Peymo, a London-based FinTech firm, has officially launched what it calls the world’s first AI-powered multi-hybrid banking platform.
This digital finance solution integrates fiat currency banking, digital asset wallets, tokenised assets and embedded finance services into a single seamless system, aimed at both consumers and businesses.
Built on Peymo’s proprietary modular architecture, the platform enables users to manage GBP, EUR, digital asset holdings, and branded debit cards from one interface. Enterprises can access a full suite of banking services through simple API integrations, simplifying complex financial operations.
Peymo founder Tomas Bartos 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.”
A key differentiator for Peymo is its AI-driven, voice-first interface. The system leverages continuous listening and instant intent recognition to enable secure, hands-free banking. Users can manage accounts through multimodal confirmations, ensuring safe and efficient interactions.
Behind the scenes, Peymo employs five specialised AI agents to monitor user behaviour, track market trends, optimise payments and ensure asset protection in real time. A built-in smart referral engine further supports growth by identifying potential users within each customer’s network and automating personalised referral outreach via WhatsApp or voice invitations.
On the operational side, Peymo’s AI significantly accelerates key banking processes. Customers can complete onboarding in less than five seconds, while transactions benefit from continuous monitoring, enabling faster clearances and real-time deposits. Usage-based AI feedback also drives constant system improvements, keeping the platform compliant, efficient, and scalable.
The hybrid financial engine assists users in managing their entire portfolios, whether in digital assets, fiat, gold, or tokenised assets. Peymo’s AI analyses the optimal route, timing and format for every transaction, ensuring maximum efficiency and transparency, while maintaining full user control.
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