Arca Digital is a Seville-based fintech building digital, API-first infrastructure that automates the full lifecycle of Spanish employment pension plans and collective savings, connecting fund managers, employers and employees so SMEs can offer corporate pension plans from under €30/month per employee. It handles enrollment, contributions, changes, withdrawals and fee-free transfers that preserve tax seniority, and is registered with Spain's Dirección General de Seguros y Fondos de Pensiones (no. J4556). Founded in 2024, it raised a €1M seed round in April 2026 co-led by Draper B1 and Robin Capital, partners with managers such as Indexa Capital, Magallanes and Horos, and keeps a secondary office in Madrid.
SectorsFintech, Pensions & Retirement, Insurtech, HR & Benefits, SaaS
Start-up MapFintech › Wealth & investing
Founders
A
Adrián Esteban Pagés
Co-founder & COO
G
Gonzalo Concepción Megía
Co-founder & CTO
S
Sergio Rodrigues Valcarce
Co-founder & CEO
Global models 5
HHuman Interest
United States · humaninterest.com ↗
Automated, low-cost workplace retirement plans for small and mid-sized employers, covering enrollment, contributions and admin through payroll integrations.
~$500MComparable
SSmart Pension
United Kingdom · www.smart.co ↗
Digital workplace pension and retirement-savings infrastructure connecting employers, employees and providers, also licensed to other pension providers.
~$400MComparable
VVestwell
United States · www.vestwell.com ↗
API-first recordkeeping and admin infrastructure for workplace savings plans, sold to employers, advisors and fund providers to run the whole plan lifecycle.
~$300MComparable
GGuideline
United States · www.guideline.com ↗
Automated, low-fee 401(k) plans for SMBs for a small monthly per-employee fee, with contributions and admin synced to payroll.
~$290MComparable
PPenfold
United Kingdom · getpenfold.com ↗
Digital pension provider that lets SMEs set up and run workplace pensions online, with app-based enrollment and contributions for employees.
~$40MComparable
In the same niche 30 others
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Notes: Most funded first
Investors 6
Open as list →
DDraper B1
draperb1.vc
RRobin Capital
F
Fernando Cabello-Astolfi
I
Iván Peña
J
Juan Montero
N
Newschool.vc
Funding rounds 1
News 3
Open as list →| Published | Article |
|---|---|
| 2026-04-09 |
Arca Digital, a startup that makes pension plans accessible to companies, closes a €1 million funding round led by Draper B1 y Robin Capital ↗
Capital-Riesgo.es
2026-04-09 |
| 2026-04-09 |
This Seville startup snaps €1M from DraperB1 and Robin Capital to fix Spain's broken pension system ↗
Tech Funding News
2026-04-09 |
| 2025-09-30 |
Arca Digital presenta la forma más sencilla de implantar Planes de Pensiones de Empleo en las empresas ↗
Insurtech Community Hub
2025-09-30 |