BANKRUPT

48 hours to disrupt finance.

Build against real financial problems, with mentors who run them, for €1,500 in prizes.

A fintech hackathon by Stripe and Founders Hive.

When
20 to 22 Nov 2026
Where
Cluj-Napoca, Romania
Prize pool
€1,500
Organized by
Stripe and Founders Hive
// 00. START LINE

Doors open in

Friday · 20.11.2026 · 17:30

--Days
--Hours
--Minutes
--Seconds
// 01. WHY THIS EXISTS

Romania builds great engineers
It does not build great fintech. Yet.

  • Most Romanian developers have never touched payment infrastructure.
  • Most have never worked inside a compliance constraint.
  • Most have never sat across from someone who actually runs risk.

They can build.

They have just never been handed a real financial problem to build against.

// 02. WHY JOIN

What you walk away with

Building something in fintech, or want to? This is the weekend where you get the problem, the rails, the people and a shot at the prize.

(01)

€1,500 in prizes

Real money for the teams that build what finance actually needs. Paid out on Sunday, in front of the room.

(02)

Real problems

Challenges come from financial institutions, fintech companies and public authorities. Not hypotheticals, not toy APIs.

(03)

Real infrastructure

Build on real payment rails and sandbox environments, the way production fintech is built.

(04)

Mentors at your table

15 operators from fintech, payments, banking, compliance and product. They sit with you, not on a stage.

(05)

A jury that can say yes

Founders, investors and senior operators. The best outputs get piloted, absorbed into companies, or become startups.

(06)

A network for after

You leave with working code, a validated direction and people you did not know on Friday.

40 seats. Selected, not walk-in.

Apply now

48 hours

Real financial problems. Real mentors.

  1. (01)Teams receive challenges from companies.
  2. (02)They build against real constraints, with access to real financial infrastructure and sandbox environments.
  3. (03)They present to a jury of operators, investors and fintech leaders.

The
Numbers

40 Participants

Selected, not walk-in. We filter for people who can actually ship in 48 hours.

15 Mentors

Working operators from fintech, payments, banking, compliance and product. Not observers. They sit at the tables.

7 Jury members

Founders, investors and senior operators who evaluate on real commercial logic.

One weekend, permanent results

Every team leaves with working code, a validated direction and a network they did not have on Friday.

Program

Friday

20 Nov
  • Welcome
  • Panel: The Future of Finance
  • Challenges presented
  • Hacking starts
  • Work through the night (online)

Saturday

21 Nov
  • Mentor hours
  • Lunch
  • Work time
  • Mentor hours
  • Pitch workshop
  • Work through the night (online)

Sunday

22 Nov
  • Mentor hours for the pitch
  • Finalise the pitch
  • Pitch submission
  • Final pitching session
  • Winners announced
  • Networking

Who is
Alreadyin

The companies shaping Romanian fintech, in one room with you for 48 hours. They bring the challenges, the mentors and the jury.

StripeEvobits Information TechnologyOrangeCluj StartupsTransylvania Angels NetworkUnblurredRoFintechNeofinCloud Native Days Romania
// 03. APPLY

Romania will have a fintech sector.
The only question is who builds it.

The talent is already here. The market is already opening. The regulation is already forcing the change. BANK/RUPT is 48 hours to build it. We would like you in the room.

€1,500

in prizes

  • 20 to 22 November 2026
  • Cluj-Napoca, Romania
  • 40 seats, selected
Apply now

Questions? nas.mihai@clujstartups.com

See you
in Cluj