37. Cino

Company: Cino

CEO & Co-Founder: Elena Churilova

Website: http://www.getcino.com

 

 

About Cino

 

Cino is reshaping fintech by making real-time group payments finally possible. The app lets Gen Z pay together in a single seamless transaction – directly from their own bank accounts. No top-ups. No reimbursements. No stress. Just one tap to pay together.

Launched in 2023, Cino was born from a simple but powerful insight: people are spending more together, yet the tools to manage it were outdated. The founders – with backgrounds in global consumer products and human-centred design – set out to build a new payment layer for how Gen Z actually lives: socially, flexibly, and digitally.

The company has raised €5.6 million to date, with its latest round led by Balderton Capital, joined by Connect Ventures, Tera Ventures, and angels like Cleo founder Barney Hussey-Yeo. Cino is already seeing viral growth across Europe, with users spending up to €3,000 monthly across 17+ shared transactions. A waitlist is growing fast ahead of its UK launch.

As Balderton put it: spending together should be as seamless as paying alone. Cino is making that the new standard.

 

 

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