Peymo Launches AI-Powered Hybrid Bank Integrating Fiat & Crypto

Peymo Ltd, a UK-based fintech innovator, has officially launched the world’s first AI-powered multi-hybrid digital bank. This revolutionary platform unifies fiat banking, crypto wallets, tokenised assets, and embedded finance into one seamless system, aimed at both individual users and enterprise clients. By blending AI and modular banking architecture, Peymo redefines what modern banking can look like.

The Peymo Platform: Unified Finance in One Place

Core Architecture and Capabilities:

• Built on a proprietary modular architecture for flexible scaling.
• Supports GBP, EUR, and 35+ currencies, plus crypto assets.
• Offers branded debit cards and instant onboarding for personal and business users.
• Enables businesses to integrate full-stack banking via plug-and-play APIs.

Vision Statement:

“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.”
— Tomas Bartos, Founder of Peymo

Peymo AI: Smart, Voice-First Banking for Everyone

User-Facing Features:

• Voice-first interface powered by continuous listening and multimodal confirmations.
• Enables secure, hands-free banking experiences.
• Seven on-device AI agents offer personalized support for:
  • Payments
  • Market monitoring
  • Asset protection
  • Investment optimization
  • Security alerts
  • Income-generating referrals
  • Transaction analysis

Referral System:

• Integrated smart engine detects potential new users.
• Sends personalized invitations via WhatsApp or voice.
• Tracks referral success in real-time, incentivizing network growth.

Peymo AI for Admin & Hybrid Operations

Operational Intelligence:

• Instant KYC and onboarding in under 5 seconds.
• Continuous transaction monitoring ensures fraud prevention and compliance.
• Adaptive AI enhances system performance through usage-based feedback loops.

Hybrid Asset Management:

• AI assists with smart routing across:
  • Fiat currencies
  • Cryptocurrencies
  • Gold and tokenised assets
• Enables real-time decisions on value conversion, timing, and payment routes.
• Maximizes transparency, efficiency, and user control.

Peymo AI: Scalable Growth Through Automation

Autonomous Growth Engine:

• AI scouts for high-value B2B leads and embedded finance partners.
• Identifies platforms with large user bases ready for:
  • Wallets
  • KYC modules
  • Branded cards
  • Payment solutions

AI-Powered User Engagement:

• Human-sounding voice bots engage users at scale.
• Deliver contextual, personalized suggestions to:
  • Guide onboarding
  • Encourage upgrades
  • Reactivate dormant users
• Capable of millions of conversations per hour at near-zero cost.

Highlights: What Makes Peymo Unique

AI-Powered User Experience:

• Voice-first interface with on-device agents for real-time financial decisions
• Income-generation through personalized referral models

AI-Driven Operations:

• Instant KYC, fraud detection, and self-learning infrastructure
• Seamless navigation of fiat, crypto, and tokenised assets

Autonomous Growth Engine:

• Scalable outreach via embedded finance matchmaking
• Voice-led upselling and activation across global audiences

Global Finance Features:

• Tokenised payments via the Peymo Token
• Multi-currency IBANs for international transactions
• Built-in crypto wallet and exchange
• Contactless crypto payments in physical retail environments

Enterprise-Ready Infrastructure:

• White-label solutions for launching branded banks in weeks
• Proven core banking infrastructure live-tested since 2012

Current Status:

• Open for a €5 million funding round
• Active Letters of Intent (LOIs) across Africa, Australia, and Europe

Peymo is redefining digital finance by launching the world’s first AI-powered hybrid banking platform that merges crypto, fiat, tokenised assets, and embedded finance into one cohesive experience. With a cutting-edge voice-first AI interface, modular APIs for businesses, and an autonomous growth engine, Peymo is not just launching a product — it’s shaping the future of global financial ecosystems.

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