Peymo Ltd, the UK-based fintech behind the world’s first AI-powered multi-hybrid bank, has officially opened its €5 million funding round, offering early-stage investors a rare opportunity to join a platform that is fully operational, revenue-ready, and positioned for exponential growth.
Shares are currently available at just £0.25, with investor materials available upon request.

“If you’d put £10,000 into Revolut in its earliest days, you’d be sitting on over £10 million today,” said Tomas Bartos, CEO of Peymo Ltd.
“Peymo is built for the next wave — and it’s ready now. We’re not a concept—we’re already live.”

*Why This Round Matters*
Most fintech companies at this stage are prototypes. Peymo is not. The system has been in development since 2012, with a proven backend powering EMI-level compliance, embedded finance functionality, and live partner integrations. With over 550,000 lines of production code, Peymo has already been valued via COCOMO II at over €43 million.
Peymo is now scaling globally — with signed LOIs across Africa and Australia that could unlock access to over 100 million users.
This €5M round will be used to accelerate:
• White-label deployment partnerships
• Regulatory expansion
• Crypto-fiat infrastructure integrations
• AI-led customer acquisition and automation tools

*The First AI-Shaped Bank in the World*
While many fintechs use AI for isolated tasks, Peymo is shaped by AI at every level—from onboarding, compliance, and risk scoring to customer support and growth marketing. The result is a system that is faster, safer, and far more scalable than traditional banking infrastructure.
“We make complex finance invisible,” said Bartos. “Peymo combines AI, fiat, crypto, and embedded finance into one seamless platform that businesses can launch in days.”

*A Platform Built for Both B2C and B2B*
• Multi-currency IBANs in over 35 currencies
• Crypto wallet + exchange inside the app
• Tap-to-pay smartphone POS using crypto or fiat
• Branded card programs for users and businesses
• White-label infrastructure for fintechs and enterprises
Unlike flashy consumer apps, Peymo was built to empower other platforms — to act as a fintech engine behind neobanks, marketplaces, and vertical SaaS businesses.

*More Scalable Than the First Wave of Fintech Unicorns*
While Tide targets a £1 billion valuation serving SMEs, Peymo’s embedded model serves entire industries, offering banking-as-a-service with AI-led compliance, crypto functionality, and instant payout tools.
And unlike Revolut, Wise, or Monese in their early days, Peymo has already processed live transactions for years — without burning investor capital on testing or pivoting.

*Why Investors Are Taking Notice Now*
• Real valuation logic: DCF, P/E, and client-based models justify 100x+ potential
• Signed LOIs: With SAAVI (Australia) and FORUS (Africa), active use cases are already in motion
• Built and battle-tested: A decade of development and production-level experience
• First-mover advantage: The only live, AI-native core banking engine of its kind
“Revolut and Wise were first-generation challengers,” says Bartos.
“Peymo is the next generation — and it’s already in the hands of our partners.”

Investor & Media Contact:
Tomas Bartos
CEO, Peymo Ltd
[email protected]
www.peymo.com

*About Peymo Ltd*
Peymo Ltd is a UK-based fintech company offering a fully modular, AI-powered core banking platform that combines fiat, crypto, and embedded finance into a single, unified system. With its proven infrastructure, Peymo enables other fintechs, platforms, and enterprises to embed advanced financial services in record time — without legacy complexity.