Munich Startup
XPAY Solutions GmbH

XPAY Solutions GmbH

Next-generation prepaid cards At XPAY, we want to offer you more than just a high-quality payment method. As a leading Card-as-a-Service (CaaS) platform, we provide you with prepaid cards featuring Mastercard® payment functiona...

Founded2026
Business Model-
IndustryBanking
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About XPAY Solutions GmbH

Next-generation prepaid cards At XPAY, we want to offer you more than just a high-quality payment method. As a leading Card-as-a-Service (CaaS) platform, we provide you with prepaid cards featuring Mastercard® payment functionality that truly inspire. With our continuously growing offering, you not only enjoy absolute payment and data security, but also exclusive benefits with our partner merchants. The best customer advantages for you – with XPAY. Our fintech expert team delivers branded prepaid cards at a revolutionary price for businesses of all sizes. XPAY is one of the fastest-growing providers of customer loyalty programs, headquartered in Munich.

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ARCIS

ARCIS builds an AI-powered decision layer for logistics and freight operations. Many logistics teams today still work with fragmented processes across TMS systems, Excel files, emails, PDFs, and the individual experience of dispatchers. This results in manual work, slow handoffs, missing information, and inefficient planning decisions. ARCIS was founded by Onur Yılmaz and Birkan Kolcu, two computer engineers whose collaboration began 14 years ago as fellow students, roommates, and long-term technical partners. Onur combines computer science expertise, business-building experience, an MSc in Informatics from Technical University of Munich, experience at Intel, and strong connections to Munich’s startup ecosystem. Birkan brings technical depth from his computer science degree at the University of Arizona as well as practical experience in cloud engineering and scalable systems. The focus on logistics emerged from close relationships with logistics companies and operators in the team’s network. As these conversations increased, a recurring pattern became clear: high-quality operational decisions are still made manually across scattered systems and personal experience. ARCIS helps logistics teams connect this information and make decisions around dispatch planning, load-truck-driver matching, capacity utilization, document processes, and operational exceptions faster and more reliably—without replacing existing systems.

B2B-

2026Founded
-Team size
Growth Stage