Apoera Ventures Investor & Company Builder

Shaping
Future
Technology
Ventures

Building and investing in the technology companies that define the day after tomorrow — from Frankfurt to the world.

🗿 Apoera means "the day after tomorrow" in the Pascuense language of Easter Island
Venture Portfolio

12 Ventures.
One Direction.

12
Active Ventures
~20
Years Building
100+
Active Co-Investors
Fincite FinciteWealthTech · Founded Companyon CompanyonB2B SaaS · Investor Metalshub MetalshubB2B Marketplace · Investor Evergreen EvergreenCleanTech · Investor Captiq CaptiqFinTech · Investor TraFinScout TraFinScoutFinTech · Investor Goio Data Goio DataData · Investor LeanVal LeanValValuation Tech · Investor Ianua IanuaPropTech · Investor TIIB TIIBFinTech · Investor InVenture InVentureVenture · Co-Founder
+ MORE
Experiments

AI at
the Frontier

Hands-on exploration of AI capabilities applied to real business contexts. Living experiments — sometimes failing, always learning — into how artificial intelligence reshapes the way ventures are built, scaled, and operated.

01 · Active

The AI-based CFO Office

Building an AI-native CFO layer that handles financial planning, forecasting, reporting and treasury management — augmenting the CFO function for venture-stage companies.

Explore
02 · In Progress

AI-based Requirements Engineering

Using LLMs to transform product discovery into structured, implementation-ready requirements — compressing weeks of specification work into hours.

Explore
03 · Research

Agent-based Management Consulting

Investigating how autonomous AI agents can deliver strategy, market analysis, and operational recommendations at the quality level of senior consultants.

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About
Ralf Heim

Ralf Heim

9+ years building and scaling software companies. Today: growing a portfolio of 12 ventures as investor and company builder.

My focus lies at the intersection of financial technology, AI-driven transformation, and venture building. I co-founded Fincite, one of Germany's leading WealthTech platforms, and have since expanded into investing in and co-building the next generation of technology companies across Europe.

Based in Frankfurt. Born on Easter Island. Building for the day after tomorrow.

Awards & Recognition
Content Online

Perspectives &
Conversations

P&B
Blog · Featured Contributor
Money & Machines
at Payment & Banking

Essays and thoughts on the intersection of Software, AI and the Financial Industry.

Read Blog
01
Podcast · Video
Wie Technologie das Asset Management verändert
Payment & Banking
02
Interview
FinTech Standort Frankfurt — Interview in der FAZ
Frankfurter Allgemeine Zeitung
03
Conference · Video
Interview at the Global WealthTech Summit London
London
04
Podcast
Ask Me Anything
Payment & Banking
05
Demo · Video
Demo Session with Fincite at Finovate London
Finovate
06
Podcast · Spotify
Interview with the CEO Podcast on Scaling Companies
CEO Podcast
07
Podcast
WealthTech US vs. Europe — Digital Showdown
WealthTech Today
08
Article · Interview
Personal Investing
Finance Forward
09
Feature
Die Gesichter der FinTech Branche
Payment & Banking
10
Podcast · Video
Interview in the Wall Street Lab
Wall Street Lab
Latest on LinkedIn
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