. Early traction included investments in promising startups such as Pliant, Nelly, and Bezahl.de, which demonstrated the firm’s ability to identify and nurture high-potential fintech ventures[3].
Embedded Capital rides the wave of fintech transformation, where traditional financial services are being disrupted by technology-driven models such as AI, blockchain, and embedded finance. The timing is critical as digital financial services gain widespread adoption, regulatory frameworks evolve, and consumer demand for seamless, integrated financial products grows. Market forces favor firms that can combine deep industry knowledge with technological innovation to create scalable, efficient financial solutions.
By embedding financial services into diverse business models and supporting startups that leverage cutting-edge technologies, Embedded Capital influences the broader ecosystem by accelerating fintech innovation, fostering cross-border collaboration, and helping to shape the future of finance globally[2][3].
Looking ahead, Embedded Capital is poised to expand its influence by continuing to back transformative fintech startups that address emerging market needs such as decentralized finance, AI-driven risk assessment, and personalized financial products. Trends like increased regulatory clarity, growing digital adoption in emerging markets, and the rise of embedded finance will shape their investment strategy.
As part of Motive Partners, Embedded Capital benefits from enhanced resources and a global footprint, positioning it to be a leading player in fintech venture capital. Its influence is likely to grow as it helps startups scale, drives innovation in financial services, and contributes to the evolution of a more inclusive and efficient financial ecosystem[2][3][4].
Embedded Capital’s journey from a focused fintech VC to a key component of a global fintech investment platform underscores its commitment to embedding financial innovation deeply into the fabric of modern business.
Key people at embedded/capital.
embedded/capital has more than 26 tracked investments across 22 companies. The latest tracked deal is $4.0M Seed in Asseta AI in November 2025.
| Date | Company | Round | Lead Investor(s) | Co-Investor(s) |
|---|---|---|---|---|
| Nov 1, 2025 | Asseta AI | $4.0M Seed | Jasleen Kaur, Harsh Govil, Jasleen Kaur | Embedded Capital, Embedded Ventures |
| Jun 1, 2025 | OpenTrade | $7.0M Seed | Mercury Fund, Notion Capital | Circle Ventures, Embedded Capital, Global Founders Capital, Lakestar, Outrun Ventures, Robert Maier, Verena Pausder, Yang Zou, AlbionVC, Andreessen Horowitz, CMCC Global |
| May 1, 2025 | Carta Healthcare | $18.0M Series B | Brent Burns | Jamison Hill, Embedded Capital, LocalGlobe, Passion Capital, Storm Ventures, Harsh Sinha, Jan Deepen, Stefan Jeschonnek, Tony Jamous, Victor Jacobsson, CU Healthcare Innovation Fund, Navid Farzad, Mass General Brigham Ventures, MemorialCare, Feby Abraham, Paramark Ventures, Rex Health Ventures, TGH Ventures |
| Mar 1, 2025 | Warren | $3.0M Seed | Motive Ventures | Antler, Embedded Capital, Embedded Ventures, Hakan Koc, Moritz Thiele |
| Jan 1, 2025 | Nelly | $52.0M Series B | Cathay Innovation | Alt Capital, Embedded Capital, General Catalyst, Global Founders Capital, Lakestar, Notion Capital, Anil Dharni, Arash Ferdowsi, Dave Balter, Dylan Field, Humberto Ayres Pereira, James Beshara, Liu Jiang, Mario Götze, Rich Miner, Robert Maier, Sara Lannin, Verena Pausder, Yang Zou |
| Dec 1, 2024 | Synthera AI | $2.0M Seed | Motive Ventures | Embedded Capital, Global Founders Capital, Lakestar, Notion Capital, Robert Maier, Verena Pausder, Yang Zou |
| Aug 1, 2024 | Octane | $50.0M Series E | Valar Ventures | Embedded Capital, FJ Labs, Pareto Holdings, The Hit Forge, Guillaume Princen, Naveen Selvadurai, Steve Anavi, Upper90 |
| Jul 1, 2024 | MYNE Homes | $43.0M Series A | Limestone Capital | Embedded Capital, HV Capital, Presight Capital, RTP Global, VR Ventures |
| Mar 1, 2024 | NX Technologies | $24.0M Series B | — | Embedded Capital |
| Mar 1, 2024 | bezahl.de | $24.0M Series B | Alexandros Bottenbruch | Embedded Capital, Michael Hock, Aristotelis Xenofontos, Walter Ventures |
| Jan 1, 2024 | Korr | $3.0M Seed | Harsh Govil, Steve Pretre | Embedded Capital, Plug and Play Ventures |
| Jun 1, 2023 | TIFIN AMP | $10.0M Series A | — | Antler, Embedded Capital, Embedded Ventures, Hakan Koc, Moritz Thiele |
| Jun 1, 2023 | Nelly | $16.0M Series A | Lakestar, Jan-Hendrik Bürk, Harsh Govil | Embedded Capital, Global Founders Capital, Notion Capital, Robert Maier, Verena Pausder, Yang Zou |
| May 1, 2023 | ThreatFabric | $13.0M Seed | Hugo Bongers, Motive Ventures | Embedded Capital, 10x Founders, 14Peaks Capital |
| Apr 1, 2023 | GovRadar | $1.0M Seed | — | Alpine Space Ventures, Antler, Band of Angels, btov Partners, Embedded Capital, Embedded Ventures, Christian Miele, Hakan Koc |
| Mar 1, 2023 | bezahl.de | $12.0M Series A | — | 42CAP, Embedded Capital, Jan Dzulko, Alexandre Berriche, Anna Alex, Christian Bach, Evan Weaver, Julian Teicke, Mirko Novakovic, Paolo Negri, Tobias Schütt, Ingo Weber, Motive Ventures, Rolf Christof Dienst |
| Mar 1, 2023 | Elyn | $3.0M Seed | Jonathan Userovici, Sequoia Capital | Catapult Capital, CoinFund, Cowboy Ventures, Draper Associates, Embedded Capital, Evolve VC, ff Venture Capital, First Round Capital, FJ Labs, Founders Future, HOF Capital, ISAI, Lobby Capital, Mayfield, Motier Ventures, Rick Yang, NFX, Pareto Holdings, Sierra Ventures, Spark Capital, The Hit Forge, Valar Ventures, White Star Capital, XAnge, Y Combinator, Alexandre Prot, Didier Valet, Marcus Segal, Maxime Paradis, Naveen Selvadurai, Raphael Vullierme, Shervin Pishevar, Steve Anavi, Tom Williams, Guillaume Princen, Marc Menase, Financière Saint James |
| Nov 1, 2022 | Alvo market | $980K Seed | — | Embedded Capital, FJ Labs, Kima Ventures, Pareto Holdings, The Hit Forge, Valar Ventures, Guillaume Princen, Naveen Selvadurai |
| Sep 1, 2022 | Edda | $6.0M Seed | — | Embedded Capital, FJ Labs, Pareto Holdings, Plug & Play Ventures, The Hit Forge, Valar Ventures, Guillaume Princen, Naveen Selvadurai, Steve Anavi |
| Jul 13, 2022 | Luca | $30.1M Seed | — | Ramin Niroumand, Target Global, Julian Teicke |
| Jul 1, 2022 | MYNE Homes | $24.0M Seed | — | 8VC, AirAngels, Angelic Ventures, AngelPad, Antler, Cherry Ventures, Earlybird Venture Capital, Embedded Capital, Embedded Ventures, General Catalyst, Global Ventures, HV Capital, La Famiglia, L Catterton Growth, MS&AD Ventures, Picus Capital, Presight Capital, Rembrandt Venture Partners, RTP Global, Spark Capital, Tribeca Venture Partners, Vocap Investment Partners, VR Ventures, Andrej Henkler, Christian Bertermann, Hakan Koc, Holger Hengstler, Johannes Reck, Julius Köhler, Matthias Hilpert, Michael Wax, Moritz Thiele |
| Jul 1, 2022 | Peakflo | $4.0M Seed | — | 468 Capital, Amino Capital, Curie.Bio, Daffy, Embedded Capital, EQT Ventures, Gradient Ventures, Join Capital, Kleiner Perkins, Operator Partners, Portage Ventures, Rainfall Ventures, StartupGym, Streamlined Ventures, Threshold Ventures, Workday Ventures, Gerald Parloiu, Kelly Ford, Lucas Cranach, Oliver Jung, Oliver Roskopf, Philipp Kloeckner, Portman Wills, Roland Grenke, Sue Xu |
| Jun 1, 2022 | simpleclub | $8.0M Series A | — | 42CAP, 83North, Alpine Space Ventures, AngelList Syndicator, Calm/Storm Ventures, Embedded Capital, Global Founders Capital, Hi Inov - Dentressangle, HV Capital, Lakestar, Notion Capital, Sequoia Capital, TQ Ventures, Christian Hülsewig, Johann "Hansi" Hansmann, Julius Göllner, Julius Köhler, Robert Maier, Robert Wuttke, Robin Behlau, Tarek Muller, Verena Pausder, Yang Zou |
| May 1, 2022 | getquin | $15.0M Series A | Hélène FALCHIER | 50 Partners, 9Yards Capital, eFounders, Point Nine Capital, Didier Valet, Giorgio Riccò, Guillaume Lestrade, Maximilian Tayenthal, Nate Matherson, Raffael Johnen, Thibaud Elziere, Erik Podzuweit, Horizons Ventures, sino AG |
| Apr 1, 2022 | symmetrical.ai | $19.0M Series A | Ben Kaminski | 500 Global, Credo Ventures, Embedded Capital, ff Venture Capital, Finch Capital, Global Founders Capital, Inovo VC, Lakestar, Market One Capital, Next47, Notion Capital, Pareto Holdings, Partech Ventures, Presto Ventures, Vine Ventures LP, Bartosz Lipnicki, Cristóbal Conde, Gabriel Naouri, Ian Hogarth, Mark Pincus, Robert Maier, Verena Pausder, Yang Zou, Finn Weise |