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The Venture Codex

Crestone VC

Salcedo St, Makati, Metro Manila, 1200, Philippines

Overview

Crestone Venture Capital is a US-based Fintech specialist Venture Capital Fund founded in 2019 by Kai Schmitz and Inanc Balci. Crestone invests in early-stage Fintech companies in Emerging Markets covering Southeast Asia, South America, Africa, South Asia, and the Middle East. The Fund specializes in embedded Fintech, financial infrastructure, business enablers, consumer finance, Fintech-aaS and lending. Current portfolio includes Neivor in Mexico, Chico in Brazil, Minka in Colombia and Peddlr in the Philippines. Crestone values highly driven entrepreneurs with excellent execution skills and provides hands-on financial and operational support from A to Z. For more information, please visit http://www.crestone.vc

Total investments
6
Lead investments
1
Investments · 12mo
3
Active investors
2

Sector focus

  • Financial Services
  • FinTech
  • Venture Capital
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Investment portfolio

  • Donnerstag.ai

    Participated · Seed · Dec 2025

    Founded in 2025 and headquartered in Frankfurt am Main, Germany, Donnerstag.ai delivers an AI-driven SaaS platform that automates accounts receivable workflows for supplier businesses. The software aggregates performance, billing and payment information from ERP, service recording and banking systems into a single environment. Its algorithms detect discrepancies in real time and automatically reconcile thousands of transactions, helping customers secure cash flow and avoid payment losses. By centralizing data and automating reconciliation, the platform offers full transparency into outstanding receivables while reducing manual finance work. The company intends to use newly raised capital to deepen its AI capabilities, enrich product features and accelerate expansion across the DACH region. Although specific revenue or user numbers were not disclosed, Donnerstag.ai is positioning itself as a fintech solution focused on receivables automation for mid-market and enterprise suppliers.

  • OneLot

    Participated · Seed · Nov 2025

    OneLot provides working-capital and inventory loans to secondhand car dealers through a digital platform that combines AI-driven credit underwriting with onsite vehicle appraisal for rapid loan disbursement. In its first 18 months of operations, the company has extended more than $7 million in loans to 150 dealers, validating demand in the country’s $15 billion used-car market. The service aims to improve cash flow for small, independent dealerships by shortening approval times and expanding access to credit. Alongside financing, OneLot is developing additional budget offerings and digital tools to help dealers manage and grow their businesses. Management plans to use newly raised capital to deepen penetration in the Philippine market and enhance its technology stack. CEO and co-founder Harm-Julian Schumacher says the company’s goal is to become the leading financing platform for used-car dealers in the region.

  • Loto

    Participated · Seed · Aug 2025

    Loto provides SMEs a combined payments and accounting platform that links debit and credit cards with accounting software to automate expense reporting, deliver real-time visibility, and reduce fraud risks. The product also issues corporate incentive cards powered by Visa to simplify employee benefits. Loto already serves more than 100 clients, including Amarilo, Stilotex, Creditop, and KTM Powershop. The company says it will use new funding to expand operations in Colombia and to prepare for entry into a second market in 2026. Loto aims to reach 500 clients by the end of 2025. The article does not disclose revenue figures or other financial metrics beyond the fundraising.

  • Hyperplane AI

    Participated · Seed · Dec 2023

    Hyperplane is a San Francisco–based startup building foundation models to help banks predict customer behavior and deliver personalized experiences. It offers APIs and task-specific models, currently providing modules for audience segmentation and lookalike audience creation; deployments are private and the company says it does not share customer data. Hyperplane also launched Mandelbrot LLM, a model tailored to predict events like customer churn and which bank a user treats as primary. The company is already working with about a dozen banks in Brazil and reports that its service helped a neobank credit-limit division increase transaction volume by 46%. Hyperplane plans to expand into the U.S. and, over time, to apply its technology to other verticals. The founding team includes Felipe Lamounier (CEO), Daniel Silva, Rohan Ramanath and Felipe Meneses, who bring experience from StartSe, Google and LinkedIn.

  • Ringkas

    Led · Seed · May 2023

    Ringkas operates a digital platform for housing finance that lets customers apply to multiple banks with real-time pre-qualification, aiming to simplify a traditionally manual and fragmented mortgage process. The company emphasizes data security, audit trails, and restricted access for relevant parties in the mortgage workflow. With the new funding it plans to develop and scale its platform across numerous Indonesian cities and expand into the secondary market. Ringkas is already active in five cities and has secured more than $2 billion in housing supply through partnerships with major real estate developers. The team says it aims to launch over 100 projects in 34 cities and complete up to $200 million in mortgage transactions within the next 6–12 months. Its long-term goal is to enable mortgage access for a large portion of Indonesia’s population by addressing low mortgage penetration and the national housing backlog.

Team