About TONi
A team with deep experience in B2B2C finance.
smarter payment technologies GmbH is a German fintech founded in 2024 and headquartered in Wiesbaden. We built TONi, the first white-label and co-branded family finance app. As a team, we bring decades of experience in payments, digital banking, product development, and B2B2C services.
Founded
2024
Headquarters
Wiesbaden, Germany
Company name
smarter payment technologies GmbH
Mission
Help banks build lasting relationships with the next generation — before someone else does.
The team
We know execution.
Our founders combine decades of hands-on experience in payments, digital banking, product development, and B2B2C services.
Ulrike Zädow
CEO & Co-founder
Ulrike brings extensive experience from management consulting and senior leadership roles in the benefits sector. Her focus is on understanding customer needs, developing scalable concepts, and building the commercial relationships that take them to market.
LinkedInThilo Festerling
CPO & Co-founder
Thilo is a specialist in digital payment solutions with deep expertise in product development and go-to-market execution. He has led the design and launch of payment products across multiple markets and brings that operational rigour to TONi.
LinkedInMathias Herrmann
CTO & Co-founder
Mathias is responsible for technology architecture and product experience. He has built digital products from concept to scale and brings a pragmatic, user-first engineering mindset to TONi's platform — designed to integrate cleanly with existing bank infrastructure.
LinkedInJohn Klein
CFO
John brings senior experience in financial leadership and venture building. He combines institutional finance know-how with entrepreneurial execution.
LinkedIn