Brussels Fintech Chift Raises $11.4M to Solve Europe's Fragmented Finance

Jan de Vries · 2026-09-14

Imagine trying to connect 120 different financial systems across 27 countries—each with its own rules, formats, and quirks. That's the nightmare Chift is solving. And investors just bet big on it. Chift, a Brussels-based startup, has raised €10.5 million (about $11.4 million) in Series A funding. The round was led by BlackFin Capital Partners, a European FinTech specialist managing over $4.3 billion in assets. Existing investors Entourage, Shapers, Seeder Fund, and Wallonie Entreprendre also joined in. ### Why This Matters for European Startups Europe's financial software landscape is a mess. Data sits in dozens of local systems that were never designed to talk to each other. For software vendors, connecting to each one is a costly, time-consuming headache. Chift changes that. Through a single unified API, software companies can plug into more than 120 financial systems—accounting, invoicing, point-of-sale, e-commerce, payments, and property management. No need to build and maintain each connection separately. Think of it like a universal adapter for financial data. An invoicing platform can route customer invoices into 40 different accounting tools without integrating with each one individually. > "Financial data connectivity is genuinely hard to build, particularly in Europe, where data sits across dozens of local systems that were never designed to talk to each other. That difficulty is what makes Chift's position valuable. And AI raises the stakes further: agents are only as good as the data they can access." — Pauline Brunel, Investment Director at BlackFin Capital Partners ### The AI Angle: Beyond Just Financial Software Chift isn't stopping at traditional finance. It's now orchestrating how AI systems and AI agents handle financial data. Through its Model Context Protocol (MCP) server, the company enables AI agents to securely retrieve and push data across its network of integrations. This means developers building AI features don't have to manage credentials system by system. Authentication and access control are handled automatically. "AI and e-invoicing are rebuilding the entire financial software market, and businesses run on more tools than ever," said Gauthier Henroz, CEO and co-founder of Chift. "Interoperability is becoming the defining problem of European SMB finance. Its fragmentation makes that harder to build than anywhere, as systems are split across 27 countries. That is exactly why we build the infrastructure that connects it all." ### Traction and What's Next Since its €2.3 million seed round in 2024, Chift has seen revenue grow more than tenfold. The team has expanded to 35 people. More than 150 software companies now use Chift to connect over 50,000 SMEs across ten European countries. Notable clients include FinTechs like Revolut, Qonto, Pennylane, and Mollie. With the new capital, Chift plans to expand into every major European market and deepen its AI bet. It's also working on integrations that configure themselves rather than requiring manual setup. By 2028, the company aims to become Europe's go-to provider of financial connectivity. "We are proud to back Gauthier, Henry and Matthieu in making Chift the connectivity infrastructure for business software in the AI era," added Brunel. For European startups, Chift's rise signals a bigger trend: fragmentation is an opportunity. If you can build the bridges between systems, you become indispensable. And in a market as fragmented as Europe's, that's a very valuable place to be.