UNIQ Ventures

UNIQ Ventures is a fintech and insurtech venture builder, a 'startup factory' rather than a traditional venture capital fund, headquartered in La Massana, Andorra, with operations in Barcelona, Spain, and founded around 2019 by André Caçador. Positioned as the first venture builder specialised in fintech and insurtech in Spain, with the ambition of becoming a reference across Southern Europe and Latin America, the firm builds internet companies around proven business models: it scans the global market for successful digital businesses in finance, insurance and legal and recreates them in markets where it sees large untapped opportunity. UNIQ relies on an in-house team of specialists, engineers, product managers, analysts and designers, who form and test hypotheses, build prototypes, run experiments and launch new ventures; once a business model is validated, the firm injects further capital and recruits an entrepreneurial team to scale the startup into a global company. Its areas of focus include open banking, blockchain, artificial intelligence, banking-as-a-service, self-driving finance and digital assets. Early ventures built in-house include Octans, an AI-based open-finance platform that helps banks deliver new digital customer experiences, and Vesto, a mobile app that helps everyday users grow and manage their savings. The company mobilised around EUR 1.5 million into its first two initiatives and has signalled plans to launch roughly 20 fintech projects over five years, requiring more than EUR 10 million of investment. By building, validating and scaling fintech and insurtech ventures in-house, UNIQ Ventures operates as a startup factory targeting untapped Southern European and Latin American markets.