Founded in 1995 and headquartered in Hamburg, Varengold Bank AG is a German-licensed credit institution regulated by BaFin. Initially focused on derivatives and brokerage, the bank has since pivoted its business model to two core areas: Marketplace Banking and Transaction Banking. In Marketplace Banking, it acts as a strategic partner for FinTech companies and peer-to-peer lending platforms, offering credit fronting services, debt financing, and access to its banking license. The Transaction Banking division provides payment solutions and trade finance services for international-oriented businesses. The bank aims to support the digital economy by providing essential banking infrastructure to innovative business models.