Peymo Ltd, a UK-based fintech innovator, has officially launched the world’s first AI-powered multi-hybrid bank, a digital finance platform that seamlessly integrates fiat banking, crypto wallets, tokenised assets, and embedded finance in one unified system.
Built on proprietary modular architecture, the platform lets users manage GBP, EUR, crypto assets, and branded debit cards in one place, while enterprises can plug in full banking functions through simple APIs.
“We make complex finance invisible,” says Tomas Bartos, Founder of Peymo.”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.”
Peymo AI – Smarter Banking for Every User
Peymo delivers powerful AI through a voice-first interface.
The system features continuous listening, instant intent recognition, and multimodal confirmations to enable secure, hands-free banking.
Behind the interface, five specialized AI agents monitor user behavior, track market activity, optimize payments, and provide asset protection — all in real time.
A built-in smart referral engine identifies potential new users within a network, dispatches personalized invitations via WhatsApp or voice, and tracks successful referrals.
Peymo AI – Admin & Hybrid Operations
For operations, Peymo’s AI delivers instant onboarding in under five seconds, provides continuous transaction monitoring for faster clearances and real-time deposits, and drives self-improving system code through usage-based AI feedback — keeping the platform fast, compliant, and lean.
As a true hybrid financial engine, Peymo’s AI also assists users in navigating their entire portfolio — from crypto to fiat, gold to tokenized assets — identifying the smartest route, timing, and format for every transaction. Whether moving funds, converting value, or making payments, Peymo’s AI tailors the optimal path across instruments, ensuring efficiency, transparency, and full control under one unified system.
Peymo AI – Scaling the Business with Intelligence
Peymo’s AI architecture is designed for autonomous, scalable growth.
Our AI autonomously identifies high-value B2B leads and ideal embedded finance partners — platforms with thousands or even millions of users who can seamlessly adopt Peymo’s wallets, KYC tools, cards, or payment systems.
Meanwhile, their human-sounding voice agents engage every user in the system — offering guidance, upsell suggestions, and personalized help to unlock features they’ve missed. From premium upgrades to activation nudges, every call is tailored, contextual, and scalable to millions per hour.
Result: scalable operations, intelligent expansion, and enhanced user value—automated at scale, without direct customer acquisition costs.
Key Highlights — What Makes Peymo Unique
- AI-Powered User Experience — voice-first banking; seven on-device agents for smart payments, security, investing, and income-generating referrals
- AI-Driven Operations — sub-5-second KYC; continuous fraud detection and code self-improvement; hybrid-asset routing across crypto, fiat, and tokenised gold
- AI-Led Growth Engine — autonomous lead-scouting; embedded-finance matchmaking; human-sounding voice bots scaling outreach at near-zero CAC
- Tokenised Payments & Instant Remittance — Peymo Token enables borderless transfers
- Multi-Currency IBANs — 35+ currencies for global transfers and savings
- Built-In Crypto Wallet & Exchange — immediate conversion and spending
- Contactless Crypto Payments — crypto-enabled transactions at physical stores
- White-Label Program — branded banking services launchable within weeks
- Proven Core Infrastructure — core banking system live-tested and in operation since 2012
- Funding Round & Expansion — EUR 5 million round open; active LOIs across Africa, Australia, and Europe
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