Peymo Unveils the World's First AI-Powered Multi-Hybrid Bank
Peymo Ltd, a UK-based fintech innovator, has officially launched the world’s first AI-powered multi-hybrid bank, an advanced digital finance platform that integrates fiat banking, crypto wallets, tokenized assets, and embedded finance into one unified system.
The launch introduces a groundbreaking approach to modern banking, enabling both individuals and enterprises to manage various financial assets seamlessly through a single platform.
A Unified System for the Future of Banking
Peymo’s platform is built on proprietary modular architecture, offering a unique and flexible solution that lets users manage GBP, EUR, crypto assets, and branded debit cards in one place. Enterprises can also integrate full banking functions through simple APIs, enabling businesses to incorporate the full scope of banking operations into their services.
Tomas Bartos, Founder of Peymo, said, “We make complex finance invisible. "By fusing AI, fiat, crypto and embedded finance into a single stack, we're delivering the next generation of banking — and it's ready today."
AI-Driven Smarter Banking
Peymo's AI system brings powerful, voice-first banking capabilities to its users. The system employs continuous listening, instant intent recognition, and multimodal confirmations to allow secure, hands-free banking. Behind the scenes, five specialized AI agents work to monitor user behavior, track market activity, optimize payments, and provide asset protection, all in real time.
The AI also features a smart referral engine that identifies potential new users within a network, sends personalized invitations via WhatsApp or voice, and tracks successful referrals.
Also read: Dataiku & NVIDIA Launch FSI Blueprint for AI in Finance
AI-Led Operations and Hybrid Financial Engine
Peymo’s AI also supports seamless operations, offering instant onboarding in under five seconds, continuous transaction monitoring for faster clearance, and real-time deposits. Additionally, the system uses feedback from user interactions to drive continuous improvement in the platform's performance, ensuring it remains fast, compliant, and efficient.
As a true hybrid financial engine, Peymo’s AI enables users to navigate their entire portfolio, whether it's crypto, fiat, gold, or tokenized assets, helping them identify the smartest routes, timings, and formats for every transaction. The AI ensures efficiency, transparency, and full control, all within one unified system.
Scaling the Business with AI
Peymo’s AI-driven banking platform is built for scalable growth, using autonomous AI to identify B2B leads and embedded finance partners. Human-like voice agents enhance user engagement through personalized support and upselling.
Key features include voice-first banking, instant KYC, fraud detection, multi-asset routing, tokenized payments, 35+ currency IBANs, a built-in crypto wallet and exchange, contactless crypto payments, and a white-label program, all powered by a proven core system tested since 2012.
Expansion Plans and Funding
Peymo has opened a €5 million funding round and is actively pursuing Letters of Intent (LOIs) across Africa, Australia, and Europe. With a focus on offering scalable and innovative banking solutions, Peymo is poised to disrupt the financial sector by bridging the gap between traditional banking, cryptocurrencies, and the growing demand for embedded finance solutions.
