西班牙金融科技公司 ID Finance 融资 5.45 亿欧元，加码消费信贷应用 Plazo
Spanish fintech ID Finance lands €545M in debt and equity - Tech.eu
西班牙金融科技公司 ID Finance 完成 5.45 亿欧元债务与股权融资，投资方包括 Spice Expeditions、WashU、Kingsway Capital 和 i80 Group，具体股债比例未披露。资金将用于扩展其消费金融应用 Plazo 的产品线，该应用整合支付、购物奖励和短期借贷，并已拓展 BNPL 业务。ID Finance 称 Plazo 在 2025 年投资组合增长两倍并实现盈利。
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Spanish fintech ID Finance has raised €545 million in debt and equity, it said today, as it looks to make its consumer fintech app Plazo Spain’s “go-to” credit platform.
Barcelona-headquartered ID Finance did not disclose the equity and debt split in the raise. It said international investors Spice Expeditions, WashU, Kingsway Capital and global investment firm i80 Group were involved in the financing round.
It said the funding will be used to expand the product suite of its consumer fintech app Plazo. Plazo combines payments, shopping rewards and short-term borrowing in a single app. It has also expanded into BNPL as it looks to become Spain’s “go-to” consumer credit platform.
ID Finance said the funding marks one of the biggest rounds by a Spanish fintech in recent years.
Alexander Dunaev, co-founder of ID Finance, said: "This investment is a strong vote of confidence in Plazo and in the model we've built to modernise consumer credit in Spain. Plazo tripled its portfolio in 2025 and reached profitability, proving that responsible, AI-driven underwriting and a genuinely better product experience can scale together. "
spain; barcelona; Fintech
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