01
Corporate challenge track
Real problems submitted by banks, insurers and fintechs. Tracks will be announced before kickoff.
Build the next fintech product in Madrid.
A 90-day challenge where builders, students and fintech partners turn real financial problems into working products.
19 Nov 2026
Kickoff
18 Feb 2027
Demo Day
12 Nov 2026
Applications close
Madrid
Location
01The programme
Not a weekend hackathon.
Teams build for 90 days, with check-ins every 3 weeks, access to partner APIs, real industry challenges, and coaches from the fintech ecosystem. The goal is not a pitch deck. The goal is a working product.
01Apply
02Kickoff
03Build for 90 days
04Check in every 3 weeks
05Demo Day
02Who should apply
For people who want to build finance, not just talk about it.
You can apply solo or as a team. We will help complete teams with complementary profiles.
Software builders
Finance & regulation profiles
Product & design profiles
Data & AI profiles
Growth & business profiles
03Challenge areas
Corporate challenges & open tracks.
We are finalising the challenge set with corporate partners, fintechs and infrastructure sponsors. The tracks below give the shape of what teams will work on; exact problem briefs will be published before kickoff.
02
Open infrastructure track
Build on APIs, ledgers, payments, identity and AI infrastructure. Details coming soon.
03
Consumer finance track
New ways to save, invest, borrow and move money. Specific themes to be confirmed.
04
Compliance & risk track
AML, fraud, KYC and regulatory tooling challenges from industry partners.
05
AI & data track
Intelligent workflows, document processing and decision support for financial services.
06
Additional partner tracks
More challenge areas from sponsors and community partners will be added as they are confirmed.
Teams may also work on partner challenges announced before kickoff.
04For partners
Put your stack or your problem in front of builders.
For API & infrastructure companies
Stack Partner
Provide sandbox keys, raised limits, office hours, technical support and a prize.
LedgerPaymentsIssuingKYC & AMLInvestingAICloud
Partner with us For banks, insurers & fintechs
Challenge Partner
Bring a real roadmap problem, a coach, a prize and access to the business context.
First look at teamsPilot opportunitiesBuild-with-them pathsVisibility in the report and Demo Day
Bring a challenge 05Timeline
90 days, tightly structured.
Each check-in is a progress update and evaluation. Teams keep building, partners keep coaching, and weak ideas get sharpened fast.
01Applications openNow
02Applications close12 Nov 2026
03Kickoff19 Nov 2026
04Check-in 1Week 3
05Check-in 2Week 6
06Check-in 3Week 9
07Final check-inWeek 12
08Demo Day18 Feb 2027
06Why Madrid
Madrid is where European fintech can be built.
Spain has talent, regulation, banks, fintech operators and European ambition in one city. The challenge connects the people who study finance, code products, regulate markets and operate the companies already changing the sector.
Madrid Fintech Community
300+ professionals in tech, finance and banking
Independent of any bank
Founders, bankers, engineers, regulators and lawyers
90 days · Madrid · Real products
Madrid builds it.
Applications close on 12 November 2026. Kickoff is on 19 November 2026 in Madrid.