Twice a year, the HoFT network convenes. This is one of those days.
Three questions frame the day:
— Who controls the financial stack?
— Where does the BaaS consolidation wave land?
— What changes when AI stops assisting and starts deciding?
Members shape the agenda. Non-members are welcome at the table.
AI.Baas. Stack. The morning sessions put the industry’s hardest questions on stage with the people building, regulating, and selling it all into the same room.
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Five masterclasses across two afternoon slots covering Embedded Finance, AML, Platform Sovereignty, Scalable Infrastructure, and Agentic Payments. 90 minutes, small groups, people who actually build this every day.
BBQ, drinks, and Berlin’s fintech crowd taking over the campus once the sessions end. No stage, no schedule — just the kind of evening where the right conversation finds you.
This masterclass explores how tokenisation is reshaping capital markets, covering regulation, DLT-based financial instruments, tokenised payments, and the future of digital finance. 📍13:30-15:00 | HoFT Space
Identity is no longer a one-time check. This interactive masterclass explores how financial institutions can turn KYC into a continuous trust model that adapts to risk, regulation, and customer behaviour. 📍13:30-15:00 | CLINKER
This masterclass explores how partnerships, embedded finance, and ecosystem strategies can help organizations drive growth, create customer value, unlock new revenue streams, and stay focused on their core business. 📍13:30-15:00 | Pliant office
This masterclass explores what happens after MiCA licensing: how regulated digital asset firms earn the trust of banks, partners, and investors. Participants will learn how to assess their organization's readiness for growth, partnerships, and institutional capital. 📍15:30-17:00 | HoFT Space
How do deposits become a growth strategy? This interactive masterclass explores how banks across the Nordics are rethinking deposits, funding, and market expansion through real customer cases. 📍15:30 - 17:00 | CLINKER
January 1 is closer than it looks. This masterclass unpacks what banks, brokers, and wealth platforms need to know to launch an Altersvorsorgedepot with confidence from day one. 📍15:30 - 17:00 | Upvest office
Deputy Chairman of the Executive Board & COO/CFO
Berliner Volksbank
CEO
Vilja Solutions
Founder & Co-CEO
beatvest
CEO
Smartbroker+
Managing Director Central Europe
Qonto
CEO
House of Finance & Tech Berlin
Attorney-at-Law, Partner
Luther Rechtsanwaltsgesellschaft mbH
CRO of Hawk
Co-CEO of Berlin Finance Initiative
Chief Growth Officer
wealthAPI
Senior Expert Financial Innovation
BaFin – Bundesanstalt für Finanzdienstleistungsaufsicht
Lead Senior Officer
BaFin – Bundesanstalt für Finanzdienstleistungsaufsicht
CPO
House of Finance & Tech Berlin
Managing Director
lemon.markets
Chief Product Officer
Vilja Solutions
Head of DACH
Swan
Lawyer | Partner
Schalast
Director of Business Development
Deutsche WertpapierService Bank AG
Partner, Financial Services
KPMG AG
Chief Operating Officer
Myntro
VP Product
Upvest
Director of Growth at Upvest
Upvest
CCO
Banxware
Partner, Financial Services
KPMG AG
CTO / COO
AllUnity
Managing Director
msg Rethink Compliance
Technical Specialist – Smart Data Accelerator
Financial Conduct Authority
Vice President of Engineering
IDnow
Sales Director Central Europe
IDnow
Director Partnerships Enablement
Pliant
Chief Operating Officer & Managing Director
Pliant
Chief Commercial Officer
IDnow
Members attend as part of their membership.
Non-members: €350 — a contribution that keeps the room curated and the conversations honest.
The day doesn’t happen in a conference center. It happens at HoFT’s Backfabrik campus in Berlin — the same campus where members like Scalable Capital, Pliant, Upvest, and others operate from every day.
Morning sessions take place on the main stage. In the afternoon, the masterclasses move into the host offices: you walk across the courtyard into a working fintech to talk about Embedded Finance, or into an infrastructure team’s space to debate Platform Sovereignty. Smaller rooms, fewer people, the host’s own context on the walls.
The campus stays open. The festival closes the day in the same courtyard you crossed all afternoon.
ABOUT THE HOUSE OF FINANCE & TECH
House of Finance & Tech Berlin (HoFT) is Europe's Financial Wellbeing ecosystem, home to 70+ member companies and designated as Germany's official FinTech hub within the federal de:hub initiative. HoFT works at the intersection of data, innovation and policy to move Financial Wellbeing from concept to standard.
Our Berlin campus is the physical home of the ecosystem: a fintech-exclusive workspace where the community works, tests ideas, and meets the people it would otherwise need a calendar invite to reach.
The network convenes twice a year. Here’s the room from our last flagship event:
attendees
companies
decision-makers
satisfaction
C-level, founders, and directors make up nearly four in five attendees. Banks, fintechs, consultancies, regulators, and academia in roughly equal balance. December 2025. July 2 in Berlin is the next one.
for sponsorship, partnership opportunities, and more info via summit@hoft.berlin
Get in touch.png%3F2026-02-04T12%3A23%3A42.414Z&w=3840&q=75){kind=logo}