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Mifundo

Mifundo

Mifundo's goal is to build a verified and passportable financial identity solution that eliminates the barriers between people and banks in the EU.

Lobbying Activity

Response to European Data Union Strategy

18 Jul 2025

Mifundo supports the European Data Union Strategy as an important step towards a more competitive, interoperable and inclusive data economy. We urge the Commission to ensure that the strategy: Supports private-sector investment in scalable data infrastructure, Promotes voluntary, trusted data sharing without centralisation, Enables proportional and cross-border compliant innovation, and Strengthens Europes leadership in global data governance. We thank the Commission for this opportunity to contribute and would welcome further engagement to share insights from our cross-border operations and partnerships across the EU credit and data landscape. Please see attached our detailed contribution.
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Meeting with Alice Guedel (Cabinet of Commissioner Maria Luís Albuquerque), Cristina Dias (Cabinet of Commissioner Maria Luís Albuquerque)

6 Jun 2025 · Presented their company and shared views on data access in the EU

Meeting with Triinu Volmer (Cabinet of Executive Vice-President Roxana Mînzatu)

7 May 2025 · Meeting on the fragmentation of the banking system and its contribution to social inclusion issues

Response to Single Market Strategy 2025

30 Jan 2025

Mifundo OÜ (www.mifundo.com), the Estonian fintech company on a mission to make creditworthiness borderless and transform the EU into a unified credit market, welcomes the opportunity to contribute to the 2025 Single Market Strategy. 45 million EU citizens including expats, cross-border workers, and foreign property struggle to access credit simply because their financial history does not travel with them. This is not just an inconvenience; it is a significant barrier to financial inclusion and a truly integrated Single Market. In our contribution, we highlight how fragmented credit data and outdated regulations hinder consumers. We are advocating for: (i) Seamless access to credit histories across borders; (ii) Interoperable credit scoring models; (iii) Clearer rules on financial services passporting By addressing existing regulatory barriers, the EU can foster a more integrated and efficient credit market, ensuring equal access to credit for all EU citizens regardless of their nationality or mobility within the Single Market.
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