40 PLUS E-CAPITAL OÜ

What 40 PLUS E-CAPITAL OÜ does

40 PLUS E-CAPITAL OÜ is an Estonian private holding company and venture capital firm, established in 2018 and operating alongside its Slovenian sister entity 40 PLUS CAPITAL d.o.o. The firm invests in and operates a portfolio of European fintech ventures while providing specialized advisory services in tokenization, fintech support, and digital transformation consulting. Its core activity is equity investment in growth-stage financial technology companies combined with hands-on portfolio management and operational guidance.

The company's portfolio comprises four principal holdings: ABC Tech Group (digital banking infrastructure offering Core Banking, Digital Banking, Reporting Platform, and Agentic Banking solutions for bank modernization), VELI.IO (an EU-licensed cryptocurrency investment platform enabling financial advisors to manage crypto and tokenized portfolios), Ionic Digital (an AI infrastructure company converting energy assets into high-performance data centers), and the wholly-owned 40 PLUS ABT (a special purpose investment company deploying capital across traditional capital markets and peer-to-peer platforms). Beyond portfolio management, 40 Plus Capital offers blockchain-based tokenization services that fractionalize assets, fintech advisory, and digital transformation consulting, and operates a customer portal (app/login) for 40 PLUS ABT investors.

Revenue is generated through two streams: investment returns from portfolio company equity (realized via appreciation, distributions, and potential exits across ABC Tech Group, VELI.IO, Ionic Digital, and 40 Plus ABT) and advisory and consulting fees paid by portfolio companies and select small-business fintech clients. The firm employs 1–10 people across its dual-jurisdiction footprint, with operational headquarters in Ljubljana, Slovenia and a regional European office in Tallinn, Estonia. GTM is sales-led, relying on direct outreach to fintech founders and a website contact form with a guaranteed two-business-day response. No pricing, AUM, or revenue figures are publicly disclosed.

Name

40 PLUS E-CAPITAL OÜ

Legal name

40 PLUS E-CAPITAL OÜ

Website

https://www.40pluscapital.com/

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

40 PLUS E-CAPITAL OÜ is an Estonian holding company and venture capital firm (founded 2018) that invests in and manages a European fintech portfolio — digital banking, crypto investing, and AI infrastructure — while providing tokenization and digital transformation advisory services.

Ownership category

akta.pro rank

Product category

Venture Capital and Holding Company

NAICS

Other Financial Investment Activities (5239), Portfolio Management and Investment Advice (523940)

SIC

Investors, Nec (6799), Finance Services (6199)

akta.pro primary industry

Venture Capital Fund-of-Funds / Multi-Manager Platforms (FSANAAAJ)

Keywords

• Venture capital
• Fintech investments
• Portfolio management
• Tokenization services
• Digital transformation

Headquarters

HQ city

Tallinn

HQ country

Estonia

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

1. Investment Returns from Portfolio Companies: As a holding company, 40 Plus Capital generates returns through equity investments in fintech companies including ABC Tech Group, VELI.IO, Ionic Digital, and 40 Plus ABT. Returns are realized through equity appreciation, distributions, and potential exits.
2. Advisory and Consulting Services: Provides advisory services to portfolio companies and shares experience with other small businesses, primarily fintech startups. Revenue generated through consulting fees and ongoing advisory arrangements.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

40 PLUS E-CAPITAL OÜ is a privately held holding company and venture capital firm that invests in early-stage fintech startups. Through its affiliated entity 40 PLUS CAPITAL d.o.o. in Slovenia, it also offers specialized advisory services in tokenization, fintech support, and digital transformation consulting for small and growing businesses. Its portfolio includes holdings in digital banking (ABC Tech Group), crypto investment (VELI.IO), AI infrastructure (Ionic Digital), and the wholly-owned investment vehicle 40 Plus ABT.

Product overview

40 Plus Capital is a holding company and venture capital firm specializing in fintech investments. The company operates a portfolio of fintech companies and provides advisory services. Its portfolio includes ABC Tech Group (digital banking infrastructure), VELI.IO (EU-licensed crypto investment platform), Ionic Digital (AI infrastructure/data centers), and 40 PLUS ABT (investment company with peer-to-peer platform). The company also offers specialized fintech services including tokenization, fintech support, and consulting to help small businesses grow and undergo digital transformation.

Differentiator

Problem solved

Functional benefit

Brands

• 40 PLUS ABT: Special purpose investment company investing in assets via traditional capital markets and new peer-to-peer platforms.
• ABC Tech Group
• VELI.IO
• Ionic Digital

Products and services

• Tokenization Services
• FinTech Advisory and Consulting
• 40PLUS ABT Customer Portal

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators2 records

Recent moves1 record

Expansion highlights6 records

Market position

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/40-plus-capital

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about 40 PLUS E-CAPITAL OÜ