UK fintech Peymo launches AI-powered digital banking platform with integrated fiat, crypto, and tokenized assets

Peymo has launched a digital banking platform integrating fiat, cryptocurrency, tokenised assets, and embedded finance using AI technology. The platform offers a unified interface for managing various financial instruments, AI-driven voice-first interface, and APIs for integrating banking functions into existing operations. The AI technology aids users in navigating their financial portfolios and offers features such as tokenised payments, multi-currency IBANs, and contactless crypto payments. Peymo is seeking to raise €5m in funding and has active letters of intent from potential partners and clients.

Peymo Ltd, a UK-based fintech innovator, has launched the world's first AI-powered multi-hybrid bank, a digital finance platform that seamlessly integrates fiat banking, crypto wallets, tokenized assets, and embedded finance in one unified system [1]. Built on proprietary modular architecture, the platform allows users to manage GBP, EUR, crypto assets, and branded debit cards in one place, while enterprises can plug in full banking functions through simple APIs.

The platform's AI-driven voice-first interface offers continuous listening, instant intent recognition, and multimodal confirmations, enabling secure, hands-free banking. Behind the interface, five specialized AI agents monitor user behavior, track market activity, optimize payments, and provide asset protection in real time. The platform also features a smart referral engine that identifies potential new users and dispatches personalized invitations via WhatsApp or voice, tracking successful referrals.

Peymo's AI technology aids users in navigating their financial portfolios by identifying the smartest route, timing, and format for every transaction across various financial instruments. The platform offers tokenized payments, multi-currency IBANs, and contactless crypto payments, providing a comprehensive and efficient financial management solution.

Peymo is seeking to raise €5 million in funding and has active letters of intent from potential partners and clients in Africa, Australia, and Europe. The company aims to scale its operations and expand its user base through intelligent, autonomous growth, leveraging its AI-driven architecture to identify high-value B2B leads and ideal embedded finance partners.

References:
1. https://www.morningstar.com/news/pr-newswire/20250612ln09223/peymo-debuts-all-in-one-worlds-first-ai-powered-digital-banking-platform
2. https://cointelegraph.com/press-releases/bitpanda-opens-the-gate-to-web3-with-vision-vsn
3. https://thedigitalbanker.com/peymo-debuts-all-in-one-worlds-first-ai-powered-digital-banking-platform/