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About us

Welcome to the future of cross-border lending! 

We are the bridge between people and banks.

Mifundo is a cross-border finance platform, connecting people with banks regardless of their location. We are offering for people a borderless banking options.

Our service is novel and game changer - no longer the bank is choosing its customers but now the customer can choose the bank between different options from different countries.

We have developed an easy-to-use solution for cross-border lending, to make customers lives easier and widen their options significantly.

  • Mission

    To make lending borderless by removing barriers between people and banks all over the EU.

  • Vision

    Mifundo makes entire EU to one single credit market. We are the bridge between people and banks.

We are

  • Innovative

    We are pioneers, doing something that no one has ever done, opening new opportunities.

  • Fair

    We believe that everybody has the right to choose in their own best interest. We are openminded, we stand for openness and honesty. We care, behind the technology and AI there are also real passionate people.

  • Trustworthy

    Our sophisticated AI has been developed in cooperation with STACC & University of Tartu data scientists. Mifundo development is supported by European Union through European Regional Development Fund and Enterprise Estonia.

Our team

  • Kaido Saar

    Co-Founder & CEO 

    Experienced business and team leader with a demonstrated history of working in the banking industry over 20 years. 

    Chairman of the Board of FinanceEstonia.

  • Keiu Kalaus


    Experienced business and team leader with over 12 years international experience in the banking sector, incl. entering new markets and launching new products in highly regulated European Union member states.

  • Marko Käis

    Co-Founder & Technical Architect 

    Experienced Senior Developer with a demonstrated history of working in the information technology and services industry over 20 years.

  • Katre Kaarenperk


    Experienced marketeer having an extensive international hands-on experience in formulating business strategies, building brands, developing markets, leading sales and marketing operations, working with international brands and also operating in highly regulated business areas.

  • Jüri Pruulmann


    A talented CTO who has deep experience as a technical architect in creating solutions for financial companies in order to keep their technical security and operational stability always up-to-date.

  • Artis Gromuls


    Experienced entrepreneur and product innovator with deep expertise in FinTech analytics, who has helped several startups and large corporates drive efficiency and growth.

Our cooperation partners

  • The University of Tartu contributes to the development of Estonian society and economy with expert knowledge and science-based solutions. Mifundo has also invited researchers from the University of Tartu to help to develop a cross-border platform supported by artificial intelligence.

Featured by

  • Mastercard and top-tier banks in Northern Europe have selected Mifundo among TOP15 most promising fintech companies and invited into their joint partnership programme Lighthouse.

  • Mifundo was shortlisted for the Europe Fintech Awards 2023 in 4 different categories - Fintech of the year, Lendtech of the year, Startup of the year and Rising Star of the year. An independent panel of experts chose Mifundo as the Startup of the Year and as the LendTech of the Year. 

  • The Banking Tech Awards recognise excellence and innovation in the use of IT in financial services worldwide, and the people who make it happen. 2023 was the 24th year for these prestigious awards.

    Mifundo was selected as the FinTech Start-up of the Year 2023 from 7 finalists in this category. 

Read about us

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EAS logo
Building the prototype for the Cross-Border lending Project was supported by European Union through European Regional Development Fund and Enterprise Estonia. Grant was in the sum of 35 000 euros and total cost of the project was 52 560 euros. 

Cross-Border lending powered by Artificial Intelligence is supported by European Union through European Regional Development Fund and Enterprise Estonia (project number 2014-2020.4.02.21-0372). Project period is 12.02.2021 - 31.12.2023. Grant is in the sum of 691 260,05 euros and total cost of the project is 1 069 189 euros.