New investing solutions.
Because money also has the right to grow.

Generate passive income by investing into digital tokens representing a real-life asset and earn up to 11.25%* on a yearly basis.

Serbian SEC approved the publishing of the whitepaper for our new digital token FIN2 that you can buy on our platform. You can download the whitepaper by clicking on the button below. If you are interested in the whitepaper for our previous token FIN, you can download it here.

Published auditor report

As a factoring company, Finspot is subject to external audit. Auditor report for 2020. can be downloaded here, for 2021. here, while the report for 2022. can be downloaded here.

Licensed factoring company

Factoring is regulated by the Law on Factoring and Finspot operates in accordance with the approval of the Ministry of Finance of the Republic of Serbia under number 401-00-05877/2020-16.

SEC approved whitepaper

Digital tokens are regulated by the Digital Property Act. Our new whitepaper has been approved by the Commission for Securities Exchange licence number 9/2-101-3071/7-22.



We believe in clean business and transparency.

As a team of experienced engineers and proven experts in the field of finance and law, we have developed the first Serbian online factoring platform, which allows businesses to finance invoices in record time.

We have been recognized as the best fintech start-up by the European Bank for Reconstruction and Development (EBRD).

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Factoring users
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Financed invoices
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Gross amount of invoices financed so far

Start with ease.

Finspot is created to work for you, no matter if you are an experienced investor or you are just staring.

Open and verify an account, buy Finspot tokens, select an product to invest in and relax while your money is working for you.


In just 4 easy steps, invest your money and start earning some of the highest returns on the market.

01 Open and verify an account

Provide basic contact information to start the accreditation process. We ll need to verify you identity, address and bank account. Finspot support will contact you after you open an account to take you through the verification process.

02 Setup account

Add your bank account, open a new blockchain wallet or add an existing one.

03 Buy tokens

Buy tokens with a simple e-banking transaction of RSD to the FInspot account. After the initial offering is completed, you will automatically receive tokens in your blockchain wallet.

04 Invest

Select your investment products and confirm with a simple transaction to create your first investment.



Product 1

faktoring srbija

Product 2


Product 3


Product 4

Product 5

faktoring srbija

Product 6

*Pre tax. Please consult our whitepaper for more details on taxation of our digital token.

** With option for an early exit after 2 months.

*** With the option of monthly profit payouts for investments exceeding 600,000 RSD.


Profit acquired by our investors

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Who are our investors?

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Investment options chosen by our investors

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Make an impact.

New investment platform.

Invest and directly support small businesses.

Funds invested in Finspot tokens are used to finance invoices of small and medium-sized enterprises, which directly helps these companies to finance their growth and development! You can learn more about our invoice financing business in the second section of our website.


Frequently asked questions

The initial offer starts on January 16, 2023 at 08:00 and lasts for 2 days, that is it ends on January 18, 2022 at midnight. Tokens not sold during the initial offering will also be available for buying after the offering. 

In order to buy tokens, you first need to register on Finspot platform and go through the accreditation process. After successful accreditation, you need to set up your bank account and blockchain wallet on the platform, and after that you can make a FIN2 token purchase.

For now, FIN2 token can be purchased on the Finspot platform by paying the RSD equivalent to the Finspot account, where one FIN2 token amounts to RSD 1.000,00. Purchased FIN2 tokens can be invested in indexes offered by Finspot or sold back to Finspot. It is not possible to buy / sell it for another token, nor is it possible to send it to someone other than Finspot.

An investor can sell his FIN2 tokens to Finspot only if they are not invested in an index. If an investor has invested his FIN2 tokens by selecting a investment product, he can sell them to Finspot only after the investment expires.

The individuals holding FIN2 tokens are required to pay capital income tax on the interest earned from FIN2 tokens, and the income tax rate is 15%. The payment of taxes will be made by Finspot to the competent authority on behalf of the investor. At the same time the remaining profit will be paid directly to the investor.

You can. If the change of bank account or wallet address is made after the purchase of the FIN2 token, it is necessary to contact Finspot support by sending a request to change the bank account or wallet address from Finspot platform.

Minimum amount for the purchase of FIN2 tokens is 10.000,00 RSD, or 10 FIN2 tokens.

Maximum amount is currently available amount of FIN2 tokens that have not been sold, and you can see this information on the Finspot platform, within the form for buying FIN2 tokens.

According to the basic attributes, blockchain technology implies the responsibility of the token owner to keep a secret key that allows access to his blockchain wallet. In case of loss of the secret key, no one, not even the issuer, can provide access to the blockchain wallet, and therefore the tokens that are in such a wallet. Given the nature of the Finspot token and the closed ecosystem in which it is used, as well as the fact that all holders are accredited, Finspot may in such situations have proof of the actual owner of the token and refund it for a fee in case of loss of a secret key and only after the their investments expire.

Based on the business done so far and the measures taken during the development of the FIN2 token, Finspot believes that the risk of investing in FIN2 token is very low.

You can see more about the business and technological risks that exist in the white paper on our website.

In addition to the Finspot wallet that you can open on our platform, you can also use other wallets that support custom ERC20 token on Polygon network such as MetaMask wallet, Alpha wallet and Trust wallet. If you use a wallet other than those listed, please notify Finspot support to confirm if it can be used for FIN2 token.



Finspot was recognized as innovative solution by

This project is indirectly funded by the “Horizon 2020” program of the European Union for research and innovation through the accelerator program Block.IS (grant no. 824509).